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First Financial Holding Co. Ltd. Interim / Quarterly Report 2018

May 10, 2018

52222_rns_2018-05-10_b0462776-6b19-42c2-9650-21dfd367795b.pdf

Interim / Quarterly Report

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第一金控 2018 年第一季營運報告

May 30, 2018

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免責聲明

本份簡報由第一金控提供，內容並未經會計師或任何獨立公正第三者查閱，使用者在閱
讀簡報資料同時，應參考第一金控向主管機關所申報公開且完整的各項財務業務訊息，
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使用者亦應注意，本份簡報可能包含前瞻性陳述。任何非歷史性資料，包括公司經營策
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人引用本分簡報資料、亦或其它因簡報資料導致的任何損害負擔任何責任。

2 

內容

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- 2018 年第一季業務摘錄

  • 財務資料

  • 營運成果

  • 附件

3

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2018年第一季業務摘錄

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1Q2018 Snapshot

  • 銀行 2018 年第一季之淨營收年成長 10.2% ：

  • 手續費收入年成長13.5%及金融交易利得年31.5% 支撐銀行第一季營收，惟為 了維持覆蓋率水準所產生較高之毛提存則讓獲利成長較不顯著。

  • 放款年成長達 3.7% ，主要動能來自於外幣放款及房貸放款：

  • 外幣放款年成長達10.3% ，特別係海外放款有顯著之成長；另房屋貸款年成長 亦達4.4% 。此二項放款為刺激放款成長之主要類別。

  • 銀行剩餘資金用於換匯交易 (SWAP) ，若操作於同業拆放約等同於 NIM 提升 6bps ：

美元市場利率較高致銀行剩餘資金由同業拆放流向換匯交易，進而侵蝕 。 NIM之表現，第一季NIM下降至1.22%

  • 第一金每股擬配發新臺幣 0.9 元現金及 0.1 元股票：

  • 第一金2017年每股盈餘1.27元，擬提案配發新臺幣0.9元現金及0.1元股票， 並待股東會表決通過。

5

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2018年第一季財務資料

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2018 年第一季主要財務數字


稅後淨利
綜合損益2
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率3
平均資產報酬率3
集團資本適足率4
雙重槓桿比率5
1Q18
4,5921
3,230
2,655,474
0.38
16.52
122,164
9.16%
0.68%
124.61%
107.84%
YoY %
6.6%
10.7%
3.5%
5.6%
1.6%
2.0%
2.7%
0.0%
-4.7%
1.5%
1Q17
4,3091
2,918
2,566,877
0.36
16.26
119,769
8.92%
0.68%
130.82%
106.26%
經營績效( in NT$ dollar, NT$ mn, mn shares or %)
1Q18獲利組合1( in NT$ mn)
稅後淨利
綜合損益2
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率3
平均資產報酬率3
集團資本適足率4
雙重槓桿比率5
1Q18
4,5921
3,230
2,655,474
0.38
16.52
122,164
9.16%
0.68%
124.61%
107.84%
YoY %
6.6%
10.7%
3.5%
5.6%
1.6%
2.0%
2.7%
0.0%
-4.7%
1.5%
1Q17
4,3091
2,918
2,566,877
0.36
16.26
119,769
8.92%
0.68%
130.82%
106.26%
經營績效( in NT$ dollar, NT$ mn, mn shares or %)
銀行
NT$4,562; 99.3%
證券
NT$83;1.8%
投信
NT$23; 0.5 %
其他
NT$(55); -1.2%
人壽
NT$(67); -1.4%
AMC
NT$46; 1.0%

1.[依各公司管理事業群之分類方式決定應單獨列示之業務別財務資訊，填列合併沖銷後之金額]

  1. 2013[年起依] IFRS[會計準則編製綜合損益表] 3.[年化後數字]

4.1Q18[資本適足率為自結數]

5.[雙重槓桿比率] =[股權投資] /[股東權益]

7

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2018年第一季營運成果

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2018 年第一季合併淨利與綜合損益 (in NT$ mn)
信用成本 (1,289)
保險準備 (3,259)
15,098 (4,548)
↑ 6.6% ↑ 10.7%
(5,391)
(567)
4,592 3,230
(1,362)
淨收益 呆帳費用 營業費用 所得稅 淨利 其他綜合損益 綜合損益
2017 年第一季合併淨利與綜合損益 (in NT$ mn)
信用成本 (452)
保險準備 (1,339)
12,082
(1,791)
(5,225)
(757)
4,309 2,918
(1,391)
淨收益 呆帳費用 營業費用 所得稅 淨利 其他綜合損益 綜合損益
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2018年第一季主要子公司*獲利表現 - 稅後淨利

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2018 年第一季稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 6.6%
↑ 5.6%
4,562 4,592
83 23 46
(67)
第一銀行 第一金證券 第一金投信 第一金人壽 第一金融資管理 金控合併
2017 年第一季稅後淨利 -- 主要子公司 (in NT$ mn)
4,320 4,309
第一金控 (33)
99 15 英傑華 (31) 47
(64)
第一銀行 第一金證券 第一金投信 第一金人壽 第一金融資管理 金控合併
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  • 僅列示主要 5 家子公司獲利 .

9

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2018年第一季營運成果

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金控與一銀獲利能力 - 稅後淨利

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金控淨利 & 年化股東權益報酬率 (in NT$ mn & %)
累積淨利 年化股東權益報酬率
9.32% 9.28% 9.36% 9.47% 9.10% 8.92% 10.14% 10.29% 8.04% 9.16%
17,284
15,962 14,832 15,432
13,407
8,746 9,608
4,406 4,309 4,592
2015 3M 16 6M 16 9M 16 2016 3M 17 6M 17 9M 17 2017 3M18
一銀淨利 & 年化股東權益報酬率 (in NT$ mn & %)
累積淨利 年化股東權益報酬率
9.56% 10.36% 9.86% 9.83% 9.46% 9.00% 10.00% 10.15% 7.91% 9.16%
17,699
16,100
14,565 15,142
13,685
9,072 9,442
4,808 4,320 4,562
2015 3M 16 6M 16 9M 16 2016 3M 17 6M 17 9M 17 2017 3M18
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  1. 含少數股權

