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T.C.C.B. — Investor Presentation 2020
Mar 27, 2020
52197_rns_2020-03-27_3d553345-9b5f-4047-9a4e-5ae796a6ed59.pdf
Investor Presentation
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2019年度法人說明會
2020年3月31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年度營運摘要
獲利情形
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稅後淨利43.2億元，較去年同期成長7.78%。
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每股稅後盈餘1.16元，較去年同期成長3.57%。
資產品質
- 逾期放款比率為0.31%、備抵呆帳覆蓋率475.54%。
資本適足率
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合併資本適足率13.91%、第一類資本率12.77%。
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個體資本適足率13.23%、第一類資本率12.64%。
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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
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(新臺幣佰萬元)
4,320
+7.78%
4,008
+10.32%
3,633
2017 2018 2019
每股盈餘
(新臺幣元)
1.18
-1.69% 1.16
+7.27%
1.10
2017 2018(註) 2019
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註：2018年追溯調整後每股盈餘為1.12元，2019年成長率為3.57%。
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(新臺幣元)
股利政策
現金股利
股票股利
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0.52 0.52
0.45
0.28 0.28
0.25
65.00% 65.00%
64.29%
35.71% 35.00% 35.00%
2017 2018 2019(註)
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| 2017 | 2018 | 2019 | |
|---|---|---|---|
| 每股股利 | 0.70 | 0.80 | 0.80 |
| 現金股利 | 0.45 | 0.28 | 0.28 |
| 股票股利 | 0.25 | 0.52 | 0.52 |
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註：2019年度實際發放金額待提股東會決議。
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獲利績效
資產報酬率(ROA)
0.64%
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0.60%
0.57%
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2017 2018 2019
淨值報酬率(ROE)
8.57% 8.79%
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8.72%
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2017
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2018
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2019
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(新臺幣佰萬元)
主要獲利動因
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2018 2019 2018 2019
YoY 4.08% YoY -1.05% YoY 16.06% YoY 9.25%
11,111
5,067
10,675
4,638
5,626 5,567
411 477
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
5,892 5,823 5,849 YoY -0.73%
QoQ 1.51%
5,760 5,762
529 535 558 外幣存款
566 583 YoY 5.48%
QoQ -4.29%
臺幣定存
2,900 2,805 2,700 2,676 2,696 YoY -7.03% 臺幣定存 臺幣活存
QoQ 0.75%
46.09% 44.37%
2,463 2,483 2,494 2,503 2,595 外幣存款
臺幣活存 9.54%
YoY 5.36%
QoQ 3.68%
存款結構4Q19
4Q18 1Q19 2Q19 3Q19 4Q19
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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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2,293 2,363 2,254
2,219 2,156
2,067
52.59% 47.41% 51.57% 48.43% 51.11% 48.89%
2017 2018 2019
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| 2017 | 2018 | 2019 | YoY | |
|---|---|---|---|---|
| 企業金融 | 2,293 | 2,363 | 2,254 | -4.61% |
| 消費金融 | 2,067 | 2,219 | 2,156 | -2.84% |
| 放款合計 | 4,360 | 4,582 | 4,410 | -3.75% |
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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%
