中信金－損益表

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損益表

合併綜合損益表

第三季 (最新)

單季

(TWD千元)	2025年第三季		2024年第三季		2023年第三季		2022年第三季		2021年第三季		2020年第三季		2019年第三季		2018年第三季		2017年第三季		2016年第三季		2015年第三季		2014年第三季		2013年第三季		2012年第三季
(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	%	金額	%
利息收入	63,112,914		62,724,217		57,055,987		42,231,992		30,578,762		31,361,745		35,974,932		33,122,341		28,601,237		25,977,242		19,640,659		19,070,414		12,079,973		11,446,204
利息費用	25,717,510		28,776,251		23,677,672		9,009,112		3,585,477		4,321,136		7,851,657		7,012,046		5,271,407		4,422,002		5,324,172		5,850,373		3,727,900		3,541,275
利息淨收益	37,395,404		33,947,966		33,378,315		33,222,880		26,993,285		27,040,609		28,123,275		26,110,295		23,329,830		21,555,240		14,316,487		13,220,041		8,352,073		7,904,929
利息以外淨收益
手續費及佣金淨收益	10,605,811		11,155,393		7,147,496		6,504,594		6,861,388		5,814,518		6,742,277		4,848,447		5,351,707		3,743,048		6,273,054		5,580,369		5,244,986		5,456,668
保險業務淨收益	12,324,231		(12,501,635)		(13,039,747)		(15,881,048)		6,760,260		4,597,386		20,304,460		47,881,222		51,957,725		51,575,765		25,043,933		37,227,259		14,711,737		13,239,394
透過損益按公允價值衡量之金融資產及負債損益	15,184,874		28,532,190		(17,156,957)		(36,929,952)		1,753,622		12,880,555		5,860,142		(1,858,083)		2,772,669		10,856,518		(453,579)		(658,177)		2,137,977		764,515
投資性不動產損益	157,884		201,027		134,657		269,031		129,836		1,056,020		436,276		162,841		40,781		121,431		3,870		(1,592)		4,033		3,329
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	4,395,923		5,247,839		2,867,329		3,406,982		4,824,057		5,781,673		7,149,853		3,523,120
除列按攤銷後成本衡量之金融資產損益	11,989		215,230		1,455		503,902		1,577,265		876,755		1,247,405		1,030,704
兌換損益	13,242,231		(17,349,489)		23,954,139		42,482,147		333,794		(9,807,928)		(1,475,762)		616,245
資產減損（損失）迴轉利益	(188,925)		188,526		(27,589)		(81,077)		(12,313)		77,973		229,584		(554,752)		11,765		11,488		(401)		8,682		4,053		3,036
採用權益法認列關聯企業及合資損益之份額	892,306		244,915		141,571		(115,913)		248,695		327,521		397,396		324,739		265,733		78,174		38,972		(70,306)		31,711		16,446
採用覆蓋法重分類之損益	(15,590,533)		325,314		7,407,433		8,317,848		1,791,873		2,003,674		1,117,850		2,507,133
其他利息以外淨損益	(13,991,490)		(10,264)		(415,124)		(5,569,016)		(471,425)		(926,903)		(516,925)		(329,221)		847,949		2,551,039		23,054		208,013		(47,035)		(60,194)
利息以外淨收益	27,044,301		16,249,046		11,014,663		2,907,498		23,797,052		22,681,244		41,492,556		58,152,395		65,357,804		63,104,323		34,037,051		46,933,423		22,724,931		20,447,967
淨收益	64,439,705		50,197,012		44,392,978		36,130,378		50,790,337		49,721,853		69,615,831		84,262,690		88,687,634		84,659,563		48,353,538		60,153,464		31,077,004		28,352,896
呆帳費用、承諾及保證責任準備提存	3,897,980		3,589,427		2,911,073		2,159,186		1,979,423		1,541,124		194,644		1,208,514		1,300,491		1,485,303		1,444,698		(737,961)		1,147,063		766,153
