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First Financial Holding Co. Ltd. Interim / Quarterly Report 2024

Sep 10, 2024

52222_rns_2024-09-10_fd8f4d10-edbe-4bfa-96a3-01faf6a029b0.pdf

Interim / Quarterly Report

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第一金證券投資論壇 第一金控2024年上半年營運報告

Sep. 10, 2024 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

  • 財務概要

  • 營運成果

  • 附件

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業 務摘錄

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上半年獲利攀升

集團上半年淨利年增4.3%

在銀行子公司上半年稅後淨利創新高達NT$127.99億元且其他子公司獲利共同成長下，集團 上半年稅後淨利高達NT$137.29億元，每股盈餘NT$0.98元。房市與股市升溫及風險意識提高 乃第二季大環境主軸，在台灣央行緊縮信用後，關注焦點轉向美國聯準會降息決策。

手續費收入續增及信用成本減降推升銀行獲利

手續費表現持續強韌、彌補銀行在淨利息收入及金融商品收益的下滑，前六月淨收益達 NT$309.84億元，年成長2.8%，在商用不動產逾放減緩下，較低的信用成本使銀行稅後淨利 年增4.4%。

熱絡的房貸與大企業務推升放款動能 ， 中小企業與外幣貸款增長較緩

總放款年成長8.1%，其中，房貸業務與大企業的貸款需求強勁，中小企業放款雖尚未回復過 往常態、然逐漸增溫，而外幣需求則仍受制於美元利率過高而擴張有限。

SBTi今年六月驗證認可集團淨零碳排目標

自基準年2022年起至2035年，範疇1及2之溫室氣體排放量目標減少63%，範疇3投融資活動 目標涵蓋總投資與貸款之17%，包括2023年「氣候相關財務揭露報告書」及「永續報告書」 。 等相關訊息，請參考 https://csr.firstholding.com.tw/en/

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財務概要

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第一金主要財務數字

銀行
NT$12,799; 93.2%
證券
NT$686; 5.0%
投信
NT$76; 0.6 %
其他
-NT$79; -0.6%
人壽
NT$175; 1.3%
獲利組合1 ( in NT$ mn)
AMC
NT$72; 0.5%		 經營績效( in NT$ dollar, NT$ mn )
稅後淨利1
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
YoY %
+4.3%
-20.3%
+8.4%
+4.3%
+4.9%
+3.0%
-4.7%
-3.2%
-4.4%
+1.2%
1H23
13,158
21,914
4,259,284
0.94
17.29
136,201
11.46%
0.62%
128.09%
111.06%
1H24
13,729
17,469
4,619,024
0.98
18.13
140,287
10.92%
0.60%
122.45%
112.43%

1.[合併沖銷後之金額]

2.[年化後數字]

3.[每半年更新]

4.[雙重槓桿比率] =[股權投資] /[股東權益]

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第一金稅後淨利與綜合損益

2024 上半年合併淨利與綜合損益 (in NT$ mn) 2023 上半年合併淨利與綜合損益 (in NT$ mn)

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子公司獲利表現*

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2024 上半年主要子公司稅後淨利 (in NT$ mn)
↑ 4.3%
↑ 4.4%
13,729
12,799
↑ 3.3%
↑ 33.3% ↓ 27.1%
686 76 175 72
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
2023 上半年主要子公司稅後淨利 (in NT$ mn)
13,158
12,256
664 57 240 80
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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營運成果

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第一金與一銀獲利能力

  • 稅後淨利

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第一金淨利 & 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
9.36% 9.91% 9.18% 11.52% 11.46% 10.88% 9.51% 11.04% 10.92%
1
10,236 16,428 20,596 6,630 13,15815377,9369,293,8764,13378,16808,5029,10913, 19,027 22,461 7,015 13,729
8
6M22 9M22 2022 3M23 6M23 9M23 2023 3M24 6M24
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% 9.53% 8.95% 10.72% 10.38% 10.04% 8.89% 10.04% 9.92%
20,328 21,526
18,016
16,023
12,256 12,799
10,123
6,320 6,493
6M22 9M22 2022 3M23 6M23 9M23 2023 3M24 6M24
1 9 2 1
9 M 6 M
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一銀稅前獲利結構

