Far Eastern International Bank · TWSE:2845
Far Eastern International Bank — Q2 2025 Earnings Presentation
22 slides from Far Eastern International Bank's earnings presentation, Sep 3, 2025
Slide 1: Investor Conference 2Q'2025
Investor Conference 2Q’2025 9/3’2025
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$ 3,369 Bn. (2Q’25) Petrochemical & energy Polyester & synthetic fiber Cement & building material Retail & department store Financial services – 11 companies in ope
Slide 3: Contents
Contents 2023 Financial Financial Highlights Highlights 2023 Financial Highlights Key Strategies 3
Slide 4: Highlights
Highlights Scale expansion Total assets grew significantly by 7%, better than industry average. Profitability Improved NII growth. Financial strength Better asset quality, NPL % lower than industry norm. Further enhanced capital base – SPO in 2H’25 Digitalization Accelerating digital depos
Slide 5: Assets & Net Worth
Assets & Net Worth Assets Net Worth (NT$Bn) (NT$Bn) YoY YoY YoY YoY +7.7% +7.3% +4.0% +2.6% 853 874 793 815 39 61 38 58 61 60 37 64 39 59 0.01 48 50 0.2 18 16 17 262 280 18 240 243 41 43 43 44 468 489 482 497 -0.2 -0.1 YE'23 YE'24 6/30'24 6/30'25 YE'23 YE'24 6/30'24 6/30'25 Loan Investment
Slide 6: Loans & Deposits
Loans & Deposits Gross Loan Deposit (NT$Bn) (NT$Bn) YoY YoY YoY YoY +4.5% +2.9% +5.8% +6.1% 503 699 716 495 489 674 474 661 15% 12% 23% 14% 14% 23% 22% 9% 21% 9% 7% 22% 7% 29% 30% 29% 34% 31% 36% 36% 37% 11% 13% 14% 12% 13% 15% 14% 16% 43% 40% 42% 45% 24% 20% 21% 20% 20% YE'23 YE'24 6/30'24 6/30
Slide 7: Asset Quality
Asset Quality NPL Ratio NPL Coverage Ratio Loan Coverage Ratio 0.16% 2429% 1.38% 0.15% 0.15% 1.35% 0.14% 1.36% 1.34% 1968% 1504% 1192% 0.11% 1.29% 1.28% 1.28% 0.08% 1.26% 0.07% 966% 0.05% 838% 931% 875% YE'23 6/30'24 YE'24 6/30'25 YE'23 6/30'24 YE'24 6/30'25 YE'23 6/30'24 YE'24 6/30'25 Indus
Slide 8: Revenue & PPOP
Revenue & PPOP Revenue PPOP (NT$Bn) (NT$Bn) YoY YoY YoY YoY +0.5% -5.3% -4.5% -10.7% 12.8 12.9 5.25 5.01 0.6 0.5 6.5 6.2 3.1 3.5 0.2 0.2 2.64 2.36 1.8 1.3 (-25%) 2.6 3.0 1.5 1.4 (-8%) 6.5 5.9 3.0 3.2 +9% 2023 2024 Y-T-Jun'24 Y-T-Jun'25 2023 2024 Y-T-Jun'24 Y-T-Jun'25 NII Fee Trading Othe
Slide 9: Lending Margin
Lending Margin Gross L-D ratio L-D Spread 1.29% 1.22% 1.13% 1.13% 72.57% 72.51% 72.25% 72.09% Loan & Deposits composition 72.47% 71.72% 17% 22% 23% 21% 70.86% 14% 13% 12% 13% 70.28% 78% 77% 79% 83% 88% 86% 87% 87% YE'23 6/30'24 YE'24 6/30'25 Loan Deposit Loan Deposit Loan Deposit Loan Deposit
Slide 10: Fee Income & Trading Income
Fee Income & Trading Income Fee Income Trading Income (NT$Bn) (NT$Bn) YoY YoY YoY +14.2% -7.9% -25.4% 1.8 3.0 2.6 0.1 0.6 0.1 1.3 1.6 0.6 1.4 0.1 (58%) 0.3 0.3 +94% +31% 0.8 0.4 (92%) 0.1 2.4 2.0 1.3 1.0 (17%) 0.9 +33% 0.7 2023 2024 Y-T-Jun'24 Y-T-Jun'25 Y-T-Jun'24 Y-T-Jun'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% +344% +3.5% -23.3% 4.7 4.9 2.7 0.5 2.1 1.0 0.5 0.3 0.7 0.25 0.5 0.2 0.4 0.2 0.14 -0.1 2023 2024 2023 2024 Y-T-Mar’24 Y-T-Mar’25 2023 2024 Y-T-Jun'24 Y-T-Jun'25 Gross Provision cost Recovery Net Provisi
