Slide 1: 4Q/2025 Analyst Meeting
4Q/2025 Analyst Meeting 2026/3/12 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: 2025 Mega FHC Operations Summary
2025 Mega FHC Operations Summary FHC Profit Overview NT$ 35.038 billion NT$ 2.36 2025 Net Profit 2025 EPS A Record High Steady Profitability Bank Subsidiary Show Bright Performance Loan Business Growth FX Business Momentum Strong The average loan balance reached ~NT$2.3 trillion, with an annual grow
Slide 5: Mega FHC Achieves Record 2025 Net Profit of NT$35.038bn
Mega FHC Achieves Record 2025 Net Profit of NT$35.038bn (+1% YoY); Banking +2% YoY with Double-Digit Growth across Key Subsidiaries Mega FHC & Subs. 2025 earning trend Unit: NT$MN 2024 2025* 34,766 35,038 28,370 28,866 2,206 2,525 2,550 2,258 412 761 167 207 92 124 113 (43) Mega Bank Mega Bills Mega
Slide 6: 2025 NII Up 2% YoY
2025 NII Up 2% YoY Mega FHC 2025 net revenue breakdown* 2024 2025* Unit: NT$MN P&C Others 36,79437,593 4% 2% 28,04725,417 Trading Gain NII 14,32413,981 31% 46% 3,010 3,408 1,310 1,609 Fee Net Interest Income Net Fee Income Trading Gain** P&C Other Income 17% Mega Bank 2025 net revenue breakdown* Uni
Slide 7: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 7
Slide 8: 2025 Profitability Remained Strong with ROE of 9.28% and ROA of 0.72%
2025 Profitability Remained Strong with ROE of 9.28% and ROA of 0.72% Major earning matrixes 7.86% 10.46% 9.93% 9.28% 5.84% ROE ROA 0.64% 0.45% 0.79% 0.77% 0.72% 2.37 2.35 2.36 To prevent over-inflated capital 1.89 base as well as to maintain 0.30 sufficient capital for future 0.25 growth, our divid
Slide 9: Mega Bank Maintains a Strong Capital Position Well Above D-SIBs Requirements
Mega Bank Maintains a Strong Capital Position Well Above D-SIBs Regulatory Requirements Mega FHC Mega Bank CAR/RBC Moody’s: A2 CAR Requirement : 100% Moody’s: A1 / S&P: A+ D-SIBs requires: CAR: 14.5% Tier1: 12.5% Tier 1 ratio CET1: 11.0% 131.93% 16.42% 15.32% 14.81% BIS 14.31% Common equity ratio 12
Slide 10: Table of Contents
Ta b l e o f C o n t e n t s Overview and Strategic 1 Focus 2 Financial Performance 3 Operating Performance 4 Appendix 10
Slide 11: 4Q/25 Overall Loan Growth Momentum Remains Strong
4Q/25 Overall Loan Growth Momentum Remains Strong: Large Corp +4% QoQ, SME +2.9% QoQ Mega Bank quarterly loan balance* Mega Bank 4Q/25 loan Growth % breakdown by customers Unit: NT$BN Total YoY: 5.1% 2,309 2,330 (Average QoQ: 0.9% Total: 2,216 2,301 2,293 Balance) 2,450 Total YoY: 6.0% Other consume
Slide 12: 4Q/25 Manufacturing Accounts for 28% of Loans
4Q/25 Manufacturing Accounts for 28% of Loans, with QoQ Growth of 2.4% and YoY Growth of 13.6%; Strong QoQ Growth Seen in Transportation & Telecom, Financial, Service, and Gov. Agencies Mega Bank loan balance trend by industry* 4Q/25 loan breakdown by 4Q/25 3Q/25 4Q/24 industry* Unit: NT$BN Growth 6
Slide 13: 4Q/25 Balanced Loan Growth Across Domestic and Overseas Channels
4Q/25 Balanced Loan Growth Across Domestic and Overseas Channels: Domestic +2.5%, Overseas +4.9%, OBU +3.5% QoQ Mega Bank 4Q/25 loan breakdown by regions * Unit: NT$BN Growth YoY: -5.0% 322 Overseas QoQ: 4.9% 343 307 339 299 179 OBU Growth Overseas 173 YoY: -2.7% 188 161 13% 184 QoQ: 3.5% OBU 7% Gro
Slide 14: 4Q/25 NTD and FCY Loans Grow Steadily
4Q/25 NTD and FCY Loans Grow Steadily, Up 3.5% and 1.7% QoQ; Strong USD Loan Momentum with 18.8% YoY and 4.3% QoQ Growth Mega Bank 4Q/25 loan breakdown by currency: NTD vs. foreign currency loan * Unit: NT$BN Growth 579 583 541 543 562 FCY loan** FCY Loan YoY: -2.9% QoQ: 3.5% 24% NTD 1,798 1,828 NTD
Slide 15: 4Q/25 Total Deposits Hit a Five-Quarter High
4Q/25 Total Deposits Hit a Five-Quarter High (QoQ +9%, YoY +12.8%), Driven by NT$ Time Deposits (+22.7% QoQ) Mega Bank deposit balance * Mega Bank 4Q/25 deposit breakdown Unit: NT$BN Growth FCY demand YoY: 12.8% 3,422 13% FCY time QoQ: 9.0% 24% 3,081 3,139 Total: 3,034 2,939 FX time deposit 835 800
Slide 16: 4Q/25 LDR Stands at 72.72% Overall and 38.61% for USD
