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E.Sun Financial Holding Co., Ltd. Interim / Quarterly Report 2020

May 7, 2020

52215_rns_2020-05-07_b1e1b979-2cd4-4aa8-984a-bebe6787ea15.pdf

Interim / Quarterly Report

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E.SUN FHC Financial Review of 1Q 2020

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 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.

Agenda

  • 2020 1Q Financial Performance

  • 2020 1Q Business Operation Overview

  • Appendix

E.SUN FHC Summary

Unit : NT$ million
2020.03/1
2019.12
Total Assets FHC
2,597,644
2,498,358
Bank
2,583,866
2,481,011
Securities
13,500
14,991
Venture Capital
3,012
3,462
Key Financials Book value per share (NT$)
15.15
14.89
Double Leverage Ratio
103.98%
103.88%
FHC CAR
126.10% /2
126.10%
Channels Bank – domestic
139
139
Oversea channels
Branch: HK, LA, Singapore, Vietnam, Myanmar,
Japan, Sydney, Brisbane
Subsidiary: China and Cambodia (UCB)
Representative office in Hanoi
28 overseas sites
Securities - branches
17
17

Note: 1.Preliminary figures of Mar. 2020

  • 2.Audit figures of Dec. 2019

  • 3.Share owned by QFII: 41.17%, as of Mar. 31, 2020.

1

1Q20 Business and Financial Review

Financial Performance

  • For 1Q20, E.SUN FHC’s net revenues was NT$14.0 billion (+3.6%, yoy). Net profit was NT$4.5 billion, (-12.9%, yoy).

  • E.SUN Bank’s net profit was NT$5.0 billion, up by 0.1% (yoy).

  • EPS NT$0.39, ROE 10.40%, ROA 0.71%.

Business Operation

  • Net fee income NT$5.0 billion, up by 23.3% (yoy); Wealth management fee income NT$2.4 billion, up by 36% (yoy). Both numbers are record high for the first quarter of E.SUN.

  • Credit card fee income grew by 4.1% (yoy). E.SUN had the highest increase in active cards and card consumption among peers in 1Q20.

  • Loan growth was 9.2% ; Deposit and FX deposit grew by 9.6% and 26.4% respectively (yoy).

  • Asset quality was benign, NPL ratio at 0.19% and coverage ratio at 615.5%.

Highlights

  • Balanced dividend policy: The Board of Directors approved to pay NT $1.588 per share, including $0.791 in cash and $0.797 in stock (subject to decision from the AGM on June 12[th] ).

  • Excellence in overall performance: “Best Bank in Taiwan” by Global Finance; “The Most Valuable Banking Brand in Taiwan” and worldwide Top 10 credit card brand value by The Banker.

  • Corporate Governance: Top 5% in CG evaluation by TWSE for the 6th consecutive year, the longest winning streak by any Taiwanese financial institution.

2

Financial Performance

Net ProfitNet Profit

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Unit: NT$ million
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20,105
17,068
14,757
13,135
4,539
2016 2017 2018 2019 3M20
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EPSEPS
Unit: NT$ dollars
1.73
1.58
1.50 1.49
0.39
2016 2017 2018 2019 3M20
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ROE
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ROA
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12.07%
11.04%
10.35% 10.54% 10.40%
2016 2017 2018 2019 3M20
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0.84%
0.78%
0.71% 0.74% 0.71%
2016 2017 2018 2019 3M20
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Note: Preliminary figures of Mar. 2020

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 3M19
106.9%
3M20
5,034.9 5,209.7
5,031.5
4,539.2
Securities
2.4%
VC
111.2 183.7
-9.3% 76.9
(437.6)
Bank Securities VC FHC
Note: Preliminary figures of Mar. 2020
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4

Net Profit Breakdown

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Unit: NT$ million
3M20 P&L 13,968 (8,022)
(431 ) 4,539
(974 )
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
+3.6% +17.7% -12.9%
3M19 P&L 13,477 (6,818)
(510) 5,210
(935)
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
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Note: Preliminary figures of Mar. 2020

5

FHC Revenue Breakdown

Contribution by SubsidiariesTotal Net Revenue NT$ 13,968 million

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Net Fee Income
36.0%
Net Interest Fixed
Income Income, FX
36.2% & Others [/1]
27.8%
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  • Note: 1. 67.3% of “Fixed income, FX & Others” is associated with fixed income investment

