Union Bank Of Taiwan · TWSE:2838
Union Bank Of Taiwan — Q2 2026 Earnings Presentation
20 slides from Union Bank Of Taiwan's earnings presentation, Aug 6, 2026
Slide 1: Union Bank of Taiwan Financial Results of 2Q26
Union Bank of Taiwan Financial Results of 2Q26 Aug 6th, 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 1H26
Financial Highlights of 1H26 Steady growth of business Net income after tax increased 34.09% YoY to NT$3,540 million in 2Q26, Net revenue was NT$11,872 million (YoY 22.83%). EPS was 0.65 in 2Q26, compare with 0.49 in 2Q25, increased 32.65% YoY. Net interest income was increased 18.06%. (YoY)
Slide 4: Business Development
Business Development The main growth drivers are the stable expansion of corporate banking, consumer banking lending, and wealth management businesses. NT$ mn Total Assets Equity 2021 841,589 65,135 2022 845,000 61,070 2023 939,147 68,434 2024 995,457 77,235 2025 1,057,688 85,280 2Q26 1,055,694 87,4
Slide 5: Revenue and profit- Consolidated
Revenue and profit- Consolidated NT$ mn, % Items 2Q26 2Q25 Diff. %* Net interest income 5,367 4,546 +18.06% Net fee income 2,797 2,035 +37.44% Net other income 3,708 3,084 +20.23% Net revenue 11,872 9,665 +22.83% Net Income Before Tax 4,267 3,237 +31.82% Net Income After Tax 3,540 2,640 +34.09% EPS
Slide 6: Net Revenue Breakdown- Consolidated
Net Revenue Breakdown- Consolidated NT$ mn NT$ mn, % 11,872 16,689 15,985 17,935 19,827 20,719 9,665 11,872 9,665 17.65% 29.80% 34.97% 35.13% 31.92% 31.23% 38.56% 20.78% 18.30% 18.46% 21.05% 23.56% 20.38% 19.69% 61.57% 51.90% 46.57% 47.03% 41.75% 44.49% 45.21% 2Q25 2Q26 2021 2022 2023 2024 2025 2Q25
Slide 7: Financial Performance- Consolidated
Financial Performance- Consolidated NT$ mn Net Revenue 19,827 20,719 17,935 16,689 15,985 11,872 2021 2022 2023 2024 2025 2Q26 Net Income After Tax NT$ mn EPS NT$ dollar 1.29 1.11 1.16 6,082 0.95 5,223 0.81 4,463 4,321 3,540 3,542 0.65 2021 2022 2023 2024 2025 2Q26 2021 2022 2023 2024 2025 2Q26 2Q
Slide 8: Operating revenue analysis- Standalone
Operating revenue analysis- Standalone NT$ mn,% 40.62% 36.34% 33.16% 30.10% Consumer Business, 15.33% 18.08% 13.95% Corporate 30.10% 12.42% Business, 15.33% Corporate Business Consumer Business Trust & Ｗealth Investment & Corporate Mgmt. Others Business 2Q26 2Q25 Consumer 2Q26 2Q25 Investment & Othe
Slide 9: Business Performance
Business Performance NT$ mn, % 201 欄 Items 2026.06 2025.06 9.6 Diff.Amt Diff. % 1 3 Total deposits (avg. bal.) 848,926 820,424 28,502 3.47% Demand deposits 370,540 363,313 7,227 1.99% Time deposits 377,269 360,414 16,855 4.68% Foreign exchange 101,117 96,697 4,420 4.57% deposits Total Loans (avg. ba
Slide 10: Deposits analysis
Deposits analysis Total deposits（avg. bal.） YoY Comparison TWD$ 848.9 billion NT$ bn Foreign exchange 370.5 363.3 377.2 360.4 deposits, 11.92% Time deposits, 44.44% Demand deposits, 43.64% 101.2 96.7 Demand deposits Time deposits Foreign exchange Preliminary figures of June 2026 deposits 6M26 6M25
Slide 11: Deposits balance steady growth
Deposits balance steady growth Demand Deposits Time Deposits YOY + 4.85 % YOY 424,490 427,515 432,830 448,244 NT$ mn + 0.58 % 393,496 360,144 402,227 396,448 312,838 394,147 386,153 364,410 354,939 338,914 2021 2022 2023 2024 6M25 2025 6M26 2021 2022 2023 2024 6M25 2025 6M26 Total Deposits YOY Date
Slide 12: Loans analysis
Loans analysis Total Loans YoY Comparison TWD$ 645.6 billion NT$ bn Large Corporate, 473.4 Government, 451.3 3.4% 0.0% SME, 23.3% 150.6 137.7 Individual, 21.6 18.8 - 1.0 73.3% Government Large SME Individual Corporate Preliminary figures of June 2026 6M26 6M25 12
Slide 13: Loans balance steady growth
Loans balance steady growth Corporate Loans Consumer Loans NT$ mn 382,472 371,447 374,967 379,808 350,199 317,712 285,910 279,595 262,222 236,826 244,434 215,967 201,012 166,979 2021 2022 2023 2024 6M25 2025 6M26 2021 2022 2023 2024 6M25 2025 6M26 Government Loans is excluded from Corporate Loans.