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||||||||||
|---|---|---|---|---|---|---|---|---|
|累積淨收益|(in NT$ mn or %)|一銀各項淨收益及費用佔比分析|(in %)|
|項目|1H23|1H24|Change|
|淨利收|48.0%|45.7%|-2.3%|
|30,984|
|淨手續費收益|14.6%|19.6%|+5.0%|
|投資收益|/|短投|2.0%|0.9%|-1.1%|
|30,151|+2.8%|投資收益|/|長投|1.2%|0.9%|-0.3%|
|投資收益|/|其他金融商品|32.3%|30.2%|-2.1%|
|其他|1.9%|2.7%|+0.8%|
|1H23|1H24|
|淨收益|100.0%|100.0%|
|累積淨收益|z|
|呆帳費用|(|淨額|)|-8.0%|-5.2%|+2.8%|
|營業費用|-42.0%|-44.2%|-2.2%|
|稅前獲利結構|(in NT$ mn )|稅前獲利|50.0%|50.6%|+0.6%|
|↓|2.2%|
|↑|8.1%|
|↑|37.8%|↓|7.2%|
|14,486|14,162|↓|14.1%|↑|18.3%|12,668|13,688|
|10,689|9,916|
|6,083|
|4,414|
|3,779|3,248|
|1,377|1,629|
|1H23|1H24|1H23 1H24 1H23 1H24|1H23 1H24 1H23 1H24 1H23 1H24|
|淨利收|淨手收|金融商品收益|呆帳費用|(|毛額|)|呆帳收回|營業費用|

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一銀放款結構

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總放款 [1] (in NT$ bn) 各類放款 [1] 結構
項目 1H23 1H24 Change
消金放款 28.8% 30.2% +1.4%
2,529.7 房貸 25.4% 26.7% +1.3%
其他消金 3.4% 3.5% +0.1%
法金放款 71.2% 69.8% -1.4%
大企業放款 11.6% 12.9% +1.3%
2,340.3
+8.1%
中小企業放款 [2] 39.6% 38.0% -1.6%
外幣放款 18.0% 16.9% -1.1%
--- 海外分行 12.6% 12.2% -0.4%
1H23 1H24
政府公營 2.0% 2.0% 0.0%
總放款 [1]
總放款 [1] 100.0% 100.0%
總放款 [1] 結構 (in NT$ bn )
↑ 3.9%
↑ 13.7%
926.4 962.1 ↑ 1.6 %
↑ 19.9%
674.3
593.3
421.7 428.6
325.3
271.3 其他消金
↑ 4.2% 127.6 139.4 89.9 bn
海外分行 海外分行
295.0 307.5
1H23 1H24 1H23 1H24 1H23 1H24 1H23 1H24 1H23 1H24
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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  1. 總放款不含催收款

  2. 中小企業放款依經濟部 ” 中小企業認定標準 ”

  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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一銀放款結構 -季度比較

一銀季度放款成長(in NT$ bn)
QoQ%
2,340.3 2,402.7 2,413.3 2,492.2 2,529.7 ↑1.5%
593.3 604.6 626.5 646.1 674.3 房屋貸款 ↑4.4%
926.5 930.7 925.8 927.9 962.1 ↑3.7%
中小企業放款
大企業放款
↑5.1%
421.7
271.3		 431.7
295.5		 401.4
317.1		 418.3
309.4		 428.6
325.3		 外幣放款 ↑2.5%
127.5 140.2 142.5 190.5 139.4 其他
2Q23 3Q23 4Q23 1Q24 2Q24

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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 [1] & 存放比 (in NT$ bn or % ) 總放款 [1] 存放比
73.00%
70.60% 69.99% 69.60% 70.24% 69.08% 69.79% 69.59% 台幣 79.8%
外幣 42.5%
2,271.5 2,322.6 2,373.9 2,344.4 2,406.7 2,417.5 2,497.2 2,534.4
3Q22 2022 1Q23 2Q23 3Q23 2023 1Q24 2Q24
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.46% 1.48%
1.36% 1.34% 1.36% 1.34%
1.21% 1.20%
1.02%
0.99%
0.77% 0.76% 0.76% 0.76%
0.70% 0.70%
3Q22 2022 1Q23 2Q23 3Q23 2023 1Q24 2Q24
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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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一銀存放款利率及利差

