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第一金控 2021年營運報告 - 自結數 March 2, 2022, Taipei

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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。

內容

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業務摘錄
財務資料
營運成果
附件

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2021 `年業` 務摘錄

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2021年獲利表現

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集團獲利趨勢 (in NT$ mn )
合併獲利
現金增資 16 億股
+17.4%
19,739
19,369
17,284 15,432 17,332 16,808
15,962
2015 2016 2017 2018 2019 2020 2021
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邁向正常化的2022年

 2021 年在疫情洗禮下，集團繳出創新高獲利成績 :

2021年第一金稅後獲利為 NT$197.39 億元(+17.4%,YoY)，集團強勢回歸疫情前獲利動能，預估銀行獲利將在2022年持續回溫，迎向正常化景氣循環。

 非銀行子公司獲利貢獻在 2021 年正式超越 10% 水平 :

非銀行子公司在後疫情時代助攻集團獲利，旗下第一銀行2021年稅後淨利 NT$176.52億元(+12.6%,YoY): 證券稅後淨利NT$14.96億元(+101.1%,YoY)；人壽稅後淨利NT$ 6億元 (+23.7%,YoY)，三大子公司合力貢獻集團獲利，實現金控獲利多角化的目標。

 全球供應鍊轉型及缺工問題推動放款需求，持續至 2022 年 :

通膨升高與缺工問題加大客戶對資金的殷切需求，進一步拉升業務動能，進出口暢旺亦帶動國內外幣融資需求，重啟國門與鬆綁商業與旅遊檢疫措施可望帶動產業回復正軌運作。

 利率正常化將使財富管理商機湧現 :

隨著市場對全球利率正常化的期待，殖利率彈升已加大客戶對財富管理的資產重配置需求，以外幣計價之產品將成潮流之一以因應利率調升的商機。

 持續增設海外據點 :

位於加州的美國第一銀行聖馬特奧(San Mateo)分行2022年2月開業，顯示集團持續
看好歐美市場復甦潛力，著眼疫後經濟長線發展。

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2021 年財務資料

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2021年主要財務數字

銀行
NT$17,652; 89.4%
證券
NT$1,496;7.6%
投信
NT105; 0.5 %
其他
NT$(252); -1.2%
人壽
NT$600; 3.0%
2021年獲利組合1 ( in NT$ mn)
AMC
NT$138; 0.7%

經營績效( in NT$ dollar, NT$ mn, mn shares or %)
稅後淨利
綜合損益2
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率3
平均資產報酬率3
集團資本適足率4
雙重槓桿比率5
2021
19,7391
14,892
3,739,5942
1.52
17.32
129,642
8.86%
0.55%
130.38%
107.40%
YoY %
+17.4%
+2.3%
+7.0%
+16.9%
+0.5%
+1.0%
+16.3%
+10.0%
+4.1%
+1.2%
2020
16,8081
14,559
3,494,5022
1.30
17.23
128,358
7.62%
0.50%
125.21%
106.10%

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.[淨應收款] ([應收] -[應付] )[合併計入資產項目，並回溯調整] 2020[年之數字] 3.[年化後數字]

4.[自結數] 5.[雙重槓桿比率] =[股權投資] /[股東權益]

2021年營運成果

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2021 年合併淨利與綜合損益 (in NT$ mn)
↑ 5.1%
62,604 (3,621)
(9,275)
(26,275)
↑ 17.4%
(3,694)
19,739
14,892
淨收益呆帳提存保險準備營業費用所得稅淨利綜合損益
2020 年合併淨利與綜合損益 (in NT$ mn)
(4,511)
59,568
(10,707)
(24,730)
(2,812)
16,808 14,559
淨收益呆帳提存保險準備營業費用所得稅淨利綜合損益
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2021年主要子公司*獲利表現 - 稅後淨利

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2021 年稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 17.4%
↑ 12.6%
19,739
17,652
↑ 101.1% ↑ 38.2%
↑ 23.7% ↑ 16.0%
1,496 105 600 138
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
2020 年稅後淨利 -- 主要子公司 (in NT$ mn)
16,808
15,683
744 76 485 119
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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2021 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
9.11% 8.12% 8.19% 7.62% 9.04% 9.70% 9.92% 8.86%
5.40%
1
9
13,16
19,369 2,938 8,764 13,378 16,8085377,69293,8764,13378,808,5029,10913, 5,029 10,913 16,521 19,739
8
2019 3M20 6M20 9M20 2020 3M21 6M21 9M21 2021
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
8.97% 7.88% 7.75% 7.16% 7.96% 8.70% 8.92% 7.97%
6.08%
19,035
17,652
15,683 14,779
12,605
9,491
8,483
4,402
3,316
2019 3M20 6M20 9M20 2020 1Q21 2Q21 3Q21 2021
1 9 2 1
9 M 6 M
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一銀 2021年稅前獲利

