T.C.C.B. — Interim / Quarterly Report 2021

May 21, 2021

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2021.5.24

Disclaimer

• This presentation is provided by Taichung Commercial Bank(TCB). Users should read this material in conjunction with all other public financial and operational information filed to the competent authorities by TCB. While we endeavor to provide accurate, complete and consistent information herein, TCB 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 respect to such securities or other financial instruments. TCB 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.

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2

Agenda

■Financial Highlights ■Financial Review

■Financial Information ■Appendix

3

2021 Q1 Financial Highlight

Profitability

• Net Profit after tax 1.1 billions, 28.41% growth over the same period last year.

• EPS 0.27, 17.39% growth over the same period last year.

Asset quality

• NPL ratio 0.22%、NPL coverage ratio 646.93%.

Capital adequacy

• Consolidated：Capital Adequacy Ratio 13.93%、Tier I Capital Ratio 12.87%、Common Equity Ratio 10.73%.

• Individual：Capital Adequacy Ratio 13.38%、Tier I Capital Ratio

• 12.82%、Common Equity Ratio 10.87%.

4

Agenda

■Financial Highlights

■Financial Review

■Financial Information ■Appendix

5

Profitability

Net Profit

( NT$ Million )

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1,130
+28.41%
880
1Q20 1Q21
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4,320
+7.78%
-6.81% 4,026
4,008
2018 2019 2020
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EPS
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( NT$ )

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0.27
+17.39%
0.23
1Q20 1Q21
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-1.69% 1.16
1.18
-11.21%
1.03
2018 2019(Note) 2020
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Note：The EPS of 2019 was adjusted retroactively as 1.11. The growth rate between 2019 and 2020 declined by 7.21%.

6

Profitability

ROA

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0.60%
0.52%
1Q20(Note) 1Q21(Note)
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0.64%
0.60%
0.57%
2018 2019 2020
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ROE

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7.80%
6.80%
1Q20(Note) 1Q21(Note)
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8.79% 8.72%
7.41%
2018 2019 2020
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Note：ROE and ROA are annualized 7

(NT$ Million) Change in Net Profit

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1Q20 1Q21
1Q20 1Q21
YoY 19.46% YoY 11.29% YoY 92.09% YoY 20.04%
3,026
2,533
1,300
1,459
1,311 1,083
267
139
Total Net Operating Provision Profit before tax
Revenue Expenses
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8

(NT$ Hundred Million) Deposit Breakdown

Total Deposit 6,416 YoY 9.15% 6,382 6,159 6,189 QoQ 0.53% 5,878 Foreign 640 660 666 651 currency deposits 578 YoY 14.19% QoQ 3.13% 2,740 2,760 Time & 2,807 2,773 saving 2,697 deposits (local currency) YoY 2.34% QoQ 0.73% Checking & demand 3,002 2,996 2,603 2,686 2,765 deposits (local currency) YoY 15.10% QoQ -0.20% 1Q20 2Q20 3Q20 4Q20 1Q21

9

Deposit Structure

(%)

Checking & demand deposits (local currency) Time & saving deposits(local currency) Foreign currency deposits

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45.89% 45.58% 44.80% 47.04% 46.70%
44.28% 43.61% 44.68%
42.93% 43.02%
9.83% 10.81% 10.52% 10.03% 10.28%
1Q20 2Q20 3Q20 4Q20 1Q21
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10

Loan Structure (NT$ Hundred Million)

