Spokesperson

Name: Jiann Jong Lin Title: President Tel.:(02) 2378-6868 Email: [email protected]

Acting Spokesperson

Name: Cindy Chen Title: Senior Deputy Executive Vice President Tel.:(02) 2378-6868 Email: [email protected]

Headquarter and branches address and telephone

Add.: 26, 27F, No. 207, Sec.2, Dunhua S. Rd., Daan Dist., Taipei City, Taiwan Tel.: (02) 2378-6868 Branches address refer to context

Stock Agent

Name: Oriental Securities Corporation Add.: 13F., No. 16, Xinzhan Rd., Banqiao Dist., New Taipei City, Taiwan Tel.:(02) 7753-1699 Website: https://www.osc.com.tw

Credit Rating Institution

Name: Fitch Australia Pty Ltd., Taiwan Branch Add.: Rm. A2, 23F., No. 68, Sec. 5, Zhongxiao E. Rd., Xinyi Dist., Taipei City 110, Taiwan Tel: (02) 8175-7600

Recent Annual Financial Statement Auditor

Name: Deloitte & Touche CPA: Chia-Hung Hu, Chen-Hsiu Yang Add.: 20F, Taipei Nan Shan Plaza, No. 100, Songren Rd., Xinyi Dist., Taipei, Taiwan Tel.: (02) 2725-9988 Website: https://www.deloitte.com.tw

Name of Exchange of Overseas Securities and Inquiry Contact

Luxembourg Stock Exchange Website: https://www.bourse.lu/ ISIN: US30733T2069, US30733T1079

Our website

https://www.feib.com.tw

202 Annual Report
Sincerity
Diligence
Thrift
Prudence
Innovation

I. Chairperson's Message	5
II. Corporate Governance Report	12
1. Information of Directors, Management Team, Department Heads, Branch
Manager and Consultants 12
2. Implementation of Corporate Governance 43
3. Information of CPA Audit Fees 93
4. Replacement of CPAs 93
5. Chairman, President, and Managers in Charge of Finance or Accounting who Holds Any Position in the Bank's Independent Auditing Firm or Its Affiliates in Recent
Years 94
6. The Changes in Shareholding 94
7. Relationship among the Top Ten Shareholders 95 8. Shareholding in Affiliated Enterprises 95

III. Fund Raising Activities	96
1. Capital and Shares 96
2. Issuance of Bank Debentures 101
3. Issuance of Preferred Stocks 106
4. Issuance of Global Depository Receipts 107
5. Issuance of Employee Stock Options 107
6. Issuance of New Restricted Shares to Employee 107
7. Mergers and Acquisitions 107
8. The Execution of Fund Utilization Plan 108
IV. Operation Highlights	109
1. Business Activities 109
2. Human Resources 120
3. Corporate Responsibilities and Ethical Behavior 124
4. Number of Full Time Non-Managers, the Average and Median of Non-Managers'
Salary 127
5. IT Investment 128
6. Information Security Management 129
7. Labor Relations 131
8. Important Contracts 134
9. Securitization 137

V. Review of Financial Conditions, Financial Performance,
and Risk Management	138
1. Analysis of Financial Status 138
2. Analysis of Financial Performance 138
3. Analysis of Cash Flow 139
4. Major Capital Expenditure in Last Year 139
5. Investment Policy in Last Year, Main Causes of Profits or Losses, Improvement
Plans and Investment Plans for the Coming Year 139
6. Risk Management 140
7. Contingency Plans for Crisis Management 151
8. Other Important Items 151
VI. Special Disclosure	152
1. Summary of Affiliated Companies 152
2. Private Placement and Financial Debentures 152
3. Other Major Supplementary Information 152
4. Major Events Affecting Shareholders' Equity or Share Price 152
Information of Headquarter and Branches	153

Chairperson 0U7KRPDV&KRX

Chairperson's Message

Looking back in 2025, the global economy continued to grow but at a slower pace amid U.S. tariff policies and geopolitical tensions. In contrast, Taiwan's economy benefited from strong demand for emerging AI technologies, which drove robust export and investment momentum. As a result, Taiwan's economic growth rate reached 8.68%, the highest level in the past 15 years. Looking forward to 2026, the global economy is expected to maintain moderate growth despite ongoing uncertainties. Continued AI-driven demand is expected to support Taiwan's exports and investment expansion, while a gradual recovery in domestic consumption will help sustain stable economic growth and support the banking sector's profitability.

The Bank delivered steady financial performance in 2025. Total assets increased 2% to NT\$873.7 billion. Benefiting from loan growth and improved interest spreads, net interest income rose 15%, while net income after tax reached NT\$4.171 billion, with earnings per share (EPS) of NT\$0.93. Asset quality continued to improve, with the NPL ratio declining to a record low of 0.052%, outperforming the industry average. In addition, the Bank completed a NT\$5.342 billion cash capital increase, raising the capital adequacy ratio to 15.63% and the CET1 ratio to 12.87%, further strengthening the Bank's capital structure.

The Bank continued to enhance its core businesses during the year. Digital Banking captured opportunities in the virtual asset market and established a leading position in VASP payment flow management, while leveraging the BaaS model to collaborate with fintech startups and develop a medical finance ecosystem. In retail banking, the Bank launched the "TenJoy AI Metaverse" wealth management platform, which received recognition from several financial publications, while increasing the proportion of high-spread retail lending products. Corporate banking strengthened lending to SMEs and received the FSC's Grade A Award for SME Lending, while continuing to arrange international syndicated loans and expand domestic and overseas corporate lending. Financial markets operations actively captured interest rate trends and expanded bond investments, significantly increasing interest income from bond portfolios.

The Bank also continued to advance its ESG initiatives. On the environmental front, the Bank established science-based carbon reduction targets, introduced internal carbon pricing, implemented an energy management system, and arranged ESG-related syndicated loans and project financing. On the social front, cumulative donations to charitable programs exceeded NT\$104 million, while the Bank received multiple recognitions, including four consecutive years as the FSC's No.1 trust services provider for senior citizens (Group B), five consecutive years of the HR Asia Best Companies to Work for in Asia Award, and the National Talent Development Award from the Ministry of Labor. On the governance front, the Bank ranked among the top 25% of banks in the FSC's "Customer Fairness Treatment" evaluation for four consecutive years, and among the top 5% of listed companies in the TWSE Corporate Governance Evaluation, while also establishing a Nomination Committee to further strengthen governance practices.

Looking ahead to 2026, the Bank will focus on sustainable growth and diversified profitability. Leveraging the benefits of the capital increase, the Bank will expand its asset scale and optimize its interest spread structure to enhance net interest income. The Bank will actively promote Wealth Management 2.0, strengthen financial market operations, and increase the contribution of fee income and trading revenue. At the same time, the Bank will apply AI technologies to optimize operations, improve productivity, expand innovative digital payment services, and enhance digital revenue streams. With strengthened governance in risk management, compliance, information security, and sustainable finance, the Bank will continue to build a solid foundation for long-term development and create sustainable value for shareholders, customers, employees, and society.

Vice Chairman Mr. Douglas Tong Hsu

Operating Results for 2025

1. Business Plan and Operating Results (by consolidated financials)

				(NT\$MM)
Item	Y2025	Y2024	YoY %	Budget Achieving %
Total Assets	873,711	853,463	+2%	99%
Total Loans	512,993	495,151	+4%	99%
Deposits and Remittance	711,753	698,869	+2%	99%
Equity	69,849	61,250	+14%	-
Net Revenue	12,868	12,861	-	-
PPOP	4,912	5,012	-2%	-
Net Income	4,171	4,297	-3%	-
EPS (NT\$)	0.93	0.98	-6%	-

2. Ratings

On July 3, 2025, Fitch Ratings issued its annual credit rating report for the Bank. In recognition of the Bank's stable credit profile, prudent risk appetite, and adequate lossabsorption capacity and liquidity buffers, Fitch affirmed the Bank's ratings. The domestic and international long-term ratings were maintained at A+(twn) and BBB, while the domestic and international short-term ratings remained at F1(twn) and F3, all with a Stable Outlook. The ratings reflect the Bank's investment-grade credit quality and sound financial profile.

3. Research and Development

In response to the rapid development of AI technologies, the Bank launched a bank-wide AI transformation initiative in 2025, establishing an AI governance framework and operational guidelines while promoting AI-enabled innovation across the organization. Priority was given to applications that enhance internal processes and improve operational efficiency, including AI-driven fraud prevention, AML identity verification, intelligent customer service upgrades, and personal data management. To improve operational efficiency and customer experience, the Bank continued to develop new products and optimize service processes. Key initiatives included launching digital securities settlement accounts for Far Eastern Securities, adjusting online transfer limits for digital deposit accounts, and upgrading Bankee digital deposit account services. The Bank also enhanced the Foreign Exchange Margin Trading Platform (FETP) to provide more convenient online FX margin trading services. In addition, the Bank adopted AI tools to enhance its CRM system, improving the efficiency and quality of corporate credit review processes. By leveraging big data analytics and customer tagging, the Bank strengthened its digital wealth management capabilities through the development of robo-advisory investment products and enhanced digital marketing tools. The Bank also applied generative AI to support marketing strategies and product development. Furthermore, the Bank launched an upgrade project for its retail banking mobile app, optimizing the user interface while introducing enhanced anti-fraud security features to ensure both convenience and transaction safety.

President 0U-LDQQ-RQJ/LQ

4. Organization Changes

To strengthen fraud prevention and comply with regulatory requirements of the Financial Supervisory Commission, the Bank established a Fraud Prevention Department under the AI & Digital Banking Group in March 2025. The department serves as a dedicated unit responsible for coordinating bank-wide anti-fraud initiatives, integrating relevant resources, and setting operational priorities. By leveraging AI and digital technologies, the Bank continues to enhance its fraud detection and prevention capabilities.

5. Impact of External Competitive, Regulatory, and Macroeconomic Environments

Taiwan's banking industry has long been characterized by overbanking, resulting in intense price competition and relatively limited profitability growth. Market share is also highly concentrated among large financial holding company banks, whose scale advantages further intensify competition and constrain growth opportunities for small and mediumsized banks.

The Bank continues to strengthen its compliance framework in response to regulatory developments, including amendments related to the reporting of major contingency events, the Securities and Exchange Act, internal control requirements for securities firms, and regulations on anti-money laundering and counter-terrorism financing. In addition, the Bank actively supports the government's Green and Transition Finance Action Plan, promoting sustainability initiatives in alignment with Taiwan's net-zero transition goals.

In 2025, global economic activity was affected by factors such as U.S. tariff policies, U.S.– China tensions, and geopolitical uncertainties. Nevertheless, strong demand from the AI supply chain supported corporate financing and capital expenditure, sustaining growth momentum in corporate lending. Meanwhile, the U.S. Federal Reserve's rate-cutting cycle placed pressure on banks' interest spreads, and the Central Bank's measures to manage real estate lending concentration constrained growth in construction and mortgage lending. In response, the Bank proactively adjusted its loan portfolio structure to maintain stable profitability.

Operating Plans for 2026

1. Operating Goals

Major operating goals for 2026 (by consolidated financials) are summarized as follows:

(1) Total assets: NT\$929.2 billion.
(2) Total loans: NT\$545.2 billion.
(3) Total deposits: NT\$750.9 billion.

2. Policies and Major Strategies

(1) Retail Banking:

Retail Banking will strengthen the competitiveness of financial products and accelerate the expansion of the mass market segment through the "Slow Wealth Lohas " brand to grow AUM. The BU will promote deposit growth and optimize its funding structure through targeted campaigns for NTD and foreign currency deposits. At the same time, the BU will enhance interest spread performance by expanding mortgage refinancing and focusing on higher-yield consumer lending. In the credit card business, the BU will promote premium card products and participate in the Apple Pay program to increase card issuance and fee income. In line with Wealth Management 2.0, the BU will introduce eight-tier privilege services, cultivate high-potential HNW clients, and expand the number of clients with assets exceeding NT\$100 million.

(2) Corporate Banking:

The BU will continue to expand its client coverage across key domestic and international industries while providing integrated financial solutions tailored to clients' needs in corporate financing, investment services, cash management, and interest rate and foreign exchange hedging. Leveraging the Bank's strategic network across Greater China and the Asia-Pacific region, dedicated professional teams will deliver comprehensive one-stop cross-border financial services to support clients' international business development. Through these efforts, the BU aims to broaden its international client base, strengthen cross-border financial capabilities, and further enhance its presence in global markets.

(3) Financial Markets:

The BU will focus on expanding its client base among institutional investors and highnet-worth corporate clients by developing diversified structured products that address both asset and liability management needs. By leveraging digital technologies and social media platforms, the BU will maintain its leading position in "FX margin trading" market. The BU will also enhance trading profitability and stability through the application of machine learning and AI-assisted trading strategies for structured products. At the same time, it will strengthen emerging market NDF currency trading, complemented by options and commodity futures instruments to capture market opportunities. Equity investment portfolios will be optimized based on industry and fundamental analysis, integrating quantitative investment strategies and derivatives trading to enhance investment returns. In addition, the BU will increase investments in ESG-related equities and bonds as part of its commitment to sustainable finance.

(4) AI & Digital Banking:

The BU will focus on three strategic priorities: accelerating bank-wide AI transformation, strengthening technology-driven anti-fraud management, and expanding innovative digital financial services. The BU will deepen the integration of AI technologies into core operations, leveraging intelligent tools to optimize internal processes and improve operational and compliance efficiency. To safeguard customer assets, The BU will continue to enhance its AI-powered fraud detection and prevention capabilities, building a robust protection framework. At the same time, the BU will further strengthen its Bankee digital brand and actively expand into niche markets such as virtual asset payment services and the healthcare financial ecosystem. Through these initiatives, the BU aims to provide both individual and corporate clients with more diversified and innovative digital financial experiences while driving the growth of digital financial services.

2025 Annual Report II. Corporate Governance Report 1. Information on Directors, Management Team, Department Heads, Branch Managers and Consultants (1) Directors A. Directors' Shareholding and Major Educational (professional) Background December 31, 2025

Note			-	-			-		-		-
	Name Relationship		None	Father			None		None		None
Executives, Directors or Spouses or within Two Supervisors Who are Degrees of Kinship			None				None		None		None
	Title		None	Director Jeff Hsu			None		None		None
Other Position		Director, Far Eastern Asset Management Director, Dah Chung Bills Finance Corps. Corp. " "	Director, Ding Ding Integrated Marketing Director, Cosmos Foreign Exchange International Co., Ltd. Service. Ltd. " "	Chairman, Far Eastern Department Stores Ltd. Chairman, Far EasTone Telecommunications Chairman, Far Eastern New Century Corp. Chairman, Asia Cement Corp. " " " "	Chairman, U-Ming Marine Transport Corp. Chairman, Orient Union Chemical Corp. Director, Everest Textile Ltd. Co., Ltd. " " "	Director, Far Eastern New Century Corp./ "	Director, Far Eastern Asset Management Corp. Executive of Group Foundation "		" Chairman, DynaPack Corp.	President of Corporate Management, Far Eastern New Century Corp. "	Director, Ding Ding Integrated Marketing Director, Oriental Union Chemical Corp. " "	Supervisor, Far Eastern Asset Management Service Co. Corp. "
ExperienceȐEducationȑ		Dept. of Banking, National Chengchi	President of FEIB University	Honorary Doctorate in Management, Master degree in University of Notre National Chiao Tung University Dame, U. S. A.	Chairman, Far Eastern New Century Columbia University, U. S. A. Corp.	BA, Dept. of Business Administration, National Chung Hsing University EMBA Courses, National Taiwan	Director & First Senior Executive Vice President, Far Eastern New Century University Corp.	MBA, National Chengchi University	CPA, Deloitte & Touche.	International Business, National Taiwan EMBA, Graduate Institute of	BA, Dept. of Law, National Chung Hsing University	Vice President, Far Eastern New Century University Corp.
by Nominee	%	" 0 0	" 0 0	" " 0 0	" "	" " 0 0	" 0 0	" 0 0	" 0 0	"	" 0 0	" 0 0
Arrangement Shareholding	Share	0	*0	*0		0	*0	0	*0		0	*0
Spouse & Minor Shareholding	%							0
	Share	0	*0	*0		0	*0		*0		0	*0
	%	0.2914	*0.1151	*0.1818		2.5004	*0.0482	2.2472	*0		2.5004	*0
shareholding Current	Share	14,176,505	*5,601,029	0.1855 8,844,065		121,653,729 *2,346,382		109,333,643	*0		121,653,729	*0
	%	0.2973	*0.1151			2.5511	*0.0492	2.2927	*0		2.5511	*0
when elected Shareholding									*0			*0
	Share	12,097,899	*5,601,029	*7,547,319		103,816,444	*2,002,349	93,302,771			103,816,444
(years) Term			3	3			3		3		3
elected Date	Date first elected	Oct 29, 2025	Oct 29, 2025	Jun 19, 2024	Dec 09, 1991	Jun 19, 2024	Dec 09, 1991	Jun 19, 2024	May 29, 2003	Jun 19, 2024		Jun 27, 2006
Gender	Age	Male	75	Male	84	Male	86	Male	76	Male		69
Name		Yue Ding Industry Representative of	Thomas Chou Co., Ltd.:	Douglas Tong Hsu		Far Eastern New	Representative: Shaw Y. Wang Century Corp.	Asia Cement Corp.	Tsung-Ming Chung Representative:	Far Eastern New	Century Corp.	Humphrey Cheng Representative:Ǻ
Nationality/ Place of	Incorporation	R.O.C.		R.O.C.			R.O.C.	R.O.C.		R.O.C.
Title			Chairman	Chairman Vice			Executive Director	Executive	Director		Director

Note			-		-		-	-
			None		Son		None	None
Executives, Directors or Spouses or within Two Supervisors Who are Degrees of Kinship	Name Relationship		None	Douglas	Tong Hsu -		None	None
	Title				Chairman Vice		None	None
Other Position			Independent Director, Primax Electronics Ltd. None "	Vice Chairman, Far Eastern New Century Chief Innovation Officer, Far Eastern Group Corp. " "	Director, Far Eastone Telecommunications Co., Vice Chairman and Executive Vice President, U-Ming Marine Transport Corp. Ltd. " "	Chairman, Transportation &Traffic Foundation "	Commissioner, Mass Data Analysis Research Commissioner, Cyber Security Center of Excellence of Soochow University Center of Soochow University Director, Eslite Corp. " " "	Director, TN Soong Foundation "
ExperienceȐEducationȑ		BA Department of Law, National Chief Country Officer, Deutsche Bank, Vice Chairman, Citibank, Taiwan MBA, University of Missouri, U.S.A. Taipei Branch, Taiwan Taiwan University Branch " " " "	Vice President, Bankers Trust, New President, FIL Securities Investment Securities President, Bankers Trust, Tokyo Chase Manhattan Bank, Hong Kong & Taipei President, Fubon Commercial Bank President, Yung-Shin Securities Co. Vice President, Trust Co. (Taiwan) Ltd. Citibank (Taiwan) Ltd. President, Assistant Branch York " " " " " " "	MBA, University of Notre Dame, U.S.A District "	Institute of Design, Illinois Institute of Master in Design and Innovation, Technology, U.S.A. "	Ph.D., Engineering, Purdue University, Permanent, Undersecretary of the President, Chung Hua University Ministry of Transport U.S.A. " " "	Chairman, China Development Industrial Chairman, China Development Financial Minister, Ministry of Economic Affairs Chairman, China Airlines Corp. Chairman, CDIB Capital Group Chairman, China Steel Corp. Bank " " " " " "	BA, National Chengchi University, CPA, Deloitte Touche Holding Corp. Taiwan " "	Supervisor, CTCI Advanced systems Inc. Independent Director, Les Enphants Co. Ltd. " "
Arrangement Shareholding by Nominee	% Share		0 0 0 0	0 0	0 0		0 0	0 0
	%		0 0 0.0021 0 *0
Spouse & Minor Shareholding	Share		*101,619 0	0	*0		*0	*0
	%		2.5004 *0	2.2456	*0		*0	*0
shareholding Current	Share		121,653,729 *0	109,254,959	*0		*0	*0
	%		*0 2.5511	2.3488	*0		*0	*0
Shareholding when elected	Share		103,816,444 *0	93,235,625	*0		*0	*0
(years) Term			3		3		3	3
elected Date	Date first elected	Jun 19, 2024	Jun 15, 2017	Oct 29, 2025	Oct 29, 2025	Jun 19, 2024	Jun 16, 2023	Female Jun 19, 2024	Jun 20, 2018
Gender	Age	Male	69	Male	48	Male	75		73
Name			Far Eastern New RepresentativeǺ Century Corp. James Wu	U-Ming Marine	Representative: Transport Corp. Jeff Hsu		Chia-Juch Chang	Hsiao Hui Wang
Nationality/ Place of	Incorporation		R.O.C.		R.O.C.		R.O.C.	R.O.C.
Title			Director		Director		Independent Managing Director, Director	Independent	Director

¹³Far Eastern International Bank 2025 Annual Report

The representative of U-Ming Marine Transport Corporation of the Bank: Mr. Min-Teh Yu due to having been appointed as a full-time professor of a national university resigned on September 1, 2024. The vacancy has

been assumed by Mr. Jeff Hsu since October 29, 2025.

Note	Name Relationship	- None		- None
Executives, Directors or Spouses or within Two Supervisors Who are Degrees of Kinship		None		None
	Title	None		None
Other Position		Director, Orient Union Chemical Corp. Director, ECOVE Environment Corp. Director, Elite Material Co., Ltd. " " "	Independent Director, AU Optronics Corp. "	Independent Director, Chen Full International Professor, Department of International Business, National Taiwan University Co., Ltd. " "
ExperienceȐEducationȑ		Development President, CDIB & Partners Investment MBA, Harvard Business School, U.S.A. Executive Director, Morgan Stanley Vice President, Morgan Stanley Vice President, China Director, CTCI Corp. Industrial Bank Holding Corp.	Deputy Director, International Industry Management, National Taiwan Ph.D in Finance. University of Associate Dean, College of Connecticut University " " "	International Business, National Taiwan Academic Alliance Office of National Professor, Department of Financial, Department Chair, Department of " President, Takming University of National Chengchi University Science and Technology Taiwan University University " "
Arrangement Shareholding by Nominee	% Share	" " " " " " 0 0		0 0
	%	*0		*0
Spouse & Minor Shareholding		*0		*0
	Share
	%	*0		*0
shareholding Current	Share	*0		*0
		*0		*0
when elected Shareholding	%	*0		*0
	Share
(years) Term		3		3
elected Date	Date first elected	Jun 19, 2024 Jun 19, 2024		Jun 19, 2024
Gender	Age	Male 76	Female Jun 19, 2024	62

Name		Bing Shen		Chiu-Ling Lu
Nationality/ Place of	Incorporation	R.O.C.		R.O.C.
Title		Independent Director		Independent Director

¹⁴ Far Eastern International Bank

Table 1: Major Shareholders of Institutional Shareholders

March 24, 2026

Name of institutional shareholders	Major shareholders (%)
Yue Ding Industry Co., Ltd.	Fu Da Transportation Co., Ltd. (26.95)ǵYue-Tung Investment Corp. (25.36)ǵAn Ho Garment Co., Ltd. (15.66)ǵDing Yuan International Investment Corp. (13.20)ǵ Ton Fu Investment Corp. (4.61)ǵTa Chu Chemical Fiber Co., Ltd. (3.89)ǵYa Li Precast Prestressed Concrete Industries Corp. (3.89)ǵYuan Ding Co., Ltd. (2.59)ǵ Bai Ding Investment Co., Ltd. (2.31)ǵDingshen Investment Co., Ltd. (1.53)
Far Eastern New Century Corp.	Asia Cement Corp. (22.92)ǵAsia Eastern University of Science and Technology (4.81)ǵCathay MSCI Taiwan ESG Sustainability High Dividend Yield ETF custody by TSIB (4.18)ǵFar Eastern Medical Foundation (3.61)ǵFar Eastern Memorial Foundation (3.42)ǵYuan-Ze University (2.74)ǵDouglas Tong Hsu (1.71)ǵCathay Life Insurance Co., Ltd. (1.65)ǵChunghwa Post Co., Ltd. (1.31)ǵPeter Hsu (1.13)
Asia Cement Corp.	Far Eastern New Century Corp. (19.89)ǵFar Eastern Medical Foundation (5.15)ǵCathay United Bank was entrusted with custody of Yuanta Polaris Taiwan High Dividend Securities Investment Trust Fund Account (4.43)ǵYuan Ding Investment Co., Ltd. (1.80)ǵTaiwan Business Bank Co., Ltd. is entrusted with the custody of Dahua Bank Taiwan Preferred Dividend High Yield 30 ETF Securities Investment Trust Fund Account (1.77)ǵBank of Taiwan entrusted with the custody of the Yuanta Taiwan High Dividend Low Volatility ETF account (1.72)ǵChunghwa Post Co., Ltd. (1.41)ǵFar Eastern Department Stores Co., Ltd. (1.41)ǵYuan-Ze University (1.37)ǵLabor Pension Fund Committee of Far Eastern New Century Corporation (1.26)
U-Ming Marine Transport Corp.	Asia Cement Corp. (39.25)ǵCapital TIP Customized Taiwan Select High Dividend ETF account(6.95)ǵBank of Taiwan entrusted with the custody of the Yuanta Taiwan High Dividend Low Volatility ETF account (2.55)ǵYuan Ding Investment Co., Ltd. (1.05)ǵYu Yuan Investment Co., Ltd. (0.94)ǵAsia Investment Corp. (0.92)ǵE.SUN COMMERCIAL BANK (0.81)ǵYa Li Transportation Corporation (0.75)ǵHSBC Trustee Mitsubishi UFJ Morgan Stanley Securities Trading Account (0.72)ǵTaiwan Cooperative Bank (0.70)

Table 2: Major Shareholders of Table 1 Major Shareholders as Institutional Shareholders

March 24, 2026

Name of institutional shareholders	Major shareholders (%)
Fu Da Transportation Co., Ltd.	Fu Ming Transportation Co., Ltd. (99.97)ǵAsia Investment Corp. (0.03)
Yue-Tung Investment Corp.	U-Ming Marine Transport Corp. (73.54)ǵU-Li Investment Co., Ltd. (26.46)
An Ho Garment Co., Ltd.	Far Eastern New Century Corp. (100.00)
Ding Yuan International Investment Corp.	Far Eastern New Century Corp. (100.00)
Ton Fu Investment Corp.	Oriental Union Chemical Corp.(100.00)
Ta Chu Chemical Fiber Co., Ltd.	Yuan Ding Investment Co., Ltd. (41.86)ǵYue Ding Industry Co., Ltd. (30.26)ǵYue Li Investment Corp. (19.38)ǵYu Ming Trading Corp. (8.50)
Ya Li Precast Prestressed Concrete Industries Corp.	Asia Cement Corp. (83.97)ǵFar-Eastern Construction Engineering Co., Ltd. (16.03)
Yuan Ding Co., Ltd.	Asia Cement Corp. (35.50)ǵFar Eastern New Century Corp. (33.78)ǵYuan Ding Investment Co., Ltd. (16.22)ǵDer Ching Investment Corp. (14.50)
Bai Ding Investment Co., Ltd.	Far Eastern Department Stores Co., Ltd. (66.66)ǵBai Yang Investment Corp. (33.34)
Ding Shen Investment Co., Ltd.	Yue-Tung Investment Corp. (18.00)ǵAsia Investment Corp. (18.00)ǵBai Ding Investment Co., Ltd. (18.00)ǵTon Fu Investment Corp. (18.00)ǵYuan Tone Investment Co., Ltd. (18.00)ǵYue Ding Industry Co., Ltd. (5.00)

Name of institutional shareholders	Major shareholders (%)
Yu Ming Trading Corp.	Yuan Ding Investment Co., Ltd. (45.50)ǵTa Chu Chemical Fiber Co., Ltd. (38.20)ǵ Bai Ding Investment Co., Ltd. (15.50)ǵDing & Ding Management Consultants Co., Ltd. (0.30)ǵYuan Ding Co., Ltd. (0.30)ǵYuan Ding Leasing Corp. (0.20)
Asia Cement Corp.	Far Eastern New Century Corp. (19.89)ǵFar Eastern Medical Foundation (5.15)ǵ Cathay United Bank was entrusted with custody of Yuanta Polaris Taiwan High Dividend Securities Investment Trust Fund Account (4.43)ǵYuan Ding Investment Co., Ltd. (1.80)ǵTaiwan Business Bank Co., Ltd. is entrusted with the custody of Dahua Bank Taiwan Preferred Dividend High Yield 30 ETF Securities Investment Trust Fund Account (1.77)ǵBank of Taiwan entrusted with the custody of the Yuanta Taiwan High Dividend Low Volatility ETF account (1.72)ǵChunghwa Post Co., Ltd. (1.41)ǵFar Eastern Department Stores Co., Ltd. (1.41)ǵYuan-Ze University (1.37)ǵLabor Pension Fund Committee of Far Eastern New Century Corporation (1.26)
Chunghwa Post Co., Ltd.	Ministry of Transportation and Communications, R.O.C. (100.00)
Der Ching Investment Corp.	Asia Cement Corp. (99.99)ǵAsia Investment Corp. (0.001)
Far Eastern New Century Corp.	Asia Cement Corp. (22.92)ǵAsia Eastern University of Science and Technology (4.81)ǵCathay MSCI Taiwan ESG Sustainability High Dividend Yield ETF custody by TSIB (4.18)ǵFar Eastern Medical Foundation (3.61)ǵFar Eastern Memorial Foundation (3.42)ǵYuan-Ze University (2.74)ǵDouglas Tong Hsu (1.71)ǵCathay Life Insurance Co., Ltd. (1.65)ǵChunghwa Post Co., Ltd. (1.31)ǵPeter Hsu (1.13)
Cathay Life Insurance Co., Ltd.	Cathay Financial Holdings Co., Ltd. (100.00)
E.SUN Commercial Bank	E.SUN Financial Holding Corp. (100.00)
Taiwan Cooperative Bank	Taiwan Cooperative Holding Corp. (100.00)
Yuan Ding Investment Co., Ltd.	Far Eastern New Century Corp. (99.40)ǵAn Ho Garment Co., Ltd. (0.30)ǵTa Chu Chemical Fiber Co., Ltd. (0.30)
Far Eastern Department Stores Co., Ltd.	Far Eastern New Century Corp. (17.06)ǵYuan Ding Investment Co., Ltd. (7.66)ǵ Yuan Tong Investment Co., Ltd. (6.17)ǵAsia Cement Corp. (5.65)ǵYuan-Ze University (4.75)ǵMega Bank (2.26)ǵLabor Pension Fund Committee of Far Eastern Department Stores Ltd. (2.11)ǵYu Yuan Investment Co., Ltd. (2.06)ǵ Tranquil Enterprise Ltd. (2.04)ǵFar Eastern Memorial Foundation (1.71)
Yu Yuan Investment Co., Ltd.	Asia Cement Corp. (29.92)ǵYuan Ding Co., Ltd. (25.02)ǵYuan Ding Investment Co., Ltd. (18.96)ǵU-Ming Marine Transport Corp. (17.66)ǵDing Shen Investment Co., Ltd. (6.50)ǵYue-Tung Investment Corp.(1.84)ǵYue Ding Industry Co., Ltd. (0.10)
Asia Investment Corp.	Asia Cement Corp. (100.00)
Ya Li Transportation Corporation	Asia Cement Corp. (51.61)ǵYu Yuan Investment Co., Ltd. (48.39)

B. Directors' Professional Qualifications and Independence

Qualifications			Number of Other
Name	Professional qualifications and experience	Independence status	Public Companies in Which the Individual is Concurrently Serving as an Independent Director
Thomas Chou	1. Practical experience in financial corporate governance with strong leadership and decision making skills. 2. Over five years of relevant experience in business, law, finance, accounting, or banking.	1. Not employed by the bank or any of its affiliates. 2. No spousal or second-degree kinship with other directors. 3. Not subject to any disqualifications under Article 30 of the Company Act. 4. Not a director or supervisor of the bank or its affiliates (exceptions apply where concurrently serving as an independent director in accordance with securities laws).	0
Douglas Tong Hsu	1. Extensive practical experience and capabilities in corporate management. 2. Over five years of relevant experience in business, law, finance, accounting, or banking.	1. Not employed by the bank or any of its affiliates. 2. Not subject to any disqualifications under Article 30 of the Company Act. 3. Not a director or supervisor of the bank or its affiliates (exceptions apply where concurrently serving as an independent director in accordance with securities laws). 4. Not elected as a director by government, legal entity, or representative thereof under Article 27 of the Company Act.	0
Shaw Y. Wang	1. Extensive experience in corporate governance and executive leadership. 2. Over five years of relevant experience in business, law, finance, accounting, or banking.	1. Not employed by the bank or any of its affiliates. 2. No spousal or second-degree kinship with other directors. 3. Not subject to any disqualifications under Article 30 of the Company Act. 4. Not a director or supervisor of the bank or its affiliates (exceptions apply where concurrently serving as an independent director in accordance with securities laws).	0
Tsung-Ming Chung	1. Certified public accountant with experience in auditing, and expertise in finance, accounting, and auditing. 2. Over five years of relevant professional experience.	1. Not employed by the bank or any of its affiliates. 2. No spousal or second-degree kinship with other directors. 3. Not subject to any disqualifications under Article 30 of the Company Act. 4. Not a director or supervisor of the bank or its affiliates (exceptions apply where concurrently serving as an independent director in accordance with securities laws).	0
Humphrey Cheng	1. Legal practice background, with expertise in law and corporate management. 2. More than five years of relevant professional and sustainability implementation experience.	1. Not employed by the bank or any of its affiliates. 2. No spousal or second-degree kinship with other directors. 3. Not subject to any disqualifications under Article 30 of the Company Act. 4. Not a director or supervisor of the bank or its affiliates (exceptions apply where concurrently serving as an independent director in accordance with securities laws).	0
James Wu	1. Practical experience in financial industry corporate governance with strong leadership and decision-making skills. 2. Over five years of relevant experience in business, law, finance, accounting, or banking.	1. Not employed by the bank or any of its affiliates. 2. No spousal or second-degree kinship with other directors. 3. Not subject to any disqualifications under Article 30 of the Company Act. 4. Not a director or supervisor of the bank or its affiliates (exceptions apply where concurrently serving as an independent director in accordance with securities laws).	1

Qualifications Name	Professional qualifications and experience	Independence status
Jeff Hsu	1. Extensive experience in corporate governance and executive leadership. 2. Over five years of relevant experience in business, law, finance, accounting, or banking.	1. Not employed by the bank or any of its affiliates. 2. Not subject to any disqualifications under Article 30 of the Company Act. 3. Not a director or supervisor of the bank or its affiliates (exceptions apply where concurrently serving as an independent director in accordance with securities laws).
Chia-Juch Chang	1. Practical experience in financial industry governance, management, leadership, and decision-making. 2. More than five years of professional experience.	1. Not subject to disqualifications under Article 30 of the Company Act. 2. Meets independence standards as per Article 3 of the Regulations Governing Appointment of Independent Directors: - Neither the director nor close relatives are directors, supervisors, or employees of the bank or its affiliates. - No shareholdings in the bank by self or close relatives (directly or via nominee). - No positions held in entities having specific relationships with the bank. - No receipt of compensation for professional services to the bank or affiliates in the past two years.
Hsiao Hui Wang	1. CPA license with auditing experience and specialization in finance, accounting, and auditing. 2. Over five years of relevant experience in business, law, finance, accounting, or banking.	1. Not subject to disqualifications under Article 30 of the Company Act. 2. Meets independence standards as per Article 3 of the Regulations Governing Appointment of Independent Directors: - Neither the director nor close relatives are directors, supervisors, or employees of the bank or its affiliates. - No shareholdings in the bank by self or close relatives (directly or via nominee). - No positions held in entities having specific relationships with the bank. - No receipt of compensation for professional services to the bank or affiliates in the past two years.
Bing Shen	1. Practical experience in financial governance, executive leadership, and decision-making. 2. Over five years of relevant experience in business, law, finance, accounting, or banking.	1. Not subject to disqualifications under Article 30 of the Company Act. 2. Meets independence standards as per Article 3 of the Regulations Governing Appointment of Independent Directors: - Neither the director nor close relatives are directors, supervisors, or employees of the bank or its affiliates. - No shareholdings in the bank by self or close relatives (directly or via nominee). - No positions held in entities having specific relationships with the bank. - No receipt of compensation for professional services to the bank or affiliates in the past two years.

Qualifications Name	Professional qualifications and experience	Independence status	Number of Other Public Companies in Which the Individual is Concurrently Serving as an Independent Director
Chiu-Ling Lu	1. Holds lecturer-level qualifications or above in business, law, finance, accounting, or corporate management from accredited institutions. 2. Over five years of relevant professional experience.	1. Not subject to disqualifications under Article 30 of the Company Act. 2. Meets independence standards as per Article 3 of the Regulations Governing Appointment of Independent Directors: - Neither the director nor close relatives are directors, supervisors, or employees of the bank or its affiliates. - No shareholdings in the bank by self or close relatives (directly or via nominee). - No positions held in entities having specific relationships with the bank. - No receipt of compensation for professional services to the bank or affiliates in the past two years.	2

C. Diversity and Independence of the Board of Directors
(a) Diversity of the Board of Directors

FEIB has established a "Corporate Governance Guidelines," which include a Board Diversity Policy and specific management objectives outlined in Chapter 4, "Enhancing Board Function." Among the current 12th Board of Directors, there are no directors who are employees of the Bank. The term distribution of independent directors is as follows: two have served less than three years, one between four and six years, and one for more than six years. The Board comprises two directors aged over 81, five aged 71–80, three aged 61–70, and one aged under 50. All directors possess diverse and extensive professional backgrounds and qualifications. FEIB emphasizes gender equality in the composition of its Board. There are currently two female directors, representing 18% of the Board. In the future, the Company will continue to actively seek talents from various sources in the industry, government, and academia, and weigh the gender composition and other diversification of the Board of Directors. The target of having at least onethird of board seats held by either gender has been achieved and implement the Board of Directors' diversity policy and enhance corporate governance effectiveness. The Bank's Board Diversity Policy is also publicly disclosed on its official website.

(b) Independence of the Board of Directors

The 12th Board of Directors of FEIB includes four independent directors, representing 36% of the Board. None of the four independent directors, nor any independent director and director, have spousal or second-degree kinship relationships. In addition, more than half of the directors (nine in total) do not have such relationships among themselves. None of these independent directors are in violation of Article 26-3, Paragraphs 3 and 4 of the Securities and Exchange Act. Specifically, there are two marital or second-degree kinship relationships among board members, please refer to pages 12-13.

