Fubon Financial Holding Co Ltd

1. Introduction of Fubon Financial Holding (2881.tw) Year 2011

2. Highlight of Fubon Financial History and track record Earning drivers Capitalization 2

3. Highlight of Fubon Financial Top 1 ranked in EPS, ROE and top 2 ranked in assets among major Top performer across financial holding companies in Taiwan Taiwan financial subsectors Leading position across banking, securities, life and insurance business Experienced team with strong commitment to deliver growth Consistent growth Growth through successful acquisition with disciplined track record First mover in China: investment in Xiamen Bank with management Aspiration in Greater China involvement Capture opportunities in insurance, securities, and asset management Well-capitalized position in face of new capital regime Solid capitalization & Commitment to stable cash dividend on back of diversified source of stable dividend profitability Dedicated investor relations team to serve investment community Commitment to transparency Best practice of corporate governance in board and management team 3

5. 50 years of commitment in Taiwan financial market Fubon Group is established along with the trend of liberalization in Taiwan financial industry The first listed financial holding company in Taiwan in 2001 Taiwan’s second largest financial holding company in total assets and market capitalization 2001 Fubon Financial 100% 100% 100% 100% 100% 1961 1988 1992 1992 1993 Fubon Insurance Fubon Securities Fubon Asset Fubon Bank Management 富邦人壽 Fubon Life 100% 100% 2002 2009 Taipei Bank Antai Life 100% 2008 2003 19.9% Xiamen Bank Fubon Bank (HK) 5

6. Expansion through M&As 2002 2004 2008 2009 • US$2.4bn (1.7x P/B) • US$415mm (1.15x P/B) • US$33mm (1.2x P/B) • US$600mm (0.71x P/B) • Acquired 100% of TaipeiBank • Acquired 75% of International • Acquired 19.99% of Xiamen • Acquired 100% ING Life in 2002 through a share swap Bank of Asia in 2004 City Commercial Bank in 2008 Insurance (Taiwan) (“Antai Life”) in 2009 • First ever merger in Taiwan • First and only Taiwan FHC to • First and only Taiwan FHC to between private and operate a Hong Kong-based own a stake in a Chinese bank • Became the 2nd largest government owned institutions bank life insurer in Taiwan • Added strong distribution • Privatization in June 2011 network of 74 branches in Greater Taipei 6

7. Leading position across financial services business Top 5 Private Banks by Loan Top 5 Life Insurers by First Year Premium Market Share Market Share 4.8% 28.40% 4.6% 4.4% 3.5% 20.80% 3.0% 8.70% 7.70% 3.80% Chinatrust Fubon Cathay SinoPac E.Sun Cathay Fubon China Life Shin Kong Mercuries Top 5 Securities Firm by Trading Value Top 5 P&C Insurers by Direct Written Premium Market Share Market Share 10.83% 22% 7.71% 6.04% 12% 4.90% 10% 4.05% 9% 7% Yuanta KGI Fubon SinoPac Polaris Fubon Cathay Shin Kong MSIG Tokio Marine NEWA Source: Financial Supervisory Commission, Taiwan Insurance Institute, As of June 2011 7

8. Net income & Assets breakdown by subsidiaries Total assets=NT$3,495.4billions Net income as of June, 2011 =NT$17,418m (30 June, 2011) NT$bn Securities NT$m Fubon HK Others P&C 56 122 70 547 2% Securities 3% 1% 2% 1,493 9% TPFB TPFB 1,467 5,818 P&C 47% 33% 1,907 11% Life Life 7,531 1,527 43% 49% 8

9. Consistent growth and profitability ROAA Assets comparison with listed FHCs (NT$bn) Cathay 4,780 Fubon Average Financial crisis / Fubon 3,492 Global downturn Consumer 0.85% finance crisis Taishin 2,474 0.78% Mega 2,336 0.64% Shin Kong 2,096 0.61% 0.58% 0.58% First 2,035 0.48% Chinatrust 1,876 Hua Nan 1,855 SinoPac 1,239 0.18% E.Sun 1,106 Yuanta 654 -0.01% China 2006 2007 2008 2009 2010 341 Development Jih Sun 246 -0.23% Waterland 213 *China Development & Water land FHCs are not included. Source: TEJ, as of 2011/03/31 9

