台湾金融行业市场前景及投资研究报告-培训课件外文版2024.4安卓鸿蒙苹果

INDUSTRIES

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MARKETSFinancialindustryinTaiwanCHAPTER

01OverviewGrossdomesticproduct(GDP)atcurrentpricesinTaiwanfrom2013to2023withaforecastuntil2024(inbillionNewTaiwandollars)Grossdomesticproduct(GDP)ofTaiwan2013-202430,00025,00024,861.5123,550.8522,679.8421,663.2319,914.8120,00015,00010,0005,000018,908.6318,375.0217,983.3517,555.2717,055.0816,258.0515,270.7320132014201520162017201820192020202120222023*2024**3Description:In2023,thegrossdomesticproduct(GDP)atcurrentpricesofTaiwanamountedtoaround23.6trillionNewTaiwandollars.GDPgrowthin2024wasforecastedat3.43percent.

ReadmoreNote(s):Taiwan;2013to2023;*Advanceestimate.**ForecastpublishedinQ42023.OneNewTaiwandollarequalsabout0.032U.S.dollarsand0.03euros(asofMay2023).

ReadmoreSource(s):TaiwanNationalStatisticsDistributionofthegrossdomesticproduct(GDP)inTaiwanin2022,byindustryGDPcompositioninTaiwan2022,byindustryShareofGDP5%

10%0%15%20%25%30%35%40%Manufacturing34.24%WholesaleandretailtradeRealestateandresidentialservicesFinanceandinsurance15.82%7.53%6.4%5.49%3.94%3.41%Publicadministration,defense,andcompulsorysocialsecurityTransportandstorageEducationalservicesConstruction3.27%3.08%3.02%InformationandtelecommunicationHealthcareandsocialworkservicesHotelsandcateringservices2.33%2.29%1.57%Researchandtechnology,professionalservicesSupportservices4Description:In2022,approximately34.2percentofTaiwan'sgrossdomesticproduct(GDP)wasgeneratedbythemanufacturingsector.AlthoughTaiwan'seconomyisinnovatingquickly,manufacturingisstillanimportantindustryontheisland.ReadmoreNote(s):Taiwan;2022Source(s):NationalDevelopmentCouncil(Taiwan)TotalnumberoffinancialinstitutionsinTaiwanfrom2012to2022NumberoffinancialinstitutionsinTaiwan2012-20226,0005,5935,5945,5825,5775,5735,5655,5345,5515,5645,5775,5405,0004,0003,0002,0001,0000201220132014201520162017201820192020202120225Description:ThisstatisticshowsthetotalnumberoffinancialinstitutionsinTaiwanfrom2012to2022.Bytheendof2022,therewere5,540financialinstitutionsintotalinTaiwan,fourlessthaninthepreviousyear.ReadmoreNote(s):Taiwan;2012to2022Source(s):CBC;TaiwanNationalStatisticsNumberoffinancialinstitutionsinTaiwanin2022,bytypeNumberoffinancialinstitutionsinTaiwan2022,bytypeNumberofinstitutions01,0002,0003,0004,0005,0006,000TotalDomesticbanks5,5403,619Creditdepartmentsoffarmers'associationsCreditcooperativeassociationsDomesticpropertyandcasualtyinsurancecompaniesDomesticlifeinsurancecompaniesCreditdepartmentsoffishermen'sassociationsForeignbanksBillsfinancecompaniesFinancialholdingcompaniesForeignpropertyandcasualtyinsurancecompaniesSecuritiesfinancecompanies1,0863111821397263381563ForeignlifeinsurancecompaniesDomesticreinsurancecompaniesForeignreinsurancecompanies2226Description:ThisstatisticshowsthenumberoffinancialinstitutionsinTaiwanin2022,brokendownbytype.Bytheendof2022,therewere5,540financialinstitutionsintotalinTaiwan,3,619ofwhichweredomesticbanks.ReadmoreNote(s):Taiwan;2022Source(s):CBC;TaiwanNationalStatisticsCHAPTER

