2018 20194 2

20182019 3 100% 100% 100% 100% 100% (China) (100%) (49%) (50%) Conning (100%) (100%) (50%) (100%) (100%) (100%) () (100%) CUBC (100%) (33%) ( ( ) ) QFII FY18 FY18 13.0% 19.4% QDII 4

4.5 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5-6.8% 1.3 10.9% 2.4 3.9 EPS & ROE EPS 12.1% 4.6 ROE 3.8 12.9% 4.5 9.7% 10.0% (NT$/%) 4.0 FY12 FY13 FY14 FY15 FY16 FY17 FY18 8.8% 16.0% 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Note: (1) FY13 figures do not reflect the impact from applying fair value method on investment property. (2) Since Cathay FHC has more subsidiaries other than Cathay Life and CUB, besides, due to affiliate transactions, the Cathay FHC net income might not equal to the sum of Cathay Life and CUB s. (3) EPS has been adjusted for stock dividend (stock split). 2.5 13.3 16% 82% 15.4 14.6 17.8 18.8 17.5 19.7 21.3 53% 50% CUB 31.7 CUB 38.4 Cathay Life 30.2 Cathay Life (NT$ BN) 36.3 30.3 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FHC 16.2 29.0 49.6 57.9 48.0 56.7 51.8 Life 2.5 15.4 31.7 38.4 30.2 36.3 30.3 CUB 13.3 14.6 17.8 18.8 17.5 19.7 21.3 64% 66% 63% 64% 58% 36% 32% 36% 35% 41% FY12 FY13 FY14 FY15 FY16 FY17 FY18 5 (US$bn) 302 253 188 Privately owned 176 119 Government-run 116 115 96 89 88 2018/12/28 (US$bn) 18.3 15.3 12.9 Privately owned 12.4 8.4 Government-run 8.3 7.9 7.3 6.6 5.0 2019/3/29 6

(NT$) 18% -9% 56.7 51.8 48.0 3.79 4.47 3.95 FY16 FY17 FY18 FY16 FY17 FY18 ROE FY17 FY18 FY17 FY18 19.7 21.3 36.3 30.3 1.9 1.5 0.4 0.6 0.3 0.5 26.3% 18.8% 19.7% 10.0% 11.5% 14.7% 10.9% 8.8% 9.0% 7.3% CUB Cathay Cathay Cathay Cathay Cathay CUB Cathay Cathay Cathay Life Century SITE Securities FHC Life Century SITE :1Q18ROEIFRS 9 7 (NT$) 461.1 529.8 608.5 529.3 36.2 37.7 43.7 34.0 FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18 (1)FY16 (2)2018/1/1IFRS9 8

20182019 9 2018 13% FYPFYPEFYP 3.5% RBC 292% 6%13.0% AUM6,351 2018 Smart 10

2019 11 20182019 12

7 36 15 1 1 1 1 1 1 1 1 51 (1) 59 27 2 1 1 1 Note: (1) (2) (3) RCBCMayapada (4) 49% ()33% RCBC23% (3) Mayapada40% (3) () 20186,91451% 13 20182346% (Conning) 14

15 1,438.3 16.7 132.9 672.3 10% 1.2% 9.2% 46.7% 1,575.2 17.9 151.7 724.7 1.1% 9.6% 46.0% 2,080.8 1,291.1 6% 62.0% 2,204.2 1,378.1 62.5% 616.4 42.9% 680.9 43.2% 789.7 38.0% 826.0 37.5% FY17 FY18 FY17 FY18 201899M18FY18 NT$18BNNT$5BN() 16

