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E.Sun Financial Holding Co., Ltd. Interim / Quarterly Report 2017

May 31, 2017

52215_rns_2017-05-31_4c9adf90-a59a-431e-8c0b-cace0d0d7467.pdf

Interim / Quarterly Report

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E.SUN FHC Financial Review of 1Q 2017

May. 2017

Agenda

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  • 2017 Q1 Financial Performance

  • 2017 Q1 Business Operation Overview

  • Appendix

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Disclaimer

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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 is released to the we presentation public, undertake no obligation to update any relevant data to reflect any change hereafter.

This contain statements. Statements that are presentation may forward-looking 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.

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E.SUN FHC Summary

Unit : NT$ million Unit : NT$ million
2017.3 2016.12
FHC 1,919,008 1,884,300
Total Assets Bank 1,903,264 1,870,131
Securities 13,046 11,504
Venture Capital 3,640 3,657
Book value per share (NT$) 15.07 14.66
Key Financials Double Leverage Ratio 104.60% 104.80%
FHC CAR 130.72% 137.29%
Shareholder Structure QFII 48.09% 55.36%
Bank – domestic 137 137
Branch: HK, LA, Singapore, Vietnam, Australia,
Distribution Channels Oversea channels Myanmar
Subsidiary: China and Cambodia (UCB)
Representative office in Hanoi
Totally 24 overseas operating sites
Securities - branches 18 20

Note: Reviewed figures of Mar. 2017

1

1Q17 Business and Financial Review

Financial Performance

  • Net profit for 1Q17 reached NT$3.7 billion with net revenue increased 9.5% YoY.

  • EPS NT$0.43, ROE 11.42%, ROA 0.79%.

Business Operation

  • .

  • Net interest income and Net fee income increased by 12.8% and 5.0% respectively

  • Credit card fee income remained strong growth momentum, increased by 21.0% YoY.

  • Loan demand remained stable with total balance increased by 1.8% YTD.

  • Asset quality maintain benign with NPL ratio at 0.20% and coverage ratio at 587.35%.

Milestones

  • Rating upgrade by S&P and TRC (S&P Taiwan). E.SUN Bank (BBB+/twAA) and E.SUN FHC (BBB/twAA-) have received rating or outlook upgrade for the fourth consecutive year.

  • E.SUN FHC complete NT$ 10.5 billion rights issue on May 5, capital will inject into E.SUN bank for future business growth.

  • E.SUN Bank issued US$ 60 million green bond, the largest green bond issuer in Taiwan, demonstrating its commitment in CSR.

2

Financial Performance

Net Profit

EPS

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Unit: NT$ million
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12,816 13,135
10,529
8,416
3,733
2013 2014 2015 2016 3M17
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ROE

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11.42%
11.23%
11.11%
10.35%
10.65%
2013 2014 2015 2016 3M17
Note: Reviewed figures of Mar. 2017
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Unit: NT$ dollars
1.53 1.56 1.63 1.50
0.43
2013 2014 2015 2016 3M17
ROA
0.79%
0.77%
0.72% 0.71%
0.64%
2013 2014 2015 2016 3M17
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3

Net Income of FHC & its Subsidiaries

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Contribution by Subsidiaries Contribution by Subsidiaries Net Income of FHC and its Subsidiaries
Unit: NT$ million
Bank
98.4%
3,856.1 3,733.0
3,735.6 3,697.6
3M16
3M17
Securities
50.4
VC 1.3% 23.3 10.6
0.3%
Bank Securities VC FHC
(83.3)
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  • Note: 1. Reviewed figures of Mar. 2017 2. Insurance Brokers has been merged to Bank in Mar. 2016

4

Net Profit Breakdown

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3M17 P&L
Unit: NT$ million
10,521 (5,873)
(413) 3,733 [1/]
(494)
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
3M16 P&L +9.5% +13.7% +1.0%
9,605 (5,167)
(33) (689) 3,698 [1/]
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
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Note: Reviewed figures of Mar. 2017
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5

