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第一金證券投資論壇第一金控2023年第三季營運報告

Dec. 6, 2023 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。

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內容

業務摘錄
財務資料
營運成果
附件

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2023 `年第三季業` 務摘錄

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準備迎接2024年

截至 2023 年第三季止，集團盈餘持續維持強韌走勢 :

第一金在市場震盪變化下，總計2023年前三季集團獲利為新台幣190.27億元 (+15.8%,YoY)。銀行子公司前三季稅後獲利為新台幣180.16億元(+12.4%,YoY)；同時，證券(+103.7%, YoY), 人壽(+262.6%, YoY)與投信(+78.4%, YoY)等子公司績效均大幅超越前一年度表現。

 銀行收入拓展、業務動能不墜 :

第一銀行放款前三季之年成長量為+6.0% (YoY)、手續費收入則達+9.6%( YoY)、金融市場收益部份 (主係換匯交易利得貢獻)年成長達+150.5%之翻倍水準，收入拓展均較去年同期為佳。

進入 2023 年第四季後，市場受總體經濟環境變動而產生較大波動 :

通膨數字尚未明顯緩解，伴隨消費力道的下滑與地緣政治衝突導致之資金重配置，第四季起市場變動加劇，風險趨避氛圍使全球資本市場變化更大，投資人敏感度升高。

 準備迎接 2024 年 :

展望新的年度，集團將聚焦於全球風險控制與管理，並採行必要防範措施於資產品質、投資配置與調整，以及有效率運用資本以作好準備迎接2024年。

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2023 年前三季財務資料

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2023年第三季主要財務數字

2023年前三季獲利組合1 ( in NT$ mn)
銀行
NT$18,016; 94.7%
證券
NT$831;4.4%
投信
NT$91; 0.5 %
其他
NT$(565); -3.0%
人壽
NT$533; 2.8%
AMC
NT$121; 0.6~~%~~

經營績效( in NT$ dollar, NT$ mn, mn shares or %)
稅後淨利
綜合損益
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率2
平均資產報酬率2
集團資本適足率3
雙重槓桿比率4

3Q'22
16,4281
5,833
4,028,407
1.21
16.44
132,234
9.91%
0.56%
123.80%
110.64%
3Q'23
19,0271
28,465
4,365,570
1.40
17.77
136,201
10.88%
0.60%
128.74%
110.93%
YoY %
+15.8%
+388.0%
+8.4%
+15.7%
+8.1%
+3.0%
+9.8%
+7.1%
+4.0%
+0.3%

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.[年化後數字]

3.[半年更新] 4.[雙重槓桿比率] =[股權投資] /[股東權益]

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2023年前三季營運成果

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2023 年前三季合併淨利與綜合損益 (in NT$ mn)
↓ 0.9%
(3,377) (2,192)
51,737
(22,343)
↑ 388.0.%
↑ 15.8%
28,465
(4,798)
19,027
淨收益呆帳提存保險準備營業費用所得稅淨利綜合損益
2022 年前三季合併淨利與綜合損益 (in NT$ mn)
(3,730)
52,200 (9,099)
(19,968)
(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
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2023年上半年主要子公司*獲利表現 - 稅後淨利

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2023 年前三季稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 15.8%
↑ 12.4%
19,027
18,016
↑ 103.7% ↑ 262.6%
↑ 78.4%
↑ 7.1%
831 91 533 121
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
2022 年前三季稅後淨利 -- 主要子公司 (in NT$ mn)
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
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僅列示 5 家主要子公司

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2023 年前三季營運成果

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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
11.52% 11.46% 10.88%
9.92% 8.86% 8.68% 9.36% 9.91% 9.18%
1
9
16,521 19,739 4,944 10,236 16,42815377,369,293,8764,13378,16808,5029,10913, 20,596 6,630 13,158 19,027
8
9M21 2021 3M22 6M22 9M22 2022 3M23 6M23 9M23
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
8.92% 7.97% 8.48% 9.16% 9.53% 8.95% 10.72% 10.38% 10.04%
20,328
17,652 18,016
16,023
14,779
12,256
10,123
6,320
4,817
9M21 2021 3M22 6M22 9M22 2022 3M23 6M23 9M23
1 9 2 1
9 M 6 M
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一銀 2023年前三季稅前獲利

2023年前三季累積淨收益(in NT$ mn or %)	2023年前三季累積淨收益(in NT$ mn or %)	2023年前三季累積淨收益(in NT$ mn or %)	2023年前三季累積淨收益(in NT$ mn or %)	2023年前三季累積淨收益(in NT$ mn or %)
	累積淨收益 +13.2% 39,549 44,759 3Q'22 3Q'23
		項目 3Q'22	3Q'23	Change
		淨利收 67.8%	48.9%	-18.9%
		淨手續費收益 15.4%	15.0%	-0.4%
		投資收益/短投 3.5%	2.6%	-0.9%
		投資收益/長投 2.4%	2.2%	-0.2%
		投資收益/其他金融商品 9.9%	30.1%	+20.2%
		其他 1.0%	1.2%	+0.2%
		z 淨收益 100.0%	100.0%
		呆帳費用(淨額) -9.3%	-7.4%	+1.9%
		營業費用 -43.8%	-43.2%	+0.6%
2023年前三季淨收益&費用比較(in NT$ mn )		稅前獲利 46.9%	49.4%	+2.5%

