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E.S.F.H Interim / Quarterly Report 2022

Nov 11, 2022

52215_rns_2022-11-11_b005aa03-8964-47d4-94aa-dcc4c8b18a24.pdf

Interim / Quarterly Report

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E.SUN FHC Financial Review of 3Q 2022

November 2022

Disclaimer

This Presentation is provided by E.SUN Financial Holding Co., Ltd. (‘E.SUN FHC’). E.SUN makes no guarantee or warranties as to the accuracy or correctness of all the material contained. After this is released to the we presentation public, undertake no obligation to update any relevant data to reflect any change hereafter.

This contain statements. Statements that are presentation may forward-looking not historical facts, including statements relating to the implementation of strategic initiatives, future business development and economic performance are forward-looking statements. Those statements involve uncertainties, risks, assumptions and other factors that could cause actual developments and results to differ materially from our statement in this presentation.

Agenda

  • 2022 3Q Financial Performance

  • 2022 3Q Business Operation Overview

  • Appendix

E.SUN FHC Summary

Unit : NT$ million
2022.09/1
2021.12
Total Assets FHC
3,492,566
3,230,908
Bank
3,469,228
3,196,117
Securities
19,655
30,809
Venture Capital
5,178
5,248
Key Financials Book value per share (NT$)
12.98
14.54
Double Leverage Ratio
103.30%
103.06%
FHC CAR
119.83%/2
123.48%
Channels Bank – domestic
139
139
Oversea channels
Branch: HK, LA, Singapore, Vietnam, Myanmar,
Japan, Sydney, Brisbane
Subsidiary: China and Cambodia (UCB)
Rep office in Hanoi, HCM City, and Bangkok
30 overseas sites
Securities - branches
17
17

Note: 1. Preliminary figures of Sep. 2022

2. Audit figures of Jun. 2022

3. Share owned by QFII: 35.2%, as of Sep. 30, 2022

2

3Q22 Business and Financial Review

Financial Performance

  • For 9M22, E.SUN FHC’s net revenues was NT$40 billion. Net profit was NT$11.6 billion (-26.7%).

  • EPS NT$0.82, ROE 8.18%, ROA 0.46%

  • As of October, net profit was NT$12.8 billion (-25.7%), EPS NT$0.9.

Business Operation

  • Balanced growth of loan and deposit helped boost NII by 21.2%. Loan growth 11.3%, in which FCY growth was 23.9%; Deposit growth 11.8%, in which FCY growth was 24.2% (yoy). As of 3Q, sustainability related loan accounted for 34% of corporate loan balance.

  • Net fee income NT$ 14.6 billion (-8.5%). WM fee income NT$ 6 billion decreased by 19.3% due to volatility in financial market. Credit card fee NT $4.6 billion (+12.1%), corporate banking fee NT $1.5 billion (+25.4%). Fee income is expected to improve with recovery of tourism/consumption.

  • Asset quality was benign, NPL ratio at 0.16% and coverage ratio at 740.3%.

Highlights

  • Honors and recognitions: Winner of 1[st] place award in Commonwealth CSR Award (Large Corporates); Winner of TABF’s Best Practice Award in Corporate Banking, Overseas Development, and ESG categories; “Best Wealth Manager” and “Best Private Bank in ESG” by The Asset; The AI enabled “AML system” was awarded “Best in Future of Operations in Taiwan” by IDC.

  • ESG: Nominated as founding member of “Coalition of Movers and Shakers on Sustainable Finance” by FSC.

  • E.SUN’s ESG Initiative: 101 companies joined E.SUN ESG Initiative and collectively committed to reduce a total of 1.57 million tons carbon emission by 2025. 46 companies committed to net zero target by 2050.

