E.SUN Financial Holding Company (2884) Q2 2026 earnings summary

Executive summary

• Achieved record high net profit of TWD 21.4 billion in Q2 2026, with strong growth in banking and securities.

• Net fee income grew 39.9% year-over-year, setting a new record.

• EPS was TWD 1.32, ROE at 15.46%, and ROA at 0.91% for 1H26.

• Acquisition of Mercuries Life Insurance approved, closing September 1, 2026, making the group Taiwan's fifth-largest FHC by assets.

• Recognized for ESG leadership, sustainability, and innovation with multiple awards.

Financial highlights

• Total assets reached TWD 4.8 trillion for FHC and TWD 4.7 trillion for the bank.

• Net revenue was TWD 53.8 billion, up 24.8% year-over-year.

• Net interest income was TWD 24.4 billion (+27.2% YoY); net fee income TWD 19.8 billion (+39.9% YoY).

• Loan balance reached TWD 2.84 trillion, up 16.1% year-over-year; deposit balance TWD 3.99 trillion, up 15%.

• Overseas branches contributed 25.3% of bank net profit; overseas loan balance grew 20.5% YTD.

Outlook and guidance

• NIM expected to improve, targeting 1.33% by year-end.

• Loan growth guidance revised to 13%-14% for the year; deposit growth to 12%-14%.

• Wealth management fee income expected to maintain double-digit growth.

• Post-acquisition, the group will have three core profit engines: banking, insurance, and securities.

• Progressive dividend policy maintained, aiming for dividend yield above 4%.