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CTBC Financial Holding Company 2Q 2026 Financial Results Aug 18th, 2026 Investor Relations
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© CTBC Financial Holding 2 DISCLAIMER This presentation was prepared by CTBC Financial Holding (the “Company”). No representation or warranty, express or implied, is made as to the fairness, accuracy, or completeness of this presentation and the information contained herein. In addition, the Company does not undertake any obligation to publicly update or revise the information contained herein, whether as a result of new information or future events. The financial information in this presentation is preliminary and subject to audit or review by the Company’s auditors. Furthermore, this presentation may include forward-looking statements regarding the Company’s future operation or financial condition. Such forward-looking statements are subject to the Company's assumptions and expectations in light of currently available information and involve known and unknown risks, uncertainties, and other factors. Accordingly, the Company’s actual performance results may substantially differ from those expressed or implied herein. Nothing in this presentation should be construed as either an offer to sell or a solicitation of an offer to buy or sell any securities of the Company.
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CTBC FHC
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© CTBC Financial Holding ◼ NT$10.3bn net profit (+42% YoY) ◼ FYPs grew 139% YoY ◼ IFRS 17 implementation and NT$177bn CSM support long-term earnings ◼ NT$39.5bn record profit (+10% YoY) ◼ Total comprehensive income reached NT$251.5bn, driven by FVOCI equity gains from Taiwan Life ◼ Holding’s shareholders’ equity increased 59.5% YoY; ROE reached 13.5% ◼ NT$31.2bn record profit (+12% YoY) ◼ Strong NII growth (+23.8% YoY), solid fee income growth (+25.9% YoY), and sustained loan growth momentum (+17.5% YoY) ◼ Asset quality remained resilient ◼ +188% YoY profit growth ◼ Benefiting from strong capital market activity ◼ Profit contribution increased to 11% of the Holding's profits, creating an additional growth engine beyond banking and insurance CTBC Holding CTBC Bank Taiwan Life Other subsidiaries CTBC Holding’s 1H26 highlights 4 Balanced earnings growth driven by banking leadership, insurance transformation, and diversified revenue streams
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© CTBC Financial Holding Net profit 35,841 Net profit 39,537 Total comprehensive income 4,481 Total comprehensive income 251,512 6M25 6M26 54,205 31,279 56,081 72,028 80,619 2021 2022 2023 2024 2025 1.78 1.96 6M25 6M26 CTBC Holding’s numbers are presented on a consolidated basis. 1. 6M26 numbers are preliminary. Net profit YoY +10.3% 1 2.73 1.55 2.82 3.64 4.08 1.25 1.00 1.80 2.30 2.50 2021 2022 2023 2024 2025 EPS DPS YoY +10.1% 1 Dividend payout ratio 2021 2022 2023 2024 2025 45.8% 64.5% 63.8% 63.2% 61.3% Consolidated net profit (NT$ mn) EPS/DPS (NT$) CTBC Holding’s profit hits record high 5 Record earnings reflect solid profitability momentum
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© CTBC Financial Holding 6 CTBC Holding’s equity & OCI movement Increases in shareholders’ equity driven by FVOCI gains Shareholders’ equity3 (NT$ mn) Other comprehensive income3 (NT$ mn) 442,621 518,343 705,939 Jun 25 Dec 25 Jun 26 1 CTBC Holding’s numbers are presented on a consolidated basis. 1. Jun 26/6M26 numbers are preliminary. 2. Book value per share numbers are calculated based on common equity 3. Excluding minority interests 6M26 6M25 YoY chg. OCI 211,974 (31,360) 243,334 Insurance finance income or expenses 36,298 0 36,298 Gains (losses) on financial instruments 186,358 (21,898) 208,256 -FVOCI-equity 196,141 (31,119) 227,260 -FVOCI-fixed income (9,783) 9,220 (19,003) Others (10,682) (9,462) (1,220) Equity YoY +59.5% YTD +36.2% IFRS 17 1 BVPS NT$ 21.0 NT$ 24.8 NT$ 34.4 Book value per share2 Jun 25 Dec 25 Jun 26 NT$ 21.0 NT$ 24.8 NT$ 34.4
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© CTBC Financial Holding 13.70% 8.16% 14.64% 16.39% 16.88% 2021 2022 2023 2024 2025 CTBC Holding TW FHCs avg. 0.83% 0.83% 6M25 6M26 CTBC Holding’s numbers are presented on a consolidated basis. 1. 6M26 numbers are preliminary. 0.79% 0.44% 0.72% 0.86% 0.91% 2021 2022 2023 2024 2025 CTBC Holding TW FHCs avg. 16.29% 13.53% 6M25 6M26 1 1 ROA (%) ROE (%) CTBC Holding’s ROE & ROA 7 ROA remained stable amid a growing equity base
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© CTBC Financial Holding 11.1% 10.7% 11.2% 11.1% 10.0% 9.0% 9.0% 2022 2023 2024 2025 Jun 26 CET1 ratio Regulatory requirement for D-SIBs - consolidated 275% 305% 328% 359% 125%200% 100% 2022 2023 2024 2025 Jun 26 RBC Regulatory requirement 118.5% 119.0% 122.7% 125.1% 112.5% 100% 100% 2022 2023 2024 2025 Mar 26 CAR Regulatory requirement CTBC Holding’s numbers are presented on a consolidated basis. 1. Holding’s Jun 26 capital adequacy ratio remains subject to updates in life insurance TIS parameters; accordingly, only the Mar 26 ratio is disclosed at this time. 2. Jun 26 numbers are preliminary. 3. Regulatory requirement for D-SIBs for 2026 on CAR and CET1 is 14.5% and 11.0%, respectively, on a standalone basis. 1 14.1% 13.5% 13.9% 14.6% 13.6% 12.5% 12.5% 2022 2023 2024 2025 Jun 26 CAR Regulatory requirement for D-SIBs - consolidated 2 2 2 2 CTBC Holding’s CAR (%) Taiwan Life’s RBC / TIS ratio (%) CTBC Bank’s consolidated CAR2 (%) CTBC Bank’s consolidated CET1 ratio (%) CTBC Holding’s solid capitalization TIS 8 Healthy capital levels support sustainable growth and resilience 待更新 待更新