3

Financial Performance

Unit: NT$ million

Net ProfitNet Profit

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EPSEPSEPS
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Unit: NT$ dollars

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20,105 20,559
18,027
17,068
11,643
2018 2019 2020 2021 9M22
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ROE
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1.73
1.58 1.54
1.43
0.82
2018 2019 2020 2021 9M22
ROA
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12.07%
11.04% 10.95%
10.17%
8.18%
2018 2019 2020 2021 9M22
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0.84%
0.78%
0.66% 0.66%
0.46%
2018 2019 2020 2021 9M22
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Note: Preliminary figures of Sep. 2022

4

Net Income of FHC & its Subsidiaries

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Contribution by Subsidiaries Contribution by Subsidiaries Net Income of FHC and its Subsidiaries
Unit: NT$ million
Bank 9M21
91.0%
9M22
15,885.0
13,907.3
11,642.9
10,742.9
Securities
VC 6.9% 1,321.8 813.3 875.9
249.6
2.1%
Bank Securities VC FHC
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Note: Preliminary figures of Sep. 2022

5

Net Profit Breakdown

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Unit: NT$ million
40,039 (23,698)
9M22 P&L
(1,503)
(3,184) 11,643
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
9M21 P&L -7.4% +0.5% -26.7%
43,229 (23,572)
(1,079)
(2,679) 15,885
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
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Note: Preliminary figures of Sep. 2022

6

FHC Revenue Breakdown

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Contribution by SubsidiariesTotal Net Revenue
YoY Comparison
NT$ 40,039 million
Unit: NT$ million
+21.2% YoY
9M21
23,035 9M22
Net Fee Income
36.4%
19,007
15,931
14,581
Net Interest
Income
57.5% Fixed
8,291
Income, FX
& Others
6.1%
2,423
Note: Preliminary figures of Sep. 2022
Net Interest Income Net Fee Income Fixed Income, FX &
Others
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7

Net Fee Income Breakdown

Contribution by SubsidiariesTotal Net Fee Income NT$ 14,581 million

YoY Comparison

Unit: NT$ million

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Corporate
Consumer Banking
Brokerage &
Banking 10.4% others 9M21
+12.1% YoY
1.6% 9M22
Wealth 15.1%
7,459
Management
41.3%
6,017
4,607
4,109
2,932
+25.4% YoY
2,197
1,524
1,215
Credit Card
31.6% 216 236
Credit Card Wealth Consumer Corporate Brokerage
Management Banking Banking & Others
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Note: Preliminary figures of Sep. 2022

8

Credit Card Business Breakdown

Active Cards

Card Consumption

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Unit: Thousand Cards, %
Active Cards Market Share
13.1% 13.6% 13.4% 13.2%
11.5%
4,488 4,531 4,607
4,174
3,404
2018 2019 2020 2021 9M22
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Unit: NT$ million

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Consumption Market Share
15.5%
14.6%
13.3% 14.2%
11.7%
472,743 455,935
430,521
359,757
340,160
2018 2019 2020 2021 9M22
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Per Card Spending (Monthly)

Gross Fee Income

Unit: NT$ dollar

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8,595 8,778 8,677
8,327 8,385
2018 2019 2020 2021 9M22
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Unit: NT$ million

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9,221
8,339 8,596
6,789
6,168
2018 2019 2020 2021 9M22
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Note: Market share data as of Aug. 2022

9

Deposit and Loan Structure

Unit: NT$ Bn

Category 2022.9 QoQ
Growth %		 2022.6 Ytd
Growth %		 2021
Total Deposits/1 2,855.3 2.6% 2,784.0 5.8% 2,698.6
Demand Deposits 1,077.2 -0.3% 1,080.0 -1.4% 1,093.0
Time Deposits/1 614.2 0.2% 612.8 2.6% 598.9
FCY Deposits 1,163.9 6.7% 1,091.2 15.6% 1,006.7
Total Loans/1、2 1,941.4 2.4% 1,895.8 8.4% 1,790.7
Corporate Loans 923.6 3.1% 895.9 10.0% 839.6
SME Loans 495.5 1.8% 486.5 5.7% 468.6
FCY Loans/1、2 379.7 5.5% 360.0 21.3% 313.0
Consumer Loans 957.7 1.5% 943.7 6.6% 898.7
Mortgage Loan 478.5 1.6% 470.8 8.6% 440.7
Unsecured Personal Loan 134.0 -2.3% 137.1 -2.4% 137.3
Credit Card Revolving Balance 12.8 3.2% 12.4 4.1% 12.3

