Mega Financial Holding Co., Ltd. · TWSE:2886
Mega Financial — 2Q 2026 Earnings Presentation
29 slides from Mega Financial's earnings presentation, Aug 27, 2026
Slide 1: 2Q/2026 Analyst Meeting
2Q/2026 Analyst Meeting 2026/8/27 1
Slide 2: Disclaimer
DISCLAIMER • This document is provided by Mega Financial Holding Co., Ltd. (the "Company"). Except for the numbers and information included in the Company's financial statements, the information contained in this document has not been unaudited or reviewed by any accountant or independent expert. Th
Slide 3: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 3
Slide 4: 1H/26 Mega FHC Operations Summary
1H/26 Mega FHC Operations Summary FHC Profit Overview NT$ 21.307 billion NT$ 1.44 1H/26 Net Profit 1H/26 EPS Bank Subsidiary Delivered Strong Performance Loans and Deposits Maintained Steady Growth Strong Momentum in Wealth Management Business As of 1H/26, total deposits reached approximately NT$3.3
Slide 5: 1H/26 FHC Net Profit Surpassed NT$20 Billion (+17% YoY)
1H/26 FHC Net Profit Surpassed NT$20 Billion (+17% YoY); Strong Earnings Growth Across Subsidiaries Mega FHC & Subs. 1H/26 earning trend Mega FHC Jan.-July/26 earning trend Unit: NT$MN 1H/2025 1H/2026* 21,307 18,172 15,36915,866 25,659 22,420 3,526 1,800 1,233 691 377 563 91 109 46 104 (53) 63 Jan.-
Slide 6: 1H/26 Mega FHC: Robust revenue growth across the board
1H/26 Mega FHC: Robust revenue growth across the board, including NII, NFI & Trading Gain Mega FHC 1H/26 net revenue breakdown* 1H/2025 1H/2026* Unit: NT$MN Others Trading 3% 21,211 Gain 18,974 29% NII 10,142 11,484 13,357 46% 6,863 1,583 1,442 Fee 22% Net Interest Income Net Fee Income Trading Gain
Slide 7: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 7
Slide 8: 1H/26 Mega FHC delivered strong profitability, ROE rising to 10.72%
1H/26 Mega FHC delivered strong profitability, with ROE rising to 10.72% and ROA reaching 0.82%, hitting a five- year high Major earning matrixes 10.46% 9.93% 9.28% 10.72% ROE 5.84% ROA 0.79% 0.77% 0.72% 0.82% 0.45% 2.37 2.35 2.36 To prevent over-inflated capital base as well as to maintain sufficie
Slide 9: Ample capital buffers, well above D-SIBs regulatory requirements
Ample capital buffers, with the Bank's capital well above D-SIBs regulatory requirements Mega FHC Mega Bank CAR/RBC D-SIBs requires: CAR: 14.5% Moody’s: A2 CAR Requirement : 100% Moody’s: A1 / S&P: A+ Tier1: 12.5% CET1: 11.0% Tier 1 ratio 131.93% 16.42% 15.76% 120.05% 15.32% 14.81% 127.50% Common eq
Slide 10: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 10
Slide 11: Twin-engine corporate loan growth in 2Q/26
Twin-engine corporate loan growth in 2Q/26: large corporates +24.9% YoY, SMEs +12.3% YoY, boosting overall loans ending balance to +15.2% YoY Mega Bank quarterly loan balance* Mega Bank 2Q/26 loan Growth % breakdown by customers Unit: NT$BN Total YoY: 8.8% 2,494 (Average QoQ: 1.8% 2,330 2,451 Balanc
Slide 12: 2Q/26 manufacturing loans up 21% QoQ and retail & wholesale up 11% QoQ
2Q/26 manufacturing loans up 21% QoQ and retail & wholesale up 11% QoQ, driving overall loan growth steadily Mega Bank loan balance trend by industry* 2Q/26 loan breakdown by 2Q/26 1Q/26 2Q/25 industry* Unit: NT$BN Growth 836 YoY: 35.3% Manufacturing 690 QoQ: 21.2% 618 Others 128 YoY: 8.5% Transport
Slide 13: Mega Bank 2Q/26 loan breakdown by regions
2Q/26 domestic and overseas loans grew in tandem, with overseas branches maintaining momentum as the top performer at +7.4% QoQ Mega Bank 2Q/26 loan breakdown by regions * Unit: NT$BN Growth YoY: 22.1% Overseas QoQ: 7.4% 365 322 340 307 192 OBU Growth Overseas 299 YoY: 19.3% 179 189 14% 173 QoQ: 1.6
Slide 14: 2Q/26 broad-based loan growth momentum by currency
2Q/26 broad-based loan growth momentum: NTD loan +9.5% YoY, FCY loan +15.9% YoY, and USD loan +16.6% YoY Mega Bank 2Q/26 loan breakdown by currency: NTD vs. foreign currency loan * Unit: NT$BN Total: 2,284 2,342 2,391 2,451 2,536 Growth 594 627 FCY loan** YoY: 15.9% FCY Loan 541 543 562 25% QoQ: 5.6
Slide 15: 2Q/26 deposits grew 4.5% YoY
2Q/26 deposits grew 4.5% YoY, driven mainly by growth in NTD demand and time deposits Mega Bank deposit balance * Mega Bank 2Q/26 deposit breakdown Unit: NT$BN Growth YoY: 15.2% FCY demand FCY time QoQ: 5.2% 14% 25% 3,422 3,386 3,139 3,220 FX time Total: 2,939 deposit 835 853 NTD NTD time 770 799 NT
Slide 16: 2Q/26 LDR kept climbing
