4Q / 2012 4Q / 2012 (v.1)(v.1)

Investor/Analyst BriefingInvestor/Analyst Briefing

2

THE FINANCIAL INFORMATION IN THIS PRESENTATION AS O F AND

FOR THE TWELVE MONTHS ENDED DEC. 31, 2012 ARE UN-AU DITED

RESULT. MEGA FHC WILL FILE ITS AUDITED INTERIM FINAN CIAL

STATEMENTS THROUGH THE TAIWAN STOCK EXCHANGE MARKET

OBSERVATION POST SYSTEM ON MAR. 31ST, 2013.

DISCLAIMER

These materials are not an offer for sale of securities in the United States. Securities may not be sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended.

3

Agenda

Operation Highlights11

22 Financial Performance

33 Appendix

4

4Q/2012 performance summary*

� Total loan was up 2.9% YoY but down 1.2% QoQ, due to weaker demand and tighter credit control amid macro uncertainties.

� Both domestic loan and overseas loan were down QoQ; where OBU loan was only up 5.8% YoY and overseas loan was only up 3.5% YoY.

� …similarly, decline in 4Q/12 causing FCY loan achieved only 1.2% YoY growth.

� LLR / total loan ratio stood at 1.06%; NPL ratio reached 0.17% with 641% coverage ratio, due to 100% Promos write-off and 100% Powerchip provision.

� …while annualized new NPL formation remained stable at only 0.16%.

� Total deposit growth picked up 3.7% QoQ, which pushed down the LDR to 88% at year end or 93% for the full year.

� Bank 4Q/12 NIM was down 3bps to 1.22%, due to decline in FCY NIM.

� Bank fee was up 8% YoY, driven by strong syndication loan fee and bancassurance fee.

� FHC fee was down as bank fee growth were off-set by the brokerage and bills finance fee decline.

� FHC net revenue was up 12% YoY, driven by strong NII and trading gain.

� FHC cost-to-income ratio maintained at 41%; bank cost-to-income ratio stood at 38%.

� Bank net provision expense was NT$4,187mn, due to aggressive reserve for Powerchip and General Loan.

� 2012 yielded respectable ROE (10.30%) and ROA (0.72%) numbers.

� Bank tier-one capital ratio maintained at 9.66%.

� 2012 dividend policy should maintain favorable yield for investors.

* 4Q/2012 un-audited internal numbers, unless specified otherwise.

5

80 82 82

205 211 214 210

50 32

439 437 454 464 465

661 692 691 698 683

8583

202

48 46 32 282730 31 34

4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

* Mega Bank quarterly un-audited end balance, includes loan, factoring, A/R financing, L/C, credit card revolving and non-accrual loan but excludes guarantee.** Includes Gov-linked Non-Profit Organization and etc.

Unit: NT$bn

Total loan contracted in 4Q/12 due to weaker demand and tighter credit control.

Total:1,461

Large corp.

SME

Other corp.**

Gov.-linked

Mortgage

Other consumer

1,522

Otherconsumer

6%

Large corp.45%

SME31%

Other corp.2%

Mortgage14%

Gov.-linked2%

1,504

� Large corp. loan was up 3.3% YoY butdown 2.1 QoQ, SME loan was up 5.9% YoY and 0.2% QoQ.

� Mortgage loan was up 4.0% YoY but down 1.9% QoQ.

� Total loan was up 2.9% YoY but down 1.2% QoQ.

Mega Bank quarterly loan balance* Mega Bank 4Q/12 loan breakdown by customer

Highlights

1,491 1,515Growth TrendYoY: 2.9%QoQ: -1.2%

6

* Mega Bank un-audited numbers, includes loan, factoring, A/R financing, L/C, credit card revolving and non-accrual loan but excludes guarantee.

Most industries experienced loan contraction in 4Q/12.

