Business Review 2Q18

Business Review 2Q18

Disclaimer This presentation may include forward looking statements. All statements, other than statements of historical facts, that address activities, events or developments that Taishin Financial Holding Co. Ltd. ( Taishin ) expects or anticipates will or may occur in the future are forward-looking statements. Taishin s actual results or developments may differ from those indicated by these forwardlooking statements as a result of various factors and uncertainties which are beyond our control. In addition, Taishin makes the forward-looking statements referred to herein as of today and undertakes no obligation to update these statements. 1

Executive Summary 1H18 FHC Performance 1H18 net income after tax NT$7.8bn versus NT$6.8bn in 1H17 Book value NT$12.49/share, EPS NT$0.68, ROE 11.44% Revenue +13.7% YoY, driven by stable growth in NII, Net fee income and Investment income Net fee income +8.9% YoY, with wealth management fee income +11.2% YoY. Operating expenses +9.5% YoY Capital strength sufficient with FHC CAR at 111.7% and Bank BIS at 13.7% 1H18 Bank Earnings NII NT$9.4bn, +4.5% YoY, NIM 1.33% in 2Q18, with loan growth +6.8% YoY Net fee income NT$5.5bn, +2.5% YoY Operating expenses NT$9.6bn, +6.8% YoY NPL ratio at 0.25% and coverage at 529.8% Bank ROE 9.6% 2

Agenda 1H18 FHC Financial Performance 1H18 Bank Earnings Drivers 3

Financial Holding Company: Earnings Results Net Income (NT$mn) Earnings per Share 1 (NT$) 6,804 +15.0% 7,826 0.58 +17.7% 0.68 1H17 1H18 1H17 1H18 Book Value per Share 1 (NT$) Return on Equity 1 (%) Return on Assets (%) 12.30 12.49 11.44 0.86 0.91 10.29 4 1H17 1H18 1H17 Note: 1. EPS, BVPS and ROE are calculated for common shares only. 1H18 1H17 1H18

FHC s Net Profit By Entities NT$mn QoQ -1% QoQ +6% 2Q18 Composition % 2,985 290 104 639 4,018 Bank 74% Securities 7% Bank 2Q18 Securitites Other Subsidiaries Holdings & other adjustments FHC 2Q18 Others 18% YoY +6% YoY +15% 1,238 7,826 1H18 Composition % 6,008 388 192 Bank 77% Securities 5% Others 18% 5 Bank 1H18 Securitites Other Subsidiaries Holdings & other adjustments FHC 1H18 Note 1. Other subsidiaries mainly includes Taishin Asset Management, Venture Capital Investment, Securities Investment Advisory and Securities Investment Trust. 2. Holdings & other adjustments include investment income under equity method from 22.55% stake in Chang Hwa Bank

Key Capital & Risk Ratios FHC CAR Bank BIS Tier 1 % 13.6% 13.4% 14.2% 14.2% 13.7% 116.2% 114.6% 124.9% 117.9% 111.7% 10.2% 10.1% 10.9% 10.9% 10.5% 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17 1Q18 2Q18 2018/03 2018/06 Double Leverage : 113.7% 115.7% Debt/Equity : 17.1% 21.6% 2018/03 2018/06 NPL: 0.25% 0.25% Coverage: 527.7% 529.8% Reserve / Loan: 1.30% 1.33% 6

FHC s Aggregate Profit NT$mn Better Worse 2Q18 vs. 1Q18 3,983 69 648 (18) 22 39 4,438 (306) 1Q18 Pretax Earnings NII Net Fee Income Investment/ Trading Others Expenses Provisions, Net 2Q18 Pretax Earnings 1H18 vs. 1H17 1,392 7,787 623 506 (44) (945) (898) 8,421 1H17 Pretax Earnings NII Net Fee Income Investment/ Trading Others Expenses Provisions, Net 1H18 Pretax Earnings 7

