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T.C.C.B. — Investor Presentation 2019
Aug 26, 2019
52197_rns_2019-08-26_144eec13-99f8-41fc-9003-3951a0a00e33.pdf
Investor Presentation
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2019上半年度法人說明會
2019年8月27日
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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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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簡報內容、陳述或主張非為買賣或提供買賣任何有價證券或金融商品的邀約、 邀約之引誘或建議。台中銀行及其他關係企業代表人無論過失或其他原因，均 不對使用或因他人引用本份簡報資料、亦或其他因簡報資料導致的任何損害負 擔任何責任。
目錄
■ 營運摘要
■ 營運概況 ■ 財務資訊
■ 附錄
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2019上半年度營運摘要
獲利情形
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稅後淨利21億元，較去年同期成長10.26%。
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每股稅後盈餘0.57元，較去年同期成長5.56%。
資產品質
- 逾期放款比率為0.37%、備抵呆帳覆蓋率403.68%。
資本適足率
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合併資本適足率13.63%、第一類資本率12.48%。
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個體資本適足率12.98%、第一類資本率12.37%。
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目錄
■ 營運摘要
■ 營運概況 ■ 財務資訊 ■ 附錄
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獲利表現
稅後淨利
(新臺幣佰萬元)
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2,106
+10.26%
1,910
1H18 1H19
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4,008
+10.32%
+3.36% 3,633
3,515
2016 2017 2018
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每股盈餘
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(新臺幣元)
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0.57
+5.56%
0.54
1H18 1H19
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1.18
+7.27%
+0.92% 1.10
1.09
2016 2017 2018
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獲利績效
資產報酬率(ROA)
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0.62%
0.58%
1H18(註) 1H19(註)
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0.60%
0.59%
0.57%
2016 2017 2018
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淨值報酬率(ROE)
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8.72% 8.68%
1H18(註) 1H19(註)
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8.64% 8.57% 8.79%
2016 2017 2018
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7 註：為年化資訊。
主要獲利動因
(新臺幣佰萬元)
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1H18 1H19
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1H18 1H19 1H18 1H19
YoY 7.19% YoY 0.54% YoY 26.50% YoY 13.69%
5,549
5,177
2,450
2,155
2,788 2,803
234 296
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 -1.10%
5,823
5,824 5,892 QoQ -1.08%
5,733 5,760
529 外幣存款
523 535
532 566 YoY 8.22%
QoQ 5.79%
臺幣定存
2,931 2,842 2,900 2,805 2,700 YoY -7.88% 臺幣定存 臺幣活存
QoQ -3.74%
46.88% 43.30%
外幣存款
2,370 2,359 2,463 2,483 2,494
臺幣活存 9.82%
YoY 5.23%
QoQ 0.44%
存款結構2Q19
2Q18 3Q18 4Q18 1Q19 2Q19
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(新臺幣億元)
銀行放款類別
企業金融
消費金融
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2,363
2,293
2,219
2,067
52.59% 47.41% 51.57% 48.43%
2017 2018
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2,240
2,171
50.78% 49.22%
1H19
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| 2017 | 2018 | 1H19 | HoH | |
|---|---|---|---|---|
| 企業金融 | 2,293 | 2,363 | 2,240 | -5.21% |
| 消費金融 | 2,067 | 2,219 | 2,171 | -2.16% |
| 放款合計 | 4,360 | 4,582 | 4,411 | -3.73% |
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(新臺幣億元)
銀行消費金融-消費者貸款
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平均利率 逾放比
4.56%
4.48% 4.49%
0.52% 0.52%
0.51%
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115
110 +4.55%
85
