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IBF — Investor Presentation 2019
Dec 25, 2019
52219_rns_2019-12-25_6a6e3716-bb6d-4027-b099-e443a20806b6.pdf
Investor Presentation
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~~國票金控營運說明會~~
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一、國票金控營運概況 二、國際票券營運概況 三、國票證券營運概況 四、國票創投營運概況 五、國旺租賃營運概況 六、樂天國際商業銀行籌備進度
國票金控營運概況
集團組織圖
資料日期： 2019 年 11 月 30 日
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國票金控秉持誠信與專業的理念，為客戶謀求最適切的金融解決方案
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國票金控營運概況
營運摘要—國票金控財務概況
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項目
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2016
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2017
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2018
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2019
1~11 月
( 自結 )
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2018
1~11 月
( 自結 )
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2019
1~11 月
變化率
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稅後淨利
2,110 2,371 2,022 2,435 1,771 37.49%
(佰萬元)
股東權益
30,935 32,308 32,436 35,558 31,985 11.17%
(佰萬元)
每股淨值
11.43 11.68 11.58 12.49 11.42 9.37%
(元)
EPS(元) 0.78 0.86 0.72 0.86 0.63 36.51%
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2019年1-11月稅後淨利24.35億元，較2018年同期成長 ， 37.5% EPS 0.86元，每股淨值12.46元。
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國票金控營運概況
營運摘要—主要財務比率
| 2019 | 2018 | 2019 | ||||
| 項目 | 2016 | 2017 | 2018 | 1~11月 | 1~11月 | 1~11月 |
| (自結) | (自結) | 變化率 | ||||
| 資產報酬率 ROA (%)1 |
0.85 | 0.97 | 0.79 | - | - | - |
| 淨值報酬率 ROE (%) |
6.33 | 7.17 | 5.94 | 7.81 | 5.97 | 30.82% |
| 資本適足率 CAR (%) |
169.12 | 172.36 | 160.86 | 128.04 | 158.31 | -19.12% |
| 雙重槓桿比 DLR (%) |
110.10 | 106.87 | 107.35 | 100.03 | 107.39 | -6.85% |
Note：1. 係以合併財務報表為基礎計算。
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2019年1-11月ROE較2018年同期成長，資本適足率及 雙重槓桿比皆佳。
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國票金控營運概況
子公司-國際票券財務概況
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項目
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2016
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2017
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2018
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2019 年
1~11 月
( 自結 )
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2018 年
1~11 月
( 自結 )
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2019 年
1~11 月
變化率
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| 淨收益 (佰萬元) |
3,203 | 3,665 | 2,923 | 3,374 | 2,578 | 30.88% |
|---|---|---|---|---|---|---|
| 稅後淨利 (佰萬元) |
2,111 | 2,251 | 1,895 | 2,086 | 1,652 | 26.27% |
| EPS(元) | 1.17 | 1.24 | 1.05 | 1.17 | 0.91 | 28.57% |
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國際票券持續拓展擔保性及收益性兼具之授信新案， 擴大外幣債部位，2019年1~11月稅後淨利20.86億 元，較2018年同期成長26.27%
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國票金控營運概況
子公司-國票證券財務概況
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2019 2018 2019
項目 2016 2017 2018 1~11 月 1~11 月 1~11 月
( 自結 ) ( 自結 ) 變化率
稅後淨利
211 413 325 855 273 213.19%
(佰萬元)
EPS(元) 0.23 0.47 0.43 1.10 0.36 205.56%
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國票證券自營業務操作穩健，新金融商品及承銷 業務成長，2019年1-11月稅後淨利8.55億元，較 。 2018年同期成長213.19%
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國票金控營運概況
子公司-國票創投財務概況
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2019 2018 2019
項目 2016 2017 2018 1~11 月 1~11 月 1~11 月
( 自結 ) ( 自結 ) 變化率
稅後淨利
64 71 98 61 101 -39.60%
(佰萬元)
