FFHC — Interim / Quarterly Report 2021

Nov 30, 2021

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第一金控 2021年第三季營運報告

November 30, 2021, Taipei

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免責聲明

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2

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 年前三季業 務摘錄

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核心獲利激勵後疫情業績反彈

• 進入第三季經濟活動逐漸舒展，惟產業表現仍多空不一 :

• 2021年集團截至第三季稅後獲利為 NT$165.21 億元(+23.5%,YoY)。由於各子公司 業務營收挹注集團整體業績，第三季度以平穩步伐迎向後疫情時代。

• 子公司一銀放款成長 +7.9% (YoY), 主係企金業務放款需求持續動能；但房貸業務 第三季起成長力道略下滑 :

大企業與中小企業放款兩者均達到雙位數成長佳績，與2008年金融海嘯結束後，快 速成長期類似，但受房地合一稅2.0版於7月上路的影響，房貸業務動能放緩。

• 截至 2021 年第三季，非銀行子公司獲利貢獻達到 12%:

延續上半年的多元收益，證券與人壽子公司持續挹注集團獲利，非銀行子公司合計 貢獻達12%，較第二季度微降。

 總體經濟環境有機會進入下一輪利率正常化的循環 :

油價再度上漲引發市場對通膨的擔憂，加上緊縮購債規模等措施陸續使升息的期待 升高，此期待可望在下一年度明朗，讓全球整體經濟進入下一輪循環。

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2021 年前三季財務資料

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2021年第三季主要財務數字

銀行 NT$14,779; 89.5% 證券 NT$1,192;7.2% 投信 NT80; 0.5 % 其他 NT$(215); -1.3 人壽 NT$577; 3.5% 2021年第三季獲利組合1 ( in NT$ mn) AMC NT$108; 0~~.~~	% 經營績效( in NT$ 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 ~~6%~~ 3Q21 16,5211 13,401 3,625,8912 1.27 17.21 129,642 9.92% 0.61% 125.18% 107.41% YoY % 23.5% 38.4% 7.7% 23.3% 2.1% 1.0% 21.1% 10.9% 3.2% 1.2% 3Q20 13,3781 9,686 3,366,2792 1.03 16.85 128,358 8.19% 0.55% 121.27% 106.22%

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.[半年更新一次] 5.[雙重槓桿比率] =[股權投資] /[股東權益]

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2021年第三季營運成果

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2021 年第三季合併淨利與綜合損益 (in NT$ mn)
↑ 9.2%
(1,861)
47,397 (7,220)
(18,852)
↑ 23.5%
(2,943)
16,521
13,401
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 年第三季合併淨利與綜合損益 (in NT$ mn)
43,408 (3,485)
(6,555)
(17,759)
(2,232)
13,378
9,686
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年第三季主要子公司*獲利表現 - 稅後淨利

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2021 年第三季稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 23.5%
↑17 .2%
16,521
14,779
↑ 179.8%
↑ 32.6%
1,192 80 577 108
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 年第三季稅後淨利 -- 主要子公司 (in NT$ mn)
13,378
12,605
426 46 435 91
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 年第三季營運成果

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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
9.73% 9.11% 9.04% 9.70% 9.92%
8.12% 8.19% 7.62%
5.40%
1
9
13,16
15,377 19,369 2,938 8,764 13,3785377,69293,8764,13378,808,5029,10913, 16,808 5,029 10,913 16,521
8
9M19 2019 3M20 6M20 9M20 2020 3M21 6M21 9M21
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
9.55% 8.97% 6.08% 7.88% 7.75% 7.16% 7.96% 8.70% 8.92%
19,035
15,043 15,683 14,779
12,605
8,483 9,491
4,402
3,316
9M19 2019 3M20 6M20 9M20 2020 1Q21 2Q21 3Q21
1 9 2 1
9 M 6 M
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一銀 2021年第三季稅前獲利