本國銀行
成長率
1.26%
2017 2018 1H19
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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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(新臺幣億元)
銀行放款幣別
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外幣放款 臺幣放款
4,199
3,992 4,017
91.56% 91.64% 91.07%
368 383 394
8.44% 8.36% 8.93%
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2017 2018 1H19
| 2017 | 2018 | 1H19 | HoH | |
|---|---|---|---|---|
| 臺幣放款 | 3,992 | 4,199 | 4,017 | -4.33% |
| 外幣放款 | 368 | 383 | 394 | 2.87% |
| 放款合計 | 4,360 | 4,582 | 4,411 | -3.73% |
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銀行放款組合
(新臺幣億元)
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總放款
4,582 4,511 4,411 YoY -1.83% 購置住宅
4,535
4,493 QoQ -2.22%
及修繕
229
244 209
276 204 大型企業 個人消費性
12.72%
YoY -26.09% 2.83%
QoQ -2.39%
OBU
中小型企業 7.12%
1,815 1,831 1,842 1,782 1,722 QoQ -3.37% YoY -5.12%
其他個人
OBU 貸款
YoY 18.49%
QoQ 0.96% 33.67%
277 293 311 314
265 中小型
購置住宅及修繕
企業
555 565 570 567 561 YoY 1.08%
QoQ -1.06% 39.04%
108 114 120 122 125
個人消費性
YoY 15.74%
大型企業
QoQ 2.46%
1,474 1,504 1,528 1,520 1,485 4.62%
其他個人非消費性
YoY 0.81%
QoQ -2.24% 放款結構2Q19
2Q18 3Q18 4Q18 1Q19 2Q19
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銀行聯貸承作情形
(新臺幣億元)
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聯貸占放款比重 聯貸逾放比 聯貸餘額
7.96%
7.62% 7.57%
7.46%
7.30%
0.45%
0.00% 0.00% 0.00% 0.00%
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359
349
335 334
331
2Q18 3Q18 2018 1Q19 2Q19
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(新臺幣億元)
銀行放款擔保品別
無擔保 有擔保
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3,877
3,739
3,648
83.67% 84.61% 84.77%
712 705 672
16.33% 15.39% 15.23%
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2017 2018 1H19
| 2017 | 2018 | 1H19 | HoH | |
|---|---|---|---|---|
| 無擔保 | 712 | 705 | 672 | -4.68% |
| 有擔保 | 3,648 | 3,877 | 3,739 | -3.56% |
| 不動產擔保 | 3,321 | 3,536 | 3,428 | -3.05% |
| 保證函擔保 | 170 | 164 | 158 | -3.66% |
| 其他 | 157 | 177 | 153 | -13.56% |
| 合計 | 4,360 | 4,582 | 4,411 | -3.73% |
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銀行存放比
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總存放比 臺幣存放比 外幣存放比
79.89%
78.48%
77.59% 77.73% 77.79%
77.34%
76.96%
79.10%
77.92%
77.48%
77.04% 77.15%
76.57%
75.94%
74.40%
72.34%
71.47% 71.28% 71.38%
69.58%
66.00%
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3Q18
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4Q18
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4Q17
1Q18
2Q18
1Q19 2Q19
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銀行存放利差
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總存放利差 臺幣存放利差 外幣存放利差
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2.45% 2.43% 2.44%
2.38%
2.34%
2.11%
2.07%
1.78%
1.77%
1.74% 1.74%
1.73% 1.73%
1.72%
1.70%
1.70% 1.70%
1.69% 1.69%
1.68%
1.67%
4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19
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銀行淨利息收益率
(新臺幣億元)
NIM及孳息資產均額
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NIM
1.28%
1.24%
1.23% 1.23%
1.22%
1.21%
1.19%
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孳息資產均額
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6,436 6,430
6,298 6,322
6,244
6,174
6,016
4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19
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(新臺幣佰萬元)
營業費用佔淨收益占比
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淨收益 營業費用
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成本效率比率
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57.50%
53.66% 54.08%
