T.C.C.B. — Investor Presentation 2025

Mar 14, 2025

Taichung Commercial Bank 2024 Investor Conference

MAR. 17, 2025

Code：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 Financial Highlight

Profitability

• Net Profit after tax NT$ 8.292 billions, 21.57% growth over the same period last year.

• EPS 1.50, 14.50% growth over the same period last year.

Asset quality

• NPL ratio 0.06%、NPL coverage ratio 2,052.05%.

Capital adequacy

• Consolidated：Capital Adequacy Ratio 13.67%、Tier I Capital

• Ratio 12.34%、Common Equity Ratio 11.15%.

• Individual：Capital Adequacy Ratio 13.86%、Tier I Capital

• Ratio 12.56%、Common Equity Ratio 11.35%.

4

Agenda

■Financial Highlights

■Financial Review

■Financial Information

■Appendix

5

Asset Size and Net Worth

(NT$ Hundred Million)

Asset size

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9,721
8,779 +10.73%
8,080 +8.65%
2022 2023 2024
Net Worth
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821
765 +7.32%
692 +10.55%
2022 2023 2024
Note：Consolidated Financial Statements figures.
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6

Profitability

Net Profit

( NT$ Million )

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8,292
+21.57%
6,821
+27.64%
5,344
2022 2023 2024
EPS
( NT$ )
1.50
+14.50%
1.31
+16.96%
1.12
2022(Note1) 2023(Note2) 2024
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Note1：The EPS in 2022 Consolidated 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%. Note2：The EPS in 2023 Consolidated Financial statement was 1.31. After been retroactive adjusted, the EPS of 2023 was 1.24. The growth rate of EPS in 2024 over 2023 was 20.97%.

7

Profitability

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ROA
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0.91%
0.82%
0.69%
2022 2023 2024
ROE
10.46%
9.36%
8.06%
2022 2023 2024
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Note：Consolidated Financial Statements figures.
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8

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

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2023 2024
YoY 10.06% YoY 9.19% YoY -38.40% YoY 20.08%
9,680
17,905
16,268
8,061
7,272
6,660
1,547
953
Total Net Revenue Operating Expenses Provision Profit before tax
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9

TCB′s Net Revenue (NT$ Million)

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2023 2024
YoY 7.68% YoY 19.87% YoY 8.64%
11,466 Net Fee
10,648
Income
Net Interest 19.88%
Income
Other Net
64.04%
Income
16.08%
3,559
2,969 2,880
2,651
Net Revenue Structure 2024
Net Interest Net Fee Other Net
Income Income Income
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10

Fee Income Breakdown

(NT$ Million)

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Fee Income YoY 16.99%
1,309
1,272 1,278 YoY 7.91%
1,257
1,213 QoQ 2.43% 5,116
Loans
YoY 2.84%
398
356 368 QoQ 8.15% 4,373
374
1,496
387
Loans
1,371
Trust
YoY 31.83%
-
QoQ
378
363 410 410 Trust
311 1,561
Insurance
1,086
YoY -8.56%
QoQ 6.79% Insurance
327 345 303 280 299 Securities 1,227
YoY 9.76% 1,177
Securities
QoQ -17.43%
82 90 109 109 90 Others 312 398
YoY 5.66% Others
106 103 108 111 112 QoQ 0.90% 427 434
2023 2024
4Q23 1Q24 2Q24 3Q24 4Q24
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Note：Consolidated Financial Statements figures.

11

Wealth Management Income

(NT$ Million)

	Total Income YoY 7.84% QoQ 3.09% Mutual Fund Fee Income YoY 98.44% QoQ 9.48% Insurance Fee Income YoY -8.56% QoQ 6.79% Other (Note1) Fee Income YoY -39.39% QoQ -21.57% 132 138 132 102 80 327 345 303 280 299 128 176 190 232 254 4Q23 1Q24 2Q24 3Q24 4Q24 614 625 659 587 633	423 452 1,177 1,227 475 852 2023 2024 Mutual Fund Fee Income Insurance Fee Income Other Fee Income 2,531 2,075 YoY 21.98%

Note1：Others are comprised of foreign bond, structured note, structured investment income, exchange traded fund , preferred stock, and etc.

