新光金－損益表

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重要指標每月營收損益表資產負債表現金流量表股利資訊財報電子書

損益表

合併綜合損益表

第四季 (最新)

單季

(TWD千元)	2024年全年		2023年全年		2022年全年		2021年全年		2020年全年		2019年全年		2018年全年		2017年全年		2016年全年		2015年全年		2014年全年		2013年全年		2012年全年
(TWD千元)	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%
利息收入	34,239,643		33,339,817		32,362,740		27,756,329		26,321,674		28,402,264		27,659,777		24,339,502		22,326,633		21,045,153		18,386,166		15,992,714		14,526,532
利息費用	5,366,400		4,803,203		3,590,953		1,277,474		1,349,214		1,931,849		1,787,303		1,386,529		1,246,379		1,477,595		1,528,972		1,417,077		1,345,501
利息淨收益	28,873,243		28,536,614		28,771,787		26,478,855		24,972,460		26,470,415		25,872,474		22,952,973		21,080,254		19,567,558		16,857,194		14,575,637		13,181,031
利息以外淨收益
手續費及佣金淨收益	(523,024)		542,818		63,838		360,369		369,448		(1,857,947)		(2,154,016)		(1,487,953)		(2,217,046)		(694,721)		(1,333,973)		(180,709)		(82,720)
保險業務淨收益	(28,166,182)		(13,960,873)		(16,492,673)		11,880,643		24,379,889		56,000,219		40,633,756		30,904,420		31,641,996		28,013,920		11,513,842		23,177,475		12,966,574
透過損益按公允價值衡量之金融資產及負債損益	(55,681,913)		68,076,039		41,641,641		13,956,158		32,923,177		34,555,859		(35,067,745)		12,210,922		(28,686,736)		954,382		(21,630,697)		(2,908,954)		3,650,621
投資性不動產損益	3,865,938		7,169,047		(1,536,872)		1,018,920		1,067,229		982,205		897,468		883,462		869,541		9,013,329		1,025,514		1,070,333		887,673
透過其他綜合損益按公允價值衡量之金融資產已實現損益	(106,481)		108,969		(39,502)		125,576		(26,476)		329,256		161,618
除列按攤銷後成本衡量之金融資產損益	(569,917)		(1,123,446)		(252,707)		6,974,355		5,782,738		1,401,228		35,064
兌換損益	57,986,723		(79,129,758)		(55,186,155)		(8,505,912)		(26,459,704)		(42,956,184)		8,885,191
資產減損（損失）迴轉利益	(304,507)		941,801		1,508,733		(313,320)		611,519		9,296		(1,843,343)		(5,345)		0		0		(145,659)		(84,892)		2,780
採用權益法認列關聯企業及合資損益之份額	(233,513)		(10,857)		(72,284)		(85,497)		(71,157)		(69,511)		(24,692)		0		225,215		(53,979)		37,741		(4,285)		320
採用覆蓋法重分類之損益	4,748,631		(16,358,369)		(5,672,109)		(5,983,481)		(12,661,152)		(2,529,821)		18,929,948
其他利息以外淨損益	218,661		346,193		193,387		323,994		(189,062)		50,883		1,543,700		1,313,034		2,201,122		361,438		1,659,361		(18,259)		2,613,888
財產交易利益淨利益（損失）	(111,340)		(61,038)		(70,583)		(186,104)
其他什項淨利益（損失）	330,001		407,231		263,970		510,098		(188,422)				(144,329)		(47,923)		193,138		498,421		708,250		(99,425)		124,827
利息以外淨收益	(18,765,584)		(33,398,436)		(35,844,703)		19,751,805		25,726,449		45,915,483		31,996,949		30,374,290		33,589,510		31,679,649		19,873,138		27,733,814		17,096,330
淨收益	10,107,659		(4,861,822)		(7,072,916)		46,230,660		50,698,909		72,385,898		57,869,423		53,327,263		54,669,764		51,247,207		36,730,332		42,309,451		30,277,361
呆帳費用、承諾及保證責任準備提存	357,812		191,271		487,457		410,832		398,438		232,504		469,453		497,599		415,677		676,988		478,424		241,399		493,756
保險負債準備淨變動	(553,262)		(2,266,165)		(2,901,070)		36,441,349		48,794,853		70,913,414		59,037,813		46,922,823		46,247,418		40,724,613		29,104,868		36,049,734		24,329,227
營業費用
員工福利費用	5,571,759		4,786,890		3,233,938		5,170,849				4,287,797		3,629,752		3,833,766		3,260,677		3,830,975		3,962,909		4,126,603		3,868,928