  • Preliminary figures of Mar. 2020

Net Income of FHC and its Subs YoY Comparison Unit: NT$ million

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3M19
+23.3% YoY
3M20
5,052 5,024
4,826
4,577
4,074
3,892
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Net Fee Income Fixed Income, FX & Others

Net Interest Income

6

Net Fee Income Breakdown

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Contribution by SubsidiariesTotal Net Fee Income
YoY Comparison
NT 5,024 million
Unit: NT$ million
Consumer Corporate
Banking Banking Brokerage & +36.0% YoY
+4.1% YoY
2.0% 7.7% others 3M19
3M20
11.2%
2,404
Wealth
Management
1,768
47.9%
1,568
1,506
Credit Card
562
31.2%
389
349 336
115 101
Credit Card Wealth Consumer Corporate Brokerage
Management Banking Banking & Others
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Note: Preliminary figures of Mar. 2020

7

Credit Card Business Breakdown

Active Cards

Card Consumption

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Unit: Thousand Cards, %
Active Cards Market Share
13.1% 13.4%
11.5% 11.5%
11.1%
4,174 4,315
3,404
3,219
2,991
2016 2017 2018 2019 3M20
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Unit: NT$ million
Consumption Market Share
15.4%
13.3%
12.3% 12.0% 11.7%
430,521
340,160
318,984
300,134
111,655
2016 2017 2018 2019 3M20
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Per Card Spending (Monthly)

Unit: NT$ dollar

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8,595 8,625
8,362 8,258 8,327
2016 2017 2018 2019 3M20
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Gross Fee Income

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Unit: NT$ million
8,339
6,168
5,816
5,300
2,275
2016 2017 2018 2019 3M20
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8

Deposit and Loan Structure

Unit: NT$ Bn

Category 2020.3 QoQ
Growth %		 2019 YoY
Growth %		 2019.3
Total Deposits 2,089.4 2.1% 2,045.5 9.6% 1,906.1
Demand Deposits 831.6 2.0% 814.9 4.8% 793.5
Time Deposits 485.7 -1.2% 491.6 -3.2% 501.6
FCY Deposits 772.1 4.5% 739.1 26.4% 611.0
Total Loans/1 1,462.2 2.7% 1,424.0 9.2% 1,339.6
Corporate Loans 728.9 3.1% 706.7 8.0% 674.8
SME Loans 373.6 2.4% 365.0 8.6% 344.1
FCY Loans 260.0 5.4% 246.6 6.5% 244.2
Consumer Loans 733.3 2.2% 717.3 10.3% 664.7
Mortgage Loan 337.4 4.0% 324.4 19.2% 283.0
Unsecured Personal Loan 110.1 0.6% 109.4 5.8% 104.0
Credit Card Revolving Balance 13.2 -2.0% 13.5 6.2% 12.5

Note: Not including loan balance of subsidiaries NT$ 38 billion

9

Deposit Structure

Contribution by Subsidiaries Loan to Deposit Ratio

Deposit Structure

Unit: NT $Bn

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LDR FX LDR NTD LDR
90.2% 91.0%
87.5% 88.5%
85.7%
72.1% 71.0% 70.9% 69.6% 70.0%
39.6%
37.8% 37.2%
33.4% 33.7%
6M18 2018 6M19 2019 3M20
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3M19
3M20
+26.4% YoY
831.6
793.5 772.1
611.0
501.6 485.7
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NTD Demand
Deposits
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NTD Time Deposits FCY Deposits

Note: Data of E.SUN Bank

10

Loan Portfolio Breakdown

Contribution by SubsidiariesTotal Loan NT$ 1,475.4 billion

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YoY Comparison
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Unit: NT$ Bn

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3M19
SME 25.3%
3M20
373.6
Mortgage
355.3
22.9% 344.1 337.4
330.7
Large 285.8
283.0 277.8
Corporate
24.1%
110.1
104.0
Credit Card Secured 12.5 13.2
Revolving Unsecured Personal Loan
0.8% Personal Loan 19.4% Large SME Mortgage Credit Card Unsecured Secured
7.5% Corporate Personal Personal
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