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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 )
1.35% 1.34%
1.31%
1.30%
1.28%
2.26% 2.27% 2.26% 2.25% 2.36%
0.91% 0.93% 0.95% 0.97% 1.06%
2Q23 3Q23 4Q23 1Q24 2Q24
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%
2.77%
2.72%
2.58% 2.50%
6.12% 6.45% 6.51% 6.40% 6.47%
3.35% 3.55% 3.79% 3.82% 3.97%
2Q23 3Q23 4Q23 1Q24 2Q24
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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
1,008.4
+8.7%
927.8
△
總存款
68.05%
$3,641.8 bn 64.09% 62.62% 63.31%
+8.1% YoY
2,440.7 +7.9% 2,633.4 2022 1H23 2023 1H24
1H'23 1H'24
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一銀特定產業貸放集中度

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特定產業貸放佔比
製造業 (23.10%) 非製造業 (76.90%)
4.09% Petro. Construction 2.91%
Wholesale/Retail 9.86%
5.42% Metal
Real Estate 12.29%
4.56% Tech.
Transportation &
2.45%
3.90% Machinery Warehousing
Banking &
5.66%
Insurance
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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 房貸逾放比 : 0.06%
平均房貸成數 平均房貸利率
北北基
43%
宜蘭花東 , 3%
2.30%
2.20% 2.19% 2.18% 2.18%
高屏 , 11%
桃竹苗
20%
64.40% 64.42% 64.53% 64.67% 64.79%
46.63% 46.78% 47.26% 47.66% 48.24% 雲嘉南 , 10%
中彰投
2Q23 3Q23 4Q23 1Q24 2Q24
13%
單月新承作房貸金額 ↑4.3%(in NT$mn)
單月新承作房貸金額
44,282 53,503
31,771
16,527 16,175 [19,319 18,009 ]
12,595 10,968 11,960 10,266 11,990 [14,482 14,992 15,451 17,480 ] 10,275
8,208
4M23 5M23 6M23 7M23 8M23 9M23 10M23 11M23 12M23 1M24 2M24 3M24 4M24 5M24 6M24
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一銀淨手續費結構

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累積淨手續費收益 (in NT$ mn or %) 淨手續費收益佔比
項目 1H23 1H24 Change
6,083 財富管理 [1 ] 56.1% 57.6% +1.5%
放款相關 24.0% 28.7% +4.7%
+37.8% 外匯 7.7% 5.6% -2.1%
4,414 信用卡 3.9% 3.0% -0.9%
1H23 1H24 其他 [2] 8.3% 5.1% -3.2%
累積手續費收益
淨手續費收益 100.0% 100.0%
累積淨手續費收益 (in NT$ mn)
↑ 41.5%
3,503
↑ 64.7%
2,475
1,742
1,058
340 342 174 183 367 313
1H23 1H24 1H23 1H24 1H23 1H24 1H23 1H24 1H23 1H24
財富管理 [1] 放款相關 外匯 信用卡 其他 [2]
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  1. 財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管

  2. 分行（含海外分行）通路手續費

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財富 管理 *

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一銀淨手續費收益

-季度比較

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淨手續費收益 (in NT$ mn)
QoQ
3,263
↓ 13.6%
2,820
2,383 2,259 2,246
每季淨手續費
收益
153
89
161
160
94
181
其他
159 1,132
信用卡 101 182 142
外匯相關 177 166 77 179 81 610
放款相關 538 139 150
499
555
保管 122
136
142 837 858 銀行保險
↑ 2.5%
691
銀行保險 551 711
752
基金銷售 595 586 498 767 基金銷售
↑ 2.0%
2Q23 3Q23 4Q23 1Q24 2Q24
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  • 分行（含海外分行）通路手續費

