Slides
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A 1H 2026 Financial Results Investor Meeting HOSTS PRESENTATION DOWNLOAD Paul Yang, CEO Jenny Huang, CFO
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Disclaimer This presentation has been prepared by KGI Financial Holding Corporation and/ or its affiliates (together, “KGI” or the “Group”) and may contain information and statistics derived from unofficial and independent sources, without independent verification. The information contained within is not audited or reviewed by any accountant or any independent expert. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of any information or opinion contained herein. None of the Group, or any of their respective directors, officers, employees, agents or advisers shall be in any way responsible for the contents hereof or shall be liable for any loss whether directly or indirectly arising from use of the information contained in this presentation or otherwise arising in connection therewith. This material must not be copied, reproduced, distributed or passed to others at any time, in whole or in part, without the prior written consent of the Group.
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 1H 2026 Results Contents Financial Overview Page 04 KGI Life Page 07 KGI Bank Page 16 KGI Securities Page 22 KGI SITE Page 28 CDIB Capital Group Page 33 Appendix Page 40 31H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A Financial Overview 1H 2026 Performance Review 4
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 5.5 28.4 18.9 33.6 30.1 39.3 3.8% 14.2% 8.0% 11.8% 9.5% -200.0% -150.0% -100.0% -50.0% 0.0% - 10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0 90.0 100.0 1H 25 1H 26 2023 2024 2025 Net income (NT$ bn) Net income FVOCI equity disposal G/L ROAE 67.8 3,648 3,948 4,120 4,591 2023 2024 2025 1H 26 Total Asset (NT$ bn) 263 307 327 469 2023 2024 2025 1H 26 Equity attributable to owners of the parent (NT$ bn) IFRS 4 &IFRS 9 overlay approach 5 IFRS 4 &IFRS 9 overlay approach IFRS 17 & 9 IFRS 17 & 9 0.29 1.64 1.13 1.95 1.74 2.32 0 0.5 1 1.5 2 2.5 3 3.5 4 4.5 5 1H 25 1H 26 2023 2024 2025 EPS (NT $) EPS FVOCI equity disposal G/L /Outstanding Shares 3.96 KGIF Holding’s Financial Performance Overview Net income for 1H 26 reached NT$28.4 bn; including realized capital gains from FVOCI equity disposals, the total amounted to NT$67.8 bn 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 14.2 14.6 13.3 14.4 13.9 2022 2023 2024 2025 1H 26 KGI Bank - Capital Adequacy Ratio (%) 10.5 The subsidiaries continue to maintain a robust capital position Capitalization of the holding company and its subsidiaries 6 Note :9M 24/9M 25 ROAE figures are annualized 128 122 119 118 114 125 2022 2023 2024 2025 1H 26 KGI Financial – Double leverage Ratio (%) 280 340 398 363 >125200 100 2022 2023 2024 2025 1H 26 KGI Life – RBC / TIS Ratio (%) RBC TIS 1H 2026 Performance Review 297 291 321 298 266 200 2022 2023 2024 2025 1H26 KGI Securities – Capital Adequacy Ratio (%)
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A KGI Life 1H 2026 Performance Review 7
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Life – Strategies & Key Achievements 注重資產負債配置優化，以降低財務波動風險 • Driven by three strategic product pillars, foreign currency, investment-linked and protection products, balanced growth across diversified distribution channels supported 63% YoY FYP growth • Effectively navigated market volatility and captured investment opportunities, delivering a total investment return of 6.69% in 1H26 • A&H products integrate health promotion incentives, rewarding healthy behaviors such as regular health checkups and blood donation with renewal premium discounts or enhanced benefits • Certified high-net-worth clients exceeded 100 through premium financing programs promoted in collaboration with nearly 20 partner banks • Earned 15 domestic and international sustainability awards and recognitions, including a top- tier ranking among insurers in the 3rd Sustainability Finance Assessment • Pioneered the industry‘s first Group Insurance Program for Volunteer Relief Workers in Guangfu Township, Hualien, and received the 「Social Impact Initiative of the Year」 at the Insurance Asia Awards Digital FinanceSustainability Innovation 81H 2026 Performance Review • Continued to advance digital services across multiple distribution channels, with policy applications, policy servicing and claims fully digitalized across proprietary channels • Continued to expand digital identity verification, achieving the highest utilization rate in the industry • Developed AI-powered knowledge bases for virtual assistants supporting policy applications and claims, with utilization reaching 90% Accelerate Smart Operations Deepen sustainable development Strengthen financial resilience Expand growth momentum
