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First Financial Holding Co. Ltd. Interim / Quarterly Report 2020

Jun 2, 2020

52222_rns_2020-06-02_84dabbc8-eeef-4f23-a247-a95951021d6d.pdf

Interim / Quarterly Report

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第一金控 2020年第一季營運報告

Jun. 2, 2020

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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。

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Contents

  • 2020 年第一季業務摘錄

  • 財務資料

  • 營運成果

  • 附件

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2020 年第一季業務摘錄

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2020 年第一季重點摘錄

  • 2020 年第一季集團獲利為 NT$29.38 億 , 較去年同期下滑 38.9% :

2020 年第一季因總體經濟受新冠病毒疫情影響，銀行子公司淨利較去年同期下 降 29.7%, 為 NT$ 33.16 億元 , 而在全球陷入不安氣氛與封城等限制經濟活動下亦 使金融市場波動在 2020 年第一季加劇變化。

 第一季度表現 :

銀行第一季總放款成長較去年同期成長 +5.4% ，主係來自房貸 (+5.8%) 及中小 企業放款 (+6.4% ) 動能所致，使核心淨利收年成長為 +1.5% ，獲利下滑主要因素 係來自金融交易部門之資產持有部位市場評價損失，此較去年同期下滑 68.51% ，主係投資人大量拋售資產導致市場評價快速下跌所致。

 返台資金需求 / 投資潮將持續至 2020 下半年 :

由於台灣對新冠病毒疫情之控制與狀況已大幅超越歐洲及美國各地，在全球經 濟步上復甦前，有利於帶動新一波企業與個人返台投資 / 資金潮，預期將帶來後 新冠期尋求正常運作之企業 / 個人新一輪放款 / 投資理財需求。

 第一金每股擬配發新臺幣 1.05 元現金及 0.30 元股票：

第一金 2019 年度每股盈餘 1.55 元，擬提案配發新臺幣 1.05 元現金及 0.30 元股票 ，此待股東會表決通過。

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2020 年第一季財務資料

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2020 年第一季主要財務數字

6%
經營績效( in NT$ dollar, NT$ mn, mn shares or %)
1Q19
4,8101
8,891
3,053,557
0.39
17.36
123,386
9.16%
0.64%
125.24%
105.72%
1Q20
2,9381
(4,532)
3,211,987
0.24
17.27
124,619
5.40%
0.36%
124.90%
106.34%
YoY %
-38.9%
---
5.2%
-38.5%
-0.5%
1.0%
-41.1%
-43.8%
-0.3%
0.6%
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
2020年第一季獲利組合1( in NT$ mn) 6%
經營績效( in NT$ dollar, NT$ mn, mn shares or %)
1Q19
4,8101
8,891
3,053,557
0.39
17.36
123,386
9.16%
0.64%
125.24%
105.72%
1Q20
2,9381
(4,532)
3,211,987
0.24
17.27
124,619
5.40%
0.36%
124.90%
106.34%
YoY %
-38.9%
---
5.2%
-38.5%
-0.5%
1.0%
-41.1%
-43.8%
-0.3%
0.6%
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
銀行
NT$3,316; 112.9%
證券
NT$(96);-3.2%
投信
NT$11; 0.4 %
其他
NT$(312); -10.
人壽
NT$(14); -0.5%
AMC
NT$33; 1.1%

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.[資本適足率半年更新]

5.[雙重槓桿比率] =[股權投資] /[股東權益]

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2020 年第一季營運成果

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2020 年第一季合併淨利與綜合損益 (in NT$ mn)
↓ 12.8%
13,616
(983)
(3,391) ↓ 38.9%
(5,601)
(703)
2,938
(4,532)
淨收益 呆帳提存 保險準備 營業費用 所得稅 淨利 綜合損益
2019 年第一季合併淨利與綜合損益 (in NT$ mn)
15,621
(1,393)
(2,722)
(5,696)
8,891
(1,000) 4,810
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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2020 年第一季主要子公司 * 獲利表現 - 稅後淨利

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2020 年第一季稅後淨利 -- 主要子公司 (in NT$ mn)
↓ 29.7%
↓ 38.9%
3,316
2,938
11 33
(96) (14)
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 第一金控
--
2019 年第一季稅後淨利 主要子公司 (in NT$ mn)
4,810
4,715
53 21 43 39
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 第一金控
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  • 僅列示 5 家主要子公司

