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

Sep 6, 2023

52222_rns_2023-09-06_20e4cee9-756d-4d7a-a7b8-7e6657bacd60.pdf

Interim / Quarterly Report

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高盛證券2023年中國投資論壇 第一金控2023年上半年營運報告

Sep. 7~8, 2023 網路

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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 年上半年業 務摘錄

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 第一金 2023 年上半年獲利維持強勁表現 :

景氣循環中受惠

2023年上半年集團稅後獲利達 NT$131.58 億元(+28.5%,YoY)，各子公司均展現 強韌獲利績效，銀行子公司亦達到NT$122.56 億元(+21.1%,YoY)的半年新高，大 幅超越去年同期表現。

 受惠景氣循環之動能推升 :

2023年上半年因台美利差持續，SWAP收益仍為獲利動能之一；台灣於第二季度 停止升息，國內客戶之貸款成本稍有緩和跡象。

2023 年第二季之手續費收入快速彈升 :

第二季度之營運亮點係手續費收入，尤以財富管理相關手續費收益為焦點，2023 年上半年之財富管理手續費收入達到年成長+10.8%，對比第一季度尚為下滑之數 據 ( -7.7% YoY)，可見終端客戶資產配置需求轉為強勁，後市仍可期待。

 較承壓之出口動能希可自未來季度逐步恢復成長：

出口導向之科技產業上半年受去庫存化影響而承壓，但近期數據顯示隨AI 熱潮帶動投 資人目光焦點，市場已對科技業較不悲觀，產業若可恢復動能，則較可樂觀看待未來數 季度之出口與其資金需求。

 第一金 2022 年度企業永續報告：

第一金自8月起已上傳2022年度企業永續報告，請投資人上官網查閱。 www.ffhc.com.tw

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2023 年上半年財務資料

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2023年上半年主要財務數字

2023年上半年獲利組合1 ( in NT$ mn)
銀行
NT$12,256; 93.1%
證券
NT$664;5.1%
投信
NT$57; 0.4 %
其他
NT$(139); -1.0%
人壽
NT$240; 1.8%
AMC
NT$80; 0.6%		 經營績效( in NT$ 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
1H'22
10,2361
1,232
3,966,589
0.75
16.09
132,234
9.36%
0.54%
124.07%
110.79%
YoY %
+28.5%
+1678.7%
+7.4%
+29.3%
+7.5%
+3.0%
+22.4%
+14.8%
+4.0%
+0.3%
1H'23
13,1581
21,914
4,259,284
0.97
17.29
136,201
11.46%
0.62%
128.09%
111.06%

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年上半年營運成果

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2023 年上半年合併淨利與綜合損益 (in NT$ mn)
↑ 8.6%
35,157 (2,436) ↑ 1,678.7%
(1,806) ↑ 28.5%
(14,634)
21,914
(3,123)
13,158
Net Revenue Credit Charge Insurance Operating Income Tax Net Income Comprehensive
Reserves Expense Income
2022 年上半年合併淨利與綜合損益 (in NT$ mn)
32,369
(1,531)
(5,575)
(12,998)
(2,029)
10,236
1,232
Net Revenue Credit Charge Insurance Operating Income Tax Net Income Comprehensive
Reserves Expense Income
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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 年上半年稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 28.5%
↑ 21.1% 13,158
12,256
↑ 268.6% ↑ 64.4% ↑ 761.4% ↑ 4.3%
664
57 240 80
First Bank First Securities FSITC First Life AMC FFHC
2022 年上半年稅後淨利 -- 主要子公司 (in NT$ mn)
10,236
10,123
180 35 28 77
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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2023 年上半年營運成果

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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%
9.70% 9.92% 8.86% 8.68% 9.36% 9.91% 9.18%
1
9
10,913 16,521 19,739 4,944 10,23615377,369,293,8764,13378,16808,5029,10913, 16,428 20,596 6,630 13,158
8
6M21 9M21 2021 3M22 6M22 9M22 2022 3M23 6M23
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
8.70% 8.92% 7.97% 8.48% 9.16% 9.53% 8.95% 10.72% 10.38%
20,328
17,652
16,023
14,779
12,256
9,491 10,123
6,320
4,817
6M21 9M21 2021 3M22 6M22 9M22 2022 3M23 6M23
1 9 2 1
9 M 6 M
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一銀 2023年上半年稅前獲利