保險負債準備淨變動	6,581,935		(3,116,369)		(3,745,686)		4,194,732		15,187,173		13,017,441		30,195,641		55,905,789		58,273,602		56,721,865		25,658,749		36,160,869		14,300,518		13,005,614
營業費用
員工福利費用	14,472,070		14,224,816		12,141,047		8,696,473		10,825,094		9,564,862		10,748,631		10,171,850		8,980,426		8,964,149		5,155,542		7,877,793		5,920,168		5,320,718
折舊及攤銷費用	2,048,997		2,051,778		1,964,069		1,894,479		1,754,602		1,823,592		1,780,669		974,584		876,975		888,443		796,767		598,982		482,618		496,973
其他業務及管理費用	8,917,662		8,139,386		7,444,051		6,075,569		5,133,234		5,203,567		5,542,353		5,866,449		5,880,744		6,009,851		5,889,864		5,492,659		3,698,929		3,399,822
營業費用合計	25,438,729		24,415,980		21,549,167		16,666,521		17,712,930		16,592,021		18,071,653		17,012,883		15,738,145		15,862,443		11,842,173		13,969,434		10,101,715		9,217,513
繼續營業單位稅前淨利（淨損）	28,521,061		25,307,974		23,678,424		13,109,939		15,910,811		18,571,267		21,153,893		10,135,504		13,375,396		10,589,952		9,407,918		10,761,122		5,527,708		5,363,616
所得稅費用（利益）	3,077,242		3,522,741		3,581,930		4,942,611		2,885,216		1,622,509		3,374,446		792,818		(1,749,957)		(1,562,710)		(1,683,469)		(1,949,018)		(555,137)		(656,979)
繼續營業單位本期淨利（淨損）	25,443,819		21,785,233		20,096,494		8,167,328		13,025,595		16,948,758		17,779,447		9,342,686		11,625,439		9,027,242		7,724,449		8,812,104		4,972,571		4,706,637
本期淨利（淨損）	25,443,819		21,785,233		20,096,494		8,167,328		13,025,595		16,948,758		17,779,447		9,342,686		11,625,439		9,027,242		7,724,449		8,812,104		4,972,571		4,706,637
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	(340)		(296)		789		(3,432)		(82)		(57)		(31)		19,319
透過其他綜合損益按公允價值衡量之權益工具評價損益	7,380,301		(1,583,822)		1,187,639		(8,144,768)		(1,098,371)		(2,772,158)		(4,674,852)		812,231
指定為透過損益按公允價值衡量之金融負債其變動金額來自信用風險	(814,216)		(275,357)		45,357		802,154		(5,722)		(609,625)		(486,347)		(1,368,607)
採用權益法認列之關聯企業及合資其他綜合損益之份額－不重分類至損益之項目	(4,798)		(3,376)		856		(156)		(179,192)		(575,430)		(7,435)		3,461
與不重分類之項目相關之所得稅	87,700		(147,811)		221,357		28,573		139		(286,945)		(22,504)		59,113
不重分類至損益之項目總額（稅後）	6,473,247		(1,715,040)		1,013,284		(7,374,775)		(1,283,506)		(3,670,325)		(5,146,161)		(592,709)
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	3,106,709		5,856,872		3,231,604		3,903,667		(1,482,512)		(1,198,525)		(1,098,910)		(1,087,370)		(182,773)		(2,366,718)		3,968,993		(563,137)		(1,531,590)		(570,066)
透過其他綜合損益按公允價值衡量之債務工具損益	2,480,371		8,874,248		(7,472,932)		(16,550,760)		(1,382,875)		528,631		3,768,678
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	(43,813)		323,813		(119,383)		(315,448)		8,131		377,309		163,321		275,862
採用覆蓋法重分類之其他綜合損益	15,590,533		(325,314)		(7,407,433)		(8,317,848)		(1,791,873)		(2,003,674)		(1,117,850)		(2,507,133)