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Life – Key Metrics 9.2 NT$ bn Net income 9 OCI RCG (After-tax) 39.0 NT$ bn 348.7 NT$ bn Equity 14.19 % Equity Ratio 6.69 % ROI 2025：3.21% 60.0 NT$ bn FYP (+63% YoY) 54 % FX policies % (excl. Investment-linked) 15.8 NT$ bn New business CSM 243.6 NT$ bn CI ROE 96.5%（including realized gains on equities ）；Recurring Investment Income After Hedging: NT$29.2bn 1H 26 Key Metrics 1H 2026 Performance Review CSM balance
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 101H 2026 Performance Review KGI Life – Performance Highlight 9.2 39.0 10.2 22.2 15.8 48.2 2023 2024 2025 1H 26 Net income (NT$ bn) Net profits FVOCI equity disposal gains (After-tax) 6.5% 27.8% 8.0% 13.3% 8.2% 34.3% 2023 2024 2025 1H 26 ROAE (annualized) ROAE FVOCI equity disposal gains (After-tax) Net income for 1H26 reached NT$9.2 bn (EPS of NT$1.76); including realized capital gains of NT$39.0 bn from FVOCI equity disposals, the total amounted to NT$48.2 bn, reflecting solid operating performance. IFRS 4 applied before 2025 IFRS 17 Note 1: ROE for 1H26 including FVOCI equity disposal gains was 34.3%
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 36.8 60.0 52.3 58.0 77.3 38% 45% 17% 23% 26% 51% 54% 35% 11% 32% 40% 28% 41% 46% 13% 1H 25 1H 26 2023 2024 2025 FYP Product Mix (NT$ bn / %) Traditional (regular) Traditional (single) Investment-linked product 36.8 60.0 52.3 58.0 77.3 38% 7% 47% 8% 29% 4% 33% 34% 31% 7% 54% 8% 37% 6% 45% 12% 41% 7% 44% 8% 1H 25 1H 26 2023 2024 2025 FYP Distribution Channel Breakdown (NT$ bn / %) Agency Group insurance Bancassurance Broker #REF! #REF! #REF! #REF! #REF! #REF!#REF!#REF! #REF!#REF!#REF!#REF!#REF!#REF!#REF!#REF!#REF!#REF!#REF!#REF! 0 0 0 0 0 0 初年度保費產品組合別(新臺幣十億元/%) 1H 2026 Performance Review Balanced growth across diversified distribution channels in 1H 26 drove FYP increase 63% YoY KGI Life – Premium Income #REF! #REF! #REF! 59.1 62.2 107.3 116.5 115.7 36.8 60.0 52.3 58.0 77.3 95.9 122.2 159.6 174.5 193.0 1H 25 1H 26 2023 2024 2025 Total Premium Income (NT$ bn) Renewal premium FYP 11 36.8 60.0 52.3 58.0 77.3 9% 72% 17% 2% 19% 29% 51% 1% 7% 78% 11%4% 7% 76% 13% 4% 12% 58% 28% 2% 1H 25 1H 26 2023 2024 2025 FYP Product Mix (NT$ bn / %) Traditional Interest Sensitive Investment-linked product Health and accident FX policies % (excl. Investment- linked)36% 57% 47% 42% 54% +27.5% +63%
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 121H 2026 Performance Review 1. CSM totaled NT$243.6bn in 1H 26, primarily driven by new business contributions 2. Effectively released NT$7.5bn from CSM to P&L, representing an annualized release rate of 6.4% KGI Life – CSM Movement 235.0 15.8 0.2 -7.5 243.6 2026-1-1 New business CSM Interest accretion & Variances CSM release 2026-6-30 NT$ bn
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 2.81 3.88 2.37 6.69 3.31 4.00 3.21 1H 25 1H 26 2023 2024 2025 Investment Return(%) Investment return Investment income incl. in pre-tax income FVOCI equity disposal gains Investment spread reached 444 bps in 1H 26, driven by outstanding performance in the Taiwan equity market KGI Life – Operational Performance 131H 2026 Performance Review Note: 1. Prior to 2025, figures were measured under IFRS 4 on a liability-based basis; starting from 2026, the Company adopted IFRS 17 and shifted to an asset-based basis. 3.11 2.25 3.03 3.09 3.12 1H 25 1H 26 2023 2024 2025 Cost of liabilities1(%)
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Prudent asset allocation and risk management KGI Life – Investment Portfolio FY 2024 FY 2025 1H 2026 NT$ (bn) Amount Weight Amount Weight Amount Weight Return Deposits and short-term investment 35.7 1.5% 48.8 2.1% 42.1 1.8% 1.38% Domestic fixed income 250.0 10.7% 257.9 11.0% 249.7 10.4% 3.04% Domestic equity2 189.0 8.1% 217.5 9.2% 303.2 12.6% 38.02% Loans - mortgage 0.1 0.0% 0.1 0.0% 0.1 0.0% 27.58% Loans - policy 36.0 1.5% 36.9 1.6% 3.1 0.1% 3.17% Real estate 80.8 3.5% 80.6 3.4% 98.7 4.1% 2.40% Foreign deposits1 15.7 0.7% 19.7 0.8% 20.8 0.9% 2.96% Overseas fixed income1 1,639.3 70.1% 1,604.9 68.2% 1,581.1 65.9% 3.99% Overseas equity1 & 2 91.9 3.9% 86.7 3.7% 100.5 4.2% 10.30% Total investments3 2,338.5 100.0% 2,353.1 100.0% 2,399.3 100.0% 6.69% Note: 1. Yields of foreign investment assets were pre-hedging investment yields 1H 2026 Performance Review 14 2. The investment yield on stocks includes realized gains and losses on the disposal of equity instruments classified as FVOCI. 55% 39% 6% 1H26 FVTPL FVOCI AC NT$ 2.2 T Financial asset categorization 3. The investment yield on total invested assets includes hedging costs and realized gains and losses on the disposal of equity instruments classified as FVOCI.
