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First Financial Holding Co. Ltd. Interim / Quarterly Report 2022

Dec 13, 2022

52222_rns_2022-12-13_27ae4113-2f85-453d-ad93-3170033f3794.pdf

Interim / Quarterly Report

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元富證券台股企業日 第一金控2022年第三季營運報告

Dec. 14, 2022 台北

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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

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內容

  • 公司簡介

  • 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.

2022/9 ( 資料來源 : 銀行局 )

  • 存款市佔率 6.03%

  • 放款市佔率 6.00%  金控資產排名 第 8  中小企業放款 第 1(9.77%)  銀行通路 187 國內 45 海外

( 銀行 41, 證券 1, 租賃 3)

財務摘要

$mn, except per
share amounts		 2019 2020 2021 3Q22
淨收益 62,318 59,568 62,604 52,200
淨利 19,369 16,808 19,739 16,428
EPS 1.49 1.30 1.52 1.24
ROAE (annualized) 9.11% 7.62% 8.86% 9.94%

2022 年第三季績效 ( 自結 )

in NT$ mn
淨利 16,023
淨利 408
淨利 51
淨利 147

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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 第一金控股權結構 第一金控股權結構
5
政府(直接18.94%;間接: 5.83%) 24.77%
其他: 50.73%
外國機構法人:
24.50%基準日：2022/4/19 (資料來源：第一金控年報)

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2022 年第三季業 務摘錄

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迎接2023年之挑戰

  • 市場震盪下第一金截至第三季之獲利與去年同期幾追平 :

總計2022年前三季集團獲利為新台幣164.28億元(-0.6%,YoY)，在市場震盪變化下 表現接近去年同期水準，主要係來自子公司一銀的表現佳績。。

  • 第一銀行放款成長優異表現較去年同期成長 +11.8% ，強化淨利收與放款相關手續費 收入，而第三季的台美利差擴大，亦帶動此波資金移動的動能 :

  • 放款業務在第三季外幣放款的推升下，達到年成長雙位數的成績，提升淨利收成長 ，同一時期，外幣換匯交易商品利得，亦再次重現交易市場。

  • 非銀行子公司獲利在 2022 年第三季均較去年同期減降 :

證券與保險子公司2022年前三季獲利均受到市場波動影響，投資人轉向擁抱高報酬 固定利收產品以降低風險。

2023 年是一挑戰年度 :

疫後經濟需要時間恢復原本的平衡與常態，故集團將積極在此調整期間中機動應變 ，聚焦在核心業務以平衡風險管理與成長機會。

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2022 年第三季財務資料

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2022年前三季主要財務數字

銀行
NT$16,023; 97.5%
證券
NT$408;2.5%
投信
NT$51; 0.3 %
其他
NT$(314); -1.9
人壽
NT$147; 0.9%
2022年前三季獲利組合1 ( in NT$ mn)
AMC
NT$113; 0.7%		 %
經營績效( in NT$ 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
3Q22
16,4281
5,833
4,028,407
1.24
16.44
132,234
9.91%
0.56%
123.80%
109.33%
YoY %
-0.6%
-56.5%
+11.1%
-0.9%
-4.5%
+2.0%
-0.1%
-8.2%
-1.4%
+1.9%
3Q21
16,5211
13,401
3,625,891
1.25
17.21
129,642
9.92%
0.61%
125.18%
107.41%

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]

2.[淨應收款] ([應收] -[應付] )[合併計入資產項目，並回溯調整] 2020[年之數字] 3.[年化後數字]

4.[自結數] 5.[雙重槓桿比率] =[股權投資] /[股東權益]

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2022年前三季營運成果

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2022 年前三季合併淨利與綜合損益 (in NT$ mn)
↑ 10.1%
(3,730)
52,200 (9,099)
(19,968)
↓ 0.6%
↓ 56.5%
(2,974)
16,428
5,833
淨收益 呆帳提存 保險準備 營業費用 所得稅 淨利 綜合損益
2021 年前三季合併淨利與綜合損益 (in NT$ mn)
(1,861)
47,397 (7,220)
(18,852)
(2,943)
16,521
13,401
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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2022年前三季主要子公司*獲利表現 - 稅後淨利

