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Chang Hwa Commercial Bank (2801) investor relations material
Chang Hwa Commercial Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income after tax for 6M26 reached NT$11.31 bn, up 23.93% year-over-year, with EPS at NT$0.94 and ROE at 5.03%.
Loans grew 7.17% YoY to NT$2,141 bn, with overseas loans surging 26.30% YoY.
Deposits increased 6.39% YoY to NT$2,756 bn, driven by NTD deposits (+8.95% YoY).
Asset quality remained strong with an NPL ratio of 0.15% and coverage ratio at 901.58%.
Financial highlights
Net revenue for 6M26 was NT$25.83 bn, up 14.62% YoY; net income before tax rose 19.41% YoY.
Net fee income grew 35.45% YoY, mainly from wealth management (78.42% of fee income).
Cost-income ratio improved to 43.46% from 46.18% YoY.
Total comprehensive income soared 201.08% YoY to NT$18.79 bn.
Outlook and guidance
Focus on driving sustainability, digitalization, and robust profitability through capital vitality.
Dual-wing strategy to expand trade, SME finance, and wealth management.
- 6M24 net income up 6.19% YoY, with strong asset growth and robust capital position.2801
Q2 2024 - Net income after tax up 9.89% YoY to NT$11.25bn, EPS NT$1.00, assets at NT$3.17tn.2801
Q3 2024 - Net income up 15.12% YoY to NT$14.95bn, with strong asset growth and robust capital ratios.2801
Q4 2024 - Q1 2025 net income up 7.92% YoY, driven by robust loan growth and strong asset quality.2801
Q1 2025 - Net income surged 22.64% YoY to NT$9.13 billion, with strong asset quality and capital adequacy.2801
Q2 2025 - Net income rose 25.8% YoY to NT$14.15bn, driven by loan growth and strong asset quality.2801
Q3 2025 - Net income rose 18.93% YoY to NT$17.78 billion, with assets at NT$3,377 billion and strong capital ratios.2801
Q4 2025 - Net income and EPS increased, driven by strong loan growth and robust capital.2801
Q1 2026
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