Far Eastern International Bank · TWSE:2845
Far Eastern International Bank — Q3 2025 Earnings Presentation
22 slides from Far Eastern International Bank's earnings presentation, Nov 21, 2025
Slide 1: Investor Conference 3Q'2025
Investor Conference 3Q’2025 11/21’2025
Slide 2: Far Eastern Group
Far Eastern Group ◼ Established in 1937 ◼ Span over 10 major industries ◼ 9 public listed companies in Taiwan and HK ◼ Total Asset of NT$ 3,408Bn. (3Q’25) Petrochemical & energy Polyester & synthetic fiber Cement & building material Retail & department store Financial services – 11 companies in oper
Slide 3: Contents
Contents 2023 Financial Financial Highlights Highlights 2023 Financial Highlights Key Strategies 3
Slide 4: Highlights
Highlights Asset expansion ◼ Achieved 100% of FY2025 asset budget. Profitability ◼ Double-digit YoY growth in NII. Financial strength ◼ Improved asset quality; NPL ratio consistently below industry average. ◼ CET1 and BIS ratios (post-SPO) above industry average. Digitalization ◼ Leading market posi
Slide 5: Assets & Net Worth
Assets & Net Worth ◼ Assets ◼ Net Worth (NT$Bn) (NT$Bn) YoY YoY YoY YoY +7.7% +4.0% +4.0% +12.8% 853 879 793 845 68 38 37 41 61 0.8 64 59 59 61 37 60 0.03 48 18 274 18 18 17 262 258 240 49 490 505 41 43 43 468 489 -0.2 -0.1 YE'23 YE'24 9/30'24 9/30'25 YE'23 YE'24 9/30'24 9/30'25 ◼ Loan ◼ Investment
Slide 6: Loans & Deposits
Loans & Deposits ◼ Gross Loan ◼ Deposit (NT$Bn) (NT$Bn) YoY YoY YoY YoY +4.5% +3.0% +5.8% +0.7% 496 511 699 711 715 495 474 661 15% 13% 23% 15% 23% 23% 14% 8% 21% 9% 22% 7% 9% 31% 29% 29% 28% 35% 36% 36% 35% 11% 13% 12% 13% 13% 15% 15% 16% 43% 40% 41% 44% 24% 20% 21% 20% 20% YE'23 YE'24 9/30'24 9/30
Slide 7: Asset Quality
Asset Quality ◼ NPL Ratio ◼ NPL Coverage Ratio ◼ Loan Coverage Ratio 2435% 1.38% 0.15% 0.15% 0.15% 1.36% 1.36% 0.14% 1.34% 2036% 1968% 1192% 0.11% 1.29% 1.28% 1.28% 1.25% 0.06% 0.07% 966% 0.05% 893% 931% 878% YE'23 9/30'24 YE'24 9/30'25 YE'23 9/30'24 YE'24 9/30'25 YE'23 9/30'24 YE'24 9/30'25 ◼ Indus
Slide 8: Revenue & PPOP
Revenue & PPOP ◼ Revenue ◼ PPOP (NT$Bn) (NT$Bn) YoY YoY YoY YoY +0.5% -3.1% -4.5% -7.0% 12.8 12.9 0.6 0.5 5.2 5.0 9.9 9.6 3.1 3.5 4.0 0.4 0.3 3.7 2.8 2.1 (-26%) 2.6 3.0 2.3 (-1%) 2.3 6.5 5.9 4.5 5.0 +11% 2023 2024 Y-T-Sep'24 Y-T-Sep'25 2023 2024 Y-T-Sep'24 Y-T-Sep'25 ◼ NII ◼ Fee ◼ Trading ◼ Other 8
Slide 9: Lending Margin
Lending Margin ◼ Gross L-D ratio ◼ L-D Spread 1.29% 1.25% 1.13% 1.13% 72.25% 72.49% 72.09% 2023 3Q'24 2024 3Q'25 71.61% ◼ Loan & Deposits composition 71.72% 71.44% 17% 70.86% 22% 21% 21% 12% 13% 13% 14% 69.84% 78% 79% 79% 83% 88% 87% 87% 86% YE'23 9/30'24 YE'24 9/30'25 Loan Deposit Loan Deposit Loan
Slide 10: Fee Income & Trading Income
Fee Income & Trading Income ◼ Fee Income ◼ Trading Income (NT$Bn) (NT$Bn) YoY YoY YoY +14.2% -1.3% -26.1% 2.8 3.0 0.3 2.6 0.6 2.3 2.3 0.3 2.1 0.6 0.4 0.1 (51%) 0.5 +23% 1.1 0.5 +45% 0.03 (97%) 2.4 2.0 1.8 1.7 (7.2%) 1.4 +34% 1.1 2023 2024 Y-T-Sep'24 Y-T-Sep'25 Y-T-Sep'24 Y-T-Sep'25 ◼ Retail Banking
