FEIB — Annual Report 2020

Apr 9, 2021

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法人說明會

Y2020

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4/7’2021

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遠東集團事業

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• 創始於1937年

• 業務範圍涵蓋10個主要產業

• 9家公開上市公司分別於台灣及香港掛牌

• 總資產NT$2,848 Bn. (YE2020)

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百貨零售事業 金融服務事業
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石化能源事業 聚酯化纖事業
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水泥建材事業
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• 營業據點橫跨海峽兩岸， 達46家門市

• 14家公司，橫跨多種金融服 務領域

• 11家公司，位於台灣及中 國

• 38家公司，遍佈台灣、中 國、越南及美國

• – 集團聚酯聚合年產能超過 272萬噸，為全球前三大聚 酯製造商

• 30家公司，位於台灣及中 國市場

• 總營業額已逾台幣1,148億 元

• 遠東商銀為主要金融事業體

• 亞東石化於海峽兩岸均設 有純對苯二甲酸(PTA)生產 線，年產能達275萬噸

• 主要事業亞泥年產量已達 4,100萬噸，躋身大陸水泥 前十大集團

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海陸運輸事業

• 經營14家公司

• 旗艦公司裕民航運經營船 隊總數48艘，載重量達 671萬噸

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通訊網路事業

• 遠傳為亞洲電信市場第一個 提供700 / 1800 / 2600 MHz最佳三頻服務業者

• 遠傳取得3.5Ghz及28Ghz 5G頻譜執照

• 轉投資遠通電收,用戶超過 700萬戶,車次超過18億次

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營造建築事業
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• 擁有4家公司

• 正積極打造「遠東通訊數 位園區」，及規劃宜蘭休 閒度假中心

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觀光旅館事業
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社會公益事業
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• 元智大學

• 香格里拉台北遠東國際大 飯店

• 亞東技術學院

• 台南遠東國際大飯店

• 亞東紀念醫院

• – 屢獲「全球500大飯店」等 殊榮 – 豫章工商

• 遠東聯合診所

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內容大綱

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資產&淨值

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 資產  淨值
(新臺幣十億元) (新臺幣十億元)
YoY YoY
+3.8% +3.1%
680
655
627
49
36 47
36 40 45
33 36 0 1
38
0
13
13
198 221 12
177
33 34 35
380 385 383
2018 2019 2020 2018 2019 2020
 放款  金融資產  現金&存款  應收&其他  股本&資本公積  保留盈餘
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 其他綜合損益

資料來源：合併財報

放款&存款

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 總放款  存款
(新臺幣十億元) (新臺幣十億元)
YoY YoY
-0.3% +8.3%
583
385 390 389 537
508 46
64 71
68
97 99 102 32
33
124 128 129 330
320
299
64 59 50
32 27 37
68 77 70 108 121 136
2018 2019 2020 2018 2019 2020
 國內法人  國內中小企  海外  臺幣活期  臺幣定期  外幣活期  外幣定期
 房貸 (不含理財型)  消費者貸款
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資料來源：合併財報/自結數

流動性

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 活存比

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36.58%
 存放比
28.83% 29.51%
75.72%
73.18%
74.24% 71.58%
72.62%
2018 2019 2020
 流動性覆蓋率
66.81%
142.42%
124.91%
2018 2019 2020 110.28%
 年底餘額  平均餘額
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2019
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2018

2020

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資料來源：合併財報 / 遠銀官網

資產品質

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逾期放款比率 逾放備抵呆帳覆蓋率 放款覆蓋率
0.51% 649%
574%
621% 1.42%
1.46%
574%
513% 1.38%
1.37%
1.40%
286%
0.28%
1.36%
0.24%
0.24%
0.22%
0.22%
Dec'18 Dec'19 Dec'20 Dec'18 Dec'19 Dec'20 Dec'18 Dec'19 Dec'20
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 同業  本行

資料來源：合併財報 / 金管會報告

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同業：35家商業銀行(不包含輸出入銀行)

獲利能力

 淨收益

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(新臺幣十億元) YoY
11.7
11.2 11.2 -4.3%
0.3
0.5 0.4
1.9 2.5 1.3 (47.6%)
3.5
3.1 3.5
10.6%
5.7 5.5 6.0
2018 2019 2020
 淨利收  淨手收  金融交易  其他
 提存費用
1.9 YoY
(新臺幣十億元)
104%
0.4
1.0
0.9
0.5 0.4 1.5
0.5 0.5
2018 2019 2020
 淨提存費用  壞帳收回
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 提存前盈餘

YoY -8.7%

(新臺幣十億元)

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4.8
4.6
4.4
2018 2019 2020
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 稅前盈餘 (新臺幣十億元)

YoY

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-32.2%
4.3
4.1
2.9
2018 2019 2020
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資料來源：合併財報

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獲利能力

 凈利息收益率

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1.09%
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1.03%
1.01%
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2018 2019 2020

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 放款收益率* & 平均放款餘額

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1.11% 1.09%
0.98%
(新臺幣十億元)
399
389
374
2018 2019 2020
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• =淨放款收益/ 平均放款餘額

 稅後資產報酬率

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0.59% 0.57%
0.38%
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 稅後股東權益報酬率

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8.05%
7.89%
5.25%
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2018

2019

2020

2018

2019

2020

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資料來源：合併財報/ 遠銀官網

資本適足性

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 普通股權益資本比率 (個體財報數)

 資本適足率(個體財報數)

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14.10%
13.60%
13.33%
11.03%
10.53%
10.51%
11.07% 10.99% 11.49%
2018 2019 2020 2018 2019 2020
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 第一類資本比率  第二類資本比率

