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FFHC Interim / Quarterly Report 2021

Aug 31, 2021

52222_rns_2021-08-31_4e0bb0a2-d52c-4c37-bb1d-31d32c019567.pdf

Interim / Quarterly Report

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第一金控 2021年上半年營運報告

August 31, 2021

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免責聲明

本份簡報由第一金控提供，內容並未經會計師或任何獨立公正第三者查閱，使用者在閱
讀簡報資料同時，應參考第一金控向主管機關所申報公開且完整的各項財務業務訊息，
我們會盡力確保簡報內容的正確性、完整性與精準度，但第一金控並不保證所有資料皆
準確無誤，簡報公開後，我們亦不承擔有因情勢變更而即時修正相關內容之義務。
使用者亦應注意，本份簡報可能包含前瞻性陳述。任何非歷史性資料，包括公司經營策
略、營運計畫與未來展望等皆屬前瞻性陳述範疇，而前瞻性陳述本身的不確定性、風險、
假設或其它因素如：法規變化、競爭環境、科技發展、經濟情勢與經營上的改變等，皆
有可能導致公司實際營運結果與簡報陳述有重大差異。

簡報的內容、陳述或主張非為買賣或提供買賣任何有價證券或金融商品的邀約、邀約之
引誘或建議。第一集團及其各關係企業代表人無論過失或其它原因，均不對使用或因他
人引用本分簡報資料、亦或其它因簡報資料導致的任何損害負擔任何責任。

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內容

- 2021 年上半年業務摘錄

  • 財務資料

  • 營運成果

  • 附件

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2021 年上半年業 務摘錄

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: 產業成長分歧 第二季台灣受新冠疫情籠罩

  • 2021 年第二季度經濟活動正常展開，惟以三級警戒作收 :

集團2021上半年稅後獲利為 NT$109.13 億元(+24.5%,YoY)。隨著5月中旬台灣進 入新冠疫情三級警戒後，營運目標為戮力在疫情下維持正常營運與客戶服務，並且 在第二季度迎來安全、堅實的成果。

  • 銀行子公司放款成長 +9.3% (YoY), 主要來自中小企業的貢獻；隨著歐美國家迎向 其解封日，外幣放款成長第二季起亦自谷底反彈 :

企業放款 (製造業主力) 第二季由需求推升，尤其來自遠距上班的宅經濟效力拉升相 關產業的業績，為第二季度增添成長動能。

 截至 2021 年上半年，非銀行子公司獲利貢獻達到 12.2%:

受惠於證券與人壽子公司的第二季持續成長的挹注，穩固集團第二季的盈餘，非銀 。 行子公司合計貢獻較第一季更多，達到12.2%

  • 展望未來， 2021 年下半年國內可望循序漸進恢復正常經濟活動 :

國內疫情自8月起趨緩並逐步解封，受創產業第三季起慢慢恢復步調，下半年並搭配 傳統出口旺季產業迎向回溫市況。

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2021 年上半年財務資料

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2021 年上半年主要財務數字

銀行
NT$9,491; 87.0%
證券
NT$876;8.0%
投信
NT$51; 0.5 %
其他
NT$71; 0.6%
人壽
NT$346; 3.2%
2021年上半年獲利組合1( in NT$ mn)
AMC
NT$78; 0.~~7~~		 經營績效( in NT$ 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
~~%~~
1H21
10,9131
7,972
3,600,7292
0.85
17.85
128,358
9.70%
0.62%
135.13%
102.03%
YoY %
24.5%
41.4%
11.3%
25.0%
7.9%
-
19.5%
14.8%
9.7%
-4.3%
1H20
8,7641
5,636
3,234,7772
0.68
16.54
128,358
8.12%
0.54%
123.18%
106.29%

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年上半年營運成果

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2021 年上半年合併淨利與綜合損益 (in NT$ mn)
↑ 11.7%
31,342
(1,189) ↑ 24.5%
(5,017)
(12,282)
(1,940)
10,913
7,972
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 年上半年合併淨利與綜合損益 (in NT$ mn)
28,055
(2,335) (3,926)
(11,481)
(1,548)
8,764
5,636
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年上半年主要子公司*獲利表現 - 稅後淨利

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2021 年上半年稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 24.5%
↑11 .9% ↑ 461.5% ↑ 96.6%
10,913
9,491
876
51 346 78
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 年上半年稅後淨利 -- 主要子公司 (in NT$ mn)
8,483 8,764
156 32 176 54
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 年上半年營運成果

