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First Financial Holding Co. Ltd. Interim / Quarterly Report 2025

Sep 2, 2025

52222_rns_2025-09-02_e0141480-f300-4205-9ad7-7614f6c62055.pdf

Interim / Quarterly Report

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第一金控

2025 年上半年營運報告

September 2, 2025

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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
人引用本份簡報資料、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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上半年獲利溫和成長

第一金2025年上半年淨利年增1.6%，達NT$139.46億元，每股盈餘NT$0.97元 2025年前六個月，獲利由銀行表現帶動，子公司第一銀行稅後淨利達NT$138.07億元 （+7.9% YoY），其它非銀行子公司加總稅後淨利為NT$7.63億元（-38.9% YoY）。

銀行獲利提升主因核心業務成長與信用成本減降

淨利收在資金成本縮減下年增4.2% ，手收則在財管業務年成長26.6%下年增6.8%，金 融商品獲利有SWAP交易收入年增11.3%之挹注、年增9.4%。核心業務之獲利成長抵銷 因調薪增加之營業費用，信用成本在提存減少下年減18.7%。

總放款穩定成長年增5.0 %

房貸年增10.0% 、大企業放款年增7.5%、中小企業授信年增1.7%，雖然外幣放款年減 2.5%，不過以原幣計價之餘額則年成長8.0%。

第一金人壽在六月釋出責任準備金NT$3.21億元

人壽子公司依據金管會六月發布之暫行措施，於六月釋出責任準備金列入盈餘以因應 新台幣匯率波動。

集團2024年「永續報告書」與「氣候相關揭露財務報告書」已經發布 請至第一金官網https://csr.firstholding.com.tw/tc/csr_report.html 及 https://csr.firstholding.com.tw/tc/tcfd_report.html 查閱。

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財務概要

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第一金主要財務數字

獲利組合1 (in NT$ mn)
證券
NT$298; 2.1%
投信
NT$82; 0.6 %
人壽
NT$179; 1.3%
AMC, NT$97; 0.7%
銀行
NT$13,807; 99.0%
其它
-NT$517; -3.7%		 經營績效(in NT$, 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
雙重槓桿比率3
1H25
13,946
8,409
4,808,110
0.97
18.27
143,795
10.52%
0.58%
129.83%
115.36%
YoY %
+1.6%
-51.9%
+4.1%
+2.1%
+0.8%
+2.5%
-0.4%
-0.02%
+7.4%
+2.9%
1H24
13,729
17,469
4,619,024
0.95
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.[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

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2025 上半年合併淨利與綜合損益 (in NT$ mn)
↑ 1.5%
↓ 17.6% ↓ 32.0%
↑ 1.6%
↓ 51.9%
2024 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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2025 上半年主要子公司稅後淨利 (in NT$ mn)
↑ 7.9% ↑ 1.6%
13,807 13,946
↓ 56.6%
298 82 179 97
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
2024 上半年主要子公司稅後淨利 (in NT$ mn)
13,729
12,799
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
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  • 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
11.46% 10.88% 9.51% 11.04% 10.92% 10.80% 9.82% 10.60% 10.52%
1
13,158 19,027 22,461 7,015 13,729 15377,9369,293,8764,13378,16808,5029,10913, 20,808 25,359 7,206 13,946
8
6M23 9M23 2023 3M24 6M24 9M24 2024 3M25 6M25
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
10.38% 10.04% 10.04% 9.92% 9.84% 9.68% 9.92%
8.89% 8.99%
23,806
21,526
18,016 19,443
12,799 13,807
12,256
6,493 6,778
6M23 9M23 2023 3M24 6M24 9M24 2024 3M25 6M25
1 9 2 1
9 M 6 M
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一銀稅前獲利結構
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 1H24 1H25 Change
32,744 淨利收 45.7% 45.1% -0.6%
30,984 +5.7% 淨手續費收益 19.6% 19.8% +0.2%
投資收益/短投 0.9% 0.6% -0.3%
投資收益/長投 0.9% 1.0% +0.1%
投資收益/其他金融商品 30.2% 31.5% +1.3%
其他 2.7% 2.0% -0.7%
1H24 1H25 淨收益 100.0% 100.0%
累積淨收益 呆帳費用(淨額) -5.2% -4.0% +1.2%
營業費用 -44.2% -44.0% +0.2%
稅前獲利結構(in NT$ mn ) 稅前獲利 50.6% 52.0% +1.4%
14,162
14,759
↑4.2%		 6,083
 9,916
6,497
↑6.8%		 3,248
10,853
2,847
↑9.4%
↓12.3%		 1,629
1,531		 13,688
14,400
↑5.2%
1H24 NII
 1H25 Net Fee

