遠東國際商業銀行
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信用卡 特色服务: 长期活动:
本行由實業家徐有庠先生創辦,徐有庠先生一生創立諸多事業,包括遠東新世紀、遠東百貨等知名企業,對國家經濟發展貢獻斐然。
民國78年,政府修正銀行法,開放民間設立銀行。徐有庠先生響應政府金融事業現代化、自由化、國際化之政策,於同年1月19日成立本行籌備小組,秉持「誠、勤、樸、慎」的實業精神與服務理念,積極運籌規劃。5月14日發起人會議召開,議定資本額為新台幣100億元,並於10月向財政部提出申請。
民國80年8月1日,本行獲准設立。於募足公開股款後,12月9日召開創立會,會中通過公司章程,並選出9位董事及3位監察人。次年元月11日,經濟部通過本行之設立登記,並發予公司執照;4月9日再獲財政部發給營業執照。隨即於4月11日,總行營業部、儲蓄部及台北逸仙分行正式對外營業。
開業之初,本行取得一般銀行及儲蓄銀行業務等開辦許可;之後陸續獲准開設信託部與國外部,辦理信託、投資、資產管理、理財諮詢與國外匯兌等業務。經營項目不斷擴充,得以為客戶提供嶄新且多元化的金融服務。同期間並擇選北中南具發展潛力地區,設立分行,建置全台服務通路網。
在營運管理方面,為利於取得長期資金以擴大經營規模,進而提升競爭實力,乃規劃本行股票上櫃、上市作業。84年11月本行股票於櫃檯買賣中心掛牌,87年11月正式掛牌上市,並接受國際知名信評公司評等,歷年所獲評等等級皆符合主管機關投資等級之評等規定。此外,為支應持續擴大的外幣資產,亦考量資金募集多元化與國際化之必要,本行於92年7月獲財政部證券暨期貨管理委員會核准發行海外無擔保轉換金融債券,隨即發行零利率之海外無擔保轉換金融債券1億1仟萬美元。
本行開辦迄今逾18年,面對業務成長與快速變化的市場環境,組織亦歷經多次變革。從88年的行政管理群、企業金融群及消費金融群等三部分立開始,至95年整合為法人金融、金融市場、個人金融、消金及信用卡等四大事業群,並加入行政支援群、風險管理處、資訊管理處等三大總行管理單位。接著又於法人金融與個人金融事業群設立電子金融專責部門,提供交易無遠弗屆且資訊即時、密集的網路銀行服務,逐步建立專業分工的金融服務團隊。事業群在各自運作之下,商品與服務得以持續創新,專業水平得以精實發展,業務動能亦不斷提昇,多項業務名列國內領導品牌之一。
於追求業務成長與專業服務的同時,為兼顧作業的嚴謹與效率,本行於97年12月成立作業及資訊服務中心,為前台金融服務提供高效的作業支援體系,不僅成本因作業集中化而降低,更設立各項產能與效益指標,持續精進相關流程。
本行於98年6月購買友邦國際(AIG)信用卡(股)公司之信用卡業務及應收帳款資產,同年10月27日經由公開標售程序,取得慶豐銀行19家國內營業據點,更於99年1月推出FE Direct網銀服務,達兼顧分行實體與虛擬通路效益與精緻服務品質的最適規模。
與時俱進發展至今,共設有55處國內分行(含營業部)及香港分行,踏實發揮社會資本供需的金融功能,讓資本更有效率流通、交易,為經濟與市場注入活力。
Reflecting on 2009, Far Eastern International Bank (FEIB) was relatively less affected by the persistent effects of the global financial crisis which started in 2008, thanks to the Bank’s effective operating strategies and the concerted efforts of our staff to meet our clients’ banking needs. In early 2009, as the global financial crisis led to higher credit risk in Taiwan, strict asset quality control and continuous Risk Asset Reviews helped FEIB to limit non-performing loans to NT$2 billion and control operating risk. Active implementation of cost-effective measures plus the promotion of a Cost/Organizational Efficiency Improvement Program also achieved satisfactory results in personnel and operating expenses from the previous year.
Committed to business growth and innovation, FEIB launched a string of common people oriented financial products such as motor scooter loans and credit life insurance in line with market needs to boost gross profits. The Bank also focused on implementing a Grand Branch system and strengthening our cross selling platform to increase the value of our branch channels. We have improved our sales processes by shortening the required time for a housing mortgage application from 8 to 5 days, credit loan application from 4 to 2 days, and only 30 minutes to complete our credit review and approval process for an installment loan.