  • 財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管

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一銀營業費用

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累積營業費用 (in NT$ mn ) 營業費用 ( in NT$ mn)
項目 1H23 1H24
13,688
12,668 淨收益 30,151 30,984
+8.1% 營業費用 (12,668) (13,688)
呆帳費用 ( 淨 ) (2,402) (1,619)
所得稅 (2,825) (2,878)
1H23 1H24
淨利 12,256 12,799
累積營業費用
季度營業費用 & 累積營業費用佔比 ( in NT$ mn or % )
淨利收 營業費用 累積營業費用佔比
44.44% 44.84% 44.18%
43.24%
42.02% 42.06%
40.87%
14,935 15,220 14,931 14,608 13,961 15,595 15,389
7,129
6,907 6,220 6,449 6,685 6,976 6,559
2022 1Q'23 2Q'23 3Q'23 2023 1Q'24 2Q'24
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一銀資產品質

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逾放金額 , 呆帳提存準備 , 覆蓋率 , 逾放比 (in NT$ mn or % )
覆蓋率 逾放比 逾放金額 呆帳提存準備
826.96%
797.04%
709.24% 731.12% 735.70% 742.13% 745.24%
0.18% 0.18% 0.18% 0.18% 0.18%
0.17%
0.17%
29,226 30,536 30,681 31,856 33,897 32,848 33,473
4,121 4,177 4,170 3,997 4,099 4,426 4,492
2022 3M23 6M23 9M23 2023 3M24 6M24
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 房貸 大企 中小企業
0.20% 0.21%
0.11% 0.10% 0.17% 0.17% 0.17%
0.08% 0.08%
0.07%
0.07% 0.07% 0.06% 0.06% 0.06% 0.16% 0.00% 0.00% 0.00% 0.00%
2Q23 3Q23 4Q23 1Q24 2Q24 2Q23 3Q23 4Q23 1Q24 2Q24
----- End of picture text -----

1. 個人 : 包含房貸及個人非房貸

23

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一銀海外業務盈餘

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

海外分行稅前獲利分析 ( in NT$ mn or %) 全行稅前獲利分析 ( in NT$ mn or %)
1H24 全行稅前獲利 NT$15,677 mn
19.99%
OBU/大中華
其它
北美
1H24海外稅前獲利 12%
$3,757 mn 50.06% 東協 國內市場
18.63% 76%
其他
OBU/ 大中華
11.32% 12%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
23.61% 20.63% 19.54% 18.91% 23.97%
9.49%
7,804
7,849 7,873
7,232 7,002
4,545
3,010
1,853 1,258 1,205 720 747
1Q23 2Q23 3Q23 4Q23 1Q24 2Q24
----- End of picture text -----

24

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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 %)
Group CAR Statutory CAR
130.35% 130.05%
128.09%
124.07% 125.16% 122.45%
100%
2H21 1H22 2H22 1H23 2H23 1H24
一銀資本適足率與第一類資本 (in %)
FB CAR Tier 1
14.21% 13.71% 13.76% 14.26% 14.56% 13.87%
12.48% 11.69% 11.80% 12.32% 12.61% 11.96%
2H21 1H22 2H22 1H23 2H23 1H24
----- End of picture text -----