	2021年第三季累積淨收益(in NT$ mn or %)	2021年第三季累積淨收益(in NT$ mn or %)	2021年第三季累積淨收益(in NT$ mn or %)	2021年第三季累積淨收益(in NT$ mn or %)	2021年第三季累積淨收益(in NT$ mn or %)	2021年第三季累積淨收益(in NT$ mn or %)
		累積淨收益 +5.1% 33,480 35,178 3Q20 3Q21
				項目 3Q20	3Q21	Change
				淨利收 62.8%	66.9%	+4.1%
				淨手續費收益 16.2%	16.4%	+0.2%
				投資收益/短投 1.9%	2.8%	+0.9%
				投資收益/長投 2.2%	1.9%	-0.3%
				投資收益/其他金融商品 16.8%	10.7%	-6.1%
				其他 0.1%	1.2%	+1.1%
				z 淨收益 100.0%	100.0%
				呆帳費用(淨額) -10.2%	-5.2%	-5.0%
				營業費用 -45.7%	-45.3%	-0.4%
	2021年第三季淨收益&費用比較(in NT$ mn )			稅前獲利 44.1%	49.5%	+5.4%

1. 毛提存費用

12

一銀 2021年第三季放款結構

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		2021年第三季總放款1 (in NT$ bn	2021年第三季總放款1 (in NT$ bn	2021年第三季總放款1 (in NT$ bn	2021年第三季總放款1 (in NT$ bn	or	%)		各類放款結構	各類放款結構
										項目		3Q20		3Q21		Change
										消金放款	29.1%			28.5%		-0.6%
						2,028.6				房貸	26.2%			25.0%		-1.2%
										其他消金		2.9%		3.5%		+0.6%
										法金放款	70.9%			71.5%		+0.6%
		1,880.3		+7.9%						大企業放款		7.9%		8.3%		+0.4%
										中小企業放款2	40.3%			41.8%		+1.5%
										外幣放款	20.2%			19.6%		-0.6%
		3Q20				3Q21				--- 海外分行	13.1%			11.6%		-1.5%
				總放款1						政府公營		2.5%		1.8%		-0.7%
										總放款1	100.0%		100.0%
		2021年第三季總放款1 結構(in NT$ bn )								848.4 ↑11.9%
								758.0
		↑2.7%								F/X↑4.8%
		493.0	506.4
										379.6	398.0
					↑13.6%							Overseas↓		4.1%
							168.7
					148.5					Overseas	Overseas	101.2			107.1
										246.0	235.8					other consumer
																~~lo~~an 70.2 bn
		3Q20	3Q21		3Q20		3Q21	3Q20		3Q21 3Q20	3Q21	3Q20			3Q21
		房屋貸款			大企業放款			外幣放款 中小企業放款2							其他3

1. 總放款不含催收款 ; 2. 中小企業放款依經濟部定義 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

	101.2 93.8 133.6 154.5 107.1 379.6 374.2 381.9 379.2 398.0 148.5 155.4 146.3 154.3 168.7 758.0 791.0 793.6 818.2 848.4 493.0 495.8 492.5 500.3 506.4 3Q20 4Q20 1Q21 2Q21 3Q21 一銀放款成長(in NT$ bn) 1,880.3 1,910.2 1,947.9 2,006.5 2,028.6 QoQ% ↑1.1% 房屋貸款↑1.2% 中小企業放款↑3.7% 大企業放款↑9.3% 外幣放款↑5.0%
中小企業放款 房屋貸款 外幣放款 總放款 大企業放款 其他	101.2 93.8 133.6 154.5 107.1 379.6 374.2 381.9 379.2 398.0 148.5 155.4 146.3 154.3 168.7 758.0 791.0 793.6 818.2 848.4 493.0 495.8 492.5 500.3 506.4 3Q20 4Q20 1Q21 2Q21 3Q21 1,880.3 1,910.2 1,947.9 2,006.5 2,028.6 QoQ% ↑1.1% 房屋貸款↑1.2% 中小企業放款↑3.7% 大企業放款↑9.3% 外幣放款↑5.0%

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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%
74.29% 74.04% 73.14%
71.04% 70.76% 71.89% 71.66% 台幣 79.6%
外幣 50.6%
1,772.9 1,806.2 1,840.8 1,884.6 1,914.4 1,952.1 2,010.5 2,032.5
2019 1Q20 2Q20 3Q20 2020 1Q21 2Q21 3Q21
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.59%
1.51%
1.44%
1.41% 1.40% 1.39% 1.40% 1.40%
1.06%
1.01% 0.99% 0.99% 1.00% 0.98% 0.99% 1.00%
2019 1Q20 2Q20 3Q20 2020 1Q21 2Q21 3Q21
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1. 總放款 = 放款 + 進 / 出口買匯 + 催收款項

