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