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一銀 2018年第一季稅前獲利

1Q17
1Q18
1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18
累積淨收益
1Q18累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
1Q17
1Q18
Change
淨利收
70.0%
63.8%
-6.2%
淨手續費收益
15.5%
16.0%
+0.5%
投資收益/短投
0.7%
-0.4%
-1.1%
投資收益/長投
0.8%
1.0%
+0.2%
投資收益/其他金融商品
12.7%
16.2%
+3.5%
其他
0.3%
3.4%
+3.1%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-4.5%
-11.7%
+7.2%
營業費用
-45.3%
-42.1%
-3.2%
稅前獲利
50.2%
46.2%
-4.0%
淨利收
淨手收
投資收益
營業費用
2018年第一季一銀淨收益&費用比較( NT$mn )
↑ 0.4%
↑ 13.5%
↑ 31.5%
+10.2%
7,019
1,559
1,415
4,546
7,044
1,769
1,861
1,973
4,650
874
424
681
呆帳費用(毛額)1
呆帳收回
10,026
11,049
1Q17
1Q18		 1Q17
1Q18
1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18
累積淨收益
1Q18累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
1Q17
1Q18
Change
淨利收
70.0%
63.8%
-6.2%
淨手續費收益
15.5%
16.0%
+0.5%
投資收益/短投
0.7%
-0.4%
-1.1%
投資收益/長投
0.8%
1.0%
+0.2%
投資收益/其他金融商品
12.7%
16.2%
+3.5%
其他
0.3%
3.4%
+3.1%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-4.5%
-11.7%
+7.2%
營業費用
-45.3%
-42.1%
-3.2%
稅前獲利
50.2%
46.2%
-4.0%
淨利收
淨手收
投資收益
營業費用
2018年第一季一銀淨收益&費用比較( NT$mn )
↑ 0.4%
↑ 13.5%
↑ 31.5%
+10.2%
7,019
1,559
1,415
4,546
7,044
1,769
1,861
1,973
4,650
874
424
681
呆帳費用(毛額)1
呆帳收回
10,026
11,049
1Q17
1Q18		 1Q17
1Q18
1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18
累積淨收益
1Q18累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
1Q17
1Q18
Change
淨利收
70.0%
63.8%
-6.2%
淨手續費收益
15.5%
16.0%
+0.5%
投資收益/短投
0.7%
-0.4%
-1.1%
投資收益/長投
0.8%
1.0%
+0.2%
投資收益/其他金融商品
12.7%
16.2%
+3.5%
其他
0.3%
3.4%
+3.1%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-4.5%
-11.7%
+7.2%
營業費用
-45.3%
-42.1%
-3.2%
稅前獲利
50.2%
46.2%
-4.0%
淨利收
淨手收
投資收益
營業費用
2018年第一季一銀淨收益&費用比較( NT$mn )
↑ 0.4%
↑ 13.5%
↑ 31.5%
+10.2%
7,019
1,559
1,415
4,546
7,044
1,769
1,861
1,973
4,650
874
424
681
呆帳費用(毛額)1
呆帳收回
10,026
11,049
1Q17
1Q18		 1Q17
1Q18
1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18
累積淨收益
1Q18累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
1Q17
1Q18
Change
淨利收
70.0%
63.8%
-6.2%
淨手續費收益
15.5%
16.0%
+0.5%
投資收益/短投
0.7%
-0.4%
-1.1%
投資收益/長投
0.8%
1.0%
+0.2%
投資收益/其他金融商品
12.7%
16.2%
+3.5%
其他
0.3%
3.4%
+3.1%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-4.5%
-11.7%
+7.2%
營業費用
-45.3%
-42.1%
-3.2%
稅前獲利
50.2%
46.2%
-4.0%
淨利收
淨手收
投資收益
營業費用
2018年第一季一銀淨收益&費用比較( NT$mn )
↑ 0.4%
↑ 13.5%
↑ 31.5%
+10.2%
7,019
1,559
1,415
4,546
7,044
1,769
1,861
1,973
4,650
874
424
681
呆帳費用(毛額)1
呆帳收回
10,026
11,049
1Q17
1Q18		 1Q17
1Q18
1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18
累積淨收益
1Q18累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
1Q17
1Q18
Change
淨利收
70.0%
63.8%
-6.2%
淨手續費收益
15.5%
16.0%
+0.5%
投資收益/短投
0.7%
-0.4%
-1.1%
投資收益/長投
0.8%
1.0%
+0.2%
投資收益/其他金融商品
12.7%
16.2%
+3.5%
其他
0.3%
3.4%
+3.1%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-4.5%
-11.7%
+7.2%
營業費用
-45.3%
-42.1%
-3.2%
稅前獲利
50.2%
46.2%
-4.0%
淨利收
淨手收
投資收益
營業費用
2018年第一季一銀淨收益&費用比較( NT$mn )
↑ 0.4%
↑ 13.5%
↑ 31.5%
+10.2%
7,019
1,559
1,415
4,546
7,044
1,769
1,861
1,973
4,650
874
424
681
呆帳費用(毛額)1
呆帳收回
10,026
11,049
1Q17
1Q18		 1Q17
1Q18
1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18
累積淨收益
1Q18累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
1Q17
1Q18
Change
淨利收
70.0%
63.8%
-6.2%
淨手續費收益
15.5%
16.0%
+0.5%
投資收益/短投
0.7%
-0.4%
-1.1%
投資收益/長投
0.8%
1.0%
+0.2%
投資收益/其他金融商品
12.7%
16.2%
+3.5%
其他
0.3%
3.4%
+3.1%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-4.5%
-11.7%
+7.2%
營業費用
-45.3%
-42.1%
-3.2%
稅前獲利
50.2%
46.2%
-4.0%
淨利收
淨手收
投資收益
營業費用
2018年第一季一銀淨收益&費用比較( NT$mn )
↑ 0.4%
↑ 13.5%
↑ 31.5%
+10.2%
7,019
1,559
1,415
4,546
7,044
1,769
1,861
1,973
4,650
874
424
681
呆帳費用(毛額)1
呆帳收回
10,026
11,049
1Q17
1Q18
累積淨收益
+10.2%
10,026
11,049
1Q17
1Q18
項目
1Q17		 1Q18 Change
淨利收
70.0%		 63.8% -6.2%
淨手續費收益
15.5%		 16.0% +0.5%
投資收益/短投
0.7%		 -0.4% -1.1%
投資收益/長投
0.8%		 1.0% +0.2%
投資收益/其他金融商品
12.7%		 16.2% +3.5%
其他
0.3%		 3.4% +3.1%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-4.5%		 -11.7% +7.2%
營業費用
-45.3%		 -42.1% -3.2%
2018年第一季一銀淨收益&費用比較( NT$mn ) 稅前獲利
50.2%		 46.2% -4.0%
  1. 毛提存費用

12

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一銀 2018年第一季 總放款結構

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----- Start of picture text -----

|||||||
|---|---|---|---|---|---|
|各類放款結構|[1]|
|1Q18|總放款|[1]|(in NT$ bn or %)|
|項目|1Q17|1Q18|Change|
|消金放款|27.9%|28.2%|+0.3%|
|房貸|26.1%|26.3%|+0.2%|
|1,605.6|
|其他消費貸款|1.8%|1.9%|+0.1%|
|法金放款|72.1%|71.8%|-0.3%|
|企業放款|49.9%|48.0%|-1.9%|
|1,548.3|
|+3.7%|
|---|中小企業|41.6%|40.7%|-0.9%|
|政府公營放款|0.9%|1.1%|+0.2%|
|外幣放款|21.3%|22.7%|+1.4%|
|1Q17|1Q18|
|---|海外分行|12.6%|13.8%|+1.2%|
|總放款|[1]|
|總放款|[1]|100.0%|100.0%|
|1Q18|總放款|[1]|結構|(in NT$ bn )|
|↓0.2%|
|772.8|771.0|
|中小企|↑1.5%|
|↑|4.4%|
|421.5|外幣↑|10.3%|
|364.1|
|中小企|[2]|330.1|
|中小企|[2]|
|653.2|
|643.5|
|403.6|
|海外|海外|
|海外|
|221.3|
|27.4|31.1|14.4|18.0|194.4|↑ 13.8%|
|1Q17 1Q18|1Q17 1Q18|1Q17 1Q18|1Q17 1Q18|1Q17 1Q18|
|房屋貸款|其他消費性貸款|政府公營放款|企業放款|外幣放款|

