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6[th] Annual dbAccess Asia Conference 2015 FFHC 2014 Earnings Result

May 18-19, 2015 Singapore

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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.

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Contents

- Overview

• At a Glance

• Financial Highlight

• Operating Results

• ESG Performance

• Appendix

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Overview

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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.

2014/12/31

• Deposit mkt share 5.6%

• Loan mkt share 6.0%

• FFHC asset size Top 8

• SME 11.32%

• Trade Finance Top 3

• Mutual fund sales Top 4

• Custodian Top 2

• Bank branches 190 domestic /30 overseas

Financial Summary

2014 Financial Summary

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 5

Peers Comparison

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In NT billion/ market share

Deposit- Rank Taiwan #7

Loan- Rank Taiwan # 5

Data as of 2014/12/31

SME Loan – Rank Taiwan # 1

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Mutual Fund Sales – Rank Taiwan # 4

Source: Financial Supervision Commission, Banking Bureau

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At a Glance

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4Q 2014 – Wrap up for Better 2015

• Bank’s Topline Remains Solid: Stronger than expected core earnings lifted group profits in the 4[th] quarter of 2014.

Non-Banking Units Firmed- up Profits Contribution: Including Asset Management, Venture Capital delivered decent earnings augmentation.

Positive outlook, Let’s Wrap up Here for 2015: Historical high CASA & coverage ratios composed a good ending posture for 2014, well-prepared for more forward-looking 2015.

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2014 Performance Summary

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Net Income Trend (in NT$ mn)
14,078
10,877
10,125
6,962 7,471 29.4%
？
2010 2011 2012 2013 2014
EPS
ROAA ROAE
(in NT$)
22.0%
20.0%
28.8%
0.61% 9.53% 1.52
2013: 0.50% 2013: 7.94% 2013: 1.18
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2014 Financial Highlight

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2014 Key Figures

1. Based on the classification of specific company’s business units, financial information by business segments should be listed individually.

2. Starting from 2013, Comprehensive Income Statement is required by IFRS.

3. Annualized figures. 4. CAR is updated semi-annually.

4. Double Leverage = Equity Investment / Shareholder Equity

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Net Income & Comprehensive Income

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2014 Consolidated Net Income & Comprehensive Income (in NT$ mn)
Credit (4,015)
Insurance 7101
34,186 3,086 (20,789)
29.4%
↑
(2,405)
17,497
14,078
3,420
Net Revenue Provision Operating Income Tax Net Income Other Items Comprehensive
Expense Income
2013 Consolidated Net Income & Comprehensive Income (in NT$ mn)
Credit (4,047)
Insurance (397)
36,466 (4,444)
(18,974)
(2,172) 10,877 12,139
1,262
Net Revenue Provision Operating Income Tax Net Income Other Items Comprehensive
Expense Income
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Net Income Breakdown by Subsidiaries*

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2014 FFHC Net Income Breakdown (in NT$ mn)
↑ 29.4%
13,381 ↑25.7% 14,078
↑74.8%
FFHC (8)
Aviva (7)
74 79 (15) 263
First Bank First Securities FSITC First-Aviva First AMC FFHC
2013 FFHC Net Income Breakdown (in NT$ mn)
10,877
10,645
FFHC (12)
Aviva (12)
151
140 103 (24)
First Bank First Securities FSITC First-Aviva First AMC FFHC
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• Major 5 subsidiaries were listed.

