Tokyo, Dec. 2015

Daiwa Non-Deal RoadshowFirst Financial Holding

3Q 2015 Earnings Result

2

Disclaimer

This presentation is provided by First Financial Holding Co., Ltd. (“FFHC”). The information contained within is not reviewed or reviewed by any accountant or any independent third party. Users should read this material in conjunction with all other public financial and operational information filed to the competent authorities by FFHC. While we endeavor to provide accurate, complete and consistent information herein, FFHC makes no guarantee or warranties as to the accuracy or correctness of all the material contained. After this presentation is released to the public, we undertake no obligation to update any relevant data to reflect any change hereafter.

Users should also notice that this presentation may contain forward-looking statements. Statements that are not historical facts, including statements relating to the implementation of strategic initiatives, future business development and economic performance are forward-looking statements. By their nature, forward-looking statements involve uncertainties, risks, assumptions and other factors that could cause actual developments and results to differ materially from our statement in this presentation. These factors include, but not limited to, regulatory developments, competitive conditions, technological developments, general economic conditions and management changes.

The information, statements or opinions in this presentation do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation respect to such securities or other financial instruments. First Group and all its affiliates representatives, no matter for their negligence or any other reasons, should not be liable for any loss or damages arising from the use of or interpretation by others of information contained within this presentation or any matter related to this document.

3

Contents

- Company Overview

- At a Glance

- Financial Highlight

- Operating Results

- Appendix

Company Overview

555

Overview of First Financial Holding

Founded in 1899, First Commercial Bank (“FCB”) stands for well-recognized franchise name, one of the “Top Three” commercial banks, supported by extensive branch network both domestic and overseas.

First Financial, formed in 2003, with First Bank as its flagship entity .

Strong deposit franchise and extensive network – low funding cost & high CASA rate

With Security, Asset management and Life Insurance subsidiary business, First Financial Holding remain keen for further expansion.

Net Income 12,013First Commercial Bank

First Securities

First Sec. Investment Trust

First-Aviva Life Insurance

Financial Summary

Deposit mkt share 5.5%

Private Loan mkt share 7.2%

FFHC asset size Top 8

SME 10.76%

Trade Finance Top 3

Mutual fund sales Top 4

Custodian Top 1

Bank branches 190 domestic /30 overseas

in NT$ mn

$mn, except per

share amounts

2012 2013 2014 3Q 2015

Total Revenues 36,659 36,466 34,186 30,146

Net Income 10,118 10,877 14,078 12,018

EPS 1.18 1.18 1.52 1.21

ROAE (annualized) 7.86% 7.94% 9.53% 9.45%

3Q 2015 Financial Summary

Net Income 112

Net Income 88

Net Income (30)

FFHC Ownership Profile

Government (Direct 21.78%; Indirect: 10.24%) 32.02% Other Investors: 43.57%

Foreign Institution: 24.41% Data as of 2015/4/28

2015/9/30

176

97 9487

Chinatrust Fubon Hua Nan First Bank

3,930

2,451 2,117 2,083 2,030 1,885

11.09%

7.10%

6.13% 6.03% 5.88%5.46%

Bank of Taiwan CooperativeBank

Mega CTBC Land Bank First Bank

66

In NT billion/ market share

Data as of 2015/9/30

Source: Financial Supervision Commission, Banking Bureau

Deposit- Rank Taiwan #6 SME Loan – Rank Taiwan # 1

Mutual Fund Sales – Rank Taiwan # 4

Peers Comparison

803 704 703 672 657

8.60%

7.54% 7.53%7.20% 7.04%

Cooperative Bank Bank of Taiwan Mega First Hua Nan

580 552

449 419

10.76%10.23%

8.33%7.77%

First Bank Cooperative Bank Taiwan BusinessBank

Hua Nan

Private Enterprise Loan- Rank Taiwan # 4

At a Glance

8

3Q 2015– End up with Firm Core

3Q15 Overall Performance : Steady core earnings boosted group bottom-line despite of declining

local loan demand , overseas F/X loan & fee income growth

maintained its robust double digits path.

Domestic Rate-cut impact: As of end of Sep., Central Bank announced 0.125% rate-cut

resolution due to pressure on TWN GDP, the downward movement

will eventually finalize within 2 quarters with 1-2 bps NIM contraction.

