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HNFHC Interim / Quarterly Report 2021

Aug 25, 2021

52211_rns_2021-08-25_a593d1e3-421e-4ec6-91bc-5e51ebe9b734.pdf

Interim / Quarterly Report

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HNFHC 2Q 2021 Analyst Meeting (Bloomberg: 2880 TT) 2021/08/25 Senior Vice President & General Manager Ms. Jully W. L. Chu

Disclaimer

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  • This document is provided by Hua Nan Financial Holdings Co. Ltd. (“HNFHC”). The information contained in this document is not audited or reviewed by any accountant or any independent expert. HNFHC makes no warranties or representations expressly or impliedly as to the fairness, accuracy, completeness or correctness of such information or opinions. The document is provided as of the date herein and will not be updated to reflect any change hereafter. No responsibility is accepted by HNFHC, its affiliates and their representatives, no matter for their negligence or any other reason, for any loss or damages arising from the use of this document or the information contained herein or anything related to this document.

  • This document may contain forward-looking statements, including but not limited to all statements that address activities, events or developments that HNFHC expects or anticipates to occur in the future, which is based on the projects of HNFHC toward the future, and various factors and uncertainness beyond HNFHC’s control. Therefore, the actual results may differ materially from those contained in the forward-looking statements.

  • This document do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to buy any securities or financial instruments.

  • This document may not be directly or indirectly reproduced, redistributed or forwarded to any other person and may not be published in whole or in part for any purpose.

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2

Agenda

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1H2021 Highlights…….…….....................P.4

Operating Results –HNFHC……..….........P.7

Operating Results –Subsidiaries………P.10

Asset Quality…………………….........…..P.21

  • 2021 2[nd] Half Outlook…..........................P.24

  • ESG Performance and Goal...................P.26

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3

1H2021 Highlights

4

1H2021 Financial Highlights

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Strong NII and WM NFI momentum brought up profits.

  • HNFHC’s net profit was NT$9.29 billion, increased by 530.6% YoY, and net revenue was NT$25.29 billion, rose by 49.0% YoY in 1H21, mainly driven by subsidiary HNCB’s strong momentum in NII and WM NFI. HNFHC’s EPS, ROE and ROA were NT$0.72, 9.55% and 0.58% in 1H21. The result also reflected HNSC’s strong brokerage fee income momentum and surging profit compared to warrant trading losses last year.

  • HNCB’s net profit was NT$ 7.82 billion, went up by 35.0% YoY in 1H21, which was benefited from increasing NII (up 9.7% YoY), greater NFI (up 22.5% YoY), less treasury income (down 12.5% YoY) and lower provisions (down NT$0.97 billion YoY).

Benign asset quality

  • HNCB’s asset quality maintained benign with NPL ratio at 0.14% and coverage ratio at 843.14% in 2Q21, which were both superior to peers.

Stable adequate capital structure

  • HNFHC CAR ratio was 124.97% in 2Q21; HNCB CAR was 14.46%, Tier 1 was 12.17%, and CET 1 was 10.53% in 2Q21.

  • HNFHC and HNCB’s issuer credit ratings affirmed by Taiwan Ratings Corp.(2021/6)

  • HNFHC ： Long-term: twAA-; short-term: twA-1+; outlook: stable.

  • HNCB ： Long-term: twAA+; short-term: twA-1+; outlook: stable.

  • HNCB also received issuer credit rating affirmed by:

  • Moody’s ： Long-term: A2; short-term: P-1; outlook: stable. (2021/6)

  • S&P ： Long-term: A-; short-term:A-2; outlook: positive. (2021/6)

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Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

5

1H2021 Business Highlights

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Buoyant decent core business momentum

  • HNCB’s loan amounted to NT$1.90 trillion in 2Q21, increased by 7.8% YoY, due to growth of SME (+11.2% YoY) and mortgage lending (+13.4% YoY). HNCB was ranked the top 5th in domestic syndicated loan market, and the top 6th in mortgage loan market.

  • HNCB’s deposit amounted to NT$2.66 trillion in 2Q21, grew by 12.7% YoY, due to growth of NTD demand deposit which was ranked the top 3rd in scale. HNCB’s NTD CASA ratio went up to 70.73% continuously.

  • HNCB’s scale of fund custody amounted to NT$596.5 billion in 1Q21, ranked the 3rd largest among peers. NFI from mutual funds reached historical high. Bancassurance fee income remains top 1st among pan state-owned banks.

  • HNSC’s NFI from brokerage business was NT$2.7 billion, soared by 95.4%YoY, and commended 3.24% market share in domestic brokerage business.

  • SCIC’s written premium revenue was NT$6.0 billion, rose by 9.7% YoY, whose market share was 5.71%, and ranked the 6th largest among peers.

Awards & Achievement

  • HNFHC has been selected as a constituent stock in multiple ESG Indexes, please see P.27.

  • HNCB won “2021 Wealth Management Award” of The Most Recommen

  • ded Award, The Best Digital Finance Award, and The Financial Service Innovation Awards.

  • HNCB won “Credit Guarantee Gold Quality Awards-Financial Institute” and other 5 awards by Taiwan SMEG.

  • SCIC won “2021 Faith, Hope and Love Award of Insurance” of The Best Communications Office Award, The Best Insurance Profession Awards, The Best CSR Awards, and other 3 awards,.