Slide 14: Business Performance
Business Performance Cards, NT$ Mn,% Jan. to Jun. Jan. to Jun. Items Diff. Amt Diff. % 2026 2025 Operating income 3,178 2,962 216 7.29% Undue installment balance 9,930 5,153 4,777 92.70% Revolving banlance 6,590 6,396 194 3.03% Issuing sales volume 91,558 83,511 8,047 9.64% Active cards in 6 months
Slide 15: Credit Card Business Breakdown
Credit Card Business Breakdown Active Cards Thousand Card,% Cards Consumption NT$ mn 2,000 4.80% 4.08% 200,000 4.70% 4.78% 4.66% 4.56% 4.09% 3.58% 4.59% 191,946 4.70% 1,776 1,868 1,847 1,849 1,842 179,372 3.87% 1,500 4.30% 172,072 150,000 3.85% 3.27% 3.22% 3.36% 4.20% 1,300 1,378 1,000 3.80% 3.71% 1
Slide 16: NIM and Spread- Standalone
NIM and Spread- Standalone 2.90% 2.93% 2.84% 2.70% 1.33% 1.32% 2.11% 1.29% 1.28% 1.86% 1.24% 1.52% 1.58% 1.21% 1.45% 1.50% 1.43% 1.33% 1.41% 1.40% 1.35% 1.25% 0.53% 0.59% 2021 2022 2023 2024 2025 2Q26 2021 2022 2023 2024 2025 2Q26 Overall Lending Rate Overall Deposit Rate NIM Interest Spread 2Q26
Slide 17: Assets Quality
Assets Quality NPL NPL Ratio NT$ mn,% 0.29% 2000 0.27% 1800 0.24% 1,840 1600 0.22% 1,659 0.25% 1400 1,562 1200 1,293 1,337 1000 800 0.10% 600 400 499 200 0 2021 2022 2023 2024 2025 2Q26 2021 2022 2023 2024 2025 2Q26 2Q26 are un-audited numbers 17
Slide 18: Assets Quality (Conti.)
Assets Quality (Conti.) NT$ mn, ％ 9,000 1200.00% 8,500 1081.30% 8,000 968.74% 917.43% 8,479 7,500 910.46% 935.20% 1000.00% 919.81% 7,000 7,553 6,500 7,180 776.24% 6,874 6,000 800.00% 6,224 5,500 5,000 5,396 4,500 537.01% 510.97% 600.00% 4,000 481.40% 439.98% 3,500 410.41% 3,000 400.00% 2,500 2,000 1
Slide 19: Capital Adequacy
Capital Adequacy NT$ thousand 600,000,000 500,000,000 400,000,000 300,000,000 200,000,000 100,000,000 - 2021 2022 2023 2024 2025 6M26 Risk Weighted Assets 407,195,710 444,044,885 497,090,004 529,430,480 560,245,935 594,959,529 Common share 45,523,219 44,397,652 50,089,913 56,775,204 65,146,711 66,10
Slide 20: Capital Adequacy Ratio
Capital Adequacy Ratio 16.08% 14.95% 15.26% 15.33% 14.73% 14.83% 1.82% 2.08% 1.38% 2.02% 2.04% 1.53% 3.08% 2.32% 2.46% 2.19% 2.93% 2.61% 11.18% 10.72% 11.63% 11.11% 10.00% 10.08% 2021 2022 2023 2024 2025 6M26 CET1 Ratio Other Tier 1 Ratio Tier 2 Ratio Preliminary figures of June 2026 BIS of Unio