2. 利差及淨利息收益率均為累積年度平均數

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一銀台外幣利差

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一銀台幣利差及成本分析 ( in % )
存款利率 ( 台幣 ) 放款利率 ( 台幣 ) 利差 ( 台幣 )
1.27%
1.25% 1.25%
1.24%
1.22%
1.53% 1.55% 1.53% 1.51% 1.53%
0.31% 0.30% 0.28% 0.27% 0.26%
3Q20 4Q20 1Q21 2Q21 3Q21
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%
2.01%
1.98%
1.93% 1.92%
2.57%
2.40% 2.36% 2.38% 2.29%
0.64%
0.48% 0.38% 0.31% 0.28%
3Q20 4Q20 1Q21 2Q21 3Q21
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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
787.3
635.5 +23.9%
71.56% 72.05%
69.13%
67.42%
△
2021 年第三
季總存款
$2,836.4 bn
+10.1% YoY
+5.6%
2,049.1
1,941.2
1H20 2020 1H21 3Q21
3Q20 3Q21
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一銀特定產業貸放集中度

2021 年第三季 - 特定貸放產業佔比

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非製造業 (75.41%)
總授信餘額 [1] : NT$2,172.5bn
製造業 (24.59%) 旅館餐飲 2.10%
4.21% 塑化 營造 3.12%
批發零售 10.70%
6.06% 金屬
不動產 11.02%
4.96% 科技
運輸 3.34%
4.11% 機械
銀行保險 4.94%
5.25% 其他製造業
其他(含房貸) 40.19%
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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 : 0.12% (3Q21)
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%
1.35% 1.46% 1.46% 1.46% 1.45%
9%
64.90% 64.87% 64.82% 64.80% 64.74% 高屏
45.96% 45.96% 45.66% 45.74% 45.74%
雲嘉南 10% 20% 桃竹苗
3Q20 2020 1Q21 2Q21 3Q21
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
27,801 QoQ ↓ 9.6%
25,721 25,132
10,708
9,945
8,092 8,571 9,058 7,802 7,312 6,924 6,530 7,148 8,223 7,963 8,946
5,601
4,529
7M20 8M20 9M20 10M20 11M20 12M20 1M21 2M21 3M21 4M21 5M21 6M21 7M21 8M21 9M21
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一銀2021年第三季淨手續費結構

				項目 3Q20 3Q21 Change 財富管理1 54.6% 55.6% +1.0% 放款相關 21.8% 21.7% -0.1% 外匯 9.8% 9.4% -0.4% 信用卡 4.0% 4.2% +0.2% 其他2 9.8% 9.1% -0.7% 累積淨手續費收益 100.0% 100.0% 累積淨手續費收益佔比
2021年第三季累積淨手續費收益(in NT$ mn or %)				項目 3Q20 3Q21 Change 財富管理1 54.6% 55.6% +1.0% 放款相關 21.8% 21.7% -0.1% 外匯 9.8% 9.4% -0.4% 信用卡 4.0% 4.2% +0.2% 其他2 9.8% 9.1% -0.7% 累積淨手續費收益 100.0% 100.0% 累積淨手續費收益佔比
			淨手續費收益 5,428 5,776 +6.4% 3Q20 3Q21	項目 3Q20 3Q21 Change
				財富管理1 54.6% 55.6% +1.0%
				放款相關 21.8% 21.7% -0.1%
				外匯 9.8% 9.4% -0.4%
				信用卡 4.0% 4.2% +0.2%
				其他2 9.8% 9.1% -0.7%
				累積淨手續費收益 100.0% 100.0%
	2021年第三季累積淨手續費收益(in NT$ mn) 3Q20 3Q21 3Q203Q21 3Q203Q21 3Q203Q21 3Q203Q21 ↑6.1% ↑8.4% 2,964 1,181 219 534 530 3,214 524 240 545 1,253 ↑9.6% 財富管理1 放款相關 外匯 信用卡 其他2

1. 財富管理手收 = 保管費手收 + 信託手收 + 銀行保險手收

2. 其他為含海外分行在內之通路手續費

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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)	淨手續費收益(in NT$ mn)	淨手續費收益(in NT$ mn)	淨手續費收益(in NT$ mn)
每季淨手續	1,790		1,900		1,808			1,964		2,004	↑2.0 QoQ
費收益
其他 * 信用卡 外匯相關	178 85 200		184 102 195		78 169 175			430 189 72 171		460 182 90 185
放款相關	409		411		362
保管 銀行保險	196 114		326 118		287 122			424 125		395 126	銀行保險 ↓6.8% QoQ
基金銷售	608		564		615			553		566	基金銷售 ↑2.4%
	3Q20		4Q20		1Q21			2Q21		3Q21

