FEIB — Investor Presentation 2021

Aug 18, 2021

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法人說明會

2Q’2021

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8/18’2021

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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觀光旅館事業
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社會公益事業
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• 擁有4家公司

• 元智大學

• 香格里拉台北遠東國際大 飯店

• 亞東技術學院

• 正積極打造「遠東通訊數 位園區」，及規劃宜蘭休 – 台南遠東國際大飯店 – 閒度假中心 – 屢獲「全球500大飯店」等 殊榮 – 豫章工商

• 亞東紀念醫院

• 遠東聯合診所

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內容大綱

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財務概況 未來經營策略

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資產&淨值

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 資產

(新臺幣十億元)

 淨值

(新臺幣十億元)

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YoY YoY YoY YoY
+3.8% +7.0% +3.1% +2.3%
680 700
655 654 49
36 36 47 49 48 0
36 40 35 36 0 1 1
36 29
13
13 12
211 13
198 221 196
34 35 35 36
385 383 393 416 +9%
2019 2020 2Q'20 2Q'21 2019 2020 2Q'20 2Q'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：合併數字

放款&存款

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77 70 27 37 59 50 128 129 99 102 2019 2020 390 389 +5.7% YoY 399 422 -7% +17% -0.3% YoY 74 89 37 41 59 55 127 134 101 103 2Q'2020 2Q'2021 +5% 總放款 (新臺幣十億元)  國內法人  消費者貸款  海外  房貸(不含理財型)  國內中小企	130 150 294 321 60 66 52 47 2Q'2020 2Q'2021 122 136 321 329 32 71 64 46 2019 2020 537 582 +9.0% YoY 536 584 +15% +11% +8.3% YoY 存款 (新臺幣十億元)  臺幣活期  外幣定期  臺幣定期  外幣活期	130 150 294 321 60 66 52 47 2Q'2020 2Q'2021 +9.0% YoY 536 584 +15% +11%

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資料來源：合併數字 / 自結數

資產品質

 逾期放款比率

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0.51%
0.41%
0.38%
0.28%
0.25%
0.22% 0.22% 0.21%
YE’19 2Q’20 YE’20 2Q’21
 放款覆蓋率
1.46%
1.42%
1.39%
1.38%
1.40%
1.37%
1.37%
1.34%
YE’19 Dec'19 May'202Q’20 YE’20 Dec'20 May'212Q’21
資料來源：合併財報 / 金管會報告
同業：36家商業銀行36家商業銀行家商業銀行(不包含輸出入銀行) 不包含輸出入銀行)  同業
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同業：36家商業銀行36家商業銀行家商業銀行(不包含輸出入銀行)

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 逾放備抵呆帳覆蓋率

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649% 621% 645%
547%
513%
341% 366%
286%
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Dec'19YE’19 2Q’20 YE’20 2Q’21May'20 Dec'20 May'21

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 提存費用 YoY
(新臺幣十億元)
+14.6%
1.88
0.80
0.4 0.70
0.21
0.92 0.19
0.4 1.5
0.59
0.51
0.5
2019 2020 2Q'201H’20 2Q'1H’ 21
 淨提存費用  壞帳收回 6
 本行
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流動性

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 活存比

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 存放比 36.58% 36.99%
35.43%
74.91% 74.78% 29.51%
72.96%
72.23%
74.48%
72.62%
2019 2Q'20 2020 2Q'21
69.77%
 流動性覆蓋率
66.81%
142.42%
128.51%
124.91% 123.59%
2019 2Q'20 2020 2Q'21
 餘額  平均餘額
2019 2Q'20 2020 2Q'21
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資料來源：合併數字 / 遠銀官網 / 自結數

獲利能力

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 淨收益

(新臺幣十億元)

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(新臺幣十億元) YoY
-1.0%
11.7 11.2
5.6 5.6
0.3
0.4 0.2 0.2
2.5 1.3 0.7 0.6
3.5 1.8 1.6
3.5
5.5 6.0 3.0 3.2 +9%
2019 2020 2Q'1H’ 20 1H’2Q' 21
 淨利收  淨手收  金融交易  其他
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 金融交易損益

YoY

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(新臺幣百萬元)
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-19.1%
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399
(24%)
303
172 6%
162
125 38 (70%)
52 184%
(62)
2Q'201H’20 1H’21 2Q'21
 股票  債券  信用連結  其他衍生性商品
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 提存前盈餘

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YoY
(新臺幣十億元)
-4.2%
4.8
4.4
2.3 2.2
2019 2020 2Q'201H’20 2Q'1H’ 21
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 稅前盈餘
(新臺幣十億元)
4.3
2.9
2019 2020
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YoY
-9.6%
1.8 1.6
1H’20 2Q'20 2Q'211H’21
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資料來源：合併數字

