Far Eastern International Bank · TWSE:2845
Far Eastern International Bank — Q2 2021 Earnings Presentation
19 slides from Far Eastern International Bank's earnings presentation, Aug 18, 2021
Slide 1: Investor Conference 2Q'2021
Investor Conference 2Q’2021 8/18’2021
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$2,848 Bn (YE2020) Petrochemical & energy Polyester & synthetic fiber Cement & building material Retail & department store Financial services – 11 companies in oper
Slide 3: Contents
Contents 案例二 Financial Highlights Key Strategies 3
Slide 4: Assets & Net worth
Assets & Net worth Assets Net Worth (NT$Bn) (NT$Bn) YoY YoY YoY YoY +3.8% +7.0% +3.1% +2.3% 680 700 655 654 49 36 36 47 49 48 0 36 40 35 36 1 1 36 29 0 13 12 13 211 13 198 221 196 34 35 35 36 385 383 393 416 +9% 2019 2020 2Q'20 2Q'21 2019 2020 2Q'20 2Q'21 Loan Investment Cash & Deposit A
Slide 5: Loans & Deposit
Loans & Deposit Gross Loan Deposit (NT$Bn) (NT$Bn) YoY YoY YoY YoY -0.3% +5.7% +8.3% +9.0% 582 584 422 536 390 399 537 46 47 389 64 71 52 66 +11% 103 101 32 60 99 102 134 +5% 128 127 329 321 129 321 294 55 -7% 59 50 59 41 27 37 37 77 70 74 89 +17% 122 136 130 150 +15% 2019 2020 2Q'2020 2Q'2021 2
Slide 6: Asset Quality
Asset Quality NPL Ratio NPL Coverage Ratio 0.51% 0.41% 0.38% 649% 621% 645% 547% 0.28% 513% 0.25% 0.22% 341% 366% 0.22% 0.21% 286% YE’19 2Q’20 YE’20 2Q’21 Dec'19 YE’19 May'20 2Q’20 Dec'20 YE’20 May'21 2Q’21 Loan Coverage Ratio Gross provision Cost YoY (NT$Bn) +14.6% 1.46% 1.88 1.42% 0.4 0.70
Slide 7: Liquidity
Liquidity Demand Deposit ratio Gross loan-to-deposit ratio 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% Liquidity coverage ratio 66.81% 142.42% 124.91% 123.59% 128.51% 2019 2Q'20 2020 2Q'21 By balance By average balance 2019 2Q'20 2020
Slide 8: Profitability
Profitability Revenue YoY Trading Breakdown YoY (NT$Bn) (NT$MM) 11.7 -1.0% -19.1% 11.2 5.6 5.6 0.3 0.4 1.3 0.2 0.2 2.5 0.7 0.6 399 (24%) 3.5 3.5 1.8 1.6 303 172 162 6% 5.5 6.0 3.0 3.2 +9% 125 38 (70%) 52 184% (62) 2019 2020 1H’20 2Q'20 1H’21 2Q'21 2Q'20 1H’20 2Q'21 1H’21 NII Fee Trading
Slide 9: Profitability
Profitability NIM Loan Yield* & Avg. Loan Balance 1.16% 1.14% 1.20% 1.04% 1.08% 1.03% 1.02% (NT$Bn) 0.99% 389 399 399 422 2019 2Q'20 1H’20 2020 2Q'21 1H’21 2019 1H’20 2Q'20 2020 1H’21 2Q'21 * =(Avg. loan revenue – Avg. deposit cost) / Avg. loan balance ROA (after tax) ROE (after tax) 7.89% 0
Slide 10: BIS
BIS CET1 (unconsolidated) BIS (unconsolidated) 11.03% 14.10% 14.00% 13.60% 13.65% 10.53% 10.52% 10.51% 10.99% 10.98% 11.49% 10.94% 2019 2Q'20 2020 2Q'21 2019 2Q'20 2020 2Q'21 Tier1 Tier 2 10 Source: : Management report
Slide 11: Contents: Key Strategies
Contents 案例二 Financial Highlights Key Strategies 11
Slide 12: Advance Digital Transformation
Advance Digital Transformation Acquisition rate: (2Q’21) 72 41 (%) 6 9 1’19 1'108 12’19 12’20 12'108 12'109 6’21 6'110 Off - counter rate: 95% (%) (2Q’21) Big Data Smart RM 98 97 Fintech 84 75 60 Trasnsfer Withdrawl Fund Exhange Deposit Taiwan’s best digital bank Process Automation Socia
Slide 13: Solidify Asset Growth
Solidify Asset Growth Asset: YE’21 Budget: NT$705 bn. 2Q’21: NT$700 bn. Loan: YE’21 Budget: NT$434 bn. 2Q’21: NT$ 422 bn. Deposit: Pipelines: YE’21 Budget: NT$576 bn. Big Corp. Loan 2Q’21 : NT$584 bn. 13
Slide 14: Enhance Earnings Capability
Enhance Earnings Capability Retail Banking Corp. Banking Investment Industry: Personal Biotech IT Services Loan Financial Institution Infrastructures (Water, Gas, Power) Conglomerate (Car) High Margin Types: Mortgage M&A Trusts Business Project finance CAPEX 14
Slide 15: ESG strategies
ESG strategies Install solar panels in office Environmental building Purchase GREEN energy Social Corporate Governance 2021 Best Companies to Work 2020 CSR report - 6’21 For in Asia - HR Asia Increase green finance Donate to World Vision Taiwan TCFD advisory in every NT$1 spending of F
Slide 16: Contents: Appendix
Contents GS BNMnR Eat Appendix
Slide 17: Key Financials
Key Financials (NT$ 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,
Slide 18: Thank You
f= 2k mm RMT op Far Easter Int'l Bank THANK YOU
Slide 19: 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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