Slides
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Second Quarter 2026 Investor Conference August 25th, 2026
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TWSE Code 5871 2 Disclaimer
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TWSE Code 5871 3 Agenda Management Highlights Segment Review Q&A Appendix 2Q 2026 Performance Review
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TWSE Code 5871 4 Management Highlights ◼ Consolidated portfolio returned to growth, aligning with yearly guidance. ◼ Asset quality stabilized and continued to improve slightly. ◼ ASEAN delivered continuous growth in portfolio and profits. 2Q2026 Credit Portfolio YOY YTD Consolidated 5% 1% Taiwan Flat -1% China (RMB) -3% -0.5% ASEAN 12% 2%
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TWSE Code 5871 5 Agenda Management Highlights Segment Review Q&A Appendix 2Q 2026 Performance Review
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TWSE Code 5871 6 Credit Portfolio Consolidated Unit: NT$ million Source: unaudited financial statements Credit Portfolio includes receivables and Taiwan’s financial assets, Alliance transaction with banks and Operating lease QOQ 1%
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TWSE Code 5871 7 Loan Yield & COF Consolidated Exclude sales revenue and service fee from securitization Source: unaudited financial statements
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TWSE Code 5871 8 Revenue Consolidated Source: unaudited financial statements YOY -2%
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TWSE Code 5871 9 Net Profit & EPS Consolidated Source: unaudited financial statements EPS has been retroactively adjusted and deducted preferred share dividend
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TWSE Code 5871 10 Contribution Mix Consolidated Source: unaudited financial statements Credit Portfolio Net Profit (Owners of the Company) Note: Net profit excludes Holding Company
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TWSE Code 5871 11 Cost to Income & Asset to Equity Consolidated Cost to Income Ratio=Opex excludes impairment losses on receivables / Operating Profit Source: unaudited financial statements Cost to Income Asset to Equity
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TWSE Code 5871 12 ROA & ROE Consolidated ROA (Annualized) ROE (Annualized) Source: unaudited financial statements Note: ROE calculation excludes preferred shares
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13 Asset Quality Consolidated Delinquency Allowance Definitions of delinquencies: • Check payments: overdue more than 7 days • Non-check payments: overdue more than 30 days • Consumer loans and installments: overdue more than 90 daysSource: unaudited financial statements
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TWSE Code 5871 14 Agenda Management Highlights Segment Review Q&A Appendix 2Q 2026 Performance Review
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TWSE Code 5871 15 Credit Portfolio Taiwan Unit: NT$ million YOY Flat Source: unaudited financial statements Credit Portfolio includes receivables, financial assets, Alliance transaction with banks and Operating lease QOQ 1%
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TWSE Code 5871 16 Taiwan Solar Asset, gross Unit: NT$ million Source: unaudited financial statements
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TWSE Code 5871 17 Loan Yield & COF Taiwan Source: unaudited financial statements Excludes sales revenue and service fee from securitization
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TWSE Code 5871 18 Revenue Taiwan Unit: NT$ million Source: unaudited financial statements
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TWSE Code 5871 19 Net Profit Taiwan Unit: NT$ million Source: unaudited financial statements
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20 Asset Quality Taiwan Delinquency Recovery & Write-Offs Definitions of delinquencies • Check payments: overdue more than 7 days • Non-check payments: overdue more than 30 days • Consumer loans overdue more than 90 days Source: unaudited financial statements
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21 Asset Quality - Allowance Taiwan Note: Definitions of delinquencies • Check payments: overdue more than 7 days • Equipment leasing with non-check payments: overdue more than 30 days Source: unaudited financial statements
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TWSE Code 5871 22 Credit Portfolio China Unit: RMB million YOY -3% Source: unaudited financial statements Credit Portfolio includes accounts receivable
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TWSE Code 5871 23 Loan Yield & COF China Source: unaudited financial statements Loan yield excludes sales revenue
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TWSE Code 5871 24 Revenue China Unit: NT$ million Source: unaudited financial statements Q/Q -1%
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TWSE Code 5871 25 Net Profit China Unit: NT$ million Source: unaudited financial statements
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26 Asset Quality China Delinquency Recovery & Write-Offs Definition of delinquencies：overdue more than 30 days Source: unaudited financial statements
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27 Asset Quality - Allowance China Definitions of delinquencies • Check payments: overdue more than 7 days • Equipment leasing with non-check payments: overdue more than 30 days Source: unaudited financial statements
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TWSE Code 5871 28 Credit Portfolio ASEAN (Thailand, Vietnam, Malaysia, Cambodia, the Philippines and Indonesia) Unit: NT$ Million Source: unaudited financial statements Credit Portfolio includes accounts receivable
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TWSE Code 5871 29 Revenue ASEAN (Thailand, Vietnam, Malaysia, Cambodia, the Philippines and Indonesia) Unit: NT$ million Source: unaudited financial statements
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TWSE Code 5871 30 Net Profit ASEAN (Thailand, Vietnam, Malaysia, Cambodia, the Philippines and Indonesia) Unit: NT$ million Source: unaudited financial statements Q/Q Flat