與可能重分類之項目相關之所得稅	1,752,373		2,716,643		(1,484,464)		(3,411,108)		(266,445)		129,678		423,871		(193,480)
後續可能重分類至損益之項目總額（稅後）	19,381,427		12,012,976		(10,283,680)		(17,869,281)		(4,382,684)		(2,425,937)		1,291,368		(2,531,981)
本期其他綜合損益	25,854,674		10,297,936		(9,270,396)		(25,244,056)		(5,666,190)		(6,096,262)		(3,854,793)		(3,124,690)		(1,439,871)		(1,623,996)		2,370,861		(3,267,506)		(2,071,074)		1,766,223
本期綜合損益總額	51,298,493		32,083,169		10,826,098		(17,076,728)		7,359,405		10,852,496		13,924,654		6,217,996		10,185,568		7,403,246		10,095,310		5,544,598		2,901,497		6,472,860
淨利(淨損)歸屬
母公司業主	24,918,597		21,442,491		19,773,362		7,891,053		13,025,549		16,949,109		17,778,634		9,341,766		11,625,380		9,026,314		7,722,797		8,810,555		4,969,904		4,705,257
非控制權益	525,222		342,742		323,132		276,275		46		(351)		813		920		59		928		1,652		1,549		2,667		1,380
綜合損益總額歸屬
母公司業主	48,910,231		28,848,732		11,289,388		(16,769,124)		7,359,212		10,855,642		13,924,368		6,219,327		10,186,464		7,404,449		10,095,095		5,543,869		2,909,155		6,473,680
非控制股權	2,388,262		3,234,437		(463,290)		(307,604)		193		(3,146)		286		(1,331)		(896)		(1,203)		215		729		(7,658)		(820)
基本每股盈餘
基本每股盈餘合計	1.28		1.1		0.96		0.41		0.61		0.87		0.91		0.48		0.6		0.5		0.47		0.58		0.34		0.33
稀釋每股盈餘
稀釋每股盈餘合計	1.27		1.1		0.96

今年初累積至今

(TWD千元)	2025年前9個月		2024年前9個月		2023年前9個月		2022年前9個月		2021年前9個月		2020年前9個月		2019年前9個月		2018年前9個月		2017年前9個月		2016年前9個月		2015年前9個月		2014年前9個月		2013年前9個月		2012年前9個月
(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	%	金額	%
利息收入	187,754,416		181,359,586		161,427,301		111,102,920		91,395,592		98,445,926		106,653,323		94,733,936		82,129,932		75,901,486		56,905,608		48,734,828		35,121,533		34,006,162
利息費用	79,073,923		82,757,121		62,808,880		18,467,430		10,788,547		16,475,928		23,486,802		19,433,737		15,072,770		14,195,935		16,137,308		15,126,159		10,773,713		10,429,443
利息淨收益	108,680,493		98,602,465		98,618,421		92,635,490		80,607,045		81,969,998		83,166,521		75,300,199		67,057,162		61,705,551		40,768,300		33,608,669		24,347,820		23,576,719
利息以外淨收益
手續費及佣金淨收益	33,515,109		31,359,346		22,293,079		20,970,016		20,518,396		17,633,795		18,894,619		16,196,688		16,005,240		14,126,631		19,534,489		17,471,486		17,355,242		15,621,979
保險業務淨收益	6,853,957		(37,511,445)		(47,438,066)		(10,237,926)		(351,434)		33,664,003		69,505,469		117,962,568		156,597,707		143,399,240		77,060,685		76,860,678		33,744,786		32,247,183
透過損益按公允價值衡量之金融資產及負債損益	58,888,964		27,291,565		702,809		(102,817,419)		21,303,960		15,595,916		18,918,642		(10,907,929)		30,517,422		24,038,882		5,950,390		8,912,215		5,065,999		2,495,325
投資性不動產損益	476,571		535,917		1,543,136		635,262		578,247		1,306,256		819,816		544,164		369,990		241,875		11,157		3,539		12,008		5,134
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	9,054,403		8,115,333		7,238,169		6,469,273		14,065,018		14,425,963		12,540,436		9,938,007
