Taiwan Cooperative Financial Holding (5880) Q3 2025 earnings summary

Executive summary

• Consolidated net profit after tax for 9M 2025 was NT$16.24bn, up 0.09% year-over-year, with total assets at NT$5,408bn and EPS after tax at NT$1.03.

• Total comprehensive income rose to $25.24 billion from $24.04 billion.

• Annualized ROE was 8.11% and ROA was 0.41% for the period.

• The group maintained strong capital adequacy and liquidity positions, with a consolidated capital adequacy ratio above regulatory minimums.

• Core subsidiary TCB contributed NT$16.04bn in net profit after tax, up 3.07% year-over-year, driven by higher net interest income and improved asset quality.

Financial highlights

• Consolidated net income after tax for 9M 2025 was NT$16.24bn, a 0.09% increase year-over-year.

• Consolidated total assets grew 7.06% year-over-year to NT$5,407.7bn.

• Net interest income for the nine months rose 16% year-over-year to $25.42 billion.

• Net asset value per share rose 2.52% to NT$17.10.

• EPS after tax increased 1.98% to NT$1.03.

Outlook and guidance

• Business volumes, including loans and deposits, are expected to continue steady growth, with a focus on consumer and large enterprise lending.

• Management expects continued stable performance, supported by robust asset quality, diversified revenue streams, and prudent risk management.

• The group is monitoring regulatory changes, climate risk, and global economic conditions for potential impacts.