远东商银召开2019年股东常会

　　远东国际商业银行於6月19日假台北市国军英雄馆召开2019年股东常会，向股东报告过去一年的营运绩效，并揭示「深耕数位金融、维持利基领先、发挥集团综效」的策略方向，力拚掌握数位金融与领导品牌，追求企业永续经营，长期稳健增长。会中并通过2018年度盈余分配案，每股配发新台币（以下同）0.715元股利，包含0.45元现金股利与0.265元股票股利，股利殖利率约7.1%。

获利动能创近八年新高
　　远东商银2018年获利动能强劲，税前净利达40.7亿元，年度成长25%；每股盈余(EPS) 为1.08元，年增24%，成长力度创近八年新高；总资产突破新台币6千亿元，税前资产报酬率（ROA）为0.68%，税前股东权益报酬率（ROE）为9.30%。在业务绩效表现亮眼同时，资产品质维持良好，逾期放款比率下降至0.237%，逾放覆盖率提升至574%。亦因资产规模稳健成长等表现，惠誉信评机构於今年五月将远东商银的国际长期评等调升至BBB，国内长期评等调升至A+(twn)，长期展望维持稳定。

　　成长动能延续至今年，第一季税前净利13.8亿元，较去年同期成长75%。年化税前资产报酬率（ROA）为0.88%，年化税前股东权益报酬率（ROE）为12.12%，皆已高於同业。

　　2018年度核心业务的主要进展如下：
＊跨境与国际联贷主办业务逐渐建立品牌，全行海外资产获利占比达40%。
＊全年共取得12项金融科技专利，专利数累计达20项，并建置区块链测试环境，展现金融科技自主之研发能力。
＊推出全台第一家的社群银行「Bankee」，以信用卡先发，融合社群、游戏及 AR 等元素，圈粉千禧世代族群。
＊FE跨界行动应用平台之多钱包功能发展趋向完整，除远东零售体系，也支援顶好超市等大型商店体系导入行动扫码支付，提供包含支付宝、微信钱包、LinePay、远传friDay钱包等客群以手机在实体商家扫码付款。
＊在远东快乐信用卡以远东集团卡为定位之带动下，全行有效卡突破百万张。
＊消费金融个人信贷业务收益连续三年达双位数增长；策盟车贷业务持续巩固市场领先地位。
＊参与财富管理与私人银行评监获香港The Asset财资杂志颁发「台湾区最佳财富管理银行新星奖」，并蝉连财讯、卓越等专业媒体评监得奖肯定。

CSR获双料大奖
　　远东商银落实企业社会责任，蝉连「台湾企业永续奖」及「BSI企业永续杰出奖」双奖肯定。2018年具体绩效包括：
＊参与第五届公司治理评监，获上市公司组排名前20%之佳绩。
＊扩大绿能企业授信达207家，并购买绿电、导入ISO 14064-1温室气体盘查，以接轨国际环保之减碳标准，为绿色地球给力。
＊连年入选证交所「台湾高薪100」及「台湾就业99」等指数成份股，贡献台湾经济；且投入人才培育有成，为金融业唯一连续1６年获劳动部企业人力资源提升计画补助肯定。
＊精进客户服务，在亚太顾客服务协会（APCSC）举办之杰出顾客服务关系评选中脱颖而出，获「最佳客户联络中心奖」及「最佳效率顾客服务奖」等国际大奖。
＊协助身心障碍同胞自立，以伊甸爱心卡刷卡回馈，累积捐款伊甸基金会超过四千六百万元，并持续雇用成年喜憨儿及视障同胞，且捐款三百万元济助花莲地震灾区重建。
＊发行「如歌岁月，人文风华」月历，以文学家及艺术家的故居为题，邀请客户持续探索台湾美丽的人文角落，并每季邀请电影导演、音乐家、作家来本行演讲。

布局长期稳健成长动能
　　展望今年的成长动能，跨境金融服务团队於上半年已成功筹组两大跨境及国际联贷案，联贷金额达4.1亿美元，而插旗新加坡及越南胡志明市设办事处，也已顺利进入当地政府审核的阶段，迎合海内外企业南向及东协市场兴起，海外战果可望持续扩大；此外，远东商银亦密切关注美中贸易战的影响，包括股汇市的变化、客户业务可能受到的冲击与台商回流商机。

　　在数位创新方面，远东商银持续推升全行数位化的成熟度，除掌握open banking商机，深化大数据的运用与各项e化服务；Bankee社群银行继信用卡及存款之後，将加入贷款服务，连结的对象也由网红、社群意见领袖扩大至中小型社福团体等；FE跨界行动应用平台发展金流Open API，期协助各零售及餐饮通路开发各自的App支付服务，挑战成为国内最佳的金流整合服务；远东快乐信用卡则以金流及支付的专业，串连集团企业的金流服务平台，持续朝服务彼此客群的方向合力打造远东支付生态链，构筑远东生活圈。

　　因应跃进的科技与多变的世局，远东商银展现组织的灵活机敏，与时俱进，布局长期稳健成长的动能，为追求股东、客户、社会及员工共好的目标而持续努力！＃

2019 General Shareholders’ Meeting of FEIB
The 2019 general shareholders’ meeting of FEIB (TPE: 2845) was held on June 19 at Taipei Hero House to deliver FEIB’s 2018 business performance and 2019 strategies.  Under 3 pivot strategies i.e. “digital innovation, niche leading competitiveness, and group synergy enforcement”, FEIB is expected to continue coping with digital trend, strengthening leading niche position and pursuing business long-term steady growth in 2019. 

