Union Bank Of Taiwan · TWSE:2838
Union Bank Of Taiwan — Q4 2025 Earnings Presentation
20 slides from Union Bank Of Taiwan's earnings presentation, Feb 26, 2026
Slide 1: Union Bank of Taiwan Financial Results of 4Q25
Union Bank of Taiwan Financial Results of 4Q25 February 26th, 2026 1
Slide 2: Disclaimer
DISCLAIMER This presentation is provided by Union Bank of Taiwan (”UBOT”).The information contained within is not audited or reviewed by any accountant or any independent third party. Users should read this material in conjunction with all other public financial and operational information filed t
Slide 3: Financial Highlights of 2025
Financial Highlights of 2025 Steady growth of business Net income after tax increased 15.34% YoY to NT$6,024 million in 2025, Net revenue was NT$20,282 million (YoY 2.29%). EPS was 1.27 in 2025, compare with 1.16 in 2024 , increased 9.48% YoY. Net interest income was increased 16.84 %. (YoY)
Slide 4: Solid Growth in Assets and Equity
Solid Growth in Assets and Equity The bank's total assets and shareholders’equity have both recorded steady growth for five consecutive years, primarily driven by the continued expansion of corporate banking, consumer banking, and wealth management. NT$ mn Total Assets Equity 2021 841,589 65,135 202
Slide 5: Revenue and profit- Consolidated
Revenue and profit- Consolidated NT$ mn, % Items 2025 2024 Diff. %* Net interest income 9,672 8,278 +16.84% Net fee income 4,124 3,905 +5.61% Net other income 6,486 7,644 - 15.15% Net revenue 20,282 19,827 +2.29% Net Income Before Tax 7,188 6,167 +16.56% Net Income After Tax 6,024 5,223 +15.34% EPS
Slide 6: Net Revenue Breakdown- Consolidated
Net Revenue Breakdown- Consolidated NT$ mn NT$ mn, % 16,689 15,985 17,935 19,827 20,282 20,282 19,827 17.65% 29.80% 34.97% 31.98% 38.56% 20.78% 18.30% 18.46% 20.33% 19.69% 61.57% 51.90% 46.57% 47.69% 41.75% 2024 2025 2021 2022 2023 2024 2025 NII% Fee Income% Other Income% 2024 2025 2025 are un-aud
Slide 7: Financial Performance- Consolidated
Financial Performance- Consolidated NT$ mn Net Revenue 19,827 20,282 17,935 16,689 15,985 2021 2022 2023 2024 2025 Net Income After Tax NT$ mn EPS NT$ dollar 1.27 1.11 1.16 6,024 0.95 5,223 0.81 4,463 4,321 3,542 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 2025 are un-audited numbers 7
Slide 8: Operating revenue analysis- Standalone
Operating revenue analysis- Standalone NT$ mn,% 34.43% 34.85% 36.71% 35.24% 17.24% 18.59% 11.62% 11.32% Corporate Consumer Business, Business, 17.24% 34.43% Corporate Business Consumer Business Trust & Ｗealth Investment & Mgmt. Others Corporate Business 4Q25 4Q24 Investment & Others, Consumer 4Q25 4
Slide 9: Business Performance
Business Performance NT$ mn, % 201 欄 Items 2025.12 2024.12 9.6 Diff.Amt Diff. % 1 3 Total deposits (avg. bal.) 832,482 805,560 26,922 3.34% Demand deposits 369,379 351,553 17,826 5.07% Time deposits 363,060 347,128 15,932 4.59% Foreign exchange 100,043 106,879 (6,836) (6.40%) deposits Total Loans (a
Slide 10: Deposits analysis
Deposits analysis Total deposits（avg. bal.） YoY Comparison TWD$832.5billion NT$ bn Foreign exchange 369.4 363.1 deposits, 12.01% 351.6 347.1 Time deposits, 43.62% Demand deposits, 44.37% 100.0 106.9 Demand deposits Time deposits Foreign exchange Preliminary figures of 2025 deposits 2025 2024 10
