第一金控 2026Q1 法說會簡報
Company Overview
公司名稱: First Financial Holding Co., Ltd. (第一金控) 報告日期: June 2, 2026 報告期間: 2026年第一季
Disclaimer
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Financial Highlights
2026年第一季最佳表現 (業務摘錄)
- 獲利創同期新高: 受惠於銀行與證券子公司成長動能，第一金本季稅後淨利年增26.5%達NT$82.44億元。
- 旗艦子公司第一銀行獲利年增11.7%達NT$75.73億元。
- 第一金證券子公司獲利年增325.8%達NT$5.11億元。
- 整體非銀行子公司之獲利貢獻佔比由去年之9%提升至12%。
- 銀行獲利動能: 由淨利息收益與淨手收攀升所帶動。
- 1Q26淨利息收入年增22.3%，淨手收年增13.7%，充分抵銷換匯交易(SWAP)收益之下滑。
- 資產品質維持良好，逾放比為0.16%，覆蓋率升至865.23%。
- 放款成長強勁: 總放款在科技業熱潮帶動下年增10.8%。
- 中小企業放款年增8.2%。
- 外幣放款年增17.3%。
- 大企業放款年增10.5%。
- 擬配發每股現金股利: 第一金董事會已通過2025年盈餘分配案，將提報2026年股東會核准配發現金股利每股NT$1.30元，相當於69.5%之現金股利配發率。
第一金主要財務數字 (in NT$, NT$ mn)
| 經營績效項目 | 1Q25 (IFRS4/IFRS17) | 1Q26 (IFRS17) | YoY % Change |
|---|---|---|---|
| 稅後淨利 | 6,518 | 8,244 | +26.5% |
| 綜合損益 | 8,685 | 8,768 | +1.0% |
| 總資產 | 4,787,163 | 5,146,398 | +7.5% |
| 每股盈餘 (EPS) | 0.45 | 0.57 | +26.7% |
| 每股淨值 | 19.83 | 20.70 | +4.4% |
| 股本 | 140,287 | 143,795 | +2.5% |
| 平均淨值報酬率 (ROAE) | 9.56% | 11.16% | +16.7% |
| 平均資產報酬率 (ROAA) | 0.56% | 0.64% | +14.3% |
| 集團資本適足率 | 133.09% | 128.80% | -3.2% |
| 雙重槓桿比率 | 111.61% | 114.16% | +2.3% |
| 註1: 除集團資本適足率之外,所有數字均以IFRS17為計算基礎。 | |||
| 註2: 1Q25數字以IFRS4為計算基礎,1Q26數字以IFRS17為計算基礎。 | |||
| 註3: 雙重槓桿比率= 股權投資/股東權益。 |
第一金控主要財務比率 (FFHC Key Ratios)
| 項目 (Annualized ratio) | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| After-tax ROAA | 0.52% | 0.52% | 0.56% | 0.55% | 0.56% | 0.64% | 14.3% |
| After-tax ROAE | 9.18% | 9.51% | 9.82% | 9.61% | 9.56% | 11.16% | 16.7% |
| Book Per Share | 16.95 | 18.24 | 19.10 | 20.33 | 19.83 | 20.70 | 4.4% |
| Capital Stock | 132,234 | 136,201 | 140,287 | 143,795 | 140,287 | 143,795 | 2.5% |
| Double leverage | 110.38% | 110.73% | 111.97% | 114.32% | 111.61% | 114.16% | 2.3% |
| Group CAR | 125.16% | 130.05% | 126.05% | 130.73% | 133.09% | 128.80% | -3.2% |
| Debt Ratio | 10.97% | 11.45% | 11.80% | 13.85% | 11.86% | 15.05% | 26.9% |
| 註1: 非合併基礎。 | |||||||
| 註2: 全年數字以IFRS4為計算基礎。 | |||||||
| 註3: 年增率比較數字以IFRS17為計算基礎，惟1Q25集團資本適足率以IFRS4為計算基礎。 |
第一銀行主要財務比率 (FB Key Ratios)
| 項目 (Annualized) | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Loan to deposit spread | 1.48% | 1.34% | 1.17% | 1.15% | 1.11% | 1.19% | 7.21% |
| Net Interest Margin | 0.99% | 0.76% | 0.67% | 0.72% | 0.67% | 0.77% | 14.93% |
| Cost to income ratio | 44.44% | 44.84% | 44.38% | 43.33% | 45.35% | 41.25% | -9.04% |
| Loan to deposit ratio | 70.60% | 69.08% | 71.11% | 70.47% | 70.68% | 73.93% | 4.60% |
| NPL ratio | 0.18% | 0.17% | 0.17% | 0.17% | 0.17% | 0.16% | -5.88% |
