Slides
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2Q/2026 Analyst Meeting 12026/8/27
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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. The Company makes no express or implied representations or warranties as to the fairness, accuracy, completeness, or correctness of such information or opinions. This document is provided as of the date herein and will not be updated to reflect any changes hereafter. The Company, its affiliates and their representatives do not accept any responsibility or liability for any damage caused by their negligence or any other reasons, nor do they accept responsibility or liability for any loss or damages arising from the use of this document or the information contained herein or anything related to this document.•This document may contain forward-looking statements, including but not limited to all statements that address activities, events or developments that the Company expects or anticipates to take place in the future based on the projections of the Company toward the future, and various factors and uncertainness beyond the Company's control. Therefore, the actual results may differ materially from those contained in the forward-looking statements.•This document is not and cannot be construed as an offer to purchase or sell securities or other financial products or solicitation of an offer.•This document may not be directly or indirectly reproduced, redistributed or forwarded to any other person and may not be published in whole or in part for any purpose.2
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Overview and Strategic FocusFinancial PerformanceOperating PerformanceAppendix Ta b l e o f C o n t e n t s1234 3
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1H/26 Mega FHC Operations Summary 4•1H/26 are unaudited numbers.•To ensure comparability following the adoption of IFRS 17 from 2026, 1H/25 after-tax net profit for the FHC and its CKI subsidiary has been restated on an IFRS 17 basis. NT$ 21.307 billion1H/26 Net ProfitNT$ 1.441H/26 EPSBank Subsidiary Delivered Strong PerformanceLoans and Deposits Maintained Steady GrowthAs of 1H/26, total deposits reached approximately NT$3.3 trillion, representing an annual growth rate of 8%. Average outstanding loan balance reached approximately NT$2.5 trillion, up 9% YoY. 2026 loan volume target is expected to sustain a double-digit pace.Syndicated Loan Business Maintained Market LeadershipIn 1H/26, Mega Bank ranked No. 3 Mandated Lead Arranger (MLA) in Taiwan's syndicated loan market.Successfully arranged financing for numerous large-scale projects across the electronics, petrochemical, and energy sectors, as well as several aircraft financing transactions for Taiwanese airlines.Strong Momentum in Wealth Management BusinessAssets Under Management (AUM) for the affluent banking business reached a record highof NT$264 billion in 1H/26.WM net Fee income increased to NT$2.9 billion, representing 49% YoY growth. Growth was driven by professional investment advisory services and affluent customer acquisition, supported by dedicated Affluent Banking Relationship Managerteams, helping branch networks expand customer relationships and business opportunities.Non-Bank Subsidiaries' Demonstrated Solid PerformanceSecurities SubsidiaryNet income reached NT$3.526 billion in 1H/26, surging 410% YoY. Performance wasprimarily driven by strong contributions from brokerage operations and capital market activities.Bills SubsidiaryNet income reached NT$1.8 billion in 1H/26, increasing 46% YoY. Core businessesremained resilient, while maintaining a leading market position across key market-share