1H24
1H25		 Gains on investment

1H241H25		 provision
1H24
1H25		 recovery
1H241H25		 operating exp.

1H24
1H25
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

總放款1
總放款(in NT$ bn)
2,529.7
2,655.4
1H24
1H25
+5.0%		 總放款1
總放款(in NT$ bn)
2,529.7
2,655.4
1H24
1H25
+5.0%		 總放款1
總放款(in NT$ bn)
2,529.7
2,655.4
1H24
1H25
+5.0%		 總放款1
總放款(in NT$ bn)
2,529.7
2,655.4
1H24
1H25
+5.0%		 總放款1
總放款(in NT$ bn)
2,529.7
2,655.4
1H24
1H25
+5.0%		 總放款1
總放款(in NT$ bn)
2,529.7
2,655.4
1H24
1H25
+5.0%
1H25
消金放款
30.2%		 32.1% +1.9%
房貸
26.7%		 27.9%
其他消金
3.5%		 4.2%
法金放款
69.8%		 67.9% -1.9%
大企業放款
12.9%		 13.2%
中小企業放款2
38.0%		 36.9%
外幣放款
16.9%		 15.7%
--- 海外分行
12.2%		 11.4%
政府公營
2.0%		 2.1%
總放款1
100.0%		 100.0%
總放款結構(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
674.3
325.3
962.1
428.6
139.4
741.4
349.7
978.3
417.8
168.2
↑10.0%
↑7.5%
↑1.7%
↓2.5%
other
consumer
loan
111.2 bn
Overseas
307.5
Overseas
301.9
1H241H25
1H241H25
1H241H24
1H241H25
1H241H25
↓1.8%

  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%
2,529.7 2,570.0 2,642.9 2,671.3 2,655.4 ↓0.6%
674.3 699.8 720.6 731.6 741.4 房屋貸款 ↑1.3%
962.1 947.8 960.6 954.8 978.3 中小企業放款
大企業放款		 ↑2.5%
↑2.0%
325.3 339.7 349.3 342.8 349.7 外幣放款 ↓8.9%
139.4
428.6		 155.1
427.6		 169.1
443.3		 183.7
458.4		 168.2
417.8		 其他
2Q24 3Q24 4Q24 1Q25 2Q25