| Domestic NPL ratio | 0.19% | 0.14% | 0.12% | 0.14% | 0.14% | 0.10% | -28.57% |
| Overseas NPL ratio | 0.10% | 0.35% | 0.42% | 0.33% | 0.34% | 0.44% | 29.41% |
| Coverage ratio | 709.24% | 826.96% | 819.77% | 862.04% | 801.27% | 865.23% | 7.98% |
| CAR | 13.76% | 14.56% | 14.45% | 15.46% | 15.30% | 15.33% | 0.20% |
| Tier-1 | 11.80% | 12.61% | 12.29% | 13.22% | 13.11% | 13.15% | 0.31% |
| ROAA | 0.53% | 0.52% | 0.54% | 0.55% | 0.60% | 0.60% | 0.00% |
| ROAE | 8.95% | 8.89% | 8.99% | 8.79% | 9.68% | 9.72% | 0.41% |
Business Segments
第一金控獲利組合 (in NT$ mn) (1Q26)
- 銀行: NT$7,573 (87.5%)
- 證券: NT$511 (5.9%)
- 其他 (創投+管顧): NT$260 (3.0%)
- 人壽: NT$153 (1.8%)
- 投信: NT$78 (0.9%)
- AMC: NT$78 (0.9%)
子公司獲利表現 (稅後淨利 in NT$ mn)
| 子公司 | 1Q25 (IFRS17) | 1Q26 (IFRS17) | YoY % Change |
|---|---|---|---|
| 第一銀行 | 6,778 | 7,573 | +11.7% |
| 第一金證券 | 120 | 511 | +325.8% |
| 第一金投信 | 43 | 78 | |
| 第一金人壽 | -173 | 153 | |
| 第一金AMC | 49 | 78 | |
| 第一金控 | 6,518 | 8,244 | +26.5% |
| 註1: 僅列五家主要子公司。 | |||
| 註2: 1Q25之金控及人壽數字以IFRS17為計算基礎。 |
第一銀行放款結構 (in NT$ bn)
總放款 (1Q25 vs 1Q26):
- 1Q25: NT$2,671.3 bn
- 1Q26: NT$2,959.9 bn (+10.8%)
放款結構佔比 (1Q25 vs 1Q26):
| 項目 | 1Q25 | 1Q26 | Change |
|---|---|---|---|
| 消金放款 | 31.3% | 30.6% | -0.7% |
| 房貸 | 27.4% | 26.1% | -1.3% |
| 其他消金 | 3.9% | 4.5% | +0.6% |
| 法金放款 | 68.7% | 69.4% | +0.7% |
| 大企業放款 | 12.8% | 12.8% | 0.0% |
| 中小企業放款 | 35.8% | 34.9% | -0.9% |
| 外幣放款 | 17.2% | 18.2% | +1.0% |
| --- 海外分行 | 12.3% | 12.3% | 0.0% |
| 政府公營 | 2.9% | 3.5% | +0.6% |
| 總放款 | 100.0% | 100.0% | |
| 註1: 總放款不含催收款。 | |||
| 註2: 中小企業放款依經濟部”中小企業認定標準”。 | |||
| 註3: 其他包含其他消費性貸款及政府及公營事業放款。 |
總放款結構 (in NT$ bn) 1Q25 vs 1Q26:
- 房屋貸款: 731.6 -> 771.9 (+5.5%)
- 大企業放款: 342.8 -> 378.9 (+10.5%)
- 中小企業放款: 954.8 -> 1,032.8 (+8.2%)
- 外幣放款: 458.4 -> 537.8 (+17.3%) (其中海外分行: 327.3 -> 364.9, +11.5%)
- 其他: 183.7 -> 238.5
一銀季度放款成長 (in NT$ bn) (QoQ):
- 總放款: 1Q25 (2,671.3) -> 2Q25 (2,655.4) -> 3Q25 (2,744.1) -> 4Q25 (2,808.3) -> 1Q26 (2,959.9) (+5.4% QoQ)
- 房屋貸款: +1.5% QoQ
- 中小企業放款: +1.5% QoQ
- 大企業放款: +0.4% QoQ
- 外幣放款: +11.3% QoQ
第一銀行存款結構 (in NT$ bn)
存款結構 (1Q25 vs 1Q26):
- 新台幣存款: 2,630.8 -> 2,821.0 (+7.2%)
- 外幣存款: 1,115.3 -> 1,143.8 (+2.6%)
- 總存款: 3,964.8 bn (+5.8% YoY)
新台幣活存比結構:
- 2024: 62.75%
- 1H25: 61.82%
- 2025: 62.13%
- 1Q26: 62.03%
第一銀行特定產業貸放集中度
- 製造業 (23.04%):
- 塑化: 3.98%
- 金屬: 5.10%
- 電子資訊: 5.47%
- 機械: 3.72%
- 非製造業 (76.96%):
- 營造: 3.01%
- 批發零售: 9.78%
- 不動產: 10.70%
- 運輸倉儲: 2.94%
- 金融及保險: 5.51%
第一銀行房貸分析
房貸利率 & 房貸成數比 (1Q25 vs 1Q26):
- 平均房貸利率: 2.28% -> 2.31%
