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T.C.C.B. — Annual Report 2018
Mar 14, 2019
52197_rns_2019-03-14_3fbdaa67-a3ed-41ae-bafc-a67d620b4d6e.pdf
Annual Report
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2019.3.15
免責聲明
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本份簡報由台中銀行提供，使用者在閱讀簡報資訊同時，應參考台中銀行向主 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、完整性與精確度，但台中銀行並不保證所有資料皆準確無誤，簡報公開 後，我們亦不負有因情事變更而即時修正相關內容義務。 -
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2018 年執行成效 擴大海外市場，納閩分行正式開業
為發展新南向市場，台中銀行於 2018 年 10 月 22 日邀請馬來西亞納閩金融服 務管理局（ Labuan FSA ）主委 Danial Mah Abdullah 共同主持納閩分行開業 儀式，並於隔天 23 日為吉隆坡行銷服 務處揭牌。 此次首度的海外據點設立，台中銀行 將視野移轉到國際空間，結合國際金 融業務，提供當地臺商融資服務，滿 足客戶跨國資金調度需求，以擴展外 匯業務及海外收益。
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目 錄
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營運摘錄
營運概況
財務資訊
附錄
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2018 年營運摘錄
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獲利情形 。 稅後淨利 40 億元，較去年成長 10.32% 。 每股稅後盈餘 1.18 元，較去年成長 7.27% 資產品質 。 逾期放款比率為 0.45% 、備抵呆帳覆蓋率 317.95% 資本適足率 。 合併資本適足率 13.01% 、第一類資本率 11.79% 。 個體資本適足率 12.35% 、第一類資本率 11.65%
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目 錄
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營運摘錄
營運概況
財務資訊
附錄
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銀行整體營運概況 ( 新臺幣佰萬元 )
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| 2016 | 2017 | 2018 | YoY | |
|---|---|---|---|---|
股本 |
32,381 | 32,932 | 35,255 | 7.05% |
權益 |
41,382 | 43,402 | 47,824 | 10.19% |
總資產 |
622,549 | 656,490 | 684,159 | 4.21% |
提存前盈餘 |
4,773 | 5,217 | 5,049 | -3.22% |
稅後淨利 |
3,515 | 3,633 | 4,008 | 10.32% |
EPS(元) |
1.09 | 1.10 | 1.18 | 7.27% |
每股淨值 |
12.78 | 13.18 | 13.57 | 2.96% |
| ROA | 0.59% | 0.57% | 0.60% | 0.03% |
| ROE | 8.64% | 8.57% | 8.79% | 0.22% |
總存款 |
541,243 | 567,256 | 589,243 | 3.88% |
總放款 |
430,072 | 435,953 | 458,216 | 5.11% |
存放比 |
79.61% | 77.04% | 77.92% | 0.88% |
逾放比 |
0.58% | 0.42% | 0.45% | 0.03% |
備抵覆蓋率 |
248.94% | 343.87% | 317.95% | -25.92% |
放款覆蓋率 |
1.45% | 1.46% | 1.43% | -0.03% |
資本適足性 |
10.25% | 12.01% | 12.35% | 0.34% |
第一類資本比率 |
9.09% | 10.98% | 11.65% | 0.67% |
槓桿比率 |
6.25% | 7.13% | 7.80% | 0.67% |
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獲利表現 ( 新臺幣佰萬元 , 元 )
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稅後淨利
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4,008
3,633
3,515
2016 2017 2018
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每股盈餘 ( 稅後 )
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1.18
1.09 1.10
2016 2017 2018
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( 新臺幣元 ) 股利政策
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現金股利 股票股利
| 0.55 0.45 0.28 0.17 0.25 0.52 2016 2017 2018 76.39% 23.61% 64.29% 35.71% 35.00% 65.00% |
0.55 0.45 0.28 0.17 0.25 0.52 2016 2017 2018 76.39% 23.61% 64.29% 35.71% 35.00% 65.00% |
0.55 0.45 0.28 0.17 0.25 0.52 2016 2017 2018 76.39% 23.61% 64.29% 35.71% 35.00% 65.00% |
