CTBC Financial Holding Co., Ltd. (2891) Earnings Call Transcripts

CTBC Financial Holding Co., Ltd.'s Latest Earnings Call - Q1 FY2026

In Q1 2026, CTBC Financial Holding Co., Ltd. reported a record after-tax net profit of TWD 23.1 billion, up 16% year-over-year, with earnings per share (EPS) of TWD 1.18. Revenue increased by 13% year-over-year, driven by strong performance in both banking and insurance segments. Management highlighted a robust loan growth of 10% year-over-year and a significant increase in wealth management fee income, which rose by 28% year-over-year. The company declared a cash dividend of TWD 2.5 per share, reflecting a payout ratio of 61.3%. Guidance for future growth remains optimistic, particularly in overseas markets, with expectations for continued double-digit loan growth.

Reported metrics

Guidance from management

Management maintains an optimistic outlook for continued double-digit loan growth and strong performance in wealth management, particularly in overseas markets. They expect to capitalize on geopolitical changes and supply chain restructuring opportunities.

What management said

Let me first answer questions about the interest rate sensitivity analysis. So as I said, 25 bps increase and NII increases by TWD 1.1 billion in a year. This already considers the CASA sensitivity. As for insurance, Mr. Yeh will answer the questions.

The number reflects the cost of CASA. So the reflection is it's a complete reflection of the impact. So if CASA is not as fully reflected as interest hikes, then we will benefit more even.

What analysts pressed on

Analysts expressed concerns regarding the sustainability of loan growth amidst tightening deposit supply and competition for capital. There were also questions about the potential impact of interest rate changes on NIM and overall profitability moving forward.

Main topics on the call

• Record Profit and EPS — CTBC reported a record after-tax net profit of TWD 23.1 billion and EPS of TWD 1.18, reflecting a 16% increase year-over-year. Rachael Kao stated, "Overall, CTBC Holding has maintained sound fundamentals, while growth mo...
• Strong Banking Performance — CTBC Bank's after-tax net profit reached TWD 16.6 billion, up 23% year-over-year, attributed to solid loan growth and expanding net interest margin (NIM). The bank's NIM increased to 1.68%, up 20 basis points year-over-y...
• Wealth Management Growth — Wealth management fee income grew by 28% year-over-year, driven by strong sales in investment-linked policies and mutual funds. Management noted, "We are already #1 on the market, but investment-linked policies, mutual f...
• Overseas Business Expansion — Overseas pretax profit increased by 12% year-over-year, now accounting for 35% of overall profit. Rachael Kao highlighted, "The Y-o-Y growth is 53%, benefiting from geopolitics and industrial supply chain restructuring."

Read the full CTBC Financial Holding Co., Ltd. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 26 CTBC Financial Holding Co., Ltd. earnings call transcripts on record, spanning March 12, 2020 to August 18, 2026. Based on this history, CTBC Financial Holding Co., Ltd. reports quarterly. The most recent call on file is dated August 18, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

2891

Exchange

TWSE

Country

TW

Sector

Financials

Industry

Banks

Calls on record

26

First call

March 12, 2020

Most recent

August 18, 2026

Reporting cadence

quarterly