(2) President, Executive Vice President, Deputy Executive Vice President and Department Heads

				(Including discretionary trust shares)									December 31, 2025
Title	National ity	Name Gender		Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship	Note
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Acting President	R.O.C.	Jiann Jong Lin	Male	Dec 15, 2025	2,955,548 0.0607		1,151,145 0.0237		0	0	" Acting President of FEIB " Master of Science, Louisiana State University, U.S.A.	" Director, Far Eastern Asset Management Corp. " Director, Far Eastern International Securities Company Ltd. " Director, FEIB Financial Leasing Co., Ltd.	None None None
Senior Executive Vice President		R.O.C. Ben Liao Ru	Male	Aug 21, 2014	2,472,037 0.0508		1,851,593 0.0381		0	0	" Senior Executive Vice President, Head of Financial Markets Group of FEIB " Master of International Management, American Graduate School of International Management, U.S.A.	None	None None None
Executive Vice President	R.O.C. Simon	Tai	Male	Aug 12, 2016	1,250,939 0.0257		0	0	0	0	" Executive Vice President, Head of AI & Digital Banking Group of FEIB " Master of Science, Computer Science, Polytechnic University, U.S.A.	" Director, Far Eastern International Securities Company Ltd.	None None None
Executive Vice President		R.O.C. Sophie Chang	Female	Aug 12, 2016	844,085 0.0173		0	0	0	0	" Executive Vice President, Head of Retail Banking Group of FEIB " Executive Master of Business Administration in International Business Management, National Taiwan University	" Director, Far Eastern International Securities Company Ltd.	None None None
Executive Vice President		R.O.C. Steve Chi Male		Aug 14, 2018	531,563 0.0109		0	0	0	0	" Executive Vice President, Head of Corporate Banking Group of FEIB " Master of Business Administration, University of Minnesota, U.S.A.	" Chairman, FEIB Financial Leasing Co., Ltd.	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)					Title Name Relation
Executive Vice President		R.O.C. Lonnie Liu	Male	Mar 20, 2013	1,713,378 0.0352		0	0	0	0	" Executive Vice President, Head of Operations Group of FEIB " Master of Business Administration, New York University, U.S.A.	None	None None None
Executive Vice President		R.O.C. James Dai	Male	Aug 14, 2018	1,415,937 0.0291		0	0	0	0	" Executive Vice President, Head of Risk Management Group of FEIB " Master of Arts in Economics, Feng Chia University	" Chairman, Far Eastern Asset Management Corp. " Director, Dah Chung Bills Finance Corp. " Director, FEIB Financial Leasing Co., Ltd.	None None None
Executive Vice President	R.O.C. Ying	Ching Hu Male		Jul 29, 2021	778,680 0.0160		0	0	0	0	" Executive Vice President, Head of Information Technology Group of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None
Chief Compliance Officer of the Head Office	R.O.C. Elaine	Yeh	Female	Apr 11, 2019	737,941 0.0152			1,518 0.000 0	0	0	" Chief Compliance Officer of the Head Office of FEIB " Executive Master of Business Administration in International Business Management, National Taiwan University	None	None None None
Chief Auditor R.O.C.		Wen Ming Yang		Male Oct 14, 2025	303,172 0.0062		0	0	0	0	" Chief Auditor of FEIB " Master of Business Administration, Chinese Culture University	None		None None None
Senior Deputy Executive Vice President		R.O.C. Hui Ling Chen	Female	Sep 01, 2015	261,884 0.0054		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Dept. of Insurance, Tamkang University	None	None None None
Senior Deputy Executive Vice President		R.O.C. Roger Lo Male		Aug 12, 2016		422 0.0000	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration, National Chung Hsing University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding	Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares (%)	Shares	(%)	Shares (%)				Title Name Relation
Senior Deputy Executive Vice President		R.O.C. Vincent Liu	Male	Aug 14, 2018	2,708,876 0.0557	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Arts in Economics, Soochow University	" Supervisor, FEIB Financial Leasing Co., Ltd.	None None None
Senior Deputy Executive Vice President	R.O.C. Yueh	Hua Wu	Male	Aug 14, 2018	213,833 0.0044		41,612 0.000 9	0	0	" Senior Deputy Executive Vice President of FEIB " Dept. of Economics, National Chung Hsing University	None	None None None
Senior Deputy Executive Vice President	R.O.C. Bob	Chen	Male	Aug 14, 2018	296,890 0.0061	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration, The University of Dallas, U.S.A.	None	None None None
Senior Deputy Executive Vice President		R.O.C. Civi Tsai Female		Aug 14, 2020	179,191 0.0037	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None
Senior Deputy Executive Vice President	R.O.C. Cindy	Chen	Female	Aug 14, 2020	451,728 0.0093	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Accounting, National Chengchi University	" Supervisor, Far Eastern Asset Management Corp. " Supervisor, Far Eastern International Securities Company Ltd.	None None None
Senior Deputy Executive Vice President	R.O.C.	Chingh Siang Chen	Male	Aug 14, 2020	23,098 0.0005	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration in Accounting and Management Decision-Making, National Taiwan University	None	None None None
Senior Deputy Executive Vice President		R.O.C. Teu Wei Kuo	Male	Jan 04, 2021	59,227 0.0012	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration, National Chengchi University	" Director, FEIB Financial Leasing Co., Ltd.	None None None
Senior Deputy Executive Vice President		R.O.C. Yi Chen Wang	Male	Jul 29 2021	112,295 0.0023	136,604 0.002	8	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration, Yuan Ze University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position
					Shares	(%)	Shares	(%)	Shares (%)					Title Name Relation
Senior Deputy Executive Vice President		R.O.C. Alex Kao Male		Jul 29 2021		0 0.0000	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None
Senior Deputy Executive Vice President	R.O.C. Ines	Hong	Female	Aug 12, 2022		963 0.0000	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None
Senior Deputy Executive Vice President		R.O.C. Din Chan Chen	Male	Aug 12, 2022	606,471 0.0125		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Science in Finance, National Central University	None	None None None
Senior Deputy Executive Vice President		R.O.C. Yu Ching Chiu	Male	Nov 30, 2022	0	0	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration, University of New Haven, U.S.A.	None	None None None
Senior Deputy Executive Vice President		R.O.C Jen Yu Tang	Male	Jan 03, 2023	100,000 0.0021		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration, University of Pittsburgh, U.S.A.	Director, DWS Far Eastern Investments Limited	None None None
Senior Deputy Executive Vice President		R.O.C. Margaret Du	Female	Aug 29, 2023	623,210 0.0128		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Dept. of Banking, Tamkang University	None	None None None
Senior Deputy Executive Vice President	R.O.C. Sen	Hsing Pei Male		Aug 29, 2023	522,368 0.0107		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None
Senior Deputy Executive Vice President		R.O.C. Audrey Lin	Female	Aug 29, 2023	65,921 0.0014		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position		Managers who are
					Shares	(%)	Shares	(%)	Shares (%)					Title Name Relation
Senior Deputy Executive Vice President		R.O.C. An Li Ma Female		Aug 09, 2024	381,218 0.0078		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Science, Temple University, U.S.A.	None	None None None
Senior Deputy Executive Vice President		R.O.C. Teresa Lo	Female	Aug 09, 2024	193,745 0.0040		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Management Science, National Chiao Tung University	None	None None None
Senior Deputy Executive Vice President		R.O.C. Dan Wen Yu	Male	Aug 09, 2024	53,843 0.0011		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Science, Business Administration, San Francisco State University, U.S.A.	None	None None None
Senior Deputy Executive Vice President	R.O.C. Frank	Song	Male	Aug 15, 2025	403,325 0.0083		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Science in Financial Operations, National Kaohsiung First University of Science and Technology	None		None None None
Senior Deputy Executive Vice President		R.O.C. Shu Yun Cheng	Female	Aug 15, 2025	303,146 0.0062			1,214 0.000 0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Science, University of Illinois at Urbana Champaign, U.S.A.	None		None None None
Senior Deputy Executive Vice President		R.O.C. Felicia Tseng	Female	Aug 15, 2025	86,149 0.0018		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration, University of North Alabama, U.S.A.	None		None None None
Senior Deputy Executive Vice President	R.O.C. Alex	Chien	Male	Aug 15, 2025	70,000 0.0014		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Science in Money, Banking and Finance, Tamkang University	None		None None None
Senior Deputy Executive Vice President		R.O.C. Amber Tseng	Female	Aug 15, 2025	353,278 0.0073		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Bachelor of Arts in Business Administration, Seattle University, U.S.A.	None		None None None

Title	National		Name Gender	Date	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Two Degrees of	Managers who are Spouses or Within
	ity			elected	Shares	(%)	Shares	(%)	Shares (%)				Kinship	Title Name Relation
Senior Deputy Executive Vice President		R.O.C. Tun Pin Wang	Male	Aug 15, 2025	284,465 0.0058		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Executive Master of Business Administration, National Chung Cheng University	None		None None None
Senior Deputy Executive Vice President	R.O.C.	Chih Jung Chen	Male	Aug 15, 2025	328,268 0.0067		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration in Information Management, Yuan Ze University	None		None None None
Senior Deputy Executive Vice President		R.O.C. Hsin Yu Chou	Female	Aug 15, 2025	387,670 0.0080		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Business Administration, Yuan Ze University	None		None None None
Senior Deputy Executive Vice President	R.O.C.	Cheng Yu Huang	Male	Aug 15, 2025	217,161 0.0045		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Management Science, Ming Chuan College	None		None None None
Senior Deputy Executive Vice President	R.O.C. Chien	Hung Liu Male		Aug 15, 2025	70,590 0.0015		0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Master of Science in Finance, National Taiwan University	None		None None None
Senior Deputy Executive Vice President		R.O.C. Hung Hui Li	Male	Oct 01, 2025	0	0	0	0	0	0	" Senior Deputy Executive Vice President of FEIB " Doctor of Philosophy, The Ohio State University, U.S.A.	None		None None None
Deputy Executive Vice President		R.O.C. Chiung Yu Song	Female	Dec 21, 2012	658,607 0.0135		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Banking, National Chengchi University	None		None None None
Deputy Executive Vice President	R.O.C. Emily	Chou	Female	Aug 15, 2013	367,610 0.0076		0	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None		None None None
Deputy Executive Vice President		R.O.C. Kuo Ying Huang	Female	Aug 09, 2017	210,041 0.0043		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Statistics, Tamkang University	None		None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Deputy Executive Vice President		R.O.C. Warren Ko	Male	Dec 18, 2017	128,590 0.0026		0	0	0	0	" Deputy Executive Vice President of FEIB " Doctor of Philosophy in Finance, Feng Chia University	" Independent Director, World Fitness Services Ltd.	None None None
Deputy Executive Vice President	R.O.C. Karry	Tsai	Female	Aug 14, 2018	393,720 0.0081		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration, University of North Alabama, U.S.A.	None	None None None
Deputy Executive Vice President		R.O.C. Justice Chang	Male	Aug 14, 2018	0	0	0	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None
Deputy Executive Vice President		R.O.C. Shu Hui Lee	Female	Aug 12, 2019	943,400 0.0194		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Cooperative Economics, National Chung Hsing University	None	None None None
Deputy Executive Vice President		R.O.C. Patty Wei Female		Aug 12, 2019	362,753 0.0075		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Science, The City University of New York, The Bernard M. Baruch College, U.S.A.	None	None None None
Deputy Executive Vice President	R.O.C. Su	Hsiang Li Female		Aug 12, 2019	299,684 0.0062		0	0	0	0	" Deputy Executive Vice President of FEIB " Cheung Sha Wan Catholic English Evening Secondary School, Hong Kong	None	None None None
Deputy Executive Vice President		R.O.C. Tony Li	Male	Aug 12, 2019	265,845 0.0055		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Laws, National University of Kaohsiung	None	None None None
Deputy Executive Vice President		R.O.C. Allen Lu	Male	Aug 14, 2020	1,364 0.0000		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration, Tiffin University, U.S.A.	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position		Managers who are
					Shares	(%)	Shares	(%)	Shares (%)					Title Name Relation
Deputy Executive Vice President		R.O.C. Olive Yin Female		Aug 14, 2020	231,493 0.0048		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Arts in Economics, National Taiwan University	None	None None None
Deputy Executive Vice President	R.O.C.	Jung Chang Juan	Male	Aug 14, 2020	104,901 0.0022		0	0	0	0	" Deputy Executive Vice President of FEIB " Accounting and Statistics Department, Tamsui Oxford College	None	None None None
Deputy Executive Vice President	R.O.C.	Chih Cheng Hsieh	Male	Aug 14, 2020	0	0	0	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Business Administration, Tamkang University	None	None None None
Deputy Executive Vice President		R.O.C. Chiu Nan Chen	Male	Nov 30, 2020		93,745 0.0019	0	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Business Administration in Information Management, National Taiwan University	None	None None None
Deputy Executive Vice President		R.O.C. Jeff Chiu Male		Jul 29, 2021	163,745 0.0034		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Engineering Science, National Cheng Kung University	None	None None None
Deputy Executive Vice President	R.O.C.	Yao Chang Lin	Male	Jul 29, 2021	409,388 0.0084		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Business Administration, Soochow University	None	None None None
Deputy Executive Vice President		R.O.C. Chih Yen Wang	Male	Jul 29, 2021	606,429 0.0125		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Business Administration, National Taiwan University	None	None None None
Deputy Executive Vice President		R.O.C. Yea Ru Sheu	Female	Jul 29, 2021	171,762 0.0035		0	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Deputy Executive Vice President		R.O.C. Mei Chu Peng	Female	Jul 29, 2021	169,322 0.0035		0	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Accountancy, Soochow University	None	None None None
Deputy Executive Vice President	R.O.C.	Ying Chieh Yang	Male	Jul 29, 2021	169,023 0.0035			190 0.000 0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Industrial Management Science, National Cheng Kung University	None	None None None
Deputy Executive Vice President		R.O.C. Pei Wen Liu	Female	Jul 29, 2021	198,044 0.0041		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Science, University of Illinois at Urbana Champaign, U.S.A.	None	None None None
Deputy Executive Vice President	R.O.C.	Chia Hsun Hsu	Male	Aug 12, 2022	70,387 0.0014		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of International Trade, National Taipei College of Business	None	None None None
Deputy Executive Vice President	R.O.C. Ming	Chih Lin	Male	Aug 12, 2022	275,185 0.0057			8,558 0.000 2	0	0	" Deputy Executive Vice President of FEIB " Dept. of Information Management, Fu Jen Catholic University	None	None None None
Deputy Executive Vice President		R.O.C. Tzu Hao Liu	Male	Aug 12, 2022	390,207 0.0080		56,285 0.001	2	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration in Financial Management, Drexel University, U.S.A.	None	None None None
Deputy Executive Vice President		R.O.C. Pei Chih Lin	Female	Aug 12, 2022	140,874 0.0029		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Business Administration, National Taiwan Institute of Technology.	None	None None None
Deputy Executive Vice President	R.O.C.	Min Hung Liao	Male	Aug 12, 2022	70,000 0.0014		0	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Business Administration, Soochow University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Deputy Executive Vice President	R.O.C. Ting	Chieh Lin Male		May 02, 2023	0	0	0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration in International Business, National Taiwan University	None	None None None
Deputy Executive Vice President		R.O.C. Bin Yih Lu	Male	Aug 29, 2023	0	0	0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Economics, National Taiwan University	None	None None None
Deputy Executive Vice President	R.O.C.	Shiao Ling Tang	Female	Aug 29, 2023	302,193 0.0062		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of International Business, National Taiwan University	None	None None None
Deputy Executive Vice President	R.O.C. Hsing	Mei Chen Female		Aug 29, 2023	371,588 0.0076		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Arts in Economics, Soochow University	None	None None None
Deputy Executive Vice President	R.O.C.	Chia Chien Hsieh	Female	Aug 29, 2023	128,590 0.0026		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Statistics, National Cheng Kung University	None	None None None
Deputy Executive Vice President	R.O.C. Wan	Ping Wu Female		Aug 09, 2024	96,872 0.0020		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Business Administration, National Chengchi University	None	None None None
Deputy Executive Vice President		R.O.C. Tzu Wen Lin	Female	Aug 09, 2024	22,561 0.0005		0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration in Executive MBA Program of Information and Finance Management, National Taipei University of Technology	None	None None None
Deputy Executive Vice President		R.O.C. Chun Mei Hsieh	Female	Aug 09, 2024	70,000 0.0014		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Mathematics, Soochow University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Deputy Executive Vice President		R.O.C. Ya Wan Chang	Female	Aug 15, 2025	0	0	0	0	0	0	" Deputy Executive Vice President " Executive Master of Business Administration in Management Sciences, Tamkang University	None	None None None
Deputy Executive Vice President		R.O.C. Yu Sung Chung	Male	Aug 15, 2025	320,209 0.0066		0	0	0	0	" Deputy Executive Vice President of FEIB " Dept. of Insurance, Chinese Culture University " Deputy Executive Vice President of	None	None None None
Deputy Executive Vice President		R.O.C. Shu Ping Kao	Female	Aug 15, 2025	578	0	0	0	0	0	FEIB " Master of Business Administration, National Taiwan University of Science and Technology	None	None None None
Deputy Executive Vice President	R.O.C. Chu	Heng	Male	Aug 15, 2025		702 0.0000	0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration, Pace University, U.S.A.	None	None None None
Deputy Executive Vice President	R.O.C. Hsiu	Feng Yu Female		Aug 15, 2025	225,847 0.0046		99,414 0.002	0	0	0	" Deputy Executive Vice President of FEIB " Executive Master of Business Administration, College of Technology Management, National Tsing Hua University	None	None None None
Deputy Executive Vice President	R.O.C.	Chiung Wen Liang	Female	Aug 28, 2025	0	0	0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration, The University of Texas at Arlington, U.S.A.	None	None None None
Deputy Executive Vice President		R.O.C. Shu Tzu Hsieh	Female	Dec 11, 2025	0	0	0	0	0	0	" Deputy Executive Vice President of FEIB " Master of Business Administration, Yuan Ze University	None	None None None
Senior Vice President	R.O.C. Mag	Chen	Female	Aug 12, 2015	179,186 0.0037		0	0	0	0	" Senior Vice President of FEIB " Master of Science in Agricultural Economics, National Chung Hsing University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position
					Shares	(%)	Shares	(%)	Shares (%)					Title Name Relation
Senior Vice President		R.O.C. Chia Wei Hsiao	Male	Aug 12, 2016	115,639 0.0024		0	0	0	0	" Senior Vice President of FEIB " Dept. of History, National Taiwan University	None	None None None
Senior Vice President	R.O.C. Sofia	Hsu	Female	Aug 09, 2017	60,388 0.0012		0	0	0	0	" Senior Vice President of FEIB " The Bank Group of the Dept. of Banking and Insurance, Feng Chia University	None	None None None
Senior Vice President	R.O.C. Wilson	Huang	Male	Aug 09, 2017	20,000 0.0004		0	0	0	0	" Senior Vice President of FEIB " Dept. of Data Processing, National Taipei College of Business	None	None None None
Senior Vice President	R.O.C.	Heng Kuang Wang	Male	Jan 01, 2020		713 0.0000	0	0	0	0	" Senior Vice President of FEIB " Dept. of Banking and Insurance, National Taipei College of Business	None	None None None
Senior Vice President	R.O.C. Chun	Yen Kuo	Male	Aug 14, 2020	63,063 0.0013		0	0	0	0	" Senior Vice President of FEIB " Dept. of Business Administration, Tamkang University	None	None None None
Senior Vice President	R.O.C.	Wen Wen Tseng	Female	Aug 14, 2020	43,534 0.0009		0	0	0	0	" Senior Vice President of FEIB " Executive Master of Laws in Business Administration, National Taiwan University	None	None None None
Senior Vice President	R.O.C.	Chih Yuan Huang	Male	Mar 26, 2021	98,843 0.0020		0	0	0	0	" Senior Vice President of FEIB " Executive Master of Business Administration Program, National Chengchi University	None	None None None
Senior Vice President	R.O.C. Chia	Chen Lee Female		Jul 29, 2021	104,958 0.0022		0	0	0	0	" Senior Vice President of FEIB " Dept. of French, Tamkang University	None	None None None
Senior Vice President		R.O.C. Ching Fu Sung	Male	Nov 09, 2021	11,829 0.0002		0	0	0	0	" Senior Vice President of FEIB " Executive Master of Business Administration, Soochow University	None	None None None
Senior Vice President		R.O.C. Hui Fen Wei	Female	Nov 09, 2021	0	0	0	0	0	0	" Senior Vice President of FEIB " Dept. of Banking and Finance, Tamkang University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Senior Vice President		R.O.C. Judy Yu Female		Aug 12, 2022	259,631 0.0053		0	0	0	0	" Senior Vice President of FEIB " Executive Master of Business Administration in Human Resource Management, National Sun Yat-sen University	None	None None None
Senior Vice President		R.O.C. Ring Tsai Female		Aug 12, 2022	91,872 0.0019		0	0	0	0	" Senior Vice President of FEIB " Dept. of Economics , National Chung Hsin University	None	None None None
Senior Vice President	R.O.C. Feng	Ying Tsai Female		Aug 12, 2022	137,416 0.0028		0	0	0	0	" Senior Vice President of FEIB " Dept. of Business Administration, Soochow University	None	None None None
Senior Vice President	R.O.C. Tsung	Fan Chi	Male	Aug 12, 2022	0	0	0	0	0	0	" Senior Vice President of FEIB " Dept. of Finance, Shih Hsin University	None	None None None
Senior Vice President		R.O.C Pao Tsai Tsai	Male	Aug 25, 2025	8,195 0.0002		0	0	0	0	" Senior Vice President of FEIB " Master of Business Administration, National Chiayi University	None	None None None
Senior Vice President		R.O.C. Tse Pin Liang	Male	Aug 29, 2023	0	0	0	0	0	0	" Senior Vice President of FEIB " Executive Master of Business Administration, National Taipei University of Business	None	None None None
Senior Vice President	R.O.C.	Shan Tseng Wen	Male	Aug 29, 2023	2,074 0.0000		0	0	0	0	" Senior Vice President of FEIB " Master of Business Administration, Pace University, U.S.A.	None	None None None
Senior Vice President	R.O.C.	Chia Hsien Tseng	Male	Aug 29, 2023	10,768 0.0002		0	0	0	0	" Senior Vice President of FEIB " Dept. of Industrial Management, Kun Shan University	None	None None None
Senior Vice President		R.O.C. Bill Lee	Male	Aug 09, 2024	154,873 0.0032		0	0	0	0	" Senior Vice President of FEIB " Executive Master of Business Administration, Ling Tung University	None	None None None
Senior Vice President	R.O.C.	Sheng Hsien Chuang	Male	Jan 02, 2024	74,294 0.0015		0	0	0	0	" Senior Vice President of FEIB " Master of Business Administration, National Kaohsiung Normal University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding	Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares (%)	Shares	(%)	Shares (%)				Title Name Relation
Senior Vice President		R.O.C. Yu Shui Chen	Male	Aug 09, 2024	28,872 0.0006	0	0	0	0	" Senior Vice President of FEIB " Executive Master of Business Administration in International Finance, National Taipei University	None	None None None
Senior Vice President		R.O.C. Ke Yao Shen	Male	Aug 09, 2024	91,872 0.0019	0	0	0	0	" Senior Vice President of FEIB " Dept. of Public Administration, National Chung Hsing University	None	None None None
Senior Vice President		R.O.C. Yu Chieh Lin	Female	Aug 09, 2024	24 0.0000	0	0	0	0	" Senior Vice President of FEIB " Master of Business Administration, National Dong Hwa University	None	None None None
Senior Vice President	R.O.C. Vivian	Lee	Female	Aug 09, 2024	35,000 0.0007	0	0	0	0	" Senior Vice President of FEIB " Master of Business Administration in Global Entrepreneurial Management & Business Administration, Fu Jen Catholic University	None	None None None
Senior Vice President		R.O.C. Chih Fan Lin	Female	Aug 09, 2024	81,964 0.0017	0	0	0	0	" Senior Vice President of FEIB " Executive Master of Science in International Business, Soochow University	None	None None None
Senior Vice President	R.O.C. Pi Yun	Peng	Female	Aug 15, 2025	10,000 0.0002	0	0	0	0	" Senior Vice President of FEIB " Master of Science in Finance and Banking, National Tsing Hua University	None	None None None
Senior Vice President	R.O.C. Tien	Chung Li Male		Aug 15, 2025	43,074 0.0009	0	0	0	0	" Senior Vice President of FEIB " Dept. of Finance, Taichung Healthcare and Management University	None	None None None
Senior Vice President		R.O.C. Wei Chih Hsieh	Male	Aug 15, 2025	35,000 0.0007	0	0	0	0	" Senior Vice President of FEIB " Master of Industrial Engineering and Management, Yuan Ze University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)					Title Name Relation
Senior Vice President		R.O.C. Hsin Ya Fang		Female Mar 27, 2025		45,000 0.0009	0	0	0	0	" Senior Vice President of FEIB " Master of Institute of Economics, National Sun Yat sen University	None	None None None
Senior Vice President		R.O.C. Liu Fen Chen	Female	Aug 01, 2025		129,837 0.0027	0	0	0	0	" Senior Vice President of FEIB " Master of Science, The University of Reading, UK	None	None None None
Senior Vice President		R.O.C. Chia Tan Lai	Male	May 05, 2025		91,872 0.0019	0	0	0	0	" Senior Vice President of FEIB " Dept. of Mathematics, National Tsing Hua University	None	None None None
Vice President	R.O.C.	Wei Cheng Chen	Male	Mar 04, 2014		35,000 0.0007	0	0	0	0	" Branch Manager of FEIB " Master of Arts in History, Tunghai University	None	None None None
Vice President		R.O.C. Kuan I Li Male		Jan 01, 2018		37,074 0.0008	0	0	0	0	" Branch Manager of FEIB " Executive Master of Business Administration, National Taipei University	None	None None None
Vice President		R.O.C. Rich Liu	Male	Apr 01, 2019	0	0	0	0	0	0	" Branch Manager of FEIB " Dept. of Industrial Engineering and Management, Lien Ho College of Technology & Commerce	None	None None None
Vice President	R.O.C.	Chin Hsing Yeh	Male	Aug 12, 2019	281,872 0.0058		0	0	0	0	" Branch Manager of FEIB " Master of Business Administration, I Shou University	None	None None None
Vice President	R.O.C. I Wen	Pao	Male	Aug 12, 2019	0	0	0	0	0	0	" Branch Manager of FEIB " Dept. of Finance and Banking, Shih Chien University	None	None None None
Vice President		R.O.C. Che Wei Chang	Male	Nov 05, 2020	0	0	0	0	0	0	" Branch Manager of FEIB " Dept. of Accountancy, National Taipei University	None	None None None
Vice President	R.O.C. Adam	Chen	Male	Jul 29, 2021	333,202 0.0068		0	0	0	0	" Branch Manager of FEIB " Dept. of Economics, Chinese Culture University	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Vice President		R.O.C. Chi Shun Lien	Male	Aug 02, 2021	0	0	0	0	0	0	" Branch Manager of FEIB " Master of Business Administration, Tung Hai University	None	None None None
Vice President	R.O.C.	Kuan Hsuan Chen	Female	Aug 02, 2021	0	0	0	0	0	0	" Branch Manager of FEIB " Dept. of Japanese Language and Culture, Soochow University	None	None None None
Vice President		R.O.C. Suih Chi Liu	Male	Aug 02, 2021	35,000 0.0007		0	0	0	0	" Branch Manager of FEIB " Dept. of Land Management and Development, Chang Jung Christian University	None	None None None
Vice President	R.O.C.	Min Chung Lin	Male	Nov 09, 2021	81,872 0.0017		0	0	0	0	" Branch Manager of FEIB " Master of Business Administration in Human Resources and Public Relations, Da-Yeh University	None	None None None
Vice President	R.O.C.	Huei Chen Chien	Female	May 05, 2022	21,050 0.0004		0	0	0	0	" Branch Manager of FEIB " Master of Business Administration in Management, Fu Jen Catholic University	None	None None None
Vice President	R.O.C. Yung	Chieh Lin Male		May 05, 2022	21,717 0.0004		0	0	0	0	" Branch Manager of FEIB " Executive Master of Business Administration in International Finance, National Taipei University	None	None None None
Vice President		R.O.C. Chun Yu Huang	Male	Aug 12, 2022	22,000 0.0005		0	0	0	0	" Branch Manager of FEIB " Master of Science in Industrial Economics, National Central University	None	None None None
Vice President	R.O.C. Yu Ju	Chang	Female	Aug 12, 2022	115,465 0.0024		0	0	0	0	" Branch Manager of FEIB " Master of Business Administration, Chaoyang University of Technology	None	None None None
Vice President		R.O.C. Yu Shan Huang	Female	Sep 01, 2022	35,000 0.0007		0	0	0	0	" Branch Manager of FEIB " Dept. of Information Management, Chien Hsin University of Science and Technology	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Vice President		R.O.C. Hao Kuei Cheng	Male	Nov 03, 2022	35,000 0.0007		0	0	0	0	" Branch Manager of FEIB " Executive Master of Business Administration, National Taipei University	None	None None None
Vice President	R.O.C	Shih Cheng Lin	Male	Mar 02, 2023	0	0	0	0	0	0	" Branch Manager of FEIB " Dept. of International Trade, Extension School with Chihlee Institute of Technology	None	None None None
Vice President	R.O.C	Sung Huang Kuo	Male	Mar 02, 2023	0	0	0	0	0	0	" Branch Manager of FEIB " Dept. of Economics, Aletheia University " Branch Manager of	None	None None None
Vice President	R.O.C	Fang Liang Yeh	Male	Aug 29, 2023	35,000 0.0007		0	0	0	0	FEIB " Executive Master of Business Administration in Technology Management, National University of Tainan	None	None None None
Vice President		R.O.C. Chung En Weng Male		Aug 29, 2023	65,510 0.0013		0	0	0	0	" Vice President of FEIB " Master of Education in Industrial Technology Education, National Taiwan Normal University	None	None None None
Vice President		R.O.C Yu Wei Li Male		Aug 29, 2023	35,000 0.0007		0	0	0	0	" Branch Manager of FEIB " Master of Science in Finance and Risk, SHU-TE University	None	None None None
Vice President		R.O.C. Wei Lan Lu	Male	Aug 09, 2024	0	0	0	0	0	0	" Branch Manager of FEIB " Dept. of Insurance, Tamkang University	None	None None None
Vice President	R.O.C.	Chien Lung Chen	Male	Aug 09, 2024	85,340 0.0018		0	0	0	0	" Branch Manager of FEIB " Master of Business Administration, Yuan Ze University	None	None None None
Vice President		R.O.C. Hui Min Hsu	Female	Nov 07, 2024	1,025 0.0000		0	0	0	0	" Branch Manager of FEIB " Dept. of International Trade, Chung Chou Institute of Technology & Commerce	None	None None None

Title	National ity		Name Gender	Date elected	Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Experience ȐEducationȑ	Other Position	Managers who are Spouses or Within Two Degrees of Kinship
					Shares	(%)	Shares	(%)	Shares (%)				Title Name Relation
Vice President		R.O.C. Shu Yu Chang	Female	Aug 15, 2025	26,000 0.0005		0	0	0	0	" Branch Manager of FEIB " Dept. of Business Administration, National Taiwan Institute of Technology	None	None None None
Vice President		R.O.C. Wen Pi Liu	Male	May 05, 2025	54,514 0.0011		0	0	0	0	" Vice President of FEIB " Master of Science in Management (Information Management), Fu Jen Catholic University	None	None None None
Vice President		R.O.C. Chun I Chih	Female	May 26, 2025	35,000 0.0007		0	0	0	0	" Branch Manager of FEIB " Dept. of Applied Commerce, National Taichung University of Science and Technology	None	None None None
Vice President		R.O.C. Kun Tso Lin	Male	Aug 15, 2025		24 0.0000	0	0	0	0	" Branch Manager of FEIB " Dept. of Finance and Banking, Shih Chien University	None	None None None
Vice President	R.O.C. Shun	Wen Lee	Male	Mar 04, 2025	35,024 0.0007			14 0.0000	0	0	" Branch Manager of FEIB " Dept. of Business Administration, National Taiwan University	None	None None None
Vice President		R.O.C. Chun Ju Liu	Female	Mar 04, 2025	35,000 0.0007		0	0	0	0	" Branch Manager of FEIB " Dept. of Finance, Jinwen University of Science and Technology	None	None None None
Deputy Vice President		R.O.C. Chin Chi Lin	Male	Jan 02, 2024	26,000 0.0005		0	0	0	0	" Branch Manager of FEIB " Dept. of Economics, Tunghai University	None	None None None

Note: The above elected dates unlike previous content are because the principle adjustments according to the dates reported to the board of directors for approval.

(3) Information of the Bank's Consultants Retiring from the Bank or Its Affiliates as Chairman or President

Title	Nationality Name Gen	der	Pre-retirement position Organization & Position	Retire Date	Date as the Consultant	Hiring Purpose	Authority and	Responsibility Remuneration	Ratio of Remuneration as a % of Net Income (%)
					None

(4) The reasons, justification, necessity and corresponding actions when Chairman and President or the equivalent most senior manager are the same person, as spouse, or as a relative with 1 degree of kinship to each other

None.

					Directors and I		ndependent	Directors
	Unit: NT\$ Thousands																		December 31, 2025
						Remuneration					Total Remuneration		Relevant Remuneration Received by Directors Who are Also Employees						Total Compensation
			Base Compensation (A) Severance Pay (B)				Compensation (C) Directors		Allowances (D)		Ratio to Net Income (%) (A+B+C+D) and the		Salary, Bonuses, and Allowances (E)		Severance Pay (F)	Employee Compensation (G)			and Ratio to Net Income (A+B+C+D+E+F+G) (%)	Paid to Directors Compensation from an
Title Far Eastern International Bank	Name	The Bank	All companies consolidated statements financial in the	Bank The	consolidated statements companies financial in the All	Bank The	All companies consolidated statements financial in the	The Bank	All companies consolidated statements financial in the	The Bank	All companies consolidated statements financial in the	The Bank	All companies consolidated statements financial in the	Bank The	All companies consolidated statements financial in the	cash stock cash stock The Bank	statements companies consolidate d financial in the All	The Bank	consolidated statements companies financial in the All	Company Other Company's Subsidiary invested than the
Chairperson	Representative: Ching-Ing Hou Industry Co., Yue Ding Ltd.	14,655	14,655	-	-	8,568	8,568	car rental 237; compensation: Driver's 105 (noteǺ 517)	car rental 237; compensation Driver's : 517) 105 (noteǺ			-	-	-	-	- -	- -			NA
Chairman Vice	Douglas Tong Hsu	15,023	15,023	-	-	8,498	8,498	35	35	102,911 Total :	102,963 Total :	-	-	-	-	- -	- -	132,641 Total :	132,693 Total :	970
Directors	(refer as follow) 3,127		3,179	-	-	39,043	39,043	compensation: car rental 28; Driver's 235 (noteǺ 50)	compensation car rental 28; Driver's 235 (noteǺ : 50)	2.467% Ratio:	2.468% Ratio:	compensation (noteǺcar rental 77; Driver's 3,386 : 140)	compensation: (noteǺcar rental 77; Driver's 3,386 140)	25,917	25,917	- 428	- 428	3.180% Ratio:	3.181% Ratio:	147
Independent Directors	(refer as follow) 6,082		6,082	-	-	7,280	7,280	260	260			-	-	-	-	- -	- -			NA

Please explain the policies, systems, standards, and structure of independent directors' compensation, and describe how the remuneration amount relates to responsibilities, risks, and time commitment: Remuneration for independent directors includes compensation and profit-sharing bonuses. According to Article 25 of the Bank's Articles of Incorporation, directors' remuneration shall not exceed 1.5% of the Bank's profit before tax, employee bonuses, and directors' compensation. The Bank's "Regulations for Distribution of Directors' Remuneration" have been approved by both the Remuneration Committee and the Board. The determination process refers to industry standards, results of Board and committee performance evaluations, and takes into account business performance and actual or expected risk exposures. The level of remuneration is positively correlated with the duties, risks, and time commitment of independent directors.
In addition to the disclosed information above, no directors received compensation for providing non-employee services (e.g., serving as consultants to subsidiaries or investees included in the financial report) in the most recent year: NA

澿The list of Directors:

(1) Far Eastern New Century Corp. Representatives: Shaw Y. Wang / Executive Director, Humphrey Cheng / Director, James Wu / Director (2) Asia Cement Corp. Representatives: Tsung-Ming Chung / Executive Director.

(3) U-Ming Marine Transport Corp. Representative: Jeff Hsu / Director, Representative newly appointed on October 29, 2025.

(4) Yue Ding Industry Corp. Representative: Ching-Ing Hou / Chairperson, Representative passed away on October 3, 2025. Thomas Chou / Incumbent chairman (During the period from October 29, 2025 to December 14, 2025, he concurrently served as a director of the Bank while holding the position of president. He was elected as chairman of the Bank on December 15, 2025 (on which date his retirement from the position of president became effective). Accordingly, for 2025, his relevant information is disclosed under the remuneration of directors concurrently serving as employees. For directors concurrently serving as employees for only part of the year, salaries, bonuses, allowances, and employee compensation are calculated on

澿The list of Independent Directors:

a pro rata basis according to the number of days served, while retirement benefits are recognized in full.)

(1) Independent Director & managing Director: Chia-Juch Chang (Served as acting chairman from October 14, 2025 to December 14, 2025.) Independent Director: Hsiao Hui Wang. Independent Director: Bing Shen. Independent Director: Chiu-Ling Lu.

			Name of Directors
		Total Remuneration (A+B+C+D)	Total Remuneration (A+B+C+D+E+F+G)
Range of Remuneration	The Bank	All companies in the consolidated financial statements	The Bank	Parent company and subsidiaries
\$1,000,000 Under NT	-	-	-	-
\$2,000,000 (non-inclusive) ɴ NT\$1,000,000 (inclusive) NT	-	-	-	-
NT\$3,500,000 (non-inclusive) ɴ NT\$2,000,000 (inclusive)	Director: Yue Ding Industry Co., Ltd Independent Directors: Hsiao Hui Chiu-Ling Lu Representative: Thomas Chou Wang; Bing Shen; " "	Director: Yue Ding Industry Co., Ltd Independent Directors: Hsiao Hui Chiu-Ling Lu Representative: Thomas Chou Wang; Bing Shen; " "	Independent Directors: Hsiao Hui Chiu-Ling Lu Wang; Bing Shen; "	Independent Directors: Hsiao Hui Chiu-Ling Lu Wang; Bing Shen; "
\$5,000,000 (non-inclusive) ɴ NT\$3,500,000(inclusive) NT	-	-	-	-
NT\$10,000,000 (non-inclusive) ɴ NT\$5,000,000 (inclusive)	Directors: Far Eastern New Century Representative: Tsung-Ming Chung Wang; Humphrey Cheng; James Chia-Juch Director: U-Ming Marine Transport Corp. Representatives: Shaw Y. Jeff Hsu Director: Asia Cement Corp. Independent Directors: Corp. Representative: Wu " " " "	Directors: Far Eastern New Century Representative: Tsung-Ming Chung Chia-Juch Wang; Humphrey Cheng; James Director: U-Ming Marine Transport Corp. Representatives: Shaw Y. Jeff Hsu Director: Asia Cement Corp. Independent Directors: Corp. Representative: Wu " " " "	Directors: Far Eastern New Century Representative: Tsung-Ming Chung Chia-Juch Wang; Humphrey Cheng; James Director: U-Ming Marine Transport Corp. Representatives: Shaw Y. Jeff Hsu Director: Asia Cement Corp. Independent Directors: Corp. Representative: Wu " " " "	Directors: Far Eastern New Century Representative: Tsung-Ming Chung Chia-Juch Wang; Humphrey Cheng; James Director: U-Ming Marine Transport Corp. Representatives: Shaw Y. Jeff Hsu Director: Asia Cement Corp. Independent Directors: Corp. Representative: Wu " " " "
	Chang	Chang	Chang	Chang
\$15,000,000 (non-inclusive) ɴ NT\$10,000,000(inclusive) NT	-	-	-	-
NT\$30,000,000 (non-inclusive) ɴ NT\$15,000,000 (inclusive)	Director: Yu Ding Industrial Co., Ltd. Representative: Ching-Ing Hou Director: Douglas Tong Hsu " "	Director: Yu Ding Industrial Co., Ltd. Representative: Ching-Ing Hou Director: Douglas Tong Hsu " "	Director: Yu Ding Industrial Co., Ltd. Representative: Ching-Ing Hou Director: Douglas Tong Hsu " "	Director: Yu Ding Industrial Co., Ltd. Representative: Ching-Ing Hou Director: Douglas Tong Hsu " "
\$50,000,000 (non-inclusive) NT\$30,000,000ɴ(inclusive) NT	-	-	Director: Yue Ding Industry Co., Ltd Representative: Thomas Chou "	Director: Yue Ding Industry Co., Ltd Representative: Thomas Chou "
\$100,000,000 (non-inclusive) ɴ NT\$50,000,000 (inclusive) NT	-	-	-	-
\$100,000,000 Over NT	-	-	-	-
Total	12	12	12	12
1. Far Eastern New Century Corp. Representatives: Shaw Y. ࿭The list of Directors:	2. Asia Cement Corp. Representatives: Tsung-Ming Chung / Executive Director.	Wang / Executive Director, Humphrey Cheng / Director, James	Wu / Director
4. Yue Ding Industry Corp. Representative: 3. U-Ming		Ching-Ing Hou / Chairperson, Representative passed away on October 3, 2025. Thomas Chou / Incumbent chairman (During the period from October 29, 2025 to Marine Transport Corp. Representative: Jeff Hsu / Director, Representative newly appointed on October 29, 2025.

The list of Directors:

December 14, 2025, he concurrently served as a director of the Bank while holding the position of president. He was elected as chairman of the Bank on December 15, 2025 (on which date his retirement from the position of president became effective). Accordingly, for 2025, his relevant information is disclosed under the remuneration of directors concurrently serving as employees. For directors concurrently serving as employees for only part of the year, salaries, bonuses, allowances, and employee compensation are calculated on a pro rata basis according to the number of days served, while retirement benefits are recognized in full.) The list of Independent Directors:

Independent Director & managing Director: Chia-Juch Chang (Served as acting chairman from October 14, 2025 to December 14, 2025.) Independent Director: Hsiao Hui Wang. Independent Director: Bing Shen. Independent Director: Chiu-Ling Lu.

	December 31, 2025	Remuneration from Investee Companies,	parent company Subsidiaries or Excluding		574	NA	NA	NA	NA	NA	NA	490	NA	NA	NA		NA
		Ratio to Net Income Total Compensation (A+B+C+D) and (%)	companies in the All	statement financial		170,346 4.084% Ratio: Total:
			The Bank							Total:	169,916	4.073% Ratio:
			in the financial All companies statement	dividend Stock							-
		Dividends (D)	dividend Cash		11,593
			The Bank	dividend Stock							-
				dividend Cash							11,593
			All companies in the financial	statement						83,712	(Car rentalǺ2,310ǹ Driver	compensationǺ2,979)
		Bonus and Special Allowance (C)	The Bank							83,352	Driver compensationǺ (Car rentalǺ2,310ǹ	2,979)
		Severance or Retirement Payment (B)	All companies in the	statement financial	25,917
			Bank The	25,917
		Salary(A)	companies in the All	statement financial		49,125
			The Bank								49,054
muneration of the President and Executive Vice Presidents		Name		Thomas Chou (remark 1)	Jiann Jong Lin (remark 2)	Ben Liao Ru	Simon Tai	Sophie Chang	Steve Chi	Lonnie Liu	James Dai	Shin Hwa Chou (remark 3)	Ying Ching Hu	Wen Ming Yang (remark 4)		Elaine Yeh
B. Re	Unit: NT\$ Thousands	Title			President	Acting President	Senior Executive Vice President	Executive Vice President	Executive Vice President	Executive Vice President	Executive Vice President	Executive Vice President	Executive Vice President	Executive Vice President	Chief Auditor	Compliance Chief	Officer of the Head Office
		Far Eastern International Bank 2025 Annual Report

⁴⁰ Far Eastern International Bank

Note 1: President Thomas Chou retired effective December 15, 2025, and assumed the Chairman on the same day. This table discloses only the remuneration received during his tenure as President.

Note 2: Chief Executive Vice President Jiann Jong Lin has served as the Acting President since December 15, 2025.

Note 3: Executive Vice President Shin Hwa Chou resigned effective July 21, 2025.

Note 4: The Chief Auditor Wen Ming Yang was approved by FSC on October 14, 2025.

Remuneration Range of President and Executive Vice President

		December 31, 2025
	Names of President and Executive Vice President
Range of Remuneration	The Bank	Parent company and subsidiaries
Below NT\$1,000,000	-	-
NT\$1,000,000(inclusive)~2,000,000(exclusive)	-	-
NT\$2,000,000(inclusive)~3,500,000(exclusive)	-	-
NT\$3,500,000(inclusive)~5,000,000(exclusive)	Wen Ming Yang	Wen Ming Yang
NT\$5,000,000(inclusive)~10,000,000(exclusive)	Simon Tai / Lonnie Liu / James Dai / Shin Hwa Chou/ Ying Ching Hu / Elaine Yeh	Simon Tai / Lonnie Liu / James Dai/Shin Hwa Chou/ Ying Ching Hu / Elaine Yeh
NT\$10,000,000(inclusive)~15,000,000(exclusive)	Jiann Jong Lin / Sophie Chang	Jiann Jong Lin / Sophie Chang
NT\$15,000,000(inclusive)~30,000,000(exclusive)	Steve Chi / Ben Liao Ru	Steve Chi / Ben Liao Ru
NT\$30,000,000(inclusive)~50,000,000(exclusive)	-	-
NT\$50,000,000(inclusive)~100,000,000(exclusive)	Thomas Chou	Thomas Chou
Over NT\$100,000,000	-	-
Total	12	12

Note 1: President Thomas Chou retired effective December 15, 2025, and assumed the Chairman on the same day. This table discloses only the remuneration received during his tenure as President.

Note 2: Chief Executive Vice President Jiann Jong Lin has served as the Acting President since December 15, 2025.

Note 3: Executive Vice President Shin Hwa Chou resigned effective July 21, 2025.

Note 4: The Chief Auditor Wen Ming Yang was approved by FSC on October 14, 2025.

C. Remuneration of Managers

Unit: NT\$ Thousands December 31,2025
	Tile	Name	Employee Compensation - in Stock (Fair Market Value)	Employee Compensation - in Cash	Total	Ratio of Total Amount to Net Income (%)
Managers	Please refer Page 20-37		0	34,005	34,005	0.82%

(6) Analysis of Directors, President, and Executive Vice Presidents' Remuneration over the Past Two Years, and Its Proportion to Net Income

A. Remuneration Amount and Net Income Proportion for the Past Two Years.

								Unit: NT\$ Thousands
		2024		2025
	Total Amount			Ratio of Total Amount to Net Income (%)		Total Amount		Ratio of Total Amount to Net Income (%)
Title	The Bank	All companies in the consolidate d financial statements	The Bank	All companies in the consolidated financial statements	The Bank	All companies in the consolidated financial statements	The Bank	All companies in the consolidated financial statements
Directors	105,818	105,866	2.463	2.464	102,911	102,963	2.467	2.468
President, Executive Vice Presidents	142,083	142,485	3.306	3.316	169,916	170,346	4.073	4.084
Total	247,901	248,351	5.769	5.779	272,827	273,309	6.540	6.552

Note 1: President Thomas Chou retired effective December 15, 2025, and assumed the Chairman on the same day. This table

discloses only the remuneration received during his tenure as President.

Note 2: Chief Executive Vice President Jiann Jong Lin has served as the Acting President since December 15, 2025. Note 3: Executive Vice President Shin Hwa Chou resigned effective July 21, 2025.

Note 4: The Chief Auditor Wen Ming Yang was approved by FSC on October 14, 2025.

B. The policies, standards, and components of remuneration, the procedures for determining remuneration, and the correlation with risks and business performance.
(a) The compensations for directors include compensation, expenses for business execution and earnings distribution. If there is net income before income tax, the remuneration of directors and employees' compensation (IBTCR), the Bank should retain a remuneration of directors no greater than 1.5% of IBTCR. The procedures for determining remuneration are based on the comparable level offered by other companies in the same trade, the performance evaluation results of the board of directors and functional committees (Important evaluation items, include meeting attendance rate, annual training hours per the requirements of the competent authority, concurrent Independent Directors per the requirements of the competent authority, participation, contribution to the Bank's management, and communication with the management team, etc.), and take into account the Bank's operating performance and the expected or actual risks that have occurred, subject to the "Regulations for Directors' Remuneration Distribution". After approval by the Remuneration Committee, it shall be reported to the board of directors for final approval.
(b) In accordance with Article 25 of the Articles of Incorporation, "If there be net income before income tax, remuneration of directors and employees' compensation, the Bank should retain a remuneration of directors no greater than 1.5% and an employees' compensation of 3.5%-4.5%, with no less than 25% of the employees' compensation reserved for non-executive employees. Should there be accumulated loss, the Bank shall retain earnings to cover the loss in advance."

Based on the reasonable correlation between individual performance, business performance, and future risks of the Bank, the policies, standards, and components of remuneration for managerial officers ((including the president and vice presidents) are established and regularly reviewed by the Remuneration Committee. The board of directors then determines the result after considering the Remuneration Committee's suggestions to ensure its comparability to the risk level of the Bank and general pay levels in the industry.

Merit pay will be evaluated based on financial factors (such as revenue, net profit before tax, etc.) and non-financial factors (compliance, risk management, etc.).

2. Implementation of Corporate Governance

(1) Information for the Operations of the Board of Directors

In 2025, the Board of Directors convened six times. The attendance of directors (including independent directors) is detailed as follows:

Title	Name	Attendance in Person	Attendance by Proxy	Actual Attendance Rate (%)	Remarks
Chairperson	Yue Ding Industry Co., Ltd. Representative: Ching-Ing Hou	3	0	100%	Passed away on Oct 3, 2025
Chairperson	Yue Ding Industry Co., Ltd. Representative: Thomas Chou	2	0	80%	Appointed as Director on Oct 29, 2025, and elected as Chairman on Dec 11, 2025
Vice Chairman	Douglas Tong Hsu	3	0	50%
	Executive Director Far Eastern New Century Corp. Representative: Shaw Y. Wang	6	0	100%
Executive Director	Asia Cement Corp. Representative: Tsung-Ming Chung	6	0	100%
Director	Far Eastern New Century Corp. Representative: Humphrey Cheng	6	0	100%
Director	Far Eastern New Century Corp. Representative: James Wu	5	0	83%
Director	U-Ming Marine Transport Corp. Representative: Jeff Hsu	2	0	100%	Appointed as Director on Oct 29, 2025
Independent Director, Managing Director	Chia-Juch Chang	6	0	100%
Independent Director	Hsiao Hui Wang	5	1	83%
Independent Director	Bing Shen	5	1	83%
Independent Director	Chiu-Ling Lu	6	0	100%

Additional Disclosures:

If any of the following occurred during board meetings, details including the meeting date, session, resolution agenda,

independent directors' opinions, and how the company addressed them must be provided:

(1) Items listed under Article 14-3 of the Securities and Exchange Act:

According to Article 14-5 of the Securities and Exchange Act, FEIB has established an Audit Committee. Therefore, Article 14-3 is not applicable.