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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 & % ) 總放款 [1] 存放比
70.24% 69.08% 69.79% 69.59% 71.02% 71.11% 70.68% 70.03% 台幣 82.3%
外幣 41.6%
2,406.7 2,417.5 2,497.2 2,534.4 2,574.5 2,647.2 2,676.0 2,659.5
3Q23 2023 1Q24 2Q24 3Q24 2024 1Q25 2Q25
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.36%
1.34%
1.21% 1.20% 1.18% 1.17%
1.11% 1.11%
0.76% 0.76%
0.70% 0.70% 0.71%
0.68% 0.67% 0.67%
3Q23 2023 1Q24 2Q24 3Q24 2024 1Q25 2Q25
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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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一銀台幣利率及利差分析 (in %) 存款利率 ( 台幣 ) 放款利率 ( 台幣 ) 利差 ( 台幣 )
1.30% 1.30% 1.29%
1.26% 1.26%
2.36% 2.37% 2.36% 2.35% 2.36%
1.06% 1.07% 1.07% 1.09% 1.10%
2Q24 3Q24 4Q24 1Q25 2Q25
一銀外幣利率及利差分析 (in %) 存款利率 ( 外幣 ) 放款利率 ( 外幣 ) 利差 ( 外幣 )
2.50%
2.35%
2.21%
2.08% 2.06%
6.47% 6.33%
5.93%
5.57% 5.41%
3.97% 3.98% 3.72% 3.49% 3.35%
2Q24 3Q24 4Q24 1Q25 2Q25
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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
1,005.0
1,008.4
-0.3%
63.31%
62.62% 62.75%
61.82%
△
總存款
3,723.0 bn
+2.2% YoY
2,633.4 +3.2% 2,718.0
1H24 1H25 2023 1H24 2024 1H25
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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 (23.09%) 非製造業 (76.91%)
4.10% 塑化 營造 3.05%
批發零售 9.49%
5.22% 金屬
不動產 11.20%
5.01% 電子資訊
運輸倉儲 2.60%
3.83% 機械
金融及保險 5.28%
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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 %)
平均房貸利率
房貸逾放比 : 0.11%
新承作房貸成數
平均房貸成數
北北基
宜蘭花東
2.30% 2.29% 2.28% 2.28% 2.30% 2.9% 43.6%
高屏
64.79% 64.82% 64.86% 64.87% 64.84% 桃竹苗
11.2%
19.6%
48.24% 48.61% 48.84% 48.83% 48.86% 雲嘉南
10.0%
中彰投
12.7%
2Q24 3Q24 4Q24 1Q25 2Q25
單月新承作房貸金額 (in NT$ mn) 單月新承作房貸金額
53,503
32,467 29,628
16,175 [19,319 18,009 18,976 ]
16,811 14,080 13,452 13,885 12,480 11,514 11,918 9,035 10,226 [10,417 ] 8,985
4M24 5M24 6M24 7M24 8M24 9M24 10M24 11M24 12M24 1M25 2M25 3M25 4M25 5M25 6M25
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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 %) 淨手續費結構
項目 1H24 1H25 Change
+6.8% 6,497 財富管理 [1 ] 57.6% 68.3% +10.7%
6,083
放款相關 28.7% 18.9% -9.8%
外匯 5.6% 5.3% -0.3%
信用卡 3.0% 3.2% +0.2%
1H24 1H25
其他 [2] 5.1% 4.3% -0.8%
累積淨手續費收益
淨手續費收益 100.0% 100.0%
累積淨手續費收益結構 (in NT$ mn)
↑ 26.6%
4,436
3,503 ↓ 29.6%
1,742
1,227
342 347 183 206 313 281
1H24 1H25 1H24 1H25 1H24 1H25 1H24 1H25 1H24 1H25
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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一銀淨手續費收益 -季度比較

季度淨手續費收益(in NT$ mn)
QoQ
每季淨 2,819 2,797 3,083 3,323 3,174 ↓4.5%
手續費收益 208 167
87
132		 119
149
其他1 181
94
159		 172
95
207		 565
186
120		 166
650		 577
180
信用卡
放款相關
外匯相關		 150
610		 167
548		 168 169
財富管理2 858 857 1,121 1,219 1,150 銀行保險
↓5.7%
基金銷售
銀行保險
保管業務		 767 751 715 902 830 基金銷售
↓8.0%
2Q24 3Q24 4Q24 1Q25 2Q25

