FFHC — Interim / Quarterly Report 2021

May 28, 2021

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第一金控 2021年第一季營運報告

May. 31, 2021

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免責聲明

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內容

- 2021 年第一季業務摘錄

• 財務資料

• 營運成果

• 附件

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2021 年第一季業 務摘錄

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自景氣復甦動能中受益

• 股市多頭行情與復甦的產業放款需求合力推升 2021 年第一季的成長 :

第一金集團2021年第一季稅後淨利為NT$50.29 億元，較去年同期成長 +71.2 % ，主係受惠於銀行的紮實營收表現，加上證券與人壽子公司雙雙因資本市場指 數不斷上揚而屢創佳績，兩者合計繳出了佔集團總獲利10%以上的季度營運表 現。

• 受市場低利率影響，企金業務加速成長，同時因台股加權指數創歷史新高後的 資金潮，推動財管業務成長 :

2021年第一季銀行存款業務較去年同期成長+16.9% ，由於後疫情時代極充沛 的資金潮，隨投資人的風險胃納量的提高而不斷拉升財管與投資收益，相當程 度地使第一季的市場充滿牛市氛圍。

 非銀行子公司業務表現持續熱絡：

集團致力於分散獲利來源，銀行子公司的非利息收益亦在2021年第一季揚升， 。 開啟集團非銀行子公司獲利貢獻超過10%的多元獲利模式

• 第一金每股擬配發新臺幣 0.9 元現金股利及 0.1 元股票股利：

第一金2020年度每股盈餘1.31元，擬提案配發新臺幣0.9元現金股利及0.1元股 票股利，此待股東會表決通過。

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2021 年第一季財務資料

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2021 年第一季主要財務數字

銀行 NT$4,402; 87.5% 證券 NT$367;7.3% 投信 NT$21; 0.4 % 其他 NT$34; 0.7% 人壽 NT$169; 3.4% 2021年第一季獲利組合1( in NT$ mn) AMC NT$36; 0.~~7~~	經營績效( in NT$ 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 ~~%~~ 1Q20 2,9381 (4,532) 3,211,987 0.23 17.27 124,619 5.40% 0.36% 124.90% 106.34% 1Q21 5,0291 3,586 3,596,890 0.39 17.51 128,358 9.04% 0.56% 127.17% 106.07% YoY % 71.2% - 12.0% 69.6% 1.4% 3.0% 67.4% 55.6% 1.8% -0.3%

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]

1. 2013[年起依] IFRS[會計準則編製綜合損益表] 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年第一季營運成果

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2021 年第一季合併淨利與綜合損益 (in NT$ mn)
↑ 17.1%
15,949 (873) (3,064) ↑ 71.2%
(6,008)
(974) 5,029
3,586
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 年第一季合併淨利與綜合損益 (in NT$ mn)
13,616
(983)
(3,391)
(5,601)
(703)
2,938
(4,532)
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年第一季主要子公司*獲利表現 - 稅後淨利

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2021 年第一季稅後淨利 -- 主要子公司 (in NT$ mn) ↑ 71.2%
5,029
4,402 ↑32 .8%
由負轉正 Turn Positive
367 21 169 36
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 年第一季稅後淨利 -- 主要子公司 (in NT$ mn)
3,316
2,938
11 33
(96) (14)
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 年第一季營運成果

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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
9.16% 9.52% 9.73% 9.11% 9.04%
8.12% 8.19% 7.62%
5.40%
19,369
16,808
15,377
13,378
9,914
8,764
4,810 5,029
2,938
3M19 6M19 9M19 2019 3M20 6M20 9M20 2020 3M21
First Bank Net Income & ROAE (in NT$ mn & %)
累積淨利 年化股東權益報酬率
9.00% 9.34% 9.55% 8.97% 6.08% 7.88% 7.75% 7.16% 7.96%
19,035
15,043 15,683
12,605
9,708
8,483
4,715 4,402
3,316
3M19 6M19 9M19 2019 3M20 6M20 9M20 2020 1Q21
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一銀 2021年第一季稅前獲利

