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TS Holdings Investor Presentation Q2 2026 Results Update September 1, 2026
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Disclaimer This document is provided by TS Financial Holding Co., Ltd. (hereinafter referred to as “the Company”). No representation, warranty, or undertaking, express or implied, is or will be given by the Company as to the fairness, accuracy, completeness, and correctness of information contained herein. In addition, the Company has no obligation to update or revise the information contained herein due to any changes in circumstances. This document may contain forward-looking statements, including but not limited to the statement of business activities, events, or development in a possible future by the Company. These forward-looking statements represent the Company’s assumption concerning future operating events and involve certain political, economic, market, and other uncontrolled factors that could cause actual results, performance, or events to differ materially from those expressed. Certain statements, such as those that include the words “potential,” “estimated,” and similar expressions or variations on such expressions may be considered “forward-looking statements.” Financial information in this document may include preliminary unaudited numbers or management accounts. All information is for reference only; some figures, due to rounding or summation, may not equal the actual totals. Please refer to the audited financial report for details. This document does not constitute or contain an offer or invitation to buy or sell any securities or related financial instruments. The Company, its affiliates, and its or their representatives and employees shall not be liable for any damage which may arise from this document or any other written or oral information provided in connection with this document, or from relying on or making any other use of the contents of this document. 2
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• Executive Summary • FHC Performance Highlights • Subsidiaries Performance Highlights 3 Agenda • Banking Business • Life Insurance Business • Securities Business
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4 Executive Summary: 1H26 Business Overview Key Merger Milestones 1H26 FHC Performance 1H26 Subsidiaries Performance The merger of Taishin FHC and Shin Kong FHC took effect on July 24, 2025, with consolidation of major subsidiaries ongoing: • Taishin Investment Trust and Shin Kong Investment Trust merged on November 24, 2025. • Taishin Life and Shin Kong Life merged on January 1, 2026. • Taishin Securities and MasterLink Securities merged on April 6, 2026. • The merger between Taishin Bank and Shin Kong Bank is expected to be completed by January 1, 2027. • TS Holdings delivered a net income after tax of NT$43.8bn in 1H26 (vs. NT$10.2bn in 1H25; +329% YoY). • Book value of NT$26.28/share, EPS of NT$1.69, annualized ROE of 15.36%. Banking • Taishin Bank’s net interest income reached NT$20.0bn (+26.7% YoY), and 2Q26 NIM was 1.42% (-6bps QoQ). Total loan reached NT$2.0tn, with growth +12.0% YoY . Net fee income was NT$11.0bn (+32.0% YoY), underpinned by robust wealth management and credit card fees. Net income after tax was NT$12.4bn (+25.8% YoY), and operating expenses were NT$17.0bn (+12.3% YoY). • Combined banking net income was NT$17.2bn (+74.2% YoY), when including Shin Kong Bank’s 1H26 net income of NT$4.8bn. Life Insurance • Shin Kong Life’s net income reached NT$22.5bn, thanks to steady contributions from CSM release and recurring investment incom e. • Shin Kong Life’s FYP grew 37% YoY to NT$76.2bn, with FX policies accounting for 70.7% of total FYP as of 1H26, supporting bet ter asset- liability matching and lower hedging cost. • Pre-hedge recurring yield reached 4.19%, with cost of liability and hedging costs at 2.3% and 1.22%, respectively, supporting po sitive investment spread in 1H26. Securities • Taishin Securities reported an after-tax profit of NT$7.5bn, thanks to continued upward trends in equity market indices and active mark et trading
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• Executive Summary • FHC Performance Highlights • Subsidiaries Performance Highlights 5 Agenda • Banking Business • Life Insurance Business • Securities Business
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0.97 1.38 1.89 0.71 1.69 2023 2024 2025 1H25 1H26 Net Income (NT$bn) Earnings per Share 1 (NT$) 14.6 20.1 37.4 10.2 43.8 2023 2024 2025 1H25 1H26 +328.8% +140.4% 6 TS Holdings: Earnings Results Note: 1. EPS figures are calculated for common shares only. 2. EPS is calculated by dividing the parent company’s net income after tax by the weighted average number of common shares outstanding for the period. 3. The data from 2023 to 2025 were under IFRS 4, whereas the number of 1H26 was prepared in accordance with IFRS 17.
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10.2 43.8+7.3 +21.2 +7.0 +1.7 -3.5 1H25 Banking Life Insurance Securities Other Subsidiaries Holdings and Others 1H26 TS Holdings: Net Income YoY Change 7 1 Positive NegativeImpact on earnings: YoY Change in TS Holdings’ Net Income (NT$bn) YoY +328.8% 2 Note: 1. “Other Subsidiaries” includes venture capital, investment trust, asset management, investment advisory, and property insurance agency. 2. “Holdings & Others” mainly includes: (1) FHC’s expenses; (2) adjustments made when compiling consolidated statements; (3) PPA amortization; and (4) non-controlling interests. 3. The data of 1H25 was under IFRS 4, whereas the number of 1H26 was prepared in accordance with IFRS 17.
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37.1 6.7 10.2 43.8 1H25 1H26 +329% 5.5 1.9 0.5 7.5 1H25 1H26 Taishin Securities Masterlink Securities 1.3 22.5 51.2 73.7 1H25 1H26 12.4 4.8 9.9 17.2 1H25 1H26 Taishin International Bank Shin Kong Bank TS Holdings: Net Income by Entities 8 +74% +1624% +1408% Banking 1 (NT$bn) Life Insurance 1 (NT$bn) Securities 1 (NT$bn) TS Holdings 1 (NT$bn) Newly acquired subsidiaries Note: 1. The data of 1H25 was under IFRS 4, whereas the number of 1H26 was prepared in accordance with IFRS 17. 2. Masterlink Securities contributed profit of NT$1.9 bn only for the period from January 1 to April 5. OCI equity realized gains 2
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TS Holdings: Assets and Equity 9 Total Assets (NT$bn) Total Equity 1 (NT$bn) 216.6 228.9 484.1 212.5 713.6 13.57 14.00 17.00 12.81 26.28 -40 -20 0 20 40 -50 150 350 550 750 950 1150 2023 2024 2025 1H25 1H26 Total Equity BVPS 3,036.0 3,290.7 8,775.5 3,394.2 9,394.8 2023 2024 2025 1H25 1H26 +177% Note: 1. Book Value per Share is calculated for common shares. 2. The data from 2023 to 2025 were under IFRS 4, whereas the number of 1H26 was prepared in accordance with IFRS 17.