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 3.76 3.49 3.86 3.80 3.66 1H 25 1H 26 2023 2024 2025 Pre-Hedging Recurring Yield (%) 1.53 1.09 2.56 1H 25 1H 26 2023 2024 2025 Hedging Cost (%) 2.44 48.99 9.77 30.71 43.37 1H 25 1H 26 2023 2024 2025 FX Reserve Balance (NT$ bn) FX risk exposure 73% FX policy 27% 1H 26 Hedging Structure (%) A solid FX reserve position helped mitigate FX volatility, resulting in lower hedging costs KGI Life – Investment Performance 1H 2026 Performance Review Currency swap & NDF 37% Overseas equity 4% USD & other currency 59% 15 3.06 1.17
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A KGI Bank 1H 2026 Performance Review 16
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 17 One KGI /Ecosystem Expansion Overseas Business Growth & Positioning Elevate Wealth Management Franchise Drive Innovation /Digital Transformation KGI Bank – Strategies & Key Achievements • New retail deposit customers +67% YoY, with over 40% referred by KGIS • Continuous expansion of network to 13 securities settlement service centers and 53 branches • Karry Digital Account × Kuai Kuai ATM Card named Best Product at the 2026 National Brand Yushan Award • HK client and deposit acquisition ahead of schedule via ONE KGI platform • Established Web3 ecosystem in HK, with virtual asset-related clients accounting for 15% of total clients • Submitted HK WM License application on June 12 • Focus on HNW customers, introduce private banking business, and enhance sales, product, and advisory capabilities • WM fee income YoY +30% • Kaohsiung AAMC market share reached 7% and 4% in terms of number of clients and AUM respectively, top-tier among peers KGI Bank Wealth Management Upgrade Accelerating Customer Acquisition Digital Innovation Overseas Expansion • Maintain market-leading position, expanding regulated virtual asset services to corporates and 9 cryptocurrencies. • Launched Digital Banking 2.0, offering a unified digital wealth platform with a consolidated view of Group-wide assets. • Drive scalable AI productivity enhancement through talent development and over 1,000 AI training participants 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Bank – Key Metrics 1H 26 Key Metrics 4.3 NT$ bn Net Income 11.1% ROE 5.2 NT$ bn Pre provision operating profit +24% Fee Income NIM 45% CASA Ratio 530+ HK New Clients WM Fee income +30% 1.43% YoY+10 bps YoY+160 bps Retail New Depositors YoY+27% YoY+193 bps YoY+19% YoY+67% 79k YTD+163% 181H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 1. Net income in 1H 26 amounted to NT$4.3 bn, up 27% YoY. Wealth management fee income grew over 20% for the third consecutive year, with ROE rising to 11.1% 2. Driven by settlement account referrals and acquisition from digital channels, new customers grew 67% YoY; CASA ratio reached 45%, with retail CASA ratio at 61% 3. With over 450 clients and AUM exceeding NT$31 bn, our market share in Kaohsiung AAMC outperformed our overall deposit market share. HK Branch has submitted applications for both WM and private banking licenses. 19 KGI Bank – Performance Highlight 3.4 4.3 5.4 5.5 6.8 1H 25 1H 26 2023 2024 2025 Net Income (NT$bn) 9.2% 11.1% 8.3% 7.7% 8.9% 1H 25 1H 26 2023 2024 2025 ROAE 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 0.30 0.20 0.18 425 624 718 2023 2024 2025 0.17 0.16 727 801 1H 25 1H 26 NPL ratio & NPL coverage (%) NPL ratio NPL Coverage 1.93 2.01 1.33 1.43 1H 25 1H 26 Spread & Net Interest Margin (%) Spread NIM 825 1,364 1,807 419 531 543 945 1,179 1,223 62 81 2,250 3,154 3,544 2023 2024 2025 7,700 7,318 10,357 1,831 2,623 3,001 3,202 4,952 3,125 832 1,158 1,331 13,565 16,051 17,814 2023 2024 2025 0.11 2.10 2.02 1.95 1.32 1.30 1.37 2023 2024 2025 1H 26 net revenue was NT$10.2bn, up 16% YoY; wealth management income grew 30% YoY KGI Bank – Profitability Note: 1. NIM adjusted incl. FX swap pro forma interest. 2. WM- Bond, SI/DCI, FX related income recognized as financial investment income on accounting book. 3. The increase in NPL was driven by specific cases 20 1 2 0.13 0.21 33 3 3 3 0.09 0.11 4,703 6,552 1,668 2,068 1,635 1,015 761 576 8,768 10,212 1H 25 1H 26 Total Net Revenues (NT$ mn) Net interest income Net fee income Net financial assets related income Other income 964 1,267 249 314 705 817 1,918 2,382 1H 25 1H 26 Fee Income (WM incl. Bond/ SI) (NT$ mn) WM -MF, Insurance, trust, ETF WM -Bond, SI/DCI, FX Loan and Others Cards 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 13% 14% 26% 26% 60% 60% 509 543 1H 25 1H 26 Total Loans Mix (NT$ bn/ %) 13% 13% 13% 26% 25% 26% 61% 62% 61% 402 479 532 2023 2024 2025 Unsecured Retail Loan Mortgage Corporate Loan 59% 59% 59% 41% 41% 41% 558 632 686 2023 2024 2025 Steady loan growth; settlement deposits continue to grow under One KGI synergy, CASA ratio increased to 45% as of 1H 26 KGI Bank – Loan and Deposit Trends 21 oreign currency demand deposits grew by +15% excluding exchange rate effects, while foreign currency time deposits declined by -19%. 4 30 18 8 666 726 +1% +14% +18% +11% Total Deposits 1H 25 Time -NTD Demand -NTD Time -FCY Demand -FCY Total Deposits 1H 26 Total Deposits Movement YoY (NT$ bn) 56% 55% 44% 45% 666 726 1H 25 1H 26 Total deposit Mix (NT$ bn / %) Time Deposits Demand Deposits 6 8 20 509 543 +9% +6% +7% Total Loans 1H 25 Unsecured Retail Loan Mortgage Corporate Loan Total Loans 1H 26 Total Loans Movement YoY (NT$ bn) 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A KGI Securities 1H 2026 Performance Review 22