(2) Other board resolutions opposed or with reserved opinions by independent directors with written statements or records: None.

Conflict of interest recusals must include the director's name, the agenda topic, the reason for the recusal, and their participation in voting:

The related-party agenda items for fiscal year 2025 included credit extension proposals, renewal of leases for the Head Office/Business Department and Dunhua South Branch premises, renewal of a five-year maintenance service contract for the Neihu Ankang data center racks, establishment of a ȾNomination Committee,ȿ renewal of the co-branded eTag credit card and eTag Inside credit card agreement, credit line facilities for Ta Chong Bills Finance Corporation and Far Eastern Securities Finance Corporation, as well as compensation proposals for the Acting Chairman, newly appointed Chairman, and newly appointed President.

During the proceedings of these agenda items, where any conflict of interest was involved, the names of the directors concerned, the content of the agenda, and the reasons for recusal were duly disclosed. Chairman Thomas Chou, Vice Chairman Douglas Tong Hsu, Executive Director Shaw Y. Wang, Executive Director Tsung-Ming Chung, Director Humphrey Cheng, Director James Wu, Director Hsu Jeff Hsu, Independent Director Chia-Juch Chang, Independent Directo Bing Shen and Independent Director Chiu-Ling Lu each recused themselves from the respective matters in which they had an interest and did not participate in the discussion or voting. The remaining attending directors approved the proposals as presented.

Listed and OTC banks must disclose the evaluation period, frequency, scope, method, and key content of board self-assessments or peer reviews. A summary of performance evaluations for the board and its functional committees is provided in the annexed table.

Evaluation Cycle	Evaluation Period	Evaluation Scope	Evaluation Method	Evaluation Content
Internal evaluation Once a year	2025	1.Board of directors meeting 2.Functional committees	1.Overall evaluation 2.Self-evaluation by individual members	Board Evaluation Scope: 1. Overall: Covers participation in operations, decision-making quality, board composition and structure, director selection and development, and internal control. 2. Individual Directors: Understanding of company goals, duties awareness, participation in operations, internal relationship management, professional competence, continuous education, and internal control. Functional Committees Evaluation Scope (Overall and Individual Members): Participation in company operations, awareness of committee duties, decision making quality, committee composition and member selection, and internal control.
External evaluation once three years	In April 2025, the Bank commissioned Ernst & Young Consulting to conduct an independent evaluation of the Board and Functional Committees' effectiveness.	1.Board of directors meeting 2.functional committees	Methods included document review, director interviews, and analysis of internal performance self assessment questionnaires, culminating in observations and recommendations.	Evaluation covered eight aspects: board structure and processes, member composition, corporate governance structure, roles and responsibilities, behaviors and culture, director training and development, risk oversight, and reporting/disclosure and performance supervision, summarized into three dimensions: structure, membership, and information processes.

Performance Evaluation Implementation of the Board and Functional Committees:

Objectives and outcomes of board function enhancements for the current and previous fiscal years (e.g., establishing an Audit Committee, improving information transparency):

(1) To enhance the functions of the Board of Directors and strengthen governance mechanisms, the Bank voluntarily established a functional committee under the Board of Directors - the Nomination Committee on November 10, 2025, and adopted the Charter of the Nomination Committee.

(2) To improve board operations, FEIB adopted the "Rules of Procedure for the Board of Directors" on February 23, 2005. The 14th amendment was approved on November 7, 2024.

(3) Pursuant to Article 14-4 of the Securities and Exchange Act, FEIB enacted the "Audit Committee Charter" on May 5, 2015. The 4th revision was made on November 7, 2024, to enhance the committee's authority.

(4) To enhance corporate governance, FEIB issued the "Corporate Governance Best Practice Principles" on November 6, 2015. The 4th revision was completed on March 2, 2023, focusing on board-level sustainability.

(5) To implement corporate sustainability practices, FEIB introduced the "Corporate Social Responsibility Principles" on November 6, 2015, renamed the "Sustainability Practices Principles" on August 12, 2022, with expanded content.

(2) Information for the Operations of Audit Committee

A. Composition of the Audit Committee

In accordance with Article 14-4 of the Securities and Exchange Act, the Audit Committee of FEIB is composed entirely of independent directors.

B. Responsibilities of the Audit Committee

According to Article 6 of the Audit Committee Charter, the responsibilities include:

(a) Reviewing or amending internal control systems as stipulated by Article 14-1 of the Securities and Exchange Act.
(b) Evaluating the effectiveness of internal control systems.
(c) Reviewing or amending procedures for major financial operations such as asset acquisitions/disposals, derivatives trading, lending funds, or providing guarantees as per Article 36-1.
(d) Reviewing matters involving conflicts of interest of directors.
(e) Reviewing major asset or derivatives transactions.
(f) Reviewing public offerings, issuances, or private placements of equity securities.
(g) Appointment, dismissal, or compensation of the certifying CPAs.
(h) Appointment or dismissal of financial, accounting, or internal audit officers.
(i) Reviewing annual and semi-annual financial statements.
(j) Reviewing business reports, earnings distributions, or loss offsetting proposals.
(k) Reviewing merger and acquisition cases.
(l) Promoting and supervising the implementation of the responsibility mapping system.
(m)Supervising risk management practices.
(n) Reviewing other major matters as required by the bank or regulators.
C. Meeting Attendance of the Audit Committee
(a) In 2025, the Audit Committee convened four times. Attendance by independent directors is summarized as follows:

Title	Name	Attendance in Person	Attendance by Proxy	Actual Attendance Rate (%)
Independent Director	Hsiao Hui Wang	4	0	100%
Independent Director, Managing Director	&KLD-XFK&KDQJ	3	1	75%
Independent Director	Bing Shen	4	0	100%
Independent Director	Chiu-Ling Lu	4	1	100%

Additional Notes:

1. If the committee discussed any of the following, please disclose the meeting date, session, agenda, resolution, and handling of committee opinions:
(1) Items under Article 14-5 of the Securities and Exchange Act.
(2) Items not approved by the Audit Committee but passed by two-thirds of the full Board.
- (b) In each meeting, the Committee presented a report on the implementation of resolutions from the previous meeting, and deliberated on the following agenda items:

Audit Committee	Agenda and Follow-up	Items in Article 14-1 of the Securities and Exchange Act	Not been approved by the Audit Committee but have been passed by a vote of two-thirds or more of the entire Board of Directors
3rd Session of 4th Audit Committee March 3, 2025	" FSC inspection findings and remediation status: May 2023 general business inspection / May 2023 general business inspection / January 2024 internal management project inspection / May 2024 liquidity risk management project inspection " Q4 2024 Internal Audit Report " Status report on the implementation of the compliance system and outsourcing arrangements for the second half of 2024 / Report on AML/CFT implementation	3	None

Audit Committee	Agenda and Follow-up	Items in Article 14-1 of the Securities and Exchange Act	Not been approved by the Audit Committee but have been passed by a vote of two-thirds or more of the entire Board of Directors
	" Overall information security implementation in 2024; write offs of bad debts for credit cards and consumer finance " 2024 consolidated financial statements and parent-only financial statements / earnings distribution / issuance of new shares through capitalization of shareholder dividends " Assessment of independence and qualification of certifying CPAs for 2025 financial statements " Private placement issuance of common shares / preferred shares / convertible bonds " 2024 annual business report " Amendments to the Articles of Incorporation / authority and responsibility allocation table (RACI matrix) and internal reporting flowchart " 2024 Statement on Internal Control System " 2024 project audit results on AML/CFT mechanisms / Statement on Internal Control System / Statement on Internal Control System for Personal Data Protection " Revisions to Information Security Policy / Credit Card Credit Granting Guidelines / Personal Loan Credit Granting Guidelines / Insurance Internal Control and Solicitation Procedures " Undertaking Citi's securities attestation engagement " Credit Cases Result烉The proposal was passed by a unanimous vote and no objection.
4th Session of 4th Audit Committee May 2, 2025	Dealing with result of Audit Committee烉Handle in accordance with the resolution. " Q1 2025 Consolidated Financial Statements " Capital increase through issuance of common shares within the authorized capital specified in the Articles of Incorporation " Amendments to the Major Contingency Reporting Guidelines / Liquidity Risk Management Guidelines / Personal Housing Loan Credit Granting Guidelines " 2024 Enterprise-wide AML/CFT Risk Assessment Report / AML/CFT Program / AML/CFT Risk Assessment Report for Insurance Agency Business " FSC project inspection findings and remediation status (November 2024) on wealth management personnel management and financial consumer protection operations " Q1 2025 Internal Audit Report " Write-offs of bad debts for corporate banking and consumer finance " Credit Cases Result烉The proposal was passed by a unanimous vote and no objection. Dealing with result of Audit Committee烉Handle in accordance with the resolution.	3	None
5th Session of 4th Audit Committee Aug 14, 2025	" H1 2025 Parent-only Financial Statements and Consolidated Financial Statements " Appointment of the Acting Chief Auditor as permanent Chief Auditor " Renewal of leases for the Head Office/Business Department and Dunhua South Branch premises " Renewal of a five-year maintenance service contract for the Neihu Ankang data center racks " Amendments to Insurance Internal Control and Solicitation Procedures " FSC project inspection findings and remediation status (May 2024) on liquidity risk management " Q2 2025 Internal Audit Report	3	None

Audit Committee	Agenda and Follow-up	Items in Article 14-1 of the Securities and Exchange Act	Not been approved by the Audit Committee but have been passed by a vote of two-thirds or more of the entire Board of Directors
	" Status report on the implementation of the compliance system and outsourcing arrangements for the first half of 2025 / Report on AML/CFT implementation " Write-offs of bad debts for credit cards and consumer finance
	Result烉The proposal was passed by a unanimous vote and no objection.
6th Session of 4th Audit Committee Nov 7, 2025	Dealing with result of Audit Committee烉Handle in accordance with the resolution. " 2026 Internal Audit Plan Changes in certifying CPAs for the 2025 financial " statements and assessment of their independence and qualifications " Consolidated Financial Statements for the first three quarters of 2025 Renewal of the co-branded eTag credit card and eTag " Inside credit card agreement " Amendments to the Bank's internal control standard guidelines for proprietary bond trading business conducted by its securities operations Credit line facilities for Ta Chong Bills Finance Corporation " and Far Eastern Securities Finance Corporation " FSC project inspection (November 2024) on wealth management personnel management and financial consumer protection operations, and the status of improvements " Q3 2025 Internal Audit Report " Write-offs of bad debts for consumer finance " Credit Cases Result烉The proposal was passed by a unanimous vote and no objection. Dealing with result of Audit Committee烉Handle in accordance with the resolution.	3	None

Conflict of interest recusals by independent directors:

The related-party agenda items for fiscal year 2025 included credit extension proposals, the 2026 Internal Audit Plan, changes in certifying CPAs for the 2025 financial statements and the assessment of their independence and qualifications, the consolidated financial statements for the first three quarters of 2025, renewal of the co-branded eTag credit card and eTag Inside credit card agreement, amendments to the internal control standard guidelines for proprietary bond trading business conducted by the Bankȷs securities operations, credit line facilities for Ta Chong Bills Finance Corporation and Far Eastern Securities Finance Corporation, the FSC's project inspection (November 2024) on wealth management personnel management and financial consumer protection operations and the status of improvements, the Q3 2025 Internal Audit Report, write-offs of bad debts for consumer finance, and the lifting of restrictions on directors' noncompete obligations under Article 209 of the Company Act.

During the proceedings of these agenda items, where any conflict of interest was involved, the names of the independent directors concerned, the content of the agenda, and the reasons for recusal were duly disclosed. Independent Director Chia-Juch Chang, Independent Directo Bing Shen and Independent Director Chiu-Ling Lu each recused themselves from the respective matters in which they had an interest and did not participate in the discussion or voting. The remaining attending independent directors approved the proposals as presented.

1. Communication between Independent Directors, Internal Audit Officers, and CPAs:
(1) Communication Methods:
- The CPA has fully communicated with the Independent Directors regarding the firsthalf financial statements of the year, the annual financial statements, and the annual audit plan.
- Internal auditors engage independent directors in yearly meetings to present internal audit reports and to discuss fully any major issues, which are summarized in the meeting minutes to the Board of Directors for report.
- The Audit Committee is composed of all members of independent directors, to which the chief auditor reports on a quarterly basis on the progress of ongoing audits.
(2) Summary of Communications Between Independent Directors and Internal Audit/CPAs:

Date	Attendees	Points of communication	Result
The 3rd Audit Committee meeting of the 4th term held on March 3, 2025	Independent Directors and CPAs	Reported the results of auditing 2024 parent company only financial statements and consolidated financial statements, and responded to the questions from Independent Directors.
The 5th Audit Committee meeting of the 4th term held on August 14, 2025	Independent Directors and CPAs	Reported the results of auditing and reviewing the second quarter of 2025 parent company only financial statements and consolidated financial statements, and responded to the questions from Independent Directors.	Noted
Conference between Independent Directors and CPA on November 7, 2025	Independent Directors and CPAs	1. Significant audit risk for auditing 2025 financial statements. 2. Key audit matters for auditing 2025 financial statements. 3. Audit planning for auditing 2025 financial statements.

é Communication between Independent Directors and CPAs

é Communication between Independent Directors and the Chief Auditor:

Date	Highlights of Communication	Result
March 3, 2025 The 3rd meeting of the 4th Audit Committee	1. Audit report for the fourth quarter of 2024 2. Statement on Internal Control System of 2024
May 2, 2025 The 4th meeting of the 4th Audit Committee	1. Audit report for the first quarter of 2025 2. Follow-up and improvement of examination finding
August 14, 2025 The 5th meeting of the 4th Audit Committee	1. Audit report for the second quarter of 2025 2. Follow-up and improvement of examination finding
November 7, 2025 The 6th meeting of the 4th Audit Committee	1. Audit report for the third quarter of 2025 2. Audit plan for 2026	Noted
November 10, 2025 Forum between the independent directors	1. Monitoring indicators and control measures for alert accounts
and auditors	2. Overview of significant audit findings of the General Audit Office in 2025
	3. Statistics on FSC enforcement actions in the banking industry in 2025

(3) Information for the Operations of the Corporate Sustainability Committee

A. Composition of the Corporate Sustainability Committee

To advance initiatives in environmental sustainability, social responsibility, and corporate governance, FEIB established the Corporate Sustainability Committee under the Board on November 9, 2021. Members are appointed by the Board, with at least three members and a majority being independent directors.

Members and Professional Qualifications of	the Corporate Sustainability Committee
--------------------------------------------	----------------------------------------

Title	Name	Sustainability Expertise and Competencies
Director		Humphrey Cheng Corporate governance practices, legal affairs, risk management, employee rights and welfare, and corporate sustainability practices.
Independent Director	Hsiao Hui Wang	Finance and ESG/sustainable finance, auditing, and CPA audit experience with specialties in finance.
Independent Director	Chiu-Ling Lu	Investment, risk management, securities, finance and ESG/sustainable finance, and academic.

B. Responsibilities of the Corporate Sustainability Committee

(a)Promote and strengthen the integrity management system.

(b)Promote and develop matters related to corporate sustainability.

(c)Supervise other sustainability-related tasks assigned by the Board.

The committee meets at least twice per year and is responsible for supervising implementation of sustainability policies, strategies, and goals, reporting to the Board.

C. Corporate Sustainability Committee Attendance
(a) The Committee convened 2 meetings in 2025, and all members attended in person with an attendance rate of 100%. The attendance record of committee members is as follows:

Title	Name	Attendance in Person	Actual Attendance Rate (%)
Director	Humphrey Cheng	2	100%
Independent Director Hsiao Hui Wang		2	100%
Independent Director Chiu-Ling Lu		2	100%

(b) In each meeting, the committee reported on the status of the previous meeting and addressed the following agenda items:

Corporate Sustainability Committee	Agenda
2nd Session of 2nd Corporate Sustainability Committee Feb 18, 2025	" Report on Sustainability Information Management Guidelines " Report on IFRS Sustainability Disclosure Standards Implementation Plan and Progress " Report on 2024 Sustainability Progress " Plan for 2025 Sustainability Development Initiatives
	Result烉All members present passed the resolution unanimously.
3rd Session of 2nd Corporate Sustainability Committee Aug 13,2025	" Q2 2025 Report on IFRS Sustainability Disclosure Standards Implementation Plan and Progress " H1 2025 Sustainability Development Progress Report " 2024 Sustainability Report and Stakeholder Engagement " Amendments to "Sustainability Investment Guidelines" Result烉All members present passed the resolution unanimously.

(4) Information for the Operations of the Nomination Committee

A. Composition of the Nomination Committee

To enhance the functions of the Board of Directors and strengthen governance

mechanisms, FEIB established the Nomination Committee under the Board on November 10, 2025. Members are appointed by the Board, with at least three members, at least more the half of the members shall be independent directors, and an independent director shall serve as the convener and chairman.

Members and Professional Qualifications of the Nomination Committee

Title	Name	Professional qualifications and Experience
Convener (Independent Director) Chia-Juch Chang		Corporate governance practices, business management, risk management, international market outlook, leadership and decision-making.
Independent Director	Hsiao Hui Wang	CPA audit experience with specialties in finance, accounting, and auditing
Director		Humphrey Cheng Corporate governance practices, legal affairs, business management, and legal expertise

B. Responsibilities of the Nomination Committee
(a)Establish criteria for the professional knowledge, skills, experience, gender diversity, and independence required of Board members, and based thereon, identify, review, and nominate candidates for directors.

(b)Formulate and periodically review the training plan for directors.

(c)Review and approve the Company's corporate governance principles.

The committee meets at least once per year and submit all proposals to the Board.

C. Nomination Committee Attendance

(a) Term of the current committee
From November 10, 2025 to June 18, 2027(approved by the 8th meeting of the 12th board of directors on November 10, 2025.
(b)The Committee convened 1 meeting in 2025, and all members attended in person with an attendance rate of 100%. The attendance record of committee members is as follows:

Title	Name	Attendance in Person	Actual Attendance Rate (%)
Convener (Independent Director)	Chia-Juch Chang	1	100%
Independent Director	Hsiao Hui Wang	1	100%
Director	Humphrey Cheng	1	100%

(c) In each meeting, the committee reported on the status of the previous meeting and addressed the following agenda items:

Nomination Committee	Agenda
1st Session of 1st Nomination	" Elect the convener and chairman of the first Nomination Committee.
Committee (Nov 10, 2025)	Result烉All members present passed the resolution unanimously.

(5) Items to Be Disclosed According to the Corporate Governance Best-Practice Principles for the Banking Industry

Please refer to the Bank's website: https://www.feib.com.tw/

(6) FEIB Corporate Governance Implementation Status and Deviations

			Implementation Status	Deviations, from
Evaluation Item		Yes No	Abstract Illustration	"Corporate Governance Best Practices for Banks" and Reasons
1. Shareholding Structure and Shareholders' Rights (1) Has the bank established internal procedures for handling shareholders' proposals, inquiries, disputes, and litigation, and are these procedures implemented?	9		" FEIB has formulated the 'Corporate Governance Best Practice Principles,' which includes a dedicated section on 'Protection of Shareholder Rights.' In accordance, FEIB has designated spokespersons and assigned Far Eastern Securities Co., Ltd. as the shareholder services agent to handle shareholder inquiries and suggestions. " If there is any legal issue involving shareholding structure and shareholders' interest, the legal department will assist the responsible unit to deal with it.	None
(2) Does the bank maintain an updated registry of its ultimate controlling shareholders?	9		" FEIB continuously maintains and reports the updated list of ultimate controlling shareholders as required by law.	None
(3) Has the bank established and implemented risk control and firewall mechanisms between itself and affiliated enterprises?	9		" In accordance with the Banking Act and the relevant regulatory requirements, FEIB has established operational procedures for granting credit and engaging in transactions with related parties. These procedures define adequate collateral, credit limits, approval conditions, and strict approval mechanisms. It also covers non credit transactions with related parties to ensure internal compliance. " The Bank made ȾFEIB's Regulations for Risk management measures of subsidiariesȿ to comply with the statutes and set up the subsidiariesȽsound operation and risk governance.	None
2.Board Composition and Responsibilities (1) Has the bank established a board diversity policy and specific management objectives?	9		" FEIB has defined a board diversity policy in Chapter IV of its Corporate Governance Best Practice Principles. As of the 12th board session: no employee directors (0%), 18% female directors, 2 independent directors with <3 years of tenure,1 with 4-6 years, 1 with >6 years. Age composition includes 2 directors aged 81+, 5 aged 71–80, 3 aged 61–70 and 1 aged under 50. Directors have diverse professional backgrounds. The board has maintained gender balance with at least 25% from each gender. The Company will continue to actively seek talents from various sources in the industry, government, and academia, and weigh the gender composition and other diversification of the Board of Directors, and conduct reviews and adjustments to implement the Board of Directors' diversity policy and enhance corporate governance effectiveness. The bank's policy on board diversity has been published on the company's website.	None

			Implementation Status	Deviations, from
Evaluation Item		Yes No	Abstract Illustration	"Corporate Governance Best Practices for Banks" and Reasons
(2) In addition to statutory committees (remuneration and audit), has the bank voluntarily set up other functional committees?	9		" In addition to mandatory remuneration and audit committees, FEIB voluntarily established a Sustainability Committee (since November 9, 2021) and a HR Policy Committee (since August 29, 2023). Each consists of •3 members, including a majority of independent directors. Additionally, the Nomination Committee under the board was approved at the 8th Meeting of the 12th board of directors on Nov 10,2025.	None
(3) Has the bank formulated and implemented performance evaluation methods for the board of directors, conducted regular annual assessments, submitted results to the board, and applied outcomes to individual director remuneration and nomination?	9		" FEIB adopted the 'Board and Functional Committee Performance Evaluation Measures' in 2016 (revised in 2019). Annual evaluations are conducted and results are reported to the board and disclosed on the website. Results are used to determine director remuneration and renomination.	None
(4) Does the bank regularly evaluate the independence and competence of its certified public accountants using Audit Quality Indicators (AQIs)?	9		The Bank regularly evaluates the independence " and suitability of certified public accountants every year based on Bulletin No.10 of the Code of Professional Ethics for Certified Public Accountants of the Republic of China and Article 27, Item 5 of the Guidelines for the Bank's Corporate Governance. This year's assessments are as follows: " 1.Until the last audit, the Bank did not fail to replace the CPA every 7 years. 2.Until the last audit, the CPA received no punishment for violations. 3.Members of the audit team, their spouses, and dependents are not involved in any of the following: (1) Directly or indirectly, holding significant financial interests in the Bank. (2) Having business relations with the Bank or with directors and managerial officers at the Bank, where such relations may affect their independence. 4.During the audit, members of the audit team, their spouses and dependents do not serve as directors or managerial officers at the Bank, nor do they assume positions that may directly and significantly affect the auditing process. 5.Members of the audit team do not have spouses, immediate family members or relatives within the second degree of kinship who serve as directors or managerial officers at the Bank. 6. Members of the audit team have not received gifts or presents exceeding the general etiquette standards from our Bank, directors, managerial officers, or major shareholders at the Bank.	None

			Implementation Status	Deviations, from
Evaluation Item	Yes No		Abstract Illustration	"Corporate Governance Best Practices for Banks" and Reasons
3. Does the bank have an adequate number of corporate governance	9	" "	7. Members of the audit team have implemented necessary independence/conflict of interest procedures, and no violations of independence or unresolved conflicts of interest have been found. The Statement of Independence and Audit Quality Indicators Report has been issued by the CPA, and the results were approved by the 8th Board of Directors of the 12th term on November 10, 2025. After evaluation, the CPAs are in accordance with the independence and suitability standards of the Bank. On May 6, 2019, the board appointed Ms. Li Shuhui as the dedicated Corporate Governance	None
personnel with appropriate qualifications, and appoint a chief corporate governance officer as the most senior officer to be in charge of corporate governance affairs (including but not limited furnishing information required for business execution by directors and supervisors, assisting directors with legal compliance, handling matters relating to board meetings and shareholders meetings according to laws, handling corporate registration and amendment registration and producing minutes of board meetings and shareholders meetings)?			Officer. She has over 10 years of experience in shareholder affairs and board operations. Responsibilities include assisting directors with meeting compliance, preparing agendas and minutes, tracking resolutions, organizing shareholder meetings, monitoring independent director qualifications, and facilitating ongoing director education. " Corporate Governance Practices in 2025: 1. Handling Board of Directors, Board of Managing Directors, and Audit Committee matters: Providing directors and committee members with necessary information; issuing meeting notices and agendas at least seven days in advance; distributing meeting minutes within 20 days after meetings; compiling resolutions and tracking implementation, reporting to the Chairman's Office. 2. Handling Shareholders' Meeting matters: Registering meeting dates in accordance with legal deadlines; uploading meeting notices and handbooks at least 30 days prior; uploading meeting minutes within 20 days after the meeting to the Market Observation Post System (MOPS). 3. Assist directors in performing their duties, provide the necessary information, and arrange continuing education for directors: provide directors with required company information, maintain communication between directors and business unit heads, arrange meetings between independent directors and internal audit and certified public accountants, and provide information on director training courses. All directors completed the required training hours in accordance with the Guidelines for Director Continuing Education for Listed Companies, and their training progress has been

			Implementation Status	Deviations, from
Evaluation Item		Yes No	Abstract Illustration	"Corporate Governance Best Practices for Banks" and Reasons
			disclosed. 4. Assisting Directors in Legal Compliance: Periodically distributing communications and regulations issued by competent authorities related to directors or corporate governance; promoting compliance with Articles 32 and 33 of the Banking Act regarding conflicts of interest twice annually. 5. Report to the board of directors on the review confirming that independent directors met all relevant legal and regulatory qualifications during their term of office. 6. Manage amendments to the company's articles of incorporation, changes in directors and managers, issuance of new shares for capital increase, and relates corporate registration matters. 7. Conducting performance evaluations under the 'Board and Functional Committee Performance Evaluation Rules', with results disclosed on the Bank's website.
4.Does the Bank establish communication channels for stakeholders (including but not limited to shareholders, employees, and customers), and establish webpage on the Bank's website to response to stakeholders about CSR issues?	9		" FEIB has a 'Stakeholder Zone' on its website, with contact points for investors, customers, suppliers, employees, and NPOs. Stakeholder concerns are responded to appropriately.	None
5.Information Disclosure (1) Does the Bank have a corporate website to disclose both financial standings and the status of corporate governance?	9		" FEIB maintains a corporate website with governance, financial, and operational updates.	None
(2) Does the Bank have other information disclosure channels (e.g. building an English website, appointing designated people to handle information collection and disclosure, creating a spokesman system, webcasting investor conferences)?	9		An English site, designated disclosure officer, " and spokesperson system are in place. Investor conference data is uploaded to the site.	None
(3) Does the bank announce and declare the annual financial report within the time limit in accordance with Banking Law and Securities Exchange Law, and announce the first, second and third quarter	9		" The Bank follows relevant laws and regulations to announce and report the annual financial statements, the first, second, and third quarter financial statements as well as the operating status of each month within the prescribed deadline.	None

			Implementation Status	Deviations, from
Evaluation Item		Yes No	Abstract Illustration	"Corporate Governance Best Practices for Banks" and Reasons
financial reports and the monthly operating situation before the prescribed time limit?
6. Is there other important information to facilitate a better understanding of the Bank's corporate governance practices (including but not limited to employee rights and interests, employee care, investor relations, rights and interests of interested parties, records of training for directors and supervisors, implementation of risk management policy and risk evaluation criteria, implementation of customer relations policy, purchases of professional indemnity insurance for directors and supervisors, and donations to political parties, stakeholders, and charitable groups)?	9		" Employee Rights & Care: See page 122-124 and 131-133 of the annual report. Investor Relations: Dedicated personnel, " spokesperson, deputy, and transfer agent handle inquiries. Quarterly investor conferences held. Stakeholder Rights: Disclosures on website and " Market Observation Post System in Chinese and English. Director Education: All directors attend relevant " training sessions. Details provided in Table 2. " Risk management policy and risk measurement standard: For more details, please refer to "V. Review of Financial Conditions, Financial Performance, and Risk Management", "6.Disclosure for risk management", "(1) The Organization Structure and Policy for Bank's Risk Management", "(2)The quantitative and qualitative data for various types of risks". " Customer Policy Execution: 1. The Bank has adopted the "FEIB Financial Consumer Protection Act" and the "FEIB Handling System for Financial Consumer Disputes". 2. The products and services of the Bank are following the relevant regulations and standards. Changes in products and services (e.g., standard contracts, notifications of changes in customer rights and interests) are also handled in accordance with the regulations or governing rules stipulated by the competent authority. 3. Complaint hotlines and consumer protection officers are in place. " Director Liability Insurance: Purchased for all board members to mitigate risk. " Political and Charitable Donations: ¾Eden Social Welfare Foundation: NT\$1,333,374 (Eden Reward Card feedback rewards) and NT\$150,000 (Summer multi learning programs for children in rural areas). ¾Taiwan Connection: NT\$500,000 (Sponsorship for the Music Festival for Children in Rural Areas project). ¾National Taiwan University: NT\$250,000 (Academic feedback funds for industry academic cooperation).	None

		Implementation Status	Deviations, from
Evaluation Item	Yes No	Abstract Illustration	"Corporate Governance Best Practices for Banks" and Reasons
		¾Tainan University of Technology: NT\$40,000 (Scholarship sponsorship). ¾Takming University of Science and Technology: NT\$18,905 (Academic feedback funds for industry-academic cooperation). ¾World Vision Taiwan: NT\$500,000 (2025 FEIB Happy 10 Scholarships). ¾Taiwan Disaster Relief Foundation: NT\$2,000,000 (Donation for disaster relief regarding the Mataian Creek barrier lake in Hualien). ¾Far Eastern Resource Development Co., Ltd.: NT\$73,949 (Maintenance and adoption of the "Green Belt and Sidewalk" along Dunhua South Road facing the Metro Plaza). ¾Yunlin Social Worker Association: NT\$100,000 (Donation for micro-insurance). Relevant information has been disclosed on the Bank's website under "Statutory Public Disclosures / List of External Donations." " The Bank's Intellectual Property Management Plan and Policy provided in Table 3.
improvements yet to be made:		7. Please describe improvements already made based on the results of the Corporate Governance Evaluation released by the Taiwan Stock Exchange Corporate Governance Center in the most recent year; as well as priority to those

In 2025, additional indicators were introduced in accordance with corporate governance evaluation to strengthen related initiatives and measures:

1. The shareholders' meeting shall be convened before the end of May.
1. Adopt specific measures to enhance corporate value, submit such measures to the board of directors, and disclose the relevant information on the MOPS in the Corporate Value Enhancement Plan section.
1. In addition to the Remuneration Committee and the Audit Committee established in accordance with applicable laws, the Bank also voluntarily established a functional committee under the Board of Directors on Nov.10, 2025.

Priority Strengthening Items and Measures:

1.Formulate and disclose polices and initiatives aimed at promoting circular economy practices and the management of waste and discarded materials.
2.With reference to international human rights conventions, formulate a human rights policy, and disclose its content along with the unit responsible for implementation.
3.Industry-specific metrics disclosed in the sustainability report in accordance with SASB standards have been subject to third-party assurance or verification.

mbers Me
Diversity of the Board


Table 1:

			Professional knowledge and skills						Ability
Name	Gender	Professional background	qualifications Professional	experience Financial industry	Operational judgement	and financial Accounting Analysis of	management Operational	Management Risk	Management crisis	know-how Industrial	International prospective	decision-making Leadership &
Thomas Chou	Male	Finance		v	v	v	v	v	v	v	v	v
Douglas Tong Hsu	Male	Operating		v	v	v	v	v	v	v	v	v
Wang Shaw Y.	Male	Operating		v	v	v	v	v	v	v	v	v
Tsung-Ming Chung	Male	Accounting	Accountant	v	v	v	v	v	v	v	v	v
Humphrey Cheng	Male	Law		v	v	v	v	v	v	v	v	v
Wu James	Male	Finance		v	v	v	v	v	v	v	v	v
Jeff Hsu	Male	Operating			v	澿	v	v	v	v	v	v
Chia-Juch Chang	Male	Information Security Operating/	Engineering Doctor of	v	v	澿	v	v	v	v	v	v
Hsiao Hui Wang	Female	Accounting	Accountant	v	v	v	v	v	v	v	v	v
Bing Shen	Male	Finance		v	v	v	v	v	v	v	v	澿
Chiu-Ling Lu	Female	Finance	professor Financial		v	v	v	v	v	v	v	v
		Ɉ indicates the member of the Board of Directors	who is moderately capable

Table 2: Directors' and Independent Directors' Training Status

Hours		6	3	3	3	3	3	3
Courses		Analysis of Directors' Fiduciary Duties and the Effectiveness of Internal Control Systems	Corporate Governance Forum – Enterprise AI Transformation	Corporate Governance Forum – Corporate Strategies in Response to U.S. Tariff Policies and Supply Chain Restructuring	Corporate Governance Forum – Enterprise AI Transformation	Corporate Governance Forum – Corporate Strategies in Response to U.S. Tariff Policies and Supply Chain Restructuring	Corporate Governance Forum – Enterprise AI Transformation	Trump 2.0: Corporate Strategies in Response to Global Tax Reform and Supply Chain Restructuring
	Organizer	Dec 09, 2025 The Institute of Internal Auditors	wan Academy of Banking and Finance	wan Academy of Banking and Finance	wan Academy of Banking and Finance	wan Academy of Banking and Finance	wan Academy of Banking and Finance	Sep 17, 2025 Securities and Futures Institute
	End		Oct 01, 2025 Tai		Oct 01, 2025 Tai		Oct 01, 2025 Tai
Training Date	Start	Dec 09, 2025	Oct 01, 2025	Jun 04, 2025 Jun 04, 2025 Tai	Oct 01, 2025	Jun 04, 2025 Jun 04, 2025 Tai	Oct 01, 2025	Sep 17, 2025
Date	elected	Oct 29, 2025	Jun 19,	2024	Jun 19,	2024	Jun 19,	2024
Name		Thomas Chou		Tong Hsu Douglas	w Y. Sha	Wang	Ming Tsung-	Chung
Title		Chairperson	Vice	Chairman	Executive	Director	Executive	Director

Courses	Corporate Governance Forum – Enterprise AI Transformation Meeting and CEO Forum	Perspective of Corporate Control and Shareholder Activism— Responsibilities of Directors and Supervisors from the gn Institutional Voting Practices	– Corporate Strategies in		Mechanisms and Applications in Carbon								– Future
	41st TCCS Board	ghts from Forei Insi	Response to U.S. Tariff Policies and Supply Chain Corporate Governance Forum Restructuring	Meeting and CEO Forum 40th TCCS Board	How Directors and Supervisors Should Oversee Enterprise Management and Crisis Response Carbon Credit Trading Risk	2025 Seminar on Legal Compliance for Insider Equity Trading Management	– Corporate Strategies in Response to U.S. Tariff Policies and Supply Chain Corporate Governance Forum Restructuring	Corporate Governance Forum – Enterprise AI Transformation	– Corporate Strategies in Response to U.S. Tariff Policies and Supply Chain Corporate Governance Forum Restructuring	Seminar on Internal Audit for Financial Holding Companies and Domestic Banks	Corporate Governance Forum – Enterprise AI Transformation	Corporate Governance Forum – Corporate Strategies in Response to U.S. Tariff Policies and Supply Chain Restructuring	Key Principles and Practices of IFRS Sustainability Standards Latest Economic Trends under Geopolitics in 2025 Market Outlook from Global Financial Changes and CTCI's Response Strategies	– Corporate Strategies in Response to U.S. Tariff Policies and Supply Chain Corporate Governance Forum Restructuring	mpact of Neo-Trumpism on wan's Economy and Global Industrial Responses – The I w U.S.-China Dynamics Ne Tai	Key Strategies for Global Business Expansion
Organizer	wan Institute for Sustainable Energy wan Academy of Banking and Finance Tai Tai	Aug 01, 2025 Chinese Corporate Governance Association	wan Academy of Banking and Finance	wan Institute for Sustainable Energy Tai	Feb 01, 2025 Securities and Futures Institute Feb 19, 2025 Securities and Futures Institute	Oct 31, 2025 Securities and Futures Institute	wan Academy of Banking and Finance	wan Academy of Banking and Finance Tai	wan Academy of Banking and Finance	Nov 25, 2025 Financial Supervisory Commission, Examination Bureau	wan Academy of Banking and Finance Tai	wan Academy of Banking and Finance Tai	Aug 01, 2025 Chinese Corporate Governance May 06, 2025 Chinese Independent Directors Association Association	wan Academy of Banking and Finance	May 29, 2025 Chinese Independent Directors Association	May 29, 2025 Chinese Independent Directors Association
End Training Date Start	Oct 01, 2025 Oct 17, 2025 Oct 01, 2025 Oct 17, 2025	Aug 01, 2025	Jun 04, 2025 Jun 04, 2025 Tai	Apr 24, 2025 Apr 24, 2025	Feb 01, 2025 Feb 19, 2025	Oct 31, 2025	Jun 04, 2025 Jun 04, 2025 Tai	Oct 01, 2025 Oct 01, 2025	Jun 04, 2025 Jun 04, 2025 Tai	Nov 25, 2025	Oct 01, 2025 Oct 01, 2025	Jun 04, 2025 Jun 04, 2025	May 06, 2025 Aug 01, 2025	Jun 04, 2025 Jun 04, 2025 Tai	May 29, 2025	May 29, 2025
elected Date		Jun 19, 2024			Jun 19, 2024		Oct 29, 2025	Jun 19,	2024		Jun 19,	2024	Jun 19, 2024	Jun 19,	2024
Name		Humphrey Cheng			Wu James		Jeff Hsu	Chia-Juch	Chang		Hsiao Hui	Wang	Bing Shen		Chiu-Ling Lu
Title		Director			Director		Director	Independent Director,	Managing Director		Independent	Director	Independent Director		Independent Director

Table 3ǺIntellectual Property Management Plan and Policy

Item	Plan and Policy / Implementation status
	Article 1 Purpose
	The Bank hereby formulates this management plan and policy to promote financial technology and
	business model innovation, to manage, utilize and protect the intellectual property effectively, and to
	strengthen the Bank's corporate governance structure to achieve sustainable operation goals.
	Article 2 Scope of Application
	Intellectual property generated or acquired by all personnel of the Bank and third parties entrusted by
	the Bank.
	Article 3 Definitions
	The term "intellectual property" or "intellectual property rights" as used in this management plan and
	policy refers to trademark rights, patent rights, copyrights, trade secrets and other similar assets or
	rights that have economic or moral value and are protected by law.
	Article 4 Ownership of Intellectual Property
	All intellectual property, including works, creations, inventions, designs, and trade secrets, produced by
	employees of the Bank in the course of their duties, belongs to the Bank.
	The ownership of intellectual property produced or acquired by the Bank through commissions or
	collaborations with third parties shall be clearly stipulated in the contract on a case-by-case basis.
	Article 5 Acquisition of Intellectual Property
	When conducting research, development, creation, or forming intellectual property, the Bank shall align
	with its operational objectives and strictly comply with relevant intellectual property laws and regulations,
	and shall not infringe upon the intellectual property rights of others. When entrusting or collaborating
	with third parties to produce intellectual property, the Bank shall, on a case-by-case basis, stipulate in
	the contract that the third party shall not infringe upon the intellectual property rights of others and shall
	fulfill related confidentiality obligations.
	If, after internal assessment, the Bank deems intellectual property produced or acquired under the
	preceding paragraph necessary to apply for intellectual property rights protection, the responsible
	management unit shall complete the application as soon as possible in accordance with relevant
	regulations. Article 6 Maintenance and Management of Intellectual Property
	The Bank shall pay close attention to the relevant provisions of intellectual property laws and regulations
	regarding application procedures, the term of rights, extension applications and the fees.
Intellectual Property	The Bank's intellectual property (regardless of whether it has completed the registration or publication
Management Plan	process) shall be managed and maintained in a timely manner in accordance with relevant regulations.
and Policy	For intellectual property that is no longer worth maintaining, maintenance may cease upon internal
	approval by the Bank.
	The internal management of individual intellectual property shall be handled in accordance with the
	following provisions:
	Trademarks:
	The trademark management unit shall periodically inventory and review the validity of the Bank's
	trademarks and manage them in a register list, and shall extend them as needed to ensure that all
	trademarks are used within their validity period.
	Patents:
	The patent research and management unit shall regularly review and examine the effectiveness of the
	Bank's patents and register them for management. In addition, depending on the Bank's needs, external
	professional firms are commissioned from time to time to carry out patent layout and planning.
	Copyrights:
	The following matters are stipulated in the employment contracts and internal regulations between the
	Bank and its employees, and each unit shall ensure their employees are aware of the following contents:
	(i) All creative works made by the Bank's employees in the course of their work shall permanently
	belong to the Bank in terms of intellectual property rights.
	(ii) When using computers, the internet, or various audio-visual products related to intellectual property
	rights, employees shall use legal and genuine software or obtain authorization for use, and shall not
	download illegal software or engage in any activities that infringe upon the intellectual property
	rights of others.
	Trade secrets and confidential information
	(i) The Bank's employment contracts with its employees, as well as its internal regulations such as the
	"Work Rules," "Code of Ethics," and "Employee Code of Conduct," contain confidentiality provisions,
	which all departments shall ensure their employees are aware of.
	(ii) The Bank has established "Document Processing Procedures" for the management of paper
	documents, procedures for receiving and sending confidential correspondence, and regulations
	regarding access permissions for the management of information systems.
	The external management of intellectual property shall be handled in accordance with the following
	provisions:

Item	Plan and Policy / Implementation status When authorizing a third party to utilize or use the Bank's intellectual property, the scope of
	authorization, usage restrictions, and related penalties shall be stipulated in the contract, depending on the specific circumstances of the case. When the Bank needs to utilize or use the intellectual property rights of a third party, the Bank shall obtain authorization from the rights holder. When cooperating with a third party, if the third party utilizes or uses the intellectual property rights of others, the Bank shall, depending on the circumstances of the case, stipulate a warranty against defects in title in the contract and require the third party to guarantee that there is no infringement of the intellectual property rights of others. When entering a contract with a third party, confidentiality provisions shall be included depending on the nature of the contract. Article 7 Protection and Risk Management of Intellectual Property If the Bank's intellectual property is infringed or is at risk of being infringed, or if a third party claims that the Bank has infringed its intellectual property rights, the Bank shall take active measures to prevent the occurrence or expansion of damages, and may, when necessary, entrust external professionals to assist in handling the matter to safeguard the Bank's interests. Article 8 Education and Training The Bank shall regularly conduct education and training or promotion of intellectual property rights for its employees to enhance their awareness of valuing the Bank's intellectual property rights and respecting the intellectual property rights of others. Article 9 Report on Implementation Status The implementation status of this management plan and policy shall be reported to the board of directors once a year. Article 10 Authorization Matters Each unit may formulate relevant regulations for its intellectual property, and the Bank shall authorize
	the general manager to approve and implement the relevant regulations. Article 11 Approval and Implementation This management plan and policy will be implemented after approval by the board of directors, and will
	be amended accordingly. " The main implementation status of the Bank's "Intellectual Property Management Plan" in 2025 was
Implementation status in 2025	reported to the 8th meeting of the Bank's 12th board of directors. " The main implementation status of the Bank's "Intellectual Property Management Plan" in 2025 is stated below: " Internal regulations management 1.The consumer finance business department has developed the "Procedure for cases of the Bank being impersonated" to manage the reporting process when the Bank or its branches are impersonated by illegal scammer groups for false advertising, business solicitation, fundraising from the public, or fraudulent acquisition of personal data. The procedure is expected to be completed by the end of 2025. 2.The Bank's existing internal regulations, including "Intellectual Property Management Plan and Policy," "Trademark Management Guidelines," "Patent Management Operating Procedures," and "Patent Management Guidelines," remain unchanged during 2025. " Trademark and patent rights management: The registration and filing of trademark and patent rights are continuously monitored. Each responsible management unit maintains a register and submits new trademark or patent applications as needed, and extends the validity period of trademarks. In 2025, two new domestic trademark applications have been filed (and are currently under review by Taiwan's Intellectual Property Office), and one foreign trademark extension has been filed. " Copyright Management: The cooperation agreements signed between the Bank and external parties for the Bank's "XiaoYuan Wins" YouTube channel and "Ten Happiness-Wealth Without Limits" Podcast channel, as well as the consent letters signed by the interviewees or actors appearing on the channel, all stipulate that the Bank shall acquire the copyright. " Confidentiality and Employee Conduct Management 1.All new employees must sign the confidentiality agreement. 2.All employees are required to sign the "Employee Code of Conduct" annually, agreeing to "comply with intellectual property-related laws and regulations and the Bank's relevant rules, and not to copy, imitate, use, disclose, dispose of, damage, or otherwise infringe upon the intellectual property rights of others without the consent of the intellectual property owner," and "when using computers, the Internet, or various audio-visual products related to intellectual property rights, legal and genuine software should be used, or authorized software should be obtained. Unauthorized downloading of illegal software or any other actions that infringe upon the intellectual property rights of others are prohibited." This is to prevent infringement management. " Education training: 1.During the third quarter of 2025, a basic copyright awareness training course was conducted for all employees of the Bank. The course covered the scope of copyright and related laws and

Item	Plan and Policy / Implementation status
	regulations, copyright protection and management, case studies of copyright infringement, and resources for redress in cases of copyright infringement. 2.Each business unit of the Bank conducts confidentiality training every quarter to ensure that employees understand the importance of confidentiality obligations. The training includes laws and regulations related to confidentiality obligations, such as the Personal Data Protection Act, the Banking Act, and the Trade Secrets Act. Each business unit also conducts regular compliance training, including internal regulations related to intellectual property rights. " List and results of the Bank's intellectual property: " Trademark Rights: As of September 30, 2025, the Bank has obtained a total of 40 valid registered trademarks, including 37 domestic trademarks and 3 foreign trademarks. Compared with 2024, 1 new domestic trademark was obtained. In addition, 2 new domestic trademark applications have been filed in 2025, and are still under review by Taiwan's Intellectual Property Office. " Patents rights: As of September 30, 2025, the Bank has obtained a total of 30 domestic patents, including 19 utility model patents, 4 invention patents and 7 design patents. " Copyrights: In 2025, 62 videos have been uploaded on "XiaoYuan Wins" YouTube channel, 26 episodes have been posted on"Ten Happiness-Wealth Without Limits" Podcast channel and related short clips have been made based on the content on the channels. The "Compliance Special Issue" and "Human Resources Quarterly" have been published every quarter. Four new videos regarding the Bank's investor conference have been posted to the Bank's official website. Contributions have

	been made to the "FEIB Monthly" and other publications.