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2022 年前三季稅後淨利 -- 主要子公司 (in NT$ mn)
↓ 0.6%
↑ 8.4%
16,428
16,023
408 51 147 113
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
2021 年前三季稅後淨利 -- 主要子公司 (in NT$ mn)
16,521
14,779
1,192 80 577 108
First Bank First Securities FSITC First Life AMC FFHC
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  • 僅列示 5 家主要子公司

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2022 年第三季營運成果

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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
8.19% 7.62% 9.04% 9.70% 9.92% 8.86% 8.68% 9.36% 9.91%
1
9
13,378 16,808 5,029 10,913 16,52115377,369,293,8764,13378,16808,5029,10913, 19,739 4,944 10,236 16,428
8
9M20 2020 3M21 6M21 9M21 2021 3M22 6M22 9M22
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
7.75% 7.16% 7.96% 8.70% 8.92% 7.97% 8.48% 9.16% 9.53%
17,652
15,683 14,779 16,023
12,605
9,491 10,123
4,402 4,817
9M20 2020 1Q21 2Q21 3Q21 2021 3M22 6M22 9M22
1 9 2 1
9 M 6 M
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一銀 2022年前三季稅前獲利

2022年前三季累積淨收益(in NT$ mn or %) 2022年前三季累積淨收益(in NT$ mn or %) 2022年前三季累積淨收益(in NT$ mn or %) 2022年前三季累積淨收益(in NT$ mn or %) 2022年前三季累積淨收益(in NT$ mn or %) 2022年前三季累積淨收益(in NT$ mn or %)
累積淨收益
+12.4%
35,178
39,549
3Q21
3Q22
項目
3Q21		 3Q22 Change
淨利收
66.9%		 67.8% +0.9%
淨手續費收益
16.4%		 15.4% -1.0%
投資收益/短投
2.8%		 3.5% +0.7%
投資收益/長投
1.9%		 2.4% +0.5%
投資收益/其他金融商品
10.7%		 9.9% -0.8%
其他
1.2%		 1.0% -0.2%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-5.2%		 -9.3% +4.1%
營業費用
-45.3%		 -43.8% -1.5%
2022年前三季淨收益&費用比較(in NT$ mn ) 稅前獲利
49.5%		 46.9% -2.6%
  1. 毛提存費用

14

一銀 2022年第三季放款結構

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2022年第三季總放款1 (in NT$ bn or %)
總放款1
2,028.6
2,267.3
3Q21
3Q22
+11.8%
項目
3Q21
3Q22
Change
消金放款
28.5%
28.2%
-0.3%
房貸
25.0%
24.8%
-0.2%
其他消金
3.5%
3.4%
-0.1%
法金放款
71.5%
71.8%
+0.3%
大企業放款
8.3%
9.9%
+1.6%
中小企業放款2
41.8%
39.9%
-1.9%
外幣放款
19.6%
20.5%
+0.9%
--- 海外分行
11.6%
13.2%
+1.6%
政府公營
1.8%
1.5%
-0.3%
總放款1
100.0%
100.0%
2022年第三季總放款1結構(in NT$ bn )
房屋貸款
大企業放款
外幣放款
其他3
中小企業放款2
561.5
224.6
905.2
110.3
168.7
506.4
848.4
398.0
107.1
465.7
↑10.9%
F/X↑17.0%
↑33.1%
Overseas
235.8
Overseas
298.9
Overseas↑26.8%
other consume
loan 77.2 bn
3Q213Q22
3Q21 3Q22
3Q21 3Q22 3Q21 3Q22 3Q21 3Q22
↑6.7%