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Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

6

Operating Results – HNFHC

7

HNFHC: Net profit was increased by 530.6% in 1H21

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(NT$ mn or NT$ dollor)
1Q2021		 2Q2021 QoQ
1H2020		 1H2021 YoY
Net profit
4,036		 5,253 30.2%
1,473		 9,289 530.6%
Total assets
3,278,679		 3,298,530 0.6%
2,860,221		 3,298,530 15.3%
Book value
193,409		 199,696 3.3%
181,697		 199,696 9.9%
EPS
0.31		 0.41 32.3%
0.11		 0.72 554.5%
Book value per share
15.05		 15.53 3.2%
14.93		 15.53 4.0%
Capital stock
128,548		 128,548 -
121,727		 128,548 5.6%
ROAA (%)
0.52		 0.66 0.14
0.10		 0.58 0.48
ROEA (%)
8.44		 10.80 2.36
1.60		 9.55 7.95
CAR (%)
116.44		 124.97 8.53
114.90		 124.97 10.07
Double Leverage Ratio(%)
116.13		 114.02 (2.11)
116.84		 114.02 (2.82)

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Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

8

HNFHC: Net Profits of major subsidiaries

(NT$mn)
1Q2021
Net Profit		 2Q2021
Net Profit		 QoQ
1H2020
Net Profit		 1H2021
Net Profit		 YoY
HNCB
3,419		 4,398 29%
5,789		 7,817 35%
HNSC
526		 744 41%
(4,368)		 1,270 -
SCIC
203		 282 39%
229		 485 112%
HNIT
5		 (2) -
(14)		 3 -
HNVC
39		 (12) -
146		 27 -82%
HNAMC
33		 49 48%
(3)		 82 -
Total
4,225		 5,459 29%
1,779		 9,684 444%

Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

9

Operating Results – Subsidiaries

10

HNCB: Operating Results

EPS

Net Profit (after tax)

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(NT$mn)
12,461
1.45
7,817
0.91
5,789
0.67
2020 1H20 1H21 2020 1H20 1H21
Returns Market Share
ROEA (after tax) ROAA (after tax) NTD Deposits Loans
7.64% 6.0% 5.9% 6.0%
6.24%
5.90%
5.5%
5.3% 5.3%
0.44% 0.42% 0.50%
2020 1H20 1H21 2020 1H20 1H21
Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS. ： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS. 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS. 11
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Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS. ： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS. 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

HNCB: Net Revenue lifted by 9.3% YoY

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Revenue composition of Hua Nan Bank

(NT$mn)

NII Net fee income Treasury income Others

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NII Net fee income
(NT$mn) 1H20 1H21
Treasury income Others
9.7% 22.5% 12.5% 62.9% 9.3% 18,415 20,125
20,125 347
2%
18,415 1% 213
2,414 12%
15% 2,758
4,090 20%
13,274
12,106 18% 3,338
66% 12,106 13,274 66%
4,090
3,338
2,758
2,414
213 347
Net interest Net fee Treasury Others Net revenue
income income income 1H20 1H21
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Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

12

HNCB: Fee income and wealth management income

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Sources of net fee income Net WM fee income

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(NT$mn) WM FX Loans Credit card Others (NT$mn)
YoY +22.5% YoY +29.2%
4,090
2,736
7%
3,338 299 3% 71 Others
126 3% 4% 94
YoY +18.3%
6% 7% 202
471 12% 2,118
205
3% 3%
115 60 Foreign bonds
458 11% 6% 120 YoY -21.7%
14% 481
8% 169
45% 1,241
13% 419 Custodian
and certificate
45% 953 YoY +19.5%
Life insurance
2,736 67%
YoY +30.2%
64% 2,118
41% 1,128
Structured
38% 816
bonds and
funds
YoY +38.2%
1H20 1H21 1H20 1H21
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(NT$mn)

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13

HNCB: loans continue expanding

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Loan composition

Loans by type

821
867
664
759
275
270
1H20
1H21
(NT$bn)
Corporate loans
Consumer loans
FC loans
1,760
1,896
15%
38%
47%
14%
40%
46%
YoY +7.8%		 14
43
41
233
219
545
607
542
615
122
144
275
270
1H20
1H21
FC loans
Other consumer
Mortgage
SME & others
Large Corp.
Government
YOY -1.9%
YOY +18.8%
YOY +13.4%
YOY +11.2%
YOY -5.8%
YOY -4.6%
1,896
1,760
15%
7%
31%
31%
13%
3%
14%
8%
32%
32%
12%
2%

HNCB: Deposit and LDR

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Deposit composition

Loan-to-deposit ratio(LDR)

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NTD demand deposit NTD time deposit FC deposit
75.10%
(NT$bn)
YoY +12.7%
2,656 69.66%
2,356
575 22%
497 21%
1H20 1H21
22%
581
549 23% NTD CASA ratio
70.73%
1,500 56% 69.44%
1,310 56%
1H20 1H21 1H20 1H21
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15

HNCB: Spreads and NIM

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NTD spread FC spread 1.87% 1.82% 1.47% 1.25% 1.35% 1.41% 1.42%

2.21% 2.20% 2.08% 1.87% 1.82% 1.47% 1.25% 1.35% 1.41% 1.42% 1.32% 1.33% 1.32% 1.31% 1.30% 1.17% 1.15% 1.19% 1.22% 1.23%

FC spread YoY -5bps QoQ +1bp

NTD spread YoY +6bps QoQ +1bp

1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21

2020/03 Overall spread NIM CBC -25bps FED -150bps Overall spread YoY +8bps QoQ +2bps 1.18% 1.15%[[1.21% 1.24% 1.26% ]][[0.96% 0.97% 0.96% ]] NIM 0.83% 0.80% 0.83% 0.83% 0.84% YoY +1bp QoQ +1bp

1.41% 1.42% 1.40% 1.35% 1.33% 1.18% 1.15%[[1.21% 1.24% 1.26% ]] 0.92% 0.92%[[0.96% 0.97% 0.96% ]] 0.83% 0.80% 0.83% 0.83% 0.84% 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21

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Note：Spread and NIM were based on quarterly average.