----- End of picture text -----

  1. 總放款不含催收款

13

  1. 中小企業放款依經濟部定義；含外幣放款

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一銀總放款結構 -季度比較

一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) QoQ%
+1.6%
+0.6%
-0.7%
-6.3%
--
+3.2%
↑1.5%		 QoQ%
+1.6%
+0.6%
-0.7%
-6.3%
--
+3.2%
↑1.5%
330.1
336.8
350.2
352.8
364.1
~~14.4~~
~~3.4~~
0.4
0.0
18.0
129.3
132.7
124.0
125.7
117.8
643.5
647.8
655.4
657.8
653.2
28.7
29.0
30.9
31.1
403.6
403.6
405.0
414.7
421.5
27.4
1Q17
2Q17
3Q17
4Q17
1Q18
中小企
房屋貸款
企業放款
1548.3
1553.0
1564.1
1582.0
1605.6
外幣放款
總放款
其他消費性貸款
大企
政府公營放款		 QoQ%
+1.6%
+0.6%
-0.7%
-6.3%
--
+3.2%
↑1.5%
+1.6%
+0.6%
-0.7%
-6.3%
--
+3.2%
1Q17
2Q17
3Q17
4Q17
1Q18

14

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一銀存放比、利差與淨利息收益率

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----- Start of picture text -----

總放款 & 存放比 (in NT$ bn or % ) 總放款 [1] 存放比 [2]
78.56% 79.15% 79.04% 80.48% 79.92% 78.89% 79.28% 80.00%
77.30% 台幣 85.3%
外幣 65.1%
1,482.6 1,497.3 1,517.3 1,550.8 1,552.3 1,557.1 1,568.0 1,589.8 1,612.1
1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [3] NIM [3]
1.64% 1.64% 1.64% 1.65% 1.63% 1.63% 1.64% 1.65% 1.63%
1.27% 1.26% 1.26% 1.26% 1.26% 1.26% 1.26% 1.26%
1.22%
1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18
----- End of picture text -----

  1. 總放款 = 放款 + 進 / 出口買匯 + 催收款項

  2. 利差及淨利息收益率均為累積年度平均數

  3. 存放比 = 總放款 / 總存款 ( 含郵政轉存款 )

15

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一銀台外幣利差

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----- Start of picture text -----

一銀台幣利差及成本分析 ( in % )
利差 ( 台幣 )
存款利率 ( 台幣 ) 放款利率 ( 台幣 )
1.48% 1.48% 1.49% 1.49%
1.47%
1.91% 1.90% 1.91% 1.91% 1.88%
0.43% 0.42% 0.42% 0.42% 0.41%
1Q17 2Q17 3Q17 4Q17 1Q18
一銀外幣利差及成本分析 ( in % ) 存款利率 ( 外幣 ) 放款利率 ( 外幣 )
利差 ( 外幣 ) 2.50%
2.35%
2.33%
2.28%
2.25%
3.51% 3.41%
3.25%
3.12%
3.09%
0.84% 0.84% 0.92% 1.01% 1.06%
1Q17 2Q17 3Q17 4Q17 1Q17
----- End of picture text -----

  • 以上利率均為 季度加權平均數字

16

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一銀2018年第一季存款結構

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----- Start of picture text -----

一銀存款結構 (in NT$ bn ) 一銀新台幣活存比結構 (in %)
新台幣存款 外幣存款
新台幣活存比
1Q18 總存款
559.0
505.5
$2,014.5 bn
△
68.30% 68.40%
67.12%
66.21%
65.31%
+4.5%
1,422.5 1,455.5
1Q17 1Q18 1H16 2016 1H17 2017 1Q18
----- End of picture text -----

17

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一銀特定產業貸放集中度

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----- Start of picture text -----

-
2018 年第一季 特定貸放產業佔比
4.28%
11.98%
4.44%
4.68%
10.44%
4.62%
製造業 ; 25.58%
1Q18 4.01%
塑化
10.31% 總授信餘額
科技
5.54% 機械
$1,714.6 bn
金屬
其他製造
6.73% 私人放款 ( 含房貸 )
不動產
批發零售
運輸
32.97% 銀行保險
其他
----- End of picture text -----*

  • 總放款不含催收款 .

18

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一銀房貸分析

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----- Start of picture text -----

--
2018 年第一季房貸 依地區別 (in %) 房貸利率 & 房貸成數比 (in %)
地區 放款比重 逾放比 新承作房貸成數比 平均房貸成數
平均房貸利率
大台北都會 50% 0.47%
桃竹苗 18% 0.39%
大台中地區 11% 0.39%
1.86% 1.86% 1.85% 1.85% 1.85% 1.83% 1.82%
大台南地區 9% 0.27%
大高雄地區 8% 0.11%
花東 4% 0.05%
64.55% 64.53% 64.59% 64.65% 64.64% 64.75% 64.82%
總計 100.00% 0.39% 45.52% 45.36% 45.15% 45.01% 44.94% 45.16% 45.25%
3Q16 2016 1Q17 2Q17 3Q17 2017 1Q18
↑4.3%
近一年各月份新承作房貸金額 (in NT$mn)
單月份新承作房貸金額
10,322
8,879 9,205 9,357
4,901 5,534 6,580 5,278 6,536 7,235 6,965 SME [2] SME [2] 5,977↑17.2%
317.0 305.0
4M17 5M17 6M17 7M17 8M17 9M17 10M17 11M17 12M17 1M18 2M18 3M18
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19

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一銀2018年第一季淨手續費結構
1Q18累積淨手續費收益(in NT$ mn or %) 累積淨手續費收益佔比
1,769 項目 1Q17 1Q18 Change
財富管理1 52.2% 59.0% +6.8%
1,559 +13.5% 放款相關
外匯		 18.3%
13.5%		 14.2%
11.8%		 -4.1%
-1.7%
信用卡 5.5% 5.3% -0.2%
1Q17 1Q18 其他2 10.5% 9.7% -0.8%
淨手續費收益 累積淨手續費收益 100.0% 100.0%
1Q18累積淨手續費收益佔比( in NT$ mn )
↑ 28.1%
1,043 ↓11.6%
814 ↓0.9%
↓23.7%
285 252 211 ↑3.0%
209		 85 93 164 172
1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18 1Q17 1Q18
財富管理1 放款相關 外匯 信用卡 其他2

  1. 財富管理手收 = 保管費手收 + 信託手收 + 銀行保險手收

  2. 其他為含海外分行在內之通路手續費

20

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一銀淨手續費收益 -季度比較

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----- Start of picture text -----