  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

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一銀放款結構 -季度比較

一銀放款成長(in NT$ bn)
2,028.6
2,041.1
2,123.9
2,231.8
2,267.3
QoQ%
↑1.6%
房屋貸款↑2.0%
中小企業放款↑1.1%
大企業放款↑10.7%
外幣放款↑4.7%
107.1
89.1
131.2
138.0
110.3
398.0
385.4
418.8
444.8
465.7
168.7
177.2
174.9
202.9
224.6
848.4
866.5
864.5
895.4
905.2
506.4
522.9
534.6
550.7
561.5
3Q21
4Q21
1Q22
2Q22
3Q22
中小企業放款
房屋貸款
外幣放款
大企業放款
其他
總放款		 2,028.6
2,041.1
2,123.9
2,231.8
2,267.3
QoQ%
↑1.6%
房屋貸款↑2.0%
中小企業放款↑1.1%
大企業放款↑10.7%
外幣放款↑4.7%
107.1
89.1
131.2
138.0
110.3
398.0
385.4
418.8
444.8
465.7
168.7
177.2
174.9
202.9
224.6
848.4
866.5
864.5
895.4
905.2
506.4
522.9
534.6
550.7
561.5
3Q21
4Q21
1Q22
2Q22
3Q22

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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
71.04% 70.76% 71.89% 71.66% 69.55% 69.68% 72.16% 73.00% 台幣 84.3%
外幣 47.7%
1,914.4 1,952.1 2,010.5 2,032.5 2,045.2 2,128.3 2,236.2 2,271.5
2020 1Q21 2Q21 3Q21 2021 1Q22 2Q22 3Q22
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.44% 1.46%
1.40% 1.39% 1.40% 1.40% 1.41% 1.40%
1.00% 0.98% 0.99% 1.00% 1.01% 1.02% 1.04% 1.02%
2020 1Q21 2Q21 3Q21 2021 1Q22 2Q22 3Q22
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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
一銀台幣利差及成本分析 ( in % ) 存款利率 ( 台幣 ) 放款利率 ( 台幣 )
利差 ( 台幣 )
1.38%
1.31%
1.27% 1.27% 1.26%
1.88%
1.70%
1.53% 1.53% 1.53%
0.50%
0.39%
0.26% 0.26% 0.27%
3Q21 4Q21 1Q22 2Q22 3Q22
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 )
2.51%
2.23%
2.01% 2.01% 2.03%
3.81%
2.79%
2.29% 2.34%
2.28%
1.30%
0.56%
0.28% 0.27% 0.31%
3Q21 4Q21 1Q22 2Q22 3Q22
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  • 以上利率均為 季度加權平均數字

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一銀存款結構
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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
975.3
+23.9%
787.3
△
2022 年第三
73.39%
季總存款 71.56% 70.99% 70.34%
$3,111.4 bn
+9.7% YoY
2,049.1 2,136.1
+4.2%
1H21 2021 1H22 3Q22
3Q21 3Q22
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一銀特定產業貸放集中度

2022 年第三季 - 特定貸放產業佔比

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非製造業 (76.20%)
總授信餘額 [1 ] : NT$2,421.4bn
製造業 (23.80%) 旅館餐飲 1.96%
4.44% 塑化 營造 3.31%
批發零售 10.37%
5.99% 金屬
不動產 12.82%
4.21% 科技
運輸 2.97%
3.74% 機械
銀行保險 5.14%
5.42% 其他製造業
其他(含房貸) 39.63%
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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 %)
房貸逾放比 : 0.08% (3Q22)
新承作房貸成數 45% 北北基
平均房貸成數 平均房貸利率
宜蘭花東
1.84% 3%
1.69%
1.45% 1.44% 1.44%
10%
64.74% 64.66% 64.45% 64.49% 64.51% 高屏
45.74% 46.03% 46.05% 46.34% 46.49%
20%
桃竹苗
雲嘉南 10%
3Q21 2021 1Q22 2Q22 3Q22
中彰投 12%
近一年各月份新承作房貸金額 ↑4.3% (in NT$mn) 月份新承作房貸金額
39,819
33,134
25,132 15,803
10,697 10,971 12,822 13,916 13,252 14,623 11,944 11,517 10,743 10,874
8,223 7,963 8,946 7,765
7M21 8M21 9M21 10M21 11M21 12M21 1M22 2M22 3M22 4M22 5M22 6M22 7M22 8M22 9M22
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一銀2022年前三季淨手續費結構

