Mega Financial Holding Co., Ltd. · TWSE:2886
Mega Financial — Q3 2025 Earnings Presentation
29 slides from Mega Financial's earnings presentation, Nov 25, 2025
Slide 1: 3Q/2025 Analyst Meeting
3Q/2025 Analyst Meeting 2025/11/25 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: 1-3Q/25 Mega FHC Achieves Remarkable Results
1-3Q/25 Mega FHC Achieves Remarkable Results FHC Profit Overview 28.285 billion 1.91 NT$ 30.36 billion 1-3Q/25 Net Profit 1-3Q/25 EPS Jan.-Oct./25 Net Profit As of the end of September Solid earnings performance Ranked 5th in the industry Bank Subsidiary Show Bright Performance Loan Business Growth
Slide 5: Mega FHC 1-3Q/25 Reports NT$28.3 Billion Net Profit
Mega FHC 1-3Q/25 Reports NT$28.3 Billion Net Profit, Bills , CKI, AMC, and Site Subsidiaries Drive the Growth Mega FHC & Subs. 1-3Q/25 earning trend Mega FHC Jan.-Oct./25 earning trend Unit: NT$MN 1-3Q/2024 1-3Q/2025* 31,112 29,321 25,092 28,285 30,360 23,400 1,717 1,906 2,301 1,841 654 (94) 129 155
Slide 6: Mega FHC & Bank 1-3Q/25 NII Up 2% YoY
Mega FHC & Bank 1-3Q/25 NII Up 2% YoY Mega FHC 1-3Q/25 net revenue breakdown* 1-3Q/2024 1-3Q/2025* Unit: NT$MN P&C Others 4% 2% 28,280 27,654 23,450 Trading 19,933 Gain NII 11,105 10,180 32% 46% 2,598 1,029 1,202 Fee 2,246 16% Net Interest Income Net Fee Income Trading Gain** P&C Other Income Mega B
Slide 7: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 7
Slide 8: 1-3Q/25 ROE Reaches 10.10%; ROA Hits Record 0.80%
1-3Q/25 ROE Reaches 10.10%; ROA Hits Record 0.80% Major earning matrixes 10.46% 9.93% 10.10% 7.86% ROE 5.84% ROA 0.64% 0.45% 0.79% 0.77% 0.80% 2.37 2.35 To prevent over-inflated capital base as well as to maintain 1.89 1.91 sufficient capital for future 0.30 growth, our dividend policy is: EPS** 0.2
Slide 9: Highly Adequate Capital with Strong Stability
Highly Adequate Capital with Strong Stability Mega FHC Mega Bank CAR/RBC Moody’s: A2 CAR Requirement : 100% Moody’s: A1 / S&P: A+ D-SIBs requires: CAR: 14.5% Tier1: 12.5% Tier 1 ratio CET1: 11.0% 135.22% 17.00% BIS 15.32% 14.81% Common equity ratio 14.31% 122.86% 122.68% 120.05% 14.73% 116.61% 12.65
Slide 10: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 10
Slide 11: 3Q25 Corporate Loan Growth Accelerates
3Q25 Corporate Loan Growth Accelerates: Large Corp +5.5%, SME +2.5%, Gov't-Related +31% QoQ Mega Bank quarterly loan balance* Mega Bank 3Q/25 loan Growth % breakdown by customers Unit: NT$BN Total YoY: 4.9% 2,301 2,309 (Average QoQ: 0.7% 2,216 2,293 Balance) Total: 2,201 Total YoY: 5.2% 2,346 2,382
Slide 12: 3Q/25 Manufacturing Loans Surge
3Q/25 Manufacturing Loans Surge: +7.1% QoQ, +13.7% YoY Mega Bank loan balance trend by industry* 3Q/25 loan breakdown by 3Q/25 2Q/25 3Q/24 industry* Unit: NT$BN Growth YoY: 13.7% 662 Manufacturing 618 QoQ: 7.1% Others 582 Consumer 9% Manufacturing 113 YoY: 11.9% Transport & Telecom 118 QoQ: -4.2% 27
Slide 13: 3Q/25 Steady Loan Growth Across Channels
3Q/25 Steady Loan Growth Across Channels: Domestic +3.4%, Overseas +2.7%, OBU +7.5% QoQ Mega Bank 3Q/25 loan breakdown by regions * Unit: NT$BN Growth Overseas YoY: -10.8% 343 307 QoQ: 2.7% 339 299 344 173 OBU Growth Overseas 188 161 175 184 YoY: -1.1% 13% QoQ: 7.5% OBU 7% Growth 1,815 1,837 1,900 D
Slide 14: 3Q/25 NTD Loan Growth Momentum Continues
3Q/25 NTD Loan Growth Momentum Continues: 8.1% YoY, 3.2% QoQ Mega Bank 3Q/25 loan breakdown by currency: NTD vs. foreign currency loan * Unit: NT$BN 543 Growth 580 579 583 541 FCY loan** FCY Loan YoY: -6.4% 23% QoQ: 0.4% NTD 1,743 1,798 NTD loan Growth 1,664 1,683 1,719 Loan YoY: 8.1% 77% QoQ: 3.2%
Slide 15: 3Q/25 Overall Deposits Rise
3Q/25 Overall Deposits Rise: +6.8% QoQ, +2.6% YoY Mega Bank deposit balance * Mega Bank 3Q/25 deposit breakdown Unit: NT$BN Growth FCY demand YoY: 2.6% 14% FCY time 3,139 QoQ: 6.8% Total: 3,059 3,034 3,081 25% 2,939 FX time deposit 773 800 799 771 695 NTD time NTD demand NTD time deposit 33% 28% 896
