Union Bank Of Taiwan · TWSE:2838
Union Bank Of Taiwan — H1 2025 Earnings Presentation
19 slides from Union Bank Of Taiwan's earnings presentation, Aug 7, 2025
Slide 1: Union Bank of Taiwan Financial Results of 1H25
Union Bank of Taiwan Financial Results of 1H25 August 7, 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 1H25
Financial Highlights of 1H25 Steady growth of business Net income for the month ended June 30, 2025, was 2,711million, decreased 2.69 % YoY, Operating revenue was 9,484million, decreased 7.1 % YoY. EPS was 0.50 in 1H25, compare with 0.56 in 1H24 , decreased 10.71% YoY. Net interest income wa
Slide 4: Revenue and profit- Consolidated
Revenue and profit- Consolidated NT$ mn, % Items 2Q25 2Q24 Diff. %* Net interest income 4,615 3,916 +17.85% Net fee income 2,006 1,888 +6.25% Net other income 2,863 4,405 -35.01% Operating revenue 9,484 10,209 -7.10% Pre-Tax Income 3,249 3,205 +1.37% Net Income 2,711 2,786 -2.69% EPS (in NT$dollar)
Slide 5: Net Revenue Breakdown- Consolidated
Net Revenue Breakdown- Consolidated NT$ mn NT$ mn, % 10,209 15,985 17,935 19,827 9,484 9,484 9,000 17.65% 34.97% 30.19% 38.56% 20.78% 6,000 21.15% 18.46% 19.69% 3,000 61.57% 46.57% 48.66% 41.75% 0 2Q24 2Q25 2022 2023 2024 2Q25 Operating Revenue NII% Fee Income% Other Income% 2Q25 are un-audited nu
Slide 6: Financial Performance- Consolidated
Financial Performance- Consolidated NT$ mn Operating Revenue 19,827 17,935 15,985 9,484 2022 2023 2024 2Q25 Net Income NT$ mn EPS NT$ dollar 5,222 1.16 4,321 0.95 3,542 0.81 2,711 0.50 2022 2023 2024 2Q25 2022 2023 2024 2Q25 2Q25 are un-audited numbers 6
Slide 7: Operating revenue analysis- Alone
Operating revenue analysis- Alone NT$ mn,% 36.31% 37.56% 33.25% 33.22% 18.06% 18.09% Corporate 12.41% 11.10% Business, 18.06% Consumer Business, 36.31% Corporate Business Consumer Business Trust & Ｗealth Investment & Others Mgmt. 2Q25 2Q24 Investment & Others, 33.22% 2Q25 2Q24 Items Diff.Amt revenue
Slide 8: Business Performance
Business Performance NT$ mn, % 201 欄 Items 2025.6.30 2024.6.30 9.6 Diff.Amt Diff. % 1 3 Total deposits (avg. bal.) 820,424 778,841 41,583 5.34% Demand deposits 363,313 345,536 17,777 5.14% Time deposits 360,414 331,072 29,342 8.86% Foreign exchange 96,697 102,233 (5,536) -5.42% deposits Total Loans
Slide 9: Deposits analysis
Deposits analysis Total deposits（avg. bal.） YoY Comparison TWD$820.4 billion NT$ bn Foreign exchange deposits, 11.79% 363.3 360.4 345.5 331.1 Time deposits, 43.93% Demand deposits, 44.28% 96.7 102.2 Demand deposits Time deposits Foreign exchange deposits 6M25 6M24 Preliminary figures of Jun. 2025
Slide 10: Deposits balance steady growth
Deposits balance steady growth Demand Deposits Time Deposits 427,515 424,490 404,823 NT$ mn 393,496 381,098 394,147 386,153 360,144 374,133 354,939 351,914 338,914 Dec. 2022 Jun. 2023 Dec. 2023 Jun. 2024 Dec. 2024 Jun. 2025 Dec. 2022 Jun. 2023 Dec. 2023 Jun. 2024 Dec. 2024 Jun. 2025 Total Deposits D
Slide 11: Loans analysis
Loans analysis Total Loans YoY Comparison TWD$608.8 billion NT$ bn Government, Large Corporate, 451.3 0.2% 3.1% 427.9 SME, 22.6% 137.7 136.4 Individual, 18.8 1.0 4.0 8.1 74.1% Government Large SME Individual Corporate Preliminary figures of Jun. 2025 6M25 6M24 11
Slide 12: Loans balance steady growth
Loans balance steady growth Corporate Loans Consumer Loans NT$ mn 371,447 374,967 350,199 359,910 300,000 335,657 317,712 250,000 236,826 244,434 215,967 223,296 201,012 210,124 200,000 150,000 100,000 50,000 - 2022 6M23 2023 6M24 2024 6M25 2022 6M23 2023 6M24 2024 6M25 Government Loans is exclude
Slide 13: Business Performance
Business Performance Cards, NT$ Mn,% Jan. to Jun. Jan. to Jun. Items Diff. Amt Diff. % 2025 2024 Valid card rate within 6 months 67.09% 65.76% 1.33% 2.02% Cards outstanding 2,752,496 2,876,100 (123,604) (4.30%) Operating income 2,962 2,599 363 13.97% Value of transactions 83,511 99,669 (16,158) (16.