EPS(元) 0.41 0.46 0.64 0.40 0.65 -38.46%
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國票創投的獲利來自投資部位的處分利益、現金股 利，以及轉投資國旺租賃獲利；惟因中美貿易戰， 股價波動，2019年1~11月稅後淨利較2018年同期減 。 少39.60%
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國票金控營運概況
子公司主要財務比率
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國際票券
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2016
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2017
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2018
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2019 /1~11 月
( 自結、年化 )
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| ROA(%) | 0.96 | 1.01 | 0.83 | 0.98 | |
|---|---|---|---|---|---|
| ROE(%) | 7.87 | 8.16 | 6.69 | 8.05 | |
| CAR(%) | 14.90 | 15.23 | 14.11 | 13.25 | |
| 逾放比率(%) | 0.01 | 0.39 | 0.00 | 0.17 | |
| 國票證券 | 2016 | 2017 | 2018 | 2019 /1~11月 (自結、年化) |
|
| ROA(%) | 0.66 | 1.22 | 0.87 | 2.20 | |
| ROE(%) | 2.17 | 4.48 | 3.73 | 9.96 | |
| CAR(%) | 434 | 333 | 329 | 285 | |
| 國票創投 | 2016 | 2017 | 2018 | 2019/1~11月 (自結、年化) |
|
| ROA(%) | 3.19 | 3.23 | 4.33 | 2.76 | |
| ROE(%) | 4.63 | 5.13 | 7.05 | 4.71 | |
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2019年1-11月票券、證券子公司之年化ROA及ROE較2018 年成長。
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國票金控營運概況
各子公司獲利貢獻
| 單位：新台幣佰萬元 | 單位：新台幣佰萬元 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 2016 | 2017 | 2018 | 2019/1-11月 (自結) |
|||||||
| 公司別 | ||||||||||
| 金額 | 貢獻度 | 金額 | 貢獻度 | 金額 | 貢獻度 | 金額 | 貢獻度 | |||
| 國際票券 | 2,111 | 90.84% | 2,251 | 88.00% | 1,895 | 86.4% | 2,086 | 78.9% | ||
| 國票證券 | 123 | 5.29% | 231 | 9.03% | 198 | 9.1% | 503 | 19.0% | ||
| 國票創投 | 90 | 3.87% | 76 | 2.97% | 99 | 4.5% | 57 | 2.1% | ||
| 合計 | 2,324 | 100.00% | 2,558 | 100.00% | 2,193 | 100.0% | 2,646 | 100.0% | ||
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金控主要獲利來自票券子公司，近三年證券子公司獲利貢獻 度有所提升。
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國票金控營運概況
2019 年 1~11 月獲利 Summary
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2019年在央行穩健之貨幣政策下，市場資金寬鬆，授信業務競爭加劇，國際 票券積極動態調整授信戶結構，維持利差，並持續加強開發他免保客戶，增 加票券收益。
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聯準會7月正式啟動降息，至今已降息三次，加上中美貿易戰再起，避險資 金轉進債市，殖利率走低，國際票券持續建置外幣債部位，外幣債買賣斷利 益及養券收益成長。
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國票證券面對國際經濟情勢與臺股盤勢震盪，經紀、自營、承銷三大業務引 擎俱開，經紀據點固守市佔，自營業務穏健操作，承銷團隊深耕市場，逐步 收割，截至2019年11月底獲利較去年同期成長。
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國票創投的獲利來自處分投資部位利益及現金股利，且轉投資國旺租賃獲利 穩定；惟因受中美貿易戰影響，股價波動，致2019年1~11月稅後淨利較上年 同期減少。
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國票金控營運概況
近五年配股情形
| 配股年度 | 2015 | 2016 | 2017 | 2018 | 2019 |
|---|---|---|---|---|---|
| 現金股利(元) | 0.29 | 0.26 | 0.55 | 0.65 | 0.45 |
| 股票股利(元) | 0.30 | 0.26 | 0.15 | 0.12 | 0.10 |
| 股利合計(元) | 0.59 | 0.52 | 0.70 | 0.77 | 0.55 |
| 前一年EPS(元) | 0.66 | 0.58 | 0.78 | 0.86 | 0.72 |
| 股利發放率 | 89.39% | 89.66% | 89.74% | 89.53% | 76.39% |
| 除權息前一日股票收盤價(元) | 8.23 | 8.16 | 9.64 | 11.45 | 10.9 |
| 現金股利殖利率 | 3.52% | 3.19% | 5.71% | 5.68% | 4.13% |
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2019年配發現金股利0.45元，現金股利殖利率為4.13%。目前國票 金控資本結構仍十分健全，未來股利政策仍維持以多配發現金股 利為優先考量。
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一、國票金控營運概況 二、國際票券營運概況 三、國票證券營運概況 四、國票創投營運概況 五、國旺租賃營運概況 六、樂天國際商業銀行籌備進度
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國際票券營運概況
各項業務收益結構
單位：新台幣百萬元
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項目
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2016 年
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2017 年
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2018 年