Slide 11: Provisions & Income Before Tax
Provisions & Income Before Tax ◼ Provision Cost ◼ IBT (NT$Bn) (NT$Bn) YoY YoY YoY YoY -74.2% +566% +3.5% -14.3% 4.7 4.9 4.0 3.4 0.5 1.0 0.5 0.4 0.7 0.3 0.3 0.5 0.6 0.5 0.14 0.05 2023 2024 2023 2024 Y-T-Sep’24 Y-T-Sep’25 2023 2024 Y-T-Sep'24 Y-T-Sep'25 ◼ Gross Provision cost ◼ Recovery ◼ Net Provisio
Slide 12: Profitability & Valuation
Profitability & Valuation ◼ EPS ◼ ROA & ROE (after tax) (NT$/Share) YoY YoY +3.1% -13.6% 1.01 7.88%* 0.98 7.33% 7.15% 6.57%* * 0.81 0.70 0.54% 0.57%* 0.52% 0.47%* 2023 2024 Y-T-Sep'24 Y-T-Sep'25 2023 Y-T-Sep'24 2024 Y-T-Sep'25 ◼ ROA ◼ ROE 12 Source: Consolidated report * Annualized; **Annualized rat
Slide 13: Capital Adequacy
Capital Adequacy ◼ CET1 (unconsolidated) ◼ BIS (unconsolidated) 12.90 15.76 (%) 15.28 15.58 * 15.08 15.00 (as on 2Q’25) 12.27* (%) 11.98 11.91 (as on 2Q’25) 11.82 15.03 11.87 11.82 11.77 14.62 14.44 2023 9/30'24 2024 9/30'25 2023 9/30'24 2024 9'30'25 ◼ Industry ◼ FEIB Source: FSC report 13 *Industry
Slide 14: Contents
Contents 2023 Financial Financial Highlights Highlights 2023 Financial Highlights Key Strategies 14
Slide 15: Business Scale
Business Scale ◼ Assets ◼ Gross Loans (NT$Bn) (NT$Bn) Ach. % Ach. % 98.6% 100% 511 518 496 9/30'24 9/30'25 2025 * 879 879 ◼ Deposits 845 (NT$Bn) Ach. % 99.3% 711 715 721 9/30'24 9/30'25 2025 * 9/30'24 9/30'25 2025* 15 *2025 Budget
Slide 16: Key Strategies
Key Strategies Expand business scale 2025 ◼ Leverage new capital to expand asset scale. ◼ Increase high-spread lending, such as offshore loans and high-margin retail lending. ◼ Steadily grow fee income and trading income. ◼ Pursue external growth via FEG affiliate consolidation, M&A, or establishing
Slide 17: AI & Digital Transformation
AI & Digital Transformation AI implication ◼ AI Governance Framework ◼ Deposit in 3Q’25 ◼ Formulate 13 AI governance ◼ Balance: YoY+19% policies & operating guidelines ◼ ~4.4% of FEIB’s deposit ◼ AI Empowerment Program ◼ Transaction Banking ◼ Seed Instructor Workshop ◼ VASP: Leading market ◼ Optimiz
Slide 18: ESG Sustainability Actions
ESG Sustainability Actions ◼ Launch 2026 “Low-Carbon ◼ Awards & Recognitions ◼ Established Nomination Island Tour by Train” ◼ 1st Place (Group B) in Elder Committee. Calendar. Trust Awards for 4 consecutive years. ◼ Formulated Corporate ◼ Introduce Internal Carbon Value Enhancement Plan. ◼ Top 25% i
Slide 19: Contents: Appendix
Contents 2023Appendix Financial Highlights 19
Slide 20: Consolidated Financial Summary
Contents (NT$ m, except percentages and per share data) As of or for 12 months ended (Consolidated) December 31 2023 2024 3Q'24 3Q'25 YoY Key balance sheet items Total assets 792,504 853,463 845,023 879,218 4.0% Gross loans 473,824 495,151 496,246 510,992 3.0% Deposits and remittances 660,748 698,86
Slide 21: Thank You
ay ia ew oe we a8 HF =) Far Easter Intl Bank THANK YOU
Slide 22: Disclaimer
Disclaimer 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 in
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