Slides
Page 1
2026.9.2 2026Q2 Financial Review
Page 2
1 This presentation is provided by Taiwan Business Bank Co., Ltd. (‘TBB’).The information contained within is not reviewed or reviewed by any accountant or any independent third party. Users should read this material in conjunction with all other public financial and operational information filed to the competent authorities by TBB. While we endeavor to provide accurate, complete and consistent information herein, TBB makes no guarantee or warranties as to the accuracy or correctness of all the material contained. After this presentation is released to the public, we undertake no obligation to update any relevant data to reflect any change hereafter. Users should also notice that this presentation may contain forward -looking statements. Statements that are not historical facts, including statements relating to the implementation of strategic initiatives, future business development and economic performance are forward-looking statements. By their nature, forward- looking statements involve uncertainties, risks, assumptions and other factors that could cause actual developments and results to differ materially from our statement in this presentation. These factors include, but not limited to, regulatory developments, competitive conditions, technological developments, general economic conditions and management changes. The information, statements or opinions in this presentation do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. TBB and its affiliates representatives, no matter for their negligence or any other reasons, should not be liable for any loss or damages arising from the use of or interpretation by others of information contained within this presentation or any matter related to this document. Disclaimer
Page 3
129.26 159.01 169.88 177.76 185.10 2 Net Revenue 1H22 1H23 1H24 1H25 1H26 Net Revenue Unit: NT$ 100mn
Page 4
3 單位：新臺幣百萬元 年度 項目 1H25 (1) 1H26 (2) 增減數 (3)=(2)-(1) 成長率% (3)/(1) 各項提存前稅前淨利 9,474 9,793 319 3.37% 各項提存 1,543 854 (689) (44.65%) 稅前淨利 7,931 8,939 1,008 12.71% 稅後淨利 6,423 7,410 987 15.37% 稅前每一員工生產力 1.35 1.53 0.18 13.33% 稅後EPS 0.66 0.71 0.05 5,072 7,435 7,878 7,931 8,939 4,161 6,202 6,244 6,423 7,410 1H22 1H23 1H24 1H25 1H26 稅前淨利 稅後淨利 Comprehensive Income Net Income before tax Net Income Unit: NT$ mn Year Item 1H25 (1) 1H26 (2) Difference (3)=(2)-(1) Growth (4)=(3)/(1) Net Income before tax and provision 9,474 9,793 319 3.37% Provision 1,543 854 (689) (44.65%) Net Income before tax 7,931 8,939 1,008 12.71% Net Income 6,423 7,410 987 15.37% Employee Productivity before tax 1.35 1.53 0.18 13.33% EPS after tax 0.66 0.71 0.05 Unit: NT$ mn
Page 5
9,813 3,730 3,943 200 90 11,192 3,593 3,123 525 77 1H25 1H26 4 1H26Net Revenue: 18,510 YoY Change: +734 ＋1,379 14.05% Net Interest Income Net Fee Income Net Treasury Income & Foreign Exchange Gain and Loss Net Securities Broking Income Others Net Interest Income 61% Net Fee Income 19% Net Treasury Income & Foreign Exchange Gain and Loss 17% Net Securities Broking Income 3% Net Revenue Breakdown Unit: NT$ mn