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2023年上半年累積淨收益(in NT$ mn or %) 2023年上半年累積淨收益(in NT$ mn or %) 2023年上半年累積淨收益(in NT$ mn or %) 2023年上半年累積淨收益(in NT$ mn or %) 2023年上半年累積淨收益(in NT$ mn or %) 2023年上半年累積淨收益(in NT$ mn or %)
累積淨收益
+22.2%
24,673
30,151
1H'22
1H'23
項目
1H'22		 1H'23 Change
淨利收
72.4%		 48.0% -24.4%
淨手續費收益
17.1%		 14.6% -2.5%
投資收益/短投
1.9%		 2.0% +0.1%
投資收益/長投
0.9%		 1.2% +0.3%
投資收益/其他金融商品
6.0%		 32.3% +26.3%
其他
1.7%		 1.9% +0.2%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-6.1%		 -8.0% +1.9%
營業費用
-45.7%		 -42.0% -3.7%
2023年上半年淨收益&費用比較(in NT$ mn ) 稅前獲利
48.2%		 50.0% +1.8%
  1. 毛提存費用

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一銀 2023年上半年放款結構

2023年上半年總放款1 (in NT$ bn or %) 2023年上半年總放款1 (in NT$ bn or %) 2023年上半年總放款1 (in NT$ bn or %) 2023年上半年總放款1 (in NT$ bn or %) 2023年上半年總放款1 (in NT$ bn or %) 各類放款1結構
項目 1H’22 1H’23 Change
消金放款 28.1% 28.8% +0.7%
2,340.3 房貸 24.7% 25.4% +0.7%
其他消金 3.4% 3.4% 0.0%
法金放款 71.9% 71.2% -0.7%
2,231.8 +4.9% 大企業放款
中小企業放款2		 9.1%
40.1%		 11.6%
39.6%		 +2.5%
-0.5%
外幣放款 19.9% 18.0% -1.9%
1H’22
1H’23		 --- 海外分行 12.5% 12.6% +0.1%
總放款1 政府公營 2.8% 2.0% -0.8%
總放款1 100.0% 100.0%
2023年上半年總放款1結構(in NT$ bn )
↑3.5%
↑7.7% 926.5
895.4
F/X ↓5.2%
550.7 593.3 ↑33.7%
271.3		 444.8 421.7 Overseas↑5.5%
202.9 海外
279.5		 海外
295.0		 138.0 127.5 其他消金
79.8 bn
1H’22 1H’23 1H’22 1H’23 1H’22 1H’23 1H’22 1H’23 1H’22 1H’23
房屋貸款 大企業放款 外幣放款
中小企業放款2		 其他3

  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

138.0
110.3
101.9
182.6
127.5
444.8
465.7
434.0
416.0
421.7
202.9
224.6
274.5
274.9
271.3
895.4
905.2
930.0
912.0
926.5
550.7
561.5
577.9
584.1
593.3
2Q'22
3Q'22
4Q'22
1Q'23
2Q'23
一銀放款成長(in NT$ bn)
2,231.8
2,267.3
2,318.3
2,369.6
2,340.3
QoQ%
↓1.2%
房屋貸款↑1.6%
中小企業放款↑1.6%
大企業放款↓1.3%
外幣放款↑1.4%
房屋貸款
外幣放款
大企業放款
其他
中小企業放款
總放款		 138.0
110.3
101.9
182.6
127.5
444.8
465.7
434.0
416.0
421.7
202.9
224.6
274.5
274.9
271.3
895.4
905.2
930.0
912.0
926.5
550.7
561.5
577.9
584.1
593.3
2Q'22
3Q'22
4Q'22
1Q'23
2Q'23
2,231.8
2,267.3
2,318.3
2,369.6
2,340.3
QoQ%
↓1.2%
房屋貸款↑1.6%
中小企業放款↑1.6%
大企業放款↓1.3%
外幣放款↑1.4%

