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First Financial Holding Co. Ltd. Interim / Quarterly Report 2019

Dec 6, 2019

52222_rns_2019-12-06_8af62b82-edb8-4024-a07b-ee65eb6aec14.pdf

Interim / Quarterly Report

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大和證券非交易路演 第一金控2019年第三季營運報告

Tokyo, Dec. 2019

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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，
我們會盡力確保簡報內容的正確性、完整性與精準度，但第一金控並不保證所有資料皆
準確無誤，簡報公開後，我們亦不承擔有因情勢變更而即時修正相關內容之義務。
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
略、營運計畫與未來展望等皆屬前瞻性陳述範疇，而前瞻性陳述本身的不確定性、風險、
假設或其它因素如：法規變化、競爭環境、科技發展、經濟情勢與經營上的改變等，皆
有可能導致公司實際營運結果與簡報陳述有重大差異。

簡報的內容、陳述或主張非為買賣或提供買賣任何有價證券或金融商品的邀約、邀約之
引誘或建議。第一集團及其各關係企業代表人無論過失或其它原因，均不對使用或因他
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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- 公司簡介

  • 2019 前三季業務摘錄

  • 財務資料

  • 營運成果

  • 附件

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公司簡介

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第一金控簡介

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  • 成立於1899年, 第一銀行( “ FCB ” ) 具有廣大知 ” ”

  • 名度, 也是台灣昔稱 三商銀 之一, 旗下分行據 點廣布台灣及海外各處,見證了台灣經濟起飛之 歷史.

  • 第一金控, 以第一銀行為其主要旗艦子公 司,於 2003年正式成立 .

    • 金控旗下現有證券,投信,人壽及其他 子公司,除提供客戶全方位金融服務外 ,仍持續擴充事業版圖.

2019/9

  • 存款市佔率 5.7%

  • 放款市佔率 5.9%  金控資產排名 第 9  中小企業放款 第 1 (10.11%)  貿易融資 第 3  保管業務市佔率第 1  銀行通路 第 2 (188 國內 /41 海外 )

財務摘要

$mn, except per
share amounts		 2015 2016 2017 2018
淨收益 40,848 45,091 50,827 60,249
淨利 15,962 17,284 15,432 17,332
EPS 1.48 1.42 1.25 1.40
ROAE (annualized) 9.32% 9.10% 8.04% 8.58%

2019 年前三季績效

in NT$ mn
淨利 15,043
淨利 173
淨利 68
淨利 267

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第一銀行
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第一金證券
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第一金投信
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第一金人壽
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第一金控股權結構

政府 ( 直接 18.94%; 間接 : 7.25%) 26.19% 其他 : 47.49%

外國機構法人 :

基準日： 2019/4/23

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2019前三季業務摘錄

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2019前三季重點摘錄

  • 2019 第三季表現強勁 , 年成長達 +7.2% : 獲利動能在第三季加速衝刺, 銀行子公司稅後獲利達到+6.2%成長 ; 人壽子公司截至第三季止稅後獲利上揚至 NT$2.67億元, 達紀錄新高。

  • 中小企業與企金放款的需求自 2019 年第三季起同步反彈 : 受惠於政府推動台商回台投資優惠方案, 持續吸引企業與其供應鏈返鄉潮 ,帶動此波企業放款投資潮,預期2020年放款動能將逐步攀高。

 溫和的房地產價格支撐房貸業務年增長達 +6.7% , 財富管理業務也轉向至基金 銷售 : 自住需求為主之房屋交易量推升整體房貸市場成長動能，2019下半年因資本市 場轉強也帶動財管業務之基金銷售比重逐步提高,適時彌補保單銷售下滑的缺口 。

  • 2019 下半年起銀行子公司信用成本逐漸正常化 , 預計將持續至 2020 年 : 2019年前三季之年化信用成本為20 bps,預計至2020年將維持類似水準。

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2019前三季財務資料

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2019 前三季主要財務數字

經營績效( in NT$ dollar, NT$ mn, mn shares or %)
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
3Q18
14,3411
15,945
2,882,678
1.15
16.49
123,386
9.51%
0.69%
126.80%
105.90%
3Q19
15,3771
22,749
3,016,430
1.23
17.31
124,619
9.73%
0.69%
121.03%
105.80%
YoY %
7.2%
42.7%
7.8%
7.0%
5.0%
1.0%
2.3%
0.0%
-4.6%
-0.1%
%
3Q19獲利組合1( in NT$ mn) 經營績效( in NT$ dollar, NT$ mn, mn shares or %)
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
3Q18
14,3411
15,945
2,882,678
1.15
16.49
123,386
9.51%
0.69%
126.80%
105.90%
3Q19
15,3771
22,749
3,016,430
1.23
17.31
124,619
9.73%
0.69%
121.03%
105.80%
YoY %
7.2%
42.7%
7.8%
7.0%
5.0%
1.0%
2.3%
0.0%
-4.6%
-0.1%
%
銀行
NT$15,043; 97.8%
證券
NT$173;1.2%
投信
NT$68; 0.4 %
其他
NT$(267); -1.7
保險
NT$267; 1.7%
AMC
NT$93; 0.6%

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.[資本適足率為自結數]

5.[雙重槓桿比率] =[股權投資] /[股東權益]

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2019前三季營運成果

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2019 前三季合併稅後淨利 (in NT$ mn)
↓ 36.7%
(2,643)
47,075 (8,293) ↑42.7 %
(17,666) ↑ 7.2%
22,749
(3,096)
15,377
淨收益 呆帳提存 保險準備 營業費用 所得稅 淨利 綜合損益
2018 前三季合併稅後獲利 (in NT$ mn)
(4,178)
46,591
(8,778)
(16,973)
(2,321)
14,341 15,945
淨收益 呆帳提存 保險準備 營業費用 所得稅 淨利 綜合損益
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2019前三季主要子公司*獲利表現 - 稅後淨利

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2019 前三季稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 7.2%
↑ 6.2%
15,377
15,043
由負轉正
173 68 267 93
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 金控合併
2018 前三季稅後獲利 -- 主要子公司 (in NT$ mn)
14,163 14,341
214 83 115
(91)
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 金控合併
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  • 僅列示 5 家主要子公司