FHC Revenue Breakdown

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Contribution by Subsidiaries Total Net Revenue Net Income of FHC and its Subs
YoY Revenue Comparison
NT$ 10,521 million
Unit: NT$ million
+12.8% YoY
Net Fee Income +5.0% YoY 3M16
3M17
34.5%
4,882
4,329
3,632
3,459
LT Investment
Net Interest 0.1%
1,998
Income 1,791
46.4% Fixed Income
Investment & Others
19.0%
26 9
Net Interest Net Fee Income LT Investment Fixed Income
Income Investment &
Others
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Note: Reviewed figures of Mar. 2017

6

Net Fee Income Breakdown

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Contribution by Subsidiaries Total Net Fee Income Net Income of FHC and its Subs
YoY Comparison
NT 3,632 million
Consumer Unit: NT$ million
Banking Corporate +21.0% YoY
Banking
4.3%
9.9%
3M16
Securities
Wealth 3M17
&Others 1,690
Management 9.3% 1,600
44.1%
1,175
971
360
336
288 302
208
Credit Card 161
32.4%
Credit Card Wealth Consumer Corporate Securitie&Others
Management Banking Banking
Note: Reviewed figures of Mar. 2017
7
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Credit Card Business Breakdown

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Active Cards
Card Consumption
Unit: Thousand Cards，% Unit: NT$ million
Active Cards Market Share
10.43% 10.92% 11.30% 11.29% Consumption Market Share
10.42% 12.26%
3,001 3,036 11.17% 11.72%
2,541 2,770 9.96% 10.08% 300,134
2,351
252,381
211,154
193,119
71,706
2013 2014 2015 2016 3M17 2013 2014 2015 2016 3M17
Per Card Spending (Monthly) Gross Fee Income
Unit: NT$ dollar 5,300 Unit: NT$ million
7,593 8,362 7,870 4,500
6,846 6,925 3,979
3,606
1,424
2013 2014 2015 2016 3M17 2013 2014 2015 2016 3M17
Note: Market share of Mar. 2017
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8

Deposit and Loan Structure

Unit: NT$ Bn

Category
2017.3
YTD
Growth %
2016
2016
Growth %
2015
 Category
2017.3
YTD
Growth %
2016
2016
Growth %
2015
 Category
2017.3
YTD
Growth %
2016
2016
Growth %
2015
Category
2017.3
YTD
Growth %
2016
2016
Growth %
2015
Total Deposits
1,546.1
0.2%
1,542.6
6.6%
1,447.4
Demand Deposits
697.4
(3.8%)
725.2
7.8%
672.9
Time Deposits
424.7
0.3%
423.3
(2.0%)
431.8
FCY Deposits
424.1
7.6%
394.0
15.0%
342.6
Total Loans1/
1,128.1
1.8%
1,107.7
9.2%
1,014.8





Corporate Loans
562.5
1.8%
552.3
9.5%
504.4
SME Loans
299.5
1.9%
294.0
11.8%
263.0
Consumer Loans
565.7
1.8%
555.5
8.8%
510.4
Mortgage Loan
233.7
1.8%
229.6
2.8%
223.3
Unsecured Personal Loan
91.7
0.8%
91.0
14.2%
79.7
Credit Cards in force (‘000s)
3,036
1.5%
2,991
8.0%
2,770
Accumulated Credit Card Spending
71.7
7.6%2/
300.1
18.9%
252.4
Credit Card Revolving Balance
11.3
(1.7%)
11.5
10.6%
10.4		 Accumulated Credit Card Spending
71.7
7.6%2/
300.1
18.9%
252.4
Credit Card Revolving Balance
11.3
(1.7%)
11.5
10.6%
10.4

Note: 1. Excluded loan balance from subsidiaries of NT $20.6 billion and credit card revolving balance 2. YoY growth 3M17 vs 3M16

