台中銀行 (Taichung Bank) [2812] 2025 H1 法說會簡報
Company Overview
- Company Name: 台中銀行 (Taichung Bank)
- Stock Code: 2812
- Slogan: 用心關懷 璀璨其中 (Care with Heart, Shine Within)
- Event: 2025年上半年度法人說明會 (2025 H1 Investor Conference)
- Date: 2025年8月18日
Financial Highlights and Key Metrics
2.1. 2025年第二季營運摘要 (2025 Q2 Operating Highlights)
- 獲利情形 (Profitability)
- 稅後淨利 (Net Income After Tax): NT$4.22 billion, decreased by 1.77% YoY.
- 稅後每股盈餘 (EPS After Tax): NT$0.76, decreased by 2.56% YoY.
- 資產品質 (Asset Quality)
- 逾期放款比率 (NPL Ratio): 0.29%.
- 備抵呆帳覆蓋率 (Allowance for Bad Debts Coverage Ratio): 404.77%.
- 資本適足率 (Capital Adequacy Ratio)
- 合併資本適足率 (Consolidated Capital Adequacy Ratio): 13.82%.
- 第一類資本比率 (Tier 1 Capital Ratio): 12.39%.
- 普通股權益比率 (Common Equity Tier 1 Ratio): 11.24%.
- 個體資本適足率 (Standalone Capital Adequacy Ratio): 14.01%.
- 第一類資本比率 (Tier 1 Capital Ratio): 12.60%.
- 普通股權益比率 (Common Equity Tier 1 Ratio): 11.43%.
2.2. 獲利績效 (Profitability Performance)
- 資產報酬率 (ROA) (Annualized Information)
- 1H24: 0.98%
- 1H25: 0.86%
- 2022: 0.69%
- 2023: 0.82%
- 2024: 0.91%
- 淨值報酬率 (ROE) (Annualized Information)
- 1H24: 11.10%
- 1H25: 10.12%
- 2022: 8.06%
- 2023: 9.36%
- 2024: 10.46%
2.3. 銀行淨利息收益率 (Bank Net Interest Margin)
- NIM (Net Interest Margin) (Cumulative)
- 2Q24: 1.36%
- 3Q24: 1.35%
- 4Q24: 1.36%
- 1Q25: 1.33%
- 2Q25: 1.32%
- 孳息資產均額 (Average Earning Assets) (Unit: NT$100 million, Cumulative)
- 2Q24: 8,116
- 3Q24: 8,177
- 4Q24: 8,328
- 1Q25: 9,108
- 2Q25: 9,079
2.4. 銀行營業費用佔淨收益占比 (Bank Operating Expenses as % of Net Revenue)
- 成本效益比率 (Cost-to-Income Ratio)
- 1H24: 39.14%
- 1H25: 43.24%
- 2022: 45.62%
- 2023: 40.94%
- 2024: 40.61%
2.5. 資本適足性 (Capital Adequacy)
- 合併 (Consolidated)
- 資本適足率 (Capital Adequacy Ratio):
- 2022: 15.77%
- 1H23: 15.70%
- 2023: 15.19%
- 1H24: 14.92%
- 2024: 13.67%
- 1H25: 13.82%
- 第一類資本比率 (Tier 1 Capital Ratio):
- 2022: 13.83%
- 1H23: 13.79%
- 2023: 13.38%
- 1H24: 13.21%
- 2024: 12.34%
- 1H25: 12.39%
- 普通股權益比率 (Common Equity Tier 1 Ratio):
- 2022: 11.84%
- 1H23: 11.86%
- 2023: 11.59%
- 1H24: 11.49%
- 2024: 11.15%
- 1H25: 11.24%
- 資本適足率 (Capital Adequacy Ratio):
- 個體 (Standalone)
- 資本適足率 (Capital Adequacy Ratio):
- 2022: 15.95%
- 1H23: 15.94%
- 2023: 15.47%
- 1H24: 15.26%
- 2024: 13.86%
- 1H25: 14.01%
- 第一類資本比率 (Tier 1 Capital Ratio):