(7) Composition, Responsibilities and Operations of the Remuneration Committee

A. Information of Members of the Remuneration Committee:

Professional Qualifications and Independence Analysis of Remuneration Committee Members

Name	Qualifications	Professional qualifications and Experience	Status of Independence	Number of Other Public Companies in Which the Individual is Concurrently Serving as an Remuneration Committee Member
Independent Director	Hsiao Hui Wang (Convener)	1. CPA and Expertise in Finance, Accounting, Auditing 2. At least five years of working experience in business, legal, finance, accounting, or banking	1. Not an offender of items stipulated in article 30 of the Company Law. 2. Complied with the provisions of Article 3 of the "Regulations Governing Appointment of Independent Directors and Compliance Matters for Public Companies": The independent director himself, his spouse, and relatives within the second degree of kinship do not serve as directors, supervisors or employees of the Bank or related companies; the independent director himself, Spouse, relatives within the second degree of relatives (or in the name of others) do not hold shares of the Bank; Not a director, supervisor or employee of the companies with which the Company has a specific relationship; There was no remuneration for business, legal, financial or accounting services provided by the Bank or its affiliates in the last two years.	0
Independent Director	Chia-Juch Chang	1. Expertise in financial industry corporate governance, information security, and business management 2. At least five years of working experience in Information	1. Not an offender of items stipulated in article 30 of the Company Law. 2. Complied with the provisions of Article 3 of the "Regulations Governing Appointment of Independent Directors and Compliance Matters for Public Companies": The independent director himself, his spouse, and relatives within the second degree of kinship do not serve as directors, supervisors or employees of the Bank or related companies; the independent director himself, Spouse, relatives within the second degree of	0

December 31, 2025

		Technology, Information Security, Business, Legal, Finance, Accounting, or Banking	relatives (or in the name of others) do not hold shares of the Bank; Not a director, supervisor or employee of the companies with which the Company has a specific relationship; There was no remuneration for business, legal, financial or accounting services provided by the Bank or its affiliates in the last two years.
Independent Director	Chiu-Ling Lu	1. Expertise in investment banking, real estate financing and investment, and asset securitization, and other financial specialties 2. At least five years of working experience in Information Technology, Information Security, business, legal, finance, accounting, or banking	1. Not an offender of items stipulated in article 30 of the Company Law. 2. Complied with the provisions of Article 3 of the "Regulations Governing Appointment of Independent Directors and Compliance Matters for Public Companies": The independent director himself, his spouse, and relatives within the second degree of kinship do not serve as directors, supervisors or employees of the Bank or related companies; the independent director himself, Spouse, relatives within the second degree of relatives (or in the name of others) do not hold shares of the Bank; Not a director, supervisor or employee of the companies with which the Company has a specific relationship; There was no remuneration for business, legal, financial or accounting services provided by the Bank or its affiliates in the last two years.	1

B. Scope of Responsibilities

The Committee shall exercise fiduciary duty to perform the following duties and present its recommendations to the board of directors:

(a) Establish and periodically review the performance of the directors and managers, as well as the policies, systems, standards, and structure of their compensation.
(b) Periodically review and establish the compensation of the directors and managers.
(c) The performance and compensation levels of the directors and managers shall take into account the general pay levels in the industry, and consider a reasonable correlation between individual performance, business performance, and future risks.
C. Operations of the Remuneration Committee
(a) The Remuneration Committee includes 3 members.
(b) The 6th term is from August 9, 2024 to June 18, 2027. (Approved on August 9, 2024 in the 2nd meeting of the 12th term) There were five meetings in 2025.The members attending the Remuneration Committee meetings were:

Title	Name	Attendance in Person	Attendance Rate (%)
Convener	Hsiao Hui Wang	5	100%
Committee Member	Chia-Juch Chang	4	80%
Committee Member	Chiu-Ling Lu	5	100%

Other mentionable items:

If the board of directors declines to adopt or modifies a recommendation of the remuneration committee, it should specify the date of the meeting, session, content of the motion, resolution by the board of directors, and the bank's response to the remuneration committee's opinion (e.g., the remuneration passed by the Board of Directors exceeds the recommendation of the remuneration committee, the circumstances and cause for the difference shall be specified): None.
For resolutions of the remuneration committee objected to by members or expressed reservations on-recording or in writing, the date of the meeting, session, content of the motion, all members' opinions and the response to members' opinion should be specified: None.

(c) The Remuneration Committee convened five meetings in 2025 with an attendance rate of 93.33% from all members. Each agenda was as follows:

The Remuneration Committee	Issue	Result	The Follow-Up Measures
the 2nd meeting of the	Contributions for Employees' and Directors' Remuneration of 2024	Approved unanimously by all attending members	Submitted to the Board and handled according to resolution
6th term February 14, 2025	Amendments to the Articles of Incorporation and Allocation Guidelines for Employees' Remuneration	Approved unanimously by all attending members	Proposal adjusted per committee decision; submitted to the Board and handled accordingly
the 3rd meeting of the 6th term	Managers' Compensation Report of 2024	Approved unanimously for acknowledgment	Approved unanimously by the Board
August 1, 2025	Employees' Program of the Bank's Cash Capital Increase of 2025	Approved unanimously by all attending members	Submitted to the Board and handled according to resolution
the 4th meeting of the 6th term October 28, 2025	Business Groups' Implementation Schemes of Incentives of 2026	Approved unanimously by all attending members	Submitted to the Board and handled according to resolution
the 5th meeting of the 6th term November 7, 2025	Remuneration proposal for Acting Chairman Mr. Chia-Juch Chang	Approved unanimously by all attending members	Submitted to the Board and handled according to resolution
the 6th meeting of the 6th term December 9, 2025	Remuneration Proposals for the Newly Chairman and President	Approved unanimously by all attending members	Submitted to the Board and handled according to resolution

(8) Sustainability Development, Implementation and Deviations

			Implementation Status	Deviations from "Sustainable
Evaluation Item		Yes No	Abstract Illustration	Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
1. Has the bank established a governance structure for promoting sustainable development, set up a dedicated (or concurrent) unit, authorized senior management by the Board to handle it, and implemented Board oversight?	9		" To fulfill its commitment to corporate sustainability, FEIB established the "Corporate Sustainability Committee" under the Board on November 9, 2021. The committee convenes at least twice annually to oversee the implementation of sustainability-related actions (e.g., policies, strategies, targets), and reports directly to the Board. " To realize the "Leading Sustainability, Creating the Future Together" vision, the Administration Division (the Secretariat of the Corporate Sustainability Committee) houses the ESG Task Force as the operational unit for sustainability, supervised by senior management. Guided by the "Sustainability Development Strategic Blueprint," the Bank's governance consists of four primary pillars: Environmental Sustainability, Social Co-prosperity, Product Innovation, and Sustainable Governance. These are cascaded into eight core themes: Low carbon Transition, Environmental Sustainability,	None

		Deviations from
Evaluation Item	Yes No	Abstract Illustration	"Sustainable Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
		Financial Inclusion, Community Well-being, Green Finance, Digital Innovation, Ethical Governance, and Risk Management. Business units develop development goals accordingly—from energy saving and green procurement to social participation and responsible finance—to strengthen governance and resilience. The ESG Task Force regularly reports progress to the Committee and annually to the Board to enhance oversight; in 2026, the 2025 sustainability implementation results were reported to the Board on March 2. " The Board supervises ESG execution through these annual reports, offering timely oversight and strategic adjustments. " Please refer to page 49 for the annual execution report of the Corporate Sustainability Committee.
2. Does the bank conduct materiality-based risk assessments on environmental, social, and governance issues related to its operations and formulate relevant risk management policies or strategies?	9	" FEIB conducts risk assessments based on materiality principles in sustainability and formulates corresponding risk management policies or strategies, please refer to Table 1.	None
3. Environmental issues (1) Has the bank established an appropriate environmental management system tailored to its industry characteristics?	9	" To support the government's 2050 Net-Zero Emissions target, FEIB set up an Environmental and Energy Management Committee to manage and integrate energy and environmental actions across its operations. It oversees decarbonization, energy and water conservation, and waste reduction. " FEIB has obtained international certifications: 1. All domestic and overseas business units of the bank have passed ISO 14064-1 verification. The headquarters building, Banqiao Daguan 2. Building, and Cultural Miracle Building of the bank have obtained ISO 14001 Environmental Management System certification (certificate validity: December 5, 2025, to December 4, 2028). The locations and the Kaohsiung Zhong zheng Building also obtained ISO 50001 Energy Management System certification (certificate validity: December 15, 2023, to December 14,	None
(2) Has the bank promoted energy efficiency and the use of environmentally friendly renewable resources?	9	2026). " To enhance the efficiency of resource usage, our bank has established the "Environmental and Energy Management Guidelines," with specific measures as follows: 1. Replacing old AC units and maintaining indoor temperatures at 26°C. Using LED lighting with zoned energy 2.	None

			Implementation Status	Deviations from
Evaluation Item		Yes No	Abstract Illustration management and turning off unused lights.	"Sustainable Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
(3) Has the bank assessed climate change-related risks and opportunities and implemented response measures?	9		Implementing power-saving modes and shut 3. down functions for PCs and shared equipment. The energy consumption of the bank and its consolidated subsidiaries is as follows: Item 2025 2024 2023 Total nonrenewable energy 9,115,978 9,771,389 10,288,841 consumption (Gray energy) On-site 37,606 43,627 35,472 Renewable REC 64,000 242,000 - energy PPA 666,028 321,247 - consumption Total 767,634 606,874 35,472 " In response to the government's 2050 net-zero carbon emissions policy, the bank is actively investing in the use of renewable energy, with specific measures as follows: 1.Installed solar panels: Solar photovolataic system at the Taoyuan building with supplemental renewable energy purchase; 2025 solar output:37,606 kWh. 2.Expanded green electricity wheeling: Included the Banqiao Jiang-zi-cui and Kaohsiung Zhong-zheng branches in the wheeling scope; 2025 green electricity use totaled 666,028 kWh, reducing carbon by 315.7 metric tons. 3.Purchased renewable energy certificates: Purchased 64 T-RECs in 2025, totaling 64,000 kWh. 4. Implemented green procurement: Invested TWD 22.99 million in energy-saving and eco-labeled products to support green production. " According toĄTask Force on Climate-related Financial Disclosuresą, the Climate-related Risk are composed of Physical Risk, including Acute Risk and Chronic Risk, and Transition Risk, including Policy and Legal Risk In addition, the Climate-related Opportunities are composed of Resource Efficiency, Energy Source, Products and Services, Markets and Resilience. At the end of 2022, the identifications of FEIB's risk and opportunities for the climate change have been established 1. Climate Risk (1) There are two significant physical risk with the countermeasures being set up. Firstly, the natural disasters lead to the disruption of online and physical banking. In consequence, the revenue and customer satisfaction are affected. Secondly, the value of the corporate and individual collateral decreases because of the natural disaster. Consequently, FEIB's asset value is affected and the risk exposure increases. (2) There's only one significant transition risk, carbon fee/tax. Carbon fee/tax will cause counterparty's profit goes down, and then	None

	Implementation Status			Deviations from
Evaluation Item		Yes No	Abstract Illustration	"Sustainable Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
			affect bank's asset value and investment income. 2. Climate Opportunities There are two significantly opportunities with the following implementation being set up. Firstly, strengthen the resources recycle to alleviate the impacts of the environment and reduce the operational costs. Secondly, through the online services/digital technology, reduce the resources wasted by the traditional services and improve the convenience of financial services for customers. To learn about the effect of climate risk, scenario " analysis is been used as methodology of climate risk assessment. Setting Ąglobal average temperature raise below 2濎ą and Ąglobal average temperature raise over 4濎ą as future scenario, to presume possible climate-related disaster, amending of law, and use the presumption to assessment the impact of climate risk in future. Physical risk estimation was based on Ąglobal " average temperature raise over 4濎ą, using climate related public database to clarify the exposure and vulnerability, then combining clarified data with floors and age of real estate to assess physical risk. According to the physical risk assessment, bank's physical risk impact is not very significant, just a several credit collaterals lie in high climate-risk area. Besides, branches which sits in high climate-related risk area were already prepare to deal with climate related disaster. " In the part of transition risk, because of bank's GHG emission ascribes to electricity using (scope 2 emission) mainly, GHG emission was less than technology industry and manufacturing, bank's operating capacity wasn't affected by transition risk too much. In the part of business, bank used the methodology draft by ĄPartnership for Carbon Accounting Financialsą to calculate bankćs GHG emission by credit and investment, and then coordinating with climate scenario (Ąglobal average temperature raise below 2濎ą) to assess the risk of carbon fee/tax. According to the scenario analysis, bank doesn't get great influence by transition risk, because there just a few high GHG emission corporation among bank's counterparties. " According to the difference of climate risk trait and business categories, bank sets climate metrics and targets as a tool to keep monitoring and managing climate risk influence.
(4) Has the bank assessed climate change-related risks and opportunities	9		é FEIB follows ISO 14001 and ISO 50001 standards and has an environmental and energy management policy. It commits to:	None

		Implementation Status	Deviations from
Evaluation Item	Yes No	Abstract Illustration	"Sustainable Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
and implemented response measures?		Compliance with environmental laws and sustainable targets. Continuous improvement of energy performance. Pollution prevention and circular economy support. Green procurement and low-carbon product adoption. Enhancing staff environmental awareness. é Initiatives include: 1. Energy-efficient lighting and inverter AC systems. 2. Office temperature control at 26-28°C. 3. Lighting retrofits with LED. 4. Power-saving settings for devices. 5. Elevator optimization during off-peak hours. 6. Quarterly reviews of electricity/water usage. 7. Water-saving devices and low-flush toilets. 8. Waste sorting and recycling. é The bank's greenhouse gas emissions, water consumption, and total weight of waste are as follows: 1.Greenhouse gas emissions UnitǺtons of CO2e 2025 2024 2023 Scope 1 303.23 296.49 306.88 Market 4,300.98 4,721.50 5,151.62 Benchmark Scope 2 Location 4,647.02 4,999.74 5,151.62 Benchmark Total carbon emissions 4,604.21 5,017.99 5,458.50 Carbon intensity ( tons of CO2e/ NT\$ 0.3578 0.3903 0.4266 million) Data Coverage The Bank and Subsidiaries Note 1ǺConducted in accordance with ISO 14064-1:2018 inventory standards. The emissions have been verified by the British Standards Institution (BSI) according to the ISO 14064-3:2019 standard. The assurance opinion is at a reasonable assurance level. Note 2ǺSubsidiaries include Far Eastern Asset Management Corp., FEIB Financial Leasing Co., Ltd. and Far Eastern International Securities. Note 3: Information on Scope 3 inventory will be disclosed in the sustainability report. 2.Water consumption and Waste 2025 2024 2023 Water consumption 64,073 66,231 67,183 (degree) 133.40 Waste (ton) 142.15 145.33 Data Coverage Consolidated Domestic Site Note1: The inventory was conducted in accordance with the ISO 14064-1:2018 standard. Water consumption and total weight of waste have been assured by the British Standards Institution (BSI), applying a limited assurance level for 2025 and Agreed-Upon Procedures (AUP) for 2023-2024." Note2: Subsidiaries include Far Eastern Asset Management Corp. and Far Eastern International Securities.

		Deviations from
Evaluation Item	Yes No	Abstract Illustration	"Sustainable Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
4. Social issues (1) Has the Bank formulated relevant management policies and procedures in accordance with applicable laws and international human rights conventions?	9	" Following various labor laws and international human rights conventions, the Bank formulates "work rules" and personnel management guidelines. Additionally, the Bank protects employees' labor rights and maintains gender equality in the workplace.	None
(2) Has the Bank implemented reasonable employee benefits (including compensation, leave, and other welfare) and linked business performance to compensation?	9	" Please refer to the "Employee Welfare Measures" and "Labor-Management Agreements and Various Employee Interest Protection Measures" section on page 131-133.	None
(3) Does the Bank provide a safe and healthy work environment and regularly conduct health and safety training for employees?	9	" Please refer to the "Workplace Safety and Employee Psychology Health Maintenance" section on page 131-133. " No fire incidents occurred in 2025.	None
(4) Has the Bank developed effective career development and training programs for employees?	9	" Please refer to the "Employee Training and Development" and "Training and Development Plan in 2026" section on page 121.	None
(5) Does the Bank comply with laws and international guidelines regarding customer health and safety, privacy, marketing, and labeling, and establish consumer protection policies and complaint procedures?	9	" The Bank has adopted the "FEIB Financial Consumer Protection Act" and the "FEIB Handling System for Financial Consumer Disputes". " The products and services of the Bank are following the relevant regulations and standards. " Changes in products and services (e.g., standard contracts, notifications of changes in customer rights and interests) are also handled in accordance with the regulations or governing rules stipulated by the competent authority. " The Bank has established the "Personal Data Protection Management Policy" and disclosed the content of the policy and its implementation status in the Bank's sustainability report. " In accordance with the "Client-Friendly Financial Service Principle", FEIB has installed barrier-free facilities and financial support services for customers. " To protect customer privacy and manage personal data securely, the Bank has implemented policies including: 'Personal Data Protection Management Policy', 'Personal Data Protection Indicators and Standards', 'Personal Data File Security Management Guidelines', and 'Personal Data Removal from Office Premises Guidelines of Personal Banking '. These establish confidentiality responsibilities and define controls for removing sensitive data from the	None

			Implementation Status	Deviations from
Evaluation Item		Yes No	Abstract Illustration	"Sustainable Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
			workplace. In case of data breach, procedures under the 'FEIB Personal Data Security Incident Reporting and Handling Guidelines' and the 'Employee Reward and Disciplinary Rules' are followed. " Marketing and labeling-related issues: " Regulations include the 'Know Your Customer Guidelines', 'Sales and Account Risk Management Policy', 'Fair Treatment for Elderly Customers Policy', and 'Financial Consumer Protection Management Guidelines'. These ensure that investment attributes and risk tolerance are properly assessed, product suitability is evaluated, and transactions above a threshold are subject to confirmation and review. " Promotional activity and material management is governed by: 'Advertising, Promotion, and Marketing SOP', 'Sales and Risk Management Policy', and 'Telemarketing Guidelines for Personal Banking'. These require all external materials to be approved by the Legal & Compliance Department, and mandate disclosures for fees, rewards, customer rights, and website posting of contract details. " Customer Interest Protection and Appeal Procedures: " The Board of Directors and senior management oversee consumer protection. The Bank has adopted the 'Fair Customer Treatment Policy' and reports on its implementation annually. The 'Financial Consumer Dispute Resolution SOP', 'Consumer Dispute Case Management Guidelines', and 'Dispute Case Handling Procedures' define complaint handling mechanisms and KPIs. The Bank is certified under the BSI ISO 10002 Quality Management System for complaints. " Supervisory departments regularly analyze root causes of consumer disputes and propose improvements. Internal processes are reviewed to enhance service quality. To reinforce consumer protection, customer complaint cases attributable to employees are considered in annual performance reviews under the customer dimension, as per the Fair Customer Treatment Working Group. " A dedicated complaint database for elderly customers has been established to better protect the rights of senior clients. " The Bank provides user-friendly complaint channels, including a 24-hour customer service line (local landline: 0800-261-732; mobile/outlying islands: 02-8073-1166), AI-powered chatbot ' Xiaole,', a 24-hour complaint hotline (0800-213- 198), and an email contact ([email protected]). These channels are also

		Implementation Status	Deviations from
Evaluation Item	Yes No	Abstract Illustration	"Sustainable Development Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
(6) Has the bank established a supplier management policy requiring compliance with environmental, occupational safety and health, or labor and human rights regulations? What is its implementation status?	9	disclosed on the official website, ensuring accessibility. " To jointly promote corporate social responsibility with suppliers and ensure sustainable environmental development and basic human rights, FEIB has formulated the 'Supplier Corporate Social Responsibility Guidelines.' These cover four major areas: labor and human rights, health and safety, environmental protection, and ethical standards. These guidelines serve as the framework for supplier operations. Major suppliers are required to review these standards prior to contract signing or transaction execution and must sign the 'Supplier CSR Commitment Letter,' 'Supplier CSR Self Assessment Form,' and 'Supplier Anti-Corruption Risk Assessment Form.' The procurement department sets individual assessment criteria for different case types and includes relevant clauses in contracts to ensure supplier compliance (e.g., ISO certifications). No incidents involving human rights or labor rights violations by suppliers were reported in 2025. " In addition to evaluating quality, technology, and financials of suppliers who signed the CSR Commitment Letter, ESG criteriaȋsuch as environmental sustainability, social responsibility, labor conditions, and environmental protectionȋare included in the supplier evaluation indicators. Evaluation results are disclosed on the company website.	None
5. Does the bank prepare CSR or other non-financial information disclosure reports based on internationally recognized reporting standards or guidelines? Has the report been assured by a third-party verification body?	9	" FEIB's 2024 Sustainability Report was prepared in accordance with the Global Reporting Initiative (GRI) Standards and its financial sector supplement, the Sustainability Accounting Standards Board (SASB) standards for commercial banks, and the Task Force on Climate-related Financial Disclosures (TCFD) recommendations. The report has been assured by a certified public accounting firm.	None

If the bank has adopted its own sustainable development guidelines based on the 'TWSE Corporate Sustainability Best-Practice Principles,' please indicate any discrepancies in operation or implementation. No discrepancies.
Other important information that helps understand the implementation of sustainability initiatives:
Please refer to page 124-127 of the annual report for the Bank's Corporate Social Responsibility and Ethical Behavior.
The course "Understanding the Convention on the Rights of Persons with Disabilities (CRPD) and Characteristics and Needs of the Elderly" was conducted, the completion rate for full-time employees (including senior managers) is 100%.

Table 1: Risk assessments of important issues on the basis of the principle of corporate sustainable development and risk management policies or strategies

	Important Issues Risk Assessment Items	Risk Management Policies or Strategies
Environment	Environmental Impact and Management	" FEIB applies "Task Force on Climate-related Financial Disclosures" to identify climate risk. "FEIB identifies the short, mid, and long term risk and opportunity related to the climate by the climate risk matrix and ranks the risk exposure for the customer collaterals in midterm, buildings and warehouses in long term by the analysis of potential flooding and landslide disasters. "FEIB identifies 6 risk and 5 opportunities of the climate on the organization business by investigating with the risk questionnaires. " The Environmental and Energy Management Committee, chaired by the CEO, oversees enterprise-wide integration of environmental and energy practices. The Bank has introduced ISO 14001, ISO 50001, and ISO 14064-1 standards and implemented policies for carbon reduction, energy and water conservation, and waste management to enhance environmental performance.
	Site security	" Business location selection is based on environmental and climate data to avoid coastal, low-lying, or geologically unstable areas. " Flood protection measures such as flood barriers and sandbags are installed at branch and office locations.
Social	Information infrastructure and uninterrupted operations	" The Bank has designated the General Administration Department as the disaster response unit, with a chief duty officer system and emergency reporting protocols to escalate major incidents to management within 30 minutes and initiate crisis management. " FEIB complies with ISO 22301:2019 BCMS (Business Continuity Management System), establishing relevant procedures to ensure swift response and continuity of critical operations during unexpected events. Annual BSI audits are conducted to verify certification validity.
	Socioeconomic compliance and legal adherence	" Governance and internal control mechanisms are established to ensure full compliance with regulatory requirements by all personnel.
Corporate Governance	Board function enhancement	" Directors receive support through ongoing updates on regulatory changes, supervisory communications, and policy trends. " All directors are covered by liability insurance to mitigate legal and financial risks. " A 'Corporate Sustainability Committee' has been established under the Board to oversee sustainability efforts. " Drafted "Climate Change and Environment Risk Management Guideline" define bank's climate change and environment risk manage boundary, target, process, and responsibilities. Supervise the climate risk management according to the designed duties of the Boards of Directors.
	Stakeholder Communication	" A designated spokesperson, deputy spokesperson, and investor relations department are in place to provide communication channels for investor inquiries and feedback.

Bank's climate - related information

1. Implementation status for climate - related information

Item	Implementation Status
1. Please describe the	" As the highest decision-making unit, Board of Dir is responsible for approving FEIB's
status about	climate risk management strategy and supervise the effectiveness of climate risk
oversight and	management mechanism. Risk management committee will follow the climate risk
governance of	management strategy which was approved by Board, manage climate risk management
climate-related risks	mechanism. Risk Management Committee is in charge of the bank-wide climate risk
and opportunities by	management mechanism in accordance with the climate risk management strategy
board and	approved by Board, coordinates and communicates related climate risk management
management.	matters among various departments, and keep monitoring the performance of
	implementation of climate risk management mechanism.

Please describe the identification results how climate risk impact on bank's strategy, business and financial affairs. FEIB identified climate risk and opportunity by "influence level" and "occurrence rate". Besides we consider that climate risk and opportunity will have different impact at different time, so we set FEIB's time line definition as follow, FEIB set short-term as "within 3 years", because of the bank usually plan our operating and developing strategy in 1 to 3 years. And due to some of climate risk and opportunity (such as Physical risk - Chronic) will not impact us significantly within 10 years, we set over 10 years as longterm. And we set 3 years to 10 years as mid-term. Our identification results will describe as followǺ

	Short-term(within 3 years)	Mid-term (3 years to 10 years)	Long-term (over 10 years)
	Transition Risk: Policy & Regulation	Transition Risk: Policies and Legal, Markets, Technology, Reputation; Physical Risk: Acute	Physical Risk: Chronic
Climate risk	"Financial industry won't be the first object of carbon fee, but carbon still impact our clients. If our clients belong to high GHG emission industry, their profitability might decline due to the factors such as energy policies change, carbon fee. And leads to the difficulty in debt recovery or loss of investment profit.	é As the 2050 net-zero carbon emission goal approaches, financial industries, including FEIB, will need to pay carbon fees, increasing operational electricity costs. é The market will focus more on "high carbon" attributes, affecting clients across various transition risk and leading to a shift in demand towards green industries, emerging technologies causing clients' existing products/services to be replaced, or the negative impression of high GHG-emission industries. Due to the situation above, high GHG-emission clients' profitability will decrease, and leads to the difficulty in debt recovery or loss of investment profit.	"Long-term climate risk identified for FEIB include long term environmental impacts such as sea-level rise and temperature increase, which could affect FEIB's operational capability or the value of real estate collateral.

Item			Implementation Status
			é Physical risk-Acute will also impact FEIB. Extreme weather events causing by climate change will also impact FEIB's operational locations and real estate collaterals. These events might interrupt FEIB's operation, damaging IT equipment, and decrease the value of FEIB's real estate collaterals. Then leads to the difficulty in debt recovery.
	Climate opportunity	Opportunity – Markets, Products/Service, Resource Efficiency " Market and Product/Service opportunities will affect FEIB, as demand for goods and market preferences will shift due to climate change. FEIB will benefit from participating in green financing and investments, and demand for low carbon financial products will increase. To deal with climate change, FEIB will improve our resource efficiency to reduce GHG emission.	Opportunity – Resilience " Resilience as an opportunity will impact FEIB's operations. To cope with extreme weather events, FEIB will continue to improve our operational continuity plans to enhance climate resilience. *FEIB define time line by referring to 4.2.8 of ȸSupervisory Policy ManualǺGS-1 Climate Risk Managementȹ, which released by Hong Kong Monetary Authority (HKMA) in 2021.	-
3. Please describe how extreme climate events and transition action impact on financial affairs.		website (https://www.feib.com.tw/detail?id=530).	FEIB evaluates the financial impact of extreme climate events and regulatory changes through scenario analysis, in accordance with the Financial Supervisory Commission's guidelines. Significant impacts on businesses and individuals are disclosed on FEIB's official
4. Please describe the way of integrating climate risk (including identification, assessment, and management) into	"		FEIB integrates climate risk management into its existing internal control frameworks, ensuring climate risks are considered in investment and lending reviews. According to "The Directions of Climate Risk Management," the first line of risk management units should incorporate climate risk factors when handling investment or credit reviews to understand clients' risk situation. To ensure climate risk is under control, the second line of risk management units will be responsible for regular risk assessments, and the third line of risk management units will ensure the functionality of the first and second lines.

Item	Implementation Status
existing risk management system.	" To ensure the effectiveness of risk monitoring and management, FEIB has established the "Climate Change and Environment Risk Management Guideline" and "The Directions of Climate Risk Management." These two internal regulations follow the climate risk management process of identification, assessment, monitoring, and management. FEIB will identify climate risks of its business and all branches, assess climate risks through scenario analysis, and adopt risk avoidance, transfer, or control measures for those with high climate risk.
5. If you use scenario analysis to assess resilience to climate risk, please describe your scenarios, parameters, assumptions, and analytical factors, and the main impact on financial affairs.	FEIB conducts scenario analyses to assess resilience to climate risk, using scenarios, parameters, assumptions, and analytical factors aligned with regulatory guidelines. The main financial impacts are disclosed on FEIB's official website (https://www.feib.com.tw/detail?id=530).
6. If you have developed the transition plan to respond for climate risk, please describe about the plan, and metrics and targets using for climate risk identification, and management.	é Transition Plan: FEIB's transition plan includes optimizing Business Continuity Planning for climate resilience and incorporating climate risk into existing risk management. FEIB also seizes transition opportunities by promoting digital services and developing sustainable products like green bonds. é Climate Risk Metrics and Targets: In order to continuously monitor and effectively manage climate risk, FEIB sets key climate risk metrics for risk monitoring for operations and each business aspect, and sets short, medium and long-term targets. FEIB's climate risk metrics and targets are disclosed on FEIB's official website. (https://www.feib.com.tw/detail?id=534)
7. Please describe the base theory of carbon pricing if you use internal carbon pricing as a carbon management tool.	" To strengthen climate risk management and promote the internalization of carbon reduction actions, the bank has introduced a Shadow Price mechanism. The carbon price is set at NT\$3,500/tCOလe, primarily covering Scope 2 (purchased electricity), which accounts for approximately 94% of the Bank's total Scope 1 and Scope 2 emissions. The carbon price was determined with reference to the NGFS "Net Zero 2050" scenarios " and the SBTi 1.5±C mitigation pathway. It also incorporates a comprehensive consideration of Taiwanȷs carbon market prices and the bankȷs renewable energy procurement costs to ensure alignment with international standards and practical feasibility. " The bank is progressively integrating internal carbon pricing into various carbon reduction assessment scenarios, including energy efficiency enhancements, energy-saving competitions, investment benefit analysis for replacing high-energy-consuming equipment, cost comparisons for renewable energy procurement, and feasibility assessments for future carbon management measures. We will continue to review and optimize our pricing strategy based on implementation progress and operational requirements.
8. If you have set climate-related target, you should describe covered activity, scope of GHG emission, schedule, and annual progress.	" Climate Risk Metrics and Targets: In order to continuously monitor and effectively manage climate risk, FEIB sets key climate risk metrics for risk monitoring for operations and each business aspect, and sets short, medium and long-term targets. FEIB's climate risk metrics and targets are disclosed on FEIB's official website. (https://www.feib.com.tw/detail?id=534) " In 2025, FEIB purchased 64 Renewable Energy Certificates (RECs), totaling 64,000 kWh
9. GHG Inventory and Assurance Status	é To be specified in "GHG Inventory and Verification status for the last two years".

	Inventory status				Verification status
Year		Emissions (Metric tons of CO2e)		Intensity (Metric		Verification
	Scope 1	Scope 2	Total	tons of Coverage CO2e/NT\$ Million)	Institution	Descriptions
							Verification Coverage	Same as the Inventory Coverage
	The Bank and 2025 303.23 4,300.98 4,604.21 0.3578 Subsidiaries			Verification Principles	ISO 14064-3:2019
		BSI	Verification Opinion	The result of verification is unqualified Opinion and the level of assurance is reasonable.
							Verification Coverage	Same as the Inventory Coverage
		296.49 4,721.50 5,017.99		0.3903	The Bank and		Verification Principles	ISO 14064-3:2019
2024					Subsidiaries		Verification Opinion	The result of verification is unqualified Opinion and the level of assurance is reasonable.

GHG Inventory and Verification status for the last two years

Note: Subsidiaries include Far Eastern Asset Management Corp., FEIB Financial Leasing Co., Ltd. and Far Eastern International Securities.

2. Greenhouse Gas Reduction Targets, Strategies, and Action Plans

In September 2024, the Bank committed to the Science Based Targets initiative (SBTi), and received official approval in March 2025. With 2023 as the base year, the Bank has set a target to reduce Scope 1 and Scope 2 greenhouse gas emissions by 42% by 2030, aligning with the Paris Agreement goal of limiting global temperature rise to 1.5°C.

To achieve this target, the Bank has adopted a strategy of reducing carbon emissions by 6% annually, with a gradual increase in reduction efforts over time. Key action plans include phasing out outdated, energy-intensive equipment, implementing standardized and digitalized management systems, and increasing the use of renewable energy. In 2025, the Scope 1 and Scope 2 greenhouse gas (GHG) emissions of the Bank (including its consolidated subsidiaries) were 4,604.21 metric tons of CO2e, representing a 15.65% decrease compared to the base year (2023) and achieving the carbon reduction target for the year.

Attachment: Greenhouse Gas Assurance Report for the Year 2024

	EMISSIONS	Notes	tonnes CO ₂ e
	Category 1: Direct GHG emissions and removals		296.4920
1.1	Stationary combustion		1.0739
1.2	Mobile combustion		73.9684
1.3	Industrial processes (anthropogenic systems)		0.0000
1.4	Fugitive (anthropogenic systems)		221.4497
1.5	Land use, land use change and forestry		0.0000
	Direct emissions in tonnes of CO ₂ e from biomass		0.0000
	Category 2: Indirect GHG emissions from imported energy		4,999.7426
2.1	Indirect from imported emissions electricity	location-based approach	4,999.7426
	Renewable Electricity purchased in kWh with contractual instruments compliant with ISO 14064-1 Annex E	T-REC: 23SP0331-U024000186~218 24SP0352-U024000131~180 24SP0383-U024000184~275 22SP0059-U024000022~88	242,000 kWh
		Power Purchase Agreements	321,247 kWh
	Indirect emissions from imported electricity	market-based approach	4,721.4986
2.2	Indirect from imported emissions energy (steam, heating, cooling and compressed air)		0.0000

	EMISSIONS	Notes	AUP Item(s)	tonnes $CO2e$
	Category 4: indirect GHG emissions from products used
	by organization			1,005.0908
4.1	Purchased from Emissions goods	Fuel and energy related activities	Gasoline 32,177.1466L Diesel 399.2247L Electricity 9,681,548.9136 kWh Water 66,230.7618 m ³	972.6998
4.3	Emissions from the disposal of solid and liquid waste	Solid waste from domestic branch office average weight per person per year	Solid waste 84,607.5000 kg Recycle waste 57,545.00 kg Transport (Solid waste & Recycle waste) 2,717.8200 tkm	32.3910

Location	Verification Information
Far Eastern International Bank and its subsidiary 1F \ 13F \ 17F \ 18F \ 20F \ 26F \ 27F. No. 205, 207, 209, Sec. 2, Dunhua S. Rd. Da' an Dist. Taipei City 106428 Taiwan 遠東國際商業銀行股份有限公司 106428 查灣台北市大安區敦化南路二段 207號1、13、 17 - 18 - 20 - 26 - 27 #	The Greenhouse Gas Emissions with Far Eastern International Bank for the period from 2024-01-01 to 2024- 12-31 was verified, including direct greenhouse gas emissions 292.3947 tonnes of CO ₂ equivalent and indirect greenhouse gas emissions from imported energy 4,612.2508 tonnes of CO ₂ equivalent. The 60 locations of Far Eastern International Bank are included.
Far Eastern Asset Management Corp. B Room, 17F., No. 207, Sec. 2, Dunhua S. Rd., Da' an Dist., Taipei City 106428 遠銀資產管理股份有限公司台北市大安區敦化南路二段 207號 17樓B室	The Greenhouse Gas Emissions with Far Eastern Asset Management Corp. for the period from 2024-01-01 to 2024- 12-31 was verified, including direct greenhouse gas emissions 0.0002 tonnes of CO ₂ equivalent and indirect greenhouse gas emissions from imported energy 3.0795 tonnes of CO ₂ equivalent.
FEIB Financial Leasing Co., Ltd 8F., Yuangi Building, No.28 Bailianjing Road, Pudong New Area, Shanghai 遗荣租赁股份有限公司上海市浦东新区白莲泾路28号远企大楼8楼	The Greenhouse Gas Emissions with FEIB Financial Leasing Co., Ltd for the period from 2024-01-01 to 2024-12-31 was verified, including direct greenhouse gas emissions 0.0000 tonnes of CO ₂ equivalent and indirect greenhouse gas emissions from imported energy 3.8581 tonnes of CO ₂ equivalent.
Far Eastern International Securities 51F., No. 7, Sec. 5, Xinyi Rd., Xinyi Dist., Taipei City 110, Taiwan 遠智證券股份有限公司台北市信義區信義路5段7號51樓	The Greenhouse Gas Emissions with Far Eastern International Securities for the period from 2024-01-01 to 2024-12-31 was verified, including direct greenhouse gas emissions 4.0971 tonnes of CO ₂ equivalent and indirect greenhouse gas emissions from imported energy 380.5542 tonnes of CO ₂ equivalent. The 3 locations of Far Eastern International Securities are included.

Attachment: Greenhouse Gas Assurance Report for the Year 2025

ramaa as saasiaccoi j
Reasonable Assurance: Based on the process and procedures conducted, the GHG statement contained in the Far Eastern International Bank 2025 GHG report produced by Far	Is materially correct and is a fair representation of GHG data ٠ and information.
Eastern International Bank. covering the direct GHG emissions and removals (Scope 1) and the indirect GHG emissions from imported energy (Scope 2):	Has been prepared in accordance with ISO 14064-1:2018 and it's principles.
Limited Assurance:	Is not materially correct and is not a fair representation of GHG ٠
Based on the process and procedures conducted, there is no evidence that the GHG statement contained in the Far Eastern International Bank 2025	data and information.
	Has not been prepared in accordance with ISO 14064-1:2018 ٠ and it's principles.
GHG report produced by Far Eastern International Bank, covering the other indirect GHG emissions (Scope 3):	For certain categories, greenhouse gas emissions are ٠ estimated using secondary data, which may introduce inherent uncertainty in the resulting emissions figures.
Lead Verifier	Wendy Shen
Independent Reviewer	Jay Tseng
Signed on behalf of BSI	$Q_{\alpha x}$ $\sigma$ $\sigma$ $\alpha x$ Managing Director Northeast Asia, APAC Assurance
Issue Date	2026-04-23
BSI Group Singapore Pte. Ltd. Taiwan Branch, 2nd Floor, No.37, Ji-Hu Road Nei-Hu Dist., Taipei 114700, Taiwan
	NOTE: BSI Group Singapore Pte. Ltd. Taiwan Branch (hereafter referred to as BSI Taiwan) is independent to and has no financial interest in Far Eastern International Bank. This 3 ^nd party Verification Opinion has been prepared for Far Eastern International Bank only for the purposes of verifying its statement relating to its GHG emissions more particularly described in the scope above. It was not prepared for any other purpose. In making this Statement, BSI Taiwan has assumed that all information provided to it by Far Eastern International Bank is true, accurate and complete. BSI Taiwan accepts no liability to any third party who places reliance on this statement.

