Mega Financial Holding (2886) Q1 2026 earnings summary

Executive summary

• Net profit reached NT$9.397 billion in 1Q/26, up 17% year-over-year, with stable group profitability and strong subsidiary contributions.

• Bank subsidiary saw single-digit loan growth, with average deposits at NT$3.3 trillion (+4% YoY) and loans at NT$2.5 trillion (+7% YoY).

• Non-bank subsidiaries, including securities, bills, and insurance, delivered robust earnings, with securities net income up 422% YoY.

• Wealth management AUM rose 17% YoY to NT$256.1 billion, and net fee income grew 27% YoY.

• Focus remains on prudent operations, digital innovation, and agile strategies for continued growth.

Financial highlights

• Consolidated net interest income increased 6% YoY; net fee income and trading gains both achieved double-digit growth.

• EPS for 1Q/26 was NT$0.63, up 17% YoY.

• Total assets grew 7% YoY to NT$5.0 trillion; loans rose 7% YoY to NT$2.5 trillion; deposits up 4% YoY to NT$3.2 trillion.

• ROE and ROA annualized at 9.46% and 0.74%, respectively, with a high cash dividend payout ratio of 74%.

Outlook and guidance

• Loan growth for 2026 is targeted to approach double digits, driven by expansion in AI, semiconductors, green energy, and 5G infrastructure.

• Full-year performance is expected to remain strong, supported by steady profit momentum across subsidiaries.