16

HNCB: Cost to income ratio

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(NT$mn)

Operating expense

Other general admin expenses Depreciation and amortization Employee Benefits

Cost-to-income ratio

YOY +0.5 percentage point

YoY +10.3% Net revenue Operating expense 11,340 56.3% 10,283 55.8%% 2,895 +3.0% 2,812 889 10,283 913 -2.6% +15.2% 7,556 6,558 18,415 1H20 1H21 1H20 1H21

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Net revenue Operating expense
56.3%
55.8%%
11,340
10,283
20,125
18,415
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17

Note： 2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

HNSC: Operating results

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Net profit (after tax)

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(NT$mn)
1270
987
249
2020 2020 1H20 1H20 1H21
-3632
-4368
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EPS

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1.94
1.51
0.38
2020 2020 1H20 1H20 1H21
-5.57
-6.71
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Returns

ROEA (after tax) ROAA (after tax)

Market share

Brokerage Lending balance

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27.35% 4.21% 4.28% 4.37%
9.09% 3.19% 3.17% 3.24%
4.76% 4.31%
2.00%
1.11%
2020 2020 1H20 1H20 1H21
-7.35% -9.21%
Returns after
-33.43% -39.38% adjusting warrants 2020 1H20 1H21
trading losses.
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Note：1.2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS. 2.* Figures were excluded warrants trading losses NT$4,617mn in 1H20 and NT$4,619mn in FY2020 respectively.

18

HNSC: Operating results

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Revenue contribution Underwriting performance
(NT$mn)
Lead IPO Lead SPO Co-lead IPO&SPO
5,160
Derivative
and others
1% (cases)
Security
2%
1H21 Total 13
3,240
Proprietary
4% revenue Brokerage (cases) 2,940
90%
Underwriting 3,222mn
3% 45 870
3 1,840 2
1,900
2 230 1
20
2020 1H21
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19

SCIC: Operating results

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Business metrics

Market share

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(NT$mn) Written premium revenue Written premium market share
10,124
YoY 5.70% 5.71%
5.40%
+9.7%
5,974
5,444
2020 1H20 1H21 2020 1H20 1H21
Returns Net combined ratio
ROEA (after tax) ROAA (after tax) Net claim ratio Net expense ratio
15.49% 96.00% 94.05% 90.27%
34.82% 37.14% 33.26%
8.01% 7.82%
4.17%
2.27% 2.22% 61.18% 56.91% 57.01%
2020 1H20 1H21 2020 1H20 1H21
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Note：2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

20

Asset Quality

21

HNCB: Asset quality

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Provision
(NT$mn) 1H20 1H21 YoY
Provision 3,169 1,393 -56.0%
Write-off 1,859 860 -53.7%
Recovery 1,985 1,180 -40.6%
Reserve 20,658 23,002 +11.3%
NPL ratio
HNCB Peer Average
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0.24% [0.25% ] 0.24% 0.22% 0.23% 0.21%
0.19%
0.13% 0.12% [0.15% 0.16% 0.14% ]
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21
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NPL
(NT$mn)
YoY -558mn
3,286
2,682 [ 2,870 ] 2,728
2,130 2,146
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21
Coverage ratio
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Peer Average HNCB

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948.03% 977.65% 794.77% 795.48% 843.14%
628.59%
569.83% 549.78% 579.84% [623.24% ] 598.83% 647.45%
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21
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Note：2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

22

HNCB: NPL composition

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Large Corp NPL ratio

SME NPL ratio

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(NT$mn) NPL NPL ratio (NT$mn) NPL NPL ratio
2,000 1.0% 2,500 2.0%
0.8% 2,000
1,500 1,697 1,525 1,453 1,453 1,471 1.5%
0.6% 1,500
1,127
1,000 1.0%
- - - - - - 0.4% 1,000
500 0.22% [[0.31% 0.27% 0.25% 0.25% ]] 0.24% 0.5%
0.2% 500
0.00% [0.00% 0.00% 0.00% 0.00% 0.00% ]
- 0.0% - 0.0%
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21
Mortgage NPL ratio Credit cost ratio
(NT$mn) NPL NPL ratio
1,000 2.0%
800
1.5%
600 558 0.37% 0.38% 0.33%
461 453 [ 492 ]
1.0% 0.26%
369 [ 399 ]
400 0.23% 0.15%
0.5%
200 0.09% 0.10% 0.08% 0.08% 0.06% 0.06%
- 0.0%
3M20 6M20 9M20 FY20 3M21 6M21
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21
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(NT$mn) NPL NPL ratio
2,500 2.0%
2,000
1.5%
1,697 1,525 1,453 1,453 1,471
1,500
1,127
1.0%
1,000
0.22% [[0.31% 0.27% 0.25% 0.25% ]] 0.24% 0.5%
500
- 0.0%
1Q20 2Q20 3Q20 4Q20 1Q21 2Q21
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Note：2Q21 figures were preliminary based on IFRS. The others were audited based on IFRS.