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2019前三季營運成果

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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
10.29% 8.04% 9.16% 9.70% 9.51% 8.58% 9.16% 9.52% 9.73%
17,332
14,832 15,432 14,341 15,377
9,605 9,914
4,592 4,810
9M 17 2017 3M18 6M18 9M18 2018 3M 19 6M 19 9M 19
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
10.15% 7.91% 9.16% 9.34% 9.40% 8.71% 9.00% 9.34% 9.55%
17,531
14,565 15,142 14,163 15,043
9,243 9,708
4,562 4,715
9M 17 2017 3M 18 6M 18 9M 18 2018 3M 19 6M 19 9M 19
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一銀 2019前三季稅前獲利

3Q18
3Q19
3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19
累積淨收益
3Q19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
3Q18
3Q19
Change
淨利收
61.1%
58.1%
-3.0%
淨手續費收益
16.3%
15.9%
-0.4%
投資收益/短投
0.8%
1.4%
+0.6%
投資收益/長投
2.2%
2.4%
-0.2%
投資收益/其他金融商品
18.4%
21.6%
+3.2%
其他
1.2%
0.6%
-0.6%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-11.8%
-7.2%
-4.6%
營業費用
-41.8%
-42.9%
+1.1%
稅前獲利
46.4%
49.9%
+3.5%
淨利收
淨手收
投資收益
營業費用
2019前三季一銀淨收益&費用比較( NT$mn )
↓2.9%
↓0.4%
↑ 21.2%
+2.2%
21,469
5,712
7,514
14,674
20,843
5,689
9,106
4,624
15,409
6,236
2,093
2,046
呆帳費用1
呆帳收回
35,120
35,886
3Q18
3Q19
↓25.9%
↑ 5.0%		 3Q18
3Q19
3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19
累積淨收益
3Q19累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
3Q18
3Q19
Change
淨利收
61.1%
58.1%
-3.0%
淨手續費收益
16.3%
15.9%
-0.4%
投資收益/短投
0.8%
1.4%
+0.6%
投資收益/長投
2.2%
2.4%
-0.2%
投資收益/其他金融商品
18.4%
21.6%
+3.2%
其他
1.2%
0.6%
-0.6%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-11.8%
-7.2%
-4.6%
營業費用
-41.8%
-42.9%
+1.1%
稅前獲利
46.4%
49.9%
+3.5%
淨利收
淨手收
投資收益
營業費用
2019前三季一銀淨收益&費用比較( NT$mn )
↓2.9%
↓0.4%
↑ 21.2%
+2.2%
21,469
5,712
7,514
14,674
20,843
5,689
9,106
4,624
15,409
6,236
2,093
2,046
呆帳費用1
呆帳收回
35,120
35,886
3Q18
3Q19
↓25.9%
↑ 5.0%		 3Q18
3Q19
3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19
累積淨收益
3Q19累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
3Q18
3Q19
Change
淨利收
61.1%
58.1%
-3.0%
淨手續費收益
16.3%
15.9%
-0.4%
投資收益/短投
0.8%
1.4%
+0.6%
投資收益/長投
2.2%
2.4%
-0.2%
投資收益/其他金融商品
18.4%
21.6%
+3.2%
其他
1.2%
0.6%
-0.6%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-11.8%
-7.2%
-4.6%
營業費用
-41.8%
-42.9%
+1.1%
稅前獲利
46.4%
49.9%
+3.5%
淨利收
淨手收
投資收益
營業費用
2019前三季一銀淨收益&費用比較( NT$mn )
↓2.9%
↓0.4%
↑ 21.2%
+2.2%
21,469
5,712
7,514
14,674
20,843
5,689
9,106
4,624
15,409
6,236
2,093
2,046
呆帳費用1
呆帳收回
35,120
35,886
3Q18
3Q19
↓25.9%
↑ 5.0%		 3Q18
3Q19
3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19
累積淨收益
3Q19累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
3Q18
3Q19
Change
淨利收
61.1%
58.1%
-3.0%
淨手續費收益
16.3%
15.9%
-0.4%
投資收益/短投
0.8%
1.4%
+0.6%
投資收益/長投
2.2%
2.4%
-0.2%
投資收益/其他金融商品
18.4%
21.6%
+3.2%
其他
1.2%
0.6%
-0.6%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-11.8%
-7.2%
-4.6%
營業費用
-41.8%
-42.9%
+1.1%
稅前獲利
46.4%
49.9%
+3.5%
淨利收
淨手收
投資收益
營業費用
2019前三季一銀淨收益&費用比較( NT$mn )
↓2.9%
↓0.4%
↑ 21.2%
+2.2%
21,469
5,712
7,514
14,674
20,843
5,689
9,106
4,624
15,409
6,236
2,093
2,046
呆帳費用1
呆帳收回
35,120
35,886
3Q18
3Q19
↓25.9%
↑ 5.0%		 3Q18
3Q19
3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19
累積淨收益
3Q19累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
3Q18
3Q19
Change
淨利收
61.1%
58.1%
-3.0%
淨手續費收益
16.3%
15.9%
-0.4%
投資收益/短投
0.8%
1.4%
+0.6%
投資收益/長投
2.2%
2.4%
-0.2%
投資收益/其他金融商品
18.4%
21.6%
+3.2%
其他
1.2%
0.6%
-0.6%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-11.8%
-7.2%
-4.6%
營業費用
-41.8%
-42.9%
+1.1%
稅前獲利
46.4%
49.9%
+3.5%
淨利收
淨手收
投資收益
營業費用
2019前三季一銀淨收益&費用比較( NT$mn )
↓2.9%
↓0.4%
↑ 21.2%
+2.2%
21,469
5,712
7,514
14,674
20,843
5,689
9,106
4,624
15,409
6,236
2,093
2,046
呆帳費用1
呆帳收回
35,120
35,886
3Q18
3Q19
↓25.9%
↑ 5.0%		 3Q18
3Q19
3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19
累積淨收益
3Q19累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
3Q18
3Q19
Change
淨利收
61.1%
58.1%
-3.0%
淨手續費收益
16.3%
15.9%
-0.4%
投資收益/短投
0.8%
1.4%
+0.6%
投資收益/長投
2.2%
2.4%
-0.2%
投資收益/其他金融商品
18.4%
21.6%
+3.2%
其他
1.2%
0.6%
-0.6%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-11.8%
-7.2%
-4.6%
營業費用
-41.8%
-42.9%
+1.1%
稅前獲利
46.4%
49.9%
+3.5%
淨利收
淨手收
投資收益
營業費用
2019前三季一銀淨收益&費用比較( NT$mn )
↓2.9%
↓0.4%
↑ 21.2%
+2.2%
21,469
5,712
7,514
14,674
20,843
5,689
9,106
4,624
15,409
6,236
2,093
2,046
呆帳費用1
呆帳收回
35,120
35,886
3Q18
3Q19
↓25.9%
↑ 5.0%
累積淨收益
+2.2%
35,120
35,886
3Q18
3Q19
項目
3Q18		 3Q19 Change
淨利收
61.1%		 58.1% -3.0%
淨手續費收益
16.3%		 15.9% -0.4%
投資收益/短投
0.8%		 1.4% +0.6%
投資收益/長投
2.2%		 2.4% -0.2%
投資收益/其他金融商品
18.4%		 21.6% +3.2%
其他
1.2%		 0.6% -0.6%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-11.8%		 -7.2% -4.6%
營業費用
-41.8%		 -42.9% +1.1%
2019前三季一銀淨收益&費用比較( NT$mn ) 稅前獲利
46.4%		 49.9% +3.5%
  1. 毛提存費用

