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From the Chairman of the Board

From the Chairman of the Board

Mega Holdings' net profit after tax totaled NT$28.955 billion with an EPS of NT$2.13 in 2019 while Mega Bank's net profit after tax was NT$24.645 billion with an EPS of NT$2.89. The results were the highest in the most recent four years. Mega Bills’ net profit after tax was NT$2.625 billion which ranked first among the three major bill financing companies. Mega Securities’ net profit after tax reached NT$1.090 billion and other subsidiaries have attained stable profitability.

Mega Holdings continued to optimize the Group's anti-money laundering sharing platform and related AML regulations and systems in 2019. The Company invested more than NT$1 billion in AML personnel and computer systems to set up and strengthen related compliance operations and fulfill AML/CFT requirements. MICB has actively taken measures for anti-money laundering and countering terrorism financing. As of December 2019, 3,420 employees have obtained the Certified Anti-Money Laundering Specialists (CAMS) certification. Employees who have obtained the certification account for approximately 49% of all Mega Bank's employees, the highest proportion achieved by a domestic bank. Mega Holdings continues to strengthen information security and personal information protection and we value the privacy protection for all customers. Mega Bank and Chung Kuo Insurance continue to purchase information security insurance and continue to obtain certification for the ISO 27001 Information Security Management System.

In addition to executing legal compliance improvement plans, we strive to improve in all business sectors. In 2019, Mega Bank maintained advantages in traditional businesses such as corporate finance and foreign exchange and achieved growth in both revenue and profitability. The Group also focused on consumer banking operations to appeal to a younger customer base. Mega Bank, Mega Securities, and Chung Kuo Insurance continued to use the official website, social media, and fan groups to develop digital marketing and mobile apps. Mega Bank's online card application rate reached 53% and brought new young customers to the Bank. Mega Bank continued to develop FinTech and set up exclusive STMs (smart teller machines) which significantly reduces account opening time. It also created the first online exchange settlement services to provide people with 24-hour online foreign exchange services for 18 foreign currencies. In 2019, Mega Bank applied for 185 patents on digital finance, 137 patents of which have been approved and 42 were awarded invention patents. It has consistently maintained its lead in the domestic finance industry in the number of approved finance patents and patent applications. To respond to the trend in risks exposure, the Group placed the management of emerging risks (including climate change risks) into the "Risk Management Policy and Guidance Principles" of Mega Holdings and subsidiaries. The Group discloses the identification and management of climate change risks and opportunities based on the TCFD framework and officially signed the TCFD in April 2020 to actively respond to the risks and opportunities of companies brought forth by climate change. The Company supports major government policies including nuclear-free homeland, energy transition, and emission reduction. It aims to help renewable energy businesses obtain funding required for operations and help businesses, investors, and consumers pay more attention to renewable energy and sustainability. In July 2019, Mega Bank and Mega Bills included information on whether borrowers have fulfilled responsibilities for environmental protection, their involvement in activities or incidents against the interests of the public, and actions or incidents in violation of human rights into the credit review operating system. Mega Bank cooperates with the government's policy for developing renewable energy technologies. It obtained the approval of the FSC for the issuance of green bonds totaling NT$1 billion in December 2019 and issued the bonds in March 2020.

The Company continues to take measures for energy conservation and carbon emissions reduction and it supports the development of renewable energy. We obtained 146 renewable energy certificates, equivalent to approximately 146,000 kWh of renewable electricity in 2019 and reduced greenhouse gas emissions by approximately 80,000 kg. The Group expanded the scope of ISO 14064-1 greenhouse gas inventory to 139 locations in northern and central Taiwan. The Group's total greenhouse gas emissions in 2019 was reduced by 1.66% from 2018 which met the target for reducing annual carbon emissions by 1%. Mega Bank implements green environmental protection policies and won the Taipei City Energy Conservation Leadership Award in the Group A for Commerce Industry, Private Enterprise and Organization Green Procurement Award, Energy Saving Benchmark Award of the Ministry of Economic Affairs, and received the Outstanding Green Procurement and Green Consumption Organization Award from the Environmental Protection Administration, Executive Yuan in 2019.

In terms of financial inclusion, Mega Holdings seeks to provide friendly financial services to all sectors and groups of the society. As of the end of 2019, Mega Bank has set up a total of 340 accessible ATMs and Chung Kuo Insurance has provided micro insurance to 109,771 people. Mega Bank provides retirement trust services to the elderly or people with disabilities and is entrusted to manage approximately 769 million in retirement trust assets. It also added bilingual branches and the initiative will be expanded to 10 branches in 2020.

In the future, Mega Holdings will continue to implement corporate governance, risk management, and anti-money laundering activities and strive for achieving the UN's Sustainable Development Goals (SDGs) with our business acumen and positive influence in the financial industry.