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Life KGI Securities – Strategies & Key Achievements Digital Platform Enhancement & Segmented Wealth Management Services Expanding Client Base Through Digital and Data-Driven Strategies Business Expansion of Overseas Platform One KGI Collaboration • Enhance digital trading platform and client experience through the comprehensive upgrade of the e-Strategy mobile app, delivering a new generation of digital investing. • Establish partnership with Fundstrat, a well- recognized Wall Street research institute, exclusively offer KGI clients with access to view premium institutional-grade research reports. • Deepen segmented service for Wealth Management clients; became the first Taiwan broker to win the awards "Best Private Bank in Taiwan" from Finance Asia. • Cultivate the younger generation and deliver lifestyle-oriented financial services through campus engagement initiatives and ecosystem partnerships. • Integrated Wall Street insights into “U.S. Market Unlocked,” making professional investment perspectives accessible in investors’ daily lives. • Leverage data analytics models to enable precisely marketing actions, driving clients’ trading momentum. • Expand wealth management sales team in HK/SG and strengthen advisory services continuously, to enhance relationships with core customer segments and key markets. • Enhance the distribution capabilities of global markets and construct a comprehensive Prime Service platform to capture professional institutional business opportunities. • Pursue a dual-track approach of digital and physical collaboration between KGIB and KGIS to optimize cross-referrals and integrated financial service experiences. • Advance the joint sales between KGIL and KGIS continuously, to extend securities advisory services to KGIL’s distribution channels. • Integrate the regional capabilities of KGIB HK and KGIS’ pan-Asia platform to provide a one- stop, cross-border financial service model. KGI Securities Digital Development Segmented Services One KGI Collaboration Overseas Expansion 1H 2026 Performance Review 23
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Securities – Key Metrics 17.9 NT$ bn Net income Record High, +383% YoY 47.7 NT$ bn Lead underwriting cases amount No. 1 in Market Share (41%) 2.32 NT$ bn Taiwan WM Revenue Record High for the Period 23.5 NT$ bn KGI Bank Settlement Account Balance Growth 48.1 % Return on Equity No. 1 Among Major Securities Firms 924 Million Underwriting fee income 32 Million(US$) Achieved A-Tier Broker Status Top 14 in the Industry Record High for the Period Record High for the Period Record High, +136% YoY HK WM Revenue HK Brokerage Business 1H 26 Key Metrics 1H 2026 Performance Review 24
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 25 KGI Securities – Performance Highlight 1. Net income in 1H 26 amounted to NT$17.9 bn, up 383% YoY; ROE stood at 48.1%, above industry average 2. In 1H 26, KGI Securities ranked No. 1 in the industry with a 41% market share in equity underwriting lead deal amount, driving record-high underwriting fee income and related investment gains. Brokerage maintained its No. 2 industry position and continued to benefit from strong Taiwan equity market activity, supporting earnings growth 3. Wealth Management AUM increased by 39% YoY to NT$414 billion, while revenue from the Wealth Management business grew by 61% YoY 3.7 17.9 7.3 10.1 11.5 1H25 1H26 2023 2024 2025 Net income (NT$ bn) 12.0% 48.1% 13.0% 16.3% 17.3% 1H25 1H26 2023 2024 2025 ROAE 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 5,733 12,777 341 924 716 815 1,492 10,769 8,282 25,285 1H25 1H26 Net Revenue (NT$mn) 297 414 227 302 344 1H25 1H26 2023 2024 2025 Wealth Management AUM (NT$bn) 1,442 2,323 1,861 2,872 3,460 1H25 1H26 2023 2024 2025 WM Related Revenue (NT$mn) 26 10,602 14,266 13,666 1,028 1,175 1,008 188 519 1,771 3,254 4,193 5,514 15,073 20,153 21,959 2023 2024 2025 1H 2026 Performance Review KGI Securities – Revenue & Customer AUM Net revenue increased 205% YoY , while net investment income surged 622%, demonstrating strong growth momentum 7,044 582 99 9,2778,282 25,285 +205% 1H25 Net brokerage commissions Net underwriting fees Net interest income Net investment income & Other revenue 1H26 1H26 Net Revenue Movement YoY (NT$mn) Note: revenue include KGI Insurance Broker
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 9.7 34.4 12.0 48.1 1H25 1H26 ROAE (%) Industry average ROAE (%) Brokerage Market Share % Online Trading Market Share % SBL Market Share % Equity Underwriting Lead Deal Market Share % Bond Underwriting Market Share % Trust Asset Market Share % Market Position in Taiwan 11.2 #2 12.7 #2 14.8 #3 17.2 #2 12.5 #1 24.6 #2 271H 2026 Performance Review KGI Securities – Profitability & Business Achievements 11.1 14.7 14.8 13.0 16.3 17.3 2023 2024 2025 1H 26 Net income totaled NT$17.9 bn with a return on equity(ROE) of 48.1%, surpassing industry benchmarks Taiwan 94.3% Overseas Subsidiaries 5.7% 17,936 Net Income Composition (NT$ mn)
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 28 KGI SITE 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI SITE – Strategies & Key Achievements Expanding Brand Influence • The number of ETF beneficiaries reached 1.24 million, a multiple growth from 238K at the end of last year, further enhancing KGI brand awareness. • Held the “Narrative Taiwan, Invest Taiwan” forum to establish thought leadership in professional insights on Taiwan stock market and deepen customer trust relationships. • Optimized the content and functions of the customer interaction platform – KGI MINE to strengthen customer engagement. Efficiency via Digital Tools • Introduced AI productivity tools and continuously strengthened AI governance, and AI-related competency training. • Launched the electronic trading platform project with serving HNW clients as the primary goal, enhancing the customer investment experience. Upgrading Products & Services • Taiwan equity assets under management (AUM) exceeded NT$210 billion, a significant growth compared to NT$30 billion at the end of last year. • Launched the first-ever non-distribution Taiwan equity ETF 009816, with