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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
9.52% 9.73% 9.11% 9.04% 9.70%
8.12% 8.19% 7.62%
5.40%
19,369
16,808
15,377
13,378
9,914 10,913
8,764
5,029
2,938
6M19 9M19 2019 3M20 6M20 9M20 2020 3M21 6M21
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
9.34% 9.55% 8.97% 6.08% 7.88% 7.75% 7.16% 7.96% 8.70%
19,035
15,043 15,683
12,605
9,708 8,483 9,491
4,402
3,316
6M19 9M19 2019 3M20 6M20 9M20 2020 1Q21 2Q21
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一銀 2021年上半年稅前獲利

2021年上半年累積淨收益(in NT$ mn or %) 2021年上半年累積淨收益(in NT$ mn or %) 2021年上半年累積淨收益(in NT$ mn or %) 2021年上半年累積淨收益(in NT$ mn or %) 2021年上半年累積淨收益(in NT$ mn or %) 2021年上半年累積淨收益(in NT$ mn or %)
累積淨收益
+3.1%
22,218
22,896
1H20
1H21
項目
1H20		 1H21 Change
淨利收
62.0%		 67.2% +5.2%
淨手續費收益
16.4%		 16.5% +0.1%
投資收益/短投
0.4%		 0.5% +0.1%
投資收益/長投
0.9%		 0.8% -0.1%
投資收益/其他金融商品
20.2%		 13.2% -7.0%
其他
0.1%		 1.8% +1.7%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-10.3%		 -5.1% -5.2%
營業費用
-44.5%		 -45.4% +0.9%
2021年上半年淨收益&費用比較( NT$mn ) 稅前獲利
45.2%		 49.5% +4.3%
  1. 毛提存費用

12

一銀 2021年上半年 放款結構

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500.3
154.3
818.2
154.5
148.7
486.8
729.4
369.4
102.0
379.2
1H201H21
1H20 1H21
1H20 1H21
1H20 1H21
1H20 1H21
↑2.8%
外幣↑2.7%
2021年上半年總放款1 (in NT$ bn or %)
2021年上半年總放款1 結構(in NT$ bn )
房屋貸款
大企業放款
外幣放款
其他3
項目
1H20
1H21
Change
消金放款
29.4%
28.3%
-1.1%
房貸
26.5%
24.9%
-1.6%
其他消金
2.9%
3.4%
+0.5%
法金放款
70.6%
71.7%
+1.1%
大企業放款
8.1%
7.7%
-0.4%
中小企業放款2
39.7%
40.8%
+1.1%
外幣放款
20.1%
18.9%
-1.2%
--- 海外分行
13.4%
11.5%
-1.9%
政府公營
2.7%
4.3%
+1.6%
總放款1
100.0%
100.0%
各類放款結構
↑3.8%
Overseas
246.6
↑12.2%
Overseas
230.0
海外↓6.7%
1,836.3
2,006.5
1H20
1H21
Loan Book1
+9.3%
中小企業放款2
其他消金
~~6~~8.1 bn		 500.3
154.3
818.2
154.5
148.7
486.8
729.4
369.4
102.0
379.2
1H201H21
1H20 1H21
1H20 1H21
1H20 1H21
1H20 1H21
↑2.8%
外幣↑2.7%
2021年上半年總放款1 (in NT$ bn or %)
2021年上半年總放款1 結構(in NT$ bn )
房屋貸款
大企業放款
外幣放款
其他3
項目
1H20
1H21
Change
消金放款
29.4%
28.3%
-1.1%
房貸
26.5%
24.9%
-1.6%
其他消金
2.9%
3.4%
+0.5%
法金放款
70.6%
71.7%
+1.1%
大企業放款
8.1%
7.7%
-0.4%
中小企業放款2
39.7%
40.8%
+1.1%
外幣放款
20.1%
18.9%
-1.2%
--- 海外分行
13.4%
11.5%
-1.9%
政府公營
2.7%
4.3%
+1.6%
總放款1
100.0%
100.0%
各類放款結構
↑3.8%
Overseas
246.6
↑12.2%
Overseas
230.0
海外↓6.7%
1,836.3
2,006.5
1H20
1H21
Loan Book1
+9.3%
中小企業放款2
其他消金
~~6~~8.1 bn		 項目
1H20
1H21
Change
消金放款
29.4%
28.3%
-1.1%
房貸
26.5%
24.9%
-1.6%
其他消金
2.9%
3.4%
+0.5%
法金放款
70.6%
71.7%
+1.1%
大企業放款
8.1%
7.7%
-0.4%
中小企業放款2
39.7%
40.8%
+1.1%
外幣放款
20.1%
18.9%
-1.2%
--- 海外分行
13.4%
11.5%
-1.9%
政府公營
2.7%
4.3%
+1.6%
總放款1
100.0%
100.0%
各類放款結構
項目
1H20
1H21
Change
消金放款
29.4%
28.3%
-1.1%
房貸
26.5%
24.9%
-1.6%
其他消金
2.9%
3.4%
+0.5%
法金放款
70.6%
71.7%
+1.1%
大企業放款
8.1%
7.7%
-0.4%
中小企業放款2
39.7%
40.8%
+1.1%
外幣放款
20.1%
18.9%
-1.2%
--- 海外分行
13.4%
11.5%
-1.9%
政府公營
2.7%
4.3%
+1.6%
總放款1
100.0%
100.0%

