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

Jun 4, 2025

52222_rns_2025-06-04_39d2e740-a69e-4b4c-895d-45e250638ace.pdf

Interim / Quarterly Report

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第一金控

2025 年第一季營運報告

June 4, 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、
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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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第一季獲利在變化中維持穩健

第一金2025年第一季稅後淨利年增2.7%，達NT$72.06億元

結算每股盈餘為NT$0.51元，旗艦子公司第一銀行本季稅後淨利達NT$67.78億元（ +4.4% YoY），其它非銀行子公司之稅後淨利總計為NT$6.46億元（-0.4% YoY）。

銀行因財富管理手收、金融商品獲利與淨提存減降而獲益

銀行第一季財富管理手收年增32.3% ，金融商品收益年增8.8%（SWAP交易收入年增 14.0% YoY），填補去年同期一次性手收導致之獲利缺口，另呆帳費用大幅下降，年 減94.2%。

總放款第一季年增7.2%

房貸業務成長漸緩，年增13.2%，在美國關稅影響與供應鏈重組下，大企業放款年增 10.8%、外幣放款年增9.6%、中小企業年增2.9%。

  • 待2025年股東會決議，擬每股配發NT$0.95元現金及NT$0.25元股票股利

為利資本強化，2024年盈餘分配之現金股利配發率擬訂為52.5%。

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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)
銀行
NT$6,778; 94.0%
證券
NT$120; 1.7%
投信
NT$43; 0.6 %
其他
-NT$129; -1.8%
人壽
NT$345; 4.8%
AMC
NT$49; 0.7%		 經營績效( in NT$, 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
1Q25
7,206
8,730
4,787,845
0.51
19.70
140,287
10.60%
0.60%
133.09%
111.68%
YoY %
+2.7%
-20.0%
+5.3%
+2.0%
+3.5%
+3.0%
-4.0%
-6.3%
+2.4%
+1.2%
1Q24
7,015
10,911
4,548,915
0.50
19.04
136,201
11.04%
0.64%
129.95%
110.33%