Others6%Consumer

20%Gov.

agency1%

Service2%

Manufacture32%

Transport &Telecom

10%Real estate12%

Financial9%

Retail &wholesales

8%

Mega Bank 4Q/12 loan breakdown by industry*Mega Bank loan balance trend by industry*

Unit: NT$BN

126

27

10

295

86

14

296

86

479

158

160

116

105

39

27

283

94

157

185

484

134

178

24

493

137

133

161

Manufacturing

Transport & Telecom

Real estate

Retail & wholesales

Financial

Service

Gov. agency

Consumer

Others

4Q/12 3Q/12 4Q/11

Growth TrendYoY: 1%QoQ: -2%

Growth TrendYoY: 9%QoQ: -5%

Growth TrendYoY: 16%QoQ: 4%

Growth TrendYoY: 28%QoQ: -2%

Growth TrendYoY: 4%QoQ: flat

7

1,033 1,036 1,036

260 275 276 274

198 207

1,002 1,023

259

210205200

4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Unit: NT$bn

Both domestic and overseas loan contracted.

Domestic

OBU

Overseas branches

Mega Bank 4Q/12 loan breakdown by regions *

* Mega Bank quarterly un-audited end balance, includes loan, factoring, A/R financing, L/C, credit card revolving and non-accrual loan but excludes guarantee.** OBU stands for Off-shore Banking Unit

Domestic68%

OBU(offshore

banking unit)18%

Overseasbranches

14%

Growth TrendYoY: 3.5%QoQ: -1.4%

Growth TrendYoY: 5.8%QoQ: -0.7%

Growth TrendYoY: 2.1%QoQ: -1.3%

8

930 923 921

560 585 594 577

892 926

570

4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Unit: NT$bn

FCY loan was down due to tighter credit control and weaker demand.

NTD Loan

FCY Loan**

Mega Bank 4Q/12 loan breakdown by currency: NTD vs. foreign currency loan *

NTD Loan61.6%

FCY Loan38.4%

Growth TrendYoY: 1.2%QoQ: -2.9%

Growth TrendYoY: 3.8%QoQ: 0.5%

* Mega Bank quarterly un-audited average balance, includes loan, factoring, A/R financing, L/C, and non-accrual loan but excludes credit card & guarantee.Foreign currency loan includes OBU, overseas branch and some domestic branch loan.

9

NPL was down while coverage was up due to Promos write-off and Powerchip provision.

3,941 3,5642,922

5,659 6,113

2,481

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

0.27%0.24%

0.38%0.41%

0.17%

0.49%0.43% 0.44%

0.56%

0.44%

0.20%

13,178

15,256 15,416 15,50216,845 15,905

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

428.13%

527.48%

359.38%

272.95%

641.18%

269.74%

194.24%251.83% 255.47%

192.45% 212.69%

Mega Bank NPL balance & NPL ratio* Mega Bank loan loss reserved and coverage ratio

Unit: NT$MN Unit: NT$MN

* 90 days standard

Mega

Market Avg.

Market Avg.

Mega

LLR / Total loan = 1.06%

Promos (NT$2.9bn) was included.

Promos (NT$2.9bn)

was written off

10

0.34%

1.52%

0.78% 0.87%

0.19%0.34%

2007 2008 2009 2010 2011 2012

New NPL

0.22% 0.21% 0.17%0.57% 0.65%

0.16%

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Large corp. NPL%

0.21%0.22%0.24%0.27%0.28%0.31%

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Mortgage NPL %

New NPL influx remained stable if Promos was excluded.

0.20%0.23%0.24%0.26%0.34%0.29%

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

SME NPL %

Mega Bank NPL ratio by customer *

* Excludes gov. loan, gov-linked corp. loan and other corp. loan, which all have 0% NPL. ** Annualized new NPL balance / total loan. Mega Bank Internal number.*** Promos exposure(NT$2.9bn) was provided with 100% provision in 2011, classified as NPL in 2Q/12, then 100% written-off in 4Q/12.

Mega Bank new NPL as % of total loan **

***

Drops to 0.16% if

Promos was excluded.

0.16%

Promos (NT$2.9bn) was included.

Promos (NT$2.9bn)

was written off

11

495 479 485 506

306 317 321 333 341

464508 530

302 307298 289 317

490 504

290

520517446

282

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Mega Bank’s deposit balance *

Total: 1,527

Unit:NT$bn

Total deposit was up 3.7% QoQ in 4Q/12.

