FEIB — Investor Presentation 2021

May 27, 2021

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法人說明會

1Q’2021

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5/27’2021

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遠東集團事業

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• 創始於1937年

• 業務範圍涵蓋10個主要產業

• 9家公開上市公司分別於台灣及香港掛牌

• 總資產NT$2,848 Bn. (YE2020)

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

• 14家公司，橫跨多種金融服 務領域

• 11家公司，位於台灣及中 國

• 38家公司，遍佈台灣、中 國、越南及美國

• – 集團聚酯聚合年產能超過 272萬噸，為全球前三大聚 酯製造商

• 30家公司，位於台灣及中 國市場

• 總營業額已逾台幣1,148億 元

• 遠東商銀為主要金融事業體

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

• 主要事業亞泥年產量已達 4,100萬噸，躋身大陸水泥 前十大集團

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海陸運輸事業

• 經營14家公司

• 旗艦公司裕民航運經營船 隊總數48艘，載重量達 671萬噸

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通訊網路事業

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

• 遠傳取得3.5Ghz及28Ghz 5G頻譜執照

• 轉投資遠通電收,用戶超過 700萬戶,車次超過18億次

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營造建築事業
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• 擁有4家公司

• 正積極打造「遠東通訊數 位園區」，及規劃宜蘭休 閒度假中心

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觀光旅館事業
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社會公益事業
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• 元智大學

• 香格里拉台北遠東國際大 飯店

• 亞東技術學院

• 台南遠東國際大飯店

• 亞東紀念醫院

• – 屢獲「全球500大飯店」等 殊榮 – 豫章工商

• 遠東聯合診所

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財務概況 內容大綱

未來經營策略

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2021 信用評等

 惠譽確認遠銀評等

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 評等理由

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(DD: 5/7’21) :

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

 台灣銀行展望 「 「  a/負向」  a/穩定」

 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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資產&淨值

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 資產
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(新臺幣十億元)
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YoY
+0.3%
680 678 680
655
36 36 36
36
40 44 36
36
198 221 199 209
385 383 400 399
2019 2020 1Q'20 1Q'21
 放款  金融資產  現金&存款  應收&其他
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 淨值
(新臺幣十億元)
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YoY
+4.2%
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50
49 47 1
47
0
0 1
14
13
13
13
34 35 34 35
2019 2020 1Q'20 1Q'21
 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：合併財報

放款&存款

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 總放款

(新臺幣十億元)

 存款

(新臺幣十億元)

77 70 27 37 59 50 128 129 99 102 2019 2020 390 389  國內法人  房貸(不含理財型) 	-0.2% YoY 74 73 35 39 62 53 137 139 97 101 Q1'2020 Q1'2021 405 405 1Q’20 1Q’21  消費者貸款  海外 國內中小企 +2% -15% +11%	122 136 321 329 32 71 64 46 2019 2020 537 582 +4.8% YoY 124 138 317 312 33 69 69 51 Q1'2020 Q1'2021 543 569 1Q’20 1Q’21  臺幣活期  外幣定期  臺幣定期  外幣活期 +11% +109%	+4.8% YoY 124 138 317 312 33 69 69 51 Q1'2020 Q1'2021 543 569 1Q’20 1Q’21 +11% +109%

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資料來源：合併財報/自結數

流動性

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 活存比

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36.58% 37.37%
 存放比
29.95%
29.51%
74.62%
72.62%
73.18% 71.20%
2019 1Q'20 2020 1Q'21
67.54%
67.54%
 流動性覆蓋率
142.42%
66.81% 136.89%
124.91%
118.99%
2019 1Q'20 2020 1Q'21
2019 1Q'20 2020 1Q'21
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資料來源：合併財報 / 遠銀官網 / 自結數

資產品質

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逾期放款比率

逾放備抵呆帳覆蓋率

放款覆蓋率

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0.51% 0.52% 649%
567% 596% 1.46%
621% 1.42%
513% 1.38%
1.38%
0.31% 424% 1.40%
1.37%
0.28%
1.35%
286%
265%
1.32%
0.22% 0.24% 0.22% [0.23%]
YE’19 1Q’20 YE’20 1Q’21Dec'19 Mar'20 Dec'20 Mar'21 Dec'19YE’19 1Q’Mar' 20 YE’20 1Q’21Dec'20 Mar'21 Dec'19YE’19 1Q’20 YE’Mar'20 Dec' 20 1Q’21Mar'21
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 同業  本行

資料來源：合併財報 / 金管會報告

同業：35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  金融交易損益
(新臺幣十億元) YoY YoY
(新臺幣百萬元)
39%
+23.1% 182
11.7 11.2 2.7 131 120%
2.2
0.3 78 (103%)
2.5 0.4 1.3 0.1 0.1 0.3 222% 72 (2) 28 128%
(99)
3.5 1.0 0.9
3.5
(386)
5.5 6.0 1.5 1.6
-0.2
2019 2020 1Q'20 1Q'21
1Q'20 1Q'21
 淨利收  淨手收  金融交易  其他  股票  債券  信用連結  其他衍生性商品
 提存費用  稅前盈餘
YoY
YoY
(新臺幣十億元)
(新臺幣十億元)
1.88 +129%
-23.4%
3.5
0.34
0.4
0.26 2.5 0.9
0.1
0.92
0.1
0.4 1.5 0.4
0.2
0.5 0.1
2019 2020 1Q'20 1Q'21 2019 2020 1Q'20 1Q'21
 淨提存費用  壞帳收回 9
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資料來源：合併財報
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獲利能力

