Hua Nan Financial Holdings (2880) Q3 2025 earnings summary

Executive summary

• Achieved record high consolidated net profit of NT$19.91bn for 9M25, up 11.5% YoY, with EPS of NT$1.43.

• Annualized ROE reached 11.85% and ROA 0.62% for 9M25.

• Total comprehensive income for the period was NT$24.75bn, compared to NT$26.92bn in the prior year.

• Asset quality remained strong, with NPL ratio at 0.15% and coverage ratio at 835.51% as of Sep 2025.

• Capital structure stable, with consolidated CAR at 128.57% and credit ratings affirmed with stable outlook.

Financial highlights

• Net profit for 9M25 rose 11.5% YoY to NT$19.91bn; EPS NT$1.43.

• Net interest income for the nine months was NT$21.64bn, up from NT$19.45bn YoY.

• HNCB net profit up 14.2% YoY to NT$18.56bn; EPS NT$1.75.

• HNSC net profit down 19.0% YoY to NT$1.35bn due to capital market volatility.

• SCIC net profit up 7.5% YoY to NT$1.27bn; EPS NT$6.34.

Outlook and guidance

• Focus on optimizing loan composition, expanding SME and syndicated loans, and leveraging digital channels for customer engagement.

• Wealth management to accelerate talent cultivation and product innovation.

• Ongoing assessment of macroeconomic factors, IFRS standards, and risk management.

• HNSC to enhance digital marketing and trading platforms, with risk controls amid global macroeconomic shifts.

• SCIC to optimize insurance products, expand digitalization, and accelerate ESG initiatives.