2021年第一季累積淨收益(in NT$ mn or %)	2021年第一季累積淨收益(in NT$ mn or %)	2021年第一季累積淨收益(in NT$ mn or %)	2021年第一季累積淨收益(in NT$ mn or %)	2021年第一季累積淨收益(in NT$ mn or %)	2021年第一季累積淨收益(in NT$ mn or %)
	累積淨收益 +15.5% 9,784 11,302 1Q20 1Q21
			項目 1Q20	1Q21	Change
			淨利收 71.6%	66.9%	-4.7%
			淨手續費收益 18.0%	16.0%	-2.0%
			投資收益/短投 0.1%	0.2%	+0.1%
			投資收益/長投 1.0%	0.6%	-0.4%
			投資收益/其他金融商品 9.3%	15.2%	+5.9%
			其他 0.0%	1.1%	+1.1%
			z 淨收益 100.0%	100.0%
			呆帳費用(淨額) -10.0%	-7.6%	-2.4%
			營業費用 -49.3%	-45.1%	-4.2%
2021年第一季淨收益&費用比較( NT$mn )			稅前獲利 40.7%	47.3%	+6.6%

1. Gross Provision expense.

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一銀 2021年第一季 放款結構

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152.9 492.5 146.3 793.6 133.6 478.8 712.5 399.9 57.4 381.9 1Q201Q21 1Q20 1Q21 1Q20 1Q21 1Q20 1Q21 1Q20 1Q21 ↑2.9% 外幣↓4.5% 2021年第一季總放款1 (in NT$ bn or %) 2021年第一季總放款1 結構(in NT$ bn ) 房屋貸款 大企業放款 項目 1Q20 1Q21 Change 消金放款 28.9% 28.3% -0.6% 房貸 26.6% 25.3% -1.3% 其他消金 2.3% 3.0% +0.7% 法金放款 71.1% 71.7% +0.6% 大企業放款 8.5% 7.5% -1.0% 中小企業放款2 39.5% 40.8% +1.3% 外幣放款 22.2% 19.6% -2.6% --- 海外分行 14.1% 12.2% -1.9% 政府公營 0.9% 3.8% +2.9% 總放款1 100.0% 100.0% 各類放款結構 ↓4.3% 海外 254.3 ↑11.4% 海外 237.7 海外↓ 6.5% 1,801.5 1,947.9 1Q20 1Q21 總放款1 +8.1% 其他消金 59.1 bn 中小企業放款2 外幣放款 其他3	152.9 492.5 146.3 793.6 133.6 478.8 712.5 399.9 57.4 381.9 1Q201Q21 1Q20 1Q21 1Q20 1Q21 1Q20 1Q21 1Q20 1Q21 ↑2.9% 外幣↓4.5% 2021年第一季總放款1 (in NT$ bn or %) 2021年第一季總放款1 結構(in NT$ bn ) 房屋貸款 大企業放款 項目 1Q20 1Q21 Change 消金放款 28.9% 28.3% -0.6% 房貸 26.6% 25.3% -1.3% 其他消金 2.3% 3.0% +0.7% 法金放款 71.1% 71.7% +0.6% 大企業放款 8.5% 7.5% -1.0% 中小企業放款2 39.5% 40.8% +1.3% 外幣放款 22.2% 19.6% -2.6% --- 海外分行 14.1% 12.2% -1.9% 政府公營 0.9% 3.8% +2.9% 總放款1 100.0% 100.0% 各類放款結構 ↓4.3% 海外 254.3 ↑11.4% 海外 237.7 海外↓ 6.5% 1,801.5 1,947.9 1Q20 1Q21 總放款1 +8.1% 其他消金 59.1 bn 中小企業放款2 外幣放款 其他3	項目 1Q20 1Q21 Change 消金放款 28.9% 28.3% -0.6% 房貸 26.6% 25.3% -1.3% 其他消金 2.3% 3.0% +0.7% 法金放款 71.1% 71.7% +0.6% 大企業放款 8.5% 7.5% -1.0% 中小企業放款2 39.5% 40.8% +1.3% 外幣放款 22.2% 19.6% -2.6% --- 海外分行 14.1% 12.2% -1.9% 政府公營 0.9% 3.8% +2.9% 總放款1 100.0% 100.0% 各類放款結構
		項目 1Q20 1Q21 Change 消金放款 28.9% 28.3% -0.6% 房貸 26.6% 25.3% -1.3% 其他消金 2.3% 3.0% +0.7% 法金放款 71.1% 71.7% +0.6% 大企業放款 8.5% 7.5% -1.0% 中小企業放款2 39.5% 40.8% +1.3% 外幣放款 22.2% 19.6% -2.6% --- 海外分行 14.1% 12.2% -1.9% 政府公營 0.9% 3.8% +2.9% 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 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			1,801.5					1,836.3				1,880.3					1,910.2					1,947.9					↑2.0%
																												QoQ%
	房屋貸款				478.8					486.8					493.0					495.8					492.5			房貸↓0.7%
	中小企業放款				712.5					729.4					758.0					791.0					793.6			中小企業↑0.3%
	大企業放款				152.9					148.7					148.5					155.4					146.3			大企業↓5.9%
	外幣放款				399.9					369.4					379.6					374.2					381.9			外幣↑2.1%
	其他				~~57.4~~ 1Q20					102.0 2Q20					101.2 3Q20					93.8 4Q20					133.6 1Q21

