Mega Financial Holding (2886) investor relations material

Executive summary

• 1H/26 net profit reached NT$21.3 billion, up 17% year-over-year, with EPS at NT$1.44 and strong contributions from both banking and non-banking subsidiaries.

• Total deposits grew 8% YoY to NT$3.3 trillion, and average outstanding loan balance rose 9% YoY to NT$2.5 trillion.

• Wealth management AUM hit a record NT$264 billion, with net fee income up 49% YoY, driven by affluent customer acquisition and advisory services.

• Non-bank subsidiaries posted robust earnings: securities net income surged 410% YoY, CKI up 49%, bills up 46%, and site subsidiary up 126%.

• Syndicated loan business maintained a top-three market position, arranging major financings in electronics, petrochemicals, energy, and aviation.

Financial highlights

• Consolidated net revenue for 1H/26 was NT$46.3 billion, up 19% YoY; net interest income rose 12%, net fee income 48%, and trading gain 16%.

• ROE climbed to 10.72% and ROA to 0.82%, both five-year highs.

• Cash dividend payout ratio maintained above 68% in recent years, with at least 50% in cash.

• Total assets increased 15% YoY to NT$5.23 trillion; loans up 16% and deposits up 14%.

Outlook and guidance

• 2026 loan volume target set for double-digit growth, with continued focus on digital transformation and operational efficiency.

• Non-banking subsidiaries expected to sustain double- to triple-digit earnings growth.

• Strategic focus on agile execution, professional leadership, and sustainable growth.