折舊及攤銷費用	553,429		562,410		561,196		503,689				775,356		535,598		505,232		485,259		470,761		483,054		463,905		464,081
其他業務及管理費用	3,587,728		3,078,905		2,838,386		2,866,467				2,405,303		2,334,139		2,149,802		1,880,239		2,047,841		1,610,515		1,962,456		1,690,794
營業費用合計	9,712,916		8,428,205		6,633,520		8,541,005		7,071,614		7,468,456		6,499,489		6,488,800		5,626,175		6,349,577		6,056,478		6,552,964		6,023,803
繼續營業單位稅前淨利（淨損）	590,193		(11,215,133)		(11,292,823)		837,474		(5,565,996)		(6,228,476)		(8,137,332)		(581,959)		2,380,494		3,496,029		1,090,562		(534,646)		(569,425)
所得稅費用（利益）	(140,522)		(4,584,041)		(3,084,913)		(237,831)		(2,321,919)		(3,800,210)		847,332		964,241		657,410		(1,130,135)		(823,620)		(253,647)		234,945
繼續營業單位本期淨利（淨損）	730,715		(6,631,092)		(8,207,910)		1,075,305		(3,244,077)		(2,428,266)		(8,984,664)		382,282		3,037,904		2,365,894		266,942		(788,293)		(334,480)
本期淨利（淨損）	730,715		(6,631,092)		(8,207,910)		1,075,305		(3,244,077)		(2,428,266)		(8,984,664)		382,282		3,037,904		2,365,894		266,942		(788,293)		(334,480)
其他綜合損益
不重分類至損益之項目(稅後)
不動產重估增值	51,878		149,193		58,731		2,442,156		12,698
透過其他綜合損益按公允價值衡量之權益工具評價損益	(272,753)		4,978,101		(2,753,776)		5,689,819		3,689,935		4,020,732		(5,165,114)
與不重分類之項目相關之所得稅	104,634		513,329		(262,201)		1,137,666		499,897		503,629		(584,542)
不重分類至損益之項目總額（稅後）	316,581		4,535,704		(2,061,870)		7,458,035		3,210,464		3,711,517		(4,963,627)
後續可能重分類至損益之項目(稅後)
國外營運機構財務報表換算之兌換差額	75,075		(147,570)		(127,214)		(11,343)		(43,474)		(80,424)		35,876		(7,645)		2,807		(37,569)		129,316		29,140		(3,000)
透過其他綜合損益按公允價值衡量之債務工具損益	(2,049,247)		3,253,048		50,752,100		(510,167)		(2,813,117)		(277,340)
採用權益法認列之關聯企業及合資其他綜合損益之份額－可能重分類至損益之項目	243,543		16,929		(37,326)		(34,382)		(4,117)		2,618		(1,133)
採用覆蓋法重分類之其他綜合損益	(4,748,631)		16,358,369		5,672,109		5,983,481		12,661,152		2,529,821		(18,929,948)
與可能重分類之項目相關之所得稅	(638,461)		2,033,858		10,447,372		1,153,735		1,295,136		316,922		(3,992,765)
後續可能重分類至損益之項目總額（稅後）	(5,840,799)		17,446,918		45,812,297		4,273,854		8,505,308		1,857,753		(19,978,458)
本期其他綜合損益	(5,524,218)		21,982,622		43,750,427		11,731,889		11,715,772		5,569,270		(24,942,085)		2,406,891		170,828		6,291,157		8,864,271		3,726,059		(605,175)
本期綜合損益總額	(4,793,503)		15,351,530		35,542,517		12,807,194		8,471,695		3,141,004		(33,926,749)		2,789,173		3,208,732		8,657,051		9,131,213		2,937,766		(939,655)
淨利(淨損)歸屬
母公司業主	725,932		(6,639,946)		(8,219,033)		1,055,491		(3,259,741)		(2,443,417)		(9,002,100)		201,925		3,312,082		1,744,719		(58,402)		(982,209)		(451,245)
非控制權益	4,783		8,854		11,123		19,814		15,664		15,151		17,436		180,357		(274,178)		621,175		325,344		193,916		116,765
綜合損益總額歸屬
母公司業主	(4,797,624)		15,341,079		35,540,903		12,788,922		8,450,950		3,124,538		(33,945,861)		2,670,986		3,607,234		7,909,456		8,806,118		2,706,327		(1,095,302)
非控制股權	4,121		10,451		1,614		18,272		20,745		16,466		19,112		118,187		(398,502)		747,595		325,095		231,439		155,647
基本每股盈餘
繼續營業單位稅後淨利（淨損）	0.01		(0.43)		(0.55)		0.05		(0.26)		(0.21)		(0.87)
基本每股盈餘合計	0.01		(0.43)		(0.55)		0.05		(0.26)		(0.21)		(0.87)		0.02		0.33		0.17		(0.01)		(0.13)		(0.05)
稀釋每股盈餘
繼續營業單位稅後淨利（淨損）	0.02		(0.43)		(0.53)		0.05		(0.23)		(0.2)		(0.83)
稀釋每股盈餘合計	0.02		(0.43)		(0.53)		0.05		(0.23)		(0.2)		(0.83)		0.02		0.3		0.16		(0.02)		(0.12)		(0.05)

