Entie Commercial Bank · TWSE:2849
Entie Commercial Bank — FY2025 Earnings Presentation
14 slides from Entie Commercial Bank's earnings presentation, Mar 19, 2026
Slide 1: 2025 Investor Conference
2025 Investor Conference Vivian Chen, CFO March 19, 2026
Slide 2: Notice
Notice Certain information contained herein constitutes “forward-looking statements”, which can be identified by the use of forward-looking terminology such as “may”, “will”, “should”, “expect”, “anticipate”, “project”, “estimate”, “intend”, “continue”, or “believe” or variations thereon or comparab
Slide 3: 2025 Executive Summary
2025 Executive Summary ◆ Delivered strong 2025 results with NT$1.54bn Net Income (YoY+16%); Net Income, ROA, and ROE hit 4-year highs. ◆ Robust NII growth (Q3: +11%; Q4: +21% YoY) driven by successful loan portfolio optimization. ◆ NFI grew 12% YoY to NT$1.56bn; key drivers included strong momentum
Slide 4: Snapshot of EnTie
Snapshot of EnTie Company Overview Key Financial Data and Ratios (NT$ million) 2024 2025 ❖ EnTie is one of the 16 “new” private banks Statements of Comprehensive Income established in the wave of liberalization of Taiwan’s banking industry in early 1990’s Net Interest Income 3,146 3,066 Net Fee Inco
Slide 5: Propelling Quality Assets & Earnings
Propelling Quality Assets & Earnings Gross Loans & Assets Deposits & LDR Net Revenue NT$m NT$m NT$m LDR +9% 253,469 +4% 232,741 72.81% 75.03% 5,764 +6% 5,544 1,009 +13% 1,143 2024.12.31 2025.12.31 319,636 337,838 Gross Loans 1,389 +12% 1,555 +7% 388,247 242,253 249,889 363,916 3,146 -3% 3,066 77,383
Slide 6: Optimized Revenue Mix
Optimized Revenue Mix Net Revenue Net Fee Income NT$ bn NT$ bn 5.54 5.76 1.55 1.39 1.01 1.14 0.18 0.16 1.39 1.55 0.46 0.34 0.50 0.44 3.14 3.07 0.39 0.47 2024 2025 2024 2025 NII NFI Other Loan Trust Insurance Other As % of Net Revenue: As % of Fee Income: 18% 20% 12% 12% 25% 27% 24% 29% 57% 53% 36% 2
Slide 7: Balanced Loan Composition
Balanced Loan Composition Driving sustainable loan growth through the strategic balanced synergy of Corporate and Retail Banking Corporate Loan : 50% Retail Loans : 50% NT$ bn NT$ bn NT$127.6bn NT$125.9bn 127.6 125.9 113.7 0.1 0% 119.0 0.3 0% 0.2 0% 6.0 5% 6.7 6% 19.6 15% 0% 16.4 14% 0.3 12.9 9% 39.
Slide 8: Robust Funding & Liquidity
Robust Funding & Liquidity Deposit Balance Split Deposits Evolution NT$bn 319.6 337.8 47% 47% 54.0 16% 50.3 16% 203.1 64% 208.8 62% 53% 53% 66.2 20% 75.0 22% 2024.12.31 2025.12.31 2024.12.31 2025.12.31 Corporate Retail NTD Demand NTD Time Foreign Liquid Reserves Ratio LCR 160.5% 133.2% 27.6% 26.2% 1
Slide 9: Resilient Investment Portfolio
Resilient Investment Portfolio Conservative and transparent portfolio: Primarily liquid money and high-quality fixed income products Investment Portfolio (2025/12/31) Items NT$m Stock Gov't Bonds 9% REITs 1% CBC NCD 1% 2025/12/31 23% Corporate bonds Government bonds 10,053 Commercial Papers 22% 22%
Slide 10: Strengthened Asset Quality
Strengthened Asset Quality Driving asset quality through disciplined underwriting to mitigate NPLs and boost recoveries NPL and NPL Ratios LLR and Coverage NT$m；% NT$m；% 6,000 5,000 0.91% 1.25% 8,000 911.46% 2000.00% 0.75% 7,000 144.30% 1000.00% 4,000 0.17% 6,000 0.00% 3,000 2,129 0.25% 5,000 4,000
Slide 11: Solid Capital Foundation
Solid Capital Foundation Robust and high-quality capital provides a resilient cushion for long-term expansion . The Bank will drive profitability to ensure sustainable and organic capital self-generation CAR Ratio Tier 1 & CET 1 Ratio ％ ％ 16.30% 16.96% 16.42% 15.88% 1.17% 1.16% 1.18% 1.18% 14.70% 14
Slide 12: 2025 Honors & Awards
2025 Honors & Awards Total 9 awards are recognized in 2025, focusing on Wealth Management, Financial Inclusion, and ESG ◆ 榮獲財訊財富管理大獎「最佳財富增值獎」 ◆ 榮獲財訊財富管理大獎「最佳創意行銷獎」 ◆ 榮獲今周刊財富管理評鑑「最佳銀色友善獎」 ◆ 榮獲台灣服務產業交流協會「金融友善最佳客服中心」 ◆ 榮獲亞太永續博覽會「亞太永續會展獎金級」及「永續導覽卓越獎」 ◆ 榮獲台北101公益垂直馬拉松首屆「公益企業組冠軍」 ◆ 榮獲中華民國老人福利推動聯盟首屆樂齡金安獎徵件
Slide 13: Excellence in Wealth Management
Excellence in Wealth Management Awarded ‘Best Wealth Appreciation’ and ‘Best Creative Marketing’ at 2025 Wealth Magazine Wealth Management Awards. 13
Slide 14: Distinguished ESG Recognition
Distinguished ESG Recognition Innovative “Finance x Education” synergy demonstrated by EnTie Bank successfully, and awarded by “Gold Award & Excellence ESG Guiding Award”. 14