25

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附件

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第一金控合併損益表

第一金控 第一金控 第一金控 第一金控 第一金控
FFHC Consolidated Income Statement Summary (in NT$ million or %)
Year-over-Year Comparison
2020
2021
2022
2023		 1H23 1H24 Change
Net interest income
30,483
34,588
37,969
32,525
Net service fee & commission
8,853
10,383
9,409
10,187
Net Insurance revenue
10,992
9,525
8,980
3,147
Gain on financial assets meas.
5,928
3,356
3,271
19,205
at fair value through P/L
Real estate investment gain
211
185
190
212		 16,066
5,018
1,965
9,562
107		 15,825
6,215
2,345
8,951
412		 -1.5%
23.9%
19.3%
-6.4%
285.0%
Gain on financial assets at fair value
2,673
3,176
1,984
584		 810 379 -53.2%
through other compre. income
Income from equity invest.
137
100
76
155		 77 75 -2.6%
Excluding gain on fin. assets measured at amort.cost
63
(10)
(68)
(409)		 (6) (36) 500.0%
Reserve of overlay approach
39
(43)
237
(235)		 (147) (840) 471.4%
Net gain on F/X
243
877
5,300
1,158
Assets impairment loss
(42)
67
(6)
(50)
Others
(12)
400
414
776
Net Revenue
59,568
62,604
67,756
67,255
Net Provision for credit losses
(4,511)
(3,621)
(6,577)
(5,818)
Recovered(provided) for insurance res.
(10,707)
(9,275)
(8,906)
(2,793)
Operating Expense
(24,730)
(26,275)
(27,786)
(30,382)
Income from continued op. before tax
19,620
23,433
24,487
28,262
Income tax expenses
(2,812)
(3,694)
(3,891)
(5,801)
Consolidated net income
16,808
19,739
20,596
22,461		 1,056
(38)
687
35,157
(2,436)
(1,806)
(14,633)
16,282
(3,124)
13,158		 2,458
(77)
348
36,055
(1,626)
(1,640)
(15,957)
16,832
(3,103)
13,729		 132.8%
102.6%
-49.3%
2.6%
-33.3%
-9.2%
9.0%
3.4%
-0.7%
4.3%
Other Items
(2,248)
(4,847)
(8,056)
12,440
Comprehensive Income
14,559
14,892
12,540
34,901		 8,756
21,914		 3,740
17,469		 -57.3%
-20.3%
EPS1(NT$)
1.30
1.49
1.51
1.65		 0.94 0.98 4.3%
1. EPS is adjusted retroactively for stock dividends paid the next year.
  1. EPS is adjusted retroactively for stock dividends paid the next year.

27

第一金控非合併損益表

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FFHC Non-Consolidated Income Statement Summary in NT$ million, NT$, or %

Full Year Results Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2020 2021 2022 2023 1H23 **1H24 ** Change
Operating revenues 17,333 20,333 21,270 23,514 13,554 14,229 5.0%
Income from long-term investment 17,146 20,163 21,094 23,318 13,404 14,051 4.8%
Other income 187 170 176 196 150 178 18.7%
Operating expenses (378) (403) (413) (440) (225) (242) 7.6%
Other expenses and losses (201) (184) (267) (381) (180) (208) 15.6%
Income from continued op. before tax 16,753 19,747 20,590 22,693 13,149 13,779 4.8%
Net income 16,808 19,739 20,596 22,461 13,158 13,729 4.3%
EPS1(NT$) 1.30 1.49 1.51 1.65 0.94 0.98 4.3%
  1. EPS is adjusted retroactively for stock dividends paid the next year.

28

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一 第 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
2020
2021
2022
2023		 1H23 1H24 Change
N
Lo
T
T
T
C
T
T
T
C		 on-consolidated Balance Sheet Data
ng-term investment
otal non-consolidated assets
otal liabilities
otal shareholders' equity
onolidated Balance Sheet Data
otal consolidated assets
otal liabilities
otal shareholders' equity
urrent shares outstanding		 234,703
241,171
244,673
271,903
243,926
248,995
251,732
280,569
22,719
24,449
27,609
32,125
221,207
224,547
224,123
248,444
3,494,502
3,739,594
4,157,196
4,429,410
3,273,295
3,515,047
3,933,073
4,180,966
221,207
224,547
224,123
248,444
128,358
129,642
132,234
136,201		 258,472
273,299
37,841
235,458
4,259,284
4,023,826
235,458
136,201		 282,729
295,869
41,533
254,336
4,619,024
4,364,688
254,336
140,287		 9.4%
8.3%
9.8%
8.0%
8.4%
8.5%
8.0%
3.0%

