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TFMI — Interim / Quarterly Report 2018
Dec 4, 2018
52200_rns_2018-12-04_2f28e919-6f8e-4b34-8e56-d20230307453.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，應參考本公司向主管機關所申報公開且完整的各項財務業務訊 息，本公司會盡力確保簡報內容的正確性、完整性與精確度，但本 公司並不保證所有資料皆準確無誤，簡報公開後，本公司亦不負有 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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2018年前三季經營概況
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� 稅後淨利5.35億元，較去年同期下降25.8%；
。
EPS 1.48元；ROA 2.97%；ROE 6.29%
� 自留滿期保費收入較去年增長3.8%；
。
損防控管得宜，自留綜合率持續下滑至 91.3%
� 淨投資損益較去年下降36% ；
股票資本利得下降；固定收益收入增加。
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產業經營環境
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�
新車銷售衰退，車險市場競爭加劇；責任險受惠政策引導，
成長潛力大。
� 全球貿易戰議題影響，金融市場波動性增加，不利投資效
益產生。
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展望與經營策略
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- 提升市場地位，增加自留保費，深耕利基險種。3
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資產負債簡表
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| 千元/新台幣 | 2018/9/30 % |
2017/12/31 % |
2017/9/30 % |
|---|---|---|---|
| 現金及約當現金 | 3,753,055 20.7% |
3,338,629 18.6% |
3,943,045 21.9% |
| 應收款項 | 711,963 3.9% |
710,462 4.0% |
560,570 3.1% |
| 投資 | 10,517,880 58.0% |
10,690,130 59.5% |
10,198,134 56.8% |
| 再保險合約資產 | 2,045,995 11.3% |
2,127,414 11.8% |
2,176,450 12.1% |
| 不動產及設備 | 377,354 2.1% |
379,724 2.1% |
375,492 2.1% |
| 其他資產 | 693,185 3.8% |
697,980 3.9% |
692,360 3.9% |
| 資產總計 | 18,132,519 100.0% |
17,971,620 100.0% |
17,970,140 100.0% |
| 應付款項 | 895,852 4.9% |
867,408 4.8% |
864,767 4.8% |
| 保險負債 | 8,203,420 45.2% |
8,082,318 45.0% |
8,201,948 45.6% |
| 遞延所得稅負債 | 274,092 1.5% |
274,092 1.5% |
274,092 1.5% |
| 其他負債 | 108,409 0.6% |
108,176 0.6% |
105,442 0.6% |
| 負債總計 | 9,617,129 53.0% |
9,455,698 52.6% |
9,552,391 53.2% |
| 股本 | 3,622,004 20.0% |
3,622,004 20.2% |
3,622,004 20.2% |
| 資本公積 | 98,962 0.5% |
98,962 0.6% |
98,962 0.6% |
| 保留盈餘 | 5,021,604 27.7% |
4,807,126 26.7% |
4,681,267 26.1% |
| 權益總計 | 8,515,390 47.0% |
8,515,922 47.4% |
8,417,749 46.8% |
| *僅列示重大科目 | |||
| 每股淨值 | 23.51 | 23.51 | 23.24 |
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| 千元/新台幣 | 2018/1/1 ~ 2018/9/31 |
YoY | 2017/1/1 ~ 2017/9/31 |
|
| 簽單保費收入 | 4,526,045 | 2.7% | 4,408,829 | |
| 自留滿期保費收入 | 3,195,240 | 3.8% | 3,077,819 | |
| 淨投資損益 | 348,005 | (36.0%) | 543,818 | |
| 營業利益 | 622,499 | (21.2%) | 790,099 | |
| 稅後淨利 | 535,480 | (25.8%) | 722,075 | |
| 其他綜合損益 | (61,925) | 169,767 | ||
| 每股盈餘 | 1.48 | (25.6%) | 1.99 | |
| 淨投資損益 | ||||
| 利息收入 | 77,582 | 29.4% | 59,957 | |
| 透過損益按公允價值衡量之損益 | 81,204 | (67.8%) | 252,408 | |
| 備供出售金融資產之已實現損益 | 108,848 | |||
| 以成本衡量之已實現損益 | 16,404 | |||
| 透過其他綜合損益按公允價值衡量之已實現損益 | 109,742 | |||
| 採用權益法之關聯企業及合資損益之份額 | 5,228 | (1,368) | ||
| 兌換損益－投資 | 462 | (9,058) | ||
| 投資性不動產損益 | 73,667 | (36.8%) | 116,627 | |
| 投資之預期信用減損損失與迴轉利益 | 120 |
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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
2013 2014 2015 2016 2017 20183Q
簽 單 保 費 4,936,550 5,074,207 5,322,126 5,563,869 5,894,232 4,526,045
自留滿期保費 3,317,902 3,555,078 3,761,526 4,016,403 4,130,752 3,195,240
單位：千元/ 新台幣
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業務分布
2017年
2018年第三季
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單位：百萬元/ 新台幣
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- *其他財產保險包括工程險、責任險、信 用保證保險、傷害險、健康險、其他。
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自留綜合率
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自留綜合率 自留滿期損失率 自留費用率
100%
90%
93.3% 94.0% 92.8% 92.1%
91.3%
80% 85.7%
70%
60% 54.7% 52.8% 54.4%
50.5%
50.5%
46.9%
50%
40%
41.2% 41.6%
38.8% 38.6% 38.4% 40.9%
30%
20%
10%
0%
2013 2014 2015 2016 2017 20183Q
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投資運用資產配置
2017年
2018年第三季
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資金運用報酬率
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RBC
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信評與公司治理
在穩健經營與客戶導向的經營政策下，本公司長期均能維持強健的資本水 準與良好的核保績效，信用評等為標準普爾(S&P)「A-」及中華信評 「twAA」展望「穩定」；本公司重視公司治理、法令遵循與企業社會責任， 並確實保障各利害關係人之權益，因此在證交所舉辦的公司治理評鑑中， 連續四年進入上市公司排名前20%。
| 評等日期 | 評等機構 | 評等結果 |
|---|---|---|
| 2017/12/20 | Standard & Poor's Rating | A-,Stable |
| 中華信用評等公司 | twAA,穩定 | |
| 2016/12//21 | Standard & Poor's Rating | A-,Stable |
| 中華信用評等公司 | twAA-,穩定 | |
| 2015/12/10 | Standard & Poor's Rating | A-,Stable |
| 中華信用評等公司 | twAA,穩定 | |
| 2014/12/15 | Standard & Poor's Rating | A-,Stable |
| 中華信用評等公司 | twAA,穩定 | |
| 2013/12/12 | Standard & Poor's Rating | A-,Stable |
| 中華信用評等公司 | twAA,穩定 |
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企業社會責任參與
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