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TS Holdings: ROA & ROE 10 Return on Assets (%) Return on Equity1 (%) 0.50 0.63 0.62 0.61 0.97 2023 2024 2025 1H25 1H26 Note: 1. Return on Equity is calculated for common shares only. 2. ROA and ROE are annualized figures. 3. The data from 2023 to 2025 were under IFRS 4, whereas the number of 1H26 was prepared in accordance with IFRS 17. 7.78 10.31 11.52 10.61 15.36 2023 2024 2025 1H25 1H26
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323% 349% 458% 421% >125% Jun-24 Dec-24 Jun-25 Dec-25 Jun-26 11 Capital Adequacy Ratio 12.6% 13.6% 12.8% 13.6% 12.0% 14.5% 15.5% 14.6% 15.4% 13.7% Jun-24 Dec-24 Jun-25 Dec-25 Jun-26 Tier 1% Taishin FHC CAR Taishin Bank BIS Shin Kong Life Taishin Securities CAR 130.5% 138.8% 132.7% 111.1% 119.7% Jun-24 Dec-24 Jun-25 Dec-25 Mar-26 273% 281% 237% 256% 318% Jun-24 Dec-24 Jun-25 Dec-25 Jun-26 RBC TIS Note: 1. FHC and Shin Kong Life’s Jun 26 capital ratio remains subject to updates in life insurance TIS parameters 1 1
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• Executive Summary • FHC Performance Highlights • Subsidiaries Performance Highlights 12 Agenda • Banking Business • Life Insurance Business • Securities Business
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838 416 331 124 101 903 418 339 128 108 816 416 346 133 115 953 422 356 137 122 968 426 364 143 127 0 100 200 300 400 500 600 700 800 900 1000 Corporate First Mortgages Home Equity + Second Mortgage Unsecured Others Note: 1. Home Equity loan is in first-lien position on the property. 2. “Others” includes auto loans, second mortgages, retail SME, and other consumer products. 2Q26 Total Loan: NT$2,027bn, QoQ +1.9%, YoY +12.0%,YTD +11.0% 2Q25 2Q26 2Q25 2Q26 2Q25 2Q26 2Q25 2Q26 2Q25 2Q26 Corporate First Mortgage Home Equity 1 Consumer Unsecured Others 2 QoQ: +1.5% QoQ: +1.0% QoQ: +2.3% QoQ: +4.6% QoQ: +4.0% YoY: +15.5% YoY: +2.4% YoY: +10.1% YoY: +15.1% YoY: +25.6% 13 Taishin Bank - Stable Loan Growth 2Q26 Loan Mix by ProductLoan Breakdown (NT$bn) Corporate 47.7% First Mortgage 21.0% Home Equity 18.0% Consumer Unsecured 7.1% Others 6.2% FCY Loan 20.9% (YoY: +33.0%) NTD Loan 79.1% (YoY: +7.6%) 2Q26 Loan Mix by Currency
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Manufacturing 25.7% Property & Construction 19.9% Retail & Wholesale 9.3% Transportation & Telecom 6.1% Financials 23.9% Others 15.1% Tech 12.5% Non Tech 13.1% Consumer Unsecured Lending2Q26 Corporate Credit Composition 113.5 116.9 121.5 125.9 132.0 10.9 11.1 11.3 11.1 11.3 2Q25 3Q25 4Q25 1Q26 2Q26 Credit Card Personal Lending NT$bn QoQ YoY Personal Lending +4.8% +16.3% Credit Card +1.6% +3.1% Total Unsecured +4.6% +15.1% 1 1 124.4 128.0 132.8 137.0 143.2 14 Taishin Bank - Credit Composition & Unsecured Lending Note: 1. “Credit Card” includes credit card revolving and credit card loan.
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31.1% 30.0% 29.4% 27.6% 28.0% 21.1% 20.7% 19.6% 21.3% 21.3% 39.2% 39.8% 40.6% 40.0% 39.7% 8.7% 9.5% 10.4% 11.2% 10.9% 2Q25 3Q25 4Q25 1Q26 2Q26 FC Demand NTD Demand FC Time NTD Time NTD Time% FC Time% NTD Demand% FC Demand% Note: Calculation of loan-to-deposit ratio is based on the regulator’s definition. 74.2% 75.2% 72.9% 75.1% 71.8% 0.0 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Loan-to-Deposit Ratio (%)Deposit Mix (NT$bn) CASA% 47.8% 49.3% 51.0% 51.1% 50.6% QoQ: +6.6% YoY: +15.9% 2,425 2,510 2,492 2,636 2,811 15 Taishin Bank - Deposit Mix
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2,654 2,701 2,720 2,794 2,989 1.29% 1.34% 1.44% 1.48% 1.42% 2Q25 3Q25 4Q25 1Q26 2Q26 Average Earning Asset (NT$bn) NIM (%) 3.11% 3.09% 3.09% 3.10% 3.10% 1.72% 1.66% 1.56% 1.51% 1.57% 1.39% 1.43% 1.54% 1.59% 1.53% 2Q25 3Q25 4Q25 1Q26 2Q26 Overall Lending Rate Overall Deposit Rate Overall Spread Quarterly Interest SpreadNIM 16 Taishin Bank - NIM and Spread Note: 1. If reclassifying swap income and principal of funding activities, NIM for 1Q26 and 2Q26 would be 1.36% and 1.29%, respectively. 2. NIM & Spread figures are quarterly averages.
