CTBC HOLDING — Call Transcript 2026

Mar 18, 2026

CTBC Holding Analyst Meeting Financial Review of 4Q25

Mar 12[th] , 2026 Investor Relations

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 is and to audit or presentation preliminary subject 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. in this should be construed as either an offer to sell or a Nothing presentation solicitation of an offer to buy or sell any securities of the Company.

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© CTBC Financial Holding

CTBC FHC

CTBC Holdin ’s 2025 erformance summar g p y

CTBC Holding

• Record high net profit of NT$80.6bn in 2025, grew 12% YoY, on resilient profitability at CTBC Bank

• Cumulative EPS was NT$4.08; ROE was 16.9%, outperforming FHC peers in Taiwan.

CTBC Bank

• Reported a record high net profit of NT$57.3bn in 2025, leading Taiwan banks. Profit grew 16% YoY, supported by strong net interest income and fee income

• Sound capitalization and stable asset quality

Taiwan Life

• Posted an after-tax profit of NT$20.8bn, down 3% YoY due to a one-off FX reserve allocation in December. FYPs grew 54% YoY in 2025, supported by stronger sales of participating and investment-linked policies

• ◼ Solid capitalization with RBC at 359%

Other

Subsidiaries

• Total net profits from other subsidiaries, including Taiwan Lottery, CTBC Securities, CTBC Investments, and etc. increased 6% YoY, driven by sustained business momentum

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CTBC Holding’s strategic pillars and business focus

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Group-Wide Business Strategies Excellence

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• Focus on core strengths to drive sustainable growth

• • Pursue inorganic growth opportunities with prudence

Brand Digital Strength Capabilities Strengthen alignment and Leverage technology to elevate brand value by driving enhance efficiency and synergy through cross-selling advance sustainability and collaboration

Leverage technology to enhance efficiency and advance sustainability

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Bank

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Insurance

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Securities/SITE

Expand retail banking business

• Strengthen private banking products and investment advisory, and continue advancing family office offerings

• Leverage AI to optimize core business and customer service, boosting business and productivity

Reinforce global network and broaden client base

• Strengthen operations of cross-border platform and regional hubs, while deepening overseas presence to support TW corporate businesses globally

• Enhance the SME business model and broaden the client base in Taiwan

Strengthen profitability

• Align with IFRS 17 and TIS by increasing value-driven product sales and expanding the agent channel to build long-term stable profitability

Optimize investment strategy

• Optimize the investment and adjust strategies dynamically; enhance returns through asset revitalization and participation in public investments

Enhance ALM & capital adequacy

• Continuously improve asset–liability management and mitigate currency mismatch risks

• Maintain the TIS ratio at 125%

Expand overall market share

• Integrate securities platforms, marketing resources, and distribution channels, and leverage group resources to expand the business

Advance product competitiveness

• Strengthen active and passive funds and ETFs business, and develop niche products to drive AUM expansion

• Enhance investment research quality and improve proprietary trading capabilities

© CTBC Financial Holding

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CTBC Holding’s profit hits record high

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Consolidated net profit EPS/DPS
NT$ mn NT$
Dividend payout ratio
YoY +11.9%
2021 2022 2023 2024
45.9% 64.5% 63.8% 63.2%
80,619
72,028
YoY +12.1%
56,081
54,205
4.08
3.64
31,279 2.73 2.82
2.30
1.80
1.55
1.25
1.00
1 1
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
EPS DPS
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CTBC Holding’s numbers are presented on a consolidated basis. 1. 2025 numbers are preliminary.

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CTBC Holding’s ROE outperformed major peers

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ROE ROA
% %
CTBC Holding TW FHCs avg. CTBC Holding TW FHCs avg.
16.88%
16.39%
14.64%
13.70% 0.91%
0.79% 0.86%
0.72%
8.16%
0.44%
1 1
2021 2022 2023 2024 2025 2021 2022 2023 2024 2025
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CTBC Holding’s numbers are presented on a consolidated basis. 1. 2025 numbers are preliminary.

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CTBC Holding’s solid capitalization

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CTBC Holding’s CAR
%
CAR Regulatory requirement
130.9%
118.5% 119.0% 122.7% 125.1%
100%
1
2021 2022 2023 2024 2025
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CTBC Bank’s consolidated CAR [2]
%
CAR Regulatory requirement for D-SIBs - consolidated
14.6% 14.6%
14.1% 13.9%
13.5%
12.5%
1
2021 2022 2023 2024 2025
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Taiwan Life’s RBC ratio %

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RBC Regulatory requirement
359%
342%
328%
305%
275%
200%
1
2021 2022 2023 2024 2025
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CTBC Bank’s consolidated CET1 ratio 2
%
CET1 ratio Regulatory requirement for D-SIBs - consolidated
11.5% 11.1% 11.2% 11.1%
10.7%
9.0%
1
2021 2022 2023 2024 2025
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CTBC Holding’s numbers are presented on a consolidated basis.

1. 2025 numbers are preliminary.

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1. Regulatory requirement for D-SIBs for 2025 on CAR and CET1 is 14.5% and 11.0%, respectively, on a standalone basis.

CTBC Holding’s net profit breakdown by entity

CTBC Holding’s net profit breakdown NT$ mn, %

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QoQ +6.6% QoQ -70.5% QoQ -9.5% QoQ -20.3% 4Q25 Breakdown
6%
1,140 370 19,860
3,109
15,241 16%
78%
4Q25Bank 1 Life 2 Other subsidiaries 3 Holding 4 Holding 4Q25CTBC 1 Bank Life Others3
YoY +15.9% YoY -2.9% YoY +6.3% YoY +11.9%
2025 Breakdown
20,850 4,140 80,619 5%
-1,669
57,298
25%
70%
2025Bank 1 Life 2 Other subsidiaries 3 Holding 4 Holding 2025CTBC 1 Bank Life Others3
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CTBC Holding’s numbers are presented on a consolidated basis.

1. 4Q25/2025 numbers are preliminary.

2. Life’s numbers are presented on a consolidated basis.

3. Other subsidiaries include CTBC Securities, CTBC Venture Capital, CTBC Asset Management, Taiwan Lottery, CTBC Investments, and CTBC Finance.© CTBC Financial Holding 4. Holding (on a non-consolidated basis) is an adjustment item for compiling consolidated statement.

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CTBC Bank

© CTBC Financial Holding

CTBC Bank’s profit leading TW banks

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CTBC Bank’s net profit CTBC Bank’s ROE
NT$ mn %
YoY +15.9% YoY +0.74 ppt
57,298
49,424 13.89%
13.15%
41,333 11.89%
11.35%
37,142
9.47%
29,796
2021 2022 2023 2024 20251 2021 2022 2023 2024 20251
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These numbers are presented on CTBC Bank consolidated basis. 1. 2025 numbers are preliminary.

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CTBC Bank’s revenue breakdown

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CTBC Bank’s revenue breakdown
NT$ mn, %
QoQ +5.1% QoQ -2.9% QoQ +19.2% QoQ +4.0%
YoY +21.6% YoY +10.9% YoY -13.4% YoY +12.2%
4Q24
154,009 172,730 Revenue
25,880 1Q25
24,629
2Q25
22,459
21,814 3Q25
20,784 1
4Q25
51%
55%
NII
15,024
14,189 13,779
12,203 12,199 Fee
32%
7,242 32% Trading &
5,432
5,485 others
5,348
4,600
17%
13%
1
Net interest income Fee income Trading & others 2024 2025
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These numbers are presented on CTBC Bank consolidated basis. 1. 4Q25/2025 numbers are preliminary.