10. Top ranked profitability among financial holdings in Taiwan EPS comparison with listed FHCs (NT$) RoE comparison with listed FHCs (%) Fubon 1.20 Fubon 18.6 Waterland 0.62 Waterland 17.9 Chinatrust 0.47 Chinatrust 11.9 Mega 0.42 Taishin 10.2 Taishin 0.40 E.Sun 10.1 E.Sun 0.37 Yuanta 9.8 Yuanta 0.35 Mega 9.2 Hua Nan 0.31 Hua Nan 8.0 First 0.31 First 7.4 SinoPac 0.21 SinoPac 6.8 Cathay 0.19 Shin Kong 5.8 Shin Kong 0.15 Jih Sun 3.7 Jih Sun 0.10 Cathay 3.5 China China Development 0.05 1.8 Development Source: TEJ, as of 2011/03/31;un-annualized Source: TEJ, as of 2011/03/31; annualized basis 10

11. Integrated FHC model with extensive product offering, distribution network and customer base Unique Business Group Model Promotes Powerful Multi-channel Distribution Enables Efficiency Cross-selling Bank Life P&C Securities Corp & Inv. ~15,000 sales 60 securities Banking 147 branches1 agents ~1,155 agents service Financial centers Insurance 282 agency Markets 1,325 ATMs offices 645 Wealth 40 75 agency 1,131 brokers Consumer Investment offices Management Management bancassurance Finance advisors partners Wealth Management e-Platform: Fubon.com, Fubon e01 online brokerage, 518fb online P&C policy application/payment system Extensive Customer Base of 11.5 million, cover 50% of Taiwan population NT$m 11.50 1.1 3.50 3.40 Antai Life customers 1.38 0.90 3.40 Deposits Brokerage Credit cards Life P&C Overlap Fubon FHC Note: 1 Includes 125 branches of Taipei Fubon Bank and 22 branches of Fubon Bank (Hong Kong) 11

13. Experienced management team and focus on corporate governance Daniel Tsai Richard Tsai Chairman and CEO, Fubon Financial Vice Chairman, Fubon Financial • 30 years of industry experience • 30 years of industry experience • Graduate School of Law, • Graduate School of Finance, New Georgetown University York University Financial Holding Company Corp. & Inv. Bank Life Insurance Victor Kung Jerry Harn Oliver Cheng President, Fubon Financial President, Taipei Fubon Bank President, Fubon Life • 30 years of industry • 22 years of industry • 38 years of industry experience experience experience • Joined Fubon in 2000 • Joined Fubon in 2005 • Joined Fubon in 1973 • MBA Finance, Stern • MBA, Ohio State University • BA of Law, National School, New York Taiwan University University Consumer Finance Wealth Management P&C Insurance Thomas Liang Benny Chen Tsan-Ming Shih President, Fubon Bank HK Senior Executive Vice President, Chairman, Fubon Insurance Fubon Financial • 40 years of industry • 18 years of industry experience • 26 years of industry experience experience • Joined Fubon in 2005 • Joined Fubon in 2010 • Joined Fubon in 1971 • Master, Case Western Reserve University • MBA, Southern Illinois University • Dept of Law, Soochow University • Seasoned senior management team with an average of more than 20 years of experience in the financial services industry • Best practice corporate governance standards with one third (4 out of 12) of board of directors being independent directors 13

14. Earning drivers Taipei Fubon Bank Fubon Insurance (P&C) Fubon Life Fubon Securities Greater China 14

15. Asset growth outperformed industry Corporate loan growth (5-year CAGR) Total loan growth (5 year CAGR) 8.27% 9.79% 4.28% 4.77% Fubon Industry average Fubon Industry average Mortgage growth (5 year CAGR) Deposit growth (5 year CAGR) 8.37% 6.42% 5.49% 4.43% Fubon Industry average Fubon Industry average Source: TEJ, as of 2011/05/31 15

16. Growth along with asset quality improvement Corporate loan NPL and coverage (%) Mortgage NPL ratio (%) NPL ratio (LHS) Coverage ratio (RHS) 1.3% 240% 0.60% 201.2% 0.48% 1.1% 1.0% 200% 0.40% 0.9% 160% 0.7% 120% 0.20% 0.10% 0.5% 0.42% 80% 63.6% 0.3% 40% 0.00% Dec-09 Dec-10 Jun-09 Sep-09 Mar-10 Jun-10 Sep-10 Mar-11 Jun-11 Jun-09' Dec-09' Jun-10' Dec-10' Jun-11' 16