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© CTBC Financial Holding 77% 13% 10% Bank Life Others 67% 22% 11% Bank Life Others 14,592 2,524 1,943 16,434 -2,626 Bank 2Q26 Life Other subsidiaries Holding CTBC Holding 2Q26 2 CTBC Holding’s numbers are presented on a consolidated basis. 1. 2Q26/6M26 numbers are preliminary. 2. Life’s numbers are presented on a consolidated basis. Taiwan Life implemented IFRS 17 and IFRS 15 starting 2026. 6M25 financial numbers are not adjusted retrospectively. 3. Other subsidiaries include CTBC Securities, CTBC Venture Capital, CTBC Asset Management, Taiwan Lottery, CTBC Investments, and CTBC Finance. 4. Holding (on a non-consolidated basis) is an adjustment item for compiling consolidated statement. 1 4 1 3 QoQ -12.0% QoQ -28.9%QoQ -67.4% QoQ -36.9% YoY +12.3% YoY +188.5% YoY +10.3% 2Q26 net profit mix 3 CTBC Holding’s net profit breakdown by entity CTBC Holding’s net profit breakdown by entity (NT$ mn) CTBC Holding’s net profit mix (%) YoY +42.4% 9 Diversified earnings mix provides stability through market cycles 31,178 10,276 5,022 39,537 -6,939 Bank 6M26 Life Other subsidiaries Holding CTBC Holding 6M26 2 1 4 1 3 6M26 net profit mix 3
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CTBC Bank
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© CTBC Financial Holding 14.20% 13.94% 6M25 6M26 27,763 31,178 6M25 6M26 9.47% 11.35% 11.89% 13.15% 13.89% 2021 2022 2023 2024 2025 These numbers are presented on CTBC Bank consolidated basis. 1. 6M26 numbers are preliminary. 29,796 37,142 41,333 49,424 57,298 2021 2022 2023 2024 2025 YoY +12.3% 1 YoY -0.26ppt 1 CTBC Bank’s net profit (NT$ mn) CTBC Bank’s ROE (%) CTBC Bank’s profit leading TW banks 11 Taiwan's leading banking franchise continues to deliver record profitability
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© CTBC Financial Holding 15% 7% 32% 36% 53% 57% 6M25 6M26 NII Fee Trading & others 22,459 12,199 7,242 24,629 14,189 4,600 25,880 13,779 5,485 26,954 17,977 3,073 27,878 16,287 3,681 Net interest income Fee income Trading & others 2Q25 3Q25 4Q25 1Q26 2Q26 These numbers are presented on CTBC Bank consolidated basis. 1. 2Q26/6M26 numbers are preliminary. 1 1 Revenue84,169 95,850 QoQ +3.4% YoY +23.8% QoQ -9.4% YoY +25.9% QoQ +19.8% YoY -46.7% QoQ -0.3% YoY +13.9% CTBC Bank’s revenue breakdown (NT$ mn) CTBC Bank’s revenue mix (%) CTBC Bank’s revenue breakdown 12 Strong NII and fee income growth drive recurring revenue expansion
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© CTBC Financial Holding 1,086 1,390 1,268 300 1,058 1,431 1,330 308 1,029 1,507 1,393 317 1,150 1,583 1,446 323 1,245 1,643 1,521 342 Corporate NTD loan FCY loan Mortgages Unsecured & others 2Q25 3Q25 4Q25 1Q26 2Q26 7% 7% 31% 32% 34% 35% 27% 26% Jun 25 Jun 26 Corporate NTD loan FCY loan Mortgages Unsecured & others Total lending These numbers are presented on CTBC Bank consolidated basis. 1. FC Loan includes non-accrual loans. 2. Unsecured & other loans include unsecured consumer, credit card revolving, and NTD non-accrual loans. 3. 2Q26/Jun 26 numbers are preliminary. 4. Total lending portfolio includes performing loans, credit card revolving balance, and non-accrual loans. 3 3 1 1 2 4,750 4 2 4,043 QoQ +8.3% YoY +14.7% QoQ +3.8% YoY +18.2% QoQ +5.8% YoY +13.9% QoQ +5.2% YoY +19.9% QoQ +5.5% YoY +17.5% Excl. FX QoQ +4.9% YoY +15.2% Excl. FX QoQ +5.9% YoY +16.4% Lending breakdown (incl. credit card revolving, NT$ bn) Lending mix (%) CTBC Bank’s lending portfolio breakdown 13 Balanced loan growth underpinned by diversified business demand
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© CTBC Financial Holding These numbers are presented on CTBC Bank’s consolidated basis. Percentages may not total 100% due to rounding. 1. FC Loan breakdown includes non-accrual loans and excludes an elimination item. GC: Greater China (China, HK); SEA: Southeast Asia (Singapore, Indonesia, Philippines, Thailand, Vietnam, India); NA: North America (US, Canada); JP: Japan 2. Jun 26 numbers are preliminary. 1, 2 1, 2 1, 2 1, 2 OBU+DBU 14.9% Overseas branches 33.5% Other subsidiaries 13.1% Tokyo Star Bank 21.0% LHFG 17.5% 793 443 164 854 554 247 Overseas subsidiaries Overseas branches OBU+DBU Jun 25 Jun 26 YoY +7.7% YoY +7.9% YoY +18.6% YoY +25.2% YoY +41.8% YoY +51.0% 190 454 180 412 164218 558 209 423 247 GC SEA NA JP OBU+DBU Jun 25 Jun 26 YoY +5.4% YoY +23.0% YoY +15.7% YoY +51.0% YoY +18.3% YoY +15.2% YoY +8.8% YoY +2.7% YoY +8.6% YoY +41.8% FCY loan breakdown by entity1, 2 (%) FCY loan growth by entity1, 2 (NT$ bn) FCY loan breakdown by region1, 2 (%) FCY loan growth by region1, 2 (NT$ bn) Excl. FX OBU+DBU 14.9% GC 13.2% SEA 33.7% NA 12.6% JP 25.6% CTBC Bank’s FCY loan breakdown 14 Regional diversification supports overseas business expansion
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© CTBC Financial Holding 1,395 1,455 1,482 1,484 1,610 874 939 954 983 1,039 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Saving Time QoQ +7.4% YoY +16.7% 3 39.2% 60.8% 39.8% 60.2% 1,316 1,278 1,295 1,345 1,478 1,838 1,933 1,948 2,031 2,101 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Saving Time 58.7% 41.3% 3 60.2% 39.8% 2,269 2,394 2,436 2,467 2,648 3,155 3,211 3,243 3,376 3,580 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 NTD Deposit FCY Deposit QoQ +6.6% YoY +14.8% QoQ +6.0% YoY +13.5% These numbers are presented on CTBC Bank’s consolidated basis. 1. Total deposits include remittances. 2. FCY saving & time deposits exclude elimination items. 3. Jun 26 numbers are preliminary. 3 5,845 1 1 5,425 5,681 2 5,607 (57.5%) (42.5%) (57.8%) (42.2%) 6,230 Total deposits1, NTD, and FCY deposits (NT$ bn, %) NTD deposits (NT$ bn, %) FCY deposits2 (NT$ bn, %) CTBC Bank’s deposit mix 15 Stable deposit growth supported by a diversified and well-balanced funding mix
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© CTBC Financial Holding 76.09% 75.19% 75.39% 76.41% 77.09% Overall LDR 85.10% 85.11% 85.93% 85.82% 87.40% 63.39% 61.45% 61.37% 63.63% 62.97% Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 NTD LDR FCY LDR These numbers are presented on CTBC Bank consolidated basis. 1. Use average balance to calculate LDR; credit card account receivables are included in the calculation of CTBC Bank’s LDR. 2. Loans include both performing and non-accrual loans; deposits are adjusted to exclude structured deposits and remittances. 3. Jun 26 numbers are preliminary. 3 2 22 Overall LDR1 (%) CTBC Bank’s LDR 16 Prudent loan growth supported by a healthy funding profile