14

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一銀 2019前三季 總放款結構

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

|||||||
|---|---|---|---|---|---|
|各類放款結構|1|
|3Q19|總放款|[1]|(in NT$ bn or %)|
|項目|3Q18|3Q19|Change|
|消金放款|28.4%|29.2%|+0.8%|
|1,731.2|
|房貸|26.3%|26.9%|+0.6%|
|法金放款|71.6%|70.8%|-0.8%|
|1,657.9|+4.4%|大企業放款|7.4%|8.3%|+0.9%|
|中小企業放款|40.0%|39.3%|-0.7%|
|外幣放款|23.7%|23.1%|-0.6%|
|---|海外分行|14.0%|14.1%|+0.1%|
|3Q18|3Q19|
|總放款|[1]|
|總放款|[1]|100%|100%|
|3Q19|總放款|[1]|結構|(in NT$ bn )|
|↑|2.6%|
|680.6|
|663.3|
|↑|6.7%|
|外幣放款↑|1.9%|
|465.3|
|436.0|
|392.3|399.6|
|↑|17.9%|
|海外放款|
|↑|5.2%|
|143.9|
|海外|海外|
|122.0|232.2|244.3|44.1|41.8|
|3Q18 3Q19|3Q18 3Q19|3Q18 3Q19|3Q18 3Q19|3Q18 3Q19|
|房屋貸款|大企業放款|中小企業放款|外幣放款|其他|

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

  1. 總放款不含催收款 ; 2. 中小企業放款依經濟部定義

  2. 其他包含其他消費性貸款及政府及公營事業放款

15

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一銀總放款結構 -季度比較

~~44.1~~
~~38.8~~
~~40.3~~
~~37.8~~
~~41.8~~
392.3
397.0
405.6
400.8
399.6
132.2
143.2
141.6
144.9
143.9
663.3
672.3
669.7
674.7
680.6
436.0
445.7
452.4
459.3
465.3
3Q18
4Q18
1Q19
2Q19
3Q19
一銀放款成長(in NT$ bn)
1,657.9
1,697.0
1,709.5
1,717.6
1,731.2
QoQ%
↑0.8%
Mortgage ↑1.3%
SME↑0.9%
Large Corp.
↓0.7%
F/X↓0.3%
總放款
中小企業放款
房屋貸款
外幣放款
大企業放款
其他		 ~~44.1~~
~~38.8~~
~~40.3~~
~~37.8~~
~~41.8~~
392.3
397.0
405.6
400.8
399.6
132.2
143.2
141.6
144.9
143.9
663.3
672.3
669.7
674.7
680.6
436.0
445.7
452.4
459.3
465.3
3Q18
4Q18
1Q19
2Q19
3Q19
1,657.9
1,697.0
1,709.5
1,717.6
1,731.2
QoQ%
↑0.8%
Mortgage ↑1.3%
SME↑0.9%
Large Corp.
↓0.7%
F/X↓0.3%

16

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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
78.89% 79.28% 80.00% 76.62% 76.58% 78.71% 77.28% 78.12% 77.45% NTD 80.1%
F/X 69.0%
1,568.0 1,589.8 1,612.1 1,637.2 1,663.5 1,703.2 1,715.6 1,722.7 1,736.1
3Q17 2017 1Q18 2Q18 3Q18 2018 1Q19 2Q19 3Q19
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.64% 1.65% 1.63% 1.63% 1.64% 1.64% 1.62% 1.61% 1.60%
1.26% 1.26%
1.22% 1.21%
1.20%
1.18%
1.08% 1.06% 1.07%
3Q17 2017 1Q18 2Q18 3Q18 2018 1Q19 2Q19 3Q19
----- 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

17

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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 )
1.44%
1.42%
1.40%
1.39% 1.39%
1.86% 1.84% 1.82% 1.82% 1.81%
0.42% 0.42% 0.42% 0.43% 0.42%
3Q18 4Q18 1Q19 2Q19 3Q19
一銀外幣利差及成本分析 ( in % ) 存款利率 ( 外幣 ) 放款利率 ( 外幣 )
2.46%
2.44% 2.44% 利差 ( 外幣 )
2.39%
2.26%
4.05% 4.01%
3.83% 3.92% 3.82%
1.37% 1.47% 1.61% 1.62% 1.56%
3Q18 4Q18 1Q19 2Q19 3Q19
以上利率均為 季度加權平均數字
----- End of picture text -----*

18

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一銀2019前三季存款結構

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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
579.5
571.8
+1.3%
69.16%
68.30% 67.87% 67.41%
66.25%
△
3Q19 總存款
$2,241.4 bn
+3.2% YoY
1,600.0 +3.9% 1,661.9
2017 1H18 2018 1H19 3Q19
3Q18 3Q19
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產業貸放集中度分析

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

3Q19 - 特定貸放產業佔比
4.31%
11.25%
4.20%
4.80%
10.39%
4.64%
製造業 ; 25.24%
3Q19 3.96%
塑化
9.83% 總授信餘額 * 科技
機械
5.60%
$1,842.6 bn
金屬
其他製造
6.24% 個人放款 ( 含房貸 )
不動產
零售批發
運輸
34.78% 銀行保險
其他
----- End of picture text -----

  • 不含催收款及投資 .