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2022 年前三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 3Q21 3Q22 Change
6,088 財富管理 [1 ] 55.6% 52.4% -3.2%
放款相關 21.7% 25.2% +3.5%
外匯 9.4% 8.9% -0.5%
+5.4%
5,776
信用卡 4.2% 4.4% +0.2%
其他 [2] 9.1% 9.1% 0.0%
3Q21 3Q22
Net Fee Income 累積淨手續費收益 100.0% 100.0%
2022 年前三季累積淨手續費收益 (in NT$ mn)
↓ 0.7%
3,192
3,214
↑ 22.4%
1,534
1,253
↑ 11.7%
545 540 524 554
240 268
3Q21 3Q22 3Q21 3Q22 3Q21 3Q22 3Q21 3Q22 3Q21 3Q22
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

22

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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) 淨手續費收益(in NT$ mn) 淨手續費收益(in NT$ mn)
每季淨手續 2,004 2,193 2,118 2,101 1,869 ↓11.0
QoQ
費收益
其他
*		 185 110
218		 89
191		 92
165
信用卡
外匯相關		 182
90		 195 173 192 87
197
175
放款相關 460 511 517 565 452
保管
銀行保險		 395
126		 468
128		 560
117		 504
118		 390
123		 銀行保險
↓22.6%
QoQ
基金銷售 566 563 471 465 445 基金銷售
3Q21 4Q21 1Q22 2Q22 3Q22 ↓4.3%

23

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一銀2022年前三季營業費用比率

15,939
17,303
3Q21
3Q22
營業費用
2022年前三季累積營業費用(in NT$ mn )
+8.6%		 15,939
17,303
3Q21
3Q22
營業費用
2022年前三季累積營業費用(in NT$ mn )
+8.6%		 項目
3Q21
3Q22
淨收益
35,178
39,549
營業費用
(15,939)
(17,303)
呆帳費用(淨)
(1,819)
(3,665)
所得稅
(2,641)
(2,558)
淨利
14,779
16,023
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
淨利收
11,302
11,594
12,282
11,684
11,580
13,092
14,877
5,094
5,293
5,552
6,440
5,518
5,761
6,024
1Q21
2Q21
3Q21
2021
1Q22
2Q22
3Q22
45.07%
45.37%
45.31%
47.76%
47.65%
45.72%
43.75%

24

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一銀2022年前三季資產品質

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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
684.02%
595.90% 601.74% 620.31% 615.86% 620.39%
527.30%
0.23% 0.20% 0.21% 0.20% 0.20%
0.19% 0.18%
23,907 24,381 25,086 25,014 25,745 26,229 27,527
4,534 4,092 4,169 4,033 4,180 4,228 4,024
3M21 6M21 9M21 2021 3M22 6M22 9M22
個人 [1] 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
0.28% 0.30% 0.28%
0.25% 0.25%
0.14% 0.12% 0.12% 0.13% 0.12%
0.19% 0.21%
0.12% 0.10% 0.10% 0.09% 0.08% 0.11% 0.08% 0.08%
3Q21 4Q21 1Q22 2Q22 3Q22 3Q21 4Q21 1Q22 2Q22 3Q22
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  1. 個人 : 包含房貸及個人非房貸

25

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一銀 2022年前三季海外業務盈餘

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2022 年前三季海外分行稅前獲利分析 ( in NT$ mn or %) 2022 年前三季全行稅前獲利分析 ( in NT$ mn or %)
-2.10%
17.06% 2022 年前三季
國內市場 ; 稅前獲利
62.27% $18,581 mn
2022 年前三季 70.33% OBU/ 大中華
北美
14.71% 海外稅前獲利
東協
$7,011 mn
其他
其他海外地區 ; 大中華 ( 含 OBU);
11.08% 26.25%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
41.74%
34.74% 35.63% 32.90% 34.69% 37.73%
6,682
5,998 6,075 5,783 6,116
3,499
2,509 2,266 2,414 2,883
1,714
676
2Q21 3Q21 4Q21 1Q22 2Q22 3Q22
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26

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資本適足率與核心資本

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金控集團資本適足率 (in %)
CAR
135.13%
130.38%
123.18% 125.21% 124.07% 123.80%
118.70%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
13.43% 13.63% 14.14% 14.21% 13.71% 13.62% CAR
13.00%
12.28% 12.48% Tier 1
11.44% 11.66% 11.69% 11.64%
11.11%
2H19 1H20 2H20 1H21 2H21 1H22 3Q22
2H19 1H20 2H20 1H21 2H21 1H22 3Q22
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  • 2021/6/30 納入新版 LTV 法計算，主係房貸與土建融 (ADC) 之風險權數調整

