Chang Hwa Commercial Bank, Ltd. (TPE:2801)

Chang Hwa Commercial Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	77,534	76,464	64,843	41,612	27,492	29,816
Interest Paid on Deposits	52,668	53,499	42,610	16,967	7,026	10,676
Net Interest Income	24,866	22,965	22,233	24,645	20,466	19,140
Net Interest Income Growth (YoY)	12.12%	3.29%	-9.79%	20.42%	6.93%	-16.23%
Gain (Loss) on Sale of Investments	11,002	10,643	10,282	3,381	2,721	2,867
Other Non-Interest Income	7,731	8,212	6,055	6,113	5,499	5,310
Total Non-Interest Income	18,733	18,855	16,337	9,493	8,220	8,177
Non-Interest Income Growth (YoY)	7.48%	15.41%	72.09%	15.49%	0.53%	-11.40%
Revenues Before Loan Losses	43,600	41,820	38,570	34,139	28,686	27,317
Provision for Loan Losses	2,658	3,051	3,241	3,319	1,794	2,836
Revenue	40,942	38,769	35,329	30,819	26,892	24,481
Revenue Growth (YoY)	12.85%	9.74%	14.63%	14.60%	9.85%	-18.24%
Salaries and Employee Benefits	13,613	13,116	12,265	11,721	11,409	10,808
Occupancy Expenses	1,682	1,619	1,650	1,571	1,420	1,403
Selling, General & Administrative	5,742	5,680	5,177	4,476	3,943	3,960
Total Non-Interest Expense	21,037	20,415	19,092	17,769	16,772	16,170
EBT Excluding Unusual Items	19,905	18,354	16,237	13,051	10,120	8,311
Pretax Income	19,905	18,354	16,237	13,051	10,120	8,311
Income Tax Expense	3,275	3,408	3,254	2,080	1,317	1,270
Net Income	16,631	14,945	12,982	10,971	8,804	7,041
Net Income to Common	16,631	14,945	12,982	10,971	8,804	7,041
Net Income Growth	23.96%	15.12%	18.33%	24.62%	25.04%	-39.15%
Basic Shares Outstanding	11,766	11,766	11,766	11,766	11,766	11,766
Diluted Shares Outstanding	11,837	11,835	11,826	11,817	11,806	11,801
Shares Change (YoY)	0.08%	0.07%	0.08%	0.10%	0.04%	-0.07%
EPS (Basic)	1.41	1.27	1.10	0.93	0.75	0.60
EPS (Diluted)	1.41	1.27	1.10	0.93	0.75	0.60
EPS Growth	23.96%	15.66%	17.50%	24.73%	25.11%	-39.03%
Dividend Per Share	0.476	0.476	0.508	0.495	0.446	0.318
Dividend Growth	-6.19%	-6.19%	2.50%	11.11%	40.29%	-6.39%
Effective Tax Rate	16.45%	18.57%	20.04%	15.93%	13.01%	15.28%

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