20

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一銀房貸分析

3Q19房貸比重-地區別
(in %)
地區
放款比重%
逾放比
大台北都會
49%
0.26%
桃竹苗
18%
0.24%
大台中地區
11%
0.15%
大台南地區
10%
0.08%
大高雄地區
8%
0.16%
花東
4%
0.08%
總計
100.00%
0.21%
地區
放款比重%
逾放比
大台北都會
49%
0.26%
桃竹苗
18%
0.24%
大台中地區
11%
0.15%
大台南地區
10%
0.08%
大高雄地區
8%
0.16%
花東
4%
0.08%
總計
100.00%
0.21%
近一年各月份新承作房貸金額(in NT$mn)
9M18
10M18
11M18
12M18
1M19
2M19
3M19
4M19
5M19
6M19
7M19
8M19
9M19

21

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一銀2019前三季淨手續費結構

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

3Q19 累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 3Q18 3Q19 Change
財富管理 [1 ] 58.5% 57.0% -1.5%
5,689
放款相關 15.4% 16.5% +1.1%
-0.4%
5,712 外匯 11.3% 10.8% -0.5%
信用卡 4.9% 4.8% -0.1%
其他 [2] 9.9% 10.9% +1.0%
3Q18 3Q19
淨手續費收益 累積淨手續費收益 100.0% 100.0%
3Q19 累積淨手續費收益佔比 ( in NT$ mn )
↓ 3.0%
3,341 3,240
↑ 6.7%
↓ 23.7%
878 937
643 614 567 623
↑3.0% 283 274
3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19 3Q18 3Q19
財富管理 [1] 放款相關 外匯 信用卡 其他 [2]
----- End of picture text -----

  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

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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)
2,092
1,999
每季淨手續 1,851 1,851 1,814 1,876
費收益 ↑ 6.6%
218
94 228
其他 177 175 186
209 86
217
信用卡手收 96 106 98 196
90
外匯手收 217 228 218
321 200
296
放款手收 305 96 337 325 317 100
保管手收 97 90
89 96
695 562 ↑ 18.1%
銀行保險手收 493 476
567 514
財富管理
基金手收 466 451 349 380 490 532 ↑ 8.6%
2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
----- 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

23

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一銀2019前三季營業費用比率

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

|||||||
|---|---|---|---|---|---|
|3Q19|一銀累積營業費用|(in NT$ mn )|營業費用比率分析|( in NT$ mn)|
|項目|3Q18|3Q19|
|15,409|淨收益|35,120|35,886|
|營業費用|(14,674)|(15,409)|
|14,674|+5.0%|
|呆帳費用|(|淨|)|(4,143)|(2,578)|
|所得稅|(2,140)|(2,856)|
|3Q18|3Q19|
|淨利|14,163|15,043|
|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|
|43.15%|43.05%|42.94%|
|42.13%|41.78%|41.41%|
|11,724|12,347|12,004|11,654|12,228|
|10,928|
|4,944|5,080|5,189|4,971|5,213|5,225|
|2Q18|3Q18|2018|1Q19|2Q19|3Q19|

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

24

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一銀2019前三季資產品質

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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
497.39%
417.74% 450.10%
389.64%
321.54% 342.89%
297.73%
1.25% 1.28% 1.27% 1.27%
1.20% 1.21%
1.19%
逾放比 逾放金額 呆帳提存準備
0.40%
0.37%
0.35%
0.32% 0.31%
0.28%
0.26%
19,030 19,626 20,030 21,229 21,892 21,849 22,094
6,392 6,104 5,841 5,449 5,241 4,854 4,442
3M18 6M18 9M18 2018 3M19 6M19 9M19
----- 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」

25

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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.
Mortgage
SME
0.22% 0.23% 0.57% 0.52% 0.50% 0.50%
0.18% 0.17% 0.18% 0.36%
0.21%
0.22%
0.16% 0.17% 0.17%
0.36% 0.34% 0.35%
0.19%
0.19%
3Q18 4Q18 1Q19 2Q19 3Q19 3Q18 4Q18 1Q19 2Q19 3Q19
國內放款逾放比率 (in %) 海外放款逾放比率 (in %)
Domestic Overseas
0.38%
0.34% 0.33% 0.32%
0.28%
0.22% 0.23% 0.20%
0.14% 0.16%
3Q18 4Q18 1Q19 2Q19 3Q19 3Q18 4Q18 1Q19 2Q19 3Q19
----- 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

26

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一銀新增逾放與呆帳收回

876
1,770
1,468
1,482
2,544
3,238
1,205
2,822
4Q17
1Q18
2Q18
3Q18
季度新增逾放與轉銷數( in NT$ mn)
季度新增逾放(in NT$ mn）
季度
新增逾放
4Q18
1Q19
2Q19
3Q19
---國內
548
1,010
514
615
---海外
41
149
336
136
小計
589
1,159
850
751		 981
1,367
1,237
1,163
1,159
751
850
589
4Q18
1Q19
2Q19
3Q19
轉銷數
新增逾放
季度呆帳收回(in NT$ mn)
季度呆帳收回
4Q18
1Q19
2Q19
3Q19
---國內
897
492
726
673
---海外
15
5
9
104
---信用卡
13
12
12
13
小計
925
509
747
790
季度新增逾放(in NT$ mn）
季度
新增逾放
4Q18
1Q19
2Q19
3Q19
---國內
548
1,010
514
615
---海外
41
149
336
136
小計
589
1,159
850
751		 季度呆帳收回(in NT$ mn)
季度呆帳收回
4Q18
1Q19
2Q19
3Q19
---國內
897
492
726
673
---海外
15
5
9
104
---信用卡
13
12
12
13
小計
925
509
747
790
季度呆帳收回
4Q18
1Q19
2Q19
3Q19
---國內
897
492
726
673
---海外
15
5
9
104
---信用卡
13
12
12
13
小計
925
509
747
790
876
1,770
1,468
1,482
2,544
3,238
1,205
2,822
4Q17
1Q18
2Q18
3Q18
季度新增逾放與轉銷數( in NT$ mn)		 981
1,367
1,237
1,163
1,159
751
850
589
4Q18
1Q19
2Q19
3Q19
轉銷數
新增逾放
4Q17
1Q18
2Q18
3Q18

27

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一銀 2019前三季海外業務盈餘

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

3Q19 海外分行稅前獲利分析 ( in NT$ mn or %) 3Q19 全行稅前獲利分析 ( in NT$ mn or %)
8.75% 全行稅前獲利
38.78%
$17,899 mn
15.08%
國內市場 ;
55.58%
3Q19
OBU
海外稅前獲利
香港
13.54% $7,950 mn 大中華
北美
東協
9.23% 14.62% 其他 其他海外地區 ; 大中華 ( 含 OBU) ;
16.60% 27.82%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
40.37% 43.83% 44.34% 48.32% 44.89% 44.42%
31.57%
5,720
5,460 5,650 6,232
5,106 6,017
4,419
1,612 2,654 2,894 2,043 2,730 2,509 2,711
1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19
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28

