Entie Commercial Bank · TWSE:2849
Entie Commercial Bank — 2023 Investor Conference
14 slides from Entie Commercial Bank's conference presentation, Mar 29, 2024
Slide 1: 2023 Investor Conference
2023 Investor Conference Vivian Chen, CFO March 29, 2024
Slide 2: Notice
Notice Certain information contained herein constitutes “forward-looking statements”, which can be identified by the use of forward-looking terminology such as “may”, “will”, “should”, “expect”, “anticipate”, “project”, “estimate”, “intend”, “continue”, or “believe” or variations thereon or comparab
Slide 3: Snapshot of EnTie
Snapshot of EnTie Company Overview Selected Key Metrics / Ratio (NT$ million) 2022 2023 ❖ EnTie is one of the 16 “new” private banks Statements of Comprehensive Income established in the wave of liberalization of Taiwan’s banking industry in early 1990’s Net Interest Income 4,029.68 3,377.52 Net Fee
Slide 4: 2023 Performance Summary
2023 Performance Summary The share rate hike in 2023 caused a significant increase in deposit and funding cost and NII reported -16% decline YoY while NFI increased by 15% YoY due to growth in lending business and insurance products. The NT$ M；% gains on investment portfolio increased significantly,
Slide 5: Key Ratios
Key Ratios Loan Growth % of China Exposure WM sale volume and Fee% % % NT$m；% +65bps 5.56% 4.91% 7.2% 4.67% 1,039 3.57% -0.7% 6.5% +7.6% 966 -1.45% -3.39% Total Loan Real Estate loan 2022 2023 2022 2023 2022 2023 monthly Avg. monthly Avg. MTM gain/loss on OCI assets NIM BVPS NT$m % NT$dollars *Inclu
Slide 6: Revenue Composition
Revenue Composition Net Revenue Net Fee Income NT$bn NT$bn 5.98 1.61 5.82 0.55 1.40 0.83 0.20 1.40 0.16 1.61 0.41 0.34 0.38 0.39 4.03 3.38 0.51 0.62 2022 2023 2022 2023 NII NFI Other Loan Trust Insurance Other As % of Net Revenue: As % of Fee Income: 9% 14% 12% 12% 24% 28% 24% 25% 67% 58% 28% 24% 36
Slide 7: Balanced Loan Composition
Balanced Loan Composition Optimized risk and return in pursuit of a balanced portfolio Corporate Loan : 49% Retail Loan : 51% NT$bn NT$bn NT$108.1bn NT$113.0bn 110.2 114.1 113.0 108.1 0.2 0% 106.4 110.3 0.2 0% 0% 0.1 0% 2.4 2% 4.4 4% 0.2 5.5 5% 0.0 0% 0.3 0% 22.4 20% 20.8 18% 14.4 13% 0.4 0% 0.1 0%
Slide 8: Stable Customer Deposits Base
Stable Customer Deposits Base Deposit Balance Split Deposits Evolution % NT$bn 48% 47% 51% 305.4 297.2 52% 53% 49% 283.9 54.7 18% 18% 53.6 2021.12.31 2022.12.31 2023.12.31 49.0 17% Corporate Retail Gross Loan / Deposits % 162.1 57% 182.2 60% 175.6 59% 76.3% 73.5% 74.4% 72.8 26% 68.5 22% 68.0 23% 202
Slide 9: Investment Portfolio
Investment Portfolio Conservative and transparent investment portfolio, dominated by money market and high quality fixed income product Investment Portfolio (2023/12/31) Items NT$ m Stock 1% Gov't Bonds CBC NCD 8% 2023/12/31 29% Corporate REITs 1% bonds Commercial 22% Government bonds 8,075 papers 1
Slide 10: Assets Quality
Assets Quality Improving underwriting quality and enhanced collection efforts help reduce future NPL influx and increase bad debt recovery NPL and NPL Ratios LLR and Coverage NT$m；% NT$m；% 6,000 2.00% 5,000 0.59% 0.58% 6,000 310.12% 248.33% 1.00% 400.00% 5,000 4,000 0.00% 4,086 4,000 3,193 -100.00%
Slide 11: Strong Capitalization
Strong Capitalization Strong and high quality capitalization provides significant cushion for long term business development. The Bank will strengthen profitability in order to achieve organic capital growth. CAR Ratio Tier 1 & CET 1 Ratio ％ ％ 17.69% 16.96% 16.32% 16.30% 1.19% 1.17% 14.33% 1.23% 1.1
Slide 12: Leading Capital Strength
Leading Capital Strength Ranking of CET 1 of 2023.12.31 % CET1 2021 2022 2023 EnTie 16.50% 15.12% 15.79% 51.70 Ranking 2 4 4 Industry Avg 11.96% 11.13% 11.93% NO.4 Avg.： 11.93% 17.67 15.84 15.79 14.47 13.96 13.25 12.71 12.53 12.36 12.11 12.09 12.02 11.98 11.95 11.85 11.77 11.64 11.61 11.55 11.38 11.
Slide 13: 2024 Strategies
2024 Strategies Core strategy for 2024 ◆ Re-balancing & de-risk asset portfolio mainly in corporate lending and investment mix ◆ Optimize the channel management and process simplification to enhance the franchise value ◆ Enhance risk governance and human capital to implement the sustainable developm
Slide 14: EnTie received Golden Security Award from JCIC
EnTie received Golden Security Award from JCIC Appendix 本行在信用資訊安控上，採取預防、偵測及應對三大風險管理思維 ⚫ 資訊設備面向 : 提升電腦系統功能，透過自動化及組合式查詢方式，降低錯誤強化檢核 ⚫ 流程優化面向 : 持續辦理聯徵查詢員工教育訓練，提升作業品質並落實定期性查核機制 ⚫ 安全控管面向 : 強化資訊安全保密，宣導員工客戶個資保密重要性、資料管控及銷毀的 標準作業程序，以確保聯徵查詢資料妥善利用 14