  1. 總放款不含催收款 ; 2. 中小企業放款依經濟部定義

  2. 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

一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn) 一銀放款成長(in NT$ bn)
總放款 1,836.3 1,880.3 1,910.2 1,947.9 2,006.5 ↑3.0%
QoQ%
房屋貸款 486.8 493.0 495.8 492.5 500.3 房貸↑1.6%
中小企業放款 729.4 758.0 791.0 793.6 818.2 中小企業↑3.1%
大企業放款 148.7 148.5 155.4 146.3 154.3 大企業↑5.5%
外幣放款 369.4 379.6 374.2 381.9 379.2 外幣↓0.7%
其他 102.0
2Q20		 101.2
3Q20		 93.8
4Q20		 133.6
1Q21		 154.5
2Q21

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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
77.45% 76.56%
74.29% 74.04% 73.14% 71.04% 70.76% 71.89% 台幣 79.5%
外幣 50.6%
1,736.1 1,772.9 1,806.2 1,840.8 1,884.6 1,914.4 1,952.1 2,010.5
3Q19 2019 1Q20 2Q20 3Q20 2020 1Q21 2Q21
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.60% 1.59%
1.51%
1.44%
1.41% 1.40% 1.39% 1.40%
1.07% 1.06%
1.01% 0.99% 0.99% 1.00% 0.98% 0.99%
3Q19 2019 1Q20 2Q20 3Q20 2020 1Q21 2Q21
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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 % )
利差 ( 台幣 )
存款利率 ( 台幣 ) 放款利率 ( 台幣 )
1.25% 1.25%
1.24%
1.24%
1.22%
1.56% 1.53% 1.55% 1.53% 1.51%
0.32% 0.31% 0.30% 0.28% 0.27%
2Q20 3Q20 4Q20 1Q21 2Q21
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%
1.92% 1.93% 1.92%
2.89%
2.57% 2.40% 2.36% 2.38%
0.97%
0.64%
0.48% 0.38% 0.31%
2Q20 3Q20 4Q20 1Q21 2Q21
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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
748.9
616.9
71.56%
+21.4%
69.13%
67.13% 67.42%
△
2021 年上半
年總存款
$2,758.7 bn
+16.9% YoY
+9.5%
2,047.7
1,869.2
2019 1H20 2020 1H21
1H20 1H21
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一銀特定產業貸放集中度

  • 2021 年上半年 特定貸放產業佔比

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非製造業 (76.67%)
總授信餘額 [1] : NT$2,145.7bn
製造業 (23.33%) 旅館餐飲 2.09%
4.23% 塑化
營造 2.78%
批發零售 10.50%
5.94% 金屬
不動產 10.83%
4.10% 科技
運輸 3.43%
4.00% 機械
銀行保險 4.43%
5.06% 其他製造業
其他(含房貸) 42.61%
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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% (1H21)
新承作房貸成數比 46% 大台北都會
平均房貸成數 平均房貸利率
東部
4%
1.35% 1.35% 1.46% 1.46% 1.46%
9%
64.96% 64.90% 64.87% 64.82% 64.80%
高屏
45.94% 45.96% 45.96% 45.66% 45.74%
10% 20% 桃竹苗
2Q20 3Q20 2020 1Q21 2Q21 雲嘉南
大台中 11%
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
25,693
16,660
10,708
9,945
8,771 7,941 8,981 8,092 8,571 9,058 7,802 7,312 6,924 6,530 7,148
5,601
4,529
4M20 5M20 6M20 7M20 8M20 9M20 10M20 11M20 12M20 1M21 2M21 3M21 4M21 5M21 6M21
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QoQ ↑ 66.9%
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19