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© CTBC Financial Holding 1.49% 1.67% 6M25 6M26 1.77% 1.81% 1.84% 1.84% 1.79% 2.35% 2.30% 2.38% 2.36% 2.28% 2Q25 3Q25 4Q25 1Q26 2Q26 NTD spread FCY spread 1.90% 1.90% 1.96% 1.97% 1.89% 1.34% 1.35% 1.37% 1.36% 2Q25 3Q25 4Q25 1Q26 2Q26 Overall spread Industry average 11.50% 1.59% 1.64% 1.68% 1.65% 2Q25 3Q25 4Q25 1Q26 2Q26 These numbers are presented on CTBC Bank consolidated basis. 1. 2Q26/6M26 numbers are preliminary. 11 1 6M26 Pro-forma NIM (incl. SWAP) 1.70% NIM (%) Overall spread vs. industry (%) NTD & FX spread (%) CTBC Bank’s NIM and spreads 17 Industry-leading spreads support resilient margin performance
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© CTBC Financial Holding 5,876 1,876 902 1,935 570 1,040 7,671 1,871 930 2,108 596 1,014 7,805 2,087 924 1,238 686 1,039 8,054 2,065 928 2,728 702 3,500 9,486 1,913 913 2,110 728 1,136 Wealth mgmt. Credit cards Retail business Corporate business Overseas subsidiaries Lottery 2Q25 3Q25 4Q25 1Q26 2Q26 16% 14% 4% 4% 15% 14% 7% 5% 14% 12% 45% 51% 6M25 6M26 Wealth mgmt. Credit cards Retail business Corporate business Overseas subsidiaries Lottery CTBC Bank’s numbers are presented on a consolidated basis. 1. Corporate business excludes overseas subsidiaries. 2. 2Q26/6M26 numbers are preliminary. 1 2 2 Total fees27,223 34,265 QoQ -7.4% YoY +7.8% QoQ -1.6% YoY +3.9% QoQ +3.7% YoY +28.2% QoQ -22.7% YoY +19.2% QoQ +17.8% YoY +43.9% QoQ -9.4% YoY +25.9% QoQ -67.5% YoY +5.4% CTBC Bank’s fee income breakdown (NT$ mn) CTBC Bank’s fee income mix (%) CTBC Bank’s fee breakdown 18 Wealth management remains a key fee income driver
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© CTBC Financial Holding 53% 46% 43% 46% 38% 26% 27% 32% 36% 36% 5% 4% 5% 5% 5% 16% 23% 21% 12% 21% 2Q25 3Q25 4Q25 1Q26 2Q26 5,876 9,4868,054 50% 42% 30% 36% 5% 5% 14% 17% 6M25 6M26 Bond & others Custodian & trust Mutual fund Bancassurance 17,54012,189 1. 2Q26/6M26 numbers are preliminary. 1 7,8057,671 1 Total WM fees Quarterly WM fee breakdown (NT$ mn, %) YTD WM fee breakdown (NT$ mn, %) CTBC Bank’s wealth management fee 19 Strong wealth management momentum supports sustained fee income growth
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© CTBC Financial Holding 51.9% 50.7% 84,169 95,850 43,721 48,633 6M25 6M26 51.8% 50.7% 54.0% 50.7% 50.8% Cost-to-income ratio 1. Cost-to-income ratio = (total non-interest expense)/(pre-provision operating revenue) 2. 2Q26/6M26 numbers are preliminary. 2 41,900 43,418 45,143 48,004 47,845 21,688 21,995 24,371 24,348 24,285 2Q25 3Q25 4Q25 1Q26 2Q26 Revenue Non-interest expense 2 Quarterly CI ratio1, revenue & non-interest expense (NT$ mn, %) YTD trend (NT$ mn, %) CTBC Bank’s cost-to-income ratio 20 Improved cost efficiency supports earnings growth
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© CTBC Financial Holding 5,924 8,703 6M25 6M26 2,658 3,552 2,380 3,103 5,600 2Q25 3Q25 4Q25 1Q26 2Q26 Provisions 0.26% 0.34% 0.22% 0.28% 0.48% 0.29% 0.38% Credit costs 324.2% 329.6% 312.9% 297.8% 280.5% NPL coverage ratio 0.48% 0.48% 0.50% 0.51% 0.54% Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 NPL ratio 2 22 These numbers are presented on CTBC Bank consolidated basis. 1. NPL refers to loans over 90 days overdue. 2. Jun 26/2Q26/6M26 numbers are preliminary. NPL ratio1 & NPL coverage ratio (%) Provisions & credit costs (NT$ mn, %) CTBC Bank’s asset quality 21 Healthy asset quality supports earnings resilience
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Taiwan Life
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© CTBC Financial Holding 9.30% 8.01% 6M25 6M26 15.35% -2.66% 10.52% 14.07% 12.24% 2021 2022 2023 2024 2025 Covid policy loss 1. 6M26 numbers are preliminary. Taiwan Life implemented IFRS 17 and IFRS 15 starting 2026. 2. 2022 net loss is NT$3.4bn and reported ROE is -2.66%; 2022 pro-forma net income is NT$15.7bn and ROE is 12.27% excluding Covid policy loss. 23,131 -3,407 12,380 21,474 20,850 2021 2022 2023 2024 2025 2 Covid policy loss (19,136) Pro-forma 15,729 2 Pro-forma 12.27% Taiwan Life’s net profit (NT$ mn) Taiwan Life’s ROE (%) Taiwan Life’s net profit and ROE 23 Net profit 7,216 Net profit 10,276 Total comprehensive income -16,335 Total comprehensive income 188,962 6M25 6M26 1 1 IFRS 17 transition enhances long-term earnings visibility Net profit YoY +42.4%
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© CTBC Financial Holding 164,379 7,367 11,949 177,027 -6,668 Beginning CSM balance New CSM Others CSM released to P&L Ending CSM balance Taiwan Life – Movements of CSM Movements of CSM1 (NT$ mn) 24 1. CSM balance excludes reinsurances 2. Include new business CSM amounting to NT$6.4bn and CSM of NT$1bn from deferred cases 3. Others include CSM interest accretion, FX, and decent investment performance of participating policies 2 3 Jan.1, 2026 Jun.30, 2026 Growing CSM provides a solid foundation for future profit generation
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© CTBC Financial Holding 3.9% 1.7% 3.0% 44.5% 69.6% 26.0% 23.5% 27.9% 6M25 6M26 Inv-linked Interest sensitive Traditional Health & PA25.9 25.3 25.0 24.6 26.4 12.5 22.7 25.6 34.3 29.7 2Q25 3Q25 4Q25 1Q26 2Q26 First year premium Renewal premium 45.4% 40.4% 31.1% 31.8% 23.5% 27.9% 6M25 6M26 Inv- linked Single Regular 50.0% 49.5% 26.5% 22.6% 23.5% 27.9% 6M25 6M26 Inv- linked NTD FCY 56.2 50.6 58.9 48.0 38.4 0.2% 0.1% 15.6% 10.0% 17.0% 10.9% 27.6% 30.3% 39.6% 48.7% 6M25 6M26 Bank-CTBC Bank-External Tied Agent Brokers Others 64.126.8 26.8 64.1 QoQ -4.7% YoY +49.6% YoY +139.5% 1. Others include tel-marketing and inter-group channels Source: Life Insurance Association and Taiwan Insurance Institution 26.8 64.1 26.8 64.1 1 YoY +139.5% Total premium breakdown (NT$ bn) FYP breakdown - by products (NT$ bn, %) Taiwan Life’s premium breakdown FYP breakdown - by currency/payment (NT$ bn, %) FYP breakdown - by channels (NT$ bn, %) 25 Strong demand for traditional and investment-linked products drives growth