Avg. rate of interest-earning assets Interest spread Net interest margin Funding cost 1.96% 2.08% 1.99% 1.76% 1.80% 1.83% 1.86% 1.88% 1.79% 1.84% 1.83% 1.66% 1.56% 1.60% 1.64% 1.67% 2.01% 2.04% 2.06% 2.06% 1.81% 1.83% 1.85% 1.85% 1.26% 1.33% 1.20% 1.07% 1.11% 1.14% 1.16% 1.18% 1.24% 1.25% 1.26% 1.25% 0.70% 0.75% 0.79% 0.69% 0.69% 0.69% 0.70% 0.71% 0.77% 0.79% 0.80% 0.81% FY13 FY14 FY15 FY16 1Q17 1H17 9M17 FY17 1Q18 1H18 9M18 FY18 Quarterly 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 Spread 1.59% 1.56% 1.64% 1.74% 1.76% 1.81% 1.85% 1.90% 1.83% NIM 1.10% 1.11% 1.18% 1.20% 1.22% 1.24% 1.26% 1.27% 1.22% NIM-pro forma excl. China (2) 1.19% 1.21% 1.22% 1.25% 1.22% (1) (2) 20189 9M18 17 756% 7.56% 932% 9.32% 4.5 5.5 0.21% 0.16% 1.8 1.1 FY17 FY18 FY17 FY18 0.15% 0.15% 20189 9M18FY18 0.18%1762.67% NT$10.6MN() 18

SME SME 116.5 118.8 130.9 151.9 178.1 185.0 148.9 174.0 224.0 233.0 FY14 FY15 FY16 FY17 FY18 FY14 FY15 FY16 FY17 FY18 10.5% 10.5% 9.2% 10.7% 11.4% 16.6% 13.3% 12.2% 15.8% 15.0% (1) (2)20189 9M18FY18 NT$18BN() 19 9.4-19% 12% 17% 7.6 8.5-35% 10.0 6.5 46.1% 36.3% 44.3% 45.6% 27.0% FY14 FY15 FY16 FY17 FY18 FY14 FY15 FY16 FY17 FY18 20

9.5% 8.1% 2.8% 48.1% 13.9 1.3 1.1 0.4 6.7 19% 16.6 1.3 1.2 0.4 8.8 11% -3% 18.4 17.9 1.3 1.4 1.1 0.8 0.4 0.4 9.8 8.8 10% 19.7 1.7 0.9 0.5 9.2 8.9% 4.7% 2.6% 46.6% 31.5% 4.4 4.9 5.7 6.5 7.3 37.2% FY14 FY15 FY16 FY17 FY18 20189 9M189-12NT$5.8 MN() 21 (NT$MN) FY14 FY15 FY16 FY17 FY18 6,673 8,779 9,828 8,837 9,183 (%) 29.2% 31.6% 11.9% -10.1% 3.9% FY14 FY15 FY16 FY17 FY18 7,794 6,097 5,974 5,790 3,862 2,386 2,307 2,453 2,409 1,573 46 85 124 230 367 332 273 304 316 364 Mutual Funds Structured products & Securities Trust & Custody Insurance 22

23 (VUL) (VUL) 25.2% 4.3% 5.4% 13.1% 561.4 141.5 24.0 30.3 73.5 561.3 548.0 13.8 10.8 70.5 90.8 26.0 23.3 84.9 87.5 645.2 0.1 115.5 17.5 94.0 768.3-11% 669.9 0.1 680.7 0.2 155.5 0.4 55.8 15.6 14.5 121.2 99.3 101.9 13.9 106.5 0.1% 17.8% 2.0% 15.6% 52.0% 292.1 366.1 335.6 418.1 499.1 496.4 438.7 64.5% FY10 FY12 FY13 FY15 FY16 FY17 FY18 24

