Far Eastern International Bank · TWSE:2845
Far Eastern International Bank — Q4 2025 Earnings Presentation
25 slides from Far Eastern International Bank's earnings presentation, Mar 19, 2026
Slide 1: Investor Conference 4Q'2025
Investor Conference 4Q’2025 3/19’2026
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$ 3,439Bn. (4Q’25) Petrochemical & energy Polyester & synthetic fiber Cement & building material Retail & department store Financial services – 11 companies in oper
Slide 3: Contents
Contents 2025 Financial Highlights 2026 Key Strategies 3
Slide 4: Highlights
Highlights Scale expansion ◼ Assets +2.4% in 2025; Net worth +14% post capital increase Profitability ◼ NII +15% in 2025; NI NT$4.17bn; EPS NT$0.93 ◼ 1-2’2026: NII & Fee double-digit growth ; Revenue +10%; IBT +8% Financial strength ◼ Improved asset quality; NPL ratio below industry average. ◼ CET1
Slide 5: Assets & Net Worth
Assets & Net Worth ◼ Assets ◼ Net Worth (NT$Bn) (NT$Bn) YoY YoY +7.7% +2.4% YoY 874 YoY +14% 853 793 42 +4.0% 38 70 64 56 1 37 61 48 59 269 19 262 240 18 18 507 49 468 489 41 43 -0.2 YE'23 -0.1 YE'23 YE'24 YE'25 YE'24 YE'25 ◼ Loan ◼ Investment ◼ Cash & Deposit ◼ AR & Others ◼ Capital + Capital Surpl
Slide 6: Loans & Deposits
Loans & Deposits ◼ Gross Loan ◼ Deposit (NT$Bn) (NT$Bn) YoY YoY YoY YoY +4.5% +3.6% +1.8% +5.8% 513 699 712 495 474 661 15% 13% 23% 24% 14% 21% 8% 22% 7% 9% 31% 29% 28% 35% 36% 36% 11% 13% 13% 13% 15% 15% 43% 40% 44% 24% 20% 20% YE'23 YE'24 YE'25 YE'23 YE'24 YE'25 ◼ Local Corp ◼ Local SME ◼ Overseas
Slide 7: Asset Quality
Asset Quality ◼ NPL Ratio ◼ NPL Coverage Ratio ◼ Loan Coverage Ratio 2412% 1.38% 0.15% 0.15% 1.36% 1.36% 0.14% 1968% 1192% 0.11% 1.29% 1.28% 1.25% 0.07% 966% 913% 0.05% 931% YE'23 YE'24 YE'25 YE'23 YE'24 YE'25 YE'23 YE'24 YE'25 ◼ Industry ◼ FEIB Source: FSC report 7 Industry: 37 commercial banks (ex
Slide 8: Revenue & PPOP
Revenue & PPOP ◼ Revenue ◼ PPOP (NT$Bn) (NT$Bn) YoY YoY YoY YoY +0.5% +0.1% -4.5% -2.0% 12.8 12.9 12.9 5.2 5.0 4.9 0.6 0.5 0.5 2.6 (-26%) 3.1 3.5 3.0 +0.4% 2.6 3.0 6.5 5.9 6.8 +15% 2023 2024 2025 2023 2024 2025 ◼ NII ◼ Fee ◼ Trading ◼ Other 8 Source: Consolidated report
Slide 9: Lending Margin
Lending Margin ◼ Gross L-D ratio ◼ L-D Spread 1.29% 1.27% 1.13% 72.25% 72.10% 72.09% 2023 2024 2025 71.79% ◼ Loan & Deposits composition 71.72% 22% 21% 18% 70.86% 12% 13% 15% 78% 79% 82% YE'23 YE'24 YE'25 88% 87% 85% Loan Deposit Loan Deposit Loan Deposit 2023 2024 2025 ◼ By year-end balance ◼ By av
Slide 10: Fee Income & Trading Income
Fee Income & Trading Income ◼ Fee Income ◼ Trading Income (NT$Bn) (NT$Bn) YoY YoY YoY +14.2% +0.4% +12.8% YoY 3.0 3.0 3.5 -25.7% 3.1 0.3 2.6 0.6 0.7 +13% 0.2 0.4 2.6 0.6 0.4 0.2 (51%) 1.3 0.5 +45% 1.0 2.4 2.3 (3.0%) 2.0 1.9 +34% 1.5 1.5 -0.03 (97%) 2023 2024 2025 2023 2024 2025 ◼ Retail Banking ◼ Co
Slide 11: Provisions & Income Before Tax
Provisions & Income Before Tax ◼ Provision Cost ◼ IBT (NT$Bn) (NT$Bn) YoY YoY YoY YoY -73.6% +77.5% +3.5% -4.3% 4.7 4.9 4.7 0.53 0.48 0.99 0.45 0.67 0.73 0.54 0.25 0.14 2023 2024 2025 2023 2024 2025 ◼ Gross Provision cost ◼ Recovery ◼ Net Provision Cost 11 Source: Consolidated report