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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
78.12% 77.45% 76.56% 台幣 76.4%
74.29% 74.04% 73.14% 外幣 53.8%
71.04% 70.76%
1,722.7 1,736.1 1,772.9 1,806.2 1,840.8 1,884.6 1,914.4 1,952.1
2Q19 3Q19 2019 1Q20 2Q20 3Q20 2020 1Q21
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.61% 1.60% 1.59%
1.51%
1.44%
1.41% 1.40% 1.39%
1.06% 1.07% 1.06%
1.01% 0.99% 0.99% 1.00% 0.98%
2Q19 3Q19 2019 1Q20 2Q20 3Q20 2020 1Q21
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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 )
1.36%
1.25% 1.25%
1.22%
1.24%
1.79%
1.56% 1.53% 1.55% 1.53%
0.43%
0.32% 0.31% 0.30% 0.28%
1Q20 2Q20 3Q20 4Q20 1Q21
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 )
2.18%
1.98%
1.92% 1.93% 1.92%
3.50%
2.89%
2.57%
2.40% 2.36%
1.32%
0.97%
0.64%
0.48% 0.38%
1Q20 2Q20 3Q20 4Q20 1Q21
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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
709.9
608.8 +16.6% 70.11%
69.13%
67.13% 67.42%
△
2021 年第一季
總存款
$2,758.7 bn
+16.9% YoY
+17.0%
2,048.8
1,750.6
2019 1H20 2020 1Q21
1Q20 1Q21
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一銀特定產業貸放集中度

- 2020 年 特定貸放產業佔比

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非製造業 (76.62%)
總授信餘額 . [1] : NT$2,083.8bn
製造業 (23.38%) 旅館餐飲 2.16%
4.32% 塑化
營造 2.81%
批發零售 10.43%
5.80% 金屬
不動產 10.83%
4.09% 科技
運輸 3.55%
4.01% 機械
銀行保險 4.31%
5.16% 其他製造業
其他(含房貸) 42.53%
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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 : 0.15% (1Q21)
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
1.74% 1.35% 1.35% 1.46% 1.46% 東部 4%
9%
65.18% 64.96% 64.90% 64.87% 64.82%
高屏
45.71% 45.94% 45.96% 45.96% 45.66%
10% 桃竹苗
20%
雲嘉南
1Q20 2Q20 3Q20 2020 1Q21
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 QoQ ↓ 24 .4%
22,038
16,660
7,250 7,611 9,599 8,771 7,941 8,981 8,092 8,571 9,058 7,802 7,312 6,924 6,530
5,601
4,529
1M20 2M20 3M20 4M20 5M20 6M20 7M20 8M20 9M20 10M20 11M20 12M20 1M21 2M21 3M21
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一銀2021年第一季淨手續費結構