  • •3Q22 為自結數。

27

股利政策

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2017
2018
2019
2020
2021
現金股利
0.90
1.00
1.05
0.90
1.00
股票股利
0.10
0.10
0.30
0.10
0.20
總計股利
1.00
1.10
1.35
1.00
1.20
現金股利派發率
70.9%
71.4%
67.7%
68.7%
65.8%
1.00
1.10
1.35
1.00
1.20
1.27
1.31
1.40
1.55
1.52
2017
2018
2019
2020
2021
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 )		 2017
2018
2019
2020
2021
現金股利
0.90
1.00
1.05
0.90
1.00
股票股利
0.10
0.10
0.30
0.10
0.20
總計股利
1.00
1.10
1.35
1.00
1.20
現金股利派發率
70.9%
71.4%
67.7%
68.7%
65.8%
1.00
1.10
1.35
1.00
1.20
1.27
1.31
1.40
1.55
1.52
2017
2018
2019
2020
2021
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 )
1.00
1.10
1.35
1.00
1.20
1.27
1.31
1.40
1.55
1.52
2017
2018
2019
2020
2021
第一金控每股盈餘與股利派發( in NT$dollar)
每股盈餘
股利
每股盈餘
股利
年度股利政策(
2017
2018
2019
2020
2021
現金股利 0.90
1.00
1.05
0.90
1.00
股票股利 0.10
0.10
0.30
0.10
0.20
總計股利 1.00
1.10
1.35
1.00
1.20
現金股利派發率 70.9%
71.4%
67.7%
68.7%
65.8%
  • 每股盈餘不按增資股數後調整

28

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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 %)

2018
2019
2020
2021
3Q21
3Q22
Change
Year-over-Year Comparison		 2018
2019
2020
2021
3Q21
3Q22
Change
Year-over-Year Comparison		 2018
2019
2020
2021
3Q21
3Q22
Change
Year-over-Year Comparison		 2018
2019
2020
2021
3Q21
3Q22
Change
Year-over-Year Comparison
2018
2019
2020
2021
3Q21		 3Q22 Change
30,268
29,604
30,483
34,588
25,241
8,526
8,676
8,853
10,383
7,710
11,733
11,729
10,992
9,525
7,423
4,880
9,072
5,928
3,356
2,342
117
138
211
185
134
0
0
0
0
0
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		 28,949
7,050
9,193
(746)
141
0		 14.7%
-8.6%
23.8%
-131.9%
5.2%
--
Gain on financial assets at fair value
through other compre. income		 1,566
1,505
2,673
3,176
3,115		 2,622 -15.8%
Income from equity invest. 110
125
137
100
74		 64 -13.5%
Excluding gainon fin.assetsmeasured atamort.cost 22
40
63
(10)
(10)		 0 -100.0%
Reserve of overlay approach 0
(22)
39
(43)
29		 265 --
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		 2,499
1,147
243
877
812
(90)
(18)
(42)
67
40
618
322
(12)
400
487
60,249
62,318
59,568
62,604
47,397
(5,486)
(3,852)
(4,511)
(3,621)
(1,861)
(11,153)
(11,256)
(10,707)
(9,275)
(7,220)
(22,906)
(23,901)
(24,730)
(26,275)
(18,852)
20,703
23,309
19,620
23,433
19,464
(3,370)
(3,940)
(2,812)
(3,694)
(2,943)
17,332
19,369
16,808
19,739
16,521		 4,299
(6)
369
52,200
(3,730)
(9,099)
(19,968)
19,402
(2,974)
16,428		 429.4%
-115.0%
-24.2%
10.1%
100.4%
26.0%
5.9%
-0.3%
1.1%
-0.6%
Other Items
Comprehensive Income		 417
7,399
(2,248)
(4,847)
(3,120)
17,749
26,768
14,559
14,892
13,401		 (10,595)
5,833		 239.6%
-56.5%
Net Income attributed to:
Parent
Minorityinterests		 17,332
19,369
16,808
19,739
16,521
0
0
0
0
0		 16,428
0		 -0.6%
-
Comprehensive Income attributed to:
Parent
Minorityinterests		 17,749
26,768
14,559
14,892
13,401
0
0
0
0
0		 5,833
0		 -56.5%
-
EPS1(NT$)
1.35
1.49
1.30
1.52
1.25		 1.24 -0.8%

