Chang Hwa Commercial Bank
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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.
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Q2 2026 earnings summary25 Aug, 2026

Executive summary

  • H1 2026 net income reached NT$11.314bn, up 23.93% YoY; basic EPS was NT$0.94.

  • Loans grew 7.17% YoY to NT$2,141bn, with overseas loans up 26.30%.

  • Asset quality remained strong, with an NPL ratio of 0.15% and coverage of 901.58%.

Financial highlights

  • H1 net revenue and gains were NT$25.829bn versus NT$22.534bn; pre-tax income was NT$13.113bn versus NT$10.981bn.

  • H1 net interest income rose to NT$15.222bn from NT$12.965bn; net service fee income was NT$5.006bn versus NT$3.696bn.

  • Net fee income grew 35.45% YoY, with wealth management contributing 78.42% of fee income.

  • Cost-income ratio improved to 43.46% from 46.18%.

Segment performance

  • Overseas loans represented 10.07% of total loans; Europe and America led growth.

  • Overseas and OBU operations contributed 24.2% of H1 PPOP.

  • NTD loans were 83.33% of total loans; FX loans grew 21.03% YoY.

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