中信金－損益表

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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	62,559,740		58,959,579		48,715,701		32,050,144		31,033,213		35,006,576		34,405,888		29,956,344		26,372,609		23,636,035		18,707,323		12,667,778		11,426,340
利息費用	27,792,433		25,511,577		14,234,011		3,902,861		3,949,543		7,535,791		7,431,166		5,408,340		4,610,985		5,252,224		5,754,701		3,855,376		3,462,757
利息淨收益	34,767,307		33,448,002		34,481,690		28,147,283		27,083,670		27,470,785		26,974,722		24,548,004		21,761,624		18,383,811		12,952,622		8,812,402		7,963,583
利息以外淨收益
手續費及佣金淨收益	10,377,063		6,306,419		6,497,973		7,321,784		5,398,428		5,567,555		4,178,277		4,459,798		2,855,118		6,017,151		4,689,214		4,894,739		6,290,915
保險業務淨收益	(3,574,744)		(14,690,021)		(37,247,634)		9,374,357		(292,712)		32,365,309		56,162,434		59,836,162		58,612,093		35,675,466		28,793,222		27,125,860		2,356,858
透過損益按公允價值衡量之金融資產及負債損益	(26,008,026)		39,214,298		21,210,276		11,112,068		25,876,696		17,118,689		(13,508,914)		8,294,727		(11,680,948)		(229,833)		10,130		652,165		459,856
投資性不動產損益	181,515		132,832		371,481		123,582		(39,914)		50,257		160,213		237,854		131,206		45,312		1,169		3,715		3,476
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	847,679		449,399		54,311		772,405		990,479		1,798,822		414,729
除列按攤銷後成本衡量之金融資產損益	30,337		106,553		299,163		1,002,761		1,335,447		141,933		297,684
兌換損益	25,959,439		(32,363,099)		(21,440,077)		(3,053,399)		(12,010,960)		(17,545,584)		3,768,986
資產減損（損失）迴轉利益	(70,329)		(171,943)		145,572		(2,694)		(88,433)		86,760		(1,196)		(136,590)		(143,292)		(804,740)		(75,734)		(52,562)		(72,065)
採用權益法認列關聯企業及合資損益之份額	(4,974)		153,265		(6,506)		391,502		161,620		337,674		627,230		1,193,388		26,230		26,023		15,192		13,001		16,678
採用覆蓋法重分類之損益	4,658,834		(10,043,281)		(4,502,799)		(5,239,165)		(13,631,527)		(771,141)		6,431,365
其他利息以外淨損益	962,474		7,150,805		2,631,148		(283,213)		(692,125)		(298,000)		(533,627)		(255,131)		(1,488,022)		7,138,395		(384,346)		(282,914)		303,585
利息以外淨收益	13,359,268		(3,754,773)		(31,987,092)		21,519,988		7,006,999		38,852,274		57,997,181		66,893,060		62,315,992		48,574,206		36,345,837		33,919,092		10,603,361
淨收益	48,126,575		29,693,229		2,494,598		49,667,271		34,090,669		66,323,059		84,971,903		91,441,064		84,077,616		66,958,017		49,298,459		42,731,494		18,566,944
呆帳費用、承諾及保證責任準備提存	2,294,460		3,026,038		3,470,437		3,429,004		2,228,009		2,956,787		1,546,290		836,099		1,030,334		667,001		3,512,311		5,465,668		225,672
保險負債準備淨變動	6,096,857		(6,768,722)		(20,891,801)		18,326,346		8,428,356		41,652,964		64,095,559		65,346,299		62,936,361		40,194,977		28,691,366		26,525,375		2,512,102
營業費用
員工福利費用	11,934,679		12,793,608		10,613,296		11,581,176		8,357,692		8,879,190		5,864,923		8,868,611		7,611,749		7,581,293		6,538,986		5,407,472		4,860,288
折舊及攤銷費用	2,040,339		1,988,165		1,977,787		1,841,024		1,838,629		1,781,481		1,002,313		902,666		890,335		838,696		631,130		486,871		502,387
其他業務及管理費用	8,975,907		8,239,215		7,073,819		5,825,339		5,625,631		6,101,945		6,405,586		6,419,301		6,071,291		6,272,196		6,176,527		4,312,075		3,687,526