0.55 0.45 0.28 0.17 0.25 0.52 2016 2017 2018 76.39% 23.61% 64.29% 35.71% 35.00% 65.00% |
|
|---|---|---|---|---|
| 2016 | 2017 | 2018 | ||
每股股利 |
0.72 | 0.70 | 0.80 | |
現金股利 |
0.55 | 0.45 | 0.28 | |
股票股利 |
0.17 | 0.25 | 0.52 |
註： 2018 年度實際發放金額仍需待董事會擬定後，提請股東會決議
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獲利績效
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淨值報酬率 ( 稅後 )
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8.64% 8.57% 8.79%
2016 2017 2018
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資產報酬率 ( 稅後 )
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0.59%
2016
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0.57%
2017
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0.60%
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2018
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主要獲利動因 ( 新臺幣佰萬元 )
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2017 2018 2017 2018
YoY 3.16% YoY 9.65% YoY -56.60%
YoY 8.62%
10,675
10,348
4,638
4,270
5,626
5,131
947
411
淨營業收入 營業費用 呆帳費用 稅前淨利
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銀行存款組合 ( 新臺幣億元 )
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|---|---|---|---|---|---|
|總存款|
|YoY 3.86%|
|5,892|QoQ 2.77%|
|5,824|5,733|
|5,673|5,679|
|529|
|523|外幣存款|
|515|528|532|
|YoY 2.72%|
|QoQ -0.56%|
|臺幣定存|
|YoY 3.42%|
|2,804|2,796|2,931|2,842|2,900|QoQ 2.04%|
|臺幣活存|
|臺幣定存|
|41.80%|
|49.22%|
|臺幣活存|
|2,354|2,355|2,370|2,359|2,463|YoY 4.63%|
|QoQ 4.41%|外幣存款|
|8.98%|
|存款結構|(4Q18)|
|4Q17|1Q18|2Q18|3Q18|4Q18|
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銀行放款類別 ( 新臺幣億元 )
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無擔保 有擔保
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3,877
3,648
83.67% 84.61%
712 705
16.33% 15.39%
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| 2017 2018 |
2017 2018 |
2017 2018 |
2017 2018 |
|---|---|---|---|
| 2017 | 2018 | YoY | |
擔保品別 |
|||
無擔保 |
712 | 705 | -0.98% |
有擔保 |
3,648 | 3,877 | 6.28% |
不動產擔保 |
3,321 | 3,536 | 6.47% |
保證函擔保 |
170 | 164 | -3.53% |
其他 |
157 | 177 | 12.74% |
合計 |
4,360 | 4,582 | 5.09% |
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銀行放款結構 ( 新臺幣億元 )
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企業金融 消費金融
放款結構 2018
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2,363
2,293
2,219
2,067
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2017
2018
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企業金融
消費金融
51.57%
48.43%
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| 2017 | 2018 | YoY | |
|---|---|---|---|
企業金融 |
2,293 | 2,363 | 3.05% |
消費金融 |
2,067 | 2,219 | 7.35% |
放款合計 |
4,360 | 4,582 | 5.09% |
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( 新臺幣億元 ) 銀行放款幣別
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臺幣放款 外幣放款
放款幣別 2018
| 3,992 4,199 368 383 2017 2018 |
3,992 4,199 368 383 2017 2018 |
3,992 4,199 368 383 2017 2018 |
3,992 4,199 368 383 2017 2018 |
|
|---|---|---|---|---|
| 2017 | 2018 | YoY | ||