30

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第一金控非合併損益表

FFHC Standalone Income Statement Summary in NT$ million, NT$, or %
FFHC Standalone Income Statement Summary
in NT$ million, NT$, or %
Full Year Results Year-over-Year Comparison
2018
2019
2020
2021		 3Q21 3Q22 Change
Operating revenues
Income from long-term investment
Other income1
Total revenues
Loss from long-term investment
Operating expenses
Other expenses and losses
Income from continued op. before tax
Income from continued op. after tax
Income from discontinued op., net of tax
Net income
EPS2(NT$)		 17,904
19,835
17,146
20,163
227
190
187
170
18,131
20,025
17,333
20,333
(321)
0
0
0
(356)
(389)
(378)
(403)
(110)
(202)
(201)
(184)
17,344
19,434
16,753
19,747
17,332
19,369
16,808
19,739
0
0
0
0
17,332
19,369
16,808
19,739
1.35
1.51
1.30
1.52		 16,806
167
16,973
0
(309)
(135)
16,529
16,521
0
16,521
1.25		 16,787
172
16,959
0
(311)
(176)
16,472
16,428
0
16,428
1.24		 -0.1%
3.0%
-0.1%
-
0.6%
30.4%
-0.3%
-0.6%
--
-0.6%
-0.8%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

31

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第一金控資產負債表

FFHC Balance Sheet Summary in NT$ million or million shares

FFHC Balance Sheet Summary
in NT$ million or million shares
Year-over-Year Comparison
Full Years Result
2018
2019
2020
2021		 3Q21 3Q22 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**		 217,409
232,876
234,703
241,171
224,661
241,223
243,926
248,995
19,358
21,490
22,719
24,449
205,303
219,733
221,207
224,547
2,935,204
3,206,767
3,494,502
3,739,594
2,729,901
2,987,034
3,273,295
3,515,047
205,303
219,733
221,207
224,547
205,303
219,733
221,207
224,547
0
0
0
0
123,386
124,619
128,358
129,642		 239,582
246,953
23,897
223,056
3,625,891
3,402,835
223,056
223,056
0
129,642		 237,711
244,416
27,000
217,416
4,028,407
381,099
217,416
217,416
0
132,234		 -0.8%
-1.0%
13.0%
-2.5%
11.1%
-88.8%
-2.5%
-2.5%
--
2.0%
*figures may not match due to rounding

32

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一 第 金控主要財務比率

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33

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第一銀行損益表

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

第一銀行損益表
bject to final Reviewed
FB Comprehensive Income Statement Summary(Standalone)
in NT$ million or %
2018
2019
2020
2021
3Q21
3Q22
Change
Net interest income
28,669
27,832
28,534
32,263
23,536
26,805
13.9%
Net fee income
7,563
7,858
7,328
7,969
5,776
6,088
5.4%
Net gain on ST invest.
98
515
655
1,014
993
1,388
39.8%
Net gain on LT invest.
834
903
826
763
681
931
36.7%
Net gain on other fin. products
8,396
9,932
6,710
4,516
3,778
3,926
3.9%
Other net income
462
273
81
337
414
411
-0.7%
Net revenue
46,022
47,313
44,134
46,862
35,178
39,549
12.4%
Operating expenses
(19,863)
(20,834)
(21,350)
(22,379)
(15,939)
(17,303)
8.6%
Pre-provisiion pre-tax profit
26,159
26,479
22,785
24,483
19,239
22,246
15.6%
Provision expense
(8,480)
(6,655)
(7,900)
(6,578)
(4,320)
(5,833)
35.0%
Adjustment: bad-debt recovery
3,017
2,898
3,471
3,013
2,501
2,168
-13.3%
Income before tax
20,696
22,722
18,356
20,918
17,420
18,581
6.7%
Income tax
(3,134)
(3,688)
(2,673)
(3,266)
(2,641)
(2,558)
-3.1%
Net income
17,562
19,035
15,683
17,652
14,779
16,023
8.4%
Other items
503
6,450
(1,974)
(4,425)
(2,614)
(6,228)
138.3%
Comprehensive income
18,065
25,485
13,709
13,227
12,164
9,794
-19.5%
EPS
1.97
2.14
1.73
1.94
1.56
1.69
0.08
Year-over-Year Comparison
Full Year Results

