Far Eastern International Bank · TWSE:2845
Far Eastern International Bank — Q1 2026 Earnings Presentation
23 slides from Far Eastern International Bank's earnings presentation, May 28, 2026
Slide 1: Investor Conference 1Q'2026
Investor Conference 1Q’2026 5/28’2026
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$ 3,524Bn. (1Q’26) Petrochemical & energy Polyester & synthetic fiber Cement & building material Retail & department store Financial services – 11 companies in oper
Slide 3: Contents
Contents Financial Highlights Key Strategies 3
Slide 4: Highlights
Highlights 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 th
Slide 5: Assets & Net Worth
Assets & Net Worth ◼ Assets ◼ Net Worth (NT$Bn) (NT$Bn) YoY YoY YoY YoY +2.4% +4.4% +14.1% +14% 874 854 891 71 853 70 42 46 1 1 38 56 37 63 61 62 64 54 0.01 19 21 269 267 270 18 19 262 49 49 507 496 513 43 43 489 -0.1 YE'24 YE'25 3/31'25 3/31'26 YE'24 YE'25 3/31'25 3/31'26 ◼ Loan ◼ Investment ◼ Cash
Slide 6: Loans & Deposits
Loans & Deposits ◼ Gross Loan ◼ Deposit (NT$Bn) (NT$Bn) YoY YoY YoY YoY +3.6% +3.4% +1.8% +4.3% 513 502 519 712 729 495 699 699 13% 12% 23% 23% 23% 15% 15% 23% 23% 7% 9% 7% 10% 29% 29% 29% 28% 37% 36% 37% 35% 13% 13% 13% 14% 15% 15% 15% 17% 43% 40% 44% 40% 20% 20% 20% 18% YE'24 YE'25 3/31'25 3/31'26
Slide 7: Asset Quality
Asset Quality ◼ NPL Ratio ◼ NPL Coverage Ratio ◼ Loan Coverage Ratio 0.16% 0.15% 0.15% 2361% 0.15% 2354% 2412% 1.36% 1.34% 1.36% 1968% 1.33% 1.28% 1.26% 1.25% 1.25% 0.07% 0.05% 0.05% 931% 913% 896% 0.05% 842% YE'24 3/31'25 YE'25 3/31'26 YE'24 3/31'25 YE'25 3/31'26 YE'24 3/31'25 YE'25 3/31'26 ◼ Indus
Slide 8: Revenue & PPOP
Revenue & PPOP ◼ Revenue ◼ PPOP (NT$Bn) (NT$Bn) YoY YoY +0.1% YoY -2.0% 12.9 12.9 0.5 0.5 +10.6% 5.0 4.9 YoY 3.5 2.6 3.5 +18.7% 3.2 0.1 3.0 0.1 0.7 (-2.4%) 3.0 0.8 1.5 0.8 +9.4% 1.3 0.8 5.9 6.8 1.6 1.8 +16.6% 2024 2025 Y-T-Mar'25 Y-T-Mar'26 2024 2025 Y-T-Mar'25 Y-T-Mar'26 ◼ NII ◼ Fee ◼ Trading ◼ Oth
Slide 9: Lending Margin
Lending Margin ◼ Gross L-D ratio ◼ L-D Spread 1.27% 1.31% 1.18% 1.13% 73.13% 72.10% 72.09% 2024 1Q'25 2025 1Q'26 71.46% ◼ Loan & Deposits composition 71.81% 71.79% 20% 18% 21% 71.23% 21% 70.86% 13% 15% 15% 13% 80% 79% 82% YE'24 3/31'25 YE'25 3/31'26 79% 85% 87% 87% 85% Loan Deposit Loan Deposit Loan
Slide 10: Fee Income & Trading Income
Fee Income & Trading Income ◼ Fee Income ◼ Trading Income (NT$Bn) (NT$Bn) YoY +0.4% YoY 3.0 3.0 3.5 -25.7% YoY YoY 0.3 +9.4% 0.4 -2.4% 0.6 0.7 2.6 0.84 0.2 0.76 0.74 0.76 1.3 0.5 0.11 0.09 (19%) 0.23 +5.9% 0.06 0.08 +29% 0.22 0.09 0.06 (28%) 2.4 2.3 1.9 0.54 0.60 +10.8% 1.5 0.51 0.51 +1.5% -0.03 202
Slide 11: Provisions & Income Before Tax
Provisions & Income Before Tax ◼ Provision Cost ◼ IBT (NT$Bn) (NT$Bn) YoY YoY +77.5% -4.3% 4.9 4.7 YoY 0.53 +11.4% 0.48 YoY +230% 1.4 1.2 0.73 0.67 0.25 0.14 0.14 0.24 0.130.090.04 0.11 2024 2025 Y-T-Mar'25 Y-T-Mar'26 2024 2025 Y-T-Mar'25 Y-T-Mar'26 ◼ Gross Provision cost ◼ Recovery ◼ Net Provision