FX time19%

NTD time31%

NTDdemand

30%

FXdemand

20%

1,6241,694

1,571 Demand

Deposit (%)FX time deposit

NTD time deposit

FX demand deposit

NTD demand deposit

Mega Bank’s 4Q/12 deposit breakdown

* Excludes interbank deposit, Central Bank deposit & Chunghwa Post re-deposit ; un-audited numbers..

1,595 1,634

Mega Bank’s demand deposit trend (%)

49.99%

51.3%

49.6%49.9%

51.0%51.1%

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Growth TrendYoY: 7.8%QoQ: 3.7%

12

93.2%93.7%93.8%

90.7%92.3%

94.4%

91.5%

85.9%

89.1%

87.7%

90.6%91.3% 91.4%

92.1%

82.8%

86.6%

89.5%

91.7%

93.9%94.2%92.1%

96.7%

92.6%

92.0%92.8%94.8%90.8%

75%

85%

95%

1-4Q/10 1Q/11 1-2Q/11 1-3Q/11 1-4Q/11 1Q/12 1-2Q/12 1-3Q/12 1-4Q/12

LDR(Total) LDR(NTD) LDR(Foreign currency)

Mega Bank’s loan to deposit ratio (LDR) trend*

LDR (NTD)

LDR (Total)

LDR (FCY)

* LDR calculation is based on average loan/deposit balance of that period; foreign currency loan includes OBU, overseas branches and some domestic loans.

Total LDR remained stable.

13

Total loan interest spread was down 1bp.

2.02% 2.09% 2.10% 2.07% 2.08% 2.06%

1.43%1.44%1.43%1.47%1.47%1.44%

0.62%0.59% 0.63%0.63% 0.64%0.64%

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Spread Yield cost 2.25% 2.32% 2.36% 2.25% 2.23% 2.18%

1.75%1.78%1.81%1.94%1.87%1.86%

0.39% 0.44% 0.43%0.42% 0.45%0.44%

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Spread Yield cost

* Overseas loan includes overseas branches and OBU loan; un-audited internal numbers.

Mega Bank overseas loan interest spread*Mega Bank total loan interest spread*

Mega Bank domestic loan interest spread*

1.91% 1.96% 1.97% 1.97% 1.99% 1.99%

1.23%1.24%1.21%1.22%1.24%1.21%

0.70% 0.76%0.73% 0.75% 0.75%0.76%

3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Spread Yield cost

14

1.13%1.15%

1.27%

1.19%1.22% 1.22%

1.25%1.23%

1.17%**

1.02% 1.13% 1.27%1.09% 1.10% 1.09%1.10%1.12%

1Q/11 2Q/11 3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Total NIM was down due to FCY NIM decline.

5,583 5,781

6,502 6,5696,803 7,004 6,862 6,831

1Q/11 2Q/11 3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

Mega Bank quarterly NIM & NII *

Unit: NT$MN

* NIM = annualized net interest income / average interest earning assets of that quarter; NII is quarterly net interest income; un-audited internal numbers.

** 3Q/11 number includes approximately NT$0.5bn (10 bps) one-time interest income from NPLs recovery.

Mega Bank quarterly foreign currency NIM*

Mega Bank quarterly NTD NIM*

1.28%1.19%

1.28% 1.29% 1.33% 1.35%1.40%

1.34%

1Q/11 2Q/11 3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12**

1.09%**

15

81 91135 166

91

113152 117 184

295150

231

179 93 83

99

112

107 1089797

11395

87

74

94 93

168 99116

120

140

1Q/11 2Q/11 3Q/11 4Q/11 1Q/12 2Q/12 3Q/12 4Q/12

411

4Q/12 WM fee was up as bancassurance sales improved.

Mega Bank quarterly wealth management gross fee revenue breakdown by product *

Unit: NT$MN

* Mega Bank internal data; gross wealth mgmt fee, NOT net wealth mgmt fee.** Profit sharing scheme of fund mgmt fee and trust account mgmt fee.

Structured products fee

Mutual fund fee

Bancassurance fee

Management fee**

523517

Total: 455470

449468

616

16

Bank fee was boosted by WM and syndication loan fee.