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CTBC Bank’s lending portfolio breakdown

Lending breakdown (incl. credit card revolving balance) NT$ bn, %

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QoQ -2.7% QoQ +5.3% QoQ +4.7% QoQ +2.6% QoQ +2.9%
YoY +2.2% YoY +10.5% YoY +16.9% YoY +11.1% YoY +10.4%
Excl. FX Excl. FX
QoQ +3.1% QoQ +2.1%
YoY +13.5% YoY +11.4%
4Q24 4
3,847 4,246 Total lending
1,507 1Q25
1,452
1,431 1,393
1,364 1,390 1,330 2Q25
1,268 26% 24% Corporate
1,221 3Q25
1,191 4Q25 3 NTD loan
1,112
1,0861,058
1,007 1,029
FCY loan 1
36%
35%
Mortgages
285 290 300 308 317 31% 33%
Unsecured
& others 2
7% 7%
Corporate NTD loan FCY loan 1 Mortgages Unsecured & others 2 Dec 24 Dec 25 3
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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. 4Q25/Dec 25 numbers are preliminary.

4. Total lending portfolio includes performing loans, credit card revolving balance, and non-accrual loans.

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Excl. FX

CTBC Bank’s FCY loan breakdown

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FCY loan breakdown by entity 1, 2
%
OBU+DBU
LHFG
11.9%
18.6%
Overseas
Tokyo Star
branches
Bank
33.0%
22.9%
Other
subsidiaries
13.6%
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FCY loan growth by entity 1, 2
NT$ bn, %
Dec 24 Dec 25
YoY YoY YoY
+6.1% +14.5% +24.3%
YoY YoY YoY
+8.0% +18.7% +29.6%
789 837
502
438
145 180
Overseas subsidiaries Overseas branches OBU+DBU
FCY loan growth by region 1, 21, 2
NT$ bn, %
Dec 24 Dec 25
YoY YoY YoY YoY YoY
+1.7% +17.2% +2.4% +7.1% +24.3%
YoY YoY YoY YoY YoY
+4.0% +17.5% +6.5% +12.0% +29.6%
520
444 388 416
205 209 190 194 180
145
GC SEA NA JP OBU+DBU
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FCY loan breakdown by region 1, 2 FCY loan growth by region 1, 21, 2
% NT$ bn, %
Dec 24 Dec 25
YoY YoY YoY YoY YoY
OBU+DBU +1.7% +17.2% +2.4% +7.1% +24.3%
JP 11.9%
YoY YoY YoY YoY YoY
27.4% GC
13.7% +4.0% +17.5% +6.5% +12.0% +29.6%
520
NA 444 388 416
12.8% SEA
34.3% 205 209 190 194 145 180
GC SEA NA JP OBU+DBU
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,
© CTBC Financial Holding 14
Philippines, Thailand, Vietnam, India); NA: North America (US, Canada); JP: Japan
2. Dec 25 numbers are preliminary.
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CTBC Bank’s deposit mix

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1
Total deposits, NTD, and FCY deposits 1
NT$ bn, %
FCY Deposit
QoQ +1.3%
NTD Deposit YoY +6.6%
5,331 5,422 5,425 5,607 5,681
2,394 2,436
2,290 2,269
2,309
(42.7%) (42.9%)
3,021 3,130 3,155 3,211 3,243
(57.3%) (57.1%)
3
Dec 24 Mar 25 Jun 25 Sep 25 Dec 25
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NTD deposits NT$ bn, %

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Saving
QoQ +1.0%
Time
YoY +7.4%
1,787 1,818 1,838 1,933 60.2% 1,948 60.1%
1,233 1,312 1,316 1,278 39.8% 1,295 39.9%
3
Dec 24 Mar 25 Jun 25 Sep 25 Dec 25
FCY deposits 2
NT$ bn, %
Saving
QoQ +1.7%
Time YoY +5.5%
857 855 874 939 39.2% 954 39.2%
1,452 1,436 1,395 1,455 60.8% 1,482 60.8%
3
Dec 24 Mar 25 Jun 25 Sep 25 Dec 25
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These numbers are presented on CTBC Bank’s consolidated basis.

1. Total deposits include remittances.

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1. FCY saving & time deposits exclude elimination items. 3. Dec 25 numbers are preliminary.

CTBC Bank’s LDR

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Overall LDR [1]
%
2
Overall LDR
76.09%
75.19% 75.39%
74.10%
72.97%
2 2
NTD LDR FCY LDR
84.43% 84.21% 85.10% 85.11% 85.93%
60.55% 63.39% 61.45% 61.37%
58.29%
3
Dec 24 Mar 25 Jun 25 Sep 25 Dec 25
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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.

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1. Loans include both performing and non-accrual loans; deposits are adjusted to exclude structured deposits and remittances. 3. Dec 25 numbers are preliminary.

CTBC Bank’s NIM and spreads

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NIM
%
2025
Pro-forma NIM
(incl. SWAP)
1.66%
1.64%
1.59%
1.56%
1.50%
1.49%
1.45%
1.40%
1 1
4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025
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Overall spread vs. industry
%
Overall spread Industry average
1.96%
1.85% 1.87% 1.90% 1.90%
1.36% 1.34% 1.34% 1.35% 1.37%
1
4Q24 1Q25 2Q25 3Q25 4Q25
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NTD & FX spread %
	1.84% 2.23%	1.78% 1.77% 2.33% 2.35% NTD spread	1.81% 1.84% 2.30% 2.38% 3Q25 4Q25 FCY spread 1
	4Q24	1Q25 2Q25

These numbers are presented on CTBC Bank consolidated basis. 1. 4Q25/2025 numbers are ppreliminary.

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CTBC Bank’s fee breakdown

CTBC Bank’s fee income breakdown NT$ mn, %

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QoQ +1.7% QoQ +11.6% QoQ -0.7% QoQ -41.3% QoQ +15.1% QoQ +2.4% QoQ -2.9%
YoY +10.4% YoY +8.2% YoY +6.0% YoY +17.2% YoY +9.5% YoY +12.8% YoY +10.9%
4Q24 1Q25 2Q25 3Q25 4Q25 2 49,769 55,191 Total fees
7,805
7,671
6,844 Wealth
mgmt.
6,312
5,876 50% 50% Credit cards
Retail
business
3,358
14% 14% Corporate
business
7% 7%
1,876 1,876 2,087 2,124 2,108
1,815 1,871 1,935 Overseas
13% 13%
876 869 902 930 924 1,167 1,238 570 596 686 903 1,040 1,014 1,039 4% 4% subsidiaries
537 545 Lottery
11% 12%
Wealth mgmt. Credit cards Retail business Corporate 1 Overseas Lottery 2024 2025 2
business subsidiaries
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CTBC Bank’s numbers are presented on a consolidated basis. 1. Corporate business excludes overseas subsidiaries. 2. 4Q25/2025 numbers are preliminary.

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CTBC Bank’s wealth management fee

Wealth mgmt. fee breakdown NT$ mn, %

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6,844 6,312 5,876 7,671 7,805 25,057 27,665 Total WM fees
16% 13% 16% 23% 21% 17% 19%
5%
4% 5% 4% Bond & others
5%
5%
4%
34% 26% Custodian &
35% 34% 30% trust
27% 32%
Mutual fund
Bancassurance
53%
45% 48% 46% 43% 46% 47%
1 1
4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025
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1. 4Q25/2025 numbers are preliminary.

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CTBC Bank’s cost-to-income ratio

CTBC Bank’s cost-to-income ratio[1] and revenue & non-interest expense NT$ mn, %

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Cost-to-income ratio
54.0% 52.1% 52.2%
52.5% 52.1% 51.8%
50.7%
Revenue Non-interest expense 172,730
154,009
90,086
45,143
42,270 41,900 43,418 80,237
38,334
24,371
22,032 21,688 21,995
20,137
2 2
4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025
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1. Cost-to-income ratio = (total non-interest expense)/(pre-provision operating revenue) 2. 4Q25/2025 numbers are preliminary.