FHC Revenue Mix FHC Revenue Mix Historical Trends 1H18 Total Revenue: NT$20.5bn, YoY +13.7% NT$bn Investment & Trading 21.0% Trading Trading 7.2% 11.1% Other Income 1.5% 8.8 YoY +6.9% 9.1 9.7 YoY +8.9% LT-Inv. 1 7.2% TMU TMU 5.0% 2.7% Net Fee Income 30.3% Net Interest Income 47.2% 5.7 5.7 6.2 3.4 YoY +47.6% 2.9 4.3 YoY -12.3% 0.34 0.36 0.32 Note: 1. LT-Investment mainly comes from investment income of 22.55% stake in CHB under equity method 2. YoY : 1H18 vs. 1H17 1H16 1H17 1H18 1H16 1H17 1H18 1H16 1H17 1H18 NII Fee Income Investment & Trading 1H16 1H17 1H18 Others 8

FHC Net Fee Income NT$mn 5,702 +8.9% 6,207 2,102 1,875 1,795 1,713 1,773 366 322 392 321 334 340 299 288 324 249 150 158 160 161 201212 255 158 91 134 123 122 112 142 120 1H17 1H18 2Q17 2Q18 2Q17 2Q18 2Q17 2Q18 2Q17 2Q18 2Q17 2Q18 2Q17 2Q18 Wealth Management Credit Card Corporate Banking Consumer Banking Taishin Securities Others Wealth Management Credit Card Corporate Banking Consumer Banking Securities Others QoQ : -15.6% QoQ : +7.2% QoQ : -4.9% QoQ : -2.3% QoQ : +20.0% QoQ : -15.1% YoY : +11.2% YoY : -4.8% YoY : -25.1% YoY : +7.8% YoY : +206.0% YoY : +14.1% Note: YoY : 1H18 vs. 1H17 9

FHC Wealth Management Fee Income Wealth Management Fee Breakdown (NT$mn) Wealth Management Fee Breakdown (%) Bancassurance Mutual Funds Structured Products & Securities Trust, Custody & Others Bancassurance Mutual Funds Structured Products & Securities Trust, Custody & Others 1,713 1,875 1,795 2,102 1,773 1,286 1,373 1,293 1,551 1,279 75% 73% 72% 74% 72% 269 13% 325 312 340 222 16% 17% 17% 16% 135 156 157 182 235 23 2Q17 21 3Q17 33 4Q17 29 1Q18 37 2Q18 8% 8% 9% 13% 9% 1% 1% 2% 1% 2% 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17 1Q18 2Q18 10

FHC Cost Income Ratio NT$bn Revenue Operating Expense 20.5 18.0 9.3 10.1 9.6 10.1 10.5 9.9 10.9 5.0 5.4 5.9 5.4 5.4 2Q17 3Q17 4Q17 1Q18 2Q18 1H17 1H18 C/I Ratio 54.3% 53.0% 61.3% 54.0% 51.8% 54.9% 52.9% 11

FHC Core Business PPOP NT$mn FHC Net Interest Income FHC Net Fee Income Investment/Trading & Others QoQ: +1.4% YoY: +6.9% QoQ: -9.4% YoY: +8.9% QoQ: +31.5% YoY: +41.0% 4,665 4,844 4,836 4,804 4,874 2,776 2,899 2,910 3,257 2,950 1,843 2,382 1,822 2,001 2,632 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17 1Q18 2Q18 5,039 FHC Operating Expenses 5,364 5,867 QoQ: -0.4% YoY : +9.5% 5,438 5,416 FHC Pre-Provision Operating Profit 4,245 4,761 4,624 3,700 QoQ: +9.0% YoY : +18.8% 5,040 2Q17 3Q17 4Q17 1Q18 2Q18 2Q17 3Q17 4Q17 1Q18 2Q18 Note: 1. YoY : 1H18 vs. 1H17 12

Agenda 1H18 FHC Financial Performance 1H18 Bank Earnings Drivers 13

Stable Loan Growth NT$bn 2Q18 Total Loan: NT$1,014bn, QoQ +0.7%, YoY +6.8%, YTD +3.3% 419 403 411 431 426 243 248 252 253 258 188 193 198 201 205 63 64 66 66 68 52 53 54 55 56 2Q17 2Q18 2Q17 Home Equity 2Q18 2Q17 Second Mortgage 2Q18 2Q17 2Q18 2Q17 2Q18 Corporate First Mortgages + Unsecured Others Corporate First Mortgage Home Equity 1 Consumer Unsecured Others 2 QoQ: -1.0% QoQ: +2.0% QoQ: +1.9% QoQ: +2.9% QoQ: +1.6% YoY: +5.8% YoY: +6.0% YoY: +9.2% YoY: +8.0% YoY: +8.2% YTD: +3.7% YTD: +2.3% YTD: +3.8% YTD: +4.0% YTD: +2.7% 14 Note: 1. Home equity loan is in first-lien position on the property. 2. Others include auto loans, second mortgage, retail SME, and other consumer products. 3. YoY : 2Q18 vs. 2Q17

