Chang Hwa Commercial Bank Balance Sheet

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
Cash & Equivalents	157,515	78,930	135,031	104,820	194,507	175,455
Investment Securities	864,096	846,809	733,420	701,396	600,099	500,734
Trading Asset Securities	124,133	82,799	73,576	31,486	56,759	14,813
Total Investments	988,229	929,608	806,996	732,882	656,858	515,548
Gross Loans	2,045,018	1,997,077	1,827,988	1,729,111	1,578,658	1,499,157
Allowance for Loan Losses	-27,174	-24,986	-22,346	-22,038	-20,296	-18,948
Net Loans	2,017,843	1,972,091	1,805,642	1,707,074	1,558,362	1,480,208
Property, Plant & Equipment	23,762	23,380	22,986	22,985	22,921	22,428
Other Intangible Assets	958.05	985.19	996.48	1,122	595.64	687.61
Investments in Real Estate	14,021	13,933	13,873	13,846	13,852	13,859
Accrued Interest Receivable	10,020	9,623	7,922	5,859	3,000	3,142
Other Receivables	5,490	5,873	3,848	7,897	10,289	10,576
Restricted Cash	124,951	126,835	90,943	78,093	79,371	76,576
Other Current Assets	7,590	6,943	9,274	6,883	7,895	8,769
Long-Term Deferred Tax Assets	4,722	4,511	3,362	3,391	3,456	3,379
Other Long-Term Assets	22.61	8.49	0.61	1.12	0.75	2,812
Total Assets	3,355,123	3,172,721	2,900,874	2,684,852	2,551,106	2,313,440
Accounts Payable	16,555	2,299	2,246	1,769	3,722	6,022
Accrued Expenses	3,205	3,636	3,143	2,726	2,402	1,988
Interest Bearing Deposits	2,216,084	2,125,489	1,867,982	1,721,285	1,516,027	1,348,737
Non-Interest Bearing Deposits	623,999	623,790	606,642	627,360	650,047	568,388
Total Deposits	2,840,083	2,749,279	2,474,624	2,348,645	2,166,074	1,917,125
Short-Term Borrowings	198,878	128,323	130,524	60,233	103,798	125,897
Current Income Taxes Payable	1,158	1,841	1,796	896.86	318.06	841.44
Accrued Interest Payable	8,999	6,898	6,110	3,206	1,417	1,793
Other Current Liabilities	9,737	15,197	24,999	24,263	29,230	12,434
Long-Term Debt	38,490	40,805	49,164	51,219	51,614	61,674
Long-Term Leases	1,853	1,837	1,783	1,795	1,770	1,344
Long-Term Unearned Revenue	930.54	924.8	855.23	807.42	643.63	622.37
Pension & Post-Retirement Benefits	1,610	1,610	2,210	2,100	3,770	4,209
Long-Term Deferred Tax Liabilities	10,780	11,090	9,874	9,430	8,819	8,302
Other Long-Term Liabilities	7,059	7,583	5,548	8,732	6,077	6,134
Total Liabilities	3,142,638	2,971,324	2,712,876	2,515,824	2,379,654	2,148,386
Common Stock	117,660	112,058	108,583	105,935	104,886	103,847
Additional Paid-In Capital	0.02	0.02	-	-	-	-
Retained Earnings	82,881	79,364	72,359	67,464	61,653	57,353
Comprehensive Income & Other	11,944	9,976	7,056	-4,370	4,914	3,854
Shareholders' Equity	212,486	201,397	187,998	169,028	171,452	165,054
Total Liabilities & Equity	3,355,123	3,172,721	2,900,874	2,684,852	2,551,106	2,313,440
Total Debt	242,522	170,966	181,470	113,247	157,183	188,915
Net Cash (Debt)	53,566	14,371	44,443	23,058	114,731	34,108
Net Cash Growth	-10.13%	-67.66%	92.74%	-79.90%	236.38%	22.96%
Net Cash Per Share	4.52	1.21	3.76	1.95	9.72	2.89
Filing Date Shares Outstanding	11,766	11,766	11,766	11,766	11,766	11,766
Total Common Shares Outstanding	11,766	11,766	11,766	11,766	11,766	11,766
Book Value Per Share	18.06	17.12	15.98	14.37	14.57	14.03
Tangible Book Value	211,528	200,412	187,002	167,906	170,857	164,366
Tangible Book Value Per Share	17.98	17.03	15.89	14.27	14.52	13.97

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