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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
71.66% 69.55% 69.68% 72.16% 73.00% 70.60% 69.99% 69.60% 台幣 78.6%
外幣 45.5%
2,032.5 2,045.2 2,128.3 2,236.2 2,271.5 2,322.6 2,373.9 2,344.4
3Q'21 2021 1Q'22 2Q'22 3Q'22 2022 1Q'23 2Q'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%
1.40% 1.41% 1.40%
1.36% 1.34%
1.00% 1.01% 1.02% 1.04% 1.02%
0.99%
0.77% 0.76%
3Q'21 2021 1Q'22 2Q'22 3Q'22 2022 1Q'23 2Q'23
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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 % ) 存款利率 ( 台幣 ) 放款利率 ( 台幣 )
利差 ( 台幣 )
1.38% 1.38%
1.36%
1.35%
1.31%
2.26%
2.15%
2.03%
1.88%
1.70%
0.91%
0.79%
0.65%
0.50%
0.39%
2Q'22 3Q'22 4Q'22 1Q'23 2Q'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 )
2.82% 2.77%
2.75%
2.51%
2.23% 5.77% 6.12%
4.99%
3.81%
3.35%
3.02%
2.79%
2.17%
1.30%
0.56%
2Q'22 3Q'22 4Q'22 1Q'23 2Q'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
927.8
-1.4%
941.3
△
2023 年上半
73.39%
年總存款 71.56% 70.99%
68.05%
+13.1% $3,368.4 bn
64.09%
2,440.7
+8.7% YoY
2,157.6
1H'21 2021 1H'22 2022 1H'23
1H'22 1H'23
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一銀特定產業貸放集中度

2023 年上半年 - 特定貸放產業佔比

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非製造業 (77.54%)
總授信餘額 [1] : NT$2,482.6bn
旅館餐飲 1.79%
製造業 (22.46%)
營造 3.03%
4.08% 塑化
批發零售 9.74%
5.51% 金屬
不動產 13.72%
3.96% 科技
運輸 2.38%
3.81% 機械
5.10% 其他製造業 銀行保險 5.88%
其他(含房貸) 41.00%
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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% (1H'23)
新承作房貸成數 44% 北北基
平均房貸成數 平均房貸利率
2.09% 2.20% 宜蘭花東
1.97%
1.84% 3%
1.69%
10%
64.49% 64.51% 64.65% 64.44% 64.40% 高屏
46.34% 46.49% 46.82% 46.60% 46.63%
20%
桃竹苗
雲嘉南 10%
2Q'22 3Q'22 2022 1Q'23 2Q'23
中彰投
13%
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 30,603 31,771
14,623 14,221
13,252 11,944 11,517 10,743 10,874 11,087 12,597 9,885 12,486 12,595 10,968
8,232 8,208
4M22 5M22 6M22 7M22 8M22 9M22 10M22 11M22 12M22 1M23 2M23 3M23 4M23 5M23 6M23
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一銀2023年上半年淨手續費結構

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2023 年上半年累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 1H’22 1H’23 Change
財富管理 [1 ] 53.0% 56.1% +3.1%
4,414
放款相關 25.7% 24.0% -1.7%
外匯 8.6% 7.7% -0.9%
+4.6%
4,219
信用卡 4.3% 3.9% -0.4%
其他 [2] 8.4% 8.3% -0.1%
1H’22 1H’23
累計手續費收益 累積淨手續費收益 100.0% 100.0%
2023 年上半年累積淨手續費收益 (in NT$ mn)
↑ 10.8%
2,475
2,234
↓ 2.3%
1,083 ↓ 6.8% ↑ 3.1%
1,058
365 340 356 367
181 174
1H’22 1H’23 1H’22 1H’23 1H’22 1H’23 1H’22 1H’23 1H’22 1H’23
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

