TAIWAN COOPERATIVE FINANCIAL HOLDING CO., LTD.

Income Statement Taiwan Cooperative Financial Holding Co., Ltd.

Stocks

5880

TW0005880009

Banks

End-of-day quote Taiwan S.E. Other stock markets 2026-06-11			5-day change	1st Jan Change
23.85 ^TWD	+0.21%		+1.92%	-1.85%

May. 26	Taiwan Cooperative Financial Holding Co., Ltd. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
May. 14	Taiwan Cooperative Financial says April revenue up 65.45% Y/Y	RE

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Published financial data: TAIWAN COOPERATIVE FINANCIAL HOLDING CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	49.33B	63.73B	93.41B	106B	109B
Interest Income, Total	49.33B	63.73B	93.41B	106B	109B
Interest On Deposits	13.33B	25.97B	61.45B	76.13B	74.55B
Interest Expense, Total	13.33B	25.97B	61.45B	76.13B	74.55B
Net Interest Income	36B	37.76B	31.96B	30.17B	34.53B
Gain (Loss) on Sale of Assets	125M	152M	98.27M	83.84M	78.9M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	6.24B	20.67B	14.94B	36.23B	3.81B
Income (Loss) on Equity Invest. (Income Block)	11.04M	9.41M	16.6M	12.16M	8.22M
Total Other Non Interest Income	12.03B	-5.41B	14.36B	-688M	35.96B
Non Interest Income, Total	18.41B	15.42B	29.41B	35.64B	39.86B
Revenues Before Provison For Loan Losses	54.41B	53.18B	61.38B	65.81B	74.39B
Provision For Loan Losses	2.38B	1.21B	7.5B	5.75B	4.64B
Total Revenues	52.04B	51.97B	53.87B	60.06B	69.75B
Salaries And Other Employee Benefits	18.24B	17.54B	17.29B	18.53B	19.14B
Occupancy Expense	2.28B	2.51B	2.65B	2.86B	2.84B
Selling General & Admin Expenses, Total	4.5B	5.07B	5.3B	10.34B	5.75B
Total Other Non Interest Expense	2.59B	2.46B	6.56B	3.37B	15.72B
Non Interest Expense, Total	27.61B	27.58B	31.8B	35.09B	43.45B
EBT, Excl. Unusual Items	24.43B	24.39B	22.07B	24.97B	26.3B
Asset Writedown	-	-	-	12.83M	-
EBT, Incl. Unusual Items	24.43B	24.39B	22.07B	24.98B	26.3B
Income Tax Expense	3.22B	3.57B	4.2B	5.17B	4.85B
Earnings From Continuing Operations	21.21B	20.82B	17.88B	19.81B	21.45B
Net Income to Company	21.21B	20.82B	17.88B	19.81B	21.45B
Minority Interest	-678M	-568M	-615M	-589M	-153M
Net Income - (IS)	20.53B	20.25B	17.26B	19.22B	21.29B
Net Income to Common Incl Extra Items	20.53B	20.25B	17.26B	19.22B	21.29B
Net Income to Common Excl. Extra Items	20.53B	20.25B	17.26B	19.22B	21.29B
Per Share Items
Net EPS - Basic	1.31	1.29	1.1	1.23	1.36
Basic EPS - Continuing Operations	1.31	1.29	1.1	1.23	1.36
Basic Weighted Average Shares Outstanding	15.68B	15.68B	15.68B	15.68B	15.68B
Net EPS - Diluted	1.31	1.29	1.1	1.22	1.36
Diluted EPS - Continuing Operations	1.31	1.29	1.1	1.22	1.36
Diluted Weighted Average Shares Outstanding	15.68B	15.68B	15.68B	15.68B	15.68B