淨手續費收益 (in NT$ mn)
2,239 2,168
每季淨手續 1,869 1,861
1,769
費收益 1,559

其他 193
197
信用卡手收 126
100
外匯手收 223 178 215 156
172
107 118
放款手收 265 93
164 214 355 223
93 209
保管手收 85
95
211 302 284
252
94 94 94
285
財富管理 * 987 681
銀行保險手收 94 474 429
528
342
525
446 512 520
378
基金手收 352
4Q16 1Q17 2Q17 3Q17 4Q17 1Q18
----- End of picture text -----*

  • 財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管

  • 其他為含海外分行在內之通路手續費

21

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一銀2018年第一季營業費用比率

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----- Start of picture text -----

|||||||
|---|---|---|---|---|---|
|1Q18|一銀累積營業費用|(in NT$ mn )|營業費用比率分析|( in NT$ mn)|
|項目|1Q17|1Q18|
|4,650|淨收益|10,026|11,049|
|營業費用|(4,546)|(4,650)|
|4,546|2.3%|
|呆帳費用|(|淨|)|(451)|(1,292)|
|所得稅|(709)|(544)|
|1Q17|1Q18|
|淨利|4,320|4,563|
|營業費用|
|季度營業費用|&|營業費用佔比|( in NT$ mn or % )|
|淨收益|營業費用|累積營業費用佔比|
|45.65%|45.34%|44.73%|
|43.55%|43.03%|
|42.09%|
|10,245|10,026|10,861|11,447|10,580|11,049|
|4,990|4,546|4,796|4,739|4,385|4,650|
|4Q16|1Q17|2Q17|3Q17|4Q17|1Q18|

----- End of picture text -----

22

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一銀2018年第一季資產品質

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----- Start of picture text -----

逾期放款 , 提存 , 覆蓋率 (in NT$ mn or % )
覆蓋率 放款覆蓋率 (LLR), 排除政府放款
625.14%
588.67%
537.82% 500.09%
498.44%
358.56%
297.73%
1.38%
1.21% 1.22% 1.18% 1.20% 1.20% 1.19%
逾放比 逾放金額 呆帳提存準備
0.40%
0.38%
0.24% 0.24%
0.20% 0.20% 0.22%
18,276 18,973 18,205 18,561 18,762 21,922 19,030
6,114 6,392
3,105 3,035 3,385 3,724 3,752
9M16 2016 3M17 6M17 9M17 2017 3M18
----- End of picture text -----*

  • 配合 IFRS9 實施， 2018 年開帳時將「備抵呆帳 - 貼現及放款」 2,141 百萬元移至「融資承諾準備」及「其他項目備抵呆帳」

23

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一銀逾期放款分類表

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----- Start of picture text -----

1
個人 與房貸逾放比率 (in %) 大企業與中小企業逾放比 (in %)
Individual
Large Corp.
Mortagge
SME
0.39%
0.75%
0.33% 0.32% 0.60%
0.29% 0.36%
0.26% 0.35% 0.38% 0.35%
0.31% 0.56%
0.29% 0.48%
0.26%
0.23% 0.00% 0.00% 0.00%
1Q17 2Q17 3Q17 4Q17 1Q18 1Q17 2Q17 3Q17 4Q17 1Q18
國內放款逾放比率 (in %) 海外放款逾放比率 (in %)
Domestic
Overseas
0.46% 0.47%
0.27% 0.28%
0.24%
0.11% 0.10%
0.07%
0.05% 0.05%
1Q17 2Q17 3Q17 4Q17 1Q18 1Q17 2Q17 3Q17 4Q17 1Q18
----- End of picture text -----

  1. 個人 : 包含房貸及個人非房貸 2. 均未包含呆帳回收

24

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一銀新增逾放與呆帳收回
季度新增逾放(in NT$ mn）
季度新增逾放
2Q17
3Q17
4Q17
1Q18
---國內
1,385
880
3,159
2,660
---海外
(6)
28
79
162
小計
1,379
908
3,238
2,822		 季度呆帳收回(in NT$ mn)
季度呆帳收回
2Q17
3Q17
4Q17
1Q18
---國內
1,169
496
499
636
---海外
128
1
25
33
---信用卡
13
14
13
12
小計
1,310
511
537
681
季度新增逾放
2Q17
3Q17
4Q17
1Q18
---國內
1,385
880
3,159
2,660
---海外
(6)
28
79
162		 季度呆帳收回
2Q17
3Q17
4Q17
1Q18
---國內
1,169
496
499
636
---海外
128
1
25
33
---信用卡
13
14
13
12
小計
1,379
908
3,238
2,822		 小計
1,310
511
537
681
1,519
1,938
988
1,350
1,040
880
876
2544
1,637
1,983
1,379
908
3,238
2,822
1,447
918
1,628
1,700
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
季度新增逾放與轉銷數( in NT$ mn)
轉銷數
新增逾放

25

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一銀 2018年第一季海外業務盈餘

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----- Start of picture text -----

2018 年第一季海外分行稅前獲利分析 ( in NT$ mn or %) 2018 年第一季全行稅前獲利分析 ( in NT$ mn or %)
一銀 2018 年第一季稅前獲利
12.18%
41.71% $5,106 mn
OBU
國內市場 ;
15.98% 香港 68.43%
2017
北美
海外獲利
東協
$1,612 mn
其他
15.55%
14.58% 其他海外地區 ; 大中華 ( 含 OBU) ;
13.75% 17.82%
季度海外地區稅前獲利佔比分析 (in NT$ mn or%)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
36.16% 35.88% 36.77% 48.36%
28.94% 29.93% 31.57%
4,829 5,030 5,984 5,106
4,602
5,370
630
1,760 1,535 1,818 2,134 2,292 2,272 1,612
3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18
----- End of picture text -----

26

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資本適足率與核心資本

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----- Start of picture text -----

金控集團資本適足率 (in %)
現金增資
153.43%
139.14% CAR
132.75% 131.84% 131.31%
125.34% 124.61%
115.66%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
現金增資
CAR
13.67% 13.46% 13.27% 13.42% 13.58%
12.82%
12.27%
11.50%
Tier 1
10.93% 10.86% 10.95% 10.64% 11.25% 11.42%
9.45%
9.02%
2H14 1H15 2H15 1H16 2H16 1H17 2H17 1Q18
2H14 1H15 2H15 1H16 2H16 1H17 2H17 1Q18
----- End of picture text -----

  • 金控公司法定上限 : 雙重槓桿 < 125% ; 債務比 < 30%

  • 資本適足率每半年更新一次 ,1Q18 資本適足率為自結數

27

股利政策

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2015
2016
2017
0.95
1.20
0.90
0.45
0.20
0.10
1.40
1.40
1.00
64.2%
82.8%
70.9%
1.40
1.40
1.00
1.42
1.48
1.271
2015
2016
2017
2
1.20
1.35
1.18
1.43
2013
2014
第一金控每股盈餘與股利派發( in NT$ dollar )
每股盈餘
股利		 1.40
1.40
1.00
1.42
1.48
1.271
2015
2016
2017
每股盈餘
股利
2013
2014
2013
2014		 2015
2016
2017
2
現金股利
0.50
0.70		 0.95
1.20
0.90
股票股利
0.70
0.65		 0.45
0.20
0.10
總計股利
1.20
1.35		 1.40
1.40
1.00
現金股利派發率
42.4%
49.0%		 64.2%
82.8%
70.9%
  1. 每股盈餘依年按增資股數後調整 2. 2017 年股利發放仍待 2018 年 6 月 22 日股東常會決議 .