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TWSE Code 5871 31 Asset Quality ASEAN Delinquency Allowance Definition of delinquencies：overdue more than 30 days Consumer loans and installments: overdue more than 90 days Source: unaudited financial statements
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TWSE Code 5871 32 Agenda Management Highlights Segment Review Q&A Appendix 2Q 2026 Performance Review
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TWSE Code 5871 33 Q & A Investor Relations: IR@Chailease.com.tw
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TWSE Code 5871 34 Agenda Management Highlights Segment Review Q&A Appendix 2Q 2026 Performance Review
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TWSE Code 5871 35 Consolidated Balance Sheet Summary Source: unaudited financial statements (NTD'000) 2026 2Q 2025 2Q YOY(%) 2026 1Q QOQ(%) Cash and cash equivalents 39,319,861 37,695,651 4 37,791,459 4 Total fund and investments 66,470,496 54,440,566 22 62,949,126 6 Loans and receivables 806,546,630 773,865,113 4 799,149,550 1 Total unearned charges and interests (74,326,248) (68,889,637) 8 (73,097,719) 2 Total allowance (22,886,862) (20,256,647) 13 (22,803,977) 0 Loans and receivables-net 709,333,520 684,718,829 4 703,247,854 1 Other receivables 24,608,473 21,861,744 13 19,532,674 26 Property, plant and equipment 108,209,454 101,120,115 7 107,878,380 0 Other assets 45,557,326 45,779,310 (0) 44,638,462 2 Total Assets 993,499,130 945,616,215 5 976,037,955 2 Interest bearing loans and borrowings 597,922,838 577,328,651 4 580,829,773 3 Corporate bonds payable 77,853,052 75,375,984 3 82,129,669 (5) Other Liabilities 118,730,149 117,271,453 1 109,377,567 9 Total liabilities 794,506,039 769,976,088 3 772,337,009 3 Common stock 17,114,211 16,778,638 2 17,114,211 0 Preferred stock 1,500,000 1,500,000 0 1,500,000 0 Total equity attributable to equity holders 185,948,497 164,293,757 13 190,426,230 (2) Minority interests 13,044,594 11,346,370 15 13,274,716 (2) Total equity 198,993,091 175,640,127 13 203,700,946 (2)
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TWSE Code 5871 36 Consolidated Income Statement Summary Source: unaudited financial statements (NTD'000) 2026 1H 2025 1H YOY(%) 2026 2Q 2026 1Q QOQ(%) Sales revenue 4,592,711 4,311,192 7 2,504,126 2,088,585 20 Interest income 37,093,762 38,027,092 (2) 18,478,292 18,615,470 (1) Rental revenue 3,590,717 3,484,915 3 1,789,917 1,800,800 (1) Fee and commission income 2,512,567 3,002,052 (16) 1,258,950 1,253,617 0 Other operating revenue 504,843 455,593 11 265,072 239,771 11 Total operating revenue 48,294,600 49,280,844 (2) 24,296,357 23,998,243 1 Cost of sales 2,635,504 2,539,237 4 1,393,476 1,242,028 12 Interest expense 9,518,554 9,750,618 (2) 4,803,447 4,715,107 2 Cost of rental revenue 2,568,489 2,455,395 5 1,288,190 1,280,299 1 Other operating costs 1,511,245 1,941,160 (22) 737,174 774,071 (5) Total operating costs 16,233,792 16,686,410 (3) 8,222,287 8,011,505 3 Gross profit 32,060,808 32,594,434 (2) 16,074,070 15,986,738 1 Employee compensation and benefits 6,067,268 6,558,014 (7) 2,950,656 3,116,612 (5) Impairment loss on loans, notes and receivables 8,861,602 9,828,533 (10) 4,340,861 4,520,741 (4) Other operating expense 3,047,208 3,195,741 (5) 1,602,870 1,444,338 11 Operating expenses 17,976,078 19,582,288 (8) 8,894,387 9,081,691 (2) Other operating gain and loss 1,001,111 673,796 49 481,424 519,687 (7) Total non-operating revenue and expense 1,276,540 1,787,179 (29) 227,213 1,049,327 (78) Profit before taxation 16,362,381 15,473,121 6 7,888,320 8,474,061 (7) Income tax expense 4,934,015 4,481,933 10 2,357,350 2,576,665 (9) Profit from continuing operations 11,428,366 10,991,188 4 5,530,970 5,897,396 (6) Profit attributable to equity holders 10,826,725 10,497,852 3 5,255,150 5,571,575 (6) Basic EPS (NTD) 5.84 5.69 3 2.65 3.19 (17)
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TWSE Code 5871 37 Industry Exposure Taiwan 2024 Top 5 2025 Top 5 Source: Company, Divided by Internal Outstanding Principal Air Transport Shipping Wholesale Living Consumption Goods Real Estate Wholesale Durables And Industrial Products Shipping Wholesale Living Consumption Goods Real Estate Wholesale Durables And Industrial Products Construction Activities
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TWSE Code 5871 38 Industry Exposure China 2024 Top 5 2025 Top 5 Source: Company, Divided by Internal Outstanding Principal Metalworking Activities And Manufacture of Metal Die and Containers Manufacture of Plastics Products Manufacture of Textiles Accommodation and Food Service Activities Manufacture of Fabricated Metal Products Metalworking Activities And Manufacture of Metal Die and Containers Manufacture of Plastics Products Manufacture of Textiles Accommodation and Food Service Activities Manufacture of Food Products and Beverages
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TWSE Code 5871 39 Consolidated Credit Portfolio Source: unaudited financial statements Unit: NT$ million
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TWSE Code 5871 40 Taiwan Credit Portfolio Source: unaudited financial statements Unit: NT$ million
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TWSE Code 5871 41 China Credit Portfolio Source: unaudited financial statements Unit: RMB million
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TWSE Code 5871 42 Consolidated Delinquency Ratio Source: unaudited financial statements
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TWSE Code 5871 43 Consolidated Allowance to Loan Portfolio Ratio Source: unaudited financial statements
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TWSE Code 5871 44 Taiwan Delinquency Ratio Source: unaudited financial statements
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TWSE Code 5871 45 Taiwan Allowance to Loan Portfolio Ratio Source: unaudited financial statements
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TWSE Code 5871 46 China Delinquency Ratio Source: unaudited financial statements
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TWSE Code 5871 47 China Allowance to Loan Portfolio Ratio Source: unaudited financial statements