Normalized Basic EPS	0.93	0.94	0.84	0.96	1.04
Normalized Diluted EPS	0.93	0.94	0.84	0.96	1.04
Dividend Per Share	0.87	0.45	0.61	0.68	0.8
Payout Ratio	55.2	67.17	40.57	49.75	50.04
Supplemental Items
Effective Tax Rate - (Ratio)	13.17	14.64	19.01	20.7	18.46
Total Current Taxes	2.85B	2.47B	5.18B	2.85B	4.76B
Total Deferred Taxes	371M	1.1B	-1.02B	2.29B	78.78M
Normalized Net Income	14.59B	14.67B	13.18B	15.01B	16.29B
Non-Cash Pension Expense	1.26B	732M	619M	714M	738M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	99.82B	95.31B	89.23B	79.07B	70.75B
Investment Securities, Total	1,274B	1,265B	1,294B	1,348B	1,462B
Trading Asset Securities, Total	84.51B	75.62B	126B	157B	190B
Total investments	1,359B	1,341B	1,419B	1,505B	1,652B
Gross Loans	2,590B	2,675B	2,907B	3,199B	3,249B
Allowance For Loan Losses	-30.25B	-31.52B	-33.51B	-36.38B	-38.45B
Other Adjustments to Gross Loans	-546M	-647M	-572M	-482M	-409M
Net Loans	2,560B	2,643B	2,873B	3,163B	3,211B
Gross Property Plant And Equipment	51.68B	52.64B	53.21B	54.01B	54.28B
Accumulated Depreciation	-17.06B	-18.41B	-19.6B	-20.7B	-21.78B
Net Property Plant And Equipment	34.62B	34.23B	33.6B	33.31B	32.49B
Goodwill	3.17B	3.17B	3.17B	3.17B	3.17B
Other Intangibles, Total	703M	986M	1.26B	1.65B	1.64B
Investment in Real Estate	10.88B	10.94B	11.15B	11.3B	11.49B
Accrued Interest Receivable	7.68B	10.23B	15.2B	15.87B	14.97B
Other Receivables	4.49B	14.65B	4.67B	5.61B	14.85B
Restricted Cash	219B	211B	237B	247B	290B
Other Current Assets, Total	26.5B	20.05B	27.33B	17.64B	11.21B
Deferred Tax Assets Long-Term (Collected)	2.78B	1.76B	2.27B	1.48B	1.25B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Other Long-Term Assets, Total	106B	90.11B	86.34B	81.49B	66.22B
Total Assets	4,434B	4,476B	4,804B	5,166B	5,381B
Liabilities
Accounts Payable, Total	-	-	-	-	2.88B
Accrued Expenses, Total	7.33B	7.19B	7.54B	8.34B	9.16B
Interest Bearing Deposits	3,577B	3,750B	4,002B	4,356B	4,509B
Non-Interest Bearing Deposits	64.44B	65.92B	70.52B	67.99B	71.42B
Total Deposits	3,641B	3,815B	4,073B	4,424B	4,580B
Short-Term Borrowings	256B	177B	214B	221B	254B
Current Portion of Long-Term Debt	20B	5.55B	9.1B	-	4.05B
Current Portion of Leases	657M	682M	693M	720M	697M
Long-Term Debt	62.17B	74.78B	70.93B	83.91B	77.95B
Long-Term Leases	806M	856M	852M	1B	883M
Current Income Taxes Payable	1.56B	862M	3.16B	418M	2.63B
Accrued Interest Payable	2.21B	4.7B	8.2B	9.23B	9.88B
Other Current Liabilities - (Bank / Utility Template)	41.47B	32.79B	34.34B	22.02B	30.61B
Pension & Other Post Retirement Benefits	6.3B	4.26B	4.03B	3.93B	3.87B
Deferred Tax Liability Non-Current	3.62B	3.97B	3.59B	5.76B	5.53B
Other Non Current Liabilities	148B	127B	129B	125B	114B
Total Liabilities	4,191B	4,255B	4,558B	4,906B	5,096B