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 年第一季合併淨利與綜合損益 (in NT$ mn)
↓ 2.4%
↑ 2.7% ↓ 20.0%
2024 年第一季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 年第一季主要子公司稅後淨利 (in NT$ mn)
↑ 4.4% ↑ 2.7%
7,206
6,778
↓ 61.7% ↑ 385.9%
120 43 345 49
First Bank First Securities FSITC First Life First AMC FFHC
2024 年第一季主要子公司稅後淨利 (in NT$ mn)
7,015
6,493
313 42 71 41
First Bank First Securities FSITC First Life First AMC FFHC
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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
11.52% 11.46% 10.88% 9.51% 11.04% 10.92% 10.80% 9.82% 10.60%
1
6,630 13,158 19,027 22,461 7,015 15377,9369,293,8764,13378,16808,5029,10913, 13,729 20,808 25,359 7,206
8
3M23 6M23 9M23 2023 3M24 6M24 9M24 2024 3M25
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
10.72% 10.38% 10.04% 8.89% 10.04% 9.92% 9.84% 8.99% 9.68%
23,806
21,526
18,016 19,443
12,256 12,799
6,320 6,493 6,778
3M23 6M23 9M23 2023 3M24 6M24 9M24 2024 3M25
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|1Q24|1Q25|Change|
|淨利收|44.7%|45.7%|+1.0%|
|15,595|淨手續費收益|20.9%|21.3%|+0.4%|
|投資收益|/|短投|0.7%|0.1%|-0.6%|
|15,595|+0.0%|投資收益|/|長投|0.9%|0.7%|-0.2%|
|投資收益|/|其他金融商品|27.3%|30.6%|+3.3%|
|其他|5.5%|1.6%|-3.9%|
|1Q24|1Q25|
|淨收益|100.0%|100.0%|
|累積淨收益|呆帳費用|z|(|淨額|)|-7.5%|-0.4%|+7.1%|
|營業費用|-42.0%|-45.4%|-3.4%|
|稅前獲利|50.5%|54.2%|+3.7%|
|稅前獲利結構|(in NT$ mn )|
|↑|2.1%|↑|7.8%|
|↑|8.8%|
|6,975|7,119|↑|1.8%|↓|34.7%|↑|120.2%|6,559|7,072|
|4,897|
|4,500|
|3,263|3,323|
|1,609|
|1,050|446|982|
|1Q24|1Q25 1Q24 1Q25|1Q24 1Q25|1Q24 1Q25|1Q24 1Q25|1Q24 1Q25|
|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 (in NT$ bn)
總放款1
2,492.2
2,671.3
1Q24
1Q25
+7.2%		 總放款1 (in NT$ bn)
總放款1
2,492.2
2,671.3
1Q24
1Q25
+7.2%		 總放款1 (in NT$ bn)
總放款1
2,492.2
2,671.3
1Q24
1Q25
+7.2%		 總放款1 (in NT$ bn)
總放款1
2,492.2
2,671.3
1Q24
1Q25
+7.2%		 總放款1 (in NT$ bn)
總放款1
2,492.2
2,671.3
1Q24
1Q25
+7.2%		 總放款1 (in NT$ bn)
總放款1
2,492.2
2,671.3
1Q24
1Q25
+7.2%
項目
1Q24		 1Q25
消金放款
29.4%		 31.3%
房貸
25.9%		 27.4% +1.5%
其他消金
3.5%		 3.9%
法金放款
70.6%		 68.7%
大企業放款
12.4%		 12.8%
中小企業放款2
37.2%		 35.8%
外幣放款
16.8%		 17.2%
--- 海外分行
12.2%		 12.3%
政府公營
4.2%		 2.9% -1.3%
總放款1
100.0%		 100.0%
總放款1結構(in NT$ bn )
房屋貸款
大企業放款
外幣放款
其他3
中小企業放款2
646.1
309.3
927.9
418.3
190.6
731.6
342.8
954.8
458.4
183.7
↑13.2%
↑10.8%
↑2.9%
↑9.6%
other
consumer
loan
105.2 bn
Overseas
304.3
↑7.6%
Overseas
327.3
1Q241Q25
1Q241Q25
1Q241Q24
1Q241Q25
1Q241Q25

  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%
2,492.2 2,529.7 2,570.0 2,642.9 2,671.3 ↑1.1%
646.1 674.3 699.8 720.6 731.6 房屋貸款 ↑1.5%
927.9 962.1 947.8 960.6 954.8 中小企業放款
大企業放款
↓0.6%
↓1.9%
418.3
309.4		 428.6
325.3		 427.6
339.7		 443.3
349.3		 458.4
342.8		 外幣放款 ↑3.4%
190.5 139.4 155.1 169.1 183.7 其他
1Q24 2Q24 3Q24 4Q24 1Q25