Many FEIB niche products continued to make important contributions. The Bank’s financial markets business demonstrated steady profit growth as our convertible asset swaps and FX margin trading volumes both ranked no. 1 in the marketplace. Despite the global economic recession that rendered wealth management activities sluggish, trust business service fee income grew nearly 50%, our consumer banking installment payment products remained the market leader, and car loans expanded a healthy 50% in value terms. To adapt to changing customer needs amid the unsettled financial environment, the Bank focused on launching innovative services and products. Including establishing a new Corporate Finance Department to develop corporate trust services and our international syndicated loan business. Another example was our newly issued Nan Shan Life Insurance Co-branded Card -- equipped with the loyalty points collection function of Taiwan’s ubiquitous HAPPY GO Cards -- offering comprehensive financial benefits to the nearly 4 million Nan Shan Life Insurance clients. We also launched FE Direct online banking to expand our borderless financial website platform and virtual customer service channels.
Key to FEIB’s overall outstanding performance in 2009 included the successful acquisition of AIG’s credit card business and the issuance of the Nan Shan Life Insurance Co-branded Card, along with the concerted efforts of our dedicated staff. Net income climbed to NT$1.241 billion, earnings per share (EPS) reached NT$0.64, return on assets (ROA) stood at 0.34%, and return on shareholders’ equity (ROE) was 6.18%, far exceeding the average standard of Taiwan banks. Regarding asset quality, while our NPL ratio dropped to 1.08%, our coverage ratio of bad debts climbed to 101.12%. All this contributed to the Bank’s rating as a good quality bank and stable financial institution.
The successful acquisition of AIG’s credit card and accounts receivable businesses in Taiwan in September 2009 is one of FEIB’s most remarkable milestones. This acquisition quickly enhanced our credit card business and helped us to reach economies of scale in cards. Number of cards in force grew by 23% to 1.26 million, while revolving balances jumped 56% to NT$13.3 billion, both good enough for top-ten market share rankings in Taiwan. At mid-year, FEIB through a competitive bidding process won the right to acquire the B-package of good assets of Chinfon Commercial Bank, including assets, liabilities and the bank operations of 19 domestic operating units. FEIB then proceeded to integrate smoothly Chinfon personnel and operating and data operations within a short five-months, to officially complete the transaction on April 3, 2010. Post-Chinfon acquisition, FEIB saw its domestic branches expand by more than 50%, to become a medium-sized bank in terms of solid channels, customers, business development strength and market share - enough to lower operating costs, and improve operating efficiency and profitability.
Corporate social responsibility (CSR) is core value of the bank. Long committed to Giving back to Society, we have been dedicated to promoting various public benefit activities. During recent years, aside from cooperating with Eden Welfare Foundation since 1997 and other non-profit institutions to care for underprivileged groups in Taiwan, when celebrating the Bank’s 17th anniversary in 2009, we initiated an event called Deposit Book of Love—Send Love to Hualien and Taitung in eastern Taiwan. FEIB staff pulled their efforts, compassion and strength to raise funds to purchase and donate one ultrasonic medical checkup vehicle to Mennonite Christian Hospital in Hualien, to address the insufficient medical resources available in remote areas of Taiwan.
Looking ahead and forecasting gradual global economic recovery, FEIB shall promote active business expansion to take full advantage of our integrated traditional and virtual platform channels. We are focused on making breakthroughs in the cut-throat price competition that characterizes Taiwan’s financial industry. Our mission is to both achieve Group synergy and offer customers innovative, customized services to achieve growth in bank scale (quantity) and profit gain (quality). With the impending opening of the cross-Straits banking industry, we foresee a brand new era for Taiwan’s financial industry. Our vision is for FEIB to become a professional and highly regarded financial services company in the Greater China region. To comply with the expected signing of a Memorandum of Understanding and cross-Strait Economic Cooperation Framework Agreement (ECFA) between Beijing and Taipei that will lead to the establishment of financial service platforms in Taiwan, Hong Kong and China, FEIB is motivated to form alliances with major commercial banks in urban cities of mainland China. We look to bring into full play the Far Eastern Group’s ample client base to develop cross-Strait business synergy, serve as a financial bridge connecting Chinese financial markets and players, provide modern wealth management services to all individual and corporate banking customers, and create maximum value for the Bank’s clients, shareholders, and staff. FEIB’s goal is to become an outstanding professional bank in the Greater China region.