臺幣放款 |
3,992 | 4,199 | 5.19% | |
外幣放款 |
368 | 383 | 4.08% | |
放款合計 |
4,360 | 4,582 | 5.09% |
外幣放款 8.36% 臺幣放款 91.64%
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銀行消費金融 - 消費者貸款 ( 新臺幣億元 )
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平均利率 逾放比
4.56%
4.48%
0.52%
0.51%
110
85
本國銀行 成長率
3.39%
2017 餘額 2018 餘額
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註：消費者貸款不含住宅抵押貸款、現金卡、信用卡及金融卡貸款。
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銀行放款組合 ( 新臺幣億元 )
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|---|---|---|---|---|---|
|總放款|
|4,582|YoY 5.09%|
|4,535|
|4,493|QoQ 1.04%|
|4,360|4,313|
|229|購置住宅|
|244|
|276|大型企業|
|266|252|YoY -13.91%|及修繕|個人消費性|
|QoQ -6.15%|12.44%|
|2.62%|
|OBU|
|中小型企業|
|1,842|YoY 4.13%|6.39%|
|1,831|
|1,769|1,750|1,815|QoQ 0.60%|
|OBU|
|YoY 13.13%|其他個人|
|QoQ 5.78%|貸款|
|277|293|33.35%|
|265|
|259|256|
|購置住宅及修繕|中小型|
|555|565|570|YoY 1.79%|企業|
|560|557|
|QoQ 0.88%|40.20%|
|108|114|120|
|96|101|
|個人消費性|
|YoY 25.00%|
|QoQ 5.26%|
|大型企業|
|1,410|1,397|1,474|1,504|1,528|5%|
|其他個人非消費性|
|YoY 8.37%|
|QoQ 1.60%|
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放款組合 (4Q18)
4Q17
1Q18
2Q18 3Q18 4Q18
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銀行存放比率與存放利差
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存放比
總存放比臺幣存放比外幣存放比
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存放利差
總存放利差臺幣利差外幣利差
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79.89%
78.48%
77.59% 77.73%
76.96% 79.10%
77.92%
77.04% 77.15%
75.94%
72.34%
71.47% 71.28% 71.38%
66.00%
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2.45% 2.43% 2.44%
2.07% 2.11%
1.77%
1.72% 1.73% 1.73% 1.74%
1.70% 1.69% 1.69% 1.67% 1.68%
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4Q17 1Q18 2Q18 3Q18 4Q18
4Q17 1Q18 2Q18 3Q18 4Q18
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( 新臺幣億元 ,%) 銀行淨利息收益率
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NIM 及孳息資產均額
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1.28%
1.22% 1.23% 1.23% 1.24%
6,298 6,322
6,244
6,174
6,016
4Q17 1Q18 2Q18 3Q18 4Q18
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營業費用佔淨收益占比 ( 新臺幣佰萬元 )
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淨收益 營業費用 成本效率比率
57.50%
53.66%
50.57% 49.54%
43.94%
2,733 2,717 2,756 2,743
2,459
1,479
1,414 1,374 1,359
1,201
4Q17 1Q18 2Q18 3Q18 4Q18
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銀行資產品質 ( 新臺幣佰萬元 )
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逾放比率及逾放餘額
-0.13%
0.58%
0.45%
0.42% 0.42%
0.37%
2,501
2,054
1,842 1,845 1,655
4Q16 2Q17 4Q17 2Q18 4Q18
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呆帳覆蓋率及備抵呆帳餘額
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69.01%
378.28%
344.14% 343.87%
317.95%
248.94%
6,532
6,338 6,345
6,260
6,227
4Q16 2Q17 4Q17 2Q18 4Q18
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手續費收入組合 ( 新臺幣佰萬元 )
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手續費收入YoY 9.33% |
YoY | 9.71% | ||||||
|---|---|---|---|---|---|---|---|---|