2021年累積淨收益(in NT$ mn or %)	2021年累積淨收益(in NT$ mn or %)	2021年累積淨收益(in NT$ mn or %)	2021年累積淨收益(in NT$ mn or %)	2021年累積淨收益(in NT$ mn or %)
	累積淨收益 +6.2% 44,134 46,862 2020 2021
		項目 2020	2021	Change
		淨利收 64.7%	68.8%	+4.2%
		淨手續費收益 16.6%	17.0%	+0.4%
		投資收益/短投 1.5%	2.2%	+0.7%
		投資收益/長投 1.9%	1.6%	-0.3%
		投資收益/其他金融商品 15.2%	9.6%	-5.6%
		其他 0.1%	0.8%	+0.7%
		z 淨收益 100.0%	100.0%
		呆帳費用(淨額) -10.1%	-7.6%	-2.5%
		營業費用 -48.3%	-47.8%	-0.5%
2021年淨收益&費用比較(in NT$ mn )		稅前獲利 41.6%	44.6%	+3.0%

毛提存費用

一銀 2021年放款結構

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2021年總放款1 (in NT$ bn or	2021年總放款1 (in NT$ bn or	2021年總放款1 (in NT$ bn or	%)			各類放款結構
						項目		2020			2021	Change
						消金放款	29.1%			29.2%			+0.1%
			2,041.1			房貸	26.0%			25.6%			-0.4%
						其他消金		3.1%			3.6%		+0.5%
						法金放款	70.9%			70.8%			-0.1%
1,910.2		+6.9%				大企業放款		8.1%			8.7%		+0.6%
						中小企業放款2	41.4%			42.5%			+1.1%
						外幣放款	19.6%			18.9%			-0.7%
2020			2021			--- 海外分行		*12.4%*		*11.5%*			*-0.9%*
		總放款1				政府公營		1.8%			0.7%		-1.1%

						總放款1	100.0%		100.0%
2021年總放款1結構(in NT$			bn )			866.5 `↑`9.5%
					791.0
↑5.5%						外幣`↑`3.0%
495.8	522.9
			177.2 155.4 `↑`14.0%			374.2 海外分行	385.4 海外分行	93.8 海外分行↓		89.1 0.5%
						236.7	235.4						其他消金
													74.3 bn
2020	2021		2020	2021	2020	2021 2020	2021	2020			2021
房屋貸款			大企業放款		外幣放款中小企業放款2					其他3

總放款不含催收款 ; 2. 中小企業放款依經濟部定義
其他包含其他消費性貸款及政府及公營事業放款

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一銀放款結構 -季度比較

93.8
133.6
154.5
107.1
89.1
374.2
381.9
379.2
398.0
385.4
155.4
146.3
154.3
168.7
177.2
791.0
793.6
818.2
848.4
866.5
495.8
492.5
500.3
506.4
522.9
4Q20
1Q21
2Q21
3Q21
4Q21
一銀放款成長(in NT$ bn)
1,910.2
1,947.9
2,006.5
2,028.6
2,041.1
QoQ%
↑0.6%
房屋貸款↑3.3%
中小企業放款↑2.1%
大企業放款↑5.0%
外幣放款↓3.2%

中小企業放款
房屋貸款
外幣放款
總放款
大企業放款
其他 93.8
133.6
154.5
107.1
89.1
374.2
381.9
379.2
398.0
385.4
155.4
146.3
154.3
168.7
177.2
791.0
793.6
818.2
848.4
866.5
495.8
492.5
500.3
506.4
522.9
4Q20
1Q21
2Q21
3Q21
4Q21
1,910.2
1,947.9
2,006.5
2,028.6
2,041.1
QoQ%
↑0.6%
房屋貸款↑3.3%
中小企業放款↑2.1%
大企業放款↑5.0%
外幣放款↓3.2%