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一銀2021年上半年淨手續費結構

項目
1H20
1H21
Change
財富管理1
56.2%
56.4%
+0.2%
放款相關
21.2%
21.0%
-0.2%
外匯
9.6%
9.6%
+0.0%
信用卡
3.7%
4.0%
+0.3%
其他2
9.3%
9.0%
-0.3%
累積淨手續費收益
100.0%
100.0%
累積淨手續費收益佔比
2021年上半年累積淨手續費收益(in NT$ mn or %) 項目
1H20
1H21
Change
財富管理1
56.2%
56.4%
+0.2%
放款相關
21.2%
21.0%
-0.2%
外匯
9.6%
9.6%
+0.0%
信用卡
3.7%
4.0%
+0.3%
其他2
9.3%
9.0%
-0.3%
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
3,638
3,772
+3.7%
1H20
1H21		 項目
1H20
1H21
Change
財富管理1
56.2%
56.4%
+0.2%
放款相關
21.2%
21.0%
-0.2%
外匯
9.6%
9.6%
+0.0%
信用卡
3.7%
4.0%
+0.3%
其他2
9.3%
9.0%
-0.3%
累積淨手續費收益
100.0%
100.0%
2,045
772
133
337
351
2,126
340
150
364
792
2021年上半年累積淨手續費收益(in NT$ mn)
1H20
1H21
1H201H21
1H201H21
1H201H21
1H201H21
↑2.6%
↑4.0%
↑3.7%
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

20

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) 淨手續費收益(in NT$ mn)
QoQ
每季淨手續 1,882 1,790 1,900 1,808 1,964 ↑8.6%
費收益
其他
*
信用卡
外匯相關		 175
70
153		 178
85
200		 102
195
184		 175
78
169		 189
72
171
放款相關 413 411 362 430
保管 103 409 118 122 125 QoQ
銀行保險 467 196
114		 326 287 424 銀行保險
↑47.7%
501 608 564 615 553 基金銷售
基金銷售 ↓10.1%
2Q20 3Q20 4Q20 1Q21 2Q21

  • 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

21

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一銀2021年上半年營業費用比率

9,898
10,387
1H20
1H21
營業費用
2021年上半年累積營業費用( in NT$ mn )
+4.9%		 9,898
10,387
1H20
1H21
營業費用
2021年上半年累積營業費用( in NT$ mn )
+4.9%		 項目
1H20
1H21
淨收益
22,218
22,896
營業費用
(9,898)
(10,387)
呆帳費用(淨)
(2,294)
(1,164)
所得稅
(1,543)
(1,854)
淨利
8,483
9,491
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
9,784
12,434
11,262
10,654
11,302
11,594
4,826
5,072
5,394
6,058
5,094
5,293
1Q20
2Q20
3Q20
2020
1Q21
2Q21
49.33%
44.55%
45.68%
48.38%
45.07%
45.37%

22

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一銀2021年上半年資產品質

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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%
527.52% 525.79% 527.32%
515.07% 527.30%
404.20%
0.24% 0.23% 0.23% 0.24% 0.23%
0.29% 0.20%
22,414 21,408 21,512 21,927 23,728 23,907 24,381
4,249 4,072 5,322 4,257 4,500 4,534 4,092
2019 3M20 6M20 9M20 2020 3M21 6M21
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
0.23% 0.21% 0.20% 0.59%
0.18% 0.17%
0.35% 0.35% 0.35% 0.33%
0.18%
0.16% 0.15% 0.13% 0.12% 0.27% 0.29% 0.28% 0.27% 0.25%
2Q20 3Q20 4Q20 1Q21 2Q21 2Q20 3Q20 4Q20 1Q21 2Q21
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  1. 個人 : 包含房貸及個人非房貸