4.45%
0.51% 0.51%
0.48%
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120
110 +9.09%
85
本國銀行
成長率
4.74%
2017 2018 2019
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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 4,031
91.56% 91.64% 91.41%
368 383 379
8.44% 8.36% 8.59%
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2017
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2018 2019
| 2017 | 2018 | 2019 | YoY | |
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| 臺幣放款 | 3,992 | 4,199 | 4,031 | -4.00% |
| 外幣放款 | 368 | 383 | 379 | -1.04% |
| 放款合計 | 4,360 | 4,582 | 4,410 | -3.75% |
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銀行放款組合
(新臺幣億元)
4,582 4,511 總放款 4,411 4,407 4,410 YoY -3.75% 購置住宅 QoQ 0.07% 及修繕 229 209 204 225 194 大型企業 12.56% 個人消費性 YoY -15.28% OBU及 2.99% QoQ -13.78% 海外分行 中小型企業 6.90% 1,842 1,782 YoY -4.67% 1,722 1,708 1,756 QoQ 2.81% 其他個人 OBU及海外分行 貸款 (註) YoY 3.75% 33.33% 293 311 314 302 304 QoQ 0.66% 中小型 購置住宅及修繕 企業 570 567 561 557 554 YoY -2.81% QoQ -0.54% 39.82% 120 122 125 128 132 個人消費性 YoY 10.00% 大型企業 QoQ 3.13% 1,528 1,520 1,485 1,487 1,470 4.40% 其他個人非消費性 YoY -3.80% QoQ -1.14% 放款結構4Q19 4Q18 1Q19 2Q19 3Q19 4Q19
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14 註：2019/12放款餘額OBU為287億元及海外分行為17億元。
銀行放款擔保品別
(新臺幣億元)
無擔保 有擔保
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3,877
3,746
3,648
83.67% 84.61% 84.94%
712 705 664
16.33% 15.39% 15.06%
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| 2017 2018 2019 |
2017 2018 2019 |
2017 2018 2019 |
2017 2018 2019 |
2017 2018 2019 |
|---|---|---|---|---|
| 2017 | 2018 | 2019 | YoY | |
| 無擔保 | 712 | 705 | 664 | -5.82% |
| 有擔保 | 3,648 | 3,877 | 3,746 | -3.38% |
| 不動產擔保 | 3,321 | 3,536 | 3,437 | -2.80% |
| 保證函擔保 | 170 | 164 | 149 | -9.15% |
| 其他 | 157 | 177 | 160 | -9.60% |
| 合計 | 4,360 | 4,582 | 4,410 | -3.75% |
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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
78.48%
77.79%
77.34% 77.38%
76.40%
77.92%
77.48%
76.57% 76.49%
75.59%
74.40%
72.34%
69.58%
68.54%
67.91%
4Q18 1Q19 2Q19 3Q19 4Q19
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銀行存放利差
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總存放利差
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臺幣存放利差
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外幣存放利差
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2.44%
2.38%
2.34%
2.11% 2.10%
1.77%
1.76% 1.76%
1.75% 1.75%
1.74%
1.72%
1.71%
1.70%
1.69%
4Q18 1Q19 2Q19 3Q19 4Q19
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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
1.24% 1.21% 1.20% 1.20% 1.19%
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孳息資產均額
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6,436 6,430 6,406 6,380
6,322
4Q18 1Q19 2Q19 3Q19 4Q19
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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
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營業費用
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成本效率比率
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57.50%
53.66% 54.08% 52.78%
50.57% 49.54%
46.86% 46.63%
2,717 2,756 2,743 2,809 2,740 2,772 2,790
