E.SUN Financial Holding Company (2884) Q2 2026 earnings summary

Executive summary

• Achieved record high net profit of NT$21.4 billion in Q2/1H26, with strong growth in banking and securities segments.

• Net fee income grew 39.9% year-over-year, setting a new record.

• EPS was NT$1.32, ROE 15.46%, and ROA up to 0.99% for 1H26.

• Acquisition of Mercuries Life Insurance approved, effective September 1, 2026, making the group Taiwan's fifth-largest FHC by assets.

• Recognized for ESG leadership, sustainability, and innovation with multiple awards.

Financial highlights

• Total assets reached NT$4.87 trillion as of June 30, 2026.

• Net revenue was NT$53.8 billion, up 25% year-over-year.

• Net profit was NT$21.4 billion, up 27.8% year-over-year; EPS at NT$1.32.

• Loan balance reached NT$2.84 trillion, up 16.1% year-over-year; deposit balance up 15%.

• NPL ratio at 0.15%, coverage ratio at 770.8%.

Outlook and guidance

• NIM expected to improve, targeting 1.33% by year-end.

• Loan growth guidance revised to 13%-14% for the year; deposit growth to 12%-14%.

• Wealth management fee income expected to maintain double-digit growth.

• Post-acquisition, the group will have three core profit engines: banking, insurance, and securities.

• Regulatory approval received for E.SUN Bank to adopt the Internal Ratings-Based Approach for capital requirements.