- 2016 Outlook: Shortened and fast-track economic cycle becomes the norm of

global trend, rebound is expected domestically in 2016 while overseas

and fees will remain double-digit gearing momentum, as bank solved

capital adequacy problem, opportunities are well in place.

3Q 2015 Financial Highlight

10

3Q 2015 Key Figures

BankingNT$12,013; 99.9%

SecuritiesNT$112; 0.9%

Investment TrustNT$88; 0.7%

OthersNT$(56); -0.4%

InsuranceNT$(30); -0.2%

Key Figures ( in NT$ dollar, NT$ mn, mn shares or %) 3Q15 Net Income Breakdown1( in NT$ mn)

10

AMCNT$(109); -0.9%

Consolidated Net Income1

Comprehensive Income

Total Assets

EPS

Book per share

Capital Stock

ROAE3

ROAA3

Group CAR4

Double Leverage5

* FFHC finalized re-cap. in Sep., 2015.1. Based on the classification of specific company’s business units, financial information by business segments should be listed individually.

2. Comprehensive Income Statement is required by IFRS.

3. Annualized figures. 4. Preliminary data for CAR.

5. Double Leverage = Equity Investment / Shareholder Equity

3Q15

12,0181

13,155

2,469,655

1.21

16.09

114,611*

9.45%

0.67%

152.66%

105.21%

YoY %

2.7%

2.4%

6.1%

1.7%

-0.2%

23.7%

-11.9%

-1.5%

24.9%

-0.9%

3Q14

11,7051

12,845

2,327,379

1.19

16.12

92,593

10.73%

0.68%

122.27%

106.06%

11

3Q15 Consolidated Net Income & Comprehensive Income (in NT$ mn)

Net Income & Comprehensive Income

3Q14 Consolidated Net Income & Comprehensive Income (in NT$ mn)

Credit (202)Insurance 634

Credit (2,840)Insurance ( 377)

1,139

(1,790)

(15,082)

11,705 12,845

(3,217)31,794

Net Revenue Provision Operating

Expense

Income Tax Net Income Other Items Comprehensive

Income

1,137

(2,371)

(16,189)

12,018 13,155

43230,146

Net Revenue Provision Operating

Expense

Income Tax Net Income Other Items Comprehensive

Income

11,705

249(26)85194

10,936

First Bank First Securities FSITC First-Aviva First AMC FFHC

12

3Q15 FFHC Net Income Breakdown (in NT$ mn)

Net Income Breakdown by Subsidiaries*

3Q14 FFHC Net Income Breakdown (in NT$ mn)

12,018

88112

12,013

(30) (109)

First Bank First Securities FSITC First-Aviva First AMC FFHC

FFHC (13)Aviva (13)

↑9.8%

↑2.7%

* Major 5 subsidiaries were listed.

FFHC (15)Aviva (15)

3Q 2015 Operating Results

2,962

6,144

8,97710,645

3,543

7,527

10,93613,381

4,100

7,896

12,013

3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014 3M 15 6M 15 9M 15

1414

Cumulative Net Income

Annualized ROAE

First Bank Net Income & ROAE (in NT$ mn & %)

Cumulative Net Income

1.Minority interests included

FFHC & First Bank Profitability

-After Tax

FFHC Net Income & ROAE (in NT$ mn & %)

2,9706,361

9,29310,877

3,655

8,205

11,70514,078

4,109

8,108

12,018

3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014 3M 15 6M 15 9M 15

8.80% 9.48% 9.13%7.94%

10.20%11.42% 10.73%

9.53% 10.52% 10.50% 9.45%

9.44% 9.84% 9.49% 8.35%10.60% 11.10% 10.60% 9.40% 10.56% 10.32% 9.60%

Annualized ROAE

28,35228,245

3Q14 3Q15

15

3Q14 3Q15 3Q14 3Q15 3Q14 3Q15 3Q14 3Q15 3Q14 3Q15 3Q14 3Q15

Cumulative Net Revenue

3Q15 Cumulative Net Revenue (in NT$ mn or %) % of FB Net Revenue (in %)