除列按攤銷後成本衡量之金融資產損益	23,042		2,010,289		157,553		4,176,579		8,968,132		2,317,973		1,279,222		1,212,874
兌換損益	(48,220,784)		21,427,189		33,833,985		87,955,100		(12,840,307)		(19,586,689)		5,476,397		14,080,001
資產減損（損失）迴轉利益	358,207		33,591		(440,264)		(1,217,490)		100,998		(39,035)		522,280		(504,468)		(47,756)		(61,292)		(97,438)		9,635		10,999		3,903
採用權益法認列關聯企業及合資損益之份額	1,375,073		246,009		428,765		(31,877)		654,565		1,048,237		1,177,540		982,604		439,349		208,409		48,144		(26,620)		62,805		64,159
採用覆蓋法重分類之損益	10,584,396		(4,943,428)		(8,240,386)		51,454,417		2,953,757		13,060,725		(11,359,771)		7,498,557
其他利息以外淨損益	(7,630,528)		(5,883,833)		(1,814,003)		(13,233,724)		(167,824)		(1,081,490)		(2,546,502)		(2,900,577)		5,261,790		4,473,817		(538,547)		14,153,804		(1,330,609)		(842,141)
利息以外淨收益	65,278,410		42,680,533		8,264,777		44,122,211		55,783,508		78,345,654		115,228,148		154,102,489		191,265,431		173,888,194		107,845,610		118,519,559		60,087,305		51,929,052
淨收益	173,958,903		141,282,998		106,883,198		136,757,701		136,390,553		160,315,652		198,394,669		229,402,688		258,322,593		235,593,745		148,613,910		152,128,228		84,435,125		75,505,771
呆帳費用、承諾及保證責任準備提存	10,241,105		9,820,534		6,647,629		5,515,740		4,285,366		7,030,222		2,684,504		3,357,036		1,683,003		4,866,028		837,990		132,439		950,081		312,872
保險負債準備淨變動	18,928,452		(9,584,073)		(19,920,802)		32,708,246		25,608,684		60,442,630		97,484,265		141,266,237		174,513,915		157,279,494		77,530,488		75,372,384		33,475,812		30,757,874
營業費用
員工福利費用	42,618,282		40,206,443		36,464,288		28,663,475		32,480,672		27,828,929		30,029,673		28,690,169		26,768,224		24,631,386		21,712,231		20,287,697		16,863,521		15,237,121
折舊及攤銷費用	6,123,772		6,023,146		5,876,510		5,655,561		5,319,556		5,416,995		5,149,206		2,814,308		2,685,062		2,655,659		2,299,704		1,560,719		1,459,363		1,531,910
其他業務及管理費用	26,083,475		23,511,566		21,296,161		17,416,802		15,316,499		15,632,171		16,188,635		16,942,671		17,014,182		17,746,549		16,587,030		13,361,914		10,668,266		9,730,002
營業費用合計	74,825,529		69,741,155		63,636,959		51,735,838		53,116,727		48,878,095		51,367,514		48,447,148		46,467,468		45,033,594		40,598,965		35,210,330		28,991,150		26,499,033
繼續營業單位稅前淨利（淨損）	69,963,817		71,305,382		56,519,412		46,797,877		53,379,776		43,964,705		46,858,386		36,332,267		35,658,207		28,414,629		29,646,467		41,413,075		21,018,082		17,935,992
所得稅費用（利益）	7,987,860		11,759,464		6,733,771		13,750,131		6,904,085		7,836,925		8,682,189		5,085,546		(4,638,178)		(5,080,890)		(4,696,931)		(4,118,807)		(2,742,132)		(2,332,277)
繼續營業單位本期淨利（淨損）	61,975,957		59,545,918		49,785,641		33,047,746		46,475,691		36,127,780		38,176,197		31,246,721		31,020,029		23,333,739		24,949,536		37,294,268		18,275,950		15,603,715
