T.C.C.B. — Interim / Quarterly Report 2024

May 16, 2024

Taichung Commercial Bank 2024 Q1 Investor Conference

MAY. 20, 2024

股票代碼：2812

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Disclaimer

• This presentation is provided by Taichung Commercial Bank(TCB). Users should read this material in conjunction with all other financial and information filed to the authorities TCB. While we public operational competent by

• 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.

Agenda

■Financial Highlights

■Financial Review

■Financial Information ■Appendix

3

2024 Q1 Financial Highlight

Profitability

• Net Profit after tax NT$ 2.090 billions, 41.89% growth over the same period last year.

• EPS 0.40, 37.93% growth over the same period last year.

Asset quality

• NPL ratio 0.13%、NPL coverage ratio 931.79%.

Capital adequacy

• Consolidated：Self-assessed Capital Adequacy Ratio 15.36%、 Tier I Capital Ratio 13.61%、Common Equity Ratio 11.84%.

• Individual：Self-assessed Capital Adequacy Ratio 15.71%、 Tier I Capital Ratio 13.97%、Common Equity Ratio 12.16%.

4

Agenda

■Financial Highlights

■Financial Review

■Financial Information

■Appendix

5

Profitability

Net Profit

( NT$ Million )

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6,821
+27.64%
+11.43%
5,344
2,090
+41.89% 4,796
1,473
1Q23 1Q24 2021 2022 2023
EPS
( NT$ ) 1.31
+16.96%
+1.82% 1.12
1.10
+37.93% 0.40
0.29
1Q23(註1) 1Q24 2021(Note2) 2022(Note3) 2023
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Note1：The EPS in 2023Q1 Financial statement was 0.29. After been retroactive adjusted, the EPS of 2023Q1 was 0.28 The growth rate of EPS in 2024Q1 over 2023Q1 was 42.86%. Note2：The EPS in 2021 Financial statement was 1.10. After been retroactive adjusted, the EPS of 2022 was 1.05 The growth rate of EPS in 2022 over 2021 was 6.67%. Note3：The EPS in 2022 Financial statement was 1.12. After been retroactive adjusted, the EPS of 2022 was 1.07 The growth rate of EPS in 2023 over 2022 was 22.43%.

6

Profitability

ROA

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0.82%
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0.96%
0.72%
1Q23(Note) 1Q24(Note)
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0.69%
0.64%
2021 2022 2023
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ROE

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10.76%
8.40%
1Q23(Note) 1Q24(Note)
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9.36%
7.94% 8.06%
2021 2022 2023
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Note：ROE and ROA are annualized.

7

(NT$ Million) TCB′s Change in Net Profit

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1Q23 1Q24
YoY 11.05% YoY -3.87% YoY -49.41% YoY 40.77%
2,441
4,322
3,892
1,734
1,733 1,666
425
215
Total Net Revenue Operating Expenses Provision Profit before tax
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8

TCB′s Deposit Breakdown

(NT$ Hundred Million)

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Time & saving deposits (Foreign currency) Checking & demand deposits (Foreign currency) Total Deposit
Time & saving deposits (Local currency) Checking & demand deposits (Local currency) YoY 8.25%
QoQ 1.45%
7,423
7,317 Time & saving deposits
6,933 7,041 (foreign currency)
6,857
684 YoY 36.25%
664
QoQ 3.01%
590
502 524 256
273
250
301 298
Checking & demand
deposits (foreign currency)
YoY -14.95%
QoQ -6.23%
2,798 2,993
2,735
2,691 2,707
Time & saving deposits
(local currency)
YoY 11.22%
QoQ 6.97%
3,363 3,404 3,466 3,582 3,490
Checking & demand
deposits (local currency)
YoY 3.78%
QoQ -2.57%
1Q23 2Q23 3Q23 4Q23 1Q24
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9

TCB′s Deposit Structure

Checking & demand deposits (Local currency) Checking & demand deposits (Foreign currency)

Time & saving deposits (Local currency) Time & saving deposits (Foreign currency)

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49.04% 49.10% 49.23% 48.96%
47.02%
39.25% 39.04% 40.32%
38.84% 38.24%
8.38% 9.07% 9.21%
7.32% 7.56%
4.39% 4.30% 3.55% 3.73% 3.45%
1Q23 2Q23 3Q23 4Q23 1Q24
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10

TCB′s Loan Structure (NT$ Hundred Million)

Corporate Banking Consumer Banking

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2,919
2,859
2,690 2,617 2,629
2,505
2022 2023 1Q24
2022 2023 1Q24 YTD
Corporate Banking 2,505 2,617 2,629 0.46%
Consumer Banking 2,690 2,859 2,919 2.10%
Total 5,195 5,476 5,548 1.31%
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Note：The classification of Corporate Banking and Consumer Banking is based on the asset quality classification from the Article 16 in "Regulations Governing the Preparation of Financial Reports by Public Banks”.