| 875 | QoQ 1.01% | |||||||
| 729 | 132 86 |
84 815 |
92 789 |
97 797 |
其他手續費收入YoY 11.49% |
344 2,986 |
359 3,276 |
其他 |
| 87 | QoQ 5.43% | 620 | ||||||
| 191 | 128 | 169 | 435 | 放款 |
||||
| 122 | 放款手續費收入 |
|||||||
| 223 | YoY 38.52% | |||||||
| 199 | 207 | 196 | 183 | QoQ 32.03%信託手續費收入 |
770 | 809 | 信託 |
|
| YoY -8.04% | ||||||||
| QoQ -6.63% | ||||||||
| 321 | 434 | 333 | 373 | 348 | 保險及證券手續費收入 |
1,437 | 1,488 | 保險及證券 |
| YoY 8.41% | ||||||||
| QoQ -6.70% | ||||||||
| 4Q17 | 1Q18 | 2Q18 | 3Q18 | 4Q18 | 2017 | 2018 |
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財富管理手續費收入分佈 ( 新臺幣佰萬元 )
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Total
648
YoY 0.98% YoY 4.14%
QoQ -7.88%
2,241
558 2,152
173 521 514
509
567
基金
146 基金 612
135 113 YoY -32.33%
167 QoQ -22.60%
保險及
保險及證券
434 YoY 8.10% 1,488 證券
333 374 347 QoQ -7.22% 1,437
321
其他金融商品 其他金
YoY 157.14 % 融商品
186
41 53 38 54 QoQ 42.11% 103
21
2017 2018
4Q17 1Q18 2Q18 3Q18 4Q18
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子公司收益佔比 ( 新臺幣佰萬元 )
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稅後淨利 |
台中銀行 |
保經子公司 |
租賃子公司 |
證券子公司 |
合計 |
|---|---|---|---|---|---|
2017年 |
3,378 | 256 | 32 | (33) | 3,633 |
2018年 |
3,565.8 | 360 | 82 | 0.2 | 4,008 |
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租賃子公司 租賃子公司
0.87% 2.04%
證券子公司 證券子公司
-0.89% 0.01%
保經子公司 保經子公司
7.06%
8.99%
台中銀行 台中銀行
92.96% 88.96%
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2017 年獲利組合
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2018 年獲利組合
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資本適足性
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第一類資本比率 第二類資本比率
13.01%
合 12.68%
10.96%
併 1.53% 1.22%
1.61%
11.15% 11.79%
9.35%
2016 2017 2018
第一類資本比率 第二類資本比率
個
12.01% 12.35%
10.25%
體 0.70%
1.03%
1.16%
10.98% 11.65%
9.09%
2016 2017 2018
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目 錄
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營運摘錄
營運概況
財務資訊
附錄
26
台中銀行簡明資產負債表 ( 個體 )
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單位:新 臺 幣 佰 萬 元 |
2016 | 2017 | 2018 | YoY |
|---|---|---|---|---|
資產 |
||||
現金及存放銀行同業 |
99,539 | 44,066 | 46,740 | 6.07% |
金融商品投資 |
77,450 | 158,984 | 163,891 | 3.09% |
貼現及放款-淨額 |
423,901 | 429,656 | 451,729 | 5.14% |
應收款項-淨額 |
4,075 | 6,329 | 5,028 | -20.56% |
採用權益法之投資-淨額 |
4,498 | 4,735 | 5,225 | 10.35% |
不動產及設備-淨額 |
9,372 | 9,296 | 9,368 | 0.77% |
其他資產 |
3,714 | 3,424 | 2,178 | -36.39% |
資產總計 |
622,549 | 656,490 | 684,159 | 4.21% |
負債 |
||||
存款及匯款 |
541,243 | 567,256 | 589,243 | 3.88% |
其他負債 |
39,924 | 45,832 | 47,092 | 2.75% |
負債總計 |
581,167 | 613,088 | 636,335 | 3.79% |
權益總計 |
41,382 | 43,402 | 47,824 | 10.19% |
負債及權益總計 |
622,549 | 656,490 | 684,159 | 4.21% |
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台中銀行簡明綜合損益表 ( 個體 )
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單位:新 臺 幣 佰 萬 元 |
2016 | 2017 | 2018 | YoY |
|---|---|---|---|---|
利息淨收益 |
7,499 | 7,823 | 7,991 | 2.15% |
手續費淨收益 |
1,294 | 1,554 | 1,793 | 15.38% |