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© CTBC Financial Holding 5.5% 4.1% 3.4% 7.5% 6.6% 6.4% 58.7% 59.6% 59.9% 10.6% 13.0% 13.6% 3.6% 2.2% 2.2% 5.5% 6.0% 6.0% 8.6% 8.5% 8.6% Jun 25 Mar 26 Jun 26 Mutual fund Real estate Loan Equities Overseas fixed income Domestic fixed income Deposit and cash equivalents 7.06% 0.39% 3.02% 2.77% 4.51% -0.09% 1.31% Asset size2,081 Return 1 1. Annualized return for each type of investment assets is pre-hedge 2. Part of the real estate project construction work is underway 3. Include CTBC Insurance and other investments under equity method. 4. Assets by accounting treatment include equities, funds, fixed income positions and other investments under equity method 2,008 2,115 1% 1% 43% 46% 8% 8% 48% 45% Mar 26 Jun 26 AC FVTPL FVOCI Inv. under equity method Portfolio breakdown and returns (NT$ bn, %) Assets by accounting treatment 4 (%) Taiwan Life - Investment portfolio breakdown 26 2 3 Diversified asset allocation supports resilient investment returns
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© CTBC Financial Holding 3.32% 2.47% 2025 6M26 2 0.28% 0.92% 2025 6M26 1. Total Investment yield is after hedge. 2025 total investment yield is calculated before the additional FX reserves taken 2025. Starting 2026, with the phase-out of the overlay approach, most equity holdings were reclassified to FVOCI. Only dividend income is recognized in P&L. 2. Taiwan Life implemented IFRS 17 starting 2026. 3. 6M26 total investment yield is presented on a post–asset reclassification basis 4. 6M26 cost of liabilities includes participating policies and is investment assets-based 1 2 3 Total investment yield1 (%) Pre-hedge recurring yield (%) 2,3 2 3.60% 3.39% 2025 6M26 2 Taiwan Life - Investment yields & cost of liabilities Cost of liabilities4 (%) Pre-hedge recurring investment spread (%) 27 IFRS 17 5.74% OCI realized gains Investment income incl. in pre-tax income IFRS 17 IFRS 17 IFRS 17 Improving spreads enhance recurring profitability under IFRS 17 4.42% 2.96% 2.78% 2025 6M26
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© CTBC Financial Holding 27,933 33,344 2025 Jun 26 FCY policy 38% Hedged 20%Equity-OCI 6% Unhedged 36% FCY policy Hedged Equity-OCI Unhedged 2 3 1. Percentages may not total 100% due to rounding 2. Hedged position Includes currency swap and NDF 3. Equity-OCI includes equity and mutual fund 4. Taiwan Life adopted the new FX reserve scheme in June and allocated NT$15.1bn from excess liability reserves in July and NT$8.5bn of 2025 pre-tax profits in December to replenish FX reserves in 2025. 2025 hedging cost excludes additional FX reserves. NTD policy Hedged 32% Equity-OCI 10% Unhedged 58% 1 1.46% 1.19% 2025 6M26 4 4 6M26 hedging structure (%) FX reserve balance (NT$ mn) Taiwan Life – Hedging & FX reserves Hedging cost (overseas assets-based, %) 28 Prudent hedging strategy mitigates market volatility risks
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ESG Highlights
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© CTBC Financial Holding 2050 Achieve net-zero emissions 2012 2019 2020 2022 2024 2025 2035 2023 2027 • Among the first group of CDP signatories Signed on or voluntarily adopted: • Equator Principles (EP) • Principles for Responsible Investment (PRI) • Principles for Sustainable Insurance (PSI) • Principles for Responsible Banking (PRB) Joined: • the Task Force on Climate-related Financial Disclosures (TCFD) • the Partnership for Carbon Accounting Financials (PCAF) • the Global Impact Investing Network (GIIN) CTBC’s 2050 net-zero blueprint • Included net-zero by 2050 in the Company’s long-term corporate sustainability roadmap Joined: • the Coalition of Movers and Shakers on Sustainable Finance • the Partnership for Biodiversity Accounting Financials (PBAF) • the Taskforce on Nature-related Financial Disclosures (TNFD) • the Business for Nature coalition • Launched the first-of-its-kind Green GPT chatbot to help clients calculate their carbon footprints • Pioneered the development of AI-powered Carbon Finance Management Platform to manage science-based emissions reduction targets • Initiated the CTBC 30X30 Biodiversity Initiative, committing to 30 conservation actions by 2030 • The only bank in Taiwan acting as the local financial adviser for six offshore wind farm project developers in total • Launched the industry’s first “AI Carbon Finance Management Platform — PathMatch”, recognized by the MAS as an AI fintech showcase, to support financial institutions in managing their Science-Based Targets (SBTs) • Partnered with Taijiang National Park to establish Taiwan’s first national-park-designated Other Effective Area-Based Conservation Measure (OECM) • Achieve SBT Scope 3 carbon reduction targets for corporate lending and investments in listed stocks, bonds, ETFs, and mutual funds • Attain SBT carbon reduction targets for commercial real estate lending, power generation project financing, corporate lending, and operational carbon emissions • Divest from coal and unconventional oil and gas extraction • Released Sustainable Finance Statement, committing to cease all new investments and financing for the coal mining industry • Received approval for Science Based Targets (SBTs) • Published Taiwan's first report based on the TNFD framework 2026 • Partnered with the TSMC Charity Foundation, REWOOD and the Hsinchu County Government to establish Asia’s first sustainable campus tree governance trust 30
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© CTBC Financial Holding 31 Leading ESG ratings & sustainability indices • MSCI Taiwan ESG Leaders Index Constituent • DJSI World Index Constituent • DJSI Emerging Markets Index Constituent • CDP Climate Change A List • FTSE4Good Index Constituent • Sustainalytics Low ESG Risk • ISS ESG Prime Status Strong ESG execution supported by independent global ratings enhances long -term shareholder value. ESG ratings & index recognition
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© CTBC Financial Holding Key value creation highlights CTBC Holding | Sustainability Leadership in Asia Accelerating Climate & Nature Transition • SBTi-approved net-zero pathway • NT$383.4 billion sustainable lending portfolio • Full exit from coal mining investment and financing by 2035 • Taiwan's first TNFD reporting financial institution • Offshore wind leadership and biodiversity conservation projects • Expanded access to inclusive finance and ESG insurance • Female leadership exceeds 50% • Over NT$4.3 billion fraud losses prevented in last 3 years • More than NT$1.2 billion was invested in 2025, reaching people on 130 million occasions • ESG oversight directly governed by Board Committees • Climate, nature and financial risk integrated into enterprise risk management • Active stewardship and engagement with high-emission sectors • Recognition from MSCI, CDP , DJSI and global ESG benchmarks Net Zero Delivering sustainable growth through climate leadership, inclusive finance and strong governance Key Themes Nature Positive Human Capital Responsible Finance Governance Excellence E Creating Inclusive GrowthS Enhancing Resilience & TransparencyG 32