1.36%
1.36%
1.36%
1.35%
1.34%
1.34%
4Q 18
1Q 19
2Q 19
3Q 19
4Q 19
1Q 20
NIM		 2.35%
2.37%
2.36%
2.31%
2.25%
2.19%
0.83%
1.47%
1.44%
1.44%
1.42%
1.38%
1.36%
Overall Lending Rate
Overall Deposit Rate
Interest Spread
4Q 18
1Q 19
2Q 19
3Q 19
4Q 19
1Q 20

Note: Data of E.SUN Bank

12

1/3 Superior Asset Quality

Contribution by Subsidiaries NPL Ratio(%)

Coverage Ratio(%)

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Unit: NT$ million
NPL NPL Ratio
3,080
3,023
2,842
2,662
2,483
0.24%
0.23%
0.18% 0.19% 0.19%
6M18 2018 6M19 2019 3M20
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Unit: NT$ million Loan Loss Reserve Coverage Ratio

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17,491
17,050
16,447
16,137
14,988
662.4% 640.4%
615.5%
524.0%
495.7%
6M18 2018 6M19 2019 3M20
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Note: Data of E.SUN Bank

13

2/3 Superior Asset Quality

Contribution by Subsidiaries NPL Ratio for Major Products

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NPL Ratio for Credit Card
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Unit: NT$ million

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Corporate NPL Ratio Mortgage NPL Ratio
0.23%
0.21%
0.20%
0.15% 0.14%
0.17%
0.15%
0.01%
0.10%
0.08%
6M18 2018 6M19 2019 3M20
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NPL NPL Ratio
156 150 152 163 165
0.23%
0.21% 0.23% 0.19% 0.20%
6M18 2018 6M19 2019 3M20
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Note: Data of E.SUN Bank

14

3/3 Superior Asset Quality

NPL Comparison with Market

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0.30%
0.28% 0.28%
Market 0.24% 0.24% 0.21% 0.24%
0.23% 0.24% 0.23%
E.SUN 0.21% 0.18% 0.19% 0.19%
6M17 2017 6M18 2018 6M19 2019 3M20
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Source : FSC

15

Cost-Income Ratio

Unit: NT$ million

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Net Revenue Operating Expense(exclu. provision) Cost Income Ratio
52,968.5
48,189.6
44,858.7 54.8% [2]
54.1%
53.6%
51.2%
28,652.3
24,036.5 24,652.6
14,004.7
7,677.1
2017 2018 2019 3M20
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Note: 1. Data of E.SUN Bank 2. Preliminary figures of Mar. 2020

16

Capital Adequacy Ratio

FHC CAR Ratio

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Bank BIS Ratio
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Tier 2 Ratio Tier 1 Ratio

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143.69%
136.56% 137.28%
125.20% 126.10%
15.24% 15.13%
15.01% 14.63% 14.62%
3.24% 3.27% 3.13% 2.92% 2.81%
12.00%
11.97% 11.81%
11.77% 11.71%
2017 6M18 2018 6M19 2019
2017 6M 18 2018 6M19 2019
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Note: 1. Audit figures of Dec. 2019 2. BIS of E.SUN Bank standalone

17

Thank You

  • If you wish to know more about

  • 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 9347,9310, 9346,9302 [email protected]

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1/6 Appendix

Balance Sheet of E.SUN FHC and its subsidiaries for 1Q2020

NT$ million
E.SUN Bank
(Consolidated)
E.SUN Securities
(Consolidated)
E.SUN Venture
Capital
E.SUN FHC
(Standalone)		 E.SUN FHC
(Consolidated)		 E.SUN FHC
(Consolidated)
Assets：
Cash and due from banks
138,091
1,960
79
348
Securities, net
800,023
1,267
2,894
81
Loans, net
1,483,103
0
0
0
A/R, net
100,873
7,193
4
141
Land, premises and equipments, net
32,611
329
0
11
Others
29,164
2,732
35
185,098
138,734

804,472

1,483,103

108,062

32,953

30,320
Total assets
2,583,865
13,481
3,012
185,679
2,597,644
Liabilities:
Deposits
2,125,245
0
0
0
Other liabilities
283,880
8,068
79
9,646
2,122,389

