Yuanta Financial Holding (2885) investor relations material

Executive summary

• Achieved strong consolidated net income of NT$36,572 million for 1H26, up 125% year-over-year, with EPS rising 117% to NT$2.64 and ROE annualized at 20.2% for the period.

• All major subsidiaries posted significant profit growth, especially Yuanta Securities (up 156% YoY), Yuanta Bank (up 45% YoY), and Yuanta Life (up 1527% YoY).

• Maintained robust capital adequacy across all business lines, supporting future growth and risk management.

Financial highlights

• Total assets increased 33% YoY to NT$5,150,931 million; shareholders' equity rose 24% YoY to NT$382,969 million.

• Consolidated net interest income grew 30% YoY, net fee income surged 189% YoY, and total operating income rose 85% YoY.

• Operating expenses increased 79% YoY, while provision for bad debt rose 141% YoY.

• Yuanta Securities net income reached NT$24,528 million (up 156% YoY), Yuanta Bank NT$7,692 million (up 45% YoY), and Yuanta Life NT$2,441 million (up 1527% YoY).

Outlook and guidance

• ROE target set at 9–11% for 2026–2030, with a balanced dividend policy aiming for 50–60% cash payout and 10% legal reserve.

• Continued focus on ESG, sustainability, and board diversity, with over 30% female representation and 40% independent directors.