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7,171 8,331 10,996 1H24 1H25 1H26 65% 65% 69% 67% 66% 17% 19% 17% 16% 16% 11% 11% 8% 13% 13% 6% 4% 5% 4% 4% 2% 1% 1% 0% 1% 3,851 4,613 4,152 5,703 5,293 2Q25 3Q25 4Q25 1Q26 2Q26 Others Consumer Banking Corporate Banking Credit Card Wealth Management Net Fee Income Breakdown (NT$mn) 17 QoQ: -7.2% YoY: +37.5% Net Fee Income by Year (NT$mn) +32.0% Taishin Bank - Net Fee Income
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4,901 5,549 7,300 1H24 1H25 1H26 18 Taishin Bank - Wealth Management Net Fee Income 71% 65% 60% 66% 59% 19% 23% 26% 23% 26% 6% 9% 11% 7% 10% 4% 4% 3% 4% 4% 2,497 2,991 2,878 3,804 3,496 2Q25 3Q25 4Q25 1Q26 2Q26 Trust, Custody, & Others Structured Products & Securities Mutual Funds Bancassurance QoQ: -8.1% YoY: +40.0% Wealth Management by Year (NT$mn)Wealth Management Breakdown (NT$mn) +31.6%
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255.5 242.7 324.7 1H24 1H25 1H26 173,995 187,086 192,226 2024.12 2025.12 2026.06 4,846 4,853 4,771 2024.12 2025.12 2026.06 5,012 5,278 6,250 1H24 1H25 1H26 Note: Total spending excludes cash advance. +7.5% -1.7% Spending (NT$bn)Number of Merchants Served Gross Fee Income (NT$mn)Active Cards (thousands) +5.3% 19 Taishin Bank - Credit Card Business +2.7% +33.8% +18.4% +0.1% -5.0%
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28.4 34.2 15.1 17.0 53.2% 49.5% 20.0% 25.0% 30.0% 35.0% 40.0% 45.0% 50.0% 55.0% 60.0% 65.0% 70.0% 2.5 12.5 22.5 32.5 42.5 52.5 62.5 1H25 1H26 14.1 15.7 15.4 17.2 17.0 7.6 8.1 8.4 8.4 8.5 53.7% 51.4% 54.4% 49.0% 50.1% 20.0% 25.0% 30.0% 35.0% 40.0% 45.0% 50.0% 55.0% 60.0% 65.0% 70.0% 2.5 7.5 12.5 17.5 22.5 27.5 32.5 37.5 2Q25 3Q25 4Q25 1Q26 2Q26 Revenue Operating Expense C/I Ratio NT$bn 20 Taishin Bank - Cost Income Ratio
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2,455 2,886 2,593 2,690 2,712 25,018 22,619 23,645 23,148 24,400 1.26% 1.25% 1.27% 1.23% 1.24% 0.14% 0.15% 0.14% 0.14% 0.13% -5.00% -4.00% -3.00% -2.00% -1.00% 0.00% 1.00% 2.00% 1,000 2Q25 3Q25 4Q25 1Q26 2Q26 NPL (NT$mn) Reserve (NT$mn) Reserve-to-Loan Ratio (%) NPL (%) Coverage% 921.5% 922.6%819.4% 892.7% 907.0% 21 Taishin Bank - NPL and Coverage Note: NPL%, Coverage%, NPL amount, and Reserve amount exclude A/R.
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37% 38% 37% 38% 39% 41% 41% 41% 40% 39% 11% 11% 12% 12% 12% 0% 0% 0% 0% 0%1% 1% 1% 1% 1% 10% 9% 9% 9% 9% 2Q25 3Q25 4Q25 1Q26 2Q26 Unsecured Car Loans Credit Cards Other Consumer Loans Mortgages Corporate Loans Shin Kong Bank - Loan Mix Quarterly NIMLoan Mix (NT$bn) 877 893 898 914 944 22 1.53% 1.53% 1.56% 1.59% 1.59% 2Q25 3Q25 4Q25 1Q26 2Q26 Quarterly Interest Spread 1.18% 1.17% 1.21% 1.26% 1.23% 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ: +3.3% YoY: +7.7% LDR 75.5% 74.6% 75.1% 76.6% 78.2%
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2,154 2,461 3,087 1H24 1H25 1H26 23 Shin Kong Bank - Net Fee Income 66% 69% 71% 76% 77% 7% 6% 7% 7% 6% 18% 17% 16% 12% 12% 9% 8% 6% 5% 5% 1,232 1,284 1,317 1,483 1,604 2Q25 3Q25 4Q25 1Q26 2Q26 FX, Trust, & Others Loan Credit Card Wealth Management QoQ: +8.2% YoY: +30.2% Net Fee Income Breakdown (NT$mn) Net Fee Income by Year (NT$mn) +25.4%
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24 70% 61% 57% 65% 67% 21% 26% 29% 28% 23% 9% 13% 14% 7% 10% 810 881 940 1,131 1,237 2Q25 3Q25 4Q25 1Q26 2Q26 Structured Products & Securities Mutual Funds Bancassurance QoQ: +9.3% YoY: +52.6% Wealth Management Fee Breakdown (NT$mn) Wealth Management Fee by Year (NT$mn) 1,334 1,634 2,368 1H24 1H25 1H26 +44.9% Shin Kong Bank - Wealth Management Net Fee Income
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• Executive Summary • FHC Performance Highlights • Subsidiaries Performance Highlights 25 Agenda • Banking Business • Life Insurance Business • Securities Business
