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TFMI — Annual Report 2020
Jun 2, 2020
52200_rns_2020-06-02_af452e15-1fac-4677-beb5-ab51a2f0ba05.pdf
Annual Report
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免責聲明
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本份簡報由臺灣產物保險(股)公司提供，使用者在閱讀簡報資訊同 時，應參考臺灣產物保險(股)公司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，但臺灣產物保險(股)公司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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本份簡報可能包含前瞻性陳述。任何非歷史資料，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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本文件所揭露之財務資訊未完全經會計師審核或審閱。
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本文件不得視為買賣本公司有價證券之要約或要約之引導。
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營運概況
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2019年獲利較前年度明顯增長
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� 稅後淨利7.03億元，較2018年成長25.2%；
。
EPS 1.94元；ROA 3.81%；ROE 8.03%
� 自留滿期保費收入較2018年穩定增長4.4%；
損失率下降，自留綜合率下滑至 90.5%，近五年最低。
� 淨投資損益較2018年增加18.8% ；
股權、債券與不動產收益均上升。
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受疫情影響，2020年1Q獲利衰退
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� 自留滿期保費收入較去年同期增長5.9%；損失率上揚，保
。
險業務獲利較去年同期下滑13.4%
� 新冠疫情造成國際金融環境動盪，淨投資收益較去年同期
。
衰退58.7%
� 單季EPS0.36元，較去年同期下降36.8%。
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財務穩健，公司治理透明
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- 連續六屆公司治理評鑑名列前茅。3
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資產負債簡表
| 千元/新台幣 | 2020/3/31 % |
2019/12/31 % |
2018/12/31 | % |
|---|---|---|---|---|
| 現金及約當現金 | 3,217,590 17.1% |
3,415,293 18.1% |
3,237,541 | 18.0% |
| 應收款項 | 717,118 3.8% |
612,947 3.2% |
675,614 | 3.8% |
| 投資 | 11,640,285 61.8% |
11,741,232 62.2% |
11,064,690 | 61.5% |
| 再保險合約資產 | 2,022,573 10.7% |
1,919,723 10.2% |
1,888,798 | 10.5% |
| 不動產及設備 | 389,372 2.1% |
360,389 1.9% |
376,485 | 2.1% |
| 其他資產 | 775,989 4.1% |
769,169 4.1% |
702,401 | 3.9% |
| 資產總計 | 18,827,292 100.0% |
18,886,915 100.0% |
17,978,481 | 100.0% |
| 應付款項 | 1,305,048 6.9% |
984,681 5.2% |
923,186 | 5.1% |
| 保險負債 | 8,397,545 44.6% |
8,253,100 43.7% |
8,097,638 | 45.0% |
| 遞延所得稅負債 | 272,473 1.4% |
274,092 1.5% |
274,092 | 1.5% |
| 其他負債 | 73,454 0.4% |
71,432 0.4% |
109,134 | 0.6% |
| 負債總計 | 10,293,289 54.7% |
9,799,041 51.9% |
9,559,424 | 53.2% |
| 股本 | 3,622,004 19.2% |
3,622,004 19.2% |
3,622,004 | 20.1% |
| 資本公積 | 98,962 0.5% |
98,962 0.5% |
98,962 | 0.6% |
| 保留盈餘 | 5,181,968 27.5% |
5,413,849 28.7% |
5,043,571 | 28.1% |
| 權益總計 | 8,534,003 45.3% |
9,087,874 48.1% |
8,419,057 | 46.8% |
| 每股淨值 | 23.56 | 25.09 | 23.24 |
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損益簡表 – 2019年
| 千元/新台幣 | 2019/1/1 ~ 2019/12/31 |
YoY | 2018/1/1 ~ 2018/12/31 |
|
|---|---|---|---|---|
| 簽單保費收入 | 6,226,661 | 3.7% | 6,003,141 | |
| 自留滿期保費收入 | 4,477,228 | 4.4% | 4,287,054 | |
| 淨投資損益 | 427,989 | 18.8% | 360,274 | |
| 稅前純益 | 833,652 | 23.8% | 673,405 | |
| 稅後淨利 | 703,129 | 25.5% | 560,299 | |
| 其他綜合損益 | 297,722 | (183,077) | ||
| 每股盈餘 | 1.94 | 25.2% | 1.55 | |
| *僅列示重大科目 | ||||
| 淨投資損益 | ||||
| 利息收入 | 119,763 | 12.0% | 106,939 | |
| 透過損益按公允價值衡量之損益 | 65,772 | 43.9% | 45,721 | |
| 透過其他綜合損益按公允價值衡量之已實現損益 | 120,057 | 9.4% | 109,742 | |
| 採用權益法之關聯企業及合資損益之份額 | 41,438 | (8,155) | ||
| 兌換損益－投資 | (25,856) | (654.7%) | 4,661 | |
| 投資性不動產損益 | 107,150 | 5.8% | 101,306 | |
| 投資之預期信用減損損失與迴轉利益 | (335) | (658.3%) | 60 |
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損益簡表 – 2020年第一季
| 千元/新台幣 | 2020/1/1 ~ 2020/3/31 |
YoY | 2019/1/1 ~ 2019/3/31 |
|---|---|---|---|
| 簽單保費收入 | 1,769,236 | 8.2% | 1,634,949 |
| 自留滿期保費收入 | 1,151,734 | 5.9% | 1,087,524 |
| 淨投資損益 | 48,211 | (58.7%) | 116,629 |
| 稅前純益 | 163,723 | (34.5%) | 250,052 |
| 稅後淨利 | 130,320 | (36.8%) | 206,176 |
| 其他綜合損益 | (191,670) | (152.3%) | 366,694 |
| 每股盈餘 | 0.36 | (36.8%) | 0.57 |
| 淨投資損益 | |||
| 利息收入 | 31,096 | 7.2% | 28,995 |
| 透過損益按公允價值衡量之損益 | (24,471) | (180.0%) | 30,601 |
| 透過其他綜合損益按公允價值衡量之已實現損益 | |||
| 採用權益法之關聯企業及合資損益之份額 | (5,392) | (180.0%) | 21,145 |
| 兌換損益－投資 | 1,436 | (81.7%) | 7,839 |
| 投資性不動產損益 | 45,475 | 61.0% | 28,237 |
| 投資之預期信用減損損失與迴轉利益 | 67 | (188) |
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保費收入
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簽單保費收入 自留滿期保費收入
7,000,000
6,000,000
5,000,000
4,000,000
3,000,000
2,000,000
1,000,000
0
2015 2016 2017 2018 2019 20201Q
簽 單 保 費 5,322,126 5,563,869 5,894,232 6,003,141 6,226,661 1,769,236
自留滿期保費 3,761,526 4,016,403 4,130,752 4,287,054 4,477,228 1,151,734
單位：千元/ 新台幣
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業務分布
2019年
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2020年第一季
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自留綜合率
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投資運用資產配置
2019/12/31
2020/3/31
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EPS與股利
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每股盈餘 現金股利
3.5
3.0
2.5
2.0
1.5
1.0
0.5
0.0
2015 2016 2017 2018 2019
每股盈餘 3.01 1.35 2.35 1.55 1.94
現金股利 1.20 0.90 1.10 0.90 1.00
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RBC
1069%
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