	93.8 133.6 154.5 107.1 89.1 374.2 381.9 379.2 398.0 385.4 155.4 146.3 154.3 168.7 177.2 791.0 793.6 818.2 848.4 866.5 495.8 492.5 500.3 506.4 522.9 4Q20 1Q21 2Q21 3Q21 4Q21 一銀放款成長(in NT$ bn) 1,910.2 1,947.9 2,006.5 2,028.6 2,041.1 QoQ% `↑`0.6% 房屋貸款`↑`3.3% 中小企業放款`↑`2.1% 大企業放款`↑`5.0% 外幣放款`↓`3.2%
中小企業放款房屋貸款外幣放款總放款大企業放款其他	93.8 133.6 154.5 107.1 89.1 374.2 381.9 379.2 398.0 385.4 155.4 146.3 154.3 168.7 177.2 791.0 793.6 818.2 848.4 866.5 495.8 492.5 500.3 506.4 522.9 4Q20 1Q21 2Q21 3Q21 4Q21 1,910.2 1,947.9 2,006.5 2,028.6 2,041.1 QoQ% `↑`0.6% 房屋貸款`↑`3.3% 中小企業放款`↑`2.1% 大企業放款`↑`5.0% 外幣放款`↓`3.2%

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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
76.56%
74.04% 73.14%
71.04% 70.76% 71.89% 71.66% 台幣 80.1%
69.55%
外幣 44.2%
1,806.2 1,840.8 1,884.6 1,914.4 1,952.1 2,010.5 2,032.5 2,045.2
1Q20 2Q20 3Q20 2020 1Q21 2Q21 3Q21 2021
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.51%
1.44%
1.41% 1.40% 1.39% 1.40% 1.40% 1.41%
1.01% 0.99% 0.99% 1.00% 0.98% 0.99% 1.00% 1.01%
1Q20 2Q20 3Q20 2020 1Q21 2Q21 3Q21 2021
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總放款 = 放款 + 進 / 出口買匯 + 催收款項
利差及淨利息收益率均為累積年度平均數

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一銀台外幣利差
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 )
1.27% 1.27%
1.25% 1.25% 1.24%
1.55% 1.53% 1.51% 1.53% 1.53%
0.30% 0.28% 0.27% 0.26% 0.26%
4Q20 1Q21 2Q21 3Q21 4Q21
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 )
2.07%
1.98% 2.01% 2.01%
1.92%
2.40% 2.36% 2.38% 2.29% 2.28%
0.48% 0.38% 0.31% 0.28% 0.27%
4Q20 1Q21 2Q21 3Q21 4Q21
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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
+26.8% 872.9
688.6
△
2021 年總存款
$2,940.7 bn
+9.1% YoY
73.39%
71.56%
2,006.2 2,067.8 67.42% 69.13%
+3.1%
1H20 2020 1H21 2021
2020 2021
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一銀特定產業貸放集中度

2021 年 - 特定貸放產業佔比

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非製造業 (75.68%)
總授信餘額 [1] : NT$2,172.5bn
製造業 (24.32%) 旅館餐飲 2.17%
4.27% 塑化營造 3.13%
批發零售 10.86%
6.00% 金屬
不動產 11.29%
4.43% 科技
運輸 3.26%
4.12% 機械
銀行保險 4.90%
5.50% 其他製造業
其他(含房貸) 40.07%
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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 : 0.10% (4Q21)
新承作房貸成數 45% 北北基
平均房貸成數平均房貸利率
宜蘭花東
4%
1.46% 1.46% 1.46% 1.45% 1.44%
10%
64.87% 64.82% 64.80% 64.74% 64.66%
高屏
45.96% 45.66% 45.74% 45.74% 46.03%
19%
10%
桃竹苗
2020 1Q21 2Q21 3Q21 2021 雲嘉南
中彰投 12%
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
37,471
25,132
22,038
15,803
10,708 9,945 10,697 10,971
7,802 7,312 6,924 5,601 6,530 7,148 8,223 7,963 8,946
4,529
10M20 11M20 12M20 1M21 2M21 3M21 4M21 5M21 6M21 7M21 8M21 9M21 10M21 11M21 12M21
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一銀2021年淨手續費結構

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2021 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 2020 2021 Change
7,969 財富管理 [1 ] 54.2% 54.9% +0.7%
7,328 放款相關 21.7% 22.1% +0.4%
外匯 9.7% 9.3% -0.4%
+8.7%
信用卡 4.4% 4.4% 0.0%
其他 [2] 10.0% 9.3% -0.7%
2020 2021
Net Fee Income 累積淨手續費收益 100.0% 100.0%
2021 年累積淨手續費收益 (in NT$ mn)
↑ 10.1%
4,373
3,971
↑ 10.8%
1,592 1,764
↑ 8.7%
713 739 731 744
321 349
2020 2021 2020 2021 2020 2021 2020 2021 2020 2021
財富管理 [1] 放款相關外匯信用卡其他 [2]
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財富管理手收 = 保管費手收 + 信託手收 + 銀行保險手收
其他為含海外分行在內之通路手續費