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CTBC Bank’s asset quality

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NPL ratio [1 ] & NPL coverage ratio Provisions & credit costs
% NT$ mn, %
NPL coverage ratio Credit costs
0.33% 0.34%
0.29% 0.29%
330.7% 322.6% 324.2% 329.6% 0.26%
312.9% 0.22%
0.19%
NPL ratio Provisions 11,857
10,945
0.50%
0.49% 0.49% 0.48% 0.48%
3,552
3,267
2,658
2,380
1,837
Dec 24 Mar 25 Jun 25 Sep 25 Dec 25 2 4Q24 1Q25 2Q25 3Q25 4Q25 2 2024 2025 2
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These numbers are presented on CTBC Bank consolidated basis. 1. NPL refers to loans over 90 days overdue. 2. Dec 25/4Q25/2025 numbers are preliminary.

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Taiwan Life

© CTBC Financial Holding

Taiwan Life’s net profit and ROE

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Taiwan Life’s net profit Taiwan Life’s ROE
NT$ mn %
YoY -2.9% YoY -1.84 ppt
23,131
21,474
20,850
Pro-forma
15.35%
15,729 Pro-forma
14.07%
12.27%
12.24%
12,380 10.52%
Covid policy
loss
(19,136) Covid
policy
loss
-3,407 -2.66%
2021 2022 2 2023 2024 20251 2021 2022 2 2023 2024 2025 1
1. 2025 numbers are preliminary.
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.
© CTBC Financial Holding 23
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Taiwan Life’s premium breakdown

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Total premium breakdown
NT$ bn, %
First year premium
QoQ +5.6%
Renewal premium YoY +20.4%
37.9 38.5 38.4 48.0 50.6
22.7 25.6
12.7 14.2 12.5
25.2 24.3 25.9 25.3 25.0
4Q24 1Q25 2Q25 3Q25 4Q25
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FYP breakdown - by products NT$ bn, %

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48.8 75.1
YoY +53.9%
17.4%
25.7%
Inv-linked
Interest
49.9%
77.0% sensitive
Traditional
21.7%
0.9% Health &PA
4.6% 2.7%
2024 2025
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FYP breakdown - by payment/currency NT$ bn, %

FYP breakdown - by channels NT$ bn, %

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Regular Single Inv-linked FCY NTD Inv-Linked 48.8 75.1
48.8 75.1 48.8 75.1 YoY +53.9%
17.4% 25.7% 17.4% 25.7% 39.2% 46.1% Bank-CTBC
31.6% 36.9% Bank-External
26.2%
32.6%
29.8%
25.9% Tied Agent
Brokers
50.9% 41.7% 45.7% 48.1% 18.7% 13.4% 1
Others
14.6%
12.0%
0.3% 0.1%
2024 2025 2024 2025 2024 2025
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1. Others include tel-marketing and inter-group channels

2. Source: Life Insurance Association and Taiwan Insurance Institution

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Taiwan Life - Investment portfolio breakdown

Total investment portfolio breakdown NT$bn %	Total investment portfolio breakdown NT$bn %	Total investment portfolio breakdown NT$bn %	Total investment portfolio breakdown NT$bn %	Total investment portfolio breakdown NT$bn %	Total investment portfolio breakdown NT$bn %	Total investment portfolio breakdown NT$bn %
,
	1,979		1,992		2,008		2,039		4.3% 7.1% 59.1% 11.4% 2.3% 1.3% 6.0% 8.5% Dec 25 Mutual fund Real estate Policy loan Secured loan Equities Overseas fixed income Domestic fixed income Deposit and cash equivalents 9.42% 0.60% 4.69% 2.83% 16.37% 4.16% 1.65% 1.33% Total investment assets 2,094 Return 1 2 3
	3.5% 7.7% 59.9% 10.5% 2.2% 1.3% 5.6% 9.2%								4.3% 7.1% 59.1% 11.4% 2.3% 1.3% 6.0% 8.5% Dec 25 Mutual fund Real estate Policy loan Secured loan Equities Overseas fixed income Domestic fixed income Deposit and cash equivalents 9.42% 0.60% 4.69% 2.83% 16.37% 4.16% 1.65% 1.33% 2 3
		9.2%		9.2%		8.6%		9.2%		8.5%
			1.3% 5.6%		23% 1.3% 5.5%		1.3% 5.5%
		10.5% 2.2%		11.7% 2.3%		10.6% .		9.9% 2.3%		11.4% 2.3%
		59.9%		59.2%		58.7%		59.2%		59.1%
		7.7%		7.6%		7.5%		7.4%		7.1%
		3.5%		3.1%		5.5%		5.2%		4.3%
	Dec 24		Mar 25		Jun 25		Sep 25

1. Annualized return for each type of investment assets is pre-hedge

2. Part of the real estate project construction work is underway

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1. Include CTBC Insurance and other investments under equity method

Taiwan Life - Investment yield and cost of liabilities

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Total investment yield 1
%
YoY+0.29ppt
4.42%
4.13%
4.00%
3.49%
2.61%
2021 2022 2023 2024 2025
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Breakeven point 3
%
YoY+0.08ppt
2.91% 2.93% 3.01%
2.73% 2.68%
2021 2022 2023 2024 2025
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Recurring yield 2
%
YoY-0.13ppt
3.64% 3.73% 3.60%
3.31%
2.35%
2021 2022 2023 2024 2025
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Cost of liabilities (reserve base)
%
YoY+0.05ppt
3.21% 3.27% 3.32%
3.05% 3.11%
2021 2022 2023 2024 2025
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1. Investment yield is after hedge. The total investment yield is calculated before the additional FX reserves taken in July and December 2025. 2. Recurring yield is before hedge

2. Breakeven point = (net investment income – profit before tax)/average of investment assets

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Taiwan Life – Hedging & FX reserve

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FX reserve balance
2025 FCY investment hedging structure 1
NT$ mn
2 3 27,933
FCY policy Hedged Equity-OCI Unhedged
12,215
10,595
5,986
2,944
4
2021 2022 2023 2024 2025
NTD policy Unhedged
17%
Hedging cost (overseas asset-based)
Hedged 53%
Equity-OCI FCY policy %
9% 42%
Equity-
16%
OCI
Unhedged 30% Hedged 1.46%
31%
1.19%
0.91%
0.74%
0.15%
2021 2022 2023 2024 20254
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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. © CTBC Financial Holding

5. 1. 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. 2025 hedging cost excludes additional FX reserves.

27

IFRS17 ado tion im act — balance sheet p p

Asset

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Liability

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• To align with fair-value liability measurement, Taiwan Life shifted certain bonds from AC to FVOCI to improve asset–liability matching and reduce interest-rate-driven net-worth volatility.

• With the phase-out of the overlay approach, most equity holdings were also reclassified to FVOCI based on long-term investment purpose.

• Insurance liabilities are measured at fair value and comprise BEL, RA, and CSM.

• The CSM represents the present value of future unearned profits and is recognized in P&L over the coverage period

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Equity

• The adoption of IFRS 17 reduced net worth by approximately NT$1.3bn, while the accounting reclassification of assets further decreased it by NT$12.2bn. In total, net worth declined by NT$13.5bn, and the net worth ratio dropped from 8.1% to 7.5%

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IFRS 9 IFRS 9 IFRS 4 IFRS 17
(with overlay) (after reclassification) Net worth
8.1% 7.5%
PL ratio
PL
1%
10%
-1.3
-12.2
Overlay
24%
AC AC
Net worth
61% OCI 46% NT$ bn 177.4 163.9
OCI
14%
43%
IFRS4 Net worth Impact of IFRS17 Impact of asset IFRS17 Net worth
2025/12/31 2026/1/1
reclassification
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1. Measured as a proportion based on financial statement carrying amounts, excluding equity-method investments, cash, real estate and other similar items from financial assets

28

© CTBC Financial Holding

IFRS17 ado tion im act — income statement p p

Key financial statement adjustments

P&L

1. Measurement of insurance revenue and profitability: from cash basis → to CSM release

~~IFRS 17~~

• New contracts no longer show first-year losses

• CSM becomes the primary source of stable earnings

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Impact

• The opening CSM balance will be released gradually over time

• The CSM of new business in 2026 is expected to see a double-digit growth

2. COL measurement:

• ~~IFRS 17~~ from locked-in pricing rates → to current interest-rate curves

• Applying the current yield curve, characterized by lower front-end rates and higher long-end rates, results in a lower initial liability cost.