28

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附件

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第一金控綜合損益表

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第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表
FFHC Consolidated Statement of Comprehensive Income(in NT$ million or %)





~~h~~
Year-over-Year Comparison
Full Year Results
~~h~~
~~2015~~
~~2016~~
~~2017~~
28,452
28,801
29,993
8,502
8,723
8,341
121
1,351
5,130
1,152
2,569
5,550
146
163
93
541
951
1,052		 ~~1Q17~~ ~~1Q18~~ ~~Cange~~
Net interest income
Net service fee & commission
Net Insurance revenue
Gain on financial assets meas.
at fair value through P/L
Real estate investment gain
Gain on AFS financial assets		 7,273
1,719
1,475
1,888
14
110		 7,384
1,975
3,434
1,399
25		 1.5%
14.9%
132.8%
-25.9%
78.6%
Gain on financial assets at fair value
through other compre. income		 543
Income from equity invest.
Net gain on F/X
Assets impairment loss
Others
Net Revenue
Net Provision for credit losses
Recovered(provided) for insurance res.
Operating Expense
Income from continued op. before tax
Income tax expenses
Consolidatednetincome		 (588)
(75)
138
1,707
935
(170)
(10)
(39)
(46)
825
1,712
746
40,848
45,091
50,827
(518)
(2,244)
(6,772)
540
(871)
(4,560)
(21,893)
(21,779)
(21,347)
18,976
20,197
18,148
(3,014)
(2,913)
(2,716)
15,962
17,284
15,432
413
(2,354)
(1,038)
16,375
14,930
14,394
16,006
17,356
15,483
(44)
(72)
(51)
16,461
15,023
14,380
(86)
(93)
14
1.48
1.42
1.27		 55
(521)
(15)
84
12,082
(452)
(1,339)
(5,225)
5,066
(757)
4,309		 32
(86)
(1)
393
15,098
(1,289)
(3,259)
(5,391)
5,159
(567)
4,592		 -41.8%
-83.5%
-93.3%
367.9%
25.0%
185.2%
143.4%
3.2%
1.8%
-25.1%
6.6%
Other Items
Comprehensive Income		 (1,391)
2,918		 (1,362)
3,230		 -2.1%
10.7%
Net Income attributed to:
Parent
Minorityinterests		 4,340
(31)		 4,592 5.8%
Comprehensive Income attributed to:
Parent
Minorityinterests		 2,939
(21)		 3,230 9.9%
EPS1(NT$)
0.36 0.38 5.6%

30

第一金控非合併損益表

==> picture [181 x 31] intentionally omitted <==

FFHC's Financial Results Summary FFHC Standalone Income Statement Summary in NT$ million, NT$, or %
F
in
O



Lo
O
Ot
In
In
In
N
EP

F		 FHC Standalone Income Statement Summary
NT$ million, NT$, or %
FHC's Financial Results Summary
O



Lo
O
Ot
In
In
In
N
EP		 2015
2016
2017
perating revenues
Income from long-term investment
16,431
17,857
15,693
Other income1
213
242
246
Total revenues
16,644
18,099
15,939
ss from long-term investment
(114)
(304)
(53)
perating expenses
(373)
(338)
(334)
her expenses and losses
(192)
(145)
(118)
come from continued op. before tax
15,965
17,312
15,434
come from continued op. after tax
16,006
17,356
15,483
come from discontinued op., net of tax
0
0
0
et income
16,006
17,356
15,483
S2(NT$)
1.48
1.42
1.27
Full Year Results		 Year-over-Year Comparison
1Q17 1Q18 Change
4,495
1
4,496
(33)
(83)
(40)
4,340
4,340
0
4,340
0.36		 4,766
1
4,767
(67)
(87)
(21)
4,592
4,592
0
4,592
0.38		 6.0%
0.0%
6.0%
103.0%
4.8%
-47.5%
5.8%
5.8%
--
5.8%
5.6%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

31

==> picture [181 x 31] intentionally omitted <==

第一金控資產負債表

FFHC Balance Sheet Summary ~~in NT$ million or million shares~~

2015
2016
2017
1Q17
1Q18
Change
197,454
203,834
205,970
206,896
217,598
5.2%
201,923
205,165
208,951
208,501
218,871
5.0%
14,283
13,390
17,168
13,787
17,092
24.0%
187,640
191,775
191,783
194,714
201,779
3.6%
2,500,096
2,541,156
2,634,059
2,566,877
2,655,474
3.5%
2,312,109
2,349,127
2,442,008
2,371,930
2,453,696
3.4%
187,987
192,029
192,051
194,947
201,779
3.5%
187,640
191,775
191,783
194,714
201,779
3.6%
347
254
268
233
114,611
119,769
122,164
119,769
122,164
2.0%
Full Years Result
Year-over-Year Comparison		 2015
2016
2017
1Q17
1Q18
Change
197,454
203,834
205,970
206,896
217,598
5.2%
201,923
205,165
208,951
208,501
218,871
5.0%
14,283
13,390
17,168
13,787
17,092
24.0%
187,640
191,775
191,783
194,714
201,779
3.6%
2,500,096
2,541,156
2,634,059
2,566,877
2,655,474
3.5%
2,312,109
2,349,127
2,442,008
2,371,930
2,453,696
3.4%
187,987
192,029
192,051
194,947
201,779
3.5%
187,640
191,775
191,783
194,714
201,779
3.6%
347
254
268
233
114,611
119,769
122,164
119,769
122,164
2.0%
Full Years Result
Year-over-Year Comparison		 2015
2016
2017
1Q17
1Q18
Change
197,454
203,834
205,970
206,896
217,598
5.2%
201,923
205,165
208,951
208,501
218,871
5.0%
14,283
13,390
17,168
13,787
17,092
24.0%
187,640
191,775
191,783
194,714
201,779
3.6%
2,500,096
2,541,156
2,634,059
2,566,877
2,655,474
3.5%
2,312,109
2,349,127
2,442,008
2,371,930
2,453,696
3.4%
187,987
192,029
192,051
194,947
201,779
3.5%
187,640
191,775
191,783
194,714
201,779
3.6%
347
254
268
233
114,611
119,769
122,164
119,769
122,164
2.0%
Full Years Result
Year-over-Year Comparison		 2015
2016
2017
1Q17
1Q18
Change
197,454
203,834
205,970
206,896
217,598
5.2%
201,923
205,165
208,951
208,501
218,871
5.0%
14,283
13,390
17,168
13,787
17,092
24.0%
187,640
191,775
191,783
194,714
201,779
3.6%
2,500,096
2,541,156
2,634,059
2,566,877
2,655,474
3.5%
2,312,109
2,349,127
2,442,008
2,371,930
2,453,696
3.4%
187,987
192,029
192,051
194,947
201,779
3.5%
187,640
191,775
191,783
194,714
201,779
3.6%
347
254
268
233
114,611
119,769
122,164
119,769
122,164
2.0%
Full Years Result
Year-over-Year Comparison
1Q17 1Q18 Change
Non-consolidated Balance Sheet Data
Long-term investment
Total non-consolidated assets
Total liabilities
Total shareholders' equity
Conolidated Balance Sheet Data
Total consolidated assets
Total liabilities
Total shareholders' equity
Parent's shareholders' equity
Minority interests
Current shares outstanding		 206,896
208,501
13,787
194,714
2,566,877
2,371,930
194,947
194,714
233
119,769		 217,598
218,871
17,092
201,779
2,655,474
2,453,696
201,779
201,779
122,164		 5.2%
5.0%
24.0%
3.6%
3.5%
3.4%
3.5%
3.6%
2.0%