23

2021 2[nd] Half Outlook

24

2021 2[nd] Half Outlook

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HNCB

  • Cooperate with government policies and grasp political business opportunities to boost syndicated, unsafe and old buildings reconstruction lending business continuously. Increase treasury income and expand overseas business to enhance overseas profits. Speed up NPL recovery to infuse overall income.

  • Diversify individual financial products; focus on target customers development; promote individual business digitalization; integrate investment and Fintech on/off-line services. USD protective and investment are the main streams of insurance policies.

  • Construct the most adequate deposit structure, continue to optimize physical channels and set up bilingual branches to demonstrate enthusiasm and professional image.

  • Actively develop digital financial services, enlarge the online customer group, create exclusive services for different customers to enhance operational efficiency and competitiveness, establish digital financial franchise, expand customer sources and business opportunities.

HNSC

  • Expand business scale other than brokerage and develop the 2nd major profit pillar to strengthen competitiveness and enhance overall profitability. Integrate internal and external resources for more underwriting cases; strengthen in-stock position management and strictly adhere to stop-loss and take-profit mechanism for decent trading gain.

SCIC

  • Continue to strengthen banking channel services, provide customers with diversified product choices and satisfied experience by AI 24 hours non-stop services to meet their demand quickly. Apply new technology to optimize system operation process and functions, upgrade eCover website and improve service efficiency.

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25

ESG Performance and Goal

26

ESG Performance and Goal

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ESG Rating Performance
-
Sustainalytics Ranked B in 2020 CDP survey.
-
Acquires environment-related
ESG risk rating
certifications continuously-
(0-100, 0=lowest risk) ISO14001、ISO14064-1、ISO50001
22.71
-Continued to pass the
certifications which related to
customer relationship-
MSCI ESG rating ISO27001、ISO20000、BS10012
(AAA-CCC, AAA=the best)
A
-Selected as a constituent
stock in multiple ESG
Indexes, including-
-FTSE4Good Emerging Index
FTSE Russell ESG -FTSE4Good TIP Taiwan ESG Index
-TWSE Corporate Governance 100
Rating (0-5, 5=the best) index
3.5 -Taiwan HC 100 Index, and etc.
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Goal
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Core Value
Strengthen corporate
governance and implement
corporate sustainability with
ESG criteria.
Goal
Align corporate sustainability
with business practices.
Strategies
-Follow international
initiatives.
-Plan green financial products.
-Take actions, and respond to
the public expectation.
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27

Q & A

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28

Appendix

29

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HNFHC Condensed Consolidated Income Statements