營業費用合計	22,950,925		23,020,988		19,664,902		19,247,539		15,821,952		16,762,616		13,272,822		16,190,578		14,573,375		14,692,185		13,346,643		10,206,418		9,050,201
繼續營業單位稅前淨利（淨損）	16,784,333		10,414,925		251,060		8,664,382		7,612,352		4,950,692		6,057,232		9,068,088		5,537,546		11,403,854		3,748,139		534,033		6,778,969
所得稅費用（利益）	2,966,191		2,626,420		685,696		1,141,860		884,977		244,613		1,268,742		(2,863,937)		(938,411)		(951,348)		(1,598,827)		2,700,257		(1,084,909)
繼續營業單位本期淨利（淨損）	13,818,142		7,788,505		(434,636)		7,522,522		6,727,375		4,706,079		4,788,490		6,204,151		4,599,135		10,452,506		2,149,312		3,234,290		5,694,060
本期淨利（淨損）	13,818,142		7,788,505		(434,636)		7,522,522		6,727,375		4,706,079		4,788,490		6,204,151		4,599,135		10,452,506		2,149,312		3,234,290		5,694,060
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	361,547		(118,041)		468,534		(346,766)		(190,459)		33,570		334,099
透過其他綜合損益按公允價值衡量之權益工具評價損益	(2,382,415)		4,413,088		867,842		4,354,789		10,206,470		3,391,036		(5,730,593)
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	(108,871)		(724,893)		(673,072)		103,490		(179,258)		(297,178)		2,228,717
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	2,098		761		3,649		178,831		(63,742)		(4,222)		(4,519)
與不重分類之項目相關之所得稅	337,733		(332,701)		143,290		11,562		387,355		(26,194)		(281,917)
不重分類至損益之項目總額（稅後）	(2,465,374)		3,903,616		523,663		4,278,782		9,385,656		3,149,400		(2,890,379)
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	(533,608)		(3,137,550)		989,085		396,255		330,728		(2,850,277)		1,605,525		(947,455)		(2,066,615)		137,330		958,068		19,415		(263,132)
透過其他綜合損益按公允價值衡量之債務工具損益	(8,243,412)		11,194,444		44,984,829		(401,272)		5,233,105		(901,410)
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	162,302		621,157		(12,404)		(43,561)		102,682		(711,896)		(312,501)
採用覆蓋法重分類之其他綜合損益	(4,658,834)		10,043,281		4,502,799		5,239,165		13,631,527		771,141		(6,431,365)
與可能重分類之項目相關之所得稅	(1,637,898)		1,544,754		9,115,280		719,308		2,521,714		(403,937)		(811,794)
後續可能重分類至損益之項目總額（稅後）	(11,635,654)		17,176,578		41,349,029		4,471,279		16,776,328		(3,288,505)		(5,723,607)
本期其他綜合損益	(14,101,028)		21,080,194		41,872,692		8,750,061		26,161,984		(139,105)		(8,613,986)		831,103		(11,323,936)		296,727		3,721,023		1,560,885		(1,591,535)
本期綜合損益總額	(282,886)		28,868,699		41,438,056		16,272,583		32,889,359		4,566,974		(3,825,496)		7,035,254		(6,724,801)		10,749,233		5,870,335		4,795,175		4,102,525
淨利(淨損)歸屬
母公司業主	13,379,101		7,495,084		(907,337)		7,730,160		6,727,188		4,706,169		4,788,168		6,203,534		4,599,803		10,451,795		2,148,555		3,232,569		5,692,244
非控制權益	439,041		293,421		472,701		(207,638)		187		(90)		322		617		(668)		711		757		1,721		1,816
綜合損益總額歸屬
母公司業主	6,201		28,055,885		39,717,575		16,644,527		32,886,443		4,572,159		(3,828,255)		7,036,150		(6,723,840)		10,745,045		5,867,217		4,795,627		4,101,414
非控制股權	(289,087)		812,814		1,720,481		(371,944)		2,916		(5,185)		2,759		(896)		(961)		4,188		3,118		(452)		1,111
基本每股盈餘
基本每股盈餘合計	0.69		0.38		(0.05)		0.4		0.35		0.24		0.25		0.32		0.14		0.59		0.14		0.21		0.41
稀釋每股盈餘
稀釋每股盈餘合計	0.69		0.39

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	243,919,326		220,386,880		159,818,621		123,445,736		129,479,139		141,659,899		129,139,824		112,086,276		102,274,095		80,541,643		67,442,151		47,789,311		45,432,502