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2021 年第一季累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 1Q20 1Q21 Change
財富管理 [1 ] 55.5% 56.6% +1.1%
1,808
1,756 放款相關 20.4% 20.0% -0.4%
外匯 10.0% 9.7% -0.3%
+3.0%
信用卡 3.6% 4.3% +0.7%
其他 [2] 10.5% 9.4% -1.1%
1Q20 1Q21
淨手續費收益 累積淨手續費收益 100.0% 100.0%
2021 年第一季累積淨手續費收益 ( in NT$ mn )
↑ 5.1%
1,024
974
↑ 0.8%
↓ 0.6%
359 362
176 175 184 169
63 78
1Q20 1Q21 1Q20 1Q21 1Q20 1Q21 1Q20 1Q21 1Q20 1Q21
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)	淨手續費收益(in NT$ mn)
每季淨手 續費收益	1,756		1,882		1,790			1,900		1,808	↓4.8% QoQ
			153					195
其他 * 信用卡 外匯相關	176 63 184		175 70		85 200 178			184 102		175 78 169
			413
放款相關	359				409			411		362
			103
保管	108				114			118		122		QoQ
銀行保險	297		467		196			326		287		銀行保險 ↓12.0%
基金銷售	569		501		608			564		615		基金銷售 ↑9.0%
	1Q20		2Q20		3Q20			4Q20		1Q21

• 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年第一季營業費用比率

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2021 年第一季累積營業費用 (in NT$ mn ) 營業費用比率分析 ( in NT$ mn)
項目 1Q20 1Q21
5,094
淨收益 9,784 11,302
4,826
+5.6% 營業費用 (4,826) (5,094)
呆帳費用 ( 淨 ) (974) (861)
所得稅 (668) (945)
1Q20 1Q21
淨利 3,316 4,402
營業費用
季度營業費用 & 營業費用佔比 ( in NT$ mn or % )
淨收益 營業費用 累積營業費用佔比
49.33%
48.38%
44.03% 44.55% 45.68% 45.07%
12,434
11,427 11,262 11,302
10,654
9,784
6,058
5,425 4,826 5,072 5,394 5,094
2019 1Q20 2Q20 3Q20 2020 1Q21
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一銀2021年第一季資產品質

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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 呆帳提存準備
額
527.52%
497.39% 525.79% 515.07% 527.32% 527.30%
404.20%
0.29%
0.26%
0.24% 0.23% 0.23% 0.24% 0.23%
22,094 22,414 21,408 21,512 21,927 23,728 23,907
4,442 4,249 4,072 5,322 4,257 4,500 4,534
9M19 2019 3M20 6M20 9M20 2020 3M21
1
個人 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
0.25%
0.23% 0.21% 0.20% 0.59%
0.18%
0.37%
0.27% 0.35% 0.35% 0.35%
0.18%
0.18% 0.16%
0.15% 0.13% 0.02% 0.29% 0.28% 0.27%
1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21
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1. 個人 : 包含房貸及個人非房貸

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一銀 2021年第一季海外業務盈餘

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2021 年第一季海外分行稅前獲利分析 ( in NT$ mn or %) 2021 年第一季全行稅前獲利分析 ( in NT$ mn or %)
42.20% 一銀 2021 年第一季稅前獲利
22.6%
$5,348 mn
國內市場 ;
2021 年第一季 OBU/ 大中華 73.2%
北美
海外稅前獲利
東協
$1,432 mn
其他
30.4% 其他海外地區 ; 大中華 ( 含 OBU) ;
4.8% 15.5% 11.3%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
44.86% 45.76% 40.50% 43.64%
35.17%
26.78%
6,042
4,806 5,248
4,744
3,984 3,585
3,175
2,244 1,401 1,402 2,032 1432
4Q19 1Q20 2Q20 3Q20 4Q20 1Q21
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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
131.70%
121.35% 120.82% 118.70% 123.18% 125.21% 127.17%
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% 13.73% CAR
Tier 1
11.08% 11.58% 11.22% 11.11% 11.44% 11.66% 11.90%
1H18 2H18 1H19 2H19 1H20 2H20 1Q21
1H18 2H18 1H19 2H19 1H20 2H20 1Q21
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• 金控公司法定上限 : 雙重槓桿 < 125% ; 債務比 < 30%