408

1,814

713 593286

1,540

2,3621,908 1,812

410 297

1,921

1,172

2,896

Wealth Mgmt** FX Corp. loan Custodian Credit card Securities Bills

2011 2012

Mega Bank net fee breakdown*

Unit: NT$MN

Custodian

5%

Credit Card

3%

Bills

7%Securities

13%

Corp. loan

31%

FX

20%

WM

21%

* Internal data; within WM fee, fee reimbursed by insurance agent is booked as other revenue in P&L; as a result, total net fee combined here is slightly more than the net fee figure shown in FHC P&L.

** Net wealth mgmt fee.

Mega Securities net fee

Mega Bills net fee

� Bank sub. WM net fee was up 25% YoY due to strong bancassurance sales.

� Bank sub. corp. loan fee was up 23% YoY due to robust syndication loan fee, partly contributed by the European bank deleveraging phenomenon in the region.

� Securities sub. fee was down 35% YoY due to poor domestic equity market trading volume.

Highlights Mega FHC 1-4Q/12 net fee breakdown

17

Agenda

Operation Highlights11

22 Financial Performance

33 Appendix

18

Net interestincome

59%

Net feerevenue

17%

Insurancepremium

3%

Net tradinggain14%

OtherRevenue

7%

NII revenue was up 12% YoY .

8,797

28,279

2,8911,313

4,471

8,5047,174

3,593

30,552

1,442

Net interestincome

Net feerevenue

Net tradinggain**

Insurancepremium

Others

1-4Q/11 1-4Q/12 Unit: NT$MN

Mega Group consolidated net revenue * Mega Group 1-4Q/2012 net revenue breakdown

* Audited figures.

** Net trading gain includes short-term assets, AFS assets, HTM assets, equity method assets, property and FX service derived trading gain,

and minus (add) asset impairment loss (write back).

**

� Group net revenue was up 12% YoY due to strong NII and trading gain.

� NII was up 8% YoY due to improved NIM and stronger loan growth.

� Fee revenue was flat as bank fee growth was off-set by securities brokerage fee decline.

� Trading gain was up 148% YoY due to strong fixed-income trading gain and FX spread gain.

Highlights

+ 12%

19

550.96%

364.29%314.34%

502.21%

2009 2010 2011 2012

560.29%570.01%

661.61%

528.58%

2009 2010 2011 2012

16.88% 16.22%14.48% 13.49%

2009 2010 2011 2012

11.73% 11.26% 11.56% 11.86%

9.66%9.27%9.42%9.88%

2009 2010 2011 2012

Mega Bank

Mega Bills Mega SecuritiesCKI P&C

Mega FHC*

Moody’s: A3

126.13% 122.94% 125.55% 126.28%

2009 2010 2011 2012

Requirement: 200% Requirement : 150%Requirement : 8.0%

Regulatory Requirement :

8.0%

Regulatory Requirement : 100%

CAR / RBC

Tier I capital ratio

* FHC CAR is calculated based on net investments in subsidiaries

Moody’s: A3 / S&P: BBB+

Well-capitalized for Basel III requirements

Moody’s: A1 / S&P: A / Fitch: A-

Credit rating

20

8.67%10.30%

7.66%

0.16%

7.62%8.74%ROE

0.72%0.58%

0.75%

0.01%

0.61%0.69%

ROA

1.30

1.88

1.25

0.25

1.00

1.54

0.03

1.37

1.57

0.90.85

2007 2008 2009 2010 2011 2012

EPS

cashdividend

Unit: NT$

Strong profitability and attractive dividend policy

Key Profitability Ratios� To prevent over-inflated capital base

as well as to maintain sufficient capital for future growth, our dividend policy is:

� Maintain high payout ratio

� At least 50% of dividend payout in cash form.