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2020 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
9.16% 9.70% 9.51% 8.58% 9.16% 9.52% 9.73% 9.11%
5.40%
19,369
17,332
14,341 15,377
9,605 9,914
4,592 4,810
2,938
3M18 6M18 9M18 2018 3M 19 6M 19 9M 19 2019 3M20
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
9.16% 9.34% 9.40% 8.70% 9.00% 9.34% 9.55% 8.97%
6.08%
19,035
17,562
14,163 15,043
9,243 9,708
4,562 4,715
3,316
3M 18 6M 18 9M 18 2018 3M 19 6M 19 9M 19 2019 3M 20
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一銀 2020 年第一季稅前獲利

2020年第一季累積淨收益(in NT$ mn or %)
 2020年第一季累積淨收益(in NT$ mn or %)
 2020年第一季累積淨收益(in NT$ mn or %)
 2020年第一季累積淨收益(in NT$ mn or %)
 2020年第一季累積淨收益(in NT$ mn or %)
 2020年第一季累積淨收益(in NT$ mn or %)
累積淨收益
-18.6%
12,021
9,784
1Q19
1Q20
項目
1Q19		 1Q20 Change
淨利收
57.3%		 71.6% +14.3%
淨手續費收益
15.1%		 18.0% +2.9%
投資收益/短投
0.6%		 0.1% -0.5%
投資收益/長投
0.8%		 1.0% +0.2%
投資收益/其他金融商品
25.9%		 9.3% -16.6%
其他
0.3%		 0.0% -0.3%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-11.5%		 -10.0% -1.5%
營業費用
-41.4%		 -49.3% +7.9%
2020年第一季一銀淨收益&費用比較( NT$mn ) 稅前獲利
47.1%		 40.7% -6.4%
  1. 毛提存費用 2. 2019 年第一季數字因一銀租賃組織重組而重編比較數字

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一銀 2020 年第一季總放款結構

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各類放款結構
2020 年第一季總放款 [1] (in NT$ bn or %)
項目 1Q19 1Q20 Change
消金放款 28.6% 28.9% +0.3%
1,801.5
房貸 26.5% 26.6% +0.1%
法金放款 71.4% 71.1% -0.3%
1,709.5 +5.4% 大企業放款 8.3% 8.5% +0.2%
中小企業放款 39.2% 39.6% +0.4%
外幣放款 23.7% 22.2% -1.5%
Book [1] (in NT$ bn or %)
--- 海外分行 14.3% 14.1% -0.2%
1Q19 1Q20
總放款 [1]
總放款 [1] 100% 100%
2020 年第一季總放款 [1] 結構 (in NT$ bn )
↑ 6.4%
712.5
669.7
↑ 5.8% 外幣↓ 1.4%
478.8
452.4
405.6 399.9
↑ 8.0%
海外
152.9 ↑ 4.0%
海外 海外
141.6 244.6 254.3 40.2 57.4
1Q19 1Q20 1Q19 1Q20 1Q19 1Q20 1Q19 1Q20 1Q19 1Q20
房屋貸款 大企業放款 中小企業放款 外幣放款 其他
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  1. 總放款不含催收款 ; 2. 中小企業放款依經濟部定義 3. 其他包含其他消費性貸款及政府及公營事業放款

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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) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn)
總放款 1,709.5 1,717.6 1,731.2 1,768.3 1,801.5 ↑1.9%
QoQ%
房屋貸款 452.4 459.3 465.3 474.2 478.8 房貸↑1.0%
中小企業放款 669.7 674.7 680.6 700.7 712.5 中小企業↑1.7%
大企業放款 141.6 144.9 143.9 152.7 152.9 大企業↑ 0.1%
外幣放款
其他		 ~~40.2~~
405.6		 ~~37.8~~
400.8		 ~~41.8~~
399.6		 ~~48.4~~
392.3		 ~~57.4~~
399.9		 外幣↑1.9%
1Q19 2Q19 3Q19 4Q19 1Q20

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一銀存放比、利差與淨利息收益率

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總放款 & 存放比 (in NT$ bn or % ) 總放款 [1] 存放比
76.62% 76.58% 78.71% 77.28% 78.12% 77.45% 76.56% NTD 80.1%
74.29%
F/X 65.7%
1,637.2 1,663.5 1,703.2 1,715.6 1,722.7 1,736.1 1,772.8 1,806.2
2Q18 3Q18 2018 1Q19 2Q19 3Q19 2019 1Q20
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.63% 1.64% 1.64% 1.62% 1.61% 1.60% 1.59%
1.51%
1.21% 1.20%
1.18%
1.08% 1.06% 1.07% 1.06%
1.01%
2Q18 3Q18 2018 1Q19 2Q19 3Q19 2019 1Q20
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  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

