FEIB — Interim / Quarterly Report 2021

Nov 12, 2021

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法人說明會

3Q’2021

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11/12’2021

遠東集團事業

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• 創始於1937年

• 業務範圍涵蓋10個主要產業

• 9家公開上市公司分別於台灣及香港掛牌

• 總資產NT$2,848 Bn. (YE2020)

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

• 14家公司，橫跨多種金融服 務領域

• 11家公司，位於台灣及中 國

• 38家公司，遍佈台灣、中 國、越南及美國

• – 集團聚酯聚合年產能超過 272萬噸，為全球前三大聚 酯製造商

• 30家公司，位於台灣及中 國市場

• – 主要事業亞泥年產量已達 4,100萬噸，躋身大陸水泥 前十大集團

• 總營業額已逾台幣1,148億 元

• 遠東商銀為主要金融事業體

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

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海陸運輸事業

• 經營14家公司

• 旗艦公司裕民航運經營船 隊總數48艘，載重量達 671萬噸

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通訊網路事業

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

• 遠傳取得3.5Ghz及28Ghz 5G頻譜執照

• 轉投資遠通電收,用戶超過 700萬戶,車次超過18億次

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營造建築事業
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• 擁有4家公司

• 正積極打造「遠東通訊數 位園區」，及規劃宜蘭休 閒度假中心

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觀光旅館事業
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社會公益事業
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• 元智大學

• 香格里拉台北遠東國際大 飯店

• 亞東技術學院

• 台南遠東國際大飯店

• 亞東紀念醫院

• – 屢獲「全球500大飯店」等 殊榮 – 豫章工商

• 遠東聯合診所

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內容大綱

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財務概況
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未來經營策略

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資產&淨值

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 資產  淨值
(新臺幣十億元) (新臺幣十億元)
YoY YoY YoY YoY
+3.8% +5.4% +3.1% +1.9%
680 704
655 668 49
36 34 47 49 48 0
36 40 34 53 0 1 1
36 45
13
13
13
13
190
198 221 189
34 35 35 36
427 +7%
385 383 400
2019 2020 3Q'20 3Q'21 2019 2020 3Q'20 3Q'21
 放款  金融資產  現金&存款  應收&其他  股本&資本公積  保留盈餘
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 其他綜合損益
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資料來源：合併報表

放款&存款

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80 97 38 45 59 55 138 144 92 93 3Q'2020 3Q'2021 77 70 27 37 59 50 128 129 99 102 2019 2020 390 389 +6.6% 406 433 -7% +21% -0.3% +4% 3Q’20 3Q’21 總放款 (新臺幣十億元) YoY YoY  國內法人  消費者貸款  海外  房貸(不含理財型)  國內中小企	122 136 321 329 32 71 64 46 2019 2020 537 582 YoY +8.3% 存款 (新臺幣十億元)	128 154 312 314 74 75 45 51 3Q'2020 3Q'2021 +6.5% 558 594 +21% +13% 3Q’20 3Q’21 YoY  外幣定期  外幣活期
	 臺幣活期  臺幣定期

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資料來源：合併報表 / 自結數

資產品質

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 逾期放款比率

0.51%

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0.40%
0.29%
0.28%
0.24%
0.22% 0.22%
0.20%
YE'19 Aug'20 * YE'20 Aug'21
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出售/ 轉銷呆帳:
 PAJUN Aviation Leasing
 康友-KY
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 備抵呆帳覆蓋率

 放款覆蓋率

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678%
649% 621%
565%
513% 467%
360%
286%
YE'19 Aug'20 * YE'20 Aug'21
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1.46%
1.43%
1.42%
1.40% 1.35%
467% 1.38%
1.37%
1.34%
Aug'21 * YE'19 Aug'20 * YE'20 Aug'21
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 同業  本行
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*備註：金管會尚未公布9月數字 資料來源：金管會報告 同業：37家商業銀行(不包含輸出入銀行)

流動性

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 活存比
38.68%
36.58%
 存放比 36.16%
29.51%
72.99%
72.62% 72.87%
71.95%
72.38%
69.92%
70.02% 2019 3Q'20 2020 3Q'21
 流動覆蓋比
66.81% 142.42%
124.91%
124.71% 125.50%
2019 3Q'20 2020 3Q'21
 同業  本行
2019 3Q'20 2020 3Q'21
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資料來源：合併報表 / 遠銀官網 / 自結數 / 金管會 同業：37家商業銀行(不包含輸出入銀行)

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獲利能力

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 淨收益 (新臺幣十億元)

 營業費用佔比

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YoY
61.2%
-4.3% 59.9%
YoY 59.3% 58.9%
11.7
11.2
-1.7%
0.3
0.4
2.5 1.3
8.5 8.4
0.2
0.3
1.2 0.9
3.5 2019 Y-T-Sep‘203Q'20 2020 Y-T-Sep‘213Q'21
3.5
2.3
2.7
 稅前盈餘
(新臺幣十億元)
YoY YoY
6.0
5.5 5.0 +11% 4.3
4.5 -28.4%
-5.2%
2.9
2.6 2.5
2019 2020 Y-T-Sep‘203Q'20 Y-T-Sep‘213Q'21
 淨利收  淨手收  金融交易  其他
2019 2020 Y-T-Sep‘203Q'20 Y-T-Sep‘213Q'21
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資料來源：合併報表

利差

 淨利差

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1.12%
1.03%
1.01%
0.99%
2019 3Q'20 2020 3Q'21
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 放存利差