2Q18 Loan Mix Loan Mix By Product By Currency Consumer Unsecured 6.7% Others 5.5% 1 FCY Loan 18.1% (YoY: +9.6%) Home Equity 20.2% First Mortgage 25.5% Corporate 42.1% NTD Loan 81.9% (YoY: +6.2%) Note: 1. Others include auto loans, second mortgage, retail SME, and other consumer products. 2. YoY : 2Q18 vs. 2Q17 15

Credit Composition & Unsecured Lending Corporate Credit Composition Consumer Unsecured Lending QoQ YoY Personal Lending +3.7% +10.1% 1 Credit Card +0.0% +3.1% Cash Card -5.8% -22.3% Financials 18.3% Others 11.8% Tech 19.7% Non Tech 17.1% Manufacturing 36.8% Total Unsecured +2.9% +8.0% NT$bn 68.2 64.3 65.6 66.3 63.2 1.5 1.4 1.6 1.8 1.7 10.5 10.5 10.2 10.4 10.5 Cash Card Transportation & Telecom 5.1% Retail & Wholesale 12.1% 51.1 52.3 53.5 54.3 56.3 Credit Card Personal Lending 1 Property & Construction 15.9% 2Q17 3Q17 4Q17 1Q18 2Q18 Note: 1. Credit card includes credit card revolving and credit card loan. 2. YoY : 2Q18 vs 2Q17 16

Deposit Mix Deposit Mix (%) Loan-to-Deposit Ratio (%) 1 NT$bn QoQ: -0.6 % YoY: + 5.9% 1,173 1,200 1,221 1,250 1,242 10.0% 10.5% 9.5% 9.8% 9.4% FC Demand 35.2% 37.1% 36.2% 38.5% 38.2% NTD Demand 80.3% 80.8% 79.7% 79.9% 81.0% 10.8% 11.0% 12.5% 11.8% 13.0% FC Time 44.0% 41.5% 41.8% 39.9% 39.5% NTD Time 2Q17 3Q17 4Q17 1Q18 2Q18 Demand deposit / Total Deposit 45.2% 47.6% 45.7% 48.3% 47.6% 0.0 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 1. Calculation of Loan-to-deposit ratio is based on regulator definition. 17

Bank NIM and Spread NIM Quarterly Interest Spread Overall Lending Rate Overall Deposit Rate Overall Spread 1.39% 1.38% 1.35% 1.35% 1.33% 1.85% 1.82% 1.78% 1.79% 1.76% 2.52% 2.50% 2.49% 2.51% 2.53% 1,356 1,388 1,396 1,418 1,445 0.67% 0.68% 0.71% 0.72% 0.77% 2Q17 3Q17 4Q17 1Q18 2Q18 Note: 1. NIM & spread figures are quarterly average. 2Q17 3Q17 4Q17 1Q18 2Q18 18

Credit Card Business Number of Merchants Served Spending NT$bn +2.0% +15.8% +18.8% 119,607 122,034 +13.5% 103,323 118.4 104.3 140.6 2016.12 2017.12 2018.06 1H16 Note 1H17 1H18 1. Total spending excludes cash advance. Active Cards Gross Fee Income thousands 2,641 +10.6% 2,920 +4.6% 3,056 NT$mn 2,150 +12.7% 2,423 +13.3% 2,746 2016.12 2017.12 2018.06 1H16 1H17 1H18 19

Recovery NT$mn QoQ : -6.0% YoY : -6.6% 382 449 376 399 375 20 81 18 42 17 Corporate 362 368 358 357 357 Consumer 2Q17 3Q17 4Q17 1Q18 2Q18 Note: 1. YoY : 1H18 vs. 1H17 20

Taishin Bank NPL and Coverage NPL% Reserv e to loan% NPL NT$mn Reserve NT$mn 0. 60% 1.35% 1.38% 1.30% 1.30% 1.33% 0.27% 0.26% 0.22% 0.25% 0.25% -0. 40% 12,700 13,330 12,633 12,975 13,390 2,511 2,514 2,459 2,528 2,183-1. 40% -1. 40% 2Q17 3Q17 4Q17 1Q18 2Q18 Coverage% 505.9% 530.2% 578.7% 527.7% 529.8% 21 Note: NPL%, coverage%, NPL amount and reserve amount exclude A/R.