毛提存費用

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一銀 2023年第三季放款結構

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||||||||
|---|---|---|---|---|---|---|
|2023|年第三季總放款|[1]|(in NT$ bn or %)|各類放款|[1]|結構|
|項目|3Q'22|3Q'23|Change|
|消金放款|28.2%|28.6%|+0.4%|
|2,402.7|
|房貸|24.8%|25.2%|+0.4%|
|其他消金|3.4%|3.4%|0.0%|
|法金放款|71.8%|71.4%|-0.4%|
|2,267.3|
|+6.0%|大企業放款|9.9%|12.3%|+2.4%|
|中小企業放款|[2]|39.9%|38.7%|-1.2%|
|外幣放款|20.5%|18.0%|-2.5%|
|3Q'22|3Q'23|---|海外分行|13.2%|12.7%|-0.5%|
|總放款|[1]|政府公營|1.5%|2.4%|+0.9%|
|總放款|[1]|100.0%|100.0%|
|2023|年第三季總放款|[1]|結構|(in NT$ bn )|
|930.7|↑|2.8%|
|905.2|
|↑|7.7%|
|604.6|F/X|↓|7.3%|
|561.4|
|↑|31.6%|465.7|431.7|
|Overseas|↑|1.8%|
|295.5|
|224.6|
|Overseas|Overseas|110.4|140.2|
|298.9|304.2|other consumer|
|lo|an 81.5 bn|
|3Q'22 3Q'23|3Q'22 3Q'23|3Q'22 3Q'23 3Q'22 3Q'23 3Q'22 3Q'23|
|房屋貸款|大企業放款|中小企業放款|[2]|外幣放款|其他|[3]|

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總放款不含催收款 ; 2. 中小企業放款依經濟部定義
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)
2,267.3
2,318.3
2,369.6
2,340.3
2,402.7
QoQ%
房屋貸款↑1.9%
中小企業放款↑0.5%
大企業放款↑8.9%
外幣放款↑2.4%
110.4
101.9
182.6
127.5
140.2
465.7
434.0
416.0
421.7
431.7
224.6
274.5
274.9
271.3
295.5
905.2
930.0
912.0
926.5
930.7
561.4
577.9
584.1
593.3
604.6
3Q'22
4Q'22
1Q'23
2Q'23
3Q'23
↑2.7%

房屋貸款
外幣放款
大企業放款
其他
中小企業放款
總放款 2,267.3
2,318.3
2,369.6
2,340.3
2,402.7
QoQ%
房屋貸款↑1.9%
中小企業放款↑0.5%
大企業放款↑8.9%
外幣放款↑2.4%
110.4
101.9
182.6
127.5
140.2
465.7
434.0
416.0
421.7
431.7
224.6
274.5
274.9
271.3
295.5
905.2
930.0
912.0
926.5
930.7
561.4
577.9
584.1
593.3
604.6
3Q'22
4Q'22
1Q'23
2Q'23
3Q'23
↑2.7%

	一銀放款成長(in NT$ bn) 2,267.3 2,318.3 2,369.6 2,340.3 2,402.7 QoQ% 房屋貸款`↑`1.9% 中小企業放款↑0.5% 大企業放款`↑`8.9% 外幣放款`↑`2.4% 110.4 101.9 182.6 127.5 140.2 465.7 434.0 416.0 421.7 431.7 224.6 274.5 274.9 271.3 295.5 905.2 930.0 912.0 926.5 930.7 561.4 577.9 584.1 593.3 604.6 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 ↑2.7%
房屋貸款外幣放款大企業放款其他中小企業放款總放款	2,267.3 2,318.3 2,369.6 2,340.3 2,402.7 QoQ% 房屋貸款`↑`1.9% 中小企業放款↑0.5% 大企業放款`↑`8.9% 外幣放款`↑`2.4% 110.4 101.9 182.6 127.5 140.2 465.7 434.0 416.0 421.7 431.7 224.6 274.5 274.9 271.3 295.5 905.2 930.0 912.0 926.5 930.7 561.4 577.9 584.1 593.3 604.6 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 ↑2.7%