indicators.CKI SubsidiaryNet income amounted to NT$563 million in 1H/26, up 49% YoY. Strong performancewas supported by growth in engineering insurance and health insurance business lines.Site subsidiaryNet income reached NT$104 million in 1H/26, rising 126% YoY. Assets under management expanded to NT$149.3 billion, representing 30% growth, primarily drivenby growth in both money market and non-money market funds.Mega FHC remains committed to stable operations and sustainable growth through organizational optimization, financial service innovation, and digital transformation toenhance operational efficiency. The banking subsidiary is expected to maintain steady growth, while non-banking subsidiaries are anticipated to deliver double-digit totriple-digit earnings growth. Looking ahead to 2026, Mega FHC aims to achieve robust earnings growth, while continuing to execute its agile strategies and uphold the principles ofprofessional leadership and execution excellence. FHC Profit Overview
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15,369 1,233 691 377 91 46 (53)18,172 15,866 1,800 3,526 563 109 104 63 21,307 MegaBankMega Bills Mega Sec. CKI MegaAMCMega Site Mega VC Mega FHC 1H/20251H/2026* 1H/26 FHC Net Profit Surpassed NT$20 Billion (+17% YoY); Strong Earnings Growth Across SubsidiariesMega FHC & Subs. 1H/26 earning trendUnit: NT$MN 5•1H/26 & Jan.-July/26 are unaudited numbers.•To ensure comparability following the adoption of IFRS 17 from 2026, 1H/25 after-tax net profit for the FHC and its CKI subsidiary has been restated on an IFRS 17 basis. Mega FHC Jan.-July/26 earning trend22,420 25,659 Jan.-July./2025 Jan.-July./2026
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19,6654,2409,143355 21,4315,2918,234339Net Interest Income Net Fee Income Trading Gain Other Income**1H/20251H/2026*18,9746,86311,4841,44221,21110,14213,3571,583Net Interest Income Net Fee Income Trading Gain Other Income**1H/20251H/2026* Mega FHC1H/26 net revenue breakdown*Unit: NT$MN 6Mega Bank1H/26 net revenue breakdown** 1H/26 are unaudited numbers. **To ensure comparability following the adoption of IFRS 17 from 2026, 1H/25 after-tax net profit for the FHC and its CKI subsidiary has been restated on an IFRS 17 basis. 1H/26 Mega FHC: Robust revenue growth across the board, including NII, NFI & Trading Gain Unit: NT$MNNII46%Fee22%Trading Gain29%Others3%NII61%Fee15%Trading Gain23%Others 1%
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Ta b l e o f C o n t e n t s 7 Overview and Strategic FocusFinancial PerformanceOperating PerformanceAppendix1234
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1H/26 Mega FHC delivered strong profitability, with ROE rising to 10.72% and ROA reaching 0.82%, hitting a five-year highM a j o r e a r n i n g m a t r i x e s * 1H/26 are unaudited numbers; ROE and ROA are annualized numbers.** Historical EPS were not adjusted for forward looking stock dividend distribution.*** Cash dividend yield = cash dividend / last trading day share price of that year8 To prevent over-inflated capital base as well as to maintain sufficient capital for future growth, our dividend policy is:Maintain high payout ratioAt least 50% of dividend payout in cash form.0.45%0.79%0.77%0.72%0.82%ROA5.84%10.46%9.93%9.28%10.72%ROE1.322.372.352.361.441.241.501.601.7502022 2023 2024 2025 1H/26EPS**Cash Div.Stock Div.100%Payout76%Payout68%Payout74%PayoutCash Div. yield***4.09%3.83%0.080.304.13%4.38%