- 新承作房貸成數: 64.87% -> 65.03%
- 平均房貸成數: 48.83% -> 48.95%
房貸區域分析 (1Q26):
- 房貸逾放比: 0.07%
- 北北基: 43.2%
- 桃竹苗: 19.9%
- 中彰投: 12.7%
- 雲嘉南: 10.0%
- 高屏: 11.3%
- East Area: 2.9%
單月新承作房貸金額 (in NT$ mn):
- 1Q26總計: 32,415
- 1M26: 13,162
- 2M26: 8,437
- 3M26: 10,816
第一銀行淨手續費結構
累積淨手續費收益 (in NT$ mn) (1Q25 vs 1Q26):
- 1Q25: 3,323
- 1Q26: 3,779 (+13.7%)
淨手續費結構佔比 (1Q25 vs 1Q26):
| 項目 | 1Q25 | 1Q26 | Change |
|---|---|---|---|
| 財富管理 | 68.8% | 70.9% | +2.1% |
| 放款相關 | 19.6% | 17.2% | -2.4% |
| 外匯 | 5.0% | 4.2% | -0.8% |
| 信用卡 | 2.6% | 3.0% | +0.4% |
| 其他 | 4.0% | 4.7% | +0.7% |
| 淨手續費收益 | 100.0% | 100.0% | |
| 註1: 財富管理手續費收入 = 基金銷售+銀行保險+保管。 | |||
| 註2: 分行(含海外分行)通路手續費。 |
累積淨手續費收益結構 (in NT$ mn) (1Q25 vs 1Q26):
- 財富管理: 2,287 -> 2,678 (+17.1%)
- 放款相關: 650 -> 649
- 外匯: 167 -> 159
- 信用卡: 87 -> 115
- 其他: 132 -> 178
季度淨手續費收益 (in NT$ mn) (QoQ):
- 每季淨手續費收益: 1Q25 (3,323) -> 2Q25 (3,174) -> 3Q25 (3,187) -> 4Q25 (3,375) -> 1Q26 (3,779) (+12.0% QoQ)
- 財富管理 (總計): 1Q25 (1,219) -> 1Q26 (1,345)
- 基金銷售: 902 -> 1,128 (+16.3% QoQ)
- 銀行保險: (無1Q25數據) -> 1,345 (+15.1% QoQ)
- 放款相關: 166 -> 173
- 外匯相關: 650 -> 649
- 信用卡: 167 -> 159
- 其他: 132 -> 178
第一銀行海外業務盈餘
海外分行稅前獲利分析 (1Q26):
- OBU/大中華: 57.13%
- 北美: 18.76%
- 東協: 7.82%
- 其他: 16.29%
- 海外稅前獲利總計: NT$ 2,467mn
全行稅前獲利分析 (1Q26):
- 國內市場: 73.12%
- OBU/大中華: 15.36%
- 其它海外地區: 11.52%
- 全行稅前獲利總計: NT$ 9,178mn
季度海外稅前獲利佔比分析 (in NT$ mn):
- 累積海外稅前獲利/一銀全行累積稅前獲利: 4Q24 (27.67%) -> 1Q25 (26.73%) -> 2Q25 (26.93%) -> 3Q25 (28.66%) -> 4Q25 (29.55%) -> 1Q26 (26.88%)
- 海外稅前獲利: 4Q24 (2,662) -> 1Q26 (2,467)
- 全行稅前獲利: 4Q24 (5,569) -> 1Q26 (9,178)
Operating Results
第一金稅後淨利與綜合損益 (in NT$ mn)
| 項目 | 1Q25 (IFRS17) | 1Q26 (IFRS17) | YoY % Change |
|---|---|---|---|
| 淨收益 | 16,346 | 19,297 | +18.1% |
| 呆帳準備 | (71) | (899) | |
| 保險準備 | (59) | (187) | |
| 營業費用 | (8,010) | (8,175) | |
| 所得稅 | (1,688) | (1,792) | |
| 淨利 | 6,518 | 8,244 | +26.5% |
| 綜合損益 | 8,685 | 8,768 | |
| 註1: 1Q25之金控及人壽數字以IFRS17為計算基礎。 |
第一銀行稅前獲利結構 (in NT$ mn)
累積淨收益 (1Q25 vs 1Q26):
- 1Q25: 15,595
- 1Q26: 17,104 (+9.7%)
一銀各項淨收益及費用佔比分析 (1Q25 vs 1Q26):
| 項目 | 1Q25 | 1Q26 | Change |
|---|---|---|---|
| 淨利收 | 45.7% | 50.9% | +5.2% |
| 淨手續費收益 | 21.3% | 22.1% | +0.8% |
| 投資收益/短投 | 0.1% | 1.4% | +1.3% |
| 投資收益/長投 | 0.7% | 0.8% | +0.1% |
| 投資收益/其他金融商品 | 30.6% | 21.4% | -9.2% |
| 其他 | 1.6% | 3.4% | +1.8% |
| 淨收益 | 100.0% | 100.0% | |
| 呆帳費用(淨額) | -0.4% | -5.1% | -4.7% |
| 營業費用 | -45.4% | -41.2% | +4.2% |
| 稅前獲利 | 54.2% | 53.7% | -0.5% |
稅前獲利結構 (in NT$ mn) (1Q25 vs 1Q26):
- 淨利收: 7,119 -> 8,710 (+22.3%)
- 淨手收: 3,323 -> 3,778 (+13.7%)
- 金融商品收益: 4,897 -> 4,039 (-17.5%)