9

Deposit Structure

Loan to Deposit Ratio Contribution by Subsidiaries

Deposit Structure

Unit: NT$ Bn

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Total Deposits Total Loans LDR NTD LDR
1,387.5 1,447.4 1,488.7 1542.6 1,546.2
1,107.7 1,128.1
83.7%
84.6%
1030.7
980.7 1019.5
78.0%
77.5% 77.5%
73.0%
71.8%
70.7%
70.4%
69.2%
6M15 2015 6M16 2016 3M17
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Unit: NT$ Bn 3M16 3M17 697.4 684.2 423.5 424.7 424.1 355.6 NTD Demand NTD Time Deposits FCY Deposits Deposits

Note: 1. Excluded Credit card revolving balance 2. Financials of E.SUN Bank 3. Excluded deposit and loan of subsidiaries

10

Loan Portfolio Breakdown

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Contribution by Subsidiaries Total Loan
YoY Comparison
NT$ 1,139.5 billion
Unit: NT$ Bn
SME 26.3%
3M16
Mortgage 3M17
20.5%
299.5
Large
Corporate 263.0 258.8
23.1% 239.2 233.7 240.3
220.6
209.0
91.7
80.9
Credit Card Secured
11.3
Revolving Personal Loan 10.4
1.0% 21.1%
Unsecured Large SME Mortgage Credit Card Unsecured Secured
Personal Loan
Corporate Personal Personal
8.0%
Loan Loan
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Note: 1. Secured Personal Loan is fully collateralized by fixed asset 2. Excluded loan of subsidiaries

11

NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

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Overall Lending Rate Overall Deposit Rate
Interest Spread
1.74% 1.71% 1.71% 1.71% 1.69% 1.65%
NIM
2.46% 2.42%
2.34% 2.28% 2.25% 2.25%
1.35% 1.35%
1.33%
1.31% 1.32%
1.30%
0.72% 0.71%
0.63% 0.57% 0.56% 0.60%
4Q 15 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17
4Q 15 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17
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Note: 1. Financials of E.SUN Bank

2. The net interest income restore the accounting treatment impact

12

1/3 Superior Asset Quality

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Contribution by Subsidiaries NPL Ratio(%) Coverage Ratio(%)
Unit: NT$ million Unit: NT$ million
Loan Loss Reserve Coverage Ratio
12,563 13,528
13,305
12,526
12,080
NPL NPL Ratio
930.3%
676.3%
629.9%
575.2% 587.4%
0.20%
0.21% 0.19%
0.18%
0.13%
2,100 2,112 2,303
1,852
1,350
6M 15 2015 6M 16 2016 3M 17 6M 15 2015 6M 16 2016 3M17
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Note: Financials of E.SUN Bank

13

2/3 Superior Asset Quality

Contribution by Subsidiaries NPL Ratio for Major Products

NPL Ratio for Credit Card

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Unit: NT$ million
Corporate NPL Ratio Mortgage NPL Ratio
NPL NPL Ratio
0.28%
0.14% 0.18% 0.14% 0.19% 0.23% 0.23% 0.26% 0.26%
0.08% 133 147 141
0.07% 94 107
0.07%
0.06% 0.08% 0.06%
6M15 2015 6M16 2016 3M17 6M 15 2015 6M 16 2016 3M17
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Note: Financials of E.SUN Bank

14

3/3 Superior Asset Quality

NPL Comparison with Market

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Market
E.SUN 0.28% 0.25% 0.25% 0.24% 0.27% 0.27% 0.30%
0.18% 0.21% 0.18% 0.19% 0.20%
0.15% 0.13%
6M 14 2014 6M 15 2015 6M 16 2016 3M17
Source : FSC
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15

Cost-Income Ratio

Unit: NT$ million

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Net Revenue Operating Expense(exclu. provision) Cost Income Ratio
37,285.9 40,277.1
30,688.5
53.9%
53.1%
54.0%
51.1% 21,383.5
19,042.8
16,550.0
10,408.4
5,613.2
2014 2015 2016 3M17
Note: 1. Reviewed figures of Mar. 2017
2 Financials of E.SUN Bank
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16