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一銀台外幣利差

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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 )
1.40%
1.39% 1.39%
1.38%
1.36%
1.82% 1.82% 1.81% 1.81% 1.79%
0.42% 0.43% 0.42% 0.43% 0.43%
1Q19 2Q19 3Q19 4Q19 1Q20
一銀外幣利差及成本分析 ( in % ) 存款利率 ( 外幣 ) 放款利率 ( 外幣 )
2.44%
2.39% 利差 ( 外幣 )
2.26%
2.18% 2.18%
4.05%
4.01% 3.82%
3.59% 3.50%
1.61% 1.62% 1.56% 1.41% 1.32%
1Q19 2Q19 3Q19 4Q19 1Q20
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  • 以上利率均為 季度加權平均數字

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一銀 2020 年第一季存款結構
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
608.8
568.1 +7.2%
67.87% 67.41% 67.13% 66.72%
△
2020 年第一
季總存款
$2,359.4 bn
+6.3% YoY
+6.0%
1,750.6
1,651.4
2018 1H19 2019 1Q20
1Q19 1Q20
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一銀特定產業貸放集中度

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-
2020 年第一季 特定貸放產業佔比
非製造業 (75.45%)
總授信餘額 . [1] : NT$1,915.0 bn
製造業 (24.55%) 旅館餐飲 2.31%
4.54% 塑化
批發零售 9.95%
5.45% 金屬
不動產
10.27%
4.40% 科技
運輸 4.10%
4.11% 機械 銀行保險 4.48%
其他(含房貸) 44.34%
6.05% 其他製造業
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. * 總放款不含催收款及投資

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一銀房貸分析

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房貸利率 & 房貸成數比 (in %) 一銀房貸分析 (in %)
新承作房貸成數比 房貸逾放比 : 0.18% (1Q20)
47% 大台北都會
平均房貸成數 平均房貸利率
東部
1.78% 1.78% 1.77% 1.76% 1.74% 4%
9%
64.86% 64.82% 64.85% 64.85% 65.18% 高屏
45.51% 45.60% 45.67% 45.77% 45.71%
台南 10%
19%
1Q19 2Q19 3Q19 2019 1Q20 桃竹苗
11% 大台中
近一年各月份新承作房貸金額 ↑4.3% (in NT$mn)
單月份新承作房貸金額
10,863
8,397 7,743 9,458 8,207 9,769 7,660 8,113 8,953 8,350 7,250 7,611 9,599
↑17.2%
3M19 4M19 5M19 6M19 7M19 8M19 9M19 10M19 11M19 12M19 1M20 2M20 3M20
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一銀 2020 年第一季淨手續費結構

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2020 年第一季累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 1Q19 1Q20 Change
財富管理 [1 ] 54.6% 55.5% +0.9%
1,814
1,756 放款相關 17.9% 20.4% +2.5%
外匯 11.0% 10.0% -1.0%
-3.2%
信用卡 5.0% 3.6% -1.4%
其他 [2] 11.5% 10.5% -1.0%
1Q19 1Q20
淨手續費收益 累積淨手續費收益 100.0% 100.0%
2020 年第一季累積淨手續費收益佔比 ( in NT$ mn )
↓ 1.6%
990 974
↓ 23.7% ↑ 10.5%
↓ 12.0%
325 359
200 ↑3.0%176 209 184
90 63
1Q19 1Q20 1Q19 1Q20 1Q19 1Q20 1Q19 1Q20 1Q19 1Q20
財富管理 [1] 放款相關 外匯 信用卡 其他 [2]
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  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

財富 管理 *

淨手續費收益(in NT$ mn)
放款相關
信用卡
外匯相關
每季淨手
續費收益
其他
*
基金銷售
保管
銀行保險		 567
514
476
562
633
297
89
96
90
100
117
108
337
325
317
296
365
359
228
200
196
206
176
106
90
98
86
99
63
175
209
187
227
224
184
490
532
525
569
349
380
218
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
1,851
1,814
1,876
1,999
2,169
1,756
↓ 19.0%
銀行保險
↓ 53.1%
基金銷售
↑8.4%
QoQ

