Chang Hwa Commercial Bank (2801) Q2 2026 earnings summary

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.