財富管理 *

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一銀淨手續費收益 -季度比較

			淨手續費收益(in NT$ mn)
每季淨手續	1,900	1,808	1,964	2,004	2,193	↑9.4 QoQ
費收益
					218

其他 * 信用卡外匯相關	184 102 195	175 78 169	430 72 171 189	460 182 90 185	511 195 110
放款相關	411	362
保管銀行保險	326 118	287 122	424 125	395 126	468 128	銀行保險 ↑18.5% QoQ
基金銷售	564 4Q20	615 1Q21	553 2Q21	566 3Q21	563 4Q21	基金銷售 ↓0.5%

財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管
其他為含海外分行在內之通路手續費

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一銀2021年營業費用比率

21,350 22,379 2020 2021 營業費用 2021年累積營業費用(in NT$ mn ) +4.8%	21,350 22,379 2020 2021 營業費用 2021年累積營業費用(in NT$ mn ) +4.8%	項目 2020 2021 淨收益 44,134 46,862 營業費用 (21,350) (22,379) 呆帳費用(淨) (4,429) (3,566) 所得稅 (2,673) (3,266) 淨利 15,683 17,652 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 11,262 10,654 11,302 11,594 12,282 11,684 5,394 6,058 5,094 5,293 5,552 6,440 3Q20 2020 1Q21 2Q21 3Q21 2021 45.68% 48.38% 45.07% 45.37% 45.31% 47.76%

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一銀2021年資產品質

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逾期放款 , 提存 , 覆蓋率 (in NT$ mn or % )
覆蓋率逾放比逾放金額呆帳提存準備
595.90% 601.74% 620.31%
515.07% 527.32% 527.30%
404.20%
0.29%
0.23% 0.23%
0.20% 0.21% 0.20%
0.24%
21,512 21,927 23,728 23,907 24,381 25,086 25,014
5,322 4,257 4,500 4,534 4,092 4,169 4,033
6M20 9M20 2020 3M21 6M21 9M21 2021
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
0.35% 0.35% 0.33%
0.25% 0.25%
0.20% 0.18% 0.17%
0.14%
0.12% 0.28% 0.27% 0.25%
0.21%
0.19%
0.15%
0.13% 0.12% 0.12% 0.10%
4Q20 1Q21 2Q21 3Q21 4Q21 4Q20 1Q21 2Q21 3Q21 4Q21
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個人 : 包含房貸及個人非房貸

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一銀 2021年海外業務盈餘

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2021 年海外分行稅前獲利分析 ( in NT$ mn or %) 2021 年全行稅前獲利分析 ( in NT$ mn or %)
20.77% 2021 年
49.28%
稅前獲利
國內市場 ; $20,918 mn
OBU/ 大中華 67.1%
2021 年
北美
海外稅前獲利
東協
19.38% $6,883 mn
其他
其他海外地區 ; 大中華 ( 含 OBU) ;
10.57% 16.7% 16.2%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外全行累積海外稅前獲利 / 一銀全行稅前獲利
40.50% 43.64%
34.74% 35.63% 32.90%
26.78%
5,998 6,075
5,347
4,744
3,585 3,498
2,032 2,509 2,266
1,402 1,432 676
3Q20 4Q20 1Q21 2Q21 3Q21 4Q21
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資本適足率與核心資本

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金控集團資本適足率 (in %)
CAR
135.13%
131.70% 130.38%
123.18% 125.21%
120.82%
118.70%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
13.57% 13.22% 13.00% 13.43% 13.63% 14.14% 14.21% CAR
12.28% 12.48% Tier 1
11.58% 11.22% 11.11% 11.44% 11.66%
2H18 1H19 2H19 1H20 2H20 1H21 2H21
2H18 1H19 2H19 1H20 2H20 1H21 2H21
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2021/6/30 納入新版 LTV 法計算，主係房貸與土建融 (ADC) 之風險權數調整

