Chang Hwa Commercial Bank Ltd
TWSE:2801
Income Statement
Income Statement
Chang Hwa Commercial Bank Ltd
| Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
18 637
|
18 885
|
18 779
|
18 377
|
18 334
|
17 009
|
15 237
|
13 703
|
12 305
|
12 185
|
12 644
|
13 085
|
14 042
|
14 255
|
16 390
|
16 772
|
16 640
|
17 170
|
15 899
|
16 359
|
16 399
|
16 499
|
16 733
|
16 928
|
17 080
|
17 489
|
17 942
|
18 599
|
19 338
|
19 863
|
20 229
|
20 558
|
20 916
|
21 236
|
21 526
|
21 562
|
21 727
|
21 828
|
22 043
|
22 415
|
22 657
|
22 963
|
23 142
|
23 180
|
23 190
|
23 151
|
23 305
|
23 186
|
22 850
|
22 256
|
20 891
|
19 782
|
19 140
|
18 810
|
19 232
|
19 921
|
20 466
|
21 110
|
22 326
|
23 714
|
24 645
|
24 826
|
24 086
|
22 968
|
22 233
|
22 090
|
22 178
|
22 383
|
22 965
|
23 848
|
24 866
|
25 940
|
|
| Interest Income |
42 025
|
42 006
|
41 270
|
40 559
|
39 891
|
36 413
|
32 022
|
27 179
|
22 601
|
20 981
|
20 708
|
20 890
|
22 052
|
22 593
|
25 200
|
26 171
|
26 701
|
27 653
|
26 516
|
26 922
|
26 637
|
26 609
|
26 779
|
26 987
|
27 321
|
28 313
|
29 499
|
30 699
|
31 862
|
32 360
|
32 520
|
32 776
|
32 992
|
33 203
|
33 205
|
32 754
|
32 590
|
32 591
|
32 956
|
33 813
|
34 603
|
35 500
|
36 600
|
37 464
|
38 422
|
39 115
|
39 634
|
39 789
|
39 190
|
38 117
|
35 372
|
32 346
|
29 816
|
27 694
|
27 054
|
27 224
|
27 492
|
28 123
|
30 410
|
34 849
|
41 612
|
48 852
|
55 725
|
61 132
|
64 843
|
68 341
|
71 640
|
74 511
|
76 464
|
77 507
|
77 534
|
77 586
|
|
| Interest Expense |
23 388
|
23 121
|
22 490
|
22 182
|
21 556
|
19 404
|
16 785
|
13 476
|
10 295
|
8 797
|
8 064
|
7 805
|
8 009
|
8 338
|
8 811
|
9 400
|
10 060
|
10 484
|
10 617
|
10 563
|
10 238
|
10 110
|
10 046
|
10 059
|
10 241
|
10 825
|
11 558
|
12 100
|
12 525
|
12 497
|
12 291
|
12 218
|
12 076
|
11 966
|
11 679
|
11 191
|
10 863
|
10 763
|
10 914
|
11 398
|
11 946
|
12 537
|
13 458
|
14 284
|
15 233
|
15 964
|
16 329
|
16 603
|
16 341
|
15 861
|
14 481
|
12 564
|
10 676
|
8 884
|
7 822
|
7 303
|
7 026
|
7 013
|
8 085
|
11 136
|
16 967
|
24 027
|
31 639
|
38 163
|
42 610
|
46 251
|
49 461
|
52 129
|
53 499
|
53 659
|
52 668
|
51 646
|
|
| Non Interest Income |
12 049
|
12 623
|
11 292
|
9 606
|
9 933
|
8 288
|
9 325
|
11 562
|
9 983
|
12 636
|
13 021
|
11 996
|
14 301
|
14 338
|
13 216
|
11 808
|
8 889
|
7 610
|
6 844
|
7 438
|
7 505
|
7 094
|
6 992