其他淨收益 |
985 | 971 | 891 | -8.24% |
淨收益合計 |
9,778 | 10,348 | 10,675 | 3.16% |
營業費用 |
(5,005) | (5,131) | (5,626) | 9.65% |
提存前盈餘 |
4,773 | 5,217 | 5,049 | -3.22% |
呆帳費用 |
(690) | (947) | (411) | -56.60% |
繼續營業單位稅前淨利 |
4,083 | 4,270 | 4,638 | 8.62% |
所得稅費用 |
(568) | (637) | (630) | -1.10% |
本年度稅後淨利 |
3,515 | 3,633 | 4,008 | 10.32% |
其他綜合損益 |
(487) | 168 | 34 | -79.76% |
本年度綜合損益總額 |
3,028 | 3,801 | 4,042 | 6.34% |
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台中銀行簡明資產負債表 ( 合併 )
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單位:新 臺 幣 佰 萬 元 |
2016 | 2017 | 2018 | YoY |
|---|---|---|---|---|
資產 |
||||
現金及存放銀行同業 |
100,323 | 45,123 | 47,644 | 5.59% |
金融商品投資 |
77,742 | 159,651 | 165,027 | 3.37% |
貼現及放款-淨額 |
425,166 | 430,858 | 452,595 | 5.05% |
應收款項-淨額 |
9,802 | 13,658 | 12,781 | -6.42% |
採用權益法之投資-淨額 |
131 | 128 | 153 | 19.53% |
不動產及設備-淨額 |
9,437 | 9,388 | 9,447 | 0.63% |
其他資產 |
4,502 | 4,218 | 3,185 | -24.49% |
資產總計 |
627,103 | 663,024 | 690,832 | 4.19% |
負債 |
||||
存款及匯款 |
539,809 | 566,095 | 587,968 | 3.86% |
其他負債 |
45,912 | 53,527 | 55,040 | 2.83% |
負債總計 |
585,721 | 619,622 | 643,008 | 3.77% |
權益總計 |
41,382 | 43,402 | 47,824 | 10.19% |
負債及權益總計 |
627,103 | 663,024 | 690,832 | 4.19% |
29
台中銀行簡明綜合損益表 ( 合併 )
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單位:新 臺 幣 佰 萬 元 |
2016 | 2017 | 2018 | YoY |
|---|---|---|---|---|
利息淨收益 |
7,787 | 8,186 | 8,434 | 3.03% |
手續費淨收益 |
2,272 | 2,449 | 2,846 | 16.21% |
其他淨收益 |
734 | 760 | 409 | -46.18% |
淨收益合計 |
10,793 | 11,395 | 11,689 | 2.58% |
營業費用 |
(5,848) | (5,915) | (6,457) | 9.16% |
提存前盈餘 |
4,945 | 5,480 | 5,232 | -4.53% |
呆帳費用 |
(801) | (1,125) | (472) | -58.04% |
繼續營業單位稅前淨利 |
4,144 | 4,355 | 4,760 | 9.30% |
所得稅費用 |
(629) | (722) | (752) | 4.16% |
本年度稅後淨利 |
3,515 | 3,633 | 4,008 | 10.32% |
其他綜合損益 |
(487) | 168 | 34 | -79.76% |
本年度綜合損益總額 |
3,028 | 3,801 | 4,042 | 6.34% |
30
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目 錄
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營運摘錄
營運概況
財務資訊
附錄
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2018 年執行成效
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2018年長期信用評等A-(twn)，展望穩定。
積極於新北市新店區及高雄市左營區增設分行。
集中撥貸作業上線，提升作業品質、降低授信風險。
成立台北區、桃竹區、中區、南區消金推展中心，配合實體通路布局。
加入行動支付平台(街口支付約定連結帳戶服務)，滿足行動支付需求。
為落實公平待客原則並保障金融消費者權益，設置「客訴處理小組」專
責處理客戶申訴。
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2018 年經營成果
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參與財金公司「金融區塊鏈函證應用」研發，導入電子函證業務。 連續 4 年度獲得金融聯合徵信中心「金安獎」，肯定信用資訊安控績優 表現，並於 2018 年獲得「金優獎」，首次同年度獲得雙項大獎。 榮獲財訊 2018 年財富管理大獎「最佳數位財富管理」及「最佳影音行 銷」之獎項。 榮獲 2018 年《卓越銀行評比民意調查》「最佳服務獎」。 榮獲 2019 年財團法人海外信用保證基金「 107 年度新南向國家融資金額 成長優等獎」。 2018 年台中銀行為響應企業社會責任舉辦 「 用心關懷 LOVE 傳愛 」 捐 血活動，拍攝捐血宣傳影片，榮獲 2019 年第三屆台北金鵰微電影展「網 路人氣獎」、「最佳拍攝創意」雙項大獎。
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2019 年策略展望
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強化風控、恪守法遵
善用優勢、拓展業務
人力提升、鼓勵創新
數位流程、精進服務
. Thank You for listening
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