↓32.8%

z

Item 3Q14 3Q15 Change

NII 71.7% 72.2% +0.5%

Net Fee 16.4% 18.5% +2.1%

Gain on ST Invest. 0.4% -0.1% -0.5%

Gain on LT invest. 2.3% 1.4% -0.9%

Gain on fin. Products 9.0% 7.1% -1.9%

Others 0.2% 0.9% +0.7%

Total Revenue 100.0% 100.0%

Provision Expense1 -16.4% -6.5% -9.9%

Adjustment :Recovery +6.8% +5.9% -0.9%

Operating Expense -45.4% -48.7% +3.3%

Income Before Tax 45.0% 50.7% +5.7%

Net Interest Income

20,239

4,636 3,309 4,637

12,820

20,466

5,2382,375 1,831

13,826

1,909 1,666

Net Fee IncomeGains on

investmentProvision Exp.1 Recovery Operating Exp.

1. Gross Provision Expense.

FB Revenue/Expense Comparison (in NT$ mn

)↑1.1%

↑13.0%↓12.7%

↓ 60.5%↓ 28.2%

FB 3Q15 Pre-tax Profit

+0.4%

↑7.8%

391.1

19.6 41.9

390.6

22.7 27.0

336.5

704.9

330.9

688.4

16

3Q14 3Q15 3Q14 3Q15 3Q14 3Q15 3Q14 3Q15 3Q14 3Q15

↓0.1%↑ F/X1.7%

↓35.6%

FB 3Q15 Loan Book Mix3Q15 Loan Book1 (in NT$ bn or %)

3Q15 Loan Book1 Breakdown (in NT$ bn )

Mortgage Other Consumer

LoanGov./SOE Loan Commercial

LoanF/X Loan

1. Loan Book does not include NALs2. SME as defined by the “Act for Development of Small & Medium Enterprises; both NTD & Foreign currency loan included

1,488.4

1,465.1

3Q14 3Q15

Loan Book1

-1.6%

Item 3Q14 3Q15 Change

Consumer 27.6% 28.2% +0.6%

Mortgage 26.3% 26.7% +0.4%

Other Consumer Loan 1.3% 1.5% +0.2%

Corporate Banking 72.4% 71.8% -0.6%

Commercial Loan 47.4% 47.0% -0.4%

--- SME 38.4% 39.6% +1.2%

F/X/ Loan 22.2% 23.0% +0.8%

--- Overseas 10.4% 12.0% +1.6%

Gov./SOE Loan 2.8% 1.8% -1.0%

Loan Book1 100.0% 100.0%

% of Loan Book1

SME2

571.9SME2

580.4 Overseas

154.8

SME↑1.5%

Overseas

175.5

Overseas

↑ 13.4%

↑ 15.8%

↓2.3%

1717

46.3 41.9 38.5 37.8 10.7 26.9

317.5 330.9 334.9 319.1 319.9 336.5

562.7 571.9 585.5 568.5 573.8580.4

130.0 133.0 132118.4 113.4

108.018.5 19.6 21.0

20.8 21.722.7

392.2 391.1 391.5388.5 388.9

390.6

2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

FB Loan Breakdown-QoQ Comparison

Gov/SOE

SME

Mortgage

Commercial

Loan1

FB Loan Growth (in NT$ bn)

1467.2 1488.4 1503.4 1453.0 1428.4 1465.1

F/X loan

Total loan

1.Commercial loan includes SME.

QoQ% YoY%

Other Con.

Loan

Large

+0.4% -0.1%

+4.6%+15.8%

-4.8% -18.8%

+1.2% +1.5%

+5.2% +1.7%

+151.4% -35.7%

1818

Loan-Deposit Spread / NIM ( in % ) NIM3Spread3

1,449.2 1,447.7 1,439.9 1,470.6 1,470.9 1,491.8 1,507.1 1,456.2 1,431.1 1,468.0

2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

Total Loan & LDR (in NT$ bn or % )

FB 3Q15 LDR, SPREAD &NIM

1. Total Loan = loan + import/export negotiation + NALs2. LDR = Total loan / Total deposit, starting from 2012, total deposit does not include structured deposit.3. Annual cumulative Average Spread and NIM

