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The Shanghai Commercial & Savings Bank (5876) investor relations material
The Shanghai Commercial & Savings Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income rose 9.52% year-over-year to NTD 5,109mn standalone and 10.73% to NTD 6,523mn consolidated in Q1 2026.
EPS increased 9.38% year-over-year to NTD 1.05.
Pretax ROA and ROE improved to 1.44% and 11.23% respectively, both up from Q1 2025.
Recognized for sustainability, winning multiple awards and maintaining high ESG ratings.
Financial highlights
Net revenue grew 8.64% year-over-year standalone, but declined 0.75% consolidated.
Net interest income up 3.88% standalone, down 4.87% consolidated; net fee income up 11.10% standalone, 13.02% consolidated.
Pretax profit increased 10.74% standalone and 11.19% consolidated year-over-year.
Asset quality: NPL ratio rose to 0.53% from 0.32% year-over-year; coverage ratio declined to 247.32% from 410.99%.
Total assets up 2.91% standalone and 0.24% consolidated year-over-year.
Deposits up 1.55% standalone, down 1.20% consolidated; loans up 2.28% standalone, down 0.85% consolidated.
Outlook and guidance
2026 targets include 15% growth in green investment and green loans, 10% increase in ESG-related lending, and 5% growth in digital transactions.
Plans to maintain high sustainability standards, reduce customer complaints by 12%, and achieve zero regulatory fines.
- Net income fell to NT$5.80 billion, with EPS at NT$1.20 and capital adequacy at 14.34%.5876
Q2 20241 Jun 2026 - Net income fell to NT$11.38B as provisions rose, but asset quality and capital ratios stayed strong.5876
Q3 20241 Jun 2026 - Net income fell 17% to NT$14.4B, with robust capital and low NPL ratio maintained.5876
Q4 20241 Jun 2026 - Q1 2025 net income increased to NT$5.90B, with strong asset quality and stable capital.5876
Q1 20251 Jun 2026 - H1 2025 net income rose to NT$9,057M, with EPS at NT$1.61 and strong capital ratios.5876
Q2 20251 Jun 2026 - Net income increased to NT$14.37 billion, with EPS at NT$2.56 and robust asset quality.5876
Q3 20251 Jun 2026 - Q1 2026 net income climbed to NT$6.52B, with EPS at NT$1.05 and solid asset quality.5876
Q4 20251 Jun 2026
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