& 0.1 114.3 0.3 8.9 2.8 91.0 (FYP) (VUL) (VUL) 217.4-8% 199.1 0.1 54.6 0.2 9.3 5.2 129.6 17% 233.2 0.1 154.2 120.0 0.2 9.1 4.4-9% 211.6 0.3 0.1 11.2 9.2 65.3 70.8 0.2% 56.7% 0.0% 5.3% 4.3% 33.5% (FYPE) (VUL) (VUL) 102.0 0.0 12.1 0.2 8.9 80.8 32% 135.0 0.0 5.5 0.2 9.3 120.0-42% 78.6 0.0 15.5 0.1 9.1-9% 71.4 0.1 12.1 0.1 11.2 53.9 47.9 0.1% 17.0% 0.2% 15.7% 67.1% FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18 FYPE= FYP x 10% + 2FYP x 20% + + 5FYP x 50% + 6() FYP x 100% 25 & 2 3 61% 6% 3% 4% 4% 6% 8% 18% 43% 11% 16% Profit Margin FY12 FY13 FY14 FY15 FY16 FY17 FY18 VNB/FYP 19% 26% 23% 27% 38% 22% 24% VNB/FYPE 54% 70% 75% 57% 56% 64% 72% Target Actual 75.5 93% 88% 5% 76% 73% 51% 34% FY12 FY13 FY15 FY16 FY17 FY18 50.0 51.4 53.5 46.0 57.6 50.0 52.5 55.5 59.0 54.0 54.5 50.5 51.5 FY12 FY13 FY14 FY15 FY16 FY17 FY18 YoY 3% 4% 8% 31% -33% 2% 26

() 5.40% 4.23% 4.21% 4.17% 4.14% 4.11% 4.10% 4.07% 4.05% 4.03% 5.07% 4.83% 4.78% 4.63% 4.54% 4.43% 4.33% 4.23% 4.11% 4.03% FY16 1Q17 1H17 9M17 FY17 1Q18 1H18 9M18 FY18 FY08 FY10 FY12 FY14 FY16 FY18 (reserve based) 27 FY15 FY16 FY17 FY18 (1) 4,636.6 5,001.1 5,502.6 5,761.0 Weight Weight Weight Amount Return Weight Amount Return 1.3% 1.3% 1.6% 87 0.5% 1.1% 61 0.6% 7.4% 7.9% 8.4% 465 9.1% 7.5% 431 9.6% (2) 6.2% 6.4% 6.3% 347 8.3% 6.7% 388 8.7% 8.0% 6.5% 5.5% 305 2.1% 5.0% 287 3.6% (1)(2) 50.6% 53.8% 55.7% 3,063 5.0% 58.6% 3,374 4.6% 10.2% 8.9% 8.1% 444 1.8% 7.1% 411 2.0% 3.6% 3.3% 3.0% 166 5.8% 3.0% 170 5.8% 10.5% 9.8% 9.2% 496 2.3% 8.7% 501 2.3% 2.1% 2.2% 2.4% 130 2.4% 140 (1) (2) 28

3.17% 3.28% 3.39% 3.35% 3.50% 4.35% 4.18% 4.02% 4.02% 3.82% 3.27% (1) FY14 FY15 FY16 FY17 FY18 FY181.28% FY14 FY15 FY16 FY17 FY18 30% 70% Proxy & Open 22% Currency Swap & NDF FVOCI & 61% FVTPL (overlay) 17% NT$3.85 29 22.6 23.7 24.2 12% 15% 17% 14% 20.3 24% 22% 22% 22% 18% 19% 18% 20% 45% 44% 43% 44% FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18 30

FVOCI & FVTPL 348.2 364.0 441.2 362.1 51.6 FY15 FY16 FY17 FY18-3.9 3.2 FY15 FY16 FY17 FY18 2018/1/1IFRS 9-73.1 31 (FYP) (FYPE) - - 3.0% 9.8% 19.3% 26.9% 1.8% 4.2% 15.8% 16.7% 77.6% 63.3% 82.3% 79.1% FY17 FY18 FY17 FY18 32

FY17 FY18 98.2% 98.4% 94.3% 94.7% 8.6% 9.6% 13 months 25 months FY17 FY18 33 20182019 34

16.3% 2.6% 4.3% 14.6% 19.0 20.7 6% 22.9 21.6 11.4% 9.5% 3.4% 15.6% 0.3% 0.2% 0.2% 0.3% 38.3% 37.6% 36.9% 36.6% 62.2% 60.1% 61.4% 62.2% 62.9% 63.2% FY15 FY16 FY17 FY18 13.3% 74.9% 13.6% 75.7% 13.1% 13.0% 76.2% 77.1% 35 80.0% 81.8% 30.8% 31.5% 90.9% 92.2% 35.1% 34.8% 49.2% 50.3% 55.8% 57.4% FY17 FY18 FY17 FY18 36