18. General Insurance: Premium growth along with Taiwan economy Taiwan GDP growth vs P&C industry premium growth (%) 12 Taiwan GDP Growth Industry premium growth 7.6 Consumer 6.15 credit crisis 5.6 5.7 4.64 4.8 4.16 3.92 3.3 3.5 3.34 3.75 0.06 -1.3 -2.17 -3.71 -4.05 -4.35 -5.94 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 18

19. Fubon Insurance: Excellence in underwriting results Fubon’s Net Combined Ratio Gross written premium (NT$ m) 23,939 23,130 23,096 22,412 91.50% 13,085 90.29% 86.61% 84.88% 83.90% 2007 2008 2009 2010 1H 2011 Net Profits (NT$ m) 2,676 2,012 2,045 1,907 1,371 2007 2008 2009 2010 2011 1H 2007 2008 2009 2010 1H 2011 Source: Taiwan Insurance Institute, company data 19

21. Life industry: under a competitive environment Insurance density: Premium per capita Insurance Penetration: Premium to GDP U.S. World World Netherlands U.S. Belgium Italy Italy Netherlands Switzerland Norway Portugal Taiwan Namibia Belgium Sweden Sweden Denmark Hong Kong Ireland France South Korea Japan France Luxembourg Finland Ireland Japan Finland Hong Kong Denmark U.K. Switzerland South Africa U.K. Taiwan (US$) 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 (%) 0 2 4 6 8 10 12 14 16 21

22. Life insurance: Polarization in Taiwan life industry FYP market share (%) FYP growth yoy (%) 2010 Net profits (NT mn) Cathay 28% Cathay 26% -6,516 Cathay Fubon 27% Fubon 51% Fubon 8,620 Shin Kong 7% Shin Kong 22% Shin Kong 393 China Life 6% China Life 11% China Life 3,363 Allianz 5% -15% Allianz Allianz 168 Taiwan Coop 4% Taiwan Coop Taiwan Coop -238 BNP 4% BNP 40% BNP 194 Bank of Taiwan 3% Bank of Taiwan 17% Bank of Taiwan 326 Nan Shan 3% Nan Shan 40% -8,414 Nan Shan Farglory 3% Farglory 1% Farglory 1,521 Source: Taiwan Insurance Institute, As of Dec 2010 22

23. Strong momentum in Fubon Life fueled by merger with ING Antai Life Market share of Fubon Life FYP Total Premium (NT$ bn) Recurring premium First year premium Before M&A After M&A 4,382 3,252 19.0% 4.0% 3,102 14.8% Antai 26.7% 2,057 3.9% 22.2% 1,497 15.0% 1,012 10.9% 1,281 817 1,195 1,280 195 216 2007 2008 2009 2010 2007 2008 2009 2010 Source: Taiwan Insurance Institute, company data 23

25. Fubon Securities: Diversified sources of earnings Revenue Breakdown, 2006-2011 1H Business ranking, 2011 1H Market Business Sector Ranking Share Brokerage Spot Trading 6.04% 3 Margin Loan 6.34% 5 Underwriting IPO 11.40% 2 SPO 5.5% 4 * Market share of underwriting business is counted as volume Sources: TEJ, Audited financial statements Sources: Taiwan Stock Exchange Corporation, Gre Tai Securities Market As of June 2011 25

27. Leading platform for expansion in the greater China region Competitive Advantages Beijing • First and only Taiwanese FHC to own a Hong Kong bank • First and only Taiwanese FHC to own a minority stake in a Chinese bank – Xiamen Bank – Management control (entitled to nominate President and appoint CFO and Chief Risk Officer) – Task forces established to develop businesses, operating systems, and infrastructure upgrade Shanghai – Distinctly ahead of peers in China with access to retail banking and RMB Nanjing business • Primary beneficiary of West Strait Economic Zone Primary beneficiary – Pilot area for preferential treatment for Taiwanese investments superseding regulations applicable to foreign investors under WTO framework of West Strait Economic Zone – Existing presence and relationship in Fujian – Potential for market entry fast track across business segments Xiamen • Opportunity to replicate Fubon business model to the Greater China region Taiwan Hong Kong Beijing • Banking: 22 branches • P&C: Rep office since Feb 2001 Dongguan • Securities: 2 securities service centers • Life: Rep office since Jan 2003 • Asset management JV with Founder Hong Kong Xiamen Securities, plan to open in July 2011 Banking • Banking: 32 branches • Leasing JV with CITIC AMC P&C insurance • P&C subsidiary open in Oct 2010 Fuzhou • Securities: Rep office since May 2009 • Banking: 1 branch Life insurance Dongguan Quanzhou Securities • Banking: Rep office since Dec 2009 • Banking: 1 branch Shanghai Asset Management Chongqing • P&C: Rep office since Jan 2003 • Banking: 1 branch Leasing • Securities: Rep office since Nov 2005 27

