O-bank Co. Ltd. · TWSE:2897
O-bank — Investor Presentation (2025)
47 slides from O-bank's investor presentation, 2025
Slide 1: O-Bank investor presentation
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Slide 5: (MME) (SME) (WM)
01 (MME) (WM) (SME) 2025 BBB A+(twn) 2025 10 IDC(Internet Data Center) 4
Slide 6: Earnings summary and EPS
01 1 7,663 8,199 -7% 2,629 3,078 -15% 5,209 6,161 -15% 1,593 2,275 -30% 0.53 0.79 -33% (EPS ) 5
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01 1 ( ) 4,802 5,360 -10% ( ) 1,447 1,886 -23% 6
Slide 8: YoY net income and EPS
01 1 YoY ( ) ( ) 1,412 NTD $1.05 1,089 NTD $0.81 30% 298 USD $0.82 277 USD $0.74 7% 7
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Slide 10: Credit and sustainability ratings
01 2025 BBB A+(twn) MorningStar Sustainalytics FTSE Russell S&P Global (Corporate Sustainability Assessment, CSA) (Carbon Disclosure Project, CDP) 9
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02-1 7,663 3,398 2,629 8,199 3,827 3,078 15
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Slide 23: C/I ratio and EPS trend
02-2 • • C/I Ratio ( ) 1.80 1.11 54.83% 53.94% 52.74% 50.80% 55.94% 48.53% 9,064 7,787 36.85% 6,867 1.00 6,161 5,511 0.87 5,209 0.79 0.69 3,340 3,621 3,956 0.63 3,022 2,990 2,914 0.53 22
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02-2 8.88% 11.75% 8.85% 2.40% 20.46% 5.48% 0.91% 6.27% / / / 24.97% 1.75% 5.77% / 1.80% / 0.70% 25
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02-2 1506.8% 1087.0% 353.6% 431.5% 210.5% 26
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Slide 29: EPS and book value
02-2 EPS 14.05 14.35 13.30 13.66 12.02 12.45 1.80 1.00 0.87 0.79 0.63 0.53 28
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Slide 45: Consolidated quarterly income statement and balance sheet
3Q25 2Q25 1Q25 4Q24 9M25 9M24 YoY 2,780 2,523 2,977 3,288 8,279 9,062 -9% (2,029) (1,840) (2,169) (2,520) (6,038) (7,184) -16% 751 683 807 769 2,241 1,878 19% 210 179 279 158 669 897 -25% 150 143 115 335 407 801 -49% 696 716 480 365 1,893 2,585 -27% 1,807 1,721 1,682 1,626 5,209 6,161 -15% (147) (22
Slide 46: Segment quarterly results
3Q25 2Q25 1Q25 4Q24 9M25 9M24 YoY 1,229 1,206 1,182 1,147 3,616 3,071 18% (985) (989) (1,012) (1,026) (2,985) (2,828) 6% 244 217 170 122 631 243 159% 406 412 388 327 1,206 1,052 15% 178 210 29 45 418 450 -7% 828 839 587 493 2,254 1,745 29% 78 (29) (34) 5 15 23 -35% (173) (158) (127) (122) (458) (436
Slide 47: Segment quarterly results
3Q25 2Q25 1Q25 4Q24 9M25 9M24 YoY 15,177 13,982 13,121 13,459 42,280 40,986 3% (5,575) (4,975) (4,971) (5,390) (15,520) (16,150) -4% 9,602 9,007 8,150 8,069 26,759 24,836 8% 159 161 178 137 498 531 -6% 126 22 22 25 170 545 -69% 9,887 9,190 8,350 8,231 27,428 25,912 6% 0 0 0 12,823 0 (436) -100% (4,7