2Q / 2010 (v.1)/

*

2010

*

*

1H/10 2Q/10 2.8 QoQOBUOBU8.9QoQ1H/1032bps0.70123; 8284(spread); NIM1.00; 2010751%YoY31%QoQ14%YoY8ROE9.5

*

4%QoQ: NT$bn4.4QoQ4.1QoQ1Q/102Q/102.8% QoQ2010 1H/10 ** ** **Total:1,2961,2801,2801,2281,262

Chart1

502098051308598

532096444320591

582075741339578

592053123342569

592013021356594

Other consumer

Mortgage

Gov.-linked

Other corp.

SME

Large corp.

Sheet2

200220032Q/093Q/094Q/091Q/102Q/10

Other consumer331635053585959

Mortgage60142209209207205201

Gov.-linked0768064573130

Other corp.5144412321

SME308320339342356

Large corp.598591578569594

Sheet2

1

Other consumer

#REF!

Mortgage

Other corp.

*

YoY 2Q/10 * 2Q/10 vs. 2Q/09 -*Unit: NT$BNYoY*

Chart1

403418

122144

101108

9699

6560

5358

6517

259260

13298

2Q/09

2Q/10

Sheet2

20022003

2Q/093316340312210196655365259132

2Q/10251404181441089960581726098

*

OBU8.9%QoQ; : NT$bnOBUOBU8.9% QoQ7.6% YoY1.5% QoQ

2Q/10 * * ** OBU Off-Shore Banking Unit

Chart1

928170198

917167196

923169188

881168180

895183183

Domestic

OBU

Overseas branches

Sheet2

200220032Q/093Q/094Q/091Q/102Q/10

Domestic33163928917923881895

OBU60142170167169168183

Overseas branches076198196188180183

Total1,2961,2801,2801,2281,262

Sheet2

1

Domestic

#REF!

OBU

Total

*

**: NT$MN: NT$MN* 90** : /10:0.67%/10:145.09%

*

* **1H/10 0.32%1H/10

* ** / ; 1H/10;

Chart1

0.0149

0.0146

0.0127

0.0108

0.0101

0.009

Sheet1

Mega Bank Corp. Loan NPL Trend

1Q/092Q/093Q/094Q/091Q/102Q/10

1.49%1.46%1.27%1.08%1.01%0.90%

Sheet1

1

#REF!

Sheet2

Sheet3

Chart1

0.0135

0.0128

0.0116

0.0102

0.0096

0.007

Sheet1

Mega Bank Corp. Loan NPL Trend

1Q/092Q/093Q/094Q/091Q/102Q/10

1.35%1.28%1.16%1.02%0.96%0.70%

Sheet1

1

#REF!

Sheet2

Sheet3

Chart1

0.0158

0.0146

0.0126

0.0114

0.0096

0.0077

Sheet1

Mega Bank Corp. Loan NPL Trend

1Q/092Q/093Q/094Q/091Q/102Q/10

1.58%1.46%1.26%1.14%0.96%0.77%

Sheet1

1

#REF!

Sheet2

Sheet3

Chart1

0.0131

0.0093

0.0084

0.0152

0.0078

0.0087

0.0032

Sheet1

Mega Bank Corp. Loan NPL Trend

2004200520062007200820091H/10

1.31%0.93%0.84%1.52%0.78%0.87%0.32%

Sheet1

Sheet2

Sheet3

*

; *: %; NT$bn2Q/10 * .

2Q/10;

Total: 1,4691,4551,4511,5121,4951,499

Chart1

339214539377

372229520334

392248501310

441265520286

430270529265

443261535260

NTD demand deposit

FX demand deposit

NTD time deposit

FX time deposit

Sheet2

200220031Q/092Q/093Q/094Q/091Q/102Q/10

NTD demand deposit33163339372392441430443

FX demand deposit076214229248265270261

NTD time deposit60142539520501520529535

FX time deposit377334310286265260

Sheet2

0100

000

0

0

0

NTD demand deposit

#REF!

#REF!