The annual general meeting also approved dividend distribution of NT$0.715 per share, including cash dividend of NT$ 0.45 and stock dividend of NT 0.265. The total dividend yield was around 7.1%.

The Highest Profitability in 8 Years
In 2018, FEIB delivered income before tax of NT$4.07 billion, increased YOY by 25%. EPS was NT$1.08, increased YOY by 24%, representing the highest growth rate in 8 years. Total assets exceeded NT$600 billion, pre-tax ROA and ROE improved to 0.68% and 9.30%, respectively.  The asset quality remained good, with NPLratio down to 0.237%, and NPL coverage ratio up to 574%.  Just in last month, Fitch Ratings upgraded FEIB’s Foreign Currency Long-Term Rating  to BBB, National Long-Term Rating to 'A+(twn)' and remained FEIB’s outlook “stable”.

FEIB’s profitability momentum continued into 1Q’2019, with income before tax reaching NT$1.38Bn, or 75% YoY growth. The annualized pre-tax ROA and ROE were 0.88% and 12.12%, respectively, all exceeding the industry average.

FEIB’s 2018 major developments of core businesses include： 
＊Lead mandates of international syndication loans gradually gain branding. Profit from overseas markets accounted for 40% of total profits in 2018.
＊FEIB got 12 FinTech patents and established blockchain test environment in 2018.  ＊FEIB has total 20 patents up to date in tech R&D.
＊FEIB led the market in launching social bank ”Bankee” as an online banking brand. ＊Its credit card is attractive to millennials via bundling social media, mobile game, and AR.
＊FEIB’s Integrated Payment Platform processed mobile payment for major retail chains, not only FE retail stores but also Welcome Supermarket chains. It is available for customer’s QR code payment in almost all kinds of mobile wallets.
＊FE Happy Card, positioned as FE Group’s flagship card, led FEIB’s card business growing to over 1 million active cards.
＊FEIB’s niche personal loans achieved double-digital growth for 3 consecutive years. The strategic-alliance car loans remained the leading business in the market.
＊As branding recognition, the wealth management business received 7 awards from The Asset magazine in HK, winning prizes from Wealth Magazine and Excellent Magazine in Taiwan.

2 Major CSR Awards
FEIB believes in corporate social responsibility. The CSR report was recognized by “Taiwan Corporate Sustainability Award” and “BSI Sustainability Excellence Award” in 2018.  In the 5th corporate governance review by TWSE (Taiwan Stock Exchange), FEIB was ranked top 20% among listed companies.

To support green energy, FEIB provided green financing to 207 companies, purchased green energy, and implemented ISO 14064-1 for greenhouse gases inventory. FEIB stock was included in TWSE’s “Taiwan High-Pay 100 Index” and “Taiwan Employee 99 Index”.  With commitment in employee training, FEIB gained subsidy from Ministry of Labor for 16 consecutive years.  As recognition to customer service excellence, FEIB was awarded by Asia Pacific Customer Service Consortium in HK.  To encourage independency of disables, FEIB has donated over NT$46 million accumulatively to Eden Foundation, hired challenged adults of Children Are Us Foundation, and donated NT$3 million to the Reconstruction Fund after Hualien earthquake. To share culture enrichment with customers, FEIB’s 2019 calendar printed national-preserved heritages of artists and litterateurs.

Momentum for Long-term Steady Growth
Going into 2019, FEIB’s offshore business continues strong with 2 more lead mandates of international syndication loans closed already and rep. offices in Vietnam and Singapore are under way.  Because of China–United States trade war , FEIB is ready for opportunities from inflow of overseas Taiwanese companies.

FEIB deepens digital banking implementation. For social bank brand, “Bankee” adds new product like personal loan and will include new customer base like small social welfare organizations. Through Open API, FEIB assists retail stores installing their own-brand APP, and connects mobile payment with FE Integrated Payment Platform.  As the main payment instrument within FE retail chains, FE Happy Card connects consumer’s payment with benefits and integrates retail store’s cash flow with FEIB’s settlement to become a complete ecosystem for FEG consumers’ and retail chains’ upmost convenience. 

Amid fast changing technologies and world economy, FEIB will stay agile coping with industry development trend, continue long-term steady growth and strive for mutual benefits of stockholders, customers, society and employees.＃