11

TCB′s Loan Structure by Currency (NT$ Hundred Million)

Foreign Currency Loan NTD Loan

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5,163
5,113
4,833
93.03% 93.37% 93.06%
362 363 385
6.97% 6.63% 6.94%
2022 2023 1Q24
2022 2023 1Q24 YTD
NTD Loan 4,833 5,113 5,163 0.98%
Foreign Currency Loan 362 363 385 6.06%
Total 5,195 5,476 5,548 1.31%
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TCB′s Loan Breakdown (NT$ Hundred Million)

Total Loan YoY 7.90% 5,476 5,548 QoQ 1.31% 5,340 5,240 5,142 291 Corporate (Note1) 292 271 YoY 18.78% Mortgage Consumption 245 280 QoQ -0.34% 15.36% 2.02% OBU & SME Overseas YoY 3.48% 1,993 branch 1,997 QoQ -0.20% 1,964 6.22% 1,932 1,926 OBU & Overseas branch (Note2) Other YoY 10.93% Personal 345 QoQ 5.18% Loan 328 345 311 318 35.24% Mortgage SME 823 852 YoY 16.39% 732 752 802 QoQ 3.52% 35.92% 117 112 123 Consumption 166 166 Loan YoY -32.53% QoQ -4.27% Corporate 1,762 1,792 1,835 1,919 1,955 Other Personal 5.24% Loan YoY 10.95% Loan Structure 1Q24 QoQ 1.88% 1Q23 2Q23 3Q23 4Q23 1Q24

Note 1：The balance of Corporate loan included government loans. (The balance in 2024Q1 was 1.340 billions in NT$) Note 2：The loan balance of OBU & overseas branch in 2024Q1 were 27.1 billions and 7.4 billions in NT$ ,respectively.

13

TCB′s Loan Breakdown by Secured (NT$ Hundred Million)

Non-secured Secured

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4,596 4,650
4,385
83.93% 83.81%
85.41%
880 898
810
15.59% 16.07% 16.19%
2022 2023 1Q24
2022 2023 1Q24 YTD
Non-secured 810 880 898 2.05%
Secured 4,385 4,596 4,650 1.17%
Secured by property 3,984 4,192 4,237 1.07%
Secured by Letter of Guarantee 161 164 166 1.22%
Others 240 240 247 2.92%
Total 5,195 5,476 5,548 1.31%
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14

TCB′s Loan to Deposit Ratio(LDR)

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80.55%
79.87% 79.86%
79.70%
79.26%
NTD LDR
75.89%
75.61%
75.02% 75.17%
74.79%
Overall
LDR
46.57%
43.93%
43.01%
Foreign
40.94%
Currency
38.70%
LDR
1Q23 2Q23 3Q23 4Q23 1Q24
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15

TCB′s Spreads

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3.36%
3.33%
3.22% 3.23%
3.20%
3.18%
3.10% 3.09%
3.01%
2.99%
2.95% 2.96%
2.93%
2.90% 2.91%
Foreign Currency Spreads
NTD Spreads
1.91% 1.93% 1.92% 1.95% 1.95% 1.95% 1.94% 1.91% 1.92% 1.93% 1.92% 1.91%
1.89% 1.87% 1.88%
1.92% 1.93% 1.94% 1.94% 1.94%
1.89% 1.89% 1.87% 1.90%
1.86% 1.87% 1.83%
1.81% 1.80%
1.78%
Overall Spreads
2023/1 2023/2 2023/3 2023/4 2023/5 2023/6 2023/7 2023/8 2023/9 2023/10 2023/11 2023/12 2024/1 2024/2 2024/3
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Note1：Monthly Information.