Capital Adequacy Ratio

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FHC CAR Ratio Bank BIS Ratio
Tier 2 Ratio Tier 1 Ratio
141.53% 141.73%
139.10% 13.34% 13.33% 14.54% 14.19% 14.31%
137.29%
130.72%
4.35% 3.89% 3.79%
3.90% 3.93%
10.19% 10.30% 10.52%
9.44% 9.40%
6M 15 2015 6M 16 2016 3M 17 6M 15 2015 6M 16 2016 3M 17
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Note: 1. Preliminary figures of Mar. 2017 2. As consolidated basis

17

Thank You

  • If you wish to know more about

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

  • If you have further questions, please

  • feel free to contact us through email or conference call

  • For more information, please contact Investor Relations Department +8862 2175 1313 Ext 1346, 9347,9302 [email protected]

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1/6 Appendix

Balance Sheet of 1Q2017 for E.SUN FHC and its subsidiaries

NT$ million
E.SUN Bank
(consolidated)
E.SUN Sec.
(Consolidated)
E.SUN VC
E.SUN FHC
(Standalone)		 E.SUN FHC
(consolidated)
Assets：
Cash and due from banks
102,726
229
318
1,555
Securities, net
521,557
645
534
0		 102,784
522,736
Loans, net
1,137,049
0
0
0
A/R, net
68,975
9,023
13
104
LT investments, net
538
120
2,263
138,443
Land, premises and equipments, net
26,214
356
0
31
Others
46,205
2,673
512
3,197		 1,137,049
78,011
2,929
26,864
48,635
Total assets
1,903,264
13,046
3,640
143,330		 1,919,008
Liabilities:
Deposits
1,559,579
0
0
0
Other liabilities
213013
8284
7
10980		 1,556,075
229950

,
,

,		 ,
Total liabilities
1,772,592
8,284
7
10,980		 1,786,025
Total stockholders' equity
130,672
4,762
3,633
132,350		 132,983
Total equityattributable to owners of the company
130,033
4,762
3,633
132,350		 132,350
Non-Controllinginterests
639
0
0
0		 633
'
Total liabilities andstockholders equity
1,903,264
13,046
3,640
143,330		 1,919,008

Note: Reviewed figures of Mar. 2017

2/6 Appendix

P&L of E.SUN FHC and its subsidiaries for 1Q2017

E.SUN FHC
(consolidated)
4,882		 E.SUN FHC
(consolidated)
4,882
NT$ million
E.SUN Bank
(Consolidated)
E.SUN Sec.
(Consolidated)
E.SUN VC
E.SUN FHC
(Standalone)		 E.SUN FHC
(consolidated)
Operating income
Net interest income
4,840
75
1
(33)
 4,882
Net fee income
3,460
173
0
0
LT investment income
0
0
9
3,917
Net trading income/(loss) & Derivatives & FX
2,083
30
36
(134)
Others
25
24
(34)
23		 3,632
9
2,014
(16)
Total Net Revenues

10,408
302
12
3,773		 10,521
Allowance for bad-debt expenses
(413)
0
0
0
Operating expenses
(5,613)
(242)
(5)
(70)		 (413)
(5,872)
Income before income tax
4,382
60
7
3,703
Income tax expenses
(517)
(10)
4
30		 4,236
(494)
Net Income
3,865
50
11
3,733		 3,742
Attributable to owners of the company
3,856
50
11
3,733		 3,733
Non-controlling interests
9
0
0
0		 9

Note: Reviewed figures of Mar. 2017

3/6 Appendix

E.SUN FHC’s Balance Sheet (Consolidated)

Mar 17
102,784
 Mar 17
102,784
NT$ million 2014
2015
2016
Yearly Results		 Quarterly Results
Mar 16
Jun 16
Sep 16
Dec 16		 Mar 17
Assets：
Cash and due from banks
 89,638
104,113
99,545