34

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第一銀行主要財務比率

第一銀行主要財務比率 第一銀行主要財務比率 第一銀行主要財務比率 第一銀行主要財務比率
FB Key Ratios
Year-over-Year Comparison
Full Year Results
2018
2019
2020
2021
3Q21
1.64%
1.59%
1.40%
1.41%
1.40%
1.18%
1.06%
1.00%
1.01%
1.00%
43.19%
44.02%
48.38%
47.76%
45.31%
78.71%
74.29%
71.04%
69.55%
71.66%
0.32%
0.24%
0.24%
0.20%
0.21%
0.34%
0.28%
0.24%
0.19%
0.19%
0.23%
0.08%
0.20%
0.24%
0.27%
389.64%
527.52%
527.32%
620.31%
601.74%		 3Q22 Change
4.29%
2.00%
-3.44%
1.87%
-14.29%
0.00%
-59.26%
13.67%
Loan to deposit spread
Net Interest Margin
Cost to income ratio3
Loan to deposit ratio1
NPL ratio
Domestic NPL ratio
Overseas NPL ratio
Coverage ratio		 1.46%
1.02%
43.75%
73.00%
0.18%
0.19%
0.11%
684.02%
CAR
Tier-1		 13.57%
13.00%
13.63%
14.21%
13.87%
11.58%
11.11%
11.66%
12.48%
12.07%		 13.62%
11.64%		 -1.80%
-3.56%
ROAA2
0.65%
0.64%
0.49%
0.51%
0.57%
ROAE2
8.71%
8.97%
7.16%
7.97%
8.92%
1. Loan to depoist ratio = total loan / total deposit
2 Alid fi		 0.57%
9.53%
. nnuaze gures.

35

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第一銀行資產品質

FB NPL Migration in NT$ million or %

FB NPL Migration
in NT$ million or %
2020
2021
Q1
Q2
Q3
3Q21
3Q22
Change
NPL- beginning
4,249
4,500
4,033
4,180
4,228
4,500
4,033
-10.4%
Net new NPL influx
6,408
3,965
602
2,357
1,136
2,146
4,095
90.8%
Domestic
4,866
978
520
2,275
176
706
2,971
320.8%
Overseas
1,542
2,987
82
82
960
1,440
1,124
-21.9%
Net write-offs
(6,157)
(4,432)
(455)
(2,309)
(1,340)
(2,477)
(4,104)
65.7%
NPL- ending balance
4,500
4,033
4,180
4,228
4,024
4,169
4,024
-3.5%
Allowance for loan loss- beginning
22,414
23,728
25,014
25,745
26,229
23,728
25,014
7.3%
Provisions for loan loss
7,666
5,783
1,045
2,760
2,417
3,873
6,222
60.7%
Net write-offs
(6,157)
(4,432)
(455)
(2,309)
(1,340)
(2,477)
(4,104)
65.7%
Others
(195)
(65)
141
33
221
(38)
395
-
Allowance for loan loss- ending
23,728
25,014
25,745
26,229
27,527
25,086
27,527
9.7%
Recovery from bad debt
3,471
3,012
717
1,192
259
2,501
2,168
-13.3%
Domestic
3,414
2,876
701
1,175
239
2,383
2,115
-11.2%
Overseas
8
92
5
6
9
86
20
-76.7%
Credit card
49
44
11
11
11
32
33
3.1%
1. Non-consolidated basis
Year-over-Year Comparison
2022 Quarterly
Full Year Results
  1. Non-consolidated basis