28. Update of China investment plan Founder Fubon Asset Management set up in July2011 Beijing Focus on products offering and performance Nanjing Life JV with Zijin Holdings submitted to CIRC Chongqing Bank 35 bank branches cover Xiamen, Fuzhou, Quanzhou, and Chongging. Branch network expansion to Tianjin, Xiamen Zhangzhou, Nanchang in 2011-2012 Capital injection of RMB$116m in Xiamen Bank in 2H11 Hong Kong P&C New branch expansion continues into Fuzhou, Xiamen Bank branch set up Privatization of FBHK Quanzhou, Chongqing, and Dalian in 2011-2012 in May 2011 completion in June 2011 As of 1H11, direct written premium RMB18m, of which 54% is from retail lines. 28

30. Consistent strong capital position & asset quality Taipei Fubon Bank CAR NPL and coverage ratio Unit: % Tier1 Tier2 Unit: % 12.99 12.83 11.96 12.00 NPL ratio Coverage ratio 11.22 2.24 3.81 2.84 3.7 0.90 0.79 260.60 300.00 1.76 0.80 250.00 0.70 198 0.60 0.53 200.00 0.50 9.72 112 150.00 9.46 9.18 9.16 9.13 0.40 0.32 0.30 75 0.23 100.00 0.20 50.00 0.10 0.00 0.00 2008 2009 2010 Dec-10 Average Average 2011 1H of Domestic 2008 2009 2010 2011 1H Banks Fubon FHC CAR vs. selected peers NPL ratio vs. selected peers Unit: % Unit: % 0.60 148 145 Industry average = 138 % Industry average = 0.48 % 129 0.38 0.38 0.38 0.37 0.37 123 123 119 118 117 0.23 Fubon E.Sun Mega Taishin Chinatrust Cathay Shin Kong SinoPac First Fubon SinoPac Chinatrust Shin Kong Yuanta Cathay Source: Company disclosure, Financial Supervisory Commission , as of 2011/06/30, FHC CAR number as of 2010/12/31 30

31. Solid capital position across subsidiaries Capital position is well above statutory and internal requirement level Basel III implication is of limited impact based on current assessment Statutory Internal Year 2011 1H requirement guideline CAR of FHC 144.2% ≥ 100% ≥ 105% Double leverage of FHC 109.8% ≤ 120% ≤ 120% Debt to equity 17.3% ≤ 30% ≤ 30% TFB - Tier one 9.13% ≥ 6% ≥ 8% TFB - CAR 12.83% ≥ 8% ≥ 9% Fubon Securities 466.5% ≥ 150% ≥ 200% Fubon Life 200%~300% ≥ 200% ≥ 225% Fubon P&C >300% ≥ 200% ≥ 250% Fubon Bank HK - CAR 16.9% ≥ 8% ≥ 12% Source: Company disclosure, unaudited financial statements, as of 2011/06/30 31

32. Commitment to cash dividend Target a stable to growing cash dividend onward Year Net profit (NT$ m) EPS (NT$) Cash Dividend (NT$) Stock Dividend 2002 9,415 1.3 1.2 - 2003 14,044 1.9 1.6 - 2004 15,008 2.0 1.7 - 2005 10,641 1.4 1.2 - 2006 8,400 1.1 1.0 - 2007 14,432 1.9 1.5 - 2008 10,875 1.4 - - 2009 19,938 2.5 2.0 0.5 2010 19,905 2.3 1.0 0.5 32

33. Thank you For more information, please contact Investors Relations in Fubon Financial: Amanda Wang Amanda.ch.wang@fubon.com tel:+886 2 66366636 extension 57402 Christine Chi Christine.chi@fubon.com tel:+886 2 66366636 extension 57405 Mandy Chao mandy.chao@fubon.com tel:+886 2 66366636 extension 57406 Company website: http://www.fubon.com 33