Note2：Consolidated Financial Statements figures.

12

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 10.52%
QoQ 2.97%
8,087
7,854 Time & saving deposits
7,504 (foreign currency)
7,423
7,317 798 YoY 20.18%
771
QoQ 3.50%
698 267
684
664 267
256 257
273
Checking & demand
deposits (foreign currency)
YoY -2.20%
-
QoQ
3,377
3,257
2,798 2,993 3,046
Time & saving deposits
(local currency)
YoY 20.69%
QoQ 3.68%
3,582 3,490 3,503 3,559 3,645
Checking & demand
deposits (local currency)
YoY 1.76%
QoQ 2.42%
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1Q24

4Q23

2Q24

3Q24

4Q24

13

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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48.96%
47.02% 46.68%
45.32% 45.07%
40.32% 41.47% 41.76%
40.59%
38.24%
9.07% 9.21% 9.30% 9.81% 9.87%
3.73% 3.45% 3.43% 3.40% 3.30%
4Q23 1Q24 2Q24 3Q24 4Q24
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14

TCB′s Loan Structure (NT$ Hundred Million)

Corporate Banking Consumer Banking

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3,100
2,990
2,859
2,690 2,617
2,505
2022 2023 2024
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2022 2023 2024 YOY
Corporate Banking 2,505 2,617 2,990 14.25%
Consumer Banking 2,690 2,859 3,100 8.43%
Total 5,195 5,476 6,090 11.21%
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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”.

15

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

Foreign Currency Loan NTD Loan

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5,574
5,113
4,833
93.03% 93.37% 91.53%
516
362 363
6.97% 6.63% 8.47%
2022 2023 2024
2022 2023 2024 YOY
NTD Loan 4,833 5,113 5,574 9.02%
Foreign Currency Loan 362 363 516 42.15%
Total 5,195 5,476 6,090 11.21%
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16

TCB′s Loan Breakdown (NT$ Hundred Million)

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Total Loan
YoY 11.21%
6,090 QoQ 3.94%
5,859
5,548 5,713 375 Corporate (Note1)
5,476 336 YoY 28.42%
301 OBU &
292 291 QoQ 11.61% Overseas Mortgage Consumption
branch 1.69%
SME 14.89%
7.23%
YoY 8.91%
2,175
2,096 QoQ 3.77%
2,034
1,993
1,997
OBU & Overseas
branch (Note2)
YoY 34.15% Other
440 QoQ 13.40% Personal
378 388
328 345 Loan
Mortgage 34.32%
907 YoY 10.21%
904 931 SME
823 852 QoQ -2.58%
35.71%
103
109 105 Consumption
117 112
Loan
YoY -11.97%
QoQ -1.90%
Corporate
1,919 1,955 1,987 2,003 2,090
Other Personal 6.16%
Loan
YoY 8.91% Loan Structure 2024
QoQ 4.34%
4Q23 1Q24 2Q24 3Q24 4Q24
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Note 1：The balance of Corporate loan included government loans. (The balance in 2024Q4 was 0 billions in NT$) Note 2：The loan balance of OBU & overseas branch in 2024Q4 were 33.9 billions and 10.1 billions in NT$ ,respectively.

17

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

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Non-secured Secured
5,007
4,596
4,385
83.93% 82.22%
84.41%
1,083
880
810
15.59% 16.07% 17.78%
2022 2023 2024
2022 2023 2024 YOY
Non-secured 810 880 1,083 23.07%
Secured 4,385 4,596 5,007 8.94%
Secured by property 3,984 4,192 4,579 9.23%
Secured by Letter of Guarantee 161 164 166 1.22%
Others 240 240 262 9.17%
Total 5,195 5,476 6,090 11.21%
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18

TCB′s Loan to Deposit Ratio(LDR)

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80.83%
80.55%
79.70% 79.79%
79.47%
NTD LDR
76.18%
75.65%
75.17% Overall
74.79% 74.65%
LDR
48.46%
Foreign
Currency
44.35%
42.99% LDR
40.94%
38.70%
4Q23 1Q24 2Q24 3Q24 4Q24
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19