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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 %)	FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)
Year-over-Year Comparison
2017 2018 2019 2020 2020		2021	Change
Net interest income 29,993 30,268 29,604 30,483 30,483 Net service fee & commission 8,341 8,526 8,676 8,853 8,853 Net Insurance revenue 5,130 11,733 11,729 10,992 10,992 Gain on financial assets meas. 5,550 4,880 9,072 5,928 5,928 at fair value through P/L Real estate investment gain 93 117 138 211 211 Gain on AFS financial assets 1,052 0 0 0 0		34,588 10,383 9,525 3,356 185 0	13.5% 17.3% -13.3% -43.4% -12.3% -- 18.8% -27.0% -115.9% -- 260.9% -259.5% -3433.3% 5.1% -19.7% -13.4% 6.2% 19.4% 31.4% 17.4% 115.6% 2.3% 17.4% - 2.3% - 16.9%
Gain on financial assets at fair value through other compre. income 0 1,566 1,505 2,673 2,673		3,176
Income from equity invest. 138 110 125 137 137		100
Excluding gainon fin.assetsmeasured at amort.c 0 22 40 63 63		(10)
Reserve of overlay approach	0 0 (22) 39 39	(43)
Net gain on F/X Assets impairment loss Others Net Revenue Net Provision for credit losses Recovered(provided) for insurance res. Operating Expense Income from continued op. before tax Income tax expenses Consolidatednetincome	(170) 2,499 1,147 243 243 (46) (90) (18) (42) (42) 746 618 322 (12) (12) 50,827 60,249 62,318 59,568 59,568 (6,772) (5,486) (3,852) (4,511) (4,511) (4,560) (11,153) (11,256) (10,707) (10,707) (21,347) (22,906) (23,901) (24,730) (24,730) 18,148 20,703 23,309 19,620 19,620 (2,716) (3,370) (3,940) (2,812) (2,812) 15,432 17,332 19,369 16,808 16,808	877 67 400 62,604 (3,621) (9,275) (26,275) 23,433 (3,694) 19,739
Other Items Comprehensive Income	(1,038) 417 7,399 (2,248) (2,248) 14,394 17,749 26,768 14,559 14,559	(4,847) 14,892
Net Income attributed to: Parent Minorityinterests	15,483 17,332 19,369 16,808 16,808 (51) 0 0 0 0	19,739 0
Comprehensive Income attributed to: Parent Minorityinterests	14,380 17,749 26,768 14,559 14,559 14 0 0 0 0	14,892 0
EPS1(NT$)
	1.24 1.35 1.51 1.30 1.30	1.52

第一金控非合併損益表

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

in NT$ million, NT$, or %
	Full	Year Results			Year-over-Year Comparison
	2017	2018	2019	2020	2020	2021	Change
Operating revenues
Income from long-term investment	15,693	17,904	19,835	17,146	17,146	20,163	17.6%
Other income1	246	227	190	187	187	170	-9.1%
Total revenues	15,939	18,131	20,025	17,333	17,333	20,333	17.3%
Loss from long-term investment	(53)	(321)	0	0	0	0	-
Operating expenses	(334)	(356)	(389)	(378)	(378)	(403)	6.6%
Other expenses and losses	(118)	(110)	(202)	(201)	(201)	(184)	-8.5%
Income from continued op. before tax	15,434	17,344	19,434	16,753	16,753	19,747	17.9%
Income from continued op. after tax	15,483	17,332	19,369	16,808	16,808	19,739	17.4%
Income from discontinued op., net of tax	0	0	0	0	0	0	--
Net income	15,483	17,332	19,369	16,808	16,808	19,739	17.4%
EPS2(NT$)	1.24	1.35	1.51	1.30	1.30	1.52	16.9%

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

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第一金控資產負債表

FFHC Balance Sheet Summary in NT$ million or million shares

	Year-over-Year Comparison Full Years Result	Year-over-Year Comparison Full Years Result	Year-over-Year Comparison Full Years Result
	2020	2021	Change

Long-term investment 205,970 217,409 232,876 234,703 Total non-consolidated assets 208,951 224,661 241,223 243,926 Total liabilities 17,168 19,358 21,490 22,719 Total shareholders' equity 191,783 205,303 219,733 221,207 Conolidated Balance Sheet Data Total consolidated assets 2,634,059 2,935,204 3,206,767 3,494,502 Total liabilities 2,442,008 2,729,901 2,987,034 3,273,295 Total shareholders' equity 192,051 205,303 219,733 221,207 Parent's shareholders' equity 191,783 205,303 219,733 221,207 Minority interests 268 0 0 0 Current shares outstanding** 122,164 123,386 124,619 128,358	234,703 243,926 22,719 221,207 3,494,502 3,273,295 221,207 221,207 0 128,358	241,171 248,995 24,449 224,547 3,739,594 3,515,047 224,547 224,547 0 129,642	2.8% 2.1% 7.6% 1.5% 7.0% 7.4% 1.5% 1.5% -- 1.0%