29

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第一金控主要財務比率

FFHC Key Ratios

F H H H H H H
2020
2021
2022
2023
0.50%
0.55%
0.52%
0.52%
7.62%
8.86%
9.18%
9.51%
17.23
17.32
16.95
18.24
128,358
129,642
132,234
136,201
107.55%
108.75%
110.38%
110.73%
125.21%
130.35%
125.16%
130.05%
9.31%
9.82%
10.97%
11.45%
Full Year Results		 Year-over-Year Comparison
1H23 **1H24 ** Change
A
A
B
C
D
G
D		 ft
ft
o
a
o
r
e		 er
er
ok
pi
u
ou
bt		 -tax ROAA (Annualized ratio)
-tax ROAE (Annualized ratio)
Per Share
tal Stock
ble Leverage1
p CAR
Ratio2		 0.62%
11.46%
17.29
136,201
111.06%
128.09%
13.85%		 0.60%
10.92%
18.13
140,287
112.43%
122.45%
14.04%		 -3.2%
-4.7%
4.9%
3.0%
1.2%
-4.4%
1.4%
.
 D
  1. Double leverage ratio = Long-term investment / Equity 2. Non-consolidated basis

30

第一銀行非合併損益表

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FB Non-Consolidated Income Statement Summary in NT$ million or %

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

Full Year Results Year-over-Year Comparison
2020 2021 2022 2023 1H23 1H24 Change
Net interest income 28,534 32,263 35,001 29,245 14,486 14,162 -2.2%
Net fee income 7,328 7,969 8,103 8,919 4,414 6,083 37.8%
Net gain on ST invest. 655 1,014 1,411 1,228 597 263 -55.9%
Net gain on LT invest. 826 763 1,062 1,104 351 287 -18.2%
Net gain on other fin. products 6,710 4,516 8,518 17,684 9,741 9,366 -3.8%
Other net income 81 337 389 540 562 823 46.4%
Net revenue 44,134 46,862 54,484 58,720 30,151 30,984 2.8%
Operating expenses (21,350) (22,379) (24,210) (26,329) (12,668) (13,688) 8.1%
Pre-provisiion pre-tax profit 22,785 24,483 30,274 32,391 17,483 17,296 -1.1%
Provision expense (7,900) (6,578) (9,025) (11,305) (3,779) (3,248) -14.1%
Adjustment: bad-debt recovery 3,471 3,013 2,539 5,542 1,377 1,629 18.3%
Income before tax 18,356 20,918 23,788 26,628 15,081 15,677 4.0%
Income tax (2,673) (3,266) (3,460) (5,102) (2,825) (2,878) 1.9%
Net income 15,683 17,652 20,328 21,526 12,256 12,799 4.4%
Other items (1,974) (4,425) (3,946) 8,526 5,516 2,707 -50.9%
Comprehensive income 13,709 13,227 16,382 30,052 17,772 15,506 -12.8%
EPS(NT$) 1.73 1.86 1.99 2.11 1.11 1.16 4.5%
----- End of picture text -----

31

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一 第 銀行主要財務比率
~~F~~ ~~B Key Ratios~~
Full Year Results Year-over-Year Comparison
2020
2021
2022
2023		 1H23 1H24 Change
Lo
Ne
C
Lo
NP
D
O
C
C
Ti
R
R		 an to deposit spread
t Interest Margin
ost to income ratio
an to deposit ratio
L ratio
omestic NPL ratio
verseas NPL ratio
overage ratio
AR
er-1
OAA (Annualized)
OAE (Annualized)		 1.40%
1.41%
1.48%
1.34%
1.00%
1.01%
0.99%
0.76%
48.38%
47.76%
44.44%
44.84%
71.04%
69.55%
70.60%
69.08%
0.24%
0.20%
0.18%
0.17%
0.24%
0.19%
0.19%
0.14%
0.20%
0.24%
0.10%
0.35%
527.32%
620.31%
709.24%
826.96%
13.63%
14.21%
13.76%
14.56%
11.66%
12.48%
11.80%
12.61%
0.49%
0.51%
0.53%
0.52%
7.16%
7.97%
8.95%
8.89%		 1.34%
0.76%
42.02%
69.60%
0.18%
0.17%
0.24%
735.70%
14.26%
12.32%
0.60%
10.38%		 1.20%
0.70%
44.18%
69.59%
0.18%
0.11%
0.52%
745.24%
13.87%
11.96%
0.58%
9.92%		 -10.4%
-7.9%
5.1%
0.0%
0.0%
-35.3%
116.7%
1.3%
-2.7%
-2.9%
-3.3%
-4.4%

