FEIB — Investor Presentation 2026

May 28, 2026

Investor Conference

1Q'2026

遠東國際商業銀行
Far Eastern Int'l Bank
5/28'2026

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遠東國際商業銀行

Far Eastern Int'l Bank

Far Eastern Group

遠東集團

FAR EASTERN GROUP

■ Established in 1937
■ Span over 10 major industries
■ 9 public listed companies in Taiwan and HK
■ Total Asset of NT$ 3,524Bn. (1Q'26)

Petrochemical & energy

• 11 companies in operation across Taiwan and China
• Oriental Petrochemical has manufacturing lines in Taiwan and mainland China with over 2.75 million tons annual PTA capacity

Polyester & synthetic fiber

• 38 companies in operation across Taiwan, China, Vietnam and USA
• and Group's polyester capacity over 2.72 million tons, one of the world's 3 largest manufacturers

Cement & building material

• 30 subsidiaries integrating Taiwan and China markets
• Main operation unit Asia Cement to achieved 41 m tons of annual capacity, ranking up to Top 10 in China

Retail & department store

• Together owns 44 stores across both sides of Strait
• Total sales surpassed NT$ 31.9 billion (YTmar.'26)

Financial services

• 14 companies in operation across multiple financial service fields, in Taiwan, China and ASEAN
• FEIB is the flagship operating entity

Sea/Land transportation

• 14 subsidiaries in operation
• Flagship U-Ming Marine Transport has 84 vessels and a shipping capacity of 9.96 million DWT

Communications and Internet

• The only one pure mobile operator in Taiwan
• FET obtained 3.5Ghz and 28Ghz 5G license
• Invested in FETC, more than 8.2 million vehicles have installed OBUs and over 10.0 billion tolls collected.

Construction

• 4 subsidiaries in operation
• Projects in development such as "Far Eastern Telecom Park" and Yilan Resort

Hotel services

• Shangri-La's Far Eastern Plaza Hotel Taipei
• Far Eastern Plaza Hotel Tainan
• Awarded "The 500 Best Hotels in the World"

Philanthropic organizations

• Established Yuan Ze University
• Asia Eastern University of Science and Technology
• Founded Far Eastern memorial Hospital
• Far Eastern Polyclinic
• Yu Chang Technical & Commercial Vocational Senior High School

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Contents

遠東國際商業銀行

Far Eastern Int'l Bank

Financial Highlights

Key Strategies

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Highlights

遠東國際商業銀行

Far Eastern Int'l Bank

Scale expansion

• Assets +4.4% in 1Q'26; Net worth +14% post-capital injection.

Profitability

• NII achieved double-digit growth driven by improved spreads and loan growth.
• Revenue +10.6% and IBT +11.4%.

Financial strength

• Maintained sound asset quality with an NPL ratio well below the industry average.
• Post-capital injection CET1 ratio surpassed the industry average.

AI Transformation

• Deployed Analytical, Generative, and Agentic AI across 6 major banking domains.

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遠東國際商業銀行

Far Eastern Int'l Bank

Assets & Net Worth

Assets (NT$Bn)

Net Worth (NT$Bn)

Source: Management report / Consolidated report

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遠東國際商業銀行

Far Eastern Int'l Bank

Loans & Deposits

Gross Loan

(NT$Bn)

Deposit

(NT$Bn)

Source: Management report / Consolidated report

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Asset Quality

遠東國際商業銀行

Far Eastern Int'l Bank

NPL Ratio

NPL Coverage Ratio

Loan Coverage Ratio

Source: FSC report

Industry: 37 commercial banks (excluding EX-IM Bk)

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Revenue & PPOP

遠東國際商業銀行

Far Eastern Int'l Bank

Revenue (NT$Bn)

Source: Consolidated report

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Lending Margin

遠東國際商業銀行

Far Eastern Int'l Bank

Gross L-D ratio

By year-end balance
By averaged balance

L-D Spread

Loan & Deposits composition

Source: Consolidated number / Management report

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遠東國際商業銀行
Far Eastern Int'l Bank

Fee Income & Trading Income

Fee Income

(NT$Bn)

Trading Income

(NT$Bn)

Source: Management report / Consolidated report

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清東國際商業銀行
Far Eastern Int'l Bank

Provisions & Income Before Tax

Source: Consolidated report

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遠東國際商業銀行
Far Eastern Int'l Bank

Profitability & Valuation

EPS (NT$/Share)

ROA & ROE (after tax)

• Annualized
  Source: Consolidated report

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Capital Adequacy

遠東國際商業銀行

Far Eastern Int'l Bank

CET1 (unconsolidated)

BIS (unconsolidated)

Industry

FEIB

Source: FSC report

*Industry: 34 commercial banks (excluding EX-IM Bk, 3 internet-only banks)

