CTBC Financial Holding Co Ltd (TPE:2891C.PFD)

Q3 2025 CTBC Financial Holding Co Ltd Earnings Call Transcript

Nov 17, 2025 / 07:30 AM GMT

Release Date Price: NT$59.9 (+0.17%)

Transcript

Key Points

Positve

CTBC Financial Holding Co Ltd (TPE:2891) reported a record high net profit of $60.8 billion in the first nine months, up 4% year-over-year.
CTBC Bank's net profit increased by 16% year-over-year, reaching $42.1 billion, outperforming peers.
The company's return on equity (ROE) was 17.5%, leading among financial holding peers.
Taiwan Life's business momentum rebounded, with first-year premiums (FYP) increasing by 37% year-over-year.
The company maintained a solid base of deposits and loans, with loans growing by 9% year-over-year.

Negative

Taiwan Life's net profit declined by 16% year-over-year due to higher hedging costs amid US dollar depreciation.
Trading income and other revenues declined by 37% quarter-over-quarter due to lower income from derivatives and swaps.
The cost of liabilities increased due to the high interest rate environment.
Hedging costs rose to 1.58% in the first nine months, primarily due to US dollar depreciation.
The company's cost-income ratio was 50.7% in Q3, indicating room for improvement in operational efficiency.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

2891.TW - CTBC Financial Holding Co Ltd
Q3 2025 CTBC Financial Holding Co Ltd Earnings Call
Nov 17, 2025 / 07:30AM GMT

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Presentation
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Unidentified_1 [1]
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Welcome to CDPC Holding 2025 Q3 earnings call.

Today's meeting will be chaired by Rachel Gao, President of CTBC Holding. Also present are Megan Xu, CFO of CDBC Holding, Boo Hongye, CSO of Taiwan Life, and Justin Shen, head of IR of CDBC Holding.

At the beginning of the meeting, please enter your questions in the web back chat box.

This meeting, we'll provide simultaneous interpreting service, so please enter your questions in the webcast chat box. We will answer the English questions after the Mandarin questions are over. Now, please welcome President Gao for her opening remarks.

Good afternoon, media friends, investors, and analysts.

Thank you for attending CTBC

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