E.Sun Financial Holding Co., Ltd. — Interim / Quarterly Report 2015

E.SUN FHC Financial Review of 3Q 2015

Nov. 2015

Disclaimer

This Presentation is provided by E.SUN Financial Holding Co., Ltd. (‘E.SUN FHC’). E.SUN makes no guarantee or warranties as to the accuracy or correctness of all the material contained. After this presentation is released to the public, we undertake no obligation to update any relevant data to reflect any change hereafter.

This presentation may contain forward-looking statements. Statements that are not historical facts, including statements relating to the implementation of strategic initiatives, future business development and economic performance are forward-looking statements. Those statements involve uncertainties, risks, assumptions and other factors that could cause actual developments and results to differ materially from our statement in this presentation.

Agenda

• 2015 9M Financial Performance

• 2015 9M Business Operation Overview

E.SUN FHC Summary

Note: Preliminary figures of Sep. 2015

1

2015 Q3 Business and Financial Review

Financial Performance

• Net profit for 9M15 reached NT$10.39 billion, which was 23.6% higher than 9M14

• EPS NT$1.32，ROE 12.27%，ROA 0.84%

Business Operation

• Net interest income and Net fee income increased 13.5% and 23.6% YoY respectively.

• Moderate growth on Deposit and Loan balance, with 9.4% and 7.3% YTD growth respectively.

• Wealth Management, the main driver for Net fee income, grew 42.6% YoY in 9M15.  Vietnam Branch opened on 18[th] of Sep., further expand E.SUN’s overseas service coverage.

Asset Quality

• Asset quality maintain benign with NPL ratio of 0.18%.

• Coverage ratio was 719.2% by Sep. 2015.

2

Financial Performance

Net Profit

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Unit: NT$ million
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ROE

Note: 1. ROE and ROA are annualized. 2. Preliminary figures of Sep. 2015

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EPS
Unit: NT$ dollars
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ROA
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3

Net Income of FHC & its Subsidiaries

Contribution by Subsidiaries Contribution by Subsidiaries

Net Income of FHC and its Subsidiaries

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Unit: NT$ million

Note: Preliminary figures of Sep. 2015

4

Net Profit Breakdown

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9M 15 P&L
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Unit: NT$ million
29,336 (14,423)
(2,912)
(1,567) 10,391
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
9M 14 P&L
+143.7%
+19.7%
+23.6%
24,504 (13,002)
(1,195) (1,836)
8,405
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
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Note: 1. Net Profit is deduct non-controllable portion 2. Preliminary figures of Sep. 2015

5

FHC Revenue Breakdown

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Contribution by SubsidiariesTotal Net Revenue Net Income of FHC and its Subs
YoY Revenue Comparison
NT$ 29,336 million
Unit: NT$ million
+13.5% YoY
+23.6% YoY
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Note: Preliminary figures of Sep. 2015

6

Net Fee Income Breakdown

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Contribution by SubsidiariesTotal Net Fee Income Net Income of FHC and its Subs
YoY Comparison
NT$ 10,555 million
Unit: NT$ million
+8.2% YoY +42.6% YoY
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Note: 1. Preliminary Figures of Sep. 2015

2. WM Including Bancassurance fee from E.SUN Insurance Brokers

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Credit Card Business Breakdown

Active Cards

Card Consumption

Unit: Thousand Cards ， %

Unit: NT$ million

Per Card Spending (Monthly)

Unit: NT$ dollar

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Gross Fee Income

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Unit: NT$ million
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Deposit and Loan Structure

Unit: NT$ Bn

Note: 1.Exclude credit card revolving balance 4. Exclude deposit(US$ 473 million) and loan(US$ 407 million) from UBC, Cambodia 2. QoQ growth is 3Q15 vs 2Q15

3. YoY growth is 9M2015 vs 9M14

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Deposit Structure

Contribution by Subsidiaries Loan to Deposit Ratio

Deposit Structure

Unit: NT$ Bn

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Note: 1.Excluding Credit card revolving balance 3. Exclude deposit(US$ 473 million) and loan(US$ 407 million) from UCB, Cambodia 2. Financials of E.SUN Bank

10

Loan Portfolio Breakdown

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Contribution by SubsidiariesTotal Loan
NT$ 1,007.3 Bn
SME 24.8%
Mortgage
22.0%
Large
Corporate
24.9%
Credit Card Unsecured Secured
Revolving Personal Personal
1.1% Loan Loan
7.4% 19.8%
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YoY Comparison

Unit: NT$ Bn

Note: 1. Include Credit Card Revolving balance

2. Secured Personal Loan, which is fully collateralized.

3. As of Sep. 2015

4. Exclude loan(US$ 407 million) from UCB, Cambodia

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NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

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• Note: 1. Financials of E.SUN Bank

2. The net interest income restore the accounting treatment impact

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1/3 Superior Asset Quality

Contribution by Subsidiaries NPL Ratio(%)

Coverage Ratio(%)

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Note: .1. Financials of E.SUN Bank

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2/3 Superior Asset Quality

Contribution by Subsidiaries NPL Ratio for Major Products

NPL Ratio for Credit Card

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Note: .1. Financials of E.SUN Bank

14

3/3 Superior Asset Quality

NPL Comparison with Market

Market

E.SUN

Note: Source : FSC

15

Cost-Income Ratio

Unit: NT$ million

Note: 1. Preliminary figures of Sep. 2015

2. Financials of E.SUN Bank

16

Capital Adequacy Ratio

FHC CAR Ratio

Bank BIS Ratio

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13.21% 12.21% 12.24% 13.08% 12.75% 13.34%
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Note: 1. Audit figures of June 2015

2. As consolidated basis

17

Thank you

• If you wish to know more about

E.SUN, please visit our website site (www.esunfhc.com.tw/ir/ir.aspx) for more information.

• If you have further questions, please

• feel free to contact us through email or conference call

Mr. Anthony Cheng +8862 2175-1346 - Tonycheng [email protected]

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