32

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FB NPL Migration in NT$ million or %

第一銀行資產品質

2022
2023
4,033
4,121
4,443
6,522
3,281
1,191
1,162
5,331
(4,355)
(6,544)
4,121
4,099
25,014
29,226
8,226
11,378
(4,355)
(6,544)
341
(163)
29,226
33,897
2,540
5,542
2,463
3,405
31
2,083
46
54
Full Year Results		 Q1
Q2
1H23
1H24
Change
4,099
4,426
4,121
4,099
-0.5%
3,502
1,073
2,879
4,575
58.9%
531
985
644
1,516
135.4%
2,971
88
2,235
3,059
36.9%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
4,426
4,492
4,170
4,492
7.7%
33,897
32,848
29,226
33,897
16.0%
1,963
1,578
4,240
3,541
-16.5%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
163
54
45
217
382.2%
32,848
33,473
30,681
33,473
9.1%
446
1,183
1,377
1,629
18.3%
404
404
1,197
809
-32.4%
29
762
153
792
417.6%
13
15
27
28
3.7%
Year-over-Year Comparison
2024 Quarterly		 Q1
Q2
1H23
1H24
Change
4,099
4,426
4,121
4,099
-0.5%
3,502
1,073
2,879
4,575
58.9%
531
985
644
1,516
135.4%
2,971
88
2,235
3,059
36.9%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
4,426
4,492
4,170
4,492
7.7%
33,897
32,848
29,226
33,897
16.0%
1,963
1,578
4,240
3,541
-16.5%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
163
54
45
217
382.2%
32,848
33,473
30,681
33,473
9.1%
446
1,183
1,377
1,629
18.3%
404
404
1,197
809
-32.4%
29
762
153
792
417.6%
13
15
27
28
3.7%
Year-over-Year Comparison
2024 Quarterly		 Q1
Q2
1H23
1H24
Change
4,099
4,426
4,121
4,099
-0.5%
3,502
1,073
2,879
4,575
58.9%
531
985
644
1,516
135.4%
2,971
88
2,235
3,059
36.9%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
4,426
4,492
4,170
4,492
7.7%
33,897
32,848
29,226
33,897
16.0%
1,963
1,578
4,240
3,541
-16.5%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
163
54
45
217
382.2%
32,848
33,473
30,681
33,473
9.1%
446
1,183
1,377
1,629
18.3%
404
404
1,197
809
-32.4%
29
762
153
792
417.6%
13
15
27
28
3.7%
Year-over-Year Comparison
2024 Quarterly		 Q1
Q2
1H23
1H24
Change
4,099
4,426
4,121
4,099
-0.5%
3,502
1,073
2,879
4,575
58.9%
531
985
644
1,516
135.4%
2,971
88
2,235
3,059
36.9%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
4,426
4,492
4,170
4,492
7.7%
33,897
32,848
29,226
33,897
16.0%
1,963
1,578
4,240
3,541
-16.5%
(3,175)
(1,007)
(2,830)
(4,182)
47.8%
163
54
45
217
382.2%
32,848
33,473
30,681
33,473
9.1%
446
1,183
1,377
1,629
18.3%
404
404
1,197
809
-32.4%
29
762
153
792
417.6%
13
15
27
28
3.7%
Year-over-Year Comparison
2024 Quarterly
1H23 1H24 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		 4,121
2,879
644
2,235
(2,830)
4,170
29,226
4,240
(2,830)
45
30,681
1,377
1,197
153
27		 4,099
4,575
1,516
3,059
(4,182)
4,492
33,897
3,541
(4,182)
217
33,473
1,629
809
792
28		 -0.5%
58.9%
135.4%
36.9%
47.8%
7.7%
16.0%
-16.5%
47.8%
382.2%
9.1%
18.3%
-32.4%
417.6%
3.7%
  1. Non-consolidated basis

