Stock Market Surge and Loan Growth Boost National Banks' Pre-Tax Profits to New High of NT$117.6 Billion in First Two Months
The Financial Supervisory Commission announced that national banks' pre-tax profits reached NT$117.63 billion in the first two months of this year, a new historical high for the same period, up NT$17.57 billion or 17.6% year-on-year. This growth was primarily driven by loan expansion and a surging stock market, boosting banks' interest, fee, investment, and other net incomes. As of the end of February, total outstanding loans reached NT$45.8721 trillion, a monthly increase of NT$568.7 billion, marking the second-highest single-month increase in history.
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- 📰 Published: April 9, 2026 at 20:22
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The Financial Supervisory Commission (FSC) today announced the pre-tax profit status of domestic banks for the first two months of this year, and also released the overdue loan situation of domestic banks as of the end of February.
Zhang Jia-kui, Deputy Director-General of the FSC's Banking Bureau, stated at a press conference that the pre-tax profit of all domestic banks for the first two months of this year reached NT$117.63 billion, setting a new historical high for the same period. This represents an increase of NT$17.57 billion, or 17.6%, compared to the same period last year, primarily benefiting from loan growth and a surging stock market, which drove increases in banks' interest, fee, investment, and other net incomes.
Observing the performance of various types of branches, Zhang Jia-kui pointed out that domestic head offices and branches, overseas branches, and offshore banking units (OBUs) all showed growth compared to the same period last year. Only branches in mainland China experienced a year-on-year decline, mainly due to a decrease in interest, investment, and other net incomes.
As for the single-month pre-tax profit of national banks in February, it was NT$50.76 billion, a decrease of NT$16.1 billion from the previous month. Zhang Jia-kui explained that this was mainly due to a higher base in January, coupled with the Lunar New Year holiday and fewer working days in February, resulting in a month-on-month decrease in profit.
FSC statistics show that as of the end of February, there were 38 domestic banks. The total outstanding loan balance was NT$45.8721 trillion, a month-on-month increase of NT$568.7 billion. Overdue loans amounted to NT$68.4 billion, a month-on-month increase of NT$1.134 billion. The overdue loan ratio was 0.15%, the same as at the end of January, and a decrease of 0.01 percentage points compared to the same period last year.
The total outstanding loan balance of national banks at the end of February was NT$45.8721 trillion, a month-on-month increase of NT$568.7 billion, marking the second-highest single-month increase in history and a new high for the same period. Zhang Jia-kui pointed out that in terms of loan recipients, the largest increase was for private enterprises, with a month-on-month increase of NT$324.1 billion. This was due to strong market demand, which drove continuous growth in operating capital needs for private enterprises, such as inventory procurement, coupled with the booming application of AI, which boosted loan amounts. Government agencies saw a month-on-month increase of NT$174.5 billion due to short-term capital adjustment needs.
According to FSC statistics, the top three banks with the largest single-month loan increases in February were Bank of Taiwan (NT$89.9 billion), CTBC Bank (NT$78.4 billion), and First Commercial Bank (NT$65.1 billion).
In addition, observing the deposit balance of national banks at the end of February, it was NT$63.9432 trillion, a month-on-month increase of NT$513.7 billion. Zhang Jia-kui explained that this was mainly due to the inflow of loan and investment funds, coupled with seasonal factors during the Lunar New Year, when individuals and enterprises typically retain more funds for adjustment. (Editor: Yang Kai-hsiang) 1150409
Zhang Jia-kui, Deputy Director-General of the FSC's Banking Bureau, stated at a press conference that the pre-tax profit of all domestic banks for the first two months of this year reached NT$117.63 billion, setting a new historical high for the same period. This represents an increase of NT$17.57 billion, or 17.6%, compared to the same period last year, primarily benefiting from loan growth and a surging stock market, which drove increases in banks' interest, fee, investment, and other net incomes.
Observing the performance of various types of branches, Zhang Jia-kui pointed out that domestic head offices and branches, overseas branches, and offshore banking units (OBUs) all showed growth compared to the same period last year. Only branches in mainland China experienced a year-on-year decline, mainly due to a decrease in interest, investment, and other net incomes.
As for the single-month pre-tax profit of national banks in February, it was NT$50.76 billion, a decrease of NT$16.1 billion from the previous month. Zhang Jia-kui explained that this was mainly due to a higher base in January, coupled with the Lunar New Year holiday and fewer working days in February, resulting in a month-on-month decrease in profit.
FSC statistics show that as of the end of February, there were 38 domestic banks. The total outstanding loan balance was NT$45.8721 trillion, a month-on-month increase of NT$568.7 billion. Overdue loans amounted to NT$68.4 billion, a month-on-month increase of NT$1.134 billion. The overdue loan ratio was 0.15%, the same as at the end of January, and a decrease of 0.01 percentage points compared to the same period last year.
The total outstanding loan balance of national banks at the end of February was NT$45.8721 trillion, a month-on-month increase of NT$568.7 billion, marking the second-highest single-month increase in history and a new high for the same period. Zhang Jia-kui pointed out that in terms of loan recipients, the largest increase was for private enterprises, with a month-on-month increase of NT$324.1 billion. This was due to strong market demand, which drove continuous growth in operating capital needs for private enterprises, such as inventory procurement, coupled with the booming application of AI, which boosted loan amounts. Government agencies saw a month-on-month increase of NT$174.5 billion due to short-term capital adjustment needs.
According to FSC statistics, the top three banks with the largest single-month loan increases in February were Bank of Taiwan (NT$89.9 billion), CTBC Bank (NT$78.4 billion), and First Commercial Bank (NT$65.1 billion).
In addition, observing the deposit balance of national banks at the end of February, it was NT$63.9432 trillion, a month-on-month increase of NT$513.7 billion. Zhang Jia-kui explained that this was mainly due to the inflow of loan and investment funds, coupled with seasonal factors during the Lunar New Year, when individuals and enterprises typically retain more funds for adjustment. (Editor: Yang Kai-hsiang) 1150409