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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
台幣 84.1%
69.60% 70.24% 69.08% 69.79% 69.59% 71.02% 71.11% 70.68% 外幣 41.1%
2,344.4 2,406.7 2,417.5 2,497.2 2,534.4 2,574.5 2,647.2 2,676.0
2Q23 3Q23 2023 1Q24 2Q24 3Q24 2024 1Q25
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.34% 1.36%
1.34%
1.21% 1.20% 1.18%
1.17%
1.11%
0.76% 0.76% 0.76%
0.70% 0.70% 0.68% 0.67% 0.67%
2Q23 3Q23 2023 1Q24 2Q24 3Q24 2024 1Q25
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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 )
1.30% 1.30%
1.28% 1.29%
1.26%
2.25% 2.36% 2.37% 2.36% 2.35%
0.97% 1.06% 1.07% 1.07% 1.09%
1Q24 2Q24 3Q24 4Q24 1Q25
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 )
2.58%
2.50%
2.35%
2.21% 2.08%
6.40% 6.47% 6.33%
5.93%
5.57%
3.82% 3.97% 3.98% 3.72% 3.49%
1Q24 2Q24 3Q24 4Q24 1Q25
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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
1,115.3
978.1
+14.0%
△
總存款
$3,746.1 bn
62.62% 63.31% 62.75% 61.69%
+4.7% YoY
2,600.2 2,630.8 2023 1H24 2024 1Q25
+1.2%
1Q24 1Q25
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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 (23.12%) 非製造業 (76.88%)
4.11% 塑化 營造 2.92%
批發零售 9.57%
5.28% 金屬
不動產 11.32%
5.01% 電子資訊
運輸倉儲 2.55%
3.78% 機械
銀行及保險 5.35%
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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 : 0.10%
平均房貸成數 平均房貸利率
北北基
43.3%
宜蘭花東
2.30% 2.29% 2.28% 2.28% 3.0%
2.18%
高屏
桃竹苗
11.1%
64.67% 64.79% 64.82% 64.86% 64.87% 19.8%
47.66% 48.24% 48.61% 48.84% 48.83% 中彰投
雲嘉南
12.8%
10.0%
1Q24 2Q24 3Q24 4Q24 1Q25
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
39,817 32,467
17,480 16,527 16,175 [19,319 18,009 18,976 ]
10,275 16,811 14,080 13,452 13,885 12,480 11,514 11,918 9,035
1M24 2M24 3M24 4M24 5M24 6M24 7M24 8M24 9M24 10M24 11M24 12M24 1M25 2M25 3M25
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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 1Q24 1Q25 Change
3,323 財富管理 [1 ] 53.0% 68.8% +15.8%
放款相關 34.7% 19.6% -15.1%
+1.8% 外匯 4.9% 5.0% +0.1%
3,263
信用卡 2.7% 2.6% -0.1%
1Q24 1Q25 其他 [2] 4.7% 4.0% -0.7%
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 (in NT$ mn)
↑ 32.3%
2,287
1,728 ↓ 42.6%
1,132
650
161 167 89 87 153 132
1Q24 1Q25 1Q24 1Q25 1Q24 1Q25 1Q24 1Q25 1Q24 1Q25
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

財富
管理2		 季度淨手續費收益(in NT$ mn)
每季淨手續費
收益
QoQ
其他1
信用卡
放款相關
保管
銀行保險
基金銷售
外匯相關
752
767
751
715
902
837
858
857
1,121
1,219
139
150
167
168
166
1,132
610
548
565
650
161
181
172
186
167
89
94
95
120
87
153
159
207
208
132
1Q24
2Q24
3Q24
4Q24
1Q25
3,263
2,819
2,797
3,083
3,323
↑7.8%
基金銷售
↑26.2%
銀行保險
↑8.7%

  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 1Q24 1Q25
7,072
6,559 淨收益 15,595 15,595
+7.8% 營業費用 (6,559) (7,072)
呆帳費用 ( 淨 ) (1,163) (68)
所得稅 (1,380) (1,677)
1Q24 1Q25
淨利 6,493 6,778
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
44.84% 44.18% 44.38% 45.35%
43.24% 42.06% 42.56%
17,461
15,595 15,389 15,595
14,608 13,961 14,485
6,685 6,976 6,559 7,129 6,928 7,310 7,072
3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25
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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
797.04% 826.96% 742.13% 745.24% 769.77% 819.77% 801.27%
0.18% 0.18% 0.18%
0.17% 0.17% 0.17% 0.17%
31,856 33,897 32,848 33,473 35,170 36,727 37,033
3,997 4,099 4,426 4,492 4,569 4,480 4,622
3Q23 2023 1Q24 2Q24 3Q24 2024 1Q25
個人 [1] 與房貸逾放比率 (in %) 大企業與中小企業逾放比 (in %)
大企業 中小企業
個人 房貸
0.15%
0.17% 0.17% 0.16% 0.17% 0.18%
0.10%
0.08% 0.08%
0.07%
0.10%
0.08%
0.06% 0.06% 0.07% 0.00% 0.00% 0.00% 0.02% 0.01%
1Q24 2Q24 3Q24 2024 1Q25 1Q24 2Q24 3Q24 2024 1Q25
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  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 %)
1Q25 全行稅前獲利 NT$8,455 mn
24.21%
OBU/ 大中華
北美
1Q25 其它海外地區 ,
48.30%
海外稅前獲利 東協 13.82% 國內市場 ,
$2,260 mn 73.27%
12.81% 其他
14.68% OBU/ 大中華 , 12.91%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
18.91% 23.97% 22.93% 27.67% 26.73%
9.49%
8,455
7,873 7,804 7,997
5,569
4,545
3,010 2,662 2,260
720 747 1,672
4Q23 1Q24 2Q24 3Q24 4Q24 1Q25
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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
133.09%
130.05%
128.09%
125.16% 126.05%
122.45%
100%
2H22 1H23 2H23 1H24 2H24 1Q25
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
15.30%
13.76% 14.26% 14.56% 13.87% 14.45%
12.32% 12.61% 12.29% 13.11%
11.80% 11.96%
2H22 1H23 2H23 1H24 2H24 1Q25
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25