  • 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 2020 年第一季營業費用比率

4,971
4,826
1Q19
1Q20
Operating Expense
2020年第一季累積營業費用(in NT$ mn )
-2.9%		 項目
1Q19
1Q20
淨收益
12,021
9,784
營業費用
(4,971)
(4,826)
呆帳費用(淨)
(1,383)
(974)
所得稅
(936)
(668)
淨利
4,731
3,316
營業費用比率分析( in NT$ mn)
季度營業費用&營業費用佔比( in NT$ mn or % )
營業費用
累積營業費用佔比
淨收益
10,928
12,021
11,654
12,228
11,427
9,784
5,189
4,971
5,213
5,225
5,425
4,826
2018
1Q19
2Q19
3Q19
2019
1Q20
43.16%
41.35%
43.05%
42.94%
44.03%
49.33%

22

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一銀 2020 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 逾放比 逾放金額 呆帳提存準備
497.39% 527.52% 525.79%
450.10%
389.64% 417.74%
342.89%
0.35%
0.32% 0.31%
0.28% 0.26%
0.24% 0.23%
20,030 21,229 21,892 21,849 22,094 22,414 21,408
5,841 5,449 5,241 4,854 4,442 4,249 4,072
9M18 2018 3M19 6M19 9M19 2019 3M20
1
個人 與房貸逾放比率 (in %) 大企業與中小企業逾放比 (in %)
個人
大企業
房貸
中小企業
0.25%
0.23% 0.22% 0.50% 0.50%
0.17% 0.18% 0.36% 0.42%
0.37%
0.17% 0.21% 0.19% 0.18%
0.17% 0.35%
0.19% 0.19% 0.03% 0.02%
1Q19 2Q19 3Q19 4Q19 1Q20 1Q19 2Q19 3Q19 4Q19 1Q20
----- End of picture text -----

  1. 個人 : 包含房貸及個人非房貸

23

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一銀 2020 年第一季海外業務盈餘

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

2020 年第一季海外分行稅前獲利分析 ( in NT$ mn or %) 2020 年第一季全行稅前獲利分析 ( in NT$ mn or %)
32.3%
17.3% 一銀 2020 年第一季
稅前獲利
國內市場 ;
$3,984 mn
大中華 64.83%
2020 年第一季
北美
海外稅前獲利
東協
$1,401 mn
30.2% 其他
其他海外地區 ; 大中華 ( 含 OBU) ;
20.2% 23.80% 11.37%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
43.83% 44.34% 48.32% 44.89% 44.42% 44.86%
35.17%
5,737 6,232
6,017
4,393 5,650
4,806
3.984
2,894 2,043 2,730 2,509 2,711 2,244 1,401
3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20
----- End of picture text -----

24

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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 %)
CAR
131.31% 131.70%
124.90%
121.35% 120.82% 118.70%
115.66%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
CAR
12.82% 13.42% 13.21% 13.57% 13.22% 13.00% 13.64%
Tier 1
11.25% 11.08% 11.58% 11.22% 11.11% 11.72%
10.64%
1H17 2H17 1H18 2H18 1H19 2H19 1Q20
1H17 2H17 1H18 2H18 1H19 2H19 1Q20
----- End of picture text -----

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

25

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股利政策

2015
2016
2017
2018
2019
現金股利
0.95
1.20
0.90
1.00
1.05
股票股利
0.45
0.20
0.10
0.10
0.30
總計股利
1.40
1.40
1.00
1.10
1.35
現金股利派發率
64.2%
84.5%
72.0%
71.9%
67.7%
1.40
1.40
1.00
1.10
1.35
1.48
1.39
1.42
1.25
1.551
2015
2016
2017
2018
2019
第一金控每股盈餘與股利派發( in NT$ dollar)
每股盈餘
股利
年度股利政策( in NT$ dollar )		 2015
2016
2017
2018
2019
現金股利
0.95
1.20
0.90
1.00
1.05
股票股利
0.45
0.20
0.10
0.10
0.30
總計股利
1.40
1.40
1.00
1.10
1.35
現金股利派發率
64.2%
84.5%
72.0%
71.9%
67.7%
1.40
1.40
1.00
1.10
1.35
1.48
1.39
1.42
1.25
1.551
2015
2016
2017
2018
2019
第一金控每股盈餘與股利派發( in NT$ dollar)
每股盈餘
股利
年度股利政策( in NT$ dollar )
1.40
1.40
1.00
1.10
1.35
1.48
1.39
1.42
1.25
1.551
2015
2016
2017
2018
2019
第一金控每股盈餘與股利派發( in NT$ dollar)
每股盈餘
股利
dollar)
每股盈餘
股利
年度股利政策( in
2015
2016
2017
2018
2019
現金股利 0.95
1.20
0.90
1.00
1.05
股票股利 0.45
0.20
0.10
0.10
0.30
總計股利 1.40
1.40
1.00
1.10
1.35
現金股利派發率 64.2%
84.5%
72.0%
71.9%
67.7%
  1. 每股盈餘依年按增資股數後調整