an AUM of NT$9 billion at its listing on 2026/2/3, reaching NT$183.7 billion by 8/21, ranking 9th in scale among all 348 ETFs. • The first-ever non-distribution active Taiwan equity ETF 00407A, listed on 6/24 with an AUM of NT$8 billion, reached NT$26.7 billion by 8/21, ranking 8th in AUM among 22 active Taiwan equity ETFs. KGI SITE Brand Solution Digital One KGI Leveraging ONE KGI Synergy • Served as the discretionary account manager for KGI Life's NT dollar quasi-discretionary accounts, with account scale showing multiple growth, from NT$3.8 billion at fundraising to NT$11.26 billion at the end of June. 291H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 1H 2026 Key Metrics 530.8 billion NTD Total AUM 1.24 million ETF Beneficiaries 216.8 billion NTD Taiwan Equity AUM* 183.7 billion NTD 009816 AUM** Ranked 9th among 348 ETFs in Taiwan 26.7 billion NTD 00407A AUM** 20.4 times 009816 AUM** Growth Since Listing Ranked 8th among 22 Taiwan Active equity ETFs Highest AUM Among ETFs Issued This Year KGI SITE － Key Metrics Source: KGI SITE; Data Date: 2026/6/30. *Taiwan Equity AUM is Taiwan Equity ETF + Mutual Funds (精五門, 開創基金). **Source: CMoney; Data Date: 2026/8/21 +69% YTD +422% YTD +619% YTD 301H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 0 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 500 520 2018-1 2018-7 2019-1 2019-7 2020-1 2020-7 2021-1 2021-7 2022-1 2022-7 2023-1 2023-7 2024-1 2024-7 2025-01 2025-07 2026-1 31 Total AUM of onshore mutual funds is NT$518.7B, ranked top 9. KGI SITE – Total Asset Under Management (AUM) （NTD bn） 2018.01 6.9bn Ranked 31st 2019.06 AUM over 100bn 2026.06 518.7 bn Ranked 9th Source: SITCA, onshore fund AUM, 2026/06/30 2021.12 AUM over 200bn 2025.01 AUM over 300bn 2026.04 AUM over 400bn 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds source：SITCA,：2022/12 – 2026/6/30 32 KGI SITE launched Taiwan’s first passive and active equity ETFs with automatic reinvestment and no cash distributions, achieving significant growth in AUM and beneficiaries. The growth rate of KGI SITE’s ETF beneficiary units and AuM in 2026 1H were higher than industry. # of KGI SITE’s ETF beneficiaries Taiwan ETF Market vs. KGI SITE ETF AuM KGI SITE – ETF Business Beneficiary beneficiary units (MN) ETF AuM (NT$ MN) Difference in beneficiary units % YTD Difference in AuM % YTD KGI SITE 25,215 486,201 114% 69% Industry exclude KGI SITE 307,835 10,563,701 14% 46% Source: SITCA, 2025/12/31 – 2026/6/30 AuM (NT$MN) Industry % KGI SITE % TW EQ ETF 6,397,575 58% 185,435 38% Overseas EQ ETF 701,717 6% 2,196 0.5% FI ETF 2,985,609 27% 270,328 56% Balanced ETF 3,484 0% 3,187 1% Active ETF 961,517 9% 25,055 5% 11,049,903 486,201 11,258 53,657 287,321 237,828 1,240,768 D E C- 22 D E C- 23 D E C- 24 D E C- 25 J U N- 26 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A CDIB Capital 1H 2026 Performance Review 33
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Grow AUM and Increase Stable Income, Provide Differentiated Global Private Market Investment Services • Expand USD-denominated alternative investment offerings, including venture capital, private equity, and asset-backed securities. • Launch a Frontier Technology Fund of Funds to capitalize on global technology innovation trends. • Advance family succession planning, family wealth management, and multi- generational asset allocation services. • External AUM reached NT$62.1bn, while total assets under management, including proprietary investments, exceeded NT$100bn. • AUM net increase NT$1.3+bn in 1H26, with fund commitments in pipeline exceeding NT$10bn • Balanced-allocated proprietary capital between Taiwan and int’l markets (excl. Greater China) at approx. 40% each; asset management business focused on Taiwan+ (61%). • Professional investment team of over 100 professionals, with investment capabilities and brand recognition consistently acknowledged by the market. • Promote digitalization and intelligent investment management processes. Build an AI investment brain to improve decision-making quality and organizational efficiency. • Deepen engagement with Taiwan / Taiwan-founded businesses, focusing on strategic industries with global competitiveness, and capture both domestic and cross-border investment opportunities. • Provide corporate transformation and strategic investment services, connecting Taiwan supply chains × global technology and market. • Expand Asia-Pacific infrastructure investment initiatives. 34 1H 2026 Performance Review 數位 Digital 金融 Finance 永續 Sustainability 創新 Innovation AUM Growth Investment Expertise ONE KGI Taiwan Plus CDIB Capital Group – Strategies & Key Achievements Expand AUM and stable income base Leverage Taiwan’s strengths to capture global growth opportunities Drive long-term performance through discipline and technology Build a differentiated global platform for alternative investment management
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 1H 2026 Key Performance Indicators 0.7 bn Net Income annualized ROE 4.8% 62.1 bn Asset Under Mgmt 1H26 1.3+ bn New Fund Raised Processing 1.16 bn CDIB-SKM Fund 2026.01 Final Close Healthcare Fund III 3.0 bn+ Fundraising 2026.Q4 collaborated w/ HonHai Taiwan Smart Manufacturing Global Fund 3.0 bn Fundraising 2026.Q4 / 2027.Q1 NexGen Fund II 100 US$MN Fundraising 2026.Q4 collaborated w/ Marubeni CDIB-Marubeni Energy Fund 3.0 bn Fundraising 2026.Q4 / 2027.Q1 FSC Taiwan Innovation Technology Fund of Funds 6.0 bn Fundraising 2026.Q4 / 2027 Partnering investor for the National Science and Technology Council’s (NSTC’s) Administrative Plan for AI Robotics 2026.06 +5.6 % Investment ROI Listed +16.4% 1H 2026 Performance Review 18.6+ US$MN collaborated w/ Global Auto Brand CDIB AI Industrial and Mobility Fund 2026.05 First Close CDIB Capital Group – Key Metrics 35