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一銀2021年第三季營業費用比率

15,293 15,939 3Q20 3Q21 營業費用 2021年第三季累積營業費用(in NT$ mn ) +4.2%	15,293 15,939 3Q20 3Q21 營業費用 2021年第三季累積營業費用(in NT$ mn ) +4.2%	項目 3Q20 3Q21 淨收益 33,480 35,178 營業費用 (15,293) (15,939) 呆帳費用(淨) (3,418) (1,819) 所得稅 (2,165) (2,641) 淨利 12,605 14,779 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 淨收益 12,434 11,262 10,654 11,302 11,594 12,282 5,072 5,394 6,058 5,094 5,293 5,552 2Q20 3Q20 2020 1Q21 2Q21 3Q21 44.55% 45.68% 48.38% 45.07% 45.37% 45.31%

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一銀2021年第三季資產品質

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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%
525.79% 515.07% 527.32% 527.30%
404.20%
0.29%
0.23% 0.23% 0.24% 0.23%
0.20% 0.21%
21,408 21,512 21,927 23,728 23,907 24,381 25,086
4,072 5,322 4,257 4,500 4,534 4,092 4,169
3M20 6M20 9M20 2020 3M21 6M21 9M21
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% 0.35% 0.33%
0.25%
0.21% 0.20% 0.18% 0.17%
0.14%
0.29% 0.28% 0.27% 0.25%
0.19%
0.16%
0.15% 0.13% 0.12% 0.12%
3Q20 4Q20 1Q21 2Q21 3Q21 3Q20 4Q20 1Q21 2Q21 3Q21
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1. 個人 : 包含房貸及個人非房貸

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一銀 2021年第三季海外業務盈餘

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2021 年第三季海外分行稅前獲利分析 ( in NT$ mn or %) 2021 年第三季全行稅前獲利分析 ( in NT$ mn or %)
17.32% 2021 年第三季
54.85% 稅前獲利
國內市場 ; $17,420 mn
2021 年第三季 OBU/ 大中華 64.4%
海外稅前獲利 北美
20.27%
$6,207 mn 東協
其他
其他海外地區 ; 大中華 ( 含 OBU) ;
7.56% 16.1% 19.5%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
45.76% 40.50% 43.64%
34.74% 35.63%
26.78%
6,042 5,998 6,075
5,347
4,744
3,585
3,175
2,032 2,509 2,266
1,402 1,432
2Q20 3Q20 4Q20 1Q21 2Q21 3Q21
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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%
123.18% 125.21% 125.18%
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% 13.87% CAR
Tier 1
12.28% 12.07%
11.58% 11.22% 11.11% 11.44% 11.66%
2H18 1H19 2H19 1H20 2H20 1H21 3Q21
2H18 1H19 2H19 1H20 2H20 1H21 3Q21
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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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Appendix

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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 3Q20		3Q21	Change
		Net interest income 29,993 30,268 29,604 30,483 22,463 Net service fee & commission 8,341 8,526 8,676 8,853 6,503 Net Insurance revenue 5,130 11,733 11,729 10,992 6,787 Gain on financial assets meas. 5,550 4,880 9,072 5,928 4,297 at fair value through P/L Real estate investment gain 93 117 138 211 104 Gain on AFS financial assets 1,052 0 0 0 0		25,241 7,710 7,423 2,342 134 0	12.4% 18.6% 9.4% -45.5% 28.8% -- 29.5% -31.5% -115.6% -- 98.0% -237.9% 372.8% 9.2% -46.6% 10.1% 6.2% 24.7% 31.9% 23.5% -15.5% 38.4% 23.5% - 38.4% - 23.3%
		Gain on financial assets at fair value through other compre. income 0 1,566 1,505 2,673 2,405		3,115
		Income from equity invest. 138 110 125 137 108		74
		Excluding gain on fin. assets measuredat amort.c 0 22 40 63 64		(10)
		Reserve of overlay approach	0 0 (22) 39 193	29
		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 Consolidated net income	(170) 2,499 1,147 243 410 (46) (90) (18) (42) (29) 746 618 322 (12) 103 50,827 60,249 62,318 59,568 43,408 (6,772) (5,486) (3,852) (4,511) (3,485) (4,560) (11,153) (11,256) (10,707) (6,555) (21,347) (22,906) (23,901) (24,730) (17,759) 18,148 20,703 23,309 19,620 15,610 (2,716) (3,370) (3,940) (2,812) (2,232) 15,432 17,332 19,369 16,808 13,378	812 40 487 47,397 (1,861) (7,220) (18,852) 19,464 (2,943) 16,521
		Other Items Comprehensive Income	(1,038) 417 7,399 (2,248) (3,692) 14,394 17,749 26,768 14,559 9,686	(3,120) 13,401
		Net Income attributed to: Parent Minorityinterests	15,483 17,332 19,369 16,808 13,378 (51) 0 0 0 0	16,521 0
		Comprehensive Income attributed to: Parent Minorityinterests	14,380 17,749 26,768 14,559 9,686 14 0 0 0 0	13,401 0
		EPS1(NT$)
			1.24 1.35 1.51 1.31 1.03	1.27

