Mega Financial Holding Co., Ltd. · TWSE:2886
Mega Financial — Q1 2026 Earnings Presentation
29 slides from Mega Financial's earnings presentation, May 27, 2026
Slide 1: 1Q/2026 Analyst Meeting
1Q/2026 Analyst Meeting 2026/5/27 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: Mega FHC Operations Summary
1Q/26 Mega FHC Operations Summary FHC Profit Overview NT$ 9.397 billion NT$ 0.63 Net Profit EPS Bank Subsidiary Show Bright Performance Loan Business: Single-Digit Growth Wealth management: Strong Momentum In 1Q/26, average deposits reached approximately NTD 3.3 trillion (+4% YoY), while In 1Q/26, H
Slide 5: Mega FHC Net Profit of NT$9.397 Billion; Group Profitability Remained Stable
1Q/26 Mega FHC Net Profit of NT$9.397 Billion; Group Profitability Remained Stable Mega FHC & Subs. 1Q/26 earning trend Mega FHC Jan.-Apr./26 earning trend Unit: NT$MN 1Q/2025 1Q/2026* 9,397 8,011 7,202 7,080 14,254 10,182 1,346 827 543 258 153 233 42 55 29 30 16 Jan.-Apr./2025 Jan.-Apr./2026 Mega B
Slide 6: Net Interest Income +6% YoY; Net Fee Income and Trading Gain Double-Digit Growth
1Q/26 Mega FHC Net Interest Income +6% YoY; Net Fee Income and Trading Gain All Achieved Double-Digit Growth Mega FHC 1Q/26 net revenue breakdown* Unit: NT$MN 1Q/2025 1Q/2026* Others Trading 3% Gain 10,111 9,534 26% 4,508 4,813 5,462 NII 3,433 49% 1,083 687 Fee 22% Net Interest Income Net Fee Income
Slide 7: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 7
Slide 8: Solid Earnings Over the Past Years; Continued High Cash Dividend Payout
Solid Earnings Over the Past 5 Years; Continued High Cash Dividend Payout Major earning matrixes 10.46% 9.93% 9.28% 9.46% ROE 5.84% ROA 0.79% 0.77% 0.72% 0.74% 0.45% 2.37 2.35 2.36 To prevent over-inflated capital base as well as to maintain sufficient capital for future 0.30 growth, our dividend po
Slide 9: Mega Group Maintains a Strong Capital Position Well Above D-SIBs Requirements
Mega Group Maintains a Strong Capital Position Well Above D-SIBs Regulatory Requirements Mega FHC Mega Bank CAR/RBC Moody’s: A2 CAR Requirement : 100% Moody’s: A1 / S&P: A+ D-SIBs requires: CAR: 14.5% Tier1: 12.5% Tier 1 ratio CET1: 11.0% 135.01% 16.42% 16.65% 15.32% 14.81% 120.05% 131.93% Common eq
Slide 10: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 10
Slide 11: Strong Loan Growth, Led by Corporate Lending
1Q/26 Strong Loan Growth, Led by Corporate Lending Mega Bank quarterly loan balance* Mega Bank 1Q/26 loan Growth % breakdown by customers Unit: NT$BN Total YoY: 6.5% 2,451 (Average QoQ: 5.2% 2,309 2,330 Balance) Total: 2,301 2,293 Total YoY: 7.1% Other consumer 2,513 QoQ: 2.6% 2,450 (Ending Mortgage
Slide 12: Loan Growth Continued Across Sectors, Manufacturing up 8.7% YoY
1Q/26 Loan Growth Continued Across Sectors, with Manufacturing up 8.7% YoY / 1.8% QoQ and Real Estate up 3.7% YoY / 3.2% QoQ Mega Bank loan balance trend by industry* 1Q/26 loan breakdown by 1Q/26 4Q/25 1Q/25 industry* Unit: NT$BN Growth 690 YoY: 8.7% Manufacturing 678 QoQ: 1.8% 635 Others 10% Manuf
Slide 13: Mega Bank 1Q/26 loan breakdown by regions
1Q/26 Loan Growth Across Domestic and Overseas Channels: Domestic +1.8%, Overseas +5.6%, OBU +5.6% QoQ Mega Bank 1Q/26 loan breakdown by regions * Unit: NT$BN Growth YoY: -0.9% 340 Overseas QoQ: 5.6% 322 343 307 Overseas 299 Growth 179 189 OBU 173 YoY: 0.5% 14% 188 161 QoQ: 5.6% OBU 7% Growth 1,900
Slide 14: NTD and FCY Loans Grew Steadily; USD Loans Showed Strong Momentum
1Q/26 NTD and FCY Loans Grew Steadily, up 1.6% and 5.7% QoQ; USD Loans Showed Strong Momentum with +5.1% YoY and +6.4% QoQ Mega Bank 1Q/26 loan breakdown by currency: NTD vs. foreign currency loan * Unit: NT$BN Total: 2,301 2,284 2,342 2,391 2,451 Growth 583 541 543 562 594 FCY loan** YoY: 1.9% FCY
Slide 15: Deposits Grew 4.5% YoY, Mainly Driven by NTD Demand and Time Deposits
1Q/26 Deposits Grew 4.5% YoY, Mainly Driven by NTD Demand and Time Deposits Mega Bank deposit balance * Mega Bank 1Q/26 deposit breakdown Unit: NT$BN FCY demand Growth FCY time YoY: 4.5% 14% 3,422 QoQ: -5.9% 24% 3,220 Total: 3,081 3,139 2,939 FX time deposit 835 770 NTD NTD time 800 799 695 NTD time