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Contents

遠東國際商業銀行

Far Eastern Int'l Bank

Financial Highlights

Key Strategies

14

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遠東國際商業銀行

Far Eastern Int'l Bank

Steady Growth

Assets

(NT$Bn)

Gross Loans

(NT$Bn)

Deposits

(NT$Bn)

*2026 Budget

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遠東國際商業銀行
Far Eastern Int'l Bank

Optimize profit structure

Optimize NIM

• Expand High-Yield Lending Portfolio
• Grow Strategic Retail Deposit Base

Boost Fee Income

• Launch Wealth Management 2.0
• Set up branch in the Asia New Bay Area Zone

Increase Trading Gains

• Strategic Expansion of Risk Appetite
• Scale Financial Asset Positions

Strict Expense Control

• Manage Operational Expenditures
• Rigorous Control of Provisioning Costs

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AI & Digital Transformation

遠東國際商業銀行

Far Eastern Int'l Bank

Bank-wide AI Integration

Applications:

• Approved (12)
• Under Development or Approval Process (17)

6 Key strategic domains:

Digital Business Innovation

• "Bankee" Digital Brand
• "White Robe BOSS" Medical Loans
• Medical Co-branded Card with AlleyPin

Transaction Banking

• Develop VASP Cash Flow Custody Business
• Create a Medical Payment Ecosystem

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遠東國際商業銀行

Far Eastern Int'l Bank

Sustainable Governance

• Deepen Internal Carbon Pricing
• Expand Green Power Management
• Grow Sustainable Bond Holdings

• ESG-Linked Syndicated Loans

• Ministry of Labor HR Award

• ESG Reading & Charity Donations
• Fair Customer Treatment

• Advance Financial Inclusion

• Corporate Governance evaluation

• Top 5% in Listed Com.
• Top 10% in Finance
• 14-Year Taiwan Sustainability Index
• Active Participation in DJSI CSA

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遠東國際商業銀行
Far Eastern Int'l Bank

Strategic Framework

Create FEIB’s long-term value
Value Proposition	EPS
NT$1	ROE/ROA
6.92%/0.56%	NPL/Coverage Ratio
0.05%/2,361%	LCR
114.24%	CET1/BIS
12.71%/15.44%
CI Ratio
57%
New Initiatives	■ Social Bank
■ VASP		■ ALM
■ Growth opportunities	■ WM 2.0
■ Asset Mgt Center	■ Risk Appetite
■ AI Agent
■ Group Synergy
Core Strategy	Net Revenue Growth		Risk Management		Productivity Enhancement
Operational Foundations	Information Capital		Human Capital
Financial Capital		Organizational Capital

*Source: Consolidated financial statements/legal filings for 1Q26; annualized.

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Contents

遠東國際商業銀行

Far Eastern Int'l Bank

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Contents

遠東國際商業銀行

Far Eastern Int'l Bank

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

(Consolidated)	As of or for 12 months ended December 31
	2024	2025	1Q'25	1Q'26	YoY
Key balance sheet items
Total assets	853,463	873,711	854,008	891,493	4.4%
Gross loans	495,151	512,993	502,036	519,173	3.4%
Deposits and remittances	698,869	711,753	699,183	729,332	4.3%
Total shareholders' equity	61,250	69,849	62,401	71,202	14.1%
BVPS	14.33	14.36	14.60	14.63	0.3%
Key income statement items
Net interest income	5,921	6,804	1,564	1,824	16.6%
Net fee income	3,015	3,026	765	836	9.4%
Earnings before Provision	5,012	4,913	1,265	1,500	18.7%
Net income	4,297	4,171	1,107	1,221	10.3%
EPS	0.98	0.93	0.25	0.25	0.0%
Key ratios
NIM (unconsolidated)	0.74%	0.83%	0.78%	0.88%	+10 bp
Cost to income ratio	61.02%	61.83%	60.36%	57.48%	-2.88 PctP
ROE (annualized)	7.15%	6.36%	7.16%	6.92%	-0.24 PctP
ROA (annualized)	0.52%	0.48%	0.52%	0.56%	+4 bp
LDR (excluded remittance)	70.86%	72.10%	71.81%	71.23%	-0.58 PctP
NPL ratio	0.07%	0.05%	0.05%	0.05%	0 bp
Coverage ratio	1968%	2412%	2354%	2361%	+7.19 PctP
CET 1 ratio (unconsolidated)	11.82%	12.83%	12.24%	12.71%	+47 bp
Tier 1 ratio (unconsolidated)	12.40%	13.38%	12.83%	13.25%	+42 bp
Total CAR (unconsolidated)	14.44%	15.58%	14.87%	15.44%	+57 bp

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遠東國際商業銀行
Far Eastern Int'l Bank

THANK YOU

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Disclaimer

遠東國際商業銀行

Far Eastern Int'l Bank

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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