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股利政策

	2016 2017 2018 2019 2020 現金股利 1.20 0.90 1.00 1.05 0.90 股票股利 0.20 0.10 0.10 0.30 0.10 總計股利 1.40 1.00 1.10 1.35 1.00 現金股利派發率 84.5% 72.0% 71.9% 67.7% 68.7% 1.40 1.00 1.10 1.35 1.00 1.42 1.55 1.25 1.39 1.311 2016 2017 2018 2019 2020 第一金控每股盈餘與股利派發( in NT$dollar) 每股盈餘 股利 年度股利政策( in NT$ dollar )	2016 2017 2018 2019 2020 現金股利 1.20 0.90 1.00 1.05 0.90 股票股利 0.20 0.10 0.10 0.30 0.10 總計股利 1.40 1.00 1.10 1.35 1.00 現金股利派發率 84.5% 72.0% 71.9% 67.7% 68.7% 1.40 1.00 1.10 1.35 1.00 1.42 1.55 1.25 1.39 1.311 2016 2017 2018 2019 2020 第一金控每股盈餘與股利派發( in NT$dollar) 每股盈餘 股利 年度股利政策( in NT$ dollar )
	1.40 1.00 1.10 1.35 1.00 1.42 1.55 1.25 1.39 1.311 2016 2017 2018 2019 2020 第一金控每股盈餘與股利派發( in NT$dollar) 每股盈餘 股利
	每股盈餘 股利
	年度股利政策(
		2016 2017 2018 2019 2020
	現金股利	1.20 0.90 1.00 1.05 0.90
	股票股利	0.20 0.10 0.10 0.30 0.10
	總計股利	1.40 1.00 1.10 1.35 1.00
	現金股利派發率	84.5% 72.0% 71.9% 67.7% 68.7%

1. 每股盈餘依年按增資股數後調整

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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 %)	FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)
	2017 2018 2019 2020 1Q20 1Q21 Change Year-over-Year Comparison
	2017 2018 2019 2020 1Q20		1Q21	Change
	Net interest income 29,993 30,268 29,604 30,483 7,467 Net service fee & commission 8,341 8,526 8,676 8,853 1,999 Net Insurance revenue 5,130 11,733 11,729 10,992 3,506 Gain on financial assets meas. 5,550 4,880 9,072 5,928 (905) at fair value through P/L Real estate investment gain 93 117 138 211 39 Gain on AFS financial assets 1,052 0 0 0 0
			8,092 2,314 3,143 774 44 0	8.4% 15.8% -10.4% -185.5% 12.8% --
	Gain on financial assets at fair value through other compre. income 0 1,566 1,505 2,673 563		904	60.6%
	Income from equity invest. 138 110 125 137 41		10	-75.6%
	Excluding gainon fin.assetsmeasured at amort.c 0 22 40 63 2		0	-100.0%
	Reserve of overlay approach	0 0 (22) 39 279	(21)	--
	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 1,147 243 633 (46) (90) (18) (42) (23) 746 618 322 (12) 16 50,827 60,249 62,318 59,568 13,616 (6,772) (5,486) (3,852) (4,511) (983) (4,560) (11,153) (11,256) (10,707) (3,391) (21,347) (22,906) (23,901) (24,730) (5,601) 18,148 20,703 23,309 19,620 3,641 (2,716) (3,370) (3,940) (2,812) (703) 15,432 17,332 19,369 16,808 2,938	541 32 116 15,949 (873) (3,064) (6,008) 6,004 (974) 5,029	-14.5% -239.1% 625.0% 17.1% -11.2% -9.6% 7.3% 64.9% 38.5% 71.2%
	Other Items Comprehensive Income	(1,038) 417 7,399 (2,248) (7,470) 14,394 17,749 26,768 14,559 (4,532)	(1,443) 3,586	-80.7% -179.1%
	Net Income attributed to: Parent Minorityinterests	15,483 17,332 19,369 16,808 2,938 (51) 0 0 0 0	5,029 0	71.2% -
	Comprehensive Income attributed to: Parent Minorityinterests	14,380 17,749 26,768 14,559 (4,532) 14 0 0 0 0	3,586 0	-179.1% -
	EPS1(NT$)
		1.24 1.35 1.51 1.31 0.23	0.39	69.6%