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CTBC Financial Holding Company Aug 18th, 2026 Investor Relations 2Q 2026 Financial Results Appendix
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© CTBC Financial Holding DISCLAIMER This presentation was prepared by CTBC Financial Holding (the “Company”). No representation or warranty, express or implied, is made as to the fairness, accuracy, or completeness of this presentation and the information contained herein. In addition, the Company does not undertake any obligation to publicly update or revise the information contained herein, whether as a result of new information or future events. The financial information in this presentation is preliminary and subject to audit or review by the Company’s auditors. Furthermore, this presentation may include forward-looking statements regarding the Company’s future operation or financial condition. Such forward-looking statements are subject to the Company's assumptions and expectations in light of currently available information and involve known and unknown risks, uncertainties, and other factors. Accordingly, the Company’s actual performance results may substantially differ from those expressed or implied herein. Nothing in this presentation should be construed as either an offer to sell or a solicitation of an offer to buy or sell any securities of the Company. 34
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CTBC Holding’s Summary Ratios 1. 2Q26/06M26 numbers are preliminary. 2. ROAA/ROAE are calculated on an annualized basis. 3. CTBC are calculated on a consolidated basis. 4. Holding’s Jun 26 capital adequacy ratio remains subject to updates in life insurance TIS parameters; accordingly, only the Mar 26 ratio is disclosed at this time. YTD Results 2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q261 06M261 Per Share Data (Reported) EPS (after-tax) (NT$) 2.82 3.64 4.08 0.76 1.28 1.02 1.18 0.78 1.96 DPS (NT$) 1.80 2.30 2.50 - - - - - - BVPS (NT$) 20.98 23.14 24.82 21.00 23.50 24.82 27.15 34.35 34.35 Common shares outstanding (million share) 19,623 19,620 19,678 19,650 19,650 19,678 19,678 19,677 19,677 DuPont Analysis ROAA (after-tax)(%)2 0.72% 0.86% 0.91% 0.73% 1.14% 0.89% 1.00% 0.68% 0.83% ROAE (after-tax)(%)2 14.64% 16.39% 16.88% 14.25% 22.55% 16.50% 18.32% 10.66% 13.53% Leverage & Solvency Ratios Double Leverage Ratio (%) 118.4% 120.4% 122.3% 125.9% 123.5% 122.3% 120.6% 118.9% 118.9% Avg. Equity / Avg. Assets (%) 5.06% 5.40% 5.52% 5.27% 5.23% 5.50% 5.71% 6.39% 6.02% CAR - FHC (%) 119.0% 122.7% 125.1% 115.8% 125.6% 125.1% 112.5% NA4 NA4 CAR - Bank3 (%) 13.48% 13.89% 14.58% 13.79% 14.72% 14.58% 14.50% 13.60% 13.60% Tier 1 Ratio - Bank3 (%) 11.80% 12.27% 12.38% 11.99% 12.50% 12.38% 12.29% 11.30% 11.30% CET1 Ratio - Bank3 (%) 10.71% 11.23% 11.14% 10.94% 11.20% 11.14% 11.10% 9.96% 9.96% Yearly Results Quarterly Results 35
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YTD Results 2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q261 06M261 Bank Growth Ratios NII growth 3.59% 0.24% 21.57% 2.95% 9.66% 5.08% 4.15% 3.43% 23.85% Fee growth 12.73% 27.06% 10.89% -18.80% 16.32% -2.89% 30.47% -9.40% 25.87% Net profit growth 11.28% 19.58% 15.93% 6.52% -0.17% 6.62% 8.82% -12.02% 12.30% Bank Performance Ratios Loan growth 7.64% 9.03% 10.39% -0.79% 2.08% 2.87% 6.06% 5.55% 17.55% Deposit growth 8.35% 6.62% 6.55% 0.07% 3.35% 1.31% 2.88% 6.59% 14.83% Avg. Loan-to-Deposit Ratio 72.23% 72.35% 75.19% 76.09% 75.19% 75.39% 76.41% 77.09% 76.76% NIM 1.49% 1.40% 1.56% 1.50% 1.59% 1.64% 1.68% 1.65% 1.67% NII / Operating income 56.4% 50.6% 54.9% 53.6% 56.7% 57.3% 56.1% 58.3% 57.2% Fee / Operating income 28.4% 32.3% 32.0% 29.1% 32.7% 30.5% 37.4% 34.0% 35.7% Cost-to-income ratio 55.2% 52.1% 52.2% 51.8% 50.7% 54.0% 50.7% 50.8% 50.7% Asset Quality Ratios NPLs / Total Loans 0.52% 0.49% 0.50% 0.48% 0.48% 0.50% 0.51% 0.54% 0.54% Reserve / Total Loans2 1.72% 1.73% 1.63% 1.66% 1.67% 1.63% 1.60% 1.59% 1.59% Reserve / NPLs 309.64% 330.74% 312.90% 324.16% 329.63% 312.90% 297.77% 280.47% 280.47% Provision/Avg. Loans & Revolv. Bal.3 0.25% 0.29% 0.29% 0.26% 0.34% 0.22% 0.28% 0.48% 0.38% Yearly Results Quarterly Results % CTBC Bank’s Summary Ratios (Consolidated) 1. 2Q26/06M26 numbers are preliminary. 2. Effective 4Q11, calculation excluding government loan by regulatory definition. 3. Numbers are calculated on an annualized basis. 36
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Balance Sheet of CTBC Holding and its major subsidiaries as of Jun 30, 20261 NT$mm CTBC Bank Taiwan Life CTBC Securities CTBC Capital CTBC Finance CTBC AMC Taiwan Lottery CTBC Investment CTBC FHC (consolidated) Assets: Cash and due from banks 601,882 55,215 5,644 1,745 320 10 284 941 650,781 Securities, net 1,725,528 2,034,112 34,105 11,473 286 3 0 498 3,829,705 Loans, net 4,660,865 45,571 0 0 650 0 0 0 4,706,749 A/R, net 298,395 39,518 42,701 12,255 10,667 27 1,120 256 405,021 LT investments, net 5,353 21,099 0 44 0 0 0 0 26,557 Land, premises and equipments, net 41,284 11,022 211 40 1,359 1 186 36 56,728 Others 216,836 331,489 33,602 1,159 339 5,366 311 197 583,979 Total Assets 7,550,145 2,538,027 116,262 26,716 13,621 5,407 1,901 1,926 10,259,520 Liabilities: Deposits 6,229,698 0 0 0 0 0 0 0 6,205,795 Other liabilities 828,336 2,185,650 101,388 17,318 11,666 2,949 501 659 3,317,703 Total liabilities 7,058,034 2,185,650 101,388 17,318 11,666 2,949 501 659 9,523,499 Minority interests2 28,515 1,539 0 28 0 0 0 0 30,082 Total stockholders' equity 463,595 350,838 14,874 9,370 1,955 2,458 1,400 1,268 705,939 Total liabilities and stockholders' equity 7,550,145 2,538,027 116,262 26,716 13,621 5,407 1,901 1,926 10,259,520 1. These numbers are preliminary and adopted IFRS 17. 2. The increase is due to the consolidation of LHFG into Bank’s consolidated balance sheet in 4Q21. 3. FHC consolidated balance sheets include accounting eliminations 3 37