23

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一銀 2021年上半年海外業務盈餘

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2021 年上半年海外分行稅前獲利分析 ( in NT$ mn or %) 2021 年上半年全行稅前獲利分析 ( in NT$ mn or %)
18.55% 一銀 2021 年上半年
50.11% 稅前獲利
國內市場 ; $11,345 mn
OBU/ 大中華
65.3%
2021 年上半年
北美
海外稅前獲利 東協
23.27% $3,941 mn 其他
其他海外地區 ; 大中華 ( 含 OBU) ;
8.07% 17.4% 17.3%
季度海外稅前獲利佔比分析 (in NT$ 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%
35.17% 34.74%
26.78%
6,042 5,998
5,347
4,744
3,984
3,585
3,175
2,032 2,509
1,401 1,402 1,432
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21
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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 %)
CAR
135.13%
131.70%
121.35% 120.82% 123.18% 125.21%
118.70%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
13.21% 13.57% 13.22% 13.00% 13.43% 13.63% 14.14% CAR 新 LTV 法
Tier 1
12.28%
11.08% 11.58% 11.22% 11.11% 11.44% 11.66%
1H18 2H18 1H19 2H19 1H20 2H20 1H21
1H18 2H18 1H19 2H19 1H20 2H20 1H21
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  • 金控公司法定上限 : 雙重槓桿 < 125% ; 債務比 < 30%

  • 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。

25

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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 %) FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)
2017
2018
2019
2020
1H20
1H21
Change
Year-over-Year Comparison
2017
2018
2019
2020
1H20		 1H21 Change
Net interest income
29,993
30,268
29,604
30,483
14,715
Net service fee & commission
8,341
8,526
8,676
8,853
4,265
Net Insurance revenue
5,130
11,733
11,729
10,992
4,080
Gain on financial assets meas.
5,550
4,880
9,072
5,928
2,959
at fair value through P/L
Real estate investment gain
93
117
138
211
78
Gain on AFS financial assets
1,052
0
0
0
0
16,492
5,080
5,141
1,971
106
0		 12.1%
19.1%
26.0%
-33.4%
35.9%
--
Gain on financial assets at fair value
through other compre. income
0
1,566
1,505
2,673
1,081		 1,560 44.3%
Income from equity invest.
138
110
125
137
84		 41 -51.2%
Excluding gainon fin.assetsmeasured at amort.c
0
22
40
63
64		 (26) -140.6%
Reserve of overlay approach 0
0
(22)
39
134		 (69) --
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
528
(46)
(90)
(18)
(42)
(19)
746
618
322
(12)
86
50,827
60,249
62,318
59,568
28,055
(6,772)
(5,486)
(3,852)
(4,511)
(2,335)
(4,560)
(11,153)
(11,256)
(10,707)
(3,926)
(21,347)
(22,906)
(23,901)
(24,730)
(11,481)
18,148
20,703
23,309
19,620
10,313
(2,716)
(3,370)
(3,940)
(2,812)
(1,548)
15,432
17,332
19,369
16,808
8,764		 618
45
383
31,342
(1,189)
(5,017)
(12,282)
12,854
(1,940)
10,913		 17.0%
-336.8%
345.3%
11.7%
-49.1%
27.8%
7.0%
24.6%
25.3%
24.5%
Other Items
Comprehensive Income		 (1,038)
417
7,399
(2,248)
(3,128)
14,394
17,749
26,768
14,559
5,636		 (2,941)
7,972		 -6.0%
41.4%
Net Income attributed to:
Parent
Minorityinterests		 15,483
17,332
19,369
16,808
8,764
(51)
0
0
0
0		 10,913
0		 24.5%
-
Comprehensive Income attributed to:
Parent
Minorityinterests		 14,380
17,749
26,768
14,559
5,636
14
0
0
0
0		 7,972
0		 41.4%
-
EPS1(NT$)
1.24
1.35
1.51
1.31
0.68		 0.85 25.0%

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 %

in NT$ million, NT$, or %
Full Year Results Year-over-Year Comparison
2017 2018 2019 2020 1H20 **1H21 ** Change
Operating revenues
Income from long-term investment 15,693 17,904 19,835 17,146 8,908 10,972 23.2%
Other income1 246 227 190 187 142 141 -0.7%
Total revenues 15,939 18,131 20,025 17,333 9,050 11,112 22.8%
Loss from long-term investment (53) (321) 0 0 (52) 0 -
Operating expenses (334) (356) (389) (378) (182) (198) 8.8%
Other expenses and losses (118) (110) (202) (201) (106) (90) -15.1%
Income from continued op. before tax 15,434 17,344 19,434 16,753 8,710 10,824 24.3%
Income from continued op. after tax 15,483 17,332 19,369 16,808 8,764 10,913 24.5%
Income from discontinued op., net of tax 0 0 0 0 0 0 --
Net income 15,483 17,332 19,369 16,808 8,764 10,913 24.5%
EPS2(NT$) 1.24 1.35 1.51 1.31 0.68 0.85 25.0%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