The cost of liabilities is expected to decline in 2026, widening the interest spread

3. Equity asset accounting: overlay approach discontinued

• ~~IFRS 9~~ • Most equity assets are reclassified to FVOCI, so market fluctuations and capital gains or losses affect only net worth and OCI, without impacting current-period P&L

With most equity assets reclassified to FVOCI, the impact of capital gains or losses on 2026 P&L will decrease (these amounts are recognized in OCI)

• FX 4. Unrealized FX gains and losses on AC bonds can be amortized

• Accounting Valuation over time rather than fully recognized in current P&L •

• Adjustment Mitigate the impact of FX volatility on P&L 5. IFRS 15: changes in the recognition of income

• IFRS 15 and expenses for investment-linked policies • Revenues (e.g., account maintenance fees) and expenses (e.g., commissions) are now recognized on an amortized basis

Adjust hedging ratios based on market conditions to reduce hedging costs

• Under the amortization approach, first-year expenses will be reduced

• The one-off impact from existing contracts was recognized in P&L in January 2026

OCI

Other comprehensive income will reflect the effectiveness of fair-value matching between assets and liabilities ~~IFRS 9&17~~

• OCI reflects MTM valuation changes in assets driven by interest-rate movements, which occur simultaneously in liabilities

With measurement of insurance liabilities at fair value, bonds were reclassified from AC to FVOCI to enhance the fair-value matching between assets and liabilities and lower net worth volatility from interest rate movements

29

© CTBC Financial Holding

Implementation of Taiwan Insurance Solvency (TIS)

	Implementation of Taiwan Insurance Solvency (TIS)
	RBC As of 2025/12 359% 125% TIS 2026 1
	Item RBC TIS 1 Minimum statutory requirements 𝐸𝑙𝑖𝑔𝑖𝑏𝑙𝑒𝑐𝑎𝑝𝑖𝑡𝑎𝑙 0.5×𝑅𝑖𝑠𝑘𝑐𝑎𝑝𝑖𝑡𝑎𝑙𝑟𝑒𝑞𝑢𝑖𝑟𝑒𝑚𝑒𝑛𝑡≥200% 𝐸𝑙𝑖𝑔𝑖𝑏𝑙𝑒𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑅𝑖𝑠𝑘𝑐𝑎𝑝𝑖𝑡𝑎𝑙𝑟𝑒𝑞𝑢𝑖𝑟𝑒𝑚𝑒𝑛𝑡≥100% Capital requirement threshold 1-year VaR95% 1-year VaR99.5% Valuation principles Asset:① bonds at amortized cost ② equities at a six-month average price Liability: statutory reserves (locked-in rate) Asset: Fair value Liability:Current estimate + risk adjustment (MOCE2) Eligible capital Shareholders’ equity + adjustment items (e.g., sub debts) Shareholders’ equity + fair value adjustments on assets and liabilities + adjustment items (such as sub debts and own-funds transitional measures) Risk capital Factor-based approach Stress-testing approach + Factor-based approach
	1. TIS：Taiwan Insurance Solvency
	© CTBC Financial Holding 30 2. MOCE：Margin over current estimate

30

© CTBC Financial Holding

ESG Highlights

© CTBC Financial Holding

CTBC’s 2050 net-zero blueprint

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2012

• Among the first group of CDP signatories

2050 Achieve net-zero emissions

2019

Signed on or voluntarily adopted:

• Equator Principles (EPs)

• Principles for Responsible Investment (PRI)

• Principles for Sustainable Insurance (PSI)

• Principles for Responsible Banking (PRB)

2020

Joined:

• the Task Force on Climate-related Financial Disclosures (TCFD)

• the Partnership for Carbon Accounting Financials (PCAF)

• the Global Impact Investing Network (GIIN)

2022

• 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

2023

• Released Sustainable Finance Statement, committing to exit investments and financing in the coal and unconventional oil and gas industries

• Received approval for Science Based Targets (SBTs)

• Published Taiwan's first report based on the TNFD framework

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2024

• Launched the first-of-its-kind Green GPT chatbot to help clients calculate their carbon footprints

• The only bank in Taiwan acting as the local financial adviser for six offshore wind farm project developers in total

2025

• Launched the industry’s first “AI Carbon Finance Management Platform —

PathMatch” to support financial institutions in managing their Science-Based Targets (SBTs)

• Partnered with Taijiang National Park to establish Taiwan’s first national-parkdesignated Other Effective Area-Based Conservation Measure (OECM)

2027

• Achieve SBT Scope 3 carbon reduction targets for corporate lending and investments in listed stocks, bonds, ETFs, and mutual funds

2035

• 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

32

© CTBC Financial Holding

Highlights on social responsibility

Over NT$2.9B raised by Light up a Life

The 40th “Light Up a Life” campaign raised nearly NT$80 million, bringing the cumulative donations to over NT$2.9 billion and benefiting more than 760,000 children

Best company to work for in Asia

In 2025, we were honored with HR Asia's Best Companies To Work For In Asia award for the eighth consecutive year.

Over NT$280M approved under CTBC Poverty Alleviation Program

The program provides emergency financial assistance for families in crisis and offers microloans for entrepreneurship. To date, it has approved 581 loan applications, with total approved loans of nearly NT$280 million.

The Asset - Best initiative in social responsibility in Asia Pacific

CTBC Bank promoted The CTBC Youth Basketball Project, which integrates basketball, anti-drug education, and financial literacy, has helped atrisk youth return to school.

Nearly 8,000 participants benefited from The CTBC Youth Baseball Project

The Project provides funding to youth baseball teams in rural areas and has successfully nurtured 42 Chinese Taipei national team players and 19 Chinese Professional Baseball League athletes.

Over 145,000 participants reached through anti-drug efforts

A total of 145,449 participants took part in the anti-drug efforts. Through regional touring exhibitions and public and campus outreach activities, the program reached 263 schools.

33

© CTBC Financial Holding

Highlights on governance

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57%

Independent Directors

Corporate Governance

• CTBC Holding is Taiwan’s first financial holding company with a majority of independent directors. Among its seven board members, one is female and four are independent directors.

• The Board operates six functional committees: Audit, Remuneration, Risk Management, Nomination, Ethics and Integrity, and Sustainability.

• • In 2026, CTBC established the Chief Sustainability Officer (CSO) position to lead the Group’s sustainability strategy and roadmap.

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6

Functional committees

100%

In person attendance rate

Information Security

• CTBC Bank and Taiwan Life have obtained ISO 27001 Information Security Management Systems and BS 10012 Personal Information Management System certifications.

• CTBC Securities and CTBC Investments have also obtained ISO 27001 certifications.

Regulatory Compliance

• Establish a fraud prevention program:

• CTBC has completed its “Anti-Fraud Policy,” defining fraud types, the Group’s joint defense mechanism, and reporting/handling procedures. The policy will take effect on July 1, 2026, and serve as a unified guideline across the Group.

Ethics and integrity

• CTBC Holding has established a whistleblowing mechanism that allows internal and external parties to report illegal or unethical behavior, anonymously or with identity disclosed. The company strictly prohibits any retaliation to protect whistleblowers’ rights and interests.