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2019 年 1~11 月
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| 票券業務 | 1,939 | 60.54% | 2,395 | 65.35% | 1,937 | 66.27% | 1,901 | 56.34% | |
|---|---|---|---|---|---|---|---|---|---|
| 債券業務 | 1,003 | 31.31% | 1,023 | 27.92% | 953 | 32.60% | 1,329 | 39.39% | |
| 股權業務 | 81 | 2.53% | 215 | 5.87% | 41 | 1.40% | 165 | 4.89% | |
| 其他業務 | 180 | 5.62% | 32 | 0.86% | (8) | (0.27)% | (21) | (0.62)% | |
| 合計 | 3,203 | 100.00% | 3,665 | 100.00% | 2,923 | 100.00% | 3,374 | 100.00% | |
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國際票券主要獲利來自票券及債券業務，2014年取得外幣債業務許 可，積極建立外幣債部位，債券業務收益逐漸提升。
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國際票券營運概況
2019 年票券獲利分析
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在央行穩健之貨幣政策背景下，市場資金寬鬆，授信業務競 爭加劇，國際票券2019年1~11月自保利差仍然持穩，並積極 配合政府推展綠能政策，持續開拓綠能產業，藉以有效提高 利差，提升整體獲利能力。
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國際票券營運概況
資產品質- 逾放比
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註：*為全體本國銀行2019年10月份資料。
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。 2017年復興航空授信金額轉列逾期部位，逾放比上升至0.39% 2018年處分擔保物件，收回相關部份逾期債權及轉銷呆帳，無 逾放部位。2019年11月逾放比為0.17%，低於本國銀行平均逾 放比。
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國際票券營運概況
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票券業務量– FRCP 業務量
單位：新台幣億元
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註：FRCP係指一年以上固定/浮動利率循環票券。
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國際票券近三年FRCP簽約金額逐年成長，2019年11月底FRCP 總簽約金額為687億元，將持續推廣FRCP相關業務與商機。
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國際票券營運概況
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票券業務量-次級市場交易
單位：新台幣佰萬元
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商業本票次級交易市場以銀行業買票占比最高，其次為企業 法人、政府基金與投信代操，資金來源分散，確保調度安全。 國際票券在次級市場交易量維持市場領先地位。
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一、國票金控營運概況 二、國際票券營運概況 三、國票證券營運概況 四、國票創投營運概況 五、國旺租賃營運概況 六、樂天國際商業銀行籌備進度
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國票證券營運概況
業務概況
| 業務概況 | ||||||
|---|---|---|---|---|---|---|
| 單位：新台幣億元 | ||||||
| 項 目 |
2016 | 2017 | 2018 | 2019 1~11月 |
2018 1~11月 |
同期 比較 |
| 經紀業務成交量 | 8,744 | 14,136 | 16,621 | 13,789 | 15,494 | -11.00% |
| 經紀業務市佔率(%) | 1.83 | 2.10 | 2.06 | 2.07 | 2.06 | 0.49% |
| 融資平均餘額 | 74.65 | 85.35 | 102.90 | 88.43 | 104.61 | -15.47% |
| 融資業務市佔率(%) | 3.98 | 3.95 | 4.53 | 4.99 | 4.50 | 10.89% |
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2019年受中美貿易戰波及，台股日成交金額及市場融資平均餘額較去 年同期大幅減少，國票證券經紀業務成交量及融資平均餘額亦相對受 到影響，惟融資減幅低於市場，故融資市佔率持續成長。
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國票證券營運概況
各項業務收益結構
單位：新台幣仟元
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2019/1~11 月
( 自結 )
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| 經紀業務 | 1,228,840 | 69.44% | 1,727,547 | 69.76% | 1,915,322 | 84.40% | 1,584,186 | 58.44% | |
|---|---|---|---|---|---|---|---|---|---|
| 自營業務 | 538,858 | 30.45% | 723,210 | 29.21% | 296,505 | 13.07% | 981,707 | 36.21% | |
| 承銷業務 | (16,861) | -0.95% | 11,983 | 0.48% | 38,326 | 1.69% | 128,587 | 4.74% | |
| 其他業務 | 18,774 | 1.06% | 13,642 | 0.55% | 19,124 | 0.84% | 16,607 | 0.61% | |
| 合計 | 1,769,611 | 100% | 2,476,382 | 100% | 2,269,277 | 100% | **2,711,087 ** | 100.00% | |
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2019年台股受到中美貿易紛爭影響，呈現震盪格局，交易轉趨觀望， 經紀業務佔比雖然下降，但2018年引進新金融商品及承銷業務團隊， 成效顯現，自營業務及承銷業務收益數及佔比皆呈倍數成長。
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一、國票金控營運概況 二、國際票券營運概況 三、國票證券營運概況 四、國票創投營運概況 五、國旺租賃營運概況 六、樂天國際商業銀行籌備進度