28

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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		 Year-over-Year Comparison
Full Years Result
1H20 **1H21 ** 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
3,550,504
Total liabilities
2,442,008
2,729,901
2,987,034
3,329,297
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		 225,637
246,958
34,675
212,283
3,234,777
3,022,493
212,283
212,283
0
128,358		 233,836
251,729
22,550
229,179
3,600,729
3,371,550
229,179
229,179
0
128,358		 3.6%
1.9%
-35.0%
8.0%
11.3%
11.5%
8.0%
8.0%
--
0.0%

*figures may not match due to rounding

29

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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
1H20
1H21 Change
0.60%
0.62%
0.63%
0.50%
0.54%
0.62%
14.8%
8.04%
8.58%
9.11%
7.62%
8.12%
9.70%
19.5%
15.70
16.64
17.63
17.23
16.54
17.85
7.9%
122,164
123,386
124,619
128,358
128,358
128,358
0.0%
107.40%
105.90%
105.98%
106.10%
106.29%
102.03%
-4.0%
131.31%
131.70%
118.70%
125.21%
123.18%
135.13%
9.7%
8.24%
8.62%
8.91%
9.31%
14.04%
8.96%
-36.2%
Year-over-Year Comparison
Full Year Results		 2017
2018
2019
2020
1H20
1H21 Change
0.60%
0.62%
0.63%
0.50%
0.54%
0.62%
14.8%
8.04%
8.58%
9.11%
7.62%
8.12%
9.70%
19.5%
15.70
16.64
17.63
17.23
16.54
17.85
7.9%
122,164
123,386
124,619
128,358
128,358
128,358
0.0%
107.40%
105.90%
105.98%
106.10%
106.29%
102.03%
-4.0%
131.31%
131.70%
118.70%
125.21%
123.18%
135.13%
9.7%
8.24%
8.62%
8.91%
9.31%
14.04%
8.96%
-36.2%
Year-over-Year Comparison
Full Year Results		 2017
2018
2019
2020
1H20
1H21 Change
0.60%
0.62%
0.63%
0.50%
0.54%
0.62%
14.8%
8.04%
8.58%
9.11%
7.62%
8.12%
9.70%
19.5%
15.70
16.64
17.63
17.23
16.54
17.85
7.9%
122,164
123,386
124,619
128,358
128,358
128,358
0.0%
107.40%
105.90%
105.98%
106.10%
106.29%
102.03%
-4.0%
131.31%
131.70%
118.70%
125.21%
123.18%
135.13%
9.7%
8.24%
8.62%
8.91%
9.31%
14.04%
8.96%
-36.2%
Year-over-Year Comparison
Full Year Results		 2017
2018
2019
2020
1H20
1H21 Change
0.60%
0.62%
0.63%
0.50%
0.54%
0.62%
14.8%
8.04%
8.58%
9.11%
7.62%
8.12%
9.70%
19.5%
15.70
16.64
17.63
17.23
16.54
17.85
7.9%
122,164
123,386
124,619
128,358
128,358
128,358
0.0%
107.40%
105.90%
105.98%
106.10%
106.29%
102.03%
-4.0%
131.31%
131.70%
118.70%
125.21%
123.18%
135.13%
9.7%
8.24%
8.62%
8.91%
9.31%
14.04%
8.96%
-36.2%
Year-over-Year Comparison
Full Year Results
1H20 **1H21 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.54%
8.12%
16.54
128,358
106.29%
123.18%
14.04%		 0.62%
9.70%
17.85
128,358
102.03%
135.13%
8.96%		 14.8%
19.5%
7.9%
0.0%
-4.0%
9.7%
-36.2%