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第一金控非合併損益表

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

	FFH	C Standalone Income Statement Summary	C Standalone Income Statement Summary	C Standalone Income Statement Summary	C Standalone Income Statement Summary	C Standalone Income Statement Summary
i	n N	T$ million, NT$, or %
I I I	Oper Inc Oth Tot Loss Oper Other ncom ncom ncom Net in EPS2	2017 2018 2019 2020 ating revenues ome from long-term investment 15,693 17,904 19,835 17,146 er income1 246 227 190 187 al revenues 15,939 18,131 20,025 17,333 from long-term investment (53) (321) 0 0 ating expenses (334) (356) (389) (378) expenses and losses (118) (110) (202) (201) e from continued op. before tax 15,434 17,344 19,434 16,753 e from continued op. after tax 15,483 17,332 19,369 16,808 e from discontinued op., net of tax 0 0 0 0 come 15,483 17,332 19,369 16,808 (NT$) 1.24 1.35 1.51 1.31 Full Year Results		Year-over-Year Comparison
				3Q20	3Q21	Change
				13,607 185 13,792 (31) (283) (155) 13,324 13,378 0 13,378 1.03	16,806 167 16,973 0 (309) (135) 16,529 16,521 0 16,521 1.27	23.5% -9.7% 23.1% - 9.2% -12.9% 24.1% 23.5% -- 23.5% 23.3%
	1. Inc

1. Including income other than long-term investment

2. 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

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Full Years Result Year-over-Year Comparison
2017 2018 2019 2020 3Q20 3Q21 Change
Non-consolidated Balance Sheet Data
Long-term investment 205,970 217,409 232,876 234,703 229,780 239,582 4.3%
Total non-consolidated assets 208,951 224,661 241,223 243,926 238,322 246,953 3.6%
Total liabilities 17,168 19,358 21,490 22,719 21,989 23,897 8.7%
Total shareholders' equity 191,783 205,303 219,733 221,207 216,333 223,056 3.1%
Conolidated Balance Sheet Data
Total consolidated assets 2,634,059 2,935,204 3,206,767 3,550,504 3,366,279 3,625,891 7.7%
Total liabilities 2,442,008 2,729,901 2,987,034 3,329,297 3,149,945 3,402,835 8.0%
Total shareholders' equity 192,051 205,303 219,733 221,207 216,333 223,056 3.1%
Parent's shareholders' equity 191,783 205,303 219,733 221,207 216,333 223,056 3.1%
Minority interests 268 0 0 0 0 0 --
Current shares outstanding 122,164 123,386 124,619 128,358 128,358 124,619 -2.9%
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*figures may not match due to rounding

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一 第 金控主要財務比率

FFHC Key Ratios

					2017 2018 2019 2020 3Q20 3Q21 Change 0.60% 0.62% 0.63% 0.50% 0.55% 0.61% 10.9% 8.04% 8.58% 9.11% 7.62% 8.19% 9.92% 21.1% 15.70 16.64 17.63 17.23 16.85 17.21 2.1% 122,164 123,386 124,619 128,358 128,358 124,619 -2.9% 107.40% 105.90% 105.98% 106.10% 106.22% 107.41% 1.1% 131.31% 131.70% 118.70% 125.21% 121.27% 125.18% 3.2% 8.24% 8.62% 8.91% 9.31% 9.23% 9.68% 4.9% Year-over-Year Comparison Full Year Results
						3Q20	3Q21	Change
	Aft Aft Bo Ca Do Gr De	e e o p u o b	r- r- k it b u t	tax ROAA (Annualized ratio) tax ROAE (Annualized ratio) Per Share al Stock le leverage1 p CAR2 Ratio3		0.55% 8.19% 16.85 128,358 106.22% 121.27% 9.23%	0.61% 9.92% 17.21 124,619 107.41% 125.18% 9.68%	10.9% 21.1% 2.1% -2.9% 1.1% 3.2% 4.9%
	A