20

財富 管理 *

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一銀淨手續費收益 -季度比較

一銀淨手續費收益
-季度比較		 一銀淨手續費收益
-季度比較
淨手續費收益(in NT$ mn)
2,101
1,869
2,015
2,031
2,383
504
390
502
506
691
118
123
123
117
122
565
452
475
520
538
192
175
163
177
92
87
103
72
102
165
197
198
208
159
445
465
595
444
433
181
2Q'22
3Q'22
4Q'22
1Q'23
2Q'23
↑17.3%
基金銷售
↑34.0%
銀行保險
↑36.6%
QoQ
QoQ
其他
*
信用卡
放款相關
保管
銀行保險
基金銷售
每季淨手續
費收益
外匯相關

  • 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2023年上半年營業費用比率

營業費用
2023年上半年累積營業費用(in NT$ mn )
11,279
12,668
1H'22
1H'23
+12.3%		 營業費用
2023年上半年累積營業費用(in NT$ mn )
11,279
12,668
1H'22
1H'23
+12.3%		 項目
1H'22
1H'23
淨收益
24,672
30,151
營業費用
(11,279)
(12,668)
呆帳費用(淨)
(1,495)
(2,402)
所得稅
(1,776)
(2,825)
淨利
10,123
12,256
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
11,684
11,580
13,092
14,877
14,935
15,220
14,931
6,440
5,518
5,761
6,024
6,907
6,219
6,449
2021
1Q'22
2Q'22
3Q'22
2022
1Q'23
2Q'23
47.65%
45.72%
43.75%
44.44%
40.86%
42.02%

22

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一銀2023年上半年資產品質

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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
709.24% 731.12% 735.70%
684.02%
620.31% 615.86%
620.39%
0.20% 0.20%
0.19%
0.18%
0.18% 0.18% 0.18%
25,014 25,745 26,229 27,527 29,226 30,536 30,681
4,033 4,180 4,228 4,024 4,121 4,177 4,170
2021 3M'22 6M'22 9M'22 2022 3M'23 6M'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
0.30% 0.28% 0.29% 0.27%
0.20%
0.13% 0.12% 0.11% 0.13% 0.11%
0.16%
0.09% 0.08% 0.07% 0.09% 0.07% 0.08% 0.08% 0.07%
0.03%
2Q'22 3Q'22 4Q'22 1Q'23 2Q'23 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23
----- End of picture text -----

  1. 個人 : 包含房貸及個人非房貸

23

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一銀 2023年上半年海外業務盈餘

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

2023 年上半年海外分行稅前獲利分析 ( in NT$ mn or %) 2023 年上半年全行稅前獲利分析 ( in NT$ mn or %)
-17.65%
2023 年上半年
稅前獲利
82.99% 國內市場 ; $15,081 mn
OBU/ 大中華 79.37%
26.17% 2023 年上半年
北美
海外稅前獲利
東協
$3,111 mn
其他
8.49%
其他海外地區 ; 大中華 ( 含 OBU);
3.51% 17.12%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
41.74%
34.69% 37.73% 37.02%
23.61%
20.63%
7,849
7,232
6,682
5,783 6,116
5,207
2,414 1,714 2,883 1,795 1,853 1,258
1Q'22 2Q'22 3Q'22 4Q'22 1Q'23 2Q'23
----- 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
135.13%
130.35% 128.09%
123.18% 125.21% 124.07% 125.16%
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% 13.76% 14.26% CAR
12.28% 12.48% 12.32% Tier 1
11.44% 11.66% 11.69% 11.80%
1H'20 2H'20 1H'21 2H'21 1H'22 2H'22 1H'23
1H'20 2H'20 1H'21 2H'21 1H'22 2H'22 1H'23
----- End of picture text -----

  • 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

25

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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 %)

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
2019
2020
2021
2022
1H'22
et interest income
29,604
30,483
34,588
37,969
19,212
et service fee & commission
8,676
8,853
10,383
9,409
4,948
et Insurance revenue
11,729
10,992
9,525
8,980
5,648
ain on financial assets meas.
9,072
5,928
3,356
3,271
(1,452)
at fair value through P/L
eal estate investment gain
138
211
185
190
103
ain on AFS financial assets
0
0
0
0
0		 1H'23
N
N
N
G