81% Payout

833% Payout

77% Payout

0.2

80% Payout

1.10

Stock dividend

0.15

64% Payout

1.00

21

NT$MN, except per share data 2012* 2011 YoY 2011Net interest income 30,552 28,279 8% 28,279Net fee revenue 8,504 8,797 -3% 8,797Insurance premium 1,442 1,313 10% 1,313Gain from fin. assets at fair value thru P&L 2,340 -653 - -653Available for sales asset gain 1,845 1,328 39% 1,328Hold to maturity asset gain - 9 - 9Equity method investment gain 306 152 101% 152Property investment gain - 2 - 2FX spread gain 2,409 1,515 59% 1,515Asset impairment loss (write-back) -505 -196 - -196Cost method investment gain 779 734 6% 734NPL write-back (net) 923 2,486 -63% 2,486NPL asset sales gain 1,306 -Asset sales gain - 1,002 - 1,002Other non-interest revenue (net) 1,364 983 39% 983Operating net revenue 51,263 45,751 12% 45,751Operating expense -20,904 -20,988 0% -20,988Pre-provision operating profit 30,359 24,763 23% 24,763Provision expense on loan -4,535 -3,714 22% -3,714Reserved on insurance 13 67 - 67Pretax profit 25,837 21,116 22% 21,116Tax -4,292 -3,430 25% -3,430Minority shareholder interest -11 -6 - -6Net profit 21,534 17,680 22% 17,680EPS (NT$) 1.88 1.57 20% 1.57

1-4Q/2012 Mega FHC consolidated P&L statement*

* Un-audited numbers.

Cost-to-income ratio: 41%

22

1-4Q/2012 Mega FHC consolidated balance sheet*

NT$MN 2012* 2011 YoY 2011 YTDAssets: Cash and due from banks 461,452 498,313 -7% 498,313 -7% Bills and bonds under RP agreement 4,724 1,011 367% 1,011 367% Fin. assets at fair value through P&L 184,569 190,766 -3% 190,766 -3% AFS financial assets 220,626 161,831 36% 161,831 36% HTM financial assets 160,776 131,459 22% 131,459 22% Other financial assets 22,801 19,831 15% 19,831 15% A/R, net 125,373 107,392 17% 107,392 17% Loan, net 1,502,646 1,462,450 3% 1,462,450 3% Equity method LT investments, net 2,668 2,465 8% 2,465 8% Land, premises and equipments, net 23,038 21,811 6% 21,811 6% Others 16,613 21,579 -23% 21,579 -23%Total assets 2,725,286 2,618,908 4% 2,618,908 4%Liabilities Due to banks 419,532 439,139 -4% 439,139 -4% Deposits 1,718,209 1,579,727 9% 1,579,727 9% CP & Bond payable 64,330 63,250 2% 63,250 2% Bills & bonds sold under repurchase agreement 186,957 199,581 -6% 199,581 -6% Other liabilities 122,174 133,978 -9% 133,978 -9%Total liabilities 2,511,202 2,415,675 4% 2,415,675 4% Capital stock (common stock) 114,498 112,806 1% 112,806 1% Capital surplus 43,425 43,426 0% 43,426 0% Retain earning 52,214 42,014 24% 42,014 24% Equity adjustment items 3,647 4,688 -22% 4,688 -22% Minority shareholder interest 300 299 0% 299 0%Total stockholders' equity 214,085 203,233 5% 203,233 5%Total liabilities and stockholders' equity 2,725,286 2,618,908 4% 2,618,908 4%Book value per share (NT$) 18.67 17.99 4% 17.99 4%

* Un-audited numbers.

23

NT$MN, except per share data 2012* 2011 YoY 2011Net interest income 27,536 24,662 12% 24,662Net fee revenue 6,619 6,106 8% 6,106Gain from fin. assets at fair value thru P&L 1,944 -179 - -179Available for sales asset gain 1,015 896 13% 896Hold to maturity asset gain - 9 - 9Equity method investment gain 486 214 127% 214Dividend income 1,056 - - -FX spread gain 2,324 1,509 54% 1,509Asset impairment loss (write-back) 45 -89 - -89Cost method investment gain -425 734 - 734NPL write-back (net) - 1,404 - 1,404Asset sales gain - 1,006 - 1,006Other non-interest revenue (net) 2,515 740 240% 740Operating net revenue 43,115 37,011 16% 37,011Operating expense -16,352 -16,143 1% -16,143Pre-provision operating profit 26,763 20,868 28% 20,868Provision expense on loan -4,187 -3,398 23% -3,398Pretax profit 22,576 17,470 29% 17,470Tax -3,243 -2,462 32% -2,462Net profit 19,333 15,008 29% 15,008EPS (NT$) 2.80 2.21 27% 2.21

1-4Q/2012 Mega Bank P&L statement*

Cost-to-income ratio is 38%

* Un-audited numbers.