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18.1 21.4 1H25 1H26 38.5 50.5 12.7 21.8 0.0 0.0 4.2 3.9 1H25 1H26 Accident, Health, & Group Interest-Sensitive Annuity Investment-Linked Traditional 93.2 108.0 14.2 23.1 0.0 0.0 24.9 25.2 1H25 1H26 Accident, Health, & Group Interest-Sensitive Annuity Investment-Linked Traditional First Year Premium (NT$bn)Total Premium (NT$bn) 26 Shin Kong Life - Premium Breakdown 73.1% 70.7%FX policies % 156.3 +18% 132.4 Note: 1. Includes interest-sensitive life insurance. 2. Excludes investment-linked products. 3. 1H25 includes data from both Taishin Life and Shin Kong Life. 4. Totals may not add up exactly due to rounding. 76.2 55.5 1 1 2 +37% FYPE (NT$bn) 32.6% 28.1%FYPE/FYP +18%
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Shin Kong Life - CSM 27 New Business CSM by ProductMovement of CSM (NT$bn) CSM 1/1/26 CSM Release New Business CSM Others CSM 6/30/26 260.7 293.6 -9.5 35.1 7.2 Note: 1. Totals may not add up exactly due to rounding. 55.8% 43.3% 0.9% 0.0% Traditional Accident, Health, & Group Investment-Linked Interest Sensitive Annuity 1H26 NT$35.1bn
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3.2% 9.1% 15.2% 61.7% 1.4% 1.5% 7.8% Cash Domestic Equities Domestic Fixed Income Foregin Fixed Income Foreign Equities Loans Real Estate Foreign Fixed Income PortfolioTotal Investment (NT$bn) 28 Shin Kong Life - Investment Portfolio Foreign Fixed Income by Region Note: 1. Includes NTD-denominated bond ETFs. 2. Includes international bonds listed in domestic OTC. 3. Under IFRS 17, policy loans that meet the definition are deducted from insurance contract liabilities; therefore, “Loans” includes only policy loans related to investment contracts, and mortgage and corporate loans. 4. Due to rounding, asset allocation figures may not add up to 100%. 1 2 47.1% 22.5% 30.4% North America Europe Asia & Others 0.3% 19.0% 24.6%56.1% Others Government Bonds International Bonds Listed in Domestic OTC Corporate Bonds 3 1H26 NT$3,109.0bn
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3.34% 4.19% 2025 1H26 3.7% 2.3% 2025 1H26 Recurring Yield Before HedgingInvestment Return After Hedging Cost of Liability (COL) 29 Shin Kong Life - Investment Performance Note: 1. The 2025 figures include data from both Taishin Life and Shin Kong Life. Starting 2026, with the phase-out of the overlay approach, most equity holdings were reclassified to FVOCI. 1H26 investment return after hedging is presented on a post asset reclassification basis. 2. Includes OCI equity realized gains. 3. Asset-based COL. 4. The data of 2025 were under IFRS 4, whereas the number of 1H26 was prepared in accordance with IFRS 17. 1 4 1 4 3 4 2.66% 3.73% 2.12% 2025 1H26 5.85% 2 OCI equity realized gains
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Mix of Hedging Vehicles 30 Shin Kong Life - Hedging Strategy 32.2% 35.4% 2.1% 30.3% Equity & Fund FCY Policy Hedged Total=NT$2,058.5bn Unhedged NTD Policy Hedged 46.2% Unhedged 50.8% Equity & Fund 3.0% Note: 1. Hedged position includes CS and NDF. 2. Unhedged position includes USD and proxy. 3. The 2025 figure is based on the former Shin Kong Life’s portfolio and does not reflect the merger with Taishin Life. 4. Due to rounding, figures may not add up to 100%. 1 2 2.17% 1.22% 2025 1H26 103.5 108.5 1/1/2026 1H26 Hedging Costs FX Volatility Reserve (NT$bn) 3
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• Executive Summary • FHC Performance Highlights • Subsidiaries Performance Highlights 31 Agenda • Banking Business • Life Insurance Business • Securities Business
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(112) 7,464 1H25 1H26 32 Taishin Securities Total Revenue (NT$mn)5 Net Income (NT$mn)5 Business Segment 1H255 1H265 Market Share Ranking Market Share Ranking Brokerage1 5.1% 4 4.4% 6 Equity Underwriting2 17.4% 1 19.3% 1 Stock Transfer Agent3 12.9% 1 12.3% 2 3,469 6,745 1,073 399 1,726 7,536 6,268 14,680 1H25 1H26 Brokerage Underwriting Investment & Others 4 4 Note: 1. In terms of the brokerage transaction volume. 2. In terms of the number of IPO and SPO listings for equity underwriting. 3. In terms of the number of represented companies as stock transfer agent. 4. “Ranking” excludes foreign brokers. 5. 1H25 data reflects the pro forma combination of Taishin Securities and MasterLink Securities, while 1H26 data reflects the merged entity.