26

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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 %)

~~2017~~
~~2018~~
~~2019~~		 ~~2017~~
~~2018~~
~~2019~~		 ~~1Q19~~
~~1Q20~~
~~Change~~
Year-over-Year Comparison		 ~~1Q19~~
~~1Q20~~
~~Change~~
Year-over-Year Comparison		 ~~1Q19~~
~~1Q20~~
~~Change~~
Year-over-Year Comparison		 ~~1Q19~~
~~1Q20~~
~~Change~~
Year-over-Year Comparison
~~1Q19~~ ~~1Q20~~ ~~Change~~
Net interest income
29,993
30,268
29,604
Net service fee & commission
8,341
8,526
8,676
Net Insurance revenue
5,130
11,733
11,729
Gain on financial assets meas.
5,550
4,880
9,072
at fair value through P/L
Real estate investment gain
93
117
138
Gain on AFS financial assets
1,052
0
0
7,301
2,001
2,845
2,954
32
0		 7,467
1,999
3,506
(905)
39
0		 2.3%
-0.1%
23.2%
-130.6%
21.9%
--
Gain on financial assets at fair value
through other compre. income
0
1,566
1,505		 90 563 525.6%
Income from equity invest.
138
110
125		 41 41 0.0%
Excluding gain on fin. assets measuredat amort.c
0
22
40		 0 2 #DIV/0!
Reserve of overlay approach 0
0
(22)		 (4) 279 --
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
Consolidated net income		 (170)
2,499
1,147
(46)
(90)
(18)
746
618
322
50,827
60,249
62,318
(6,772)
(5,486)
(3,852)
(4,560)
(11,153)
(11,256)
(21,347)
(22,906)
(23,901)
18,148
20,703
23,309
(2,716)
(3,370)
(3,940)
15,432
17,332
19,369
(1,038)
417
7,399
14,394
17,749
26,768
15,483
17,332
19,369
(51)
0
0
14,380
17,749
26,768
14
0
0
1.24
1.39
1.55		 336
3
22
15,621
(1,393)
(2,722)
(5,696)
5,810
(1,000)
4,810		 633
(23)
16
13,616
(983)
(3,391)
(5,601)
3,641
(703)
2,938		 88.4%
-866.7%
-27.3%
-12.8%
-29.4%
24.6%
-1.7%
-37.3%
-29.7%
-38.9%
Other Items
Comprehensive Income		 4,081
8,891		 (7,470)
(4,532)		 -283.0%
-151.0%
Net Income attributed to:
Parent
Minorityinterests		 4,810
0		 2,938
0		 -38.9%
-
Comprehensive Income attributed to:
Parent
Minorityinterests		 8,891
0		 (4,532)
0		 -151.0%
-
EPS1(NT$)
0.39 0.24 -38.5%