R
G		 16,066
5,017
1,965
9,562
107
0
G
 ain on financial assets at fair value
through other compre. income
1,505
2,673
3,176
1,984
1,056		 810
In come from equity invest.
125
137
100
76
39		 77
E xcluding gainon fin.assetsmeasured atamort.cost
40
63
(10)
(68)
0		 (6)
R eserve of overlay approach
(22)
39
(43)
237
297		 (147)
N
A
O
N


O
In
In
C		 et gain on F/X
1,147
243
877
5,300
2,085
ssets impairment loss
(18)
(42)
67
(6)
(6)
thers
322
(12)
400
414
439
et Revenue
62,318
59,568
62,604
67,756
32,369
Net Provision for credit losses
(3,852)
(4,511)
(3,621)
(6,577)
(1,531)
Recovered(provided) for insurance res.
(11,256)
(10,707)
(9,275)
(8,906)
(5,575)
perating Expense
(23,901)
(24,730)
(26,275)
(27,786)
(12,998)
come from continued op. before tax
23,309
19,620
23,433
24,487
12,265
come tax expenses
(3,940)
(2,812)
(3,694)
(3,891)
(2,029)
onsolidatednetincome
19,369
16,808
19,739
20,596
10,236		 1,056
(38)
688
35,157
(2,436)
(1,806)
(14,634)
16,282
(3,123)
13,158
O
C		 ther Items
7,399
(2,248)
(4,847)
(8,056)
(9,004)
omprehensive Income
26,768
14,559
14,892
12,540
1,232		 8,756
21,914
N
 et Income attributed to:
Parent
19,369
16,808
19,739
20,596
10,236		 13,158
C
 omprehensive Income attributed to:
Parent
26,768
14,559
14,892
12,540
1,232		 21,914
E PS~~1~~(NT$)
1.49
1.30
1.49
1.56
0.75		 0.97

27

第一金控非合併損益表

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FFHC Standalone Income Statement Summary in NT$ million, NT$, or %
FFHC Standalone Income Statement Summary
in NT$ million, NT$, or %
Full Year Results Year-over-Year Comparison
2019
2020
2021
2022		 1H'22 1H'23 Change
Operating revenues
Income from long-term investment
Other income1
Total revenues
Loss from long-term investment
Operating expenses
Other expenses and losses
Income from continued op. before tax
Income from continued op. after tax
Income from discontinued op., net of tax
Net income
EPS2(NT$)		 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		 10,450
142
10,592
(18)
(191)
(103)
10,279
10,236
0
10,236
0.75		 13,404
150
13,554
0
(225)
(180)
13,149
13,158
0
13,158
0.97		 28.3%
5.6%
28.0%
-
17.8%
74.8%
27.9%
28.5%
--
28.5%
29.3%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

28

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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		 1H'22 1H'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
232,903
241,223
243,926
248,995
251,732
249,646
21,490
22,719
24,449
27,609
36,832
219,733
221,207
224,547
224,123
212,814
3,206,767
3,494,502
3,739,594
4,157,196
3,966,589
2,987,034
3,273,295
3,515,047
3,933,073
3,753,775
219,733
221,207
224,547
224,123
212,814
219,733
221,207
224,547
224,123
212,814
0
0
0
0
0
124,619
128,358
129,642
132,234
132,234		 232,903
249,646
36,832
212,814
3,966,589
3,753,775
212,814
212,814
0
132,234		 258,472
273,299
37,841
235,458
4,259,284
4,023,827
235,458
235,458
0
136,201		 11.0%
9.5%
2.7%
10.6%
7.4%
7.2%
10.6%
10.6%
--
3.0%