36

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第一金證券營運報告

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First Sec Income Statement Summary in NT$ million or %

in NT$ million or %
2018
2019
2020
2021
3Q21
3Q22
Change
Full Year Results
Year-over-Year Comparison
899
777
1,351
2,255
1,767
1,071
27.6%
293
220
242
383
283
239
35.3%
97
45
77
132
112
62
17.9%
29
270
476
555
388
(42)
43.0%
34
89
127
183
158
253
15.8%
1,352
1,401
2,273
3,508
2,708
1,583
29.5%
(1,260)
(1,172)
(1,489)
(1,879)
(1,424)
(1,128)
32.0%
77
86
80
83
64
52
29.7%
169
315
864
1,712
1,348
507
27.0%
(55)
(43)
(120)
(216)
(156)
(99)
38.5%
0
0
0
0
0
0
#DIV/0!
114
272
744
1,496
1,192
408
25.5%
1.81%
4.28%
11.05%
19.79%
21.43%
7.07%
-7.7%
0.61%
1.32%
2.81%
4.18%
4.99%
1.52%
-16.2%
1.42%
1.39%
1.46%
1.43%
1.44%
1.41%
-0.7%
2.53%
2.29%
2.40%
2.30%
2.31%
2.36%
-0.4%
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
Cummulative effect of change in
accounting principles
Net income
First Sec Key Ratios
ROAE (Annualized)
ROAA (Annualized)
Brokerage market share
Margin loan market share

37

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

第一金投信營運報告 第一金投信營運報告
FSITC Income Statement Summary
in NT$ million or %
2018
2019
2020
2021
3Q21
3Q22
Change
Total operating income
Management fee
640
615
584
656
496
469
-5.4%
Sales service fee
13
28
33
26
20
15
-25.0%
Total operating income
653
643
617
682
516
484
-6.2%
Operating expenses
(540)
(559)
(532)
(564)
(426)
(412)
-3.3%
Non-operating income
12
21
8
12
9
(6)
-166.7%
Income before tax
125
105
93
130
99
65
-34.3%
Income tax
(24)
(19)
(18)
(24)
(19)
(14)
-26.3%
Income after tax
101
86
76
105
80
51
-36.3%
Cummulative effect of change in accounting principles
0
0
0
0
0
0
#DIV/0!
Net income
101
86
76
105
80
51
-36.3%
y
FSITC Key Ratios
AUM
85,558
105,042
108,605
112,979
106,942
104,481
-2.3%
AUM Ranking
9
10
11
13
12
14
1. Non-consolidated basis
Year-over-Year Comparison
Full Yeart Results

38

第一金人壽營運報告

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First Life Financial Results Summary in NT$ million or %
First Life Financial Results Summary
in NT$ million or %
2018
2019
2020
2021
3Q21
3Q22
Change
Income Statement Summary
Operating Revenue
13,506
14,435
14,865
14,401
11,049
14,014
26.8%
Premium Income
12,698
13,193
13,330
12,429
9,522
12,527
31.6%
Other insurance income
312
272
256
252
191
161
-15.7%
Net Investment Income
496
970
1,279
1,720
1,336
1,326
-0.7%
Operating Cost
13,022
13,565
13,743
13,047
9,932
13,185
32.8%
Reinsurance commission
49
59
68
78
58
68
17.2%
Reserves
11,192
11,304
10,745
9,312
7,242
9,155
26.4%
Claims
851
1,329
2,210
2,769
2,005
3,191
59.2%
Commission
930
873
720
888
627
770
22.8%
Others
0
0
0
0
0
1 --
Operating Expenses
(638)
(655)
(730)
(752)
(547)
(581)
6.2%
Profit/Loss of Operation
(154)
215
392
601
570
248
-56.5%
Non-Operating Profit
0
0
0
0
0
0
--
Profit/Loss Before Tax
(154)
215
392
601
570
248
-56.5%
Income tax
13
29
94
(1)
7
(101) -1542.9%
Net Income after tax
(141)
244
485
600
577
147
-74.5%
Key Ratios
ROAE(Annualized ratio)
-13.46%
10.44%
14.02%
13.85%
17.95%
6.24%
-65.2%
ROAA(Annualized ratio)
-0.34%
0.47%
0.76%
0.82%
1.07%
0.24%
-77.6%
Year-over-Year Comparison
Full Year Result

39

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