The Shanghai Commercial & Savings Bank (5876) Q4 2025 earnings summary

Executive summary

• Consolidated net income for Q1 2026 was NT$6,523 million, up from NT$5,891 million in Q1 2025, with EPS rising to NT$1.05 from NT$0.96 year-over-year.

• Total assets reached NT$2,489 billion as of March 31, 2026, compared to NT$2,483 billion a year earlier.

• The group’s operations span Taiwan, Hong Kong, and other regions, with segment profit before tax of NT$3,883 million in Taiwan and NT$3,912 million in Hong Kong for Q1 2026.

Financial highlights

• Net interest income for Q1 2026 was NT$9,110 million, down slightly from NT$9,576 million in Q1 2025.

• Non-interest income increased to NT$4,597 million from NT$4,233 million year-over-year.

• Provisions for bad debt and guarantee liabilities decreased to NT$721 million from NT$1,508 million year-over-year.

• Operating expenses were NT$5,186 million, nearly flat year-over-year.

• Return on assets and equity for Q1 2026 were 1.13% and 10.36%, respectively.

Outlook and guidance

• The group continues to monitor the impact of new IFRS standards, including IFRS 17 and IFRS 18, and is assessing their future effects.

• Management expects to maintain strong capital adequacy and asset quality, with ongoing focus on risk management and compliance.