FX time deposit

*

; ** OBU

*

NIM/2010NIM*: NT$MN**NIM.

: NT$BN* NIM = / ** ;

7/10:1.11%Total:2,1042,1592,1612,1121,9611,983

Chart1

1333284487

1300314545

1290383489

1282351479

1246329386

1238426318

loan

others

interbank

Sheet2

200220031Q/091H/091-3Q/0920091Q/101H/10

loan331631,3331,3001,2901,2821,2461,238

others60142284314383351329426

interbank076487545489479386318

Sheet2

1

loan

#REF!

others

#REF!

*

NIM: NT$MN: NT$MNNIM* +NIM** NIM = /

*

51%YoY31%QoQ *: NT$MN* ** **1H/1051YoY2Q/1031%QoQ;

185208Total: 461337378449342448

Chart1

3Q/08215629886

4Q/0839296179

1Q/0964375529

2Q/091195113136

29925316045

6776022579

0425416581

96067196116

Bond Fee

Structured Notes Fee

Bancassurance Fee

Mutual Fund Fee

Management Fee**

Sheet2

200220033Q/084Q/081Q/092Q/093Q/094Q/091Q/102Q/10

Bond Fee29609

Structured Notes Fee33163215396411992774260

Bancassurance Fee251406229375153605467

Mutual Fund Fee60142986155131160225165196

Management Fee**07686792936457981116

Sheet2

215629886

39296179

64375529

1195113136

Structured Notes Fee

Bancassurance Fee

Mutual Fund Fee

Management Fee**

*

1H/091H/10: NT$MN51%YoY12%YoY33%YoY22%YoY

Chart1

522790

763858

691918

168192

428523

183211

650

1H/09

1H/10

Sheet2

20022003

1H/093316352276369116842818365

1H/10251407908589181925232110

*

1H/2010 RP

1H/2010 1: NT$BN

Chart2

22

21

2

91

271

106

104

7

5

2

4%

3%

Sheet1

Mega FHC Financial Asset Breakdown

Financial assets at fair value thru P&L3Q/083Q/07

Stock(Listed)112

Stock(Un-listed)00

Mutual fund03

CP7683

NCD & CD930

Corp bond & bank debenture5663

Gov. bond & treasury note1411

Derivatives73

Others11

Sub Total164206

AFS financial assets3Q/083Q/07

Stock(Listed)1216

Stock(Un-listed)00

Mutual fund1521

CP57

NCD & CD232

Corp bond & bank debenture6764

Gov. bond & treasury note121150

Derivatives00

Others14

sub total223294

HTM financial assets3Q/083Q/07

Stock(Listed)00

Stock(Un-listed)00

Mutual fund00

CP00

NCD & CD6816

Corp bond & bank debenture1610

Gov. bond & treasury note24

Derivatives00

Others00

sub total8630

Others financial assets3Q/083Q/07

Stock(Listed)00

Stock(Un-listed)2426

Mutual fund00

CP00

NCD & CD00

Corp bond & bank debenture25

Gov. bond & treasury note00

Derivatives00

Others33

Total position2934

Total financial assets1H/10

221228

212326

2124

9112190

2719778

106132142

104142165

7123

5

2148

Total position0554564

Sheet1

Sheet2

Sheet3

Chart2

161

188

259

24

Sheet1

Mega FHC Financial Asset Breakdown

Financial assets at fair value thru P&L3Q/083Q/07

Stock(Listed)112

Stock(Un-listed)00

Mutual fund03

CP7683

NCD & CD930

Corp bond & bank debenture5663

Gov. bond & treasury note1411

Derivatives73

Others11

Sub Total164206

AFS financial assets3Q/083Q/07

Stock(Listed)1216

Stock(Un-listed)00