- 2022: 14.03%
- 1H23: 14.04%
- 2023: 13.67%
- 1H24: 13.55%
- 2024: 12.56%
- 1H25: 12.60%
- 普通股權益比率 (Common Equity Tier 1 Ratio):
- 2022: 12.01%
- 1H23: 12.08%
- 2023: 11.85%
- 1H24: 11.79%
- 2024: 11.35%
- 1H25: 11.43%
- 資本適足率 (Capital Adequacy Ratio):
Recent Performance and Results
3.1. 資產規模及淨值 (Asset Scale and Net Worth) (Unit: NT$100 million)
- 資產規模 (Asset Scale)
- 1H24: 9,096
- 1H25: 10,047 (+10.46% YoY)
- 2022: 8,080
- 2023: 8,779 (+8.65% YoY)
- 2024: 9,721 (+10.73% YoY)
- 淨值 (Net Worth)
- 1H24: 784
- 1H25: 846 (+7.91% YoY)
- 2022: 692
- 2023: 765 (+10.55% YoY)
- 2024: 821 (+7.32% YoY)
3.2. 獲利表現 (Profit Performance)
- 稅後淨利 (Net Income After Tax) (Unit: NT$ million)
- 1H24: 4,296
- 1H25: 4,220 (-1.77% YoY)
- 2022: 5,344
- 2023: 6,821 (+27.64% YoY)
- 2024: 8,292 (+21.57% YoY)
- 每股盈餘 (EPS) (Unit: NT$)
- 1H24: 0.78
- 1H25: 0.76 (-2.56% YoY)
- 2022: 1.07
- 2023: 1.24 (+15.89% YoY)
- 2024: 1.50 (+20.97% YoY) Note 1: EPS retrospectively adjusted. Note 2: For the company's 2024 earnings capitalization, the ex-dividend date for stock dividends is set after the financial report approval date.
3.3. 銀行主要獲利動因 (Bank's Main Profit Drivers) (Unit: NT$ million)
- 淨收益 (Net Revenue)
- 1H24: 8,825
- 1H25: 9,001 (+1.99% YoY)
- 營業費用 (Operating Expenses)
- 1H24: 3,454
- 1H25: 3,892 (+12.68% YoY)
- 呆帳費用 (Bad Debt Expense)
- 1H24: 392
- 1H25: 128 (-67.35% YoY)
- 稅前淨利 (Pre-tax Net Profit)
- 1H24: 4,979
- 1H25: 4,981 (+0.04% YoY)
3.4. 銀行淨收益 (Bank Net Revenue) (Unit: NT$ million)
- 利息淨收益 (Net Interest Income)
- 1H24: 5,542
- 1H25: 5,972 (+7.76% YoY)
- 手續費淨收益 (Net Fee Income)
- 1H24: 1,720
- 1H25: 1,941 (+12.85% YoY)
- 其他淨收益 (Other Net Income)
- 1H24: 1,563
- 1H25: 1,088 (-30.39% YoY)
- 1H25淨收益結構 (1H25 Net Revenue Structure)
- 利息淨收益 (Net Interest Income): 66.35%
- 手續費淨收益 (Net Fee Income): 21.56%
- 其他淨收益 (Other Net Income): 12.09%
3.5. 手續費收入組合 (Fee Income Composition) (Unit: NT$ million)
- 手續費收入 (Fee Income)
- 2Q24: 1,257
- 3Q24: 1,278
- 4Q24: 1,309
- 1Q25: 1,562
- 2Q25: 1,172 (-6.76% YoY, -24.97% QoQ)
- 1H24 (Cumulative): 2,529
- 1H25 (Cumulative): 2,734 (+8.11% Cumulative YoY)
3.6. 財富管理業務收入分佈 (Wealth Management Business Income Distribution) (Unit: NT$ million)
- 財富管理業務收入 (Wealth Management Business Income)
- 2Q24: 625
- 3Q24: 614
- 4Q24: 633
- 1Q25: 699
- 2Q25: 589 (-5.76% YoY, -15.74% QoQ)