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股利分派

2020
2021
2022
2023
2024
現金股利
0.90
1.00
0.80
0.85
0.95
股票股利
0.10
0.20
0.30
0.30
0.25
總計股利
1.00
1.20
1.10
1.15
1.20
現金股利派發率
68.7%
65.8%
51.3%
51.5%
52.5%
第一金控每股盈餘與股利派發(in NT$)
每股盈餘
股利
1.00
1.20
1.10
1.15
1.20
1.31
1.56
1.52
1.65
1.81
2020
2021
2022
2023
2024
年度股利政策( in NT$)
  • 每股盈餘不按增資股數後調整

26

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附件

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第一金控合併損益表

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28

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
2021 2022 2023 2024 1Q24 1Q25 Change
Operating revenues 20,333 21,270 23,514 26,359 7,173 7,429 3.6%
Income from long-term investment 20,163 21,094 23,318 26,124 7,169 7,427 3.6%
Other income 170 176 196 235 4 2 -50.0%
Operating expenses (403) (413) (440) (485) (119) (125) 5.0%
Other expenses and losses (184) (267) (381) (465) (100) (134) 34.0%
Income from continued op. before tax 19,747 20,590 22,693 25,409 6,954 7,170 3.1%
Net income 19,739 20,596 22,461 25,359 7,015 7,206 2.7%
EPS1(NT$) 1.49 1.51 1.60 1.81 0.50 0.51 2.0%
  1. EPS is adjusted retroactively for stock dividends paid the next year.�

29

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一 第 金控資產負債表

FFHC Balance Sheet Summary in NT$ million or million shares

2021
2022
2023
2024
Full Years Result		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q24 1Q25 Change
No n-consolidated Balance Sheet Data
Lo
Tot
Tot
Tot
Co
Tot
Tot
Tot
Cu		 ng-term investment
al non-consolidated assets
al liabilities
al shareholders' equity
nolidated Balance Sheet Data
al consolidated assets
al liabilities
al 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		 282,853
291,578
32,223
259,355
4,548,915
4,289,560
259,355
136,201		 305,188
313,794
37,439
276,355
4,787,845
4,511,490
276,355
140,287		 7.9%
7.6%
16.2%
6.6%
5.3%
5.2%
6.6%
3.0%