29

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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
1H'22
1H'23
Change
0.63%
0.50%
0.55%
0.52%
0.54%
0.62%
14.8%
9.11%
7.62%
8.86%
9.18%
9.36%
11.46%
22.4%
17.63
17.23
17.32
16.95
16.09
17.29
7.5%
124,619
128,358
129,642
132,234
132,234
136,201
3.0%
107.70%
107.55%
108.75%
110.38%
110.79%
111.06%
0.2%
118.70%
125.21%
130.35%
125.16%
124.07%
128.09%
3.2%
8.91%
9.31%
9.82%
10.97%
14.75%
13.85%
-6.1%
Year-over-Year Comparison
Full Year Results
1H'22 1H'23 Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.54%
9.36%
16.09
132,234
110.79%
124.07%
14.75%		 0.62%
11.46%
17.29
136,201
111.06%
128.09%
13.85%		 14.8%
22.4%
7.5%
3.0%
0.2%
3.2%
-6.1%
  1. Double leverage ratio = Long-term investment / Equity 2. Updated semi-annually. 3. Unconsolidated basis

30

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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
1H'22
1H'23
Change
Net interest income
27,832
28,534
32,263
35,001
17,862
14,486
-18.9%
Net fee income
7,858
7,328
7,969
8,103
4,219
4,414
4.6%
Net gain on ST invest.
515
655
1,014
1,411
479
597
24.6%
Net gain on LT invest.
903
826
763
1,062
226
351
55.3%
Net gain on other fin. products
9,932
6,710
4,516
8,518
1,475
9,741
560.4%
Other net income
273
81
337
389
412
562
36.4%
Net revenue
47,313
44,134
46,862
54,484
24,673
30,151
22.2%
Operating expenses
(20,834)
(21,350)
(22,379)
(24,210)
(11,279)
(12,668)
12.3%
Pre-provisiion pre-tax profit
26,479
22,785
24,483
30,274
13,394
17,483
30.5%
Provision expense
(6,655)
(7,900)
(6,578)
(9,025)
(3,404)
(3,779)
11.0%
Adjustment: bad-debt recovery
2,898
3,471
3,013
2,539
1,909
1,377
-27.9%
Income before tax
22,722
18,356
20,918
23,788
11,899
15,081
26.7%
Income tax
(3,688)
(2,673)
(3,266)
(3,460)
(1,776)
(2,825)
59.1%
Net income
19,035
15,683
17,652
20,328
10,123
12,256
21.1%
Other items
6,450
(1,974)
(4,425)
(3,945)
(6,154)
5,517
-189.6%
Comprehensive income
25,485
13,709
13,227
16,382
3,969
17,773
347.8%
EPS
2.14
1.73
1.86
2.15
0.99
1.20
0.21
Year-over-Year Comparison
Full Year Results

31

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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
2019
2020
2021
2022
1H'22
1.59%
1.40%
1.41%
1.48%
1.44%
1.06%
1.00%
1.01%
0.99%
1.04%
44.02%
48.38%
47.76%
44.44%
45.72%
74.29%
71.04%
69.55%
70.60%
72.16%
0.24%
0.24%
0.20%
0.18%
0.19%
0.28%
0.24%
0.19%
0.19%
0.20%
0.08%
0.20%
0.24%
0.10%
0.14%
527.52%
527.32%
620.31%
709.24%
620.39%		 1H'23 Change
-6.94%
-26.92%
-8.09%
-3.55%
-5.26%
-15.00%
71.43%
18.59%
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		 1.34%
0.76%
42.02%
69.60%
0.18%
0.17%
0.24%
735.70%
CAR
Tier-1		 13.00%
13.63%
14.21%
13.76%
13.71%
11.11%
11.66%
12.48%
11.80%
11.69%		 14.26%
12.32%		 4.01%
5.39%
ROAA2
0.64%
0.49%
0.51%
0.53%
0.54%
ROAE2
8.97%
7.16%
7.97%
8.95%
9.16%
1. Loan to depoist ratio = total loan / total deposit
2 Alid fi		 0.60%
10.38%
. nnuaze gures.

