Union Bank Of Taiwan · TWSE:2838
Union Bank Of Taiwan — Q3 2025 Earnings Presentation
20 slides from Union Bank Of Taiwan's earnings presentation, Nov 13, 2025
Slide 1: Union Bank of Taiwan Financial Results of 3Q25
Union Bank of Taiwan Financial Results of 3Q25 November 13th, 2025 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 3Q25
Financial Highlights of 3Q25 Steady growth of business Net income for the month ended September 30, 2025, was 4,376 million, compare with 4,312 million in 3Q24, increased 1.48% YoY, Operating revenue was 14,917 million, compare with 15,382 million in 3Q24 , decreased 3.02 % YoY. EPS was 0.89 i
Slide 4: Solid Growth in Assets and Equity
Solid Growth in Assets and Equiyt The bank's total assets and shareholders’equity have both recorded steady growth for five consecutive years, primarily driven by the continued expansion of corporate banking, consumer banking, and wealth management. NT$ mn Total Assets Net worth 2021 841,589 65,135
Slide 5: Revenue and profit - Consolidated
Revenue and profit- Consolidated NT$ mn, % Items 3Q25 3Q24 Diff. %* Net interest income 7,098 6,061 +17.11% Net fee income 2,983 2,903 +2.76% Net other income 4,836 6,418 -24.65% Operating revenue 14,917 15,382 -3.02% Pre-Tax Income 5,276 5,001 +5.50% Net Income 4,376 4,312 +1.48% EPS (in NT$dollar)
Slide 6: Net Revenue Breakdown - Consolidated
Net Revenue Breakdown- Consolidated NT$ mn NT$ mn, % 15,985 17,935 15,382 19,827 14,917 14,917 15,382 17.65% 34.97% 38.56% 32.42% 40.24% 20.78% 18.46% 20.00% 18.91% 19.69% 61.57% 46.57% 41.75% 47.58% 40.85% 3Q24 3Q25 2022 2023 3Q24 2024 3Q25 Operating Revenue NII% Fee Income% Other Income% 3Q25 ar
Slide 7: Financial Performance - Consolidated
Financial Performance- Consolidated NT$ mn Operating Revenue 19,827 17,935 15,985 15,382 14,917 2022 2023 3Q24 2024 3Q25 Net Income NT$ mn EPS NT$ dollar 5,222 1.16 4,321 4,312 4,376 0.95 0.94 0.81 0.89 3,542 2022 2023 3Q24 2024 3Q25 2022 2023 3Q24 2024 3Q25 3Q25 are un-audited numbers 7
Slide 8: Operating revenue analysis - Alone
Operating revenue analysis- Alone NT$ mn,% 34.61% 36.49% 37.49% 33.36% 17.37% 18.03% 11.53% 11.12% Corporate Consumer Business, Business, 17.37% 34.61% Corporate Business Consumer Business Trust & Ｗealth Investment & Mgmt. Others Corporate Business 3Q25 3Q24 Investment & Others, Consumer 3Q25 3Q24 3
Slide 9: Business Performance
Business Performance NT$ mn, % 201 欄 Items 2025.9.30 2024.9.30 9.6 Diff.Amt Diff. % 1 3 Total deposits (avg. bal.) 835,332 787,001 48,331 6.14% Demand deposits 371,749 349,641 22,108 6.32% Time deposits 363,687 333,195 30,492 9.15% Foreign exchange 99,896 104,165 (4,269) (4.10%) deposits Total Loans
Slide 10: Deposits analysis
Deposits analysis Total deposits（avg. bal.） YoY Comparison TWD$ 835.3 billion NT$ bn Foreign exchange 371.7 363.7 deposits, 11.96% 349.6 333.2 Time deposits, 43.54% Demand deposits, 44.50% 99.9 104.2 Demand deposits Time deposits Foreign exchange Preliminary figures of September 2025 deposits 9M25
Slide 11: Deposits balance steady growth