Corporate Banking Consumer Banking

	2,254 2,304 2,395 2,156 2,314 2,331 51.11% 48.89% 49.89% 50.11% 50.68% 49.32%	2,254 2,304 2,395 2,156 2,314 2,331 51.11% 48.89% 49.89% 50.11% 50.68% 49.32%	2,254 2,304 2,395 2,156 2,314 2,331 51.11% 48.89% 49.89% 50.11% 50.68% 49.32%	2,254 2,304 2,395 2,156 2,314 2,331 51.11% 48.89% 49.89% 50.11% 50.68% 49.32%	2,254 2,304 2,395 2,156 2,314 2,331 51.11% 48.89% 49.89% 50.11% 50.68% 49.32%
	2019 2020 1Q21 2019 2020 1Q21 QoQ Corporate Banking 2,254 2,304 2,395 3.95% Consumer Banking 2,156 2,314 2,331 0.73% Total 4,410 4,618 4,726 2.34%
		2019	2020	1Q21	QoQ
	Corporate Banking	2,254	2,304	2,395	3.95%
	Consumer Banking	2,156	2,314	2,331	0.73%
	Total	4,410	4,618	4,726	2.34%

11

Loan Structure by Currency

(NT$ Hundred Million)

	379 359 408 4,031 4,259 4,318 Foreign Currency Loan NTD Loan 8.59% 91.41% 7.77% 92.23% 8.63% 91.37%	379 359 408 4,031 4,259 4,318 Foreign Currency Loan NTD Loan 8.59% 91.41% 7.77% 92.23% 8.63% 91.37%	379 359 408 4,031 4,259 4,318 Foreign Currency Loan NTD Loan 8.59% 91.41% 7.77% 92.23% 8.63% 91.37%	379 359 408 4,031 4,259 4,318 Foreign Currency Loan NTD Loan 8.59% 91.41% 7.77% 92.23% 8.63% 91.37%	379 359 408 4,031 4,259 4,318 Foreign Currency Loan NTD Loan 8.59% 91.41% 7.77% 92.23% 8.63% 91.37%
		2019	2020	1Q21	QoQ
NTD Loan		4,031	4,259	4,318	1.39%
Foreign Currency Loan		379	359	408	13.65%
Total		4,410	4,618	4,726	2.34%

12

Loan Breakdown (NT$ Hundred Million)

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Total Loan
4,726 YoY 6.54%
4,534 4,561 4,618 QoQ 2.34%
4,436
191 Corporate(Note1)
189 Mortgage
185 YoY -7.73%
223 Consumption
207 QoQ 1.06% 12.40% Loan
3.22%
OBU &
SME
YoY 7.53% overseas
1,884
1,834 QoQ 2.73%
1,789 1,824 branch
1,752
Other
OBU & overseas 6.77%
branch(Note2) Personal
YoY 2.24%
Loan
QoQ 13.88%
281 320
306 299 33.71%
313
Mortgage SME
573 586 YoY 6.35%
551 551 562 QoQ 2.27% 39.86%
150 152
141 145
132 Consumption Loan
YoY 15.15%
Corporate
QoQ 1.33%
4.04%
1,481 1,524 1,546 1,591 1,593 Other Personal Loan
YoY 7.56%
QoQ 0.13%
Loan Structure 1Q21
1Q20 2Q20 3Q20 4Q20 1Q21
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Note 1：The balance of Corporate loan included NT$ 2 billion government loans. Note 2：The loan balance of OBU & overseas branch were 28.8 billions and 3.2 billions in NT$ ,respectively.

13

Loan Breakdown (NT$ Hundred Million)

	664 654 715 3,746 3,964 4,011 2019 2020 1Q21 Non-secured Secured 15.13% 15.06% 84.94% 14.16% 85.84% 84.87%	664 654 715 3,746 3,964 4,011 2019 2020 1Q21 Non-secured Secured 15.13% 15.06% 84.94% 14.16% 85.84% 84.87%	664 654 715 3,746 3,964 4,011 2019 2020 1Q21 Non-secured Secured 15.13% 15.06% 84.94% 14.16% 85.84% 84.87%	664 654 715 3,746 3,964 4,011 2019 2020 1Q21 Non-secured Secured 15.13% 15.06% 84.94% 14.16% 85.84% 84.87%	664 654 715 3,746 3,964 4,011 2019 2020 1Q21 Non-secured Secured 15.13% 15.06% 84.94% 14.16% 85.84% 84.87%
		2019	2020	1Q21	QoQ
	Non-secured	664	654	715	9.33%
	Secured	3,746	3,964	4,011	1.19%
	Secured by property	3,437	3,622	3,659	1.02%
	Secured by Letter of Guarantee	149	166	168	1.20%
	Others	160	176	184	4.55%
	Total	4,410	4,618	4,726	2.34%