20182019 37 38

A A- A A++ A++ 2016 20% 510 19 12 10 9 7 5 Top 10 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 2016 2017 2018 DJSIESG DJSI 2018DJSI Vigeo Eiris DJSI 39 PSI EPs PRI Key initiatives 2015 2015Conning Holdings Corp. Conning Inc. PRI 2016 Team in-charge 2016 2014 40

ESG 41 2012(CDP) 2017CDPNon-discloser campaigncdp CDP 2017CDP19% 2014 (GIC) 201517.3 2016 (AIGCC) 25628 100 42

20182019 43 : 2015100%US$240 MN P/AuM0.26% ++ 1912Conning US$133 BN (FY18) Assets by Client Type (US$BN) Assets Life 48.0 Property-Casualty 42.3 Others 18.4 Retail 13.8 Pension 10.3 Total AUM 132.8 Note: Totals may not sum due to rounding. Assets by Region (US$BN) Assets North America 68.8 Asia 45.1 Continental Europe 10.3 United Kingdom 6.4 Bermuda 1.5 Other 0.7 Total AUM 132.8 44

: RCBC 2015RCBC20%PHP$17.92 BN(US$400 MN)P/B1.57 RCBC 30% RCBC RCBC() 2018509 6,886 (PHP$BN) ROE ROA RCBC Industry RCBC Industry 297 306 353 379 9.4% 9.3% 10.5% 10.0% 9.3% 1.2% 1.2% 1.1% 1.1% 1.1% FY15 FY16 FY17 9M18 6.4% 6.7% 5.9% FY15 FY16 FY17 9M18 0.8% 0.8% 0.7% FY15 FY16 FY17 9M18 45 : Bank Mayapada 2016PT Bank Mayapada International, Tbk ( Bank Mayapada )40% 24.9% (US$ 164 MN) 2015 15.1% 201610 ~IDR$3.52TN (US$ 295 MN)P/B~3.15 Bank Mayapada (IDR$TN) ROE* ROA* Bank Mayapada Industry Bank Mayapada Industry 34.2 47.2 56.4 63.1 17.7% 14.1% 13.5% 13.9% 13.6% 12.4% 10.9% 8.7% 1.9% 1.9% 1.8% 1.7% 1.6% 1.3% 1.5% 1.0% FY15 FY16 FY17 9M18 FY15 FY16 FY17 9M18 FY15 FY16 FY17 9M18 Note: ROE: Profit After Tax/Average Total Equity, ROA: Profit After Tax/Average Total Assets. 46

(EV)(AV) 2016/12/31 2017/12/31 4.00%20365.05% 4.76%20365.82% (4.50%Rolling over to 20174.51%) 3.92%20375.05% 4.67%20375.82% (4.43%) 10% 10% 392 464 () 633 670-169 -190 () 464 480 (EV) 856 944 EV / per share 161.3(68.1) 164.8(75.1) 2.97%20364.91% 4.38%20365.84% 2.91%20374.91% 4.22%20375.84% () 54.0 54.5 (AV) 1,328 1,416 AV / per share 250.3(105.7) 247.3(112.7) (1) (EV/AV) (2) 20165.3bn65.7bn2017 EV(AV)/per share5.7bn (3)()2016201712.6bn (4) 47 20162017 2016 2017 1Q18 361 436 21% -- 392 464 18% -- () 633 670 6% -- -169-190 12% -- () 464 480 3% -- 856 944 10% -- (FYP) 199.1 233.2 17% 67.9 (FYPE) 135.0 78.6-41% 21.4 (V1NB) 75.5 50.5-33% 14.5 (V1NB/FYP) 38% 22% -- 21% (V1NB/FYPE) 56% 64% -- 68% VUL(V1NB/FYP) 51% 57% -- 55% 8.7 8.7 -- -- 1,328 1,416 7% -- 68.1 75.1 10% -- 105.7 112.7 7% -- 48