34

© CTBC Financial Holding

ESG recognitions and index highlights

Sustainalytics (NegligibleS&P Global ESG (0-100, FTSE Russell (0-5, with MSCI ESG (AAA-CCC, with Severe, with Negligible ISS ESG (A-D, with A CDP (A-D-, with A with 100 indicating the 5 indicating the best AAA indicating the best indicating the best indicating the best indicating the best best performance) performance) performance) performance) performance) performance) 90 4.1 AA Low Risk C A

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Sustainability Index
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S&P Dow Jones Indices (DJSI) World Index and Emerging Markets Index

MSCI Indices FTSE4Good Index ESG Leaders Index Emerging Markets Index

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Recent sustainability awards
The Asset
Global Finance Corporate Sustainability Leadership Awards — Platinum
International Data Corporation
Sustainable Finance Deal of Best Investor Relations Team in Asia Pacific
Leader in Sustainable Finance in Asia
the Year, Global Best Initiative in Social Responsibility in Asia Pacific
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© CTBC Financial Holding

35

CTBC Holding

Analyst Meeting Financial Review of 4Q25 Appendix

March 12, 2026 Investor Relations

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.

37

CTBC Holding’s Summary Ratios

	Yearly Results	YTD Results 4Q24 1Q25 2Q25 3Q25 4Q251 12M251 0.69 1.02 0.76 1.28 1.02 4.08 - - - - - - 23.14 23.74 21.00 23.50 24.82 24.82 19,620 19,653 19,650 19,650 19,678 19,678 0.63% 0.91% 0.73% 1.14% 0.89% 0.91% 11.55% 17.30% 14.25% 22.55% 16.50% 16.88% 120.4% 120.0% 125.9% 123.5% 122.3% 122.3% 5.52% 5.50% 5.27% 5.23% 5.50% 5.52% 122.7% 125.9% 115.8% 125.6% 125.1% 125.1% 13.89% 14.33% 13.79% 14.72% 14.58% 14.58% 12.27% 12.68% 11.99% 12.50% 12.38% 12.38% 11.23% 11.65% 10.94% 11.20% 11.14% 11.14% Quarterly results
	2022 2023 2024
Per Share Data (Reported) EPS (after-tax) (NT$) DPS (NT$) BVPS (NT$) Common shares outstanding (million share) DuPont Analysis ROAA (after-tax)(%)2 ROAE (after-tax)(%)2 Leverage & Solvency Ratios Double Leverage Ratio (%) Avg. Equity / Avg. Assets (%) CAR - FHC (%) CAR - Bank3(%) Tier 1 Ratio - Bank3(%) CET1 Ratio - Bank3(%)	1.55 2.82 3.64 1.00 1.80 2.30 17.34 20.98 23.14 19,584 19,623 19,620 0.44% 0.72% 0.86% 8.16% 14.64% 16.39% 121.5% 118.4% 120.4% 5.40% 5.06% 5.40% 118.5% 119.0% 122.7% 14.06% 13.48% 13.89% 12.28% 11.80% 12.27% 11.08% 10.71% 11.23%

1. 4Q25/12M25 numbers are preliminary.

2. ROAA/ROAE are calculated on an annualized basis.

3. CTBC are calculated on a consolidated basis.

38

CTBC Bank’s Summar Ratios Consolidated y ( )

%	Yearly Results	YTD Results 4Q24 1Q25 2Q25 3Q25 4Q251 12M251 3.49% 4.96% 2.95% 9.66% 5.08% 21.57% -3.88% 23.11% -18.80% 16.32% -2.89% 10.89% 0.30% 2.27% 6.52% -0.17% 6.62% 15.93% 1.30% 5.96% -0.79% 2.08% 2.87% 10.39% 1.72% 1.70% 0.07% 3.35% 1.31% 6.55% 72.97% 74.10% 76.09% 75.19% 75.39% 75.19% 1.45% 1.49% 1.50% 1.59% 1.64% 1.56% 54.2% 51.6% 53.6% 56.7% 57.3% 54.9% 31.8% 35.5% 29.1% 32.7% 30.5% 32.0% 52.5% 52.1% 51.8% 50.7% 54.0% 52.2% 0.49% 0.49% 0.48% 0.48% 0.50% 0.50% 1.73% 1.70% 1.66% 1.67% 1.63% 1.63% 330.74% 322.60% 324.16% 329.63% 312.90% 312.90% 0.19% 0.33% 0.26% 0.34% 0.22% 0.29% Quarterly Results
	2022 2023 2024
Bank Growth Ratios NII growth Fee growth Net profit growth Bank Performance Ratios Loan growth Deposit growth Avg. Loan-to-Deposit Ratio NIM NII / Operating income Fee / Operating income Cost-to-income ratio Asset Quality Ratios NPLs / Total Loans Reserve / Total Loans2 Reserve / NPLs Provision/Avg. Loans & Revolv. Bal.3	27.33% 3.59% 0.24% -7.64% 12.73% 27.06% 24.66% 11.28% 19.58% 17.24% 7.64% 9.03% 12.23% 8.35% 6.62% 71.43% 72.23% 72.35% 1.57% 1.49% 1.40% 63.2% 56.4% 50.6% 29.3% 28.4% 32.3% 53.2% 55.2% 52.1% 0.49% 0.52% 0.49% 1.70% 1.72% 1.73% 332.15% 309.64% 330.74% 0.26% 0.25% 0.29%

1. 4Q25/12M25 numbers are preliminary.

2. Effective 4Q11, calculation excluding government loan by regulatory definition.

3. Numbers are calculated on an annualized basis.

39

Balance Sheet of CTBC Holding and its major subsidiaries as of Dec 31, 2025[1]

NT$mm	CTBC Bank (consolidated)	Taiwan Life (consolidated)	CTBC Securities	CTBC Capital	CTBC Finance	CTBC AMC	Taiwan Lottery	CTBC Investment	CTBC FHC (consolidated) 3
Assets:
Cash and due from banks	589,988	66,785	1,535	2,259	411	176	192	516	641,749
Securities, net	1,701,682	1,834,449	30,959	9,942	285	10	0	1,343	3,579,465
Loans, net	4,161,604	74,056	0	0	454	0	0	0	4,236,002
A/R, net	200,359	45,215	27,652	12,151	11,950	41	1,377	253	296,382
LT investments, net	3,409	19,160	(0)	43	0	0	0	0	22,670
Land, premises and equipments, net	41,148	10,244	221	41	1,170	1	196	36	55,667
Others	182,847	295,449	18,216	812	220	4,947	408	157	499,152
Total Assets	6,881,036	2,345,358	78,583	25,247	14,491	5,174	2,172	2,304	9,331,087
Liabilities:
Deposits	5,680,752	0	0	0	0	0	0	0	5,651,587
Other liabilities	739,754	2,166,583	66,058	17,576	12,568	2,700	614	777	3,130,218
Total liabilities	6,420,506	2,166,583	66,058	17,576	12,568	2,700	614	777	8,781,805
Minority interests2	29,558	1,346	0	33	0	0	0	0	30,938
Total stockholders' equity	430,971	177,428	12,525	7,639	1,923	2,474	1,558	1,526	518,343
Total liabilities and stockholders'
equity	6,881,036	2,345,358	78,583	25,247	14,491	5,174	2,172	2,304	9,331,087

1. These numbers are preliminary.

2. The increase is due to the consolidation of LHFG into Bank’s consolidated balance sheet in 4Q21.

3. FHC consolidated assets include accounting eliminations

40

P&L of CTBC Holding and its subsidiaries for the year ended Dec 31 2025[1] ,

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CTBC Bank Taiwan Life CTBC CTBC CTBC CTBC Taiwan CTBC CTBC FHC 6
NT$mm
(consolidated) (consolidated) Securities Capital Finance AMC Lottery Investment (consolidated)
Operating income
Net interest income 94,782 52,973 313 980 342 (43) 3 18 148,094
Fee income 55,191 (16,279) 2,687 156 54 0 2,403 2,097 43,629
Insurance business income2 0 (20,677) 0 0 0 0 0 0 (20,840)
Trading,Derivatives & FX 22,153 27,357 2,116 867 18 1 0 5 52,587
LT investment income 217 1,001 0 (0) 0 0 0 0 1,225
Other income (loss)3 388 (17,149) (191) 1,413 (9) 84 23 (3) (16,237)
Operating revenue 172,730 27,226 4,925 3,416 404 41 2,428 2,118 208,457
Operating expenses4 (90,086) (6,861) (2,822) (1,904) (303) (65) (1,363) (1,019) (102,919)
Credit loss provisions, net (11,857) (480) (1) (949) (31) 0 0 0 (13,318)
Profit before income tax 70,788 19,885 2,103 563 69 (24) 1,065 1,099 92,220
Profit after income tax5 57,298 20,850 1,826 539 53 (17) 857 883 80,619
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1. These numbers are preliminary.