今年初累積至今

(TWD千元)	2024年全年		2023年全年		2022年全年		2021年全年		2020年全年		2019年全年		2018年全年		2017年全年		2016年全年		2015年全年		2014年全年		2013年全年		2012年全年
(TWD千元)	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%	金額	%
利息收入	135,343,692		131,452,391		120,790,174		108,110,074		106,593,007		112,980,638		103,772,439		93,943,443		86,649,751		79,604,332		68,733,438		61,274,675		57,445,873
利息費用	21,014,602		17,615,308		8,814,462		5,132,494		6,307,389		7,778,867		6,319,374		5,363,242		5,120,388		6,173,529		6,023,659		5,605,778		5,172,385
利息淨收益	114,329,090		113,837,083		111,975,712		102,977,580		100,285,618		105,201,771		97,453,065		88,580,201		81,529,363		73,430,803		62,709,779		55,668,897		52,273,488
利息以外淨收益
手續費及佣金淨收益	2,666,565		2,761,411		1,659,462		3,240,951		(2,235,704)		(6,531,904)		(6,062,642)		(6,454,143)		(9,027,415)		(2,989,843)		(2,587,768)		651,139		(28,023)
保險業務淨收益	(126,575,397)		(80,527,224)		(50,779,868)		76,492,995		140,228,149		156,621,148		142,910,915		141,355,051		154,479,700		122,773,940		90,603,102		63,267,521		56,034,530
透過損益按公允價值衡量之金融資產及負債損益	(77,665,028)		(2,535,248)		(182,067,993)		27,873,317		53,201,778		48,274,487		(71,167,140)		67,504,463		10,349,401		(36,350,976)		(31,686,395)		(12,364,511)		14,301,109
投資性不動產損益	7,454,646		9,478,600		(1,474,359)		6,785,605		5,993,315		3,861,956		3,582,906		3,527,255		3,545,125		12,680,824		3,956,382		11,531,745		3,469,583
透過其他綜合損益按公允價值衡量之金融資產已實現損益	6,352,197		7,074,791		6,075,957		8,528,177		9,196,946		11,670,234		25,677,857
除列按攤銷後成本衡量之金融資產損益	(3,291,099)		(3,555,020)		6,759,503		26,086,042		37,836,265		9,889,007		63,396
兌換損益	106,867,360		4,022,221		163,305,691		(41,695,810)		(72,112,156)		(31,569,805)		35,989,210
資產減損（損失）迴轉利益	641,493		708,824		(5,597,869)		(381,694)		(59,273)		308,019		(2,206,352)		(26,628)		(489,468)		241,525		(76,958)		6,416		(149,405)
採用權益法認列關聯企業及合資損益之份額	(141,182)		(184,022)		(283,838)		(214,840)		(191,682)		(127,647)		(331,643)		0		55,404		(210,250)		107,067		(5,969)		2,383
採用覆蓋法重分類之損益	9,455,315		(26,354,998)		50,580,033		6,174,115		(4,578,062)		(21,438,812)		24,518,512
其他利息以外淨損益	972,716		678,966		755,285		645,708		571,955		881,827		2,431,607		6,981,375		11,614,190		4,938,546		9,719,625		5,005,901		7,291,199
財產交易利益淨利益（損失）	(297,835)		(258,068)		(291,980)		(415,784)		(640)				1,688,029