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 平均存放款利率

 放款收益率* & 平均放款餘額

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2.39%
2.28%
2.04%
1.84%
0.98%
0.85%
0.66%
0.46%
2019 1Q'20 2020 1Q'201Q’21
 存款  放款
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1.18%
1.15% 1.14%
1.08%
(新臺幣十億元)
389 398 399 398
2019 1Q'20 2020 1Q'21
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• =淨放款收益/ 平均放款餘額

 稅後資產報酬率

 稅後股東權益報酬率

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0.57%
0.48%
0.38%
0.24%
2019 1Q'20 2020 1Q'21
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7.89%
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6.52%
5.25%
3.20%
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1Q'20

1Q'21

2019

2020

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*年化後

資料來源：合併財報/ 遠銀官網

資本適足性

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 普通股權益資本比率 (個體財報數)

 資本適足率(個體財報數)

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11.03% 14.10%
13.60% 13.53%
13.25%
10.65%
10.53%
10.25%
10.99% 10.70% 11.49% 11.08%
2019 1Q'20 2020 1Q'21 2019 1Q'20 2020 1Q'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

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財務概況 內容大綱 未來經營策略

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個人金融

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基金投資

• 手續費收入 YoY

+7% (1Q’21)

• 後疫情時期著重多 重資產，高收益投 資商品

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保險

• 手續費收入 YoY

+25% (1Q’21)

• 後疫情時期著重投資 型保單

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信用卡

• 簽帳金額 YoY +7% (1Q’21)

• 提高活卡率

• 聚焦每卡高簽帳

消費者貸款

• 放款餘額 YoY +2%

(1Q’21)

• 著重循環型及回復型 房，信貸

• 領先的策盟消金利基 放款

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數位金融

 集團綜效

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 證券劃撥
帳戶
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 金融大平台

• P2B網路借貸 平台

• 租金管理資訊 平台

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 獲客率

58.4% (3’21) 80 % 50 32 Deposit存款 Credit Card信用卡 consumer信貸 loans

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 離櫃率
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93.2% (3’21)

97 96 83 73 57 %

轉帳 提款 基金 換匯 存款 Transfer Withdraw Fund Exchange Deposit

• Mastercard 小額跨境匯款

• 社群銀行 個人貸款

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法人金融

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聚焦國內市場

• 中小企業放款 +11% (1Q’21)

• 聚焦不動產融資

• 增加目標客群

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嚴控資產品質

• 檢討違約案例，彙整企業 違約徵兆，列入徵審參考

• 強化大陸及海外地區授信 客戶篩選及貸後風險管理

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調整海外市場

• 聚焦國際聯貸&結構 性融資

• 新加坡辦事處開業

• in 6’21

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ESG 策略

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環境 社會

公司治理

• 氣候變遷風險  供應商評鑑 –

• 相關財務揭露 in 6’21

• ESG 授信專案

 2020 公司治理評鑑 結果

• 上市公司前 6~20%

• 金融業前 41~60%

• 2020企業社會責任 報告書

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附錄 內容大綱

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財務數據摘要

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

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(Consolidated) Key balance sheet items Gross loans Total assets Deposits and remittances Total shareholders’ equity BVPS	As of or for 12 months ended December 31
	2019 2020 1Q'2020 1Q'2021 YoY
	390,200 388,857 405,032 404,970 -0.02% 654,888 680,047 678,085 679,981 0.28% 537,396 582,153 542,827 568,807 4.79% 47,284 48,744 47,451 49,447 4.21% 14.09 14.14 14.14 14.34 0.20%
Key income statement items Net interest income Net fee income Earnings before Provision Net income EPS	5,458 6,037 1,474 1,594 8.14% 3,471 3,514 957 864 -9.72% 4,769 4,353 635 1,056 66.30% 3,633 2,519 379 799 110.82% 1.05 0.73 0.11 0.23 109.09%
Key ratios NIM (unconsolidated) Cost to income ratio ROE (annualized) ROA (annualized) LDR(不含匯款) NPL ratio Coverage ratio CET 1 ratio (unconsolidated) Tier 1 ratio (unconsolidated) Total CAR (unconsolidated)	1.01% 1.03% 1.05% 1.03% -2bp 59.32% 61.19% 72.36% 62.71% -9.65 Pctp 7.89% 5.25% 3.20% 6.52% +3.32 Pctp 0.57% 0.38% 0.24% 0.48% +24 bp 72.62% 66.81% 74.62% 71.20% -3.42 Pctp 0.28% 0.51% 0.31% 0.52% +21 bp 513% 286% 424% 265% -159 PctP 10.53% 11.03% 10.25% 10.65% +40 bp 10.99% 11.49% 10.70% 11.08% +38 bp 13.60% 14.10% 13.25% 13.53% +28 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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