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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 %)
139.14% CAR
131.31% 131.70%
121.35% 120.82% 121.03%
115.66%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
CAR
13.27% 12.82% 13.42% 13.21% 13.57% 13.22% 13.23%
Tier 1
10.95% 10.64% 11.25% 11.08% 11.58% 11.22% 11.31%
2H16 1H17 2H17 1H18 2H18 1H19 3Q19
2H16 1H17 2H17 1H18 2H18 1H19 3Q19
----- End of picture text -----

  • •3Q19 為自結數

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

29

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股利政策

2016
2017
2018
1.20
0.90
1.00
0.20
0.10
0.10
1.40
1.00
1.10
82.8%
72.0%
71.4%
1.40
1.00
1.10
1.25
1.42
1.401
2016
2017
2018
1.35
1.40
1.43
1.48
2014
2015
第一金控每股盈餘與股利派發( in NT$ dollar)
每股盈餘
股利		 1.40
1.00
1.10
1.25
1.42
1.401
2016
2017
2018
每股盈餘
股利
2014
2015
2014
2015		 2016
2017
2018
現金股利
0.70
0.95		 1.20
0.90
1.00
股票股利
0.65
0.45		 0.20
0.10
0.10
總計股利
1.35
1.40		 1.40
1.00
1.10
現金股利派發率
49.0%
64.2%		 82.8%
72.0%
71.4%
  1. 每股盈餘依年按增資股數後調整

30

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==> picture [89 x 58] intentionally omitted <==

附件

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第一金控綜合損益表

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FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)

FFHC Consolidated Statement of Comprehensive Income (in NT$ million or%) FFHC Consolidated Statement of Comprehensive Income (in NT$ million or%) FFHC Consolidated Statement of Comprehensive Income (in NT$ million or%) FFHC Consolidated Statement of Comprehensive Income (in NT$ million or%) FFHC Consolidated Statement of Comprehensive Income (in NT$ million or%)
Year-over-Year Comparison
Full Year Results
~~2016~~
~~2017~~
~~2018~~
Net interest income
28,801
29,993
30,268
Net service fee & commission
8,723
8,341
8,526
Net Insurance revenue
1,351
5,130
11,733
Gain on financial assets meas.
2,569
5,550
4,880
at fair value through P/L
Real estate investment gain
163
93
117
Gain on AFS financial assets
951
1,052
0		 ~~3Q18~~ ~~3Q19~~ ~~Change~~
22,653
6,473
9,222
4,010
80
0		 22,155
6,294
8,661
6,423
96
0		 -2.2%
-2.8%
-6.1%
60.2%
20.0%
#DIV/0!
Gain on financial assets at fair value #DIV/0!
through other compre. income
0
0
1,566		 1,555 1,492 -4.1%
Income from equity invest.
(75)
138
110		 94 98 4.3%
Excluding gainon fin.assetsmeasuredat amort.c
0
0
22		 0 0 #DIV/0!
Reserve of overlay approach 0
0
0		 0 6 #DIV/0!
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		 935
(170)
2,499
1,973
(39)
(46)
(90)
(54)
1,712
746
618
585
45,091
50,827
60,249
46,591
(2,244)
(6,772)
(5,486)
(4,178)
(871)
(4,560)
(11,153)
(8,778)
(21,779)
(21,347)
(22,906)
(16,973)
20,197
18,148
20,703
16,662
(2,913)
(2,716)
(3,370)
(2,321)
17,284
15,432
17,332
14,341
(2,354)
(1,038)
417
1,605
14,930
14,394
17,749
15,945
17,356
15,483
17,332
14,341
(72)
(51)
0
0
15,023
14,380
17,749
15,945
(93)
14
0
0
1.42
1.25
1.40
1.15		 1,973
(54)
585
46,591
(4,178)
(8,778)
(16,973)
16,662
(2,321)
14,341		 1,554
(4)
299
47,075
(2,643)
(8,293)
(17,666)
18,473
(3,096)
15,377		 -21.2%
-92.6%
-48.9%
1.0%
-36.7%
-5.5%
4.1%
10.9%
33.4%
7.2%
Other Items
Comprehensive Income		 1,605
15,945		 7,372
22,749		 359.3%
42.7%
Net Income attributed to:
Parent
Minorityinterests		 14,341
0		 15,377
0		 7.2%
-
Comprehensive Income attributed to:
Parent
Minorityinterests		 15,945
0		 22,749
0		 42.7%
-
EPS1(NT$)
1.15 1.23 7.0%

32

第一金控非合併損益表

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FFHC Standalone Income Statement Summary in NT$ million, NT$, or %

in NT$ million, NT$, or %
Full Year Results Year-over-Year Comparison
2016 2017 2018 3Q18 **3Q19 ** Change
Operating revenues
Income from long-term investment 17,857 15,693 17,904 14,558 15,697 7.8%
Other income1 242 246 227 220 187 -15.0%
Total revenues 18,099 15,939 18,131 14,778 15,884 7.5%
Loss from long-term investment (304) (53) (321) (92) 0 -100.0%
Operating expenses (338) (334) (356) (274) (295) 7.7%
Other expenses and losses (145) (118) (110) (59) (147) 149.2%
Income from continued op. before tax 17,312 15,434 17,344 14,352 15,442 7.6%
Income from continued op. after tax 17,356 15,483 17,332 14,341 15,377 7.2%
Income from discontinued op., net of tax 0 0 0 0 0 --
Net income 17,356 15,483 17,332 14,341 15,377 7.2%
EPS2(NT$) 1.42 1.25 1.40 1.15 1.23 7.0%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