獲利能力

 利差

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1.04%
1.03%
1.02%
0.99%
2019 1H’202Q'20 2020 1H’212Q'21
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 稅後資產報酬率

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0.57%
0.50%
0.42%
0.38%
2019 2Q'1H’ 20 2020 1H’212Q'21
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 放款收益率* & 平均放款餘額

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1.20%
1.16% 1.14%
1.08%
(NT$Bn)
389 399 399 422
2019 2Q'1H’ 20 2020 2Q'211H’21
=(平均放款收益 – 平均存款成本) / 平均放款餘額
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 稅後股東權益報酬率

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7.89%
6.80%
5.94%
5.25%
2019 2Q'1H’ 20 2020 1H’212Q'21
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*年化後 資料來源：合併數字/ 遠銀官網

資本適足性

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 普通股權益資本比率 (個體數)

 資本適足率(個體數)

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11.03%
14.10% 14.00%
13.65%
13.60%
10.52%
10.53% 10.51%
10.99% 10.98% 11.49% 10.94%
2019 2Q'20 2020 2Q'21 2019 2Q'20 2020 2Q'21
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2019 2Q'20 2020 2Q'21
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 第一類資本比率  第二類資本比率

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資料來源：自結數

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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數位轉型精進

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 獲客率:

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(2Q’21)
72
41
(%) 6 9
1’191'108 12 ’' 1 908 12'10912’20 6 ’2'1 1 0
 離櫃率: 95% (2Q’21)
(%)
98 97
84
75
Fintech 60
Trasnsfer Withdrawl轉帳 提款 Fund基金 Exhange換匯 Deposit存款
Taiwan’s
 自動化流程
best digital bank
 機器人自動化流程
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 大數據

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 Smart RM
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Taiwan’s best digital bank  社群銀行

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資產穩健成長

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資產:

YE’21 預算: NT$705 bn.

2Q’21: NT$700 bn.

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存款:
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YE’21 預算: NT$576 bn. 2Q’21 : NT$584 bn.

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放款:

YE’21 預算: NT$434 bn 2Q’21: NT$ 422 bn. 管道:  企業放款

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獲利能力提升

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個人金融
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投資
貸款
高利潤房貸
信託業務
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法人金融
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產業：
生物科技 資訊服務
金融機構
基礎建設
(水、煤氣、電力)
企業集團
(汽車)
類型：
 併購
 專案融資
 CAPEX
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ESG 策略

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• 自有行舍設置太陽能光電板

環境

社會

• 2021 亞洲最佳僱主品牌 - HR Asia

• 用樂家+卡消費，刷卡金將捐贈 予 世界展望會

 購買 綠 電

公司治理

• 2020 CSR 報告書- 6’21

• 增加綠色授信

• TCFD 諮詢

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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

(Consolidated)	December	31
	2019	2020	2Q'2020	2Q'2021	YoY
Key balance sheet items
Gross loans	390,200	388,857	398,840	421,659	5.7%
Total assets	654,888	680,291	653,811	699,581	7.0%
Deposits and remittances	537,396	582,153	535,513	583,844	9.0%
Total shareholders’ equity	47,284	48,744	47,704	48,782	2.3%
BVPS(不含待發行股本)	14.09	14.14	14.22	14.15	-0.5%
BVPS(含待發行股本)	14.09	14.14	13.83	13.88	0.4%
Key income statement items
Net interest income	5,458	6,037	2,963	3,228	8.9%
Net fee income	3,471	3,514	1,800	1,585	-11.9%
Earnings before Provision	4,769	4,353	2,330	2,232	-4.2%
Net income	3,633	2,519	1,615	1,449	-10.3%
EPS	1.05	0.73	0.47	0.42	-10.6%
Key ratios
NIM (unconsolidated)	0.99%	1.03%	1.04%	1.02%	-2 bp
Cost to income ratio	59.32%	61.19%	58.70%	60.01%	+1.31 PCtp
ROE	7.89%	5.25%	6.80%	5.94%	-0.86 Pctp
ROA	0.57%	0.38%	0.50%	0.42%	-8 bp
LDR(不含匯款)	72.62%	66.81%	74.48%	72.23%	-2.25 PCtp
NPL ratio	0.28%	0.51%	0.41%	0.38%	-3 bp
Coverage ratio	513%	286%	341%	366%	+25 PCtp
CET 1 ratio (unconsolidated)	10.53%	11.03%	10.52%	10.51%	-1 bp
Tier 1 ratio (unconsolidated)	10.99%	11.49%	10.98%	10.94%	-4 bp
Total CAR (unconsolidated)	13.60%	14.10%	13.65%	14.00%	+35 bp	17

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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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