02InsuranceTotalnumberoflifeinsurancecompaniesinTaiwanfrom2012to2022,bytypeNumberoflifeinsurancecompaniesinTaiwan2012-2022,bytypeDomesticForeign18015715615516014012010080153151153153146146139139604020655520174444442020122013201420152016201820192020202120228Description:ThisstatisticshowsthetotalnumberoflifeinsurancecompaniesinTaiwanfrom2012to2022,brokendownbytype.Bytheendof2022,therewere139domesticandfourforeignlifeinsurancecompaniesinTaiwan.Incomparison,thenumberofdomesticandforeignpropertyandcasualtyinsurancecompaniesthatyearwas182andsixrespectively.ReadmoreNote(s):Taiwan;2012to2022Source(s):CBC;TaiwanNationalStatisticsTotalnumberofpropertyandcasualtyinsurancecompaniesinTaiwanfrom2012to2022,bytypeNumberofpropertyandcasualtyinsurancecompaniesinTaiwan2012-2022,bytypeDomesticForeign25019420015010050189190185185185186186186182182665566201777666020122013201420152016201820192020202120229/statistics/950310/taiwan-total-number-of-property-and-casualty-insurance-companies-by-typeThisstatisticshowsthetotalnumberofpropertyandcasualtyinsurancecompaniesinTaiwanfrom2012to2022,brokendownbytype.Bytheendof2022,therewere182domesticandsixforeignpropertyandcasualtyinsurancecompaniesinTaiwan.ReadmoreNote(s):Taiwan;2012to2022Source(s):CBC;TaiwanNationalStatisticsPremiumincomeoflifeandnon-lifeinsurancecompaniesinTaiwanfrom2016to2022(inbillionNewTaiwandollars)PremiumincomeofinsurersinTaiwan2016-2022,bytypeNon-lifeinsurers3,512Lifeinsurers4,0003,5003,0002,5002,0001,5001,0005003,4673,4203,1643,1332,9712,334.4207221.21461571661771880201620172018201920202021202210Description:In2022,thetotalpremiumincomeofinsurancecompaniesinTaiwanexceeded2.5trillionNewTaiwandollars.Thereby,lifeinsurancerevenueaccountedforover90percentoftheindustry'spremiumincome.Intotal,over11percentofTaiwan'sgrossnationalincome(GNI)camefrominsurancepremiums.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)Lossesoflifeandnon-lifeinsurancecompaniesinTaiwanfrom2016to2022(inbillionNewTaiwandollars)LossesofinsurersinTaiwan2016-2022,bytypeNon-lifeinsurersLifeinsurers1,9422,5002,0001,5001,0005002,169.31,9181,8761,8731,6551,625299.678.588.480.38889.9950201620172018201920202021202211Description:In2022,thetotallossofinsurancecompaniesinTaiwanexceededtwotrillionNewTaiwandollars.Thereby,lifeinsurancerevenueaccountedforover95percentoftheindustry'spremiumincome.Incontrast,theindustry'spremiumincomereachedover2.5trillionNewTaiwandollars.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)Valueofassetsfromlifeandnon-lifeinsurancecompaniesinTaiwanfrom2016to2022(inbillionNewTaiwandollars)TotalassetsofinsurancecompaniesinTaiwan2016-2022,bytypeNon-lifeinsurersLifeinsurers40,00035,00030,00025,00020,00015,00010,0005,000033,623.833,34231,75229,44726,31824,46222,210345348354385411455452.9202220162017201820192020202112Description:In2022,thetotalassetsoflifeinsurancecompaniesinTaiwanamountedtoover34trillionNewTaiwandollars.Incomparisontothat,non-lifeinsurersonlyhadassetsvalued453billionNewTaiwandollarsontheirbooks.Together,theassetsofallinsurersaccountedforaround34percentofthetotalassetsofallfinancialinstitutionsintheregion.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)Penetrationrateoflifeandnon-lifeinsurancecompaniesinTaiwanfrom2016to2022PenetrationofinsurersinTaiwan2016-2022,bytypeNon-lifeinsurers19.75%Lifeinsurers18.34%25%19.61%20%15%10%5%18.3%16.02%13.72%10.28%0.85%20160.9%20170.93%20180.94%20190.95%20200.96%20210.97%20220%13Description:In2022,thepenetrationrateoflifeinsuranceinTaiwanwasover10percentandthepenetrationrateofnon-lifeinsurancewasunderonepercent.Thereby,lifeinsurancerevenueaccountedforover95percentoftheindustry'spremiumincome.Incontrast,theindustry'spremiumincomereachedover2.5trillionNewTaiwandollars.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)CHAPTER