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2014 Operating Results

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FFHC & First Bank Profitability -After Tax

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FFHC Net Income & ROAE (in NT$ mn & %)
Cumulative Net Income Annualized ROAE
11.42%
10.46% 10.20% 10.73%
9.20% 8.80% 9.48% 9.13% 9.53%
7.73% 7.94%
14,078
9,016 10,118 9,293 10,877 8,205 11,705
6,680 6,361
2,970 3,655
6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014
First Bank Net Income & ROAE (in NT$ mn & %)
Cumulative Net Income Annualized ROAE
11.14% 9.73% 9.44% 9.84% 9.49% 10.59% 11.10% 10.60% 9.40%
8.58% 8.35%
13,381
10,375 10,645 10,936
8,880 8,977
7,527
6,551 6,144
2,962 3,543
6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014
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1.Minority interests included

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FB 2014 Pre-tax Profit

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|||||||
|---|---|---|---|---|---|
|2014 Cumulative Net Revenue|(in NT$ mn or %)|% of FB Income before Tax (in %)|
|Item|2013|2014|Change|
|NII|75.9%|72.4%|-3.5%|
|37,520|
|Net Fee|16.5%|16.5%|0.0%|
|Gain on ST Invest.|0.2%|-0.4%|-0.6%|
|Gain on LT invest.|2.2%|1.8%|-0.4%|
|Gain on fin. Products|5.8%|9.3%|+3.5%|
|32,776|+14.5%|
|Others|-0.6%|0.4%|1.0%|
|Total Revenue|100.0%|100.0%|
|Provision Expensez|[1 ]|-21.6%|-16.4%|-5.2%|
|2013|2014|Adjustment :Recovery|+9.7%|+6.0%|-3.7%|
|Cumulative Net Revenue|Operating Expense|-49.6%|-47.2%|-2.4%|
|Income Before Tax|38.5%|42.4%|+3.9%|
|FB Revenue/Expense Comparison|(in NT$ mn )|
|27,138|↑9.1%|
|24,865|
|↑9.0%|
|↑14.7%|↓|13.1%|16,269|17,736|
|↑ 50.0%|
|↓29.3%|
|↓32.8% 5,397|6,190|4,011|7,090|6,161|
|2,674|3,168|2,240|
|2013 2014 2013 2014 2013 2014 2013 2014 2013 2014 2013 2014|
|Gains on|
|Net Interest Income|Net Fee Income|Provision Exp.|[1 ]|Recovery|Operating Exp.|
|investment|

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1. Gross Provision Expense.

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FB 2014 Loan Book Mix

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% of Loan Book [1]
2014 Loan Book [1] (in NT$ bn or %)
Item 2013 2014 Change
Consumer 28.6% 27.4% -1.2%
1,503.4
Mortgage 27.4% 26.0% -1.4%
Other Consumer Loan 1.2% 1.4% +0.2%
Corporate Banking 71.4% 72.6% +1.2%
1,433.0 Commercial Loan 48.1% 47.7% -0.4%
+4.9%
--- SME 38.1% 39.0% +0.9%
F/X/ Loan 20.4% 22.3% +1.9%
--- Overseas 9.6% 10.4% +0.8%
2013 2014 Gov./SOE Loan 2.8% 2.6% -0.2%
Loan Book [1 ]
Loan Book [1 ] 100.0% 100.0%
2014 Loan Book [1] Breakdown (in NT$ bn ) 717.5
↑4.1%
689.2
↓ 0.4%
SME↑7.3% ↑ F/X14.3%
391.5
334.9
293.0
393.3 ↑ 22.8% ↓4.7% SME [2 ] SME [2 ]
545.9
585.5 Overseas Overseas Overseas
38.5
17.1 21.0 40.4 137.2 157.1 ↑ 14.5%
2013 2014 2013 2014 2013 2014 2013 2014 2013 2014
Mortgage Other Consumer Gov./SOE Loan Commercial F/X Loan
Loan Loan
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1. Loan Book does not include NALs

2. SME as defined by the “Act for Development of Small & Medium Enterprises; both NTD & Foreign currency loan included

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FB Loan Breakdown

-QoQ Comparison

1.Other consumer loan not included

2.Commercial loan includes SME.