  1. 分行（含海外分行）通路手續費

  2. 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 1H24 1H25
14,400
+5.2%
淨收益 30,984 32,744
13,688 營業費用 (13,688) (14,400)
呆帳費用 ( 淨 ) (1,619) (1,316)
所得稅 (2,878) (3,221)
1H24 1H25
累積營業費用 淨利 12,799 13,807
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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
44.84% 44.18% 44.38% 45.35% 43.98%
42.06% 42.56%
17,461 17,149
15,595 15,389 15,595
13,961 14,485
6,976 6,559 7,129 6,928 7,310 7,072 7,328
4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25
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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% 819.77% 843.19%
801.27%
742.13% 745.24% 769.77%
0.18% 0.18% 0.18%
0.17% 0.17% 0.17%
0.16%
33,897 32,848 33,473 35,170 36,727 37,033 36,911
4,099 4,426 4,492 4,569 4,480 4,622 4,378
2023 1Q24 2Q24 3Q24 2024 1Q25 2Q25
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 大企業 中小企業
0.15% 0.17% 0.16% 0.17% 0.18%
0.14%
0.12%
0.10%
0.08%
0.07%
0.11%
0.10%
0.08%
0.07%
0.06% 0.02% 0.01%
0.00% 0.00% 0.00%
2Q24 3Q24 2024 1Q25 2Q25 2Q24 3Q24 2024 1Q25 2Q25
----- 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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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 %)
1H25 全行稅前獲利 : 17,028mn
21.24%
OBU/ 大中華
1H25 北美 其它海外地區 ,
海外稅前獲利 48.63% 東協 13.83% 國內市場 ,
10.78%
4,586mn 73.07%
其他
19.35% OBU/ 大中華 , 13.10%
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
23.97% 22.93% 27.67% 26.73% 26.93%
9.49%
7,997 8,455 8,573
7,873 7,804
5,569
747 3,010 1,672 2,662 2,260 2,326
1Q24 2Q24 3Q24 4Q24 1Q25 2Q25
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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 %)
集團資本適足率 法定資本適足率
128.09% 130.05% 129.83%
125.16% 126.05%
122.45%
100%
2H22 1H23 2H23 1H24 2H24 1H25
一銀資本適足率與第一類資本 (in %)
一銀資本適足率 第一類資本
15.38%
13.76% 14.26% 14.56% 13.87% 14.45%
12.32% 12.61% 12.29% 13.14%
11.80% 11.96%
2H22 1H23 2H23 1H24 2H24 1H25
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25

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附件

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第一金控合併損益表
FF HC Consolidated Income Statement Summary (in NT$ million or %)
Year-over-Year Comparison
2021
2022
2023
2024		 1H24 1H25 Change
Ne
Ne
Ne
Ga
a
Re		 t interest income
34,588
37,969
32,525
31,234
t service fee & commission
10,383
9,409
10,187
12,782
t Insurance revenue
9,525
8,980
3,147
3,671
in on financial assets meas.
3,356
3,271
19,205
19,237
t fair value through P/L
al estate investment gain
185
190
212
540		 15,825
6,215
2,345
8,951
412		 16,406
6,614
1,915
11,264
111		 3.7%
6.4%
-18.3%
25.8%
-73.1%
Ga in on financial assets at fair value
3,176
1,984
584
1,672		 379 657 73.4%
t hrough other compre. income
Inc ome from equity invest.
100
76
155
127		 75 37 -50.7%
Ex cluding gain on fin. assets measured at amort.cost
(10)
(68)
(409)
(537)		 (36) - -
Re serve of overlay approach
(43)
237
(235)
(441)		 (840) 1,036 -
Ne
As
Ot
Ne
Ne
Re
Op
Inc
Inc
Co		 t gain on F/X
877
5,300
1,158
3,535
sets impairment loss
67
(6)
(50)
(155)
hers
400
414
776
454
t Revenue
62,604
67,756
67,255
72,119
t Provision for credit losses
(3,621)
(6,577)
(5,818)
(5,763)
covered(provided) for insurance res.
(9,275)
(8,906)
(2,793)
(2,614)
erating Expense
(26,275)
(27,786)
(30,382)
(32,505)
ome from continued op. before tax
23,433
24,487
28,262
31,237
ome tax expenses
(3,694)
(3,891)
(5,801)
(5,878)
nsolidated net income
19,739
20,596
22,461
25,359		 2,458
(77)
348
36,055
(1,626)
(1,640)
(15,957)
16,832
(3,103)
13,729		 (2,369)
93
816
36,580
(1,340)
(1,115)
(16,671)
17,454
(3,508)
13,946		 -
-
134.5%
1.5%
-17.6%
-32.0%
4.5%
3.7%
13.1%
1.6%
Ot
Co		 her Items
(4,847)
(8,056)
12,440
5,659
mprehensive Income
14,892
12,540
34,901
31,018		 3,740
17,469		 (5,537)
8,409		 -
-51.9%
EP S1(NT$)
1.49
1.51
1.60
1.81		 0.95 0.97 2.1%
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