其他什項淨利益（損失）	1,270,551		937,034		1,047,265		1,061,492		572,595				743,578		(248,454)		1,151,759		1,139,874		1,600,432		357,569		178,643
利息以外淨收益	(73,262,414)		(88,431,699)		(11,067,996)		113,534,566		167,851,531		171,838,510		155,406,626		148,635,625		152,418,004		131,541,690		122,158,570		92,327,846		81,786,305
淨收益	41,066,676		25,405,384		100,907,716		216,512,146		268,137,149		277,040,281		252,859,691		237,215,826		233,947,367		204,972,493		184,868,349		147,996,743		134,059,793
呆帳費用、承諾及保證責任準備提存	1,338,403		1,326,018		1,188,108		1,483,593		1,433,375		476,752		1,552,000		2,135,557		1,415,312		1,753,172		1,906,732		773,357		1,428,721
保險負債準備淨變動	(13,487,383)		7,277,069		67,885,956		167,175,943		231,247,233		234,264,063		214,575,601		200,585,847		204,356,270		170,892,417		147,888,852		111,848,763		99,428,528
營業費用
員工福利費用	19,395,832		16,783,735		15,462,382		18,081,361		16,825,123		15,824,929		15,161,889		14,504,739		13,931,378		14,139,803		14,867,105		13,617,229		13,059,689
折舊及攤銷費用	2,222,654		2,224,454		2,173,459		2,072,957		2,003,626		2,987,134		2,071,152		1,994,292		1,989,004		1,958,412		1,904,285		1,873,668		1,862,769
其他業務及管理費用	12,215,623		10,501,856		9,492,571		9,256,585		8,135,741		8,196,967		8,464,333		7,819,455		7,127,959		8,120,826		7,936,235		7,199,124		6,589,122
營業費用合計	33,834,109		29,510,045		27,128,412		29,410,903		26,964,490		27,009,030		25,697,374		24,318,486		23,048,341		24,219,041		24,707,625		22,690,021		21,511,580
繼續營業單位稅前淨利（淨損）	19,381,547		(12,707,748)		4,705,240		18,441,707		8,492,051		15,290,436		11,034,716		10,175,936		5,127,444		8,107,863		10,365,140		12,684,602		11,690,964
所得稅費用（利益）	(1,075,622)		(5,383,443)		2,536,552		(4,288,783)		(5,967,208)		(1,339,858)		556,121		1,042,940		(28,934)		(1,269,860)		(2,443,016)		(2,116,538)		(1,005,870)
繼續營業單位本期淨利（淨損）	20,457,169		(7,324,305)		2,168,688		22,730,490		14,459,259		16,630,294		10,478,595		11,218,876		5,098,510		6,838,003		7,922,124		10,568,064		10,685,094
本期淨利（淨損）	20,457,169		(7,324,305)		2,168,688		22,730,490		14,459,259		16,630,294		10,478,595		11,218,876		5,098,510		6,838,003		7,922,124		10,568,064		10,685,094
其他綜合損益
不重分類至損益之項目(稅後)
確定福利計畫之再衡量數	642,090		(78,261)		370,974		463,726		7,728		194,414		(383,055)
不動產重估增值	695,434		1,165,042		1,760,992		2,873,031		90,879