22 APPENDIX

Balance Sheet of Taishin Holding and its subsidiaries as of Jun. 30, 2018 NT$mn Taishin Bank (Consolidated) Taishin Securities (Consolidated) Others Subsidiaries Holding & Other Adjustments Taishin Holding (Consolidated) Assets Cash & due from banks 84,800 689 2,968 (609) 87,848 Securities, net 405,516 17,127 2,436 3 425,082 Loans, net 991,875 0 0 0 991,875 A/R, net 132,859 12,292 10,350 950 156,451 Long-tern investment, net 525 0 158 38,146 38,829 Land, premises and equipments, net 18,380 289 214 6 18,889 Others 26,578 1,995 2,679 (1,013) 30,239 Total Assets 1,660,533 32,392 18,805 37,483 1,749,213 Liabilities Deposits 1,217,677 0 0 (1,314) 1,216,363 Other Liabilities 316,134 24,665 12,319 24,937 378,055 Total Liabilities 1,533,811 24,665 12,319 23,623 1,594,418 Miniority interests 240 0 0 (106) 134 Total Stockholders' equity(incl. non-controlling) 126,722 7,727 6,486 13,860 154,795 Total liabilities and stockholders' equity 1,660,533 32,392 18,805 37,483 1,749,213 23

P&L of Taishin Holding and its subsidiaries for the period ended Jun. 30, 2018 NT$mn Taishin Bank (Consolidated) Taishin Securities (Consolidated) Others Subsidiaries Holding & Other Adjustments Taishin Holding (Consolidated) Operating income Net interest income 9,357 124 420 (223) 9,678 Net fee income 5,546 469 232 (40) 6,207 Long-tern investment income 25 0 9 1,470 1,504 Net trading income(loss) & Derivatives & FX 2,369 503 (58) 0 2,814 Others income(loss) 231 15 150 (81) 315 Total operating income 17,528 1,111 753 1,126 20,518 Operating expenses (9,621) (676) (506) (51) (10,854) Credit loss provisions, net (1,249) (8) 14 0 (1,243) Profit before income tax 6,658 427 261 1,075 8,421 Net profit after income tax 6,008 388 192 1,238 7,826 24

Financial Summary Taishin FHC (Consolidated) NT$mn, except for percentages Full-Year Comparison Half-Year Comparison Quarterly Comparison Income Statement Data 2016 2017 change 1H17 1H18 change 1Q18 2Q18 change Interest income 29,082 30,621 5.3% 14,728 16,459 11.8% 8,024 8,435 5.1% Interest expense (11,078) (11,886) 7.3% (5,673) (6,781) 19.5% (3,220) (3,561) 10.6% Net interest income 18,004 18,735 4.1% 9,055 9,678 6.9% 4,804 4,874 1.5% Net fee income 11,011 11,510 4.5% 5,702 6,207 8.9% 3,257 2,950-9.4% Other income 7,136 7,557 5.9% 3,284 4,633 41.1% 2,001 2,632 31.5% Total revenue 36,151 37,802 4.6% 18,041 20,518 13.7% 10,062 10,456 3.9% Operating expense (19,831) (21,141) 6.6% (9,909) (10,854) 9.5% (5,438) (5,416) -0.4% Provisions, net (3,350) (1,851) -44.7% (345) (1,243) 260.3% (641) (602) -6.1% Net Income before Income Tax 12,970 14,810 14.2% 7,787 8,421 8.1% 3,983 4,438 11.4% Tax Expense (1,578) (1,740) 10.3% (975) (595) -39.0% (175) (420) 140.0% Net Income after Tax 11,392 13,070 14.7% 6,812 7,826 14.9% 3,808 4,018 5.5% Net Income to Parent Company 11,399 13,061 14.6% 6,804 7,826 15.0% 3,808 4,018 5.5% Net Income to Non-controlling Interests (7) 9 228.6% 8 0-100.0% 0 0 - Net Income 11,392 13,070 14.7% 6,812 7,826 14.9% 3,808 4,018 5.5% EPS(NT$) 1 1.05 1.10 4.8% 0.58 0.68 17.7% 0.33 0.35 6.9% Balance Sheet Data Total Assets 1,576,986 1,677,520 6.4% 1,596,630 1,749,213 9.6% 1,735,395 1,749,213 0.8% Shareholders' Equity(incl. Non-controlling) 148,876 155,322 4.3% 149,233 154,795 3.7% 157,638 154,795-1.8% Shareholders' Equity-Common Stock 116,181 123,016 5.9% 117,711 124,717 6.0% 126,353 124,717-1.3% Summary Ratios Equity/Assets 9.44% 9.26% 9.35% 8.85% 9.08% 8.85% Return on average assets 0.74% 0.80% Return on average equity 2 9.58% 9.61% Note 1. EPS has been retroactively adjusted with 4.43% of stock dividend in August 2018. 2. Common shares only. 25