30

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第一金控主要財務比率

FFHC Key Ratios

F H H H H H H
Full Year Results Year-over-Year Comparison
2021
2022
2023
2024		 1Q24 1Q25 Change
A
A		 ft
ft		 er-
er-		 tax ROAA (Annualized ratio)
tax ROAE (Annualized ratio)		 0.55%
0.52%
0.52%
0.56%
8.86%
9.18%
9.51%
9.82%		 0.64%
11.04%		 0.60%
10.60%		 -6.3%
-4.0%
B o ok Per Share 17.32
16.95
18.24
19.10		 19.04 19.70 3.5%
C a pit al Stock 129,642
132,234
136,201
140,287		 136,201 140,287 3.0%
D o ub le leverage 108.75%
110.38%
110.73%
111.97%		 110.33% 111.68% 1.2%
G ro u p CAR 130.35%
125.16%
130.05%
126.05%		 129.95% 133.09% 2.4%
D e bt Ratio1 9.82%
10.97%
11.45%
11.80%		 11.05% 11.93% 8.0%
  1. Non-consolidated basis

31

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第一銀行非合併損益表
FB Non-Consolidated Income Statement Summary
in NT$ million or %
Full Year Results Year-over-Year Comparison
2021
2022
2023
2024		 1Q24 1Q25 Change
Net
Net
Net
Net
Net
Oth
Net
Op
Pre
Pro
Ad
Inco
Inc
Net
Ot
Co
EP		 interest income
32,263
35,001
29,245
27,888
fee income
7,969
8,103
8,919
11,962
gain on ST invest.
1,014
1,411
1,228
1,107
gain on LT invest.
763
1,062
1,104
1,316
gain on other fin. products
4,516
8,518
17,684
19,814
er net income
337
389
540
843
revenue
46,862
54,484
58,720
62,930
erating expenses
(22,379)
(24,210)
(26,329)
(27,926)
-provisiion pre-tax profit
24,483
30,274
32,391
35,004
vision expense
(6,578)
(9,025)
(11,305)
(9,521)
justment: bad-debt recovery
3,013
2,539
5,542
3,760
me before tax
20,918
23,788
26,628
29,243
ome tax
(3,266)
(3,460)
(5,102)
(5,437)
income
17,652
20,328
21,526
23,806
her items
(4,425)
(3,946)
8,526
5,336
mprehensive income
13,227
16,382
30,052
29,142
S
1.86
1.99
1.95
2.16		 6,975
3,263
108
138
4,254
857
15,595
(6,559)
9,036
(1,609)
446
7,873
(1,380)
6,493		 7,119
3,323
18
102
4,777
256
15,595
(7,072)
8,523
(1,050)
982
8,455
(1,677)
6,778		 2.1%
1.8%
-83.3%
-26.1%
12.3%
-70.1%
0.0%
7.8%
-5.7%
-34.7%
120.2%
7.4%
21.5%
4.4%
-29.3%
-6.6%
3.4%
3,162
9,655		 2,236
9,014
0.59 0.61
Su bject to final Reviewed

32

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一 第 銀行主要財務比率
F~~B~~
Loa
Net
Cos
Loa
NP
Do
Ov
Cov
CA
Tier
RO
RO		 ~~Ke Ratios~~
~~y ~~
Full Year Results Year-over-Year Comparison
2021
2022
2023
2024
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%		 1Q24 1Q25 Change
-8.26%
-4.29%
7.82%
1.28%
-5.56%
n to deposit spread
Interest Margin
t to income ratio
n to deposit ratio
L ratio		 1.21%
0.70%
42.06%
69.79%
0.18%		 1.11%
0.67%
45.35%
70.68%
0.17%
mestic NPL ratio 0.19%
0.19%
0.14%
0.12%		 0.11% 0.14% 27.27%
erseas NPL ratio 0.24%
0.10%
0.35%
0.42%		 0.52% 0.34% -34.62%
erage ratio
R
-1		 620.31%
709.24%
826.96%
819.77%
14.21%
13.76%
14.56%
14.45%
12.48%
11.80%
12.61%
12.29%		 742.13%
14.54%
12.62%		 801.27%
15.30%
13.11%		 7.97%
5.23%
3.88%
AA (Annualized)
AE (Annualized)		 0.51%
0.53%
0.52%
0.54%
7.97%
8.95%
8.89%
8.99%		 0.60%
10.04%		 0.60%
9.68%