利息費用	110,549,554		88,320,457		32,701,441		14,691,408		20,425,471		31,022,593		26,864,903		20,481,110		18,806,920		21,389,532		20,880,860		14,629,089		13,892,200
利息淨收益	133,369,772		132,066,423		127,117,180		108,754,328		109,053,668		110,637,306		102,274,921		91,605,166		83,467,175		59,152,111		46,561,291		33,160,222		31,540,302
利息以外淨收益
手續費及佣金淨收益	41,736,409		28,599,498		27,467,989		27,840,180		23,032,223		24,462,174		20,374,965		20,465,038		16,981,749		25,551,640		22,160,700		22,249,981		21,912,894
保險業務淨收益	(41,086,189)		(62,128,087)		(47,485,560)		9,022,923		33,371,291		101,870,778		174,125,002		216,433,869		202,011,333		112,736,151		105,653,900		60,870,646		34,604,041
透過損益按公允價值衡量之金融資產及負債損益	1,283,539		39,917,107		(81,607,143)		32,416,028		41,472,612		36,037,331		(24,416,843)		38,812,149		12,357,934		5,720,557		8,922,345		5,718,164		2,955,181
投資性不動產損益	717,432		1,675,968		1,006,743		701,829		1,266,342		870,073		704,377		607,844		373,081		56,469		4,708		15,723		8,610
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	8,963,012		7,687,568		6,523,584		14,837,423		15,416,442		14,339,258		10,352,736
除列按攤銷後成本衡量之金融資產損益	2,040,626		264,106		4,475,742		9,970,893		3,653,420		1,421,155		1,510,558
兌換損益	47,386,628		1,470,886		66,515,023		(15,893,706)		(31,597,649)		(12,069,187)		17,848,987
資產減損（損失）迴轉利益	(36,738)		(612,207)		(1,071,918)		98,304		(127,468)		609,040		(505,664)		(184,346)		(204,584)		(902,178)		(66,099)		(41,563)		(68,162)
採用權益法認列關聯企業及合資損益之份額	241,035		582,030		(38,383)		1,046,067		1,209,857		1,515,214		1,609,834		1,632,737		234,639		74,167		(11,428)		75,806		80,837
採用覆蓋法重分類之損益	(284,594)		(18,283,667)		46,951,618		(2,285,408)		(570,802)		(12,130,912)		13,929,922
其他利息以外淨損益	(4,921,359)		5,336,802		(10,602,576)		(451,037)		(1,773,615)		(2,844,502)		(3,434,204)		5,006,659		2,985,795		6,599,848		13,769,458		(1,613,523)		(538,556)
利息以外淨收益	56,039,801		4,510,004		12,135,119		77,303,496		85,352,653		154,080,422		212,099,670		258,158,491		236,204,186		156,419,816		154,865,396		94,006,397		62,532,413
淨收益	189,409,573		136,576,427		139,252,299		186,057,824		194,406,321		264,717,728		314,374,591		349,763,657		319,671,361		215,571,927		201,426,687		127,166,619		94,072,715
呆帳費用、承諾及保證責任準備提存	12,114,994		9,673,667		8,986,177		7,714,370		9,258,231		5,641,291		4,903,326		2,519,102		5,896,362		1,504,991		3,644,750		6,415,749		538,544
保險負債準備淨變動	(3,487,216)		(26,689,524)		11,816,445		43,935,030		68,870,986		139,137,229		205,361,796		239,860,214		220,215,855		117,725,465		104,063,750		60,001,187		33,269,976
營業費用
員工福利費用	52,141,122		49,257,896		39,276,771		44,061,848		36,186,621		38,908,863		34,555,092		35,636,835		32,243,135		29,293,524		26,826,683		22,270,993		20,097,409
折舊及攤銷費用	8,063,485		7,864,675		7,633,348		7,160,580		7,255,624		6,930,687		3,816,621		3,587,728		3,545,994		3,138,400		2,191,849		1,946,234		2,034,297
其他業務及管理費用	32,487,473		29,535,376		24,490,621		21,141,838		21,257,802		22,290,580		23,348,257		23,433,483		23,817,840		22,859,226		19,538,441		14,980,341		13,417,528
營業費用合計	92,692,080		86,657,947		71,400,740		72,364,266		64,700,047		68,130,130		61,719,970		62,658,046		59,606,969		55,291,150		48,556,973		39,197,568		35,549,234