Note: 1. E.SUN Bank Consolidated

2. Loan balance of subsidiaries NT$59.5 billion

10

Deposit Structure

Contribution by Subsidiaries Loan to Deposit Ratio

Deposit Structure

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LDR FX LDR NTD LDR
92.3%
90.7%
86.9% 85.8% 87.6%
65.7% 67.3% 66.2% 68.1% 68.0%
31.5% 33.0% 31.0% 33.0% 32.6%
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Unit: NT $Bn 9M21
9M22
+24.2% YoY
1,163.9
1,077.2
1,043.8
937.4
614.2
574.9
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2020 6M21 2021 6M22 9M22
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NTD Demand Deposits

NTD Time Deposits

FCY Deposits

11

Loan Portfolio Breakdown

Contribution by SubsidiariesTotal Loan $ 1,894 billion

YoY Comparison

Unit: NT$ Bn

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495.5 9M21
SME 26.2% 478.5
464.4 9M22
Mortgage 428.1 423.9
25.3%
361.7 344.6
Large
Corporate 310.0
22.6%
134.0
132.5
Credit Card 12.3 12.8
Secured
Revolving Unsecured
Personal Loan
0.6% Personal Loan Large SME Mortgage Credit Card Unsecured Secured
18.2%
7.1% Corporate Personal Personal
Loan Loan
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Note: 1. Secured Personal Loan is fully collateralized by fixed asset 2. Data of E.SUN Bank standalone

12

NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

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Overall Lending Rate Overall Deposit Rate Interest Spread

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NIM
1.40% 1.41%
1.33% 1.31% 1.30% 1.34%
1.23% 1.23%
1.18% 1.18% 1.18% 1.20%
2.27%
1.86%
1.65% 1.61% 1.60% 1.63%
0.86%
2Q 21 3Q21 4Q21 1Q22 2Q22 3Q22 2Q 21 3Q 21 4Q21 1Q22 2Q22 3Q22
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13

1/3 Superior Asset Quality

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Contribution by Subsidiaries NPL Ratio
Unit: NT$ million
NPL NPL Ratio
3,045 3,026 3,106
2,855
2,719
0.19%
0.17%
0.16% 0.16%
0.16%
2020 6M21 2021 6M22 9M22
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Coverage Ratio

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Unit: NT$ million
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Loan Loss Reserve Coverage Ratio
22,994
22,509
21,312
19,985 20,072
783.8%
743.8% 740.3%
703.2%
656.3%
2020 6M21 2021 6M22 9M22
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Note: Data of E.SUN Bank standalone

14

2/3 Superior Asset Quality

Contribution by Subsidiaries NPL Ratio for Major Products

NPL Ratio for Credit Card

Unit: NT$ million

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Corporate NPL Ratio Mortgage NPL Ratio
0.21% 0.20%
0.18% 0.17% 0.18%
0.08%
0.06% 0.06% 0.06% 0.05%
2020 6M21 2021 6M22 9M22
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NPL NPL Ratio

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120 117 119
92
78
0.11% 0.17% 0.09% 0.15% 0.13%
2020 6M21 2021 6M22 9M22
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Note: Data of E.SUN Bank standalone

15

3/3 Superior Asset Quality

NPL Comparison with Market

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0.25%
Market avg. 0.21% 0.22% 0.21%
E.SUN
0.17%
0.16% 0.16%
0.19% 0.19% 0.19%
0.17%
0.16% 0.16% 0.16%
2019 6M20 2020 6M21 2021 6M22 9M22
Source: FSC
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16

Cost-Income Ratio

Unit: NT$ million

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Net Revenue
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Operating Expense(exclu. provision)
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Cost Income Ratio
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52,968.5 53,115.4 52,757.3
59.4% [2]
58.1%
56.7%
54.1%
37,711.0
30,884.9
29,934.6
28,652.3
22,418.0
2019 2020 2021 9M22
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Note: 1. Data of E.SUN Bank standalone 2. Preliminary figures of September 2022