Common Stock, Total	136B	140B	147B	152B	157B
Additional Paid In Capital	57.98B	57.98B	45.65B	45.65B	31.65B
Retained Earnings	35.07B	38.89B	54.27B	64.05B	97.07B
Comprehensive Income and Other	7.17B	-21.51B	-7.13B	-7.9B	-6.28B
Total Common Equity	236B	215B	240B	254B	279B
Minority Interest	6.65B	5.32B	5.89B	5.71B	5.89B
Total Equity	243B	221B	246B	260B	285B
Total Liabilities And Equity	4,434B	4,476B	4,804B	5,166B	5,381B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	15.68B	15.68B	15.68B	15.68B	15.68B
ECS Total Common Shares Outstanding	15.68B	15.68B	15.68B	15.68B	15.68B
Book Value / Share	15.06	13.74	15.3	16.2	17.81
Tangible Book Value	232B	211B	235B	249B	274B
Tangible Book Value Per Share	14.82	13.47	15.02	15.89	17.5
Average Loans	2,467B	2,601B	2,782B	-	-
Total Debt	339B	259B	296B	307B	337B
Deposits at Interest - Cash	159B	82.25B	98.02B	83.36B	101B
Debt Equivalent of Unfunded Proj. Benefit Obligation	6.29B	4.25B	3.99B	2.96B	2.32B
Net Debt	75.29B	16.3B	-6.05B	-11.54B	-12.84B
Equity Method Investments, Total	143M	143M	147M	145M	146M
Full Time Employees	9.6K	9.71K	9.78K	9.77K	9.82K
Number Of Offices	293	293	293	285	273
Assets on Operating Lease - Gross	46.41M	46.33M	46.33M	46.33M	46.33M
Assets on Operating Lease - Accumulated Depreciation	-14.27M	-23.12M	-32.04M	-38.56M	-42.14M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	20.53B	20.25B	17.26B	19.22B	21.29B
Depreciation, Depletion & Amortization	2.04B	2.17B	2.27B	2.38B	2.29B
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	941K
Total Depreciation, Depletion & Amortization	2.04B	2.17B	2.27B	2.38B	2.29B
Amortization of Deferred Charges, Total	237M	332M	377M	486M	546M
(Gain) Loss On Sale of Asset - (CF)	-298M	-150M	-96.39M	-83.72M	-78.85M
(Gain) Loss on Sale of Investments - (CF)	-3.05B	-16.96B	-11.92B	-32.84B	-931M
Total Asset Writedown	-	-	-	-12.83M	-
Provision for Credit Losses	2.37B	1.42B	7.34B	5.83B	3.83B
(Income) Loss On Equity Investments - (CF)	-11.04M	-9.41M	-16.6M	-12.16M	-8.22M
Change in Trading Asset Securities	-58.54B	17.96B	-52.62B	-631M	-37.33B
Change in Other Net Operating Assets (Collected)	-127B	-96.93B	-229B	-224B	-190B
Other Operating Activities	3.49B	-807M	5.07B	5.1B	19.73B
Cash from Operations	-161B	-72.72B	-262B	-225B	-181B
Capital Expenditure	-1.08B	-1.27B	-1.14B	-1.24B	-1.46B
Sale of Property, Plant, and Equipment	532K	102K	-	26K	652K
Purchase / Sale of Intangible Assets	-193M	-526M	-493M	-723M	-499M
Sale (Purchase) of Real Estate Properties (Collected)	559M	4.44M	-45.94M	-279M	49.28M
Investment in Marketable and Equity Securities, Total	-	-	4.61M	6.98M	-
Other Investing Activities, Total	75.13M	128M	-301M	313M	437M