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P&L of CTBC Holding and its subsidiaries for the year ended Jun 30, 20261 1. These numbers are preliminary and adopted IFRS 17. 2. Include insurance service result, insurance finance income and expense, net income (Loss) from assets of separate account insurance products, finance income and expense from reinsurance contracts held, Life FX exchange reserve and insurance guaranty fund. 3. Operating expenses include business tax. 4. Net profit after Income Tax is excluding Minority Interest Income. 5. FHC consolidated profit include accounting eliminations. NT$mm CTBC Bank Taiwan Life CTBC Securities CTBC Capital CTBC Finance CTBC AMC Taiwan Lottery CTBC Investment CTBC FHC (consolidated) Operating income Net interest income 54,832 29,649 166 409 176 (24) 3 11 84,428 Fee income 34,265 (15) 2,636 80 31 0 1,574 1,152 33,247 Insurance business income2 0 (24,872) 0 0 0 0 0 0 (24,266) Trading,Derivatives & FX 7,453 5,281 2,481 1,901 (1) 1 0 8 17,045 LT investment income (80) 319 0 3 0 0 0 0 247 Other income (loss) (619) 4,577 (75) 669 17 30 17 5 1,559 Operating revenue 95,850 14,938 5,208 3,062 223 7 1,594 1,175 112,261 Operating expenses3 (48,633) (2,576) (2,585) (1,154) (175) (27) (727) (513) (53,922) Credit loss provisions, net (8,703) (248) (1) (160) (10) 0 0 0 (9,122) Profit before income tax 38,514 12,114 2,621 1,748 38 (20) 867 662 49,216 Profit after income tax4 31,178 10,276 2,158 1,624 31 (17) 695 531 39,537 Other comprehensive income 30,954 178,686 1,405 98 1 0 0 0 211,974 Total comprehensive income 62,132 188,962 3,562 1,722 31 (17) 695 531 251,512 5 4 4 38
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2023 2024 2025 Jun 25 Sep 25 Dec 25 Mar 26 Jun 261 QoQ(%) YoY(%) Assets: Cash and due from banks 683,063 576,691 641,749 648,439 666,116 641,749 643,981 650,781 1.1% 0.4% Securities, net 3,305,126 3,564,179 3,579,465 3,297,051 3,409,930 3,579,465 3,559,201 3,829,705 7.6% 16.2% Loans, net 3,524,919 3,835,335 4,236,002 4,034,035 4,117,087 4,236,002 4,461,340 4,706,749 5.5% 16.7% A/R, net 257,744 282,520 296,382 283,777 298,905 296,382 319,898 405,021 26.6% 42.7% LT investments, net 18,667 20,951 22,670 20,560 22,478 22,670 25,878 26,557 2.6% 29.2% Land, premises and equipments, net 50,104 50,394 55,667 51,408 53,166 55,667 56,174 56,728 1.0% 10.3% Others 464,513 509,541 499,152 494,961 465,000 499,152 561,324 583,979 4.0% 18.0% Total assets 8,304,135 8,839,610 9,331,087 8,830,232 9,032,682 9,331,087 9,627,795 10,259,520 6.6% 16.2% Liabilities: Deposits 4,976,248 5,312,280 5,651,587 5,400,065 5,560,888 5,651,587 5,817,260 6,205,795 6.7% 14.9% Other liabilities 2,862,542 3,016,978 3,130,218 2,961,084 2,951,300 3,130,218 3,216,145 3,317,703 3.2% 12.0% Total liabilities 7,838,789 8,329,258 8,781,805 8,361,150 8,512,188 8,781,805 9,033,406 9,523,499 5.4% 13.9% Minority interests2 23,596 26,404 30,938 26,461 28,754 30,938 30,084 30,082 -0.0% 13.7% Total stockholders' equity 441,750 483,948 518,343 442,621 491,739 518,343 564,305 705,939 25.1% 59.5% Total liabilities and stockholders' equity 8,304,135 8,839,610 9,331,087 8,830,232 9,032,682 9,331,087 9,627,795 10,259,520 6.6% 16.2% NT$mm, % Quarterly ResultsYearly Results IFRS 17 CTBC Holding’s Balance Sheet (Consolidated) 1. Jun 26 numbers are preliminary. 2. The increase is due to the consolidation of LHFG into Bank’s consolidated balance sheet in 4Q21. 39
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CTBC Holding’s P&L (Consolidated) 1. 2Q26/06M26 numbers are preliminary. 2. Include insurance service result, insurance finance income and expense, net income (Loss) from assets of separate account insurance products, finance income and expense from reinsurance contracts held, Life FX exchange reserve and insurance guaranty fund. 3. Operating expenses include business tax. 4. Net profit after Income Tax is excluding Minority Interest Income. 2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q261 QoQ % 06M25 06M261 YoY % Operating Income Net interest income 132,066 133,370 148,094 35,768 37,395 39,414 41,557 42,871 3.2% 71,285 84,428 18.4% Fee income 28,600 41,736 43,629 10,000 10,606 10,114 16,896 16,351 -3.2% 22,909 33,247 45.1% Insurance business income2 (35,439) (37,599) (20,840) (8,683) 5,742 (8,766) (10,576) (13,690) -29.4% (17,817) (24,266) -36.2% Trading, Derivative & FX 31,033 59,389 52,587 (4,241) 17,240 22,261 7,939 9,106 14.7% 13,086 17,045 30.3% LT investment income 582 241 1,225 206 892 (151) 103 143 38.3% 483 247 -48.9% Other income (loss) 6,423 (4,241) (16,237) 11,596 (14,019) (9,445) 1,510 50 -96.7% 7,226 1,559 -78.4% Operating Revenue 163,266 192,897 208,457 44,645 57,858 53,427 57,430 54,831 -4.5% 97,173 112,261 15.5% Operating expenses3 (86,658) (92,692) (102,919) (24,993) (25,439) (28,093) (25,820) (28,102) 8.8% (49,387) (53,922) 9.2% Credit loss provisions, net (9,674) (12,115) (13,318) (2,780) (3,898) (3,077) (3,310) (5,812) 75.6% (6,343) (9,122) 43.8% Net profit before income tax 66,934 88,090 92,220 16,871 28,521 22,256 28,299 20,917 -26.1% 41,443 49,216 18.8% Net profit after income tax4 56,081 72,028 80,619 15,932 24,919 19,860 23,104 16,434 -28.9% 35,841 39,537 10.3% Other comprehensive income 36,414 5,944 (670) (23,875) 23,992 6,698 36,619 175,356 378.9% (31,360) 211,974 775.9% Total comprehensive income 92,496 77,972 79,949 (7,943) 48,910 26,558 59,722 191,790 221.1% 4,481 251,512 5513.1% NT$mm, % Yearly Results Quarterly Results YTD Results IFRS 17 IFRS 17 4 4 40