|
6 581
|
7 361
|
7 186
|
7 350
|
7 896
|
7 980
|
8 067
|
8 237
|
8 564
|
9 748
|
10 497
|
10 868
|
10 943
|
10 265
|
10 280
|
10 133
|
9 692
|
9 164
|
9 269
|
9 979
|
10 464
|
11 029
|
11 312
|
10 581
|
10 816
|
10 431
|
10 523
|
10 965
|
10 097
|
9 269
|
9 028
|
8 544
|
9 129
|
9 317
|
9 256
|
9 620
|
9 727
|
10 724
|
13 374
|
15 548
|
17 342
|
17 957
|
19 173
|
19 736
|
21 111
|
20 673
|
20 424
|
21 143
|
20 780
|
|
| Revenue |
30 686
N/A
|
31 508
+3%
|
30 071
-5%
|
27 984
-7%
|
28 267
+1%
|
25 297
-11%
|
24 562
-3%
|
25 265
+3%
|
22 288
-12%
|
24 821
+11%
|
25 665
+3%
|
25 081
-2%
|
28 343
+13%
|
28 593
+1%
|
29 606
+4%
|
28 580
-3%
|
25 529
-11%
|
24 779
-3%
|
22 744
-8%
|
23 797
+5%
|
23 904
+0%
|
23 593
-1%
|
23 725
+1%
|
23 509
-1%
|
24 441
+4%
|
24 674
+1%
|
25 291
+3%
|
26 495
+5%
|
27 318
+3%
|
27 930
+2%
|
28 466
+2%
|
29 122
+2%
|
30 664
+5%
|
31 734
+3%
|
32 394
+2%
|
32 505
+0%
|
31 992
-2%
|
32 108
+0%
|
32 176
+0%
|
32 107
0%
|
31 821
-1%
|
32 233
+1%
|
33 121
+3%
|
33 644
+2%
|
34 219
+2%
|
34 463
+1%
|
33 886
-2%
|
34 001
+0%
|
33 281
-2%
|
32 779
-2%
|
31 855
-3%
|
29 878
-6%
|
28 409
-5%
|
27 838
-2%
|
27 776
0%
|
29 050
+5%
|
29 783
+3%
|
30 366
+2%
|
31 945
+5%
|
33 441
+5%
|
35 369
+6%
|
38 200
+8%
|
39 634
+4%
|
40 311
+2%
|
40 190
0%
|
41 263
+3%
|
41 914
+2%
|
43 493
+4%
|
43 637
+0%
|
44 272
+1%
|
46 009
+4%
|
46 720
+2%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(7 150)
|
(7 739)
|
(7 067)
|
(6 465)
|
(6 902)
|
(6 450)
|
(5 948)
|
(5 778)
|
(5 286)
|
(4 192)
|
(4 651)
|
(4 036)
|
(4 750)
|
(4 649)
|
(3 537)
|
(3 234)
|
(3 225)
|
(2 394)
|
(1 387)
|
(729)
|
988
|
873
|
236
|
291
|
638
|
1 033
|
1 726
|
1 532
|
884
|
300
|
170
|
151
|
(329)
|
(562)
|
(1 599)
|
(1 996)
|
(1 138)
|
(1 623)
|
(1 076)
|
(165)
|
(791)
|
(699)
|
(1 534)
|
(2 467)
|
(2 203)
|
(2 237)
|
(2 044)
|
(2 350)
|
(2 136)
|
(2 335)
|
(2 558)
|
(2 818)
|
(2 836)
|
(2 840)
|
(2 359)
|
(1 844)
|
(1 794)
|
(1 776)
|
(2 236)
|
(2 537)
|
(3 319)
|
(3 666)
|
(3 391)
|
(3 489)
|
(3 241)
|
(3 062)
|
(3 327)
|
(3 881)
|
(3 051)
|
(2 798)
|
(2 658)
|
(1 768)
|
|
| Non Interest Expense |
(11 279)
|
(12 861)
|
(13 609)
|
(13 232)
|
(14 266)
|
(12 591)
|
(12 826)
|
(14 335)
|
(11 250)
|
(13 629)
|
(12 902)
|
(12 088)
|
(12 493)
|
(12 489)
|
(13 031)
|
(12 136)
|
(11 679)
|
(11 631)
|
(11 605)
|
(12 765)
|
(14 647)
|