Organization	Far Eastern International Bank
	遠東國際商業銀行股份有限公司
Responsible party	Far Eastern International Bank
	遠東國際商業銀行股份有限公司
Verification Objectives	To express an opinion on whether the organizational GHG Statement which is historical in nature: Is accurate, materially correct and is a fair representation of GHG data and information Has been prepared in accordance with ISO 14064-1:2018, the criteria ٠
	used by BSI to verify the GHG Organizational Statement
Materiality Level	5%
Level of Assurance	Reasonable for direct GHG emissions and indirect GHG emissions from ٠ imported energy Limited for the other indirect GHG emissions ٠
Verification evidence gathering procedures	Evaluation of the monitoring and control systems through ٠ interviewing employees observation & inquiry. Verification of the data through sampling recalculation, retracing, $\bullet$ cross checking and reconciliation. Activity data was verified through consumption logs, records, daily ٠ logs, utility bills, invoices, service records, etc. Secondary data used in calculations were verified through visiting the ٠ respective sites and accessing those references.
	The verification activities applied in a limited level of assurance verification are less extensive in nature, timing and extent than in a reasonable level of assurance verification.
Verification Standards	The verification was carried out in accordance with ISO 14064-3:2019, ISO 14065:2020 and ISO 17029:2019
on the GHG statement based on the verification.	Note: Far Eastern International Bank is responsible for the preparation and fair presentation of the GHG statement and report in accordance with the agreed criteria. BSI is responsible for expressing an opinion

Organization		Far Eastern International Bank 遠東國際商業銀行股份有限公司 27F, No. 207, Sec. 2, Dunhua S. Rd., Da'an Dist., Taipei City 106428, Taiwan 106428 台北市大安區敦化南路二段 207號 27樓
GHG Statement	Organizations GHG Report containing	遠東國際商業銀行股份有限公司 2025 年溫室氣體盤壺報告速東國際商業銀行股份有限公司 2025 年溫室氣體盤壺清冊
Organizational Boundary		Operational Control
Boundary	Locations included in the Organizational	See Appendix A
Scope of activities		The provision of financial services
Direct GHG emissions (Scope 1)		Stationary combustion ٠ Mobile combustion Fugitive (anthropogenic systems) ٠
	Direct GHG Removals (Scope 1)	N/A
	Indirect GHG emissions from imported energy (Scope 2)	Imported electricity ٠
Reporting	Indirect GHG emissions from transportation (Scope 3)	Not significant
Boundary	Indirect GHG emissions from products used by organization (Scope 3)	Purchased goods and services (electricity, fuel and ٠ water only) The disposal of solid and liquid waste (domestic ٠ locations only)
	Indirect GHG emissions associated with the use of products from the organization (Scope 3)	Not significant
	Indirect GHG emissions from other sources (Scope 3)	Not significant
Criteria for developing the	organizational GHG Inventory	ISO 14064-1:2018
Reporting Period		2025-01-01 to 2025-12-31

Category	tonnes CO ₂ e
Direct emissions (Scope 1)	303.2305
Indirect emissions from imported energy (Scope 2) - Location Based	4,647.0150
Indirect emissions from imported energy (Scope 2) - Market Based	4,300.9817
Indirect GHG emissions from products used by organization (Scope 3)	1,147.6064
Total (location based)	6,097.852
Total (market based)	5,751.819

Location		Address
速東國際商業 Branch 銀行股份有限高雄中正分行公司 Internationa 三重分行 I Bank	绝行(含誉業部及敦南分行) Headquarter 台北城中分行 Taipei Cheng Chung Branch 台北选仙分行 Taipei Yihsien Branch 桃園分行 Taoyuan Branch 台中公益分行 Taichung Kungyi Branch 台南分行 Tainan Branch 高雄五福分行 Kaohsiung Wufu Branch 板橋南雅分行 Panchiao Nanya Branch 新竹巨城分行 Hsinchu Big City Kaohsiung Far Eastern Chungcheng Branch Sanchung Branch 台北松江分行 Taipei Sungchiang Branch 永康分行 Yungkang Branch 中埋分行 Chungli Branch	台北市大安區敦化南路二段207號1、13、17、18、20、26、27樓 1F \ 13F \ 17 \ 18F \ 20F \ 26F \ 27F., No. 207, Sec. 2, Dunhua S. Rd., Da'an Dist., Taipei City 100台北市中正區重慶南路一段77號 No. 77, Sec. 1, Chongqing S. Rd., Zhongzheng Dist., Taipei City 100, Taiwan 110台北市信義區基隆路一段200號之3 No. 200-3, Keelung Rd., Sec. 1, Shinyi Dist., Taipei City 110, Taiwan 330 桃園市桃園區南華街 78 號 No. 78, Nanhua St., Taoyuan Dist., Taoyuan City 330, Taiwan 403台中市西區公益路367號 No. 367, Kungyi Rd., West Dist., Taichung City 403, Taiwan 701 台南市東區東門路二段2號 No. 2, Dongmen Rd., Sec. 2, East Dist., Tainan City 701, Taiwan 803 高雄市鹽埕區大勇站 106號 No. 106, Dayong Rd., Yancheng Dist., Kaohsiung City 803, Taiwan 220 新北市板橋區南雅南路二段172號 No. 172, Nanya S. Rd., Sec. 2, Panchiao Dist., New Taipei City 220, Taiwan 300 新竹市東區中央路 243 號 No. 243, Zhongyang Rd., East Dist., Hsinchu City 300, Taiwan 800 高雄市新興區中正四路 49號 No. 49, Chungcheng 4th Rd., Xinxing Dist., Kaohsiung City 800, Taiwan 241 新北市三重區福德北路 46號 No. 46, Fude N. Rd., Sanchung Dist., New Taipei City 241, Taiwan 104 台北市中山區松江路 59號 No. 59, Sungchiang Rd., Chungshan Dist., Taipei City 104, Taiwan 710台南市永康區中正北路37號 No. 37, Zhongzheng N. Rd., Yungkang Dist., Tainan City 710, Taiwan 320 桃園市中堤區環北路 211號1、2、5樓 1 · 2 · 5F., No. 211, Huanbei Rd., Zhongli Dist., Taoyuan City 320, Taiwan

	永和分行 Yungho Branch 台北東門分行 Taipei Tungmen Branch	234 新北市永和區福和路 222 號 No. 222, Fuhe Rd., Yongho Dist., New Taipei City 234, Taiwan 100台北市中正區信義路二段135號 No. 135, Sinyi Rd., Sec. 2, Zhongzheng Dist., Taipei City 100, Taiwan
	高雄文化中心分行 Kaohsiung Culture Center Branch 台中文心分行 Taichung Wenshing Branch	802 高雄市芩雅區四维二路 96 號 No. 96, Siwei 2nd Rd., Lingya Dist., Kaohsiung City 802, Taiwan 406 台中市北屯區文心路四段 698 號 No. 698, Wenshin Rd., Sec. 4, Beitun Dist., Taichung City 406, Taiwan
	新竹科团分行 Hsinchu Scientific Park Branch	300 新竹市科學工業園區園區二路 11 號 3 樓 3F, No. 11, Yuanqu 2nd Rd., Hsinchu City 300, Taiwan

Location		Address
	桃園大興分行	330 桃園市桃園區大興西路二段6號
	Taoyuan Tashing	No. 6, Tashing W. Rd., Sec. 2, Taoyuan Dist., Taoyuan City 330,
	Branch	Taiwan
	台北南門分行	100台北市中正區羅斯福路一段40號
	Taipei Nanmen	No. 40, Roosevelt Rd., Sec. 1, Zhongzheng Dist., Taipei City 100,
	Branch	Taiwan
	台北新莊分行
	Taipei Shinchuang	242 新北市新莊區幸福路 688 號
	Branch	No. 688, Xingfu Rd., Xinzhuang Dist., New Taipei City 242, Taiwan
	台北松山分行	105台北市松山區南京東路五段171號
	Taipei Sungshan	No. 171, Nanjing E. Rd., Sec. 5, Sungshan Dist., Taipei City 105,
	Branch	Taiwan
		231 新北市新店區北新路三段98號
	新店分行	No. 98, Beixin Rd., Sec. 3, Shindian Dist., New Taipei City 231,
	Shindian Branch	Taiwan
	台北重慶分行	103台北市大同區重慶北路一段30號
	Taipei Chungching	No. 30, Chungching N. Rd., Sec. 1, Datong Dist., Taipei City 103,
	Branch	Taiwan
		302 新竹縣竹北市光明六路41號
	竹北分行	No. 41, Guangming 6th Rd., Chupei city, Hsinchu County 302,
	Chupei Branch	Talwan
	台北忠孝分行	100台北市中正區忠孝東路一段112號
	Taipei Chung Hsiao	No. 112, Zhongxiao E. Rd., Sec. 1, Zhongzheng Dist., Taipei City 100,
	Branch	Taiwan
	林口分行	333 桃園市龜山區復興一路 227 號
	Lin Kou Branch	No. 227, Fuxing 1st Rd., Guishan Dist., Taoyuan City 333, Taiwan
	板橋文化分行	220 新北市板橋區文化路二段1號
	Panchiao Wenhua	No. 1, Wenhua Rd., Sec. 2, Panchiao Dist., New Taipel City 220,
	Branch	Taiwan
	台中自由分行	400 台中市中区自由路二段 131 號
		Taichung Jihyu Branch No. 131, Jihyu Rd., Sec. 2, Central Dist., Taichung City 400, Taiwan
	新莊富國分行	242 新北市新莊區富國路6號
	Shinchuang Fu Guo	No. 6, Fuguo Rd., Shinchuang Dist., New Taipei City 242, Taiwan
	Branch
	台北水吉分行	110台北市信義區中坡北路7號
	Taipei Yungji Branch	No. 7, Zhongpo N. Rd., Shinyi Dist., Taipei City 110, Taiwan
	桃園大有分行	330 桃園市桃園區大有路 480 號
	Taoyuan Dayou Branch	No. 480, Dayou Rd., Taoyuan District, Taoyuan City 330, Taiwan
	台北金湖分行	114台北市內湖區金湖路374號
	Taipei Jinhu Branch	No. 374, Jinhu Rd., Neihu Dist., Taipei City 114, Taiwan
		111台北市士林區承德路四段83之1號1樓及83之2號1、2樓1F-
	台北承德分行	2F
	Taipei Chengde	1F., No. 83-1, Sec. 4, Chengde Rd., Shilin Dist., Taipei City
	Branch	1F-2F., No. 83-2, Sec. 4, Chengde Rd., Shilin Dist., Taipei City
	台北信義分行	110台北市信義區充復南路 505號
	Taipei Shinyi Branch	No. 505, Guangfu S. Rd., Shinyi Dist., Taipei City 106, Taiwan
	蘆洲分行	247 新北市蘆洲區三民路38號
	Luzhou Branch	No. 38, Sanmin Rd., Luzhou Dist. New Taipei City 247, Taiwan
	中和分行	235 新北市中和區和平街3號
	Chungho Branch	No. 3, Heping St., Chungho Dist., New Taipei City 235, Taiwan
	板橋中正分行	220 新北市板橋區中正路 228 號
		Panchiao Chungcheng No. 228, Chungcheng Rd., Panchiao Dist., New Taipei City 220,

Location		Address
	新竹經國分行 Hsinchu Jinguo Branch	300 新竹市北區東大路二段118號1、2樓 1-2F., No. 118-1, Sec. 2, Dongda Rd., North Dist., Hsinchu City 300, Taiwan
	台中大独分行 Taichung Daya Branch	404台中市北區文心路四段180號 No. 180, Wenshing Rd., Sec. 4, North Dist., Taichung City 404, Taiwan
	台中朝富分行 Taichung Chaofu Branch	407台中市西屯區朝富路139號 No. 139, Chaofu Rd., Xitun Dist., Taichung City 407, Taiwan
	南投分行 Nantou Branch 嘉義分行	540 南投縣南投市三和二路11號 No. 11, Sanhe 2nd Rd., Nantou City, Nantou County 540, Taiwan 600 嘉義市東區文化路 272 號
	Chiayi Branch 高雄博爱分行 Kaohsiung Boai	No. 272, Wenhua Rd., East Dist., Chiayi City 600, Taiwan 813 高雄市左營區博愛二路578號 No. 578, Boai 2nd Rd., Zuoying Dist., Kaohsiung City 813, Taiwan
	Branch 大里分行 Dali Branch	412台中市大里區益民路二段121號 No. 121, Yimin Rd., Sec. 2, Dali Dist., Taichung City 412, Taiwan
	崇德分行 Chungde Branch 板橋大速百分行	701 台南市東區崇道路 87號 No. 87, Chongdao Rd., East Dist., Tainan City 701, Taiwan
	Panchiao Mega City Branch 雙和分行	220 新北市板橋區新站路 18 號(大速百 B 楝)2 樓 2F, No. 18, Xinzhan Rd., Panchiao Dist., New Taipei City 220, Taiwan 234 新北市永和區中和路 535號
	Shuangho Branch 台北南京東路分行 Taipei Nanjing East	No. 535, Zhonghe Rd., Yongho Dist., New Taipei City 234, Taiwan 104 台北市中山區南京東路三段101號 No. 101, Nanjing E. Rd., Sec. 3, Chungshan Dist., Taipei City 104,
	Road Branch 台北大稻埕分行 Taipei Dadaocheng	Taiwan 103台北市大同區延平北路二段86號
	Branch 石牌分行 Shipai Branch	No. 86, Yanping N. Rd., Sec. 2, Datong Dist., Taipei City 103, Taiwan 112台北市北投區石牌路二段112號 No. 112, Shipai Rd., Sec. 2, Beitou Dist., Taipei City 112, Taiwan
	台北復興簡易型分行 Taipei Fuxing Mini Branch	104台北市中山區復興北路 422號 No. 422, Fuxing N. Rd., Zhongshan Dist., Taipei City 104, Taiwan
	板橋大人國大樓 Bangiao DaRen Guo Building	220 新北市板橋區文化路二段182 巷3 弄 48 號 B1~5F B1~5F, No. 33, Aly. 3, Ln 182, Wenhua Rd., Sec. 2, Panchiao City, New Taipei City 220, Taiwan
	板橋文化奇蹟大樓 Bangiao Cultural Miracle Building	220 新北市板橋區文化路二段182 巷3 弄 33 號 B1~4F B1-4F, No. 33, Aly. 3, Ln 182, Wenhua Rd., Sec. 2, Panchiao City, New Taipei City 220, Taiwan
	香港分行 Hong Kong Branch 新加坡代表人辦事處	香港中環皇后大道中 8號 20 樓 20F, No. 8, Queen's Road, Central, Hong Kong
	Singapore Representative Office 越南胡志明市代表人辦	新加坡置地大廈,50 菜佛士坊,新加坡 22F 50 Raffles Place #14-4 Singapore Land Tower, Singapore 048623
	事成 Ho Chi Minh City Representative Office	越南胡志明市第1區阮文古 235 皇家中心大樓皇家A座8樓 803 室 8F Unit #803, 8F of Royal Tower A, Royal Centre Building, 235 Nguyen Van Cu, District 1, Ho Chi Minh City, Vietnam
	中山辦公室 Chungshan Office	104台北市中山區民生東路一段70號 No. 70, Sec. 1, Minsheng E. Rd., Zhongshan Dist., Taipei City 104, Taiwan
	汐止倉庫	221 新北市汐止區大同路3段188號4F

Location		Address
	Xizhi Warehouse	4F., No. 188, Sec. 3, Datong Rd., Xizhi Dist., New Taipei City 221, Taiwan
	台中倉庫 Taichung Warehouse	台中市西區積誠三街50號1樓 1 F., No. 50, Jingcheng 3rd St., West Dist., Taichung City 403020, Taiwan
	芩雅倉庫 Lingya Warehouse	高雄市芩独区青年一路191號2樓 2 F., No. 191, Qingnian 1st Rd., Lingya Dist., Kaohsiung City 802039, Taiwan
遠銀資產管理股份有限公司 Far Eastern Asset Management Corp.		台北市大安區敦化南路二段 207 號 17 樓 B 室 B Room, 17F., No. 207, Sec. 2, Dunhua S. Rd., Daan Dist., Taipei City 106. Taiwan
遠榮國際融資租賃有限公司 FEIB Financial Leasing Co., Ltd.		上海市浦东新区白莲泾路28号远企大楼8楼 8F, Yuangi Building, No.28 Bailianjing Road, Pudong New Area, Shanghai
遠智證券股份有限公司 Far Eastern International Securities	總公司 Headquarter	台北市信義區信義路5段7號51樓 51F., No. 7, Sec. 5, Xinyi Rd., Xinyi Dist., Taipei City 110, Taiwan
	台中分公司 Taichung Branch	台中市西屯區市政北二路282號11樓之5 11F-5, No. 282, Shizheng N. 2nd Rd., Xitun Dist., Taichung City 407, Taiwan
	高雄分公司 Kaohsiung Branch	高雄市芩雅區四維三路6號24樓之2 24F-2, No. 6, Siwei 3rd Rd., Lingya Dist., Kaohsiung City 802, Taiwan

装別	排放量(公噸二氧化碳當量)
直接温室氣體	303.2305
輸入能源間接溫室氣體-(location based)	4,647.0150
輸入能源間接溫室氣體-(market based)	4.300.9817
總排放(location based)	4,950,2455
總排放(market based)	4,604.2122
保留意見:無。

Location	Emissions	tonnes CO ₂ e
	Direct emissions (Scope 1)	300.1104
遠東國際商業銀行股份有限公司 Far Eastern International	Indirect emissions from imported energy (Scope 2) - Location Based	4,296.3391
Bank	Indirect emissions from imported energy (Scope 2) - Market Based	3,950.3059
	Direct emissions (Scope 1)	0.0002
遠銀資產管理股份有限公司 Far Eastern Asset	Indirect emissions from imported energy (Scope 2) - Location Based	2.8910
Management Corp.	Indirect emissions from imported energy (Scope 2) - Market Based	2.8910
	Direct emissions (Scope 1)
遮榮國際融資租賃有限公司 FEIB Financial Leasing Co.,	Indirect emissions from imported energy (Scope 2) - Location Based	3.7341
Ltd.	Indirect emissions from imported energy (Scope 2) - Market Based	3.7341
	Direct emissions (Scope 1)	3.1200
遺智證券股份有限公司 Far Eastern International Securities	Indirect emissions from imported energy (Scope 2) - Location Based	344.0507
	Indirect emissions from imported energy (Scope 2) - Market Based	344,0507

(9) Ethical Corporate Management

	Implementation Status		Deviations from "the
Evaluation Item	Yes No	Summary description	Ethical Corporate Management Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
1. Establishment of Integrity Management Policy and Programs (1) Has the bank established an integrity policy approved by the Board and disclosed it in internal rules and public documents, including the Board and senior management's commitment?	9	" On November 6, 2015, the 3rd meeting of FEIBȷs 9th Board of Directors approved the 'Integrity Management Guidelines'. Revisions were approved on March 23, 2020 by the 10th Board. These clearly state FEIBȷs integrity policy, practices, and the commitment of the Board and management. " FEIB has also established the 'Code of Ethical Conduct' and 'Employee Code of Conduct', which define expected ethical behaviors. Regulatory training is conducted regularly, and employees sign the code annually to mitigate risks of unethical conduct. " The Board and management actively uphold	None
(2) Has the bank assessed risks of dishonest behavior and defined preventive programs covering all items under Article 7-2 of the TWSE/TPEx Corporate Integrity Principles?	9	integrity by complying with the Company Act, Securities and Exchange Act, other laws, and internal policies. " The Bank implemented unethical conduct risk assessment, which procedures cover the prevention measures outlined in Article 7, paragraph 2, of the "Ethical Corporate Management Best Practice Principles for TWSE/GTSM Listed Companies." Assessment items include: bribes; illegal political donations; improper charitable donations; improper benefits; infringement of business secrets or intellectual property rights; unfair competition; damaging the rights, health, and safety of	None
(3) Does the policy define procedures, codes of conduct, penalties, complaint mechanisms, and periodic review?	9	stakeholders; dealings with persons who are illegal or dishonest; insider trading; non compliance with laws and regulations. " Please refer to the "Employee Behavior and Ethics Standards" section on page 122-124, and "Labor-Management Agreements and Various Employee Interest Protection Measures" and "Policies of reporting, appealing and disciplinary actions" section on page 132 of this annual report".	None
2. Implementation of Integrity Management (1) Does the bank assess the integrity records of counterparties and include integrity clauses in contracts where feasible?	9	" FEIBȷs Integrity Guidelines require due diligence on agents, contractors, suppliers, and counterparties to verify legal standing and integrity records. When entering a contract with the counterparty of transaction, the Bank has included the ethical conduct provisions if practicable.	None

		Implementation Status	Deviations from "the
Evaluation Item	Yes No	Summary description	Ethical Corporate Management Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
(2) Has the bank established a dedicated unit under the Board for promoting integrity management, reporting at least annually on its programs and oversight?	9	" To foster a culture of integrity, FEIB established the 'Integrity Promotion Task Force' under the Board. The Administrative Management Department enforces the Integrity Guidelines, while the Human Resources Department manages ethical codes and whistleblower procedures. " The task force reports to the Board annually. Directors fulfill their fiduciary duty by diligently overseeing business and financial matters to ensure integrity management.	None
(3) Has the bank formulated a conflict-of-interest policy, provided appropriate disclosure channels, and enforced avoidance measures?	9	" FEIB's Integrity Guidelines outline conflict-of interest controls. Board participants must disclose any personal interests and comply with recusal principles. " Employees must recuse themselves from processing cases involving themselves, spouses, or relatives within three degrees of kinship. Employees with close relatives in the bank must avoid conflicts of interest.	None
(4) Has the bank established sound accounting and internal control systems to implement integrity practices, and does the audit department review these based on risk assessment, or are CPAs engaged to audit?	9	é The Bank's accounting policies are based on generally accepted accounting principles. All financial statements are audited or reviewed by Deloitte & Touche in accordance with relevant regulations. é The audit unit have conduct unethical risk assessment for medium risk or above (inclusive).	None
(5) Does the bank regularly conduct internal and external integrity-related training?	9	" The Bank regularly provides educational training courses on operational integrity: Total participation in 2025: 2,521	None
3. Operation of Whistleblower Mechanisms
(1) Has the bank established a whistleblower reward policy, clear reporting channels, and designated investigators?	9	" Please refer to the "Labor-Management Agreements and Various Employee Interest Protection Measures" and "Policies of reporting, appealing and disciplinary actions" section on page 132 of this annual report".	None
(2) Are there SOPs for investigation, follow-up actions, and confidentiality?	9	Please refer to the "Labor-Management " Agreements and Various Employee Interest Protection Measures" and "Policies of reporting, appealing and disciplinary actions" section on page 132 of this annual report".	None
(3) Are whistleblowers protected from retaliation?	9	" Please refer to the "Labor-Management Agreements and Various Employee Interest Protection Measures" and "Policies of reporting, appealing and disciplinary actions" section on page 132of this annual report".	None

				Implementation Status	Deviations from "the
	Evaluation Item		Yes No	Summary description	Ethical Corporate Management Best Practice Principles for TWSE/TPEx Listed Companies" and Reasons
	4. Strengthening information disclosure Does the Bank disclose its ethical corporate management policies and the results of its implementation on the company's website and MOPS?	9		é FEIB discloses its integrity principles and implementation results on its official website.	None
	the policies and their implementation. No differences.			5. If the Bank has established the ethical corporate management policies based on the Ethical Corporate Management Best-Practice Principles for TWSE/TPEx Listed Companies, please describe any discrepancy between
6.				Other Key Information Supporting Integrity Practices (e.g., reviews and amends its policies): FEIB reviews and updates the Integrity Principles regularly, supporting corporate sustainability and culture.

(10) Other Corporate Governance Information

FEIB provides a 'Public Disclosure' section on its website, sharing operational info, dividends, stock prices, governance, and spokesperson info. To prevent insider trading, FEIB has an internal policy on related-party transactions and trading prevention. This is regularly reviewed for compliance. FEIB promotes internal equity disclosure education and achieved a top 5% rank in the 2025 Corporate Governance Evaluation for listed companies.

(11) Internal Control System

A. Statement of Internal Control system of FEIB

This information is available on the Market Observation Post System (MOPS) under the Taiwan Stock Exchange.

B. CPA Report

None

(12) Major Resolutions of Shareholders' Meeting and Board Meetings

A. Major resolutions of Shareholders' Meeting

Session	Date	Major resolutions	Execution
		2024 Business Report and Financial Statements	On August 15, 2025, the Board of Directors approved September 8, 2025, as the record
		2024 Earnings Distribution	date for the dividend distribution. A cash
2025		Capital Increase through Stock Dividends	dividend of NT\$0.5 per share was declared and subsequently distributed on the same date, September 8, 2025.
Shareholders' Meeting	May 22, 2025	Amendment to the Articles of Incorporation	Amendment to the Articles of Incorporation was registered with the Ministry of Economic
		Amendments to the Procedures for Acquisition or Disposal of Assets	Affairs on June 26, 2025, and published on the company website.
		Proposal for Private Placement of Common Shares, Preferred Shares, Convertible Bonds, or a Combination Thereof	The private placement plan is under evaluation and has not yet been executed.

B. Major Resolutions of Board Meetings

Session	Date	Major resolutions
		" Appropriation of employee and director compensation for 2024 " 2024 consolidated financial statements and parent-only financial statements
4th meeting of 12th Board of Directors	Mar. 4, 2025	" 2024 earnings distribution " Issuance of new shares through capitalization of shareholder dividends for 2024 Appointment of certifying CPAs for the 2025 financial statements and assessment of their " independence and qualifications Proposed private placement of common shares, preferred shares, convertible bonds, or a " combination thereof, with a total amount not exceeding NT\$10 billion or its equivalent in foreign currency " Amendments to the Articles of Incorporation " Revisions to the Code of Ethical Conduct " Convening the 2025 Annual General Meeting of Shareholders and determination of the meeting format, agenda, and timeline for shareholder proposals " Closure of Taipei Dadaocheng Branch " Organizational restructuring and changes in managerial personnel Revisions to the Regulations Governing Distribution of Employee Compensation " Revisions to the Employee Hiring Guidelines " Revisions to the Responsibility Map, including the Authority and Responsibility Allocation Table " and Internal Reporting Flowchart " Revisions to the Information Security Policy " Revisions to the Guidelines for Managing Risks Arising from International Sanctions " Establishment of the Securities Lending and Borrowing Management Guidelines " Revisions to Insurance Internal Control and Solicitation Procedures " Revisions to Credit Card Credit Granting Guidelines and Personal Loan Credit Granting
		Guidelines " Q1 2025 Consolidated Financial Statements
5th meeting of 12th Board of Directors	May. 5, 2025	" Capital increase through issuance of common shares " Changes in managerial personnel " Establishment of theȾFinancial Accessibility Service Guidelinesȿ Revisions to theȾMajor Contingency Reporting Guidelinesȿ " Revisions to theȾLiquidity Risk Management Guidelinesȿ " Revisions to theȾAuthorization Guidelines for Referral of Structured Products Related to " Foreign Exchangeȿ " Revisions to theȾPersonal Housing Loan Credit Granting Guidelinesȿ
6th meeting of 12th Board of Directors	Aug. 15, 2025	" H1 2025 Parent-only Financial Statements and Consolidated Financial Statements " Employee stock subscription plan for the capital increase " Changes and promotions of managerial personnel " Determination of the ex-dividend (ex-rights) date and capital increase record date for the 2024 earnings distribution plan " Renewal of leases for the Head Office, Business Department, and Dunhua South Branch premises " Revisions to theȾInsurance Internal Control and Solicitation Proceduresȿ Revisions to theȾInternal Management System for the Product Development DepartmentȽs " Investment Advisory Business on Foreign Securities (including offshore funds)ȿ
7th meeting of 12th Board of Directors	Oct. 23, 2025	Approval of the Hong Kong BranchȽs revised Recovery Planȿ "
8th meeting of 12th Board of Directors	Nov. 10, 2025	Changes in certifying CPAs for the 2025 financial statements and assessment of their " independence and qualifications Consolidated Financial Statements for the first three quarters of 2025 " " Establishment of theȾNomination Committeeȿ and adoption of the ȾOrganizational Charter of the Nomination Committeeȿ " Appointment of members of the Nomination Committee " Donation for post-disaster reconstruction of the MataiȽan Creek landslide-dammed lake in Hualien (2025) " Relocation of Taipei Yongji Branch " Extension of managerial appointments Establishment of theȾCorporate Value Enhancement Planȿ " Establishment of theȾArtificial Intelligence Governance Policyȿ " Revisions to the BankȽs internal control standard guidelines for proprietary bond trading " business conducted by its securities operations
9th meeting of 12th Board of Directors	Dec. 11, 2025	" Changes in the President and personnel of the Internal Audit Division

(13) Major Issues of Record or Written Statements Made by Any Director or Supervisor Dissenting to Important Resolutions Passed by the Board of Directors:

None.

3. Information on CPA audit fees

							Unit: NT\$ Thousands
Accounting Firm	Name of CPA		Audit Period	Audit Fees	Non-Audit Fees	Total	Remarks
Deloitte & Touche Chia-Huang	Hu	Chen-Hsiu Yang	2025	6,570	6,874	13,444	None

NoteㄆNon-audit fees include internal control review, credit scoring model project review, information security control assessment of electronic payment systems, personal data protection project review, AML/CFT consultation service, FATCA and CRS consultation service, and so on.

(1) Changed Accounting Firm with Less Audit Fee Paid Compared to the Previous Year: Not applicable.
(2) Audit fee Decreased Over 10% Compared to the Previous Year:

Not applicable.

4. Replacement of CPAs

(1) Regarding the former CPA

Replacement Date	Approved by the Board of Directors on November 10, 2025 Due to an internal job adjustment at Deloitte & Touche, the CPA was
Replacement reasons and explanations		changed from Chun-Hung Chen to Chia-Huang Hu starting from Q3 2025.
Describe whether the Company	Case	Parties	CPA	The Bank
terminated or the CPA did not accept the appointment		Termination of appointment	Not applicable	Not applicable
	appointment	No longer accepted (continued)	Not applicable	Not applicable
Other issues (except for unqualified issues) in the audit reports within the last two years			Not applicable
Differences with the company	Yes	Accounting principles or practices Financial report disclosure Auditing scope or procedure Others
	No		V
	Description
Other Revealed Matters (Matters that should be disclosed in accordance with Item 1-4, Subparagraph 6, Article 10 of these guidelines)			Not applicable

(2) Regarding the successor CPA

Name of accounting Firm	Deloitte & Touche
Name of CPA	Chia-Huang Hu
Date of appointment	Approved by the Board of Directors on November 10, 2025
Consultation results and opinions on accounting treatments or principles with respect to specified transactions and the company's financial reports that the CPA might issue prior to the engagement.	None
Succeeding CPA's written opinion of disagreement toward the former CPA	None

5. Chairman, President, and Managers in Charge of Finance or Accounting who Holds Any Position in the Bank's Independent Auditing Firm or Its Affiliates in Recent Years

None.

6. The Changes in Shareholding

(1) Article 11 of the "Guiding Principles Governing Directors, Managers or Their Related Parties, if Holding More Than Certain Percentage of the Same Bank's Shares with Voting Rights" Stipulates that Any Shareholding Changes to the Aforementioned Shareholders Shall Be Reported

For related information, please visit the Taiwan Stock Exchange's Market Observation Post System and search for stock code 2845. The inquiry path:

1. Ex-post Filing of Insiders Shareholding Change: Market Observation Post System Profiles Enter Stock Code Insiders' holding, pledging and transfer of shares Ex-post Filing of Insiders Shareholding Change (https://mops.twse.com.tw/mops/#/web/query6_1)
1. Announcement on the resolution of internal personnel disputes (for individual companies): Market Observation Post System > Single Company > Equity Change/Securities Issuance > Dissolution of Internal Personnel Pledge > Announcement of Dissolution of Internal Personnel Pledge (https://mopsov.twse.com.tw/mops/web/STAMAK03_1)
1. List of directors, supervisors, managers, and principal shareholders transferring a million shares or more : Market Observation Post System Summaries Summary table of Changes in Shareholding of Directors and Supervisors List of directors, supervisors, managers, and principal shareholders transferring a million shares or more (https://mops.twse.com.tw/mops/#/web/t142sb01)
1. List of directors and supervisors pledging a million shares or more: Market Observation Post System Summaries Summary table of Changes in Shareholding of Directors and Supervisors List of directors and supervisors pledging a million shares or more (https://mops.twse.com.tw/mops/#/web/t142sb02)
(2) Shares Trading with Related Parties:

No equity interests were transferred to/from related parties; thus, it is not applicable.

(3) Shares Pledge with Related Parties:

The counterparties of equity pledge are not related parties; thus, it is not applicable.

7. Relationship among the Top Ten Shareholders

Unit: share; %								March 24, 2026
Name	Current Shareholding		Spouse & Minor Shareholding		Shareholding by Nominee Arrangement		Name and Relationship Between the Company's Top Ten Shareholders, or Spouses or Relatives Within Two Degrees of Kinship		Remarks
	Shares	%	Shares	%	Shares	%	Name	Relationship (Note)
Yu Yuan Investment Co., Ltd. Representative: Doris. WU	230,361,125	4.73%	-	-	-	-	Yuan Ding Investment Co., Ltd. Asia Investment Corp. Der Ching Investment Corp.	(2) (3) (3)	-
FEIB is Special Account for trust property of Far Eastern International Bank employee in custody of FEIB	209,662,747	4.31%	-	-	-	-	-	-	-
Yue Li Investment Corp. Representative: Tsung-Liang Chang	204,017,967	4.19%	-	-	-	-	-	-	-
Asia Investment Corp. Representative: Doris. WU	187,330,271	3.85%	-	-	-	-	Yuan Ding Investment Co., Ltd. Der Ching Investment Corp. Yuan Ding Investment Co., Ltd.	(3) (3) (3)	-
Der Ching Investment Corp. Representative: Doris. WU	187,307,735	3.85%	-	-	-		- Yu Yuan Investment Co., Ltd. Asia Investment Corp.	(3) (2)	-
Yuan Ding Investment Co., Ltd. Representative: Douglas Tong Hsu	165,504,561	3.40%	-	-	-	-	Yu Yuan Investment Co., Ltd. Asia Investment Corp. Der Ching Investment Corp. Far Eastern New Century Corp.	(1) (3) (3) (3)	-
Kai Yuan International Investment Co., Ltd. Representative: Humphrey Cheng	149,306,133	3.07%	-	-	-		- Far Eastern New Century Corp.	(2)	-
Yuan Tong Investment Co., Ltd. Representative: David Wang	149,007,281	3.06%	-	-	-		- Far Eastern New Century Corp.	(2)	-
Ding Yuan International Investment Corp. Representative: Alan Tsai	122,982,650	2.53%	-	-	-	-	Far Eastern New Century Corp.	(2)	-
Far Eastern New Century Corp. Representative: Douglas Tong Hsu	121,653,729	2.50%	-	-	-	-	Yuan Ding Investment Co., Ltd. Kai Yuan International Investment Co., Yuan Tong Investment Co., Ltd. Ding Yuan International Investment Corp.	(3) (1) (1) (1)

Note: Relationship code (1): Invested Company assessed by equity method

Relationship code (2): Investors who evaluate the company's investment using the equity method

Relationship code (3): The Chairperson or President of the companies is the same person, or Spouses or Relatives Within Two Degrees of Kinship

8. Shareholding in Affiliated Enterprises

Unit: share; %					December 31, 2025
Affiliated Enterprises (Note 1)	Shareholding by FEIB		Direct or Indirect Shareholding by Directors and Managers		Total Shareholding
	share	%	share	%	share	%
Far Eastern Asset Management Corp.	168,400,000	100.00%	-	-	168,400,000	100.00%
Far Eastern International Securities Company Ltd.	26,000,000	100.00%	-	-	26,000,000	100.00%
DWS Far Eastern Investments Limited	12,000,000	40.00%	-	-	12,000,000	40.00%
DAH CHUNG BILLS FINANCE CORP.	143,480,102	29.58%	34,959	0.0001%	143,515,061	29.58%
Financial Information Service Co.,Ltd.	8,490,982	1.14%	-	-	8,490,982	1.14%
Taipei Forex Inc.	80,000	0.40%	-	-	80,000	0.40%
Sunny Asset Management Corporation	207,304	3.46%	-	-	207,304	3.46%

Note 1: Investments under Bank Articles 74

III. Fund Raising Activities

1. Capital and Shares

(1) Sources of Capital

A. Issued Shares

Unit: share, NT\$ million March 31, 2026

Month/ Year	Issuing price	Authorized Capital		Paid-in Capital			Remarks
	(NTD)	Shares	Amount	Shares	Amount	Source	Others
Founded in 1992	10	1,000,000,000	10,000	1,000,000,000		10,000 Public offering	Tai-Tsai-Rong-No.801625101(Aug.1, 1991)
Oct 1995	10	25,000,000	250	25,000,000		250 Retained earnings	(84)Tai-Tsai-Cheng(1) No.49420(Sep.4, 1995)
Jul 1996	10	29,750,000	297	28,700,000 1,050,000	287 10	Retained earnings Employee bonus	(85)Tai-Tsai-Cheng(1) No.41665 (Jul.6, 1996)
Aug 1997	15 10	135,250,000	1,353	99,170,000 34,806,750 1,273,250	992 348 13	Rights offering Retained earnings Employee bonus	(86)Tai-Tsai-Cheng(1) No.53095(Jul.25,1997) (86)Tai-Tsai-Cheng(1) No. 60585(Jul.30,1997)
Aug 1998	12.5 10 10 10	211,023,500	2,110	150,000,000 41,650,000 1,523,500 17,850,000	1,500 416 15 179	Rights offering Retained earnings Employee bonus Capital reserve	(87)Tai-Tsai-Cheng(1) No.59533(Jul.21,1998)
Jul 1999	10	78,696,500	787	44,832,752 1,640,208 26,619,446 5,604,094	448 17 266 56	Retained earnings Employee bonus Capital reserve Special reserve	(88)Tai-Tsai-Cheng(1) No.57434(Jun.23,1999)
Jul 2000	10 10 10	45,095,400	451	19,236,360 703,800 22,195,800 2,959,440	192 7 222 30	Retained earnings Employee bonus Capital reserve Special reserve	(89)Tai-Tsai-Cheng(1) No.56443 (Jun.30, 2000)
Jul 2003	10	475,184,600	4,752			New authorized capital	Jing-Shou-Shang Tze No. 09201231510(Jul 28, 2003)
Aug 2004	10 10			10,407,594 (26,579,000)	104 (266)	ECB Conversion Treasury stock cancellation	Jing-Shou-Shang Tze No. 09301158130(Aug 23, 2004)
Mar 2005	10			78,056,834		781 ECB Conversion	Jing-Shou-Shang Tze No. 09401042910(Mar 29, 2005)
Jun 2005	10			47,914,226		479 ECB Conversion	Jing-Shou-Shang Tze No. 09401103960(Jun 14, 2005)
Jul 2005	10			102,854,595 6,707,909	1,029 67	Retained earnings Employee bonus	Jin-Kuan-Cheng(1)No.0940122142 (Jun. 9, 2005)
Aug 2005	10			4,958,329		50 ECB Conversion	Jing-Shou-Shang Tze No. 09401173340(Sep 13, 2005)
Nov 2005	10			37,038,723		370 ECB Conversion	Jing-Shou-Shang Tze No. 09401226730(Nov 14, 2005)
Mar 2006	10			5,075,280		51 ECB Conversion	Jing-Shou-Shang Tze No. 09501068660(Apr 14, 2006)
Sep 2006	10			64,094,041 4,180,047 18,312,584	641 42 183	Retained earnings Employee bonus Capital reserve	Jin-Kuan-Cheng(1)No.0950132205 (Jul. 31, 2006)
Mar 2007	10			215,969		2 ECB Conversion	Jing-Shou-Shang Tze No. 09601073730(Apr 13, 2007)
Jun 2007	10	500,000,000	5,000			New authorized capital	Jing-Shou-Shang Tze No. 09601152250(Jul 4, 2007)

	Issuing	Authorized Capital		Paid-in Capital			Remarks
Month/ Year	price (NTD)	Shares	Amount	Shares	Amount	Source	Others
Jun 2007	10			647,907		6 ECB Conversion	Jing-Shou-Shang Tze No. 09601152250(Jul 19, 2007)
Dec 2007	10			1,079,849		11 ECB Conversion	Jing-Shou-Shang Tze No. 09601322290(Jan 4, 2008)
Jun 2008	10	1,000,000,000	10,000			New authorized capital	Jing-Shou-Shang Tze No. 09701146020(Jun 27, 2008)
Dec 2008	6.5 (Note)			461,538,000		4,615 Rights offering	Jing-Shou-Shang Tze No. 09801009420(Jan 17, 2009)
Jun 2009	10	1,000,000,000	10,000			New authorized capital	Jing-Shou-Shang Tze No. 09801132000(Jun 26, 2009)
Jun 2009	10			(407,520,824)		(4,075) Capital Deduction	Jin-Kuan-Cheng No.0980031255 (Jun. 30, 2009)
Jul 2010	10			67,489,532 5,861,971	675 59	Retained earnings Employee bonus	Jin-Kuan-Cheng No.0990038736 (Jul. 30, 2010)
Jul 2011	10			103,368,172 8,043,315	1,034 80	Retained earnings Employee bonus	Jin-Kuan-Cheng No.1000033885 (Jul. 27, 2011)
Aug 2012	10			113,131,129 10,568,089	1,131 106	Retained earnings Employee bonus	Jin-Kuan-Cheng No.1010036357 (Aug. 24, 2012)
Jul 2013	10			110,543,402 9,315,191	1,105 93	Retained earnings Employee bonus	Jin-Kuan-Cheng No.1020028949 (Jul. 31, 2013)
Jan 2014	11.25			365,000,000		3,650 Rights offering	Jin-Kuan-Cheng No.1020046424 (Nov. 26, 2013) Jin-Kuan-Cheng No.1030002514 (Jan. 23, 2014)
Jul 2014	10			122,447,610 12,260,455	1,224 123	Retained earnings Employee bonus	Jin-Kuan-Cheng No.1030026505 (Jul. 18, 2014)
Aug 2015	10			153,680,074 17,736,559	1,537 177	Retained earnings Employee bonus	Jin-Kuan-Cheng No.1040026417(Aug. 3, 2015)
Sep 2016	10			60,664,859 17,459,348	607 175	Retained earnings Employee bonus	Jing-Shou-Shang Tze No. 10501227730(Sep 22, 2016)
Sep 2017	10			71,561,445		716 Retained earnings	Jing-Shou-Shang Tze No. 10601133330(Sep 18, 2017)
Sep 2018	10			86,257,365		863 Retained earnings	Jing-Shou-Shang Tze No. 10701121570(Sep 19, 2018)
Sep 2019	10			86,633,428		866 Retained earnings	Jing-Shou-Shang Tze No. 10801129280(Sep 20, 2019)
Jul 2020	10	1,000,000,000	10,000			New authorized capital	Jing-Shou-Shang Tze No. 10901113300(Jul 7, 2020)
Sep 2020	10			92,285,034		923 Retained earnings	Jing-Shou-Shang Tze No. 10901178360(Sep 24, 2020)
Oct 2021	10			65,858,795		659 Retained earnings	Jing-Shou-Shang Tze No. 11001183160(Oct. 13, 2021)
Sep 2022	10			55,520,619		555 Retained earnings	Jing-Shou-Shang Tze No. 11101184080(Sep 26, 2022)
Oct 2022	9.62			500,000,000		5,000 Rights offering	Jin-Kuan-Cheng No.1110349761 (Jul. 29, 2022)
Sep 2024	10			205,915,883		2,059 Retained earnings	Jing-Shou-Shang Tze No. 11330167480(Sep 20, 2024)
Jun 2025	10	1,000,000,000	10,000			New authorized capital	Jing-Shou-Shang Tze No. 11430081110(Jun 23, 2025)
Sep 2025	11.06			483,000,000		4,830 Rights offering	Jin-Kuan-Cheng No.1140351444 (Aug. 1, 2025)
Oct 2025	10			106,884,993		1,069 Retained earnings	Jing-Shou-Shang Tze No. 11430152240(Oct 13, 2025)
Total		6,500,000,000 65,000 4,865,284,731			48,653

Note: The offering price was NT\$6.5 per share for the private placement.

B. Authorized Capital

				March 31, 2026
Share Type		Remarks
	Outstanding	Unissued	Total
Common Shares	4,865,284,731 Shares		1,634,715,269 Shares 6,500,000,000 Shares	Listed shares

(2) Major Shareholders

Unit: shares		March 24, 2026
Shareholding Shareholder's Name	Number of Shares	Percentage
Yu Yuan Investment Co., Ltd.	230,361,125	4.73%
Special Account for trust property of Far Eastern International Bank employee in custody of FEIB	209,662,747	4.31%
Yue Li Investment Corp.	204,017,967	4.19%
Asia Investment Corp.	187,330,271	3.85%
Der Ching Investment Corp.	187,307,735	3.85%
Yuan Ding Investment Co., Ltd.	165,504,561	3.40%
Kai Yuan International Investment Co., Ltd.	149,306,133	3.07%
Yuan Tong Investment Co., Ltd.	149,007,281	3.06%
Ding Yuan International Investment Corp.	122,982,650	2.53%
Far Eastern New Century Corp.	121,653,729	2.50%

Note: Listed above are the Bank's top ten shareholders.

(3) Dividend Policy and Implementation Status

A. Dividend Policy

In case of surplus after settlement of accounts for each fiscal year, the Bank shall recover all the losses incurred in the previous years, if any, before setting aside a legal reserve of 30% of the net profit and appropriating, according to law and regulations, a special reserve shall be retained, and shall first be distributed to the dividends of Preferred Stock. The remaining amount together with the accumulated retained profits of the last year and the reversals of special reserves are available for distribution as dividends for Common Stock. The dividends for Common Stock shall be distributed at least 30% of the remaining amount. The Board of Directors shall prepare the earnings distribution in accordance with the existing circumstances at the time, taking into account the future development plan of the Bank. Any allocation of cash dividend shall, in principle, be no less than 10% of the total dividends to be distributed that year.

Before the above-mentioned legal reserve reaches the amount of total paid-in capital, the maximum appropriation of cash dividends shall not exceed 15% of the total paidin capital.

B. Proposed Distribution of Dividend

The cash dividend of NT\$0.5140 per share, and the stock dividend of NT\$0.1195 per share (11.95 shares for every thousand shares). Combined, the Bank was to pay out NT\$ 0.6335 per common share in dividends.

(4) Impact of Stock Dividends on Operating Results, Earnings per Share and Shareholders' Return on Investment:

			Unit: NT\$ Thousands
Item		Year	Year 2026 (Forecast)
Beginning paid-in capital			48,652,847
Dividends	Cash dividends per share (NT\$)		0.5140 (Note1)
distribution	Stock dividends per share, from earnings distribution (number of shares) Stock dividends per share, from capital surplus (number of shares)	0.01195 (Note1) - (Note1)
	Operating profit
	Increase (decrease) % of operating profit from last year
	Net income
Change in business	Increase (decrease) % of net income from last year
results	Earnings per share (EPS)炷with retroactive adjustment炸
	Increase (decrease) % of EPS from last year
	Annually averaged return on investment%Ȑreverse of annually averaged price-earnings (P/E) ratioȑ	Not applicable
Pro forma	If stock dividends from earning is paid fully by cash dividends	Pro forma earnings per share(EPS) Pro forma annually averaged return on investment	(Note2)
Earnings per		Pro forma earnings per share(EPS)
share (EPS) and price earnings	If no stock dividends from capital surplus	Pro forma annually averaged return on investment
(P/E) ratio	If stock dividends from capital surplus	Pro forma earnings per share(EPS)
	and from earnings are paid fully by cash dividends	Pro forma annually averaged return on investment

Note1: By board resolution on March 2, 2026, cash dividends of NT\$0.5140 and stock dividends of NT\$0.1195 were approved for distribution, where the actual distribution is subject to resolution at 2026 shareholders' meeting.

Note2ǺThe Bank's 2026 financial forecast is not disclosed to public; hence the info is not available.