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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$, or %
	Full	Year Results			Year-over-Year Comparison
	2017	2018	2019	2020	1Q20	**1Q21 **	Change
Operating revenues
Income from long-term investment	15,693	17,904	19,835	17,146	3,364	5,095	51.5%
Other income1	246	227	190	187	2	1	-50.0%
Total revenues	15,939	18,131	20,025	17,333	3,366	5,096	51.4%
Loss from long-term investment	(53)	(321)	0	0	(305)	0	-
Operating expenses	(334)	(356)	(389)	(378)	(70)	(91)	30.0%
Other expenses and losses	(118)	(110)	(202)	(201)	(53)	(46)	-13.2%
Income from continued op. before tax	15,434	17,344	19,434	16,753	2,938	4,959	68.8%
Income from continued op. after tax	15,483	17,332	19,369	16,808	2,938	4,959	68.8%
Income from discontinued op., net of tax	0	0	0	0	0	0	--
Net income	15,483	17,332	19,369	16,808	2,938	5,029	71.2%
EPS2(NT$)	1.24	1.35	1.51	1.31	0.23	0.39	69.6%

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

	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
		1Q20	**1Q21 **	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		228,854 237,071 21,871 215,200 3,211,987 2,996,787 215,200 215,200 0 124,619	238,447 247,953 23,160 224,793 3,596,890 3,372,097 224,793 224,793 0 128,358	4.2% 4.6% 5.9% 4.5% 12.0% 12.5% 4.5% 4.5% -- 3.0%

*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

FFHC Key Ratios
	2017 2018 2019 2020 1Q20 1Q21 Change 0.60% 0.62% 0.63% 0.50% 0.36% 0.56% 55.6% 8.04% 8.58% 9.11% 7.62% 5.40% 9.04% 67.4% 15.70 16.64 17.63 17.23 17.27 17.51 1.4% 122,164 123,386 124,619 128,358 124,619 128,358 3.0% 107.40% 105.90% 105.98% 106.10% 106.34% 106.07% -0.3% 131.31% 131.70% 118.70% 125.21% 124.90% 127.17% 1.8% 8.24% 8.62% 8.91% 9.31% 9.23% 9.34% 1.2% Year-over-Year Comparison Full Year Results
		1Q20	**1Q21 **	Change
After-tax ROAA (Annualized ratio) After-tax ROAE (Annualized ratio) Book Per Share Capital Stock Double leverage1 Group CAR2 Debt Ratio3		0.36% 5.40% 17.27 124,619 106.34% 124.90% 9.23%	0.56% 9.04% 17.51 128,358 106.07% 127.17% 9.34%	55.6% 67.4% 1.4% 3.0% -0.3% 1.8% 1.2%