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FB 2014 LDR, SPREAD &NIM

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Total Loan & LDR (in NT$ bn or % )
Total Loan [1 ] LDR [2 ]
89.49%
88.71% 88.51% 88.29%
86.54%
84.51% 84.49%
83.50% 83.48% 83.03%
1,410.3 1,445.2 1,437.3 1,449.2 1,447.7 1,439.9 1,470.6 1,470.9 1,491.8 1,507.1
3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
△
Loan-Deposit Spread / NIM ( in % )
Spread [3 ] NIM [3 ]
1.52% 1.53% 1.54% 1.55% 1.55% 1.55% 1.55% 1.55%
1.48% 1.49%
1.26% 1.26% 1.26% 1.26% 1.28% 1.28% 1.28% 1.28%
1.20% 1.21%
3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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1. Total Loan = loan + import/export negotiation + NALs

2. LDR = Total loan / Total deposit, starting from 2012, total deposit does not include structured deposit.

3. Annual cumulative Average Spread and NIM

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FB 2014 Loan Yields

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FB NTD Yields & Costs Overview ( in % )
1.60%
Deposit Rate (NTD) Lending Rate (NTD) Interest Spread (NTD)
1.56%
1.53%
1.52% 1.52%
1.50%
1.48%
2.10% 2.11% 2.15% 2.13% 2.12% 2.16% 2.20%
0.62% 0.61% 0.61% 0.61% 0.60% 0.60% 0.60%
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
FB FX Yields & Costs Overview ( in % ) Deposit Rate (FX) Lending Rate (FX)
1.83% Interest Spread (FX) Domestic F/X loan
1.76%
1.75% yield dragged by
1.65% 1.67% slipping benchmark
1.59%
TAIFEX rate since
1.45%
Q3
2.29% 2.42% 2.38% 2.52% 2.65% 2.51% 2.29%
0.87% 0.98% 0.92% 0.84%
0.53% 0.59% 0.64%
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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All rates are QUARTERLY* average rates.

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Major Exposures Breakdown

End of 2014 - % of Loan to Industries 6.01% 13.17% 11.38% 5.51% 5.48% Manufacturing; 27.90% 2014 7.28% Total Exposures 6.70% Petro.Metal 3.30% $1,609 bn Tech. Machinery 3.67% Other manufacturing Individual(Mortgage included) 6.54% Construction Real Estate Wholesale/Retail 30.96% Transportation&Warehousing Others

1. Total loan does not includes NALs.

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FB NT Dollar Deposit Mix

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NTD Deposit Structure (in % )
Time Deposit Demand& low-cost deposit (CASA Rate) Fixed rate of time deposit
Central Bank rate-
hike pause
43.8% 44.6% 44.9% 44.9%
42.0%
40.5%
△
38.9%
37.0%
36.0%
57% 58% 59% 59% 60% 61% 62% 63% 64%
43% 42% 41% 41% 40% 39% 38% 37% 36%
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14
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FB 2014 Mortgage Book

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FB 2014 Fee Income Breakdown

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2014 Cumulative Net Fee Income (in NT$ mn or %) % of Cumulative Net Fee
Item 2013 2014 Change
6,190 WM [1 ] 46.3% 49.8% +3.1%
F/X 17.2% 15.2% -2.0%
Other [2 ] 13.3% 14.0% +0.7%
5,397 +14.7%
Loan-related 16.7% 15.2% -1.5%
Credit Card 6.5% 6.3% -0.2%
2013 2014
Cumulative Net Fee 100.0% 100.0%
Net Fee Income
2014 Cumulative Net Fee Breakdown ( in NT$ mn )
↑ 23.4%
3,083
2,499
↑3.8% ↑1.5%
↑17.6%
↓ 23.7% 927 ↑9.3%
893 926 940 854
386 726
353
↑3.0%
2013 2014 2013 2014 2013 2014 2013 2014 2013 2014
WM Fee [1 ] Loan-related F/X Credit Card Other [2 ]
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1. WM Fee = Custodian Fee + Trust-related Fee + Bancassurance Fee