Page 6
5 1H26 Net Service Fee Revenue: 3,593 YoY Change: -137 Wealth Management 66% Loan- related 29% Foreign Exchange 4% Others 1% 2,369 1,167 162 32 2,377 1,060 131 25 1H25 1H26 Wealth Management Loan- related Foreign Exchange Others Net Service Fee Breakdown Unit: NT$ mn
Page 7
6 2,072,486 2,209,814 2,374,756 2,403,361 2,509,013 2,575,949 1,968,379 2,089,692 2,243,322 2,267,298 2,362,100 2,421,408 2022 2023 2024 2Q25 2025 2Q26 資產總額 負債總額 單位：新臺幣百萬元 年度 項目 2022 2023 2024 2Q25 2025 2Q26 資產總額 2,072,486 2,209,814 2,374,756 2,403,361 2,509,013 2,575,949 負債總額 1,968,379 2,089,692 2,243,322 2,267,298 2,362,100 2,421,408 Asset and Liability Asset Liability Unit: NT$ mn Year Item Asset Liability
Page 8
7 單位：新臺幣百萬元 年度 項目 2022 2023 2024 2Q25 2025 2Q26 權益總額 104,107 120,122 131,434 136,063 146,913 154,541 股本 80,297 82,224 91,680 91,680 97,181 97,181 每股淨值(元) 12.97 14.61 14.34 14.84 15.12 15.90 104,107 120,122 131,434 136,063 146,913 154,541 12.97 14.61 14.34 14.84 15.12 15.90 12.00 13.00 14.00 15.00 16.00 17.00 60,000 80,000 100,000 120,000 140,000 160,000 2022 2023 2024 2Q25 2025 2Q26 權益總額 每股淨值(元) Equity Equity BVPS (NTD) Unit: NT$ mn Year Item Equity Share Capital BVPS (NTD)
Page 9
Deposit and Loan 單位：新臺幣百萬元 項目 年度 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 存款平均餘額 (累計) 2,061,781 2,071,635 2,090,826 2,110,117 2,180,858 2,214,830 存款平均餘額 (季平均) 2,061,781 2,081,489 2,129,209 2,167,988 2,180,858 2,248,802 放款平均餘額 (累計) 1,647,504 1,651,091 1,656,096 1,662,096 1,697,360 1,716,678 放款平均餘額 (季平均) 1,647,504 1,654,677 1,666,106 1,680,097 1,697,360 1,735,996 8 1,647,504 1,651,091 1,656,096 1,662,096 1,716,678 1,654,677 1,666,106 1,680,097 1,697,360 1,735,996 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 放款平均餘額 放款平均餘額(季平均) 2,061,781 2,071,635 2,090,826 2,110,117 2,180,858 2,214,830 2,081,489 2,129,209 2,167,988 2,248,802 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 存款平均餘額 存款平均餘額(季平均)Deposit Balance (Cumulative) Deposit Balance (Quarterly Average) Loan Balance (Cumulative) Year Item Deposit Balance (Cumulative) Deposit Balance (Quarterly Average) Loan Balance (Cumulative) Loan Balance (Quarterly Average) Loan Balance(Quarterly Average) Unit: NT$ mn
Page 10
NTD Loan Breakdown 2Q26 NTD Loan: 15,051 2Q25 NTD Loan: 14,775 Government Institution & Public 688 5% Corporate 9,388 63% Individuals 4,699 32% 9 Government Institution & Public 392 3% Corporate 9,566 63% Individuals 5,093 34% Unit: NT$ 100mn
Page 11
2Q26 FCY loan: 2,116 2Q25 FCY loan: 1,736 Domestic 279 16% OBU 328 19% Overseas branches 1,129 65% 10 Domestic 390 18% OBU 395 19% Overseas branches 1,331 63% Unit: NT$ 100mn FCY Loan Breakdown
Page 12