34. Introduction of Fubon Financial Holding (2881.tw) Year 2011

36. Highlight of Fubon Financial Top 1 ranked in EPS, ROE and top 2 ranked in assets among major Top performer across financial holding companies in Taiwan Taiwan financial subsectors Leading position across banking, securities, life and insurance business Experienced team with strong commitment to deliver growth Consistent growth Growth through successful acquisition with disciplined track record First mover in China: investment in Xiamen Bank with management Aspiration in Greater China involvement Capture opportunities in insurance, securities, and asset management Well-capitalized position in face of new capital regime Solid capitalization & Commitment to stable cash dividend on back of diversified source of stable dividend profitability Dedicated investor relations team to serve investment community Commitment to transparency Best practice of corporate governance in board and management team 3

38. 50 years of commitment in Taiwan financial market Fubon Group is established along with the trend of liberalization in Taiwan financial industry The first listed financial holding company in Taiwan in 2001 Taiwan’s second largest financial holding company in total assets and market capitalization 2001 Fubon Financial 100% 100% 100% 100% 100% 1961 1988 1992 1992 1993 Fubon Insurance Fubon Securities Fubon Asset Fubon Bank Management 富邦人壽 Fubon Life 100% 100% 2002 2009 Taipei Bank Antai Life 100% 2008 2003 19.9% Xiamen Bank Fubon Bank (HK) 5

39. Expansion through M&As 2002 2004 2008 2009 • US$2.4bn (1.7x P/B) • US$415mm (1.15x P/B) • US$33mm (1.2x P/B) • US$600mm (0.71x P/B) • Acquired 100% of TaipeiBank • Acquired 75% of International • Acquired 19.99% of Xiamen • Acquired 100% ING Life in 2002 through a share swap Bank of Asia in 2004 City Commercial Bank in 2008 Insurance (Taiwan) (“Antai Life”) in 2009 • First ever merger in Taiwan • First and only Taiwan FHC to • First and only Taiwan FHC to between private and operate a Hong Kong-based own a stake in a Chinese bank • Became the 2nd largest government owned institutions bank life insurer in Taiwan • Added strong distribution • Privatization in June 2011 network of 74 branches in Greater Taipei 6

40. Leading position across financial services business Top 5 Private Banks by Loan Top 5 Life Insurers by First Year Premium Market Share Market Share 4.8% 28.40% 4.6% 4.4% 3.5% 20.80% 3.0% 8.70% 7.70% 3.80% Chinatrust Fubon Cathay SinoPac E.Sun Cathay Fubon China Life Shin Kong Mercuries Top 5 Securities Firm by Trading Value Top 5 P&C Insurers by Direct Written Premium Market Share Market Share 10.83% 22% 7.71% 6.04% 12% 4.90% 10% 4.05% 9% 7% Yuanta KGI Fubon SinoPac Polaris Fubon Cathay Shin Kong MSIG Tokio Marine NEWA Source: Financial Supervisory Commission, Taiwan Insurance Institute, As of June 2011 7

41. Net income & Assets breakdown by subsidiaries Total assets=NT$3,495.4billions Net income as of June, 2011 =NT$17,418m (30 June, 2011) NT$bn Securities NT$m Fubon HK Others P&C 56 122 70 547 2% Securities 3% 1% 2% 1,493 9% TPFB TPFB 1,467 5,818 P&C 47% 33% 1,907 11% Life Life 7,531 1,527 43% 49% 8

42. Consistent growth and profitability ROAA Assets comparison with listed FHCs (NT$bn) Cathay 4,780 Fubon Average Financial crisis / Fubon 3,492 Global downturn Consumer 0.85% finance crisis Taishin 2,474 0.78% Mega 2,336 0.64% Shin Kong 2,096 0.61% 0.58% 0.58% First 2,035 0.48% Chinatrust 1,876 Hua Nan 1,855 SinoPac 1,239 0.18% E.Sun 1,106 Yuanta 654 -0.01% China 2006 2007 2008 2009 2010 341 Development Jih Sun 246 -0.23% Waterland 213 *China Development & Water land FHCs are not included. Source: TEJ, as of 2011/03/31 9