(5) Remuneration for Employees and Directors

A. Percentage or scope of employees' compensation, remuneration of directors and supervisors in the Articles of Incorporation:

If there be net income before income tax, remuneration of directors and employees' compensation, the Bank should retain a remuneration of directors no greater than 1.5% and an employees' compensation of 3.5%-4.5%, with no less than 25% of the employees' compensation reserved for non-executive employees. Should there be accumulated loss, the Bank shall retain earnings to cover the loss in advance. Employees' compensation may be distributed in the form of stocks or in cash. The amount distributable as employees' compensation and remuneration of directors shall be decided by a resolution adopted by a majority vote at a meeting of board of directors attended by two-thirds of the total number of directors; and in addition, thereto a report of such distribution shall be submitted to the shareholders' meeting.

B. For Employees' Compensation and Remuneration of Directors, the Accounting Treatment for Discrepancy between Estimated Amount and Actual Payment:

The estimated amount for employees' compensation and remuneration of directors in this period is based on the net income before income tax and the Bank's Articles of Incorporation. If there is a change in the amounts after the financial statements for the year ended were authorized for issue, the differences are recorded as a change in the accounting estimate.

C. Board of Directors Approved Proposals for the Allocation of Employees' Compensation and Remuneration of Directors:
(a) Allocation of employee cash compensation, employee stock compensation, and the amount for remuneration of directors: Employee cash compensation is NT\$ 189,675 (thousand), employee stock compensation is zero per share and the amount for remuneration of directors is NT\$ 63,389 (thousand). There was no difference between the actual amounts of employees' compensation and remuneration of directors paid and the amounts recognized in the financial statements for the year ended.
(b) The ratio of the employees' stock compensation to the net income after income tax in the unconsolidated financial report for the current period and the total amount of employees' compensation: Not Applicable
D. Actual Remuneration Distribution for Previous Year:
(a) 2024 Employee cash remuneration: NT\$197,473 (thousand); Employee stock remuneration: 0 shares; Director remuneration: NT\$65,824 (thousand).
(b) Consistent with previously approved amounts.
(6) Repurchase of Bank Shares

2025: None.

As of March 31, 2026: None.

To maintain capital adequacy ratio and the medium-term to long-term working capital, the Bank had applied and obtained approval from the Financial Supervisory Commission to issue bank debentures. The outstanding balances of bank debentures as of December 31, 2025 are summarized as follows:

Types of bank debentures	1st perpetual non-cumulative unsecured subordinated debenture in 2018	2nd subordinated bank debenture (A tranch) in 2019
Date and serial No. approved		FSC No. 10701213730, December 19,
by authority	FSC No. 10702142020, July 20, 2018	2018
Issuing date	September 18, 2018	July 30, 2019
Face value	NT\$ 10 million	NT\$ 10 million
Issuing and trading	ROC	ROC
Currency	New Taiwan dollar	New Taiwan dollar
Issuing price	At par value	At par value
Total amount	NT\$2.9 billion	NT\$ 2 billion
Coupon	Fixed interest rate at 3.2% per annum	Fixed interest rate at 1.15% per annum
Maturity	Prepetural (issuer with call right)	7 years from the issue date. Maturity on July 30, 2026
Rank	Senior to the right on distribution of remaining property for shareholders, and junior to those for holders of Tier II capital instruments, depositors and other general creditors to the Bank.	Subordinated
Guarantor	None	None
Trustee	None	None
Underwriter	KGI securities and Master Link securities	Yuanta securities, KGI securities, Cathay securities and Capital securities
Certified lawyer	None	None
Certified CPA	Deloitte & Touche	Deloitte & Touche
Certified financial institution	None	None
Repayment	By self-owned capital or refinancing bank debentures	By self-owned capital or refinancing bank debentures
Outstanding balance	NT\$ 2.9 billion	NT\$ 2 billion
Paid-in capital in the previous year	NT\$31,829,286 (thousand)	NT\$32,691,859 (thousand)
Net book value on the date of balance sheet in the previous fiscal year	NT\$41,389,366 (thousand)	NT\$43,273,606 (thousand)
Default status	Normal	Normal
The terms and conditions for redemption or early liquidation	FEIB may redeem the debts in whole at their aggregate principal amount, together with any interest payment five years after the issuing date subject to regulators' approval, provided that the bank's post-redemption BIS is above legal requirement.	None
Conditions for conversion or exchange	None	None

Types of bank debentures	1st perpetual non-cumulative unsecured	2nd subordinated bank debenture
	subordinated debenture in 2018	(A tranch) in 2019
Restrictive terms	The bank may not pay interest if there is no earnings and dividends in previous year (including cash and stock dividends ); however, this restriction does not apply in circumstances where the balance of cumulative undistributed earnings less amortized losses on sale of non-performing loans is greater than the amount of payable interest, and provided that the payment results in no changes to the terms of interest. Non- payment of interest due to the above will not be accumulated or deferred in later periods. The bank shall defer interest and principal payments in situations where its capital adequacy ratio fails to meet the minimum level specified in Article 5, Paragraph 1 of the Regulations Governing the Capital Adequacy and Capital Category of Banks; in which case, deferred interest may not accrue any late	None
	interest. To finance the Bank's long term funding	To finance the Bank's long term funding
Use of proceeds	needs and enhance the Bank's capital structure for support of future growth of loans and investments.	needs and enhance the Bank's capital structure for support of future growth of loans and investments.
The total amount of the issuance and outstanding bonds in the percentage of the book value of previous year (%)	43.49%	45.06%
Eligible capital and type	Tier I	Tier II
Name of rating agency, issue date, and the rating	"A(twn)" issued by Fitch Ratings, Taiwan Branch on July 2, 2018.	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on May 24, 2019.

Types of bank debentures	2nd subordinated bank debenture	1st subordinated bank debenture
	(B tranch) in 2019	in 2020
Date and serial No. approved by authority	FSC No. 10701213730, December 19, 2018	FSC No. 1090137015, May 15, 2020
Issuing date	July 30, 2019	November 26, 2020
Face value	NT\$ 10 million	NT\$ 10 million
Issuing and trading	ROC	ROC
Currency	New Taiwan dollar	New Taiwan dollar
Issuing price	At par value	At par value
Total amount	NT\$ 2 billion	NT\$ 1.6 billion
Coupon	Fixed interest rate at 1.25% per annum	Fixed interest rate at 0.75% per annum
Maturity	5 years from the issue date. Maturity on July 30, 2029	7 years from the issue date. Maturity on November 26, 2027
Rank	Subordinated	Subordinated
Guarantor	None	None
Trustee	None	None
Underwriter	Yuanta securities, KGI securities, Master Link and Capital securities	Yuanta securities, KGI securities and Master Link securities
Certified lawyer	None	None
Certified CPA	Deloitte & Touche	Deloitte & Touche
Certified financial institution	None	None
Repayment	By self-owned capital or refinancing bank debentures	By self-owned capital or refinancing bank debentures
Outstanding balance	NT\$ 2 billion	NT\$ 1.6 billion
Paid-in capital in the previous year	NT\$32,691,859 (thousand)	NT\$33,558,193 (thousand)
Net book value on the date of balance sheet in the previous fiscal year	NT\$43,273,606 (thousand)	NT\$45,713,890 (thousand)
Default status	Normal	Normal
The terms and conditions for redemption or early liquidation	None	None
Conditions for conversion or exchange	None	None
Restrictive terms	None	None
Use of proceeds	To finance the Bank's long term funding needs and enhance the Bank's capital structure for support of future growth of loans and investments.	To finance the Bank's long term funding needs and enhance the Bank's capital structure for support of future growth of loans and investments.
The total amount of the issuance and outstanding bonds in the percentage of the book value of previous year (%)	49.68%	49.44%
Eligible capital and type	Tier II	Tier II
Name of rating agency, issue date, and the rating	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on May 24, 2019.	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on May 12, 2020.

Types of bank debentures	1st subordinated bank debenture in 1st senior unsecured financial debenture 2021 (A tranch) in 2024
Date and serial No. approved by authority	FSC No. 1090137015, May 15, 2020	FSC No. 1110139692, June 20, 2022
Issuing date	April, 27, 2021	October 24, 2024
Face value	NT\$ 10 million	NT\$ 10 million
Issuing and trading	ROC	ROC
Currency	New Taiwan dollar	New Taiwan dollar
Issuing price	At par value	At par value
Total amount	NT\$ 2.4 billion	NT\$5.0 billion
Coupon	Fixed interest rate at 0.83% per annum Fixed interest rate at 1.95% per annum
Maturity	7 years from the issue date. Maturity on April 27, 2028	5 years from the issue date. Maturity on October 24, 2029
Rank	Subordinated	Senior bond
Guarantor	None	None
Trustee	None	None
Underwriter	Master Link securities, KGI securities and Cathay securities	Yuanta securities, KGI securities, Master Link securities, SinoPac Securities and Mega securities
Certified lawyer	None	None
Certified CPA	Deloitte & Touche	Deloitte & Touche
Certified financial institution	None	None
Repayment	By self-owned capital or refinancing bank debentures	By self-owned capital or refinancing bank debentures
Outstanding balance	NT\$ 2.4 billion	NT\$ 5.0 billion
Paid-in capital in the previous year	NT\$34,481,044 (thousand)	NT\$40,694,838 (thousand)
Net book value on the date of balance sheet in the previous fiscal year	NT\$47,619,623 (thousand)	NT\$56,815,654 (thousand)
Default status	Normal	Normal
The terms and conditions for redemption or early liquidation	None	None
Conditions for conversion or exchange	None	None
Restrictive terms	None	None
Use of proceeds	To finance the Bank's long term funding needs and enhance the Bank's capital structure for support of future growth of loans and investments.	To finance the Bank's long term funding needs for support of future growth of loans and investments.
The total amount of the issuance and outstanding bonds in the percentage of the book value of previous year (%)	50.19%	29.75%
Eligible capital and type	Tier II	None
Name of rating agency, issue date, and the rating	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on May 12, 2020.	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on April 8, 2024.

	1st senior unsecured financial	1st senior unsecured financial debenture
Types of bank debentures	debenture (B tranch) in 2024	in 2025
Date and serial No. approved	FSC No. 1110139692, June 20, 2022	FSC No. 10701213730, December 19,
by authority		2018
Issuing date	October 24, 2024	March 20, 2025
Face value	NT\$ 10 million	NT\$ 10 million
Issuing and trading	ROC	ROC
Currency	New Taiwan dollar	New Taiwan dollar
Issuing price	At par value	At par value
Total amount	NT\$1.0 billion	NT\$6.0 billion
Coupon	Fixed interest rate at 2.00% per annum	Fixed interest rate at 2.00% per annum
Maturity	7 years from the issue date. Maturity on October 24, 2031	5 years from the issue date. Maturity on March 20, 2030
Rank	Senior bond	Senior bond
Guarantor	None	None
Trustee	None	None
Underwriter	KGI securities	KGI securities, Hua Nan Securities, Yuanta Securities, Mega Securities, MasterLink Securities, Fubon Securities, Cathay Securities and Capital Securities
Certified lawyer	None	None
Certified CPA	Deloitte & Touche	Deloitte & Touche
Certified financial institution	None	None
Repayment	By self-owned capital or refinancing bank debentures	By self-owned capital or refinancing bank debentures
Outstanding balance	NT\$ 1.0 billion	NT\$ 6.0 billion
Paid-in capital in the previous year	NT\$40,694,838 (thousand)	NT\$42,753,997(thousand)
Net book value on the date of balance sheet in the previous fiscal year	NT\$56,815,654 (thousand)	NT\$56,815,654 (thousand)
Default status	Normal	Normal
The terms and conditions for redemption or early liquidation	None	None
Conditions for conversion or exchange	None	None
Restrictive terms	None	None
Use of proceeds	To finance the Bank's long term funding needs for support of future growth of loans and investments.	To finance the Bank's long term funding needs for support of future growth of loans and investments.
The total amount of the issuance and outstanding bonds in the percentage of the book value of previous year (%)	29.75%	40.31%
Eligible capital and type	None	None
Name of rating agency, issue date, and the rating	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on April 8, 2024.	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on April 8, 2024.

Types of bank debentures	2nd subordinated bank debenture in 2025
Date and serial No. approved	FSC No.1130146300, October 7, 2024
by authority
Issuing date	September 18, 2025
Face value	NT\$ 10 million
Issuing and trading	ROC
Currency	New Taiwan dollar
Issuing price	At par value
Total amount	NT\$2.4 billion
Coupon	Fixed interest rate at 2.35% per annum
Maturity	7 years from the issue date. Maturity on September 18, 2032
Rank	Subordinated
Guarantor	None
Trustee	None
Underwriter	MasterLink Securities, KGI securities, Fubon Securities and Yuanta Securities
Certified lawyer	None
Certified CPA	Deloitte & Touche
Certified financial institution	None
Repayment	By self-owned capital or refinancing bank debentures
Outstanding balance	NT\$ 2.4 billion
Paid-in capital in the previous	NT\$42,753,997 (thousand)
year
Net book value on the date	NT\$59,112,089 (thousand)
of balance sheet in the
previous fiscal year
Default status	Normal
The terms and conditions for	None
redemption or early liquidation
Conditions for conversion or	None
exchange
Restrictive terms	None
	To finance the Bank's long term funding needs and enhance the Bank's capital
Use of proceeds	structure for support of future growth of loans and investments.
The total amount of the	42.80%
issuance and outstanding
bonds in the percentage of
the book value of previous
year (%)
Eligible capital and type	Tier II
Name of rating agency, issue date, and the rating	"A+(twn)" issued by Fitch Ratings, Taiwan Branch on July 3, 2025.

3. Issuance of Preferred Stock

None.

4. Issuance of Global Depository Receipts

Item		Date of Issue	Jan. 28, 2014
Date of Issue			Jan. 28, 2014
Issuance and Listing			Luxembourg Stock Exchange
Total Amount			US\$135,050,000
Issue Price per GDR			US\$7.4
Total units issued			1.The original issue of 18,250,000 units. 2. The total number of depositary receipts was 18,431,582 units as of March 31, 2026.
	Type of underlying securities		The Bank's newly issued common shares
	Amount of underlying securities		368,631,718 shares
	Rights and obligations of subscribers		Same as common shareholders
Trustee			None
Depositary Bank			Citibank N.A.
Custodian Bank			Citibank Taiwan
	Number of outstanding units		238,051 units(As of March 31, 2026)
and holding period	Bearers of related charges incurred during issuance		Shall be borne by the Bank
	Key Provisions in Deposit/Custodian Agreements		None
		Highest	US\$9.122
	2025	Lowest	US\$6.976
Market		Average	US\$8.267
Price		Highest	US\$8.300
per unit	As of March 31, 2026	Lowest	US\$7.700
		Average	US\$7.941

5. Issuance of Employee Stock Options

None.

6. Issuance of New Restricted Shares to Employee

None.

7. Mergers and Acquisitions

(1) Any Opinions by Accountants that Should Be Disclosed Regarding the Reasonable Share Swap Ratio in Last Year

Not applicable.

(2) Past 5-Year M&A or Business Transfers:
A. As of December 31, 2022, the bank assumed unfinished operations from Yuan Hsin Electronic Payment Co., including card refunds, stored-value returns, declaration filings, and data retention.
B. No new shares were issued; therefore, underwriter assessment opinions are not required.
(3) Where an Unlisted Financial Institution was Merged or Acquired by Way of New Share Issuance, the Lead Underwriter's Evaluation and Opinions Must Be Disclosed Not applicable.
(4) In the Most Recent Financial Year and Up to the Printing of This Annual Report, Disclosure of the Basic Data of Mergers & Acquisitions or Sale of Other Financial Institutions in which the Board of Directors Has Approved Such M&A or Sale Involving the Issuance of New Shares:

Not applicable.

8. The Execution of Fund Utilization Plan

(1) Contents of the Plan

In attempt to increase capital adequacy ratio and finance long term funding needs, continually submitted a debt issuance plan to the competent authority.

(2) Implementation Description

Subject	Use of proceeds	The condition of execution	The comparison of the results with the desired- results	The date of the material information announced in MOPS
The Board approved the issuing plan of senior unsecured financial debentures up to NT\$ 6 billion.	To finance the Bank's long term funding needs.	The issue of senior unsecured financial debenture NT\$6 billion on March 20, 2025.	The outcome achieved the desired results.	March 20, 2025
The Board approved the issuing plan of subordinated debentures up to NT\$ 4 billion.	To enhance the Bank's BIS% and finance the Bank's long term funding needs.	The issue of subordinated bank debenture NT\$2.4 billion on September 18, 2025.	The outcome achieved the desired results.	September 18, 2025

IV. Operation Highlights

1. Business Activities

(1) Business Scope

A. Core-business
(a) Retail Banking
- Wealth Management: Offering diversified wealth management products aligned with market trends; providing optimal asset allocation based on customers' risk profiles; and expanding assets under management.
- Consumer Banking and Credit Cards: Offering products such as mortgages, personal loans, auto loans, consumer finance (installment loans), and credit cards; managing product planning, marketing, sales, and administrative operations.
- Insurance Agency Services: Promoting bancassurance business and collaborating with leading insurance companies to provide diversified insurance products and wealth management services that meet clients' protection needs.
- Trust Business: Providing various trust services, custody services, securities certification, bond issuance trustee services, and related operations.
(b) Corporate Banking:

Targeting domestic and international mainstream enterprises as its primary market. It provides integrated financial solutions to meet clients' financing, cash management, and interest rate and foreign exchange hedging needs. Core corporate banking services include deposits, loans, foreign exchange (remittances, import and export services), accounts receivable financing, digital banking, supply chain finance, financial hedging, and structured products.

Covering fixed income, foreign exchange, equities, credit, and derivative products; offering treasury solutions in foreign exchange (FX spot/forward/option/swap), interest rates (cross-currency swaps and interest rate swaps), and commodity derivatives (forwards and options), as well as structured products; promoting FX margin trading, fixed income instruments, and asset swaps; and executing TWD and foreign currency funding and asset management policies established by the Asset and Liability Management Committee (ALCO) for asset/liability allocation, liquidity risk management, and interest rate risk management.

(d) AI & Digital Banking:

Leveraging AI technology to drive deep transformation and convert digital advantages into core competitiveness. It leads the strategic planning and practical implementation of the Bank's comprehensive AI-driven digital transformation by establishing an AI governance framework and accelerating process and workforce optimization. By deeply integrating the Bankee community banking brand, the Group drives the expansion of a cross-industry digital finance ecosystem through BaaP/BaaS applications, innovative business model design, and forward-looking product R&D. Furthermore, it has built an AI-centric fraud detection system to support precision anti-fraud initiatives and safeguard financial transaction security.

	Weightings to Net Revenue	Growth Rate
BU	2024	2025	(YoY)
Retail Banking	48.64%	47.99%	5%
Corporate Banking	34.54%	31.37%	-3%
Financial Market	15.76%	19.08%	29%
AI & Digital Banking	1.06%	1.56%	57%

B. Weightings to Net Revenue and Changes YOY of the Respective Business Units

(2) Business Plan for 2025

A. Retail Banking

(a) WM Branding: Leveraging the "Ten Happiness" brand, promoting products, services, and brand image through integrated Group resources and exclusive VIP privilege programs. Co-hosting the 8th Senior Wealth Management Academy with Yuan Ze University and, for the 16th consecutive year, partnering with Shangri-La Far Eastern Plaza Hotel, Taipei to host the annual VIP Michelin Night. Launching the inaugural Ten Happiness Scholarship with World Vision Taiwan to support outstanding university students. Expanding customer acquisition and brand value through the "XiaoYuan Wins" YouTube channel and "Wealth Without Limits" podcast.
(b) Digital Innovation: Continuing collaboration with the Group's HG Pay and major payment wallets to offer mobile payment benefits for Far Eastern Bank credit cards. Optimizing the official website, online banking, and mobile banking platforms, while enhancing digital application functions and simplifying application processes to increase digital platform usage.
(c) Trust Business: Integrating internal and external resources to actively promote elderly care trusts and employee welfare trusts. Partnering with accounting firms, law offices, and expert teams to provide tailored and comprehensive trust services. Securing first place in the FSC Trust 2.0 Program evaluation for the Annuity Trust Award in Group B for the fourth consecutive year, while maintaining leadership in trust services through 2026.
(d) Deposits: Strengthening and optimizing the deposit structure by increasing domestic and foreign currency demand deposits, reducing funding costs, and enhancing the proportion of natural person deposits to improve deposit stability. Collaborating with Oriental Securities to jointly promote business and attract demand deposits through convenient digital account-opening services.
(e) Mortgage: Prioritizing spread consolidation, strengthening refinancing business development, and optimizing asset structure to enhance profitability.
(f) Personal Loan: Expanding the share of high-margin customer segments under prudent risk controls to increase revenue. Promoting revolving loans to enhance long-term cash flow.
(g) Credit Card: Launching the Happy World Business Card in June 2025 to target highspending premium customers and expand the affluent cardholder base. Enhancing the Far Eastern Happy Family+ Card around the "home" concept by expanding benefits in dining, shopping, senior care, maternity, childcare, and pet-related spending to boost brand visibility and revenue. Collaborating with charitable organizations on donation campaigns to strengthen the Bank's social image.
B. Corporate Banking
(a) Seizing cross-industry investment and financing opportunities to drive continuous asset growth, optimize overseas credit deployment, and increase the share of highyield assets to strengthen earnings momentum.
(b) Implementing multi-product marketing strategies to enhance customer stickiness and increase overall customer contribution.
(c) Aligning with global sustainability trends and proactively expanding ESG-related lending business.
(d) Strengthening cash flow infrastructure and developing competitive cash management services.
(e) Continuously optimizing funding position management to maximize interest spreads.
(f) Integrating AI-assisted tools into the CRM system to improve corporate credit investigation, lending efficiency, and credit report quality.
C. Financial Market
(a) Treasury Marketing
- TMU: Conducting rigorous KYC procedures and assigning appropriate transaction limits based on customers' risk tolerance to ensure compliance with product sales policies and risk management standards. Providing diversified foreign exchange- and interest rate-related derivatives, including interest ratelinked and benchmark-linked products, to meet hedging needs and support differentiated customer management. Expanding asset-side structured products to meet demand for fixed-income investments and interest rate protection.
- FX Margin Trading: Focusing on customer acquisition, increasing trading volume and profitability, and strengthening the FETP internet trading platform and digital services.
- FI: Managing FI client deposits in line with Bank policies to maintain stable longterm funding sources. Optimizing deposit structure and controlling funding costs. Strictly managing credit asset quality amid global economic uncertainty. Expanding cross-selling by offering hedging solutions for overseas investments and structured products for IC, SC, FC, and GF clients to enhance operating synergies.
- Asset Swap: Increasing returns on credit assets by actively expanding the asset portfolio and balancing risk and reward. Expanding foreign bond sales in response to customer demand.
(b) Financial Trading: Developing in-house derivative product warehousing capabilities and offering diversified financial products to create synergies among trading, sales, and customer services. Strengthening profit sources through diversified asset allocation and flexible trading strategies.
(c) ALM (Asset and Liability Management): Strengthening liquidity risk management and improving deposit structure to maintain the Liquidity Coverage Ratio (LCR) above 100% in compliance with regulatory requirements.
D. AI & Digital Banking
(a) Innovative Business Development Steady Growth and Strategic Expansion
- Digital Brand Cultivation: Operating Bankee Community Bank by leveraging BaaP and BaaS core architectures to modularize financial services and seamlessly embed them into cross-industry ecosystems. Receiving 12 major

domestic and international fintech awards in 2025 in recognition of innovation achievements.

Web3 Strategic Leadership: Facilitating over 95% of Taiwan's virtual asset cashin and cash-out flows and maintaining a leading position in fiat currency trust custody for VASPs. Transforming Web3 operations from a future concept into a practical reality and building a solid compliance foundation for future digital asset custody and collateralized financing services.
Scenario Finance Expansion: Integrating the Far Eastern Group's retail and telecommunications resources to develop a comprehensive digital finance ecosystem through commercial payments and digital tools. Using embedded finance as a strategic entry point to seamlessly integrate banking services into corporate workflows, deepen the Bankee B2B ecosystem, and drive business model innovation.
Promoting Sustainable Finance: Supporting government sustainable finance policies by promoting digital and paperless services, optimizing digital platforms, increasing transaction usage, and reducing the carbon footprint of branch visits. Achieving an off-counter transaction rate of 96.5% and a digital acquisition rate of 61.3% by the end of 2025.
(b) Anti-Fraud Management
Anti-Fraud Framework Upgrade: Upgrading the Anti-Fraud Technology Application Team into a dedicated Bank-wide Fraud Prevention Department to integrate resources and establish a stronger cross-industry defense mechanism.
Proven AI Detection Efficacy: Utilizing AI anomaly detection models to accurately identify mule accounts and fraud patterns, refine real-time monitoring systems, and improve anti-fraud effectiveness. Achieving cumulative fraud prevention and OTC interception results of nearly NT\$460 million as of 2025.
Defense Network Optimization: Monitoring abnormal cash flows through big data and deep learning to shift from passive blocking to proactive alerting, thereby safeguarding customer assets while maintaining seamless digital transaction experiences.
Award-Winning Performance: Receiving the Excellence Award for Contribution to Joint Anti-Fraud Defense from Financial Information Service Co., Ltd. as the only non-financial holding bank to receive this honor. Contributing 25% of Taiwan's total returned fraudulent funds while accounting for only 1.6% of industry alert accounts, according to data from the National Police Agency.
(c) Bank-wide AI Transformation Diverse Perspectives and Pragmatic Execution
Organizational Renaming and Positioning: Renaming and repositioning the AI & Digital Banking Group to centralize AI governance, strategic planning, and regulatory compliance.
AI Tool Governance: Conducting a comprehensive inventory of internal and external AI tools and establishing a tiered classification and control framework to ensure secure usage.
Pragmatic Implementation Plans: Supporting business units in identifying quickwin projects focused on mature technologies and well-defined use cases to achieve human-AI collaboration and improve operational efficiency.

AI Development Roadmap: Formulating a Bank-wide AI development policy and governance structure to ensure strategic resource integration and accelerate key AI applications under compliance, risk control, and value creation principles.

(3) Market Analysis

A. Operating region

The Bank operates branches and representative offices in major domestic urban areas, Hong Kong, and Southeast Asia (Singapore and Vietnam) to serve clients across Greater China and the Asia-Pacific region.

B. Market Prospects and Growth

Looking ahead to 2026, the global economy is expected to maintain moderate growth amid a gradually easing monetary policy environment. However, the pace of recovery is likely to remain constrained by geopolitical risks and changes in trade policies. AI and emerging technology applications are expected to continue expanding, driving demand for advanced manufacturing, cloud computing, and related services. Taiwan's technology sector retains structural advantages and is expected to remain a key engine of economic growth. Nevertheless, U.S. trade policies, geopolitical developments, global supply chain restructuring, and the fiscal and industrial policies of major economies will remain key variables affecting Taiwan's export performance. In financial markets, continued rate cuts may help support investment and asset prices, but exchange rate volatility and shifts in capital flows could increase short-term market fluctuations, requiring prudent management. The Bank will continue to closely monitor global economic and industry trends and pursue a strategy focused on high-quality assets and stable growth to meet clients' diverse financial needs, enhance core competitiveness, and capture future market growth opportunities.

Facing intensifying competition in a digital savings account market that has reached saturation, the digital finance industry has transitioned from simple scale-based customer acquisition to a new phase focused on deep vertical ecosystem empowerment. In response to the transition of VASP (Virtual Asset Service Provider) supervision toward a licensing regime and the FSC's draft Virtual Asset Service Act, the Bank is leveraging its leadership in fiat currency trust and custody services to evolve from a traditional cash flow intermediary into a core asset custody hub. Through AIdriven anomaly detection and VASP cross-industry risk defense mechanisms, the Bank aims to strengthen market confidence and deepen its presence in the Web3 ecosystem built on compliance and trust.

At the same time, the Bank is targeting the blue ocean opportunity in medical payments across Taiwan's 24,000 clinics. It actively supports healthcare institutions in their digital payment transformation by seamlessly embedding financial functions into medical operational workflows through its BaaS architecture, thereby building a highly sticky innovative medical payment ecosystem. In addition, AI applications in the financial industry have evolved from early-stage customer service chatbots to core business collaboration tools. Following the FSC's release of AI application guidelines, which clarified the roadmap for AI implementation under risk controls, the Bank has officially launched its AI transformation framework of "1-year tangible impact, 2-year fundamental change, and 3-year ultimate success" to pioneer a new era of intelligent finance.

C. Competitiveness

The Bank adheres to a long-term prudent operating strategy by balancing the development of its core business segments, focusing on niche products, creating innovative services, and promoting Bank-wide AI-driven digital transformation to enhance competitiveness. It also maintains rigorous risk management, internal audit and control, and regulatory compliance systems, while strengthening human capital, information capital, financial capital, and organizational capital to build a solid foundation for sustainable operations.

D. Development Advantages, Disadvantages and Strategies
(a) Advantages:
- With investors exiting the market, the real estate market is now primarily driven by end-user demand, which helps enhance the risk resilience of the Bank's assets.
- Mortgage interest rates remain at relatively high levels, which is favorable for maintaining stable interest rate spreads.
- The Bank leverages the Group's abundant resources and strong financial support to create robust business synergies.
- The Bank continuously recruits international financial professionals, enhances workforce quality, and builds a globally capable team.
- The Bank continuously strengthens loan portfolio risk management systems to strictly control asset quality and enhance operational efficiency.
- The Bank develops diversified financial products and provides customized services to differentiate target markets and deliver comprehensive financial solutions.
- The Bank continues to participate in international syndicated loans to enhance cross-border business and increase its global recognition.
- As climate change intensifies and net-zero awareness rises, the Bank actively promotes paperless services and continuously optimizes digital platforms to build a low-carbon financial service model.
- AI applications are booming worldwide, and the FSC is promoting Trusted AI to support the development of financial services that better meet public needs.
- According to the FSC's regulatory roadmap, the Virtual Asset Special Act will be implemented progressively. This marks a new era of proactive regulation for Taiwan's VASP market and provides FEIB with clear regulatory guidelines for related business development.
- The FSC is accelerating revisions to laws and self-regulatory codes concerning AI, virtual assets, and digital services. This responsiveness is effectively supporting the overall development of digital finance in Taiwan.
- By leveraging the Far Eastern Group's cross-industry strengths and abundant resources, the Bank is maximizing Group synergies.
- Consumer acceptance of digital financial services has significantly improved, which supports the continued growth of digital banking.
(b) Disadvantages:
- Despite the rate-cutting environment, competitors' foreign currency time deposit rates remain elevated, resulting in intense competition and making it difficult to retain deposit balances.
Real estate transaction momentum continues to weaken, which may adversely affect long-term property price trends.
The personal loan market is facing pressure from digital-only banks, digital banks, and non-bank financing companies, intensifying business competition.
The global economy remains uncertain, which may affect Taiwan's trade and investment performance and potentially impact the profit growth of Taiwanese enterprises.
Intense competition in the domestic lending market makes it challenging to widen interest rate spreads.
The Bank's expansion into Mainland China and the Asia-Pacific region started relatively late, resulting in fewer overseas business locations.
The Central Bank has implemented administrative measures to manage the concentration of real estate lending, thereby restricting the growth of construction loans.
The implementation of liquidity management indicators affects the efficiency of fund utilization.
The digital deposit account market is nearing saturation. While digital brands initially aimed to create new markets and opportunities, the market has evolved into a "red ocean," where yield-sensitive customers frequently migrate in search of short-term incentives.
Developing innovative digital financial products requires a careful balance among regulatory compliance, system resource allocation, and market profitability. The development process is often lengthy and challenging, with multiple hurdles before achieving market acceptance.
Although AI technology is evolving at an unprecedented pace, effectively integrating these technologies into internal workflows while addressing cybersecurity and data privacy concerns requires continuous clarification of governance frameworks across multiple departments.
Fraudulent activities in Taiwan continue to escalate, leading to a significant increase in manpower and operating costs associated with risk management and regulatory compliance.

Attracting natural person deposits through retail banking to reduce LCR maintenance costs.
Adopting a quality-over-quantity mortgage strategy to enhance asset quality and spreads.
Expanding medium- to high-margin customer segments and promoting revolving loans to increase long-term cash flow.
Leveraging corporate finance, TMU products, and financial innovation services to offer niche products and diversified solutions.
Deepening customer relationships in Greater China and the Asia-Pacific region while expanding overseas markets.
Enhancing professional training, compliance awareness, KYC processes, postloan management, and self-auditing.
Dynamically adjusting asset portfolios to improve ROA and capital efficiency.
Developing global transaction services and strengthening premium deposit customer management.
Applying new technologies to enhance digital financial services and explore new business opportunities.
Enhancing BaaP and BaaS architectures to modularize services and embed finance across industries while attracting high-quality retail deposits.
Optimizing STP and paperless workflows to integrate financial services into daily life and reduce operational carbon footprints.
Developing the innovative medical payment ecosystem through SaaS APIs and deep partnerships with clinics, pharmacies, and startups.
Establishing a Bank-wide AI development framework to accelerate high-impact AI applications under robust governance.
Strengthening collaboration with compliant VASPs and anti-fraud authorities while enhancing AI-driven transaction monitoring and risk management.

(4) Research and Development

A. Key Product Development and Newly Established Department:
(a) Key Product Development
Bankee Community Bank: Evolving from a digital platform into an AI-powered financial service portal. Built on the core architectures of BaaP and BaaS, Bankee has successfully modularized financial services into discrete components. Through B2C2C and B2B2C models, it has delivered invisible and seamlessly embedded financial experiences. In 2026, the Bank plans to introduce AI-driven smart collaboration and hyper-personalization models. Beyond addressing customer pain points, it will leverage big data to proactively predict needs and create value-added scenarios. Driven by AI-powered social network effects, Bankee effectively bridges virtual and physical channels, transforming traditional passive product sales into a co-creative financial ecosystem.
VASP Business Development: In response to the FSC's regulatory shift toward a VASP licensing regime, Far Eastern International Bank is leveraging its leadership as Taiwan's largest fiat currency trust and custody provider to evolve from cash flow management toward a comprehensive digital asset governance framework. The Bank has established an industry-leading AI anomaly detection system that integrates real-time monitoring with law enforcement data to elevate Web3 operations from simple fiat transactions to a high-trust security layer. Going forward, the Bank will leverage the compliance barriers built through its existing payment services to actively develop virtual asset custody services and integrated hybrid financial products.
AI-Enhanced CRM: Optimizing Corporate Credit Efficiency and Quality
- Solutions & Implementation

To streamline relationship managers' (RMs') workflows and address inconsistencies in report quality, the Bank integrated AI-assisted tools into the CRM credit approval process.

Key Results & Value Proposition
Efficiency Gains: Automated workflows significantly improved productivity, reducing the average preparation time for each credit approval report by 1–2 business days. End-to-end credit approval processing for new cases was shortened from 7–9 business days to 6–7 business days.
Proven Usability: Achieved an 80% usability rate in practical operations, demonstrating strong business value.
Security and Compliance: Fully compliant with the Sensitive Data Protection Framework, ensuring AI operations remain isolated from internal sensitive data.
Strategic Transformation: Enabled RMs to shift their focus from administrative tasks to higher-value activities, such as deepening client relationships and conducting strategic risk assessments.
(b) Newly Established Department

None.

B. R&D Expenditures and Result
R&D Expenditures烉

		Unit: NT\$ Thousands
Year	2024	2025
Amount	450,008	339,429

The R&D result is detailed in "implementation of the staff training program" and the "major financial products in last two years".
C. Future Research and Development Plans and Progress

Current Project	R&D Amount (NT\$ Thousands)	Est. deadline	Purpose
Retail Banking Project	102,500	Dec. 2026	Increase market competitiveness
Corporate Banking Project	75,988	Dec. 2026	Provide convenient customer service
Financial Market Project	25,500	Dec. 2026	Provide convenient customer service
Digital Banking Project	23,260	Dec. 2026	Enrich digital sub-brand
Risk Management Project	113,957	Dec. 2026	Strengthen risk management
Headquarter Dept. Project	38,445	Dec. 2026	Improve internal control management and regulation compliance
Operation Dept. Project	38,631	Dec. 2026	Optimize operation process
IT Project	267,148	Dec. 2026	Support business development

(5) Short and Long-Term Business Development Plans

A. Short-term Business Development Plans:
(a) Leveraging retail banking to rapidly attract natural person deposits in the short term, share the Bank's overall funding absorption responsibility, and reduce funding costs.
(b) Balancing quality and quantity through structural transformation by consolidating market share in refinancing business and strengthening precise credit review mechanisms to enhance capital efficiency and maximize interest spread returns.
(c) Increasing the proportion of medium- to high-margin customer segments in personal loans from 51% to 53%.
(d) Adding digital payment scenarios, enhancing security notifications for mobile payment-linked card transactions, optimizing digital payment functions, and improving transaction security and convenience for card users.
(e) Continuously optimizing the Mobile Banking App 2.0 feature introduction page to enhance customer experience.
(f) Optimizing online application functions to improve convenience and reduce manpower requirements.
(g) Embracing Wealth Management 2.0 by launching new eight-tier privilege services, conducting in-depth KYC procedures, and actively cultivating high-potential HNW clients to steadily increase the number of clients with assets of NT\$100 million or more.
(h) Building professional teams driven by customer needs and leveraging differentiated service advantages to shift from price competition to value creation, thereby maximizing customer contribution, enhancing operational synergies, and strengthening core profitability.
(i) Focusing on high-quality clients, actively acquiring new customers, strengthening relationships with existing clients, and expanding asset scale.
(j) Strengthening the foundational infrastructure of cash flow-related services by leveraging the corporate electronic cash management platform to provide integrated account services across Greater China and comprehensive cash management solutions, thereby positioning the Bank as clients' primary banking partner.
(k) Developing corporate finance products and actively building regional asset portfolios to meet the comprehensive financial needs of medium- and large-sized corporate clients.
(l) Strictly implementing rolling adjustments in deposit pricing and volume management to effectively control funding costs.
(m) Strengthening pricing capabilities for interest rate and foreign exchange products and providing one-stop customer services, including hedging strategies and investment products.
(n) Developing new FX margin trading customers while strengthening services for existing customers.
(o) Developing new asset swap clients and providing foreign bond sales services tailored to customers' risk profiles and return requirements.
(p) Establishing a comprehensive Bank-wide AI development strategy and internal governance framework to centralize AI resources and strengthen risk control protocols, while prioritizing quick-win AI projects with mature technologies and clearly defined objectives.
(q) Orchestrating anti-fraud resources under the precision anti-fraud strategy by upgrading autonomous monitoring and AI-driven anti-fraud models to reduce false alerts for both general and virtual accounts, enabling audit resources to focus on high-risk cases.
(r) Enhancing Bankee's BaaS and BaaP architectures by developing social lending and deposit scenarios and integrating AI collaboration to improve operational automation and steadily expand the digital customer base.
(s) Strengthening the Bank's leadership in fiat currency trust custody for VASPs and actively developing integrated Web3 hybrid products under controlled risk conditions.
(t) Integrating big data and deep learning models to accurately identify potential mule accounts and fraudulent actors while balancing business growth and risk control.
(u) Executing a core strategy centered on the medical payment ecosystem by utilizing commercial payment tools as flagship B2B products to build the Bankee B2B financial system, drive digital transaction growth, and increase stable deposits and fee income.
B. Long-term Business Development Plans:
(a) Continuously attracting demand deposits through project initiatives and digital function optimization to achieve stable diversification and lower funding costs.
(b) Focusing on synergies between wealth management and mortgage businesses to deepen engagement with high-end customer segments.
(c) Maintaining asset quality to maximize interest spread returns.
(d) Continuously increasing the proportion of unsecured loans under prudent risk controls to boost revenue.
(e) Planning to provide international payment functionality by enabling Far Eastern Bank cards to be linked to Apple Pay and support diverse payment applications such as transit cards.
(f) Leveraging AI tools and big data to build an automated machine learning platform, integrating offline transactions with online digital footprints to capture every customer touchpoint and achieve true omnichannel marketing.
(g) Developing more than 100 customer tags and utilizing AI for lifecycle demand forecasting to proactively identify customer needs, while combining open data insights to create seamless financial service scenarios and experiences.
(h) Actively expanding into overseas markets and identifying target customer segments through an industry-driven approach to increase overseas asset scale and profitability.
(i) Replicating successful overseas market development models and continuing to penetrate Greater China and ASEAN markets, while increasing profitability through international syndicated loans, structured products, and diversification strategies.
(j) Strengthening Global Transaction Services, expanding the deposit customer base, and establishing long-term, stable, and competitive funding sources.
(k) Leveraging private equity resources and actively participating in merger and acquisition financing projects in high-growth industries to broaden revenue streams.
(l) Fostering a learning-oriented organization, encouraging innovative thinking, and actively cultivating top-tier corporate banking professionals.
(m) Enhancing the functionality of the FETP online trading platform and expanding into new markets.
(n) Increasing revenue diversification by actively promoting niche markets such as TMU and ACH and strengthening cross-selling of structured products.
(o) Continuously expanding high-quality assets, maintaining asset quality, and delivering excellent services to enhance profitability.
(p) Cultivating trading specialists and establishing quantitative trading capabilities.
(q) Enhancing investment capabilities to diversify the investment portfolio and increase profit sources.
(r) Diversifying the underlying assets and structures of financial products, proactively providing market insights, and designing diversified investment and hedging solutions to strengthen customer stickiness and stabilize earnings.
(s) Pursuing new FI customer acquisition, strengthening financing quality control, and sustaining business growth momentum.
(t) Closely monitoring regulatory and technological trends while pragmatically advancing deep digital business development to transform innovative technologies into tangible business models.
(u) Integrating omnichannel resources through human-AI collaboration to build synergies between AI-powered intelligent services and lifestyle scenarios.
(v) Establishing an AI-centered dual-layer anti-fraud defense system combining early warning and detection mechanisms to minimize fraud losses and safeguard customer assets.
(w) Embedding ESG principles into digital innovation to advance sustainability alongside AI development and lead the blue ocean market in digital finance.

2. Human Resources

(1) Employee Information in the Recent Two Years and as of the Date of the Publication of the Annual Report

				March 31, 2026
	Year	2024	2025	As of Mar 31, 2026
	Above Vice President and Branch Manager	352	363	362
Number of	Deputy Manager ~Deputy Vice President	1,562	1,562	1,552
Employees	Below Assistant Manager	657	609	589
	Total	2,571	2,534	2,503
Average Age		44.32	44.96	45.14
Average Years of Service		12.21	12.77	13.02
	Above University	24.62%	24.98%	25.04%
Shares of	University	59.24%	59.27%	59.29%
Education	Junior College	14.31	13.93%	13.70%
Degrees	Senior high school	1.79%	1.74%	1.92%
	Below senior high school	0.04%	0.08%	0.04%
	Proficiency Test for Bank Internal Control and Audit	1,861	1,856	1,844
	Proficiency Test for Trust Operations Personnel	1,601	1,628	1,620
	Personal Insurance Representative	1,494	1,481	1,462
	Property Insurance Representative	1,352	1,333	1,320
	Investment-Orientated Insurance Product Representative	651	659	653
	Non-Investment-Oriented Life Insurance Eligibility and	810	818	814
	Payment of Foreign Currency Representative
	Certification Test for Financial Derivatives Sales Personnel	674	688	695
	Basic Proficiency Test for Bank Lending Personnel	587	602	604
	Advanced Proficiency Test for Bank Lending Personnel	20	20	20
	Basic Proficiency Test for International Banking Personnel	357	362	372
	Futures Specialist	234	231	231
	Securities Investment Trust and Consulting Professionals	151	151	153
	Securities Specialist	212	213	212
Number of	Senior Securities Specialist	213	210	212
Professional	Securities Investment Analyst	11	9	9
License	Proficiency Test for Financial Planning Personnel	398	387	385
	Certified Financial Planner (CFP)	15	14	14
	Chartered Financial Analyst (CFA)	1	1	1
	Property Insurance Agent	10	11	11
	Property Insurance Broker	6	6	6
	Personal Insurance Agent	10	11	11
	Personal Insurance Broker	6	6	6
	CPA Certified Anti-Money Laundering Specialist(CAMS)	3 37	4 34	4 38
	Professional Exam for Anti-Money Laundering and		568	568
	Countering Terrorism Financing Specialist	569
	Basic Test on Sustainable Development (1)	62	466	495
	Advanced Proficiency on Sustainable Development	--	3	3
	Other Certified Sustainable Finance License	7	8	13
	Others	8,604	8,647	8,897
	Total	19,956	20,427	20,673

Note: The number of people who received Certified Sustainable Finance License accounts for 19% of all full-time employees (overseas excluded).

(2) Employee Training and Development

The FEIB has been honored with the National Talent Development Awards, recognizing its outstanding performance in talent development. (NTDA is organized by Taiwan's Ministry of Labor and is a national-level award in the field of human resources.) For 23 consecutive years, the FEIB has received incentive funds totaling NT\$16,848 (thousand) under the "Enterprises Talent Skill Progressive Program."