Slide 16: Loan-to-Deposit Ratio Continued to Improve
1Q/26 Loan-to-Deposit Ratio Continued to Improve, with Overall and USD LDR up 3.78ppt and 2.75ppt QoQ Mega Bank’s total LDR* Mega Bank’s USD LDR** Mega LDR Industry LDR*** 76.92% 76.05% 75.40% 41.36% 72.46% 72.89% 74.53% 72.27% 39.80% 39.65% 71.32% 39.34% 39.24% 72.56% 39.09% 72.12% 38.90% 71.58% 71
Slide 17: Loan-Deposit Spread Continued to Expand
1Q/26 Loan-Deposit Spread Continued to Expand, with Overall up 6bp QoQ, Overseas +1bp and Domestic +3bp Mega Bank total loan interest spread Mega Bank overseas loan interest spread* Spread Yield Cost Spread Yield Cost 5.72% 5.43% 3.23% 5.25% 5.12% 4.94% 3.13% 4.76% 3.04% 3.01% 2.93% 2.92% 2.72% 2.61
Slide 18: NIM Expanded Significantly, up 8bp QoQ
1Q/26 NIM Expanded Significantly, up 8bp QoQ, with FCY NIM +22bp and USD NIM +29bp 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 earning assets (AIEA) of that qu
Slide 19: Wealth Management Gross Fee Income Reached a Six-Quarter High of NT$1.64bn
1Q/26 Wealth Management Gross Fee Income Reached a Six-Quarter High of NT$1.64bn Mega Bank wealth management gross fee breakdown* Unit: NT$MN 1,800 1,641 7 1,600 1,476 261 1,326 19 1,324 1,400 16 217 7 Other income**** 1,103 239 1,200 221 240 Total: 1,036 206 21 Custodian fee*** 11 203 1,000 236 210
Slide 20: Wealth Management Net Fee Income Sustained Double-Digit Growth
1Q/26 Wealth Management Net Fee Income Sustained Double-Digit Growth, Outpacing Overall Fee Income(+27% vs. +15% YoY) Mega Bank net fee breakdown 1Q/25 1Q/26 Unit: NT$MN 1,365 1,075 579 615 257 245 310 329 Wealth Mgmt* FX Credit fee** Others Mega Bank net fee trend*** Mega Bank 1Q/26 net fee breakdo
Slide 21: Asset Quality Remained Solid, with NPL Ratio Staying Low at 0.19%
1Q/26 Asset Quality Remained Solid, with NPL Ratio Staying Low at 0.19% Mega Bank NPL balance & NPL ratio Mega Bank loan loss reserved and coverage ratio 701.91% 866.03% 852.00% 0.27% 0.26% 0.26% 609.82% 648.76% 632.81% 0.24% 0.19% 0.19% Unit: NT$MN Unit: NT$MN 41,080 40,692 6,343 6,224 5,896 5,575
Slide 22: Continued Improvement in Mortgage Asset Quality
1Q/26 Continued Improvement in Mortgage Asset Quality, with NPLs at a Six-Quarter Low Mega Bank NPL ratio by customer * Mega Bank new NPL as % of total loan * Large corp. NPL% New NPL 0.29% 0.41% 0.32% 0.30% 0.30% 0.30% 0.12% 0.03% 0.04% 0.04% 0.03% 0.04% 4Q/24 1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 4Q/24 1Q
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: Mega FHC consolidated P&L statement
1Q/26 Mega FHC consolidated P&L statement 1Q/26* 1Q/25 YoY Interest income 30,614,581,463 31,623,531,411 -3% Less: interest expense 20,503,214,965 22,089,927,587 -7% Net interest revenue 10,111,366,498 9,533,603,824 6% Net revenue other than interest 10,657,075,334 9,328,637,677 14% Net fee and comm
Slide 25: Mega FHC consolidated balance sheet
1Q/26 Mega FHC consolidated balance sheet 1Q/26* 1Q/25 YoY Cash and cash equivalents, net 108,936,087,695 95,355,597,095 14% Due from central bank and interbank assets 665,805,571,624 587,728,365,140 13% Financial assets at fair value thru P&L 277,403,868,812 246,170,816,904 13% Financial assets at
Slide 26: Mega Bank consolidated P&L statement
1Q/26 Mega Bank consolidated P&L statement 1Q/26* 1Q/25 YoY Interest income 28,988,236,368 30,209,224,788 -4% Less: interest expense 18,720,139,706 20,328,627,286 -8% Net interest revenue 10,268,096,662 9,880,597,502 4% Net revenue other than interest 5,899,716,057 6,061,984,556 -3% Net fee and comm
Slide 27: Mega Bank consolidated balance sheet
1Q/26 Mega Bank consolidated balance sheet 1Q/26* 1Q/25 YoY Cash and cash equivalents, net 102,892,347,257 88,360,550,809 16% Due from central bank and interbank assets 665,805,571,624 588,728,365,140 13% Financial assets at fair value thru P&L 69,421,954,030 60,564,341,286 15% Financial assets at f
Slide 28: Mega Bank's Extensive Overseas Franchise
39 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 — Q1 2026 Earnings Presentation on 6ix