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T.C.C.B. Investor Presentation 2021

May 21, 2021

52197_rns_2021-05-21_69cad64f-4fec-4d7a-b3f4-868ba0c51de3.pdf

Investor Presentation

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2021年第一季法人說明會 2021年5月24日

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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。

  • 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。

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2

目錄

■營運摘要 ■營運概況 ■財務資訊 ■附錄

3

2021年第一季營運摘要

獲利情形

  • 稅後淨利11.30億元，較去年同期成長28.41%。

  • 每股稅後盈餘0.27元，較去年同期成長17.39%。

資產品質

  • 逾期放款比率為0.22%、備抵呆帳覆蓋率646.93%。

資本適足率

  • 自結合併資本適足率13.93%、第一類資本率12.87%、普通股 權益比率10.73%。

  • 自結個體資本適足率13.38%、第一類資本率12.82%、普通股 權益比率10.87%。

4

目錄

■營運摘要 ■營運概況 ■財務資訊 ■附錄

5

獲利表現

稅後淨利

(新臺幣佰萬元)

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+28.41% 1,130
880
1Q20 1Q21
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4,320
+7.78% -6.81% 4,026
4,008
2018 2019 2020
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每股盈餘

(新臺幣元)

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+17.39%
0.27
0.23
1Q20 1Q21
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1.18 -1.69% 1.16
-11.21%
1.03
2018 2019(註) 2020
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註：2019年追溯調整後每股盈餘為1.11元，2020年成長率為-7.21%。

6

獲利績效

資產報酬率(ROA)

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0.60%
0.52%
1Q20(註) 1Q21(註)
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0.64%
0.60%
0.57%
2018 2019 2020
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淨值報酬率(ROE)
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7.80%
6.80%
1Q20(註) 1Q21(註)
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8.79% 8.72%
7.41%
2018 2019 2020
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註：為年化資訊。

7

銀行主要獲利動因

(新臺幣佰萬元)

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1Q20 1Q21 1Q20 1Q21
YoY 19.46% YoY 11.29% YoY 92.09% YoY 20.04%
3,026
2,533
1,300
1,083
1,459
1,311
267
139
淨收益 營業費用 呆帳費用 稅前淨利
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稅前淨利
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8

銀行存款組合

(新臺幣億元)

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總存款
6,382 6,416 YoY 9.15%
6,189
6,159 QoQ 0.53%
5,878
640 660 外幣存款
666 651 YoY 14.19%
578
QoQ 3.13%
2,740 2,760
臺幣定存
2,773
2,697 2,807 YoY 2.34%
QoQ 0.73%
臺幣活存
YoY 15.10%
3,002 2,996
2,603 2,686 2,765 QoQ -0.20%
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1Q20
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2Q20
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3Q20
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4Q20 1Q21
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9

(%)

銀行存款結構

臺幣活存

臺幣定存

外幣存款

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45.89% 45.58% 47.04% 46.70%
44.28% 44.68% 44.80%
43.61% 42.93% 43.02%
9.83% 10.81% 10.52% 10.03% 10.28%
1Q20 2Q20 3Q20 4Q20 1Q21
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10

銀行放款類別

(新臺幣億元)

企業金融

消費金融

2,254
2,304
2,395
2,156
2,314
2,331
51.11% 48.89%
49.89% 50.11%
50.68% 49.32%		 2,254
2,304
2,395
2,156
2,314
2,331
51.11% 48.89%
49.89% 50.11%
50.68% 49.32%		 2,254
2,304
2,395
2,156
2,314
2,331
51.11% 48.89%
49.89% 50.11%
50.68% 49.32%		 2,254
2,304
2,395
2,156
2,314
2,331
51.11% 48.89%
49.89% 50.11%
50.68% 49.32%		 2,254
2,304
2,395
2,156
2,314
2,331
51.11% 48.89%
49.89% 50.11%
50.68% 49.32%
2019
2020
1Q21
2019
2020
1Q21
QoQ
企業金融
2,254
2,304
2,395
3.95%
消費金融
2,156
2,314
2,331
0.73%
放款合計
4,410
4,618
4,726
2.34%
2019 2020 1Q21 QoQ
企業金融 2,254 2,304 2,395 3.95%
消費金融 2,156 2,314 2,331 0.73%
放款合計 4,410 4,618 4,726 2.34%