28

第一金控非合併損益表

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

2017
2018
2019
1Q19
1Q20 Change
Operating revenues
Income from long-term investment
15,693
17,904
19,835
4,945
3,364
-32.0%
Other income1
246
227
190
4
2
-50.0%
Total revenues
15,939
18,131
20,025
4,949
3,366
-32.0%
oss from long-term investment
(53)
(321)
0
0
(305)
-
Operating expenses
(334)
(356)
(389)
(87)
(70)
-19.5%
Other expenses and losses
(118)
(110)
(202)
(52)
(53)
1.9%
come from continued op. before tax
15,434
17,344
19,434
4,810
2,938
-38.9%
come from continued op. after tax
15,483
17,332
19,369
4,810
2,938
-38.9%
come from discontinued op., net of tax
0
0
0
0
0
--
et income
15,483
17,332
19,369
4,810
2,938
-38.9%
PS2(NT$)
1.24
1.39
1.55
0.39
0.24
-38.5%
Full Year Results
Year-over-Year Comparison		 2017
2018
2019
1Q19
1Q20 Change
Operating revenues
Income from long-term investment
15,693
17,904
19,835
4,945
3,364
-32.0%
Other income1
246
227
190
4
2
-50.0%
Total revenues
15,939
18,131
20,025
4,949
3,366
-32.0%
oss from long-term investment
(53)
(321)
0
0
(305)
-
Operating expenses
(334)
(356)
(389)
(87)
(70)
-19.5%
Other expenses and losses
(118)
(110)
(202)
(52)
(53)
1.9%
come from continued op. before tax
15,434
17,344
19,434
4,810
2,938
-38.9%
come from continued op. after tax
15,483
17,332
19,369
4,810
2,938
-38.9%
come from discontinued op., net of tax
0
0
0
0
0
--
et income
15,483
17,332
19,369
4,810
2,938
-38.9%
PS2(NT$)
1.24
1.39
1.55
0.39
0.24
-38.5%
Full Year Results
Year-over-Year Comparison		 2017
2018
2019
1Q19
1Q20 Change
Operating revenues
Income from long-term investment
15,693
17,904
19,835
4,945
3,364
-32.0%
Other income1
246
227
190
4
2
-50.0%
Total revenues
15,939
18,131
20,025
4,949
3,366
-32.0%
oss from long-term investment
(53)
(321)
0
0
(305)
-
Operating expenses
(334)
(356)
(389)
(87)
(70)
-19.5%
Other expenses and losses
(118)
(110)
(202)
(52)
(53)
1.9%
come from continued op. before tax
15,434
17,344
19,434
4,810
2,938
-38.9%
come from continued op. after tax
15,483
17,332
19,369
4,810
2,938
-38.9%
come from discontinued op., net of tax
0
0
0
0
0
--
et income
15,483
17,332
19,369
4,810
2,938
-38.9%
PS2(NT$)
1.24
1.39
1.55
0.39
0.24
-38.5%
Full Year Results
Year-over-Year Comparison		 2017
2018
2019
1Q19
1Q20 Change
Operating revenues
Income from long-term investment
15,693
17,904
19,835
4,945
3,364
-32.0%
Other income1
246
227
190
4
2
-50.0%
Total revenues
15,939
18,131
20,025
4,949
3,366
-32.0%
oss from long-term investment
(53)
(321)
0
0
(305)
-
Operating expenses
(334)
(356)
(389)
(87)
(70)
-19.5%
Other expenses and losses
(118)
(110)
(202)
(52)
(53)
1.9%
come from continued op. before tax
15,434
17,344
19,434
4,810
2,938
-38.9%
come from continued op. after tax
15,483
17,332
19,369
4,810
2,938
-38.9%
come from discontinued op., net of tax
0
0
0
0
0
--
et income
15,483
17,332
19,369
4,810
2,938
-38.9%
PS2(NT$)
1.24
1.39
1.55
0.39
0.24
-38.5%
Full Year Results
Year-over-Year Comparison
1Q19 **1Q20 ** Change
4,945
4
4,949
0
(87)
(52)
4,810
4,810
0
4,810
0.39		 3,364
2
3,366
(305)
(70)
(53)
2,938
2,938
0
2,938
0.24		 -32.0%
-50.0%
-32.0%
-
-19.5%
1.9%
-38.9%
-38.9%
--
-38.9%
-38.5%

Including income other than long-term investment EPS is adjusted retroactively for stock dividends

29

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第一金控資產負債表

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

Full Years Result Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q19 **1Q20 ** Change
Long-term investment
205,970
217,409
232,876
Total non-consolidated assets
208,951
224,661
241,223
Total liabilities
17,168
19,358
21,490
Total shareholders' equity
191,783
205,303
219,733
Conolidated Balance Sheet Data
Total consolidated assets
2,634,059
2,935,204
3,206,767
Total liabilities
2,442,008
2,729,901
2,987,034
Total shareholders' equity
192,051
205,303
219,733
Parent's shareholders' equity
191,783
205,303
219,733
Minority interests
268
0
0		 226,454
233,420
19,226
214,194
3,053,557
2,839,363
214,194
214,194
0		 228,854
237,071
21,871
215,200
3,211,987
2,996,787
215,200
215,200
0		 1.1%
1.6%
13.8%
0.5%
5.2%
5.5%
0.5%
0.5%
#DIV/0!
Current shares outstanding**
122,164
123,386
124,619		 123,386 124,619 1.0%

*figures may not match due to rounding

30

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一 第 金控主要財務比率

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FFHC Key Ratios

FFHC Key Ratios
2017
2018
2019
0.60%
0.62%
0.63%
8.04%
8.58%
9.11%
15.70
16.64
17.63
122,164
123,386
124,619
107.40%
105.90%
105.98%
131.31%
131.70%
118.71%
8.24%
8.62%
8.91%
Full Year Results		 Year-over-Year Comparison
1Q19 **1Q20 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.64%
9.16%
17.36
123,386
105.72%
125.24%
8.24%		 0.36%
5.40%
17.27
124,619
106.34%
124.90%
9.23%		 -43.8%
-41.0%
-0.5%
1.0%
0.6%
-0.3%
12.0%