 96,705
88,346
86,116
99,545



 102,784
Securities, net
Loans, net
A/R, net
LT investments, net
Land, premises and equipments, net		 420,897
469,508
502,761
934,614
1,021,995
1,118,149
73,088
78,562
83,936
2,184
2,386
2,809
21,106
26,792
26,440		 517,090
548,099
515,775
502,761
1,017,679
1,038,719
1,080,228
1,118,149
76,731
84,218
79,367
83,936
2,700
2,706
2,736
2,809
26,856
27,390
27,451
26,440		 522,736
1,137,049
78,011
2,929
26,864
Others 24,893
71,928
50,660		 64,604
54,940
52,175
50,660		 48,635
Total assets 1,566,420
1,775,284
1,884,300
1,280,692
1,456,394
1,556,422		 1,802,365
1,844,418
1,843,848
1,884,300		 1,919,008
Liabilities:
Deposits		 1,476,395
1,497,509
1,493,485
1,556,422		 1,556,075
Other liabilities 178,067
197,229
198,697		 201,688
221,838
222,415
198,697		 229,950
Total liabilities 1,458,759
1,653,623
1,755,119
107,661
122,661
129,181

106,876
120,927
128,524
785
734
657		 1,678,083
1,719,347
1,715,900
1,755,119		 1,786,025
Total stockholders' equity 124,282
125,071
127,948
129,181		 132,983
Total equity attributable to owners of the company 123,480
124,272
127,162
128,524		 132,350
Non-Controlling interests 802
799
786
657		 633
Total liabilities and stockholders' equity 1,566,420
1,775,284
1,884,300		 1,802,365
1,844,418
1,843,848
1,884,300		 1,919,008

Note: Reviewed figures of Mar. 2017

4/6 Appendix

E.SUN FHC’s P&L account (Consolidated)

1Q16
2Q16
3Q16
4Q16
1Q17
Quarterly Results		 1Q16
2Q16
3Q16
4Q16
1Q17
Quarterly Results		 1Q16
2Q16
3Q16
4Q16
1Q17
Quarterly Results
NT$ million 2014
2015
2016
Yearly Results
1Q16
2Q16
3Q16
4Q16		 1Q17
Operating income
Net interest income
Net Fee income
LT investment income
Net trading income/(loss) & Derivatives & FX
Oh		 15,485
17,474
18,585
11,470
13,878
15,548
121
71
91
5,602
7,378
6,586


 4,329
4,528
4,751
4,977
3,459
3,825
4,373
3,891
26
6
56
3
1,777
1,625
1,659
1,525



 4,882
3,632
9
2,014
ters 77
(312)
254
32,755
38,489
41,064
(2,034)
(3,566)
(3,463)
(17,950)
(20,138)
(22,396)
12,771
14,785
15,205		 14
31
32
177		 (16)
Total Net Revenues 9,605
10,015
10,871
10,573		 10,521
Allowance for bad-debt expenses
Operating expenses		 (33)
(541)
(1,028)
(1,861)
(5,167)
(5,397)
(5,636)
(6,196)		 (413)
(5,873)
Income before income tax 4,405
4,077
4,207
2,516		 4,236
Income tax expenses (2,166)
(1,906)
(2,222)
10,605
12,879
12,983
10,529
12,816
13,135
0
0
0


 (689)
(560)
(726)
(247)		 (494)
Net Income 3,716
3,517
3,481
2,269		 3,742
Income Attributable to owners of the company 3,698
3,546
3,474
2,417		 3,733
Attribute to former business under control 0
0
0
0		 0
Non-Controllin interests
g 76
63
(152)		 18
(29)
7
(148)		 9