TCB′s Spreads

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3.09%
3.06%
2.95% 2.96%
2.93%
2.90% 2.91% 2.91% 2.89%
2.78%
2.73% Foreign Currency Spreads
2.59%
2.48%
2.42%
2.30%
NTD Spreads
1.92% 1.93% 1.92% 1.91% 1.91% 1.90% 1.90% 1.89%
1.87% 1.88% 1.84% 1.87% 1.86% 1.85% 1.86%
1.86% 1.87%
1.82% 1.81% 1.83% 1.82%
1.80% 1.78% 1.80% 1.80%
1.77% 1.76% 1.74% 1.74% 1.75%
Overall Spreads
2023/10 2023/11 2023/12 2024/1 2024/2 2024/3 2024/4 2024/5 2024/6 2024/7 2024/8 2024/9 2024/10 2024/11 2024/12
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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%. 2024/9/19 cut 0.50%. 2024/11/8 cut 0.25%. 2024/12/19 cut 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%.

20

TCB′s Net Interest Margin(NIM)

(NT$ Hundred Million)

NIM & Average of Interest earning assets

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1.41%
1.36% 1.36% 1.36%
1.35%
NIM
Average of Interest earning assets
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8,328
8,177
8,116
8,021
7,553
2023 1Q24 1Q-2Q24 1Q-3Q24 2024
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21

TCB′s Operating Expenses to Net Income

(NT$ Million)

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Net Income Operating Expenses
45.62%
40.94%
40.61%
Cost-Income Ratio
17,905
16,268
14,007
7,272
6,390 6,660
2022 2023 2024
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22

TCB′s Asset quality (NT$ Million)

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NPL ratio & NPLs
0.14%
0.13%
0.11%
0.10%
0.06%
NPL ratio
NPLs
778
749
639
600
359
4Q23 1Q24 2Q24 3Q24 4Q24
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23

TCB′s Asset quality

(NT$ Million)

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NPL Coverage Ratio & Loan Loss Provision
2052.05%
1195.03% NPL Coverage Ratio
1100.48%
935.33% 931.79%
Loan Loss Provision
7,374
7,281
7,173
7,037
6,978
4Q23 1Q24 2Q24 3Q24 4Q24
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24

Capital Adequacy

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Consolidated
15.77% 15.70%
15.19%
14.92%
13.83%
13.79% 13.67%
13.38%
13.21%
B I S
12.34%
11.84% 11.86%
11.59% 11.49% Tier I Capital Ratio
11.15%
Common Equity Ratio
2022 1H23 2023 1H24 2024
Individual
15.95% 15.94%
15.47%
15.26%
14.03% 14.04%
13.86%
13.67%
13.55%
B I S
12.56%
12.01% 12.08% 11.85% 11.79% Tier I Capital Ratio
11.35%
Common Equity Ratio
2022 1H23 2023 1H24 2024
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25

Overseas & OBU Performance

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LBU & OBU EBIT
(NT$ Million) LBU OBU
1,472
+94.71%
102
+60.85% 756
470
75 1,370
28
681
442
2022 2023 2024
LBU & OBU EBIT proportion 2024 EBIT Breakdown
16.63% 16.45% 16.36%
15.21%
Domestic
9.38% 84.79%
OBU
LBU
2023 1Q24 1H24 1Q~3Q24 2024
14.15%
1.06%
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26

Profit of Subsidiaries (NT$ Million)

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Net Profit after Tax 2023 2024 YoY
TCB 6,094 7,320 20.12%
Subsidiaries 727 972 33.70%
Total 6,821 8,292 21.57%
Subsidiaries, Subsidiaries,
10.66% 11.72%
TCB,
TCB,
88.28%
89.34%
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2023 Profit Breakdown
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2024 Profit Breakdown
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27

Agenda

■Financial Highlights ■Financial Review

■Financial Information

■Appendix

28

Balance Sheets (Parent Company Only)

(NT$ Million)