*figures may not match due to rounding

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一第金控主要財務比率

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FFHC Key Ratios

	2017 2018 2019 2020 2020 2021 Change 0.60% 0.62% 0.63% 0.50% 0.50% 0.55% 10.0% 8.04% 8.58% 9.11% 7.62% 7.62% 8.86% 16.3% 15.70 16.64 17.63 17.23 17.23 17.32 0.5% 122,164 123,386 124,619 128,358 128,358 129,642 1.0% 107.40% 105.90% 105.98% 106.10% 106.10% 107.40% 1.2% 131.31% 131.70% 118.70% 125.21% 125.21% 130.38% 4.1% 8.24% 8.62% 8.91% 9.31% 9.31% 9.82% 5.5% Year-over-Year Comparison Full Year Results	2017 2018 2019 2020 2020 2021 Change 0.60% 0.62% 0.63% 0.50% 0.50% 0.55% 10.0% 8.04% 8.58% 9.11% 7.62% 7.62% 8.86% 16.3% 15.70 16.64 17.63 17.23 17.23 17.32 0.5% 122,164 123,386 124,619 128,358 128,358 129,642 1.0% 107.40% 105.90% 105.98% 106.10% 106.10% 107.40% 1.2% 131.31% 131.70% 118.70% 125.21% 125.21% 130.38% 4.1% 8.24% 8.62% 8.91% 9.31% 9.31% 9.82% 5.5% Year-over-Year Comparison Full Year Results	2017 2018 2019 2020 2020 2021 Change 0.60% 0.62% 0.63% 0.50% 0.50% 0.55% 10.0% 8.04% 8.58% 9.11% 7.62% 7.62% 8.86% 16.3% 15.70 16.64 17.63 17.23 17.23 17.32 0.5% 122,164 123,386 124,619 128,358 128,358 129,642 1.0% 107.40% 105.90% 105.98% 106.10% 106.10% 107.40% 1.2% 131.31% 131.70% 118.70% 125.21% 125.21% 130.38% 4.1% 8.24% 8.62% 8.91% 9.31% 9.31% 9.82% 5.5% Year-over-Year Comparison Full Year Results	2017 2018 2019 2020 2020 2021 Change 0.60% 0.62% 0.63% 0.50% 0.50% 0.55% 10.0% 8.04% 8.58% 9.11% 7.62% 7.62% 8.86% 16.3% 15.70 16.64 17.63 17.23 17.23 17.32 0.5% 122,164 123,386 124,619 128,358 128,358 129,642 1.0% 107.40% 105.90% 105.98% 106.10% 106.10% 107.40% 1.2% 131.31% 131.70% 118.70% 125.21% 125.21% 130.38% 4.1% 8.24% 8.62% 8.91% 9.31% 9.31% 9.82% 5.5% Year-over-Year Comparison Full Year Results
		2020	2021	Change
After-tax ROAA (Annualized ratio) After-tax ROAE (Annualized ratio) Book Per Share Capital Stock Double leverage1 Group CAR2 Debt Ratio3		0.50% 7.62% 17.23 128,358 106.10% 125.21% 9.31%	0.55% 8.86% 17.32 129,642 107.40% 130.38% 9.82%	10.0% 16.3% 0.5% 1.0% 1.2% 4.1% 5.5%

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

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第一銀行損益表

	第一銀行損益表	第一銀行損益表	第一銀行損益表




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

	Year-over-Year Comparison Full Year Results
	2017 2018 2019 2020 2020	2021	Change

	Net interest income 28,843 28,669 27,832 28,534 28,534 Net fee income 7,457 7,563 7,858 7,328 7,328 Net gain on ST invest. 398 98 515 655 655 Net gain on LT invest. 719 834 903 826 826 Net gain on other fin. products 5,256 8,396 9,932 6,710 6,710 Other net income 241 462 273 81 81 Net revenue 42,914 46,022 47,313 44,134 44,134 Operating expenses (18,466) (19,863) (20,834) (21,350) (21,350) Pre-provisiion pre-tax profit 24,448 26,159 26,479 22,785 22,785 Provision expense (9,621) (8,480) (6,655) (7,900) (7,900) Adjustment: bad-debt recovery 2,782 3,017 2,898 3,471 3,471 Income before tax 17,609 20,696 22,722 18,356 18,356 Income tax (2,467) (3,134) (3,688) (2,673) (2,673) Net income 15,142 17,562 19,035 15,683 15,683 Other items (1,214) 503 6,450 (1,974) (1,974) Comprehensive income 13,928 18,065 25,485 13,709 13,709 EPS 1.70 1.97 2.14 1.73 1.73	32,263 7,969 1,014 763 4,516 337 46,862 (22,379) 24,483 (6,578) 3,013 20,918 (3,266) 17,652	13.1% 8.7% 54.8% -7.6% -32.7% 316.0% 6.2% 4.8% 7.5% -16.7% -13.2% 14.0% 22.2% 12.6%



