Investor Presentaiton

KGI Bank - Asset Quality Asset quality remained intact NPL Ratio & NPL Coverage Have Remained Stable Non-performing loan ratio, non-performing loan coverage, percent 627.6 413.8 397.3 755.6 918.7 837.5 688.9 755.6 643.7 0.34 0.34 0.21 0.17 0.20 0.18 0.17 0.15 0.14 2015 2016 NPL Coverage 2017 2018 NPL ratio 2Q18 3Q18 4Q18 NPL Coverage 1Q19 2Q19 NPL ratio Note: 2015 were the pro-forma figures post CDIB Capital Group business transfer Stable LLR Coverage Loan loss reserve, NT$mn; loan loss reserve coverage (LLR), percent 3,430 3,116 3,925 4,334 1.27 1.41 2015 1.34 2016 Loan Reserve 1.32 2017 2018 Loan loss reserve ratio(LLR) Note: 1. 2015 were the pro-forma figures post CDIB Capital Group business transfer 中華開發金控 CHINA DEVELOPMENT FINANCIAL Note: Banking peers' average NPL ratio was 0.23% and peer average NPL coverage ratio was 595.9% as of June 30, 2019 4,244 4,303 4,334 4,366 4,567 1.27 2Q18 1.27 1.27 3Q18 4Q18 Loan Reserve 1.26 1Q19 1.27 2Q19 Loan loss reserve ratio(LLR) Note: Banking peers' loan loss reserve coverage was 1.39% as of June 30, 2019 This slide is part of a presentation by China Development Financial Holding Corporation and/or its affiliates (together, "CDF") and is intended to be viewed as part of that presentation. The presentation has not been updated since it was originally presented, and does not constitute a commitment by any CDF entity to underwrite, subscribe for or place any securities or to extend or arrange credit or to provide any other services. 21

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