Slide 12: Profitability & Valuation
Profitability & Valuation ◼ EPS ◼ ROA & ROE (after tax) (NT$/Share) YoY -5.1% 0.98 YoY 0.93 +0% 7.15% 7.16%* 6.92%* 6.36% 0.25 0.25 0.56%* 0.52% 0.52%* 0.48% 2024 2025 Y-T-Mar'25 Y-T-Mar'26 2024 Y-T-Mar'25 2025 Y-T-Mar'26 ◼ ROA ◼ ROE * Annualized 12 Source: Consolidated report
Slide 13: Capital Adequacy
Capital Adequacy ◼ CET1 (unconsolidated) ◼ BIS (unconsolidated) 12.83 12.71 15.66 15.76 12.40 15.44 (%) 15.00 12.47 15.58 (%) 11.82 12.24 14.87 11.77 14.44 2024 1Q'25 2025 1Q'26 2024 1Q'25 2025 1Q'26 ◼ Industry ◼ FEIB Source: FSC report 13 *Industry: 34 commercial banks (excluding EX-IM Bk, 3 intern
Slide 14: Contents
Contents Financial Highlights Key Strategies 14
Slide 15: Steady Growth
Steady Growth ◼ Assets ◼ Gross Loans (NT$Bn) (NT$Bn) Ach. % 95.2% Ach. % 502 519 545 95.9% 3/31'25 3/31'26 2026 * ◼ Deposits Ach. % (NT$Bn) 929 97.1% 891 854 699 729 751 3/31'25 3/31'26 2026 * 3/31'25 3/31'26 2026 * 15 *2026 Budget
Slide 16: Optimize profit structure
Optimize profit structure Optimize NIM Boost Fee Income ◼ Expand High-Yield Lending Portfolio ◼ Launch Wealth Management 2.0 ◼ Set up branch in the Asia New Bay ◼ Grow Strategic Retail Deposit Base Area Zone Increase Trading Gains Strict Expense Control ◼ Strategic Expansion of Risk Appetite ◼ Manag
Slide 17: AI & Digital Transformation
AI & Digital Transformation Bank-wide AI Integration Digital Business Innovation ◼ Applications: ◼ "Bankee" Digital Brand ◼ Approved (12) ◼ Under Development or Approval Process (17) ◼ "White Robe BOSS" Medical Loans 5 11 1 8 ◼ Medical Co-branded Card 3 1 Analytical AI Generative AI Agentic AI with
Slide 18: Sustainable Governance
Sustainable Governance ◼ Deepen Internal Carbon ◼ Ministry of Labor HR ◼ Corporate Governance Pricing Award evaluation ◼ Expand Green Power ◼ ESG Reading & ◼ Top 5 % in Listed Com. Management Charity Donations ◼ Top 10% in Finance ◼ Grow Sustainable Bond ◼ Fair Customer ◼ 14-Year Taiwan Holdings Tre
Slide 19: Strategic Framework
Strategic Framework Create FEIB’s long- term value EPS ROE/ROA NPL/Coverage Ratio LCR CET1/BIS CI Ratio * NT$1 6.92%/0.56% 0.05%/2,361% 114.24% 12.71%/15.44% 57% ◼ ALM ◼ WM 2.0 ◼ Risk Appetite ◼ Social Bank ◼ AI Agent ◼ Growth ◼ Asset Mgt ◼ VASP opportunities Center ◼ Group Synergy Net Revenue Risk
Slide 20: Appendix
Contents 2023Appendix Financial Highlights 20
Slide 21: Consolidated Key Financials
Contents (NT$ m, except percentages and per share data) As of or for 12 months ended (Consolidated) 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 698,869 711,75
Slide 22: Thank You
ay ia ew oe we a8 HF =) Far Easter Intl Bank THANK YOU
Slide 23: 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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