- 1H24 (Cumulative): 1,284
- 1H25 (Cumulative): 1,288 (+0.31% Cumulative YoY)
3.7. 銀行存款組合 (Bank Deposit Composition) (Unit: NT$100 million)
- 總存款 (Total Deposits)
- 2Q24: 7,504
- 3Q24: 7,854
- 4Q24: 8,087
- 1Q25: 8,529
- 2Q25: 8,480 (+13.01% YoY, -0.57% QoQ)
3.8. 銀行存款結構 (Bank Deposit Structure) (as % of total deposits)
- 台幣活存 (NTD Demand Deposits)
- 2Q24: 46.68%
- 3Q24: 45.32%
- 4Q24: 45.07%
- 1Q25: 43.87%
- 2Q25: 45.11%
- 台幣定存 (NTD Time Deposits)
- 2Q24: 40.59%
- 3Q24: 41.47%
- 4Q24: 41.76%
- 1Q25: 42.74%
- 2Q25: 42.51%
- 外幣活存 (Foreign Currency Demand Deposits)
- 2Q24: 3.43%
- 3Q24: 3.40%
- 4Q24: 3.30%
- 1Q25: 3.34%
- 2Q25: 3.48%
- 外幣定存 (Foreign Currency Time Deposits)
- 2Q24: 9.30%
- 3Q24: 9.81%
- 4Q24: 9.87%
- 1Q25: 10.05%
- 2Q25: 8.90%
3.9. 銀行放款類別 (Bank Loan Categories) (Unit: NT$100 million)
- 放款合計 (Total Loans)
- 2023: 5,476
- 2024: 6,090
- 1H25: 6,347 (+4.22% HoH)
- 企業金融 (Corporate Finance)
- 2023: 2,617
- 2024: 2,990
- 1H25: 3,129 (+4.65% HoH)
- 消費金融 (Consumer Finance)
- 2023: 2,859
- 2024: 3,100
- 1H25: 3,218 (+3.81% HoH)
3.10. 銀行放款幣別 (Bank Loan Currency Type) (Unit: NT$100 million)
- 放款合計 (Total Loans)
- 2023: 5,476
- 2024: 6,090
- 1H25: 6,347 (+4.22% HoH)
- 臺幣放款 (NTD Loans)
- 2023: 5,113 (93.37%)
- 2024: 5,574 (91.53%)
- 1H25: 5,882 (92.67%, +5.53% HoH)
- 外幣放款 (Foreign Currency Loans)
- 2023: 363 (6.63%)
- 2024: 516 (8.47%)
- 1H25: 465 (7.33%, -9.88% HoH)
3.11. 銀行放款組合 (Bank Loan Portfolio) (Unit: NT$100 million)
- 總放款 (Total Loans)
- 2Q24: 5,713
- 3Q24: 5,859
- 4Q24: 6,090
- 1Q25: 6,304
- 2Q25: 6,347 (+11.10% YoY, +0.68% QoQ)
3.12. 銀行放款擔保品別 (Bank Loan Collateral Type) (Unit: NT$100 million)
- 放款合計 (Total Loans)
- 2023: 5,476
- 2024: 6,090
- 1H25: 6,347 (+4.22% HoH)
- 無擔保 (Unsecured)
- 2023: 880 (16.07%)
- 2024: 1,083 (17.78%)
- 1H25: 1,069 (16.84%, -1.29% HoH)
- 有擔保 (Secured)
- 2023: 4,596 (83.93%)
- 2024: 5,007 (82.22%)
- 1H25: 5,278 (83.16%, +5.41% HoH)
3.13. 銀行存放利差 (Bank Loan-Deposit Spread) (Monthly Data)
- 外幣存放利差 (Foreign Currency Loan-Deposit Spread)
- 2024/4: 3.06%
- 2024/5: 2.91%
- 2024/6: 2.89%
- 2024/7: 2.78%
- 2024/8: 2.73%
- 2024/9: 2.59%
- 2024/10: 2.48%
- 2024/11: 2.42%
- 2024/12: 2.30%
- 2025/1: 2.46%
- 2025/2: 2.32%
- 2025/3: 2.14%
- 2025/4: 2.42%
- 2025/5: 2.22%
- 2025/6: 2.24%
- 臺幣存放利差 (NTD Loan-Deposit Spread)