Slide 16: 3Q/25 LDR Stands at 75.4% Overall and 38.9% for USD
3Q/25 LDR Stands at 75.4% Overall and 38.9% for USD Mega Bank’s total LDR* Mega Bank’s USD LDR** Mega LDR Industry LDR*** 76.92% 74.79% 75.40% 72.49% 74.53% 40.35% 39.80% 72.89% 72.46% 39.65% 39.27% 39.34% 39.24% 71.32% 39.09% 38.90% 72.12% 71.50% 71.58% 71.31% 70.76% 71.02% 70.04% 70.56% 4Q/23 1Q/2
Slide 17: Spread Continues to Consolidate
Spread Continues to Consolidate Mega Bank total loan interest spread Mega Bank overseas loan interest spread* Spread Yield Cost Spread Yield Cost 6.20% 6.08% 5.72% 5.43% 5.25% 5.12% 3.36% 3.31% 3.23% 2.95% 2.84% 2.72% 2.61% 2.59% 3.13% 3.04% 2.49% 3.01% 3.26% 3.24% 3.01% 2.81% 2.66% 2.63% 1.95% 2Q/2
Slide 18: 3Q/25 Net Interest Margin Remains Solid
3Q/25 Net Interest Margin (NIM) Remains Solid: Overall 0.9%, TWD 1.19% 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 quarter; inter
Slide 19: 3Q/25 Wealth Management Fee Revenue Reached NT$1.476bn
3Q/25 Wealth Management Fee Revenue Reached NT$1.476bn, Highest in 6 Quarters Mega Bank wealth management gross fee breakdown* Unit: NT$MN 1,600 1,476 19 1,400 1,326 217 1,179 16 Total: 1,087 1,103 1,200 5 1,036 221 Other income**** 206 3 202 21 11 1,000 193 236 210 Custodian fee*** 145 212 200 800
Slide 20: 1-3Q/25 Bank WM Net Fees Rose 11% YoY
1-3Q/25 Bank WM Net Fees Rose 11% YoY, Reaching NT$3.18bn Mega Bank net fee breakdown 1-3Q/24 1-3Q/25 Unit: NT$MN 3,180 2857 2851 1,748 802 765 828 882 Wealth Mgmt* FX Credit fee** Others Mega Bank net fee trend*** Mega Bank 1-3Q/25 net fee breakdown Unit: NT$MN Others 13% 7,338 6,575 2,335 Credit f
Slide 21: Asset Quality Stays Robust; NPL Ratio Flat at 0.26%
Asset Quality Stays Robust; NPL Ratio Flat at 0.26% Mega Bank NPL balance & NPL ratio Mega Bank loan loss reserved and coverage ratio 701.91% 609.82% 648.76% 632.81% 0.31% 522.49% 586.78% 0.28% 0.27% 0.26% 0.26% 0.24% Unit: NT$MN Unit: NT$MN 39,386 39,132 6,867 38,683 6,348 6,343 6,224 38,248 5,896
Slide 22: New NPL Formation Flat, Credit Costs Remained Low
New NPL Formation Flat, Credit Costs Remained Low Mega Bank NPL ratio by customer * Mega Bank new NPL as % of total loan * Large corp. NPL% New NPL 0.30% 0.33% 0.29% 0.41% 0.32% 0.30% 0.12% 0.07% 0.08% 0.03% 0.04% 0.04% 2Q/24 3Q/24 4Q/24 1Q/25 2Q/25 3Q/25 2Q/24 3Q/24 4Q/24 1Q/25 2Q/25 3Q/25 SME NPL
Slide 23: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 23
Slide 24: 1-3Q/25 Mega FHC consolidated P&L statement
1-3Q/25 Mega FHC consolidated P&L statement Unit: NT$MN; EPS: NT$ 1-3Q/2025* 1-3Q/2024 YoY Interest income 93,056,480,130 97,095,679,484 -4% Less: interest expense 64,776,047,241 69,441,595,201 -7% Net interest revenue 28,280,432,889 27,654,084,283 2% Net revenue other than interest 33,912,762,612 3
Slide 25: 1-3Q/25 Mega FHC consolidated balance sheet
1-3Q/25 Mega FHC consolidated balance sheet Unit: NT$MN 1-3Q/2025* 1-3Q/2024 YoY Cash and cash equivalents, net 121,732,867,880 71,508,891,458 70% Due from central bank and interbank assets 684,618,884,879 621,367,031,002 10% Financial assets at fair value thru P&L 261,816,979,911 239,523,134,460 9%
Slide 26: 1-3Q/25 Mega Bank consolidated P&L statement
1-3Q/25 Mega Bank consolidated P&L statement Unit: NT$MN; EPS: NT$ 1-3Q/2025* 1-3Q/2024 YoY Interest income 88,926,957,947 93,192,714,295 -5% Less: interest expense 59,680,163,887 64,405,555,968 -7% Net interest revenue 29,246,794,060 28,787,158,327 2% Net revenue other than interest 22,321,862,917
Slide 27: 1-3Q/25 Mega Bank consolidated balance sheet
1-3Q/25 Mega Bank consolidated balance sheet Unit: NT$MN 1-3Q/2025* 1-3Q/2024 YoY Cash and cash equivalents, net 115,418,052,406 64,439,779,022 79% Due from central bank and interbank assets 685,518,884,879 623,667,031,002 10% Financial assets at fair value thru P&L 63,164,629,004 55,546,386,477 14%
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~
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