Note2：The schedule of the Federal Reserve System adjusted target federal fund rates：

2023/2/2 raised 0.25%, 2023/3/23 raised 0.25%, 2023/5/4 raised 0.25%, 2023/7/27 raised 0.25%. Note3：The schedule of Central Bank of the Republic of China (Taiwan) adjusted CBC rates： 2023/3/23 raised 0.125%.

2024/3/21 raised 0.125%.

16

TCB′s Net Interest Margin(NIM)

(NT$ Hundred Million)

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NIM & Average of Interest earning assets
1.44% 1.44% 1.44%
1.42%
1.36%
NIM
Average of Interest earning assets
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8,021
7,553
7,516
7,438
7,400
1Q23 1Q-2Q23 1Q-3Q23 2023 1Q24
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17

TCB′s Operating Expenses to Net Income

(NT$ Million)

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Net Income
47.17%
45.62%
44.53%
38.55% 40.94%
Cost-Income Ratio
16,268
14,007
4,322
3,892 12,603
6,660
5,945 6,390
1,733
1,666
1Q23 1Q24 2021 2022 2023
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18

TCB′s Asset quality (NT$ Million)

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NPL ratio & NPLs
0.24%
0.19% 0.19%
0.14%
0.13%
NPL ratio
NPLs
1,243
1,019
991
778
749
1Q23 2Q23 3Q23 4Q23 1Q24
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19

TCB′s Asset quality

(NT$ Million)

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NPL Coverage Ratio & Loan Loss Provision
NPL Coverage Ratio
935.33% 931.79%
679.93% 691.46%
571.98%
Loan Loss Provision
7,281
7,108
7,048
6,978
6,735
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1Q23
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2Q23
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3Q23
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4Q23
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1Q24
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20

Fee Income Breakdown

(NT$ Million)

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Fee Income
1,272 YoY 31.13%
QoQ 4.86%
1,213
1,189
Loans
YoY 8.87%
356
QoQ -8.01%
1,001
970 350 387
307 Trust
327
YoY 49.41%
QoQ 21.54%
378
276
311
246 Insurance
253 YoY 48.07%
QoQ 5.50%
355
345
327 Securities
262
YoY 45.16%
233
QoQ 9.76%
91
77 82 90
62 Others
YoY 8.42%
95 109 117 106 103
QoQ -2.83%
1Q23 2Q23 3Q23 4Q23 1Q24
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21

Wealth Management Income

(NT$ Million)

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Total Income
659 YoY 49.43%
QoQ 12.27%
582 587
Mutual Fund
176 Fee Income
YoY 69.23%
128
136 QoQ 37.50%
465
441
107 Insurance
104 Fee Income
YoY 48.07%
QoQ 5.50%
345
327
355 Structured
Investment
233 262 Income
YoY -57.14%
QoQ -33.33%
6
9
Other(Note)
14
13 11 Fee Income
123 132 YoY 46.67%
90 83 80 QoQ 7.32%
1Q23 2Q23 3Q23 4Q23 1Q24
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Note：Others are comprised of foreign bond, structured note, exchange traded fund , preferred stock, and etc.

22

Profit of Subsidiaries (NT$ Million)

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Net Profit after Tax 1Q23 1Q24 YoY
TCB 1,247 1,860 49.16%
Subsidiaries 226 230 1.77%
Total 1,473 2,090 41.89%
Subsidiaries,
Subsidiaries,
11.00%
15.34%
TCB,
TCB,
89.00%
84.66%
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Subsidiaries,
15.34%
TCB,
84.66%
1Q23 Profit Breakdown
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1Q24 Profit Breakdown
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23

Capital Adequacy

Consolidated

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16.17%
15.77% 15.70%
15.48% 15.36%
15.19%
B I S
14.27%
13.83% 13.79%
13.62% 13.61%
13.38%
Tier I Capital Ratio
12.26%
11.84% 11.86% 11.75% 11.84%
11.59%
Common Equity Ratio
2022 1Q23(Note) 1H23 3Q23(Note) 2023 1Q24(Note)
Individual
16.32%
15.95% 15.94%
15.74% 15.71%
15.47%
B I S
14.44%
14.03% 14.04%
13.89% 13.97%
13.67%
Tier I Capital Ratio
12.42%
12.01% 12.08% 11.98% 12.16%
11.85%
Common Equity Ratio
2022 1Q23(Note) 1H23 3Q23(Note) 2023 1Q24(Note)
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Note : Self-assessed

24

Agenda

■Financial Highlights ■Financial Review

■Financial Information

■Appendix

25

Balance Sheets (Parent Company Only)