透過其他綜合損益按公允價值衡量之權益工具評價損益	6,751,541		15,363,314		(12,287,062)		7,634,743		(11,121,459)		8,245,796		2,155,236
與不重分類之項目相關之所得稅	1,028,914		1,700,885		(945,863)		1,411,227		(1,205,262)		1,011,377		1,398,035
不重分類至損益之項目總額（稅後）	7,060,151		14,749,210		(9,209,233)		9,560,273		(9,817,590)		7,428,833		374,146
後續可能重分類至損益之項目(稅後)
國外營運機構財務報表換算之兌換差額	236,839		(26,872)		290,362		(132,926)		(159,724)		(115,900)		52,972		(80,340)		(161,137)		106,937		155,013		61,751		(52,776)
透過其他綜合損益按公允價值衡量之債務工具損益	(1,032,078)		3,547,060		(4,242,663)		(10,380,881)		(1,897,411)		6,261,295		(30,561,563)
採用權益法認列之關聯企業及合資其他綜合損益之份額－可能重分類至損益之項目	243,128		63,374		(10,343)		(16,149)		(6,008)		8,449		(12,545)
採用覆蓋法重分類之其他綜合損益	(9,455,315)		26,354,998		(50,580,033)		(6,174,115)		4,578,062		21,438,812		(24,518,512)
與可能重分類之項目相關之所得稅	(1,647,101)		3,659,217		(4,571,199)		(1,777,766)		(141,915)		4,770,583		(8,885,548)
後續可能重分類至損益之項目總額（稅後）	(8,360,325)		26,279,343		(49,971,478)		(14,926,305)		2,656,834		22,822,073		(46,154,100)
本期其他綜合損益	(1,300,174)		41,028,553		(59,180,711)		(5,366,032)		(7,160,756)		30,250,906		(45,779,954)		9,291,160		7,877,662		(5,500,559)		3,427,863		2,228,386		(290,337)
本期綜合損益總額	19,156,995		33,704,248		(57,012,023)		17,364,458		7,298,503		46,881,200		(35,301,359)		20,510,036		12,976,172		1,337,444		11,349,987		12,796,450		10,394,757
淨利(淨損)歸屬
母公司業主	20,385,602		(7,409,239)		2,086,636		22,652,742		14,385,587		16,562,137		9,753,791		10,531,170		4,810,317		5,780,140		6,890,355		9,986,345		10,081,917
非控制權益	71,567		84,934		82,052		77,748		73,672		68,157		724,804		687,706		288,193		1,057,863		1,031,769		581,719		603,177
綜合損益總額歸屬
母公司業主	19,085,058		33,602,946		(57,078,146)		17,281,154		7,232,559		46,818,644		(36,268,297)		19,964,952		13,045,990		324,946		10,131,581		12,066,766		9,661,172
非控制股權	71,937		101,302		66,123		83,304		65,944		62,556		966,938		545,084		(69,818)		1,012,498		1,218,406		729,684		733,585
基本每股盈餘
繼續營業單位稅後淨利（淨損）	1.25		(0.48)		0.1		1.67		1.12		1.34		0.89										1.11		1.16
基本每股盈餘合計	1.25		(0.48)		0.1		1.67		1.12		1.34		0.89		1.05		0.48		0.57		0.7		1.11		1.16
稀釋每股盈餘
繼續營業單位稅後淨利（淨損）	1.22		(0.48)		0.1		1.59		1.07		1.28		0.85										1.05		1.12
稀釋每股盈餘合計	1.22		(0.48)		0.1		1.59		1.07		1.28		0.85		0.98		0.45		0.53		0.65		1.05		1.12

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