- 2024/4: 1.84%
- 2024/5: 1.91%
- 2024/6: 1.90%
- 2024/7: 1.90%
- 2024/8: 1.89%
- 2024/9: 1.87%
- 2024/10: 1.86%
- 2024/11: 1.85%
- 2024/12: 1.86%
- 2025/1: 1.84%
- 2025/2: 1.81%
- 2025/3: 1.81%
- 2025/4: 1.81%
- 2025/5: 1.82%
- 2025/6: 1.83%
- 總存放利差 (Total Loan-Deposit Spread)
- 2024/4: 1.77%
- 2024/5: 1.83%
- 2024/6: 1.82%
- 2024/7: 1.80%
- 2024/8: 1.80%
- 2024/9: 1.76%
- 2024/10: 1.74%
- 2024/11: 1.74%
- 2024/12: 1.75%
- 2025/1: 1.77%
- 2025/2: 1.72%
- 2025/3: 1.70%
- 2025/4: 1.75%
- 2025/5: 1.74%
- 2025/6: 1.75%
3.14. 銀行資產品質 (Bank Asset Quality)
- 逾放比率 (NPL Ratio)
- 2Q24: 0.11%
- 3Q24: 0.10%
- 4Q24: 0.06%
- 1Q25: 0.28%
- 2Q25: 0.29%
- 逾放餘額 (NPL Balance) (Unit: NT$ million)
- 2Q24: 639
- 3Q24: 600
- 4Q24: 359
- 1Q25: 1,787
- 2Q25: 1,869
- 呆帳覆蓋率 (Allowance for Bad Debts Coverage Ratio)
- 2Q24: 1,100.48%
- 3Q24: 1,195.03%
- 4Q24: 2,052.05%
- 1Q25: 424.26%
- 2Q25: 404.77%
- 備抵呆帳餘額 (Allowance for Bad Debts Balance) (Unit: NT$ million)
- 2Q24: 7,037
- 3Q24: 7,173
- 4Q24: 7,374
- 1Q25: 7,583
- 2Q25: 7,566
3.15. 銀行境外獲利佔比 (Bank Overseas Profit Contribution) (Unit: NT$ million)
- 納閩分行及OBU分行 稅前淨利 (Labuan Branch & OBU Pre-tax Net Profit)
- 1H24: 819 (OBU 784, Labuan 35)
- 1H25: 815 (OBU 753, Labuan 62, -0.49% YoY)
- 2022: 470 (OBU 442, Labuan 28)
- 2023: 756 (OBU 681, Labuan 75, +60.85% YoY)
- 2024: 1,472 (OBU 1,370, Labuan 102, +94.71% YoY)
- 納閩分行及OBU分行 稅前淨利佔比 (Labuan Branch & OBU Pre-tax Net Profit Contribution) (Cumulative)
- 2Q24: 16.45%
- 3Q24: 16.36%
- 4Q24: 15.21%
- 1Q25: 16.22%
- 2Q25: 16.36%
3.16. 子公司收益佔比 (Subsidiary Income Contribution) (Unit: NT$ million)
- 稅後淨利 (Net Income After Tax)
- 台中銀行 (Taichung Bank - Parent):
- 1H24: 3,719
- 1H25: 3,904 (+4.97% YoY)
- 子公司 (Subsidiaries):
- 1H24: 577
- 1H25: 316 (-45.23% YoY)
- 合計 (Total):
- 1H24: 4,296
- 1H25: 4,220 (-1.77% YoY)
- 台中銀行 (Taichung Bank - Parent):
- 1H24獲利組合 (1H24 Profit Composition)
- 台中銀行 (Taichung Bank): 86.57%
- 子公司 (Subsidiaries): 13.43%
- 1H25獲利組合 (1H25 Profit Composition)
- 台中銀行 (Taichung Bank): 92.51%
- 子公司 (Subsidiaries): 7.49%
3.17. 台中銀行簡明資產負債表(個體) (Taichung Bank Condensed Balance Sheet (Standalone)) (Unit: NT$ million)
- 資產 (Assets)
- 現金及存放銀行同業 (Cash and Due from Banks): 64,502 (YTD -1.78%)
- 金融商品投資 (Financial Investments): 257,320 (YTD 2.49%)