43. Top ranked profitability among financial holdings in Taiwan EPS comparison with listed FHCs (NT$) RoE comparison with listed FHCs (%) Fubon 1.20 Fubon 18.6 Waterland 0.62 Waterland 17.9 Chinatrust 0.47 Chinatrust 11.9 Mega 0.42 Taishin 10.2 Taishin 0.40 E.Sun 10.1 E.Sun 0.37 Yuanta 9.8 Yuanta 0.35 Mega 9.2 Hua Nan 0.31 Hua Nan 8.0 First 0.31 First 7.4 SinoPac 0.21 SinoPac 6.8 Cathay 0.19 Shin Kong 5.8 Shin Kong 0.15 Jih Sun 3.7 Jih Sun 0.10 Cathay 3.5 China China Development 0.05 1.8 Development Source: TEJ, as of 2011/03/31;un-annualized Source: TEJ, as of 2011/03/31; annualized basis 10

44. Integrated FHC model with extensive product offering, distribution network and customer base Unique Business Group Model Promotes Powerful Multi-channel Distribution Enables Efficiency Cross-selling Bank Life P&C Securities Corp & Inv. ~15,000 sales 60 securities Banking 147 branches1 agents ~1,155 agents service Financial centers Insurance 282 agency Markets 1,325 ATMs offices 645 Wealth 40 75 agency 1,131 brokers Consumer Investment offices Management Management bancassurance Finance advisors partners Wealth Management e-Platform: Fubon.com, Fubon e01 online brokerage, 518fb online P&C policy application/payment system Extensive Customer Base of 11.5 million, cover 50% of Taiwan population NT$m 11.50 1.1 3.50 3.40 Antai Life customers 1.38 0.90 3.40 Deposits Brokerage Credit cards Life P&C Overlap Fubon FHC Note: 1 Includes 125 branches of Taipei Fubon Bank and 22 branches of Fubon Bank (Hong Kong) 11

46. Experienced management team and focus on corporate governance Daniel Tsai Richard Tsai Chairman and CEO, Fubon Financial Vice Chairman, Fubon Financial • 30 years of industry experience • 30 years of industry experience • Graduate School of Law, • Graduate School of Finance, New Georgetown University York University Financial Holding Company Corp. & Inv. Bank Life Insurance Victor Kung Jerry Harn Oliver Cheng President, Fubon Financial President, Taipei Fubon Bank President, Fubon Life • 30 years of industry • 22 years of industry • 38 years of industry experience experience experience • Joined Fubon in 2000 • Joined Fubon in 2005 • Joined Fubon in 1973 • MBA Finance, Stern • MBA, Ohio State University • BA of Law, National School, New York Taiwan University University Consumer Finance Wealth Management P&C Insurance Thomas Liang Benny Chen Tsan-Ming Shih President, Fubon Bank HK Senior Executive Vice President, Chairman, Fubon Insurance Fubon Financial • 40 years of industry • 18 years of industry experience • 26 years of industry experience experience • Joined Fubon in 2005 • Joined Fubon in 2010 • Joined Fubon in 1971 • Master, Case Western Reserve University • MBA, Southern Illinois University • Dept of Law, Soochow University • Seasoned senior management team with an average of more than 20 years of experience in the financial services industry • Best practice corporate governance standards with one third (4 out of 12) of board of directors being independent directors 13

48. Asset growth outperformed industry Corporate loan growth (5-year CAGR) Total loan growth (5 year CAGR) 8.27% 9.79% 4.28% 4.77% Fubon Industry average Fubon Industry average Mortgage growth (5 year CAGR) Deposit growth (5 year CAGR) 8.37% 6.42% 5.49% 4.43% Fubon Industry average Fubon Industry average Source: TEJ, as of 2011/05/31 15

49. Growth along with asset quality improvement Corporate loan NPL and coverage (%) Mortgage NPL ratio (%) NPL ratio (LHS) Coverage ratio (RHS) 1.3% 240% 0.60% 201.2% 0.48% 1.1% 1.0% 200% 0.40% 0.9% 160% 0.7% 120% 0.20% 0.10% 0.5% 0.42% 80% 63.6% 0.3% 40% 0.00% Dec-09 Dec-10 Jun-09 Sep-09 Mar-10 Jun-10 Sep-10 Mar-11 Jun-11 Jun-09' Dec-09' Jun-10' Dec-10' Jun-11' 16