Expressed In Millions of New Taiwan Dollars, Except Earnings Per Share

Year(IFRSs) Year(IFRSs) Quarter(IFRSs) Quarter(IFRSs) Comparison(IFRSs) Comparison(IFRSs) Comparison(IFRSs)
2019 2020 Change 2020Q1 2020Q2 2020Q3 2020Q4 2021Q1 2021Q2 Change 6M2020 6M2021 Change
(%) (%) (%)
Interest Income 45,056 36,863 -18.18% 10,629 8,999 8,495 8,740 8,828 9,066 2.70% 19,628 17,894 -8.83%
Interest Expense (19,643) (12,220) -37.79% (4,201) (3,197) (2,531) (2,291) (2,206) (2,121) -3.85% (7,398) (4,327) -41.51%
Interest Income, Net 25,413 24,643 -3.03% 6,428 5,802 5,964 6,449 6,622 6,945 4.88% 12,230 13,567 10.93%
Service fee and commission income, net 8,716 9,339 7.15% 2,039 2,135 2,425 2,740 2,908 3,208 10.32% 4,174 6,116 46.53%
Income from insurance premiums, net 3,134 3,516 12.19% 1,052 906 852 706 1,159 905 -21.92% 1,958 2,064 5.41%
Gains(losses) on financial assets and
liabilities at fair value through profit or loss		 2,624 (11,757) - (3,829) (2,360) (1,788) (3,780) 2,928 (3,639) - (6,189) (711) 88.51%
Gains on investment properties 699 507 -27.47% 116 103 122 166 154 180 16.88% 219 334 52.51%
Realized gains(losses) from sale of fair value
through other comprehensive income 2,283 3,390 48.49% 656 485 1,463 786 562 994 76.87% 1,141 1,556 36.37%
financial assets
Foreign exchange gains, net 3,827 9,950 159.99% (1,016) 4,288 2,309 4,369 (1,904) 4,130 - 3,272 2,226 -31.97%
Impairment loss (26) 35 - 30 7 2 (4) 32 5 -84.38% 37 37 -
Share of the profit or loss of associates and
joint ventures		 6 9 50.00% (1) 6 2 2 1 - - 5 1 -80.00%
Realized gains(losses) of financial assets for
overlay approach		 (183) (49) -73.22% 345 (307) 47 (134) (97) (28) 71.13% 38 (125) -
Other non-interest income 211 382 81.04% 54 41 259 28 47 180 282.98% 95 227 138.95%
Net Income Excluding Interest Income 21,291 15,322 -28.04% (554) 5,304 5,693 4,879 5,790 5,935 2.50% 4,750 11,725 146.84%
Net Revenues 46,704 39,965 -14.43% 5,874 11,106 11,657 11,328 12,412 12,880 3.77% 16,980 25,292 48.95%
Bad-debt expenses (1,409) (2,062) 46.34% 99 (1,312) (998) 148 (517) 269 - (1,212) (248) -79.54%
Provisions for the insurance reserve (396) (912) 130.30% (337) (191) (216) (167) (411) (134) -67.40% (529) (545) 3.02%
Operating Expenses (26,203) (25,801) -1.53% (6,269) (6,152) (6,392) (6,988) (6,788) (7,292) 7.42% (12,421) (14,080) 13.36%
Employee Benefits (16,738) (16,494) -1.46% (3,981) (3,916) (4,017) (4,580) (4,498) (4,900) 8.94% (7,897) (9,398) 19.01%
Depreciation and amortization (2,144) (2,185) 1.91% (542) (548) (547) (548) (549) (540) -1.64% (1,090) (1,089) -0.09%
Other general and administrative expenses (7,321) (7,122) -2.72% (1,746) (1,688) (1,828) (1,860) (1,741) (1,852) 6.38% (3,434) (3,593) 4.63%
Consolidated income before income tax
from continuing operations		 18,696 11,190 -40.15% (633) 3,451 4,051 4,321 4,696 5,723 21.87% 2,818 10,419 269.73%
Income Tax Expense (2,741) (2,537) -7.44% (815) (530) (595) (597) (660) (470) -28.79% (1,345) (1,130) -15.99%
Consolidated net income 15,955 8,653 -45.77% (1,448) 2,921 3,456 3,724 4,036 5,253 30.15% 1,473 9,289 530.62%
Basic earnings per share 1.24 0.67 -45.97% (0.11) 0.22 0.27 0.29 0.31 0.41 32.26% 0.11 0.72 554.55%
Other comprehensive income 4,879 (1,129) - (7,932) 6,276 (113) 640 (32) 1,035 - (1,656) 1,003 -
Othe comprehensive income for the period,
net of income tax		 20,834 7,524 -63.89% (9,380) 9,197 3,343 4,364 4,004 6,288 57.04% (183) 10,292 -
Attributable to：
Owner of the Company 15,955 8,653 -45.77% (1,448) 2,921 3,456 3,724 4,036 5,252 30.13% 1,473 9,288 530.55%
Non-controlling interests - - - - - - - - - - - - -
(Audited) (Audited) (Reviewed) (Audited) (Reviewed) (Audited) (Reviewed) (Preliminary) (Audited) (Preliminary)

30

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HNFHC Condensed Balance Sheets

Expressed In Millions of New Taiwan Dollars, unless otherwise indicated

Balance Sheets
Investments accounted for
using equity method
Total assets
Total liabilities
Total Stockholders' equity
Consolidated Balance Sheets
Total assets
Total liabilities
Total Stockholders' equity
Parent stockholders' equity
Minority Interest
Capital Stock		 Year(IFRSs) Quarter(IFRSs)
2019
2020
Change
(%)
219,582
219,575
-
221,564
222,974
0.64%
32,866
33,572
2.15%
188,698 189,402
0.37%
2,731,828
3,101,082
13.52%
2,543,128
2,911,678
14.49%
188,698 189,402
0.37%
2 2
-
121,727
128,548
5.60%
(Audited)
(Audited)

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31

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HNFHC Condensed Income Statements Expressed In Millions of New Taiwan Dollars, unless otherwise indicated

Operating Income
Income from investments
accounted for using equity
method
Other revenue
Operating Expenses
Interest and Other Expenses
And Losses
Income before income tax
Income after income tax
Basic earnings per share
(before tax)
Basic earnings per share
(after tax)		 2019
2020
Change
(%)
16,802
9,319
-44.54%
58
62
6.90%
(589)
(461)
-21.73%
(316)
(267)
-15.51%
15,955
8,653
-45.77%
15,955
8,653
-45.77%
1.24
0.67
-45.97%
1.24
0.67
-45.97%
(Audited)
(Audited)
Year(IFRSs)		 Quarter(IFRSs)

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32

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HNFHC Key Financial Ratios(Standalone)

UNIT：%
ROA(after tax)
ROE(after tax)
Double Leverage Ratio
(Note1)
Capital Adequacy Ratio
(Consolidated basis) (Note2)		 2019
2020
Change
3M2020
6M2020
9M2020
FY2020
3M2021
6M2021
Change
6M2020
6M2021
Change
7.43
3.89
-3.54
-2.67
1.32
2.99
3.89
7.16
8.16
1.00
1.32
8.16
6.84
8.79
4.58
-4.21
-3.15
1.60
3.52
4.58
8.44
9.55
1.11
1.60
9.55
7.95
116.77
116.37
-0.40
117.73
116.84
116.65
116.37
116.13
114.02
-2.11
116.84
114.02
-2.82
115.72
116.44
0.72
115.72
114.90
114.90
116.44
116.44
124.97
8.53
114.90
124.97
10.07
(Audited)
(Audited)
(Reviewed)
(Audited)
(Reviewed)
(Audited)
(Reviewed) (Preliminary)
(Audited) (Preliminary)
Year(IFRSs)
Quarter(IFRSs)
Comparison(IFRSs)		 2019
2020
Change
3M2020
6M2020
9M2020
FY2020
3M2021
6M2021
Change
6M2020
6M2021
Change
7.43
3.89
-3.54
-2.67
1.32
2.99
3.89
7.16
8.16
1.00
1.32
8.16
6.84
8.79
4.58
-4.21
-3.15
1.60
3.52
4.58
8.44
9.55
1.11
1.60
9.55
7.95
116.77
116.37
-0.40
117.73
116.84
116.65
116.37
116.13
114.02
-2.11
116.84
114.02
-2.82
115.72
116.44
0.72
115.72
114.90
114.90
116.44
116.44
124.97
8.53
114.90
124.97
10.07
(Audited)
(Audited)
(Reviewed)
(Audited)
(Reviewed)
(Audited)
(Reviewed) (Preliminary)
(Audited) (Preliminary)
Year(IFRSs)
Quarter(IFRSs)
Comparison(IFRSs)
2019
7.43
8.79
116.77
115.72
(Audited)		 6M2021
Change
8.16
6.84
9.55
7.95
114.02
-2.82
124.97
10.07
(Preliminary)