本期淨利（淨損）	61,975,957		59,545,918		49,785,641		33,047,746		46,475,691		36,127,780		38,176,197		31,246,721		31,020,029		23,333,739		24,949,536		37,294,268		18,275,950		15,603,715
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	75		7,017		(8,136)		16,585		19,464		5,872		(9,227)		17,741
透過其他綜合損益按公允價值衡量之權益工具評價損益	5,257,175		7,844,939		11,121,370		(15,468,455)		10,647,302		(10,917,589)		4,849,308		1,608,214
指定為透過損益按公允價值衡量之金融負債其變動金額來自信用風險	(260,925)		(314,283)		363,787		3,002,314		(70,190)		(997,490)		1,694,166		(1,116,371)
採用權益法認列之關聯企業及合資其他綜合損益之份額－不重分類至損益之項目	(3,280)		1,589		1,730		(3,989)		(159,252)		(1,507,708)		(304)		6,422
與不重分類之項目相關之所得稅	(346,827)		320,396		328,446		129,505		528,403		(1,499,670)		310,545		(86,333)
不重分類至損益之項目總額（稅後）	5,339,872		7,218,866		11,150,305		(12,583,050)		9,908,921		(11,917,245)		6,223,398		602,339
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	(9,996,021)		7,664,010		1,185,073		5,409,734		(7,406,085)		(3,726,949)		2,186,039		378,201		(3,809,522)		(875,458)		1,805,281		(462,321)		(882,590)		(1,016,429)
透過其他綜合損益按公允價值衡量之債務工具損益	8,826,833		3,577,875		(6,654,641)		(62,589,567)		(17,543,845)		1,286,599		17,736,109
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	(185,147)		363,468		(232,749)		(957,650)		(300,954)		578,979		726,411		70,814
採用覆蓋法重分類之其他綜合損益	(10,584,396)		4,943,428		8,240,386		(51,454,417)		(2,953,757)		(13,060,725)		11,359,771		(7,498,557)
與可能重分類之項目相關之所得稅	(799,891)		1,919,193		(496,192)		(13,351,198)		(2,835,546)		(2,306,252)		4,628,180		(3,666,772)
後續可能重分類至損益之項目總額（稅後）	(11,138,840)		14,629,588		3,034,261		(96,240,702)		(25,369,095)		(12,615,844)		27,380,150		(20,159,213)
本期其他綜合損益	(5,798,968)		21,848,454		14,184,566		(108,823,752)		(15,460,174)		(24,533,089)		33,603,548		(19,556,874)		221,214		2,611,756		(3,028,771)		(981,339)		(8,651,222)		2,938,159
本期綜合損益總額	56,176,989		81,394,372		63,970,207		(75,776,006)		31,015,517		11,594,691		71,779,745		11,689,847		31,241,243		25,945,495		21,920,765		36,312,929		9,624,728		18,541,874
淨利(淨損)歸屬
母公司業主	60,759,332		58,649,348		48,586,395		32,186,328		46,474,798		36,126,218		38,173,637		31,244,257		31,018,683		23,329,174		24,945,781		37,288,452		18,270,216		15,599,346
非控制權益	1,216,625		896,570		1,199,246		861,418		893		1,562		2,560		2,464		1,346		4,565		3,755		5,816		5,734		4,369
綜合損益總額歸屬
母公司業主	53,391,032		77,966,072		64,439,724		(75,332,779)		31,019,666		11,600,998		71,774,018		11,692,895		31,245,447		25,942,895		21,924,486		36,306,060		9,629,606		18,542,069
非控制股權	2,785,957		3,428,300		(469,517)		(443,227)		(4,149)		(6,307)		5,727		(3,048)		(4,204)		2,600		(3,721)		6,869		(4,878)		(195)
基本每股盈餘
基本每股盈餘合計	3.06		2.95		2.44		1.6		2.33		1.8		1.92		1.6		1.59		1.29		1.51		2.44		1.29		1.14
稀釋每股盈餘
稀釋每股盈餘合計	3.05		2.94		2.43

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