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第一金控非合併損益表

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

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Full Year Results Year-over-Year Comparison
2021 2022 2023 2024 1H24 1H25 Change
----- End of picture text -----

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|||||||||
|---|---|---|---|---|---|---|---|
|Operating revenues|20,333|21,270|23,514|26,359|14,229|14,726|3.5%|
|Income from long-term investment|20,163|21,094|23,318|26,124|14,051|14,574|3.7%|
|Other income|170|176|196|235|178|152|-14.6%|
|Operating expenses|(403)|(413)|(440)|(485)|(242)|(255)|5.4%|
|Other expenses and losses|(184)|(267)|(381)|(465)|(208)|(268)|28.8%|
|Income from continued op. before tax|19,747|20,590|22,693|25,409|13,779|14,203|3.1%|
|Net income|19,739|20,596|22,461|25,359|13,729|13,946|1.6%|
|EPS1(NT$)|1.49|1.51|1.60|1.81|0.95|0.97|2.1%|

----- End of picture text -----

  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
FF
in		 HC Balance Sheet Summary
NT$ million or million shares
2021
2022
2023
2024
Full Years Result		 Year-over-Year Comparison
1H24 1H25 Change
No
Lo
To
To
To
Co
To
To
To
Cu		 n-consolidated Balance Sheet Data
ng-term investment
tal non-consolidated assets
tal liabilities
tal shareholders' equity
nolidated Balance Sheet Data
tal consolidated assets
tal liabilities
tal shareholders' equity
rrent shares outstanding		 241,171
244,673
271,903
296,683
248,995
251,732
280,569
303,714
24,449
27,609
32,125
35,828
224,547
224,123
248,444
267,886
3,739,594
4,157,196
4,429,410
4,704,422
3,515,047
3,933,073
4,180,966
4,436,536
224,547
224,123
248,444
267,886
129,642
132,234
136,201
140,287		 282,729
295,869
41,533
254,336
4,619,024
4,364,688
254,336
140,287		 299,684
311,823
49,116
262,707
4,808,110
4,545,404
262,706
143,795		 6.0%
5.4%
18.3%
3.3%
4.1%
4.1%
3.3%
2.5%

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
2021
2022
2023
2024
0.55%
0.52%
0.52%
0.56%
8.86%
9.18%
9.51%
9.82%
Full Year Results		 Year-over-Year Comparison
1H24 1H25 Change
A
A		 ft
ft		 er
er		 -tax ROAA (Annualized ratio)
-tax ROAE (Annualized ratio)		 0.60%
10.92%		 0.58%
10.52%		 -0.02%
-0.40%
B o ok Per Share 17.32
16.95
18.24
19.10		 18.13 18.27 0.77%
C
D
G
D		 a
o
r
e		 pi
ub
ou
bt		 tal Stock
le Leverage
p CAR
Ratio1		 129,642
132,234
136,201
140,287
108.75%
110.38%
110.73%
111.97%
130.35%
125.16%
130.05%
126.05%
9.82%
10.97%
11.45%
11.80%		 140,287
112.43%
122.45%
14.04%		 143,795
115.36%
129.83%
15.75%		 2.50%
2.93%
7.38%
1.71%
  1. Non-consolidated basis