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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
72.16% 73.00%
69.55% 69.68% 70.60% 69.99% 69.60% 70.24% 台幣 78.2%
外幣 47.6%
2,045.2 2,128.3 2,236.2 2,271.5 2,322.6 2,373.9 2,344.4 2,402.7
2021 1Q'22 2Q'22 3Q'22 2022 1Q'23 2Q'23 3Q'23
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.44% 1.46% 1.48%
1.41% 1.40%
1.36% 1.34% 1.36%
1.04%
1.01% 1.02% 1.02%
0.99%
0.77% 0.76% 0.76%
2021 1Q'22 2Q'22 3Q'22 2022 1Q'23 2Q'23 3Q'23
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總放款 = 放款 + 進 / 出口買匯 + 催收款項
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 % ) 存款利率 ( 台幣 ) 放款利率 ( 台幣 )
利差 ( 台幣 )
1.38% 1.38%
1.36%
1.35%
1.34%
2.26% 2.27%
2.15%
2.03%
1.88%
0.91% 0.93%
0.79%
0.65%
0.50%
3Q'22 4Q'22 1Q'23 2Q'23 3Q'23
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 )
2.90%
2.82%
2.75% 2.77%
2.51%
5.77% 6.12% 6.45%
4.99%
3.81%
3.55%
3.35%
3.02%
2.17%
1.30%
3Q'22 4Q'22 1Q'23 2Q'23 3Q'23
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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
906.2
-7.1%
975.3
△
2023 年上半
73.39%
年總存款 70.99%
68.05%
$3,426.3 bn
+18.0% 2,520.1 64.09% 62.16%
+10.1% YoY
2,136.1
2021 1H'22 2022 1H'23 3Q'23
3Q'22 3Q'23
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一銀特定產業貸放集中度

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2023 年第三季 - 特定貸放產業佔比
非製造業 (76.91%)
總授信餘額 [1] : NT$2,550.5bn
旅館餐飲 1.79%
製造業 (23.09%)
營造 3.02%
4.28% 塑化
批發零售 9.60%
5.36% 金屬
4.59% 電子資訊不動產 13.54%
3.77% 機械運輸 2.33%
5.09% 其他製造業
金融及保險 5.60%
其他(含房貸) 41.03%
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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 : 0.07% (3Q'23)
新承作房貸成數北北基
43.2%
平均房貸成數平均房貸利率
2.09% 2.20% 2.19% 宜蘭花東
1.97%
1.84% 3.2%
10.4%
64.51% 64.65% 64.44% 64.40% 64.42% 高屏
46.49% 46.82% 46.60% 46.63% 46.78%
20.2%
桃竹苗
雲嘉南 10.2%
3Q'22 2022 1Q'23 2Q'23 3Q'23
中彰投 12.8%
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
31,771 34,216
33,134
14,221
11,517 10,743 10,874 11,087 12,597 9,885 12,486 12,595 10,968 11960 10266 11990
8,232 8,208
7M22 8M22 9M22 10M22 11M22 12M22 1M23 2M23 3M23 4M23 5M23 6M23 7M23 8M23 9M23
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一銀2023年前三季淨手續費結構

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2023 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 3Q22 3Q'23 Change
財富管理 [1 ] 52.4% 56.3% +3.9%
6,673
放款相關 25.2% 24.2% -1.0%
外匯 8.9% 7.6% -1.3%
+9.6%
6,088
信用卡 4.4% 3.7% -0.7%
其他 [2] 9.1% 8.2% -0.9%
3Q'22 3Q'23
累計手續費收益累積淨手續費收益 100.0% 100.0%
2023 年前三季累積淨手續費收益 (in NT$ mn)
↑ 17.6%
3,754
3,192
↑ 5.1%
1,534 1,613 ↓ 6.3%
540 506 554 550
268 250
3Q'22 3Q'23 3Q'22 3Q'23 3Q'22 3Q'23 3Q'22 3Q'23 3Q'22 3Q'23
財富管理 [1] 放款相關外匯信用卡其他 [2]
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財富管理手收 = 保管費手收 + 信託手收 + 銀行保險手收
其他為含海外分行在內之通路手續費

財富管理 *

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一銀淨手續費收益 -季度比較

				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)	淨手續費收益(in NT$ mn)
每季淨手續費收益	1,869		2,015		2,031		2,383		2,259		↓5.2% QoQ

								159

								101		182

								177		77
				198		209				166
其他 * 信用卡外匯相關		175 87 197		181 103		72 163		538		555
放款相關		452		475		520		122		142	QoQ
保管銀行保險基金銷售		390 123 445 3Q'22		502 123 433 4Q'22		506 117 444 1Q'23		691 595 2Q'23		551 586 3Q'23	基金銷售 ↓1.5% 銀行保險 ↓20.3%

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

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一銀2023年前三季營業費用比率

營業費用 2023年前三季累積營業費用(in NT$ mn ) 17,303 19,353 +11.8% 3Q'22 3Q'23	營業費用 2023年前三季累積營業費用(in NT$ mn ) 17,303 19,353 +11.8% 3Q'22 3Q'23	項目 3Q22 3Q'23 淨收益 39,549 44,759 營業費用 (17,303) (19,353) 呆帳費用(淨) (3,665) (3,323) 所得稅 (2,558) (4,067) 淨利 16,023 18,016 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 11,580 13,092 14,877 14,935 15,220 14,931 14,608 5,518 5,761 6,024 6,907 6,219 6,449 6,685 1Q'22 2Q'22 3Q'22 2022 1Q'23 2Q'23 3Q'23 45.72% 43.75% 44.44% 40.86% 42.02% 43.24%