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 1. Net income for 1H 26 reached NT$0.7 bn, with an overall investment ROI of +5.6%. The valuation of overall listed investments increased by +16.4%, outperforming MSCI World Index 2. CDIB A-IM Fund completed 1st close in May 2026, the fund is collaborated with Global Auto Brand with US$18.6mn of fund commitment. CDIB also be selected as a partnering investor for the National Science and Technology Council’s (NSTC’s) Administrative Plan for AI Robotics 3. Continue new fundraising efforts, including Healthcare Fund III, Taiwan Smart Manufacturing Global Fund, CDIB-Marubeni Energy Fund, and Taiwan Innovation Technology Fund of Funds. Expect to raise NT$10+ billion fee-generated AUM 361H 2026 Performance Review CDIB Capital Group – Performance Highlight 0.1 0.7 2.2 0.7 0.5 1H 25 1H 26 2023 2024 2025 Net income(NT$ bn) 0.8% 4.8% 7.4% 2.4% 1.7% 1Q 25 1H 26 2023 2024 2025 ROAE
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 35.1 38.2 20.4 32.8 37.9 9.4 8.4 9.7 9.7 9.2 17.5 15.6 13.7 16.6 15.5 62.0 62.1 43.8 59.1 62.6 1H 25 1H 26 2023 2024 2025 Taiwan China International Asset Management AUM Composition1 (NT$ bn, by management team) 37 As of 1H 26, AUM reached NT$62.1 bn, with NT$10bn expected new fund raising CDIB Capital Group – Assets Under Management 1H 2026 Performance Review Note1 : AUM comprises portfolio fair value and dry powder, converted to NTD based on the latest year -end or quarter-end FX rate. Note2 : New fund raising in 2023: Taiwan NT$0.6bn; China NT$0.7bn and International NT$0.3bn, 1H 25 and 1H 26 all from Taiwan Taiwan 61.4% China 13.4% International 25.1% 62,139 Asset Management AUM Composition1(NT$ mn) 222 204 222 314 44825 19 103 68 43 124 72 248 278 208 1H 25 1H 26 2023 2024 2025 Fee Income1 (NT$ mn) Taiwan China International 574 660 699 371 294 3.9 1.3 14.8 6.5 10.0 (Raising) 0.3 0.0 3.8 2.9 3.9 11.3 1.7 18.9 9.5 1H 25 1H 26 2023 2024 2025 New Fund Raising2(NT$ bn, by management team) Taiwan China International
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 162 167 311 294 334 24 7 17 36 29 11.9% 12.4% 11.6% 11.6% 11.7% 1H 25 1H 26 2023 2024 2025 Interest Income Upfront/ Annual Fee Average Coupon Rate 328 330 363 Private Credit2 Contractual Income (NT$ mn) 187 174 13.8 14.4 13.6 15.6 14.9 8.4 9.0 12.1 9.9 9.4 12.3 15.1 8.4 10.7 13.0 34.5 38.4 34.1 36.2 37.4 1H 25 1H 26 2023 2024 2025 Taiwan China (include HK) International Principal Investments Composition (NT$ bn, by main operation country) 38 Overall portfolio maintains a balanced allocation CDIB Capital Group - Principal Investment 1H 2026 Performance Review Note 1：New business since 2020, includes Beneficiary Note and Private Credit 3 rd Party Funds Note 2 : Average coupon only includes bond products. 3.4 3.6 3.2 3.5 3.3 1H 25 1H 26 2023 2024 2025 Private Credit2 Portfolio (NT$ bn) Taiwan 37.4% China (include HK) 23.4% International 39.2% 38,396 Principal Investments Composition (NT$ mn)
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A Q&A 1H 2026 Performance Review 39
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Primary Blue 04327A Appendix 1H 2026 Performance Review 40
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds Recognition for Sustainability Efforts DJBIC World and Emerging Markets Indices EM Index TIP Taiwan ESG Index CommonWealth – Sustainability Citizen Award Corporate Governance Index AA A ESG Risk Score Global View ESG Award-- Outstanding Award for Human Development and Social Innovation Taiwan Corporate Sustainability Award Happy Enterprise – Gold Award in the Financial Management and Consulting Category Sports Enterprise Certification by the Sports Administration, Ministry of Education 21.41(the lower, the better) Joined CDP Non- Disclosure Campaign Taipei City Workplace Gender Equality Certification – Gold Award Signed up TCFD Signed up TNFD Adopter Signed up PCAF CSA/ESG: 92 (1st in the global and Taiwan insurance industry) Data: as of May 2026 ESG Index Membership ESG Ratings Accolades & Initiatives Science Based Targets initiative (SBTi) Passed Science-based targets validation CDP Partnership for Carbon Accounting Financials, PCAF Task Force on Climate- related Financial Disclosures, TCFD Taskforce on Nature- related Financial Disclosures, TNFD Continually selected as a constituent stock in multiple international and Taiwan ESG indices. 1H 2026 Performance Review 41
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Financial has been actively responding to international initiatives since 2015 and moving towards an international and sustainable leading financial institution. KGI Financial Responds to International Initiatives 42 ◆ The Roadmap of KGI Financial Responds to International Initiatives 2015 Observed Equator Principles (Eps) 2016 Signed up CDP Initiative 2018 Signed up TCFD Initiative 2020 Observed PRI/PRB/PSI 2021 Observed UNEP FI commitment to 2045 net zero carbon emissions 2023 Signed up PCAF 2024 Signed up TNFD Adopter 2025 Passed Science- based targets validation Joined CDP Non- Disclosure Campaign 1H 2026 Performance Review