1. Double leverage ratio = Long-term investment / Equity

2. Updated semi-annually.

3. Unconsolidated basis

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第一銀行損益表

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

			第一銀行損益表
			bject to final Reviewed FB Comprehensive Income Statement Summary(Standalone) in NT$ million or % 2017 2018 2019 2020 3Q20 3Q21 Change Net interest income 28,843 28,669 27,832 28,534 21,032 23,536 11.9% Net fee income 7,457 7,563 7,858 7,328 5,428 5,776 6.4% Net gain on ST invest. 398 98 515 655 632 993 57.1% Net gain on LT invest. 719 834 903 826 748 681 -9.0% Net gain on other fin. products 5,256 8,396 9,932 6,710 5,610 3,778 -32.7% Other net income 241 462 273 81 30 414 1280.0% Net revenue 42,914 46,022 47,313 44,134 33,480 35,178 5.1% Operating expenses (18,466) (19,863) (20,834) (21,350) (15,292) (15,939) 4.2% Pre-provisiion pre-tax profit 24,448 26,159 26,479 22,785 18,188 19,239 5.8% Provision expense (9,621) (8,480) (6,655) (7,900) (5,926) (4,320) -27.1% Adjustment: bad-debt recovery 2,782 3,017 2,898 3,471 2,508 2,501 -0.3% Income before tax 17,609 20,696 22,722 18,356 14,770 17,420 17.9% Income tax (2,467) (3,134) (3,688) (2,673) (2,165) (2,641) 22.0% Net income 15,142 17,562 19,035 15,683 12,605 14,779 17.2% Other items (1,214) 503 6,450 (1,974) (3,055) (2,614) -14.4% Comprehensive income 13,928 18,065 25,485 13,709 9,550 12,164 27.4% EPS 1.70 1.97 2.14 1.76 1.39 1.63 0.17 Year-over-Year Comparison Full Year Results

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第一銀行主要財務比率

					第一銀行主要財務比率	第一銀行主要財務比率	第一銀行主要財務比率	第一銀行主要財務比率
				FB Key Ratios
					Year-over-Year Comparison Full Year Results
					~~2017~~ ~~2018~~ ~~2019~~ ~~2020~~ ~~3Q20~~ 1.65% 1.64% 1.59% 1.40% 1.41% 1.26% 1.18% 1.06% 1.00% 0.99% 43.03% 43.19% 44.02% 48.38% 45.68% 79.28% 78.71% 74.29% 71.04% 73.14% 0.38% 0.32% 0.24% 0.24% 0.23% 0.46% 0.34% 0.28% 0.24% 0.25% 0.05% 0.23% 0.08% 0.20% 0.12% 1.38% 1.25% 1.27% 1.26% 1.19% 358.56% 389.64% 527.52% 527.32% 515.07%	~~3Q21~~	~~Change~~ -0.71% 1.01% -0.81% -2.02% -8.70% -24.00% 125.00% 5.04% 16.83%
				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% 45.31% 71.66% 0.21% 0.19% 0.27% 1.25% 601.74%
				CAR Tier-1	13.42% 13.57% 13.00% 13.63% 13.17% 11.25% 11.58% 11.11% 11.66% 11.22%	13.87% 12.07%	5.32% 7.58%
				ROAA2 ROAE2 1. Loan to depoist ratio = total loan / 2. Annualized figures.	0.60% 0.65% 0.64% 0.48% 0.53% 7.91% 8.71% 8.97% 7.16% 7.75% total deposit	0.57% 8.92%