- 呆帳費用(毛額): 1,050 -> 1,514
- 呆帳收回: 982 -> 644
- 營業費用: 7,072 -> 7,056 (-0.2%)
第一銀行存放款利率及利差
一銀台幣利率及利差分析 (1Q25 vs 1Q26):
- 存款利率(台幣): 1.09% -> 1.09%
- 放款利率(台幣): 2.35% -> 2.35%
- 利差(台幣): 1.26% -> 1.26%
一銀外幣利率及利差分析 (1Q25 vs 1Q26):
- 存款利率(外幣): 3.49% -> 2.91%
- 放款利率(外幣): 5.57% -> 4.88%
- 利差(外幣): 2.08% -> 1.97% 以上利率均為季度加權平均數字。
第一銀行營業費用 (in NT$ mn)
累積營業費用 (1Q25 vs 1Q26):
- 1Q25: 7,072
- 1Q26: 7,056 (-0.2%)
營業費用 (in NT$ mn) (1Q25 vs 1Q26):
| 項目 | 1Q25 | 1Q26 |
|---|---|---|
| 淨收益 | 15,595 | 17,104 |
| 營業費用 | (7,072) | (7,056) |
| 呆帳費用(淨) | (68) | (870) |
| 所得稅 | (1,677) | (1,605) |
| 淨利 | 6,778 | 7,573 |
季度營業費用 & 累積營業費用佔比 (in NT$ mn):
- 累積營業費用佔比: 3Q24 (42.56%) -> 4Q24 (44.38%) -> 1Q25 (45.35%) -> 2Q25 (43.98%) -> 3Q25 (43.01%) -> 4Q25 (43.33%) -> 1Q26 (41.25%)
- 淨利收: 3Q24 (17,461) -> 1Q26 (17,104)
- 營業費用: 3Q24 (6,928) -> 1Q26 (7,056)
第一銀行資產品質 (in NT$ mn)
逾放金額,呆帳提存準備,覆蓋率,逾放比 (3Q24-1Q26):
- 覆蓋率: 3Q24 (769.77%) -> 1Q26 (865.23%)
- 逾放比: 3Q24 (0.18%) -> 1Q26 (0.16%)
- 逾放金額: 3Q24 (35,170) -> 1Q26 (40,147)
- 呆帳提存準備: 3Q24 (4,569) -> 1Q26 (4,640)
個人與房貸逾放比率 (1Q25-1Q26):
- 個人逾放比率: 0.15% -> 0.08%
- 房貸逾放比率: 0.10% -> 0.07% 註1: 個人:包含房貸及個人非房貸。
大企業與中小企業逾放比 (1Q25-1Q26):
- 大企業逾放比率: 0.01% -> 0.00%
- 中小企業逾放比率: 0.18% -> 0.17%
資本適足率與核心資本
金控集團資本適足率 (2H23-1Q26):
- 集團資本適足率: 2H23 (130.05%) -> 1Q26 (128.80%)
- 法定資本適足率: 100%
一銀資本適足率與核心資本 (2H23-1Q26):
- 一銀資本適足率: 2H23 (14.56%) -> 1Q26 (15.33%)
- 第一類資本: 2H23 (12.61%) -> 1Q26 (13.15%)
- CET 1: 2H23 (10.91%) -> 1Q26 (11.68%)
Outlook & Strategy
股利分派
第一金控每股盈餘與股利派發 (in NT$) (2021-2025):
- 每股盈餘 (EPS): 2021 (1.52) -> 2025 (1.87)
- 股利: 2021 (1.20) -> 2025 (1.30)
年度股利政策 (in NT$) (2021-2025):
| 項目 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| 現金股利 | 1.00 | 0.80 | 0.85 | 0.95 | 1.30 |
| 股票股利 | 0.20 | 0.30 | 0.30 | 0.25 | 0.00 |
| 總計股利 | 1.20 | 1.10 | 1.15 | 1.20 | 1.30 |
| 現金股利派發率 | 65.8% | 51.3% | 51.5% | 52.5% | 69.5% |
| 每股盈餘不按增資股數後調整。 |
Additional Data
FFHC Consolidated Income Statement (in NT$ million or %)
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Net interest income | 37,969 | 32,525 | 31,234 | 34,681 | 7,956 | 9,664 | 21.5% |
| Net service fee & commission | 9,409 | 10,187 | 12,782 | 13,817 | 3,680 | 4,676 | 27.1% |
| Insurance service result | 8,980 | 3,147 | 3,671 | 5,384 | 288 | 336 | 16.7% |
| Gain on financial assets meas. at fair value through P/L | 3,271 | 19,205 | 19,237 | 19,664 | 3,729 | 3,659 | -1.9% |
| Real estate investment gain | 190 | 212 | 540 | 226 | 41 | 48 | 17.1% |