		(4,425) 13,227	124.2% -3.5%
		1.94
	bject to final Reviewed

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第一銀行主要財務比率



FB Key Ratios

	Full Year Results	Year-over-Year Comparison
	2017 2018 2019 2020 1.65% 1.64% 1.59% 1.40% 1.26% 1.18% 1.06% 1.00% 43.03% 43.19% 44.02% 48.38% 79.28% 78.71% 74.29% 71.04% 0.38% 0.32% 0.24% 0.24% 0.46% 0.34% 0.28% 0.24% 0.05% 0.23% 0.08% 0.20% 1.38% 1.25% 1.27% 1.26% 358.56% 389.64% 527.52% 527.32%	2020	2021	Change 0.71% 1.00% -1.28% -2.10% -16.67% -20.83% 20.00% -2.38% 17.63%
Loan to deposit spread Net Interest Margin Cost to income ratio3 Loan to deposit ratio1 NPL ratio Domestic NPL ratio Overseas NPL ratio LLR ratio (excluding gov. loan) Coverage ratio		1.40% 1.00% 48.38% 71.04% 0.24% 0.24% 0.20% 1.26% 527.32%	1.41% 1.01% 47.76% 69.55% 0.20% 0.19% 0.24% 1.23% 620.31%


CAR Tier-1	13.42% 13.57% 13.00% 13.63% 11.25% 11.58% 11.11% 11.66%	13.63% 11.66%	14.21% 12.48%	4.26% 7.03%
ROAA2 ROAE2 1. Loan to depoist ratio = total loan / 2. Annualized figures.	0.60% 0.65% 0.64% 0.49% 7.91% 8.71% 8.97% 7.16% total deposit	0.49% 7.16%	0.51% 7.97%

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第一銀行資產品質

		FB NPL Migration in NT$ million or % 2019 2020 Q1 Q2 Q3 Q4 2020 2021 Change NPL- beginning 5,449 4,249 4,500 4,534 4,092 4,169 4,249 4,500 5.9% Net new NPL influx 4,132 6,408 1,404 177 565 1,819 6,408 3,965 -38.1% Domestic 3,210 4,866 162 462 82 272 4,866 978 -79.9% Overseas 922 1,542 1,242 (285) 483 1,547 1,542 2,987 93.7% Net write-offs (5,332) (6,157) (1,370) (619) (488) (1,955) (6,157) (4,432) -28.0% NPL- ending balance 4,249 4,500 4,534 4,092 4,169 4,033 4,500 4,033 -10.4% Allowance for loan loss- beginning 21,229 22,414 23,728 23,907 24,381 25,086 22,414 23,728 7.3% Provisions for loan loss 6,439 7,666 1,483 1,162 1,228 1,910 7,666 5,783 -24.6% Net write-offs (5,332) (6,157) (1,370) (619) (488) (1,955) (6,157) (4,432) -28.0% Others 78 (195) 66 (69) (35) (27) (195) (65) -66.7% Allowance for loan loss- ending 22,414 23,728 23,907 24,381 25,086 25,014 23,728 25,014 5.4% Recovery from bad debt 2,897 3,471 691 1,148 662 511 3,471 3,012 -13.2% Domestic 2,684 3,414 669 1,067 647 493 3,414 2,876 -15.8% Overseas 164 8 10 72 4 6 8 92 1050.0% Credit card 49 49 12 9 11 12 49 44 -10.2% 1. Non-consolidated basis Year-over-Year Comparison 2021 Quarterly Full Year Results

Non-consolidated basis

第一金證券營運報告

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First Sec Income Statement Summary in NT$ million or %

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Full Year Results Year-over-Year Comparison
2017 2018 2019 2020 2020 2021 Change
Brokerage commission 849 899 777 1,351 1,351 2,255 66.9%
Net interest income 306 293 220 242 242 383 58.3%
Underwriting commission 38 97 45 77 77 132 71.4%
Transaction gains through F/V, net 227 29 270 476 476 555 16.6%
Other operating income 107 34 89 127 127 183 44.1%
Total operating income 1,527 1,352 1,401 2,273 2,273 3,508 54.3%
Total operating expenses (1,301) (1,260) (1,172) (1,489) (1,489) (1,879) 26.2%
Non-operating income 72 77 86 80 80 83 3.8%
Income before tax 298 169 315 864 864 1,712 98.1%
Income tax (26) (55) (43) (120) (120) (216) 80.0%
Cummulative effect of change in
0 0 0 0 0 0
accounting principles #DIV/0!
Net income 272 114 272 744 744 1,496 101.1%
First Sec Key Ratios
ROAE (Annualized) 4.41% 1.81% 4.28% 11.05% 11.05% 19.79% 79.1%
ROAA (Annualized) 1.55% 0.61% 1.32% 2.81% 2.81% 4.18% 48.8%
Brokerage market share 1.53% 1.42% 1.39% 1.46% 1.46% 1.43% -2.1%
Margin loan market share 2.94% 2.53% 2.29% 2.40% 2.40% 2.30% -4.2%
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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