33

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第一金控資產負債表
FFHC Balance Sheet Summary
in NT$ million or million shares
2016
2017
2018
Non-consolidated Balance Sheet Data
Long-term investment
203,834
205,970
217,409
Total non-consolidated assets
205,165
208,951
224,661
Total liabilities
13,390
17,168
19,358
Total shareholders' equity
191,775
191,783
205,303
Conolidated Balance Sheet Data
Total consolidated assets
2,541,156
2,634,059
2,935,204
Total liabilities
2,349,127
2,442,008
2,729,901
Total shareholders' equity
192,029
192,051
205,303
Parent's shareholders' equity
191,775
191,783
205,303
Minority interests
254
268
0
Current shares outstanding
119,769
122,164
123,386
*figures may not match due to rounding
Full Years Result**		 3Q18
3Q19 Change
215,511
228,216
5.9%
223,727
236,505
5.7%
20,228
20,792
2.8%
203,499
215,713
6.0%
2,882,678
3,016,430
4.6%
2,679,179
2,800,717
4.5%
203,499
215,713
6.0%
203,499
215,713
6.0%
0
0 #DIV/0!
123,386
124,619
1.0%
Year-over-Year Comparison

34

第一金控主要財務比率

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==> picture [36 x 242] intentionally omitted <==

FFHC Key Ratios

FFHC Key Ratios
Full Year Results
2016
2017
2018
3Q18
3Q19 Change
0.69%
0.60%
0.62%
0.69%
0.69%
0.0%
9.10%
8.04%
8.58%
9.51%
9.73%
2.3%
16.01
15.70
16.64
16.49
17.31
5.0%
119,769
122,164
123,386
123,386
124,619
1.0%
106.29%
107.40%
105.90%
105.90%
105.80%
-0.1%
139.14%
131.31%
131.70%
126.80%
121.03%
-4.6%
6.53%
8.24%
8.62%
9.04%
8.79%
-2.8%
Year-over-Year Comparison
3Q18 **3Q19 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.69%
9.51%
16.49
123,386
105.90%
126.80%
9.04%		 0.69%
9.73%
17.31
124,619
105.80%
121.03%
8.79%		 0.0%
2.3%
5.0%
1.0%
-0.1%
-4.6%
-2.8%

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

  2. Updated semi-annually.

  3. Unconsolidated basis

35

第一銀行損益表

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

2016
2017
2018
3Q18
3Q19
Change
Net interest income
27,797
28,843
28,669
21,469
20,843
-2.9%
Net fee income
8,035
7,457
7,563
5,712
5,689
-0.4%
Net gain on ST invest.
274
398
98
256
503
96.5%
Net gain on LT invest.
433
719
834
787
856
8.8%
Net gain on other fin. products
4,344
5,256
8,396
6,467
7,746
19.8%
Other net income
654
241
431
429
249
-42.0%
Net revenue
41,537
42,914
45,991
35,120
35,886
2.2%
Operating expenses
(18,963)
(18,466)
(19,863)
(14,674)
(15,409)
5.0%
Pre-provisiion pre-tax profit
22,574
24,448
26,128
20,446
20,477
0.2%
Provision expense
(4,396)
(9,621)
(8,480)
(6,236)
(4,624)
-25.8%
Adjustment: bad-debt recovery
2,346
2,782
3,017
2,093
2,046
-2.2%
Income before tax
20,524
17,609
20,665
16,303
17,899
9.8%
Income tax
(2,825)
(2,467)
(3,134)
(2,140)
(2,856)
33.5%
Net income
17,699
15,142
17,531
14,163
15,043
6.2%
Other items
(2,100)
(1,214)
513
1,601
6,579
310.9%
Comprehensive income
15,599
13,928
18,044
15,764
21,622
37.2%
EPS
1.99
1.70
1.97
1.59
1.69
0.06
Full Year Results
Year-over-Year Comparison		 2016
2017
2018
3Q18
3Q19
Change
Net interest income
27,797
28,843
28,669
21,469
20,843
-2.9%
Net fee income
8,035
7,457
7,563
5,712
5,689
-0.4%
Net gain on ST invest.
274
398
98
256
503
96.5%
Net gain on LT invest.
433
719
834
787
856
8.8%
Net gain on other fin. products
4,344
5,256
8,396
6,467
7,746
19.8%
Other net income
654
241
431
429
249
-42.0%
Net revenue
41,537
42,914
45,991
35,120
35,886
2.2%
Operating expenses
(18,963)
(18,466)
(19,863)
(14,674)
(15,409)
5.0%
Pre-provisiion pre-tax profit
22,574
24,448
26,128
20,446
20,477
0.2%
Provision expense
(4,396)
(9,621)
(8,480)
(6,236)
(4,624)
-25.8%
Adjustment: bad-debt recovery
2,346
2,782
3,017
2,093
2,046
-2.2%
Income before tax
20,524
17,609
20,665
16,303
17,899
9.8%
Income tax
(2,825)
(2,467)
(3,134)
(2,140)
(2,856)
33.5%
Net income
17,699
15,142
17,531
14,163
15,043
6.2%
Other items
(2,100)
(1,214)
513
1,601
6,579
310.9%
Comprehensive income
15,599
13,928
18,044
15,764
21,622
37.2%
EPS
1.99
1.70
1.97
1.59
1.69
0.06
Full Year Results
Year-over-Year Comparison		 2016
2017
2018
3Q18
3Q19
Change
Net interest income
27,797
28,843
28,669
21,469
20,843
-2.9%
Net fee income
8,035
7,457
7,563
5,712
5,689
-0.4%
Net gain on ST invest.
274
398
98
256
503
96.5%
Net gain on LT invest.
433
719
834
787
856
8.8%
Net gain on other fin. products
4,344
5,256
8,396
6,467
7,746
19.8%
Other net income
654
241
431
429
249
-42.0%
Net revenue
41,537
42,914
45,991
35,120
35,886
2.2%
Operating expenses
(18,963)
(18,466)
(19,863)
(14,674)
(15,409)
5.0%
Pre-provisiion pre-tax profit
22,574
24,448
26,128
20,446
20,477
0.2%
Provision expense
(4,396)
(9,621)
(8,480)
(6,236)
(4,624)
-25.8%
Adjustment: bad-debt recovery
2,346
2,782
3,017
2,093
2,046
-2.2%
Income before tax
20,524
17,609
20,665
16,303
17,899
9.8%
Income tax
(2,825)
(2,467)
(3,134)
(2,140)
(2,856)
33.5%
Net income
17,699
15,142
17,531
14,163
15,043
6.2%
Other items
(2,100)
(1,214)
513
1,601
6,579
310.9%
Comprehensive income
15,599
13,928
18,044
15,764
21,622
37.2%
EPS
1.99
1.70
1.97
1.59
1.69
0.06
Full Year Results
Year-over-Year Comparison
3Q19 Change
20,843
5,689
503
856
7,746
249
35,886
(15,409)
20,477
(4,624)
2,046
17,899
(2,856)
15,043		 -2.9%
-0.4%
96.5%
8.8%
19.8%
-42.0%
2.2%
5.0%
0.2%
-25.8%
-2.2%
9.8%
33.5%
6.2%
6,579
21,622		 310.9%
37.2%
1.69 0.06