Total Loan1LDR2

△△

88.29%86.54%

83.50% 84.51% 83.48% 84.49%83.03%

80.21%78.55% 77.94%

1.53% 1.54% 1.55% 1.55% 1.55% 1.55% 1.55%1.60% 1.62%

1.25%1.28%1.29%1.28%1.26% 1.26% 1.26% 1.28%1.28%1.28%

1.61%

2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

1919

FB NTD Yields & Costs Overview ( in % ) Interest Spread (NTD)Lending Rate (NTD)

0.59%0.60% 0.60% 0.60% 0.59% 0.59%

2.19%2.18%2.18%2.20%2.16%2.12%

2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

FB FX Yields & Costs Overview ( in % ) Lending Rate (FX)Deposit Rate (FX)

*All rates are QUARTERLY average rates.

Deposit Rate (NTD)

Interest Spread (FX)

FB 3Q15 Loan Yields

1.52%

1.56%

1.60% 1.59% 1.59% 1.60%

1.67%1.59%

1.45%

1.65%1.72%

1.59%

0.72%0.85%0.88%0.84%0.92%0.98%

2.65% 2.51%2.29%

2.52% 2.57%2.31%

2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

1H15

Total Exposures*

$1,563 bn3.38%

8.09%

5.86% 12.92%

11.52%

32.14%

6.48%

3.64%

5.65%

5.27%

5.05%

Petro.

Metal

Tech.

Machinery

Other manufacturing

Individual(Mortgage included)

Construction

Real Estate

Wholesale/Retail

Transportation&Warehousing

Others

Major Exposures Breakdown

End of 3Q15 - % of Loan to Industries

Manufacturing; 26.09%

* Total loan does not includes NALs.

20

(clockwisely)

2121

↑4.3%

↑17.2%SME2

317.0

SME2

305.0

FB 3Q15 Mortgage Book

Mortgage Yield & LTV Ratio (in %)3Q15 Mortgage by Location (in %)

Location 3Q15

North

TPE Metro

70%

54%

Taoyuan/Hsinchu/ Mioli

16%

Central 11%

Taichung

South 15%

Tainan/Kaohsiung

East 4%

Total 100.0%

Monthly New Mortgage Lending

65.74% 65.61% 65.37% 65.25% 65.08% 64.94% 64.81%

47.59% 47.34% 46.94% 46.75% 46.33% 46.12% 45.92%

3M14 6M14 9M14 2014 3M15 6M15 9M15

Loan-to-value ratio of new mortgage Avg. loan-to-value ratio

2.15% 2.15% 2.16% 2.16% 2.16% 2.17% 2.16%

Mortgage Yield

Monthly New Mortgage Lending (in NT$mn)

5,507 5,9754,945

7,0865,645

3,9375,513 5,638 5,749 6,437 6,926

5,441 5,944

9M14 10M14 11M14 12M14 1M15 2M15 3M15 4M15 5M15 6M15 7M15 8M15 9M15

YoY% +7.9%

4,6365,238

3Q14 3Q15

22

↑3.0%

FB 3Q15 Fee Income Breakdown

3Q15 Cumulative Net Fee Income (in NT$ mn or %)

3Q15 Cumulative Net Fee Breakdown ( in NT$ mn )

3Q14 3Q15 3Q14 3Q15 3Q14 3Q15 3Q14 3Q15 3Q14 3Q15

WM Fee 1 Loan-related F/X Credit Card

1. WM Fee = Custodian Fee + Trust-related Fee + Bancassurance Fee 2. Other represents network service fee, including overseas branches

Net Fee Income

Item 3Q14 3Q15 Change

WM1 49.3% 55.5% +6.2%

F/X 15.2% 12.7% -2.5%

Other2 14.0% 11.5% -2.5%

Loan-related 15.2% 14.4% -0.8%

Credit Card 6.3% 5.9% -0.4%

Cumulative Net Fee 100.0% 100.0%

% of Cumulative Net Fee

↓ 23.7%

+13.0%

2

Other 2

↑ 27.1%

↓5.7%

2,288

706 703 648291

754663 310 604

2,907

↑6.5%↓6.8%↑ 6.8%

255331

278306

452492

93

10091

91

9695

232

250

221216

258280243

237214

229220

100

100

95106

10698

197

248

206195

196213

426462 505

408405 439

237

2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

2323

FB Fee Income Breakdown-QoQ Comparison

Loan

Related

Credit Card

Fee Income (in NT$ mn)

F/X

Related

Fee

Income

* Wealth Management Fee = Fund sales + Bancassurance + Custodian*Other represents network service fee, including overseas branches

YoY% +5.9%

Others*

Banca.