30

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第一銀行非合併損益表

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

第一銀行非合併損益表
bject to final Reviewed
Non-Consolidated Income Statement Summary
NT$ million or %
2021
2022
2023
2024
1H24
1H25
Change
nterest income
32,263
35,001
29,245
27,888
14,162
14,759
4.2%
ee income
7,969
8,103
8,919
11,962
6,083
6,497
6.8%
gain on ST invest.
1,014
1,411
1,228
1,107
263
210
-20.2%
gain on LT invest.
763
1,062
1,104
1,316
287
332
15.7%
gain on other fin. products
4,516
8,518
17,684
19,814
9,366
10,311
10.1%
r net income
337
389
540
843
823
635
-22.8%
revenue
46,862
54,484
58,720
62,930
30,984
32,744
5.7%
rating expenses
(22,379)
(24,210)
(26,329)
(27,926)
(13,688)
(14,400)
5.2%
provisiion pre-tax profit
24,483
30,274
32,391
35,004
17,296
18,344
6.1%
ision expense
(6,578)
(9,025)
(11,305)
(9,521)
(3,248)
(2,847)
-12.3%
ustment: bad-debt recovery
3,013
2,539
5,542
3,760
1,629
1,531
-6.0%
me before tax
20,918
23,788
26,628
29,243
15,677
17,028
8.6%
ome tax
(3,266)
(3,460)
(5,102)
(5,437)
(2,878)
(3,221)
11.9%
ncome
17,652
20,328
21,526
23,806
12,799
13,807
7.9%
er items
(4,425)
(3,945)
8,526
5,336
2,707
(4,602)
-
prehensive income
13,227
16,382
30,052
29,142
15,506
9,205
-40.6%
(NT$)
1.86
1.99
1.95
2.16
1.04
1.12
7.7%
Year-over-Year Comparison
Full Year Results

31

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一 第 銀行主要財務比率

FB ~~Key Ratios~~

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~~
2021
2022
2023
2024
1H24
1H25
Change
to deposit spread
1.41%
1.48%
1.34%
1.17%
1.20%
1.11%
-0.09%
nterest Margin
1.01%
0.99%
0.76%
0.67%
0.70%
0.71%
0.01%
t to income ratio
47.76%
44.44%
44.84%
44.38%
44.18%
43.98%
-0.20%
to deposit ratio
69.55%
70.60%
69.08%
71.11%
69.59%
70.03%
0.44%
ratio
0.20%
0.18%
0.17%
0.17%
0.18%
0.16%
-0.02%
estic NPL ratio
0.19%
0.19%
0.14%
0.12%
0.11%
0.12%
0.01%
rseas NPL ratio
0.24%
0.10%
0.35%
0.42%
0.52%
0.44%
-0.08%
erage ratio
620.31%
709.24%
826.96%
819.77%
745.24%
843.19%
97.95%

14.21%
13.76%
14.56%
14.45%
13.87%
15.38%
1.51%
1
12.48%
11.80%
12.61%
12.29%
11.96%
13.14%
1.18%
A (Annualized)
0.51%
0.53%
0.52%
0.54%
0.58%
0.60%
0.02%
E (Annualized)
7.97%
8.95%
8.89%
8.99%
9.92%
9.92%
0.00%
Year-over-Year Comparison
Full Year Results
Full Year Results Year-over-Year Comparison
2021
2022
2023
2024		 1H24 1H25 Change
Loan
Net I
Cos
Loan
NPL
Dom		 to deposit spread
nterest Margin
t to income ratio
to deposit ratio
ratio
estic NPL ratio		 1.41%
1.48%
1.34%
1.17%
1.01%
0.99%
0.76%
0.67%
47.76%
44.44%
44.84%
44.38%
69.55%
70.60%
69.08%
71.11%
0.20%
0.18%
0.17%
0.17%
0.19%
0.19%
0.14%
0.12%		 1.20%
0.70%
44.18%
69.59%
0.18%
0.11%		 1.11%
0.71%
43.98%
70.03%
0.16%
0.12%		 -0.09%
0.01%
-0.20%
0.44%
-0.02%
0.01%
Ove rseas NPL ratio 0.24%
0.10%
0.35%
0.42%		 0.52% 0.44% -0.08%
Cov
CAR
Tier-
ROA		 erage ratio

1
A (Annualized)		 620.31%
709.24%
826.96%
819.77%
14.21%
13.76%
14.56%
14.45%
12.48%
11.80%
12.61%
12.29%
0.51%
0.53%
0.52%
0.54%		 745.24%
13.87%
11.96%
0.58%		 843.19%
15.38%
13.14%
0.60%		 97.95%
1.51%
1.18%
0.02%
ROA E (Annualized) 7.97%
8.95%
8.89%
8.99%		 9.92% 9.92% 0.00%