14

Loan to Deposit Ratio(LDR)

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Overall LDR NTD LDR Foreign Currency LDR
76.43%
75.61% 75.53%
75.07%
74.35%
75.50%
73.59% 73.68% 73.71%
72.51%
67.03%
61.88%
56.89% 57.99% 56.03%
1Q20 2Q20 3Q20 4Q20 1Q21
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Spreads

NTD Spreads Foreign Currency Spreads Overall Spreads

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2.20%
2.14%
2.12%
2.04%
1.92%
1.79%
1.78% 1.78%
1.76% 1.74%
1.77% 1.69% 1.68% 1.69% 1.70%
1.75% 1.75%
1.60%
1.73% 1.59% 1.63% 1.64%
1.62%
1.60% 1.59% 1.58% [1.59%] 1.68% 1.67% [1.68%] 1.69%
1.61% 1.62% 1.59% [1.62%]
1.57% 1.57%
1.55% 1.54% 1.55% 1.54% 1.55%
1.50%
2020/1 2020/2 2020/3 2020/4 2020/5 2020/6 2020/7 2020/8 2020/9 2020/10 2020/11 2020/12 2021/1 2021/2 2021/3
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TCB Bank’s NIM (NT$ Hundred million)

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NIM
1.24%
1.21%
1.18% 1.18%
1.17%
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Average of Interest earning assets

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6,882
6,497 6,530
6,441
6,384
1Q20 2Q20 3Q20 4Q20 1Q21
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17

Operating Expenses to Net Income

(NT$ Million)

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Net Income Operating Expenses Cost-Income Ratio

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56.85%
54.07%
51.76%
50.07%
48.22%
3,026
2,900
2,828
2,533 2,468
1,568
1,311 1,403 1,416 1,459
1Q20 2Q20 3Q20 4Q20 1Q21
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(NT$ Million) Asset quality

NPL ratio &NPLs

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NPL ratio NPLs
-0.15%
0.45% 0.44%
0.37% 0.37%
0.31%
0.21% 0.22%
2,054 2,003
1,645
1,655
1,382
983 1,029
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 1Q21
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(NT$ Million) Asset quality

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NPL Coverage Ratio & Loan Loss Provision
NPL Coverage Ratio Loan Loss Provision +268.65%
644.76% 646.93%
475.54%
403.68%
378.28%
317.95% 324.25%
6,643 6,654
6,573
6,532
6,494
6,335
6,260
2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 1Q21
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Fee Income Breakdown (NT$ Million)

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908 Fee Income
YoY 11.27%
816 845 824 QoQ 10.19%
Loans
231
YoY 31.25%
166
QoQ 14.36%
176 202
660
176 Trust
YoY 27.38%
299
252 321 QoQ 5.25%
305
212
Insurance &
Securities
YoY -15.56%
315 301 266
225 QoQ 18.22%
199
Others
YoY 23.29%
73 73 79 92 90 QoQ -2.17%
1Q20 2Q20 3Q20 4Q20 1Q21
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Wealth Management Fee Income

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(NT$ Million)
583
561 Total
549
YoY 2.19%
509 QoQ 10.22%
158
161
222 Mutual Fund
390 YoY 37.89%
205
QoQ 8.29%
124
301
315 Insurance &
Securities
266
225 YoY -15.56%
199 QoQ 18.22%
Others
124 YoY -
73 67 79 73 QoQ -7.59%
1Q20 2Q20 3Q20 4Q20 1Q21
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Profit of Subsidiary to TCB

(NT$ Million)