20162017 20162017 49 20162017 20162017 50

IFRS9 2017/12/31 IAS 39 2018/1/1 IFRS 9 FVTPL 0.7% FVTPL 0.9% AFS 36.8% ( AFS) 25.9% FVOCI LAR + HTM AC 25.4% 62.5% 47.8% 2018/1/1 IFRS 9NT$ 326 FVTPLFVOCIAC 51 IFRS 9 &Overlay (SPPI test)* FAIL Yes PASS No 1 2 (a) (b) 1 2 No (FVOCI option) Yes Yes No (AC) No (FVOCI) (FVTPL) (FVOCI) IAS39FVTPLIFRS9FVTPL Overlay *SPPI (Solely Payments of Principal and Interest) 52

(FY18) (FY18) AUD, 2% VND, 0.4% Euro, 0.6% Others, 1% CNH, 2% Non-IG, 4% Fully hedged to USD USD, 94% IG, 96% 53 Capital adequacy Cathay FHC CAR (%) CUB Capital Adequacy (%) BIS 16.4 14.2 15.9 15.0 Tier2 4.4 3.5 4.2 3.1 151.0 146.3 141.1 127.1 Tier1 12.0 10.7 11.7 11.8 FY15 FY16 FY17 FY18 Cathay Life RBC (%) FY15 FY16 FY17 FY18 304.6 304.8 309.5 291.7 FY15 FY16 FY17 FY18 54

國泰金控 FY18/ 4Q18/ ( 新台幣 - 百萬元 ) FY17 4Q17 綜合損益表 ( 合併 ) FY16 FY17 FY18 % Chg 4Q17 4Q18 % Chg 營業收入 利息淨收益 153,478 168,461 180,628 7% 43,480 48,223 11% 手續費及佣金淨收益 (8,050) 1,070 2,883 170% (607) (36) 94% 自留滿期保費收入 622,916 624,617 576,811-8% 173,932 171,190-2% 保險負債準備淨變動 (408,614) (445,833) (334,122) -25% (126,543) (94,801) -25% 自留保險賠款與給付 (308,697) (295,503) (368,656) 25% (76,720) (105,240) 37% 投資收益 37,782 62,065 82,634 33% 12,094 1,249-90% 採用權益法認列關聯企業及合資損益之份額 1,202 1,298 1,004-23% 223 (38) -117% 其他利息以外淨損益 40,606 22,446 (1,378) -106% 3,813 (621) -116% 呆帳費用 承諾及保證責任準備提存 (5,232) (3,460) (4,599) 33% (1,579) (2,534) 60% 營業費用 (75,207) (75,526) (79,606) 5% (21,544) (21,201) -2% 稅前淨利 50,185 59,636 55,599-7% 6,548 (3,809) -158% 所得稅費用 (2,145) (2,962) (3,777) 27% 1,865 1,034 45% 本期淨利 48,039 56,673 51,822-9% 8,412 (2,775) -133% 每股盈餘 ( 新台幣 - 元 ) 3.79 4.47 3.95 0.66 (0.23) 股利發放 每股現金股利 2.00 2.50 每股股票股利 0.00 0.00 流通在外普通股股數 12,563 12,563 12,563 ( 百萬股 ) 資產負債表 ( 合併 ) 總資產 8,135,137 8,841,510 9,224,484 總權益 529,824 608,471 529,289 營運指標平均股東權益報酬率 ( 合併 ) 9.70% 9.96% 8.83% 平均資產報酬率 ( 合併 ) 0.61% 0.67% 0.57% 雙重槓桿比率 ( 包含特別股 ) 105% 108% 112% 資本適足率指標 資本適足率 146% 141% 127% 註 : (1) 本頁所有資訊僅供參考, 詳細內容請參考查核之財務報告 (2) 因四捨五入, 直接加總不一定等於總數 (3) 2018/1/1 起採用 IFRS9, 前期資訊選擇不予重編 55