Deposits balance steady growth Demand Deposits YOY Time Deposits +5.93% YOY 424,490 435,187 NT$ mn +5.25% 393,496 410,834 360,144 399,787 386,153 379,857 354,939 338,914 Dec. 2022 Dec. 2023 Sep. 2024 Dec. 2024 Sep. 2025 Dec. 2022 Dec. 2023 Sep. 2024 Dec. 2024 Sep. 2025 Total Deposits YOY +5.6% Date
Slide 12: Loans analysis
Loans analysis Total Loans YoY Comparison TWD$ 617.1 billion NT$ bn Large Corporate, Government, 456.0 438.5 3.0% 0.0% SME, 23.1% 142.6 138.4 Individual, 18.5 13.4 - 5.0 73.9% Government Large SME Individual Corporate Preliminary figures of September 2025 9M25 9M24 12
Slide 13: Loans balance steady growth
Loans balance steady growth Corporate Loans Consumer Loans NT$ mn 366,773 371,447 377,297 350,199 317,712 253,630 234,150 236,826 215,967 201,012 2022 2023 9M24 2024 9M25 2022 2023 9M24 2024 9M25 Government Loans is excluded from Corporate Loans. Preliminary figures of September 2025 13
Slide 14: Business Performance - Cards
Business Performance Cards, NT$ Mn,% Jan. to Sep. Jan. to Sep. Items Diff. Amt Diff. % 2025 2024 Operating income 4,509 4,046 463 11.44% Card account credit balance 15,678 12,722 2,956 23.24% Undue installment balance 10,386 5,592 4,794 85.73% Value of acquiring 116,787 102,486 14,301 13.95% Value o
Slide 15: Credit Card Business Breakdown
Credit Card Business Breakdown Active Cards Thousand Card,% Cards Consumption NT$ mn 4.88% 2,000 4.80% 4.08% 200,000 4.70% 4.78% 4.63% 4.09% 4.22% 3.69% 4.70% 1,885 1,868 1,851 191,946 1,776 1,500 4.30% 172,072 150,000 3.22% 147,111 4.20% 1,378 135,894 3.87% 1,000 3.80% 113,066 100,000 3.70% 500 3.3
Slide 16: NIM and Spread - Alone
NIM and Spread- Alone 2.84% 2.90% 2.82% 2.00% 2.70% 1.33% 2.11% 1.29% 1.52% 1.48% 1.50% 1.28% 1.45% 1.41% 1.43% 1.24% 1.22% 1.41% 1.41% 1.42% 1.00% 1.25% 0.59% 0.50% 0.00% 2022 2023 3Q24 2024 3Q25 2022 2023 3Q24 2024 3Q25 Overall Lending Rate Overall Deposit Rate NIM Interest Spread 3Q25 are un-au
Slide 17: Assets Quality
Assets Quality NPL NPL Ratio NT$ mn,% 0.27% 0.27% 1,800 0.24% 0.23% 1,600 0.22% 1,620 1,400 1,562 1,485 1,200 1,293 1,337 1,000 800 600 400 200 0 2022 2023 3Q24 2024 3Q25 2022 2023 3Q24 2024 3Q25 3Q25 are un-audited numbers 17
Slide 18: Assets Quality (Conti.)
Assets Quality (Conti.) NT$ mn, % 8,000 7,535 1200.00% 7,500 6,874 7,166 7,180 6,224 7,000 910.46% 968.74% 935.20% 6,500 896.67% 1000.00% 856.93% 6,000 5,500 800.00% 5,000 4,500 4,000 507.35% 600.00% 537.01% 3,500 481.40% 439.98% 3,000 442.40% 2,500 400.00% 2,000 1,500 200.00% 1,000 500 0 0.00% 2022
Slide 19: Risk Weighted Assets
Capital Adequacy NT$ thousand Risk Weighted Assets 2022 2023 9M24 2024 9M25 Risk Weighted Assets 444,044,885 497,090,004 537,873,291 529,430,480 572,116,909 Common share 44,397,652 50,089,913 55,173,406 56,775,204 61,798,114 Other tier 1 capital 13,000,000 13,000,000 13,000,000 13,000,000 13,000,000
Slide 20: Capital Adequacy Ratio
Capital Adequacy Ratio 14.95% 15.26% 14.73% 14.69% 14.46% 2.02% 2.08% 1.39% 2.04% 2.02% 2.93% 2.41% 2.46% 2.27% 2.61% 10.00% 10.08% 10.26% 10.72% 10.80% 2022 2023 9M24 2024 9M25 CET1 Ratio Other Tier 1 Ratio Tier 2 Ratio Preliminary figures of Sepember 2025 and Sepember 2024 BIS of Union Bank st