| Gain on financial assets at fair value through other compre. income | 1,984 | 584 | 1,672 | 2,808 | 33 | 74 | 124.2% |
| Income from equity invest. | 76 | 155 | 127 | (22) | 25 | 41 | 64.0% |
| Excluding gain on fin. assets measured at amort.cost | (68) | (409) | (537) | (413) | |||
| Reserve of overlay approach | 237 | (235) | (441) | 713 | |||
| Net investment income/loss from separate account insurance products | 137 | (75) | -- | ||||
| Net finance income/expense from insurance contracts issued | (597) | (407) | -31.8% | ||||
| Net finance income/expense from reinsurance contracts held | (1) | (1) | 0.0% | ||||
| Net gain on F/X | 5,300 | 1,158 | 3,535 | 418 | 783 | 768 | -1.9% |
| Assets impairment loss | (6) | (50) | (155) | 120 | 91 | (9) | -- |
| Others | 414 | 776 | 454 | 198 | 181 | 523 | 189.0% |
| Net Revenue | 67,756 | 67,255 | 72,119 | 77,594 | 16,346 | 19,297 | 18.1% |
| Net Provision for credit losses | (6,577) | (5,818) | (5,763) | (6,382) | (71) | (899) | 1166.2% |
| Recovered (provided) for insurance res. | (8,906) | (2,793) | (2,614) | (4,056) | (0) | ||
| Other operating cost from insurance | (59) | (187) | 216.9% | ||||
| Operating Expense | (27,786) | (30,382) | (32,505) | (33,707) | (8,010) | (8,175) | 2.1% |
| Income from continued op. before tax | 24,487 | 28,262 | 31,237 | 33,449 | 8,206 | 10,036 | 22.3% |
| Income tax expenses | (3,891) | (5,801) | (5,878) | (6,516) | (1,688) | (1,792) | 6.2% |
| Consolidated net income | 20,596 | 22,461 | 25,359 | 26,933 | 6,518 | 8,244 | 26.5% |
| Other Items | (8,056) | 12,440 | 5,659 | 11,136 | 2,167 | 524 | -75.8% |
| Comprehensive Income | 12,540 | 34,901 | 31,018 | 38,069 | 8,685 | 8,768 | 1.0% |
| EPS (NT$) | 1.51 | 1.60 | 1.76 | 1.87 | 0.45 | 0.57 | 26.7% |
| 註1: EPS已追溯調整前一年發放的股票股利。 | |||||||
| 註2: 全年數字以IFRS4為計算基礎。 | |||||||
| 註3: 年增率比較數字以IFRS17為計算基礎。 |
FFHC Non-Consolidated Income Statement Summary (in NT$ million, NT$, or %)
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Operating revenues | 21,270 | 23,514 | 26,359 | 26,359 | 6,741 | 8,548 | 26.8% |
| Income from long-term investment | 21,094 | 23,318 | 26,124 | 26,124 | 6,739 | 8,518 | 26.4% |
| Other income | 176 | 196 | 235 | 235 | 2 | 30 | 1400.0% |
| Operating expenses | (413) | (440) | (485) | (485) | (125) | (137) | 9.6% |
| Other expenses and losses | (267) | (381) | (465) | (465) | (134) | (167) | 24.6% |
| Income from continued op. before tax | 20,590 | 22,693 | 25,409 | 25,409 | 6,482 | 8,244 | 27.2% |
| Net income | 20,596 | 22,461 | 25,359 | 25,359 | 6,518 | 8,244 | 26.5% |