QoQ +8.9%

1,5251,705

1,554 1,5901,842 1,806

Mutual Fund

Custodian

Wealth

MGT.*

Bacassurance

3Q15

Fee Income

$5,238 mn

55.50%44.50%Wealth Management

Non-WM

2424

3Q14 FB Fee income breakdown ( in NT$ mn or %)

3Q15 FB Fee income breakdown ( in NT$ mn or %)

3Q15

WM Fee Income

$2,907 mn

Custodian,

9.70%

Mutual Fund,

47.30%

Bancassurance

, 43.00%

3Q14

Fee Income

$4,636 mn

49.35%50.65%Wealth Management

Non-WM

3Q14

WM Fee Income

$2,288 mn

Custodian,

12.11%

Mutual Fund,

53.72%

Bancassurance

, 34.18%

FB Fee Income Breakdown-WM & Non-WM

2525

FB 3Q15 Cost-to-Income Ratio

Quarterly Operating Expense & Cumulated Cost-to-Income Ratio ( in NT$ mn or % )

Operating Expense Cost-to-Income RatioNet Revenue

12,820

13,826

3Q14 3Q15

Operating Expense

Item 3Q14 3Q15

Net Revenue 28,245 28,352

Operating Expense (12,820) (13,826)

Provision(Net) (2,728) 165

Income Tax (1,760) (2,347)

Net Income 10,936 12,013

3Q15 Cumulative Operating Expense (in NT$ mn ) Cost-to-Income Ratio Analysis( in NT$ mn)

+7.8%

* Sales Tax raised around 80mn per month

*Sales Tax raised 3%

9,032 9,256 9,956 9,276 9,202 9,00310,147

4,087 4,232 4,501 4,916 4,404 4,653 4,769

1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

45.25% 45.49% 45.39%47.27% 47.86%

49.75% 48.77%

2626

4,152 3,572 3,953 2,951 2,774 2,520 2,596

20,12419,33719,69920,08919,93318,813 18,637

3M14 6M14 9M14 2014 3M15 6M15 9M15

FB 3Q15 Asset Quality

0.18%0.18%0.19%0.20%

0.26%0.24%0.28%

775.31%767.32%710.06%

680.71%

504.28%521.72%

453.05%

NPL Amount, Reserve, Coverage (in NT$ mn or % )

Coverage Ratio

NPL Ratio NPL NPL Reserve

1.40%1.36%1.39%1.37%1.37%1.31%1.34%

LLR ratio (loan loss reserve/total loan,

excluding gov.loan)

Gross Provision Ratio

(loss reserve against performing loan)

1.19% 1.09%1.26% 1.24% 1.26%

1.18% 1.22%

2727

FB NPL Migration by Sectors

Individual1

& Mortgage NPL Ratios(in %) Large Corp. & SME NPL Ratios(in %)

0.26% 0.03% 0.02% 0.00% 0.00%

0.45%0.35% 0.31% 0.31% 0.32%

3Q14 4Q14 1Q15 2Q15 3Q15

Large Corp.

SME

0.19%0.20%0.20%

0.21%

0.30%

3Q14 4Q14 1Q15 2Q15 3Q15

Domestic

Domestic NPL Ratio(in %)

0.08%0.13% 0.14%

0.09% 0.11%

3Q14 4Q14 1Q15 2Q15 3Q15

Overseas NPL Ratio(in %)

1. Individual: mortgage and non-mortgage loan included2. bad-debt recovery not included.

Overseas

0.22%

0.18%0.19%

0.17% 0.17%

0.22%

0.17%0.19%

0.20% 0.19%

3Q14 4Q14 1Q15 2Q15 3Q15

Individual

Mortagge

0.00% 0.00%

0.15%

0.09%

0.00%

0.07%

2828

FB New NPL Influx Breakdown

2,695

1,169770

1,241 1,007719

125183589

1,151830

465 201525

(2,097)