11

銀行放款幣別

(新臺幣億元)

外幣放款

臺幣放款

379
359
408
4,031
4,259
4,318
8.59%
91.41%
~~7.77%~~
92.23%
8.63%
91.37%		 379
359
408
4,031
4,259
4,318
8.59%
91.41%
~~7.77%~~
92.23%
8.63%
91.37%		 379
359
408
4,031
4,259
4,318
8.59%
91.41%
~~7.77%~~
92.23%
8.63%
91.37%		 379
359
408
4,031
4,259
4,318
8.59%
91.41%
~~7.77%~~
92.23%
8.63%
91.37%		 379
359
408
4,031
4,259
4,318
8.59%
91.41%
~~7.77%~~
92.23%
8.63%
91.37%
2019
2020
1Q21
2019
2020
1Q21
QoQ
臺幣放款
4,031
4,259
4,318
1.39%
外幣放款
379
359
408
13.65%
放款合計
4,410
4,618
4,726
2.34%
2019 2020 1Q21 QoQ
臺幣放款 4,031 4,259 4,318 1.39%
外幣放款 379 359 408 13.65%
放款合計 4,410 4,618 4,726 2.34%

12

銀行放款組合

(新臺幣億元)

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總放款
4,726 YoY 6.54%
4,618
4,561
4,436 4,534 QoQ 2.34%
191 購置住宅
189 大型企業(註1)
185
207 223 YoY -7.73% 及修繕
QoQ 1.06% 個人消費性
12.40%
OBU及 3.22%
中小型企業 海外分行
1,884 YoY 7.53%
1,834 6.77%
1,824 QoQ 2.73%
1,789
1,752
OBU及海外分行
其他個人
(註2)
YoY 2.24% 貸款
QoQ 13.88%
281 320 33.71%
306 299
313
購置住宅及修繕 中小型
573 586 YoY 6.35%
551 551 562 QoQ 2.27% 企業
141 145 150 152 39.86%
132 個人消費性
YoY 15.15%
QoQ 1.33%
大型企業
1,481 1,524 1,546 1,591 1,593 其他個人非消費性 4.04%
YoY 7.56%
QoQ 0.13%
放款結構1Q21
1Q20 2Q20 3Q20 4Q20 1Q21
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註1：2021/3放款餘額包含政府機關貸款20億元。

13

註2：2021/3放款餘額OBU為288億元及海外分行為32億元。

銀行放款擔保品別

(新臺幣億元)

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無擔保 有擔保
3,964 4,011
3,746
84.94% 85.84% 84.87%
715
664 654
15.06% 14.16% 15.13%
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2019
2020
1Q21		 2019
2020
1Q21		 2019
2020
1Q21		 2019
2020
1Q21		 2019
2020
1Q21
2019 2020 1Q21 QoQ
無擔保 664 654 715 9.33%
有擔保 3,746 3,964 4,011 1.19%
不動產擔保 3,437 3,622 3,659 1.02%
保證函擔保 149 166 168 1.20%
其他 160 176 184 4.55%
合計 4,410 4,618 4,726 2.34%

14

銀行存放比

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總存放比 臺幣存放比 外幣存放比
76.43%
75.61% 75.53%
75.07%
74.35%
75.50%
73.59% 73.68% 73.71%
72.51%
67.03%
61.88%
57.99%
56.89% 56.03%
1Q20 2Q20 3Q20 4Q20 1Q21
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15

銀行存放利差

臺幣存放利差 外幣存放利差

總存放利差

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2.20%
2.14%
2.12%
2.04%
1.92%
1.79%
1.78% 1.78%
1.76% 1.74%
1.69% [1.70%]
1.77% 1.68% [1.69%]
1.75% 1.75% 1.60%
1.59% 1.63% 1.64%
1.62%
1.73% 1.60%
1.69%
1.59% 1.58% [1.59%] 1.68% 1.67% [1.68%]
1.61% 1.62%
1.57% 1.57% 1.59% [1.62%]
1.55% 1.54% 1.55% 1.54% 1.55%
1.50%
2020/1 2020/2 2020/3 2020/4 2020/5 2020/6 2020/7 2020/8 2020/9 2020/10 2020/11 2020/12 2021/1 2021/2 2021/3
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註：為單月資訊。