Slide 11: Deposits balance steady growth
Deposits balance steady growth Demand Deposits Time Deposits YOY +1.96% YOY 424,490 432,830 NT$ mn + 4.16% 393,496 360,144 402,227 312,838 386,153 364,410 354,939 338,914 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Total Deposits YOY Date End of End of End of End of End of 2021 2022 2023 2024
Slide 12: Loans analysis
Loans analysis Total Loans YoY Comparison TWD$625.8 billion NT$ bn Large Corporate, Government, 461.8 444.5 3.0% 0.0% SME, 23.2% 145.0 136.7 Individual, 19.0 16.8 - 5.0 73.8% Government Large SME Individual Corporate Preliminary figures of 2025 2025 2024 12
Slide 13: Loans balance steady growth
Loans balance steady growth Corporate Loans Consumer Loans NT$ mn 371,447 379,808 350,199 317,712 285,910 262,222 236,826 215,967 200,212 166,659 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Government Loans is excluded from Corporate Loans. Preliminary figures of 2025 13
Slide 14: Business Performance (Cards)
Business Performance Cards, NT$ Mn,% Items 2025 2024 Diff. Amt Diff. % Operating income 6,148 5,534 614 11.10% Undue installment balance 8,601 5,330 3,271 61.37% Revolving banlance 6,592 6,403 189 2.95% Acquiring sales volume 158,409 141,811 16,598 11.70% Issuing sales volume 178,950 191,471 (12,521
Slide 15: Credit Card Business Breakdown
Credit Card Business Breakdown Active Cards Thousand Card,% Cards Consumption NT$ mn 4.78% 2,000 4.80% 4.08% 3.61% 200,000 4.70% 4.58% 4.09% 4.70% 1,868 1,849 191,946 3.87% 1,776 1,500 4.30% 172,072 179,372 150,000 3.85% 3.27% 3.22% 4.20% 1,300 1,378 1,000 3.80% 113,066 100,000 102,223 3.70% 500 3.3
Slide 16: NIM and Spread- Standalone
NIM and Spread- Standalone 2.84% 2.90% 2.70% 1.33% 2.11% 1.29% 1.28% 1.86% 1.24% 1.52% 1.50% 1.21% 1.45% 1.43% 1.33% 1.41% 1.40% 1.25% 0.53% 0.59% 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Overall Lending Rate Overall Deposit Rate NIM Interest Spread 2025 are un-audited numbers 16
Slide 17: Assets Quality
Assets Quality NPL NPL Ratio NT$ mn,% 0.29% 2000 0.27% 1800 0.24% 1,840 1600 0.22% 1400 1,562 1200 1,293 1,337 1000 800 0.10% 600 400 499 200 0 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 2025 are un-audited numbers 17
Slide 18: Assets Quality (Conti.)
Assets Quality (Conti.) NT$ mn, ％ 8,000 7,553 1200.00% 1081.30% 7,180 7,500 6,874 7,000 6,224 1000.00% 6,500 968.74% 910.46% 935.20% 6,000 5,396 855.48% 5,500 800.00% 5,000 776.24% 4,500 4,000 537.01% 600.00% 481.40% 3,500 439.98% 410.41% 3,000 400.00% 2,500 2,000 1,500 200.00% 1,000 500 0 0.00% 202
Slide 19: Risk Weighted Assets
Capital Adequacy NT$ thousand Risk Weighted Assets 2021 2022 2023 2024 2025 Risk Weighted Assets 407,195,710 444,044,885 497,090,004 529,430,480 561,047,860 Common share 45,523,219 44,397,652 50,089,913 56,775,204 65,392,536 Other tier 1 capital 12,552,479 13,000,000 13,000,000 13,000,000 13,000,000
Slide 20: Capital Adequacy Ratio
Capital Adequacy Ratio 16.08% 14.95% 15.26% 15.35% 14.73% 1.82% 2.08% 1.38% 2.02% 2.04% 3.08% 2.31% 2.93% 2.46% 2.61% 11.18% 10.72% 11.66% 10.00% 10.08% 2021 2022 2023 2024 2025 CET1 Ratio Other Tier 1 Ratio Tier 2 Ratio Preliminary figures of 2025 BIS of Union Bank standalone. 20