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Ample capital buffers, with the Bank's capital well above D-SIBs regulatory requirements Mega Bank Mega FHC Mega Bills Mega Securities CKI P&CMoody’s: A2CAR Requirement : 100%Requirement : 8.0%Moody’s: A1 / S&P: A+ D-SIBs requires: CAR: 14.5%Tier1: 12.5%CET1: 11.0%Moody’s: A3 / S&P: A-Requirement : 200%Requirement : 150% * 1H/26are unaudited numbers9 CAR/RBCCommon equity ratioCredit ratingDouble leverage ratioBISDLRBISDLRTier 1 ratio122.86%122.68%131.93%127.50%2023 2024 2025 1H/26120.05%116.11%117.58%117.83%14.09%13.42%13.65%13.28%2023 2024 2025 1H/26368.32%610.62%588.70%285.69%2023 2024 2025 1H/26349.43%338.14%299.16%331.19%2023 2024 2025 1H/26 15.32%14.81%16.42%15.76%12.65%14.29%13.51%13.25% 12.53% 14.16% 13.39%2023 2024 2025 1H/26
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Ta b l e o f C o n t e n t s 10 Overview and Strategic FocusFinancial PerformanceOperating PerformanceAppendix1234
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Twin-engine corporate loan growth in 2Q/26: large corporates +24.9% YoY, SMEs +12.3% YoY, boosting overall loans ending balance to +15.2% YoYMega Bank 2Q/26 loan breakdown by customers * Mega Bank quarterly end balance, internal numbers; includes loan, factoring, A/R financing, L/C, credit card revolving and non-accrual loan but excludes guarantee.** Includes Gov-linked Non-Profit Organization and etc. Total(Ending Balance)Largecorp.SMEOther corp.**Gov.-linkedMortgageOtherconsumer Growth %Mega Bank quarterly loan balance* 11 Unit: NT$BNTotal(Average Balance) 123 123 126 129 140 490 487 488 493 505 71 93 100 118 95 54 60 63 69 67 851 872 897 910 956 708 747 777 794 884 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26 2,513Total: 2,298 2,4502,6472,3822,451Total: 2,2932,3302,4942,309YoY: 15.2%QoQ: 5.3%YoY: 24.9%QoQ: 11.3%YoY: 12.3%QoQ: 5.1%YoY: 3.1%QoQ: 2.4%YoY: 13.8%QoQ: 8.5%YoY: 33.8%QoQ: -19.5% YoY: 8.8%QoQ: 1.8%Large corp.33%SME36%Other corp.3%Gov.-linked4%Mortgage19%Other consumer5%
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2Q/26 manufacturing loans up 21% QoQ and retail & wholesale up 11% QoQ, driving overall loan growth steadily2Q/26 loan breakdown by industry*Mega Bank loan balance trend by industry* Unit: NT$BNGrowth 12* Mega Bank internal numbers, includes loan, factoring, A/R financing, L/C, credit card revolving and non-accrual loan but excludes guarantee.** Main component for “Other Industry”: leisure (hotel & restaurant) industry 836 128 332 178 135 121 68 664 184 690 126 390 160 148 45 51 651 250 618 118 364 154 130 42 17 642 212 ManufacturingTransport & TelecomReal EstateRetail & WholesalesFinancialServiceGov. AgencyConsumerOthers** 2Q/261Q/262Q/25YoY: 35.3%QoQ: 21.2%YoY: -8.8%QoQ: -14.9%YoY: 15.6%QoQ: 11.3%YoY: 8.5%QoQ: 1.6%YoY: 3.8%QoQ: -8.8%YoY: 188.1%QoQ: 168.9%YoY: -13.2%QoQ: -26.4%YoY: 3.4%QoQ: 2.0%YoY: 300.0%QoQ: 33.3%Manufacturing32%Transport & Telecom5%Real Estate12%Retail & Wholesales7%Financial5%Service4%Gov. Agency3%Consumer25%Others7%
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2Q/26 domestic and overseas loans grew in tandem, with overseas branches maintaining momentum as the top performer at +7.4% QoQMega Bank 2Q/26 loan breakdown by regions * Unit: NT$BN * Mega Bank quarterly end balance, internal numbers; includes loan, factoring, A/R financing, L/C, credit card revolving and non-accrual loan but excludes guarantee.** OBU stands for Off-shore Banking UnitDomesticOBUOverseas 131,837 1,900 1,947 1,983 2,088 161 173 179 189 192 299 307 322 340 365 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26GrowthYoY: 13.7%QoQ: 5.3%GrowthYoY: 19.3%QoQ: 1.6%GrowthYoY: 22.1%QoQ: 7.4%Domestic79%OBU7%Overseas14%