50.57% 49.54%
46.86%
43.94%
2,733 2,717 2,756 2,743 2,809 2,740
2,459
1,479 1,519
1,414 1,374 1,359
1,201 1,284
4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19
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銀行資產品質
(新臺幣佰萬元)
逾放比率及逾放餘額
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逾放比率 逾放餘額
-0.21%
0.58%
0.45%
0.42% 0.42%
0.37% 0.37%
2,501
2,054
1,845
1,842
1,655 1,645
4Q16 2Q17 4Q17 2Q18 4Q18 2Q19
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銀行資產品質
(新臺幣佰萬元)
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呆帳覆蓋率及備抵呆帳餘額
呆帳覆蓋率 備抵呆帳餘額
+154.74%
403.68%
378.28%
344.14% 343.87%
317.95%
248.94%
6,643
6,532
6,338 6,345
6,260
6,227
4Q16 2Q17 4Q17 2Q18 4Q18 2Q19
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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 -7.81%
815 807 YoY -7.73%
789 797
QoQ -6.82%
752 1,691
1,559
84 83
92 97
171 其他
86
其他手續費收入
169
151 YoY 2.38%
191 128
169 QoQ 3.61% 324
142
293
放款手續費收入 放款
184 YoY -25.65%
196
QoQ -5.96%
207 183 429
221 405
信託手續費收入
YoY 6.76% 信託
QoQ 20.11%
389
373 保險及證券
333 348 303 手續費收入 767 692
YoY -9.01% 保險及
QoQ -22.11% 證券
2Q18 3Q18 4Q18 1Q19 2Q19 1H18 1H19
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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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558 554 財富管理手續費收入
YoY -2.50% YoY -9.15%
514
521 508 QoQ -8.30%
1,169
1,062
117
146
135 113 基金
143
YoY 5.93%
QoQ 22.22% 308
260
基金
保險及證券
333 373 348 389 YoY -9.01%
303 QoQ -22.11%
保險及
767
692
證券
其他金融商品
YoY 16.98 %
QoQ 29.17% 其他金
53 38 54 48 62 94 110 融商品
2Q18 3Q18 4Q18 1Q19 2Q19 1H18 1H19
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子公司收益佔比
(新臺幣佰萬元)
| 稅後淨利 | 1H18 | 1H19 | HoH |
|---|---|---|---|
| 台中銀行 | 1,784 | 1,831 | 2.63% |
| 子公司 | 126 | 275 | 118.25% |
| 合計 | 1,910 | 2,106 | 10.26% |
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子公司 子公司
6.59% 13.08%
台中銀行 台中銀行
93.41% 86.92%
1H18獲利組合 1H19獲利組合
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資本適足性
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合併
資本適足率 第一類資本比率 BIS
+2.67%
13.63%
13.01%
12.68%
12.41%
10.96% 11.13%
12.48%
11.79%
11.15% 10.99%
9.35% 9.46%
2016 1H17 2017 1H18 2018 1H19
個體
資本適足率 第一類資本比率 BIS
+2.73%
12.98%
12.35%
12.01%
11.75%
10.49%
10.25%
12.37%
11.65%
10.98% 10.82%
9.09% 9.27%
2016 1H17 2017 1H18 2018 1H19
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目錄
■ 營運摘要
■ 營運概況 ■ 財務資訊 ■ 附錄
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台中銀行簡明資產負債表(個體)
(新臺幣佰萬元)
| 2016 | 2017 | 2018 | 1H19 | HoH | |
|---|---|---|---|---|---|
| 資產 | |||||
| 現金及存放銀行同業 | 99,539 | 44,066 | 46,740 | 45,894 | -1.81% |
| 金融商品投資 | 77,450 | 158,984 | 163,891 | 171,735 | 4.79% |
| 貼現及放款-淨額 | 423,901 | 429,656 | 451,729 | 434,509 | -3.81% |
| 應收款項-淨額 | 4,075 | 6,329 | 5,028 | 3,591 | -28.58% |
| 採用權益法之投資-淨額 | 4,498 | 4,735 | 5,225 | 5,237 | 0.23% |
| 不動產及設備-淨額 | 9,372 | 9,296 | 9,368 | 9,371 | 0.03% |
| 其他資產 | 3,714 | 3,424 | 2,178 | 3,010 | 38.20% |
| 資產總計 | 622,549 | 656,490 | 684,159 | 673,347 | -1.58% |
| 負債 | |||||
| 存款及匯款 | 541,243 | 567,256 | 589,243 | 576,043 | -2.24% |
| 其他負債 | 39,924 | 45,832 | 47,092 | 47,991 | 1.91% |
| 負債總計 | 581,167 | 613,088 | 636,335 | 624,034 | -1.93% |
| 權益總計 | 41,382 | 43,402 | 47,824 | 49,313 | 3.11% |
| 負債及權益總計 | 622,549 | 656,490 | 684,159 | 673,347 | -1.58% |
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(新臺幣佰萬元)
台中銀行簡明綜合損益表(個體)
| 2016 | 2017 | 2018 | 1H18 | 1H19 | HoH | |
|---|---|---|---|---|---|---|
| 利息淨收益 | 7,499 | 7,823 | 7,991 | 3,898 | 3,964 | 1.69% |
| 手續費淨收益 | 1,294 | 1,554 | 1,793 | 938 | 902 | -3.84% |
