Taiwan · Delayed Price · Currency is TWD First Financial Holding Earnings Call Transcripts
Fiscal Year 2026
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Q1 2025 net income rose 2.7% year-over-year to TWD 7.2 billion, with strong wealth management and FX swap gains. Loan growth guidance was revised down to 4%-5%, while fee income and credit cost outlook remain robust. Dividend payout and capital ratios support continued shareholder returns.
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Record H1 2024 profit growth driven by strong mortgage and fee income, with net income up 4.3% YoY. Full-year loan growth is projected at 5%-5.5%, fee income at 30% YoY, and NIM impact from Fed cuts expected to be minimal, though swap gains may contract 20%-30% in 2025.
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Net income rose 9.4% year-on-year to TWD 20.8 billion for the first nine months of 2024, with strong fee and wealth management growth. 2025 guidance targets 5.5–6% loan growth, stable NIM, and prudent credit cost and dividend policy.
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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.