03BankingTotalnumberofdomesticbanksinTaiwanfrom2012to2022NumberofdomesticbanksinTaiwan2012-20224,0003,6593,6543,6513,6463,6323,6273,6303,6303,6383,6193,6043,5003,0002,5002,0001,5001,00050002012201320142015201620172018201920202021202215Description:ThisstatisticshowsthetotalnumberofdomesticbanksinTaiwanfrom2012to2022.Bytheendof2022,therewere3,619domesticbanksintotalinTaiwan,thesameasinthepreviousyear.Incomparison,thenumberofforeignbanksinTaiwanin2022was63.ReadmoreNote(s):Taiwan;2012to2022Source(s):CBC;TaiwanNationalStatisticsTotalnumberofforeignbanksinTaiwanfrom2012to2022NumberofforeignbanksinTaiwan2012-20228070605040302010076646463636262616161612012201320142015201620172018201920202021202216Description:ThisstatisticshowsthetotalnumberofforeignbanksinTaiwanfrom2012to2022.Bytheendof2022,therewere63foreignbanksintotalinTaiwan,thesameasinthepreviousyear.

ReadmoreNote(s):Taiwan;2012to2022Source(s):CBC;TaiwanNationalStatisticsTotalnumberofcreditcooperativeassociationsinTaiwanfrom2012to2022NumberofcreditcooperativeassociationsinTaiwan2012-20223503003103113073082992902832812792762692502001501005002012201320142015201620172018201920202021202217Description:ThisstatisticshowsthetotalnumberofcreditcooperativeassociationsinTaiwanfrom2012to2022.Bytheendof2022,therewere311creditcooperativeassociationsintotalinTaiwan,oneinstitutionmorethaninthepreviousyear.

ReadmoreNote(s):Taiwan;2012to2022Source(s):CBC;TaiwanNationalStatisticsRatioofnon-performingloanstototalloansofTaiwan'sdomesticbanksfrom2013to2022Non-performingloanratioofTaiwan'sdomesticbanks2013-20220.5%0.39%0.4%0.4%0.3%0.3%0.2%0.2%0.1%0.1%0.0%0.28%0.27%0.25%0.24%0.24%0.22%0.22%0.17%0.15%202220132014201520162017201820192020202118Description:In2021,0.15percentofloansfromTaiwan'sdomesticbankswerenon-performingloans,0.02percentagepointsdownfromtheyearprior.

ReadmoreNote(s):Taiwan;2013to2022Source(s):CBCProvisioncoverageratioofTaiwan'sdomesticbanksfrom2013to2022ProvisioncoverageratioofTaiwan'sdomesticbanks2013-20221,000%916.53%900%800%700%600%500%400%300%200%100%0%781.47%650.3%623.74%573.67%547.66%502.87%503.45%490.59%311.65%201320142015201620172018201920202021202219Description:In2022,theprovisioncoverageratioofTaiwan'sdomesticbanksamountedto916.53percent,upfromaround781.47percentin2021.

ReadmoreNote(s):Taiwan;2013to2022Source(s):CBCReturn-on-assets(ROA)ofTaiwan'sdomesticbanksfrom2015to2022Return-on-assetsofTaiwan'sdomesticbanks2015-20220.9%0.79%0.8%0.7%0.6%0.5%0.4%0.3%0.2%0.1%0.0%0.75%0.72%0.7%0.68%0.68%0.68%0.67%0.64%0.59%0.59%0.59%0.58%0.28%20090.16%2008201020112012201320142015201620172018201920202021202220Description:In2022,thereturn-on-assetsofTaiwan'sdomesticbanksamountedto0.64percent,thesameasinthepreviousyear.Bytheendof2017,atotalof3,417branchofficesof38commercialbankswerelocatedinTaiwan.

ReadmoreNote(s):Taiwan;2015to2022Source(s):FinancialSupervisoryCommission(Taiwan)LeadingbanksinTaiwanin2023,basedonnumberofdigitaldepositaccounts(in1,000s)Leadingbanks2023,bydigitaldepositaccountnumberNumberofaccountsinthousands05001,0001,5002,0002,5003,0003,5004,0003,638.83TaishinInternationalBankCathayUnitedBankLineBank2,249.561,725.571,569.951,560.08BankSinoPacCo.,Ltd.FirstCommercialBankCTBCBank1,116.5HuaNanCommercialBank,Ltd.E.SUNCommercialBankTaipeiFubonBank857.07812.91799.77ChangHwaBank771.0921Description:In2023,demandfordigitalfinancialservicesinTaiwansoaredamidthepandemic-fightingandon-offlockdowns.Inthatyear,TaishinInternationalBankwastheregionalleader,having3.64milliondigitaldepositaccounts.Theoverallnumberofdigitalbankaccountsreachedalmost20millionintheregion.ReadmoreNote(s):Taiwan;2023Source(s):FinancialSupervisoryCommission(Taiwan)CHAPTER