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第一銀行資產品質

FB NPL Migration in NT$ million or %

	2019 2020 5,449 4,249 4,132 6,408 3,210 4,866 922 1,542 (5,332) (6,157) 4,249 4,500 21,229 22,414 6,439 7,666 (5,332) (6,157) 78 (195) 22,414 23,728 2,897 3,471 2,684 3,414 164 8 49 49 Full Year Results	Q1 Q2 Q3 4,500 4,534 4,092 1,404 177 565 162 462 82 1,242 (285) 483 (1,370) (619) (488) 4,534 4,092 4,169 23,728 23,907 24,381 1,483 1,162 1,228 (1,370) (619) (488) 66 (69) (35) 23,907 24,381 25,086 691 1,148 662 669 1,067 647 10 72 4 12 9 11 2021 Quarterly	Year-over-Year Comparison	Year-over-Year Comparison	Year-over-Year Comparison
			3Q20	3Q21	Change
NPL- beginning Net new NPL influx Domestic Overseas Net write-offs NPL- ending balance Allowance for loan loss- beginning Provisions for loan loss Net write-offs Others Allowance for loan loss- ending Recovery from bad debt Domestic Overseas Credit card			4,249 6,145 4,863 1,282 (6,137) 4,257 22,414 5,792 (6,137) (142) 21,927 2,508 2,467 4 37	4,500 2,146 706 1,440 (2,477) 4,169 23,728 3,873 (2,477) (38) 25,086 2,501 2,383 86 32	5.9% -65.1% -85.5% 12.3% -59.6% -2.1% 7.3% -33.1% -59.6% -73.2% 14.4% -0.3% -3.4% 2050.0% -13.5%

1. Non-consolidated basis

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第一金證券營運報告

First Sec Income Statement Summary

in NT$ million or %

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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 3Q20 3Q21 Change Year-over-Year Comparison Full Yeart Results	2017 2018 2019 2020 3Q20 3Q21 Change Year-over-Year Comparison Full Yeart Results	2017 2018 2019 2020 3Q20 3Q21 Change Year-over-Year Comparison Full Yeart Results	2017 2018 2019 2020 3Q20 3Q21 Change Year-over-Year Comparison Full Yeart Results
			3Q21	Change
Total operating income
Management fee 501 640 615 584 416 Sales service fee 7 13 28 33 27 Total operating income 508 653 643 617 443 Operating expenses (440) (540) (559) (532) (390) Non-operating income 15 12 21 8 4 Income before tax 82 125 105 93 57 Income tax (12) (24) (19) (18) (11) Income after tax 70 101 86 76 46 Cummulative effect of change in accounting principles 0 0 0 0 0			496 20 516 (426) 9 99 (19) 80 0	19.2% -25.9% 16.5% 9.2% 125.0% 73.7% 72.7% 73.9% #DIV/0!
Net income 70 101 86 76 46			80	73.9%
y FSITC Key Ratios
AUM 101,095 85,558 105,042 108,605 112,717 AUM Ranking 8 9 10 11 11			106,942	-5.1%
			12

35

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

Full Year Result Year-over-Year Comparison
2017 2018 2019 2020 3Q20 3Q21 Change
Income Statement Summary
Operating Revenue 13,298 13,506 14,435 14,865 9,718 11,049 13.7%
Premium Income 11,684 12,698 13,193 13,330 8,529 9,522 11.6%
Other insurance income 277 312 272 256 192 191 -0.5%
Net Investment Income 1,337 496 970 1,279 997 1,336 34.0%
Operating Cost 12,861 13,022 13,565 13,743 8,814 9,932 12.7%
Reinsurance commission 40 49 59 68 50 58 16.0%
Reserves 4,566 11,192 11,304 10,745 6,589 7,242 9.9%
Claims 7,419 851 1,329 2,210 1,643 2,005 22.0%
Commission 711 930 873 720 532 627 17.9%
Others 125 0 0 0 0 0 --
Operating Expenses (566) (638) (655) (730) (535) (547) 2.2%
Profit/Loss of Operation (129) (154) 215 392 369 570 54.5%
Non-Operating Profit 0 0 0 0 0 0 --
Profit/Loss Before Tax (129) (154) 215 392 369 570 54.5%
Income tax 26 13 29 94 66 7 -89.4%
Net Income after tax (103) (141) 244 485 435 577 32.6%
Key Ratios
ROAE(Annualized ratio) -19.39% -13.46% 10.44% 14.02% 17.53% 17.95% 2.4%
ROAA(Annualized ratio) -0.30% -0.34% 0.47% 0.76% 0.95% 1.07% 12.6%
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• FFHC claims 51% of First-Aviva operating results in 2017.

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Q&A