Here is a summary of the training outcomes from the last three years:

						Unit: NT\$ Thousands
	Internal Program	External Program			Total
Training Year	Expense	No. of Employees	Expense	No. of Employees	Expense	No. of Employees
2023	14,310	18,621	4,890	2,561	19,200	21,182
2024	12,250	16,004	5,754	1,911	18,004	17,915
2025	11,236	11,496	4,496	2,145	15,732	13,641

In 2025, the total number of training hours amounted to approximately 411,085, with an average of 162.2 hours (20.3 days) of training per individual. Training is divided into two categories: online training and classroom training. The following categories are covered in classroom instruction: language, digital skills, regulations, management associates, professional development, fundamental skills, and management training. Current online training resources include eHRD (internal training platform), CWLC (CommonWealth Leader Campus), and Studio Classroom (WebEnglish, external learning platform).

		Category	Summary	No. of Hours
		Professional	Professional knowledge to execute business and knowledge of digital finance.
		Fundamental	Productivity enhancement and self- management skills.
		Management	Strengthening management skills for potential talents and managers.
Classroom Training		Management Associate	A management training and professional skills development program 50,693 aimed at building a bicultural talent pool.
		Regulatory	Legally required courses such as information security, anti-money laundering, and occupational safety and health training.
		Digital Skill	Fintech and computer application training
		Language	Toastmasters and English service and enhancement courses.
	Internal	eHRD	Learning of products, legal and ESG knowledge, etc.	91,513
Online Training External		Studio Classroom	English listening, reading, and quizzes from lifestyle to news.	143,448
		CWLC	Leadership, innovation, trend insight, etc.	125,431
			Total	411,085

(3) Training and Development Plan in 2026.

A. FEIB offers core-competency training, including advanced professional knowledge and skills training, and continues risk management, legal & compliance training.
B. FEIB promotes fintech, sustainable development, and green finance policies through digital finance lectures and AI courses. It supports innovation and bilingualism with external platforms and connects with ESG reading charitable activities. The sustainable training program of FEIB includes ESG digital courses and sustainability learning competition, providing rewards and guidance for employees to obtain Certified Sustainable Finance License.
C. FEIB has conducted the MA (Management Associate) program and Mid HPT (Mid-Level High Potential Talent) program throughout the years; FEIB also provides management training and leadership development programs for first-time supervisors at all levels, and implement the Stars Program with an aim to strengthen the succession pipeline, ensuring the long-term stability of the Bank.

(4) Employee Behavior and Ethics Standards

The Bank adheres to the "Ethical Corporate Management Best-Practice Principles", "Codes of Ethical Conduct", Codes of Handling Whistle-blowing Cases", and "Employee Behavior Standards" to ensure staff compliance. These policies are accessible on the bank's website and are disseminated during departmental meetings to ensure understanding among employees.

The following are excerpts from the "Codes of Ethical Conduct of FEIB":

Article 1 Purpose and basis

In order to guide the Company's directors, managers, and employees to behave in accordance with ethical standards and improve stakeholders' understanding of the Company's ethical standards, the Company has stipulated the Codes of Ethical Conduct (the "Code") for them to comply.

Article 2 Applicable parties

The applicable parties of the Code are the Company's directors, managers, and employees. (the "Applicable parties")

Article 3 Principle of ethically conducting business When conducting business, the Applicable parties shall comply with ethical standards and insist on honesty, trust, and job duties.
Article 4 Prevention of conflicts of interest

The Applicable parties shall conduct business in an objective and efficient way and are not allowed to obtain any illegitimate benefit for themselves, their spouses, parents, children or relatives within the second degree of kinship through their position in the Company.

When the Company has lending or borrowing agreements with, or gives guarantee for, or has material asset transactions with a company or its affiliated enterprise of any person mentioned in the preceding paragraph, the relevant Applicable parties shall voluntarily elaborate any potential conflicts of interest between the Company and himself / herself, and shall be handled in accordance with the Company's codes relevant to these cases to prevent conflicts of interest.

Employees whose job is handling lending business should get the permission of avoiding to deal with lending cases of themselves, their spouses, or relatives within the third degree of kinship.

If employee's spouses or relatives by blood or by marriage within the third degree of kinship are employees of the Company, these persons shall comply with the principle of preventing conflicts of interest.

Article 5 Prohibition against coveting private profit

The Applicable parties are prohibited from:

1. Obtaining personal benefit through using the Company's properties, information or through their positions in the Company;
1. Competing with the Company.
1. Behaviors prohibited by the company's code of conduct or other relevant regulations.

When the Company has an opportunity for profit, it is the responsibility of the Applicable parties to maximize the reasonable and proper benefits that can be obtained by the Company.

Article 6 Responsibility of confidentiality

The Applicable parties are obligated to maintain the confidentiality of any information regarding the Company itself or customers, except when authorized or required to disclose such information by relevant laws, orders from regulatory authorities, court rulings, or internal regulations of the company. Confidential information includes any undisclosed information that, if exploited by a competitor or disclosed, could result in damage to the Company or customers.

Article 7 Fair trade

The Applicable parties shall treat all customers, competitors, and employees fairly, and may not obtain improper benefits through manipulation, nondisclosure, or misuse of the information learned by virtue of their positions, or through misrepresentation of important matters, or through other unfair trading practices.

Article 8 Protection and proper use of the Company's assets

The Applicable parties shall protect the Company's assets, reduce expenses, and ensure that assets are legally and effectively used for the business purpose of the Company to avoid theft, negligence or wasting.

Article 9 Legal compliance

The Applicable parties shall comply with the Banking Act, Securities and Exchange Act, and other applicable laws and regulations. The Company shall strengthen promotion of ethics internally.

Article 10 Management of sustainable information

The applicable parties must ensure that the collection, recording, processing, compilation, adjustment, approval, and publication of sustainable information are truthful, accurate, easy to understand, complete and fair, supported by evidence, and compliant with regulations. There must be no greenwashing behaviors that are inconsistent with actual circumstances or involve information asymmetry.

The definition of sustainable information is as stipulated in the company's 'Sustainable Information Management Guidelines.'

Article 11 Reporting

When a director discovers that the Company is in danger of sustaining material loss or damage, the director should promptly take appropriate actions and immediately notify the Audit Committee or independent director members of the Audit Committee, and report to the board of directors, and supervise the Company to report to the competent authority.

When the Applicable parties suspect or find any fact of violation of laws and regulations or the Code, they shall actively report such fact to the Audit Committee, managers, chief auditor, head office chief compliance officer, or other appropriate personnel and provide the Company with sufficient information for proper follow-up by the Company.

All of reports shall be kept confidential and investigated by independent channels by the Company to protect informants.

Article 12 Punishment

If any of the Applicable parties violate the Code, the Company will handle the

case in accordance with relevant punishment regulations; the Company may claim compensation for any loss or damage resulting from such violation pursuant to the Civil Code. When a director or managerial officer violates the Code, the Company shall promptly disclose on the Market Observation Post System (the "MOPS") the date of the violation, reasons for the violation, the provisions of the Code violated, and the actions taken by the Company.

Before making a resolution of punishment, the suspected violator is able to make a defense or complaint in accordance with related regulations.

Article 13 Procedures for exemption

If the Applicable parties require any exemption from compliance with the Code, it shall be resolved with approval by the board of directors, and the information on the date of exemption approved by the board of directors, objections or reservations opinions of independent directors, and the period of, reasons for, and basis of exemption shall be disclosed immediately on the MOPS, in order that the shareholders may evaluate the appropriateness of the board resolution to forestall any arbitrary or dubious exemption from the Code, and to safeguard the interests of the Company by ensuring appropriate mechanisms for controlling any circumstance under which such an exemption occurs.

Article 14 Way of disclosure

The Company shall disclose the Code on its web site, annual report, prospectuses and the MOPS. The same requirement applies for revision.

Article 15 Implementation

The Code shall enter into force after being approved by the board of directors, and the same shall also be reported at the shareholders' meeting. The same procedure shall be followed when the Code has been amended.

3. Corporate Responsibilities and Ethical Behavior

(1) Affirming the Implementation of Sustainable Governance

A. Selected as a constituent of the FTSE4Good TIP Taiwan ESG Index and authorized to use the FTSE4Good TIP Taiwan ESG Index dedicated logo.
B. Selected as a constituent of the Taiwan High Compensation 100 Index for 12 consecutive years and the RA Taiwan Employment Creation 99 Index for 14 consecutive years.
C. Ranked among the top 5% of listed companies in the 11th Corporate Governance Evaluation conducted by the Taiwan Stock Exchange.
D. Ranked in the top 25% among domestic banks in the Financial Supervisory Commission Treating Customers Fairly Assessment and received the highest rating.
E. Ranked the "Grade A Bank" Award for SME lending from the Financial Supervisory Commission.
F. Received multiple honors at the 2025 Taiwan Corporate Sustainability Awards, including Top 100 Taiwan Sustainable Model Enterprises, Sustainability Reporting Gold Award, People Development Leadership Award, Information Security Leadership Award, Age-Friendly Leadership Award, and Innovation and Growth Leadership Award.
G. Received the Best Emerging Digital Technologies Project and Best Brand Image for Wealth Management Bank awards at the Asset Triple A Awards 2025.
H. Received Best Service, Best Sustainability Promotion, and Best Wealth Appreciation at the 2025 Wealth Management Awards hosted by Wealth Magazine.
I. Received the Best Sustainable Development Award at the 2025 Financial Service Awards hosted by China Times.
J. Received Domestic Risk Management Initiative of the Year Taiwan and ESG Program of the Year at the Asian Banking & Finance Retail Banking Awards 2025.
K. Received Best Brand Image, Best Wealth Management, and Best AI Innovation at the 2025 Banking Excellence Awards hosted by Excellence Magazine.
L. Received Best Digital Wealth Management Platform in Taiwan and Best Financial Advisory Service in Taiwan at the Asian Banker Taiwan Awards 2025.
M. Received the National Brand Yushan Award for Most Popular Brand and Best Product Innovation.
N.Received the Best Professional Insurance Award Auxiliary Group and Best Social Responsibility Award – Auxiliary Group.
P. Ranked first in Group B of the Elderly Care Trust category in Phase IV of the FSC Trust 2.0 Project evaluation.
Q. Received the 11th Futures Diamond Award from the Taiwan Futures Exchange.
R. Received the Statement of Excellence in Service from British Standards Institution.
S. Received Gold for Most Innovative Customer Service Center of the Year at the Asia-Pacific Stevie Awards.
T. Received Most Innovative Digital Bank from The Global Economics.
U. Received the Digital Service Award and Digital Information Security Award (Anti-Fraud Category) at the 2025 Digital Finance Awards hosted by Commercial Times.
V. Received Best Blockchain Technology Partner for Retail Banks at the Global BankTech Awards 2025.
W. Received the Most Innovative Digital Bank Award at the 2025 Global Economics Awards.
X. Received Most Innovative Digital Bank (Asia-Pacific), Best Bank for Embedded Finance (Taiwan), and Most Innovative Digital Bank (Taiwan) at the Global Finance World's Best Digital Banks 2025.
Y. Received Best Digital Assets & Blockchain Initiative at the Global Banking Tech Awards 2025.
Z.Received Best Business Innovation and Best Product Contribution at Financial Star 2025.
AA. Received the Taipei City Workplace Gender Equality Certification Creative Award.
AB. All 55 workplaces received the Self-Assessment of Workplace Health Promotion certification from the Ministry of Health and Welfare.
AC. Received the Sports Enterprise Certificate from the Sports Administration, Ministry of Education for two consecutive terms.
AD. Received Best Companies to Work for in Asia for five consecutive years and Most Caring Company Awards for three consecutive years from HR Asia.
AE. Received the Happy Enterprises Award from 1111 Job Bank for four consecutive years.
AF. Both FEIB and the Young Bankers Toastmasters Club received the President's Distinguished District Award from Toastmasters International in 2025.
AG. Received the Talent Development Leadership Award at the 2025 TCSA.
AH. Joined the TALENT, in Taiwan: Taiwan Talent Sustainability Action Alliance initiated by CommonWealth Learning for two consecutive years.

(2) Caring for Social Welfare

A. Used the Eden Reward Card as a core platform to develop diversified and convenient donation mechanisms. By combining card rewards with donation platforms, cumulative public micro-donations exceeded NT\$100 million.
B. Launched preferential time deposit programs for charitable donors and disadvantaged

groups. By offering preferential rates, the Bank encouraged charitable giving and provided additional benefits to disadvantaged individuals to fulfill corporate social responsibility.

C. Collaborated with Eden Social Welfare Foundation to employ three visually impaired masseurs, becoming the first bank in the financial industry to employ participants from the Sincere-Yuan program.
D. In response to the 2025 Mataian Creek barrier lake disaster in Hualien, the Bank joined the Far Eastern Group's relief efforts and donated NT\$2 million.
E. Held the FEIB Sustainable Reading campaign in 2025. Employees completed 200 online course certificates through the app task package and courses, with participation from 1,000 colleagues. The Bank also sponsored 1,000 summer courses for the Eden Social Welfare Foundation.
F. Hosted the FEIB Love PETs Party at Rakuten Taoyuan Baseball Stadium to promote animal-friendly initiatives and create Taiwan's first FEIB Pet Park.
G. Successfully held the 2025 Bank-wide Spring Rally on February 15, 2025, at Taipei Nangang Exhibition Center, with 2,202 employees participating. Employees donated 1,728 invoices to the Eden Foundation and 1,458 items of clothing to Step30 International Ministries.
H. Launched the Far Eastern Bank Assistance Loan Program to provide financing support for low- to middle-income households and indigenous peoples, fulfilling corporate social responsibility.
J. Continued enhancing accessible banking services in 2025, including:
(a) Installing anti-slip floor mats at all branch entrances and equipping service counters with reading glasses to improve accessibility.
(b) Launching an English-language Financial Accessibility Services section on online banking to enhance inclusive digital access.

(3) Culture Support

A. Sponsored Taiwan Connection, founded by Nai-Yuan Hu, for the eighth consecutive year to support music talent development programs for children in rural areas.
B. Held the inaugural FEIB Happy 10 Scholarship ceremony at Shangri-La Far Eastern Plaza Hotel, Taipei to support outstanding students from World Vision Taiwan, with all 25 awardees and their families attending.
C. Jointly sponsored major community events with Far Eastern Group affiliates, including Christmasland in New Taipei City, the Far Eastern Plaza Christmas Tree Lighting, and the 2025 Taiwan Lantern Festival in Taoyuan, sharing a warm and festive atmosphere with the community.
D. Released the 2026 Touring Formosa by Train Calendar, showcasing the diverse beauty of domestic rail travel. Monthly layouts featured FEIB Sustainable Daily Life to share sustainability knowledge and encourage customers to support a sustainable future.
E. Leveraged self-media platforms Xiao Yuan Won (YouTube) and Happy 10 (Podcast) to launch live reality seminars on parent-child financial management, combining parent-child communication with financial education and creating lasting digital learning resources.

(4) Environmental Protection

A. In accordance with the FSC's Sustainable Development Roadmap for Listed Companies, the Bank continued implementing carbon emission management for itself and its subsidiaries. The 2025 greenhouse gas inventory and external verification for Scope 1 and Scope 2 are expected to be completed in April 2026, achieving 100% coverage. To maintain systematic environmental and energy management, the Bank continued promoting ISO 14001 and ISO 50001 at major sites, including the Banqiao and Head Office buildings. Through equipment upgrades, temperature optimization, and waste reduction, the Bank achieved a 4.25% electricity saving rate and a 4.55% waste reduction rate. Both certifications passed external surveillance audits in October 2025.
B. To enhance renewable energy use, the Bank expanded green power wheeling to include the Banqiao Jiangzicui and Kaohsiung Chungcheng branches in 2025. The Bank also purchased 64 Taiwan Renewable Energy Certificates, bringing total renewable energy consumption to 767,634 kWh.
C. Prioritized procurement of eco-labeled equipment, with green procurement totaling NT\$22.99 million in 2025.
D. Participated in the CDP climate change questionnaire for the second consecutive year, with its rating improving from Management Level (B) to Leadership Level (A-) in 2025.
E. Conducted sustainable investments in accordance with the Sustainable Development Investment Guidelines. In 2025, ESG-related stocks accounted for 83.84% of the Bank's book investment portfolio, totaling NT\$2.025 billion.
F. The total balance of ESG-linked credit facilities reached NT\$89.6 billion in 2025, accounting for 33% of the total corporate banking credit balance of NT\$271 billion and exceeding the management target of NT\$73.5 billion.
G. Collaborated with Yuan Ze University for the eighth consecutive year to hold the Senior Financial Academy. Senior customers showcased self-remade British-style shirts made from surplus fabrics of international luxury brands, promoting social inclusion and senior empowerment.

(5) Business Sustainability and Shareholder Value

The Bank remains committed to enhancing corporate governance and strengthening its operating foundation to maximize shareholder value. In 2025, the Bank ranked among the top 5% of listed companies in the Corporate Governance Evaluation.

4. Number of Full Time Non-Managers, the Average and Median of Non-Managers' salary

			Unit: NT\$ Thousand
year	2024	2025	Difference
Full-Time Number of Non-Managers	2,263	2,242	-0.9%
Average Number of Non-Managers' Salary	1,362	1,378	1.2%
Median Number of Non-Managers' Salary	1,208	1,252	3.6%

Note 1: Non-supervisory positions: Refers to non-manager positions.

Note 2: The statistical principles are based on the relevant reporting requirements for full-time employee salary information for companies listed on the Taiwan Stock Exchange.

5. IT Investment

(1) Major Information System Hardware, Software Configuration and Maintenance

Information System	Hardware	Operating System
Core Banking System	Unisys Libra 6590	MCP
Mutual Fund and Trust System	IBM AS/400	OS/400
Trade Finance System	IBM RS/6000	AIX
Credit Card System	Linux Server	Linux
Data Warehouse System	Linux Server	Linux
Individual Internet Banking systemǵMobile Banking system	IBM RS/6000	AIX
Corporate Internet Banking system	IBM RS/6000 Windows Server	AIX Windows
Financial Markets System
FX Margin Trading System
Corporate CRM System	Windows Server	Windows
eLoan System
Hong Kong Branch System
Wealth Management System	Linux Server	Linux
The software and hardware of the Bank's information system are maintained by the FEIB Information Technology Group or by professional vendors.

(2) Future Development or Acquisition Plans

A. The Bank will establish the FEIB-Robo service platform to provide customers with a diversified wealth management platform.
B. Corporate online banking will be integrated with direct bank-enterprise connection services to broaden the scope of digital offerings.
C. A corporate banking credit scoring system will be implemented to establish credit risk indicators and strengthen overall risk management.
D. The consumer credit risk scoring system will be upgraded to enhance credit risk indicators and strengthen risk management.
E. A risk-based internal audit system will be developed to improve audit effectiveness and strengthen the internal control framework.
F. Digital accounts, online insurance, AI applications, and innovative financial scenarios will be continuously optimized to scale transactions and deepen customer engagement.
G. The Bank will establish a high-net-worth wealth management business system to provide affluent clients with comprehensive and optimized asset management services.
H. The Bank will launch Apple Pay to provide customers with diversified payment scenarios and secure payment services.
I. The Bank will establish a REITs real estate securitization system to support business development needs.
J. The Bank will establish a corporate online banking app to provide mobile banking services for corporate customers and enhance customer experience.
K. The Bank will establish an automated system for calculating credit risk capital provisions to improve operational efficiency and facilitate capital utilization analysis.
L. The Bank will adjust the FIS VaR module to reflect the updated FRTB calculation scope, ensuring that trading book risk management remains fully compliant with regulatory requirements.
M. The Bank will establish a risk-oriented compliance program system (CRA) to create a mechanism centered on identifying, assessing, controlling, and monitoring compliance risks. By concentrating resources on high-risk areas and conducting precise risk

analysis, the Bank will enhance compliance efficiency and effectiveness while meeting regulatory requirements.

N. The Bank will leverage cloud backup solutions for core systems to enhance disaster recovery capabilities and ensure operational resilience.
O. The Bank will upgrade the Unisys mainframe to ensure stable system operations and support business development needs.
P. The Bank will upgrade the derivatives trading system to ensure stable system operations and support business development needs.
(3) Emergency Backup and Security Protection Measures

Please refer to Page 129-130, "IV. Operation Highlights" / "6. Information Security Management" / "(1) Describe the information security risk management framework, the information security policy, the specific management plan and the resources invested in the information security management" / "B. Information security risk evaluation analysis" / "C. Improving the information security protection architecture" and "D. Emergency response plan"

6. Information Security Management

(1) The Information Security Risk Management Framework, the Information Security Policy, the Specific Management Plan, and the Resources Invested in Information Security Management:

The bank has established an information security risk management framework. The Information Security Office, a dedicated unit established in 2018, is responsible for formulating information security policies and overseeing the planning, implementation, management, and auditing of information security affairs. To strengthen the Board's grasp of information security trends, Mr. Chia-Juch Chang, a board's director with an information security background, was appointed to participate in Board decision-making. The overall execution status of information security is reported to the Audit Committee and the Board of Directors in the first quarter of each year. Since 2021, Lonnie Liu, the Vice President of the Operations Group has concurrently served as the Chief Information Security Officer (CISO), overseeing the coordination of information security policies and resource allocation. and supervising various security enhancement efforts. Specific management plans and resource allocation details for the overall execution of information security are outlined below:

A. Information Security, Personal Data Protection and Business Continuity Management Systems are certified by BSI international organization every year
(a) Information Security Management System (ISO 27001:2022), with the current certificate valid until January 2027.
(b) Personal Information Management System (BS 10012:2017) with the current certificate valid until July 2026.
(c) Business Continuity Management System (ISO 22301:2019) with the current certificate valid until October 2026.
(d) Under the management framework, the bank has established the Information Security Implementation Team (Information Security Committee), Personal Data Management Team, and Business Continuity Management Team. Regular management review meetings are held annually, and all management system policies and documents are reviewed at least once a year. These processes ensure

the implementation of various information security operational procedures, the protection of customer personal data, and the continuous operations of critical business processes.

B. Information Security Detection and Audit:

In 2025, the bank engaged a consulting firm to conduct a computer information system security assessment. The assessment included information architecture review, network activity review, compliance review, vulnerability scanning, penetration testing, APP program security testing, SWIFT CSP (Customer Security Program) audit, and email social engineering exercises. The assessment results revealed no deficiencies. Additionally, the auditors were commissioned to complete a personal data protection auditing for the previous year, and the audit results complied with relevant regulations. An online education and training program on information security and personal data protection, at least 3 hours per employee, was completed for all employees as planned. The overall implementation of information security at the bank complied with the specifications and requirements of the detection and audit.

C. Strengthening Information Security Architecture:
(a) Red team drills have been completed, and a third-party professional cybersecurity vendor has been commissioned to simulate hacker intrusions to verify the effectiveness of the bank's defense mechanisms.
(b) A zero-trust architecture has been implemented in accordance with the Financial Supervisory Commission's "Cybersecurity Action Plan 2.0." An external consultant has been commissioned to develop a "zero-trust architecture" blueprint to strengthen personnel and equipment verification mechanisms. Short-term, medium-term, and long-term blueprints have all been completed.
(c) In accordance with the Financial Supervisory Commission's "Operational Guidelines for Information Resilience of Financial Institutions", an external consultant has been commissioned to assist the entire bank in establishing a management system and operating procedures. A review of the bank's core businesses and core systems, as well as the formulation of operational continuity objectives, have been completed.
D. Emergency Response Plan:

Exercises for Distributed Denial of Service (DDoS) attack response, ATM incident response procedures, information security incident response procedures, and information system backup drills were completed, and the results met expectations, confirming the effectiveness of mechanisms and procedures.

Combining the management plans mentioned in items A-D, effective management of information security risks has been achieved. Furthermore, the bank received the following external recognitions for outstanding information security achievements in 2025:

A. Enhanced cybersecurity resilience through four dimensions of cybersecurity (supervision, governance, management, and technology), winning the 2025 Taiwan Enterprise Sustainability Award – Cybersecurity Leadership Award.
B. Participated in an attack and defense exercise organized by the Financial Supervisory Commission (FSC) and managed by the Financial Security Information Sharing and Analysis Center (F-ISAC), winning fourth place.
C. Received the FSC's 2023 "Excellent Award," 2024 "Special Excellent Award," and 2025 "Outstanding Award" for our outstanding contributions to threat intelligence sharing within the banking sector.

(2) Major Information Security Incident None.

7. Labor Relations

(1) Employee Welfare, Retirement System, Labor-Management Agreements, and Employee Rights Protection
A. Employee Welfare Measures
- (a) Preferential Interest Rate
- (b) Preferential Loan Rate
- (c) Financial Transaction Fee / Remittance Offer
- (d) Establish the Employee Welfare Committee. Employees are entitled to apply for different subsidies, such as marriage, funeral, childbirth, festivals, birthdays, club, and children allowance.
- (e) Employee Remuneration
- (f) Employee Stock Ownership Trust
- (g) Pension
- (h) Statutory-exceeding Annual Leaves, public service leave and health leave, which were introduced in 2025 and will take effect in 2026.
- (i) Group Insurance, Labor Insurance, Health Insurance
- (j) Friendly Parenting Measures烉
- é Concession contract signing with childcare institutions.
- é Family Care Leave, Maternity Leave, Parental Leave without pay; along with statutory-exceeding Prenatal Check-up Leave, Accompanying Prenatal Examination/ Paternity Leave, and 30 days of Family-Friendly Leave each year.
- é Flexible adjustment of work starts and end times within 2 hours during normal working hours.
- (k) Tuition Reimbursement Program
- (l) Reward Program for Professional Certification
- (m)Statutory-exceeding frequencies and screening items of Employee Health Examination
B. Employee Retirement System
- (a)The bank contributes to the labor pension according to the labor pension system and related laws/regulations. Specifically, for employees hired before July 1, 2005, the bank appropriates labor pension reserve funds amounting to 2% of the total monthly wages of the employees and deposits such amount in a designated account. Before the end of each year, the bank assesses the balance in the designated labor pension reserve funds account to ensure it is adequate to pay pensions for workers who retire in the same year.
- (b)The Supervisory Committee of Labor Retirement Reserve supervises and ensures employees' rights. The 8th term of the committee was established in April 2019 and approved for reference by the Department of Labor, Taipei City Government.
C. Labor-Management Agreements and Various Employee Interest Protection Measures
(a)The bank distributes internal meeting minutes on a regular basis and publishes newsletters (Happy Reader) quarterly to deliver significant management decisions and messages. Moreover, it implements a mailbox to serve as a communication channel with employees. Also, it holds Labor-Management Meetings every three months to promote mutual communication between employers and employees.
(b)Abiding by various labor laws and international human rights conventions, the bank formulates "work rules" and personnel regulations. Also, regularly it carries out publicity courses to implement compliance and protect employees' labor rights and maintain gender equality in workplace.
(c) Policies of reporting, appealing and disciplinary actions:
- é The bank establishes ͆Principles for Whistleblowing Cases͇,͆Handling Procedures for the Prevention of Sexual Harassment, Grievance Reporting, and Disciplinary Action͇, and ͆Directions for Employee Grievances" for the bank to comply with. Channels-hotline, fax, and e-mail addresses for informing illegal activities and expressing complaints about work are installed. These cases are investigated following standard operating procedures by designated departments.
- é Informers and details offered by informers are kept confidential, and informers are well protected to avoid suffering from inappropriate retaliation.
- é If designated departments determine someone has acted inappropriately after investigating, to comply with "Principles for Employee Rewards and Disciplinary Actions", the person involved will be punished according to the seriousness of their inappropriate behavior, and the informer will be rewarded appropriately.
(d)The remuneration policy is determined by the board of directors after discussion by the remuneration committee. It considers pay levels in the industry, business performance, and future risks. The remuneration committee gives suggestions to the board of directors after periodic review. To share profits with employees, the bank increases employees' salaries every year. The general pay levels are considered in the industry and individual performance. For 2025, the average rate of salary increase was +4.0%.
(e)To ensure members' rights of employee stock ownership trust, a committee operates supervision. The membership rate of 2025 was 84%.
(f) Employee satisfaction surveys are conducted biannually since 2021. In 2025, we conducted employee satisfaction surveys, covering 10 major aspects including: employee care and welfare, growth and development, corporate culture, teamwork, leadership and governance, operational excellence, technology empowerment, innovation, sustainable development and social responsibility, and overall perception. The overall participation rate reached 34%. Based on the survey results, we have launched the AI Seed Instructor Implementation Program, which aims to drive the AI innovation thinking and application among employees through action tasks and incentive programs. In addition, we are continuously revising various personnel compensation and welfare systems to better meet employee expectations.

(2) Workplace Safety and Employee Psychology Health Maintenance

A. In accordance with regulations and guidelines issued by the competent authority, the Bank has established the Code of Practice for Safety and Health, Occupational Safety and Health Management Plan, Prevention Plan for Illegal Harassment in the Workplace During the Performance of Duties, Prevention Plan for Diseases Caused by Abnormal Workloads, Ergonomics Plan for the Prevention of Musculoskeletal Disorders, Workplace Maternal Health Protection Plan, Employee Health Service Program, and Physical and Mental Health Protection Plan for Middle-aged and Elderly Workers to promote occupational safety and health and prevent occupational diseases. In 2025, the Bank reported zero occupational disease cases.
B. The Bank has established an Occupational Safety and Health Management Organization and appointed occupational safety and health managers, on-site first aid personnel, and fire prevention supervisors, all of whom receive relevant training. An employee self-defense team has also been established to conduct anti-robbery, self-defense, and firefighting drills every six months. In addition, the Bank provides occupational safety and health e-learning courses for employees, with at least three hours of training every three years.
C. To safeguard employee health, the Bank provides health examinations at a frequency and budget exceeding statutory requirements. For employee health management, the Bank arranges on-site occupational medicine consultations and employs professional nurses to support employees' physical and mental well-being.
D. The Bank also organizes a variety of health promotion activities, including health lectures, sports clubs, and health management competitions, to create a healthy workplace. These efforts have been recognized by the Health Promotion Administration, and all 55 workplaces received the Self-Assessment of Workplace Health Promotion certification.
E. The Bank actively promotes employee wellness and provides diversified exercise resources. It has received the Sports Enterprise Certificate from the Sports Administration, Ministry of Education for two consecutive terms.
F. To safeguard employee health and workplace safety, the Bank maintains an occupational safety and health management system in compliance with applicable regulations, with a strong focus on preventive risk management and regular reviews. In 2025, the Bank implemented its Occupational Safety and Health Management Plan by conducting workplace inspections and environmental monitoring at 58 business and office locations (with two assessments during the year), completing fire safety equipment inspections and regulatory filings at 59 locations with 12 monthly self-inspections, and carrying out fire safety, robbery prevention training, and emergency response drills twice during the year. Public safety inspections and filings for buildings were also completed at 58 locations. The Bank reviews the effectiveness of safety measures annually through the Safety Maintenance and Supervision Committee to support operational resilience and continuous improvement.
(3) Specification of Losses Resulting from Labor-Management Disputes in 2025, as of the Date of the Publication of the Annual Report, and Disclosure of the Value of Current and Potential Future Losses, Along with Countermeasures.
A. Labor-Management Disputes烉

Events	&XUUHQWDQG3RWHQWLDO/RVV H[FOXGLQJLQWHUHVW	Countermeasures
One dispute over the Confirmation of the Existence of an Employment Relationship	Approximately NT\$6.25 million	Subject to court judgment or negotiation results

B. Labor Inspection Results in Violation of the Labor Standards Act: None.

8. Important Contracts

				March 31, 2026
Contract	Signing Party	Covering Period	Main Content	Restrictions
Outsourcing Agreement	Ding Ding Integrated Marketing Service Co., Ltd.	2026.01.01-2026.12.31	Data processing: Including the data entry, processing, and output of information system	None
Outsourcing Agreement	Tung Kuan System Co. Ltd.	2025.12.21-2026.12.20	Data processing: Including the data entry, processing, and output of information system	None
Outsourcing Agreement	Foongtone Technology Co., Ltd.	2025.08.18-2026.08.17	1. Data processing: Including the data entry, processing, and output of information system 2. Including the operation processing. 3. Card personalization printing 4. Mailing job processing	None
Outsourcing Agreement	Taiwan name plate Co., Ltd.	2026.04.01-2027.03.31	1. Data processing: Including the data entry, processing, and output of information system 2. Including the operation processing. 3. Card personalization printing 4. Mailing job processing	None
		2025.09.01-2026.08.31	Data processing: Including the processing, and output of information system by Payment Statement.	Re-outsourcing prohibited except agreed by the Bank via document
Outsourcing Agreement	Han Yeh Business Form Corporation	2025.12.01-2026.11.30	Data processing: Including the processing, and output of information system by Withholding Statement.	Re-outsourcing prohibited except agreed by the Bank via document
		2025.07.16-2026.07.15	Data processing: Including the processing, and output of information system by Insurance.	Re-outsourcing prohibited except agreed by the Bank via document
Outsourcing Agreement	Fuco Technology Corporation	2025.12.10-2026.12.09	1. Data processing: Including the data entry, processing, and output of information system 2. Data processing: Including the development, monitor and maintenance of information system. 3. Including the operation processing. 4.The operation of bill printing and sealing 5. Mailing job processing 6. Replying and processing for customer email.	None

Contract	Signing Party	Covering Period	Main Content	Restrictions
Outsourcing Agreement	Far Eastone Telecommunications Co., Ltd.		2025.11.01-2026.10.31 Collection processing for credit card payment.	Entrusted institutions are limited to those approved by the competent authority
			2026.03.01-2027.02.28 Collection processing for credit card payment.	Entrusted institutions
Outsourcing Agreement	LAI LAI Convenience Stores Company		2025.12.01-2026.11.30 Collection processing for installment loan payment.	are limited to those approved by the
			2025.11.01-2026.10.31 Collection processing for credit card payment.	competent authority
Outsourcing	President Chain Store		2026.01.01-2026.12.31 Collection processing for installment loan and credit card payment	Entrusted institutions are limited to those
Agreement	Corporation		2025.11.01-2026.10.31 Collection processing for credit card payment.	approved by the competent authority
			2026.01.01-2026.12.31 Collection processing for installment loan payment.	Entrusted institutions
Outsourcing Agreement	Hi-Life International Co., Ltd.		2025.08.01-2026.07.31 Collection processing for credit card payment	are limited to those approved by the competent authority
			2025.11.01-2026.10.31 Collection processing for credit card payment.
			2026.01.01-2026.12.31 Collection processing for installment loan payment.	Entrusted institutions
Outsourcing Agreement	Taiwan Family Mart Co., Ltd.		2025.07.01-2026.06.30 Collection processing for credit card payment.	are limited to those approved by the
			2025.11.01-2026.10.31 Collection processing for credit card payment.	competent authority
Outsourcing Agreement	World Wide Net International Corp.	2025.11.28-2026.11.27	Data processing: Including the data entry, processing, and output of information system.	None
Outsourcing Agreement	Justor Collection Management Co., Ltd.		2026.03.19-2027.03.18 Collection of debt receivables	None
Outsourcing Agreement	Unistar Asset Management Co., Ltd.		2026.03.19-2027.03.18 Collection of debt receivables	None
Outsourcing Agreement	Sunrise Consultancy Co., Ltd.		2026.03.19-2027.03.18 Collection of debt receivables	None
Outsourcing Agreement	United Credit Services Co., Ltd.		2025.03.19-2026.03.18 Collection of debt receivables	None
Outsourcing Agreement	Jungshin Assets Management Co., Ltd.		2026.03.19-2027.03.18 Collection of debt receivables	None
Outsourcing Agreement	Lian Li Asset Management Co., Ltd.		2026.03.19-2027.03.18 Collection of debt receivables	None
Outsourcing Agreement	Yulon Finance Corporation	2024.04.12-2026.04.11	1. Application forms, certificates, and related documents conservation 2. Car loan (strategic alliance) marketing and sales 3. Car loan (strategic alliance) operations management (except credit approval) 4. Car loan (strategic alliance) customer service and consultancy	None
Outsourcing Agreement		Hotai Finance Co., Ltd. 2024.08.02-2026.08.01	1. Application forms, certificates, and related documents conservation 2. Car loan (strategic alliance) marketing and sales 3. Car loan (strategic alliance) operations management (except credit approval) 4. Car loan (strategic alliance) customer service and consultancy	None

Contract	Signing Party	Covering Period	Main Content	Restrictions
Outsourcing Agreement	Fina Finance & Trading Co., Ltd.	2024.08.02-2026.08.01	1. Application forms, certificates, and related documents conservation 2. Car loan (strategic alliance) marketing and sales 3. Car loan (strategic alliance) operations management (except credit approval) 4. Car loan (strategic alliance) customer service and consultancy	None
Outsourcing Agreement	Far Trust International Finance	2024.10.17-2026.10.16	1. Application forms, certificates, and related documents conservation 2. Car loan (strategic alliance) marketing and sales 3. Car loan (strategic alliance) operations management (except credit approval) 4. Car loan (strategic alliance) customer service and consultancy	None
Outsourcing Agreement	Shinshin Credit Corporation	2025.10.09-2027.10.08	1. Application forms, certificates, and related documents conservation 2. Car loan (strategic alliance) marketing and sales 3. Car loan (strategic alliance) operations management (except credit approval) 4. Car loan (strategic alliance) customer service and consultancy	None
Outsourcing Agreement	Crown Van Lines Co., Ltd.		2026.03.01-2027.02.28 Documents such as forms and credential storage.	None
Outsourcing Agreement	National Credit Card Center of R.O.C.	2009.02.12 -30 days written notice before termination	Information system data registration, processing, and output	None
Outsourcing Agreement	Yuen Foong Paper Co., Ltd.		2025.06.13-2026.06.12 Valet invoicing (checks, money orders) assignments	None
Outsourcing Agreement	Leebao Security Co., Ltd.		2026.01.01-2026.12.31 Securities, Checks, commercial paper and cash in transit operation.	1. Re-outsourcing prohibited except agreed by the Bank via document. 2. The agreement will be auto-renewed for 1 year (max. for twice).
Outsourcing Agreement	Anfeng Enterprise Co., Ltd.		2026.01.01-2026.12.31 ATM machine upgrade and error fixing	1. Re-outsourcing prohibited except agreed by the Bank via document. 2. The agreement will be auto-renewed for 1 year (max. for twice).
Outsourcing Agreement	Brink's Co., Ltd.		2025.04.01-2027.03.31 Securities, Checks, commercial paper and cash in transit operation.	1. Re-outsourcing prohibited except agreed by the Bank via document. 2. The agreement will be auto-renewed for 1 year(max.for twice
Outsourcing Agreement	Chun Hua Express Co., Ltd.		2026.02.01-2027.01.31 Outsourced delivery of bank-wide documents and bills.	Re-outsourcing prohibited except agreed by the Bank via document.

Contract	Signing Party	Covering Period	Main Content	Restrictions
Outsourcing Agreement	Chunghwa Post Co., Ltd.		2025.08.01-2026.07.31 Business data processing operations	Contract parties are prohibited from re entrusting without written consent of the Bank
Outsourcing Agreement	Transnational Logistics Solutions(Taiwan)Pte Ltd. Taiwan Branch(Singapore)		2025.10.01-2026.09.30 Outsourced delivery of bank-wide documents and bills.	Re-outsourcing prohibited except agreed by the Bank via document.
Outsourcing Agreement	Taiwan Mobile Payment Co., Ltd	2026.01.01-2027.12.31	1.Card production for mobile payment and card life cycle management (host card emulation and tokenization) 2.Session key management and verification 3.Digital wallet APP 4.Software development kit (SDK) authentication 5.Push payment transaction	None
Outsourcing Agreement	DXC Technology Taiwan Limited		2024.04.01-2030.03.31 Computer system professional maintenance service	None
Outsourcing Agreement	TAIWAN-CA. Inc		2025.11.19-2026.11.18 Business data processing operations	None
Engineering Agreement	Jun Jia Interior Design Co., Ltd.	2025.06.02-2025.08.16 Hsinchu Jinguo Branch	RelocationInterior Engineering	None
Engineering Agreement	Cheng Hsing Electromechanical Engineering Co., Ltd.	2025.06.02-2025.08.23 2025.10.01-2025.12.31	Hsinchu Jinguo Branch Relocation Mechanical and Electrical Engineering Shindian Branch Renovation Mechanical and Electrical Engineering	None
Engineering Agreement	Chengming Air Conditioning Co., Ltd.		2025.06.02-2025.08.23 Hsinchu Jinguo Branch Relocation Air Conditioning Engineering	None
Engineering Agreement	Li Yi Hang Interior Decoration Engineering Co., Ltd.		2025.10.01-2025.12.31 Shindian Branch Renovation Interior Engineering	None
Engineering Agreement	Hui Hong Engineering Co., Ltd.		2025.10.01-2025.12.31 Shindian Branch Renovation Air Conditioning Engineering	None
Construction contract	Far Eastern Construction Co., Ltd. (FECC)	From 2024.06.27 the contract is signed until the date the building ownership is transferred and the date the building is readily completed for use.	FEIB commissions FECC to engage architects, construction companies, and construction management companies for planning, designing, construction, and construction management of the building on the construction site.	Refer to the content of the contract.
Lease Contract		YUAN DING CO., LTD. 2024.11.01-2026.08.31	Bank's HQ office and branch usage of lease contract	None
Lease Contract	FAR EASTERN DEPT. STORE, LTD.	2025.02.01-2030.01.31	Panchiao Mega City Branch of lease contract	None

9. Securitization

The Bank did not initiate securitization of any financial products in 2025.

V. Review of Financial Conditions, Financial Performance, and Risk Management

1. Analysis of Financial Status

				Unit: NT\$ Thousands
Year	Dec. 31, 2025	Dec. 31, 2024	Difference
Item			Amount	%
Cash and Cash Equivalents, Due from the Central Bank and Other Banks, net	55,694,696	64,292,894	(8,598,198)	(13)
Financial Assets at Fair Value Through Profit or Loss	55,688,152	53,134,114	2,554,038	5
Financial Assets at Fair Value Through Other Comprehensive Income	63,132,388	59,536,214	3,596,174	6
Investment in Debt Instruments at Amortized Cost, net	147,693,446	146,215,199	1,478,247	1
Discounts and Loans, net	506,589,988	488,805,319	17,784,669	4
Receivables, net	19,108,530	18,553,830	554,700	3
Other Financial Assets, net	13,925,309	12,071,096	1,854,213	15
Other Assets	11,878,383	10,854,384	1,023,999	9
Total Assets	873,710,892	853,463,050	20,247,842	2
Deposits and remittance	711,752,762	698,869,200	12,883,562	2
Other Liabilities	92,109,464	93,344,061	(1,234,597)	(1)
Total Liabilities	803,862,226	792,213,261	11,648,965	1
Capital	48,652,847	42,753,997	5,898,850	14
Capital Surplus	830,560	302,926	527,634	174
Retained Earnings	19,355,365	18,271,198	1,084,167	6
Other Equity	1,009,894	(78,332)	1,088,226	1,389
Total Equity	69,848,666	61,249,789	8,598,877	14
Notes (Changes of more than 20% and more than \$10,000 thousands):

The increase of Capital Surplus was due to the increase of paid-in capital in excess of par from rights offering.
The increase of Other Equity was due to the increase of unrealized gains on financial assets at fair value through other comprehensive income.

2. Analysis of Financial Performance

				Unit: NT\$ Thousands
Year			Variance
Item	2025	2024	Amount	(%)
Net Interest Revenue	6,803,609	5,921,043	882,566	15
Net-non-interest Revenue	6,065,046	6,939,638	(874,592)	(13)
Net Revenue	12,868,655	12,860,681	7,974	0
Net Provision for Possible Loss on Bad Debts Expense, Commitment, Guarantee and Letters of Credit Issued	253,010	142,536	110,474	78
Operating Expense	7,956,152	7,848,217	107,935	1
Net Income Before Tax	4,659,493	4,869,928	(210,435)	(4)
Income tax expense	488,078	572,738	(84,660)	(15)
Net Income	4,171,415	4,297,190	(125,775)	(3)

Notes of change: (Changes of more than 20% and more than \$10,000 thousands):

The increase of Net Provision for Possible Loss on Bad Debts Expense, Commitment, Guarantee and Letters of Credit Issued was due to the increase of provision for commitment and guarantee obligations.

Operation goal: Please refer to page 10 operation goal.
Improvement plan in the future:

For details, please refer to the current year's business plan on page 110-113.

3. Analysis of Cash Flow

(1) Liquidity Analysis for the Latest 2 years:

	2025	2024	Change in %
Cash flow ratio (%)	Note	52.34	-
Cash flow adequacy ratio (%)	Note	288.15	-
Cash flow satisfied ratio (%)	Note	Note	-
Notes of change: (Changes of more than 20%)ǺNone

Note: Since the ratio was negative, it is excluded from analysis.