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Financial • KGI Financial was continuously recognized by the S&P Sustainability Yearbook for 7 consecutive years, earning the title of No. 1 in the global insurance industry in 2026. • Constituent of S&P Dow Jones Indices(DJBIC) - World Index and Emerging Markets Index for 6 consecutive years. • FTSE4Good Emerging Index and FTSE4Good TIP Taiwan ESG Index for 9 consecutive years. • MSCI ESG Ratings as AA. • Won CDP‘s highest double-A ratings for “Climate Change” and “Water Security,” as well as the "Forests” leadership honor, leading the world in nature and climate governance. • Continuously selected as a constituent stock of the Taiwan Stock Exchange "TWSE Corporate Governance 100 Index,” "TWSE RAFI® Taiwan High Compensation 100 Index," and "TWSE RA Taiwan Employment Creation 99 Index.“ • Awarded the 2025 Global Views ESG Corporate Sustainability Award – Outstanding Performance Awards in both the Human Development and Social Innovation • KGI Financial won 2025 Taiwan Corporate Sustainability Awards including “Taiwan Top 100 Sustainable Model Enterprise Award,” “Corporate Sustainability Report-Platinum Award,” "Talent Development Leadership Award", "Gender Equality Leadership Award", "Social Inclusion Leadership Award“ • Awarded the 2025 CommonWealth Sustainable Citizen Award, and the 2025 CommonWealth Talent Sustainability Award • KGI Financial has been awarded the Gold Award for Happy Enterprise by 1111 Job Bank for three consecutive years. In addition, KGI Financial, KGI Life Insurance and KGI Bank, we all received the Excellence Award in the 2nd "Happy Enterprise Evaluation" organized by the Commercial Times. Progress on ESG 43 KGI Bank • Bank’s green credit balance reached NT$40.4bn in 1H 2026, a 151.6% increase compared to 2022, demonstrating progress in sustainable finance implementation • Supporting global net-zero goals, 7 branches received approval for voluntary carbon reduction projects and earned the highest “Outstanding Performance” rating in Common Wealth Magazine’s TRIPs CDIB Capital • Including the capital injection into the green energy supply chain platform Kai Hong Energy, NT$93 million was invested in the green energy industry in 1H, while continue fundraising efforts for CDIB-Marubeni Energy Fund, with a target to add NT$270+mn in green investment for 2026 • Continue participating in NDF’s Regional Regeneration Project: leverage resources of CDIB ecosystem to facilitate 27 regional regeneration teams in 3 years to strengthen their business models, completed 4 volunteering activities in 2026 KGI Life ▪ As of end-June 2026, KGI Life had received a total of 15 domestic and international sustainability awards, recognizing its achievements in responsible investment, net-zero transition, digital innovation, employee care, and other areas ▪ As of end-June 2026, the microinsurance liability target achievement rate reached 117%, ranking first in the industry ▪ As of 1H26, green and sustainable investment balance reached NT$ 42.88 billion, including investments in green bonds, sustainability bonds, green equities, and ESG funds—up 38% from the 2022 base year 1H 2026 Performance Review KGI Securities • KGI securities’ ESG and green energy-related underwriting and equity fundraising reached NT$60.6bn in 1H 2026 • Demonstrated diligent governance and commitment to the Group’s sustainable net-zero vision, once again listed in the TSE’s “Best Disclosure of Institutional Investor Governance Information”, and ranked in the top 25% in the FSC’s TCF evaluation among major securities firms • The first domestic securities firm to launch a dedicated short-code SMS service and to provide a fraud intelligence inquiry platform; recognized with the Stock Exchange’s annual “Anti-Fraud Evaluation Excellence Award” for securities firms
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds 44 IFRS 17 NT$ (mn), % 1H 25 1H 26 Δ% FY 2023 FY 2024 FY 2025 Δ% Income Statement Data Net interest income 37,993 42,851 +13% 73,292 74,908 76,717 +2% Net Insurance income (18,246) (17,467) -4% (41,213) (47,430) (30,539) -36% Net gains (losses) on FX and financial assets (1,910) 12,748 -767% 13,815 39,775 10,010 -75% Others 4,776 18,706 +292% 6,620 11,843 13,032 +10% Net revenue 22,614 56,838 +151% 39,552 73,289 69,220 -6% Bad debt expense and reserve for guarantee (370) (165) -55% (361) (1,464) (620) -58% Operating expense (16,888) (23,605) +40% (31,576) (36,752) (37,787) +3% Income before tax 5,355 33,067 +517% 20,577 40,879 30,812 -25% Net income 5,473 28,448 +420% 18,948 33,555 30,056 -10% Net income attributable to parent company 5,474 28,440 +420% 18,943 33,552 30,058 -10% EPS (NT$/share) 0.29 1.64 +466% 1.13 1.95 1.74 -11% Cash dividend per share (NT$/share) 0.50 0.85 1.00 - Balance Sheet Data Total assets 3,825,516 4,591,104 +20% 3,648,212 3,948,245 4,120,135 +4% Equity attributable to parent company 266,409 469,201 +76% 262,819 307,156 327,392 +7% Outstanding common shares (million shares) 16,788 16,975 +1% 16,742 16,769 16,956 +1% Key Financial Ratios ROAE (%) 3.8 14.2 - 8.0 11.8 9.5 - ROAA (%) 0.28 1.32 - 0.5 0.9 0.8 - Double leverage ratio (%) 121.8 113.7 - 121.7 118.8 118.0 - Note 1: 1H25 figures have been restated following the adoption of IFRS 17 Financial Highlights KGI Financial Consolidated
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds NT$ (mn), % FY 2024 FY 2025 Income statement FYP 58,004 77,272 Total premium income 174,526 192,989 Retained premium earned 158,635 162,940 Total investment income 88,709 50,389 Recurring investment income 83,068 82,604 Other investment income 5,641 (32,215) Realized gains (losses) from equity 24,907 35,561 Realized gains (losses) from fixed income 1,141 622 Fair value movement for investment property (703) (126) FX related & others (19,704) (68,272) Other operating revenue 1,884 2,146 Total operating revenue 249,228 215,475 Retained claim payments (208,212) (185,470) Net changes in insurance liabilities 5,806 4,915 Commission expenses (12,497) (12,487) Administrative and general expenses (8,120) (7,850) Other operating costs (1,040) (1,334) Total operating costs & expenses (224,063) (202,226) Non-operating income & expenses 33 63 Net income before tax 25,198 13,312 Net income 22,155 15,825 EPS (NT$/share)1 4.24 3.03 KGI Life Consolidated Financial Highlights (1/2) Note: 1. EPS were calculated based on the retrospective adjustment after the historical capital increases. 1H 2026 Performance Review 45 NT$ (mn), % 1H 26 Income statement Insurance Service Result 8,370 CSM and RA release 7,933 Variance in Claims and Expenses (90) Other insurance service result 527 Financial result 5,601 Recurring investment income 39,551 Other investment income (7,442) Gain (Loss) on Disposal and Valuation of Investments 3,016 FX and others (10,458) Insurance finance income or expenses and others2 (26,508) Other operating result (4,010) Net income from investment contracts and other operating revenue 277 Other operating costs and expenses (4,920) One-off impact of IFRS 15 633 Operating income 9,961 Net non-operating income / (expenses) 19 Income tax benefit (expense) (777) Net income 9,203 FVOCI equity disposal gains (After-tax) 39,044 Net income including FVOCI equity disposal gains 48,247 2. Others include net G/L on separate account, G/L related to investment-linked liabilities, and FX G/L on investment-linked products