51. General Insurance: Premium growth along with Taiwan economy Taiwan GDP growth vs P&C industry premium growth (%) 12 Taiwan GDP Growth Industry premium growth 7.6 Consumer 6.15 credit crisis 5.6 5.7 4.64 4.8 4.16 3.92 3.3 3.5 3.34 3.75 0.06 -1.3 -2.17 -3.71 -4.05 -4.35 -5.94 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 18

52. Fubon Insurance: Excellence in underwriting results Fubon’s Net Combined Ratio Gross written premium (NT$ m) 23,939 23,130 23,096 22,412 91.50% 13,085 90.29% 86.61% 84.88% 83.90% 2007 2008 2009 2010 1H 2011 Net Profits (NT$ m) 2,676 2,012 2,045 1,907 1,371 2007 2008 2009 2010 2011 1H 2007 2008 2009 2010 1H 2011 Source: Taiwan Insurance Institute, company data 19

54. Life industry: under a competitive environment Insurance density: Premium per capita Insurance Penetration: Premium to GDP U.S. World World Netherlands U.S. Belgium Italy Italy Netherlands Switzerland Norway Portugal Taiwan Namibia Belgium Sweden Sweden Denmark Hong Kong Ireland France South Korea Japan France Luxembourg Finland Ireland Japan Finland Hong Kong Denmark U.K. Switzerland South Africa U.K. Taiwan (US$) 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 (%) 0 2 4 6 8 10 12 14 16 21

55. Life insurance: Polarization in Taiwan life industry FYP market share (%) FYP growth yoy (%) 2010 Net profits (NT mn) Cathay 28% Cathay 26% -6,516 Cathay Fubon 27% Fubon 51% Fubon 8,620 Shin Kong 7% Shin Kong 22% Shin Kong 393 China Life 6% China Life 11% China Life 3,363 Allianz 5% -15% Allianz Allianz 168 Taiwan Coop 4% Taiwan Coop Taiwan Coop -238 BNP 4% BNP 40% BNP 194 Bank of Taiwan 3% Bank of Taiwan 17% Bank of Taiwan 326 Nan Shan 3% Nan Shan 40% -8,414 Nan Shan Farglory 3% Farglory 1% Farglory 1,521 Source: Taiwan Insurance Institute, As of Dec 2010 22

56. Strong momentum in Fubon Life fueled by merger with ING Antai Life Market share of Fubon Life FYP Total Premium (NT$ bn) Recurring premium First year premium Before M&A After M&A 4,382 3,252 19.0% 4.0% 3,102 14.8% Antai 26.7% 2,057 3.9% 22.2% 1,497 15.0% 1,012 10.9% 1,281 817 1,195 1,280 195 216 2007 2008 2009 2010 2007 2008 2009 2010 Source: Taiwan Insurance Institute, company data 23

58. Fubon Securities: Diversified sources of earnings Revenue Breakdown, 2006-2011 1H Business ranking, 2011 1H Market Business Sector Ranking Share Brokerage Spot Trading 6.04% 3 Margin Loan 6.34% 5 Underwriting IPO 11.40% 2 SPO 5.5% 4 * Market share of underwriting business is counted as volume Sources: TEJ, Audited financial statements Sources: Taiwan Stock Exchange Corporation, Gre Tai Securities Market As of June 2011 25

60. Leading platform for expansion in the greater China region Competitive Advantages Beijing • First and only Taiwanese FHC to own a Hong Kong bank • First and only Taiwanese FHC to own a minority stake in a Chinese bank – Xiamen Bank – Management control (entitled to nominate President and appoint CFO and Chief Risk Officer) – Task forces established to develop businesses, operating systems, and infrastructure upgrade Shanghai – Distinctly ahead of peers in China with access to retail banking and RMB Nanjing business • Primary beneficiary of West Strait Economic Zone Primary beneficiary – Pilot area for preferential treatment for Taiwanese investments superseding regulations applicable to foreign investors under WTO framework of West Strait Economic Zone – Existing presence and relationship in Fujian – Potential for market entry fast track across business segments Xiamen • Opportunity to replicate Fubon business model to the Greater China region Taiwan Hong Kong Beijing • Banking: 22 branches • P&C: Rep office since Feb 2001 Dongguan • Securities: 2 securities service centers • Life: Rep office since Jan 2003 • Asset management JV with Founder Hong Kong Xiamen Securities, plan to open in July 2011 Banking • Banking: 32 branches • Leasing JV with CITIC AMC P&C insurance • P&C subsidiary open in Oct 2010 Fuzhou • Securities: Rep office since May 2009 • Banking: 1 branch Life insurance Dongguan Quanzhou Securities • Banking: Rep office since Dec 2009 • Banking: 1 branch Shanghai Asset Management Chongqing • P&C: Rep office since Jan 2003 • Banking: 1 branch Leasing • Securities: Rep office since Nov 2005 27