*figures may not match due to rounding

32

==> picture [181 x 31] intentionally omitted <==

一 第 金控主要財務比率

FFHC Key Ratios

==> picture [36 x 242] intentionally omitted <==
FFHC Key Ratios
Full Year Results 1Q17
1Q18
Change
0.68%
0.68%
0.0%
8.92%
9.16%
2.7%
16.26
16.52
1.6%
119,769
122,164
2.0%
106.26%
107.84%
1.5%
130.82%
124.61%
-4.7%
6.61%
7.81%
18.2%
Year-over-Year Comparison
2015
2016
2017		 1Q17 1Q18 Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.66%
0.69%
0.60%
9.32%
9.10%
8.04%
16.37
16.01
15.70
114,611
119,769
122,164
105.23%
106.29%
107.40%
153.43%
139.14%
131.31%
7.07%
6.53%
8.24%		 0.68%
8.92%
16.26
119,769
106.26%
130.82%
6.61%		 0.68%
9.16%
16.52
122,164
107.84%
124.61%
7.81%		 0.0%
2.7%
1.6%
2.0%
1.5%
-4.7%
18.2%

  1. Double leverage ratio = Long-term investment / Equity

  2. Updated semi-annually.

  3. Non-consolidated basis.

33

==> picture [181 x 31] intentionally omitted <==

第一銀行損益表

~~FB Comprehensive Income Statement Summary(Standalone)~~ in NT$ million or %

第一銀行損益表
~~F~~ ~~Comprehensive Income Statement Summary(Standalone)~~
bject to final Reviewed
NT$ million or %
2015
2016
2017
1Q17
1Q18
Change
et interest income
27,496
27,797
28,843
7,018
7,044
0.4%
et fee income
7,790
8,035
7,457
1,559
1,769
13.5%
et gain on ST invest.
(49)
274
398
67
(45)
et gain on LT invest.
177
433
719
78
110
41.0%
et gain on other fin. products
2,823
4,344
5,256
1,270
1,796
41.4%
her net income
349
654
241
34
375
1002.9%
et revenue
38,586
41,537
42,914
10,026
11,049
10.2%
perating expenses
(18,997)
(18,963)
(18,466)
(4,546)
(4,650)
2.3%
e-provisiion pre-tax profit
19,589
22,574
24,448
5,480
6,398
16.8%
ovision expense
(3,027)
(4,396)
(9,621)
(874)
(1,973)
125.7%
djustment: bad-debt recovery
2,554
2,346
2,782
424
681
60.6%
come before tax
19,115
20,524
17,609
5,030
5,106
1.5%
ncome tax
(3,015)
(2,825)
(2,467)
(709)
(544)
-23.3%
et income
16,100
17,699
15,142
4,320
4,562
5.6%
ther items
995
(2,100)
(1,214)
(1,577)
(1,351)
-14.3%
omprehensive income
17,095
15,599
13,928
2,743
3,211
17.1%
S
1.93
1.99
1.70
0.49
0.51
0.04
reliminary data for 1Q18
Full Year Results
Year-over-Year Comparison
bject to final Reviewed
2015
2016
2017
1Q17
1Q18
Change
et interest income
27,496
27,797
28,843
7,018
7,044
0.4%
et fee income
7,790
8,035
7,457
1,559
1,769
13.5%
et gain on ST invest.
(49)
274
398
67
(45)
et gain on LT invest.
177
433
719
78
110
41.0%
et gain on other fin. products
2,823
4,344
5,256
1,270
1,796
41.4%
her net income
349
654
241
34
375
1002.9%
et revenue
38,586
41,537
42,914
10,026
11,049
10.2%
perating expenses
(18,997)
(18,963)
(18,466)
(4,546)
(4,650)
2.3%
e-provisiion pre-tax profit
19,589
22,574
24,448
5,480
6,398
16.8%
ovision expense
(3,027)
(4,396)
(9,621)
(874)
(1,973)
125.7%
djustment: bad-debt recovery
2,554
2,346
2,782
424
681
60.6%
come before tax
19,115
20,524
17,609
5,030
5,106
1.5%
ncome tax
(3,015)
(2,825)
(2,467)
(709)
(544)
-23.3%
et income
16,100
17,699
15,142
4,320
4,562
5.6%
ther items
995
(2,100)
(1,214)
(1,577)
(1,351)
-14.3%
omprehensive income
17,095
15,599
13,928
2,743
3,211
17.1%
S
1.93
1.99
1.70
0.49
0.51
0.04
reliminary data for 1Q18
Full Year Results
Year-over-Year Comparison
N
N
N
N
N
Ot
N
O
Pr
Pr
A
In
I
N
O
C
Su
EP
*p

34

==> picture [181 x 31] intentionally omitted <==

第一銀行主要財務比率

~~FB's Financial Results Summ~~

FB Key Ratios

~~FB's Financial Results Summ~~
FB Key Ratios
2015
2016
2017
1Q17
1Q18
Change
Loan to deposit spread
1.63%
1.65%
1.65%
1.63%
1.63%
0.00%
Net Interest Margin
1.26%
1.26%
1.26%
1.26%
1.22%
-3.17%
Cost to income ratio3
45.53%
45.65%
43.03%
45.34%
42.09%
-7.17%
Loan to deposit ratio1
79.04%
79.04%
79.28%
80.48%
80.00%
-0.60%
NPL ratio
0.19%
0.20%
0.38%
0.22%
0.40%
81.82%
Gross Provision ratio
1.19%
1.16%
1.29%
1.14%
1.14%
0.00%
LLR ratio (excluding gov. loan)
1.40%
1.22%
1.38%
1.18%
1.19%
0.85%
Coverage ratio
751.03%
625.14%
358.56%
537.82%
297.73%
-44.64%
CAR
13.67%
13.27%
13.42%
13.31%
13.58%
2.03%
Tier-1
10.93%
10.95%
11.25%
11.11%
11.42%
2.79%
ROAA2
0.69%
0.72%
0.60%
0.68%
0.72%
5.88%
ROAE2
9.56%
9.46%
7.91%
9.00%
9.16%
1.78%
1. Loan to depoist ratio = total loan / total deposit
2. Annualized figures.
Year-over-Year Comparison
Full Year Results