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CTBC Bank’s Balance Sheet (Consolidated) 2023 2024 2025 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 QoQ(%) YoY(%) Assets: Cash and due from banks 634,097 538,107 589,988 578,587 598,872 589,988 595,618 601,882 1.1% 4.0% Securities, net 1,553,415 1,728,351 1,701,682 1,601,835 1,630,229 1,701,682 1,642,408 1,725,528 5.1% 7.7% Loans, net 3,456,021 3,768,167 4,161,604 3,963,488 4,044,888 4,161,604 4,416,121 4,660,865 5.5% 17.6% A/R, net 190,617 194,382 200,359 188,613 216,037 200,359 222,103 298,395 34.3% 58.2% LT investments, net 3,588 3,504 3,409 3,151 3,251 3,409 5,350 5,353 0.1% 69.9% Land, premises and equipments, net 40,909 40,902 41,148 40,404 40,482 41,148 41,266 41,284 0.0% 2.2% Others 167,650 199,679 182,847 188,780 167,677 182,847 209,456 216,836 3.5% 14.9% Total assets 6,046,297 6,473,093 6,881,036 6,564,859 6,701,435 6,881,036 7,132,321 7,550,145 5.9% 15.0% Liabilities: Deposits 5,000,082 5,331,303 5,680,752 5,425,296 5,607,043 5,680,752 5,844,613 6,229,698 6.6% 14.8% Other liabilities 664,902 721,581 739,754 725,170 656,951 739,754 806,579 828,336 2.7% 14.2% Total liabilities 5,664,984 6,052,884 6,420,506 6,150,465 6,263,994 6,420,506 6,651,192 7,058,034 6.1% 14.8% Minority interests2 23,521 26,345 29,558 26,407 28,683 29,558 28,703 28,515 -0.7% 8.0% Total stockholders' equity 357,791 393,863 430,971 387,986 408,758 430,971 452,426 463,595 2.5% 19.5% Total liabilities and stockholders' equity 6,046,297 6,473,093 6,881,036 6,564,859 6,701,435 6,881,036 7,132,321 7,550,145 5.9% 15.0% Yearly Results Quarterly Results NT$mm, % 1. Jun 26 numbers are preliminary. 2. The increase is due to the consolidation of LHFG into Bank’s consolidated balance sheet in 4Q21. 1 41
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2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q261 QoQ % 06M25 06M261 YoY % Operating Income Net interest income 77,779 77,966 94,782 22,459 24,629 25,880 26,954 27,878 3.4% 44,273 54,832 23.8% Fee income 39,171 49,769 55,191 12,199 14,189 13,779 17,977 16,287 -9.4% 27,223 34,265 25.9% Trading, Derivatives & FX 21,705 26,483 22,153 6,676 4,536 4,759 3,735 3,718 -0.5% 12,858 7,453 -42.0% LT investment income 367 35 217 27 8 78 (118) 37 131.9% 131 (80) -161.2% Other income (loss) (1,226) (244) 388 539 56 647 (544) (75) 86.2% (315) (619) -96.5% Operating Revenue 137,795 154,009 172,730 41,900 43,418 45,143 48,004 47,845 -0.3% 84,169 95,850 13.9% Operating expenses2 (76,007) (80,237) (90,086) (21,688) (21,995) (24,371) (24,348) (24,285) -0.3% (43,721) (48,633) 11.2% Pre-provision profit 61,788 73,772 82,644 20,211 21,423 20,772 23,656 23,561 -0.4% 40,448 47,217 16.7% Credit loss provisions, net (8,764) (10,945) (11,857) (2,658) (3,552) (2,380) (3,103) (5,600) 80.5% (5,924) (8,703) 46.9% Net profit before income tax 53,025 62,827 70,788 17,553 17,871 18,393 20,553 17,961 -12.6% 34,524 38,514 11.6% Net profit after income tax3 41,333 49,424 57,298 14,319 14,295 15,241 16,586 14,592 -12.0% 27,763 31,178 12.3% Quarterly Results YTD ResultsYearly Results NT$ mm, % CTBC Bank’s P&L (Consolidated) 1. 2Q26/06M26 numbers are preliminary. 2. Operating expenses include business tax. 3. Net profit after Income Tax is excluding Minority Interest Income. 42
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CTBC Bank’s Loan Breakdown (Consolidated) 1.Jun 26 numbers are preliminary. 2.Others include micro business loan. 3. Unsecured & other loans include NTD non-accrual loans. 2023 2024 2025 Jun 25 Sep 25 Dec 25 Mar 26 Jun 261 QoQ(%) YoY(%) Corporate loans 952,551 1,007,035 1,028,894 1,085,680 1,057,883 1,028,894 1,149,957 1,245,370 8.3% 14.7% Manufacturing 207,374 200,371 217,145 233,307 222,758 217,145 251,933 302,725 20.2% 29.8% Commerce & services 115,439 97,696 125,893 115,089 122,770 125,893 130,623 167,715 28.4% 45.7% Govt & non-profit org. 229,464 266,343 182,639 267,157 232,701 182,639 251,223 224,635 -10.6% -15.9% Construction & real estate 105,564 121,096 131,951 125,751 125,058 131,951 134,037 41,502 -69.0% -67.0% Finance & insurance 93,459 100,461 138,870 114,059 118,152 138,870 139,456 151,850 8.9% 33.1% Others2 201,250 221,068 232,397 230,318 236,445 232,397 242,684 356,944 47.1% 55.0% Mortgages 1,104,839 1,191,128 1,392,947 1,267,862 1,330,191 1,392,947 1,445,576 1,520,637 5.2% 19.9% Unsecured & others3 239,868 267,488 298,688 282,827 291,012 298,688 305,413 323,804 6.0% 14.5% Total NTD Loans 2,297,258 2,465,651 2,720,529 2,636,369 2,679,087 2,720,529 2,900,945 3,089,812 6.5% 17.2% Total Foreign currency loans 1,215,283 1,364,173 1,507,214 1,389,718 1,430,678 1,507,214 1,583,006 1,642,784 3.8% 18.2% Total Loan 3,512,541 3,829,824 4,227,743 4,026,087 4,109,765 4,227,743 4,483,951 4,732,596 5.5% 17.5% Yearly Results Quarterly Results NT$mm, % 43
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2023 2024 2025 Jun 25 Sep 25 Dec 25 Mar 26 Jun 261 QoQ(%) YoY (%) Demand & savings Checking & demand deposits 398,774 463,636 526,321 484,442 493,961 526,321 565,662 598,229 5.8% 23.5% Saving deposits 1,282,124 1,323,756 1,421,945 1,353,922 1,438,745 1,421,945 1,465,508 1,503,091 2.6% 11.0% Sub-total-Demand & savings 1,680,898 1,787,392 1,948,266 1,838,364 1,932,706 1,948,266 2,031,170 2,101,320 3.5% 14.3% Time & time savings Time deposits (incl. CD) 485,131 509,408 509,034 557,175 503,087 509,034 550,003 692,922 26.0% 24.4% Time saving deposits 667,633 723,900 786,072 759,232 775,123 786,072 794,809 785,479 -1.2% 3.5% Sub-total-Time & time savings 1,152,764 1,233,308 1,295,106 1,316,407 1,278,210 1,295,106 1,344,811 1,478,401 9.9% 12.3% Remittances 1,701 1,567 1,813 1,314 2,163 1,813 1,768 1,562 -11.6% 18.9% Foreign currency deposits 2,164,719 2,309,036 2,435,567 2,269,210 2,393,964 2,435,567 2,466,865 2,648,415 7.4% 16.7% Total deposits 5,000,082 5,331,303 5,680,752 5,425,296 5,607,043 5,680,752 5,844,613 6,229,698 6.6% 14.8% Yearly Results Quarterly Results NT$mm, % CTBC Bank’s Deposit Breakdown (Consolidated) 1. Jun 26 numbers are preliminary. 44
