遠東商銀召開2019年股東常會

　　遠東國際商業銀行於6月19日假臺北市國軍英雄館召開2019年股東常會，向股東報告過去一年的營運績效，並揭示「深耕數位金融、維持利基領先、發揮集團綜效」的策略方向，力拚掌握數位金融與領導品牌，追求企業永續經營，長期穩健增長。會中並通過2018年度盈餘分配案，每股配發新臺幣（以下同）0.715元股利，包含0.45元現金股利與0.265元股票股利，股利殖利率約7.1%。

獲利動能創近八年新高
　　遠東商銀2018年獲利動能強勁，稅前淨利達40.7億元，年度成長25%；每股盈餘(EPS) 為1.08元，年增24%，成長力度創近八年新高；總資產突破新臺幣6千億元，稅前資產報酬率（ROA）為0.68%，稅前股東權益報酬率（ROE）為9.30%。在業務績效表現亮眼同時，資產品質維持良好，逾期放款比率下降至0.237%，逾放覆蓋率提升至574%。亦因資產規模穩健成長等表現，惠譽信評機構於今年五月將遠東商銀的國際長期評等調升至BBB，國內長期評等調升至A+(twn)，長期展望維持穩定。

　　成長動能延續至今年，第一季稅前淨利13.8億元，較去年同期成長75%。年化稅前資產報酬率（ROA）為0.88%，年化稅前股東權益報酬率（ROE）為12.12%，皆已高於同業。

　　2018年度核心業務的主要進展如下：
＊跨境與國際聯貸主辦業務逐漸建立品牌，全行海外資產獲利佔比達40%。
＊全年共取得12項金融科技專利，專利數累計達20項，並建置區塊鏈測試環境，展現金融科技自主之研發能力。
＊推出全臺第一家的社群銀行「Bankee」，以信用卡先發，融合社群、遊戲及 AR 等元素，圈粉千禧世代族群。
＊FE跨界行動應用平臺之多錢包功能發展趨向完整，除遠東零售體系，也支援頂好超市等大型商店體系導入行動掃碼支付，提供包含支付寶、微信錢包、LinePay、遠傳friDay錢包等客群以手機在實體商家掃碼付款。
＊在遠東快樂信用卡以遠東集團卡為定位之帶動下，全行有效卡突破百萬張。
＊消費金融個人信貸業務收益連續三年達雙位數增長；策盟車貸業務持續鞏固市場領先地位。
＊參與財富管理與私人銀行評鑑獲香港The Asset財資雜誌頒發「臺灣區最佳財富管理銀行新星獎」，並蟬連財訊、卓越等專業媒體評鑑得獎肯定。

CSR獲雙料大獎
　　遠東商銀落實企業社會責任，蟬連「臺灣企業永續獎」及「BSI企業永續傑出獎」雙獎肯定。2018年具體績效包括：
＊參與第五屆公司治理評鑑，獲上市公司組排名前20%之佳績。
＊擴大綠能企業授信達207家，並購買綠電、導入ISO 14064-1溫室氣體盤查，以接軌國際環保之減碳標準，為綠色地球給力。
＊連年入選證交所「臺灣高薪100」及「臺灣就業99」等指數成份股，貢獻臺灣經濟；且投入人才培育有成，為金融業唯一連續1６年獲勞動部企業人力資源提升計畫補助肯定。
＊精進客戶服務，在亞太顧客服務協會（APCSC）舉辦之傑出顧客服務關係評選中脫穎而出，獲「最佳客戶聯絡中心獎」及「最佳效率顧客服務獎」等國際大獎。
＊協助身心障礙同胞自立，以伊甸愛心卡刷卡回饋，累積捐款伊甸基金會超過四千六百萬元，並持續雇用成年喜憨兒及視障同胞，且捐款三百萬元濟助花蓮地震災區重建。
＊發行「如歌歲月，人文風華」月曆，以文學家及藝術家的故居為題，邀請客戶持續探索臺灣美麗的人文角落，並每季邀請電影導演、音樂家、作家來本行演講。

佈局長期穩健成長動能
　　展望今年的成長動能，跨境金融服務團隊於上半年已成功籌組兩大跨境及國際聯貸案，聯貸金額達4.1億美元，而插旗新加坡及越南胡志明市設辦事處，也已順利進入當地政府審核的階段，迎合海內外企業南向及東協市場興起，海外戰果可望持續擴大；此外，遠東商銀亦密切關注美中貿易戰的影響，包括股匯市的變化、客戶業務可能受到的衝擊與臺商回流商機。

　　在數位創新方面，遠東商銀持續推升全行數位化的成熟度，除掌握open banking商機，深化大數據的運用與各項e化服務；Bankee社群銀行繼信用卡及存款之後，將加入貸款服務，連結的對象也由網紅、社群意見領袖擴大至中小型社福團體等；FE跨界行動應用平臺發展金流Open API，期協助各零售及餐飲通路開發各自的App支付服務，挑戰成為國內最佳的金流整合服務；遠東快樂信用卡則以金流及支付的專業，串連集團企業的金流服務平臺，持續朝服務彼此客群的方向合力打造遠東支付生態鏈，構築遠東生活圈。

　　因應躍進的科技與多變的世局，遠東商銀展現組織的靈活機敏，與時俱進，佈局長期穩健成長的動能，為追求股東、客戶、社會及員工共好的目標而持續努力！＃

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.＃