(NT$ Million)

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2021 2022 2023 1Q24 YTD
Assets：
Cash and due from banks 55,821 65,306 70,249 62,260 -11.37%
Financial investment, net 201,027 188,991 217,657 229,151 5.28%
Loans, net 478,441 512,879 540,324 547,865 1.40%
A/R, net 3,176 3,245 4,286 4,586 7.00%
LT investments, net 6,064 6,043 6,541 6,012 -8.09%
Properties and equipment, net 13,708 16,216 17,891 18,143 1.41%
Others 4,101 3,925 4,494 4,333 -3.58%
Total Assets 762,338 796,605 861,442 872,350 1.27%
Liabilities：
Deposits 661,383 685,335 731,665 742,302 1.45%
Other liabilities 37,495 42,040 53,262 51,125 -4.01%
Total Liabilities 698,878 727,375 784,927 793,427 1.08%
Total Equity 63,460 69,230 76,515 78,923 3.15%
Total Liabilities and Equity 762,338 796,605 861,442 872,350 1.27%
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26

Statements of Comprehensive Income (Parent Company Only)

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(NT$ Million)
2021 2022 2023 1Q23 1Q24 YoY
Net Interest 8,696 10,221 10,648 2,633 2,747 4.33%
Service Fee Income, net 2,482 2,495 2,969 656 862 31.40%
Other Net Revenue 1,425 1,291 2,651 603 713 18.24%
Total Net Revenue 12,603 14,007 16,268 3,892 4,322 11.05%
Operating Expenses (5,945) (6,390) (6,660) (1,733) (1,666) -3.87%
Pre-provision Profit 6,658 7,617 9,608 2,159 2,656 23.02%
Provision for Bad Debts (1,204) (1,145) (1,547) (425) (215) -49.41%
Profit Before Income Tax 5,454 6,472 8,061 1,734 2,441 40.77%
Income Tax Expense (658) (1,128) (1,240) (261) (351) 34.48%
Net Profit After Income Tax 4,796 5,344 6,821 1,473 2,090 41.89%
Other Comprehensive Income [Note] 88 (1,414) 1,969 621 318 -48.79%
Total Comprehensive Income for the Year 4,884 3,930 8,790 2,094 2,408 15.00%
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Note：2024Q1 Other Comprehensive Income NT$ 318 million is mainly comprised of Unrealized (losses) gains on investments in equity instruments at fair value through other comprehensive income NT$ 534 million and Unrealized (losses) gains on investments in debt instruments designated as at fair value through other comprehensive income NT$ -253 million.

27

Balance Sheets (Consolidated)

(NT$ Million)

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2021 2022 2023 1Q24 YTD
Assets：
Cash and due from banks 56,159 66,682 70,929 62,750 -11.53%
Financial investment, net 202,664 190,639 218,533 230,119 5.30%
Loans, net 479,806 514,113 541,844 549,378 1.39%
A/R, net 14,352 14,435 22,156 24,199 9.22%
LT investments, net 165 172 172 180 4.65%
Properties and equipment, net 13,755 16,256 17,924 18,177 1.41%
Others 5,777 5,666 6,390 6,302 -1.38%
Total Assets 772,678 807,963 877,948 891,105 1.50%
Liabilities：
Deposits 659,116 683,104 728,916 740,374 1.57%
Other liabilities 50,102 55,629 72,517 71,808 -0.98%
Total Liabilities 709,218 738,733 801,433 812,182 1.34%
Total Equity 63,460 69,230 76,515 78,923 3.15%
Total Liabilities and E uit 772,678 807,963 877,948 891,105 1.50%
q y
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28

Statements of Comprehensive Income (Consolidated)

(NT$ Million)

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2021 2022 2023 1Q23 1Q24 YoY
Net Interest 9,278 10,775 11,325 2,757 2,933 6.38%
Service Fee Income, net 3,375 3,317 3,937 893 1,166 30.57%
Other Net Revenue 1,069 925 2,235 499 578 15.83%
Total Net Revenue 13,722 15,017 17,497 4,149 4,677 12.73%
Operating Expenses (6,784) (7,164) (7,596) (1,942) (1,927) -0.77%
Pre-provision Profit 6,938 7,853 9,901 2,207 2,750 24.60%
Provision for Bad Debts (1,369) (1,253) (1,668) (438) (261) -40.41%
Profit Before Income Tax 5,569 6,600 8,233 1,769 2,489 40.70%
Income Tax Expense (773) (1,256) (1,412) (296) (399) 34.80%
Net Profit After Income Tax 4,796 5,344 6,821 1,473 2,090 41.89%
Other Comprehensive Income [Note] 88 (1,414) 1,969 621 318 -48.79%
Total Com rehensive Income for the Year 4,884 3,930 8,790 2,094 2,408 15.00%
p
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Note：The note is the same as P.27