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2022 2023 2024 YOY
Assets：
Cash and due from banks 65,306 70,249 65,669 -6.52%
Financial investment, net 188,991 217,657 251,073 15.35%
Loans, net 512,879 540,324 601,678 11.36%
A/R, net 3,245 4,286 4,816 12.37%
LT investments, net 6,043 6,541 6,942 6.13%
Properties and equipment, net 16,216 17,891 18,732 4.70%
Others 3,925 4,494 4,858 8.10%
Total Assets 796,605 861,442 953,768 10.72%
Liabilities：
Deposits 685,335 731,665 808,728 10.53%
Other liabilities 42,040 53,262 62,949 18.19%
Total Liabilities 727,375 784,927 871,677 11.05%
Total Equity 69,230 76,515 82,091 7.29%
Total Liabilities and Equity 796,605 861,442 953,768 10.72%
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29

Statements of Comprehensive Income (Parent Company Only)

(NT$ Million)

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2022 2023 2024 YoY
Net Interest 10,221 10,648 11,466 7.68%
Service Fee Income, net 2,495 2,969 3,559 19.87%
Other Net Revenue 1,291 2,651 2,880 8.64%
Total Net Revenue 14,007 16,268 17,905 10.06%
Operating Expenses (6,390) (6,660) (7,272) 9.19%
Pre-provision Profit 7,617 9,608 10,633 10.67%
Provision for Bad Debts (1,145) (1,547) (953) -38.40%
Profit Before Income Tax 6,472 8,061 9,680 20.08%
Income Tax Expense (1,128) (1,240) (1,388) 11.94%
Net Profit After Income Tax 5,344 6,821 8,292 21.57%
Other Comprehensive Income [Note] (1,414) 1,969 (625) -131.74%
Total Comprehensive Income for the Year 3,930 8,790 7,667 -12.78%
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Note：2024 Other Comprehensive Income NT$ -625 million is mainly comprised of Unrealized (losses) gains on investments in equity in struments at fair value through other comprehensive income NT$ 1,010 million and Unrealized (losses) gains on investments in debt instruments designated as at fair value through other comprehensive income NT$ -1,789 million.

30

Balance Sheets (Consolidated)

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(NT$ Million)
2022 2023 2024 YOY
Assets：
Cash and due from banks 66,682 70,929 66,076 -6.84%
Financial investment, net 190,639 218,533 252,499 15.54%
Loans, net 514,113 541,844 603,477 11.37%
A/R, net 14,435 22,156 24,363 9.96%
LT investments, net 172 172 193 12.21%
Properties and equipment, net 16,256 17,924 19,411 8.30%
Others 5,666 6,390 6,060 -5.16%
Total Assets 807,963 877,948 972,079 10.72%
Liabilities：
Deposits 683,104 728,916 806,665 10.67%
Other liabilities 55,629 72,517 83,323 14.90%
Total Liabilities 738,733 801,433 889,988 11.05%
Total Equity 69,230 76,515 82,091 7.29%
Total Liabilities and E uit 807,963 877,948 972,079 10.72%
q y
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31

Statements of Comprehensive Income (Consolidated)

(NT$ Million)

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2022 2023 2024 YoY
Net Interest 10,775 11,325 12,251 8.18%
Service Fee Income, net 3,317 3,937 4,729 20.12%
Other Net Revenue 925 2,235 2,319 3.76%
Total Net Revenue 15,017 17,497 19,299 10.30%
Operating Expenses (7,164) (7,596) (8,295) 9.20%
Pre-provision Profit 7,853 9,901 11,004 11.14%
Provision for Bad Debts (1,253) (1,668) (1,101) -33.99%
Profit Before Income Tax 6,600 8,233 9,903 20.28%
Income Tax Expense (1,256) (1,412) (1,611) 14.09%
Net Profit After Income Tax 5,344 6,821 8,292 21.57%
Other Comprehensive Income [Note] (1,414) 1,969 (625) -131.74%
Total Com rehensive Income for the Year 3,930 8,790 7,667 -12.78%
p
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Note：The note is the same as P.30 .

32

Agenda

■Financial Highlights

■Financial Review

■Financial Information

■Appendix

33

2024 Glory and Affirmation

• ★ Won the Class 1 Gold Award in the Finance and Insurance at the 17[th] Taiwan Corporate Sustainability Awards (TCSA) by the Taiwan Institute for Sustainable Energy.