239

4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

Quarterly New NPL Influx & Write-offs ( in NT$ mn)

Breakdown of New NPL Influx (in NT$ mn）

Write-off New NPL Influx

Quarterly Recovery Mix (in NT$ mn)

QuarterlyNPL Influx

4Q14 1Q15 2Q15 3Q15

--- Domestic 39 426 484 113

--- Overseas 200 404 (19) 88

Total NPL Influx 239 830 465 201

Quarterly Recovery

4Q14 1Q15 2Q15 3Q15

--- Domestic 216 651 484 310

--- Overseas 102 115 57 4

--- Credit Card 14 15 15 15

Total Recovery 332 781 556 329

3Q15

Overseas

$4,914 mn

OBU

Shanghai

Chengdu

Hsiamen

Macau

HK

North America

Asean

Others

Total Pre-Tax

Profit

$14,360 mn

29

FB 3Q15 Overseas Profits

3Q15 FB Overseas Pre-Tax Profit Mix( in NT$ mn or %)

Overseas Cumulative Overseas PTP to FB Total PTPTotal

3Q15 FB Total Pre-Tax Profit Mix ( in NT$ mn or %)

Quarterly Overseas & Total PTP (in NT$ mn or %)

29

45.8%

12.6% 4.2%

9.1%

Taiwan Market;65.8%

Other overseas;12.9%

17.4%

11.2%

Greater China; 21.3%

1.2%

(clockwisely)

1,932 1,910 1,725 1,545 1,829 1,8831,202

4,9334,5544,873

3,1663,967

4,6424,087

1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15

39.4%34.2%44.8%44.8%44.0%44.0%47.3%

3030

CAR & Core Capital

123.00%117.05%

125.55%119.40%

123.04% 121.24%125.34%

132.75%

152.66%

2H11

1H12

2H12

1H13

2H13

1H14

2H14

1H15

3Q15

*

10.94% 10.44%11.51% 11.03% 10.90% 10.88% 11.50%

12.27%13.68%

8.28% 8.23% 8.41% 8.34% 8.31% 8.64% 9.02% 9.45%11.08%

2H

11

1H

12

2H

12

1H

13

2H

13

1H

14

2H

14

1H

15

3Q

15*

statutory CAR 100%

CAR

CAR

Tier 1

FB CAR & Core Capital(in %)

FFHC Group CAR(in %)

•Leverage ceiling for holding companies in Taiwan: Double Leverage < 125% ; Debt Ratio < 30%•Preliminary data for 3Q15

Re-cap.

Re-cap.

31

Shareholder Return

2009 2010 2011 2012 2013 2014

Cash dividend 0.50 0.30 0.40 0.45 0.50 0.70

Stock dividend 0.25 0.60 0.60 0.65 0.70 0.65

Total dividend 0.75 0.90 1.00 1.10 1.20 1.35

CASH Payout

ratio

113.6% 29.4% 39.6% 38.1% 42.4% 46.1%

1.350.90 1.201.00 1.100.75

1.181.011.02 1.180.44

1.52

2009 2010 2011 2012 2013 2014

FFHC Earnings Per Share ( in NT$ dollar )

EPS

Dividend

FFHC Dividend History ( in NT$ dollar )

1. EPS is adjusted retroactively for stock dividends.

1

Appendix

33

FFHC Consolidated Statement of Comprehensive Income

FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)

2012 2013 2014 3Q14 3Q15 Change

Interest income 36,544 Net interest income 25,932 28,278 21,110 21,168 0.3%

Less: Interest expenses (12,422) Net service fee & commission 6,632 7,428 5,630 6,277 11.5%

Net interest income 24,122 Net Insurance revenue 688 (6,533) 822 (98) --

Net service fee & commission 5,954 Gain on financial assets meas. 859 1,373 1,423 668 -53.1%

Net Insurance revenue 695 at fair value through P/L

Gain on financial assets measured 1,363 Real estate investment gain 88 172 172 143 -16.9%

at fair value through P/L Gain on AFS financial assets 315 417 628 507 -19.3%

Gain on AFS financial assets 360 Income from equity invest. 97 (26) 53 (661) -1347.2%

