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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
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.
- 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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Next Chang Hwa Commercial Bank earnings date
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