2,459
1,414 1,374 1,479 1,359 1,519 1,284 1,463 1,301
1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19
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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
-0.27%
0.58%
0.45%
0.42% 0.42%
0.37% 0.37%
0.31%
2,501
2,054
1,845
1,842
1,655 1,645
1,382
4Q16 2Q17 4Q17 2Q18 4Q18 2Q19 4Q19
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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
+226.6%
475.54%
403.68%
378.28%
344.14% 343.87%
317.95%
248.94%
6,643
6,573
6,532
6,338 6,345
6,260
6,227
4Q16 2Q17 4Q17 2Q18 4Q18 2Q19 4Q19
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手續費收入組合
(新臺幣佰萬元)
手續費收入 YoY -3.79% 797 807 824 YoY -3.51% 769 752 QoQ -6.67% 3,276 3,152 86 83 97 其他 86 85 其他手續費收入 359 340 YoY -12.37% 154 151 QoQ -1.16% 169 620 142 172 619 放款手續費收入 放款 YoY 1.78% 184 QoQ 11.69% 183 266 809 221 901 230 信託手續費收入 信託 YoY 25.68% QoQ -13.53% 389 348 保險及證券 保險及 303 318 手續費收入 1,488 1,292 282 證券 YoY -18.97% QoQ -11.32% 4Q18 1Q19 2Q19 3Q19 4Q19 2018 2019
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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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554 568 財富管理手續費收入
YoY -3.70% YoY -5.18%
508
514 495 QoQ -12.85%
2,241
2,125
117
161
113
基金
143 567
146 YoY 29.20%
567
QoQ -9.32%
基金
保險及證券
318
348 389 YoY -18.97%
303 282 QoQ -11.32% 1,488 1,292 保險及
證券
其他金融商品
YoY 24.07 %
89 QoQ -24.72% 其他金
54 48 62 67 186 266 融商品
4Q18 1Q19 2Q19 3Q19 4Q19 2018 2019
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子公司收益佔比
(新臺幣佰萬元)
| 稅後淨利 | 2018 | 2019 | YoY |
|---|---|---|---|
| 台中銀行 | 3,566 | 3,753 | 5.24% |
| 子公司 | 442 | 567 | 28.28% |
| 合計 | 4,008 | 4,320 | 7.78% |
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子公司
11.04%
台中銀行
88.96%
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2018獲利組合
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子公司
13.12%
台中銀行
86.88%
2019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
+2.78%
13.91%
13.63%
13.01%
12.68%
12.41%
11.13%
12.77%
12.48%
11.79%
11.15% 10.99%
9.46%
1H17 2017 1H18 2018 1H19 2019
個體
資本適足率 第一類資本比率 BIS
+2.74%
13.23%
12.98%
12.35%
12.01%
11.75%
10.49%
12.64%
12.37%
11.65%
10.98% 10.82%
9.27%
1H17 2017 1H18 2018 1H19 2019
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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)
| 2017 | 2018 | 2019 | YoY | |
|---|---|---|---|---|
| 資產 | ||||
| 現金及存放銀行同業 | 44,066 | 46,740 | 44,134 | -5.58% |
| 金融商品投資 | 158,984 | 163,891 | 173,347 | 5.77% |
| 貼現及放款-淨額 | 429,656 | 451,729 | 434,469 | -3.82% |
| 應收款項-淨額 | 6,329 | 5,028 | 4,064 | -19.17% |
| 採用權益法之投資-淨額 | 4,735 | 5,225 | 5,491 | 5.09% |
| 不動產及設備-淨額 | 9,296 | 9,368 | 10,620 | 13.36% |
| 其他資產 | 3,424 | 2,178 | 2,898 | 33.06% |
| 資產總計 | 656,490 | 684,159 | 675,023 | -1.34% |
| 負債 | ||||
| 存款及匯款 | 567,256 | 589,243 | 584,866 | -0.74% |
| 其他負債 | 45,832 | 47,092 | 38,848 | -17.51% |
| 負債總計 | 613,088 | 636,335 | 623,714 | -1.98% |
| 權益總計 | 43,402 | 47,824 | 51,309 | 7.29% |
| 負債及權益總計 | 656,490 | 684,159 | 675,023 | -1.34% |
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台中銀行簡明綜合損益表(個體)
(新臺幣佰萬元)
| 2017 | 2018 | 2019 | YoY | |