16

銀行淨利息收益率

(新臺幣億元)

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NIM及孳息資產均額
NIM
1.24%
1.21%
1.18% 1.18%
1.17%
孳息資產均額
6,882
6,384 6,441 6,497 6,530
1Q20 2Q20(累計) 3Q20(累計) 4Q20(累計) 1Q21
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17

銀行營業費用佔淨收益占比

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(新臺幣佰萬元)
淨收益 營業費用 成本效率比率
56.85%
54.07%
51.76%
50.07%
48.22%
3,026
2,900
2,828
2,533 2,468
1,568
1,311 1,403 1,416 1,459
1Q20 2Q20 3Q20 4Q20 1Q21
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18
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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
-0.15%
0.45% 0.44%
0.37% 0.37%
0.31%
0.21% 0.22%
2,054 2,003
1,645
1,655
1,382
983 1,029
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 1Q21
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19

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
+268.65%
呆帳覆蓋率 備抵呆帳餘額
644.76%
646.93%
475.54%
403.68%
378.28%
317.95% 324.25%
6,643 6,654
6,573
6,532
6,494
6,335
6,260
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 1Q21
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20

手續費收入組合

(新臺幣佰萬元)

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手續費收入
YoY 11.27%
QoQ 10.19%
908
845
816
824
放款手續費收入
231 YoY 31.25%
166 QoQ 14.36%
176 660 202
176 信託手續費收入
YoY 27.38%
299
252 321 QoQ 5.25%
305
212
保險及證券
手續費收入
YoY -15.56%
QoQ 18.22%
315 301 266
225
199
其他手續費收入
YoY 23.29%
QoQ -2.17%
73 73 79 92 90
1Q20 2Q20 3Q20 4Q20 1Q21
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21

財富管理手續費收入分佈

(新臺幣佰萬元)

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583 財富管理手續費收入
561 YoY 2.19%
549
509 QoQ 10.22%
基金
158
YoY 37.89%
161 QoQ 8.29%
222
390
205
124
301 保險及證券
YoY -15.56%
315 QoQ 18.22%
266
225
199
其他金融商品
124 YoY -
73 67 79 73 QoQ -7.59%
1Q20 2Q20 3Q20 4Q20 1Q21
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22

子公司收益佔比

(新臺幣佰萬元)

稅後淨利 1Q20 1Q21 YoY
台中銀行 816 968 18.63%
子公司 64 162 153.13%
合計 880 1,130 28.41%
台中銀行
92.73%
子公司
7.27%
1Q20獲利組合
台中銀行
85.66%
子公司
14.34%
1Q21獲利組合

23

資本適足性

合併

資本適足率 第一類資本比率 普通股權益比率 BIS +0.92% 14.15% 13.91% 13.93% 13.63% 13.57% 13.01% 12.48% 12.77% 12.57% 13.08% 12.87% 11.79% 10.86% 10.73% 10.10% 10.41% 10.28% 9.49%

2018 1H19 2019 1H20 2020 1Q21(註) 個體 資本適足率 第一類資本比率 普通股權益比率 BIS +1.03% 13.60% 13.23% 13.38% 12.98% 12.94% 12.35% 13.06% 12.64% 12.82% 12.37% 12.45% 11.65% 11.03% 10.87% 10.18% 10.49% 10.34% 9.54% 2018 1H19 2019 1H20 2020 1Q21(註)

註：為自結數，未經會計師覆核。

24

目錄

■營運摘要 ■營運概況 ■財務資訊 ■附錄

25

台中銀行簡明資產負債表(個體)

(新臺幣佰萬元)