• ★ Received the Green Credit Promotion Award and the Golden Quality Award for BatchType Credit Guarantee from the Small & Medium Enterprise Credit Guarantee Fund of Taiwan.

• ★ Won the Sponsorship Class Gold Award and the Sponsorship Class Long-term Sponsorship Award at the Ministry of Education’s Sports Activist Awards.

• ★ Won a Support Award in Buying Power Social Innovation Products and Services Procurement Program by the Small and Medium Enterprise Administration, MOEA.

• ★ The Bank’s TCFD Climate-Related Financial Disclosure Report received the highest rating, Level 5+: Excellent, in the TCFD Compliance Evaluation by the British Standards Institution (BSI).

• ★ The Bank’s simplified online ATM received Accessibility Certification.

• ★ Honored in Overseas Chinese University’s 5[th] Excellent Industry Academy Cooperative Internship Institution awards.

• ★ Received the 4-Star Blissful Workplace Award from the Labor Affairs Bureau, Taichung City Government.

• ★ Won the Most Popular Brand Award in the ROC National Enterprise Competitiveness Development Association’s National Brand Yushan Awards.

2024 Glory and Affirmation

• ★ Ranked 463rd in the “Top 1000 World Banks” list by the prestigious UK magazine The Banker .

• ★ Recognized by the China Credit Information Service, Ltd. as one of the Top 5000 Largest Corporations in Taiwan.

• ★ Received the Outstanding Bank Performance Award in the 7[th] Phase Financial Supervisory Commission’s Credit Program for Lending in Target Countries of the New Southbound Policy.

• ★ Awarded in the 4[th] Commercial Times Digital Financial Awards: Digital Data Security Awards, Anti-Scam Division (Gold); Digital Data Security Awards, Security (Superior); Digital Innovation Awards (Superior); and Digital Customer Fairness (Superior).

• ★ Passed BS 10012:2017 British Standard for Personal Information Management Systems recertification by the British Standards Institution (BSI); new certificate valid until February 5, 2027.

• ★ Passed TIPS (Level A) v2016 verification by the Industrial Development Administration, MOEA .

• ★ Won the Euro Clearing Elite Quality Recognition Award from JPMorgan Chase Bank.

• ★ Won the Straight-Through Processing (STP) Award from BNY Mellon.

• ★ Won the Highest Customer Recommendation Award at the Wealth Magazine Wealth Management Awards.

Treat Customers Fairly, TCF 2.0

Establishing a CRM Department and building a dedicated anti-fraud taskforce

The Bank has long made it our goal to provide customers with better financial consumer experiences, and by doing so, enhance customer satisfaction and loyalty.

In order to more thoroughly realize our corporate culture of putting the customer first and to enhance customer satisfaction and loyalty, in 2024, we promoted our Customer Service Center to the Customer Relations Management (CRM) Department. They serve as the dedicated department for fair customer treatment, to make sure that every customer receives appropriate, high-quality service in accordance with their needs.

Also, in order to strengthen our anti-fraud mechanisms for finance, we are using many channels such as our official website, social media, and email to fight fraud. Via these channels, we are alerting customers to be wary of new forms of fraud, and providing them with practical knowledge to fight scams. Internally, we are also establishing a dedicated anti-fraud taskforce. They will use advanced AI technology to monitor and analyze unusual transactions, which will help raise our overall effectiveness in fighting fraud and create strong defenses against scams.

In the future, the Bank will remain committed to our principle of “We Do Our Best for You” as we strengthen our internal organizational culture and enhance our management systems. In alignment with the competent authority’s anti-fraud policies, we are dedicated to improving our financial anti-fraud capability, while fulfilling Taichung Bank’s vision of being “The Nation's Leading Bank, Society's Greatest Expectation and Customers’ Most Reliable Bedrock”.

36

2025 Strategy Outlook

◎ Stabilize deposit structures; strive to expand market share.

• Expand overseas profits; enhance international deployment.

• Precisely differentiate services; make wealth management smarter and more convenient.

• Make the future harmonious and green; create sustainable value.

• Stringent financial supervision; strict legal compliance.

• Realize inclusive value; help form a culture of equality.

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37
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Thanks for your listening!

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