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APPENDIX 33
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• Established the Green Finance Principles • Identified climate risks and opportunities under the TCFD framework • Expanded ISO 14064 GHG Emissions Survey to all bank branches Climate Actions 34 2018 2030 2040 2050 • Signed the Equator Principles • Conducted real estate scenario analysis for wholesale banking 2019 • Complied with the Principles for Responsible Investment (PRI) and the Principles for Responsible Banking (PRB) • Established environmental and social risk management sector guidelines • Conducted scope 3 investment and financing carbon inventory 2020 • Initiated the setting of science-based targets • Joined the Taiwan Alliance for Net Zero Emission as a founding member • Conducted climate risk analysis on our own operational offices and suppliers 2021 2022 • Passed SBT Validation • Established the Taishin FHC TCFD task- force team • Added the Climate Risk Management Guidelines, including the list of high carbon emitting industries • Amended the risk management policy to include a climate risk appetite statement • Conducted climate change scenario analysis for the bank’s financing and investment positions • Established the “Decarbonization Commitment” (coal industry and unconventional oil & gas) • Taishin Securities published its first climate risk management report • Implemented the TNFD Framework for the first time and conducted disclosures based on the IFRS S2 framework • Revised the Climate and Nature Climate Risk Management Guidelines with sensitive industries to integrate climate and nature risk management 2023 2024 2025 • Complete global phase-out of coal business by 2030 • Complete global phase-out of unconventional oil and gas by 2040 • Target ratio of renewable energy electricity use: 100% • Became a member of the partnership for Carbon Accounting Financials (PCAF) • Published the first standalone TCFD report and achieved a TCFD conformity statement level 5: Excellence • Established a sustainable finance policy 否有更新，郵件主旨：
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World’s Top 1% in the banking sector in the S&P Global Sustainability Yearbook 2026 for 3 consecutive years 35 Engagement and Achievements in Global Sustainability Initiatives Selected in the Dow Jones Best-in- Class Indices (DJBIC) World and Emerging Markets for 8 consecutive years. Climate change rating on the “A List” in 2024、 2025 FTSE4Good FTSE Emerging Markets Index FTSE4Good TIP Taiwan ESG Index Received “ AAA” in MSCI ESG Ratings in 2026 Joined BCSD Taiwan and participated in the “Taiwan Nature Positive Initiative” in 2023 Participated in the Carbon Disclosure Project since 2015 Signed up to become a TCFD supporting organization in 2019 Became one of the founding members of the Taiwan Alliance for Net Zero Emission in 2021 Passed review of carbon reduction target by SBTi in 2022 Participated in the international advocacy organization PCAF in 2023 Excellent Performances in Sustainability Ratings Actively Respond to International Sustainability Initiatives Named among “World’s Most Sustainable Companies 2024, 2025” 2 consecutive years by TIME
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36 Balance Sheet of TS Holdings and its Subsidiaries as of June 30, 2026 NT$mn Taishin Bank (Consolidated) Shin Kong Bank Shin Kong Life (Consolidated) Taishin Securities (Consolidated) Others subsidiaries Holding & Other Adjustments TS Holding (Consolidated) Assets Cash & due from banks 178,606 106,323 91,797 21,624 1,232 (54,770) 344,812 Securities, net 935,871 355,680 2,812,571 116,559 4,869 20,609 4,246,159 Loans, net 1,992,241 931,711 45,396 - - (421) 2,968,927 A/R, net 198,244 15,109 48,058 208,531 1,182 (846) 470,278 Long-term investment, net 77 - 2,925 - 149 (144) 3,007 Land, premises, and equipment, net 20,202 5,496 41,677 4,006 235 12,661 84,277 Others 40,832 9,688 1,167,056 66,694 3,835 (10,765) 1,277,340 Total Assets 3,366,073 1,424,007 4,209,480 417,414 11,502 (33,676) 9,394,800 Liabilities Deposits 2,807,409 1,193,577 - - - (88,894) 3,912,092 Other Liabilities 343,704 146,628 3,805,845 367,944 2,673 102,304 4,769,098 Total Liabilities 3,151,113 1,340,205 3,805,845 367,944 2,673 13,410 8,681,190 Miniority interests 140 - 423 - - (115) 448 Total Stockholders' equity (incl. non-controlling) 214,960 83,802 403,635 49,470 8,829 (47,086) 713,610 Total liabilities and stockholders' equity 3,366,073 1,424,007 4,209,480 417,414 11,502 (33,676) 9,394,800