國泰人壽 FY18/ 4Q18/ ( 新台幣 - 百萬元 ) FY17 4Q17 綜合損益表 ( 合併 ) FY16 FY17 FY18 % Chg 4Q17 4Q18 % Chg 自留保費收入 605,910 608,404 559,386-8% 169,696 166,666-2% 自留滿期保費收入 605,231 607,547 558,929-8% 169,010 165,997-2% 再保佣金收入 363 301 762 153% 7 306 4591% 手續費收入 5,542 9,468 9,148-3% 2,556 2,082-19% 經常性投資收益 161,051 173,846 197,281 13% 40,690 47,099 16% 投資處分損益 權益類已實現 ( 損 ) 益 18,210 43,625 49,374 13% 10,323 4,430-57% 債務類已實現 ( 損 ) 益 29,382 21,233 15,092-29% 4,763 2,358-50% 投資性不動產 ( 損 ) 益 5,000 (756) (740) 2% (384) (108) 72% 外匯及其他 (21,333) (28,258) (44,019) -56% (6,509) (14,854) -128% 淨投資損益 192,310 209,691 216,988 3% 48,882 38,925-20% 其他營業收入 5,032 5,069 5,508 9% 1,298 1,470 13% 分離帳戶保險商品收益 39,589 44,304 28,084-37% 8,052 (1,596) -120% 自留保險賠款與給付 (297,201) (284,023) (357,244) 26% (73,107) (101,642) 39% 其他保險負債及其他相關準備淨變動 (408,398) (445,843) (333,716) -25% (126,658) (94,603) -25% 承保及佣金費用 (38,901) (32,507) (33,900) 4% (9,455) (9,150) -3% 其他營業成本 (6,381) (6,418) (7,765) 21% (1,816) (2,059) 13% 財務成本 (413) (1,963) (2,331) 19% (590) (592) 0% 分離帳戶保險商品費用 (39,589) (44,304) (28,084) -37% (8,052) 1,596-120% 營業費用 (30,768) (28,790) (29,165) 1% (7,578) (7,614) 0% 營業外收入及支出 1,956 1,442 1,312-9% 424 245-42% 所得稅 ( 費用 ) 利益 1,861 2,294 1,773-23% 2,346 683-71% 本期淨利 30,235 36,268 30,297-16% 5,317 (5,952) -212% 資產負債表 總資產 5,556,950 6,097,655 6,391,395 一般帳戶 5,058,936 5,542,385 5,844,430 分離帳戶 498,014 555,269 546,964 保險負債及其他相關準備 4,567,324 4,944,292 5,313,167 總負債 5,192,967 5,656,473 6,029,265 總權益 363,984 441,181 362,129 營運指標初年度保費收入 (FYP) 199,082 233,250 211,588 初年度等價保費收入 (FYPE) 135,035 78,602 71,372 費用率 10.3% 8.6% 9.6% 13 個月繼續率 98.3% 98.2% 98.4% 25 個月繼續率 92.2% 94.3% 94.7% 平均股東權益報酬率 8.49% 9.01% 7.25% 平均資產報酬率 0.56% 0.62% 0.48% 資本適足率指標 ( 個體 ) 資本適足率 (RBC ratio) 305% 309% 292% 註 : (1) 本頁所有資訊僅供參考, 詳細內容請參考查核之財務報告 (2) 因四捨五入, 直接加總不一定等於總數 (3) 2018/1/1 起採用 IFRS9, 前期資訊選擇不予重編 56

