T.C.C.B. — Interim / Quarterly Report 2018

Aug 31, 2018

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2018.9.3

免責聲明

• 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。

• 使用者亦應注意，本份簡報可能包含前瞻性陳述。任何非歷史性資料，包括公 司經營策略、營運計劃與未來展望等皆屬前瞻性陳述範疇，而前瞻性陳述本身 的不確定性、風險、假設或其他因素如：法規變化、競爭環境、科技發展、經 濟情勢與經營上的改變等，皆有可能導致公司實際營運結果與簡報陳述有重大 差異。

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• 本文件中所揭露之財務資訊未完全經會計師簽核。

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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 年上半年營運摘錄

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獲利情形

。 稅後淨利 19 億元，較去年同期成長 14.4% 。 每股稅後盈餘 0.57 元，較去年同期成長 16.3% 資產品質 。 逾期放款比率為 0.37% 、逾期放款覆蓋率 378.28%

資本適足率 。 合併資本適足率 12.41% 、第一類資本率 10.99% 。 個體資本適足率 11.75% 、第一類資本率 10.82%

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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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獲利表現 ( 新臺幣佰萬元 , 元 )

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稅後淨利

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3,633
3,515
3,477
2015 2016 2017
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1,910
1,669
1H17 1H18
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每股盈餘 ( 稅後 )

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1.10 1.10
1.07
追溯後
1.14 1.09 1.10
2015 2016 2017
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0.57
0.49
1H17 1H18
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獲利績效

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股東權益報酬率 ( 稅後 )

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9.19%
8.64% 8.57%
2015 2016 2017
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8.72%
8.08%
1H17 1H18
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資產報酬率 ( 稅後 )

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0.63%
0.58% 0.56%
2015 2016 2017
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0.56%
0.52%
1H17 1H18
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• ROE 及 ROA 為年化數據

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主要獲利動因 ( 新臺幣佰萬元 )
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1H17 1H18 1H17 1H18
YoY 6.1% YoY 10.8% YoY -36.9%
YoY 8.4%
5,660 2,185
5,335
3,208
2,896
2,016
423
267
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|
|5,594|5,555|5,661|5,666|5,813|YoY 3.9%|
|HoH 2.7%|
|524|外幣存款|
|535|499|515|528|YoY -2.1%|
|HoH 1.7%|
|臺幣定存|
|YoY 4.6%|
|2,929|HoH 4.5%|
|2,802|2,794|
|2,801|2,776|
|臺幣活存|
|臺幣定存|
|40.60%|
|50.39%|
|臺幣活存|
|2,258|2,280|2,344|2,344|2,360|YoY 4.5%|
|HoH 0.7|%|外幣存款|
|9.01%|
|存款結構|(2Q18)|
|2Q17|3Q17|4Q17|1Q18|2Q18|

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銀行放款組合 ( 新臺幣億元 )

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|---|---|---|---|---|---|---|
|總放款|
|YoY 3.4%|
|4,345|4,354|4,360|4,313|4,493|HoH 3.1%|
|購置住宅|
|276|大型企業|
|273|282|266|252|YoY 1.1%|及修繕|個人消費性|
|HoH 3.8|%|12%|
|3%|
|OBU|
|中小型企業|
|6%|
|YoY 2.4%|
|1,815|HoH 2.6%|
|1,772|1,757|1,769|1,750|
|OBU|
|YoY 1.9%|其他個人|
|HoH 2.3%|
|貸款|
|260|261|259|256|265|中小型|33%|
|購置住宅及修繕|
|企業|
|555|YoY -1.4%|
|563|561|560|557|HoH -0.9%|40%|
|108|
|78|87|96|101|
|個人消費性|
|YoY 38.5%|
|HoH 12.5%|
|大型企業|
|1,399|1,406|1,410|1,397|1,474|其他個人非消費性|6%|
|YoY 5.4%|
|HoH 4.5|%|

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放款結構 (2Q18)

4Q17

1Q18 2Q18

2Q17

3Q17

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銀行存放比率與存放利差

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存放比

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總存放比 台幣存放比 外幣存放比
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存放利差
總存放利差 台幣利差 外幣利差
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78.65%
78.49%
77.59% 77.73%
76.96%
78.19%
77.48%
77.04% 77.15%
75.94%
73.52%
71.47% 71.28%
67.87%
66.00%
2Q17 3Q17 4Q17 1Q18 2Q18
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2.45%
1.96% 2.03% 2.07% 2.11%
1.77%
1.73% 1.73%
1.72% 1.72%
1.69% 1.69% 1.70% 1.69% 1.69%
2Q17 3Q17 4Q17 1Q18 2Q18
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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%
1.24% 1.24% 1.22% 1.23%
6,244
6,174
6,097 6,113
6,016
2Q17 3Q17 4Q17 1Q18 2Q18
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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 10.7%
1,527 1,459 1,691 HoH 15.9%
其他手續費收入
249 YoY 9.7%
HoH 4.2%
227
239
246
放款手續費收入 其他
143 YoY 72.0%
15%
170 HoH 44.7%
放款 保險及證券
360 429
信託手續費收入 15% 45%
410 YoY19.2%
HoH 4.6%
信託
25%
保險及證券
手續費收入
797 767 YoY -3.8%
640 HoH19.8%
手續費收益分佈 (1H18)
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1H17