Financial Summary Taishin Bank 26 NT$mn, except for percentages Full-Year Comparison Half-Year Comparison Quarterly Comparison Income Statement Data 2016 2017 Change 1H17 1H18 Change 1Q18 2Q18 Change Interest income 27,769 29,420 5.9% 14,229 15,620 9.8% 7,623 7,997 4.9% Interest expense (10,211) (11,016) 7.9% (5,273) (6,263) 18.8% (2,966) (3,297) 11.2% Net interest income 17,558 18,404 4.8% 8,956 9,357 4.5% 4,657 4,700 0.9% Net fee income 10,460 10,733 2.6% 5,410 5,546 2.5% 2,939 2,607-11.3% Other income 1 4,083 4,042-1.0% 1,596 2,625 64.5% 1,055 1,570 48.8% Total revenue 32,101 33,179 3.4% 15,962 17,528 9.8% 8,651 8,877 2.6% Operating expense (17,881) (19,029) 6.4% (9,009) (9,621) 6.8% (4,840) (4,781) -1.2% Net Provisions 1 (3,137) (1,842) -41.3% (350) (1,249) 256.9% (640) (609) -4.8% Net income before income tax 11,083 12,308 11.1% 6,603 6,658 0.8% 3,171 3,487 10.0% Net income after tax 9,549 10,578 10.8% 5,654 6,008 6.3% 3,023 2,985-1.3% Balance Sheet Data Gross loans 2 890,968 972,870 9.2% 941,735 1,005,858 6.8% 998,441 1,005,858 0.7% Credit revolving loans 10,158 10,305 1.4% 9,915 10,306 3.9% 10,291 10,306 0.1% NPL 2,360 2,183-7.5% 2,511 2,528 0.7% 2,459 2,528 2.8% Allowance for Loan losses 12,946 12,633-2.4% 12,700 13,390 5.4% 12,975 13,390 3.2% Total assets 1,518,251 1,598,886 5.3% 1,534,295 1,660,533 8.2% 1,651,591 1,660,533 0.5% Deposits 3 1,111,344 1,194,636 7.5% 1,144,714 1,216,168 6.2% 1,223,942 1,216,168-0.6% Shareholders' equity 120,274 124,740 3.7% 119,881 126,722 5.7% 128,136 126,722-1.1% Summary Ratios Loan-to Deposit Spread 1.93% 1.83% 1.85% 1.78% 1.79% 1.76% Net interest margin 1.42% 1.37% 1.38% 1.34% 1.35% 1.33% Net fee income / Total revenue 32.6% 32.4% 33.9% 31.6% 34.0% 29.4% Cost-to-Income ratio 55.7% 57.4% 56.4% 54.9% 55.9% 53.9% NPLs / Gross loans 0.26% 0.22% 0.27% 0.25% 0.25% 0.25% Allowance / Gross loans 1.45% 1.30% 1.35% 1.33% 1.30% 1.33% Allowance / NPLs 548.5% 578.7% 505.9% 529.8% 527.7% 529.8% Loan to deposit ratio 4 78.2% 79.7% 80.3% 81.0% 79.9% 81.0% Equity / Assets 7.9% 7.8% 7.8% 7.6% 7.8% 7.6% Return on average assets(annualized) 0.64% 0.68% 0.74% 0.74% 0.75% 0.74% Return on average equity(annualized) 5 9.09% 8.63% 9.40% 9.56% 9.57% 9.50% Note: 1. Gain on collection of nonperforming loans figures are adjusted including in provision for credit losses from 2012 for auditing bases. 2. Gross loans exclude credit card revolving and factoring NR but include over-due loans. 3. Deposits exclude postal deposits and interbank deposits. 4. Calculation of loan-to-deposit ratio is based on regulatory definition. 5. Return on net equity(roe) calculated as income after tax (annualized) divided by average net equity for auditing bases.