國泰世華銀行 FY18/ 4Q18/ ( 新台幣 - 百萬元 ) FY17 4Q17 綜合損益表 ( 合併 ) FY16 FY17 FY18 % Chg 4Q17 4Q18 % Chg 營業收入利息淨收益 25,910 29,701 33,397 12% 7,608 8,799 16% 手續費淨收益 15,745 14,862 16,678 12% 3,243 3,805 17% 投資收益 8,278 9,442 9,862 4% 2,157 1,073-50% 其他淨收益 1,222 1,216 918-25% 234 299 28% 淨收益 51,154 55,222 60,855 10% 13,241 13,976 6% 營業費用 (26,959) (29,301) (31,340) 7% (8,700) (8,233) -5% 提存前淨利 24,195 25,920 29,515 14% 4,541 5,743 26% 呆帳費用及保證責任準備提存 (4,455) (3,494) (5,032) 44% (1,616) (2,720) 68% 稅前淨利 19,740 22,426 24,483 9% 2,926 3,023 3% 所得稅費用 (2,229) (2,763) (3,230) 17% (280) (174) -38% 本期淨利 17,511 19,664 21,253 8% 2,646 2,849 8% 資產負債表總資產 2,566,669 2,735,704 2,843,881 貼現及放款 - 淨額 1,437,531 1,434,558 1,595,323 金融資產 849,989 859,590 878,001 總負債 2,406,701 2,553,396 2,638,074 存款及匯款 2,032,600 2,098,368 2,227,662 應付金融債券 51,900 63,350 55,600 總權益 159,968 182,308 205,807 營運指標成本收入比率 52.70% 53.06% 51.50% 平均股東權益報酬率 11.06% 11.49% 10.86% 平均資產報酬率 0.71% 0.74% 0.76% 資產品質 ( 個體 ) 逾期放款 2,133 2,982 2,563 逾期放款比率 0.15% 0.21% 0.16% 備抵呆帳 19,686 22,553 23,879 備抵呆帳覆蓋率 923% 756% 932% 資本適足率指標 ( 個體 ) 資本適足率 (BIS Ratio) 14.2% 15.9% 15.0% 第一類資本比率 10.7% 11.7% 11.9% 存放比 ( 個體 ) 台幣存放比 78.8% 73.7% 77.7% 外幣存放比 40.4% 49.1% 46.6% 註 : (1) 本頁所有資訊僅供參考, 詳細內容請參考查核之財務報告 (2) 因四捨五入, 直接加總不一定等於總數 (3) 2018/1/1 起採用 IFRS9, 前期資訊選擇不予重編 57

國泰產險 FY18/ 4Q18/ ( 新台幣 - 百萬元 ) FY17 3Q17 綜合損益表 ( 合併 ) FY16 FY17 FY18 % Chg 4Q17 4Q18 % Chg 保費收入 22,774 21,878 23,186 6% 5,830 6,144 5% 自留保費收入 17,390 16,610 17,797 7% 4,355 4,635 6% 自留滿期保費收入 17,213 16,344 17,349 6% 4,163 4,437 7% 再保佣金收入 526 489 556 14% 134 162 21% 手續費收入 44 42 43 3% 10 11 4% 淨投資損益 2,082 892 640-28% 128 (165) -228% 利息收入 568 547 559 2% 138 138 0% 其他淨投資損益 1,514 345 81-76% (9) (303) -3181% 其他營業收入 0 0 0 0 0 自留保險賠款與給付 (9,559) (9,138) (9,408) 3% (2,389) (2,433) 2% 保險負債淨變動 (209) 10 (406) 4148% 116 (198) 271% 佣金及其他營業成本 (3,015) (2,859) (3,043) 6% (756) (800) 6% 營業費用 (4,248) (3,609) (3,848) 7% (969) (1,028) 6% 營業利益 2,834 2,170 1,883-13% 438 (13) -103% 營業外收入及支出 (1) (16) (24) -53% (2) (15) -675% 所得稅費用 (492) (297) (349) 18% (81) (40) -50% 本期淨利 2,342 1,858 1,510-19% 356 (68) -119% 資產負債表 總資產 38,250 38,351 37,956 總權益 9,216 10,517 10,025 營運指標簽單綜合率 99.3% 80.0% 81.8% 自留綜合率 93.3% 90.9% 92.2% 平均股東權益報酬率 28.50% 18.83% 14.69% 平均資產報酬率 5.83% 4.85% 3.96% 資本適足率指標 ( 個體 ) 資本適足率 (RBC ratio) 385% 392% 370% 註 : (1) 本頁所有資訊僅供參考, 詳細內容請參考查核之財務報告 (2) 因四捨五入, 直接加總不一定等於總數 (3) 2018/1/1 起採用 IFRS9, 前期資訊選擇不予重編 58