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.

• Consolidated financial statements for the six months ended June 30, 2026, were audited and present fairly the financial position and performance in accordance with relevant regulations and IFRS.

• 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%.

• The group adopted IFRS 17 for insurance contracts as of January 1, 2026, with retrospective restatement of 2025 comparatives.

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%.

• Total assets as of June 30, 2026, were $5,232,546,775 thousand, up from $4,568,730,862 thousand a year earlier.

• Earnings per share for the six months were $1.44, compared to $1.23 for the same period last year.

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

• Net interest income for the six months was $21,211,248 thousand, up from $18,973,956 thousand year-over-year.

Outlook and guidance

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

• The group continues to monitor regulatory changes, including the adoption of IFRS 18 and other standards effective from 2027.

• Management expects continued focus on risk management, capital adequacy, and compliance with evolving financial reporting standards.

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

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