61. Update of China investment plan Founder Fubon Asset Management set up in July2011 Beijing Focus on products offering and performance Nanjing Life JV with Zijin Holdings submitted to CIRC Chongqing Bank 35 bank branches cover Xiamen, Fuzhou, Quanzhou, and Chongging. Branch network expansion to Tianjin, Xiamen Zhangzhou, Nanchang in 2011-2012 Capital injection of RMB$116m in Xiamen Bank in 2H11 Hong Kong P&C New branch expansion continues into Fuzhou, Xiamen Bank branch set up Privatization of FBHK Quanzhou, Chongqing, and Dalian in 2011-2012 in May 2011 completion in June 2011 As of 1H11, direct written premium RMB18m, of which 54% is from retail lines. 28

63. Consistent strong capital position & asset quality Taipei Fubon Bank CAR NPL and coverage ratio Unit: % Tier1 Tier2 Unit: % 12.99 12.83 11.96 12.00 NPL ratio Coverage ratio 11.22 2.24 3.81 2.84 3.7 0.90 0.79 260.60 300.00 1.76 0.80 250.00 0.70 198 0.60 0.53 200.00 0.50 9.72 112 150.00 9.46 9.18 9.16 9.13 0.40 0.32 0.30 75 0.23 100.00 0.20 50.00 0.10 0.00 0.00 2008 2009 2010 Dec-10 Average Average 2011 1H of Domestic 2008 2009 2010 2011 1H Banks Fubon FHC CAR vs. selected peers NPL ratio vs. selected peers Unit: % Unit: % 0.60 148 145 Industry average = 138 % Industry average = 0.48 % 129 0.38 0.38 0.38 0.37 0.37 123 123 119 118 117 0.23 Fubon E.Sun Mega Taishin Chinatrust Cathay Shin Kong SinoPac First Fubon SinoPac Chinatrust Shin Kong Yuanta Cathay Source: Company disclosure, Financial Supervisory Commission , as of 2011/06/30, FHC CAR number as of 2010/12/31 30

64. Solid capital position across subsidiaries Capital position is well above statutory and internal requirement level Basel III implication is of limited impact based on current assessment Statutory Internal Year 2011 1H requirement guideline CAR of FHC 144.2% ≥ 100% ≥ 105% Double leverage of FHC 109.8% ≤ 120% ≤ 120% Debt to equity 17.3% ≤ 30% ≤ 30% TFB - Tier one 9.13% ≥ 6% ≥ 8% TFB - CAR 12.83% ≥ 8% ≥ 9% Fubon Securities 466.5% ≥ 150% ≥ 200% Fubon Life 200%~300% ≥ 200% ≥ 225% Fubon P&C >300% ≥ 200% ≥ 250% Fubon Bank HK - CAR 16.9% ≥ 8% ≥ 12% Source: Company disclosure, unaudited financial statements, as of 2011/06/30 31

65. Commitment to cash dividend Target a stable to growing cash dividend onward Year Net profit (NT$ m) EPS (NT$) Cash Dividend (NT$) Stock Dividend 2002 9,415 1.3 1.2 - 2003 14,044 1.9 1.6 - 2004 15,008 2.0 1.7 - 2005 10,641 1.4 1.2 - 2006 8,400 1.1 1.0 - 2007 14,432 1.9 1.5 - 2008 10,875 1.4 - - 2009 19,938 2.5 2.0 0.5 2010 19,905 2.3 1.0 0.5 32

66. Thank you For more information, please contact Investors Relations in Fubon Financial: Amanda Wang Amanda.ch.wang@fubon.com tel:+886 2 66366636 extension 57402 Christine Chi Christine.chi@fubon.com tel:+886 2 66366636 extension 57405 Mandy Chao mandy.chao@fubon.com tel:+886 2 66366636 extension 57406 Company website: http://www.fubon.com 33

Fubon Financial Holding Co Ltd

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