2. Other represents network service fee, including overseas branches

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FB Fee Income Breakdown

-QoQ Comparison

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Fee Income (in NT$ mn)
1,705 YoY% +10.4%
1,525 1,554
1,421 1,465 1,406
Fee
Income
248
206
197 100
203
Others 194 203 95
100
237
95
Credit Card 87 91 237
243
F/X 228 251 223 250
Related
221
232
Loan 226 237 100
224
Related 93 91 2014(YoY%)
Custodian 87 86 84 +18.5%
770
660 704 Mutual fund
Fund& Banca. 599 594 581 & Bancassur.
Wealth
MGT.
3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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• Wealth Management Fee = Fund sales + Bancassurance + Custodian

*Other represents network service fee, including overseas branches

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FB 2014 Overseas Profits

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2014 FB Overseas Pre-Tax Profit Mix ( in NT$ mn or % ) 2014 FB Total Pre-Tax Profit Mix ( in NT$ mn or %)
7.5% Total Pre-Tax
5.6%
52.4% Profit
OBU $15,862 mn
14.9% Shanghai Taiwan Market;
55.2%
2014 Chengdu
Overseas Macau
$7,112 mn HK
North America
11.6%
Asean Other overseas; Greater China; 32.3%
Others 12.5%
1.0% 6.4%
0.6%
Quarterly Overseas & Total PTP (in NT$ mn or %)
Overseas Total Cumulative Overseas PTP to FB Total PTP
47.3% 34.6% 43.9% 44.8%
27.3% 19.9% 30.6%
4,087 4,642
3,967
3,166
3,895
3,496
1,675
1,280 1,447 1,932 1,910 1,725 1,545
150
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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• Data stated in accordance with T-IFRS.

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FB 2014 Cost-to-Income Ratio

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2014 Cumulative Operating Expense (in NT$ mn ) Cost-to-Income Ratio Analysis( in NT$ mn)
Item 2013 2014
17,736 Net Revenue 32,776 37,520
Operating Expense (16,269) (17,736)
16,269 +9.0%
Provision(Net) (3,922) (3,921)
Income Tax (1,940) (2,481)
2013 2014
Net Income 10,645 13,381
Operating Expense
Quarterly Operating Expense & Cumulated Cost-to-Income Ratio ( in NT$ mn or % )
Sales Tax raised
Net Revenue Operating Expense Cost-to-Income Ratio fm 2% to 5%
51.30%
49.38% 49.63%
47.27%
45.25% 45.49% 45.39%
9,956
8,101 8,715 8,288 9,032 9,256 9,276
4,138 4,002 4,176 4,087 4,232 4,501 4,916
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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• Data stated in accordance with T-IFRS.

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FB 2014 Asset Quality

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NPL Amount, Reserve, Coverage (in NT$ mn or % ) Gross Provision Ratio 680.71%
(loss reserve against performing loan)
LLR ratio (loan loss reserve/total loan,
521.72%
Coverage Ratio 504.28%
excluding gov.loan)
453.05%
228.97% 261.73%
191.46%
1.22% 1.29% 1.26% 1.34% 1.31% 1.37% 1.37%
1.26%
1.20% 1.20% 1.24%
1.01% 1.01% 1.09%
NPL Ratio NPL NPL Reserve
0.64%
0.50%
0.47%
0.28% 0.24% 0.26%
0.20%
16,604 17,778
17,730 18,813 18,637 19,933 20,089
9,286
7,252 6,774
4,152 3,572 3,953 2,951
6M13 9M13 2013 3M14 6M14 9M14 2014
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FB NPL Migration by Sectors

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1
Individual & Mortgage NPL Ratios (in %) Large Corp. & SME NPL Ratios (in %)
Individual
Large Corp.
Mortagge
SME
0.22%
0.20% 0.22% 0.52% 0.50% 0.39% 0.45%
0.18% 0.18% 0.35%
0.17%
0.19%
0.17% 0.30% 0.09%
0.17% 0.26% 0.03%
0.20%
0.16%
4Q13 1Q14 2Q14 3Q14 4Q14 4Q13 1Q14 2Q14 3Q14 4Q14
Domestic NPL Ratio (in %) Overseas NPL Ratio (in %)
Domestic Overseas
0.32% 0.30% 1.26%
0.28%
0.25% 0.21% 0.27% 0.23% 0.08% 0.13%
4Q13 1Q14 2Q14 3Q14 4Q14
4Q13 1Q14 2Q14 3Q14 4Q14
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1. Individual: mortgage and non-mortgage loan included

2. bad-debt recovery not included.