Slide 12: Profitability & Valuation
Profitability & Valuation EPS ROA & ROE (after tax) (NT$/Share) YoY YoY +3.1% -21.4% 0.98 1.01 7.33% 8.14%* 7.15% 6.18%* 0.60%* 0.56 0.54% 0.52% * 0.44 0.44% 2023 2024 Y-T-Jun'24 Y-T-Jun'25 2023 Y-T-Jun'24 2024 Y-T-Jun'25 ROA ROE * Annualized 12 Source: Management report / Consolidated repor
Slide 13: Capital Adequacy
Capital Adequacy CET1 (unconsolidated) BIS (unconsolidated) * 12.27 15.58 * (%) 11.98 (%) 15.28 11.86 11.82 15.00 11.80 14.70 11.87 15.03 11.77 14.80 14.44 11.40 14.34 2023 2Q'24 2024 2Q25 2023 2Q'24 2024 2Q'25 Industry FEIB *Industry avg. based on 34 banks’ websites Source: FSC report 13 In
Slide 14: Contents
Contents 2023 Financial Financial Highlights Highlights 2023 Financial Highlights Key Strategies 14
Slide 15: Business Scale
Business Scale Assets Gross Loans (NT$Bn) (NT$Bn) Ach. % Ach. % 97.1% 99.4% 503 518 489 6/30'24 6/30'25 2025 * 874 879 Deposits (NT$Bn) Ach. % 815 99.3% 716 721 674 6/30'24 6/30'25 2025 * 6/30'24 6/30'25 2025 * 15 *2025 Budget
Slide 16: Key Strategies
Key Strategies Expand business scale 2025 Steady loan growth, stronger momentum in high spread lending. More focus on deposit diversification, increasing individual and SME deposit %, and CASA %. Look for external growth by consolidating FEG affiliates or external M&A. Grow earnings Improved
Slide 17: AI & Digital Transformation
AI & Digital Transformation AI implication AI Governance Framework Deposit in 2Q’25 Launched 1st AI Policy Balance: YoY+ 11%, > 4% of FEIB’s deposit AI Portal National Brand Yushan 3-Year Roadmap (1.0, 2.0, Award - Best Product 3.0) with Deloitte AI Tools Access VASP 8 AI tools o
Slide 18: ESG Sustainability Actions
ESG Sustainability Actions 2024: 8% carbon reduction World Vision Charity Program (exceeding SBT target: 6%) ESG Fund 14 consecutive years in Taiwan Employment 99 Index Assessing Energy Management System Eden Social Welfare Program CDP questionnaire Customer fair treatment ESG investment I
Slide 19: Contents: Appendix
Contents 2023Appendix Financial Highlights 19
Slide 20: Key financial summary
Contents (NT$ m, except percentages and per share data) As of or for 12 months ended (Consolidated) December 31 2023 2024 2Q'24 2Q'25 YoY Key balance sheet items Total assets 792,504 853,463 814,584 873,942 7.3% Gross loans 473,824 495,151 488,681 502,997 2.9% Deposits and remittances 660,748 698,86
Slide 21: Thank You
& PEC LiLes i Far Eastern Int'l 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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