Taiwan · Delayed Price · Currency is TWD First Financial Holding Earnings Call Transcripts
Fiscal Year 2026
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Record first-half profit growth driven by strong fee income and robust mortgage and corporate lending, with net income up 4.3% year-on-year. Outlook remains positive for loan and fee growth, though swap gains are expected to contract in 2025 due to Fed rate cuts.
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Q1 2025 net income rose 2.7% year-on-year to TWD 7.2 billion, with strong bank performance and robust fee and swap gains. Loan growth guidance was revised down to 4%-5%, while fee revenue and adjusted NIM are expected to remain resilient despite market uncertainties.
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Net income rose 9.4% year-on-year to TWD 20.8 billion, with strong fee and wealth management growth. 2025 guidance targets 5.5–6% loan growth, stable NIM, and 8–9% fee income growth, while credit costs and prudent capital management remain priorities.
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Record net profit and robust fee income growth in 2024 were driven by wealth management and treasury gains, while asset quality remained strong. 2025 guidance includes moderate loan growth, lower swap gains, and a stable dividend payout, with overseas expansion as a key focus.