4Q/25 LDR Stands at 72.72% Overall and 38.61% for USD Mega Bank’s total LDR* Mega Bank’s USD LDR** Mega LDR Industry LDR*** 74.79% 76.92% 75.40% 74.53% 72.46% 72.89% 40.35% 72.27% 39.80% 71.32% 39.65% 72.12% 39.34% 39.24% 71.50% 71.58% 71.31% 39.09% 71.02% 71.04% 38.90% 70.76% 38.61% 70.56% 1Q/24 2Q
Slide 17: Spread Continues to Consolidate
Spread Continues to Consolidate Mega Bank total loan interest spread Mega Bank overseas loan interest spread* Spread Yield Cost Spread Yield Cost 6.08% 3.31% 5.72% 5.43% 3.23% 5.25% 5.12% 4.94% 3.13% 3.04% 3.01% 2.93% 2.84% 2.72% 2.61% 2.59% 2.49% 2.45% 3.24% 3.01% 2.81% 2.66% 2.63% 2.49% 1.93% 1.86
Slide 18: 4Q/25 Net Interest Margin Remains Stable
4Q/25 Net Interest Margin Remains Stable; FCY and USD NIM Trending Higher by 5bp and 6bp QoQ Mega Bank quarter NIM and average interest earning assets* Unit: NT$BN / % Overall NTD FCY NIM AIEA USD RMB Other FCY NIM AIEA * NIM = annualized net interest income / average interest earning assets (AIEA)
Slide 19: 4Q/25 Wealth Management Gross Fee Income Reaches NT$1.324 Billion
4Q/25 Wealth Management Gross Fee Income Reaches NT$1.324 Billion Mega Bank wealth management gross fee breakdown* 1,600 1,476 Unit: NT$MN 19 1,324 1,400 1,326 217 16 7 Total: 1,179 1,200 5 221 1,103 240 Other income**** 1,036 21 206 202 11 1,000 236 210 215 Custodian fee*** 145 212 200 800 150 173
Slide 20: 2025 Strong Wealth Management Momentum, Net Fee Income up 17% YoY
2025 Strong Wealth Management Momentum, with its Net Fee Income up 17% YoY to NT$4.257bn Mega Bank net fee breakdown 2024 2025 Unit: NT$MN 4,257 3,650 3,453 2,381 1,087 1,007 1,166 1,239 Wealth Mgmt* FX Credit fee** Others Mega Bank net fee trend*** Mega Bank 2025 net fee breakdown 9,356 Unit: NT$MN
Slide 21: Asset Quality Improves Significantly; NPL Ratio Down to 0.19%
Asset Quality Improves Significantly; NPL Ratio Down 7 bps QoQ to 0.19%, Coverage Ratio Up 233.22 ppts QoQ to 866.03% Mega Bank NPL balance & NPL ratio Mega Bank loan loss reserved and coverage ratio 701.91% 866.03% 0.28% 0.27% 586.78% 609.82% 648.76% 632.81% 0.26% 0.26% 0.24% 0.19% Unit: NT$MN Unit
Slide 22: 4Q/25 SME and Mortgage NPL Ratios Decline
4Q/25 SME and Mortgage NPL Ratios Decline to 0.20% and 0.08% Respectively, with Stable New NPL Formation Mega Bank NPL ratio by customer * Mega Bank new NPL as % of total loan * Large corp. NPL% New NPL 0.33% 0.29% 0.41% 0.32% 0.30% 0.30% 0.12% 0.08% 0.03% 0.04% 0.04% 0.03% 3Q/24 4Q/24 1Q/25 2Q/25 3
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: 2025 Mega FHC consolidated P&L statement
2025 Mega FHC consolidated P&L statement 2025* 2024 YoY Interest income 123,754,880,661 130,126,801,395 -5% Less: interest expense 86,161,795,930 93,332,874,317 -8% Net interest revenue 37,593,084,731 36,793,927,078 2% Net revenue other than interest 44,414,589,023 46,691,204,334 -5% Net fee and com
Slide 25: 2025 Mega FHC consolidated balance sheet
2025 Mega FHC consolidated balance sheet 2025* 2024 YoY Cash and cash equivalents, net 168,055,070,344 103,947,126,076 62% Due from central bank and interbank assets 709,445,697,720 598,175,342,692 19% Financial assets at fair value thru P&L 269,201,494,631 248,660,021,665 8% Financial assets at fai
Slide 26: 2025 Mega Bank consolidated P&L statement
2025 Mega Bank consolidated P&L statement 2025* 2024 YoY Interest income 118,085,970,024 124,802,774,711 -5% Less: interest expense 79,289,605,038 86,518,972,802 -8% Net interest revenue 38,796,364,986 38,283,801,909 1% Net revenue other than interest 29,019,487,933 31,447,999,794 -8% Net fee and co
Slide 27: 2025 Mega Bank consolidated balance sheet
2025 Mega Bank consolidated balance sheet 2025* 2024 YoY Cash and cash equivalents, net 161,577,379,051 96,519,888,312 67% Due from central bank and interbank assets 709,445,697,720 598,175,342,692 19% Financial assets at fair value thru P&L 67,894,123,532 58,831,606,085 15% Financial assets at fair
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~