Entie Commercial Bank · TWSE:2849
Entie Commercial Bank — Q1 2025 Earnings Presentation
14 slides from Entie Commercial Bank's earnings presentation, May 26, 2025
Slide 1: 1Q25 Investor Conference
1Q25 Investor Conference Vivian Chen, CFO May 26, 2025
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: Snapshot of EnTie
Snapshot of EnTie Company Overview Key Financial Data and Ratios (NT$ million) 2023 2024 1Q25 ❖ 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 3,377.52 3,145.63 7
Slide 4: 2025 Vision, Business Objectives and Strategies
2025 Vision, Business Objectives and Strategies Vision To be a respectable bank committed to embracing and leading changes 3~5-year development strategy: Optimize asset portfolio, build stable growth foundation, and achieve profitability higher than the industry average Optimizing asset Expanding po
Slide 5: 1Q25 Performance Summary
1Q25 Performance Summary ◆ By the growth of NFI and transaction-related income, net income in 1Q25 increased MoM and YoY, and business momentum continued to improve. ◆ Bad debt expenses continued to decline, pre-tax income increased significantly compared to 4Q24 and 1Q24, and profits continued to i
Slide 6: Key Ratios
Key Ratios Changes in Loan Balance China Exposure / Net Worth Net Fee Income NT$bn % NT$m；% YoY +6.9% YoY -5.6% QoQ +3.1% 28.10% QoQ +0.2% 239.9 22.46% QoQ +12.4% 395 22.27% 232.7 351 224.5 339 1Q24 4Q24 1Q25 1Q24 4Q24 1Q25 1Q24 4Q24 1Q25 MTM gain/loss on OCI assets NIM BVPS NT$m % NT$dollars YoY +3
Slide 7: Revenue Composition
Revenue Composition Net Revenue Net Fee Income NT$ bn NT$ bn 1.34 1.33 1.37 0.40 0.35 0.21 0.19 0.25 0.34 0.06 0.03 0.34 0.35 0.06 0.40 0.09 0.12 0.09 0.12 0.10 0.79 0.79 0.13 0.72 0.11 0.12 0.06 1Q24 4Q24 1Q25 1Q24 4Q24 1Q25 NII NFI Other Loan Trust Insurance Other As % of Net Revenue: As % of Fee
Slide 8: Balanced Loan Composition
Balanced Loan Composition Optimized risk and return in pursuit of a balanced portfolio Corporate Loan : 50% Retail Loans : 50% NT$ bn NT$ bn NT$119.4bn NT$120.5bn 119.4 120.5 113.7 119.0 108.1 0% 113.0 0.0 0% 0% 0.2 0.0 0% 0.2 0% 0.2 6% 0.3 0% 6.7 6% 6.9 0.3 0% 5.5 5% 17.8 0.1 0% 16.4 14% 15% 14.4 1
Slide 9: Stable Customer Deposits and Adequate liquidity
Stable Customer Deposits and Adequate liquidity Deposit Balance Split Deposits Evolution % NT$bn 319.6 330.0 297.2 51% 47% 47% 50.3 16% 55.1 17% 53.6 18% 175.6 59% 203.1 64% 210.3 64% 49% 53% 53% 68.0 23% 66.2 20% 64.6 19% 2023.12.31 2024.12.31 2025.3.31 2023.12.31 2024.12.31 2025.3.31 Corporate Ret
Slide 10: High Quality Investment Portfolio
High Quality Investment Portfolio Conservative and transparent investment portfolio, dominated by money market and high quality fixed income product Investment Portfolio (2025/03/31) Items NT$ m Stock 1% Gov't Bonds CBC NCD 11% 2025/03/31 REITs 26% 1% Corporate bonds Commercial Papers Government bon
Slide 11: Assets Quality and Loan Concentration
Assets Quality and Loan Concentration Improving underwriting quality and enhanced collection efforts help reduce future NPL influx and increase bad debt recovery NPL and NPL Ratios LLR and Coverage NT$m；% NT$m；% 6,000 0.58% 0.91% 0.86% 2.00% 6,000 248.33% 5,000 1.00% 5,000 144.30% 155.18% 400.00% 4,
Slide 12: Strong Capitalization
Strong Capitalization Strong and high quality capitalization provides significant cushion for long term business development. The Bank will strengthen profitability in order to achieve organic capital growth. CAR Ratio Tier 1 & CET 1 Ratio ％ ％ 17.69% 16.96% 16.42% 16.51% 16.30% 1.19% 1.17% 1.18% 1.1
Slide 13: Leading Capital Strength
Leading Capital Strength Ranking of CET 1 of 2024.12.31 % CET1 2022 2023 2024 EnTie 15.12% 15.79% 15.26% NO.4 Ranking 2 2 2 16.58 Industry Avg 11.13% 11.94% 11.81% 15.26 14.09 13.21 12.53 12.26 12.11 12.02 11.97 11.96 Avg： 11.91 11.85 11.82 11.73 11.62 11.35 11.34 11.19 11.15 11.15 10.95 10.76 10.75
Slide 14: 2025 Wealth Management Award
2025 Wealth Management Award ◆ With the concept of “comprehensive product offerings to all customers with warm and best service experience”, EnTie won the "Best Wealth Growth of Domestic Bank" and "Best Creative Marketing of Domestic Bank" awards ◆ Wealth Management report (Issue #734) - Wealth mana
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