Note1 ： Double Leverage Ratio=Long-term Investment/Stockholders' Equity Note2 ： Revise semiannually.

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33

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HNCB Condensed Income Statements

Expressed In Millions of New Taiwan Dollars, Except Earnings Per Share

Year(IFRSs) Quarter(IFRSs) Quarter(IFRSs) Comparison(IFRSs) Comparison(IFRSs) Comparison(IFRSs)
2019 2020 Change 2020Q1 2020Q2 2020Q3 2020Q4 2021Q1 2021Q2 Change 6M2020 6M2021 Change
(%) (%) (%)
Interest Income 44,336 36,180 -18.40% 10,441 8,854 8,334 8,551 8,625 9,108 5.60% 19,295 17,733 -8.10%
Interest Expense (19,205) (11,854) -38.28% (4,088) (3,101) (2,450) (2,215) (2,129) (2,330) 9.44% (7,189) (4,459) -37.97%
Interest Income, Net 25,131 24,326 -3.20% 6,353 5,753 5,884 6,336 6,496 6,778 4.34% 12,106 13,274 9.65%
Service fee and commission income, net 7,581 7,213 -4.85% 1,668 1,670 1,776 2,099 2,146 1,944 -9.41% 3,338 4,090 22.53%
Gains(losses) on financial assets and liabilities at fair
value through profit or loss		 1,368 (7,735) - 1,488 (3,104) (1,962) (4,157) 2,507 (3,952) - (1,616) (1,445) 10.58%
Realized gains(losses) from sale of fair value through
other comprehensive income financial assets		 1,933 3,161 63.53% 559 445 1,366 791 502 936 86.45% 1,004 1,438 43.23%
Foreign exchange gains, net 3,967 9,995 151.95% (1,016) 4,337 2,300 4,374 (1,856) 4,220 - 3,321 2,364 -28.82%
Share of the profit or loss of associates and joint 39 34 -12.82% 5 7 5 17 13 9 -30.77% 12 22 83.33%
ventures
Impairment loss
Other non-interest income		 (23)
711		 35
657		 -
-7.59%		 30
113		 女
7
100		 2
319		 (4)
125		 32
111		 3
236		 -90.63%
112.61%		 37
213		 35
347		 -5.41%
62.91%
Net Income Excluding Interest Income 15,576 13,360 -14.23% 2,847 3,462 3,806 3,245 3,455 3,396 -1.71% 6,309 6,851 8.59%
Net Revenues 40,707 37,686 -7.42% 9,200 9,215 9,690 9,581 9,951 10,174 2.24% 18,415 20,125 9.29%
Bad-debt expenses (1,384) (2,021) 46.03% 106 (1,291) (988) 152 (501) 288 - (1,185) (213) -82.03%
Operating Expenses (21,629) (21,190) -2.03% (5,218) (5,065) (5,183) (5,724) (5,521) (5,819) 5.40% (10,283) (11,340) 10.28%
Employee Benefits (13,805) (13,618) -1.35% (3,331) (3,227) (3,256) (3,804) (3,656) (3,900) 6.67% (6,558) (7,556) 15.22%
Depreciation and amortization (1,801) (1,826) 1.39% (455) (458) (456) (457) (458) (431) -5.90% (913) (889) -2.63%
Other general and administrative expenses (6,023) (5,746) -4.60% (1,432) (1,380) (1,471) (1,463) (1,407) (1,488) 5.76% (2,812) (2,895) 2.95%
Income before income tax from continuing operations 17,694 14,475 -18.19% 4,088 2,859 3,519 4,009 3,929 4,643 18.17% 6,947 8,572 23.39%
Income Tax Expense (2,525) (2,014) -20.24% (739) (419) (384) (472) (510) (245) -51.96% (1,158) (755) -34.80%
Net income 15,169 12,461 -17.85% 3,349 2,440 3,135 3,537 3,419 4,398 28.63% 5,789 7,817 35.03%
Basic earnings per share 1.77 1.45 -18.08% 0.39 0.28 0.37 0.41 0.40 0.51 27.50% 0.67 0.91 35.82%
Other comprehensive income 4,532 (1,005) - (7,182) 5,949 (364) 592 (273) 926 - (1,233) 653 -
Total comprehensive income for the period 19,701 11,456 -41.85% (3,833) 8,389 2,771 4,129 3,146 5,324 69.23% 4,556 8,470 85.91%
(Audited) (Audited) (Reviewed) (Audited) (Reviewed) (Audited) (Reviewed) (Preliminary) (Audited) (Preliminary)