Cash from Investing	-642M	-1.67B	-1.98B	-1.92B	-1.47B
Short Term Debt Issued, Total	113B	46.72B	73.48B	65.55B	142B
Long-Term Debt Issued, Total	30.53B	40.27B	49.04B	55.23B	30.08B
Total Debt Issued	144B	86.99B	123B	121B	172B
Short Term Debt Repaid, Total	-63.4B	-141B	-64.32B	-61.15B	-134B
Long-Term Debt Repaid, Total	-20.66B	-34.2B	-48.25B	-54.3B	-36.36B
Total Debt Repaid	-84.06B	-175B	-113B	-115B	-170B
Common Dividends Paid	-11.33B	-13.6B	-7B	-9.56B	-10.66B
Common & Preferred Stock Dividends Paid	-11.33B	-13.6B	-7B	-9.56B	-10.66B
Net Increase (Decrease) in Deposit Accounts - (CF)	220B	120B	264B	222B	187B
Other Financing Activities, Total	-219M	-1.11B	-514M	1.91B	-566M
Cash from Financing	268B	16.8B	266B	220B	178B
Foreign Exchange Rate Adjustments	2.51B	-6.76B	1.56B	-8.18B	5.37B
Net Change in Cash	109B	-64.35B	4.17B	-15.02B	354M
Supplemental Items
Cash Interest Paid	13.71B	23.49B	58.07B	75.32B	74.13B
Cash Income Tax Paid (Refund)	2.56B	3.47B	2.94B	6.27B	2.22B
Net Debt Issued / Repaid	59.73B	-88.17B	9.95B	5.33B	1.64B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.49	0.47	0.39	0.4	0.41
Return On Equity %	8.83	8.98	7.66	7.84	7.87
Return on Common Equity	8.79	8.97	7.58	7.78	7.99
Shareholders Value Added	-7.5B	-6.85B	-10.06B	-10.42B	-10.7B
Margin Analysis
SG&A Margin	47.35	47.48	45.97	51.97	38.93
Net Interest Income / Total Revenues %	69.19	72.67	59.33	50.24	49.51
EBT Excl. Non-Recurring Items Margin %	46.95	46.93	40.97	41.57	37.71
Income From Continuing Operations Margin %	40.76	40.06	33.18	32.98	30.75
Net Income Margin %	39.46	38.96	32.04	32	30.53
Net Avail. For Common Margin %	39.46	38.96	32.04	32	30.53
Normalized Net Income Margin	28.04	28.24	24.47	25	23.35
Asset quality
Nonperforming Loans / Total Loans %	0.21	0.18	0.18	0.16	0.14
Nonperforming Loans / Total Assets %	0.12	0.11	0.11	0.1	0.09
Nonperforming Assets / Total Assets %	0.12	0.11	0.11	0.1	0.09
NPAs / Loans and OREO	0.21	0.18	0.18	0.16	0.14
NPAs / Equity	2.25	2.19	2.09	1.92	1.65
Allowance for Credit Losses / Net Charge-offs %	1.73K	21.33K	743.4	1.23K	2.28K
Allowance for Credit Losses / Nonperforming Loans %	553.33	653.3	652.65	727.52	819.37
Allowance for Credit Losses / Total Loans %	1.17	1.18	1.15	1.14	1.18
Net Charge-offs / Total Average Loans %	0.07	0.01	0.16	-	-
Provision for Loan Losses / Net Charge-offs %	136.08	822.07	166.45	194.91	274.41
Earning Assets / IBL	103.79	103.67	103.91	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.45	5.07	4.91	4.96	5.06
Total Average Equity / Total Average Assets %	5.6	5.2	5.03	5.07	5.17
Total Equity + Allowance for Loan Losses / Total Loans %	10.29	9.23	9.41	9.08	9.78
Gross Loans / Total Deposits %	71.15	70.12	71.37	72.32	70.94