| EPS (NT$) | 1.51 | 1.60 | 1.76 | 1.87 | 0.45 | 0.57 | 26.7% |
| 註1: EPS已追溯調整前一年發放的股票股利。 | |||||||
| 註2: 全年數字以IFRS4為計算基礎。 | |||||||
| 註3: 年增率比較數字以IFRS17為計算基礎。 |
FFHC Balance Sheet Summary (in NT$ million or million shares)
非合併資產負債表數據 (Non-consolidated Balance Sheet Data):
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Long-term investment | 244,673 | 271,903 | 296,683 | 330,702 | 306,986 | 336,262 | 9.5% |
| Total non-consolidated assets | 251,732 | 280,569 | 303,714 | 339,367 | 315,592 | 350,359 | 11.0% |
| Total liabilities | 27,609 | 32,125 | 35,828 | 47,000 | 37,439 | 52,713 | 40.8% |
| Total shareholders' equity | 224,123 | 248,444 | 267,886 | 292,367 | 278,153 | 297,646 | 7.0% |
合併資產負債表數據 (Consolidated Balance Sheet Data):
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Total consolidated assets | 4,157,196 | 4,429,410 | 4,704,422 | 5,041,754 | 4,787,163 | 5,146,398 | 7.5% |
| Total liabilities | 3,933,073 | 4,180,966 | 4,436,536 | 4,749,387 | 4,509,010 | 4,848,752 | 7.5% |
| Total shareholders' equity | 224,123 | 248,444 | 267,886 | 292,367 | 278,153 | 297,646 | 7.0% |
| Current shares outstanding | 132,234 | 136,201 | 140,287 | 143,795 | 140,287 | 143,795 | 2.5% |
| 註1: 全年數字以IFRS4為計算基礎。 | |||||||
| 註2: 年增率比較數字以IFRS17為計算基礎。 |
第一銀行非合併損益表 (FB Non-Consolidated Income Statement Summary in NT$ million or %)
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Net interest income | 35,001 | 29,245 | 27,888 | 31,352 | 7,119 | 8,710 | 22.3% |
| Net fee income | 8,103 | 8,919 | 11,962 | 13,059 | 3,323 | 3,778 | 13.7% |
| Net gain on ST invest. | 1,411 | 1,228 | 1,107 | 1,124 | 18 | 236 | 1211.1% |
| Net gain on LT invest. | 1,062 | 1,104 | 1,316 | 1,325 | 102 | 133 | 30.4% |
| Net gain on other fin. products | 8,518 | 17,684 | 19,814 | 19,048 | 4,777 | 3,670 | -23.2% |
| Other net income | 389 | 540 | 843 | 656 | 256 | 577 | 125.4% |
| Net revenue | 54,484 | 58,720 | 62,930 | 66,564 | 15,595 | 17,104 | 9.7% |
| Operating expenses | (24,210) | (26,329) | (27,926) | (28,843) | (7,072) | (7,056) | -0.2% |
| Pre-provision pre-tax profit | 30,274 | 32,391 | 35,004 | 37,721 | 8,523 | 10,048 | 17.9% |
| Provision expense | (9,025) | (11,305) | (9,521) | (9,270) | (1,050) | (1,514) | 44.2% |
| Adjustment: bad-debt recovery | 2,539 | 5,542 | 3,760 | 3,067 | 982 | 644 | -34.4% |
| Income before tax | 23,788 | 26,628 | 29,243 | 31,518 | 8,455 | 9,178 | 8.6% |
| Income tax | (3,460) | (5,102) | (5,437) | (5,855) | (1,677) | (1,605) | -4.3% |