(14 091)
|
(13 923)
|
(13 891)
|
(14 332)
|
(14 133)
|
(14 811)
|
(15 237)
|
(15 778)
|
(16 057)
|
(16 261)
|
(16 493)
|
(16 588)
|
(16 857)
|
(16 937)
|
(16 765)
|
(16 771)
|
(16 921)
|
(17 096)
|
(17 640)
|
(16 846)
|
(17 136)
|
(17 032)
|
(16 685)
|
(17 305)
|
(17 401)
|
(17 557)
|
(17 846)
|
(17 624)
|
(17 602)
|
(17 608)
|
(17 317)
|
(17 262)
|
(17 409)
|
(17 445)
|
(17 882)
|
(17 868)
|
(18 030)
|
(18 298)
|
(18 597)
|
(18 999)
|
(20 070)
|
(20 763)
|
(20 980)
|
(20 711)
|
(21 395)
|
(21 520)
|
(22 142)
|
(22 233)
|
(22 827)
|
(23 446)
|
(23 659)
|
|
| Pre-Tax Income |
12 257
N/A
|
10 908
-11%
|
9 396
-14%
|
8 287
-12%
|
7 099
-14%
|
6 256
-12%
|
5 789
-7%
|
5 152
-11%
|
5 753
+12%
|
7 000
+22%
|
8 112
+16%
|
8 956
+10%
|
11 100
+24%
|
11 454
+3%
|
13 038
+14%
|
13 210
+1%
|
10 625
-20%
|
10 755
+1%
|
9 753
-9%
|
10 302
+6%
|
10 244
-1%
|
10 375
+1%
|
10 039
-3%
|
9 910
-1%
|
10 748
+8%
|
11 575
+8%
|
12 206
+5%
|
12 791
+5%
|
12 424
-3%
|
12 173
-2%
|
12 375
+2%
|
12 781
+3%
|
13 746
+8%
|
14 315
+4%
|
13 858
-3%
|
13 745
-1%
|
14 083
+2%
|
13 564
-4%
|
14 004
+3%
|
14 302
+2%
|
14 184
-1%
|
14 397
+2%
|
14 555
+1%
|
14 493
0%
|
14 710
+1%
|
14 825
+1%
|
14 285
-4%
|
13 805
-3%
|
13 520
-2%
|
12 843
-5%
|
11 690
-9%
|
9 744
-17%
|
8 311
-15%
|
7 589
-9%
|
7 973
+5%
|
9 324
+17%
|
10 120
+9%
|
10 560
+4%
|
11 411
+8%
|
12 307
+8%
|
13 051
+6%
|
14 464
+11%
|
15 481
+7%
|
15 842
+2%
|
16 237
+2%
|
16 806
+4%
|
17 066
+2%
|
17 471
+2%
|
18 354
+5%
|
18 647
+2%
|
19 905
+7%
|
21 293
+7%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(3 774)
|
(3 243)
|
(3 120)
|
(2 822)
|
(2 245)
|
(1 858)
|
(2 955)
|
(2 551)
|
(2 664)
|
(2 986)
|
(3 023)
|
(3 025)
|
(3 274)
|
(3 262)
|
(2 066)
|
(2 087)
|
(1 583)
|
(1 605)
|
(1 433)
|
(1 441)
|
(1 799)
|
(1 854)
|
(1 794)
|
(1 947)
|
(1 929)
|
(2 005)
|
(2 144)
|
(1 909)
|
(1 527)
|
(1 494)
|
(1 509)
|
(1 799)
|
(2 103)
|
(2 159)
|
(2 081)
|
(1 984)
|
(1 997)
|
(2 006)
|
(2 032)
|
(2 178)
|
(2 091)
|
(1 742)
|
(1 853)
|
(1 786)
|
(2 064)
|
(2 471)
|
(2 205)
|
(2 145)
|
(1 949)
|
(1 915)
|
(1 871)
|
(1 500)
|
(1 270)
|
(1 095)
|
(1 010)
|
(1 163)
|
(1 317)
|
(1 325)
|
(1 455)
|
(1 757)
|
(2 080)
|
(2 418)
|
(2 819)
|
(3 154)
|
(3 254)
|
(3 445)
|
(3 650)
|
(3 476)
|
(3 408)
|
(3 399)
|
(3 275)
|
(3 446)
|
|
| Income from Continuing Operations |
8 483
|
7 665
|
6 275
|
5 465