Net Loans / Total Deposits %	70.3	69.28	70.54	71.49	70.09
Coverage Ratio	83.44	89.95	104.4	103.69	101.05
Interbank Ratio	58.35	29.74	32.81	35.55	29.73
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.83	1.94	1.36	1.33	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.17	4.89	-15.36	-5.6	14.44
Non Interest Income, 1 Yr. Growth %	9.13	-16.25	90.77	21.16	11.84
Provision For Loan Losses, 1 Yr. Growth %	-66.53	-48.89	517.59	-23.35	-19.35
Total Revenues, 1 Yr. Growth %	16.5	-0.13	3.67	11.48	16.13
Earnings From Cont. Operations, 1 Yr. Growth %	23.79	-1.86	-14.12	10.8	8.27
Net Income, 1 Yr. Growth %	23.82	-1.39	-14.74	11.33	10.8
Normalized Net Income, 1 Yr. Growth %	23.24	0.57	-10.16	13.9	8.47
Diluted EPS Before Extra, 1 Yr. Growth %	23.82	-1.39	-15.01	11.5	10.8
Dividend Per Share, 1 Yr. Growth %	20.01	-48.5	36.49	11.45	14.29
Gross Loans, 1 Yr. Growth %	9.34	3.28	8.62	10.07	1.56
Allowance For Loan Losses, 1 Yr. Growth %	0.9	4.18	6.3	8.57	5.71
Net Loans, 1 Yr. Growth %	9.45	3.27	8.65	10.09	1.52
Non Performing Loans, 1 Yr. Growth %	-19.01	-11.76	6.41	-2.6	-6.14
Non Performing Assets, 1 Yr. Growth %	-19.01	-11.76	6.41	-2.6	-6.14
Total Assets, 1 Yr. Growth %	6.92	0.95	7.32	7.68	4.17
Total Deposits, 1 Yr Growth %	6.43	4.79	6.74	8.62	3.54
Tangible Book Value, 1 Yr. Growth %	2.29	-9.07	11.44	5.85	10.12
Average Interest Earning Assets, 1 Yr. Growth %	9.34	4.12	6.02	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.92	4.25	5.76	-	-
Common Equity, 1 Yr. Growth %	2.24	-8.8	11.35	5.9	9.92
Total Equity, 1 Yr. Growth %	2.19	-9.11	11.33	5.69	9.77
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.93	4.03	-5.78	-10.61	3.94
Non Interest Income, 2 Yr. CAGR %	15.71	-4.4	26.4	52.03	16.41
Provision For Loan Losses, 2 Yr. CAGR %	-24.03	-58.64	77.67	117.57	-21.38
Total Revenues, 2 Yr. CAGR %	7.56	7.86	1.75	7.51	13.78
Earnings From Cont. Operations, 2 Yr. CAGR %	9.74	10.22	-8.19	-2.45	9.53
Net Income, 2 Yr. CAGR %	9.15	10.5	-8.31	-2.57	11.06
Normalized Net Income, 2 Yr. CAGR %	7.71	11.33	-4.95	1.16	11.15
Diluted EPS Before Extra, 2 Yr. CAGR %	9.26	10.5	-8.45	-2.67	11.26
Dividend Per Share, 2 Yr. CAGR %	11.18	-21.39	-16.16	23.34	14.54
Gross Loans, 2 Yr. CAGR %	6.74	6.27	5.93	9.34	5.73
Allowance For Loan Losses, 2 Yr. CAGR %	3.47	2.53	5.24	7.43	7.13
Net Loans, 2 Yr. CAGR %	6.78	6.31	5.94	9.37	5.72
Non Performing Loans, 2 Yr. CAGR %	0.06	-15.46	-3.1	1.8	-4.39
Non Performing Assets, 2 Yr. CAGR %	-1.02	-15.46	-3.1	1.8	-4.39
Total Assets, 2 Yr. CAGR %	8.89	3.89	4.09	7.42	5.91
Total Deposits, 2 Yr CAGR %	9.54	5.61	5.76	7.68	6.05
Tangible Book Value, 2 Yr. CAGR %	3.31	-3.56	0.67	8.61	7.96
Average Interest Earning Assets, 2 Yr. CAGR %	8.32	6.7	5.06	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.85	7.05	5	-	-