|---|---|---|---|---|
| 利息淨收益 | 7,823 | 7,991 | 7,902 | -1.11% |
| 手續費淨收益 | 1,554 | 1,793 | 1,926 | 7.42% |
| 其他淨收益 | 971 | 891 | 1,283 | 44.00% |
| 淨收益合計 | 10,348 | 10,675 | 11,111 | 4.08% |
| 營業費用 | (5,131) | (5,626) | (5,567) | -1.05% |
| 提存前盈餘 | 5,217 | 5,049 | 5,544 | 9.80% |
| 呆帳費用 | (947) | (411) | (477) | 16.06% |
| 繼續營業單位稅前淨利 | 4,270 | 4,638 | 5,067 | 9.25% |
| 所得稅費用 | (637) | (630) | (747) | 18.57% |
| 本年度稅後淨利 | 3,633 | 4,008 | 4,320 | 7.78% |
| 其他綜合損益 | 168 | 34 | 153 | 350.00% |
| 本年度綜合損益總額 | 3,801 | 4,042 | 4,473 | 10.66% |
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台中銀行簡明資產負債表(合併)
(新臺幣佰萬元)
| 2017 | 2018 | 2019 | YoY | |
|---|---|---|---|---|
| 資產 | ||||
| 現金及存放銀行同業 | 45,123 | 47,644 | 45,237 | -5.05% |
| 金融商品投資 | 159,651 | 165,027 | 174,356 | 5.65% |
| 貼現及放款-淨額 | 430,858 | 452,595 | 435,398 | -3.80% |
| 應收款項-淨額 | 13,658 | 12,781 | 12,820 | 0.31% |
| 採用權益法之投資-淨額 | 128 | 153 | 157 | 2.61% |
| 不動產及設備-淨額 | 9,388 | 9,447 | 10,684 | 13.09% |
| 其他資產 | 4,218 | 3,185 | 4,037 | 26.75% |
| 資產總計 | 663,024 | 690,832 | 682,689 | -1.18% |
| 負債 | ||||
| 存款及匯款 | 566,095 | 587,968 | 583,322 | -0.79% |
| 其他負債 | 53,527 | 55,040 | 48,058 | -12.69% |
| 負債總計 | 619,622 | 643,008 | 631,380 | -1.81% |
| 權益總計 | 43,402 | 47,824 | 51,309 | 7.29% |
| 負債及權益總計 | 663,024 | 690,832 | 682,689 | -1.18% |
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台中銀行簡明綜合損益表(合併)
(新臺幣佰萬元)
| 2017 | 2018 | 2019 | YoY | |
|---|---|---|---|---|
| 利息淨收益 | 8,186 | 8,434 | 8,351 | -0.98% |
| 手續費淨收益 | 2,449 | 2,846 | 2,913 | 2.35% |
| 其他淨收益 | 760 | 409 | 831 | 103.18% |
| 淨收益合計 | 11,395 | 11,689 | 12,095 | 3.47% |
| 營業費用 | (5,915) | (6,457) | (6,273) | -2.85% |
| 提存前盈餘 | 5,480 | 5,232 | 5,822 | 11.28% |
| 呆帳費用 | (1,125) | (472) | (615) | 30.30% |
| 繼續營業單位稅前淨利 | 4,355 | 4,760 | 5,207 | 9.39% |
| 所得稅費用 | (722) | (752) | (887) | 17.95% |
| 本年度稅後淨利 | 3,633 | 4,008 | 4,320 | 7.78% |
| 其他綜合損益 | 168 | 34 | 153 | 350.00% |
| 本年度綜合損益總額 | 3,801 | 4,042 | 4,473 | 10.66% |
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目錄
■營運摘要 ■營運概況 ■財務資訊 ■附錄
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83家 分行
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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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吉隆坡
納閩島
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榮耀與肯定
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連續5年榮獲財團法人金融聯合徵信中心「績優機構金安獎」。
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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」。 獲頒財金資訊股份有限公司「電子金融業最佳服務創新獎」。 2018 年上半年營運亮點 榮獲教育部「體育推手獎」-贊助類銀質獎。 榮獲2019 <財訊>財富管理大獎- 「最佳數位金融」及「最佳公益推動」之獎項。 榮獲2019年<卓越銀行評比>「最佳企業社會責任獎」及「最佳客戶推薦獎」。 榮獲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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2020
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望
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強化法令遵循觀念，落實洗錢防制機制 健全資本管理風險，優化授信資產品質 2018 鞏固核心競爭優勢，開拓國際金融版圖 年上半年營運亮點 深耕利基產品業務，發展多元獲利引擎 掌握金融科技商機，創新營運數位轉型 培育多核心金融人才，厚植人力資本
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Thanks for your listening!
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