33

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第一銀行資產品質

FB NPL Migration in NT$ 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
Full Year Results		 Q1
Q2
Q3
Q4
1Q24
1Q25
Change
4,099
4,426
4,492
4,569
4,099
4,480
9.3%
3,502
1,073
1,527
764
3,502
871
-75.1%
531
985
500
950
531
938
76.6%
2,971
88
1,027
(186)
2,971
(67)
-
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
4,426
4,492
4,569
4,480
4,426
4,622
4.4%
33,897
32,848
33,473
35,170
33,897
36,727
8.3%
1,963
1,578
3,261
2,377
1,963
1,021
-48.0%
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
163
54
(114)
33
163
14
-91.4%
32,848
33,473
35,170
36,727
32,848
37,033
12.7%
446
1,182
568
1,564
446
982
120.2%
Year-over-Year Comparison
2024 Quarterly		 Q1
Q2
Q3
Q4
1Q24
1Q25
Change
4,099
4,426
4,492
4,569
4,099
4,480
9.3%
3,502
1,073
1,527
764
3,502
871
-75.1%
531
985
500
950
531
938
76.6%
2,971
88
1,027
(186)
2,971
(67)
-
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
4,426
4,492
4,569
4,480
4,426
4,622
4.4%
33,897
32,848
33,473
35,170
33,897
36,727
8.3%
1,963
1,578
3,261
2,377
1,963
1,021
-48.0%
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
163
54
(114)
33
163
14
-91.4%
32,848
33,473
35,170
36,727
32,848
37,033
12.7%
446
1,182
568
1,564
446
982
120.2%
Year-over-Year Comparison
2024 Quarterly		 Q1
Q2
Q3
Q4
1Q24
1Q25
Change
4,099
4,426
4,492
4,569
4,099
4,480
9.3%
3,502
1,073
1,527
764
3,502
871
-75.1%
531
985
500
950
531
938
76.6%
2,971
88
1,027
(186)
2,971
(67)
-
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
4,426
4,492
4,569
4,480
4,426
4,622
4.4%
33,897
32,848
33,473
35,170
33,897
36,727
8.3%
1,963
1,578
3,261
2,377
1,963
1,021
-48.0%
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
163
54
(114)
33
163
14
-91.4%
32,848
33,473
35,170
36,727
32,848
37,033
12.7%
446
1,182
568
1,564
446
982
120.2%
Year-over-Year Comparison
2024 Quarterly		 Q1
Q2
Q3
Q4
1Q24
1Q25
Change
4,099
4,426
4,492
4,569
4,099
4,480
9.3%
3,502
1,073
1,527
764
3,502
871
-75.1%
531
985
500
950
531
938
76.6%
2,971
88
1,027
(186)
2,971
(67)
-
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
4,426
4,492
4,569
4,480
4,426
4,622
4.4%
33,897
32,848
33,473
35,170
33,897
36,727
8.3%
1,963
1,578
3,261
2,377
1,963
1,021
-48.0%
(3,175)
(1,007)
(1,450)
(853)
(3,175)
(729)
-77.0%
163
54
(114)
33
163
14
-91.4%
32,848
33,473
35,170
36,727
32,848
37,033
12.7%
446
1,182
568
1,564
446
982
120.2%
Year-over-Year Comparison
2024 Quarterly
1Q24 1Q25 Change
NPL
Ne


Ne
NPL
Allo
Pr
Ne
Ot
Allo
Rec		 - beginning
t new NPL influx
Domestic
Overseas
t write-offs
- ending balance
wance for loan loss- beginning
ovisions for loan loss
t write-offs
hers
wance for loan loss- ending
overy from bad debt		 4,099
3,502
531
2,971
(3,175)
4,426
33,897
1,963
(3,175)
163
32,848
446		 4,480
871
938
(67)
(729)
4,622
36,727
1,021
(729)
14
37,033
982		 9.3%
-75.1%
76.6%
-
-77.0%
4.4%
8.3%
-48.0%
-77.0%
-91.4%
12.7%
120.2%