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1.49%
1.41%
1.39%
1.37%
2019 3Q'20 2020 3Q'21
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 放款利率 & 平均放款餘額
2.39%
2.20%
2.04%
1.79%
(新臺幣十億元)
389 400 399 410
2019 3Q'20 2020 3Q'21
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 存款利率 & 平均存款餘額
0.98%
0.71%
0.65%
0.42%
(新臺幣十億元)
519 537 547 584
2019 3Q'20 2020 3Q'21
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資料來源：合併報表 / 遠銀官網

淨獲利能力

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 每股盈餘

 稅後資產報酬率

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0.57%
0.47%
0.43%
0.38%
1.05
0.73
0.66
0.63
2019 3Q'20 2020 3Q'21
 稅後股東權益報酬率
7.89%
6.49%
2019 Y-T-Sep‘203Q'20 2020 Y-T-Sep‘213Q'21 6.03%
5.25%
2019 3Q'20 2020 3Q'21
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*年化後數字 資料來源：合併報表 / 遠銀官網

資本適足性

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 淨值 & 風險性資產 (個體數) +8.1%
(新臺幣十億元)

普通股權益資本比率(個體數)
441
432
416
408
48 49 49
47
11.03%
2019 3Q'20 2020 3Q'21
 權益  風險性資產
10.53%
10.47%
10.34%  資本適足率 (個體數)
14.10%
13.60% 13.54%
13.07%
2019 3Q'20 2020 3Q'21
10.99% 10.78% 11.49% 10.89%
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2019 3Q'20 2020
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 第一類資本比率  第二類資本比率
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3Q'21

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資料來源：合併報表 / 自結數

信用評等

 遠銀信評 (10/26’21):

個別實力評等 bbb 外國貨幣長期IDR BBB 外國貨幣短期IDR F3 國內長期評等 A+(twn) 國內短期評等 F1(twn) 支援評等 4 展望 Stable

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 台灣主權評級

 升級  外國貨幣長期IDR : AA-  AA

 遠銀穩定經營  維持適中的風險胃納  充足的損失吸收緩衝

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資料來源：惠普信評報告

內容大綱

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財務概況

未來經營策略

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加速數位化

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流程自動化

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金融服務平台

數位品牌

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離櫃率 獲客率 95% 54%

APP滲透率 30%

Bankee 客戶數#: 110,000 + 存款: NT$ 6 Bn.+

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個人金融

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整合: One Team for One

信託2.0

• 樂齡養老信託

• 員工福利信託

高利差商品

• 理財型房貸

• PI、高消費、 高資產客戶

投資&貸款

• Fee income vs NII: 0.4:1 0.6:1

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法人金融

提升海外放款

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主辦國際聯貸
 手續費收入 (NT$MM)
116
65
1H'21 2H'21 (F)
型態: 購併,股權收購
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新加坡辦事處
-10/15’21
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地區別企業授信
(%)
10 9 (%)
14 16
9’20 9’21
75
76
 台灣 海外  中國大陸
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ESG 策略

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社會

環境

• ESG 授信制度

• ISO 50001 能源管 理系統

• 遠銀2022 月曆:台灣 美術館 巡禮

• 2021 台灣 運動 企業

(教育部獎項)

• 混合式 辦公模式

• YoY -5.37 % - 用電

量 (3Q’21)

公司治理

• 企業 永續 委員會

• BSI 2021 永續韌性傑出獎

• 誠信經營工作小組

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內容大綱

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附錄

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財務數據摘要

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(NT$ m, except percentages and per share data)

	As of or for 12 months ended	As of or for 12 months ended
(Consolidated)	December 31
	2019	2020	3Q'2020	3Q'2021	YoY
Key balance sheet items
Gross loans	390,200	388,857	406,129	433,101	6.6%
Total assets	654,888	680,291	668,201	704,149	5.4%
Deposits and remittances	537,396	582,153	557,348	593,837	6.5%
Total shareholders’ equity	47,284	48,744	48,423	49,352	1.9%
BVPS	14.09	14.14	14.04	14.04	0.0%
Key income statement items
Net interest income	5,458	6,037	4,477	4,952	10.6%
Net fee income	3,471	3,514	2,720	2,291	-15.8%
Earnings before Provision	4,769	4,353	3,512	3,370	-4.0%
Net income	3,633	2,519	2,331	2,215	-5.0%
EPS(Q3 unannualized)	1.05	0.73	0.66	0.63	-4.5%
Key ratios
NIM (unconsolidated)	0.99%	1.03%	1.12%	1.01%	-11 bp
Cost to income ratio	59.32%	61.19%	58.85%	59.85%	+1 Pctp
ROE (annualized)	7.89%	5.25%	6.49%	6.03%	-46 bp
ROA (annualized)	0.57%	0.38%	0.51%	0.43%	-8 bp
LDR(不含匯款)	72.62%	66.81%	72.87%	72.99%	+12 bp
NPL ratio	0.28%	0.51%	0.48%	0.25%	-23 bp
Coverage ratio	513%	286%	300%	538%	+238 PctP
CET 1 ratio (unconsolidated)	10.53%	11.03%	10.34%	10.47%	+13 bp
Tier 1 ratio (unconsolidated)	10.99%	11.49%	10.78%	10.89%	+11 bp
Total CAR (unconsolidated)	13.60%	14.10%	13.07%	13.54%	+47 bp

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THANK YOU

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Disclaimer

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

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

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