	2017 2018 2019 2020 2020 2021 Change Year-over-Year Comparison Full Yeart Results	2017 2018 2019 2020 2020 2021 Change Year-over-Year Comparison Full Yeart Results
	2021	Change
Total operating income
Management fee 501 640 615 584 584 Sales service fee 7 13 28 33 33 Total operating income 508 653 643 617 617 Operating expenses (440) (540) (559) (532) (532) Non-operating income 15 12 21 8 8 Income before tax 82 125 105 93 93 Income tax (12) (24) (19) (18) (18) Income after tax 70 101 86 76 76 Cummulative effect of change in accounting principles 0 0 0 0 0	656 26 682 (564) 12 130 (24) 105 0	12.3% -21.2% 10.5% 6.0% 50.0% 39.8% 33.3% 38.2% #DIV/0!
Net income 70 101 86 76 76	105	38.2%
y FSITC Key Ratios
AUM 101,095 85,558 105,042 108,605 108,605 AUM Ranking 8 9 10 11 11	112,979	4.0%
	13
1. Non-consolidated basis

第一金人壽營運報告

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First Life Financial Results Summary in NT$ million or %

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Full Year Result Year-over-Year Comparison
2017 2018 2019 2020 2020 2021 Change
Income Statement Summary
Operating Revenue 13,298 13,506 14,435 14,865 14,865 14,401 -3.1%
Premium Income 11,684 12,698 13,193 13,330 13,330 12,429 -6.8%
Other insurance income 277 312 272 256 256 252 -1.6%
Net Investment Income 1,337 496 970 1,279 1,279 1,720 34.5%
Operating Cost 12,861 13,022 13,565 13,743 13,743 13,047 -5.1%
Reinsurance commission 40 49 59 68 68 78 14.7%
Reserves 4,566 11,192 11,304 10,745 10,745 9,312 -13.3%
Claims 7,419 851 1,329 2,210 2,210 2,769 25.3%
Commission 711 930 873 720 720 888 23.3%
Others 125 0 0 0 0 0 --
Operating Expenses (566) (638) (655) (730) (730) (752) 3.0%
Profit/Loss of Operation (129) (154) 215 392 392 601 53.3%
Non-Operating Profit 0 0 0 0 0 0 --
Profit/Loss Before Tax (129) (154) 215 392 392 601 53.3%
Income tax 26 13 29 94 94 (1) -101.1%
Net Income after tax (103) (141) 244 485 485 600 23.7%
Key Ratios
ROAE(Annualized ratio) -19.39% -13.46% 10.44% 14.02% 14.02% 13.85% -1.2%
ROAA(Annualized ratio) -0.30% -0.34% 0.47% 0.76% 0.76% 0.82% 7.9%
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FFHC claims 51% of First-Aviva operating results in 2017.

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Q&A

AI assistant

FFHC — Annual Report 2021

52222_rns_2022-03-02_7a83c983-104f-4fa2-9696-a9b0410587f1.pdf

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2021 年業 務摘錄

2021年獲利表現

邁向正常化的2022年

 2021 年在疫情洗禮下，集團繳出創新高獲利成績 :

 非銀行子公司獲利貢獻在 2021 年正式超越 10% 水平 :

 全球供應鍊轉型及缺工問題推動放款需求，持續至 2022 年 :

 利率正常化將使財富管理商機湧現 :

 持續增設海外據點 :

2021 年財務資料

2021年主要財務數字

2021年主要子公司*獲利表現 - 稅後淨利

2021 年營運成果

金控與一銀獲利能力 - 稅後淨利

一銀 2021年稅前獲利

一銀放款結構 -季度比較

一銀存放比、利差與淨利息收益率

一銀特定產業貸放集中度

2021 年 - 特定貸放產業佔比

一銀房貸分析

一銀2021年淨手續費結構

一銀淨手續費收益 -季度比較

一銀2021年營業費用比率

一銀2021年資產品質

一銀 2021年海外業務盈餘

資本適足率與核心資本

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

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

第一金控資產負債表

FFHC Balance Sheet Summary in NT$ million or million shares

一 第 金控主要財務比率

FFHC Key Ratios

第一銀行損益表

第一銀行主要財務比率

第一銀行資產品質

First Sec Income Statement Summary in NT$ million or %

第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

~~First Life Financial Results Summary~~ in NT$ million or %

More from FFHC

FFHC Annual Report 2021

`免責聲明`

2021 `年業` 務摘錄

一第金控主要財務比率

First Life Financial Results Summary in NT$ million or %