|
4 853
|
4 399
|
2 833
|
2 601
|
3 089
|
4 014
|
5 090
|
5 931
|
7 827
|
8 192
|
10 972
|
11 123
|
9 042
|
9 150
|
8 320
|
8 862
|
8 445
|
8 521
|
8 245
|
7 963
|
8 818
|
9 569
|
10 062
|
10 882
|
10 897
|
10 679
|
10 866
|
10 982
|
11 643
|
12 155
|
11 777
|
11 761
|
12 086
|
11 559
|
11 972
|
12 125
|
12 093
|
12 655
|
12 702
|
12 707
|
12 647
|
12 354
|
12 081
|
11 661
|
11 572
|
10 928
|
9 819
|
8 244
|
7 041
|
6 494
|
6 963
|
8 161
|
8 804
|
9 235
|
9 956
|
10 550
|
10 971
|
12 046
|
12 662
|
12 687
|
12 982
|
13 361
|
13 416
|
13 995
|
14 945
|
15 249
|
16 630
|
17 846
|
|
| Net Income (Common) |
7 223
N/A
|
6 405
-11%
|
5 015
-22%
|
4 205
-16%
|
4 853
+15%
|
4 399
-9%
|
2 833
-36%
|
2 601
-8%
|
3 089
+19%
|
4 014
+30%
|
5 090
+27%
|
5 931
+17%
|
7 827
+32%
|
8 192
+5%
|
10 972
+34%
|
11 123
+1%
|
9 042
-19%
|
9 150
+1%
|
8 320
-9%
|
8 862
+7%
|
8 445
-5%
|
8 521
+1%
|
8 245
-3%
|
7 963
-3%
|
8 818
+11%
|
9 569
+9%
|
10 062
+5%
|
10 882
+8%
|
10 897
+0%
|
10 679
-2%
|
10 866
+2%
|
10 982
+1%
|
11 643
+6%
|
12 155
+4%
|
11 777
-3%
|
11 761
0%
|
12 086
+3%
|
11 559
-4%
|
11 972
+4%
|
12 125
+1%
|
12 093
0%
|
12 655
+5%
|
12 702
+0%
|
12 707
+0%
|
12 647
0%
|
12 354
-2%
|
12 081
-2%
|
11 661
-3%
|
11 572
-1%
|
10 928
-6%
|
9 819
-10%
|
8 244
-16%
|
7 041
-15%
|
6 494
-8%
|
6 963
+7%
|
8 161
+17%
|
8 804
+8%
|
9 235
+5%
|
9 956
+8%
|
10 550
+6%
|
10 971
+4%
|
12 046
+10%
|
12 662
+5%
|
12 687
+0%
|
12 982
+2%
|
13 361
+3%
|
13 416
+0%
|
13 995
+4%
|
14 945
+7%
|
15 249
+2%
|
16 630
+9%
|
17 846
+7%
|
|
| EPS (Diluted) |
0.72
N/A
|
0.53
-26%
|
0.44
-17%
|
0.35
-20%
|
0.41
+17%
|
0.39
-5%
|
0.23
-41%
|
0.21
-9%
|
0.26
+24%
|
0.34
+31%
|
0.43
+26%
|
0.5
+16%
|
0.66
+32%
|
0.69
+5%
|
0.93
+35%
|
0.93
N/A
|
0.76
-18%
|
0.77
+1%
|
0.7
-9%
|
0.75
+7%
|
0.71
-5%
|
0.72
+1%
|
0.69
-4%
|
0.67
-3%
|
0.74
+10%
|
0.8
+8%
|
0.85
+6%
|
0.92
+8%
|
0.92
N/A
|
0.9
-2%
|
0.91
+1%
|
0.92
+1%
|
0.98
+7%
|
1.02
+4%
|
0.99
-3%
|
0.99
N/A
|
1.02
+3%
|
0.97
-5%
|
1.01
+4%
|
1.02
+1%
|
1.02
N/A
|
1.07
+5%
|
1.07
N/A
|
1.07
N/A
|
1.06
-1%
|
1.04
-2%
|
1.02
-2%
|
0.98
-4%
|
0.97
-1%
|
0.92
-5%
|
0.83
-10%
|
0.69
-17%
|
0.59
-14%
|
0.55
-7%
|
0.59
+7%
|
0.69
+17%
|
0.74
+7%
|
0.78
+5%
|
0.84
+8%
|
0.89
+6%
|
0.93
+4%
|
1.01
+9%
|
1.04
+3%
|
1.07
+3%
|
1.1
+3%
|
1.12
+2%
|
1.1
-2%
|
1.18
+7%
|
1.26
+7%
|
1.29
+2%
|
1.4
+9%
|
1.51
+8%
|
|