  1. Loan to depoist ratio = total loan / total deposit

  2. Annualized figures.

35

==> picture [181 x 31] intentionally omitted <==

第一銀行資產品質

FB NPL Migration in NT$ million or %

FB NPL Migration
NT$ million or %
2016
2017
Q1
Q2
Q3
Q4
1Q17
1Q18
Change
L- beginning
2,761
3,035
3,035
3,385
3,724
3,752
3,035
6,114
101.4%
et new NPL influx
6,166
7,225
1,700
1,379
908
3,238
1,700
2,822
66.0%
Domestic
4,611
6,744
1,320
1,385
880
3,159
1,320
2,660
101.5%
Overseas
1,555
481
380
(6)
28
79
380
162
-57.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
L- ending balance
3,035
6,114
3,385
3,724
3,752
6,114
3,385
6,392
88.8%
owance for loan loss- beginning
20,738
18,973
18,973
18,205
18,561
18,762
18,973
19,781
4.3%
rovisions for loan loss
4,238
7,429
775
1,374
1,188
4,092
775
1,832
136.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
Others
(111)
(334)
(193)
22
(107)
(56)
(193)
(39)
-79.8%
owance for loan loss- ending
18,973
21,922
18,205
18,561
18,762
21,922
18,205
19,030
4.5%
covery from bad debt
2,346
2,782
424
1,310
511
537
424
681
60.6%
Domestic
2,075
2,533
369
1,169
496
499
369
636
72.4%
Overseas
214
197
43
128
1
25
43
33
-23.3%
Credit card
57
52
12
13
14
13
12
12
0.0%
Non-consolidated basis
TD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and other provision referring to IFRS9 since 2018
Year-over-Year Comparison
2017 Quarterly
Full Year Results*		 NPL Migration
NT$ million or %
2016
2017
Q1
Q2
Q3
Q4
1Q17
1Q18
Change
L- beginning
2,761
3,035
3,035
3,385
3,724
3,752
3,035
6,114
101.4%
et new NPL influx
6,166
7,225
1,700
1,379
908
3,238
1,700
2,822
66.0%
Domestic
4,611
6,744
1,320
1,385
880
3,159
1,320
2,660
101.5%
Overseas
1,555
481
380
(6)
28
79
380
162
-57.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
L- ending balance
3,035
6,114
3,385
3,724
3,752
6,114
3,385
6,392
88.8%
owance for loan loss- beginning
20,738
18,973
18,973
18,205
18,561
18,762
18,973
19,781
4.3%
rovisions for loan loss
4,238
7,429
775
1,374
1,188
4,092
775
1,832
136.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
Others
(111)
(334)
(193)
22
(107)
(56)
(193)
(39)
-79.8%
owance for loan loss- ending
18,973
21,922
18,205
18,561
18,762
21,922
18,205
19,030
4.5%
covery from bad debt
2,346
2,782
424
1,310
511
537
424
681
60.6%
Domestic
2,075
2,533
369
1,169
496
499
369
636
72.4%
Overseas
214
197
43
128
1
25
43
33
-23.3%
Credit card
57
52
12
13
14
13
12
12
0.0%
Non-consolidated basis
TD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and other provision referring to IFRS9 since 2018
Year-over-Year Comparison
2017 Quarterly
Full Year Results*		 NPL Migration
NT$ million or %
2016
2017
Q1
Q2
Q3
Q4
1Q17
1Q18
Change
L- beginning
2,761
3,035
3,035
3,385
3,724
3,752
3,035
6,114
101.4%
et new NPL influx
6,166
7,225
1,700
1,379
908
3,238
1,700
2,822
66.0%
Domestic
4,611
6,744
1,320
1,385
880
3,159
1,320
2,660
101.5%
Overseas
1,555
481
380
(6)
28
79
380
162
-57.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
L- ending balance
3,035
6,114
3,385
3,724
3,752
6,114
3,385
6,392
88.8%
owance for loan loss- beginning
20,738
18,973
18,973
18,205
18,561
18,762
18,973
19,781
4.3%
rovisions for loan loss
4,238
7,429
775
1,374
1,188
4,092
775
1,832
136.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
Others
(111)
(334)
(193)
22
(107)
(56)
(193)
(39)
-79.8%
owance for loan loss- ending
18,973
21,922
18,205
18,561
18,762
21,922
18,205
19,030
4.5%
covery from bad debt
2,346
2,782
424
1,310
511
537
424
681
60.6%
Domestic
2,075
2,533
369
1,169
496
499
369
636
72.4%
Overseas
214
197
43
128
1
25
43
33
-23.3%
Credit card
57
52
12
13
14
13
12
12
0.0%
Non-consolidated basis
TD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and other provision referring to IFRS9 since 2018
Year-over-Year Comparison
2017 Quarterly
Full Year Results*		 NPL Migration
NT$ million or %
2016
2017
Q1
Q2
Q3
Q4
1Q17
1Q18
Change
L- beginning
2,761
3,035
3,035
3,385
3,724
3,752
3,035
6,114
101.4%
et new NPL influx
6,166
7,225
1,700
1,379
908
3,238
1,700
2,822
66.0%
Domestic
4,611
6,744
1,320
1,385
880
3,159
1,320
2,660
101.5%
Overseas
1,555
481
380
(6)
28
79
380
162
-57.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
L- ending balance
3,035
6,114
3,385
3,724
3,752
6,114
3,385
6,392
88.8%
owance for loan loss- beginning
20,738
18,973
18,973
18,205
18,561
18,762
18,973
19,781
4.3%
rovisions for loan loss
4,238
7,429
775
1,374
1,188
4,092
775
1,832
136.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
Others
(111)
(334)
(193)
22
(107)
(56)
(193)
(39)
-79.8%
owance for loan loss- ending
18,973
21,922
18,205
18,561
18,762
21,922
18,205
19,030
4.5%
covery from bad debt
2,346
2,782
424
1,310
511
537
424
681
60.6%
Domestic
2,075
2,533
369
1,169
496
499
369
636
72.4%
Overseas
214
197
43
128
1
25
43
33
-23.3%
Credit card
57
52
12
13
14
13
12
12
0.0%
Non-consolidated basis
TD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and other provision referring to IFRS9 since 2018
Year-over-Year Comparison
2017 Quarterly
Full Year Results*		 NPL Migration
NT$ million or %
2016
2017
Q1
Q2
Q3
Q4
1Q17
1Q18
Change
L- beginning
2,761
3,035
3,035
3,385
3,724
3,752
3,035
6,114
101.4%
et new NPL influx
6,166
7,225
1,700
1,379
908
3,238
1,700
2,822
66.0%
Domestic
4,611
6,744
1,320
1,385
880
3,159
1,320
2,660
101.5%
Overseas
1,555
481
380
(6)
28
79
380
162
-57.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
L- ending balance
3,035
6,114
3,385
3,724
3,752
6,114
3,385
6,392
88.8%
owance for loan loss- beginning
20,738
18,973
18,973
18,205
18,561
18,762
18,973
19,781
4.3%
rovisions for loan loss
4,238
7,429
775
1,374
1,188
4,092
775
1,832
136.4%
et write-offs
(5,892)
(4,146)
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
Others
(111)
(334)
(193)
22
(107)
(56)
(193)
(39)
-79.8%
owance for loan loss- ending
18,973
21,922
18,205
18,561
18,762
21,922
18,205
19,030
4.5%
covery from bad debt
2,346
2,782
424
1,310
511
537
424
681
60.6%
Domestic
2,075
2,533
369
1,169
496
499
369
636
72.4%
Overseas
214
197
43
128
1
25
43
33
-23.3%
Credit card
57
52
12
13
14
13
12
12
0.0%
Non-consolidated basis
TD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and other provision referring to IFRS9 since 2018
Year-over-Year Comparison
2017 Quarterly
Full Year Results*