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34

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HNCB Condensed Balance Sheets

Expressed In Millions of New Taiwan Dollars, unless otherwise indicated

Assets
Cash and cash equivalents, due from the
Central Bank and other banks
Financial assets at fair value through
profit or loss, net
Financial assets from sale of fair value
through other comprehensive income
Debt instrument investment measured by
amortized cost
Investments accounted for using equity
method
Receivables, net
Loans, net
Plant, property, and equipment
Other assets
Total Assets
Liabilities
Deposits and remittances
Other liabilities
Total Liabilities
Stockholders' Equity
Total Liabilities and Stockholders' Equity		 Year(IFRSs) Quarter(IFRSs) Comparison(IFRSs)
2019
2020
Change
(%)
179,788
259,132
44.13%
71,144
43,480
-38.88%
200,624
226,989
13.14%
447,030
612,330
36.98%
1,465
1,506
2.80%
24,967
21,321
-14.60%
1,670,213
1,784,392
6.84%
28,365
29,014
2.29%
35,370
46,896
32.59%
2,658,966 3,025,060
13.77%
2,226,607
2,529,102
13.59%
234,705
293,967
25.25%
2,461,312
2,823,069
14.70%
197,654
201,991
2.19%
2,658,966
3,025,060
13.77%
(Audited)
(Audited)		 2020Q1
2020Q2
2020Q3
2020Q4
2021Q1
2021Q2
Change
(%)
198,428
222,823
226,642
259,132
208,846
249,131
19.29%
76,069
69,430
43,855
43,480
104,431
113,939
9.10%
186,057
200,836
205,180
226,989
291,722
271,028
-7.09%
470,877
469,420
535,423
612,330
665,757
623,905
-6.29%
1,461
1,449
1,473
1,506
1,521
1,502
-1.25%
22,587
23,676
23,745
21,321
22,656
21,787
-3.84%
1,682,890
1,741,298
1,762,480
1,784,392
1,824,595
1,875,733
2.80%
28,274
28,127
28,225
29,014
28,966
30,683
5.93%
33,684
34,451
46,138
46,896
47,194
16,905
-64.18%
2,700,327
2,791,510
2,873,161
3,025,060
3,195,688
3,204,613
0.28%
2,268,057
2,357,467
2,389,140
2,529,102
2,625,358
2,654,039
1.09%
238,450
238,951
286,159
293,967
365,193
343,349
-5.98%
2,506,507
2,596,418
2,675,299
2,823,069
2,990,551
2,997,388
0.23%
193,820
195,092
197,862
201,991
205,137
207,225
1.02%
2,700,327
2,791,510
2,873,161
3,025,060
3,195,688
3,204,613
0.28%
(Reviewed)
(Audited)
(Reviewed)
(Audited)
(Reviewed)
(Premilinary)		 6M2020
6M2021
Change
(%)
222,823
249,131
11.81%
69,430
113,939
64.11%
200,836
271,028
34.95%
469,420
623,905
32.91%
1,449
1,502
3.66%
23,676
21,787
-7.98%
1,741,298
1,875,733
7.72%
28,127
30,683
9.09%
34,451
16,905
-50.93%
2,791,510
3,204,613
14.80%
2,357,467
2,654,039
12.58%
238,951
343,349
43.69%
2,596,418
2,997,388
15.44%
195,092
207,225
6.22%
2,791,510
3,204,613
14.80%
(Audited)
(Premilinary)

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35

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HNSC Consolidated Income Statements

Expressed In Millions of New Taiwan Dollars, unless otherwise indicated

Operating Revenue
Commissions and Fees - Brokerage
Security lendinig income
Commissions and Fees - Underwriting
Commissions and Fees - WM business
Gains (Losses) on sales of securities
Stock affairs agent fees
Interest Income (Net)
Dividend Income
Gains (Loss) on valuation of securities
Gains (Loss) on warrants issued
Gains (Loss) on Derivative Instruments
Others
Operating Revenue
Operating Expenses
Others Non-operating Gains or Loss
Profit Before Tax
Tax Expense
Net Income (Loss)
Other Comprehensive Income
Total Comprehensive Income for the year
EPS
Total Assets
Total Liabilities
Total Stockholder's Equity		 Year(IFRSs) Quarter(IFRSs)
2019
2020
Change
(%)
2,128
3,273
53.81%
116
103
-11.21%
32
72
125.00%
8
5
-37.50%
508
197
-61.22%
31
34
9.68%
573
578
0.87%
216
35
-83.80%
136
(97)
-
26
76
192.31%
(177)
(4,747)
-
5
54
980.00%
3,602
(417)
-
(2,842)
(3,099)
9.04%
254
234
-7.87%
1,014
(3,282)
-
(83)
(350)
321.69%
931
(3,632)
-
115
(293)
-
1,046
(3,925)
-
1.43
(5.57)
-
47,880
50,986
6.49%
34,784
42,356
21.77%
13,096
8,630
-34.10%
(Audited)
(Audited)

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36

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SCIC Condensed Income Statements