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國票創投營運概況
收益結構
| 收益結構 | ||||||||
|---|---|---|---|---|---|---|---|---|
| 單位：新台幣仟元 | ||||||||
| 2019 | ||||||||
| 2016 | 2017 | 2018 | ||||||
| 1~11月 | ||||||||
| 出售有價證券 利益淨額 |
117,258 | 61.75% | 100,683 | 50.44% | 64,139 | 43.25% | 13,979 | 11.10% |
| 採權益法之 投資利益 |
55,336 | 29.14% | 82,781 | 41.48% | 54,683 | 36.87% | 87,940 | 69.82% |
| 股利收入 | 16,549 | 8.72% | 15,933 | 7.98% | 29,281 | 19.74% | 23,443 | 18.61% |
| 其他收入 | 747 | 0.39% | 202 | 0.10% | 205 | 0.14% | 586 | 0.47% |
| 合計 | 189,890 | 100.00% | 199,599 | 100.00% | 148,308 | 100.00% | **125,948 ** | 100.00% |
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國票創投收益來源，主要來自認列轉投資國旺租賃之收益、 長期投資部位之現金股利以及出售長期持有之投資部位。
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國票創投營運概況
投資產業別分析
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----- Start of picture text -----
電子商務
光電 餐飲連鎖
5%
7%
5%
電機機械
9%
文創
半導體 13%
15%
傳產
6%
生技 其他
14% 20%
電子零件組
6%
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2019年1~11月長期投資總金額為新台幣11.43億元，持有部 位以半導體、生技、文創產業為主，電機機械及餐飲連鎖 產業為輔。
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一、國票金控營運概況 二、國際票券營運概況 三、國票證券營運概況 四、國票創投營運概況 五、國旺租賃營運概況 六、樂天國際商業銀行籌備進度
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國旺租賃營運概況
獲利結構
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人民幣千元
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國旺租賃營業收入逐年成長，近年度獲利能力均在千萬元人民 幣以上，授信餘額成長。
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國旺租賃營運概況
授信行業別
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授信行業結構以房地產開發業、金屬加工業、油電燃氣業、 。 服務業、及紡織業為主，合計佔授信總額之61%
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國旺租賃營運概況
逾放比變化情形
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----- Start of picture text -----
人民幣千元
800,000 18.00%
700,000 16.00%
14.00%
600,000
12.00%
500,000 授信餘額
10.00% 逾期金額
400,000
8.00% 逾放比
300,000
6.00%
200,000
4.00%
100,000 2.00%
- 0.00%
2016.03 2016.06 2016.09 2016.12 2017.03 2017.06 2017.09 2017.12 2018.03 2018.06 2018.09 2018.12 2019.03 2019.06 2019.09 2019.11
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逾放比自2017年底至2019年11月，皆控制在2.5%以內。
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國旺租賃營運概況
| 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 | 新台幣仟元 |
|---|---|---|---|---|---|---|---|---|---|---|
| 項目 | 大陸被投資 公司名稱 |
實收 資本額 |
累計 投資金額 |
金控公司 直間接 持股比例 |
2016認列 投資損益 |
2017認列 投資損益 |
2018認列 投資損益 |
2019 Q1~Q3認列 投資損益 |
2019 Q3 期末投資 帳面價值 |
歷年累計投 資損益(註) |
| 國票金 |
國旺國際融 資租賃有限 公司 |
904,543 | 904,543 | 100% | 55,356 | 87,844 | 56,518 | 71,810 | 1,038,131 | 230,462 |
註：歷年累計投資損益，包括大陸被投資公司營運之損益，及金控合併大陸被投資公司財務報表換算為台幣之兌換損益。
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國旺租賃於2016年度~2018年度及2019年前三季所認列之投資損益分別為新台幣 55,356仟元、 87,844仟元、56,518仟元及71,810仟元，歷年累計獲利230,462仟元，仍居國內金融機構投資大 陸融資租賃公司的前二名。
新台幣仟元
| 項目 | 大陸被投資 公司名稱 |
實收 資本額 |
累計 投資金額 |
金控公司 直間接 持股比例 |
2016認列 投資損益 |
2017認列 投資損益 |
2018認列 投資損益 |
2019 1~11月 認列投資 損益 |
2019 1~11月 期末投資 帳面價值 |
歷年累計投資 損益(註) |
|---|---|---|---|---|---|---|---|---|---|---|
| 國票金 | 國旺國際融 資租賃有限 公司 |
904,543 | 904,543 | 100% | 55,356 | 87,844 | 56,518 | 84,665 | 1,050,824 | 243,155 |
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國旺租賃於1-11月所認列之投資損益為新台幣 84,665仟元，歷年累計獲利243,155仟元。
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一、國票金控營運概況 二、國際票券營運概況 三、國票證券營運概況 四、國票創投營運概況 五、國旺租賃營運概況 六、樂天國際商業銀行籌備進度
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樂天國際商業銀行籌備進度
樂天國際商業銀行籌備處100億元資金已到位
續辦理公司設立登記及籌設工作
完成籌設後向金融監督管理委員會申請核發營業執照 預期109年下半年正式營業
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