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 1Q20 1Q21 Change Net interest income 28,843 28,669 27,832 28,534 7,001 7,556 7.9% Net fee income 7,457 7,563 7,858 7,328 1,756 1,809 3.0% Net gain on ST invest. 398 98 515 655 12 26 116.7% Net gain on LT invest. 719 834 903 826 98 73 -25.5% Net gain on other fin. products 5,256 8,396 9,932 6,710 920 1,714 86.3% Other net income 241 462 273 81 (3) 124 -4233.3% Net revenue 42,914 46,022 47,313 44,134 9,784 11,302 15.5% Operating expenses (18,466) (19,863) (20,834) (21,350) (4,826) (5,094) 5.6% Pre-provisiion pre-tax profit 24,448 26,159 26,479 22,785 4,958 6,208 25.2% Provision expense (9,621) (8,480) (6,655) (7,900) (1,658) (1,552) -6.4% Adjustment: bad-debt recovery 2,782 3,017 2,898 3,471 684 691 1.0% Income before tax 17,609 20,696 22,722 18,356 3,984 5,347 34.2% Income tax (2,467) (3,134) (3,688) (2,673) (668) (945) 41.5% Net income 15,142 17,562 19,035 15,683 3,316 4,402 32.8% Other items (1,214) 503 6,450 (1,974) (6,166) (997) -83.8% Comprehensive income 13,928 18,065 25,485 13,709 (2,850) 3,406 -219.5% EPS 1.70 1.97 2.14 1.76 0.37 0.49 0.32 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
					~~YY Ci~~ ~~Fll Y Rlt~~
					~~ear-o~~ ~~u ear esus~~	~~er-ear omparson~~
					2017 2018 2019 2020 1Q20 1.65% 1.64% 1.59% 1.40% 1.51% 1.26% 1.18% 1.06% 1.00% 1.01% 43.03% 43.19% 44.02% 48.38% 49.33% 79.28% 78.71% 74.29% 71.04% 76.56% 0.38% 0.32% 0.24% 0.24% 0.23% 0.46% 0.34% 0.28% 0.24% 0.27% 0.05% 0.23% 0.08% 0.20% 0.06% 1.38% 1.25% 1.27% 1.26% 1.20% 358.56% 389.64% 527.52% 527.32% 525.79%	1Q21	Change -7.95% -2.97% -8.64% -7.58% 0.00% -14.81% 316.67% 5.83% 0.29%
				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		1.39% 0.98% 45.07% 70.76% 0.23% 0.23% 0.25% 1.27% 527.30%
				CAR Tier-1	13.42% 13.57% 13.00% 13.63% 13.64% 11.25% 11.58% 11.11% 11.66% 11.72%	13.73% 11.90%	0.66% 1.54%
				ROAA2 ROAE2 1. Loan to depoist ratio = total loan / 2. Annualized figures.	0.60% 0.65% 0.64% 0.48% 0.44% 7.91% 8.71% 8.97% 7.16% 6.08% total deposit	0.52% 7.96%

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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 Q3 Q4 1Q20 1Q21 Change NPL- beginning 5,449 4,249 4,249 4,072 5,322 4,257 4,249 4,500 5.9% Net new NPL influx 4,132 6,408 2,463 3,097 585 263 2,463 1,404 -43.0% Domestic 3,210 4,866 2,419 2,117 326 4 2,419 162 -93.3% Overseas 922 1,542 44 980 259 259 44 1,242 2722.7% Net write-offs (5,332) (6,157) (2,640) (1,847) (1,650) (20) (2,640) (1,370) -48.1% NPL- ending balance 4,249 4,500 4,072 5,322 4,257 4,500 4,072 4,534 11.3% Allowance for loan loss- beginning 21,229 22,414 22,414 21,408 21,512 21,927 22,414 23,728 5.9% Provisions for loan loss 6,439 7,666 1,628 1,995 2,169 1,874 1,628 1,483 -8.9% Net write-offs (5,332) (6,157) (2,640) (1,847) (1,650) (20) (2,640) (1,370) -48.1% Others 78 (195) 6 (44) (104) (53) 6 66 1000.0% Allowance for loan loss- ending 22,414 23,728 21,408 21,512 21,927 23,728 21,408 23,907 11.7% Recovery from bad debt 2,897 3,471 684 730 1094 963 684 691 1.0% Domestic 2,684 3,414 670 718 1,079 947 670 669 -0.1% Overseas 164 8 1 1 2 4 1 10 900.0% Credit card 49 49 13 11 13 12 13 12 -7.7% 1. Non-consolidated basis Year-over-Year Comparison 2020 Quarterly Full Year Results