Expressed In Millions of New Taiwan Dollars, unless otherwise indicated

Operating Revenue
Operating Cost
Gross Profit Margin
Operating Expense
Operating Net Income (Loss)
Nonoperating Gains (Loss)
Income Tax Benefit (Expense)
Net Income (Loss)
Other Comprehensive Income
Total Comprehensive Income For The Year
EPS
Total Assets
Total Liabilities
Total Stockholder's Equity
Income (Loss) Before Income Tax from
continuing operations		 Quater(IFRSs)
Year(IFRSs)		 Quater(IFRSs)
Year(IFRSs)		 2021Q2
Change
6M2020
6M2021
Change
(%)
(%)
2,301
3.70%
3,877
4,520
16.58%
(1,523)
-1.10%
(2,797)
(3,063)
9.51%
778
14.58%
1,080
1,457
34.91%
(444)
-0.22%
(795)
(889)
11.82%
334
42.74%
285
568
99.30%
1
-
10
1
-90.00%
335
43.16%
295
569
92.88%
(53)
70.97%
(66)
(84)
27.27%
282
38.92%
229
485
111.79%
64
-
(43)
41
-
346
92.22%
186
526
182.80%
1.40
37.25%
1.14
2.42
112.28%
24,068
3.88%
21,399
24,068
12.47%
17,619
4.19%
15,707
17,619
12.17%
6,449
3.04%
5,692
6,449
13.30%
Comparison(IFRSs)		 2021Q2
Change
6M2020
6M2021
Change
(%)
(%)
2,301
3.70%
3,877
4,520
16.58%
(1,523)
-1.10%
(2,797)
(3,063)
9.51%
778
14.58%
1,080
1,457
34.91%
(444)
-0.22%
(795)
(889)
11.82%
334
42.74%
285
568
99.30%
1
-
10
1
-90.00%
335
43.16%
295
569
92.88%
(53)
70.97%
(66)
(84)
27.27%
282
38.92%
229
485
111.79%
64
-
(43)
41
-
346
92.22%
186
526
182.80%
1.40
37.25%
1.14
2.42
112.28%
24,068
3.88%
21,399
24,068
12.47%
17,619
4.19%
15,707
17,619
12.17%
6,449
3.04%
5,692
6,449
13.30%
Comparison(IFRSs)		 2021Q2
Change
6M2020
6M2021
Change
(%)
(%)
2,301
3.70%
3,877
4,520
16.58%
(1,523)
-1.10%
(2,797)
(3,063)
9.51%
778
14.58%
1,080
1,457
34.91%
(444)
-0.22%
(795)
(889)
11.82%
334
42.74%
285
568
99.30%
1
-
10
1
-90.00%
335
43.16%
295
569
92.88%
(53)
70.97%
(66)
(84)
27.27%
282
38.92%
229
485
111.79%
64
-
(43)
41
-
346
92.22%
186
526
182.80%
1.40
37.25%
1.14
2.42
112.28%
24,068
3.88%
21,399
24,068
12.47%
17,619
4.19%
15,707
17,619
12.17%
6,449
3.04%
5,692
6,449
13.30%
Comparison(IFRSs)
2019
7,549
(5,210)
2,339
(1,586)
753
2
755
(104)
651
366
1,017
3.25
19,937
13,993
5,944		 2020
Change
2020Q1
2020Q2
2020Q3
2020Q4
2021Q1
(%)
8,108
7.40%
1,872
2,005
2,175
2,056
2,219
(5,950)
14.20%
(1,396)
(1,401)
(1,515)
(1,638)
(1,540)
2,158
-7.74%
476
604
660
418
679
(1,612)
1.64%
(398)
(397)
(407)
(410)
(445)
546
-27.49%
78
207
253
8
234
11
450.00%
10
-
1
-
-
557
-26.23%
88
207
254
8
234
(75)
-27.88%
(31)
(35)
(18)
9
(31)
482
-25.96%
57
172
236
17
203
92
-74.86%
(477)
434
(18)
153
(23)
574
-43.56%
(420)
606
218
170
180
2.41
-25.85%
0.28
0.86
1.18
0.09
1.02
22,432
12.51%
20,509
21,399
21,604
22,432
23,170
16,353
16.87%
14,985
15,707
15,695
16,353
16,911		 6M2021
Change
(%)
4,520
16.58%
(3,063)
9.51%
1,457
34.91%
(889)
11.82%
568
99.30%
1
-90.00%
569
92.88%
(84)
27.27%
485
111.79%
41
-
526
182.80%
2.42
112.28%
24,068
12.47%
17,619
12.17%
6,449
13.30%
2020
8,108
(5,950)
2,158
(1,612)
546
11
557
(75)
482
92
574
2.41
22,432
16,353		 2021Q2
2,301
(1,523)
778
(444)
334
1
335
(53)
282
64
346
1.40
24,068
17,619		 Change
6M2020
(%)
3.70%
3,877
-1.10%
(2,797)
14.58%
1,080
-0.22%
(795)
42.74%
285
-
10
43.16%
295
70.97%
(66)
38.92%
229
-
(43)
92.22%
186
37.25%
1.14
3.88%
21,399
4.19%
15,707		 6M2021
4,520
(3,063)
1,457
(889)
568
1
569
(84)
485
41
526
2.42
24,068
17,619
6,079 2.27%
5,524
5,692
5,909
6,079
6,259		 6,449 3.04%
5,692		 6,449

(Audited) (Audited)

(Reviewed) (Audited) (Reviewed) (Audited) (Reviewed) (Preliminary) (Audited) (Preliminary)

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37

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