24

1-4Q/2012 Mega Bank balance sheet*

NT$MN 2012* 2011 YoY 2011 YTDAssets: Cash and due from banks 461,122 490,415 -6% 490,415 -6% Bills and bonds under RP agreement - - - - - Fin. assets at fair value through P&L 40,774 41,810 -2% 41,810 -2% AFS financial assets 131,162 71,270 84% 71,270 84% HTM financial assets 159,208 130,949 22% 130,949 22% Other financial assets 17,062 17,770 -4% 17,770 -4% A/R, net 102,351 81,767 25% 81,767 25% Loan, net 1,504,898 1,462,450 3% 1,462,450 3% Equity method LT investments, net 2,572 2,493 3% 2,493 3% Land, premises and equipments, net 15,525 14,177 10% 14,177 10% Others (net) 11,273 8,986 25% 8,986 25%Total assets 2,445,947 2,322,087 5% 2,322,087 5%Liabilities Due to banks 398,633 436,723 -9% 436,723 -9% Deposits 1,702,444 1,580,708 8% 1,580,708 8% CP & Bond payable 43,900 42,600 3% 42,600 3% Bills & bonds sold under repurchase agreement 17,364 7,339 137% 7,339 137% Other liabilities 102,291 91,678 12% 91,678 12%Total liabilities 2,264,632 2,159,048 5% 2,159,048 5% Capital stock (common stock) 71,000 68,000 4% 68,000 4% Capital surplus 37,261 33,070 13% 33,070 13% Retain earning 69,237 59,260 17% 59,260 17% Equity adjustment items 3,817 2,706 41% 2,706 41%Total stockholders' equity 181,315 163,036 11% 163,036 11%Total liabilities and stockholders' equity 2,445,947 2,322,087 5% 2,322,087 5%Book value per share (NT$) 25.54 23.98 7% 23.98 7%

* Un-audited numbers.

25

Agenda

Operation Highlights11

22

Appendix

Financial Performance

33

26

Assets

Mega Securities

Chung Kuo

Insurance(P&C)

Mega Bank

Mega Bills

Mega Int’l Investment Trust

100% 100% 100% 100% 100%

Mega Financial Holding Co. (TAIEX.2886)

Mega AMC

100%

Mega Life InsuranceAgency

100%

2,723 2,446 37 218 15 0.9 11 0.3 0.7

215 181 14 33 5 0.8 2.9 0.2 0.7

21.5 19.3 0.08 2.9 0.19 0.10 0.6 0.16 0.01

194 108 46 9 27 1 1 1 1

40 33 4 0 3 0 0 0 0

1-4Q/2012*NT$ Billion

Mega Venture Capital

100%

Well established size and scale

* Un-audited numbers ** Overseas offices include rep. offices. and branches

DomesticOffices

After-tax earning

Equity

Mega FHC

OverseasOffices**

27

Most internationalized local bank.

Sydney

Brisbane

Melbourne

LabuanSingapore

ChonburiBangkok

Ho Chi Minh City

Manila

Bahrain*

Paris

AmsterdamLondon

Los Angeles

Vancouver

Richmond

Panama

Colon

Silicon Valley Chicago New York

Toronto -Chinatown

Toronto

Osaka

Tokyo

Taiwan (OBU)

* Bahrain, Kuala Lumpur, Mumbai and Abu Dhabi are rep. offices** Pending approval for bank branch / rep. office

Ha Noi**

Mega Bank’s Overseas Franchise

Bangna

Mumbai*

Suzhou

Ban Pong

Abu Dhabi*HK

Phnom Penh

• Plan to apply Hai Duong branch in Vietnam and Yangon branch in Myanmar soon, pending approval from regulators.

Kuala Lumpur*