299,091
Total liabilities
2,409,125
8,068
79
9,646
2,421,480
Total stockholders' equity
174,740
5,413
2,933
176,033
176,164
Totalequity attributable to owners ofthe company
174,607
5,413
2,933
176,033
176,033
Non-Controllinginterests
133
0
0
0
131
Total liabilities and stockholders'equity
2,583,865
13,481
3,012
185,679		 2,597,644

Note: Preliminary figures of Mar. 2020

2/6 Appendix

P&L of E.SUN FHC and its subsidiaries for 1Q2020

NT$ million
E.SUN Bank
(Consolidated)
E.SUN Securities
(Consolidated)
E.SUN Venture
Capital
E.SUN FHC
(Standalone)		 E.SUN FHC
(consolidated)		 E.SUN FHC
(consolidated)
Operating income
Net interest income
4,989
76
0
(15)
Net fee income
4,671
354
0
0
Net trading income/(loss) & Derivatives & FX
4,108
(11)
(446)
0
Others
236
28
0
4,726		 5,052

5,024

3,651

241
Total Net Revenues
14,004
447
(446)
4,711
13,968
Allowance for bad-debt expenses
(431)
0
0
0
Operatingexpenses
(7,677)
(296)
(4)
(85)		 (431)

(8,022)
Income before income tax
5,896
151
(450)
4,626
Income tax expenses
(859)
(40)
13
(87)
5,515

(974)
Net Income
5,037
111
(437)
4,539
4,541
Attributableto owners of the company
5,035
111
(437)
4,539		 4,539
Non-controllinginterests
2
0
0
0		 2

Note: Preliminary figures of Mar. 2020

3/6 Appendix

E.SUN FHC’s Balance Sheet (Consolidated)

Yearly Results Quarterly Quarterly Results Quarterly Results
NT$ million 2017
2018
2019		 Mar 19
Jun 19
Sep 19
Dec 19		 Mar 20
Assets：
Cash and due from banks
Securities, net
Loans, net
A/R, net
Land, premises and equipments, net
Others		 131,175
132,444
128,579
577,285
660,622
742,487
1,211,071
1,333,277
1,444,322
94,083
93,451
113,150
28,209
32,605
33,351
32,565
35,388
36,469		 135,466
130,863
118,743
128,579
719,526
690,573
717,834
742,487
1,352,561
1,384,938
1,414,961
1,444,322
92,944
111,795
119,149
113,150
32,750
32,809
33,353
33,351
37,513
35,359
38,257
36,469
138,734

804,472

1,483,103

108,062

32,953

30,320
Total assets 2,074,388
2,287,787
2,498,358		 2,370,760
2,386,337
2,442,297
2,498,358
2,597,644
Liabilities:
Deposits
Other liabilities		 1,711,175
1,885,885
2,082,070
214,265
241,772
243,107		 1,930,403
1,951,424
2,017,635
2,082,070
273,490
270,472
255,538
243,107
2,122,389

299,091
Total liabilities 1,925,440
2,127,657
2,325,177		 2,203,893
2,221,896
2,273,173
2,325,177
2,421,480
Total stockholders' equity 148,948
160,130
173,181		 166,867
164,441
169,124
173,181
176,164
Totalequity attributableto owners of the company 148,842
160,014
173,058		 166,748
164,327
169,004
173,058		 176,033
Non-Controllinginterests 106
116
123		 119
114
120
123		 131
Total liabilities andstockholders' equity 2,074,388
2,287,787
2,498,358		 2,370,760
2,386,337
2,442,297
2,498,358
2,597,644

Note: Preliminary figures of Mar. 2020

4/6 Appendix

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

Yearly Results Quarterly Quarterly Results Quarterly Results
NT$ million 2017
2018
2019		 1Q19
2Q19
3Q19
4Q19		 1Q20
Operating income
Net interest income
Fee income
Net trading income/(loss) & Derivatives & FX
Others		 20,250
20,311
19,871
15,776
16,371
18,725
9,733
12,459
15,629
348
288
298
46,107
49,429
54,523
(4,055)
(3,253)
(1,598)
(25,179)
(25,839)
(29,855)
16,873
20,337
23,070
(2,219)
(3,254)
(2,950)
14,654
17,083
20,120
14,757
17,069
20,105
(103)
14
15		 4,826
4,928
5,071
5,046
4,074
4,589
5,141
4,921
4,492
3,642
3,807
3,688
85
79
55
79
5,052