04SecuritiesandfuturesTotaltradingvalueofstocksonTaiwanStockExchangemarketfrom2012to2022(intrillionNewTaiwandollars)StocktradingvalueonTaiwanStockExchangemarket2012-20221009080706050403092.2956.0845.6529.61201826.46201923.97201721.920.24201220.19201518.94201316.77201620100201420202021202223Description:ThisstatisticshowsthetotaltradingvalueofstocksonTaiwanStockExchangemarketfrom2012to2022.In2022,thetotalstocktradingvalueonTaiwanStockExchangemarketreachedaround56trillionNewTaiwandollars.ReadmoreNote(s):Taiwan;2012to2022Source(s):ExecutiveYuan;TaiwanNationalStatisticsMarketcapitalizationoftheTaiwanStockExchange(TWSE)inTaiwanfrom2016to2022(intrillionNewTaiwandollars)MarketvalueoftheTWSEinTaiwan2016-202260504056.2844.944.2736.4131.8329.32302010027.25201620172018201920202021202224Description:In2022,the971tradedcompaniesattheTaiwanStockExchangehadamarketcapitalizationofover44trillionNewTaiwandollars.Itwasoneoftwostockexchangesintheregion.TheotheronewastheTaipeiExchangewhichlists808companiesbutonlyhasamarketvalueofaroundfourtrillionNewTaiwandollars.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)MarketcapitalizationoftheTaipeiExchange(TPEx)inTaiwanfrom2016to2022(intrillionNewTaiwandollars)MarketcapitalizationoftheTPExinTaiwan2016-20227655.784.424.3543.433.322.8332102.72201620172018201920202021202225Description:In2022,the808tradedcompaniesattheTaipeiExchangehadamarketcapitalizationofaroundfourtrillionNewTaiwandollars.Itwasoneoftwostockexchangesintheregion.TheotheronewastheTaiwanStockExchangewhichwastheregion'smainboursewithamarketvalueofover44trillionNewTaiwandollars.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)TradingvalueofsecuritiesattheTaiwanStockExchange(TWSE)inTaiwanfrom2016to2022(inbillionNewTaiwandollars),bytypeSecuritiestradingvalueontheTWSEinTaiwan2016-2022,typeStocksETFsBeneficiarysecuritiesWarrantsTDRs120,000100,00080,00060,00040,00020,0000201620172018201920202021202226Description:In2022,thetradingvalueofstocksattheTaiwanStockExchange(TWSE)amountedtoover56trillionNewTaiwandollars.Itwasbyfarthemosttradedtypeofsecurityonthebourse.TheTWSEwasalsoaverypopulardestinationforoverseastraderswhoseownershipaccountedforaroundone-quarterofallsharesontheexchange.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)TradingvalueofsecuritiesattheTaipeiExchange(TPEx)inTaiwanfrom2016to2022(inbillionNewTaiwandollars)SecuritiestradingvalueontheTPExinTaiwan2016-2022,typeStocksWarrantsBonds(includingoutrightsandRepos)60,00050,00040,00030,00020,00010,000029,17148,21840,60445,81549,69744,67729,95717713415520,2762128,1462277,6841457,60814,87912,0871295,050201620172018201920202021202227Description:In2022,themosttradedsecurityontheTaipeiExchange(TPEx)werebondswithanannualvalueofover29trillionNewTaiwandollars.However,thegraphshowsthatthetradingvalueofbondshaddecreasedandthetradingvalueofstockshadincreasedoverthepastsixyears.Together,thesetwotypesofsecuritieshadatradingvalueofalmost45trillionNewTaiwandollars.ReadmoreNote(s):Taiwan;2016to2022Source(s):FinancialSupervisoryCommission(Taiwan)TradingvolumeoffuturesandoptionsinTaiwanfrom2016to2022(inmillionlots)TradingvolumeoffuturesandoptionsinTaiwan2016-2022FuturesOptions450400350300250197.75201.16202.24195.35200170.72187.3168.5815010050194.452021183.312022139.152020112.73201890.04201978.41201773.10201628Description:In2022,over384millionlotsoffuturesandoptionshavebeentradedontheTaiwanesefuturesmarketswhichwerearound140millionmorethanin2016.Thereby,thetradingshareoffuturesandoptionswasroughly50-50.

ReadmoreNote(s):Taiwan;2016to2022Source(s):Financi