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

  2. Updated semi-annually.

  3. Unconsolidated basis

30

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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
1H20
1H21
Change
Net interest income
28,843
28,669
27,832
28,534
13,775
15,385
11.7%
Net fee income
7,457
7,563
7,858
7,328
3,638
3,772
3.7%
Net gain on ST invest.
398
98
515
655
79
107
35.4%
Net gain on LT invest.
719
834
903
826
197
179
-9.1%
Net gain on other fin. products
5,256
8,396
9,932
6,710
4,489
3,025
-32.6%
Other net income
241
462
273
81
40
428
970.0%
Net revenue
42,914
46,022
47,313
44,134
22,218
22,896
3.1%
Operating expenses
(18,466)
(19,863)
(20,834)
(21,350)
(9,898)
(10,387)
4.9%
Pre-provisiion pre-tax profit
24,448
26,159
26,479
22,785
12,320
12,509
1.5%
Provision expense
(9,621)
(8,480)
(6,655)
(7,900)
(3,709)
(3,003)
-19.0%
Adjustment: bad-debt recovery
2,782
3,017
2,898
3,471
1,414
1,839
30.1%
Income before tax
17,609
20,696
22,722
18,356
10,026
11,345
13.2%
Income tax
(2,467)
(3,134)
(3,688)
(2,673)
(1,543)
(1,854)
20.2%
Net income
15,142
17,562
19,035
15,683
8,483
9,491
11.9%
Other items
(1,214)
503
6,450
(1,974)
(2,636)
(2,841)
7.8%
Comprehensive income
13,928
18,065
25,485
13,709
5,847
6,650
13.7%
EPS
1.70
1.97
2.14
1.76
0.93
1.04
0.12
Year-over-Year Comparison
Full Year Results

31

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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
1H20
1.65%
1.64%
1.59%
1.40%
1.44%
1.26%
1.18%
1.06%
1.00%
0.99%
43.03%
43.19%
44.02%
48.38%
44.55%
79.28%
78.71%
74.29%
71.04%
74.04%
0.38%
0.32%
0.24%
0.24%
0.29%
0.46%
0.34%
0.28%
0.24%
0.28%
0.05%
0.23%
0.08%
0.20%
0.35%
1.38%
1.25%
1.27%
1.26%
1.20%
358.56%
389.64%
527.52%
527.32%
404.20%		 1H21 Change
-2.78%
0.00%
1.84%
-2.90%
-31.03%
-25.00%
-60.00%
5.00%
47.43%
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%
0.99%
45.37%
71.89%
0.20%
0.21%
0.14%
1.26%
595.90%
CAR
Tier-1		 13.42%
13.57%
13.00%
13.63%
13.43%
11.25%
11.58%
11.11%
11.66%
11.44%		 14.14%
12.28%		 5.29%
7.34%
ROAA2
ROAE2
1. Loan to depoist ratio = total loan /
2. Annualized figures.		 0.60%
0.65%
0.64%
0.48%
0.54%
7.91%
8.71%
8.97%
7.16%
7.88%
total deposit		 0.56%
8.70%

32

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第一銀行資產品質

FB NPL Migration in NT$ million or %

FB NPL Migration
in NT$ million or %
2019
2020
Q1
Q2
1H20
1H21
Change
NPL- beginning
5,449
4,249
4,500
4,534
4,249
4,500
5.9%
Net new NPL influx
4,132
6,408
1,404
177
5,560
1,581
-71.6%
Domestic
3,210
4,866
162
462
4,536
624
-86.2%
Overseas
922
1,542
1,242
(285)
1,024
957
-6.5%
Net write-offs
(5,332)
(6,157)
(1,370)
(619)
(4,487)
(1,989)
-55.7%
NPL- ending balance
4,249
4,500
4,534
4,092
5,322
4,092
-23.1%
Allowance for loan loss- beginning
21,229
22,414
23,728
23,907
22,414
23,728
5.9%
Provisions for loan loss
6,439
7,666
1,483
1,162
3,623
2,645
-27.0%
Net write-offs
(5,332)
(6,157)
(1,370)
(619)
(4,487)
(1,989)
-55.7%
Others
78
(195)
66
(69)
(38)
(3)
-92.1%
Allowance for loan loss- ending
22,414
23,728
23,907
24,381
21,512
24,381
13.3%
Recovery from bad debt
2,897
3,471
691
1,148
1,414
1,839
30.1%
Domestic
2,684
3,414
669
1,067
1,388
1,736
25.1%
Overseas
164
8
10
72
2
82
4000.0%
Credit card
49
49
12
9
24
21
-12.5%
1. Non-consolidated basis
Year-over-Year Comparison
2021 Quarterly
Full Year Results
  1. Non-consolidated basis

