Entie Commercial Bank · TWSE:2849
Entie Commercial Bank — 9M25 Earnings Presentation
15 slides from Entie Commercial Bank's earnings presentation, Nov 27, 2025
Slide 1: 9M25 Investor Conference
9M25 Investor Conference Vivian Chen, CFO November 27, 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 9M25 ❖ 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 2
Slide 4: Growing Profit and Business Momentum in 9M25
Growing Profit and Business Momentum in 9M25 ◆ Under strong business momentum, 9M25 fee and trading related income continued to grow ◆ Net Income increased by 3.2% YoY with declining bad debt expenses Net Interest Income Net Fee Income Other Income NT$m；% NT$m；% NT$m；% -8.6% +14.9% 1,193 +6.7% 873 2
Slide 5: Key Ratios
Key Ratios Loan Growth Total Assets China Exposure / Net Worth NT$bn；% NT$bn；% % YoY -7.6% YoY +10.3% YoY +8.1% 27.38% YTD -2.5% YTD +8.9% 253.3 YTD +5.6% 3,844 22.27% 3,639 19.78% 229.7 232.7 3,556 Sep-24 Dec-24 Sep-25 Sep-24 Dec-24 Sep-25 Sep-24 Dec-24 Sep-25 MTM gain/loss on OCI assets Pre-tax RO
Slide 6: Revenue Composition
Revenue Composition Net Revenue Net Fee Income NT$ bn NT$ bn 4.21 4.22 1.19 1.04 0.82 0.87 0.15 0.13 1.04 0.35 1.19 0.25 0.31 0.38 2.35 2.16 0.28 0.38 9M24 9M25 9M24 9M25 NII NFI Other Loan Trust Insurance Other As % of Net Revenue: As % of Fee Income: 19% 21% 12% 12% 25% 28% 24% 30% 56% 51% 37% 26%
Slide 7: Balanced Loan Composition
Balanced Loan Composition Optimized risk and return in pursuit of a balanced portfolio Corporate Loan : 51% Retail Loans : 49% NT$bn NT$bn NT$128.8bn NT$124.5bn 124.5 128.8 112.3 113.7 119.0 0.3 0% 0.1 0% 117.4 0.1 0% 0.2 0% 6.0 5% 5.8 5% 6.7 6% 19.2 15% 0.3 0% 0.3 0% 14.9 13% 16.4 14% 12.4 10% 44.9
Slide 8: Stable Customer Deposits Base
Stable Customer Deposits Base Deposit Balance Split Deposits Evolution % NT$bn 48% 47% 48% 52% 53% 52% 333.4 319.6 311.5 52.5 16% Sep-24 Dec-24 Sep-25 16% 50.3 16% 49.8 Corporate Retail Gross Loan / Deposits % 203.1 64% 211.1 63% 193.9 62% 75.96% 73.75% 72.82% 67.8 22% 66.2 20% 69.8 21% Sep-24 Dec-2
Slide 9: 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 (2025/09/30) Items NT$ m Stock REITs 1% Gov't Bonds CBC NCD 8% 1% 2025/09/30 22% Corporate Bonds Commercial papers Government bond
Slide 10: Assets Quality
Assets Quality 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；% 6,000 803.37 0.51% 0.91% 2.00% 6,000 279.23% 5,000 0.19% 1.00% 5,000 144.30% 400.00% 4,000 0.00% 4,000 3,802 -1
Slide 11: 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% 16.30% 16.15% 1.19% 1.17% 14.97% 14.
Slide 12: Leading Capital Strength
Leading Capital Strength Ranking of CET 1 of 2025.6.30 % CET1 2023 2024 1H25 EnTie 15.79% 15.26% 14.97 Ranking 2 2 3 NO.3 Industry Avg 11.94% 11.81% 12.31 20.45 Avg： 15.44 14.97 14.55 12.31% 12.51 12.36 12.30 12.28 12.14 12.05 12.00 11.99 11.84 11.80 11.76 11.72 11.51 11.43 11.37 11.20 11.16 10.79 1
Slide 13: Honors and Awards in 2025
Honors and Awards in 2025 In 2025, EnTie achieved remarkable results, winning numerous industry accolades and demonstrating its outstanding strength in various fields 13
Slide 14: ESG Sustainable Development Journey
ESG Sustainable Development Journey 2024 2025 5月 11月 1月 8月 10月 設置 董事長帶領同仁 全台50間分行加 成立 榮獲「金融友善最佳 「人資暨永續長」 至台東偏鄉宣講 入在地縣市政府 「永續發展委員會」 客服中心」 成立「永續發展部」 「金融教育常識」 「失智友善組織」 深化永續發展策略 完善高齡服務 推動 8月 發佈 5月 9月 「永續發展策 榮獲2025台北101 參與亞太永續博覽 略藍圖」 公益垂直馬拉松首 會，將金融專業與 榮獲「亞太永續會展 屆公益企業組冠軍 教育公益結合，成 獎金級」與「永續導 功塑造「金融 X 教 覽卓越獎
Slide 15: 2026 Core Business Strategy
2026 Core Business Strategy Implement Risk Management, Achieve Sustainable Value Enhance Operational Efficiency, Accelerate Earning Growth, Enhance ROA to Industry Average Stable Asset Growth Improve Financial /Diversified Revenue Performance/Enhance Sources Capital Efficiency Development Intelligen