17

Capital Adequacy Ratio

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FHC CAR Ratio
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Bank BIS Ratio

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Tier 2 Ratio Tier 1 Ratio

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136.20%
132.69%
122.57% 123.48%
119.83% 15.64%
14.77%
14.12% 13.97% 13.61%
2.64%
2.39%
2.58% 2.23%
2.56%
13.00% 12.38%
11.54% 11.74% 11.05%
6M20 2020 6M21 2021 6M22
6M20 2020 6M21 2021 6M22
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Note: 1. Audit figures of June 2022 2. BIS of E.SUN Bank standalone

19

Finance for a Sustainable Future

E.SUN in Green Finance Action Plan 3.0

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Sustain + Ability = Sustainability ESG Partner of clients

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Corporate transformation

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ESG linked loan # NT $35.9 billion #1 in issuance of sustainability bond # NT$19 billion

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34% of corporate loan is sustainability related

Industry development

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Most in Equator Principal loan cases # 41 cases approved Most diversified in renewable energy

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roof/ground/water surface/fish farm; onshore/offshore wind; geothermal; energy storage

Individual’s participation

Sustainability as a Service

To create greater value with sustainable financial service

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Innovative trust service for elderly # balance NT $4.5 billion

ESG theme mutual fund, green building mortgage, urban renovation mortgage

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The virtual E.SUN e credit card

20

E.SUN ESG Initiative

133 participating companies $6 trillion revenue (46 commit to 2050 net zero) (23% of annual GDP)

Make greater positive impact through ESG advisory, engagement, and product & services

21

Thank You

  • If you wish to know more about

  • E.SUN, please visit our website site (www.esunfhc.com.tw) for more information.

  • If you have further questions, please

  • feel free to contact us through email or conference call

  • For more information, please contact Investor Relations Department +8862 2175 1313 Ext 9347, 9310, 9302 [email protected]

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1/6 Appendix

Balance Sheet of E.SUN FHC and its subsidiaries as of Sep. 30, 2022

NT$ million
E.SUN Bank
(Consolidated)
E.SUN Securities
(Consolidated)
E.SUN Venture
Capital
E.SUN FHC
(Standalone)
E.SUN FHC
(Consolidated)		 NT$ million
E.SUN Bank
(Consolidated)
E.SUN Securities
(Consolidated)
E.SUN Venture
Capital
E.SUN FHC
(Standalone)
E.SUN FHC
(Consolidated)
Assets：
Cash and due from banks
255,385
1,701
501
570
Securities, net
983,563
1,931
4,652
128
Loans, net
1,917,397
-
-
-
A/R, net
117,675
11,696
1
65
Land, premises and equipments, net
33,699
362
-
3
Others
161,509
3,965
24
192,826		 256,177

990,267

1,917,397

129,287

34,325

165,113
Total assets
3,469,228
19,655
5,178
193,592
3,492,566
Liabilities:
Deposits
2,855,260
-
-
-
Other liabilities
434,180
13,074
119
8,310		 2,853,262

453,870
Total liabilities
3,289,440
13,074
119
8,310		 3,307,132
Total stockholders'equity
179,788
6,581
5,059
185,282
185,434

Total equity attributable to owners of the company
179,624
6,581
5,059
185,282
185,282

Non-Controlling interests
164
-
-
-		 152

Total liabilities andstockholders'equity
3,469,228
19,655
5,178
193,592
3,492,566

Note: Preliminary figures of Sep. 2022

2/6 Appendix

P&L of E.SUN FHC and its subsidiaries for 9M2022

NT$ million
E.SUN Bank
(Consolidated)
E.SUN Securities
(Consolidated)
E.SUN Venture
Capital
E.SUN FHC
(Standalone)
E.SUN FHC
(consolidated)		 NT$ million
E.SUN Bank
(Consolidated)
E.SUN Securities
(Consolidated)
E.SUN Venture
Capital
E.SUN FHC
(Standalone)
E.SUN FHC
(consolidated)
Operating income
Net interest income
22,739
330
0
(36)
Net fee income
12,887
1,697
-
-
Net trading income/(loss) & Derivatives & FX
1,914
16
328
3
Others
171
134
1
11,846		 23,035