2Q/26 LDR kept climbing: Overall LDR +3.78 ppt QoQ and USD LDR +2.75 ppt QoQ Mega Bank’s total LDR* Mega Bank’s USD LDR** Mega LDR Industry LDR*** 76.92% 76.48% 42.01% 76.05% 75.40% 41.36% 72.89% 74.53% 39.65% 39.34% 71.32% 39.24% 72.27% 39.09% 38.90% 38.61% 72.56% 72.12% 72.26% 71.58% 71.31% 71.50%
Slide 17: 2Q/26 total loan interest spread widened 3 bps QoQ to 1.37%
2Q/26 total loan interest spread widened 3 bps QoQ to 1.37%; overseas loan spread rose 4 bps QoQ to 2.5%, while the domestic loan spread held steady Mega Bank total loan interest spread Mega Bank overseas loan interest spread* Spread Yield Cost Spread Yield Cost 5.43% 5.25% 5.12% 4.94% 4.76% 4.79% 3
Slide 18: 2Q/26 strong NIM performance: Overall NIM broke above 1%
2Q/26 strong NIM performance: Overall NIM broke above 1% (+6 bps QoQ), FCY NIM +14 bps QoQ, and USD NIM +10 bps QoQ Mega Bank quarter NIM and average interest earning assets* Unit: NT$BN / % Overall NTD FCY NIM AIEA USD RMB Other FCY NIM AIEA * NIM = annualized net interest income / average interest
Slide 19: 2Q/26 wealth management fee income hit a fresh six-quarter high
2Q/26 wealth management fee income hit a fresh six- quarter high at NT$1,851mn, up 13% QoQ and 68% YoY Mega Bank wealth management gross fee breakdown* Unit: NT$MN 2,000 1,851 10 1,800 1,641 294 7 1,600 1,476 261 Other income**** Total: 1,326 19 1,324 1,400 254 16 217 7 239 1,200 221 1,103 240 213 C
Slide 20: 1H/26 robust wealth management momentum: net fee income +25% YoY
1H/26 robust wealth management momentum: net fee income +25% YoY, with wealth management net fees up ~50% YoY and their share rising to 55% Mega Bank net fee breakdown 1H/25 1H/26 Unit: NT$MN 2,900 1,950 1,183 1,243 516 494 591 654 Wealth Mgmt* FX Credit fee** Others Mega Bank net fee trend*** Mega
Slide 21: 2Q/26 asset quality remained solid, NPL ratio down to 0.16%
2Q/26 asset quality remained solid, with the NPL ratio down to 0.16% and coverage ratio up to 977% Mega Bank NPL balance & NPL ratio Mega Bank loan loss reserved and coverage ratio 977.13% 0.27% 866.03% 852.00% 0.26% 0.26% 609.82% 648.76% 632.81% 0.19% 0.19% 0.16% Unit: NT$MN Unit: NT$MN 6,343 41,44
Slide 22: 2Q/26 asset quality continued to improve, new NPL ratio at 0.02%
2Q/26 asset quality continued to improve, with the new NPL ratio falling to a six-quarter low of 0.02% and NPL ratios for large corporates, SMEs, and mortgages setting new lows Mega Bank NPL ratio by customer * Mega Bank new NPL as % of total loan * Large corp. NPL% New NPL 0.41% 0.32% 0.30% 0.30% 0
Slide 23: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 23
Slide 24: 1H/26 Mega FHC consolidated P&L statement
1H/26 Mega FHC consolidated P&L statement 1H/26* 1H/25 YoY Interest income 62,527,660,708 62,396,856,126 0% Less: interest expense 41,316,412,265 43,422,900,236 -5% Net interest revenue 21,211,248,443 18,973,955,890 12% Net revenue other than interest 25,081,306,168 19,789,485,109 27% Net fee and co
Slide 25: 1H/26 Mega FHC consolidated balance sheet
1H/26 Mega FHC consolidated balance sheet 1H/26* 1H/25 YoY Cash and cash equivalents, net 125,405,952,151 101,650,102,865 23% Due from central bank and interbank assets 705,386,091,676 624,350,477,204 13% Financial assets at fair value thru P&L 260,623,563,720 261,696,223,010 0% Financial assets at
Slide 26: 1H/26 Mega Bank consolidated P&L statement
1H/26 Mega Bank consolidated P&L statement 1H/26* 1H/25 YoY Interest income 59,142,106,697 59,661,209,149 -1% Less: interest expense 37,710,827,002 39,995,782,447 -6% Net interest revenue 21,431,279,695 19,665,426,702 9% Net revenue other than interest 13,864,194,534 13,737,920,856 1% Net fee and co
Slide 27: 1H/26 Mega Bank consolidated balance sheet
1H/26 Mega Bank consolidated balance sheet 1H/26* 1H/25 YoY Cash and cash equivalents, net 117,786,643,027 96,277,715,242 22% Due from central bank and interbank assets 705,386,091,676 628,350,477,204 12% Financial assets at fair value thru P&L 72,029,636,782 59,953,168,886 20% Financial assets at f
Slide 28: Mega Bank's Extensive Overseas Franchise
38 offices in 18 countries/areas; 22 offices in“New South Bond Area” M e g a B a n k ’s E x t e n s i v e O v e r s e a s F r a n c h i s e Toronto London Amsterdam Vancouver China: New York Paris •Suzhou branch Chicago •Wujiang sub-branch Tokyo Silicon Valley •Kunshan sub-branch •Ningbo branch Los
Slide 29: Thank you~ Q&A
ty WK gigi = ay Mega Holdings Thank you~
Mega Financial Holding — 2Q 2026 Earnings Presentation on 6ix