FEIB Scaling Assets, Enabling AI Innovation, and Delivering Operational Resilience

Far Eastern International Bank (FEIB, TWSE: 2845) today held its 2026 General Shareholders’ Meeting at 9:00 a.m. at the GIS MOTC Convention Center on Hangzhou South Road, Taipei. In the meeting, FEIB reported to shareholders on the previous year's operating performance and its operating strategy of leading with sustainable governance, focusing on AI digital innovation, and pursuing long-term stable growth. (Photo Credit: FEIB)

The meeting also approved the 2025 profit distribution plan, with a dividend of NT$0.6335 per ordinary share, comprising NT$0.514 cash dividend and NT$0.1195 stock dividend. The cash dividend is slightly higher than the previous year, and the payout ratio is approximately 68.4%.

FEIB's total assets continued to expand to NT$873.7 billion in 2025, with a full-year net income of NT$4.117 billion and earnings per share (EPS) of NT$0.93. This was attributed to successful optimization of its profit structure through improved loan-deposit spreads, resulting in a 15% increase in net interest income. Furthermore, the quality of its credit assets remained better than the market average, with the non-performing loan ratio dropping to a record low of 0.052%. To support business development, the bank completed a cash capital increase of NT$5.342 billion in the fourth quarter, raising its capital adequacy ratio to 15.63% and its common equity Tier 1 capital ratio to 12.87%, thus expanding its net asset value and strengthening its risk-bearing capacity. Profit momentum has continued this year, with net profit after tax reaching NT$1.221 billion in the first quarter of this year (the first three months), representing a year-on-year increase of approximately 10%.

FEIB continued to cultivate its niche brands and expand its core businesses in 2025, and has officially launched its three-year AI transformation plan. Among the developments, the Corporate Banking’s overseas financial services business, a key focus of its development, maintained steady performance, and its AI-driven transformation blueprint for financial services recently won an award of excellence at the Ministry of Economic Affairs' Best AI Awards. Retail Banking’s wealth management business has already built a team of family office experts to prepare for the Wealth Management 2.0 market. Meanwhile, the Bank’s flagship digital brand, Bankee, is gradually expanding its personal financial services offerings. AI Digital Banking has capitalized on the blue ocean opportunity in the cryptocurrency market, it holds a 95% market share of cash flow in virtual asset inflows and outflows, attracting a large following in the cryptocurrency community.  Its total deposits exceeded NT$27.1 billion, with over 290,000 customers. It has won 12 fintech-related innovation awards from domestic and international professional institutions in 2025 and has set a proactive goal of reaching 420,000 cumulative accounts by 2030.

anies in its corporate governance evaluation for the year of 2025. The bank has also been a long-time ESG constituent stock in the Taiwan Sustainability Index, High Salary 100 Index, and Employment 99 Index, and has won the HR Asia Best Employer Award for five consecutive years. Furthermore, it is recognized as one of the top 100 sustainable enterprises by the TCSA Taiwan Corporate Sustainability Awards. Regarding its performance in promoting sustainable finance, by the end of 2025, its total ESG credit balance reached NT$89.6 billion, exceeding the projected management target of NT$73.5 billion, accounting for 33% of the total corporate credit balance. It is also rated as a Grade A bank for SME lending by the Financial Supervisory Commission (FSC). Its elderly care trust, responding to the needs of an aging society, has been ranked first by the FSC for four consecutive years. Its "Treating Customers Fairly" performance has also consistently ranked among the top 25% of domestic banks by the FSC.  

Looking ahead to this year, with ongoing global turmoil fueled by political conflicts and the continued rapid advancement of AI, FEIB, backed by its financial resilience, remains committed to its long-term, stable growth strategy. Its operational goals are to achieve over 6% growth in total assets, deposits, and loans. The bank will strategically optimize its profit structure, focusing on increasing loan-deposit interest rate spreads, including expanding retail deposits through virtual asset payment services developed via the Bankee digital platform. Regarding fee income, growth momentum will be injected through cross-border syndicated loan projects and the cultivation of high-net worth clients in its wealth management family office business. In March of this year, the former successfully spearheaded a US$400 million syndicated loan for India's Piramal Finance in partnership with banks from multiple countries, demonstrating its strength and achievements in expanding the New Southbound Policy's cross-border financial reach.