Slide 14: Credit Card Business Breakdown
Credit Card Business Breakdown Active Cards Thousand Card,% Cards Consumption NT$ mn 1,891 1,868 1,847 2,000 5.00% 4.08% 200,000 1,776 4.09% 4.24% 5.20% 1,378 4.95% 1,559 3.72% 4.70% 4.78% 4.68% 4.00% 3.22% 3.60% 1,500 150,000 4.70% 4.10% 3.00% 4.20% 3.87% 1,000 191,946 100,000 2.00% 172,072 3.70% 5
Slide 15: NIM and Spread- Alone
NIM and Spread- Alone 2.84% 2.90% 2.70% 1.33% 2.11% 1.28% 1.26% 1.24% 1.52% 1.47% 1.45% 1.43% 0.59% 1.25% 1.41% 1.43% 2022 2023 2024 2Q25 2022 2023 2024 2Q25 Overall Lending Rate Overall Deposit Rate Interest Spread NIM 2Q25 are un-audited numbers 15
Slide 16: Assets Quality
Assets Quality NPL NPL Ratio NT$ mn,% 1,900 0.30% 1,700 0.27% 0.25% 1,752 1,500 0.24% 1,562 1,571 1,300 0.22% 1,293 1,337 1,100 900 700 500 300 100 -100 2022 2023 2Q24 2024 2Q25 2022 2023 2Q24 2024 2Q25 2Q25 are un-audited numbers 16
Slide 17: Assets Quality (Conti.)
Assets Quality (Conti.) NT$ mn, % 8,000 1200.00% 7,375 7,500 6,874 7,054 7,180 7,000 6,500 6,224 1000.00% 6,000 968.74% 5,500 910.46% 935.20% 800.00% 5,000 861.42% 811.56% 4,500 4,000 600.00% 537.01% 469.57% 3,500 481.40% 439.98% 3,000 2,500 400.00% 402.56% 2,000 1,500 200.00% 1,000 500 0 0.00% 2022
Slide 18: Risk Weighted Assets
Capital Adequacy NT$ thousand Risk Weighted Assets 2022 2023 6M24 2024 6M25 Risk Weighted Assets 444,044,885 497,090,004 533,817,733 529,430,480 548,097,469 Common share 44,397,652 50,089,913 52,515,304 56,775,204 59,075,045 Other tier 1 capital 13,000,000 13,000,000 13,000,000 13,000,000 13,000,000
Slide 19: Capital Adequacy Ratio
Capital Adequacy Ratio 14.95% 15.26% 14.73% 14.37% 14.55% 2.02% 2.08% 1.40% 2.04% 2.10% 2.46% 2.37% 2.93% 2.61% 2.43% 10.00% 10.08% 9.84% 10.72% 10.78% 2022 2023 6M24 2024 6M25 CET1 Ratio Other Tier 1 Ratio Tier 2 Ratio Preliminary figures of Jun. 2025 BIS of Union Bank standalone. 19