Slide 12: Profitability & Valuation
Profitability & Valuation ◼ EPS ◼ ROA & ROE (after tax) (NT$/Share) YoY YoY +0% -5.1% 0.98 0.98 0.93 7.33% 7.15% 6.36% 0.54% 0.52% 0.48% 2023 2024 2025 2023 2024 2025 ◼ ROA ◼ ROE 12 Source: Consolidated report
Slide 13: Revenue & IBT – 1~2'2026
Revenue & IBT – 1~2’2026 ◼ Revenue ◼ IBT (NT$Bn) (NT$Bn) YoY +10% YoY +8% 2.39 2.18 0.89 0.63 (-8%) 0.82 0.68 0.57 +21% 0.47 1.03 1.20 +16% 1~2'25 1~2'26 1~2'25 1~2'26 ◼ NII ◼ Fee ◼ Trading & Other 13 Source: MOPS
Slide 14: Capital Adequacy
Capital Adequacy ◼ CET1 (unconsolidated) ◼ BIS (unconsolidated) 12.83 15.75* (as on 3Q’25) (%) 15.28 15.00 15.58 (%) 11.98 12.41* 11.82 (as on 3Q’25) 15.03 11.87 11.77 14.44 2023 2024 2025 2023 2024 2025 ◼ Industry ◼ FEIB Source: FSC report 14 *Industry: 34 commercial banks (excluding EX-IM Bk, 3 in
Slide 15: Dividends
Dividends ◼ EPS & Dividend ◼ Cash dividend yield (NT$/Share) = Cash dividend / Avg. stock price of the year of earnings (EPS*) $1.03 $1.01 $0.93 4.35% 3.94% 0.506 3.51% 0.25 0.1195 0.506 0.50 0.5140 2023 2024 2025 2023 2024 2025 ◼ Cash ◼ Stock ◼ Reserved earnings Source: Management report / Consolid
Slide 16: Contents
Contents 2025 Financial Highlights 2026 Key Strategies 16
Slide 17: Steady Growth
Steady Growth ◼ Assets ◼ Gross Loans (NT$Bn) (NT$Bn) YoY +6% YoY +6% 513 545 495 2024 2025 2026* ◼ Deposits YoY (NT$Bn) 929 +6% 874 853 712 751 699 2024 2025 2026 * 2024 2025 2026 * 17 *2026 Budget
Slide 18: Optimize profit structure
Optimize profit structure 18
Slide 19: AI Transformation
AI Transformation Front Office Core Capabilities ◼ AI Assistant for ◼ Data & Modeling Frontline Staff ◼ Process ◼ Customer Service Reengineering Back Office Product/Service ◼ Fraud ◼ AI Financial Detection & AML Advisor ◼ Operations Assistant 19
Slide 20: Sustainable Governance
Sustainable Governance Sustainable Risk ESG Finance Management Ratings ◼ ESG lending & investments ◼ Risk-based internal audit ◼ Top 5% - ESG evaluations ◼ TCFD & TNFD ◼ Compliance Risk ◼ CSA - DJSI ◼ IFRS S1 & S2 Assessment 20
Slide 21: Strategic Framework
Strategic Framework Create long-term value NPL/Coverage EPS ROE/ROA LCR CET1/BIS CI Ratio Ratio ◼ Transaction Banking ◼ Offshore Lending ◼ WM 2.0 ◼ Expanded Risk ◼ VASP ◼ Corporate Finance ◼ Revolving Appetite ◼ Financial × Healthcare ◼ SME Deposits and Personal Loans ◼ AI Assistant/Agent Ecosystem
Slide 22: Contents 2023 Appendix
Contents 2023Appendix Financial Highlights 22
Slide 23: Financial Highlights
Contents (NT$ m, except percentages and per share data) 口 As of or for 12 months ended December 31 (Consolidated) 2023 2024 2025 YoY Key balance sheet items Total assets 792,504 853,463 873,711 2.4% Gross loans 473,824 495,151 512,993 3.6% Deposits and remittances 660,748 698,869 711,753 1.8% Total
Slide 24: Thank You
ay ia ew oe we a8 HF =) Far Easter Intl Bank THANK YOU
Slide 25: 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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