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

  2. Updated semi-annually.

  3. Unconsolidated basis

31

第一銀行損益表

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

FB Comprehensive Income Statement Summary(Standalone)
in NT$ million or %
Full Year Results Year-over-Year Comparison
2017
2018
2019
Net interest income
28,843
28,669
27,832
Net fee income
7,457
7,563
7,858
Net gain on ST invest.
398
98
515
Net gain on LT invest.
719
834
903
Net gain on other fin. products
5,256
8,396
9,932
Other net income
241
462
273
Net revenue
42,914
46,022
47,313
Operating expenses
(18,466)
(19,863)
(20,834)
Pre-provisiion pre-tax profit
24,448
26,159
26,479
Provision expense
(9,621)
(8,480)
(6,655)
Adjustment: bad-debt recovery
2,782
3,017
2,898
Income before tax
17,609
20,696
22,722
Income tax
(2,467)
(3,134)
(3,688)
Netincome
15,142
17,562
19,035
Other items
(1,214)
503
6,450
Comprehensiveincome
13,928
18,065
25,485
EPS
1.70
1.97
2.14		 1Q19 1Q20 Change
6,897
1,814
68
93
3,113
36
12,021
(4,971)
7,050
(1,892)
509
5,667
(936)
4,731		 7,001
1,756
12
98
920
(3)
9,784
(4,826)
4,958
(1,658)
684
3,984
(668)
3,316		 1.5%
-3.2%
-82.4%
5.4%
-70.4%
-108.3%
-18.6%
-2.9%
-29.7%
-12.4%
34.4%
-29.7%
-28.6%
-29.9%
3,829
8,560		 (6,166)
(2,850)		 -261.0%
-133.3%
0.53 0.37 (0.30)

*Restated figures for year of 1Q19 due to reorganization.

32

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第一銀行主要財務比率
FB Key Ratios
~~Fll Y Rlt~~ ~~YY Ci~~
~~u ear esus~~ 1Q19
1Q20
Change
1.62%
1.51%
-6.79%
1.08%
1.01%
-6.48%
41.35%
49.33%
19.30%
77.28%
76.56%
-0.93%
0.31%
0.23%
-25.81%
0.33%
0.27%
-18.18%
0.20%
0.06%
-70.00%
1.28%
1.20%
-6.25%
417.74%
525.79%
25.87%
13.68%
13.64%
-0.29%
11.72%
11.72%
0.00%
0.64%
0.44%
-31.25%
9.00%
6.08%
-32.44%
~~ear-over-ear omparson~~
2017
2018
2019
1.65%
1.64%
1.59%
1.26%
1.18%
1.06%
43.03%
43.19%
44.02%
79.28%
78.71%
74.29%
0.38%
0.32%
0.24%
0.46%
0.34%
0.28%
0.05%
0.23%
0.08%
1.38%
1.25%
1.27%
358.56%
389.64%
527.52%		 1Q19 1Q20
Loan to deposit spread
Net Interest Margin
Cost to income ratio3
Loan to deposit ratio1
NPL ratio
Domestic NPL ratio
Overseas NPL ratio
LLR ratio (excluding gov. loan)
Coverage ratio		 1.62%
1.08%
41.35%
77.28%
0.31%
0.33%
0.20%
1.28%
417.74%		 1.51%
1.01%
49.33%
76.56%
0.23%
0.27%
0.06%
1.20%
525.79%
CAR
Tier-1		 13.42%
13.57%
13.00%
11.25%
11.58%
11.11%		 13.68%
11.72%		 13.64%
11.72%
ROAA2
0.60%
0.65%
0.64%
ROAE2
7.91%
8.71%
8.97%
1. Loan to depoist ratio = total loan / total deposit
2. Annualized figures.		 0.64%
9.00%		 0.44%
6.08%

33

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第一銀行資產品質

FB NPL Migration in NT$ million or %

2018
2019
6,114
5,449
6,098
4,132
5,394
3,210
704
922
(6,763)
(5,332)
5,449
4,249
19781
21,229
7,919
6,439
(6,763)
(5,332)
292
78
21,229
22,414
3,017
2,897
2,895
2,684
73
164
49
49
Full Year Results*		 Q1
Q2
Q3
Q4
5,449
5,241
4,854
4,442
1,159
850
751
1,372
1,010
514
615
1,071
149
336
136
301
(1,367)
(1,237)
(1,163)
(1,565)
5,241
4,854
4,442
4,249
21,229
21,892
21,849
22,094
1,859
1,151
1,441
1,988
(1,367)
(1,237)
(1,163)
(1,565)
171
43
(33)
(103)
21,892
21,849
22,094
22,414
509

