Entie Commercial Bank · TWSE:2849
Entie Commercial Bank — H1 2026 Earnings Presentation
12 slides from Entie Commercial Bank's earnings presentation, Sep 2, 2026
Slide 1: 1H26 Investor Conference
1H26 Investor Conference Vivian Chen, CFO September 2, 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: Snapshot of EnTie
Snapshot of EnTie Company Overview Key Financial Data and Ratios (NT$ million) 2024 2025 1H26 ❖ 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 1,886 N
Slide 4: 1H26 Operating Overview
1H26 Operating Overview Strong profit growth and second-highest net revenue in a decade YoY （NT$m） 1H26 2H25 1H25 Growth % Net interest income 1,886 1,668 1,398 35% Net fee income 933 757 798 17% Total non-interest income 515 587 556 -7% Net revenue 3,334 3,012 2,752 21% Operating expenses 1,920 1,8
Slide 5: Driving Growth via Asset Optimization
Driving Growth via Asset Optimization Core business grows steadily, driven by loan expansion and NIM improvement Gross Loans Assets Net Revenue NT$m NT$m NT$m +4% +5% +3% +5% +21% 3,334 266,122 2,752 406,085 -7% 515 556 933 253,469 388,247 +17% 375,268 798 243,570 +35% 1,886 1,398 2025.6.30 2025.12.
Slide 6: Optimized Revenue Mix
Optimized Revenue Mix Growth in Corporate & Wealth Management drives NFI to 10-year high Net Revenue Net Fee Income NT$ bn NT$ bn 3.33 0.93 2.75 0.80 0.51 0.12 0.55 0.93 0.11 0.19 0.80 0.23 0.31 0.19 1.89 1.40 0.27 0.31 1H25 1H26 1H25 1H26 NII NFI Other Loan Trust Insurance Other As % of Net Revenue
Slide 7: Balanced Loan Composition
Balanced Loan Composition Enhancing customer relationships and optimizing loan mix Driving sustainable loan growth through the strategic balanced synergy of Corporate and Retail Banking Corporate Loan : 51% Retail Loans : 49% NT$ bn NT$ bn NT$136.6bn NT$129.5bn 127.6 136.6 129.5 125.9 0.1 0% 0.1 0%
Slide 8: Robust Funding & Liquidity
Robust Funding & Liquidity Stable deposit base and ample liquidity Deposit Balance Split Deposits Evolution NT$bn 337.8 352.5 54.0 16% 59.2 17% 47% 46% 208.8 62% 215.1 61% 53% 54% 75.0 22% 78.2 22% 2025.12.31 2026.6.30 2025.12.31 2026.6.30 Corporate Retail NTD Demand NTD Time Foreign Liquid Reserves
Slide 9: Investment Portfolio
Investment Portfolio Prudent allocation with optimal yield and liquidity Conservative and transparent portfolio: Primarily liquid money and high-quality fixed income products Investment Portfolio (2026/6/30) Items NT$m Stock REITs 1% Gov't Bonds CBC NCD 1% 9% 2026/6/30 23% Commercial papers Corporat
Slide 10: Asset Quality
Asset Quality Robust asset quality and strengthened risk management Driving asset quality through disciplined underwriting to mitigate NPLs and boost recoveries NPL and NPL Ratios LLR and Coverage NT$m；% NT$m；% 6,000 0.91% 1.25% 8,000 911.46% 2000.00% 5,000 0.36% 7,000 144.30% 361.50% 1000.00% 4,000
Slide 11: Solid Capital Foundation
Solid Capital Foundation Solid capital position to fuel continuous business expansion 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 1 CAR Ratio Tier 1 & CET 1 Ratio ％ ％
Slide 12: Highly Recognized & Award-Winning
Highly Recognized & Award-Winning Deepening Core Businesses & Sustainability: Driving Multiple External Accolades Recognized as a “Grade A” Bank by the “Second-hand Bag Reuse Initiative” FSC for Supporting Six Core Strategic Program Honored by Ministry of Awarded for Excellence in Green Industries E
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