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NTD loanFCY loan** USD FX rateUSD loan** Mega Bank 2Q/26 loan breakdown by currency: NTD vs. foreign currency loan * Unit: NT$BNMega Bank USD Loan balance* Unit: NT$BN14* Mega Bank quarterly average balance, internal numbers; includes loan, factoring, A/R financing, L/C, and non-accrual loan but excludes credit card & guarantee.** Foreign currency and USD loans include OBU, overseas branched and some domestic branched loans. 2Q/26 broad-based loan growth momentum: NTD loan +9.5% YoY, FCY loan +15.9% YoY, and USD loan +16.6% YoY1,743 1,798 1,828 1,857 1,909 541 543 562 594 627 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26GrowthYoY: 9.5%QoQ: 2.8%GrowthYoY: 15.9%QoQ: 5.6%2,391Total: 2,2842,3422,4512,536NTD Loan75%FCY Loan25%GrowthYoY: 16.6%QoQ: 6.3%GrowthYoY: 6.6%QoQ: -0.6%29.85 30.47 31.43 32.02 31.833793753914164422Q/25 3Q/25 4Q/25 1Q/26 2Q/26
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2Q/26 deposits grew 4.5% YoY, driven mainly by growth in NTD demand and time depositsMega Bank deposit balance *Unit: NT$BN Mega Bank 2Q/26 deposit breakdown 15 FX time depositNTD time depositFX demand depositNTD demand deposit* Excludes interbank deposit, Central Bank deposit & Chunghwa Post re-deposit ; internal numbers.** Includes retail and corporate deposit but excludes due from central banks and banksMega Bank demand deposit % trendFCY time25%NTD time 29%NTD demand32%FCY demand14%1,013 1,023 1,062 1,049 1,089 395 435 443 448 462 836 882 1,082 953 981 695 799 835 770 853 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26 GrowthYoY: 15.2%QoQ: 5.2%3,422Total: 2,9393,1393,2203,386 47.97%46.74%44.82%46.70%45.88%2Q/25 3Q/25 4Q/25 1Q/26 2Q/26
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2Q/26 LDR kept climbing: Overall LDR +3.78 ppt QoQ and USD LDR +2.75 ppt QoQMega Bank’s total LDR*Mega Bank’s USD LDR** 16* Total LDR calculation is based on avg. loan/ avg. deposit end balance ** USD LDR calculation is based on average loan/deposit balance of that quarter*** Source: Central Bank of Taiwan 39.65%39.34%39.24%39.09%38.90%38.61%41.36%42.01%3Q/24 4Q/24 1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26 72.89%71.32%74.53%76.92%75.40%72.27%76.05%76.48%71.50%71.02%72.12%71.58%71.31%71.04%72.56%72.26%3Q/24 4Q/24 1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26 Mega LDR Industry LDR***
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2Q/26 total loan interest spread widened 3 bps QoQ to 1.37%; overseas loan spread rose 4 bps QoQ to 2.5%, while the domestic loan spread held steadyMega Bank total loan interest spreadMega Bank overseas loan interest spread*Mega Bank domestic loan interest spread* 17* Overseas loan includes overseas branches and OBU loan; internal numbers. 1.35%1.34%1.31%1.28%1.34%1.37%3.13%3.04%3.01%2.93%2.92%2.93%1.79%1.70%1.69%1.66%1.58%1.57%1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26 SpreadYieldCost2.61%2.59%2.49%2.45%2.46%2.50%5.43%5.25%5.12%4.94%4.76%4.79%2.81%2.66%2.63%2.49%2.30%2.29%1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26SpreadYieldCost 1.32%1.33%1.36%1.27%1.30%1.31%2.44%2.42%2.45%2.40%2.42%2.42%1.12%1.09% 1.09%1.13%1.12%1.11%1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26SpreadYieldCost
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2Q/26 strong NIM performance: Overall NIM broke above 1% (+6 bps QoQ), FCY NIM +14 bps QoQ, and USD NIM +10 bps QoQ 18* NIM = annualized net interest income / average interest earning assets (AIEA) of that quarter; internal numbers; Unit: NT$BN / % Mega Bank quarter NIM and average interest earning assets*OverallNTDFCYUSDRMBOther FCYUnit: NT$BN / %AIEAAIEA NIMNIM
