《金融股》外資喊加碼中信金 目標價23.6 - 股票
By Ula
at 2020-11-24T10:28
at 2020-11-24T10:28
Table of Contents
《金融股》外資喊加碼中信金 目標價23.6元
https://www.chinatimes.com/realtimenews/20201124001499-260410?chdtv
時報資訊 任珮云
中信金(2891)法說會後，外資法人出具報告給予「加碼」評等，目標價23.6元。
中信金1~9月稅後盈餘361.26億元，每股稅後盈餘(EPS)為1.8元，稅後權益報酬率(ROE)為
13.6%，稅後資產報酬率(ROA)為0.76%。各子公司中以中國信託銀行獲利占比59%最高，其
次為台灣人壽占比44%。
中國信託銀行前3季合併稅後盈餘214.55億元，房貸與信貸帶動放款動能，合併逾期放款
比率為0.48%，合併呆帳覆蓋率為293.6%；前3季手續費淨收益259.20億元，其中信用卡手
續費收入占約13%，低於去年同期的15%，整體金控資本適足率為115.8%，中國信託資本適
足率13.5%，第一類資本比率12%。外資指出，中信銀針對核心系統更換編列了約77億元的
資本支出。
在保險業務上，台灣人壽第3季總保費收入494.76億元，季成長率19.5%，初年度保費收入
229.16億元，季成長46.8%，前3季總保費收入1,507.64億元，少於去年同期的1,683.80億
元，初年度保費收入618.41億元，也較去年的628.71億元下滑。準備金負債成本持續下降
，年降幅達34個基點，加上投資收益挹注，稅後淨利年增率達14.4%。
中信銀今年全年財管淨手收預估數，從持平到年增5%，全年挑戰160億元、近5年新高。
預期獲利大增 大伙兒快上
--
https://www.chinatimes.com/realtimenews/20201124001499-260410?chdtv
時報資訊 任珮云
中信金(2891)法說會後，外資法人出具報告給予「加碼」評等，目標價23.6元。
中信金1~9月稅後盈餘361.26億元，每股稅後盈餘(EPS)為1.8元，稅後權益報酬率(ROE)為
13.6%，稅後資產報酬率(ROA)為0.76%。各子公司中以中國信託銀行獲利占比59%最高，其
次為台灣人壽占比44%。
中國信託銀行前3季合併稅後盈餘214.55億元，房貸與信貸帶動放款動能，合併逾期放款
比率為0.48%，合併呆帳覆蓋率為293.6%；前3季手續費淨收益259.20億元，其中信用卡手
續費收入占約13%，低於去年同期的15%，整體金控資本適足率為115.8%，中國信託資本適
足率13.5%，第一類資本比率12%。外資指出，中信銀針對核心系統更換編列了約77億元的
資本支出。
在保險業務上，台灣人壽第3季總保費收入494.76億元，季成長率19.5%，初年度保費收入
229.16億元，季成長46.8%，前3季總保費收入1,507.64億元，少於去年同期的1,683.80億
元，初年度保費收入618.41億元，也較去年的628.71億元下滑。準備金負債成本持續下降
，年降幅達34個基點，加上投資收益挹注，稅後淨利年增率達14.4%。
中信銀今年全年財管淨手收預估數，從持平到年增5%，全年挑戰160億元、近5年新高。
預期獲利大增 大伙兒快上
--
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