in
2016
2017
2,761
3,035
6,166
7,225
4,611
6,744
1,555
481
(5,892)
(4,146)
3,035
6,114
20,738
18,973
4,238
7,429
(5,892)
(4,146)
(111)
(334)
18,973
21,922
2,346
2,782
2,075
2,533
214
197
57
52
Full Year Results		 Q1
Q2
Q3
Q4
1Q17
1Q18
Change
3,035
3,385
3,724
3,752
3,035
6,114
101.4%
1,700
1,379
908
3,238
1,700
2,822
66.0%
1,320
1,385
880
3,159
1,320
2,660
101.5%
380
(6)
28
79
380
162
-57.4%
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
3,385
3,724
3,752
6,114
3,385
6,392
88.8%
18,973
18,205
18,561
18,762
18,973
19,781
4.3%
775
1,374
1,188
4,092
775
1,832
136.4%
(1,350)
(1,040)
(880)
(876)
(1,350)
(2,544)
88.4%
(193)
22
(107)
(56)
(193)
(39)
-79.8%
18,205
18,561
18,762
21,922
18,205
19,030
4.5%
424
1,310
511
537
424
681
60.6%
369
1,169
496
499
369
636
72.4%
43
128
1
25
43
33
-23.3%
12
13
14
13
12
12
0.0%
Year-over-Year Comparison
2017 Quarterly*
1Q18 Change
NP
N


N
NP
All
P
N

All
Re


 L- beginning
et new NPL influx
Domestic
Overseas
et write-offs
L- ending balance
owance for loan loss- beginning
rovisions for loan loss
et write-offs
Others
owance for loan loss- ending
covery from bad debt
Domestic
Overseas
Credit card		 6,114
2,822
2,660
162
(2,544)
6,392
19,781*
1,832
(2,544)
(39)
19,030
681
636
33
12		 101.4%
66.0%
101.5%
-57.4%
88.4%
88.8%
4.3%
136.4%
88.4%
-79.8%
4.5%
60.6%
72.4%
-23.3%
0.0%
A
1.
* N

  1. Non-consolidated basis

  2. NTD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and other provision referring to IFRS9 since 2018

36

第一金證券營運報告

==> picture [181 x 31] intentionally omitted <==

~~First Sec Income Statement Summary~~

in NT$ million or %
~~First Sec Income Statement Summary~~

37

==> picture [181 x 31] intentionally omitted <==

第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

F
i
T
O
N
I
I
I
C
N
F
A
A
1
S
n		 ITC Income Statement Summary
NT$ million or %
2015
2016
2017
1Q17
1Q18
Change
tal operating income
Management fee
464
440
501
112
152
35.7%
Sales service fee
1
5
7
1
1
0.0%
Total operating income
465
445
508
113
153
35.4%
erating expenses
(370)
(380)
(440)
(97)
(124)
27.8%
n-operating income
26
11
15
2
0
-100.0%
ome before tax
120
76
82
18
29
61.1%
ome tax
(18)
(12)
(12)
(3)
(6)
100.0%
ome after tax
102
64
70
15
23
53.3%
mmulative effect of change in accounting principles
0
0
0
0
0
t income
102
64
70
15
23
53.3%
y
ITC Key Ratios
M
97,016
94,461
101,095
100,580
105,432
4.8%
M Ranking
8
8
8
6
8
Non-consolidated basis
Year-over-Year Comparison
Full Yeart Results
2015
2016
2017
1Q17
1Q18
Change
464
440
501
112
152
35.7%
1
5
7
1
1
0.0%
465
445
508
113
153
35.4%
(370)
(380)
(440)
(97)
(124)
27.8%
26
11
15
2
0
-100.0%
120
76
82
18
29
61.1%
(18)
(12)
(12)
(3)
(6)
100.0%
102
64
70
15
23
53.3%
0
0
0
0
0
102
64
70
15
23
53.3%
Year-over-Year Comparison
Full Yeart Results
1Q18 Change
T
O
N
I
I
I
C
N		 o



p
o
nc
nc
nc
u
e		 tal operating income
Management fee
Sales service fee
Total operating income
erating expenses
n-operating income
ome before tax
ome tax
ome after tax
mmulative effect of change in accounting principles
t income		 152
1
153
(124)
0
29
(6)
23
0
23		 35.7%
0.0%
35.4%
27.8%
-100.0%
61.1%
100.0%
53.3%
53.3%
F S y
ITC Key Ratios
A
A		 U
U		 M
M Ranking		 97,016
94,461
101,095
100,580
8
8
8
6		 105,432
8		 4.8%
1 . Non-consolidated basis

38

第一金人壽營運報告

==> picture [181 x 31] intentionally omitted <==

第一金人壽營運報告 第一金人壽營運報告 第一金人壽營運報告
First Life Financial Results Summar
y
~~i NT$ illi %~~
~~n mon or~~ 2015
2016
2017
1Q17
1Q18
Change
11,576
7,520
13,298
3,196
5,596
75.1%
11,820
7,235
11,684
3,484
5,898
69.3%
233
244
277
64
76
18.8%
(476)
41
1,337
(352)
(378)
7.4%
11,164
7,157
12,861
3,133
5,519
76.2%
27
37
40
9
11
22.2%
2,994
(2,037)
4,566
930
3,206
244.7%
7,412
8,502
7,419
1,984
2,014
1.5%
691
586
711
185
247
33.5%
40
72
125
25
41
64.0%
(501)
(513)
(566)
(139)
(163)
17.3%
(113)
(83)
(134)
(25)
(45)
80.0%
(388)
(430)
(432)
(114)
(118)
3.5%
0
0
0
0
0
(89)
(150)
(129)
(76)
(86)
13.2%
0
0
0
0
0
(89)
(150)
(129)
(76)
(86)
13.2%
(1)
3
26
12
19
58.3%
(90)
(147)
(103)
(64)
(67)
4.7%
-11.26%
-23.91%
-19.39%
-51.46%
-22.39%
-56.5%
-0.28%
-0.45%
-0.30%
-0.81%
-0.69%
-14.8%
Year-over-Year Comparison
Full Year Result
Income Statement Summary
Operating Revenue
Premium Income
Other insurance income
Net Investment Income
Operating Cost
Reinsurance commission
Reserves
Claims
Commission
Others
Operating Expenses
Sales related expenses
Management expenses
Other expense
Profit/Loss of Operation
Non-Operating Profit
Profit/Loss Before Tax
Income tax
Net Income after tax
Key Ratios
ROAE(Annualized ratio)
ROAA(Annualized ratio)
* FFHC claims 51% of First-Aviva operating results in 2015,2016, and 2017.
  • FFHC claims 51% of First-Aviva operating results in 2015,2016, and 2017.

39

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==> picture [375 x 44] intentionally omitted <==

Q&A

==> picture [720 x 26] intentionally omitted <==

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