Deposit Mix NT$bn 2Q17 3Q17 4Q17 1Q16 2Q16 % 2Q18 vs 1Q18 2Q18 vs 2Q17 Current Deposits 529.8 571.1 558.5 603.8 590.9 47.6% -2.1% 11.5% Checking 5.4 5.4 6.8 8.1 6.7 0.5% -17.0% 25.0% Demand 116.0 137.3 131.8 148.6 139.3 11.2% -6.2% 20.1% Current Savings 291.4 302.9 303.4 324.9 328.7 26.5% 1.2% 12.8% Foreign Currency 117.1 125.5 116.6 122.2 116.2 9.4% -4.9% -0.7% Time Deposits 643.0 628.8 662.8 646.6 651.5 52.4% 0.8% 1.3% Time 208.2 187.6 207.0 192.8 185.7 15.0% -3.6% -10.8% Time Savings 280.6 284.1 278.2 281.1 279.6 22.5% -0.5% -0.3% Interbank 1 27.2 25.7 25.5 25.2 24.9 2.0% -1.0% -8.4% Foreign Currency 127.0 131.4 152.2 147.5 161.2 13.0% 9.2% 26.9% Total Deposits (excl. structured deposit) 1,172.8 1,199.9 1,221.4 1,250.3 1,242.4 100.0% -0.6% 5.9% Total Deposits (incl. structured deposit) 1,214.7 1,240.0 1,262.2 1,295.2 1,294.5-0.1% 6.6% Note: 1. Including postal deposits 2. Outstanding balance 27

Loan Mix NT$bn 2Q17 3Q17 4Q17 1Q18 2Q18 % 2Q18 vs 1Q18 2Q18 vs 2Q17 Corporate Loans 403.0 419.0 411.2 430.8 426.3 42.1% -1.0% 5.8% Consumer Loans 546.1 557.6 569.8 575.6 587.2 57.9% 2.0% 7.5% First Mortgage 243.4 247.7 252.2 253.1 258.1 25.5% 2.0% 6.0% Home Equity 187.9 192.7 197.7 201.3 205.1 20.2% 1.9% 9.2% Unsecured Loans 1 63.2 64.3 65.6 66.3 68.2 6.7% 2.9% 8.0% - Good Bank 61.6 62.9 64.3 65.0 67.1 6.6% 3.1% 8.9% - Bad Bank 1.6 1.5 1.4 1.3 1.2 0.1% -7.2% -25.5% Other Consumer Loans 51.6 52.9 54.3 54.9 55.8 5.5% 1.6% 8.2% - Auto Loan 39.7 41.2 42.5 43.3 44.1 4.3% 1.8% 10.9% - Second Mortgage 5.7 5.6 5.3 5.2 5.0 0.5% -4.1% -12.8% - Others 6.1 6.2 6.5 6.4 6.7 0.7% 5.0% 9.8% Total Loans 949.0 976.6 981.0 1006.4 1013.6 100.0% 0.7% 6.8% Note: 1. Unsecured loans include cash card, credit card revolving & loan products and personal lending. 28

NPL Ratios by Loan Book Jun 17 Sep 17 Dec 17 Mar 18 Jun 18 Corporate Loan 1 NPL % 2 0.33% 0.30% 0.23% 0.25% 0.24% Consumer Loan 1 NPL % 2 0.23% 0.24% 0.24% 0.25% 0.27% - First Mortgage Loan NPL % 0.19% 0.22% 0.22% 0.20% 0.23% Consumer Unsecured IDRP Default % 3 0.03% 0.03% 0.02% 0.03% 0.04% NPL % 0.76% 0.66% 0.85% 0.77% 0.83% Note 1. NPL for corporate loan and overall consumer loan includes AR. 2. NPL calculation is NPL (including AR) / (total loan + overdue loan + credit card revolving). 3. IDRP monthly default rate is calculated as (current month default OS / last month pay). 29