29

Agenda

■Financial Highlights

■Financial Review

■Financial Information

■Appendix

30

2024 Credit Rating

Date: March 22 2024 ,

	Fitch Ratings Long term Short term Outlook
	National Rating A (twn) F1 (twn) Stable
	International Rating BBB- F3 Stable
	Viability Rating bbb-

31

Social Responsibility

• Implemented corporate social responsibility by donating NT$10 million to students affected by the Hualien earthquake and providing favorable financing terms to affected households

On April 3, 2024, a magnitude 7.2 earthquake struck Taiwan. In order to help students affected by the earthquake in Hualien overcome this difficulty and to protect the children's rights and interests in learning, the Bank donated NT$10 million to the Department of Education, Hualien County Government. Through concrete actions, the Bank is helping the students get back to normal.

For persons who are seriously injured, who need to be hospitalized for treatment, or whose houses need to be renovated or reconstructed due to this earthquake, the Bank provides favorable financing terms such as loan limits up to a maximum of NT$500,000, zero interest for the first year, maximum loan terms of 7 years, free handling fees, no prepayment penalty, and more. In addition, for households with mortgages affected by this earthquake, the Bank also provides principal payment deferrals, principal and interest payment deferrals, 6-month repayment period extensions, and other programs aimed at reducing repayment pressure on households in areas hit by the earthquake.

32

Social Participation

• Launched Trust 2.0 Program for Trust Promotion Activities by Local Village and Town Offices

In to the Financial Commission‘s Trust 2.0 Trust response Supervisory Comprehensive implementation plan, and in cooperation with the Trust Association of R.O.C in its Program for Trust Promotion Activities by Local Village and Town Offices, the Bank has held briefing sessions in a number of villages starting from April to help the public understand the importance of elder care trusts. On April 19, 2024, the Bank, led by the independent director Pi-Ta Chen and the Executive Vice President Chun-Yin Wang, organized an advocacy event in Biantou Village, Xihu Township, with the theme of "Trusts Are Here to Help: Protect property, prevent fraud, and provide elder care". The event included an introduction to elder care trusts, understanding the risks of aging, treating customers fairly, prevention of digital banking fraud, etc.

The Bank has long been concerned about social issues such as aging, treating customers fairly, fraud prevention, and consumer protection. For this program, we have planned a series of advocacy activities including 8 sessions at locations in northern, central, and southern Taiwan. Through these activities, we will make direct contact with local people in a way that goes deep into neighborhoods. In addition to sharing financial knowledge, we also hope that our interactions and communications with the public will bring consumers more friendly, fair and considerate financial experiences.

33

Glory and Affirmation

• Awarded the Green Credit Promotion Award and the Batch-Type Credit Guarantee Golden Quality Award for small and medium-sized enterprises

The Bank achieved great results at the 2024 Small and Medium Enterprises Credit Guarantee Financing Business Outstanding Financial Institutions and Credit Extension Managers Award Ceremony held by the Small and Medium Enterprises Credit Guarantee Fund of Taiwan on March 20, 2024. Not only has the Bank received the Green Credit Promotion Award for two consecutive but we have also won the years, Batch-Type Credit Guarantee Golden Quality Award for the first time. These awards recognize the Bank's outstanding capabilities in supporting small and medium-sized enterprise financing, and in extending green credit.

The Bank has spared no efforts to deeply cultivate the field of green credit. Our results from promoting green credit are not only in line with the international trend toward sustainable development, but also provide more green financing opportunities for domestic small and medium-sized enterprises. The Bank’s performance in batch-type credit guarantee financing is also impressive. With financing reaching at least NT$3 billion, this demonstrates the Bank's understanding of and support for the financing needs of small and medium-sized The Bank will continue to exert our enterprises. specialized advantages, to contribute more to Taiwan's economic development and environmental sustainability.

34

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Thanks for your listening!

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