2. Includes premium income, insurance claims & payment, insurance reserve, reinsurance expense, underwriting expense and other expense.

3. Includes Life’s foreign exchange reserve.

4. Operating expenses include business tax.

5. Net profit after Income Tax is excluding Minority Interest Income.

6. FHC consolidated assets include accounting eliminations

41

CTBC Holding’s Balance Sheet (Consolidated)

NT$mm, %	Yearly Results	Dec 24 Mar 25 Jun 25 Sep 25 Dec 251 QoQ(%) YoY(%) 576,691 515,533 648,439 666,116 641,749 -3.7% 11.3% 3,564,179 3,548,252 3,297,051 3,409,930 3,579,465 5.0% 0.4% 3,835,335 4,063,656 4,034,035 4,117,087 4,236,002 2.9% 10.4% 282,520 291,051 283,777 298,905 296,382 -0.8% 4.9% 20,951 21,315 20,560 22,478 22,670 0.9% 8.2% 50,394 50,327 51,408 53,166 55,667 4.7% 10.5% 509,541 490,986 494,961 465,000 499,152 7.3% -2.0% 8,839,610 8,981,120 8,830,232 9,032,682 9,331,087 3.3% 5.6% 5,312,280 5,401,104 5,400,065 5,560,888 5,651,587 1.6% 6.4% 3,016,978 3,055,813 2,961,084 2,951,300 3,130,218 6.1% 3.8% 8,329,258 8,456,917 8,361,150 8,512,188 8,781,805 3.2% 5.4% 26,404 27,593 26,461 28,754 30,938 7.6% 17.2% 483,948 496,610 442,621 491,739 518,343 5.4% 7.1% 8,839,610 8,981,120 8,830,232 9,032,682 9,331,087 3.3% 5.6% Quarterly Results
	2022 2023 2024
Assets: Cash and due from banks Securities, net Loans, net A/R, net LT investments, net Land, premises and equipments, net Others	630,445 683,063 576,691 3,074,839 3,305,126 3,564,179 3,280,389 3,524,919 3,835,335 225,069 257,744 282,520 15,748 18,667 20,951 49,233 50,104 50,394 444,771 464,513 509,541
Total assets	7,720,493 8,304,135 8,839,610
Liabilities: Deposits Other liabilities	4,582,271 4,976,248 5,312,280 2,745,400 2,862,542 3,016,978
Total liabilities	7,327,671 7,838,789 8,329,258
Minority interests2	23,326 23,596 26,404
Total stockholders' equity	369,496 441,750 483,948
Total liabilities and stockholders' equity	7,720,493 8,304,135 8,839,610

1. Dec 25 numbers are preliminary.

2. The increase is due to the consolidation of LHFG into Bank’s consolidated balance sheet in 4Q21.

42

CTBC Holding’s P&L (Consolidated)

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Yearly Results Quarterly Results YTD Results
NT$mm, %
2022 2023 2024 4Q24 1Q25 2Q25 3Q25 4Q251 QoQ % 12M24 12M251 YoY %
Operating Income
Net interest income 127,117 132,066 133,370 34,767 35,517 35,768 37,395 39,414 5.4% 133,370 148,094 11.0%
Fee income 27,468 28,600 41,736 10,377 12,909 10,000 10,606 10,114 -4.6% 41,736 43,629 4.5%
Insurance business income2 (59,302) (35,439) (37,599) (9,672) (9,133) (8,683) 5,742 (8,766) -252.7% (37,599) (20,840) 44.6%
Trading, Derivative & FX 42,859 31,033 59,389 5,488 17,327 (4,241) 17,240 22,261 29.1% 59,389 52,587 -11.5%
LT investment income (38) 582 241 (5) 277 206 892 (151) -116.9% 241 1,225 408.0%
Other income (loss)3 (10,668) 6,423 (4,241) 1,074 (4,369) 11,596 (14,019) (9,445) 32.6% (4,241) (16,237) -282.9%
Operating Revenue 127,436 163,266 192,897 42,030 52,528 44,645 57,858 53,427 -7.7% 192,897 208,457 8.1%
Operating expenses4 (71,401) (86,658) (92,692) (22,951) (24,394) (24,993) (25,439) (28,093) 10.4% (92,692) (102,919) 11.0%
Credit loss provisions, net (8,986) (9,674) (12,115) (2,294) (3,563) (2,780) (3,898) (3,077) -21.1% (12,115) (13,318) 9.9%
Net profit before income tax 47,049 66,934 88,090 16,784 24,571 16,871 28,521 22,256 -22.0% 88,090 92,220 4.7%
Net profit after income tax5 31,279 56,081 72,028 13,379 19,908 15,932 24,919 19,860 -20.3% 72,028 80,619 11.9%
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1. 4Q25/12M25 numbers are preliminary.

2. Includes premium income, insurance claims & payment, insurance reserve, reinsurance expense, underwriting expense and other expense.

3. Includes Life’s foreign exchange reserve.

4. Operating expenses include business tax.

5. Net profit after Income Tax is excluding Minority Interest Income.

43

CTBC Bank’s Balance Sheet (Consolidated)

NT$mm, %	Yearly Results	Dec 24 Mar 25 Jun 25 Sep 25 Dec 251 QoQ(%) YoY(%) 538,107 487,417 578,587 598,872 589,988 -1.5% 9.6% 1,728,351 1,681,415 1,601,835 1,630,229 1,701,682 4.4% -1.5% 3,768,167 3,994,246 3,963,488 4,044,888 4,161,604 2.9% 10.4% 194,382 201,465 188,613 216,037 200,359 -7.3% 3.1% 3,504 3,686 3,151 3,251 3,409 4.9% -2.7% 40,902 40,746 40,404 40,482 41,148 1.6% 0.6% 199,679 181,646 188,780 167,677 182,847 9.0% -8.4% 6,473,093 6,590,620 6,564,859 6,701,435 6,881,036 2.7% 6.3% 5,331,303 5,421,721 5,425,296 5,607,043 5,680,752 1.3% 6.6% 721,581 729,617 725,170 656,951 739,754 12.6% 2.5% 6,052,884 6,151,338 6,150,465 6,263,994 6,420,506 2.5% 6.1% 26,345 27,529 26,407 28,683 29,558 3.1% 12.2% 393,863 411,752 387,986 408,758 430,971 5.4% 9.4% 6,473,093 6,590,620 6,564,859 6,701,435 6,881,036 2.7% 6.3% Quarterly Results
	2022 2023 2024
Assets: Cash and due from banks Securities, net Loans, net A/R, net LT investments, net Land, premises and equipments, net Others	579,748 634,097 538,107 1,374,717 1,553,415 1,728,351 3,210,623 3,456,021 3,768,167 169,518 190,617 194,382 3,112 3,588 3,504 41,042 40,909 40,902 158,413 167,650 199,679
Total assets	5,537,173 6,046,297 6,473,093
Liabilities: Deposits Other liabilities	4,614,616 5,000,082 5,331,303 561,549 664,902 721,581
Total liabilities	5,176,165 5,664,984 6,052,884
Minority interests2	23,317 23,521 26,345
Total stockholders' equity	337,691 357,791 393,863
Total liabilities and stockholders' equity	5,537,173 6,046,297 6,473,093

1. Dec 25 numbers are preliminary.

2. The increase is due to the consolidation of LHFG into Bank’s consolidated balance sheet in 4Q21.

44

CTBC Bank’s P&L (Consolidated)