| Net income | 20,328 | 21,526 | 23,806 | 25,663 | 6,778 | 7,573 | 11.7% |
| Other items | (3,946) | 8,526 | 5,336 | 5,336 | 2,236 | (339) | |
| Comprehensive income | 16,382 | 30,052 | 29,142 | 29,142 | 9,014 | 7,234 | -19.7% |
| EPS (NT$) | 1.99 | 1.95 | 1.94 | 2.09 | 0.55 | 0.62 | 12.7% |
| 註1: EPS已追溯調整前一年發放的股票股利。 |
第一銀行資產品質 (FB NPL Migration in NT$ million or %)
| 項目 | 2024 | 2025 | 2025 Q1 | 2025 Q2 | 2025 Q3 | 2025 Q4 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|---|---|
| NPL- beginning | 4,099 | 4,480 | 4,480 | 4,622 | 4,378 | 4,610 | 4,480 | 4,734 | 5.7% |
| Net new NPL influx | 6,866 | 4,617 | 871 | 957 | 1,152 | 1,637 | 871 | 2,131 | 144.7% |
| Domestic | 2,966 | 4,029 | 938 | 605 | 1,091 | 1,395 | 938 | 1,329 | 41.7% |
| Overseas | 3,900 | 588 | (67) | 352 | 61 | 242 | (67) | 802 | |
| Net write-offs | (6,485) | (4,363) | (729) | (1,201) | (920) | (1,513) | (729) | (2,225) | 205.2% |
| NPL- ending balance | 4,480 | 4,734 | 4,622 | 4,378 | 4,610 | 4,734 | 4,622 | 4,640 | 0.4% |
| Allowance for loan loss- beginning | 33,897 | 36,727 | 36,727 | 37,033 | 36,911 | 39,092 | 36,727 | 40,812 | 11.1% |
| Provisions for loan loss | 9,179 | 8,643 | 1,021 | 1,605 | 2,931 | 3,086 | 1,021 | 1,466 | 43.6% |
| Net write-offs | (6,485) | (4,363) | (729) | (1,201) | (920) | (1,513) | (729) | (2,225) | 205.2% |
| Others | 136 | (195) | 14 | (526) | 170 | 147 | 14 | 94 | 571.4% |
| Allowance for loan loss- ending | 36,727 | 40,812 | 37,033 | 36,911 | 39,092 | 40,812 | 37,033 | 40,147 | 8.4% |
| Recovery from bad debt | 3,760 | 3,067 | 982 | 549 | 915 | 621 | 982 | 644 | -34.4% |
| Domestic | 1,940 | 2,411 | 938 | 466 | 451 | 556 | 938 | 550 | -41.4% |
| Overseas | 1,765 | 589 | 28 | 66 | 446 | 49 | 28 | 77 | 175.0% |
| Credit card | 55 | 67 | 16 | 17 | 18 | 16 | 16 | 17 | 6.3% |
| 註1: 非合併基礎。 |
第一金證券營運報告 (First Sec. Income Statement Summary in NT$ million or %)
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Total operating income | 1,929 | 2,745 | 3,200 | 3,170 | 542 | 1,225 | 126.0% |
| Brokerage commission | 1,382 | 1,499 | 2,051 | 2,009 | 391 | 816 | 108.7% |
| Net interest income | 286 | 196 | 278 | 312 | 80 | 94 | 17.5% |
| Underwriting commission | 78 | 54 | 192 | 101 | 9 | 5 | -44.4% |
| Transaction gains through F/V, net | (63) | 687 | 447 | 496 | 22 | 270 | 1128.4% |
| Other operating income | 246 | 309 | 232 | 252 | 40 | 40 | 0.0% |
| Total operating expenses | (1,488) | (1,714) | (1,953) | (1,990) | (434) | (656) | 51.2% |
