The Shanghai Commercial & Savings Bank (5876) Q2 2025 earnings summary

Executive summary

• Consolidated financial statements for the six months ended June 30, 2025, were audited and present a fair view in accordance with Taiwan regulations and IFRS.

• The core business remains loan granting, with significant focus on credit risk and allowance for credit losses.

• Segment reporting highlights operations in Taiwan and Hong Kong, with both regions contributing significantly to net revenue and profit before tax.

Financial highlights

• Total assets as of June 30, 2025, were NT$2,363,102 million, down from NT$2,496,063 million at year-end 2024.

• Net interest income for H1 2025 was NT$18,486 million, nearly flat year-over-year.

• Consolidated net income for H1 2025 was NT$9,057 million, up from NT$6,031 million in H1 2024.

• Earnings per share for H1 2025 were NT$1.61, compared to NT$1.20 in H1 2024.

• Return on equity after tax for H1 2025 was 6.28%, up from 4.86% in H1 2024.

Outlook and guidance

• The bank continues to monitor the impact of new IFRS standards and regulatory changes, with no significant changes to accounting policies expected.

• Management expects to maintain capital adequacy above regulatory minimums and continue prudent risk management.