Net Profit after tax	1Q20	1Q21	YoY
TCB	816	968	18.63%
Subsidiary	64	162	153.13%
Total	880	1,130	28.41%
TCB 92.73% Subsidiary of TCB 7.27% TCB 85.66% Subsidiary of TCB 14.34%

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1Q20 Profit Breakdown
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1Q21 Profit Breakdown
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Capital Adequacy

Consolidated BIS BIS Tier I Capital Ratio Common Equity Ratio +0.92% 14.15% 13.91% 13.93% 13.63% 13.57% 13.01% 12.48% 12.77% 12.57% 13.08% 12.87% 11.79% 10.86% 10.73% 10.10% 10.41% 10.28% 9.49% 2018 1H19 2019 1H20 2020 1Q21 Individual BIS Tier I Capital Ratio Common Equity Ratio BIS +1.03% 13.60% 13.23% 13.38% 12.98% 12.94% 12.35% 13.06% 12.64% 12.82% 12.37% 12.45% 11.65% 11.03% 10.87% 10.18% 10.49% 10.34% 9.54%

2018

1H19

2019

1H20

1Q21

2020

24

Agenda

■Financial Highlights

■Financial Review

■Financial Information

■Appendix

25

Balance Sheet (Individual)

(NT$ Million)	(NT$ Million)	(NT$ Million)	(NT$ Million)	(NT$ Million)	(NT$ Million)
	2018	2019	2020	1Q21	YTD
Assets：
Cash and due from banks	46,740	44,134	51,588	45,250	-12.29%
Financial investment,net	163,891	173,347	195,628	199,227	1.84%
Loans,net	451,729	434,469	455,442	465,972	2.31%
A/R,net	5,028	4,064	3,546	4,223	19.09%
LT investments,net	5,225	5,491	5,440	5,606	3.05%
Land, premises and equipment,net	9,368	10,620	12,277	12,362	0.69%
Others	2,178	2,898	3,755	3,991	6.28%
Total assets	684,159	675,023	727,676	736,631	1.23%
Liabilities：
Deposits	589,243	584,866	638,274	641,567	0.52%
Other Liabilities	47,092	38,848	32,080	36,321	13.22%
Total Liabilities	636,335	623,714	670,354	677,888	1.12%
Total stockholders’ equity	47,824	51,309	57,322	58,743	2.48%
Total liabilities and stockholders’ equity	684,159	675,023	727,676	736,631	1.23%

26

P&L (Individual)

(NT$ Million)

	2018	2019	2020	1Q20	1Q21	YoY
Net interest income	7,991	7,902	7,848	2,026	2,111	4.20%
Net fee income	1,793	1,926	2,117	506	649	28.26%
Others	891	1,283	764	1	266	26500.00%
Total OperatingIncome	10,675	11,111	10,729	2,533	3,026	19.46%
Operatingexpenses	(5,626)	(5,567)	(5,698)	(1,311)	(1,459)	11.29%
Pre-provision Profit	5,049	5,544	5,031	1,222	1,567	28.23%
Credit Loss Provisions, net	(411)	(477)	(366)	(139)	(267)	92.09%
Profit Before Income Tax	4,638	5,067	4,665	1,083	1,300	20.04%
Tax Fee	(630)	(747)	(639)	(203)	(170)	-16.26%
Net Profit After Income Tax	4,008	4,320	4,026	880	1,130	28.41%
Other Profits	34	153	448	(39)	291	846.15%
Current period other comprehensive income	4,042	4,473	4,474	841	1,421	68.97%

27

Balance Sheet (Consolidated)