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Note: 1. Includes net profit (loss) of separated account insurance product assets, insurance finance income or expenses, and finance income or expenses of reinsurance contracts held. 2. Includes Shin Kong Life Insurance's foreign exchange reserve. 37 P&L of TS Holdings and its Subsidiaries for the Period Ended June 30, 2026 NT$mn Taishin Bank (Consolidated) Shin Kong Bank Shin Kong Life (Consolidated) Taishin Securities (Consolidated) Others subsidiaries Holding & Other Adjustments TS Holding (Consolidated) Operating income Net interest income 20,046 7,227 59,530 408 45 (591) 86,665 Net fee income 10,996 3,087 (214) 7,010 1,096 (5,041) 16,934 Insurance service result 1 - - 5,221 - - (24,804) (19,583) Long-term investment income 4 - 45 - 5 (5) 49 Net trading income (loss) & Derivatives & FX 3,059 1,971 (13,724) 7,252 227 (17) (1,232) Others income (loss) 2 139 120 (19,249) 41 296 23,964 5,311 Total operating income 34,244 12,405 31,609 14,711 1,669 (6,494) 88,144 Operating expenses (16,964) (5,793) (4,878) (6,472) (761) 1,485 (33,383) Credit loss provisions, net (2,505) (751) (8) (32) - (1) (3,297) Profit before income tax 14,775 5,861 26,723 8,207 908 (5,010) 51,464 Net profit after income tax 12,403 4,779 22,496 7,464 763 (4,072) 43,833
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Note: 1. Includes net profit (loss) of separated account insurance product assets, insurance finance income or expenses, and finance income or expenses of reinsurance contracts held. 2. Includes Shin Kong Life Insurance's foreign exchange reserve. 3. EPS has been retroactively adjusted for the 1.0% stock dividend issued in July 2026. 4. Common shares only. 5. The data from 2024 to 2025 were under IFRS 4, whereas the number of 1H26 was prepared in accordance with IFRS 17. 38 TS Holdings– Financial Summary (Consolidated) NT$mn, except for percentages Full-Year Comparison YTD Comparison Quarterly Comparison Income Statement Data 2024 2025 Change 1H25 1H26 Change 1Q26 2Q26 Change Interest income 86,934 150,424 73.0% 43,725 122,418 180.0% 60,095 62,323 3.7% Interest expense (52,007) (58,410) 12.3% (24,565) (35,753) 45.5% (17,552) (18,201) 3.7% Net interest income 34,927 92,014 163.4% 19,160 86,665 352.3% 42,543 44,122 3.7% Net fee income 11,654 11,085 -4.9% 5,142 16,934 229.3% 7,669 9,265 20.8% Insurance service result 1 1,094 (30,692) -2905.5% 6,565 (19,583) -398.3% (9,988) (9,595) -3.9% Other income 2 14,119 28,019 98.4% 1,663 4,128 148.2% 3,577 551 -84.6% Total revenue 61,794 100,426 62.5% 32,530 88,144 171.0% 43,801 44,343 1.2% Operating expense (36,943) (56,526) 53.0% (18,768) (33,383) 77.9% (16,615) (16,768) 0.9% Provisions, net (1,195) (2,643) 121.2% (1,181) (3,297) 179.2% (1,597) (1,700) 6.4% Net income before income tax 23,656 41,257 74.4% 12,581 51,464 309.1% 25,589 25,875 1.1% Tax expense (3,591) (3,896) 8.5% (2,359) (7,631) 223.5% (4,532) (3,099) -31.6% Net income after tax 20,065 37,361 86.2% 10,222 43,833 328.8% 21,057 22,776 8.2% Net income to parent company 20,064 37,327 86.0% 10,223 43,797 328.4% 21,041 22,756 8.2% Net income to non-controlling interests 1 34 3300.0% (1) 36 3700.0% 16 20 25.0% Net income 20,065 37,361 86.2% 10,222 43,833 328.8% 21,057 22,776 8.2% EPS (NT$) 3 1.38 1.89 37.0% 0.71 1.69 140.4% 0.81 0.88 8.6% Balance Sheet Data Total assets 3,290,705 8,775,492 166.7% 3,394,189 9,394,800 176.8% 9,064,709 9,394,800 3.6% Shareholders' equity (incl. non-controlling) 228,885 484,104 111.5% 212,479 713,610 235.8% 599,198 713,610 19.1% Shareholders' equity-common stock 181,673 422,659 132.6% 166,266 653,397 293.0% 537,091 653,397 21.7% Summary Ratios Equity/Assets 6.96% 5.52% -20.7% 6.26% 7.60% 21.4% 6.61% 7.60% 15.0% Return on average assets 0.63% 0.62% -3.2% Return on average equity 4 10.31% 11.52% 11.8% CAR 138.8% 111.1% 132.7% %
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Note: 1. Gains on collection of nonperforming loans figures are adjusted to include provision for credit losses from 2012 for auditing bases. 2. “Gross loan” excludes credit card revolving and factoring NR but includes overdue loans. 3. “Deposits” excludes postal deposits and interbank deposits but includes remittances. 4. Return on equity (ROE) is calculated as income after tax (annualized) divided by average net equity for auditing bases. 5. Stand-alone basis. 39 Taishin Bank – Financial Summary NT$mn, except for percentages Full-Year Comparison YTD Comparison Quarterly Comparison Income Statement Data 2024 2025 Change 1H25 1H26 Change 1Q26 2Q26 Change Interest income 80,300 81,280 1.2% 39,892 43,792 9.8% 21,000 22,792 8.5% Interest expense (50,921) (47,412) -6.9% (24,067) (23,745) -1.3% (11,184) (12,561) 12.3% Net interest income 29,379 33,868 15.3% 15,825 20,047 26.7% 9,816 10,231 4.2% Net fee income 14,573 17,095 17.3% 8,331 10,996 32.0% 5,703 5,293 -7.2% Other income 1 9,128 8,519 -6.7% 4,232 3,201 -24.4% 1,682 1,519 -9.7% Total revenue 53,080 59,482 12.1% 28,388 34,244 20.6% 17,201 17,043 -0.9% Operating expense (29,747) (31,552) 6.1% (15,112) (16,964) 12.3% (8,421) (8,543) 1.4% Provision for credit losses 1 (1,194) (1,890) 58.3% (1,180) (2,505) 112.3% (1,183) (1,322) 11.7% Net income before tax 22,139 26,040 17.6% 12,097 14,775 22.1% 7,597 7,178 -5.5% Net income after tax 18,510 21,394 15.6% 9,862 12,403 25.8% 6,349 6,054 -4.6% Balance sheet data Gross loan 2 1,674,782 1,817,050 8.5% 1,800,478 2,018,300 12.1% 1,980,589 2,018,300 1.9% Credit revolving loans 10,952 11,315 3.3% 10,906 11,248 3.1% 11,065 11,248 1.7% NPL 2,199 2,593 17.9% 2,455 2,712 10.5% 2,690 2,712 0.8% Allowance for loan losses 21,675 23,148 6.8% 22,619 25,018 10.6% 24,400 25,018 2.5% Total assets 2,862,729 3,019,202 5.5% 2,970,974 3,366,073 13.3% 3,267,701 3,366,073 3.0% Deposits 3 2,347,821 2,487,250 5.9% 2,420,533 2,807,409 16.0% 2,631,439 2,807,409 6.7% Total shareholders' equity 204,274 214,463 5.0% 201,443 214,960 6.7% 221,156 214,960 -2.8% Summary ratios Net fee income / Total revenue 27.5% 28.7% 29.3% 32.1% 33.2% 31.1% Cost-to-Income ratio 56.0% 53.0% 53.2% 49.5% 49.0% 50.1% NPLs / Gross loans 0.13% 0.14% 0.14% 0.13% 0.14% 0.13% Allowance / Gross loans 1.29% 1.27% 1.26% 1.24% 1.23% 1.24% Allowance / NPLs 985.59% 892.70% 921.53% 922.63% 907.04% 922.63% Return on average assets (annualized) 0.67% 0.73% 0.68% 0.78% 0.81% 0.76% Return on average equity (annualized) 4 9.38% 10.22% 9.72% 11.55% 11.64% 11.28% BIS ratio5 15.52% 15.38% 14.62% 13.65% 14.41% 13.65% Tier 1 ratio5 13.61% 13.64% 12.78% 11.98% 12.71% 11.98% 此頁簡報請參考陳昱峰，
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Note: 1. Including postal deposits. 2. Outstanding balance. 40 Taishin Bank – Deposit Mix NT$bn 2Q25 3Q25 4Q25 1Q26 2Q26 % QoQ YoY Current Deposits 1,160.1 1,238.1 1,270.9 1,348.0 1,423.0 50.6% 5.6% 22.7% • Checking 11.7 12.1 13.9 11.5 12.4 0.4% 7.2% 6.2% • Demand 258.0 263.7 279.1 296.5 335.4 11.9% 13.1% 30.0% • Current Savings 680.0 723.2 719.8 745.8 768.5 27.3% 3.0% 13.0% • Foreign Currency 210.5 239.2 258.1 294.2 306.7 10.9% 4.3% 45.7% - Time Deposits 1,264.8 1,271.9 1,220.9 1,288.1 1,387.6 49.4% 7.7% 9.7% • Time 341.3 329.5 302.8 296.8 359.3 12.8% 21.1% 5.3% • Time Savings 405.2 416.3 423.2 424.1 422.4 15.0% -0.4% 4.2% • Interbank1 6.7 6.7 6.7 6.7 6.7 0.2% 0.0% -0.1% • Foreign Currency 511.5 519.4 488.2 560.4 599.2 21.3% 6.9% 17.1% Total Deposits (excl. structured deposit) 2,424.9 2,510.1 2,491.8 2,636.1 2,810.6 100.0% 6.6% 15.9% Total Deposits (incl. structured deposit) 2,520.7 2,610.4 2,592.2 2,736.7 2,913.3 6.5% 15.6%
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Note: 1. “Unsecured loans” includes cash cards, credit card revolving & loan products, and personal lending. 41 Taishin Bank – Loan Mix NT$bn 2Q25 3Q25 4Q25 1Q26 2Q26 % QoQ YoY Corporate Loans 837.9 902.8 816.5 953.0 967.5 47.7% 1.5% 15.5% Consumer Loans 971.6 993.6 1,009.8 1,036.4 1,059.7 52.3% 2.3% 9.1% • First Mortgage 415.7 418.2 415.9 421.8 425.9 21.0% 1.0% 2.4% • Home Equity 330.6 339.0 346.0 355.8 364.0 18.0% 2.3% 10.1% • Unsecured Loans1 124.4 128.0 132.8 137.0 143.2 7.1% 4.6% 15.1% - Good Bank 124.3 127.9 132.7 136.9 143.1 7.1% 4.6% 15.2% - Bad Bank 0.1 0.1 0.1 0.1 0.1 0.0% -6.9% -23.5% • Other Consumer Loans 100.8 108.4 115.1 121.8 126.6 6.2% 4.0% 25.6% - Auto Loan 63.3 65.2 69.6 71.6 73.3 3.6% 2.4% 15.8% - Second Mortgage 7.0 7.6 7.9 7.9 7.8 0.4% -2.2% 10.3% - Others 30.5 35.7 37.6 42.2 45.6 2.2% 7.9% 49.5% Total Loans 1,809.5 1,896.5 1,826.2 1,989.4 2,027.3 100.0% 1.9% 12.0%
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Note: 1. NPL for corporate loan and overall consumer loan excludes AR. 2. NPL calculation is NPL / (total loan + overdue loan). 3. IDRP monthly default rate is calculated as (current month default OS / last month pay). Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Corporate Loan 1 NPL % 2 0.04% 0.07% 0.07% 0.07% 0.07% Consumer Loan 1 NPL % 2 0.22% 0.23% 0.20% 0.20% 0.20% - First Mortgage Loan NPL % 0.11% 0.12% 0.08% 0.07% 0.08% Consumer Unsecured IDRP Default % 3 0.00% 0.00% 0.00% 0.00% 0.00% NPL % 6.60% 5.96% 6.09% 5.08% 4.53% 42 Taishin Bank – NPL Ratios by Loan Book請找法 請找個
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Note: 1. Excludes credit cards but includes overdue receivables. 43 Shin Kong Bank – Financial Summary NT$mn, except for percentages Full-Year Comparison YTD Comparison Quarterly Comparison Income Statement Data 2024 2025 Change 1H25 1H26 Change 1Q26 2Q26 Change Interest income 31,983 32,658 2.1% 16,229 17,047 5.0% 8,488 8,559 0.8% Interest expense (17,951) (18,410) 2.6% (9,219) (9,819) 6.5% (4,892) (4,927) 0.7% Net interest income 14,032 14,248 1.5% 7,010 7,227 3.1% 3,596 3,632 1.0% Net fee income 4,576 5,061 10.6% 2,461 3,087 25.4% 1,483 1,604 8.2% Other income 2,836 3,100 9.3% 1,217 2,091 71.8% 966 1,125 16.5% Total revenue 21,444 22,410 4.5% 10,687 12,405 16.1% 6,044 6,361 5.2% Operating expense (11,200) (13,819) 23.4% (8,014) (5,793) -27.7% (2,891) (2,903) 0.4% Provision expense (1,301) (1,406) 8.1% (498) (751) 50.8% (377) (373) -1.1% Income tax (expense) benefit (1,726) (1,242) -28.1% (391) (1,082) 176.5% (539) (543) 0.8% Net income after tax 7,216 5,942 -17.6% 1,785 4,779 167.8% 2,237 2,542 13.6% Balance sheet data Total loan 1 843,521 885,235 4.9% 865,130 931,711 7.7% 901,590 931,711 3.3% NPL 1,011 1,098 8.6% 1,045 1,204 15.2% 1,167 1,204 3.1% Allowance for loan losses 10,989 11,538 5.0% 10,894 12,012 10.3% 11,749 12,012 2.2% Total assets 1,321,893 1,386,668 4.9% 1,354,050 1,424,007 5.2% 1,399,659 1,424,007 1.7% Deposits 1,121,999 1,180,535 5.2% 1,147,224 1,193,577 4.0% 1,179,843 1,193,577 1.2% Total shareholders' equity 77,615 82,033 5.7% 76,538 83,802 9.5% 83,171 83,802 0.8% Summary ratios Net fee income / Total revenue 21.3% 22.6% 23.0% 24.9% 24.5% 25.2% Cost-to-Income ratio 52.1% 61.7% 74.9% 46.7% 47.8% 45.6% Net interest margin 1.23% 1.19% 1.19% 1.24% 1.26% 1.23% Net interest spread 1.57% 1.53% 1.52% 1.59% 1.59% 1.59% NPLs / Total loans 0.12% 0.12% 0.12% 0.13% 0.13% 0.13% Allowance / Total loans 1.30% 1.30% 1.3% 1.3% 1.30% 1.3% Allowance / NPLs 1086.63% 1051.05% 1042.06% 997.97% 1006.84% 997.97% Return on average assets (unannualized) 0.56% 0.44% 0.13% 0.34% 0.16% 0.18% Return on average equity (unannualized) 9.46% 7.44% 2.32% 5.76% 2.71% 3.07% BIS ratio 15.12% 15.01% 14.74% 14.24% 14.84% 14.24% Tier 1 ratio 13.00% 13.11% 12.74% 12.41% 12.97% 12.41%
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Shin Kong Life – Financial Summary 44 IFRS 4 P&L Full-Year Comparison NT$mn, except for percentages 2024 2025 Change Retained earned premium 36,296 52,178 43.8% Retained claims and policyholders' benefits (10,394) (11,030) 6.1% Change in liabilities reserves (25,658) (34,345) 33.9% Commission expense (8,083) (11,955) 47.9% Total investment 10,137 8,846 -12.7% Others 1,229 1,324 7.7% Operating expense (2,708) (3,110) 14.8% Income before income tax 819 1,908 133.0% Net income 1,239 2,059 66.1% Balance Sheet NT$mn, except for percentages 2024 2025 Change General account 278,369 310,742 11.6% Separate account 44,368 69,841 57.4% Total assets 322,737 380,583 17.9% Reserves for life insurance liabilities 248,694 282,021 13.4% Other liabilities 50,273 75,475 50.1% Total liabilities 298,967 357,495 19.6% Total stockholders' equity 23,770 23,088 -2.9% Total liabilities and stockholders' equity 322,737 380,583 17.9% RBC Ratio 349% 421% IFRS 17 P&L 1Q26 2Q26 Change 1H26 NT$mn, except for percentages CSM and RA release 5,366 5,655 5.4% 11,021 Operating variance 1,020 628 -38.4% 1,648 Others 1,187 194 -83.6% 1,381 Insurance service result 7,572 6,478 -14.5% 14,050 Investment income 32,070 43,300 35.0% 75,370 Insurance finance income or expenses and others (22,849) (34,657) 51.7% (57,506) Financial result 9,221 8,642 -6.3% 17,864 Other operating result (2,041) (3,212) 57.4% (5,253) Non-operating income and expenses (45) 107 -337.9% 62 Income taxes (2,831) (1,396) -50.7% (4,227) Net income 11,878 10,618 -10.6% 22,496 Other comprehensive income (loss), after tax 38,308 110,831 189.3% 149,139 Total comprehensive income (loss) 50,186 121,449 142.0% 171,635 Balance Sheet NT$mn, except for percentages 1Q26 2Q26 Change 1H26 Total assets 4,087,356 4,209,480 3.0% 4,209,480 Total stockholders' equity 282,241 403,635 43.0% 403,635 1 Note: 1. Data from former Taishin Life.
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45 Taishin Securities – Financial Summary NT$mn, except for percentages Income Statement Data Full-Year Comparison YTD Comparison Quarterly Comparison 2024 2025 Change 1H25 1H26 Change 1Q26 2Q26 Change Net interest income 390 436 11.79% 188 404 114.9% 100 233 133.0% Net fee income 3,576 3,753 4.95% 1,585 7,008 342.2% 1,342 4,147 209.0% Brokerage income 3,109 3,086 (0.74%) 1,306 6,745 416.4% 1,245 3,970 219.0% Other income 1,873 1,730 (7.63%) 384 7,268 1792.3% 1,412 3,769 166.9% Total revenue 5,840 5,919 1.35% 2,157 14,680 580.6% 2,854 8,148 185.5% Operating expense (3,187) (3,224) 1.16% (1,523) (6,472) 325.0% (1,177) (3,358) 185.3% Net profit before income tax 2,653 2,694 1.55% 634 8,207 1194.9% 1,677 4,790 185.6% Tax expense (294) (249) (15.31%) (139) (743) 435.7% (108) (414) 283.3% Net income 2,360 2,445 3.60% 495 7,464 1407.8% 1,569 4,376 178.9% EPS (NT$) 3.41 3.53 3.52% 0.71 2.98 316.7% 2.27 1.75 (22.9%) Balance Sheet Data Total assets 71,578 81,740 14.20% 68,780 417,414 506.9% 97,324 417,414 328.9% Shareholders' equity 11,932 12,672 6.20% 10,736 49,470 360.8% 14,224 49,470 247.8% Summary Ratios Equity/Assets 16.67% 15.50% 15.61% 11.85% 14.61% 11.85% Return on average assets 3.53% 3.19% 1.41% 4.26% 7.01% 5.00% Return on average equity 20.71% 19.88% 8.74% 31.22% 46.66% 36.61% Capital adequacy ratio 281% 256% 237% 318% 318% Note: 1. Data for 1Q26 and prior reflects Taishin Securities only, while 1H26 data reflects the merged entity.