36

第一銀行主要財務比率

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

FB Key Ratios

==> picture [501 x 275] intentionally omitted <==

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

Full Year Results Year-over-Year Comparison
2016 2017 2018 3Q18 3Q19 Change
Loan to deposit spread 1.65% 1.65% 1.64% 1.64% 1.60% -2.44%
Net Interest Margin 1.26% 1.26% 1.18% 1.20% 1.07% -10.83%
Cost to income ratio3 45.65% 43.03% 43.19% 41.85% 42.94% 2.60%
Loan to deposit ratio1 79.04% 79.28% 78.71% 76.58% 77.45% 1.14%
NPL ratio 0.20% 0.38% 0.32% 0.35% 0.26% -25.71%
LLR ratio (excluding gov. loan) 1.22% 1.38% 1.25% 1.21% 1.27% #REF!
Coverage ratio 625.14% 358.56% 389.64% 342.89% 497.39% 41006.61%
CAR 13.27% 13.42% 13.57% 13.69% 13.23% -96.14%
Tier-1 10.95% 11.25% 11.58% 11.67% 11.31% -17.38%
ROAA2 0.72% 0.60% 0.65% 0.71% 0.69% -94.09%
ROAE2 9.46% 7.91% 8.71% 9.40% 9.55% 1245.07%
----- End of picture text -----

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

  2. Annualized figures.

37

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

第一銀行資產品質

~~FB NPL Migration~~ in NT$ million or %


in		 g
NT$ million or %
2017
2018
Q1
Q2
Q3
3Q18
3Q19
Change
PL- beginning
3,035
6,114
5,449
5,241
4,854
6,114
5,449
-10.9%
Net new NPL influx
7,225
6,098
1,159
850
751
5,509
2,760
-49.9%
Domestic
6,744
5,394
1,010
514
615
4,846
2,139
-55.9%
Overseas
481
704
149
336
136
663
621
-6.3%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
PL- ending balance
6,114
5,449
5,241
4,854
4,442
5,841
4,442
-24.0%
lowance for loan loss- beginning
18,973
19,781
21,229
21,892
21,849
19,781
21,229
7.3%
Provisions for loan loss
7,429
7,919
1,859
1,151
1,441
5,744
4,451
-22.5%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
Others
(334)
292
171
43
(33)
287
181
-36.9%
lowance for loan loss- ending
21,922
21,229
21,892
21,849
22,094
20,030
22,094
10.3%
ecovery from bad debt
2,782
3,017
509
747
790
2,092
2,046
-2.2%
Domestic
2,533
2,895
492
726
673
1,998
1,891
-5.4%
Overseas
197
73
5
9
104
58
118
103.4%
Credit card
52
49
12
12
13
36
37
2.8%
Non-consolidated basis
NTD 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
2019 Quarterly
Full Year Results		 g
NT$ million or %
2017
2018
Q1
Q2
Q3
3Q18
3Q19
Change
PL- beginning
3,035
6,114
5,449
5,241
4,854
6,114
5,449
-10.9%
Net new NPL influx
7,225
6,098
1,159
850
751
5,509
2,760
-49.9%
Domestic
6,744
5,394
1,010
514
615
4,846
2,139
-55.9%
Overseas
481
704
149
336
136
663
621
-6.3%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
PL- ending balance
6,114
5,449
5,241
4,854
4,442
5,841
4,442
-24.0%
lowance for loan loss- beginning
18,973
19,781
21,229
21,892
21,849
19,781
21,229
7.3%
Provisions for loan loss
7,429
7,919
1,859
1,151
1,441
5,744
4,451
-22.5%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
Others
(334)
292
171
43
(33)
287
181
-36.9%
lowance for loan loss- ending
21,922
21,229
21,892
21,849
22,094
20,030
22,094
10.3%
ecovery from bad debt
2,782
3,017
509
747
790
2,092
2,046
-2.2%
Domestic
2,533
2,895
492
726
673
1,998
1,891
-5.4%
Overseas
197
73
5
9
104
58
118
103.4%
Credit card
52
49
12
12
13
36
37
2.8%
Non-consolidated basis
NTD 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
2019 Quarterly
Full Year Results		 g
NT$ million or %
2017
2018
Q1
Q2
Q3
3Q18
3Q19
Change
PL- beginning
3,035
6,114
5,449
5,241
4,854
6,114
5,449
-10.9%
Net new NPL influx
7,225
6,098
1,159
850
751
5,509
2,760
-49.9%
Domestic
6,744
5,394
1,010
514
615
4,846
2,139
-55.9%
Overseas
481
704
149
336
136
663
621
-6.3%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
PL- ending balance
6,114
5,449
5,241
4,854
4,442
5,841
4,442
-24.0%
lowance for loan loss- beginning
18,973
19,781
21,229
21,892
21,849
19,781
21,229
7.3%
Provisions for loan loss
7,429
7,919
1,859
1,151
1,441
5,744
4,451
-22.5%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
Others
(334)
292
171
43
(33)
287
181
-36.9%
lowance for loan loss- ending
21,922
21,229
21,892
21,849
22,094
20,030
22,094
10.3%
ecovery from bad debt
2,782
3,017
509
747
790
2,092
2,046
-2.2%
Domestic
2,533
2,895
492
726
673
1,998
1,891
-5.4%
Overseas
197
73
5
9
104
58
118
103.4%
Credit card
52
49
12
12
13
36
37
2.8%
Non-consolidated basis
NTD 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
2019 Quarterly
Full Year Results		 g
NT$ million or %
2017
2018
Q1
Q2
Q3
3Q18
3Q19
Change
PL- beginning
3,035
6,114
5,449
5,241
4,854
6,114
5,449
-10.9%
Net new NPL influx
7,225
6,098
1,159
850
751
5,509
2,760
-49.9%
Domestic
6,744
5,394
1,010
514
615
4,846
2,139
-55.9%
Overseas
481
704
149
336
136
663
621
-6.3%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
PL- ending balance
6,114
5,449
5,241
4,854
4,442
5,841
4,442
-24.0%
lowance for loan loss- beginning
18,973
19,781
21,229
21,892
21,849
19,781
21,229
7.3%
Provisions for loan loss
7,429
7,919
1,859
1,151
1,441
5,744
4,451
-22.5%
Net write-offs
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
Others
(334)
292
171
43
(33)
287
181
-36.9%
lowance for loan loss- ending
21,922
21,229
21,892
21,849
22,094
20,030
22,094
10.3%
ecovery from bad debt
2,782
3,017
509
747
790
2,092
2,046
-2.2%
Domestic
2,533
2,895
492
726
673
1,998
1,891
-5.4%
Overseas
197
73
5
9
104
58
118
103.4%
Credit card
52
49
12
12
13
36
37
2.8%
Non-consolidated basis
NTD 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
2019 Quarterly
Full Year Results
N
N
Al
Al
R		 2017
2018
Q1
Q2
Q3
3Q18
3Q19
Change
3,035
6,114
5,449
5,241
4,854
6,114
5,449
-10.9%
7,225
6,098
1,159
850
751
5,509
2,760
-49.9%
6,744
5,394
1,010
514
615
4,846
2,139
-55.9%
481
704
149
336
136
663
621
-6.3%
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
6,114
5,449
5,241
4,854
4,442
5,841
4,442
-24.0%
18,973
19,781
21,229
21,892
21,849
19,781
21,229
7.3%
7,429
7,919
1,859
1,151
1,441
5,744
4,451
-22.5%
(4,146)
(6,763)
(1,367)
(1,237)
(1,163)
(5,782)
(3,767)
-34.8%
(334)
292
171
43
(33)
287
181
-36.9%
21,922
21,229
21,892
21,849
22,094
20,030
22,094
10.3%
2,782
3,017
509
747
790
2,092
2,046
-2.2%
2,533
2,895
492
726
673
1,998
1,891
-5.4%
197
73
5
9
104
58
118
103.4%
52
49
12
12
13
36
37
2.8%
Year-over-Year Comparison
2019 Quarterly
Full Year Results
3Q19 Change
PL- beginning
Net new NPL influx
Domestic
Overseas
Net write-offs
PL- ending balance
lowance for loan loss- beginning
Provisions for loan loss
Net write-offs
Others
lowance for loan loss- ending
ecovery from bad debt
Domestic
Overseas
Credit card		 5,449
2,760
2,139
621
(3,767)
4,442
21,229
4,451
(3,767)
181
22,094
2,046
1,891
118
37		 -10.9%
-49.9%
-55.9%
-6.3%
-34.8%
-24.0%
7.3%
-22.5%
-34.8%
-36.9%
10.3%
-2.2%
-5.4%
103.4%
2.8%
1.
*

