TFMI — Interim / Quarterly Report 2021

Nov 29, 2021

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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。

• 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。

• 本文件所揭露之財務資訊未完全經會計師審核或審閱。

• 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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2021 年前三季經營概況
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 認列防疫保單銷售成本、理賠金額與賠款準備後，自行結算稅
。
後虧損為 1.09 億元； EPS -0.3 元； ROA -0.53% ； ROE -1.14%
 簽單保費收入達 69.44 億元，較去年同期增⻑ 43.4% ；自留滿
期保費收入達 50.50 億元，較去年同期增⻑ 44.7% 。
 扣除防疫險後，自結稅前純益為 7.86 億元，較去年同期 6.16
億元成⻑ 27.5% 。核保盈餘亦較去年同期增加，因為自留損失
率與費用率同步下降。
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淨投資損益較去年同期成⻑ 8.3%
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 台股前三季漲幅明顯，股權部位評價較去年同期大幅上升。
 國內外利率維持在低檔，利息收入較去年同期下滑。
 疫情造成租金收入減少，不動產收益較去年同期下滑。
 台幣持續升值，但匯損較去年同期下降。
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財務穩健，償債能力無虞
 現金部位充足，資產流動性佳。
 資本結構強健，償債能力無虞。 3
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資產負債簡表

千元/新台幣	2021/9/30 %	2020/12/31 %	2020/9/30	%
現金及約當現金	4,455,389 21.6%	3,684,530 18.8%	2,829,717	14.9%
應收款項	716,187 3.5%	665,460 3.4%	668,433	3.5%
投資	12,045,112 58.3%	12,096,213 61.8%	12,273,033	64.6%
再保險合約資產	2,074,959 10.0%	1,919,371 9.8%	1,995,434	10.5%
不動產及設備	458,173 2.2%	356,406 1.8%	354,712	1.9%
其他資產	756,549 3.7%	766,248 3.9%	808,119	4.3%
資產總計	20,647,043 100.0%	19,580,636 100.0%	19,011,873	100.0%
應付款項	1,067,343 5.2%	994,378 5.1%	877,922	4.6%
保險負債	9,597,841 46.5%	8,468,433 43.2%	8,356,645	44.0%
遞延所得稅負債	264,150 1.3%	266,669 1.4%	266,669	1.4%
其他負債	75,042 0.4%	77,924 0.4%	74,233	0.4%
負債總計	11,143,478 54.0%	10,000,103 51.1%	9,744,742	51.3%
股本	3,622,004 17.5%	3,622,004 18.5%	3,622,004	19.1%
資本公積	98,962 0.5%	98,962 0.5%	98,962	0.5%
保留盈餘	5,412,949 26.2%	5,750,823 29.4%	5,617,145	29.5%
權益總計	9,503,565 46.0%	9,580,533 48.9%	9,267,131	48.7%
每股淨值	26.24	26.45	25.59

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損益簡表	損益簡表	損益簡表	損益簡表
千元/新台幣	2021/1/1 ~ 2021/9/30	YoY	2020/1/1 ~ 2020/9/30
簽單保費收入	6,944,733	43.4%	4,844,289
自留滿期保費收入	5,050,445	44.7%	3,490,853
淨投資損益	350,260	0.6%	348,020
自留保險賠款與給付	3,335,432	90.0%	1,755,578
佣金費用	1,108,459	74.6%	634,995
保險負債淨變動	309,154	411.0%	60,500
營業費用	985,674	4.4%	943,787
稅前純益	(158,461)	(125.7%)	616,341
稅後淨利	(108,746)	(119.6%)	555,070
其他綜合損益	430,199		(13,612)
每股盈餘	(0.30)	(119.6%)	1.53
*僅列示重大科目
淨投資損益
利息收入	80,569	(11.2%)	90,726
透過損益按公允價值衡量之損益	48,669	20.2%	40,484
透過其他綜合損益按公允價值衡量之已實現損益	142,934	1.2%	141,258
採用權益法之關聯企業及合資損益之份額	34,080	261.8%	9,419
兌換損益－投資	(15,138)		(23,642)
投資性不動產損益	59,052	(34.2%)	89,704
投資之預期信用減損損失與迴轉利益	94	32.4%	71

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保費收入

簽單保費收入 自留滿期保費收入

	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3	0 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 2016 2017 2018 2019 2020 2021Q3
	簽 單 保 費	5,563,869	5,894,232	6,003,141	6,226,661	6,512,206	6,944,733
	自留滿期保費	4,016,403	4,130,752	4,287,054	4,477,228	4,697,513	5,050,445
	6 單位：千元/ 新台幣

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業務分布
2020 年 2021 年前三季
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自留綜合率

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投資運用資產配置

2021/09/30 2020/12/31

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自有資本比率

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