33

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一 ~~第 金證券營運報告~~

First Sec. Income Statement Summary in NT$ million or %

2020
2021
2022
2023
Full Year Results		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1H23 1H24 Change
6.7%
55.8%
47.1%
182.4%
-41.0%
-45.9%
12.4%
5.8%
0.3%
-18.7%
3.3%
To
B
N
U
T
O
To
No
Inc
Inc
Ne		 tal operating income
rokerage commission
et interest income
nderwriting commission
ransaction gains through F/V, net
ther operating income
tal operating expenses
n-operating income
ome before tax
ome tax
t income		 2,273
3,508
1,929
2,745
1,351
2,255
1,382
1,499
242
383
286
196
77
132
78
54
476
555
(63)
687
127
183
246
309
(1,489)
(1,879)
(1,488)
(1,714)
80
83
74
114
864
1,712
515
1,145
(120)
(216)
(112)
(167)
744
1,496
403
978		 1,576
668
85
17
634
172
(857)
52
771
(107)
664		 1,681
1,041
125
48
374
93
(963)
55
773
(87)
686
Fi rst Sec Key Ratios -10.8%
-5.7%
-7.9%
-7.0%
R
R		 OAE (Annualized)
OAA (Annualized)		 11.05%
19.79%
5.22%
12.26%
2.81%
4.18%
1.19%
3.01%		 17.28%
3.48%		 15.42%
3.28%
Br
Ma		 okerage market share
rgin loan market share		 1.46%
1.43%
1.38%
1.34%
2.40%
2.30%
2.35%
2.29%		 1.39%
2.30%		 1.28%
2.14%

1. Non-consolidated basis

34

第一金投信營運報告

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FSITC Income Statement Summary in NT$ million or %

in NT$ million or %
Full Yeart Results Year-over-Year Comparison
2020 2021 2022 2023 1H23 1H24 Change
Total operating income 617 682 649 707 343 384 12.0%
Management fee 584 656 629 692 335 369 10.1%
Sales service fee 33 26 20 15 8 15 87.5%
Operating expenses (532) (564) (552) (571) (275) (293) 6.5%
Non-operating income 8 12 (1) 7 3 3 0.0%
Income before tax 93 130 96 143 71 94 32.4%
Income tax (18) (24) (20) (28) (14) (18) 28.6%
Net income 76 105 76 115 57 76 33.3%
FSITC Key Ratios
AUM 108,605 112,979 100,051 125,552 100,436 127,092 26.5%
AUM Ranking 11 13 15 14 14 14
1. Non-consolidated basis

35

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第一金人壽營運報告
First Life Income Statement Summary
in NT$ million or %
Full Year Result Year-over-Year Comparison
2020
2021
2022
2023		 1H23 1H24 Change
Operating Revenue
Premium Income
Other Insurance Income
Net Investment Income
Operating Cost
Reinsurance Commission
Reserves
Claims
Commission
Others
Operating Expenses
Profit/Loss Before Tax
Income Tax
Net Income after tax		 14,865
14,401
16,689
13,400
13,330
12,429
14,911
11,304
256
252
208
203
1,279
1,720
1,570
1,893
13,743
13,047
15,761
12,101
68
78
94
118
10,745
9,312
8,980
2,845
2,210
2,769
5,740
7,967
720
888
945
1,170
0
0
2
1
(730)
(752)
(783)
(898)
392
601
145
401
94
(1)
(83)
35
485
600
62
436		 6,772
5,720
98
954
6,072
60
1,845
3,647
520
0
(421)
279
(39)
240		 7,987
6,590
105
1,292
7,355
61
1,651
4,160
1,483
0
(523)
109
66
175		 17.9%
15.2%
7.1%
35.4%
21.1%
1.7%
-10.5%
14.1%
185.2%
--
24.2%
-60.9%
--
-27.1%
Key Ratios
ROAE(Annualized ratio)
ROAA(Annualized ratio)		 14.02%
13.85%
1.91%
12.92%
0.76%
0.82%
0.08%
0.50%		 15.26%
0.56%		 6.10%
0.38%		 -60.0%
-32.1%

36

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