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2Q/26 wealth management fee income hit a fresh six-quarter high at NT$1,851mn, up 13% QoQ and 68% YoYMega Bank wealth management gross fee breakdown*Unit: NT$MN 19* Mega Bank internal data; gross wealth mgmt. fee, NOT net wealth mgmt. fee. *** Custodian acc. fee associated with WM biz** Profit sharing scheme of fund mgmt. fee and trust account mgmt. fee. **** Includes FX spread gain and etc.274 195 383 361 420 508 429 413 506 336 511 571 150 91 145 165 203 213 236 173 206 215 239 254 221 210 217 240 261 294 16 21 19 7 7 10 - 200 400 600 800 1,000 1,200 1,400 1,600 1,800 2,000 1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26Other income****Custodian fee***Management fee**Equity products feeBancassurance feeBond & structurednote fee1,4761,103Total: 1,3261,6411,8511,324
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1,9505161,183591 2,9004941,243654Wealth Mgmt* FX Credit fee** Others1H/251H/26Mega Bank net fee breakdown1H/26 robust wealth management momentum: net fee income +25% YoY, with wealth management net fees up ~50% YoY and their share rising to 55%Unit: NT$MN Mega Bank net fee trend***Mega Bank 1H/26 net fee breakdownUnit: NT$MN20* Net wealth mgmt. fee, plus/deduct adjustment for marketing cost, rebate, and profit sharing with partners.** Includes corporate loan fee, consumer loan fee, guarantee fee and factoring fee***Total net fees are unaudited numbers.4,2405,2911H/25 1H/263,405 1,239 2,554 2,737 3Q/25 4Q/25 1Q/26 2Q/26WM*55%FX 9%Credit fee**24%Others 12%
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Mega Bank loan loss reserved and coverage ratio2Q/26 asset quality remained solid, with the NPL ratio down to 0.16% and coverage ratio up to 977% 21 Mega Bank NPL balance & NPL ratioUnit: NT$MNUnit: NT$MN0.27%0.26% 0.26%0.19% 0.19%0.16%6,3435,8966,2244,7444,7764,2411Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26 609.82%648.76%632.81%866.03%852.00%977.13%38,68338,24839,38641,08040,69241,4451Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26
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2Q/26 asset quality continued to improve, with the new NPL ratio falling to a six-quarter low of 0.02% and NPL ratios for large corporates, SMEs, and mortgages setting new lowsMega Bank NPL ratio by customer *Mega Bank new NPL as % of total loan * 22* Excludes gov. loan, gov-linked corp. loan and other corp. loan, which all have 0% NPL. Mega Bank Bad debts expense, commitment and guarantee liability provisionUnit: NT$MN0.12%0.04%0.04%0.03%0.04%0.02%1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26New NPL 0.16%0.15% 0.15%0.08%0.06%0.06%1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26Mortgage NPL % 0.22%0.26%0.30%0.20%0.21%0.15%1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26 SME NPL %0.41%0.32%0.30% 0.30%0.30%0.25%1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26Large corp. NPL% 361 615 1,332 3,701 329 1,064 1Q/25 2Q/25 3Q/25 4Q/25 1Q/26 2Q/26
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Ta b l e o f C o n t e n t s 23 Overview and Strategic FocusFinancial PerformanceOperating PerformanceAppendix1234
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24 1H/26 Mega FHC consolidated P&L statement •1H/26 are unaudited numbers•With IFRS 17 taking effect in 2026, the FHC's 1H/25 consolidated P&L statement has been restated on an IFRS 17 basis for consistent comparison. 