NT$ mm, %	Yearly Results	4Q24 1Q25 2Q25 3Q25 4Q251 QoQ % 12M24 12M251 YoY% 20,784 21,814 22,459 24,629 25,880 5.1% 77,966 94,782 21.6% 12,203 15,024 12,199 14,189 13,779 -2.9% 49,769 55,191 10.9% 5,000 6,182 6,676 4,536 4,759 4.9% 26,483 22,153 -16.4% 9 104 27 8 78 918.5% 35 217 526.8% 338 (854) 539 56 647 1065.9% (244) 388 259.1% 38,334 42,270 41,900 43,418 45,143 4.0% 154,009 172,730 12.2% (20,137) (22,032) (21,688) (21,995) (24,371) 10.8% (80,237) (90,086) 12.3% 18,198 20,237 20,211 21,423 20,772 -3.0% 73,772 82,644 12.0% (1,837) (3,267) (2,658) (3,552) (2,380) -33.0% (10,945) (11,857) 8.3% 16,360 16,970 17,553 17,871 18,393 2.9% 62,827 70,788 12.7% 13,145 13,443 14,319 14,295 15,241 6.6% 49,424 57,298 15.9% Quarterly Results YTD Results
	2022 2023 2024
Operating Income Net interest income Fee income Trading, Derivatives & FX LT investment income Other income (loss)	75,086 77,779 77,966 34,748 39,171 49,769 9,726 21,705 26,483 180 367 35 (973) (1,226) (244)
Operating Revenue	118,767 137,795 154,009
Operating expenses2	(63,151) (76,007) (80,237)
Pre-provision profit	55,615 61,788 73,772
Credit loss provisions, net	(8,178) (8,764) (10,945)
Net profit before income tax	47,438 53,025 62,827
Net profit after income tax3	37,142 41,333 49,424

1. 4Q25/12M25 numbers are preliminary.

2. Operating expenses include business tax.

3. Net profit after Income Tax is excluding Minority Interest Income.

45

CTBC Bank’s Loan Breakdown (Consolidated)

NT$mm, %	Yearly Results	Quarterly Results
	2022 2023 2024	Dec 24 Mar 25 Jun 25 Sep 25 Dec 251	QoQ(%) YoY(%)
Corporate loans	892,845 952,551 1,007,035	1,007,035 1,112,273 1,085,680 1,057,883 1,028,894	-2.7% 2.2%
Manufacturing Commerce & services Govt & non-profit org. Construction & real estate Finance & insurance Others2	208,757 207,374 200,371 121,857 115,439 97,696 172,017 229,464 266,343 103,433 105,564 121,096 95,010 93,459 100,461 191,771 201,250 221,068	200,371 233,494 233,307 222,758 217,145 97,696 112,705 115,089 122,770 125,893 266,343 309,313 267,157 232,701 182,639 121,096 119,478 125,751 125,058 131,951 100,461 115,232 114,059 118,152 138,870 221,068 222,052 230,318 236,445 232,397	-2.5% 8.4% 2.5% 28.9% -21.5% -31.4% 5.5% 9.0% 17.5% 38.2% -1.7% 5.1%
Mortgages Unsecured & others3	963,661 1,104,839 1,191,128 211,420 239,868 267,488	1,191,128 1,220,656 1,267,862 1,330,191 1,392,947 267,488 272,777 282,827 291,012 298,688	4.7% 16.9% 2.6% 11.7%
Total NTD Loans	2,067,925 2,297,258 2,465,651	2,465,651 2,605,706 2,636,369 2,679,087 2,720,529	1.5% 10.3%
Total Foreign currency loans	1,195,318 1,215,283 1,364,173	1,364,173 1,452,308 1,389,718 1,430,678 1,507,214	5.3% 10.5%
Total Loan	3,263,243 3,512,541 3,829,824	3,829,824 4,058,014 4,026,087 4,109,765 4,227,743	2.9% 10.4%

1. Dec 25 numbers are preliminary.

2. Others include micro business loan.

3. Unsecured & other loans include NTD non-accrual loans.

46

CTBC Bank’s Deposit Breakdown (Consolidated)

Yearly Results

Quarterly Results

NT$mm, %	2022 2023 2024	Dec 24 Mar 25 Jun 25 Sep 25 Dec 251 QoQ(%) YoY (%) 463,636 485,520 484,442 493,961 526,321 6.6% 13.5% 1,323,756 1,332,735 1,353,922 1,438,745 1,421,945 -1.2% 7.4% 1,787,392 1,818,256 1,838,364 1,932,706 1,948,266 0.8% 9.0% 509,408 567,054 557,175 503,087 509,034 1.2% -0.1% 723,900 744,878 759,232 775,123 786,072 1.4% 8.6% 1,233,308 1,311,933 1,316,407 1,278,210 1,295,106 1.3% 5.0% 1,567 1,217 1,314 2,163 1,813 -16.2% 15.7% 2,309,036 2,290,315 2,269,210 2,393,964 2,435,567 1.7% 5.5% 5,331,303 5,421,721 5,425,296 5,607,043 5,680,752 1.3% 6.6%
Demand & savings Checking & demand deposits Saving deposits	384,798 398,774 463,636 1,200,657 1,282,124 1,323,756
Sub-total-Demand & savings	1,585,455 1,680,898 1,787,392
Time & time savings Time deposits (incl. CD) Time saving deposits	418,196 485,131 509,408 575,393 667,633 723,900
Sub-total-Time & time savings	993,589 1,152,764 1,233,308
Remittances	2,145 1,701 1,567
Foreign currency deposits	2,033,427 2,164,719 2,309,036
Total deposits	4,614,616 5,000,082 5,331,303

1. Dec 25 numbers are preliminary.

47

CTBC Bank’s Spread (Consolidated)

%	Yearly Results	4Q24 1Q25 2Q25 3Q25 4Q251 QoQ (Chg) 12M24 12M251 YoY (Chg) Quarterly Results YTD Results
	2022 2023 2024
NTD Lending rate Deposit rate	2.13 2.66 2.77 0.43 0.82 0.95	2.83 2.80 2.80 2.81 2.84 0.02 2.77 2.81 0.05 0.98 1.02 1.03 1.00 0.99 (0.01) 0.95 1.01 0.06 1.84 1.78 1.77 1.81 1.84 0.03 1.82 1.80 (0.02) 4.74 4.66 4.51 4.42 4.36 (0.06) 4.90 4.49 (0.42) 2.51 2.33 2.17 2.11 1.98 (0.14) 2.63 2.14 (0.49) 2.23 2.33 2.35 2.30 2.38 0.08 2.27 2.34 0.07 3.50 3.45 3.40 3.37 3.37 0.01 3.51 3.40 (0.12) 1.65 1.58 1.50 1.47 1.42 (0.05) 1.68 1.49 (0.19) 1.85 1.87 1.90 1.90 1.96 0.06 1.83 1.91 0.08 1.45 1.49 1.50 1.59 1.64 0.05 1.40 1.56 0.16
NTD spread2	1.70 1.85 1.82
Foreign currency Lending rate Deposit rate	3.32 4.80 4.90 0.72 2.24 2.63
Foreign currency spread2	2.60 2.56 2.27
NTD & foreign currency Lending rate Deposit rate	2.58 3.41 3.51 0.56 1.43 1.68
Overall spread2	2.02 1.98 1.83
NIM	1.57 1.49 1.40

1. 4Q25/ 12M25 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.

