Taiwan Cooperative Financial Holding Co., Ltd. · TWSE:5880
Taiwan Cooperative Financial — ESG Presentation (2026)
19 slides from Taiwan Cooperative Financial's sustainability presentation, Jan 26, 2026
Slide 1: Taiwan Cooperative Financial Holding Company (TCFHC) Investor & ESG Presentation 2026
Taiwan Cooperative Financial Holding Company (TCFHC) Investor & ESG Presentation 2026 TICKER: 5880
Slide 2: Sustained Growth in Total Consolidated Assets, with 3-year CAGR Above Peer Average
Sustained Growth in Total Consolidated Assets, with a Recent 3-year CAGR Above the Peer Average CAGR Dec. 2016 ~ Sep. 2025 Unit: TWD Bn 5.66% 6,000 5,408 5,166 4,797 4,434 4,476 4,147 4,000 3,735 3,341 3,412 3,508 CAGR during 2,000 Dec. 2023 ~ Sep. 2025 TCFHC: 7.09% vs. Peer Average: 5.64% 0 Dec-16
Slide 3: Steady Net Profit Growth with a Double-digit CAGR Over the Past Three Years
Steady Net Profit Growth with a Double-digit CAGR Over the Past Three Years CAGR 2016 ~ 2025 Unit: TWD Bn 5.04% 25,000 21,429 20,534 20,249 20,000 19,220 17,236 16,584 17,264 15,618 15,000 13,765 14,318 10,000 CAGR during 2023 ~ 2025 5,000 TCFHC: 11.41% vs. Peer Average: 7.60% 0 2016 2017 2018 2019
Slide 4: EPS CAGR of Nearly 8% Over the Past Three Years, Above the Peer Average
EPS CAGR of Nearly 8% Over the Past Three Years, Above the Peer Average CAGR 2016 ~ 2025 Unit: TWD Bn 1.78% 1.6 1.51 1.45 1.4 1.33 1.36 1.24 1.24 1.26 1.16 1.17 1.17 1.2 1 0.8 0.6 CAGR during 2023 ~ 2025 0.4 TCFHC: 7.81% vs. 0.2 Peer Average: 5.37% 0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 5: Long-term Stable ROA; ROE Improvement Supported by Capital Structure Optimization
Long-term Stable ROA; ROE Improvement Supported by Ongoing Capital Structure Optimization Unit: % Unit: % 0.60 10 8.83 8.98 8.56 0.49 0.49 0.47 8.02 0.46 7.66 7.38 7.66 7.84 0.43 0.44 0.43 0.44 7.27 7.28 0.39 0.40 0.40 5 0.20 0.00 0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025* 2016 2017 2018 2
Slide 6: TCB Continuous Improvement in Non-performing Loan Ratio, Outperforming Peers
TCB has Demonstrated Continuous Improvement in its Ratio of Non-performing Loan, Outperforming Peers Unit: % 0.40 0.37 0.34 0.30 0.28 0.29 0.25 0.22 0.20 0.18 0.18 0.17 0.16 During 2023 ~ 2025 0.10 TCB: 0.170% vs. Peer Average: 0.183 0.00 2016 2017 2018 2019 2020 2021 2022 2023 2024 9M2025 NPL Ratio
Slide 7: TCB's Net Interest Margin (NIM) has Rebounded Since 2024
TCB’s Net Interest Margin (NIM) has Rebounded Since 2024 Unit: % 1.200 1.050 1.080 1.086 1.044 0.961 0.931 0.915 0.800 0.758 0.673 0.710 0.400 0.000 2016 2017 2018 2019 2020 2021 2022 2023 2024 9M2025 NIM Note 1: Source: Company investor presentations. Note 2: FY2025 data are annualized from the fir
Slide 8: TCB: A Materially Higher Fee Income Contribution to Net Revenue
TCB: A Materially Higher Fee Income Contribution to Net Revenue Unit: % 20.00 17.85 18.07 15.00 13.67 13.99 13.81 14.06 13.85 14.05 13.12 13.27 10.00 5.00 0.00 2016 2017 2018 2019 2020 2021 2022 2023 2024 9M2025 Net Fee Income to Total Net Revenue Note 1. Source: MOPS; Company financial statement 8
Slide 9: Third-Party ESG Ratings
Third-Party ESG Ratings MSCI ESG Ratings Environmental risk management framework leads those of most peers. Achieving an upgrade from A post-board refresh. Sustainalytics ESG Risk Rating Risk rating shows marked improvement from 25.2 (2022) to 21.9 since board refresh. 9
Slide 10: ESG Achievements and Awards