2018 2019 2020 1Q21 YTD
資產
現金及存放銀行同業 46,740 44,134 51,588 45,250 -12.29%
金融商品投資 163,891 173,347 195,628 199,227 1.84%
貼現及放款-淨額 451,729 434,469 455,442 465,972 2.31%
應收款項-淨額 5,028 4,064 3,546 4,223 19.09%
採用權益法之投資-淨額 5,225 5,491 5,440 5,606 3.05%
不動產及設備-淨額 9,368 10,620 12,277 12,362 0.69%
其他資產 2,178 2,898 3,755 3,991 6.28%
資產總計 684,159 675,023 727,676 736,631 1.23%
負債
存款及匯款 589,243 584,866 638,274 641,567 0.52%
其他負債 47,092 38,848 32,080 36,321 13.22%
負債總計 636,335 623,714 670,354 677,888 1.12%
權益總計 47,824 51,309 57,322 58,743 2.48%
負債及權益總計 684,159 675,023 727,676 736,631 1.23%

26

台中銀行簡明綜合損益表(個體)

(新臺幣佰萬元)

2018 2019 2020 1Q20 1Q21 YoY
利息淨收益 7,991 7,902 7,848 2,026 2,111 4.20%
手續費淨收益 1,793 1,926 2,117 506 649 28.26%
其他淨收益 891 1,283 764 1 266 26500.00%
淨收益合計 10,675 11,111 10,729 2,533 3,026 19.46%
營業費用 (5,626) (5,567) (5,698) (1,311) (1,459) 11.29%
提存前盈餘 5,049 5,544 5,031 1,222 1,567 28.23%
呆帳費用 (411) (477) (366) (139) (267) 92.09%
繼續營業單位稅前淨利 4,638 5,067 4,665 1,083 1,300 20.04%
所得稅費用 (630) (747) (639) (203) (170) -16.26%
本年度稅後淨利 4,008 4,320 4,026 880 1,130 28.41%
其他綜合損益 34 153 448 (39) 291 846.15%
本年度綜合損益總額 4,042 4,473 4,474 841 1,421 68.97%

27

台中銀行簡明資產負債表(合併)

(新臺幣佰萬元)

2018 2019 2020 1Q21 YTD
資產
現金及存放銀行同業 47,644 45,237 52,081 46,387 -10.93%
金融商品投資 165,027 174,356 197,275 200,885 1.83%
貼現及放款-淨額 452,595 435,398 456,541 467,165 2.33%
應收款項-淨額 12,781 12,820 13,484 15,290 13.39%
採用權益法之投資-淨額 153 157 163 168 3.07%
不動產及設備-淨額 9,447 10,684 12,333 12,415 0.66%
其他資產 3,185 4,037 4,893 5,026 2.72%
資產總計 690,832 682,689 736,770 747,336 1.43%
負債
存款及匯款 587,968 583,322 636,589 639,883 0.52%
其他負債 55,040 48,058 42,859 48,710 13.65%
負債總計 643,008 631,380 679,448 688,593 1.35%
權益總計 47,824 51,309 57,322 58,743 2.48%
負債及權益總計 690,832 682,689 736,770 747,336 1.43%

28

台中銀行簡明綜合損益表(合併)

(新臺幣佰萬元)

2018 2019 2020 1Q20 1Q21 YoY
利息淨收益 8,434 8,351 8,279 2,123 2,247 5.84%
手續費淨收益 2,846 2,913 2,906 752 849 12.90%
其他淨收益 409 831 459 (107) 192 279.44%
淨收益合計 11,689 12,095 11,644 2,768 3,288 18.79%
營業費用 (6,457) (6,273) (6,366) (1,474) (1,646) 11.67%
提存前盈餘 5,232 5,822 5,278 1,294 1,642 26.89%
呆帳費用 (472) (615) (519) (179) (320) 78.77%
繼續營業單位稅前淨利 4,760 5,207 4,759 1,115 1,322 18.57%
所得稅費用 (752) (887) (733) (235) (192) -18.30%
本年度稅後淨利 4,008 4,320 4,026 880 1,130 28.41%
其他綜合損益 34 153 448 (39) 291 846.15%
本年度綜合損益總額 4,042 4,473 4,474 841 1,421 68.97%

29

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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公布日期： 2021.04.28

Fitch Ratings 長期 短期 展望 國內評等 A (twn) F1 (twn) 穩定 ~~2018~~ ~~年上半年營運亮點~~ 國際評等 BBBF3 穩定 個別實力評等 bbb支援評等 4

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