Chang Hwa Commercial Bank Income Statement

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

Millions TWD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	77,586	76,464	64,843	41,612	27,492	29,816
Interest Paid on Deposits	51,646	53,499	42,610	16,967	7,026	10,676
Net Interest Income	25,940	22,965	22,233	24,645	20,466	19,140
Net Interest Income Growth (YoY)	15.89%	3.29%	-9.79%	20.42%	6.93%	-16.23%
Gain (Loss) on Sale of Investments	9,984	10,643	10,282	3,381	2,721	2,867
Other Non-Interest Income	8,304	8,212	6,055	6,113	5,499	5,310
Total Non-Interest Income	18,288	18,855	16,337	9,493	8,220	8,177
Non-Interest Income Growth (YoY)	-3.18%	15.41%	72.09%	15.49%	0.53%	-11.40%
Revenues Before Loan Losses	44,227	41,820	38,570	34,139	28,686	27,317
Provision for Loan Losses	1,768	3,051	3,241	3,319	1,794	2,836
Revenue	42,459	38,769	35,329	30,819	26,892	24,481
Revenue Growth (YoY)	13.56%	9.74%	14.63%	14.60%	9.85%	-18.24%
Salaries and Employee Benefits	13,632	13,116	12,265	11,721	11,409	10,808
Occupancy Expenses	1,718	1,619	1,650	1,571	1,420	1,403
Selling, General & Administrative	5,816	5,680	5,177	4,476	3,943	3,960
Total Non-Interest Expense	21,166	20,415	19,092	17,769	16,772	16,170
EBT Excluding Unusual Items	21,293	18,354	16,237	13,051	10,120	8,311
Pretax Income	21,293	18,354	16,237	13,051	10,120	8,311
Income Tax Expense	3,446	3,408	3,254	2,080	1,317	1,270
Net Income	17,847	14,945	12,982	10,971	8,804	7,041
Net Income to Common	17,847	14,945	12,982	10,971	8,804	7,041
Net Income Growth	27.53%	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	11,839	11,835	11,826	11,817	11,806	11,801
Shares Change (YoY)	0.10%	0.07%	0.08%	0.10%	0.04%	-0.07%
EPS (Basic)	1.52	1.27	1.10	0.93	0.75	0.60
EPS (Diluted)	1.52	1.27	1.10	0.93	0.75	0.60
EPS Growth	28.68%	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	16.18%	18.57%	20.04%	15.93%	13.01%	15.28%

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