32

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第一銀行資產品質

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33

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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 %

2019
2020
2021
2022
1H'22
1H'23
Change
Full Year Results
Year-over-Year Comparison		 2019
2020
2021
2022
1H'22
1H'23
Change
Full Year Results
Year-over-Year Comparison		 2019
2020
2021
2022
1H'22
1H'23
Change
Full Year Results
Year-over-Year Comparison
1H'23 Change
86.0%
56.3%
56.0%
-145.7%
117.7%
102.8%
97.1%
124.2%
124.9%
128.6%
#DIV/0!
123.9%
10.1%
21.4%
0.7%
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		 777
1,351
2,255
1,382
743
220
242
383
286
183
45
77
132
78
50
270
476
555
(63)
138
89
127
183
246
113
1,401
2,273
3,508
1,929
951
(1,172)
(1,489)
(1,879)
(1,488)
(755)
86
80
83
74
33
315
864
1,712
515
229
(43)
(120)
(216)
(112)
(49)		 668
85
17
634
172
1,576
(857)
52
771
(107)
Cummulative effect of change in
accounting principles		 0
0
0
0
0		 0
Net income 272
744
1,496
403
180		 664
First Sec Key Ratios
ROAE (Annualized)
ROAA (Annualized)
Brokerage market share
Margin loan market share		 4.28%
11.05%
19.79%
5.22%
4.74%
1.32%
2.81%
4.18%
1.19%
0.98%
1.39%
1.46%
1.43%
1.38%
1.37%
2.29%
2.40%
2.30%
2.35%
2.34%		 17.28%
3.48%
1.39%
2.30%

34

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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
1H'22
1H'23
Change
Total operating income
Management fee
615
584
656
629
304
335
10.2%
Sales service fee
28
33
26
20
11
8
-27.3%
Total operating income
643
617
682
649
315
343
8.9%
Operating expenses
(559)
(532)
(564)
(552)
(265)
(275)
3.8%
Non-operating income
21
8
12
(1)
(5)
3
-160.0%
Income before tax
105
93
130
96
45
71
57.8%
Income tax
(19)
(18)
(24)
(20)
(10)
(14)
40.0%
Income after tax
86
76
105
76
35
27
-22.9%
Cummulative effect of change in accounting principles
0
0
0
0
0
0
#DIV/0!
Net income
86
76
105
76
35
57
62.9%
y
FSITC Key Ratios
AUM
105,042
108,605
112,979
100,051
110,098
100,373
-8.8%
AUM Ranking
10
11
13
15
14
14
1. Non-consolidated basis
Year-over-Year Comparison
Full Yeart Results

35

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 %
2019
2020
2021
2022
1H'22
1H'23
Change
Income Statement Summary
Operating Revenue
14,435
14,865
14,401
16,689
8,415
6,772
-19.5%
Premium Income
13,193
13,330
12,429
14,911
7,593
5,720
-24.7%
Other insurance income
272
256
252
208
109
98
-10.1%
Net Investment Income
970
1,279
1,720
1,570
713
954
33.8%
Operating Cost
13,565
13,743
13,047
15,761
7,969
6,072
-23.8%
Reinsurance commission
59
68
78
94
45
60
33.3%
Reserves
11,304
10,745
9,312
8,980
5,610
1,845
-67.1%
Claims
1,329
2,210
2,769
5,740
1,853
3,647
96.8%
Commission
873
720
888
945
460
520
13.0%
Others
0
0
0
2
1
0 --
Operating Expenses
(655)
(730)
(752)
(783)
(368)
(421)
14.4%
Profit/Loss of Operation
215
392
601
145
78
279
257.7%
Non-Operating Profit
0
0
0
0
2
0
--
Profit/Loss Before Tax
215
392
601
145
80
279
248.8%
Income tax
29
94
(1)
(83)
(52)
(38)
-26.9%
Net Income after tax
244
485
600
62
28
240
757.1%
Key Ratios
ROAE(Annualized ratio)
10.44%
14.02%
13.85%
1.91%
1.47%
15.26%
938.1%
ROAA(Annualized ratio)
0.47%
0.76%
0.82%
0.08%
0.07%
0.56%
700.0%
Year-over-Year Comparison
Full Year Result

36

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