33

第一金證券營運報告

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First Sec Income Statement Summary

in NT$ million or %

2017
2018
2019
2020
1H20
1H21
Change
Full Year Results
Year-over-Year Comparison		 2017
2018
2019
2020
1H20
1H21
Change
Full Year Results
Year-over-Year Comparison		 2017
2018
2019
2020
1H20
1H21
Change
Full Year Results
Year-over-Year Comparison
1H21 Change
103.1%
72.8%
320.8%
564.8%
-17.5%
128.0%
38.5%
56.7%
454.0%
395.0%
#DIV/0!
461.5%
396.3%
289.3%
-2.8%
-0.8%
Brokerage commission
Net interest income
Underwriting commission
Transaction gains through F/V, net
Other operating income
Total operating income
Total operating expenses
Non-operating income
Income before tax
Income tax		 849
899
777
1,351
573
306
293
220
242
103
38
97
45
77
24
227
29
270
476
54
107
34
89
127
57
1,527
1,352
1,401
2,273
811
(1,301)
(1,260)
(1,172)
(1,489)
(665)
72
77
86
80
30
298
169
315
864
176
(26)
(55)
(43)
(120)
(20)		 1,164
178
101
359
47
1,849
(921)
47
975
(99)
Cummulative effect of change in
accounting principles		 0
0
0
0
0		 0
Net income 272
114
272
744
156		 876
First Sec Key Ratios
ROAE (Annualized)
ROAA (Annualized)
Brokerage market share
Margin loan market share		 4.41%
1.81%
4.28% 11.05%
4.84%
1.55%
0.61%
1.32%
2.81%
1.31%
1.53%
1.42%
1.39%
1.50%
1.43%
2.94%
2.53%
2.29%
2.46%
2.37%		 24.02%
5.10%
1.39%
2.35%

34

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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
1H20
1H21
Change
Year-over-Year Comparison
Full Yeart Results		 2017
2018
2019
2020
1H20
1H21
Change
Year-over-Year Comparison
Full Yeart Results		 2017
2018
2019
2020
1H20
1H21
Change
Year-over-Year Comparison
Full Yeart Results		 2017
2018
2019
2020
1H20
1H21
Change
Year-over-Year Comparison
Full Yeart Results
1H21 Change
Total operating income
Management fee
501
640
615
584
265
Sales service fee
7
13
28
33
20
Total operating income
508
653
643
617
285
Operating expenses
(440)
(540)
(559)
(532)
(249)
Non-operating income
15
12
21
8
4
Income before tax
82
125
105
93
40
Income tax
(12)
(24)
(19)
(18)
(8)
Income after tax
70
101
86
76
32
Cummulative effect of change in accounting principles
0
0
0
0
0		 334
14
348
(294)
9
63
(11)
51
0		 26.0%
-30.0%
22.1%
18.1%
125.0%
57.5%
37.5%
59.4%
#DIV/0!
Net income
70
101
86
76
32		 51 59.4%
y
FSITC Key Ratios
AUM
101,095
85,558
105,042
108,551
105,079
AUM Ranking
8
9
10
11
11		 111,769 6.4%
11
1. Non-consolidated basis

35

第一金人壽營運報告

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

==> picture [513 x 345] intentionally omitted <==

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

Full Year Result Year-over-Year Comparison
2017 2018 2019 2020 1H20 1H21 Change
Income Statement Summary
Operating Revenue 13,298 13,506 14,435 14,865 5,998 7,543 25.8%
Premium Income 11,684 12,698 13,193 13,330 5,318 6,581 23.7%
Other insurance income 277 312 272 256 126 129 2.4%
Net Investment Income 1,337 496 970 1,279 554 833 50.4%
Operating Cost 12,861 13,022 13,565 13,743 5,516 6,863 24.4%
Reinsurance commission 40 49 59 68 32 37 15.6%
Reserves 4,566 11,192 11,304 10,745 3,954 5,028 27.2%
Claims 7,419 851 1,329 2,210 1,167 1,381 18.3%
Commission 711 930 873 720 362 417 15.2%
Others 125 0 0 0 1 0 --
Operating Expenses (566) (638) (655) (730) (353) (353) 0.0%
Profit/Loss of Operation (129) (154) 215 392 129 327 153.5%
Non-Operating Profit 0 0 0 0 0 0 --
Profit/Loss Before Tax (129) (154) 215 392 129 327 153.5%
Income tax 26 13 29 94 47 19 -59.6%
Net Income after tax (103) (141) 244 485 176 346 96.6%
Key Ratios
ROAE(Annualized ratio) -19.39% -13.46% 10.44% 14.02% 10.88% 16.12% 48.2%
ROAA(Annualized ratio) -0.30% -0.34% 0.47% 0.76% 0.60% 0.98% 63.3%
----- End of picture text -----

  • FFHC claims 51% of First-Aviva operating results in 2017.

36

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Q&A
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