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一銀2023年第三季資產品質

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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
797.04%
731.12% 735.70%
709.24%
684.02%
615.86% 620.39%
0.20%
0.19%
0.18% 0.18% 0.18% 0.18%
0.17%
25,745 26,229 27,527 29,226 30,536 30,681 31,856
4,180 4,228 4,024 4,121 4,177 4,170 3,997
3M'22 6M'22 9M'22 2022 3M'23 6M'23 9M'23
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
中小企業
0.28% 0.29% 0.27%
0.20%
0.12% 0.11% 0.13% 0.11% 0.10% 0.17%
0.08% 0.07%
0.03% 0.16%
0.00%
0.08% 0.07% 0.09% 0.07% 0.07%
3Q'22 4Q'22 1Q'23 2Q'23 3Q'23 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23
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個人 : 包含房貸及個人非房貸

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一銀 2023年前三季海外業務盈餘

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2023 年前三季海外分行稅前獲利分析 ( in NT$ mn or %) 2023 年前三季全行稅前獲利分析 ( in NT$ mn or %)
-15.26%
2023 年前三季
稅前獲利
國內市場 ;
27.54% 2023 年前三季 77.42% OBU/ 大中華 80.46% $22,083 mn
北美
海外稅前獲利
東協
$4,316 mn
其他
10.29% 其他海外地區 ; 大中華 ( 含 OBU);
4.44% 15.13%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外全行累積海外稅前獲利 / 一銀全行稅前獲利
34.69% 37.73% 37.02%
23.61% 20.63% 19.54%
7,849
6,682 7,232 7,002
6,116
5,207
2,883
1,714 1,795 1,853 1,258 1,205
2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 3Q'23
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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%
130.35% 128.09% 128.74%
125.21% 124.07% 125.16%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
13.63% 14.14% 14.21% 13.71% 13.76% 14.26% 14.28% CAR
12.28% 12.48% 12.32% 12.35% Tier 1
11.66% 11.69% 11.80%
2H'20 1H'21 2H'21 1H'22 2H'22 1H'23 3Q'23
2H'20 1H'21 2H'21 1H'22 2H'22 1H'23 3Q'23
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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
半年更新

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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 %)

	Year-over-Year Comparison	Year-over-Year Comparison
	2019 2020 2021 2022 3Q'22 et interest income 29,604 30,483 34,588 37,969 28,949 et service fee & commission 8,676 8,853 10,383 9,409 7,050 et Insurance revenue 11,729 10,992 9,525 8,980 9,193 ain on financial assets meas. 9,072 5,928 3,356 3,271 (746) at fair value through P/L eal estate investment gain 138 211 185 190 141	3Q'23
N N N G R		24,334 7,684 2,427 12,910 159
G	ain on financial assets at fair value through other compre. income 1,505 2,673 3,176 1,984 2,622	1,552
In	come from equity invest. 125 137 100 76 64	116
E	xcluding gainon fin.assetsmeasured atamort.cost 40 63 (10) (68) 0	(150)
R	eserve of overlay approach (22) 39 (43) 237 265	(14)
N A O N O In In C	et gain on F/X 1,147 243 877 5,300 4,299 ssets impairment loss (18) (42) 67 (6) (6) thers 322 (12) 400 414 369 et Revenue 62,318 59,568 62,604 67,756 52,200 Net Provision for credit losses (3,852) (4,511) (3,621) (6,577) (3,730) Recovered(provided) for insurance res. (11,256) (10,707) (9,275) (8,906) (9,099) perating Expense (23,901) (24,730) (26,275) (27,786) (19,968) come from continued op. before tax 23,309 19,620 23,433 24,487 19,402 come tax expenses (3,940) (2,812) (3,694) (3,891) (2,974) onsolidatednetincome 19,369 16,808 19,739 20,596 16,428	2,050 (46) 715 51,737 (3,377) (2,192) (22,343) 23,825 (4,798) 19,027
O C	ther Items 7,399 (2,248) (4,847) (8,056) (10,595) omprehensive Income 26,768 14,559 14,892 12,540 5,833	9,439 28,465
N	et Income attributed to: Parent 19,369 16,808 19,739 20,596 16,428	19,027
C	omprehensive Income attributed to: Parent 26,768 14,559 14,892 12,540 5,833	28,465

E	PS~~1~~(NT$) 1.49 1.30 1.49 1.56 1.21	1.40

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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
	2019 2020 2021 2022		3Q'22	3Q'23	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$)	19,835 17,146 20,163 21,094 190 187 170 176 20,025 17,333 20,333 21,270 0 0 0 0 (389) (378) (403) (413) (202) (201) (184) (267) 19,434 16,753 19,747 20,590 19,369 16,808 19,739 20,596 0 0 0 0 19,369 16,808 19,739 20,596 1.51 1.30 1.49 1.56		16,787 172 16,959 0 (311) (176) 16,472 16,428 0 16,428 1.21	19,689 191 19,880 0 (345) (276) 19,259 19,027 0 19,027 1.40	17.3% 11.0% 17.2% - 10.9% 56.8% 16.9% 15.8% -- 15.8% 15.7%

