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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	80,041	77,957	76,464	64,843	41,612	27,492
Interest Paid on Deposits	50,678	50,851	53,499	42,610	16,967	7,026
Net Interest Income	29,363	27,106	22,965	22,233	24,645	20,466
Net Interest Income Growth	18.08%	18.04%	3.29%	-9.79%	20.42%	6.93%
Gain (Loss) on Sale of Investments	8,601	9,602	10,643	10,282	3,381	2,721
Other Non-Interest Income	10,641	8,602	8,212	6,055	6,113	5,499
Total Non-Interest Income	19,242	18,204	18,855	16,337	9,493	8,220
Non-Interest Income Growth	2.72%	-3.45%	15.41%	72.09%	15.49%	0.53%
Revenues Before Loan Losses	48,605	45,310	41,820	38,570	34,139	28,686
Provision for Loan Losses	3,211	2,866	3,051	3,241	3,319	1,794
Revenue	45,394	42,444	38,769	35,329	30,819	26,892
Revenue Growth	10.87%	9.48%	9.74%	14.63%	14.60%	9.85%
Salaries and Employee Benefits	14,213	13,658	13,116	12,265	11,721	11,409
Occupancy Expenses	1,798	1,748	1,619	1,650	1,571	1,420
Selling, General & Administrative	6,133	5,922	5,680	5,177	4,476	3,943
Total Non-Interest Expense	22,145	21,327	20,415	19,092	17,769	16,772
EBT Excluding Unusual Items	23,249	21,117	18,354	16,237	13,051	10,120
Pretax Income	23,249	21,117	18,354	16,237	13,051	10,120
Income Tax Expense	3,289	3,342	3,408	3,254	2,080	1,317
Net Income	19,960	17,775	14,945	12,982	10,971	8,804
Net Income to Common	19,960	17,775	14,945	12,982	10,971	8,804
Net Income Growth	20.02%	18.93%	15.12%	18.33%	24.62%	25.04%
Basic Shares Outstanding	12,060	12,060	12,060	12,060	12,060	12,060
Diluted Shares Outstanding	12,130	12,129	12,127	12,122	12,113	12,101
Shares Change	0.01%	0.02%	0.04%	0.08%	0.10%	0.04%
EPS (Basic)	1.66	1.47	1.24	1.08	0.91	0.73
EPS (Diluted)	1.64	1.46	1.23	1.07	0.91	0.73
EPS Growth	20.42%	19.04%	15.05%	17.51%	24.71%	25.12%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	0.780	0.780	0.488	0.495	0.483	0.435
Dividend Growth	60.00%	60.00%	-1.49%	2.50%	11.08%	40.29%
Effective Tax Rate	14.14%	15.83%	18.57%	20.04%	15.93%	13.01%