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CTBC Bank’s Spread (Consolidated) 2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q261 QoQ (Chg) 06M25 06M261 YoY (Chg) NTD NTD Lending rate Lending rate 2.66 2.77 2.81 2.80 2.81 2.84 2.82 2.79 (0.03) 2.80 2.80 0.01 NTD Deposit rate Deposit rate 0.82 0.95 1.01 1.03 1.00 0.99 0.98 0.99 0.01 1.02 0.99 (0.03) NTD spread2NTD spread2 1.85 1.82 1.80 1.77 1.81 1.84 1.84 1.79 (0.05) 1.78 1.82 0.04 Foreign currency FC Lending rate Lending rate 4.80 4.90 4.49 4.51 4.42 4.36 4.22 4.22 0.00 4.59 4.22 (0.36) FC Deposit rate Deposit rate 2.24 2.63 2.14 2.17 2.11 1.98 1.86 1.95 0.09 2.25 1.90 (0.35) Foreign currency spread2Foreign currency spread2 2.56 2.27 2.34 2.35 2.30 2.38 2.36 2.28 (0.09) 2.34 2.32 (0.02) NTD & foreign currency Overall Lending rate Lending rate 3.41 3.51 3.40 3.40 3.37 3.37 3.32 3.29 (0.03) 3.42 3.30 (0.12) Overall Deposit rate Deposit rate 1.43 1.68 1.49 1.50 1.47 1.42 1.35 1.40 0.04 1.54 1.38 (0.16) Overall spread2Overall spread2 1.98 1.83 1.91 1.90 1.90 1.96 1.97 1.89 (0.08) 1.88 1.93 0.04 NIMNIM 1.49 1.40 1.56 1.50 1.59 1.64 1.68 1.65 (0.03) 1.49 1.67 0.17 Yearly Results Quarterly Results YTD Results % 1. 2Q26/ 06M26 numbers are preliminary. 2. Credit card receivables are excluded in the calculation of NTD, foreign currency, and overall loan spread, and is included in the calculation of NIM. 3. QoQ, YoY change and spread number may not add up due to the rounding. 45
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2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q261 QoQ (%) 06M25 06M261 YoY (%) 90-days NPLs - beginning 15,842 18,254 18,642 19,767 19,311 19,682 21,137 22,779 7.8% 18,642 21,137 13.4% New NPL influx, net of recovery & others 7,291 7,621 10,401 2,689 2,588 2,759 3,314 4,576 38.1% 5,053 7,891 56.2% Write-offs & other deductions (4,880) (7,232) (7,905) (3,145) (2,217) (1,304) (1,672) (1,781) 6.5% (4,384) (3,453) -21.2% 90-days NPLs - ending 18,254 18,642 21,137 19,311 19,682 21,137 22,779 25,575 12.3% 19,311 25,575 32.4% Provisions and reserves Total provisions 8,764 10,945 11,857 2,658 3,552 2,380 3,103 5,600 80.5% 5,924 8,703 46.9% Total reserves 56,520 61,657 66,139 62,598 64,877 66,139 67,830 71,730 5.7% 62,598 71,730 14.6% 2023 2024 2025 Jun 25 Sep 25 Dec 25 Mar 26 Jun 261 QoQ (Chg) Jun 25 Jun 261 YoY (Chg) NPL ratio Corporate NPL ratio2 0.14% 0.17% 0.15% 0.18% 0.16% 0.15% 0.14% 0.14% -0.01% 0.18% 0.14% -0.04% Retail NPL ratio 0.18% 0.14% 0.12% 0.13% 0.12% 0.12% 0.11% 0.10% -0.01% 0.13% 0.10% -0.03% Overseas Subsidiaries NPL ratio 1.90% 1.76% 2.02% 1.83% 1.88% 2.02% 2.17% 2.49% 0.32% 1.83% 2.49% 0.66% Total NPL ratio 0.52% 0.49% 0.50% 0.48% 0.48% 0.50% 0.51% 0.54% 0.03% 0.48% 0.54% 0.06% NT$mm, % % Yearly Results Quarterly Results YTD Results Yearly Results Quarterly Results YTD Results CTBC Bank’s Asset Quality (Consolidated) 1. 2Q26/ 06M26/Jun 26 numbers preliminary. 2. Corporate NPL ratio excludes overseas subsidiaries NPL. 3. QoQ, YoY change may not add up due to the rounding. 46
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Taiwan Life’s P&L & Balance Sheet (Standalone) IFRS 4 Income Statement Yearly Results NT$mm, % 2025 Retained earned premium 152,249 Retained claims and policyholders' benefits (137,553) Changes in liabilities reserves (36,335) Commission expense (17,679) Total investment 65,911 Others (801) Operating expenses2 (5,903) Net profit before Tax 19,888 Net profit after Tax 20,850 Balance Sheet Yearly Results NT$mm, % 2025 Total Assets 2,337,649 Reserves for life insurance liabilities 1,892,116 Other liabilities 268,105 Total liabilities 2,160,221 Total stockholders' equity 177,428 Total liabilities and stockholders' equity 2,337,649 E/A ratio 8.07% 1. 2Q26/06M26/Jun 26 numbers are preliminary. 2. Operating expenses include business tax. IFRS 17 Statement of Comprehensive Income YTD Results NT$mm, % 1Q26 2Q261 QoQ(%) 06M261 Insurance service result 4,335 3,376 -22.1% 7,711 Financial result 2,365 1,654 -30.1% 4,018 Other operating result 2,859 (2,526) -188.3% 333 Operating revenue 9,559 2,504 -73.8% 12,062 Non-operating revenue 68 (11) -116.1% 57 Net profit before tax 9,627 2,493 -74.1% 12,120 Net profit after tax 7,752 2,524 -67.4% 10,276 Other comprehensive income 30,930 147,755 377.7% 178,686 Total comprehensive income 38,682 150,280 288.5% 188,962 Balance Sheet NT$mm, % Mar 26 Jun 261 QoQ(%) Total Assets 2,383,053 2,530,100 6.2% Reserves for insurance liabilities 1,877,134 1,885,042 0.4% Other liabilities 303,383 294,220 -3.0% Total liabilities 2,180,516 2,179,262 -0.1% Total stockholders' equity 202,537 350,838 73.2% Total liabilities and stockholders' equity 2,383,053 2,530,100 6.2% E/A ratio % 9.01% 14.75% IFRS 17 Quarterly Results IFRS 17 47
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Taiwan Life’s Premium Performance 1. Others include Health, PA and Others NT$mm, % Total Premium Breakdown by Products 2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ(%) 06M25 06M26 YoY(%) Traditional 18,693 17,862 32,380 4,764 12,713 10,687 17,125 19,579 14.3% 8,980 36,704 308.7% Interest Sensitive & UL 83,597 91,186 95,810 24,467 22,930 24,924 25,378 21,461 -15.4% 47,956 46,839 -2.3% Investment Linked 7,659 10,371 21,201 2,731 5,901 8,076 10,134 8,657 -14.6% 7,224 18,791 160.1% Others1 25,817 26,414 26,141 6,481 6,433 6,958 6,282 6,456 2.8% 12,750 12,739 -0.1% Total premium 135,766 145,833 175,531 38,442 47,977 50,644 58,920 56,153 -4.7% 76,910 115,072 49.6% FYP Breakdown by Products 2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ(%) 06M25 06M26 YoY(%) Traditional 652 459 16,289 660 8,687 6,793 13,363 15,145 13.3% 809 28,507 3424.4% Interest Sensitive & UL 39,388 37,585 37,507 9,117 8,061 10,826 10,729 5,907 -44.9% 18,621 16,637 -10.7% Investment Linked 5,681 8,506 19,299 2,238 5,431 7,591 9,687 8,163 -15.7% 6,277 17,850 184.4% Others1 3,664 2,245 2,008 522 540 424 551 517 -6.1% 1,044 1,068 2.3% Total first year premium 49,385 48,794 75,103 12,536 22,718 25,635 34,330 29,732 -13.4% 26,750 64,063 139.5% FYP Breakdown by Channels 2023 2024 2025 2Q25 3Q25 4Q25 1Q26 2Q26 QoQ(%) 06M25 06M26 YoY(%) Bank_CTBC 19,807 19,111 34,609 3,987 10,458 13,551 16,793 14,417 -14.1% 10,599 31,210 194.5% Bank_External 14,661 14,548 19,426 3,548 6,289 5,757 11,303 8,098 -28.4% 7,380 19,401 162.9% Brokers 8,076 5,870 10,943 2,641 3,276 3,488 2,799 3,623 29.4% 4,180 6,422 53.6% Tied Agent 6,746 9,139 10,040 2,341 2,675 2,818 3,413 3,577 4.8% 4,548 6,989 53.7% Others 96 126 85 20 21 22 22 18 -16.1% 42 40 -4.6% Total First Year Premium 49,385 48,794 75,103 12,536 22,718 25,635 34,330 29,732 -13.4% 26,750 64,063 139.5% First Year Premium Equivalent (FYPE) 22,297 21,344 22,568 4,520 6,702 6,651 8,922 7,104 -20.4% 9,214 16,025 73.9% Quarterly ResultsYearly Results YTD Results 48