- 貼現及放款-淨額 (Discounts and Loans - Net): 627,126 (YTD 4.23%)
- 應收款項-淨額 (Receivables - Net): 4,579 (YTD -4.92%)
- 採用權益法之投資-淨額 (Investments Accounted for Using Equity Method - Net): 6,736 (YTD -2.97%)
- 不動產及設備-淨額 (Property and Equipment - Net): 19,630 (YTD 4.79%)
- 其他資產 (Other Assets): 6,899 (YTD 42.01%)
- 資產總計 (Total Assets): 986,792 (YTD 3.46%)
- 負債 (Liabilities)
- 存款及匯款 (Deposits and Remittances): 847,961 (YTD 4.85%)
- 其他負債 (Other Liabilities): 54,278 (YTD -13.77%)
- 負債總計 (Total Liabilities): 902,239 (YTD 3.51%)
- 權益總計 (Total Equity): 84,553 (YTD 3.00%)
- 負債及權益總計 (Total Liabilities and Equity): 986,792 (YTD 3.46%)
3.18. 台中銀行簡明綜合損益表(個體) (Taichung Bank Condensed Income Statement (Standalone)) (Unit: NT$ million)
- 利息淨收益 (Net Interest Income): 5,972 (YoY 7.76%)
- 手續費淨收益 (Net Fee Income): 1,941 (YoY 12.85%)
- 其他淨收益 (Other Net Income): 1,088 (YoY -30.39%)
- 淨收益合計 (Total Net Revenue): 9,001 (YoY 1.99%)
- 營業費用 (Operating Expenses): (3,892) (YoY 12.68%)
- 提存前盈餘 (Pre-provision Profit): 5,109 (YoY -4.88%)
- 呆帳費用 (Bad Debt Expense): (128) (YoY -67.35%)
- 繼續營業單位稅前淨利 (Pre-tax Net Profit from Continuing Operations): 4,981 (YoY 0.04%)
- 所得稅費用 (Income Tax Expense): (761) (YoY 11.42%)
- 本年度稅後淨利 (Net Income After Tax for the Year): 4,220 (YoY -1.77%)
- 其他綜合損益 (Other Comprehensive Income): 394 (YoY 206.49%)
- 本年度綜合損益總額 (Total Comprehensive Income for the Year): 4,614 (YoY 17.52%)
3.19. 台中銀行簡明資產負債表(合併) (Taichung Bank Condensed Balance Sheet (Consolidated)) (Unit: NT$ million)
- 資產 (Assets)
- 現金及存放銀行同業 (Cash and Due from Banks): 65,037 (YTD -1.57%)
- 金融商品投資 (Financial Investments): 258,600 (YTD 2.42%)
- 貼現及放款-淨額 (Discounts and Loans - Net): 628,345 (YTD 4.12%)
- 應收款項-淨額 (Receivables - Net): 24,069 (YTD -1.21%)
- 採用權益法之投資-淨額 (Investments Accounted for Using Equity Method - Net): 183 (YTD -5.18%)
- 不動產及設備-淨額 (Property and Equipment - Net): 20,305 (YTD 4.61%)
- 其他資產 (Other Assets): 8,132 (YTD 34.19%)
- 資產總計 (Total Assets): 1,004,671 (YTD 3.35%)
- 負債 (Liabilities)
- 存款及匯款 (Deposits and Remittances): 846,087 (YTD 4.89%)
- 其他負債 (Other Liabilities): 74,031 (YTD -11.15%)
- 負債總計 (Total Liabilities): 920,118 (YTD 3.39%)
- 權益總計 (Total Equity): 84,553 (YTD 3.00%)
- 負債及權益總計 (Total Liabilities and Equity): 1,004,671 (YTD 3.35%)
3.20. 台中銀行簡明綜合損益表(合併) (Taichung Bank Condensed Income Statement (Consolidated)) (Unit: NT$ million)