14,581

2,259

164
Total Net Revenues
37,711
2,177
329
11,813
40,039
Allowance for bad-debt expenses
(1,505)
3
0
0
Operating expenses
(22,418)
(1,181)
(11)
(271)		 (1,503)

(23,698)

Income before income tax
13,788
999
318
11,542
Income tax expenses
(3,032)
(186)
(68)
101
14,838

(3,184)

Net Income
10,756
813
250
11,643
11,654
Attributable to owners of the company
10,743
813
250
11,643
11,643

Non-controlling interests
13
0
0
0		 11

Note: Preliminary figures of Sep. 2022

3/6 Appendix

E.SUN FHC’s Balance Sheet (Consolidated)

Yearly Results Quarterly Results Quarterly Results
NT$ million 2019
2020
2021		 Jun 21
Sep 21
Dec 21
Mar 22
Jun 22
Sep 22
Assets：
Cash and due from banks
Securities, net
Loans, net
A/R, net
Land, premises and equipments, net
Others		 128,579
175,722
210,608
742,487
998,478
1,037,395
1,444,322
1,620,374
1,768,641
113,150
116,686
124,412
33,351
33,291
33,881
36,469
27,194
55,971		 180,384
189,310
210,608
208,307
198,487
957,488
942,780
1,037,395
1,028,826
1,013,388
1,666,096
1,723,385
1,768,641
1,826,344
1,872,442
114,837
120,435
124,412
119,207
116,586
33,279
33,316
33,881
34,078
34,036
48,587
43,111
55,971
75,752
108,375
256,177

990,267

1,917,397

129,287

34,325

165,113
Total assets 2,498,358
2,971,745
3,230,908		 3,000,671
3,052,337
3,230,908
3,292,514
3,343,314
3,492,566
Liabilities:
Deposits
Other liabilities		 2,082,070
2,484,605
2,693,343
243,107
305,539
343,180		 2,485,975
2,550,344
2,693,343
2,711,688
2,774,699
321,971
312,332
343,180
384,372
384,892
2,853,262

453,870
Total liabilities 2,325,177
2,790,144
3,036,523		 2,807,946
2,862,676
3,036,523
3,096,060
3,159,591
3,307,132
Total stockholders'equity 173,181
181,601
194,385		 192,725
189,661
194,385
196,454
183,723
185,434

Total equity attributable to owners of the company		 173,058
181,469
194,226		 192,585
189,515
194,226
196,294
183,572
185,282

Non-Controlling interests		 123
132
159		 140
146
159
160
151		 152

Total liabilities andstockholders'equity		 2,498,358
2,971,745
3,230,908		 3,000,671
3,052,337
3,230,908
3,292,514
3,343,314
3,492,566

Note: Preliminary figures of Sep. 2022

4/6 Appendix

E.SUN FHC’s P&L account (Consolidated)

Yearly Results Quarterly Results Quarterly Results
NT$ million 2019
2020
2021		 2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
Operating income
Net interest income
Fee income
Net trading income/(loss) & Derivatives & FX
Others		 19,871
21,339
25,984
18,725
19,831
21,324
15,629
14,707
10,366
298
372
223
54,523
56,249
57,897
(1,598)
(3,226)
(2,130)
(29,855)
(32,494)
(31,808)
23,070
20,529
23,959
(2,950)
(2,481)
(3,373)
20,120
18,048
20,586		 6,349
6,576
6,977
7,384
7,876
5,139
5,519
5,393
5,173
4,649
2,797
3,036
2,227
936
(477)
58
57
71
58
85
7,775

4,759
1,800

21
Total Net Revenues 14,343
15,188
14,668
13,551
12,133
14,355
Allowance for bad-debt expenses
Operating expenses		 (668)
(769)
(1,051)
(344)
(532)
(7,766)
(7,989)
(8,236)
(7,868)
(7,700)		 (627)
(8,130)

Income before income tax
Income tax expenses		 5,909
6,430
5,381
5,339
3,901
(861)
(786)
(694)
(1,012)
(1,133)
5,598
(1,039)