1. Non-consolidated basis

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

38

第一金證券營運報告

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

First Sec Income Statement Summary

in NT$ million or %

in NT$ million or %
2016
2017
2018
3Q18
3Q19
Change
Full Year Results
Year-over-Year Comparison
3Q19 Change
Brokerage commission
Net interest income
Underwriting commission
Transaction gains through F/V, net
Other operating income
Total operating income
Total operating expenses
Non-operating income
Income before tax
Income tax		 645
849
899
706
292
306
293
237
23
38
97
78
(12)
227
29
90
93
107
34
53
1,041
1,527
1,352
1,164
(1,288)
(1,301)
(1,260)
(960)
42
72
77
56
(205)
298
169
260
(24)
(26)
(55)
(46)		 556
162
25
168
86
997
(861)
68
204
(31)
Cummulative effect of change in
accounting principles		 0
0
0
0		 0
Net income (229)
272
114
214		 173
First Sec Key Ratios
ROAE (Annualized)
ROAA (Annualized)
Brokerage market share
Margin loan market share		 -3.65%
4.41%
1.82%
4.48%
-1.30%
1.55%
0.61%
1.37%
1.45%
1.53%
1.42%
1.43%
2.99%
2.94%
2.53%
2.56%		 3.67%
1.18%
1.41%
2.31%

39

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

第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

3Q19 Change
463
21
484
(419)
18
83
(15)
68
0		 -5.9%
250.0%
-2.8%
3.2%
80.0%
-18.6%
-25.0%
-18.1%
#DIV/0!
Net income
64
70
101
83		 68 -18.1%
y
FSITC Key Ratios
AUM
94,461
101,095
85,558
95,213
AUM Ranking
8
8
9
8		 107,486 12.9%
9
1. Non-consolidated basis

40

第一金人壽營運報告

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

First Life Financial Results Summary ~~in NT$ million or %~~
First Life Financial Results Summary
~~in NT$ million or %~~
2016
2017
2018
3Q18
3Q19
Change
Income Statement Summary
Operating Revenue
7,520
13,298
17,513
15,182
14,903
-1.8%
Premium Income
7,235
11,684
18,333
14,783
12,199
-17.5%
Other insurance income
244
277
312
237
204
-13.9%
Net Investment Income
41
1,337
(1,132)
162
2,500
1443.2%
Operating Cost
7,157
12,861
17,029
14,798
14,159
-4.3%
Reinsurance commission
37
40
49
35
43
22.9%
Reserves
(2,037)
4,566
8,746
8,602
8,202
-4.7%
Claims
8,502
7,419
7,122
5,328
5,146
-3.4%
Commission
586
711
930
699
626
-10.4%
Others
72
125
182
134
141
5.2%
Operating Expenses
(513)
(566)
(638)
(478)
(466)
-2.5%
Sales related expenses
(83)
(134)
(164)
(127)
(102)
-19.7%
Management expenses
(430)
(432)
(474)
(350)
(364)
4.0%
Other expense
0
0
0
0
0
#DIV/0!
Profit/Loss of Operation
(150)
(129)
(154)
(93)
278
-398.9%
Non-Operating Profit
0
0
0
0
0
#DIV/0!
Profit/Loss Before Tax
(150)
(129)
(154)
(93)
278
-398.9%
Income tax
3
26
13
3
(11)
-466.7%
Net Income after tax
(147)
(103)
(141)
(91)
267
-393.4%
Key Ratios
ROAE(Annualized ratio)
-23.91%
-19.39%
-12.94%
-10.54%
17.54%
-266.4%
ROAA(Annualized ratio)
-0.45%
-0.30%
-0.34%
-0.29%
0.70%
-341.4%
FFHC claims 51% of First-Aviva operating results in 2015,2016, and 2017.
Year-over-Year Comparison
Full Year Result*
  • FFHC claims 51% of First-Aviva operating results in 2015,2016, and 2017.

41

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

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

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