Note: Reviewed figures of Mar. 2017

5/6 Appendix

E.SUN Bank’s Balance Sheet

Mar 17
102,726		 Mar 17
102,726
NT$ million 2014
2015
2016
Yearly Results		 Quarterly Results
Mar 16
Jun 16
Sep 16
Dec 16		 Mar 17
Assets：
Cash and due from banks		 89,599
103,947
99,446		 96,603
88,342
86,046
99,446		 102,726
Securities, net
Loans, net
A/R, net
LT investments, net
Land premises and equipments net		 417,344
467,481
501,867
934,614
1,021,995
1,118,149
65,392
71,523
75,992
546
542
538
20,247
26,156
25,785		 516,351
546,517
513,982
501,867
1,017,679
1,038,719
1,080,228
1,118,149
68,859
76,924
71,682
75,992
541
538
538
538
26,219
26,719
26,819
25,785		 521,557
1,137,049
68,975
538
26,214
, ,
Others		 24,202
68,986
48,354
1,551,944
1,760,630
1,870,131
1284728
1457201
1558856		 61,011
52,156
49,880
48,354		 46,205
Total assets 1,787,263
1,829,915
1,829,175
1,870,131		 1,903,264
Liabilities:
 1478221
1502420
1495822
1558856		 1559579
Deposits
Other liabilities		 ,,
,,
,,
,,
187,812
205,416
207,925
184,241		 ,,
213,013
Total liabilities 1,666,033
1,707,836
1,703,747
1,743,097		 1,772,592
Total stockholders' equity 121,230
122,079
125,428
127,034		 130,672
120,423
121,274
124,635
126,371		 130,033
Non-Controllinginterests
785
1,133
663		 807
805
793
663		 639
Attribute to former business under control
0
734
0
Total liabilities and stockholders' equity
1,551,944
1,760,630
1,870,131		 0
0
0
0		 -
1,787,263
1,829,915
1,829,175
1,870,131		 1,903,264

Note: Reviewed figures of Mar. 2017

6/6 Appendix

E.SUN Bank’s P&L account

1Q16
2Q16
3Q16
4Q16
1Q17
4,289
4,486
4,709
4,935
4,840
Quarterly Results		 1Q16
2Q16
3Q16
4Q16
1Q17
4,289
4,486
4,709
4,935
4,840
Quarterly Results		 1Q16
2Q16
3Q16
4Q16
1Q17
4,289
4,486
4,709
4,935
4,840
Quarterly Results
NT$ million 2014
2015
2016
Yearly Results		 Quarterly Results
1Q16
2Q16
3Q16
4Q16		 1Q17
Operating income
Net interest income		 15,286
17,253
18,419		 4,289
4,486
4,709
4,935		 4,840
Fee income
LT investment income
Net trading income/(loss) & Derivatives & FX
Others		 9,910
13,190
14,939
48
45
54
5,318
6,522
6,575
127
276
290
30,689
37,286
40,277		 3,294
3,680
4,220
3,745
5
6
43
0
1,904
1,540
1,756
1,375
23
39
37
191		 3,460
0
2,083
25
Total Net Revenues 9,515
9,751
10,765
10,246		 10,408
Allowance for bad-debt expenses
Operatingexpenses		 (2,034)
(3,566)
(3,462)
(16,560)
(19,043)
(21,384)
12,095
14,677
15,431
(1,814)
(1,947)
(2,171)
10,281
12,730
13,260		 (32)
(540)
(1,029)
(1,861)
(4,916)
(5,151)
(5,381)
(5,936)		 (413)
(5,613)
Income before income tax
Income tax expenses		 4,567
4,060
4,355
2,449
(667)
(557)
(729)
(218)		 4,382
(517)
Net Income 3,900
3,503
3,626
2,231		 3,865
Attributable to owners of the company 10,205
11,908
13,265
0
759
146
76
63
(151)		 3,736
3,532
3,618
2,379		 3,856
Attribute to former business under control 146
0
0
0		 0
Non-controllinginterests 18
(29)
8
(148)		 9

Note: Reviewed figures of Mar. 2017

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