ESG Achievements and Awards Constituents in both Included in Constituent stock in Included in DJSI World Index & FTSE Russel TWSE “FTSE4Good TIP “TWSE Corporate Emerging Markets Index FTSE4Good Emerging Index Taiwan ESG Index” Governance 100 Index” Rank 3rd globally among banks Eight consecutive yea
Slide 11: Board Sustainability Oversight
Board Sustainability Oversight Sustainable Development Committee ▪ Established functional Sustainable Development ▪ Majority (83%, 5/6) Independent Director composition ▪ Chief Sustainability Officer (CSO) appointed ▪ Dedicated “Sustainability Office” to oversee sustainable development Board Oversig
Slide 12: Sustainability Governance Vision and Strategy
Sustainability Governance Vision and Strategy Established in 2024 Sustainability Strategy Blueprint 3 Key Visions Corporate Sustainability Environmental Sustainability Social Sustainability “RISE” Framework 4 Strategic Pillars RESILIENCE INCLUSION SYNERGY ENRICHMENT Building Resilient Leading Sustai
Slide 13: Resilience: Information Security and Privacy Protection
Resilience Information Security TCB and BNP TCB Life have commissioned external information security Subsidiaries’ Information security and professionals to participate in information security management meetings, protection measures and provide consultations and suggestions on information security
Slide 14: Resilience: Ethical Management
Resilience Ethical Management Sustainable Development Committee (functional committee) is the dedicated unit for promoting ethical management. In 2024, group-wide operational sites within TCFHC Group conducted corruption risk assessments, achieving a 100% coverage rate. 100% Signing Rate 100% Signin
Slide 15: Inclusion: Financial Inclusion
Inclusion Financial Inclusion Tailor-made financial products and services that meet the needs of all sectors Financial Inclusion Policy of society and different ethnic groups, ensuring all are entitled to fair and Enacted in 2023 reasonable financial services or resources. Microbusinesses / SMES Hak
Slide 16: Inclusion: Sustainable Finance
Inclusion Sustainable Finance Actively aligns with international standards to promote sustainable finance. Principles for Responsible Principles for Responsible Principles for Sustainable Equator Principles (EPs) Investment (PRI) Banking (PRB) Insurance (PSI) Sustainable Financial Policy Sustainable
Slide 17: Synergy: Employee Benefits
Synergy Employee Benefits Family Care Welfare Facilities Healthcare Reassurance Life-stage support through Diverse welfare facilities and Supports employee health Ensures employee security family benefits, childcare subsidies covering meals, through medical examinations, through comprehensive assist
Slide 18: Synergy: Talent Communication, Retention & Development
Synergy Talent Communication, Retention & Development Employee Satisfaction Survey Surveys have included all companies in the Group since 2022. Year 2021 2022 2023 2024 Target Employee Survey Score 4.36 ✓ 4.13 ✓ 4.13 ✓ 4.33 ✓ Above 4 points each year Employee Survey Participation Rate (%) 91.19 93.1
Slide 19: Enrichment: Climate Strategies and Actions
Enrichment Climate Strategies and Actions Net-Zero Transition Pathway 2022 Completed GHG Inventory for all domestic and overseas branches and investment/financing activities Climate Risk Management Guidelines Established 2023 Carbon Reduction Target Validated by SBTi Scope 1+2 emissions average annu
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