- 利息淨收益 (Net Interest Income): 6,385 (YoY 7.75%)
- 手續費淨收益 (Net Fee Income): 2,523 (YoY 8.70%)
- 其他淨收益 (Other Net Income): 736 (YoY -44.16%)
- 淨收益合計 (Total Net Revenue): 9,644 (YoY 0.83%)
- 營業費用 (Operating Expenses): (4,349) (YoY 8.92%)
- 提存前盈餘 (Pre-provision Profit): 5,295 (YoY -4.97%)
- 呆帳費用 (Bad Debt Expense): (212) (YoY -56.11%)
- 繼續營業單位稅前淨利 (Pre-tax Net Profit from Continuing Operations): 5,083 (YoY -0.12%)
- 所得稅費用 (Income Tax Expense): (863) (YoY 8.83%)
- 本年度稅後淨利 (Net Income After Tax for the Year): 4,220 (YoY -1.77%)
- 其他綜合損益 (Other Comprehensive Income): 394 (YoY 206.49%)
- 本年度綜合損益總額 (Total Comprehensive Income for the Year): 4,614 (YoY 17.52%)
Future Outlook and Guidance
- The presentation does not explicitly provide numerical future outlook or guidance for revenue, earnings, or other key metrics. It focuses on past performance and strategic initiatives.
Strategic Initiatives and Plans
5.1. 全力阻詐 (Full Effort to Combat Fraud)
- Fraud Prevention Upgrade!
- Initiative: Signed "Suspicious Financial Account Reporting Special Cooperation Memorandum" with Taichung District Prosecutors Office.
- Goal: Strengthen control over suspicious financial accounts.
- Mechanism: Initiated cross-agency real-time reporting and information sharing mechanism.
- Future Plan: Continue cooperation to strengthen the last line of defense for public assets and build a safer financial environment.
5.2. 社會責任 (Social Responsibility)
- Elderly Fraud Prevention
- Commitment: Conducts financial literacy campaigns against fraud.
- Collaboration: Launched digital anti-fraud awareness videos.
5.3. 榮耀及肯定 (Honors and Recognition)
- Awarded "Village/Community Outreach and Promotion Award" by Trust Association of R.O.C.
Key Charts, Graphs, and Data Points
- 資產規模 (Asset Scale) (NT$100 million): 1H25: 10,047
- 稅後淨利 (Net Income After Tax) (NT$ million): 1H25: 4,220
- ROA: 1H25: 0.86%
- ROE: 1H25: 10.12%
- 放款合計 (Total Loans) (NT$100 million): 1H25: 6,347
Products, Services & Technology
- Financial Products/Services: Includes various deposits, loans, and wealth management services.
- Technology Platforms: Voice-Guided ATMs for visually impaired customers.
- Social Responsibility Initiatives: Educational programs aimed at fraud awareness and prevention.