32

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第一銀行資產品質

FB
in N		 NPL Migration
T$ million or %		 2023
2024
4,121
4,099
6,522
6,866
1,191
2,966
5,331
3,900
(6,544)
(6,485)
4,099
4,480
29,226
33,897
11,378
9,179
(6,544)
(6,485)
(163)
136
33,897
36,727
5,542
3,760
3,405
1,940
2,083
1,765
54
55
Full Year Results		 Q1
Q2
1H24
1H25
Change
4,480
4,622
4,099
4,480
9.3%
871
957
4,575
1,828
-60.0%
938
605
1,516
1,543
1.8%
(67)
352
3,059
285
-90.7%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
4,622
4,378
4,492
4,378
-2.5%
36,727
37,033
33,897
36,727
8.3%
1,021
1,605
3,541
2,626
-25.8%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
14
(526)
217
(512)
-
37,033
36,911
33,473
36,911
10.3%
982
549
1,629
1,531
-6.0%
938
466
809
1,404
73.5%
28
66
792
94
-88.1%
16
17
28
33
17.9%
Year-over-Year Comparison
2025Quarterly		 Q1
Q2
1H24
1H25
Change
4,480
4,622
4,099
4,480
9.3%
871
957
4,575
1,828
-60.0%
938
605
1,516
1,543
1.8%
(67)
352
3,059
285
-90.7%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
4,622
4,378
4,492
4,378
-2.5%
36,727
37,033
33,897
36,727
8.3%
1,021
1,605
3,541
2,626
-25.8%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
14
(526)
217
(512)
-
37,033
36,911
33,473
36,911
10.3%
982
549
1,629
1,531
-6.0%
938
466
809
1,404
73.5%
28
66
792
94
-88.1%
16
17
28
33
17.9%
Year-over-Year Comparison
2025Quarterly		 Q1
Q2
1H24
1H25
Change
4,480
4,622
4,099
4,480
9.3%
871
957
4,575
1,828
-60.0%
938
605
1,516
1,543
1.8%
(67)
352
3,059
285
-90.7%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
4,622
4,378
4,492
4,378
-2.5%
36,727
37,033
33,897
36,727
8.3%
1,021
1,605
3,541
2,626
-25.8%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
14
(526)
217
(512)
-
37,033
36,911
33,473
36,911
10.3%
982
549
1,629
1,531
-6.0%
938
466
809
1,404
73.5%
28
66
792
94
-88.1%
16
17
28
33
17.9%
Year-over-Year Comparison
2025Quarterly		 Q1
Q2
1H24
1H25
Change
4,480
4,622
4,099
4,480
9.3%
871
957
4,575
1,828
-60.0%
938
605
1,516
1,543
1.8%
(67)
352
3,059
285
-90.7%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
4,622
4,378
4,492
4,378
-2.5%
36,727
37,033
33,897
36,727
8.3%
1,021
1,605
3,541
2,626
-25.8%
(729)
(1,201)
(4,182)
(1,930)
-53.8%
14
(526)
217
(512)
-
37,033
36,911
33,473
36,911
10.3%
982
549
1,629
1,531
-6.0%
938
466
809
1,404
73.5%
28
66
792
94
-88.1%
16
17
28
33
17.9%
Year-over-Year Comparison
2025Quarterly
1H24 1H25 Change
NPL-
Ne


Ne
NPL-
Allow
Pro
Ne
Ot
Allow
Reco



1. No		 beginning
t new NPL influx
Domestic
Overseas
t write-offs
ending balance
ance for loan loss- beginning
visions for loan loss
t write-offs
hers
ance for loan loss- ending
very from bad debt
Domestic
Overseas
Credit card
n-consolidated basis		 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		 4,480
1,828
1,543
285
(1,930)
4,378
36,727
2,626
(1,930)
(512)
36,911
1,531
1,404
94
33		 9.3%
-60.0%
1.8%
-90.7%
-53.8%
-2.5%
8.3%
-25.8%
-53.8%
-
10.3%
-6.0%
73.5%
-88.1%
17.9%