(NT$ Million) 2018 2019 2020 1Q21 YTD Assets： Cash and due from banks 47,644 45,237 52,081 46,387 -10.93% Financial investment,net 165,027 174,356 197,275 200,885 1.83% Loans,net 452,595 435,398 456,541 467,165 2.33% A/R,net 12,781 12,820 13,484 15,290 13.39% LT investments,net 153 157 163 168 3.07% Land, premises and equipment,net 9,447 10,684 12,333 12,415 0.66% Others 3,185 4,037 4,893 5,026 2.72% Total assets 690,832 682,689 736,770 747,336 1.43% Liabilities： Deposits 587,968 583,322 636,589 639,883 0.52% Other Liabilities 55,040 48,058 42,859 48,710 13.65% Total Liabilities 643,008 631,380 679,448 688,593 1.35% Total stockholders’ equity 47,824 51,309 57,322 58,743 2.48% Total liabilities and stockholders’ equity 690,832 682,689 736,770 747,336 1.43%	(NT$ Million) 2018 2019 2020 1Q21 YTD Assets： Cash and due from banks 47,644 45,237 52,081 46,387 -10.93% Financial investment,net 165,027 174,356 197,275 200,885 1.83% Loans,net 452,595 435,398 456,541 467,165 2.33% A/R,net 12,781 12,820 13,484 15,290 13.39% LT investments,net 153 157 163 168 3.07% Land, premises and equipment,net 9,447 10,684 12,333 12,415 0.66% Others 3,185 4,037 4,893 5,026 2.72% Total assets 690,832 682,689 736,770 747,336 1.43% Liabilities： Deposits 587,968 583,322 636,589 639,883 0.52% Other Liabilities 55,040 48,058 42,859 48,710 13.65% Total Liabilities 643,008 631,380 679,448 688,593 1.35% Total stockholders’ equity 47,824 51,309 57,322 58,743 2.48% Total liabilities and stockholders’ equity 690,832 682,689 736,770 747,336 1.43%	(NT$ Million) 2018 2019 2020 1Q21 YTD Assets： Cash and due from banks 47,644 45,237 52,081 46,387 -10.93% Financial investment,net 165,027 174,356 197,275 200,885 1.83% Loans,net 452,595 435,398 456,541 467,165 2.33% A/R,net 12,781 12,820 13,484 15,290 13.39% LT investments,net 153 157 163 168 3.07% Land, premises and equipment,net 9,447 10,684 12,333 12,415 0.66% Others 3,185 4,037 4,893 5,026 2.72% Total assets 690,832 682,689 736,770 747,336 1.43% Liabilities： Deposits 587,968 583,322 636,589 639,883 0.52% Other Liabilities 55,040 48,058 42,859 48,710 13.65% Total Liabilities 643,008 631,380 679,448 688,593 1.35% Total stockholders’ equity 47,824 51,309 57,322 58,743 2.48% Total liabilities and stockholders’ equity 690,832 682,689 736,770 747,336 1.43%	(NT$ Million) 2018 2019 2020 1Q21 YTD Assets： Cash and due from banks 47,644 45,237 52,081 46,387 -10.93% Financial investment,net 165,027 174,356 197,275 200,885 1.83% Loans,net 452,595 435,398 456,541 467,165 2.33% A/R,net 12,781 12,820 13,484 15,290 13.39% LT investments,net 153 157 163 168 3.07% Land, premises and equipment,net 9,447 10,684 12,333 12,415 0.66% Others 3,185 4,037 4,893 5,026 2.72% Total assets 690,832 682,689 736,770 747,336 1.43% Liabilities： Deposits 587,968 583,322 636,589 639,883 0.52% Other Liabilities 55,040 48,058 42,859 48,710 13.65% Total Liabilities 643,008 631,380 679,448 688,593 1.35% Total stockholders’ equity 47,824 51,309 57,322 58,743 2.48% Total liabilities and stockholders’ equity 690,832 682,689 736,770 747,336 1.43%	(NT$ Million) 2018 2019 2020 1Q21 YTD Assets： Cash and due from banks 47,644 45,237 52,081 46,387 -10.93% Financial investment,net 165,027 174,356 197,275 200,885 1.83% Loans,net 452,595 435,398 456,541 467,165 2.33% A/R,net 12,781 12,820 13,484 15,290 13.39% LT investments,net 153 157 163 168 3.07% Land, premises and equipment,net 9,447 10,684 12,333 12,415 0.66% Others 3,185 4,037 4,893 5,026 2.72% Total assets 690,832 682,689 736,770 747,336 1.43% Liabilities： Deposits 587,968 583,322 636,589 639,883 0.52% Other Liabilities 55,040 48,058 42,859 48,710 13.65% Total Liabilities 643,008 631,380 679,448 688,593 1.35% Total stockholders’ equity 47,824 51,309 57,322 58,743 2.48% Total liabilities and stockholders’ equity 690,832 682,689 736,770 747,336 1.43%	(NT$ Million) 2018 2019 2020 1Q21 YTD Assets： Cash and due from banks 47,644 45,237 52,081 46,387 -10.93% Financial investment,net 165,027 174,356 197,275 200,885 1.83% Loans,net 452,595 435,398 456,541 467,165 2.33% A/R,net 12,781 12,820 13,484 15,290 13.39% LT investments,net 153 157 163 168 3.07% Land, premises and equipment,net 9,447 10,684 12,333 12,415 0.66% Others 3,185 4,037 4,893 5,026 2.72% Total assets 690,832 682,689 736,770 747,336 1.43% Liabilities： Deposits 587,968 583,322 636,589 639,883 0.52% Other Liabilities 55,040 48,058 42,859 48,710 13.65% Total Liabilities 643,008 631,380 679,448 688,593 1.35% Total stockholders’ equity 47,824 51,309 57,322 58,743 2.48% Total liabilities and stockholders’ equity 690,832 682,689 736,770 747,336 1.43%
	2018	2019	2020	1Q21	YTD
Assets：
Cash and due from banks	47,644	45,237	52,081	46,387	-10.93%
Financial investment,net	165,027	174,356	197,275	200,885	1.83%
Loans,net	452,595	435,398	456,541	467,165	2.33%
A/R,net	12,781	12,820	13,484	15,290	13.39%
LT investments,net	153	157	163	168	3.07%
Land, premises and equipment,net	9,447	10,684	12,333	12,415	0.66%
Others	3,185	4,037	4,893	5,026	2.72%
Total assets	690,832	682,689	736,770	747,336	1.43%
Liabilities：
Deposits	587,968	583,322	636,589	639,883	0.52%
Other Liabilities	55,040	48,058	42,859	48,710	13.65%
Total Liabilities	643,008	631,380	679,448	688,593	1.35%
Total stockholders’ equity	47,824	51,309	57,322	58,743	2.48%
Total liabilities and stockholders’ equity	690,832	682,689	736,770	747,336	1.43%