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資料來源：遠銀官網

股利分配

 每股盈餘 & 配發股利 (NT$/股)

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*  現金股利殖利率**

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(EPS) $1.05 $1.08

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$0.73
0.28
0.27
0.19
0.45 0.47
0.33
2018 2019 2020
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4.47%
4.00%
3.00%
2018 2019 2020
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*現金股利殖利率＝每股現金股利／獲利當年度每股平均收盤價

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資料來源：合併財報 / 年報

註: 2020年股利尚待股東會通過

內容大綱

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規模穩健增長

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 總資產  放款 YoY
(新臺幣十億元) (新臺幣十億元) 7%
YoY
6% 401 397 424
2019 2020 2021 est.
YoY
 存款
722 (新臺幣十億元) 2%
680
654
583 594
538
2019 2020 2021 est.
2019 2020 2021 est.
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*2021 est.:2020營業報告書

個金整合

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大數據
存款
財富管理
交叉銷售模型
數位分行
房貸
信用卡
保險
信用卡
消貸 存款
Deposit 消貸
財富管理
房貸
綜合分行
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風險管理

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強化信用風險管理

• 檢討違約案例，彙整企業違 約徵兆，列入徵審參考

• 強化大陸及海外地區授信客 戶篩選及貸後風險管理

• 嚴控國內土建融授信風險

• 增進信貸&信用卡評分模型 準確度與風險辨識能力

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重新聚焦國內市場

 海外資產/總資產

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17%
14%
13%
2019 2020 2021 est.
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 中小放款/總放款

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11%
9%
7%
2019 2020 2021 est.
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數位銀行

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數位通路

 離櫃率：93.7% (YE’2020)

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% 97 96

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97 96
83 73
57
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Transfer Withdraw Fund Exchange 轉帳 提款 基金 換匯 存款 Deposit

• 獲客率：40.6% (YE’2020)

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開放銀行

• No.1 – 開放銀行「第二階段」

TSP

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數位交易平台

• 機器人流程自動化工具(RPA)

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40.6.%
21.7
4%
Deposit存款 Credit Card信用卡 consumer信貸
loans
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• 視訊&手機KYC, 身分認證

• 數位行銷,信用評分

• 24小時線上交易 (國內外市場), 外匯交易

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金融市場操作

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新種業務

• 黃金期貨自營買賣

• 外國債券自行買賣業務

• 新結構型商品報價

交易&投資

• 投資交易收益成長超過TMU銷售收入成長

• 投資組合YoY +16~17%

• 債券投資部位成長優於股票投資部位成長

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ESG 策略

環境

• 綠色金融

• 赤道原則

• 氣候變遷風險財 務揭露(TCFD)

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公司治理

• 新「公司治理及 永續委員會」

• 董事會多元化

• 董事會結構

• 規範&評鑑排名

社會

• 社會公益活動參與

• 社會創新產品採購獎勵(經濟部)

• 人力資源/勞工關係

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內容大綱

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財務數據摘要

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(NT$ m, except percentages and per share data)	(NT$ m, except percentages and per share data)	(NT$ m, except percentages and per share data)	(NT$ m, except percentages and per share data)	(NT$ m, except percentages and per share data)
(Consolidated)	As of or for 12 months ended December 31
	2018	2019	2020	YoY
Key balance sheet items
Gross loans	384,923	390,200	388,857	-0.3%
Total assets	627,351	654,888	680,047	3.8%
Deposits and remittances	508,408	537,396	582,153	8.3%
Total shareholders’ equity	44,745	47,284	48,744	3.1%
BVPS	13.69	14.09	14.14	0.4%
Key income statement items
Net interest income	5,681	5,458	6,037	10.6%
Net fee income	3,131	3,471	3,514	1.2%
Earnings before Provision	4,583	4,769	4,353	-8.7%
Net income	3,524	3,633	2,519	-30.7%
EPS	1.02	1.05	0.73	-30.5%
Key ratios
NIM (unconsolidated)	1.09%	1.01%	1.03%	+2bp
Cost to income ratio	59.14%	59.32%	61.19%	+1.87 Pctp
**ROE **	8.05%	7.89%	5.25%	-2.64 Pctp
ROA	0.59%	0.57%	0.38%	-19 bp
LDR(excluded remittances)	75.72%	72.62%	66.81%	-5.81 Pctp
NPL ratio	0.24%	0.28%	0.51%	+23 bp
Coverage ratio	574%	513%	286%	-227 Pctp
CET 1ratio (unconsolidated)	10.51%	10.53%	11.03%	+50 bp
Tier 1 ratio (unconsolidated)	11.07%	10.99%	11.49%	+50 bp
Total CAR (unconsolidated)	13.33%	13.60%	14.10%	+50 bp

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Thank you

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Disclaimer

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This presentation has been prepared by Far Eastern International Bank (the “Company”). This presentation and the materials provided herewith do not constitute an offer to sell or issue or the solicitation of an offer to buy or acquire securities of the Company in any jurisdiction or an inducement to enter into investment activity, nor may it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever. Any decision to purchase securities in a proposed offering should be made solely on the basis of the information contained in the offering circular published in relation to such proposed offering, if any.

The information contained in this presentation has not been independently verified. No representation, warranty or undertaking, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or the opinions contained herein. The information contained in this document should be considered in the context of the circumstances prevailing at the time and has not been, and will not be, updated to reflect material developments which may occur after the date of the presentation. All of the information contained in this presentation is based on, or derived from publicly available information, including, among other things, the Company’s consolidated financial statements published, and the presentation does not contain any material non-public information. None of the Company nor any of its affiliates advisors or representatives will be liable (in negligence or otherwise) affiliates, for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in connection with the presentation.

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