33

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一 第 金證券營運報告

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

2021
2022
2023
2024
Full Year Results		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1H24 1H25 Change
-29.8%
-23.1%
18.4%
-64.6%
-78.9%
45.2%
-8.3%
12.7%
-53.6%
-29.9%
-56.6%
Tota
Bro
Net
Und
Tra
Oth
Tota
Non-		 l operating income
kerage commission
interest income
erwriting commission
nsaction gains through F/V, net
er operating income
l operating expenses
operating income		 3,508
1,929
2,745
3,200
2,255
1,382
1,499
2,051
383
286
196
278
132
78
54
192
555
(63)
687
447
183
246
309
232
(1,879)
(1,488)
(1,714)
(1,953)
83
74
114
117		 1,681
1,041
125
48
374
93
(963)
55		 1,180
801
148
17
79
135
(883)
62
Inco
Inco		 me before tax
me tax		 1,712
515
1,145
1,364
(216)
(112)
(167)
(181)		 773
(87)		 359
(61)
Net i ncome 1,496
403
978
1,183		 686 298
Firs t Sec Key Ratios
ROA
ROA
Brok
Marg		 E (Annualized)
A (Annualized)
erage market share
in loan market share		 19.79%
5.22%
12.26%
13.11%
4.18%
1.19%
3.01%
2.86%
1.43%
1.38%
1.34%
1.26%
2.30%
2.35%
2.29%
2.18%		 15.42%
3.28%
1.28%
2.14%		 6.46%
1.34%
1.21%
2.23%
  1. Non-consolidated basis

34

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

Full Yeart Results Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2021 2022 2023 2024 1H24 1H25 Change
Total operating income 682 649 707 786 384 398 3.6%
Management fee 656 629 692 756 369 388 5.1%
Sales service fee 26 20 15 30 15 10 -33.3%
Operating expenses (564) (552) (571) (609) (293) (298) 1.7%
Non-operating income 12 (1) 7 7 3 2 -33.3%
Income before tax 130 96 143 184 94 102 8.5%
Income tax (24) (20) (28) (36) (18) (20) 11.1%
Net income 105 76 115 148 76 82 7.9%
FSITC Key Ratios
AUM 112,979 100,051 125,552 141,505 127,092 160,442 26.2%
AUM Ranking 13 15 14 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 %

==> picture [660 x 307] intentionally omitted <==

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

Full Year Result Year-over-Year Comparison
2021 2022 2023 2024 1H24 1H25 Change
Operating Revenue 14,401 16,689 13,400 15,514 7,987 8,048 0.8%
Premium Income 12,429 14,911 11,304 12,610 6,590 7,061 7.1%
Other Insurance Income 252 208 203 192 105 68 -35.2%
Net Investment Income 1,720 1,570 1,893 2,712 1,292 919 -28.9%
Operating Cost 13,047 15,761 12,101 14,016 7,355 7,458 1.4%
Reinsurance Commission 78 94 118 134 61 81 32.8%
Reserves 9,312 8,980 2,845 2,640 1,651 1,149 -30.4%
Claims 2,769 5,740 7,967 8,754 4,160 5,017 20.6%
Commission 888 945 1,170 2,487 1,483 1,210 -18.4%
Others 0 2 1 1 0 1 --
Operating Expenses (752) (783) (898) (1,012) (523) (553) 5.7%
Profit/Loss Before Tax 601 145 401 486 109 37 -66.1%
Income Tax (1) (83) 35 95 66 142 115.2%
Net Income after tax 600 62 436 581 175 179 2.3%
Key Ratios
ROAE(Annualized ratio) 13.85% 1.91% 12.92% 10.20% 6.10% 6.02% -0.1%
ROAA(Annualized ratio) 0.82% 0.08% 0.50% 0.62% 0.38% 0.38% 0.0%
----- End of picture text -----

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