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

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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
	2019 2020 2021 2022	3Q22	3Q'23	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* figures may not match due to rounding	232,876 234,703 241,171 244,673 237,711 241,223 243,926 248,995 251,732 244,416 21,490 22,719 24,449 27,609 27,000 219,733 221,207 224,547 224,123 217,416 3,206,767 3,494,502 3,739,594 4,157,196 4,028,407 2,987,034 3,273,295 3,515,047 3,933,073 3,810,991 219,733 221,207 224,547 224,123 217,416 219,733 221,207 224,547 224,123 217,416 0 0 0 0 0 124,619 128,358 129,642 132,234 132,234	237,711 244,416 27,000 217,416 4,028,407 3,810,991 217,416 217,416 0 132,234	265,415 272,821 30,812 242,009 4,365,570 4,123,561 242,009 242,009 0 136,201	11.7% 11.6% 14.1% 11.3% 8.4% 8.2% 11.3% 11.3% -- 3.0%

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一第金控主要財務比率

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FFHC Key Ratios

FFHC Key Ratios
	2019 2020 2021 2022 3Q'22 3Q'23 Change 0.63% 0.50% 0.55% 0.52% 0.56% 0.60% 7.1% 9.11% 7.62% 8.86% 9.18% 9.91% 10.88% 9.8% 17.63 17.23 17.32 16.95 16.44 17.77 8.1% 124,619 128,358 129,642 132,234 132,234 136,201 3.0% 107.70% 107.55% 108.75% 110.38% 110.64% 110.93% 0.3% 118.70% 125.21% 130.35% 125.16% 123.80% 128.74% 4.0% 8.91% 9.31% 9.82% 10.97% 11.05% 11.29% 2.2% Year-over-Year Comparison Full Year Results
		3Q'22	3Q'23	Change
After-tax ROAA (Annualized ratio) After-tax ROAE (Annualized ratio) Book Per Share Capital Stock Double leverage1 Group CAR2 Debt Ratio3		0.56% 9.91% 16.44 132,234 110.64% 123.80% 11.05%	0.60% 10.88% 17.77 136,201 110.93% 128.74% 11.29%	7.1% 9.8% 8.1% 3.0% 0.3% 4.0% 2.2%

Double leverage ratio = Long-term investment / Equity
Updated semi-annually.
Unconsolidated basis

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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 % 2019 2020 2021 2022 3Q'22 3Q'23 Change Net interest income 27,832 28,534 32,263 35,001 26,805 21,897 -18.3% Net fee income 7,858 7,328 7,969 8,103 6,088 6,673 9.6% Net gain on ST invest. 515 655 1,014 1,411 1,388 1,162 -16.3% Net gain on LT invest. 903 826 763 1,062 931 1,002 7.6% Net gain on other fin. products 9,932 6,710 4,516 8,518 3,926 13,477 243.3% Other net income 273 81 337 389 411 548 33.3% Net revenue 47,313 44,134 46,862 54,484 39,549 44,759 13.2% Operating expenses (20,834) (21,350) (22,379) (24,210) (17,303) (19,353) 11.8% Pre-provisiion pre-tax profit 26,479 22,785 24,483 30,274 22,246 25,406 14.2% Provision expense (6,655) (7,900) (6,578) (9,025) (5,833) (6,689) 14.7% Adjustment: bad-debt recovery 2,898 3,471 3,013 2,539 2,168 3,366 55.3% Income before tax 22,722 18,356 20,918 23,788 18,581 22,083 18.8% Income tax (3,688) (2,673) (3,266) (3,460) (2,558) (4,067) 59.0% Net income 19,035 15,683 17,652 20,328 16,023 18,016 12.4% Other items 6,450 (1,974) (4,425) (3,945) (6,228) 6,389 -202.6% Comprehensive income 25,485 13,709 13,227 16,382 9,794 24,405 149.2% EPS 2.14 1.73 1.86 2.15 1.57 1.76 0.12 Year-over-Year Comparison Full Year Results

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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


FB Key Ratios

	Year-over-Year Comparison Full Year Results
	2019 2020 2021 2022 3Q'22 1.59% 1.40% 1.41% 1.48% 1.46% 1.06% 1.00% 1.01% 0.99% 1.02% 44.02% 48.38% 47.76% 44.44% 43.75% 74.29% 71.04% 69.55% 70.60% 73.00% 0.24% 0.24% 0.20% 0.18% 0.18% 0.28% 0.24% 0.19% 0.19% 0.19% 0.08% 0.20% 0.24% 0.10% 0.11% 527.52% 527.32% 620.31% 709.24% 684.02%	3Q'23	Change -6.85% -25.49% -1.17% -3.78% -5.56% -36.84% 245.45% 16.52%
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		1.36% 0.76% 43.24% 70.24% 0.17% 0.12% 0.38% 797.04%


CAR Tier-1	13.00% 13.63% 14.21% 13.76% 13.62% 11.11% 11.66% 12.48% 11.80% 11.64%	14.28% 12.35%	4.85% 6.10%
ROAA2 0.64% 0.49% 0.51% 0.53% 0.57% ROAE2 8.97% 7.16% 7.97% 8.95% 9.53% 1. Loan to depoist ratio = total loan / total deposit 2 Alid fi		0.59% 10.04%
. nnuaze gures.

