Chang Hwa Commercial Bank Income Statement

Financials in millions TWD. Fiscal year is January - December.

Millions TWD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	77,957	76,464	64,843	41,612	27,492
Interest Paid on Deposits	50,851	53,499	42,610	16,967	7,026
Net Interest Income	27,106	22,965	22,233	24,645	20,466
Net Interest Income Growth (YoY)	18.04%	3.29%	-9.79%	20.42%	6.93%
Gain (Loss) on Sale of Investments	9,602	10,643	10,282	3,381	2,721
Other Non-Interest Income	8,527	8,212	6,055	6,113	5,499
Total Non-Interest Income	18,129	18,855	16,337	9,493	8,220
Non-Interest Income Growth (YoY)	-3.85%	15.41%	72.09%	15.49%	0.53%
Revenues Before Loan Losses	45,235	41,820	38,570	34,139	28,686
Provision for Loan Losses	2,866	3,051	3,241	3,319	1,794
Revenue	42,369	38,769	35,329	30,819	26,892
Revenue Growth (YoY)	9.29%	9.74%	14.63%	14.60%	9.85%
Salaries and Employee Benefits	13,658	13,116	12,265	11,721	11,409
Occupancy Expenses	1,748	1,619	1,650	1,571	1,420
Selling, General & Administrative	5,922	5,680	5,177	4,476	3,943
Total Non-Interest Expense	21,327	20,415	19,092	17,769	16,772
EBT Excluding Unusual Items	21,042	18,354	16,237	13,051	10,120
Asset Writedown	74.98	-	-	-	-
Pretax Income	21,117	18,354	16,237	13,051	10,120
Income Tax Expense	3,342	3,408	3,254	2,080	1,317
Net Income	17,775	14,945	12,982	10,971	8,804
Net Income to Common	17,775	14,945	12,982	10,971	8,804
Net Income Growth	18.93%	15.12%	18.33%	24.62%	25.04%
Basic Shares Outstanding	11,771	11,766	11,766	11,766	11,766
Diluted Shares Outstanding	11,850	11,835	11,826	11,817	11,806
Shares Change (YoY)	0.13%	0.07%	0.08%	0.10%	0.04%
EPS (Basic)	1.51	1.27	1.10	0.93	0.75
EPS (Diluted)	1.50	1.27	1.10	0.93	0.75
EPS Growth	18.42%	15.66%	17.50%	24.73%	25.11%
Dividend Per Share	-	0.476	0.508	0.495	0.446
Dividend Growth	-	-6.19%	2.50%	11.11%	40.29%
Effective Tax Rate	15.83%	18.57%	20.04%	15.93%	13.01%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.