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds NT$ (mn), % FY 2024 FY 2025 Balance sheet Total assets 2,510,844 2,542,384 Total assets (general account) 2,389,411 2,403,177 Insurance liabilities 2,111,675 2,099,315 Total liabilities 2,325,459 2,341,549 Total liabilities (general account) 2,204,026 2,202,342 Total shareholders' equity 185,385 200,835 Key financial ratios RBC ratio (%) 398 363 ROAE(%) 13.3 8.2 ROAA (%) 0.9 0.7 KGI Life Consolidated Financial Highlights (2/2) 1H 2026 Performance Review 46 NT$ (mn), % 1H 26 Balance sheet Total assets 2,644,052 Total liabilities 2,295,304 Total shareholders' equity 348,748 Key financial ratios ROAE(%) 6.54 ROAA (%) 0.76 ROAE including disposal gains on equity instruments measured at FVOCI(%) 34.3
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Bank Consolidated Financial Highlights (1/2) 47 NT$ (mn), % 1H 25 1H 26 Δ% FY 2023 FY 2024 FY 2025 Δ% Income Statement Data Revenues Net interest income 4,703 6,552 39% 7,700 7,318 10,357 42% Net fee income 1,668 2,068 24% 1,831 2,623 3,001 14% Net financial assets related income 1,635 1,015 -38% 3,202 4,952 3,125 -37% Other income 760 576 -24% 832 1,158 1,331 15% Net Revenue 8,768 10,212 16% 13,565 16,051 17,814 11% Operating expenses (4,401) (5,028) 14% (7,206) (8,275) (9,166) 11% Pre provision operating profit 4,366 5,184 19% 6,359 7,776 8,648 11% Provision (427) (147) -66% (179) (1,535) (731) -52% Income before taxes 3,939 5,037 28% 6,180 6,241 7,917 27% Net Income 3,379 4,276 27% 5,395 5,583 6,805 22% Balance Sheet Data Total Assets 919,161 995,142 8% 795,401 906,905 939,362 4% Loans, net 502,603 536,540 7% 396,926 472,966 525,257 11% Financial assets 243,768 255,419 5% 244,838 258,379 246,025 -5% Total liabilities 846,055 919,793 9% 726,272 832,908 860,904 3% Deposits 665,361 725,490 9% 558,142 631,893 685,668 9% Total shareholders' equities 73,106 75,349 3% 69,219 73,997 78,459 6%
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds KGI Bank Consolidated Financial Highlights (2/2) 48 NT$ (mn), % 1H 25 1H 26 Δ% FY 2023 FY 2024 FY 2025 Δ% Key Financial Ratios Cost income ratio (%) 50.20 49.23 - 53.12 51.55 51.45 - ROAE (%) 9.19 11.12 - 8.26 7.72 8.93 - ROAA (%) 0.74 0.88 - 0.69 0.66 0.74 - NPL ratio (%) 0.17 0.16 - 0.30 0.20 0.18 - Coverage ratio (%) 727.44 801.38 - 424.84 623.83 717.68 - BIS ratio (%) 13.91 13.86 - 14.61 13.29 14.44 - Tier 1 ratio (%) 11.83 11.82 - 12.59 11.37 12.41 - LDR (%) 76.50 74.87 - 72.09 75.80 77.57 -
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds NT$ (mn),% 1H 25 1H 26 Δ% FY 2023 FY 2024 FY 2025 Δ% Income Statement Data Net brokerage commissions 7,905 16,213 +105% 13,500 18,105 18,529 +2% Net underwriting fees 367 1,064 +190% 1,086 1,258 1,086 -14% Net interest income 560 819 +46% (157) (63) 1,525 - Net investment income & Other revenue 1,478 10,777 +629% 3,407 4,571 4,548 -0% Net revenue 10,310 28,874 +180% 17,836 23,870 25,688 +8% Operating expenses (8,145) (14,525) +78% (14,951) (17,675) (18,136) +3% Non-operating income & expenses 2,380 6,035 +154% 5,229 5,809 5,773 -1% Net income before tax 4,544 20,384 +349% 8,114 12,004 13,326 +11% Net income 3,711 17,942 +383% 7,346 10,143 11,511 +13% Net income attributable to parent company 3,710 17,936 +383% 7,344 10,138 11,509 +14% Balance Sheet Data Total assets 522,187 972,385 +86% 425,032 522,110 634,241 +21% Total net worth 59,329 80,801 +36% 59,580 64,832 68,464 +6% Key Financial Ratios Total assets/net worth (X) 8.8 12.0 - 7.1 8.1 9.3 - ROAA (%) 1.4 4.5 - 1.8 2.1 2.0 - ROAE (%) 12.0 48.1 - 13.0 16.3 17.3 - CAR ratio (%) 276 266 - 291 321 298 - 49 KGI Securities Consolidated Financial Highlights
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2383FF 00B0F00070C0002060 B2D3FF 862F08 B5400B F16022 F6B6A4 FADBD2 0C3177 515981 FDF1E9F2F8EE EAEDF2 F2F2F2 EAF2FA 222A35 000000 C00000 F94545 FDD7D3 939ABB C4C8DA EAECF2 3C845D 4DA977 AEDAC22E6446 CFE9DB KGIB Backgrounds Fonts CDIB KGIS CLIC F69B72 FCE9E4 3B815B 80C5A0 C0E2CF E2F2E9 DEE0EA0070C0081C41 CDFBBDFFF F0F4F7 CDF 85270D 04327A D9D9D9 KGIS F4F4F4 KGIS 595959 FEF8F1 F0F4F7F1F3F704327A Widget Back- grounds CDIB Capital Consolidated Financial Highlights 50 NT$ (mn), % 1H 25 1H 26 Δ% FY2023 FY2024 FY2025 Δ% Income Statement Data Operating revenues 660 1,720 161% 3,497 2,339 2,321 -1 Operating cost (6) 5 - (73) (22) (60) 173 Operating expenses (710) (1,035) 46% (1,578) (1,624) (1,901) 17 Profit (loss) from operations (56) 690 - 1,845 693 360 -48 Non-operating income & expenses 214 158 -26% 385 258 268 4 Net income before tax 158 847 435% 2,230 952 627 -34 Net income 115 751 552% 2,158 729 513 -30 Net income attributable to parent company 117 749 540% 2,155 731 517 -29 Balance Sheet Data Total assets 40,211 44,761 11% 38,549 43,904 43,122 -2 Total liabilities 11,424 12,743 12% 8,355 12,463 12,003 -4 Equity attributable to parent company 28,684 31,909 11% 30,083 31,327 31,012 -1 Key Financial Ratios ROAA(%) 1.0 3.8 - 11.7 2.2 1.6 - ROAE(%) 0.8 4.8 - 14.3 2.4 1.6 - Total debts / Total assets(%) 28.4 28.5 - 21.7 28.4 27.8 -