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第一銀行資產品質

FB NPL Migration in NT$ million or %

F	F	B NPL Migration n NT$ million or % 2021 2022 Q1 Q2 Q3 3Q22 3Q23 Change PL- beginning 4,500 4,033 4,121 4,177 4,170 4,033 4,121 2.2% Net new NPL influx 3,965 4,443 1,065 1,814 1,301 4,095 4,180 2.1% Domestic 978 3,281 74 570 1,016 2,971 1,660 -44.1% Overseas 2,987 1,162 991 1,244 285 1,124 2,520 124.2% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% PL- ending balance 4,033 4,121 4,177 4,170 3,997 4,024 3,997 -0.7% llowance for loan loss- beginning 23,728 25,014 29,226 30,536 30,681 25,014 29,226 7.3% Provisions for loan loss 5,783 8,226 2,338 1,902 2,733 6,222 6,973 12.1% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% Others (65) 341 (19) 64 (84) 395 (39) - llowance for loan loss- ending 25,014 29,226 30,536 30,681 31,856 27,527 31,856 15.7% ecovery from bad debt 3,012 2,540 1,032 345 1,989 2,168 3,366 55.3% Domestic 2,876 2,463 875 322 1,961 2,115 3,158 49.3% Overseas 92 31 145 8 14 20 167 735.0% Credit card 44 46 12 15 14 33 41 24.2% . Non-consolidated basis Year-over-Year Comparison 2023 Quarterly Full Year Results	B NPL Migration n NT$ million or % 2021 2022 Q1 Q2 Q3 3Q22 3Q23 Change PL- beginning 4,500 4,033 4,121 4,177 4,170 4,033 4,121 2.2% Net new NPL influx 3,965 4,443 1,065 1,814 1,301 4,095 4,180 2.1% Domestic 978 3,281 74 570 1,016 2,971 1,660 -44.1% Overseas 2,987 1,162 991 1,244 285 1,124 2,520 124.2% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% PL- ending balance 4,033 4,121 4,177 4,170 3,997 4,024 3,997 -0.7% llowance for loan loss- beginning 23,728 25,014 29,226 30,536 30,681 25,014 29,226 7.3% Provisions for loan loss 5,783 8,226 2,338 1,902 2,733 6,222 6,973 12.1% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% Others (65) 341 (19) 64 (84) 395 (39) - llowance for loan loss- ending 25,014 29,226 30,536 30,681 31,856 27,527 31,856 15.7% ecovery from bad debt 3,012 2,540 1,032 345 1,989 2,168 3,366 55.3% Domestic 2,876 2,463 875 322 1,961 2,115 3,158 49.3% Overseas 92 31 145 8 14 20 167 735.0% Credit card 44 46 12 15 14 33 41 24.2% . Non-consolidated basis Year-over-Year Comparison 2023 Quarterly Full Year Results	B NPL Migration n NT$ million or % 2021 2022 Q1 Q2 Q3 3Q22 3Q23 Change PL- beginning 4,500 4,033 4,121 4,177 4,170 4,033 4,121 2.2% Net new NPL influx 3,965 4,443 1,065 1,814 1,301 4,095 4,180 2.1% Domestic 978 3,281 74 570 1,016 2,971 1,660 -44.1% Overseas 2,987 1,162 991 1,244 285 1,124 2,520 124.2% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% PL- ending balance 4,033 4,121 4,177 4,170 3,997 4,024 3,997 -0.7% llowance for loan loss- beginning 23,728 25,014 29,226 30,536 30,681 25,014 29,226 7.3% Provisions for loan loss 5,783 8,226 2,338 1,902 2,733 6,222 6,973 12.1% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% Others (65) 341 (19) 64 (84) 395 (39) - llowance for loan loss- ending 25,014 29,226 30,536 30,681 31,856 27,527 31,856 15.7% ecovery from bad debt 3,012 2,540 1,032 345 1,989 2,168 3,366 55.3% Domestic 2,876 2,463 875 322 1,961 2,115 3,158 49.3% Overseas 92 31 145 8 14 20 167 735.0% Credit card 44 46 12 15 14 33 41 24.2% . Non-consolidated basis Year-over-Year Comparison 2023 Quarterly Full Year Results	B NPL Migration n NT$ million or % 2021 2022 Q1 Q2 Q3 3Q22 3Q23 Change PL- beginning 4,500 4,033 4,121 4,177 4,170 4,033 4,121 2.2% Net new NPL influx 3,965 4,443 1,065 1,814 1,301 4,095 4,180 2.1% Domestic 978 3,281 74 570 1,016 2,971 1,660 -44.1% Overseas 2,987 1,162 991 1,244 285 1,124 2,520 124.2% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% PL- ending balance 4,033 4,121 4,177 4,170 3,997 4,024 3,997 -0.7% llowance for loan loss- beginning 23,728 25,014 29,226 30,536 30,681 25,014 29,226 7.3% Provisions for loan loss 5,783 8,226 2,338 1,902 2,733 6,222 6,973 12.1% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% Others (65) 341 (19) 64 (84) 395 (39) - llowance for loan loss- ending 25,014 29,226 30,536 30,681 31,856 27,527 31,856 15.7% ecovery from bad debt 3,012 2,540 1,032 345 1,989 2,168 3,366 55.3% Domestic 2,876 2,463 875 322 1,961 2,115 3,158 49.3% Overseas 92 31 145 8 14 20 167 735.0% Credit card 44 46 12 15 14 33 41 24.2% . Non-consolidated basis Year-over-Year Comparison 2023 Quarterly Full Year Results	B NPL Migration n NT$ million or % 2021 2022 Q1 Q2 Q3 3Q22 3Q23 Change PL- beginning 4,500 4,033 4,121 4,177 4,170 4,033 4,121 2.2% Net new NPL influx 3,965 4,443 1,065 1,814 1,301 4,095 4,180 2.1% Domestic 978 3,281 74 570 1,016 2,971 1,660 -44.1% Overseas 2,987 1,162 991 1,244 285 1,124 2,520 124.2% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% PL- ending balance 4,033 4,121 4,177 4,170 3,997 4,024 3,997 -0.7% llowance for loan loss- beginning 23,728 25,014 29,226 30,536 30,681 25,014 29,226 7.3% Provisions for loan loss 5,783 8,226 2,338 1,902 2,733 6,222 6,973 12.1% Net write-offs (4,432) (4,355) (1,009) (1,821) (1,474) (4,104) (4,304) 4.9% Others (65) 341 (19) 64 (84) 395 (39) - llowance for loan loss- ending 25,014 29,226 30,536 30,681 31,856 27,527 31,856 15.7% ecovery from bad debt 3,012 2,540 1,032 345 1,989 2,168 3,366 55.3% Domestic 2,876 2,463 875 322 1,961 2,115 3,158 49.3% Overseas 92 31 145 8 14 20 167 735.0% Credit card 44 46 12 15 14 33 41 24.2% . Non-consolidated basis Year-over-Year Comparison 2023 Quarterly Full Year Results
i N N A A R
			2021 2022 Q1 Q2 Q3 4,500 4,033 4,121 4,177 4,170 3,965 4,443 1,065 1,814 1,301 978 3,281 74 570 1,016 2,987 1,162 991 1,244 285 (4,432) (4,355) (1,009) (1,821) (1,474) 4,033 4,121 4,177 4,170 3,997 23,728 25,014 29,226 30,536 30,681 5,783 8,226 2,338 1,902 2,733 (4,432) (4,355) (1,009) (1,821) (1,474) (65) 341 (19) 64 (84) 25,014 29,226 30,536 30,681 31,856 3,012 2,540 1,032 345 1,989 2,876 2,463 875 322 1,961 92 31 145 8 14 44 46 12 15 14 2023 Quarterly Full Year Results	Year-over-Year Comparison
				3Q22	3Q23	Change
	N N A A R	PL- beginning Net new NPL influx Domestic Overseas Net write-offs PL- ending balance llowance for loan loss- beginning Provisions for loan loss Net write-offs Others llowance for loan loss- ending ecovery from bad debt Domestic Overseas Credit card		4,033 4,095 2,971 1,124 (4,104) 4,024 25,014 6,222 (4,104) 395 27,527 2,168 2,115 20 33	4,121 4,180 1,660 2,520 (4,304) 3,997 29,226 6,973 (4,304) (39) 31,856 3,366 3,158 167 41	2.2% 2.1% -44.1% 124.2% 4.9% -0.7% 7.3% 12.1% 4.9% - 15.7% 55.3% 49.3% 735.0% 24.2%