1H/26* 1H/25 YoY Interest income62,527,660,708 62,396,856,1260% Less: interest expense41,316,412,265 43,422,900,236-5% Net interest revenue21,211,248,443 18,973,955,89012% Net revenue other than interest25,081,306,168 19,789,485,10927% Net fee and commissions10,141,937,434 6,862,998,72948% Insurance Service Result750,501,444 526,025,55743% Gain on financial assets and liabilities at fair value thru P&L10,971,609,397 8,652,286,48427% Gain on investment property11,978,726 12,222,699-2% Realized gain on financial assets at fair value thru OCI858,694,656 1,724,301,645-50% Gain/loss arising from derecognition of fin. assets measured at AC74,920,642(164,717,260)- Equity method profit/loss(23,087,379) (44,314,113)- Foreign exchange gains1,437,890,709 1,283,185,22112% Reversal of loss on assets24,502,879 21,137,15916% Insurance Finance Income or Expenses, IFIE(25,881,217) (48,985,764)- Finance income or expenses from reinsurance contracts held(49,740,729)128,413,749- Net other revenue other than interest income907,979,606 836,931,0038% Net revenue46,292,554,611 38,763,440,99919% Bad debts expense, guarantee provision1,477,625,987 1,047,436,69741% Other Operating Expenses (Insurance)25,853,743 16,143,84760% Operating expenses18,982,219,175 17,004,648,38912% Profit from continuing operations before tax25,806,855,706 20,695,212,06625% Income tax expense(4,499,635,710) (2,522,889,401)- Profit21,307,219,996 18,172,322,66517%EPS1.441.2317%
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25 1H/26 Mega FHC consolidated balance sheet •1H/26 are unaudited numbers•With IFRS 17 taking effect in 2026, the FHC's 1H/25 consolidated balance sheet has been restated on an IFRS 17 basis for consistent comparison. 1H/26* 1H/25 YoY Cash and cash equivalents, net125,405,952,151 101,650,102,865 23% Due from central bank and interbank assets705,386,091,676 624,350,477,204 13% Financial assets at fair value thru P&L260,623,563,720 261,696,223,010 0% Financial assets at fair value thru OCI827,095,911,998 535,177,416,324 55% Investments in debts at amortized cost398,950,452,092 573,302,665,688 -30% REPO securities- 1,388,876,806 - Receivables189,484,972,857 103,480,708,366 83% Current tax assets73,024,785 3,365,297 2070% Loans2,635,607,757,218 2,280,453,418,954 16% Other assets89,919,048,873 87,227,607,220 3%Total Assets5,232,546,775,370 4,568,730,861,73415% Deposits from central bank and banks689,413,631,800 595,808,760,856 16% Due to central bank and banks2,035,177,479 2,174,493,044 -6% Financial liabilities at fair value thru P&L32,817,741,100 26,642,020,733 23% Securities sold under repurchase agreements360,242,471,441 303,799,998,559 19% Commercial paper issued64,435,712,222 27,172,756,549 137% Payable151,052,321,285160,809,624,308-6% Current tax liabilities6,769,488,900 6,379,056,478 6% Deposits and remittances3,374,122,304,939 2,965,322,035,50614% Bond payable50,200,000,000 45,200,000,000 11% Other liabilities99,101,901,312 68,736,287,761 44%Total Liabilities4,830,190,750,478 4,207,031,265,79415% Common stock148,333,782,820 148,333,782,820 0% Capital surplus76,850,025,557 76,835,798,884 0% Retain earnings145,822,583,171 132,272,145,823 10% Other equity interest31,349,633,344 4,257,868,413 636%Total Equity402,356,024,892 361,699,595,94011%
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26 1H/26 Mega Bank consolidated P&L statement •1H/26 are unaudited numbers•With IFRS 17 taking effect in 2026, the Bank's 1H/25 consolidated P&L statement has been restated on an IFRS 17 basis for consistent comparison. 1H/26* 1H/25 YoY Interest income59,142,106,697 59,661,209,149-1% Less: interest expense37,710,827,002 39,995,782,447-6% Net interest revenue21,431,279,695 19,665,426,7029% Net revenue other than interest13,864,194,534 13,737,920,8561% Net fee and commissions5,291,283,261 4,240,316,26325% Gain on financial assets and liabilities at fair value thru P&L6,458,672,502 6,621,302,990-2% Realized gain on financial assets at fair value thru OCI326,002,385 1,182,482,935-72% Gain/loss arising from derecognition of fin. assets measured at AC74,920,642(164,717,260)- Equity method profit/loss(23,445,176) (42,844,841)- Foreign exchange gains1,370,420,058 1,541,576,607-11% Reversal of loss on assets27,789,095 5,140,265441% Net other revenue other than interest income338,551,767 354,663,897-5% Net revenue35,295,474,229 33,403,347,5586% Bad debts expense, guarantee provision1,392,588,795 976,248,79043% Operating expenses14,805,627,657 14,212,938,5974% Profit from continuing operations before tax19,097,257,777 18,214,160,1715% Income tax expense(3,231,174,477) (2,844,805,943)- Profit15,866,083,300 15,369,354,2283%EPS 1.59 1.6 -1%