| 其他淨收益 | 985 | 971 | 891 | 341 | 683 | 100.29% |
| 淨收益合計 | 9,778 | 10,348 | 10,675 | 5,177 | 5,549 | 7.19% |
| 營業費用 | (5,005) | (5,131) | (5,626) | (2,788) | (2,803) | 0.54% |
| 提存前盈餘 | 4,773 | 5,217 | 5,049 | 2,389 | 2,746 | 14.94% |
| 呆帳費用 | (690) | (947) | (411) | (234) | (296) | 26.50% |
| 繼續營業單位稅前淨利 | 4,083 | 4,270 | 4,638 | 2,155 | 2,450 | 13.69% |
| 所得稅費用 | (568) | (637) | (630) | (245) | (344) | 40.41% |
| 本年度稅後淨利 | 3,515 | 3,633 | 4,008 | 1,910 | 2,106 | 10.26% |
| 其他綜合損益 | (487) | 168 | 34 | 110 | 371 | 237.27% |
| 本年度綜合損益總額 | 3,028 | 3,801 | 4,042 | 2,020 | 2,477 | 22.62% |
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台中銀行簡明資產負債表(合併)
(新臺幣佰萬元)
| 2016 | 2017 | 2018 | 1H19 | HoH | |
|---|---|---|---|---|---|
| 資產 | |||||
| 現金及存放銀行同業 | 100,323 | 45,123 | 47,644 | 46,960 | -1.44% |
| 金融商品投資 | 77,742 | 159,651 | 165,027 | 172,719 | 4.66% |
| 貼現及放款-淨額 | 425,166 | 430,858 | 452,595 | 435,604 | -3.75% |
| 應收款項-淨額 | 9,802 | 13,658 | 12,781 | 11,939 | -6.59% |
| 採用權益法之投資-淨額 | 131 | 128 | 153 | 154 | 0.65% |
| 不動產及設備-淨額 | 9,437 | 9,388 | 9,447 | 9,439 | -0.08% |
| 其他資產 | 4,502 | 4,218 | 3,185 | 4,234 | 32.94% |
| 資產總計 | 627,103 | 663,024 | 690,832 | 681,049 | -1.42% |
| 負債 | |||||
| 存款及匯款 | 539,809 | 566,095 | 587,968 | 574,767 | -2.25% |
| 其他負債 | 45,912 | 53,527 | 55,040 | 56,969 | 3.50% |
| 負債總計 | 585,721 | 619,622 | 643,008 | 631,736 | -1.75% |
| 權益總計 | 41,382 | 43,402 | 47,824 | 49,313 | 3.11% |
| 負債及權益總計 | 627,103 | 663,024 | 690,832 | 681,049 | -1.42% |
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台中銀行簡明綜合損益表(合併)
(新臺幣佰萬元)
| 2016 | 2017 | 2018 | 1H18 | 1H19 | HoH | |
|---|---|---|---|---|---|---|
| 利息淨收益 | 7,787 | 8,186 | 8,434 | 4,100 | 4,171 | 1.73% |
| 手續費淨收益 | 2,272 | 2,449 | 2,846 | 1,347 | 1,430 | 6.16% |
| 其他淨收益 | 734 | 760 | 409 | 213 | 468 | 119.72% |
| 淨收益合計 | 10,793 | 11,395 | 11,689 | 5,660 | 6,069 | 7.23% |
| 營業費用 | (5,848) | (5,915) | (6,457) | (3,208) | (3,191) | -0.53% |
| 提存前盈餘 | 4,945 | 5,480 | 5,232 | 2,452 | 2,878 | 17.37% |
| 呆帳費用 | (801) | (1,125) | (472) | (267) | (365) | 36.70% |
| 繼續營業單位稅前淨利 | 4,144 | 4,355 | 4,760 | 2,185 | 2,513 | 15.01% |
| 所得稅費用 | (629) | (722) | (752) | (275) | (407) | 48.00% |
| 本年度稅後淨利 | 3,515 | 3,633 | 4,008 | 1,910 | 2,106 | 10.26% |
| 其他綜合損益 | (487) | 168 | 34 | 110 | 371 | 237.27% |
| 本年度綜合損益總額 | 3,028 | 3,801 | 4,042 | 2,020 | 2,477 | 22.62% |
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目錄
■ 營運摘要 ■ 營運概況 ■ 財務資訊 ■ 附錄
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信用評等
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Fitch Ratings 長期 短期 展望 國內評等 A- (twn) F1 (twn) 穩定 ~~2018~~ 國際評等 ~~年上半年營運亮點~~ BB+ B 穩定 個別實力評等 bb+ 支援評等 4
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83家
分行
吉隆坡
納閩島
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2019年4月燕巢分行開業 大台北：12家分行
(台北及新北，不含OBU分行) 桃竹苗：11家分行 中台灣：49家分行 (台中、彰化及南投) 南台灣：10家分行 (雲林、嘉義、台南及高雄) 海外分行：馬來西亞
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喜悅與榮耀
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榮獲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 榮獲2019財訊財富管理大獎-「最佳數位金融」及「最佳 年上半年營運亮點 公益推動」之獎項。
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榮獲2019年<卓越銀行評比民意調查>「最佳企業社會 責任獎」及「最佳客戶推薦獎」。 榮獲第3屆2019台北金鵰微電影展「網路人氣獎」及 「最佳拍攝創意」雙項大獎。
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落實金融治理、強化法令遵循
營運穩健成長、優化資產品質 2018 年上半年營運亮點 深化客戶經營、擴大客群來源 開拓國際金融版圖、強化外匯競爭優勢 精進數位金融、優化客戶體驗
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Thanks for your listening!
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