繼續營業單位稅前淨利（淨損）	88,089,715		66,934,337		47,048,937		62,044,158		51,577,057		51,809,078		42,389,499		44,726,295		33,952,175		41,050,321		45,161,214		21,552,115		24,714,961
所得稅費用（利益）	14,725,655		9,360,191		14,435,827		8,045,945		8,721,902		8,926,802		6,354,288		(7,502,115)		(6,019,301)		(5,648,279)		(5,717,634)		(41,875)		(3,417,186)
繼續營業單位本期淨利（淨損）	73,364,060		57,574,146		32,613,110		53,998,213		42,855,155		42,882,276		36,035,211		37,224,180		27,932,874		35,402,042		39,443,580		21,510,240		21,297,775
本期淨利（淨損）	73,364,060		57,574,146		32,613,110		53,998,213		42,855,155		42,882,276		36,035,211		37,224,180		27,932,874		35,402,042		39,443,580		21,510,240		21,297,775
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	368,564		(126,177)		485,119		(327,302)		(184,587)		24,343		351,840
透過其他綜合損益按公允價值衡量之權益工具評價損益	5,462,524		15,534,458		(14,600,613)		15,002,091		(711,119)		8,240,344		(4,122,379)
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	(423,154)		(361,106)		2,329,242		33,300		(1,176,748)		1,396,988		1,112,346
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	3,687		2,491		(340)		19,579		(1,571,450)		(4,526)		1,903
與不重分類之項目相關之所得稅	658,129		(4,255)		272,795		539,965		(1,112,315)		284,351		(368,250)
不重分類至損益之項目總額（稅後）	4,753,492		15,053,921		(12,059,387)		14,187,703		(2,531,589)		9,372,798		(2,288,040)
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	7,130,402		(1,952,477)		6,398,819		(7,009,830)		(3,396,221)		(664,238)		1,983,726		(4,756,977)		(2,942,073)		1,942,611		495,747		(863,175)		(1,279,561)
透過其他綜合損益按公允價值衡量之債務工具損益	(4,665,537)		4,539,803		(17,604,738)		(17,945,117)		6,519,704		16,834,699		(18,173,503)
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	525,770		388,408		(970,054)		(344,515)		681,661		14,515		(241,687)
採用覆蓋法重分類之其他綜合損益	284,594		18,283,667		(46,951,618)		2,285,408		570,802		12,130,912		(13,929,922)
與可能重分類之項目相關之所得稅	281,295		1,048,562		(4,235,918)		(2,116,238)		215,462		4,224,243		(4,478,566)
後續可能重分類至損益之項目總額（稅後）	2,993,934		20,210,839		(54,891,673)		(20,897,816)		4,160,484		24,091,645		(25,882,820)
本期其他綜合損益	7,747,426		35,264,760		(66,951,060)		(6,710,113)		1,628,895		33,464,443		(28,170,860)		1,052,317		(8,712,180)		(2,732,044)		2,739,684		(7,090,337)		1,346,624
本期綜合損益總額	81,111,486		92,838,906		(34,337,950)		47,288,100		44,484,050		76,346,719		7,864,351		38,276,497		19,220,694		32,669,998		42,183,264		14,419,903		22,644,399
淨利(淨損)歸屬
母公司業主	72,028,449		56,081,479		31,278,991		54,204,958		42,853,406		42,879,806		36,032,425		37,222,217		27,928,977		35,397,576		39,437,007		21,502,785		21,291,590
非控制權益	1,335,611		1,492,667		1,334,119		(206,745)		1,749		2,470		2,786		1,963		3,897		4,466		6,573		7,455		6,185
綜合損益總額歸屬
母公司業主	77,972,273		92,495,609		(35,615,204)		47,664,193		44,487,441		76,346,177		7,864,640		38,281,597		19,219,055		32,669,531		42,173,277		14,425,233		22,643,483
非控制股權	3,139,213		343,297		1,277,254		(376,093)		(3,391)		542		(289)		(5,100)		1,639		467		9,987		(5,330)		916
基本每股盈餘
基本每股盈餘合計	3.64		2.82		1.55		2.73		2.15		2.16		1.85		1.91		1.43		2.1		2.58		1.5		1.55
稀釋每股盈餘
稀釋每股盈餘合計	3.63		2.82		1.55

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