Far Eastern International Bank · TWSE:2845
Far Eastern International Bank — Q1 2025 Earnings Presentation
22 slides from Far Eastern International Bank's earnings presentation, May 28, 2025
Slide 1: Investor Conference 1Q'2025
Investor Conference 1Q’2025 5/28’2025
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$ 3,436 Bn. (1Q’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 Profitability Improved NII growth Financial strength Below industry - averaged NPL %, Above industry – averaged CET 1% Further enhanced capital base – SPO in 2H’25 Digitalization Ready AI implementation in selected fields 4
Slide 5: Assets & Net Worth
Assets & Net Worth Assets Net Worth (NT$Bn) (NT$Bn) YoY YoY YoY YoY +7.7% +5.7% +4.0% +3.1% 853 854 793 808 61 61 62 38 37 59 37 64 38 54 48 57 0.3 0.01 18 19 19 262 267 18 240 237 41 43 41 43 468 489 475 496 -0.2 -0.1 YE'23 YE'24 3/31'24 3/31'25 YE'23 YE'24 3/31'24 3/31'25 Loan Investment
Slide 6: Loans & Deposits
Loans & Deposits Gross Loan Deposit (NT$Bn) (NT$Bn) YoY YoY YoY YoY +4.5% +4.3% +5.8% +4.1% 495 502 699 699 474 482 661 671 15% 15% 23% 14% 14% 23% 22% 21% 9% 7% 10% 22% 7% 31% 29% 30% 29% 36% 36% 37% 35% 11% 13% 12% 13% 13% 15% 13% 15% 43% 40% 42% 40% 24% 20% 23% 20% 20% YE'23 YE'24 3/31'24 3/3
Slide 7: Asset Quality
Asset Quality NPL Ratio NPL Coverage Ratio Loan Coverage Ratio 2354% 0.16% 1.38% 0.14% 0.15% 0.16% 1968% 1.35% 1.36% 1.34% 1386% 1192% 0.11% 1.29% 1.29% 1.28% 0.09% 1.26% 0.07% 966% 931% 842% 0.05% 822% YE'23 3/31'24 YE'24 3/31'25 YE'23 3/31'24 YE'24 3/31'25 YE'23 3/31'24 YE'24 3/31'25 Indus
Slide 8: Revenue & PPOP
Revenue & PPOP Revenue PPOP (NT$Bn) (NT$Bn) YoY YoY YoY YoY +0.5% -3.8% -4.5% -5.7% 12.8 12.9 0.6 0.5 5.2 5.0 3.3 3.2 3.1 3.5 0.1 0.1 0.9 0.8 (-16.6%) 1.3 1.3 2.6 3.0 0.8 0.8 6.5 5.9 1.5 1.6 +5.6% 2023 2024 Y-T-Mar'24 Y-T-Mar'25 2023 2024 Y-T-Mar'24 Y-T-Mar'25 NII Fee Trading Other 8 Sou
Slide 9: Lending Margin
Lending Margin Gross L-D ratio L-D Spread 1.38% 1.28% 1.22% 1.21% 73.13% 72.25% 72.50% Loan & Deposits composition 72.09% 22% 22% 20% 19% 71.72% 71.72% 13% 12% 13% 13% 71.81% 81% 78% 78% 80% 70.86% 87% 88% 87% 87% Loan 1 Deposit 2 3 Loan 4Deposit Loan Deposit Loan Deposit YE'23 3/31'24 YE'24 3
Slide 10: Fee Income & Trading Income
Fee Income & Trading Income Fee Income Trading Income (NT$Bn) (NT$Bn) YoY YoY YoY +14.2% -3.8% -16.6% 0.9 3.0 2.6 0.1 0.0 0.8 0.6 0.1 +8.8% 0.6 0.8 0.1 +110% 0.8 0.4 0.1 -80% 0.2 0.2 +28% 2.4 2.0 0.5 +39% 0.6 0.6 -11% 0.4 2023 2024 Y-T-Mar'24 Y-T-Mar'25 Y-T-Mar'24 Y-T-Mar'25 Retail Banking C
Slide 11: Provisions & Income Before Tax
Provisions & Income Before Tax Provision Cost IBT (NT$Bn) (NT$Bn) YoY YoY YoY YoY -74.2% +146.4% +3.5% -14.1% 4.7 4.9 0.5 1.4 1.0 0.5 1.2 0.7 0.2 0.5 0.09 0.1 0.13 0.04 0.14 -0.08 2023 2024 2023 2024 Y-T-Mar’24 Y-T-Mar’25 2023 2024 Y-T-Mar'24 Y-T-Mar'25 Gross Provision cost Recovery Net Pr
Slide 12: Profitability & Valuation
Profitability & Valuation EPS ROA & ROE (after tax) (NT$/Share) YoY YoY +3.1% -10.3% 8.32% * 1.01 7.33% 0.98 7.15% 7.16%* 0.29 0.26 0.64%* 0.54% 0.52% 0.52%* 2023 2024 Y-T-Mar'24 Y-T-Mar'25 2023 Y-T-Mar'24 2024 Y-T-Mar'25 ROA ROE * Annualized 12 Source: Management report / Consolidated repor
Slide 13: Capital Adequacy
Capital Adequacy CET1 (unconsolidated) BIS (unconsolidated) 12.24 (%) 15.28 15.26 (%) 12.08 11.98 15.00 11.82 15.14 15.03 14.87 11.87 11.90 11.77 14.44 2023 1Q'24 2024 1Q25 2023 1Q'24 2024 1Q'25 Industry FEIB Source: FSC report / Management report 13 Industry: 34 commercial banks (excluding
Slide 14: Contents
Contents 2023 Financial Financial Highlights Highlights 2023 Financial Highlights Key Strategies 14
Slide 15: Business Scale
Business Scale Assets Gross Loans (NT$Bn) (NT$Bn) Ach. % 96.8% Ach. % 97.1% 518 482 502 3/31'24 3/31'25 2025 * Deposits 879 (NT$Bn) Ach. % 854 808 97.0% 699 721 671 3/31'24 3/31'25 2025* 3/31'24 3/31'25 2025 * 15 *2025 Budget
Slide 16: Key Strategies
Key Strategies Expand business scale Steady loan growth, stronger momentum 2025 in offshore lending and personal loans. More focus on deposit diversification, increasing individual and SME deposit %, and CASA %. Tightened risk management on corp. loan portfolio, amid market uncertainty. Grow e
Slide 17: AI & Digital Transformation
AI & Digital Transformation AI implication Ready for AI customer Bankee’s new business service On-track transaction On-going testing for banking service flows KYC screening in new On-track personal account opening loan offering Tx monitoring in VASP payment process Ready for 8 AI too
Slide 18: ESG Sustainability Actions
ESG Sustainability Actions Green power Board of directors ESG Fund procurement structure Responsibility map CDP questionnaire & ranking Donate 1,000 SBTi summer classes to Internal Eden Foundation carbon pricing Social responsibility ESG investment Customer fair treatment Green l
Slide 19: Contents Appendix
Contents 2023Appendix Financial Highlights 19
Slide 20: Key Financial Highlights
Contents (NT$ m, except percentages and per share data) As of or for 12 months ended (Consolidated) December 31 2023 2024 1Q'24 1Q'25 YoY Key balance sheet items Total assets 792,504 853,463 807,848 854,008 5.7% Gross loans 473,824 495,151 481,532 502,036 4.3% 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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