Mutual fund1521

CP57

NCD & CD232

Corp bond & bank debenture6764

Gov. bond & treasury note121150

Derivatives00

Others14

sub total223294

HTM financial assets3Q/083Q/07

Stock(Listed)00

Stock(Un-listed)00

Mutual fund00

CP00

NCD & CD6816

Corp bond & bank debenture1610

Gov. bond & treasury note24

Derivatives00

Others00

sub total8630

Others financial assets3Q/083Q/07

Stock(Listed)00

Stock(Un-listed)2426

Mutual fund00

CP00

NCD & CD00

Corp bond & bank debenture25

Gov. bond & treasury note00

Derivatives00

Others33

Total position2934

Total financial assets1H/104Q/083Q/07

1611228

1882326

259124

2412190

Sheet1

Sheet2

Sheet3

*

*

1H/10 : NT$MN11111,23-----1. 2. 3. -

*

: NT$MN**14 YoY

1H09 vs. 1H/10 *1H/2010

* **

+14%

*

Moodys: A1 / S&P: A Moodys: A3Moodys: A3 / S&P: BBB+ * : 200% : 150% : 8.0% : 8.0% : 100%*

*

ROE ROA: NT$ ROE 10~12% ROA >1%ROEpay-out >70%>50% 100572008

* DPS / **

100% Payout81% Payout833% Payout77% Payout

*

ECFA201010 35 13.44NT$6.08BNNT$11.220126

42010

*

* . NT$0.2BN NT$0.8BN1H/10*

Sheet1

NT$MN, except per share data1H/2010*1H/2009*YoY2009*

12,11013,889-13%26,475

4,7074,12614%9,539

775880-12%1,360

8942,894-69%4,728

3491,391-75%2,071

220-(180)

723985%185

112-92%2

634746-15%1,955

(249)(722)-66%(1,993)

00-462

4502,440-82%1,829

19,76525,695-23%46,432

(10,191)(9,856)3%(20,048)

9,57415,839-40%26,384

12(5,094)-100%(7,306)

(27)(148)-82%(22)

9,55910,597-10%19,056

(1,829)(2,546)-28%(4,711)

366500%(13)

7,6948,046-4%14,332

EPS (NT$)0.700.73-4%1.30

*

* .1H/10*

Sheet1

1H/10*1H/09*YoY2009*YTD

:

$218,891$602,393-64%$404,879-46%

$808$986-18%$7962%

$161,109$166,402-3%$127,52526%

$187,520$249,823-25%$233,017-20%

$259,258$194,53933%$263,153-1%

$24,197$25,355-5%$24,821-3%

$141,236$91,37355%$121,35516%

$1,265,297$1,297,234-2%$1,281,835-1%

$2,684$2,5824%$2,728-2%

$22,107$23,565-6%$23,690-7%

$10,204$12,099-16%$13,732-26%

$2,293,311$2,666,352-14%$2,497,531-8%

$241,549$656,487-63%$453,897-47%

$1,488,661$1,410,2726%$1,484,6290%

$55,372$57,644-4%$57,259-3%

$176,647$207,714-15%$171,3663%

$140,773$148,540-5%$134,0875%

$2,103,002$2,480,657-15%$2,301,236-9%

$110,594$110,5940%$110,5940%

$43,426$43,4260%$43,4260%

$28,551$25,63111%$31,917-11%

$7,118$5,48730%$9,718-27%

$620$55711%$641-3%

$190,309$185,6952%$196,295-3%

$2,293,311$2,666,352-14%$2,497,531-8%

(NT$)17.2116.792%17.75-3%

*

*

100%100%100%100%100% (2886)100%100%1H/2010*NT$ Billion100% *** **

*

*

201010LabuanSingaporeChonburiBangkokHo Chi Minh CityManilaBahrain*ParisAmsterdamLondonLos AngelesVancouverRichmondPanamaColonSilicon ValleyChicagoNew YorkToronto -ChinatownTorontoOsakaTokyoTaiwan (OBU)Ha Noi**BangnaMumbai*Suzhou*Ban PongAbu Dhabi**HKPhnom Penh**Ban Pong)2010201010Kuala Lumpur** BahrainKuala LumpurMumbai **

*

1H/2010: NT$MN USD:NTD=1:32.209