臺灣企鵝 Taiwan Business Bank

2025Q4 Financial Review

2026.03.19

Disclaimer

☑ This presentation is provided by Taiwan Business Bank Co., Ltd. ('TBB'). The information contained within is not reviewed or reviewed by any accountant or any independent third party. Users should read this material in conjunction with all other public financial and operational information filed to the competent authorities by TBB. While we endeavor to provide accurate, complete and consistent information herein, TBB makes no guarantee or warranties as to the accuracy or correctness of all the material contained. After this presentation is released to the public, we undertake no obligation to update any relevant data to reflect any change hereafter.

☑ Users should also notice that this presentation may contain forward-looking statements. Statements that are not historical facts, including statements relating to the implementation of strategic initiatives, future business development and economic performance are forward-looking statements. By their nature, forward-looking statements involve uncertainties, risks, assumptions and other factors that could cause actual developments and results to differ materially from our statement in this presentation. These factors include, but not limited to, regulatory developments, competitive conditions, technological developments, general economic conditions and management changes.

☑ The information, statements or opinions in this presentation do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. TBB and its affiliates representatives, no matter for their negligence or any other reasons, should not be liable for any loss or damages arising from the use of or interpretation by others of information contained within this presentation or any matter related to this document.

臺灣企鵝

Taiwan Business Bank

Net Revenue

Unit: NT$ 100mn

臺灣全銀

Taiwan Business Bank

Net Revenue Breakdown (Consolidated)

Unit: NT$ 100mn

Item	2021	2022	2023	2024	2025
Net Revenue	241.06	285.29	319.14	341.15	350.88
Net Interest Income	178.06	202.28	187.06	191.16	206.06
Net Fee Income	33.34	39.52	46.17	65.57	66.92
Treasury Income, FX & Others	29.66	43.49	85.91	84.42	77.90

臺灣全銀

Taiwan Business Bank

2025 Full Year Performance

Unit: NT$ 100mn

| Item\Year | 2024 (1) | 2025 (2) | Difference (3)=(2)-(1) | Growth Rate(%) (4)=(3)/(1) | | --- | --- | --- | --- | --- | | | | | | | | Net Revenue | 341.15 | 350.88 | 9.73 | 2.85 | | Operating Expense | 166.10 | 175.19 | 9.09 | 5.47 | | Provision | 34.42 | 23.24 | (11.18) | (32.48) | | Net Income before tax | 140.63 | 152.45 | 11.82 | 8.41 | | Net Income | 112.37 | 122.32 | 9.95 | 8.85 | | EPS after tax (NTD$) | 1.23 | 1.26 | 0.03 | |

臺灣企業 Taiwan Business Bank

2025 Full Year Performance

| Item | Year | 2024 (1) | 2025 (2) | Difference (3)=(2)-(1) | Growth Rate(%) (4)=(3)/(1) | | --- | --- | --- | --- | --- | --- | | | Loan Balance | 1,552.3 bn | 1,662.1 bn | 109.8 bn | 7.08 | | Deposit Balance | 1,982.6 bn | 2,110.1 bn | 127.5 bn | 6.43 | | | Spread (Cumulative) | 1.16% | 1.18% | 0.02% | | | | NIM (Cumulative) | 0.78% | 0.80% | 0.02% | | | | NPL | 2.766 bn | 2.649 bn | (0.117 bn) | (4.23) | | | NPL Ratio | 0.17% | 0.16% | (0.01) | | | | Coverage Ratio | 790.84% | 830.51% | 39.67% | | |

臺灣中正莊

Taiwan Business Bank

Asset and Liability

Unit: NT$ mn

| Year

Item	2021	2022	2023	2024	2025
Asset	2,021,253	2,072,486	2,209,814	2,374,756	2,509,013
Liability	1,919,593	1,968,379	2,089,692	2,243,322	2,362,100

臺灣企業

Taiwan Business Bank

Equity

Unit: NT$ mn

Year	2021	2022	2023	2024	2025
Item
Equity	101,660	104,107	120,122	131,434	146,913
Share Capital	77,432	80,297	82,224	91,680	97,181
BVPS (NTD)	13.13	12.97	14.61	14.34	15.12

臺灣中銀

Taiwan Business Bank

Net Revenue Breakdown

Unit: NT$ mn

2025 Net Revenue: 35,088

YoY Comparison

臺港全銀

Taiwan Business Bank

Net Fee Income Breakdown

Unit: NT$ mn

2025 Net Fee Income: 6,692

YoY Comparison

臺灣全銀

Taiwan Business Bank

Deposit, Loan and FX Business

Unit: NT$ mn

| Year

Item	2021	2022	2023	2024	2025
Deposit Balance	1,591,103	1,739,721	1,850,756	1,982,602	2,110,117
Loan Balance	1,239,986	1,349,760	1,427,895	1,552,259	1,662,096
FX Business(In USD mn)	69,064	77,459	63,314	69,468	76,588

臺灣企鵝

Taiwan Business Bank

Deposit Structure

Unit: NT$ 100mn

| Year Item | 2024 (1) | 2025 (2) | Difference (3)=(2)-(1) | YoY (4)=(3)/(1) | | --- | --- | --- | --- | --- | | Deposit Balance | 19,826 | 21,101 | 1,275 | 6.43% | | NTD Deposit | 16,030 | 17,355 | 1,325 | 8.27% | | FCY Deposit | 3,796 | 3,746 | (50) | (1.32%) |

臺灣企鑑

Taiwan Business Bank

^{}[]NTD Loan Breakdown

Unit: NT$ 100mn

2024 NTD Loan: 13,885

2025 NTD Loan: 14,840

臺灣中銀

Taiwan Business Bank

FCY Loan Breakdown

Unit: NT$ 100mn

2024FCY Loan: 1,637

2025 FCY Loan: 1,781

臺灣企鵝

Taiwan Business Bank

Asset Quality

Unit: NT$ mn

| Year

Item	2021	2022	2023	2024	2025
NPL	3,685	2,767	2,719	2,766	2,649
NPL Ratio	0.28%	0.20%	0.18%	0.17%	0.16%
Coverage Ratio	422.69%	653.28%	720.88%	790.84%	830.51%

臺灣企鵝 Taiwan Business Bank

Operating Expense Ratio

Unit: NT$ mn

| Year

Items	2021	2022	2023	2024	2025
Net Revenue	24, 106	28, 529	31, 914	34, 115	35, 088
Operating Expense	13, 116	14, 103	15, 259	16, 610	17, 519
Percentage	54.41%	49.43%	47.81%	48.69%	49.93%

臺灣公認

Taiwan Business Bank

Revenue Mix by Region

Domestic Branches 81% Subsidiaries 1% Overseas & OBU 18%

臺灣企銷 Taiwan Business Bank

Capital Adequacy Ratio

	2021	2022	2023	2024	2025	Minimum Requirement
BIS(%)	13.39	12.48	13.55	13.33	14.01	10.50
Tier1(%)	9.83	9.32	9.90	10.14	11.18	8.50
CET1(%)	8.32	7.90	8.55	8.87	9.91	7.00

臺灣企鵝

Taiwan Business Bank

Credit Ratings

Year	Rating Institution	Results		Outlook
		Long-term Credit	Short-term Credit
2025	Taiwan Ratings	twAA-	twA-1+	Positive
	Standard & Poor's	BBB+	A-2	Positive

臺灣企鵝 Taiwan Business Bank

Awards and Glory

National Brand Yushan Award 21 awards in total, including two National First Prize awards, Outstanding Corporate Leader, Best Product, and Best Popular Brand awards.