Gain on HTM financial assets 0 Net gain on F/X 1,368 2,172 1,184 1,332 12.5%

Income from equity invest. 256 Assets impairment loss 3 (6) 59 5 --

Real estate investment gain 0 Others 484 911 712 805 13.1%

Net gain on F/X 651 Ner Revenue 36,466 34,186 31,794 30,146 -5.2%

Others 3,258 Net Provision for credit losses (4,047) (4,015) (2,840) (202) -92.9%

Net non-interest income 12,537 Recovered(provided) for insurance res. (397) 7,101 (377) 634 --

Net revenues 36,659 Operating Expense (18,973) (20,789) (15,082) (16,189) 7.3%

Provision for credit losses (5,890) Income from continued op. before tax 13,049 16,483 13,496 14,389 6.6%

Reserve for insurance (656) Income tax expenses (2,172) (2,405) (1,790) (2,371) 32.5%

Operating expenses (18,084) Consolidated net income 10,877 14,078 11,705 12,018 2.7%

Other expenses 0 Other Items 1,262 3,420 1,139 1,137 -0.2%

Income from continued op. before tax 12,029 Comprehensive Income 12,139 17,497 12,845 13,155 2.4%

Income tax expenses (1,911) Net Income attributed to:

Income from continued op. after tax 10,118 Parent 10,889 14,085 11,692 12,033 2.9%

Income from discountinued op., net of tax 0 Minority interests (12) (7) 13 (15) --

Cummulative effect of change 0

in accounting principle Comprehensive Income attributed to:

Consolidated net income 10,118 Parent 12,242 17,542 12,864 13,216 2.7%

EPS1(NT$) 1.25 Minority interests (104) (45) (19) (61) 221.1%

Net income attributable to parent 10,174

Minority interests (56) EPS1(NT$) 1.18 1.52 1.19 1.21 1.7%

Note: starting from 2013, data are stated in accordance with IFRSs, whereas FY2011-2012 are with ROC GAAP. The same basis applied to all appendix pages.

TW-GAPP Year-over-Year Comparison Full Year Results (IFRSs)