5,024

3,651

241
Total Net Revenues 13,477
13,238
14,074
13,734		 13,968
Allowance for bad-debt expenses
Operatingexpenses		 (511)
(489)
(296)
(302)
(6,818)
(7,019)
(7,745)
(8,273)		 (431)

(8,022)
Income before income tax
Income tax expenses		 6,148
5,730
6,033
5,159
(935)
(664)
(493)
(858)
5,515

(974)
Net Income 5,213
5,066
5,540
4,301
4,541
Income Attributable to owners of the company 5,210
5,063
5,534
4,298
4,539
Non-Controllinginterests 3
3
6
3		 2

Note: Preliminary figures of Mar. 2020

5/6 Appendix

E.SUN Bank’s Balance Sheet

Yearly Results Quarterly Quarterly Results Quarterly Results
NT$ million 2017
2018
2019		 Mar 19
Jun 19
Sep 19
Dec 19		 Mar 20
Assets：
Cash and due from banks
Securities, net
Loans, net
A/R, net
Land, premises and equipments, net
Others		 131,042
132,378
128,432
575,980
656,564
737,525
1,211,071
1,333,277
1,444,322
83,130
85,317
103,686
27,559
31,950
32,725
27,555
32,851
34,320
2,056,337
2,272,337
2,481,010
1,712,072
1,886,850
2,083,226
197,007
227,217
226,694
1,909,079
2,114,067
2,309,920
147,258
158,270
171,090
147,145
158,147
170,959
113
123
131
0
0
0
2,056,337
2,272,337
2,481,010		 135,374
130,794
118,692
128,432
714,990
686,171
713,178
737,525
1,352,561
1,384,938
1,414,961
1,444,322
84,237
102,890
109,964
103,686
32,113
32,201
32,737
32,725
34,899
32,938
35,884
34,320
138,091

800,023

1,483,103

100,873

32,611

29,164
Total assets 2,354,174
2,369,932
2,425,416
2,481,010
2,583,865
Liabilities:
Deposits
Other liabilities		 1,935,197
1,963,810
2,019,728
2,083,226
254,496
243,657
238,610
226,694
2,125,245

283,880
Total liabilities 2,189,693
2,207,467
2,258,338
2,309,920		 2,409,125
Totalstockholders'equity 164,481
162,465
167,078
171,090		 174,740
Total equityattributable to owners of the company 164,354
162,343
166,950
170,959
174,607
Non-Controllinginterests 127
122
128
131
133
Attributetoformerbusiness undercontrol 0
0
0
0		 0
Total liabilities andstockholders'equity 2,354,174
2,369,932
2,425,416
2,481,010		 2,583,865

Note: Preliminary figures of Mar. 2020

6/6 Appendix

E.SUN Bank’s P&L account

Yearly Results Quarterly Quarterly Results Quarterly Results
NT$ million 2017
2018
2019		 1Q19
2Q19
3Q19
4Q19		 1Q20
Operating income
Net interest income
Fee income
Net trading income/(loss) & Derivatives & FX
Others		 20,015
20,031
19,657
14,903
15,359
17,712
9,604
12,485
15,297
337
314
302
44,859
48,189
52,968
(3,869)
(3,209)
(1,603)
(24,037)
(24,653)
(28,652)
16,953
20,327
22,713
(2,167)
(3,204)
(3,054)
14,786
17,123
19,659
14,887
17,108
19,643
0
0
0
(101)
15
16		 4,785
4,884
5,011
4,977
3,871
4,333
4,874
4,634
4,260
3,599
3,777
3,661
86
81
56
79
4,989

4,671

4,108

236
Total Net Revenues 13,002
12,897
13,718
13,351
14,004
Allowance for bad-debt expenses
Operatingexpenses		 (511)
(490)
(300)
(302)
(6,546)
(6,706)
(7,404)
(7,996)		 (431)

(7,677)
Income before income tax
Income tax expenses		 5,945
5,701
6,014
5,053
(910)
(542)
(643)
(959)
5,896

(859)
Net Income 5,035
5,159
5,371
4,094
5,037
Attributable to owners of the company 5,032
5,155
5,365
4,091
5,035
Attribute to former business under control 0
0
0
0
0
Non-controllinginterests 3
4
6
3
2

Note: Preliminary figures of Mar. 2020

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