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27 1H/26 Mega Bank consolidated balance sheet •1H/26 are unaudited numbers•With IFRS 17 taking effect in 2026, the Bank's 1H/25 consolidated balance sheet has been restated on an IFRS 17 basis for consistent comparison. 1H/26* 1H/25YoY Cash and cash equivalents, net117,786,643,02796,277,715,24222% Due from central bank and interbank assets705,386,091,676628,350,477,20412% Financial assets at fair value thru P&L72,029,636,78259,953,168,88620% Financial assets at fair value thru OCI617,599,623,933361,835,858,53071% Investments in debts at amortized cost395,110,124,396569,420,062,716-31% REPO securities-2,500,249,678- Receivables57,705,143,67141,642,469,27539% Current tax assets6,90767,208-90% Loans2,635,607,757,2182,280,453,418,95416% Other assets41,769,225,74556,148,916,786 -26%Total Assets4,642,994,253,3554,096,582,404,47913% Deposits from central bank and banks660,894,403,402575,406,830,85615% Due to central bank and banks2,035,177,4792,174,493,044-6% Financial liabilities at fair value thru P&L29,663,644,52526,159,074,53313% Securities sold under repurchase agreements63,264,589,21211,426,011,353454% Payable36,270,493,88881,131,196,131-55% Current tax liabilities5,507,661,9295,114,335,3028% Deposits and remittances3,383,633,797,864 2,970,681,578,74114% Bond payable30,200,000,00030,200,000,0000% Other liabilities48,475,335,50244,177,334,17010%Total Liabilities4,259,945,103,8013,746,470,854,13014% Common stock100,000,000,000100,000,000,0000% Capital surplus72,804,675,32172,804,287,7000% Retain earnings185,855,840,384176,735,644,0735% Other equity interest24,388,633,849571,618,5764167%Total Equity383,049,149,554350,111,550,3499%
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China:•Suzhou branch•Wujiang sub-branch•Kunshan sub-branch•Ningbo branch38 offices in 18 countries/areas; 22 offices in“New South Bond Area” Singapore Thailand:1 sub.+ 4 branchesHo Chi Minh CityManilaParisAmsterdamLos AngelesVancouverPanamaSilicon ValleyChicagoNew YorkTorontoOsakaTokyoMumbai*HKKuala Lumpur*Cambodia: 1 branch+5 sub-branchesYangon LabuanLondonBrisbaneSydney 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 38 offices includes:•23 branches•7 sub-branches•3 rep. offices•1 Thai bank sub. + 4 branches In Progress:•Hai Duong branch in Vietnam, TBA.•Indonesia Jakarta Rep. office, TBA.•GIFT City branch*** in India, TBA.28*Hai Phong and Mumbai are rep. offices; Kuala Lumpur is a marketing office. **On August 12, 2025, Mega Financial Holding announced a plan to close seven overseas branches/ sub-branches (Australia, Netherlands, China, Cambodia), with operations to be consolidated into existing local business units. The Melbourne Branch was officially closed on June 1, 2026. The Amsterdam Branch has received regulatory approval and is in the process of being closed. The remaining cases are pending approval from the relevant authorities. *** Mega Bank plans to establish a branch in GIFT City, India, and obtained FSC approval on April 14, 2026 to file the application with the local authorities. Hai Phong*
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Q & A29 Thank you~