Mega Financial Holding (2886) Q4 2025 earnings summary

Executive summary

• Achieved record net profit of NT$35.038 billion in 2025, up 1% year-over-year, with EPS of NT$2.36 and strong contributions from both bank and non-bank subsidiaries.

• Loan business grew 5% YoY, led by AI, semiconductor, and ICT sectors; syndicated loan business ranked 3rd among peers.

• Wealth management AUM rose 17% YoY to NT$246.2 billion, with net fee income up 17% YoY.

• FX transaction volume reached USD 892.2 billion, up 16% YoY.

• Focus remains on prudent operations, digital innovation, and agile strategies for 2026.

Financial highlights

• Consolidated net profit reached NT$35.038 billion (+1% YoY); consolidated EPS at NT$2.36.

• Net interest income up 2% YoY; net fee income up 2% YoY; trading gain up 2% YoY.

• ROE at 9.28% and ROA at 0.72% for 2025; cash dividend yield at 4.13%.

• Total assets grew 9% YoY to NT$5.11 trillion; deposits up 6% YoY to NT$3.33 trillion.

• NPL ratio improved to 0.19% (down 7bps QoQ); coverage ratio surged to 866.03%.

Outlook and guidance

• 2026 loan growth target set at high single digits, focusing on foreign-currency corporate lending and cross-border financing.

• New non-money-market funds planned for launch in 2026.

• Continued emphasis on digital transformation and efficiency improvements.