28

P&L (Consolidated)

(NT$ Million)

	2018	2019	2020	1Q20	1Q21	YoY
Net interest income	8,434	8,351	8,279	2,123	2,247	5.84%
Net fee income	2,846	2,913	2,906	752	849	12.90%
Others	409	831	459	(107)	192	279.44%
Total OperatingIncome	11,689	12,095	11,644	2,768	3,288	18.79%
Operatingexpenses	(6,457)	(6,273)	(6,366)	(1,474)	(1,646)	11.67%
Pre-provision Profit	5,232	5,822	5,278	1,294	1,642	26.89%
Credit Loss Provisions, net	(472)	(615)	(519)	(179)	(320)	78.77%
Profit Before Income Tax	4,760	5,207	4,759	1,115	1,322	18.57%
Tax Fee	(752)	(887)	(733)	(235)	(192)	-18.30%
Net Profit After Income Tax	4,008	4,320	4,026	880	1,130	28.41%
Other Profits	34	153	448	(39)	291	846.15%
Current period other comprehensive income	4,042	4,473	4,474	841	1,421	68.97%

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Agenda

■Financial Highlights ■Financial Review ■Financial Information ■Appendix

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Credit Rating
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Date： 2021.04.28

Fitch Ratings Long-term Short-term Outlook National Rating A (twn) F1 (twn) Stable ~~2018~~ ~~年上半年營運亮點~~ International Rating BBBF3 Stable Viability Rating bbbSupport Rating 4

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Thanks for your listening!