| Non-operating income | 74 | 114 | 117 | 149 | 30 | 41 | 36.7% |
| Income before tax | 515 | 1,145 | 1,364 | 1,329 | 138 | 610 | 342.0% |
| Income tax | (112) | (167) | (181) | (218) | (18) | (99) | 450.0% |
| Net income | 403 | 978 | 1,183 | 1,111 | 120 | 511 | 325.8% |
First Sec. Key Ratios:
| 項目 (Annualized) | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| ROAE | 5.22% | 12.26% | 13.11% | 11.53% | 5.12% | 20.12% | 293.0% |
| ROAA | 1.19% | 3.01% | 2.86% | 2.22% | 1.04% | 3.44% | 230.8% |
| Brokerage market share | 1.38% | 1.34% | 1.26% | 1.24% | 1.22% | 1.23% | 0.8% |
| Margin loan market share | 2.35% | 2.29% | 2.18% | 2.21% | 2.15% | 2.16% | 0.5% |
| 註1: 非合併基礎。 |
第一金投信營運報告 (FSITC Income Statement Summary in NT$ million or %)
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| Total operating income | 649 | 707 | 786 | 851 | 203 | 255 | 25.6% |
| Management fee | 629 | 692 | 756 | 825 | 199 | 242 | 21.6% |
| Sales service fee | 20 | 15 | 30 | 26 | 4 | 13 | 225.0% |
| Operating expenses | (552) | (571) | (609) | (637) | (151) | (160) | 6.0% |
| Non-operating income | (1) | 7 | 7 | 7 | 2 | 3 | 50.0% |
| Income before tax | 96 | 143 | 184 | 221 | 54 | 98 | 81.5% |
| Income tax | (20) | (28) | (36) | (44) | (11) | (20) | 81.8% |
| Net income | 76 | 115 | 148 | 177 | 43 | 78 | 81.4% |
FSITC Key Ratios:
| 項目 | 2022 | 2023 | 2024 | 2025 | 1Q25 | 1Q26 | Change |
|---|---|---|---|---|---|---|---|
| AUM | 100,051 | 125,552 | 141,505 | 192,357 | 146,715 | 195,547 | 33.3% |
| AUM Ranking | 15 | 14 | 14 | 13 | 14 | 13 | |
| 註1: 非合併基礎。 |
第一金人壽營運報告 (First Life Income Statement Summary in NT$ million or %)
| 項目 | 1Q25 | 1Q26 | Change |
|---|---|---|---|
| Insurance Service Result | 239 | 280 | 17.2% |
| Release of CSM | 204 | 215 | 5.4% |
| Underwriting gain/loss | 26 | 73 | 180.8% |
| Risk adjustment for non-financial risk | 22 | 12 | -45.5% |
| Net income/expense from reinsurance contracts held | (13) | (20) | 53.8% |
| Net Financial Result | (261) | 31 | |
| Net investment result | 263 | 587 | 123.2% |
| Net finance income/expense from insurance contracts issued | (523) | (555) | 6.1% |
| Net finance income/expense from reinsurance contracts held | (1) | (1) | 0.0% |
| Other Operating Result | (125) | (121) | -3.2% |
| Profit/Loss Before Tax | (147) | 190 | |
| Income tax | (26) | (37) | 42.3% |
| Net Income after tax | (173) | 153 |
Key Ratios:
| 項目 (Annualized) | 1Q25 | 1Q26 | Change |
|---|---|---|---|
| ROAE | -8.56% | 6.96% | |
| ROAA | -0.72% | 0.60% | |
| 所有數字均以IFRS17為計算基礎。 |