Deposit Breakdown 11 年度 項目 2Q25 (1) 2Q26 (2) 差異數 (3)=(2)-(1) 成長率 (4)=(3)/(1) 存款平均餘額 20,716 22,148 1,432 6.91% 新臺幣存款 16,967 18,262 1,295 7.63% 外幣存款 3,749 3,886 137 3.65% 單位：新臺幣億元 9,569 10,205 11,147 11,943 2Q25 2Q26 活期存款 定期存款 636 796 Unit: NT$ 100mn Time Deposit Demand Deposit Year Item Deposit Balance NTD Deposit FCY Deposit Year Item 2Q25 (1) 2Q26 (2) Difference (3)=(2)-(1) YoY (4)=(3)/(1) Deposit Balance 20,716 22,148 1,432 6.91% NTD Deposit 16,967 18,262 1,295 7.63% FCY Deposit 3,749 3,886 137 3.65% Unit: NT$ 100mn
Page 13
12 單位：新臺幣百萬元 項目 年度 2022 2023 2024 2Q25 2025 2Q26 逾放金額 2,767 2,719 2,766 2,655 2,649 3,079 逾放比率 0.20% 0.18% 0.17% 0.16% 0.16% 0.18% 覆蓋率 653.28% 720.88% 790.84% 845.35% 830.51% 714.31% 0.20% 0.18% 0.17% 0.16% 0.16% 0.18% 653.28% 720.88% 790.84% 845.35% 830.51% 714.31% 200.00% 300.00% 400.00% 500.00% 600.00% 700.00% 800.00% 900.00% 1000.00% 0.10% 0.15% 0.20% 0.25% 0.30% 0.35% 0.40% 2022 2023 2024 2Q25 2025 2Q26 逾放比率 覆蓋率 Asset Quality NPL Ratio Coverage Ratio Unit: NT$ mn Year Item NPL NPL Ratio Coverage Ratio
Page 14
Operating Expense Ratio 13 單位：新臺幣百萬元 項目 年度 2022 2023 2024 1H25 2025 1H26 淨收益(累計數) 28,529 31,914 34,115 17,776 35,088 18,510 營業費用(累計數) 14,103 15,259 16,610 8,302 17,519 8,718 百分比 49.43% 47.81% 48.69% 46.70% 49.93% 47.10% 49.43% 47.81% 48.69% 46.70% 49.93% 47.10% 2022 2023 2024 1H25 2025 1H26 Unit: NT$ mn Year Items Net Revenue Operating Expense Percentage
Page 15
14 Domestic Branches 79% Overseas & OBU 19% TBB International Leasing Co., Ltd TBB Consulting Co., Ltd TBB Venture Capital Co., Ltd 臺灣企銀微型財務公司 TBB (Cambodia) Microfinance Institution Plc. 上海分行Shanghai Branch 台企銀國際融資租賃有限公司 Taiwan Business Bank International Leasing Co., Ltd. Subsidiaries 2% Revenue Mix by Region
Page 16
15 4Q24 2Q25 4Q25 2Q26 最低法定比率 資本適足率 (BIS)(%) 13.33 13.40 14.01 13.52 10.50 第一類資本比率 (Tier1)(%) 10.14 10.56 11.18 11.07 8.50 普通股權益比率 (CET1)(%) 8.87 9.28 9.91 9.85 7.00 13.33 13.40 14.01 13.52 10.14 10.56 11.18 11.07 8.87 9.28 9.91 9.85 4Q24 2Q25 4Q25 2Q26 資本適足率(BIS)(%) 第一類資本比率(Tier1)(%) 普通股權益比率(CET1)(%)CAR(%) Tier1(%) CET1(%) 4Q24 2Q25 4Q25 2Q26 Minimum Requirement CAR(%) 13.33 13.40 14.01 13.52 10.50 Tier1(%) 10.14 10.56 11.18 11.07 8.50 CET1(%) 8.87 9.28 9.91 9.85 7.00 Capital Adequacy Ratio
Page 17
16 Taiwan Institute for Sustainable Energy(TAISE) Honored with two Bronze Awards at the 2026 Taiwan Sustainability Action Awards(TSAA ). Financial Supervisory Commission (FSC) Received the Special Award for Participating in the National Credit Guarantee Mechanism. Asian Banking & Finance (ABF) Won Taiwan Digital Transformation of the Year, with three consecutive years of ABF recognition. The Digital Banker Won three 2026 Digital CX Awards 2026 — Best Use of Technology for Customer Experience, Financial Inclusion Innovation, and Best Digital Channel. Qorus Won Bronze Award for Best Customer Experience at the 2026 Qorus Reinvention Awards APAC Enterprise Asia Won Sustainable Investment Award and recognized at the Asia Responsible Enterprise Awards for seven consecutive years. A wards and Glory
Page 18
17