48

CTBC Bank’s Asset Quality (Consolidated)

NT$mm, %	Yearly Results	4Q24 1Q25 2Q25 3Q25 4Q251 QoQ (%) 12M24 12M251 YoY (%) 17,683 18,642 19,767 19,311 19,682 1.9% 18,254 18,642 2.1% 3,196 2,363 2,689 2,588 2,759 6.6% 7,621 10,401 36.5% (2,237) (1,239) (3,145) (2,217) (1,304) -41.2% (7,232) (7,905) 9.3% 18,642 19,767 19,311 19,682 21,137 7.4% 18,642 21,137 13.4% 1,837 3,267 2,658 3,552 2,380 -33.0% 10,945 11,857 8.3% 61,657 63,768 62,598 64,877 66,139 1.9% 61,657 66,139 7.3% QuarterlyResults YTD Results
	2022 2023 2024
90-days NPLs - beginning New NPL influx, net of recovery & others Write-offs & other deductions	15,792 15,842 18,254 3,317 7,291 7,621 (3,267) (4,880) (7,232)
90-days NPLs - ending	15,842 18,254 18,642
Provisions and reserves Total provisions Total reserves	8,178 8,764 10,945 52,620 56,520 61,657
%	Yearly Results	Dec 24 Mar 25 Jun 25 Sep 25 Dec 251 QoQ (Chg) Dec 24 Dec 251 YoY (Chg) 0.17% 0.20% 0.18% 0.16% 0.15% -0.01% 0.17% 0.15% -0.03% 0.14% 0.13% 0.13% 0.12% 0.12% -0.01% 0.14% 0.12% -0.03% 1.76% 1.75% 1.83% 1.88% 2.02% 0.13% 1.76% 2.02% 0.26% 0.49% 0.49% 0.48% 0.48% 0.50% 0.02% 0.49% 0.50% 0.01% Quarterly Results YTD Results
	2022 2023 2024
NPL ratio Corporate NPL ratio2 Retail NPL ratio Overseas Subsidiaries NPL ratio Total NPL ratio	0.12% 0.14% 0.17% 0.14% 0.18% 0.14% 1.79% 1.90% 1.76% 0.49% 0.52% 0.49%

1. 4Q25/ 12M25/Dec 25 numbers preliminary.

2. Corporate NPL ratio excludes overseas subsidiaries NPL.

3. QoQ, YoY change may not add up due to the rounding.

49

Taiwan Life’s P&L & Balance Sheet (Standalone)

P&L NT$mm, %	Yearly Results	4Q24 1Q25 2Q25 3Q25 4Q251 QoQ(%) 12M24 12M251 YoY(%) 33,546 33,615 34,998 41,625 42,010 0.9% 133,436 152,249 14.1% (37,215) (34,079) (40,550) (29,542) (33,382) 13.0% (175,234) (137,553) -21.5% (6,222) (8,804) (3,358) (6,518) (17,656) 170.9% 3,640 (36,335) 1098.2% (3,318) (3,589) (3,548) (5,167) (5,375) 4.0% (14,285) (17,679) 23.8% 14,701 21,134 13,646 11,219 19,913 77.5% 81,178 65,911 -18.8% 8 (320) (8) (124) (349) -182.2% 350 (801) -328.7% (998) (1,354) (1,396) (1,357) (1,796) 32.3% (5,482) (5,903) 7.7% 503 6,602 (216) 10,137 3,366 -66.8% 23,603 19,888 -15.7% 405 5,599 1,618 10,524 3,109 -70.5% 21,474 20,850 -2.9% Quarterly Results YTD Results
	2022 2023 2024
Net profit before Tax	(1,365) 11,305 23,603
Net profit after Tax	(3,407) 12,383 21,474
		Dec 24 Mar 25 Jun 25 Sep 25 Dec 251 QoQ(%) YoY(%) 2,142,551 2,158,138 2,052,580 2,110,507 2,198,021 4.1% 2.6% 139,561 136,383 126,159 135,482 139,628 3.1% 0.0% 2,282,112 2,294,521 2,178,739 2,245,989 2,337,649 4.1% 2.4% 1,860,485 1,880,546 1,812,077 1,844,167 1,892,116 2.6% 1.7% 258,289 256,605 219,615 226,823 268,105 18.2% 3.8% 2,118,774 2,137,150 2,031,691 2,070,990 2,160,221 4.3% 2.0% 163,338 157,371 147,047 174,999 177,428 1.4% 8.6% 2,282,112 2,294,521 2,178,739 2,245,989 2,337,649 4.1% 2.4% 7.62% 7.29% 7.16% 8.29% 8.07% - - Quarterly Results
Balance Sheet	Yearly Results
NT$mm, %	2022 2023 2024
General account Separated account	1,983,026 2,046,578 2,142,551 153,500 154,241 139,561
Total Assets	2,136,526 2,200,819 2,282,112
Reserves for life insurance liabilities Other liabilities	1,846,577 1,823,022 1,860,485 196,383 235,981 258,289
Total liabilities	2,042,960 2,059,003 2,118,774
Total stockholders' equity	93,566 141,816 163,338
Total liabilities and stockholders' equity	2,136,526 2,200,819 2,282,112
E/A ratio	4.72% 6.93% 7.62%

1. 4Q25/12M25/Dec 25 numbers are preliminary.

2. Operating expenses include business tax

50

Taiwan Life’s Premium Performance

NT$mm, %	Yearly Results	4Q24 1Q25 2Q25 3Q25 4Q25 QoQ(%) 12M24 12M25 YoY(%) 4,385 4,216 4,764 12,713 10,687 -15.9% 17,862 32,380 81.3% 22,571 23,488 24,467 22,930 24,924 8.7% 91,186 95,810 5.1% 3,846 4,494 2,731 5,901 8,076 36.9% 10,371 21,201 104.4% 7,079 6,270 6,481 6,433 6,958 8.2% 26,414 26,141 -1.0% 37,881 38,468 38,442 47,977 50,644 5.6% 145,833 175,531 20.4% Quarterly Results YTD Results
Total Premium Breakdown by Products	2022 2023 2024
Traditional Interest Sensitive & UL Investment Linked Others1	22,137 18,693 17,862 80,669 83,597 91,186 11,328 7,659 10,371 23,820 25,817 26,414
Total premium	137,955 135,766 145,833
FYP Breakdown by Products	2022 2023 2024	4Q24 1Q25 2Q25 3Q25 4Q25 QoQ(%) 12M24 12M25 YoY(%) 114 149 660 8,687 6,793 -21.8% 459 16,289 3448.1% 8,678 9,504 9,117 8,061 10,826 34.3% 37,585 37,507 -0.2% 3,373 4,039 2,238 5,431 7,591 39.8% 8,506 19,299 126.9% 498 522 522 540 424 -21.3% 2,245 2,008 -10.5% 12,663 14,214 12,536 22,718 25,635 12.8% 48,794 75,103 53.9%
Traditional Interest Sensitive & UL Investment Linked Others1	628 652 459 44,393 39,388 37,585 9,267 5,681 8,506 3,196 3,664 2,245
Total first year premium	57,485 49,385 48,794
FYP Breakdown by Channels	2022 2023 2024	4Q24 1Q25 2Q25 3Q25 4Q25 QoQ(%) 12M24 12M25 YoY(%) 6,039 6,612 3,987 10,458 13,551 29.6% 19,111 34,609 81.1% 2,343 3,832 3,548 6,289 5,757 -8.5% 14,548 19,426 33.5% 1,435 1,539 2,641 3,276 3,488 6.5% 5,870 10,943 86.4% 2,822 2,207 2,341 2,675 2,818 5.3% 9,139 10,040 9.9% 23 23 20 21 22 2.7% 126 85 -32.4% 12,663 14,214 12,536 22,718 25,635 12.8% 48,794 75,103 53.9%
Bank_CTBC Bank_External Brokers Tied Agent Others	28,412 19,807 19,111 18,572 14,661 14,548 4,443 8,076 5,870 5,906 6,746 9,139 151 96 126
Total First Year Premium	57,485 49,385 48,794
First Year Premium Equivalent (FYPE)	17,641 22,297 21,344	4,488 4,694 4,520 6,702 6,651 -0.8% 21,344 22,568 5.7%

1. Others include Health, PA and Others

51