Non-consolidated basis

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第一金證券營運報告

First Sec Income Statement Summary in NT$ million or %

First Sec Income Statement Summary in NT$ million or % 2019 2020 2021 2022 3Q'22 3Q'23 Change Brokerage commission 777 1,351 2,255 1,382 1,071 1,109 3.5% Net interest income 220 242 383 286 239 137 -42.7% Underwriting commission 45 77 132 78 62 36 -41.9% Transaction gains through F/V, net 270 476 555 (63) (42) 591 -1507.1% Other operating income 89 127 183 246 253 291 15.0% Total operating income 1,401 2,273 3,508 1,929 1,583 2,164 36.7% Total operating expenses (1,172) (1,489) (1,879) (1,488) (1,128) (1,273) 12.9% Non-operating income 86 80 83 74 52 81 55.8% Income before tax 315 864 1,712 515 507 972 91.7% Income tax (43) (120) (216) (112) (99) (141) 42.4% Cummulative effect of change in accounting principles 0 0 0 0 0 0 - Net income 272 744 1,496 403 408 831 103.7% First Sec Key Ratios ROAE (Annualized) 4.28% 11.05% 19.79% 5.22% 7.06% 14.04% -26.1% ROAA (Annualized) 1.32% 2.81% 4.18% 1.19% 1.52% 3.58% -21.7% Brokerage market share 1.39% 1.46% 1.43% 1.38% 1.39% 1.32% -0.7% Margin loan market share 2.29% 2.40% 2.30% 2.35% 2.34% 2.28% 0.4% Year-over-Year Comparison Full Year Results	First Sec Income Statement Summary	First Sec Income Statement Summary	First Sec Income Statement Summary