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FB New NPL Influx Breakdown

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Breakdown of New NPL Influx (in NT$ mn ） Quarterly Recovery Mix (in NT$ mn)
Quarterly
1Q14 2Q14 3Q14 4Q14 Quarterly
NPL Influx 1Q14 2Q14 3Q14 4Q14
Recovery
--- Domestic 178 619 1,140 39
--- Domestic 246 553 486 216
--- Overseas (2,275) (30) 11 200
--- Overseas 450 101 26 102
--- Credit Card 17 15 14 14
Total NPL Influx (2,097) 589 1,151 239 Total Recovery 713 669 526 332
Quarterly New NPL Influx & Write-offs ( in NT$ mn)
Write-off New NPL Influx
0.15%
0.09%
2,710 2,695 0.07%
0.00% 0.00% 0.00%
1, 051 1,388 [1,397] 1,169 1,151 1,241
676 525 589 770
231 183 239
(2,097)
1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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CAR & Core Capital

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FFHC Group CAR(in %)
CAR
125.55% 125.34%
123.00% 123.04%
121.24%
117.99% 117.05% 119.40%
115.14%
statutory CAR 100%
FB CAR & Core Capital(in %)
CAR
11.51% 11.50%
10.94% 11.03% 10.90% 10.88%
10.36% 10.14% 10.44%
Tier 1
9.02%
8.28% 8.23% 8.41% 8.34% 8.31% 8.64%
7.00% 6.82%
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14
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•Leverage ceiling for holding companies in Taiwan: Double Leverage < 125% ; Debt Ratio < 30%

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Shareholder Return

1. EPS is adjusted retroactively for stock dividends.

2. 2014’s dividend proposal is subject to final approval at 2015 AGM meeting on June 26,

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ESG Performance

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ESG Awards

British Standards Institution (BSI)

The BSI has verified an A+ degree to First Financial Holding’s CSR Report in 2013.

Securities & Futures Institute (SFI)

The SFI evaluated A++ to First Financial Holding on “11[th] Listed and OTC-listed Companies Information Disclosure”.

CommonWealth Magazine

First Financial Holding was awarded by CommonWealth Magazine the CSR award 2014.

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Taiwan Corporate Sustainability Awards

First Financial Holding was awarded the “7[th] Taiwan Top 50 Corporate Sustainability Report Awards” as the category of Large Enterprises, Financial Industry.

Taipei City Government

First Financial Holding was awarded the “3[rd] Environmental Education Award of Taipei City”.

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Appendix

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FFHC Consolidated Statement of Comprehensive Income

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

Note: 2013 and 2014 are stated in accordance with IFRS, whereas FY2010-2012 are with ROC GAAP. The same basis applied to all appendix pages.

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FFHC Non-consolidated Income Statement

FFHC Standalone Income Statement Summary in NT$ million, NT$, or %

1. Including income other than long-term investment

2. EPS is adjusted retroactively for stock dividends

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FFHC Balance Sheet

FFHC Balance Sheet Summary in NT$ million or million shares

*figures may not match due to rounding

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FFHC Key Ratios

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FFHC Key Ratios

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

2. Updated semi-annually.

3. Non-consolidated basis.

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FB Income Statement

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Subject to final Reviewed
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FB Key Ratios

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FB Loan Quality

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42

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First Sec. Operating Report

First Securities Financial Results Summ

in NT$ million or %

43

==> picture [180 x 31] intentionally omitted <==

FSITC Operating Report

==> picture [615 x 411] intentionally omitted <==

44

==> picture [180 x 31] intentionally omitted <==

– First Aviva Operating Report

==> picture [666 x 420] intentionally omitted <==

45