747
790
851
492
726
673
793
5
9
104
46
12
12
13
12
2019 Quarterly		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q19 1Q20 Change
NPL- beginning
Net new NPL influx
Domestic
Overseas
Net write-offs
NPL- ending balance
Allowance for loan loss- beginning
Provisions for loan loss
Net write-offs
Others
Allowance for loan loss- ending
Recovery from bad debt
Domestic
Overseas
Credit card		 5,449
1,159
1,010
149
(1,367)
5,241
21,229
1,859
(1,367)
171
21,892
509
492
5
12		 4,249
2,463
2,419
44
(2,640)
4,072
22,414
1,628
(2,640)
6
21,408
684

670
1
13		 -22.0%
112.5%
139.5%
-70.5%
93.1%
-22.3%
5.6%
-12.4%
93.1%
-96.5%
-2.2%
34.4%
36.2%
-80.0%
8.3%

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

34

第一金證券營運報告

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First Sec Income Statement Summary

in NT$ million or %

2017
2018
2019
Full Year Results		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q19 1Q20 Change
63.9%
3.9%
250.0%
-258.6%
146.2%
-29.7%
18.2%
-54.2%
-251.6%
-77.8%
#DIV/0!
-281.1%
-277.6%
-266.7%
2.2%
3.1%
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		 849
899
777
306
293
220
38
97
45
227
29
270
107
34
89
1,527
1,352
1,401
(1,301)
(1,260)
(1,172)
72
77
86
298
169
315
(26)
(55)
(43)		 158
51
4
87
13
313
(275)
24
62
(9)		 259
53
14
(138)
32
220
(325)
11
(94)
(2)
Cummulative effect of change in
accounting principles		 0
0
0		 0 0
Netincome 272
114
272		 53 (96)
First Sec Key Ratios
ROAE (Annualized)
ROAA (Annualized)
Brokerage market share
Margin loan market share		 4.41%
1.81%
4.28%
1.55%
0.61%
1.32%
1.53%
1.42%
1.39%
2.94%
2.53%
2.29%		 3.40%
1.08%
1.35%
2.26%		 -6.04%
-1.80%
1.38%
2.33%

35

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q19 1Q20 Change
155
7
162
(143)
8
26
(5)
21
0		 135
13
148
(130)
(3)
15
(4)
11
0		 -12.9%
85.7%
-8.6%
-9.1%
-137.5%
-42.3%
-20.0%
-47.6%
#DIV/0!
Netincome
70
101
86		 21 11 -47.6%
y
FSITC Key Ratios
AUM
101,095
85,558
105,042
AUM Ranking
8
9
10		 106,158
7		 93,565 -11.9%
11
  1. Non-consolidated basis

36

第一金人壽營運報告

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~~First Life Financial Results Summary~~ in NT$ million or %

in NT$ million or %
Full Year Result Year-over-Year Comparison
1Q19 1Q20 Change
3,458
3,195
71
192
3,259		 4,276
4,005
66
205
4,116		 23.7%
25.4%
-7.0%
6.8%
26.3%
Reinsurance commission
40
49
59
Reserves
4,566
11,192
11,304
Claims
7,419
851
1,329
Commission
711
930
873
Others
125
0
0		 14
2,731
319
195
0		 16
3,401
465
234
0		 14.3%
24.5%
45.8%
20.0%
#DIV/0!
Operating Expenses
(566)
(638)
(655)
Profit/Loss of Operation
(129)
(154)
215
Non-Operating Profit
0
0
0		 (151)
48
0		 (186)
(26)
(2)		 23.2%
-154.2%
#DIV/0!
Profit/Loss Before Tax
(129)
(154)
215
Income tax
26
13
29
Net Income after tax
(103)
(141)
244
Key Ratios
ROAE(Annualized ratio)
-19.39%
-13.46%
10.44%
ROAA(Annualized ratio)
-0.30%
-0.34%
0.47%		 48
(5)
43
9.60%
0.36%		 (28)
14
(14)
-2.16%
-0.08%		 -158.3%
-380.0%
-132.6%
-122.5%
-122.2%
  • FFHC claims 51% of First-Aviva operating results in 2015,2016, and 2017.

37

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Q&A

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