(2) Cash Flow Analysis for the Coming Year

					Unit: NT\$ Thousands
	Estimated Net Cash Flow	Estimated Cash Outflow	Cash Surplus	Leverage of Cash Deficit
Beginning	from Operating Activities	(Inflow)	(Deficit)	Investment	Financing
Cash Balance (A)	(B)	(C)	(A)ɠ(B)ɡ(C)	Plan	Plan
5,378,820	1,271,093	5,609,482	1,040,431	-	-

4. Major Capital Expenditure in Last Year:

(1) Utilization of Major Capital Expenditures and Sources of Funds

Unit: NT\$ Thousands

	Actual or	Actual or	Total			Actual or Planned Capital Utilization
Project Item	Expected Source of Funds	Expected Completion Date	Required Capital	2025	2026	2027	2028	2029
Construction of Head Office Building	Internal Funds	Q4'2029	485,729	-	72,860	145,718	72,860	194,291

(2) Expected Benefits:
A. Centralized head office and business unit offices will improve the bank's corporate image.
B. The self-owned property for the head office reinforces FEIB's long-term commitment to sustainability.
C. Prime location in downtown Taipei helps preserve the value of fixed assets.

5. Recent Year Investment Policy, Major Causes of Profits/Losses, Improvement Plans, and Future Investment Plans

The bank's investment policy aligns with long-term strategic development and complements core operations to create synergy.

(1) Far Eastern International Securities Company Ltd.

A. Major Profit Drivers:

Far Eastern International Securities (FEIS) reported operating revenue of NT\$163,507 thousand in 2025, representing a decrease of NT\$119,776 thousand, or 42%, compared with NT\$283,283 thousand in 2024. Under continued cost control and expense rationalization measures, operating costs in 2025 amounted to NT\$228,289 thousand, a reduction of NT\$30,496 thousand, or 12%, from NT\$258,785 thousand in 2024. As a result, FEIS recorded a net loss after tax of NT\$50,134 thousand.

B. Strategy for the Coming Year:
(a) FEIS will actively expand the recruitment of qualified wealth management professionals across all regions to achieve the minimum scale required for workforce economies of scale and improve the cost-to-income ratio through enhanced revenue generation.
(b) Subject to maintaining robust information security standards, FEIS will accelerate the launch of its U.S. equities online trading app while integrating related initiatives in parallel to enhance service quality and strengthen its ability to attract and engage high-net-worth clients.
(c) In addition to continuously monitoring and managing operating expenses, FEIS will further promote the adoption of AI-assisted tools across departments, focusing on cost efficiency and operational effectiveness. These efforts are intended to accelerate project development and strengthen employee-AI collaboration capabilities.

(2) Far Eastern Asset Management Corp.

A. Major Profit Drivers:

Profit was mainly driven by purchases of non-performing loans and investment returns from joint venture projects.

B. Strategy for the Coming Year:
(a) The Company will continue purchasing new non-performing loans to generate service fee income.
(b) The Company will acquire new court-auctioned real estate and dispose of such assets through various market channels to increase revenue.

(3) FEIB Financial Leasing Co., Ltd.

A. Major Profit Drivers:

Profit was mainly driven by increases in interest income and fee income from financial leasing transactions.

B. Strategy for the Coming Year:

The Company will continue developing new customers to secure diversified revenue sources.

6. Risk Management

(1) Risk Management Organization and Policy

A. Policy:
(a) Utilizing qualitative and quantitative approaches, such as operational procedures and asset quality ratios, and the setting of relevant risk appetites, per internal and external regulatory guidelines, as references for the Bank's management strategy under the prudent risk management culture.
(b) Establishing an independent risk management department to effectively implement and monitor the risk management mechanism.
(c) Identifying, measuring, monitoring, and controlling the Bank's existing and potential risks within acceptable parameters; balancing risk with return to meet annual

income budgets and achieve business sustainability.

B. Organization Structure:
(a) Board of Directors:

The Board of Directors is FEIB's ultimate decision-maker regarding risk management and is responsible for formulating the framework and policy of risk management.

(b) Assets and Liabilities Management Committee & Risk Management Committee:

The Committees are responsible for examining and supervising the Bank's asset and liability management, as well as risk exposure management.

Under the Risk Management Group, the Corporate Banking Department, the Consumer Banking Department, and the Risk Control Department are responsible for managing the risks of the relevant business unit(s) directly, and reporting to the Risk Management Committee and the Board of Directors regularly.

The responsibilities of each department are as follows:

é The RMG Corporate Banking Department consists of two teams. The credit review team is responsible for assessing credit proposals and account receivables finance. The credit management team oversees lending policy amendments, post-lending management.
é The RMG Consumer Banking Department is responsible for consumer lending/credit card facility approval, consumer lending policy amendments, portfolio management, post-lending management, customer complaint solutions, delinquent loan collection, and non-performing loan collection.
é The RMG Risk Control Department is responsible for the integrated management of bank-wide credit risk, market risk, operational risk, and climate risk.
(d) Internal Audit Group:

The Internal Audit Group is responsible for auditing the implementation of the risk management framework, operational procedures, and suggesting improvement actions as necessary.

(2) Qualitative and Quantitative Information on Various Risks
A. Credit Risk Management Framework and Capital Requirements
- (a) Credit Risk Management Framework

Item

Content

1. Strategies and procedures
of credit risk management

1. Developing a prudent credit risk management mechanism to effectively identify,
measure, monitor, and control credit risk and balance it with justified returns.
2. Corporate Banking and Retail Banking Business:
(1) Corporate Banking:
A. Strategy and goal
The Bank establishes clear procedures for corporate loan approval and post
lending management to ensure asset quality.
B. Policy
The Bank sets adequate credit allocation limits for each industry and
conglomerate, adjusting them regularly based on economic conditions,
industrial trends, and the Bank's strategy.

2025

Item	Content
	C. Procedure (a) The authorization level is defined in FEIB's "Credit Authorization Guidelines," where managers are authorized to approve credit proposals. Large amounts and specific credit lines must be assessed by the Credit Committee before approval by authorized managers. (b) Post-lending reviews follow the management mechanism, tracking changes in borrower credit quality and collateral valuation. Additionally, proactive countermeasures are taken against potential credit risks according to the watch-list system. (2) Retail Banking: A. Strategy and goal The Bank formulates clear credit policies to ensure portfolio quality and achieve justifiable profits. B. Policy The Bank manages its asset portfolio adequately, tracking changes in credit quality and adjusting credit policies in response to economic conditions and the financial environment. C. Procedure The credit cycle begins with designing financial products, followed by assessing credit costs and formulating credit terms and approval guidelines. Subsequently, directions for post-lending management are set to track and analyze credit quality and transaction changes for the collective management of portfolio credit risk.
2. Organization and structure of credit risk management	1. Board of Directors: The Board of Directors is FEIB's ultimate decision-maker regarding credit risk management. It is responsible for approving credit risk management strategies and regularly examining management results in accordance with overall operational strategy and the business environment. 2. Risk Management Committee: Following the credit risk management strategy approved by the Board of Directors, the Risk Management Committee is responsible for managing the credit risk mechanism, examining credit risk regulations, coordinating management differences among departments, and continuously overseeing execution results. 3. Credit Committee: According to the Bank's "Credit Committee Procedures," the Credit Committee is responsible for reviewing specific credit lines and loans. 4. Risk Management Group: (1) RMG - Corporate Banking Department: This department includes two teams. The credit review team assesses credit proposals and account receivables finance, while the credit management team oversees lending policy amendments, post-lending management. (2) RMG - Consumer Banking Department: This department is responsible for consumer lending/credit card facility assessment, consumer lending policy amendments, portfolio management, post lending management, customer complaint solutions, delinquency loan collection, and non-performing loan collection. (3) RMG - Risk Control Department: This department is responsible for the integrated management of bank-wide credit risk. 5. Internal Audit Group: This group is responsible for auditing risk management activities at least annually and providing suggestions for improvement.
3. Scope and characteristics of credit risk report and evaluation system	1. Corporate Banking: The credit risk report regularly includes risk exposure, credit utilization rate by credit limit, post-lending management, and asset quality assessment. It is submitted to the Board of Directors quarterly after examination by the Risk Management Committee. (1) Conglomerate

Item	Content
	Establishing conglomerate limits and regularly reviewing credit utilization rate. (2) Industry Establishing Industry limits and regularly reviewing credit utilization rate. (3) Watch-list Reviewing financial and business changes of borrowers and taking proactive credit-enhancement actions. (4) Asset quality Regularly reviewing assets quality through NPL ratio and coverage ratio, and comparing with peers/ industry average. 2. Retail Banking: The credit risk report regularly includes portfolio structure, key asset quality indicators, risk ratings, and risk management strategy. It is submitted to the Board of Directors quarterly after examination by the Risk Management Committee.
4. Policies for credit risk hedging or risk mitigation, as well as strategies and processes for monitoring effectiveness of risk hedging and mitigation	1. Evaluating default probability and net loss of extending credits; stipulating credit terms and mitigating credit risk through guarantors and collateral such as bank deposits, securities, land, and real estate to reduce risk exposure. Updating the value of listed stocks daily and the appraisal value of land and real estate when renewing credit extensions, and monitoring collateral value promptly. 2. Reducing non-target credit extensions to mitigate credit risk. 3. Managing asset quality through credit limits and regulations, tracking changes in credit quality, monitoring credit risk through post-lending management, credit concentration analysis, and interim reviews. Supervising overall credit risk quality to ensure effective risk mitigation.
5. Approach applied to Regulatory Capital Charge Standardized Approach.

(b) Risk Exposure after Mitigating Risks from the Standardized Approach of the Credit Risk and Capital Requirement

December 31, 2025		Unit: NT\$ thousands
Exposure Type	Exposure after Risk Mitigation	Capital Requirement
Sovereign states	176,506,617	0
Non-central government public sections	4,030,009	64,480
Bank (including multilateral development banks and Central Counterparty)	83,575,500	1,976,507
Covered bonds	506,552	4,052
Enterprises (including securities and insurance companies)	221,504,468	14,282,778
Retail credit	131,421,501	8,225,612
Real estate	287,824,570	12,224,296
Equity	10,020,002	1,549,326
Equity investments in funds	0	0
Other assets	10,813,599	626,410
Total	926,202,817	38,953,461

B. Securitization Risk Management Framework, Exposure, and Capital Requirements

(a)Securitization Risk Management Framework

2025

Item	Content
1. Strategies and procedures of securitization management
2. Organization and structure of securitization management	Not Applicable.
3. Scope and characteristics of the securitization risk report and measurement system

Item	Content
4. Policies for securitization hedging or risk mitigation, as well as strategies and processes for monitoring the continuous effectiveness of risk mitigation tools
5. Approach applied to Regulatory Capital Charge	Standardized Approach.
6. Overall qualitative disclosure requirements, included: (1) The purpose of engaging in securitization activities and the types of risks undertaken and retained by banks in re-securitization activities (2) Other risks implied by securitized assets (e.g., liquidity risk) (3) Different roles played by banks in the process of securitization, and the degree of participation of banks in each process (4) The monitoring process for credit and market risk in securitization (5) The risk management policy for mitigating the risks retained by securitization and re securitization	Not Applicable.
7. Overview of accounting policies for bank securitization 8. In the banking book, the name of the external rating agency (ECAI) used in securitization and the risk exposure in which it is used in each type of asset securitization
9. Any significant changes in quantity since the last reporting period (e.g., assets transferred between the banking book and trading book)

Note: Items 6 to 9 are only required to be filled out by the founding bank that is currently in circulation.

(b) Engagement of Asset Securitization

None.

(c) Securitization Exposure and Required Capital by Transaction Type

							December 31, 2025					Unit: NT\$ thousands
	Risk Exposure				Traditional				Synthetic		Total
	Category Book	Type of	Risk Exposure Amount			Capital		Capital	Risk Exposure	Capital	Capital Requirement
Bank Category	type	assets	Retained or Purchased	For Liquidity Facility	For Credit Enhancement	Sub-total (1)	Requirement (2)	Retained or Purchased (3)	Requirement (4)	Amount (5)=(1)+(3)	Requirement (6)=(2)+(4)	Before Securitization
Non	Banking book		-	-	-	-	-	-	-	-	-
Founding Bank	Trading book		-	-	-	-	-	-	-	-	-	-
	Sub-total		-	-	-	-	-	-	-	-	-
Founding Bank	Banking book		-	-	-	-	-	-	-	-	-	-
	Trading book		-	-	-	-	-	-	-	-	-	-
	Sub-total		-	-	-	-	-	-	-	-	-	-
Total	-		-	-	-	-	-	-	-	-	-	-

Note: 1. The column "Type of assets" is subdivided as securitized asset (such as credit card, home equity loan, auto loan), or the securities invested (such as mortgage-backed securities, commercial mortgage-backed securities, asset-backed securities, and collateralized debt obligation), etc.

The risk exposure amount of the banking book should be booked after risk mitigation.
The column "Liquidity facility" should be included the exposure of drawdown and undrawn portion.

(d) Information on Securitization Products

X Summary Table of Securitization Product Investments

		December 31, 2025			Unit: NT\$ thousands
Item (Note 1)	Account	Initial Cost	Cumulative Valuation Gain or Loss	Cumulative Impairment	Carrying Amount

Measured at fair value through MBS 6,884,259 -181,676 0 OCI						6,702,583
----------------------------------------------------------------------------	--	--	--	--	--	-----------

Note 1: This table includes both domestic and international securitization products and classifies them by category and accounting treatment:

(1) MBS: Including RMBS, CMBS, CMOs, etc.

(2) ABS: Including CLOs, CBOs, credit card ABS, auto loan ABS, consumer loan/cash card ABS, lease ABS, others.

(3) ABCP: Short-term securities.

(4) CDO: Collateralized debt obligations.

(5) Real Estate Securitization: REATs.

(6) Structured Investment Vehicles (SIV) debt instruments.

(7) Other securitization products.

Note 2: Includes beneficial securities issued by entities where the bank acts as originator.

Y(i)Securitization Product Investments with Original Cost Over NT\$300 Million

(Excluding Holdings for Credit Enhancement Purposes by the Bank as Originator):

												Unit: NT\$ thousands
Name of Securities Account (Note) Currency			Issuer & Place	Purchase Date	Maturity Pool Date	Coupon Rate	Credit Rating	Method of Interest Payment & Principal Repayment	Initial Cost	Cumulative Valuation Gain or Loss	Cumula tive Impair ment	Carrying Amount	Attach ment Point	Details of Asset Maturity
US3618N5C643	Measured at fair value through OCI	USD	GENNIE MAE /US	2024/12/12 2054/12/1		5.5	Moody's Aa1	Monthly	810,326	14,952	0	825,278	-	-
US3618N5EV73	Measured at fair value through OCI	USD	GENNIE MAE /US	2025/1/23	2055/1/1	5.5	Moody's Aa1	Monthly	526,353	13,014	0	539,367	-	-
US3618N5JD21	Measured at fair value through OCI	USD	GENNIE MAE /US	2025/3/20	2055/3/1	5.5	Moody's Aa1	Monthly	801,457	7,861	0	809,318	-	-
US3618N5KW82	Measured at fair value through OCI	USD	GENNIE MAE /US	2025/4/8	2055/4/1	5.5	Moody's Aa1	Monthly	902,467	10,045	0	912,512	-	-
US3618N5ZK89	Measured at fair value through OCI	USD	GENNIE MAE /US	2025/10/27 2055/11/1		5.0	Moody's Aa1	Monthly	1,566,734	1,564	0	1,568,298	-	-
US38382NKG15	Measured at fair value through OCI	USD	GENNIE MAE /US	2021/2/2	2051/2/1	1.0	Moody's Aa1	Monthly	395,832	-81,793	0	314,039	-	-
US38385ABV35	Measured at fair value through OCI	USD	GENNIE MAE /US	2024/11/18 2054/11/1		5.5	Moody's Aa1	Monthly	551,982	6,337	0	558,319	-	-

Note 1: Includes domestic and overseas products.

Note 2: Each tranche must be reported separately with full names.

Note 3: Credit ratings should reflect the latest available.

Note 4: Attachment point is defined as the proportion of tranches junior to the bank's holding relative to the total issue.

Note 5: Asset pools should include details on asset class, subordination, amount (in original currency), and number of assets.

(ii) Positions Held by the Bank as Originator for Credit Enhancement Purposes: None.
(iii) Assets Acquired by the Bank as Credit-Impaired Buyer or Liquidation Buyer: None.
Z Positions Guaranteed or Supported with Liquidity Facilities by the Bank: None.

C. Operational Risk Management Framework and Capital Requirement

(a) Operational Risk Management Framework

2025

Item	Content
1. Strategies and procedures of operational risk management	1. Establishing an operational risk management mechanism to enhance risk awareness among all Bank staff; examining operational risks in daily business activities and management processes, and taking appropriate countermeasures against existing and potential risks to reduce operational risk. 2.Implementing the RCSA, KRI, and LDC process to promptly identify vulnerable internal control points and take corrective actions accordingly; establishing a tracking mechanism for improvements; examining the status of operational risk management by an independent audit department, and reporting the verification results to the Board of Directors in due course.
2. Organization and structure of operational risk management	1.Board of Directors: The Board of Directors is FEIB's ultimate decision-maker in operational risk management. It is responsible for approving operational risk management strategy and regularly examining the management result, according to the overall operations strategy and business environment. 2.Risk Management Committee: Following the operational risk strategy approved by the Board of Directors, the Risk Management Committee is responsible for supervising the management mechanism of the Bank's operational risk. 3.Risk Management Group: The Group is responsible for developing bank-wide operational risk management procedures and implementing identification, measurement, monitoring, and reporting mechanisms; establishes an incident database, aggregates risk data, and provides regular reports to senior management, the Risk Management Committee, and the Board of Directors. 4.Internal Audit Group: The Group is responsible for auditing risk management activities at least annually and making suggestions for improvement.
3. Scope and characteristics of operational risk report and measurement system	1. Established the "Operational Risk Incident Reporting Procedures" and a centralized system to collect incident data. This enables comprehensive analysis via a unified database. All handling processes and action plans require approval from Division/Group Heads or authorized personnel to ensure effective oversight. 2. Established Risk and Control Self-Assessment (RCSA) frameworks, requiring units to identify potential operational risk events, root causes, and categories within key business processes. Units evaluate the frequency of occurrence and control effectiveness to map their risk matrix positioning. For high-risk items, units must formulate mitigation strategies and monitor their implementation results. 3. Established Key Risk Indicators (KRIs) as early warning mechanisms to mitigate operational risk exposure. Monitoring results are reported quarterly, complemented by periodic reviews of KRI definitions, thresholds, and alert levels to ensure ongoing relevance. 4. The Risk Management Group prepares and submits regular risk management reports to senior management, the Risk Management Committee, and the Board of Directors to ensure effective oversight.
4. Policies for operational risk hedging or risk mitigation, as well as strategies and processes for monitoring effectiveness of risk hedging and mitigation	1.After assessing the frequency and impacts of operational risk in daily operations processes, the Bank employs insurance or service outsourcing to transfer or offset the risk and loss. 2.The probability of operational risk is reduced by measures such as KYC (Know Your Customer) and anti-money laundering implementation, internal control and compliance systems, employee codes of conduct, and training. 3.The Bank also sets up information security control guidelines in compliance with ISO27001 guidelines, including information security policy, processes, risk monitoring, and training.
5. Approach applied to Regulatory Capital Charge	Standardized Approach.

(b) Operational Risk Capital Requirement

	December 31, 2025	Unit: NT\$ thousands
	Item	Amount
1	Business indicator component (BIC)	1,549,750
2	Internal loss multiplier (ILM)	1
3	Operational risk capital (ORC)	1,549,750
4	Risk-weighted assets for operational risk	19,371,877

D. Market Risk Management Framework and Capital Requirement

(a) Market Risk Management Framework

	2025
Item	Content
1. Strategies and procedures of market risk management	1. Developing a prudent market risk management mechanism to effectively identify, measure, monitor, and control market risk, and balance the assumed risk with justified return. 2. According to the "Financial Market Proprietary Trading Authorization Policy," the bank sets position limits and stop-loss limits based on business types, department portfolio balances, and traders' portfolios, respectively. To manage market risk, the Bank assigns a team to monitor the limits daily. Traders must promptly adjust positions to reduce market risk when trading losses exceed the stop-loss limit. 3. Prior to introducing a new product or business plan, the bank assesses market risk exposure and the impact of the risk on the Bank's business.
2. Organization and structure of market risk management	1. Board of Directors: The Board of Directors is FEIB's ultimate decision-maker in market risk management. It is responsible for approving the market risk management strategy and regularly examining management results according to the overall operational strategy and business environment. 2. Risk Management Committee: Following the market risk strategy approved by the Board of Directors, the Risk Management Committee supervises the management mechanism of the Bank's market risk. 3. Risk Management Group: The RMG - Risk Control Department is responsible for market risk monitoring and reporting regularly to senior managers, the Risk Management Committee, and the Board of Directors. The Market Risk Management Office, reporting to the RMG - Risk Control Department and independent from the trading room (the Front Office) and operation desk (the Back Office), is responsible for executing market risk management. 4. Internal Audit Group: The Group is responsible for auditing risk management activities at least annually and making suggestions for improvement.
3. Scope and characteristics of market risk report and valuation system	1. Appraising positions using Mark-to-Market or Mark-to-Model to reflect position profit/loss on the valuation date. 2. The RMG - Risk Control Department reports management results and provides suggestions for improvement, including the Bank's position, risk exposure, profit and loss, limit control, and compliance with market risk policy, to senior management periodically. 3. Establishing a well-performing information system to effectively monitor all trading positions.
4. Policies of market risk hedging or mitigation, and strategies and procedures of monitoring effectiveness of risk hedging and mitigation 5. Approach applied to	1. Position limits and stop-loss limits for each financial instrument are set at the collective trading room level and the individual trader's level to control market risk exposure within a reasonable range. 2. All the Bank's trading positions are appraised using Mark-to-Market or Mark-to-Model in real time or daily. For hedging positions, the appraisal is done at least twice a month. Position limits and stop-loss limits are independently examined by the RMG - Risk Control Department.
Regulatory Capital Charge Standardized Approach.

(b) Market Risk Capital Requirement

	December 31, 2025	Unit: NT\$ thousands
	Type of risk	Capital requirement
1	General Interest Rate Risk	298,428
2	Equity Risk	348,369
3	Commodity Risk	0
4	Foreign Exchange Risk	329,336
5	Credit Spread Risk – Non-Securitization	100,872
6	Credit Spread Risk – Securitization (Non-Correlation Trading Portfolio)	0
7	Credit Spread Risk – Securitization (Correlation Trading Portfolio)	0
8	Default Risk – Non-Securitization	29,746
9	Default Risk – Securitization (Non-Correlation Trading Portfolio)	0
10	Default Risk – Securitization (Correlation Trading Portfolio)	0
11	Residual Risk Add-On (RRAO)	14,686
12	Total	1,121,437

E. Liquidity Risk – Asset and Liability Maturity Analysis and Management

To manage the Bank's deposit to meet loan and financial transaction growth. The Bank would adeptly adjust its funding strategy depending on market liquidity situation and the Central Bank's policies to optimize fund usage and lower liquidity risk. The Bank would manage the maturities of long-term and short-term securities to match the timing of loan drawdowns and repayments. The stability and allocation of deposits are emphasized to manage funding liquidity. The Bank follows capital liquidity control ratio to monitor and manage liquidity risk. The Capital liquidity control ratio and relevant analysis are regularly reported to the Asset and Liability Management Committee ("ALCO") and the Board of directors.

Maturity Analysis of Assets and Liabilities For New Taiwan dollar items

December 31, 2025 Unit: NT\$ Thousands
			Amount for Remaining Period to Maturity
	Total	0 Day to 10	11 Days to 30	31 Days to 90	91 Days to 180	181 Days to	Over One
		Days	Days	Days	Days	One Year	Year
Main capital inflow on maturity		858,639,589 117,280,928	117,727,558	123,562,222	70,883,607		94,219,356 334,965,918
Main capital outflow on maturity	1,107,742,639	48,784,451	91,875,245	147,979,506	180,964,653		342,202,187 295,936,597
Gap	(249,103,050)	68,496,477	25,852,313		(24,417,284) (110,081,046) (247,982,831)		39,029,321

Note: This table refers to the New Taiwan dollar amounts held by the Bank.

FOR U.S. DOLLAR ITEMS

December 31, 2025				Unit: US\$ thousands
			Amount for Remaining Period to Maturity
	Total	0 Day to 30 Days	31 Days to 90 Days	91 Days to 180 Days	181 Days to One Year	Over One Year
Main capital inflow on maturity	9,842,221	2,698,331	1,570,543	1,545,323	1,237,206	2,790,818
Main capital outflow on maturity	10,895,453	3,729,177	2,478,372	1,311,676	2,181,399	1,194,829
Gap	(1,053,232)	(1,030,846)	(907,829)	233,647	(944,193)	1,595,989

Note: This table refers to the U.S. dollar amounts held by the Bank.

(3) Impact of Domestic and International Policy and Legal Changes on Bank Operations and Responses

A. In response to amendments to the Directions Governing the Scope, Procedures, and Other Matters for Financial Institutions Reporting Material Contingencies issued by the Financial Supervisory Commission, the Bank amended its Regulations for Reporting Material Contingencies accordingly.
B. In response to amendments to the Securities and Exchange Act by the FSC, the Bank amended its Articles of Incorporation accordingly.
C. In response to amendments to the Criteria Governing Internal Control Systems of Securities Firms by the FSC, the Bank amended its internal rules governing proprietary bond trading conducted concurrently with securities business accordingly.
D. In response to an official letter from the Bankers Association of the Republic of China and amendments to the Money Laundering Control Act promulgated on July 31, 2024, the Bank amended its AML/CFT policies and procedures, including those covering trust business, electronic payment services, securities business, credit card business, name screening, customer due diligence, employee hiring and training, suspicious transaction reporting, risk assessment, and securities investment trust and consulting businesses.
E. In response to amendments to the Model Guidelines for Insurance Agent Companies' Anti-Money Laundering and Countering Terrorism Financing Policies and Procedures issued by the Chinese Insurance Agents Association of the Republic of China, the Bank amended its AML/CFT policies and procedures (including banks operating concurrently insurance agency business), along with related appendices.
F. In response to an official letter from the Bankers Association of the Republic of China, the Bank amended its FEIB Risk Management Standards in Response to International Sanctions accordingly.

In response to amendments to regulations including the Directions Governing the Scope, Procedures, and Other Matters for Financial Institutions Reporting Material Contingencies, the Securities and Exchange Act, the Criteria Governing Internal Control Systems of Securities Firms, and other AML/CFT-related regulations issued by the competent authorities in 2025, the Bank amended relevant internal regulations accordingly. These revisions further strengthened the Bank's internal control, legal compliance, and AML/CFT framework.

(4) Technological Changes (Including Cybersecurity Risks) and Industry Impact on Bank Operations

The bank is accelerating digital transformation. To prevent the growing threat of cyberattack and ensure the provision of secure, convenient, and uninterrupted financial services, we referred to reports from international cybersecurity vendors, aggregated cybersecurity threat intelligence, and followed the framework of the Financial Supervisory Commission's "Financial Cybersecurity Action Plan" to implement various cybersecurity management measures and advance cybersecurity collaboration:

A. Strengthening Cybersecurity Governance:
(a)Establishing a bank-wide cybersecurity culture, conducting online education and training on cybersecurity and personal data protection for all employees, as well as email social engineering drills.
(b)Continuously enhancing the training of cybersecurity professionals to grasp overall cybersecurity threat trends and improve cybersecurity capabilities. Encouraging staff to obtain relevant cybersecurity certifications, accumulating a total of 96 certifications by 2025, a 35.21% increase compared to 2024.
B. Enhancing Cybersecurity Monitoring:
(a) Commissioned a professional third-party cybersecurity firm to conduct a Red Team assessment to validate the effectiveness of the bank's defense mechanisms in July 2025.
(b) Implemented a Dynamic Application Security Testing (DAST) mechanism to enhance web security in October 2025.
(c) Completed the short-, medium-, and long-term blueprint for Zero Trust Architecture (ZTA) to strengthen personnel and device verification mechanisms in November 2025.
C. Enhancing security resilience:

Completed various cybersecurity drills to confirm the effectiveness of emergency response plans and procedures.

D. Empowering Cybersecurity Collaboration:
(a) Signed a "National Cybersecurity Collaboration and Intelligence Sharing Memorandum of Understanding" with the Ministry of Justice Investigation Bureau Taipei City Investigation Division every two years since April 2023 to obtain more comprehensive cybersecurity intelligence and enhance the bank's cybersecurity defense and response capabilities.
(b) In order to enhance the efficiency of cybersecurity collaboration, the bank's cybersecurity monitoring center has been interfaced with the regulatory authority's "Financial Security Operation Center" (F-SOC) to achieve the collaboration of cybersecurity with the industry and share threat alert information.

(5) Effect of Changes in Bank's Image on Crisis Management and Responding Measures

FEIB upholds the business philosophy of "Sincerity, Diligence, Thrift, Prudence, and Innovation," as core values. With a commitment to financial excellence in the Greater China region, the bank offers modern wealth solutions, protects consumer rights, and integrates CSR as a core value, engaging consistently in public welfare activities and maintaining a strong corporate reputation without operational disruptions.

(6) Expected Benefits, Possible Risks and Responding Measures for M&As

No mergers or acquisitions occurred in 2025.

(7) Expected Benefits, Possible Risks and Responding Measures for Network Expansion None.
(8) Risk of Business Concentration and Mitigation Measures

Corporate banking credit business is conducted in accordance with the regulations of the competent authorities and internal operating procedures. Additionally, a regular review and control mechanism has been implemented for credit cases within the same industry, group, related entities, and for the same client. In 2025, the proportion of corporate banking credit business by industry meets the target range.

(9) Ownership Changes – Risks and Impacts

No changes in control occurred, and no related risks were incurred.

(10) Large Shareholder Equity Changes – Risks and Impacts

As of the end of 2025 and the publication date, no directors underwent significant share transfers. Minor shareholding changes of few shareholders with ownership greater than 1% had no major impact to FEIB operation.

(11) Litigation or non-litigation matters

There are no major litigious, non-litigious or administrative disputes that could materially affect the rights and interests of depositors or shareholders or the prices of the Bank's securities.

(12) Other Important Risks and Responsive Procedures

None.

7. Crisis Response Mechanisms

(1) FEIB has established emergency and major disaster response protocols and formed a task force for disaster prevention, response, and recovery to ensure timely response and uninterrupted operations.
(2) A duty officer system is in place, including a chief duty officer responsible for managing emergency situations and overseeing timely reporting procedures.

8. Other Important Items

None.

VI. Special Disclosure

1. Summary of Affiliated Companies

Details available on the Market Observation Post System (MOPS) under: Single Company > Electronic Documents > Related Party Transactions Section.

2. Private Placement and Financial Debentures

Private Placement of Securities: None. Private Placement of Financial Debentures: None.

3. Other Major Supplementary Information

None.

4. Major Events Affecting Shareholders' Equity or Share Prices

None.

Headquarter and Branches

Operating Unit	Address	Telephone Number
Head Office	27F, No. 207, Dunhua S. Rd., Sec. 2, Da-an Dist., Taipei City 106,Taiwan	(886-2) 2378-6868
Business Department	1F, No. 207, Dunhua S. Rd., Sec. 2, Da-an Dist., Taipei City 106, Taiwan (886-2) 7722-8900
International Banking	2F, No. 30, Chongqing N. Rd., Sec. 1, Datong Dist., Taipei City 103,	(886-2) 2550-8811
Department	Taiwan

Offshore Banking Branch	2F, No. 30, Chongqing N. Rd., Sec. 1, Datong Dist., Taipei City 103, Taiwan	(886-2) 2550-8811
Trust Department	17F, No. 207, Dunhua S. Rd., Sec. 2, Da-an Dist., Taipei City 106,Taiwan	(886-2) 2312-3636
Credit Card Department	No. 33, Aly. 3, Ln 182, Wenhua Rd., Sec. 2, Banciao Dist, New Taipei City 220, Taiwan	(886-2) 8073-1166
Taipei Junghsiau Branch	1F, No. 112, Junghsiau E. Rd., Sec. 1, Zhongzheng Dist., Taipei City 100, Taiwan	(886-2) 2327-8898
Taipei Tungmen Branch	1-2F, No. 135, Sinyi Rd., Sec. 2, Zhongjheng Dist., Taipei City 100, Taiwan	(886-2) 2356-7711
Taipei Cheng Chung Branch	1F , 2F, No. 77, Chongqing S. Rd., Sec. 1, Zhongzheng Dist., Taipei City 100, Taiwan	(886-2) 2381-4567
Taipei Nanmen Branch	1F ,No. 40 , 2F , No. 38 , Roosevelt Rd., Zhongzheng Dist.,Sec. 1, Taipei City 100, Taiwan	(886-2) 2392-6955
Taipei Chungching Branch	1F , No. 30, Chungching N. Rd., Sec. 1, Datong Dist., Taipei City 103, Taiwan	(886-2) 2550-6600
Taipei Fuxing Branch	1F, No. 422, Fuxing N. Rd., Zhongshan Dist., Taipei City 104, Taiwan (886-2) 8101-0168
Taipei Sungjiang Branch	1-2F , No. 59, Songjiang Rd., Zhongshan Dist., Taipei City 104, Taiwan (886-2) 2505-5533

Taipei Nanjing East Road	1F, No. 101, Nanjing E. Rd., Sec. 3, Zhongshan Dist., Taipei City 104,	(886-2) 7702-9766
Branch	Taiwan
Taipei Sungshan Branch	1F, No. 171, Nanjing E. Rd., Sec. 5, Sungshan Dist., Taipei City 105, Taiwan	(886-2) 8787-6668
Taipei Tunnan Branch	13F, No. 207, Dunhua S. Rd., Sec. 2, Da-an Dist., Taipei City 106, Taiwan	(886-2) 7732-0086
Taipei Yungi Branch	1-2F , No. 7, No. 9, Jhongpo N. Rd., Shinyi Dist., Taipei City 110, Taiwan	(886-2) 8785-5788
Taipei ShingYi Branch	1-2F , No. 505,No. 507,No. 509, Guangfu S. Rd., Shinyi Dist., Taipei City 110, Taiwan	(886-2) 2720-7755
Taipei Yisen Branch	No. 200-3, 2F-1 , No. 200, Keelung Rd., Sec. 1, Shinyi Dist., Taipei City 110, Taiwan	(886-2) 2722-9558
Taipei Chengde Branch	1F , No. 83-1 , 1-2F , No. 83-2, Chengde Road, Sec. 4, Shilin Dist., Taipei City 111, Taiwan	(886-2)2885-0185
Shipai Branch	1-2F , No. 112,No.114, Sec. 2, Shipai Rd., Beitou Dist., Taipei City 112, Taiwan	(886-2) 2826-5688
Taipei Jinhu Branch	1-2F , No. 372, No. 374, No. 376, No. 378, Jinhu Rd., Neihu Dist., Taipei City 114 , Taiwan	(886-2) 2630-5788
Banciao Wenhua Branch	No. 1, No.3, Wenhua Rd., Sec. 2, Banciao Dist., New Taipei City 220, Taiwan	(886-2) 2255-6499
Banciao Nanya Branch	No. 172, Nanya S. Rd., Sec. 2, Banciao Dist., New Taipei City 220, Taiwan	(886-2) 8966-3339
	Banciao Zhongjeng Branch 1-2F ,No. 226, No. 228, Zhongjeng Rd., Banciao Dist., New Taipei City 220, Taiwan	(886-2) 2272-6088
Banciao Mega City Branch	1F, No. 18, Xinzhan Rd., Banciao Dist., New Taipei City 220, Taiwan	(886-2) 7729-0616
Sindian Branch	1-2F ,No. 96, No. 98 , Beixin Rd., Sec. 3, Sindian Dist., New Taipei City 231, Taiwan	(886-2) 2910-6060
Yunghe Branch	No. 222, No. 224, Fuhe Rd., Yungho Dist., New Taipei City 234, Taiwan (886-2) 2232-6500
Shuanghe Branch	1-2F , No. 535, No. 535-1, Zhonghe Rd., Yonghe Dist., New Taipei City (886-2) 7717-6668

Operating Unit	Address	Telephone Number
	234, Taiwan
Jhongli Branch	No. 1-2, No. 3, No. 3-1, Heping St., Jhongli Dist., New Taipei City 235, Taiwan	(886-2) 2945-1800
Sanchung Branch	1-2F , No. 46, No. 48, Fude N. Rd., Sanchung Dist., New Taipei City 241, Taiwan	(886-2) 8973-1133
Taipei Shinjuang Branch	1-2F , No. 688, Xingfu Rd., Shinjuang Dist., New Taipei City 242, Taiwan	(886-2) 8991-3366
Shingjuang Fuguo Branch	1-2F , No. 6, No. 8, No. 10 , Fuguo Rd., Shingjuang Dist., New Taipei City 242, Taiwan	(886-2) 2901-6868
Luzhou Branch	1F , No. 38, Sanmin Rd., Luzhou Dist. New Taipei City 247, Taiwan	(886-2) 7730-6978
Jhongli Branch	1-2F , 5F , No. 211, Huanbei Rd., Jhongli Dist. Taoyuan City 320, Taiwan	(886-3) 427-9696
Taoyuan Branch	1F, No. 78, Nanhua St., Taoyuan Dist., Taoyuan City 330, Taiwan	(886-3) 339-6339
Taoyuan Tashin Branch	1F, No. 6, Tashin W. Rd., Sec. 2, Taoyuan Dist., Taoyuan City 330, Taiwan	(886-3) 301-8966
Taoyuan Dayou Branch	1-2F , No. 480, No. 482, Dayou Rd., Taoyuan District, Taoyuan City 330, Taiwan	(886-3) 346-9688
Lin Ko Branch	1-2F , No. 227, Fuxing 1st Rd., Gueishan Dist., Taoyuan City 333, Taiwan	(886-3) 397-3888
Hsinchu Jinguo Branch	1-2F ,No. 118, Sec. 2, Dongda Rd., North Dist., Hsinchu City 300, Taiwan	(886-3) 533-3131
Hsinchu Science Based Industrial Park Branch	3F, No. 11, Yuanqu 2nd Rd., Hsinchu City 300, Taiwan	(886-3) 579-8833
Hsinchu BigCity Branch	No. 243, Zhongyang Rd., East Dist., Hsinchu City 300, Taiwan	(886-3) 533-8168
Jubei Branch	1-2F , No.39, No.41, Guangming 6th Rd., Jubei City, Hsinchu County 302, Taiwan	(886-3) 553-6699
Taichung Jihyu Branch	1F , No. 131, Jihyu Rd., Sec. 2, Central Dist., Taichung City 400, Taiwan (886-4) 2225-2008
Taichung Kungyi Branch	No. 367, Kungyi Rd., West Dist., Taichung City 403, Taiwan	(886-4) 2328-8666
Taichung Daya Branch	1-3F , No. 178, No. 180, Wenshing Rd., Sec. 4, North Dist., Taichung City 404, Taiwan	(886-4) 2297-3266
	Taichung Wenshing Branch 1-2F , No. 698, Wenshin Rd., Sec. 4, Beitun Dist., Taichung City 406, Taiwan	(886-4) 2230-6689
Dali Branch	1-2F , No. 121, Yimin Rd., Sec. 2, Dali Dist., Taichung City 412, Taiwan (886-4) 2482-3899
Taichung Chaofu Branch	1-2F ,No. 139, Chaofu Rd., Xitun Dist., Taichung City 407, Taiwan	(886-4) 2252-2256
Nantou Branch	No. 11, Sanhe 2nd Rd., Nantou City, Nantou County 540, Taiwan	(886-49) 222-3311
Chiayi Branch	No. 272, Wenhua Rd., East Dist., Chiayi City 600, Taiwan	(886-5) 278-5911
Tainan Branch	1-3F , No. 2, Dongmen Rd., Sec. 2, East Dist., Tainan City 701, Taiwan (886-6) 208-9898
Chungde Branch	No. 87, Chongdao Rd., East Dist., Tainan City 701, Taiwan	(886-6) 290-7290
Yungkang Branch	No. 37, Zhongzheng N. Rd., Yungkang Dist., Tainan City 710, Taiwan (886-6) 253-0400
Kaohsiung Chungcheng	1F ,No. 49, Chungcheng 4th Rd., Xinxing Dist., Kaohsiung City 800,	(886-7) 251-8199
Branch	Taiwan
Kaohsiung Culture Center Branch	1-2F , No. 94-24, No. 94-25, No. 96, Siwei 2nd Rd., Lingya Dist., Kaohsiung City 802, Taiwan	(886-7) 715-5678
Kaohsiung Wufu Branch	1F , No. 106, Dayong Rd., Yancheng Dist., Kaohsiung City 803, Taiwan (886-7) 533-3820
Kaohsiung Boai Branch	1-3F ,No. 578, Boai 2nd Rd., Zuoying Dist., Kaohsiung City 813, Taiwan (886-7) 557-6161
Hong Kong Branch	20F, No. 8, Queen's Road Central, Central, Hong Kong	(852) 2167-8183
Ho Chi Minh City	Unit #803, 8F of Royal Tower A, Royal Centre Building, 235 Nguyen	(84)28-35359075
Representative Office	Van Cu, District 1, Ho Chi Minh City, Vietnam
Singapore Representative Office	2 Shenton Way, #17-04 SGX Centre 1, Singapore 068804	(65)6223-3036

AI assistant

FEIB — Annual Report 2025

52204_rns_2026-04-30_29d123a1-5c98-4878-a9f9-75e896d13bf7.pdf

Spokesperson

Acting Spokesperson

Headquarter and branches address and telephone

Stock Agent

Credit Rating Institution

Recent Annual Financial Statement Auditor

Name of Exchange of Overseas Securities and Inquiry Contact

Our website

CONTENTS

CONTENTS

Chairperson's Message

Operating Results for 2025

1. Business Plan and Operating Results (by consolidated financials)

2. Ratings

3. Research and Development

4. Organization Changes

5. Impact of External Competitive, Regulatory, and Macroeconomic Environments

Operating Plans for 2026

1. Operating Goals

2. Policies and Major Strategies

2025 Annual Report II. Corporate Governance Report 1. Information on Directors, Management Team, Department Heads, Branch Managers and Consultants (1) Directors A. Directors' Shareholding and Major Educational (professional) Background December 31, 2025

Table 1: Major Shareholders of Institutional Shareholders

Table 2: Major Shareholders of Table 1 Major Shareholders as Institutional Shareholders

B. Directors' Professional Qualifications and Independence

(2) President, Executive Vice President, Deputy Executive Vice President and Department Heads

(3) Information of the Bank's Consultants Retiring from the Bank or Its Affiliates as Chairman or President

Remuneration Range of President and Executive Vice President

C. Remuneration of Managers

(6) Analysis of Directors, President, and Executive Vice Presidents' Remuneration over the Past Two Years, and Its Proportion to Net Income

A. Remuneration Amount and Net Income Proportion for the Past Two Years.

2. Implementation of Corporate Governance

(1) Information for the Operations of the Board of Directors

Performance Evaluation Implementation of the Board and Functional Committees:

(2) Information for the Operations of Audit Committee

é Communication between Independent Directors and the Chief Auditor:

(3) Information for the Operations of the Corporate Sustainability Committee

B. Responsibilities of the Corporate Sustainability Committee

C. Nomination Committee Attendance

(6) FEIB Corporate Governance Implementation Status and Deviations

Table 3ǺIntellectual Property Management Plan and Policy

(7) Composition, Responsibilities and Operations of the Remuneration Committee

December 31, 2025

(8) Sustainability Development, Implementation and Deviations

Bank's climate - related information

1. Implementation status for climate - related information

GHG Inventory and Verification status for the last two years

2. Greenhouse Gas Reduction Targets, Strategies, and Action Plans

(9) Ethical Corporate Management

(10) Other Corporate Governance Information

(11) Internal Control System

(12) Major Resolutions of Shareholders' Meeting and Board Meetings

A. Major resolutions of Shareholders' Meeting

B. Major Resolutions of Board Meetings

(13) Major Issues of Record or Written Statements Made by Any Director or Supervisor Dissenting to Important Resolutions Passed by the Board of Directors:

3. Information on CPA audit fees

4. Replacement of CPAs

(1) Regarding the former CPA

(2) Regarding the successor CPA

6. The Changes in Shareholding

7. Relationship among the Top Ten Shareholders

8. Shareholding in Affiliated Enterprises

III. Fund Raising Activities

1. Capital and Shares

(1) Sources of Capital

Unit: share, NT\$ million March 31, 2026

B. Authorized Capital

(2) Major Shareholders

(3) Dividend Policy and Implementation Status

A. Dividend Policy

B. Proposed Distribution of Dividend

(4) Impact of Stock Dividends on Operating Results, Earnings per Share and Shareholders' Return on Investment:

(5) Remuneration for Employees and Directors

3. Issuance of Preferred Stock

4. Issuance of Global Depository Receipts

5. Issuance of Employee Stock Options

6. Issuance of New Restricted Shares to Employee

7. Mergers and Acquisitions

FEIB Annual Report 2025