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TBB Interim / Quarterly Report 2023
52201_rns_2023-11-29_13121a99-5468-4c06-92f1-8a51571b18d2.pdf
Interim / Quarterly Report
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2023Q3 Financial Review
- This presentation is provided by Taiwan Business Bank Co., Ltd. ('TBB').The information contained within is not reviewed or reviewed by any accountant or any independent third party. Users should read this material in conjunction with all other public financial and operational information filed to the competent authorities by TBB. While we endeavor to provide accurate, complete and consistent information herein, TBB makes no guarantee or warranties as to the accuracy or correctness of all the material contained. After this presentation is released to the public, we undertake no obligation to update any relevant data to reflect any change hereafter.
- Users should also notice that this presentation may contain forward-looking statements. Statements that are not historical facts, including statements relating to the implementation of strategic initiatives, future business development and economic performance are forward-looking statements. By their nature, forwardlooking statements involve uncertainties, risks, assumptions and other factors that could cause actual developments and results to differ materially from our statement in this presentation. These factors include, but not limited to, regulatory developments, competitive conditions, technological developments, general economic conditions and management changes.
- The information, statements or opinions in this presentation 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 or any advice or recommendation with respect to such securities or other financial instruments. TBB and its affiliates representatives, no matter for their negligence or any other reasons, should not be liable for any loss or damages arising from the use of or interpretation by others of information contained within this presentation or any matter related to this document.
Comprehensive Income (Consolidated)
Unit: NT\$ mn
| Provision 1,604 |
||||
|---|---|---|---|---|
| Unit: NT\$ mn 單位:新臺幣百萬元 |
||||
| 年度 Year |
9M22 | 9M23 | 增減數 | 成長率% |
| Items 項 目 |
(1) | (2) | (3)=(2)-(1) | (3)/(1) |
| 各項提存前稅前淨利 Net Income before tax and provision |
10,094 | 12,222 | 2,128 | 21.08% |
| Provision 各項提存 |
1,604 | 2,215 | 611 | 38.09% |
| 稅前淨利 Net Income before tax |
8,490 | 10,007 | 1,517 | 17.87% |
| 稅後淨利 Net Income |
7,090 | 8,369 | 1,279 | 18.04% |
| 稅前每一員工生產力 Employee Productivity before tax |
1.52 | 1.76 | 0.24 | 15.79% |
| 稅後EPS EPS after tax |
0.88 | 1.02 | 0.14 |
Net Revenue Breakdown
Unit: NT\$ mn
Net Service Fee Breakdown
Unit: NT\$ mn
單位:新臺幣百萬元 Unit: NT\$ mn
| 年度 Period 項目 Items |
2019 | 2020 | 2021 | 3Q22 | 2022 | 3Q23 |
|---|---|---|---|---|---|---|
| 權益總額 Equity |
95,517 | 98,659 | 101,660 | 99,503 | 104,107 | 115,212 |
| 股本 Common Stock |
71,320 | 74,886 | 77,432 | 80,297 | 80,297 | 82,224 |
| BVPS (NTD) 每股淨值(元) |
13.39 | 13.17 | 13.13 | 12.39 | 12.97 | 14.01 |
單位:新臺幣百萬元 Unit: NT\$ mn
| Year Items |
1Q22 | 2Q22 | 3Q22 | 4Q22 | 1Q23 | 2Q23 | 3Q23 |
|---|---|---|---|---|---|---|---|
| Deposit Balance (Cumulative) |
1,726,033 | 1,719,107 | 1,727,444 | 1,739,721 | 1,819,068 | 1,829,526 | 1,836,290 |
| Deposit Balance (Quarterly average) |
1,726,033 | 1,712,182 | 1,744,117 | 1,776,554 | 1,819,068 | 1,839,985 | 1,849,818 |
| Loan Balance (Cumulative) |
1,303,246 | 1,315,123 | 1,333,022 | 1,349,760 | 1,399,521 | 1,404,493 | 1,414,564 |
| Loan Balance (Quarterly average) |
1,303,246 | 1,326,999 | 1,368,819 | 1,399,974 | 1,399,521 | 1,409,465 | 1,434,707 |
Unit: NT\$ 100mn
Foreign Currency Loan Breakdown
Unit: NT\$ 100mn
Unit: NT\$ 100mn
| 2019 | 2020 | 2021 | 9M22 | 2022 | 9M23 |
|---|---|---|---|---|---|
單位:新臺幣百萬元 Unit: NT\$ mn
| Year 年度 Items 項目 |
2019 | 2020 | 2021 | 9M22 | 2022 | 9M23 | YoY |
|---|---|---|---|---|---|---|---|
| Net Revenue 淨收益(累計數) |
23,210 | 21,869 | 24,106 | 20,752 | 28,529 | 24,153 | +3,401 |
| Operating Expense 營業費用(累計數) |
12,727 | 12,429 | 13,116 | 10,658 | 14,103 | 11,930 | +1,272 |
| Percentage 百分比 |
54.83% | 56.83% | 54.41% | 51.36% | 49.43% | 49.39% | 1.97% |
Capital Adequacy Ratio
Unit: %
| 4Q21 | 3Q22 | 4Q22 | 3Q23 | Minimum Requirement |
|
|---|---|---|---|---|---|
| BIS(%) | 13.39 | 12.31 | 12.48 | 13.31 | 10.50 |
| Tier1(%) | 9.83 | 9.09 | 9.32 | 9.73 | 8.50 |
| CET1(%) | 8.32 | 7.65 | 7.90 | 8.36 | 7.00 |
Awards and Glory
The National Brand Yushan Award
- Best Popular Brand
- Best Product
FSC
- Program to Encourage Loan Projects by Domestic Banks to SMEs (Group A)
- Prize for Balanced Regional Development
- Organizing financial information sessions on campus and in community
Ministry of Economic Affairs,R.O.C
- Policy Facilitation Award
- Youth Entrepreneurship, Start-up and Micro Businesses Support Award
- Collaboration with Corporates Award
- Excellent Award for Collections for Guarantee Cases
FSC
- Phase 1, Trust 2.0 Program by Trust Enterprises-Retirement Trust Award
- 112 Excellent Financial Education Cases
Taiwan Sustainability Action Awards (TSAA)
• Awards of environmental sustainability and social inclusion
Excellent Bank Magazine
• Best Digital financial Service
Asian Corporate Social Responsibility Award
• Green Leadership Award
Operating Directions
Development of Sustainable Finance