34

FFHC Non-consolidated Income Statement

FFHC Standalone Income Statement Summary

in NT$ million, NT$, or %

2012 2013 2014 3Q14 3Q15 Change

Operating revenues

Income from long-term investment 10,641 11,112 13,904 11,620 12,267 5.6%

Other income1 252 226 289 255 210 -17.6%

Total revenues 10,893 11,339 14,194 11,875 12,477 5.1%

Loss from long-term investment (291) (12) (8) 0 (125) --

Operating expenses (231) (233) (264) (201) (217) 8.0%

Other expenses and losses (145) (145) (159) (138) (143) 3.6%

Income from continued op. before tax 10,226 10,949 13,763 11,536 11,992 4.0%

Income from continued po. after tax 10,226 10,889 14,085 11,692 12,033 2.9%

Income from discontinued op., net of tax 0 0 0 0 0 --

Net income 10,226 10,889 14,085 11,692 12,033 2.9%

EPS2(NT$) 1.18 1.18 1.52 1.19 1.21 1.7%

1. Including income other than long-term investment

2. EPS is adjusted retroactively for stock dividends

Year-over-Year Comparison Full Year Results

35

FFHC Balance Sheet

FFHC Balance Sheet Summary

in NT$ million or million shares

2012 2013 2014 3Q14 3Q15 Change

Non-consolidated Balance Sheet Data

Long-term investment 137,633 145,469 167,888 158,305 194,009 22.6%

Total non-consolidated assets 141,300 151,546 172,071 162,196 200,869 23.8%

Total liabilities 9,156 10,817 18,126 12,930 16,473 27.4%

Total shareholders' equity 132,144 140,729 153,945 149,266 184,396 23.5%

Conolidated Balance Sheet Data

Total consolidated assets 2,124,279 2,263,385 2,355,709 2,327,379 2,469,655 6.1%

Total liabilities 1,991,555 2,122,179 2,201,332 2,177,655 2,284,888 4.9%

Total shareholders' equity 132,724 141,206 154,377 149,724 184,767 23.4%

Parent's shareholders' equity 132,143 140,729 153,945 149,266 184,396 23.5%

Minority interests 581 477 432 458 371 -19.0%

Current shares outstanding 81,254 86,535 92,593 92,593 114,611 23.8%

*figures may not match due to rounding

Year-over-Year Comparison Full Year Results

36

FFHC Key Ratios

FFHC Key Ratios

2012 2013 2014 3Q14 3Q15 Change

After-tax ROAA (Annualized ratio) 0.48% 0.50% 0.61% 0.68% 0.67% -1.5%

After-tax ROAE (Annualized ratio) 7.86% 7.94% 9.53% 10.73% 9.45% -11.9%

Book Per Share 16.26 16.26 16.63 16.12 16.09 -0.2%

Capital Stock 81,254 86,535 92,593 92,593 114,611 23.8%

Double leverage1

104.15% 103.37% 109.06% 106.06% 105.21% -0.8%

Group CAR2

125.55% 123.04% 125.34% 122.27% 152.66% 24.9%

Debt Ratio3

6.48% 7.14% 10.53% 7.97% 8.20% 2.9%

1. Double leverage ratio = Long-term investment / Equity

2. Updated semi-annually.

3. Non-consolidated basis.

Year-over-Year Comparison Full Year Results

37

FB Income Statement

Subject to final Reviewed

38

FB Key Ratios

39

FB Loan QualityFB NPL Migration

in NT$ million or %

2012 2013 2014 Q1 Q2 Q3 3Q14 3Q15 Change

NPL- beginning 6,373 6,423 6,774 2,951 2,774 2,520 6,774 2,951 -56.4%

Net new NPL influx 3,493 5,341 (118) 830 465 201 (357) 1,496 --

Net write-offs (3,443) (4,990) (3,705) (1,007) (719) (125) (2,464) (1,851) -24.9%

NPL- ending balance 6,423 6,774 2,951 2,774 2,520 2,596 3,953 2,596 -34.3%

Allowance for loan loss- beginning 13,886 15,992 17,730 20,089 19,699 19,337 17,730 20,089 13.3%

Provisions for loan loss 5,705 6,693 5,863 683 320 758 4,608 1,761 -61.8%

Net write-offs (3,443) (4,990) (3,705) (1,007) (719) (125) (2,464) (1,851) -24.9%

Others (156) 35 201 (66) 37 154 59 125 111.9%

Allowance for loan loss- ending 15,992 17,730 20,089 19,699 19,337 20,124 19,933 20,124 1.0%

NPL ratio 0.44% 0.47% 0.20% 0.28% 0.18% 0.18% 0.26% 0.18% -0.1%

Coverage ratio 248.97% 261.73% 680.71% 453.05% 767.32% 775.31% 504.28% 775.31% 271.0%

General Provision Ratio 1.17% 1.26% 1.37% 1.34% 1.36% 1.40% 1.37% 1.40% 0.0%

Tier 1 Asset Provision Ratio -- 1.09% 1.24% 1.20% 1.18% 1.22% 1.26% 1.22% 0.0%

1. Non-consolidated basis

Year-over-Year Comparison 2015 QuarterlyFull Year Results

40

First Sec. Operating Report

41

FSITC Operating Report

42

First–Aviva Operating Report

CSR AwardsBritish Standards Institution (BSI)

Both Chinese and English version CSR Report 2014 were ratified GRI’s G4 index.

Securities & Futures Institute (SFI)

Top grade of A++ on “12th Listed and OTC-listed Companies Information Disclosure”.

CommonWealth Magazine

Ranked #9 as “Excellence in Corporate Social Responsibility 2015” by CommonWealth Magazine among large enterprises.

Taiwan Stock Exchange Corporation

One of the top 5% Listed Companies for corporate governance in 2014.

Environmental Protection Administration, Executive Yuan

Ranked as a superb corporate by the “3rd National Environmental Education Award”.

Global Views Monthly

Honored CSR award as “Environmentally Friendly” by Global Views Monthly in 2015.

43

Taiwan Corporate Sustainability Awards

Received “Gold Award”, “Transparency and Integrity Award” and

“Climate Leadership Award” at the Taiwan Top 50 Corporate Sustainability Report Awards from the Taiwan Institute for Sustainable Energy.

Q&A