Common Equity, 2 Yr. CAGR %	3.29	-3.44	0.77	8.59	7.89
Total Equity, 2 Yr. CAGR %	3.46	-3.62	0.6	8.47	7.71
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.84	2.23	-2.88	-5.72	-2.94
Non Interest Income, 3 Yr. CAGR %	16.1	3.89	20.36	24.63	37.24
Provision For Loan Losses, 3 Yr. CAGR %	-18.28	-33.43	1.85	34.25	56.29
Total Revenues, 3 Yr. CAGR %	6.97	4.93	6.45	4.9	10.31
Earnings From Cont. Operations, 3 Yr. CAGR %	9.82	5.73	1.43	-2.25	1
Net Income, 3 Yr. CAGR %	9.55	5.52	1.35	-2.18	1.69
Normalized Net Income, 3 Yr. CAGR %	9.57	5.28	3.65	0.96	3.54
Diluted EPS Before Extra, 3 Yr. CAGR %	9.55	5.59	1.24	-2.24	1.69
Dividend Per Share, 3 Yr. CAGR %	13	-13.98	-5.51	-7.81	21.44
Gross Loans, 3 Yr. CAGR %	7.25	5.57	7.05	7.29	6.68
Allowance For Loan Losses, 3 Yr. CAGR %	3.59	3.71	3.77	6.34	6.85
Net Loans, 3 Yr. CAGR %	7.3	5.6	7.1	7.31	6.68
Non Performing Loans, 3 Yr. CAGR %	-2.27	-4.05	-8.72	-2.94	-0.92
Non Performing Assets, 3 Yr. CAGR %	-3.65	-4.74	-8.72	-2.94	-0.92
Total Assets, 3 Yr. CAGR %	8.12	6.18	5.02	5.22	6.33
Total Deposits, 3 Yr CAGR %	10.1	7.93	5.98	6.71	6.28
Tangible Book Value, 3 Yr. CAGR %	4.32	-0.99	1.2	2.36	9.11
Average Interest Earning Assets, 3 Yr. CAGR %	7.16	6.9	6.47	-	-
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.55	7.3	6.62	-	-
Common Equity, 3 Yr. CAGR %	4.29	-0.91	1.26	2.45	9.03
Total Equity, 3 Yr. CAGR %	4.56	-0.91	1.12	2.26	8.9
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.51	1.9	-1.86	-3.11	-0.21
Non Interest Income, 5 Yr. CAGR %	14.95	4.69	20.11	20.98	18.76
Provision For Loan Losses, 5 Yr. CAGR %	-9.75	-25.3	11.49	6.91	-8.17
Total Revenues, 5 Yr. CAGR %	6.15	4.65	4.85	5.95	9.32
Earnings From Cont. Operations, 5 Yr. CAGR %	8.45	7.19	2.22	2.38	4.59
Net Income, 5 Yr. CAGR %	8.33	7.18	2.02	2.2	5.13
Normalized Net Income, 5 Yr. CAGR %	8.36	7.74	3.52	3.61	6.59
Diluted EPS Before Extra, 5 Yr. CAGR %	8.33	7.18	1.96	2.21	5.13
Dividend Per Share, 5 Yr. CAGR %	8.89	-5.21	0.28	-0.64	2.05
Gross Loans, 5 Yr. CAGR %	4.45	5.53	6.72	7.07	6.52
Allowance For Loan Losses, 5 Yr. CAGR %	3.74	3.43	4.25	5.18	5.1
Net Loans, 5 Yr. CAGR %	4.46	5.55	6.75	7.1	6.54
Non Performing Loans, 5 Yr. CAGR %	-5.55	-6.75	-2.6	-1.75	-7.01
Non Performing Assets, 5 Yr. CAGR %	-6.21	-7.43	-3.43	-2.17	-7.01
Total Assets, 5 Yr. CAGR %	5.82	5.58	6.49	6.67	5.35
Total Deposits, 5 Yr CAGR %	7.23	7.75	8.34	7.83	6.01
Tangible Book Value, 5 Yr. CAGR %	3.99	1.35	2.85	2.74	3.85
Average Interest Earning Assets, 5 Yr. CAGR %	3.9	5.96	6.32	-	-
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.46	6.24	6.52	-	-
Common Equity, 5 Yr. CAGR %	3.94	1.38	2.87	2.79	3.86
Total Equity, 5 Yr. CAGR %	4.12	1.44	2.96	2.74	3.71