Domestic
Overseas
Credit card		 3,405
1,940
2,083
1,765
54
55		 404
405
519
612
29
762
37
937
13
15
12
15		 404
29
13		 938
28
16		 132.2%
-3.4%
23.1%
1. N on-consolidated basis

34

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一 第 金證券營運報告

Fir st Sec. Income Statement Summary
in NT$ million or %
Full Year Results Year-over-Year Comparison
2021
2022
2023
2024		 1Q24 1Q25 Change
Tot
Br
N
U
Tr
O
Tot
No
Inc
In
Net		 al operating income
okerage commission
et interest income
nderwriting commission
ansaction gains through F/V, net
ther operating income
al operating expenses
n-operating income
ome before tax
come tax
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
1,712
515
1,145
1,364
(216)
(112)
(167)
(181)
1,496
403
978
1,183		 789
465
60
15
216
33
(458)
27
358
(45)
313		 542
391
80
9
22
40
(434)
30
138
(18)
120		 -31.3%
-15.9%
33.3%
-40.0%
-89.8%
21.2%
-5.2%
11.1%
-61.5%
-60.0%
-61.7%
-63.6%
-65.3%
-5.4%
0.0%
Fir st Sec. Key Ratios
RO
RO
Bro
Ma		 AE (Annualized)
AA (Annualized)
kerage market share
rgin 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%		 14.08%
3.00%
1.29%
2.15%		 5.12%
1.04%
1.22%
2.15%
  1. Non-Consolidated Basis

35

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

Full Yeart Results Full Yeart Results Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2021 2022 2023 2024 1Q24 1Q25 Change
Total operating income 682 649 707 786 195 203 4.1%
Management fee 656 629 692 756 188 199 5.9%
Sales service fee 26 20 15 30 7 4 -42.9%
Operating expenses (564) (552) (571) (609) (145) (151) 4.1%
Non-operating income 12 (1) 7 7 2 2 0.0%
Income before tax 130 96 143 184 52 54 3.8%
Income tax (24) (20) (28) (36) (10) (11) 10.0%
Net income 105 76 115 148 42 43 2.4%
y
FSITC Key Ratios
AUM 112,979 100,051 125,552 141,505 125,787 146,715 16.6%
AUM Ranking 13 15 14 14 14 14
  1. Non-consolidated basis

36

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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 Year-over-Year Comparison Year-over-Year Comparison
2021
2022
2023
2024		 1Q24 1Q25 Change
Op
Pr
Ot
Ne
Op
R
R
C
C
O
Op
Pro
Inc
Net		 erating Revenue
emium Income
her insurance income
t Investment Income
erating Cost
einsurance commission
eserves
laims
ommission
thers
erating Expenses
fit/Loss Before Tax
ome tax
Income after tax		 14,401
16,689
13,400
15,514
12,429
14,911
11,304
12,610
252
208
203
192
1,720
1,570
1,893
2,712
13,047
15,761
12,101
14,016
78
94
118
134
9,312
8,980
2,845
2,640
2,769
5,740
7,967
8,754
888
945
1,170
2,487
0
2
1
1
(752)
(783)
(898)
(1,012)
601
145
401
486
(1)
(83)
35
95
600
62
436
581		 4,418
3,716
55
647
4,101
27
1,465
1,785
824
0
(277)
40
31
71		 4,864
3,869
38
957
4,247
40
1,107
2,480
620
0
(295)
322
23
345		 10.1%
4.1%
-30.9%
47.9%
3.6%
48.1%
-24.4%
38.9%
-24.8%
-
6.5%
705.0%
-25.8%
385.9%
Ke y Ratios
RO
RO		 AE (Annualized)
AA (Annualized)		 13.85%
1.91%
12.92%
10.20%
0.82%
0.08%
0.50%
0.62%		 5.36%
0.32%		 22.44%
1.44%		 318.7%
350.0%

37

==> picture [181 x 31] intentionally omitted <==

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