Net Income		 5,048
5,644
4,687
4,327
2,768
4,559
Income Attributable to owners of the company 20,105
18,027
20,559		 5,042
5,638
4,674
4,325
2,760
4,558

Non-Controlling interests		 15
21
27		 6
6
13
2
8
1

Note: Preliminary figures of Sep. 2022

5/6 Appendix

E.SUN Bank’s Balance Sheet (Consolidated)

Yearly Results Quarterly Results Quarterly Results
NT$ million 2019
2020
2021		 Jun 21
Sep 21
Dec 21
Mar 22
Jun 22
Sep 22
Assets：
Cash and due from banks
Securities, net
Loans, net
A/R, net
Land, premises and equipments, net
Others		 128,432
175,678
210,382
737,525
970,129
1,030,673
1,444,322
1,620,374
1,768,641
103,686
102,012
108,589
32,725
32,689
33,266
34,320
46,097
44,566		 180,264
189,224
210,382
207,909
198,314
951,715
936,773
1,030,673
1,021,388
1,006,447
1,666,096
1,723,385
1,768,641
1,826,344
1,872,442
96,067
103,123
108,589
102,984
103,001
32,677
32,698
33,266
33,475
33,431
44,220
38,544
44,566
71,903
104,888
255,385

983,563

1,917,397

117,675

33,699

161,509
Total assets 2,481,010
2,946,979
3,196,117		 2,971,039
3,023,747
3,196,117
3,264,003
3,318,523
3,469,228
Liabilities:
Deposits
Other liabilities		 2,083,226
2,486,232
2,696,351
226,694
282,949
311,650		 2,498,663
2,553,779
2,696,351
2,713,813
2,784,022
292,085
285,634
311,650
361,155
356,452
2,855,260

434,180
Total liabilities 2,309,920
2,769,181
3,008,001		 2,790,748
2,839,413
3,008,001
3,074,968
3,140,474
3,289,440
Total stockholders'equity 171,090
177,798
188,116		 180,291
184,334
188,116
189,035
178,049
179,788

Total equity attributable to owners of the company		 170,959
177,657
187,947		 180,142
184,178
187,947
188,864
177,888
179,624

Non-Controlling interests		 131
141
169		 149
156
169
171
161
164

Total liabilities andstockholders'equity		 2,481,010
2,946,979
3,196,117		 2,971,039
3,023,747
3,196,117
3,264,003
3,318,523
3,469,228

Note: Preliminary figures of Sep. 2022

6/6 Appendix

E.SUN Bank’s P&L account (Consolidated)

Yearly Results Quarterly Results Quarterly Results
NT$ million 2019
2020
2021		 2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
Operating income
Net interest income
Fee income
Net trading income/(loss) & Derivatives & FX
Others		 19,657
21,095
25,591
17,712
18,044
18,289
15,297
13,593
8,647
302
383
230
52,968
53,115
52,757
(1,603)
(3,241)
(2,134)
(28,652)
(30,885)
(29,935)
22,713
18,989
20,688
(3,054)
(2,501)
(3,101)
19,659
16,488
17,587
19,643
16,465
17,559		 6,251
6,467
6,872
7,278
7,772
4,261
4,713
4,717
4,567
4,073
2,693
2,558
1,650
485
(529)
60
61
70
60
88
7,689

4,247

1,958

23
Total Net Revenues 13,265
13,799
13,309
12,390
11,404
13,917
Allowance for bad-debt expenses
Operating expenses		 (669)
(769)
(1,051)
(345)
(532)
(7,253)
(7,436)
(7,809)
(7,421)
(7,303)		 (628)
(7,694)

Income before income tax
Income tax expenses		 5,343
5,594
4,449
4,625
3,568
(768)
(668)
(784)
(950)
(931)
5,595

(1,151)

Net Income		 4,575
4,926
3,665
3,675
2,637
4,444
Attributable to owners of the company 4,568
4,920
3,652
3,674
2,627
4,442

Non-controlling interests		 16
23
28		 7
6
13
1
10
2

Note: Preliminary figures of Sep. 2022

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