2H17

1H18

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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
YoY 3.9%
1,126 1,026 1,170 HoH 14.0%
276 308 基金
YoY 11.6%
HoH -8.3%
336
保險及證券
YoY -3.8%
HoH 19.8%
767
797
640
其他金融商品
YoY 79.2%
HoH 90.0%
95
53 50
1H17 2H17 1H18
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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

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-21 bps
0.58%
0.55%
0.42% 0.42%
0.37%
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呆帳覆蓋率及備抵呆帳餘額

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129.34%
378.28%
344.14% 343.87%
268.02%
248.94%
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2,501
2,269
1,845
1,842
1,655
2Q16 4Q16 2Q17 4Q17 2Q18
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6,338 6,345
6,260
6,227
6,083
2Q16 4Q16 2Q17 4Q17 2Q18
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資本適足性

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第一類資本比率

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第二類資本比率

合 11.94% 10.96% 12.68% 12.41% 併 1.53% 1.42% 2.15% 1.61% 11.15% 10.99% 9.79% 9.35% 2015 2016 2017 2Q18 第一類資本比率 第二類資本比率 個 12.01% 11.75% 11.15% 10.25% 體 1.03% 0.93% 1.66% 1.16% 10.98% 10.82% 9.49% 9.09% 2015 2016 2017 2Q18

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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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台中銀行資產負債表 ( 合併 )

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			經營成果	經營成果	經營成果	經營成果	經營成果
單位：新臺幣佰萬元			2015	2016	2017	1H18	HoH
資產
	現金及存放銀行同業		96,325	100,323	45,123	44,777	-0.77%
	金融商品投資		68,017	77,742	159,651	168,614	5.61%
	貼現及放款-淨額		391,084	425,166	430,858	444,338	3.13%
	應收款項-淨額		6,653	9,802	13,658	12,808	-6.22%
	採用權益法之投資-淨額		137	131	128	157	22.66%
	不動產及設備-淨額		9,272	9,437	9,388	9,395	0.07%
	其他資產		4,143	4,502	4,218	3,356	-20.44%
資產總計			575,631	627,103	663,024	683,445	3.08%
負債
	存款及匯款		504,864	539,809	566,095	581,279	2.68%
	其他負債		30,821	45,912	53,527	57,907	8.18%
負債總計			535,685	585,721	619,622	639,186	3.16%
權益總計			39,946	41,382	43,402	44,259	1.97%
負債及權益總計			575,631	627,103	663,024	683,445	3.08%

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台中銀行綜合損益表 ( 合併 )

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			經營成果	經營成果	經營成果	經營成果	經營成果	經營成果	經營成果
單位：新臺幣佰萬元			2015	2016	2017		1H17	1H18	YoY
淨收益
	利息淨收益		7,475	7,787	8,186		4,058	4,100	1.03%
	手續費淨收益		2,043	2,272	2,449		1,123	1,347	19.9%
	採用權益法認列之關聯企業及 合資（損）益之份額		(4)	(6)	(3)		(1)	(3)	-200.0%
	透過損益按公允價值衡量之金 融資產及負債淨利益(損失)		309	663	491		315	63	-80.0%
	資產減損迴轉利益(損失)		39	106	(51)		(23)	(6)	73.9%
	其他淨收益(損失)		241	(29)	323		(137)	159	216.1%
淨收益合計			10,103	10,793	11,395		5,335	5,660	6.09%
非利息費用
	營業費用		(5,222)	(5,848)	(5,915)		(2,896)	(3,208)	10.8%
非利息費用合計			(5,222)	(5,848)	(5,915)		(2,896)	(3,208)	10.8%
提列前盈餘			4,881	4,945	5,480		2,439	2,452	0.53%
呆帳費用及保證責任準備			(744)	(801)	(1,125)		(423)	(267)	-36.9%
稅前淨利			4,137	4,144	4,355		2,016	2,185	8.4%
稅後淨利			3,477	3,515	3,633		1,669	1,910	14.4%

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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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營運亮點
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鑒於擴大海外市場利基及配合政府南向政策， 2018 獲准於海外增設首家分行，並於年上半年營運亮點 2018 年 4 月取得 馬來西亞金融監理機關（ LFSA ）設置納閩分行 核准函，營運目標將放在擴增外幣授信業務， 並積極進行海外布局，開拓國際金融業務。

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營運亮點
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2018 為平衡南北台灣金融版圖及擴大通路範圍， 年上半年營運亮點 上半年積極於新北市新店區及高雄市左營區增 設分行，藉以發揮本行長期服務中小企業之經 驗優勢，提升整體規模及營收貢獻。

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策略執行成效
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2018 年長期信用評等 A-(twn) ，展望穩定 集中撥貸作業上線，提升作業品質、降低授信風險 2018 年上半年營運亮點 成立北、中、南消金推展中心，配合實體通路布局 積極加入行動支付平台，提供客戶多元化服務

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策略展望
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強化風控、恪守法遵 2018 年上半年營運亮點 善用優勢、拓展業務 提升人力運用、質量並重

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我們的
願景

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Thanks for your listening.

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