			First Sec Income Statement Summary

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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 % 2019 2020 2021 2022 3Q'22 3Q'23 Change Total operating income Management fee 615 584 656 629 469 511 9.0% Sales service fee 28 33 26 20 15 11 -26.7% Total operating income 643 617 682 649 484 522 7.9% Operating expenses (559) (532) (564) (552) (412) (413) 0.2% Non-operating income 21 8 12 (1) (6) 8 -233.3% Income before tax 105 93 130 96 65 113 73.8% Income tax (19) (18) (24) (20) (14) (22) 57.1% Income after tax 86 76 105 76 51 91 78.4% Cummulative effect of change in accounting principles 0 0 0 0 0 0 #DIV/0! Net income 86 76 105 76 51 91 78.4% y FSITC Key Ratios AUM 105,042 108,605 112,979 100,051 104,481 109,939 5.2% AUM Ranking 10 11 13 15 14 14 1. Non-consolidated basis Year-over-Year Comparison Full Yeart Results

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	First Life Financial Results Summary
	in NT$ million or % 2019 2020 2021 2022 3Q'22 3Q'23 Change Income Statement Summary Operating Revenue 14,435 14,865 14,401 16,689 14,014 10,117 -27.8% Premium Income 13,193 13,330 12,429 14,911 12,527 8,266 -34.0% Other insurance income 272 256 252 208 161 153 -5.0% Net Investment Income 970 1,279 1,720 1,570 1,326 1,698 28.1% Operating Cost 13,565 13,743 13,047 15,761 13,185 8,804 -33.2% Reinsurance commission 59 68 78 94 68 89 30.9% Reserves 11,304 10,745 9,312 8,980 9,155 2,238 -75.6% Claims 1,329 2,210 2,769 5,740 3,191 5,691 78.3% Commission 873 720 888 945 770 785 1.9% Others 0 0 0 2 1 1 -- Operating Expenses (655) (730) (752) (783) (581) (658) 13.3% Profit/Loss of Operation 215 392 601 145 248 654 163.7% Non-Operating Profit 0 0 0 0 0 0 -- Profit/Loss Before Tax 215 392 601 145 248 654 163.7% Income tax 29 94 (1) (83) (101) (121) 19.8% Net Income after tax 244 485 600 62 147 533 262.6% Key Ratios ROAE(Annualized ratio) 10.44% 14.02% 13.85% 1.91% 6.24% 23.17% 271.3% ROAA(Annualized ratio) 0.47% 0.76% 0.82% 0.08% 0.24% 0.81% 237.5% Year-over-Year Comparison Full Year Result

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First Financial Holding Co. Ltd. — Interim / Quarterly Report 2023

52222_rns_2023-12-04_7c34c0fa-a820-477e-a018-54b21be0c932.pdf

第一金證券投資論壇 第一金控2023年第三季營運報告

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內容

2023 年第三季業 務摘錄

準備迎接2024年

 銀行收入拓展、業務動能不墜 :

 準備迎接 2024 年 :

2023 年前三季財務資料

2023年第三季主要財務數字

2023年前三季營運成果

2023年上半年主要子公司*獲利表現 - 稅後淨利

2023 年前三季營運成果

金控與一銀獲利能力 - 稅後淨利

一銀 2023年前三季稅前獲利

一銀 2023年第三季放款結構

一銀放款結構 -季度比較

一銀存放比、利差與淨利息收益率

一銀台外幣利差

一銀特定產業貸放集中度

一銀房貸分析

一銀2023年前三季淨手續費結構

一銀淨手續費收益 -季度比較

一銀2023年前三季營業費用比率

一銀2023年第三季資產品質

一銀 2023年前三季海外業務盈餘

資本適足率與核心資本

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

第一金控非合併損益表

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

第一金控資產負債表

FFHC Balance Sheet Summary in NT$ million or million shares

一 第 金控主要財務比率

FFHC Key Ratios

第一銀行損益表

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

第一銀行主要財務比率

第一銀行資產品質

FB NPL Migration in NT$ million or %

第一金證券營運報告

First Sec Income Statement Summary in NT$ million or %

第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

First Life Financial Results Summary in NT$ million or %

More from First Financial Holding Co. Ltd.

First Financial Holding Co. Ltd. Interim / Quarterly Report 2023

第一金證券投資論壇第一金控2023年第三季營運報告

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2023 `年第三季業` 務摘錄

一第金控主要財務比率