1. Non-consolidated basis

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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 1Q20 1Q21 Change Full Year Results Year-over-Year Comparison	2017 2018 2019 2020 1Q20 1Q21 Change Full Year Results Year-over-Year Comparison	2017 2018 2019 2020 1Q20 1Q21 Change Full Year Results Year-over-Year Comparison
		1Q21	Change
			84.9% 60.4% -7.1% -257.2% -25.0% 271.8% 29.5% 81.8% -543.6% 2400.0% #DIV/0! -482.3% -436.4% -364.4% 5.1% 4.7%
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 1,351 259 306 293 220 242 53 38 97 45 77 14 227 29 270 476 (138) 107 34 89 127 32 1,527 1,352 1,401 2,273 220 (1,301) (1,260) (1,172) (1,489) (325) 72 77 86 80 11 298 169 315 864 (94) (26) (55) (43) (120) (2)	479 85 13 217 24 818 (421) 20 417 (50)
Cummulative effect of change in accounting principles	0 0 0 0 0	0
Net income	272 114 272 744 (96)	367
First Sec Key Ratios
ROAE (Annualized) ROAA (Annualized) Brokerage market share Margin loan market share	4.41% 1.81% 4.28% 11.05% -6.04% 1.55% 0.61% 1.32% 2.81% -1.80% 1.53% 1.42% 1.39% 1.50% 1.38% 2.94% 2.53% 2.29% 2.46% 2.33%	20.32% 4.76% 1.45% 2.44%

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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 1Q20 1Q21 Change Year-over-Year Comparison Full Yeart Results	2017 2018 2019 2020 1Q20 1Q21 Change Year-over-Year Comparison Full Yeart Results	2017 2018 2019 2020 1Q20 1Q21 Change Year-over-Year Comparison Full Yeart Results	2017 2018 2019 2020 1Q20 1Q21 Change Year-over-Year Comparison Full Yeart Results
			1Q21	Change
Total operating income
Management fee 501 640 615 584 135 Sales service fee 7 13 28 33 13 Total operating income 508 653 643 617 148 Operating expenses (440) (540) (559) (532) (130) Non-operating income 15 12 21 8 (3) Income before tax 82 125 105 93 15 Income tax (12) (24) (19) (18) (4) Income after tax 70 101 86 76 11 Cummulative effect of change in accounting principles 0 0 0 0 0			162 8 170 (146) 2 26 (5) 21 0	20.0% -38.5% 14.9% 12.3% -166.7% 73.3% 25.0% 90.9% #DIV/0!
Net income 70 101 86 76 11			21	90.9%
y FSITC Key Ratios
AUM 101,095 85,558 105,042 108,551 93,565 AUM Ranking 8 9 10 11 11			107,789	15.2%
			12
1. Non-consolidated basis

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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 1Q20 1Q21 Change
Income Statement Summary
Operating Revenue 13,298 13,506 14,435 14,865 4,276 4,291 0.4%
Premium Income 11,684 12,698 13,193 13,330 4,005 3,800 -5.1%
Other insurance income 277 312 272 256 66 70 6.1%
Net Investment Income 1,337 496 970 1,279 205 421 105.4%
Operating Cost 12,861 13,022 13,565 13,743 4,116 3,935 -4.4%
Reinsurance commission 40 49 59 68 16 19 18.8%
Reserves 4,566 11,192 11,304 10,745 3,401 3,068 -9.8%
Claims 7,419 851 1,329 2,210 465 629 35.3%
Commission 711 930 873 720 234 219 -6.4%
Others 125 0 0 0 0 0 --
Operating Expenses (566) (638) (655) (730) (186) (185) -0.5%
Profit/Loss of Operation (129) (154) 215 392 (26) 171 -757.7%
Non-Operating Profit 0 0 0 0 (2) 0 --
Profit/Loss Before Tax (129) (154) 215 392 (28) 171 -710.7%
Income tax 26 13 29 94 14 (2) -114.3%
Net Income after tax (103) (141) 244 485 (14) 169 -1307.1%
Key Ratios
ROAE(Annualized ratio) -19.39% -13.46% 10.44% 14.02% -2.16% 18.04% -935.2%
ROAA(Annualized ratio) -0.30% -0.34% 0.47% 0.76% -0.08% 0.96% -1300.0%
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• FFHC claims 51% of First-Aviva operating results in 2017.

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Q&A
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