TFMI — Interim / Quarterly Report 2020

Nov 26, 2020

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免責聲明

• 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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營運概況

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2020年前三季經營概況
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� 稅後淨利5.55億元，較去年同期下滑4.1%；
。
EPS 1.53元；ROA 2.93%；ROE 6.05%
� 簽單保費收入達 48.44 億元，較去年同期增長 5.3%；
。
自留滿期保費收入達 34.91 億元，較去年同期增長 4.8%
� 車險與火險賠款增加，自留滿期損失率上揚；
費用率持平，自留綜合率上升。
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淨投資損益較去年同期下滑5.5%
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� 股息收入增加，惟因股市基期較高，股權評價利益較去年
同期下降。
� 新冠疫情造成租金收入下滑，但有處份不動產收益入帳，
整體不動產收益較去年同期增加。
�
存款與債券利息收入持平；台幣強升，匯損增加。
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財務穩健，公司治理透明
� 資本結構強健，償債能力無虞。
� RBC 領先同業。 3
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資產負債簡表

千元/新台幣	2020/9/30 %	2019/12/31 %	2019/9/30	%
現金及約當現金	2,829,717 14.9%	3,415,293 18.1%	3,284,162	17.7%
應收款項	668,433 3.5%	612,947 3.2%	595,138	3.2%
投資	12,273,033 64.6%	11,741,232 62.2%	11,669,819	63.1%
再保險合約資產	1,995,434 10.5%	1,919,723 10.2%	1,816,573	9.8%
不動產及設備	354,712 1.9%	360,689 1.9%	367,421	2.0%
其他資產	808,119 4.3%	769,169 4.1%	699,011	3.8%
資產總計	19,011,873 100.0%	18,886,915 100.0%	18,503,593	100.0%
應付款項	877,922 4.6%	984,681 5.2%	924,809	5.0%
保險負債	8,356,645 44.0%	8,253,100 43.7%	8,075,387	43.6%
遞延所得稅負債	266,669 1.4%	274,092 1.5%	274,092	1.5%
其他負債	74,233 0.4%	71,432 0.4%	90,489	0.5%
負債總計	9,744,742 51.3%	9,799,041 51.9%	9,558,341	51.7%
股本	3,622,004 19.1%	3,622,004 19.2%	3,622,004	19.6%
資本公積	98,962 0.5%	98,962 0.5%	98,962	0.5%
保留盈餘	5,617,145 29.5%	5,413,849 28.7%	5,292,470	28.6%
權益總計	9,267,131 48.7%	9,087,874 48.1%	8,945,252	48.3%
每股淨值	25.59	25.09	24.70

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損益簡表

千元/新台幣	2020/1/1 ~ 2020/9/30	YoY	2019/1/1 ~ 2019/9/30
簽單保費收入	4,844,289	5.3%	4,599,004
自留滿期保費收入	3,490,853	4.8%	3,332,321
淨投資損益	348,020	(5.5%)	368,146
營業利益	613,500	(10.5%)	685,852
稅後淨利	555,070	(4.1%)	578,501
其他綜合損益	(13,612)	(104.9%)	279,728
每股盈餘	1.53	(4.4%)	1.60
*僅列示重大科目
淨投資損益
利息收入	90,726	2.1%	88,849
透過損益按公允價值衡量之損益	40,484	(28.0%)	56,218
透過其他綜合損益按公允價值衡量之已實現損益	141,258	18.1%	119,562
採用權益法之關聯企業及合資損益之份額	9,419	(58.7%)	22,789
兌換損益－投資	(23,642)		(395)
投資性不動產損益	89,704	9.9%	81,610
投資之預期信用減損損失與迴轉利益	71		(487)

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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 20203Q
簽 單 保 費 5,322,126 5,563,869 5,894,232 6,003,141 6,226,661 4,844,289
自留滿期保費 3,761,526 4,016,403 4,130,752 4,287,054 4,477,228 3,490,853
單位：千元/ 新台幣
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業務分布

2019年

2020年第三季

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自留綜合率

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投資運用資產配置

2019/12/31

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2020/9/30

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自有資本比率

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RBC

1069%

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