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TFMI — Interim / Quarterly Report 2021
Jul 29, 2021
52200_rns_2021-07-29_a3494386-180b-4885-9ebc-01670c00c172.pdf
Interim / Quarterly 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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2021年上半年經營概況
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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2.65億元；EPS -0.73元；ROA -1.16%；ROE -2.83%
簽單保費收入達 53 億元，較去年同期增⻑ 58.1%；自留滿期
保費收入達 32.91 億元，較去年同期增⻑ 43% 。
扣除防疫險後，自結稅前純益為4.62億元，較去年同期3.76億
元成⻑22.8%。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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台股上半年漲幅明顯，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
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資本結構強健，償債能力無虞。3 RBC 領先同業。 3
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資產負債簡表
| 千元/新台幣 | 2021/6/30 % |
2020/12/31 % |
2020/6/30 % |
2020/6/30 % |
|---|---|---|---|---|
| 現金及約當現金 | 4,966,463 21.6% |
3,684,530 18.8% |
3,908,704 20.0% |
|
| 應收款項 | 2,119,617 9.2% |
665,460 3.4% |
728,244 3.7% |
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| 投資 | 12,363,446 53.9% |
12,096,213 61.8% |
11,583,308 59.3% |
|
| 再保險合約資產 | 2,085,385 9.1% |
1,919,371 9.8% |
2,116,946 10.8% |
|
| 不動產及設備 | 460,619 2.0% |
356,406 1.8% |
353,752 1.8% |
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| 其他資產 | 764,014 3.3% |
766,248 3.9% |
755,654 3.9% |
|
| 資產總計 | 22,943,584 100.0% |
19,580,636 100.0% |
19,526,199 100.0% |
|
| 應付款項 | 1,701,186 7.4% |
994,378 5.1% |
1,347,196 6.9% |
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| 保險負債 | 10,554,459 46.0% |
8,468,433 43.2% |
8,546,047 43.8% |
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| 遞延所得稅負債 | 264,150 1.2% |
266,669 1.4% |
268,604 1.4% |
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| 其他負債 | 919,975 4.0% |
77,924 0.4% |
82,141 0.4% |
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| 負債總計 | 13,585,577 59.2% |
10,000,103 51.1% |
10,455,861 53.5% |
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| 股本 | 3,622,004 15.8% |
3,622,004 18.5% |
3,622,004 18.5% |
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| 資本公積 | 98,962 0.4% |
98,962 0.5% |
98,962 0.5% |
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| 保留盈餘 | 5,171,168 22.5% |
5,750,823 29.4% |
5,389,545 27.6% |
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| 其他權益 | 465,874 2.0% |
108,744 0.6% |
(40,173) (0.2%) |
|
| 權益總計 | 9,358,007 40.8% |
9,580,533 48.9% |
9,070,338 | 46.5% |
| 每股淨值 | 25.84 | 26.45 | 25.04 |
註：2021年第二季為本公司自結數
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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 | 2021/01/01 ~ 2021/06/30 |
YoY | 2020/01/01 ~ 2020/06/30 |
| 簽單保費收入 | 5,299,568 | 58.1% | 3,352,291 |
| 自留滿期保費收入 | 3,291,309 | 43.0% | 2,301,066 |
| 淨投資損益 | 182,043 | 8.3% | 168,128 |
| 自留保險賠款與給付 | 1,558,097 | 36.6% | 1,140,785 |
| 佣金費用 | 873,301 | 107.0% | 421,855 |
| 保險負債淨變動 | 777,008 | 2288.1% | 32,537 |
| 營業費用 | 745,348 | 20.5% | 618,760 |
| 稅前純益 | (359,322) | 376,434 | |
| 稅後淨利 | (264,983) | 331,673 | |
| 每股盈餘 | (0.73) | 0.92 | |
| 其他綜合損益 | 440,877 | 3293.5% | 12,992 |
| *僅列示重大科目 | |||
| 淨投資損益 | |||
| 利息收入 | 53,686 | (12.6%) | 61,422 |
| 透過損益按公允價值衡量之損益 | 55,250 | 92.1% | 28,768 |
| 透過其他綜合損益按公允價值衡量之已實現損益 | 11,114 | (50.8%) | 22,582 |
| 採用權益法之關聯企業及合資損益之份額 | 35,879 | 746.2% | 4,240 |
| 兌換損益－投資 | (14,417) | (15,919) | |
| 投資性不動產損益 | 40,406 | (39.6%) | 66,952 |
| 投資之預期信用減損損失與迴轉利益 | 125 | 50.6% | 83 |
註：2021年第二季為本公司自結數
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保費收入
| 保費收入 | 保費收入 | 保費收入 | 保費收入 | 保費收入 | 保費收入 | 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 2016 2017 2018 2019 2020 2021Q2 簽單保費收入自留滿期保費收入 |
||||||
簽 單 保 費 |
5,563,869 | 5,894,232 | 6,003,141 | 6,226,661 | 6,512,206 | 5,299,568 |
| 自留滿期保費 | 4,016,403 | 4,130,752 | 4,287,054 | 4,477,228 | 4,697,513 | 3,291,309 |
| 6 單位：千元/ 新台幣 註：2021年第二季為本公司自結數 |
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2020年
業務分布
2021年第二季
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註：2021年第二季為本公司自結數
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自留綜合率
註：2021年第二季為本公司自結數
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2020/12/31
投資運用資產配置
2021/06/30
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註：2021年第二季為本公司自結數
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自有資本比率
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60%
48.91%
50% 48.12%
46.83% 46.65% 46.45%
45.33%
40%
30%
20%
10%
0%
2018/06 2018/12 2019/06 2019/12 2020/06 2020/12
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RBC
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1069%
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