Taiwanese Banks' Loans Surge by Over NT$700 Billion in March, Q1 Profits Hit Record NT$174.2 Billion
Taiwan's Financial Supervisory Commission announced that domestic banks' total loan balance increased by NT$707.7 billion in March, marking the largest monthly increase in history. This surge also propelled the banks' pre-tax profits for the first quarter to a record high of NT$174.28 billion, driven by increased demand from businesses and individuals.
📋 Article Processing Timeline
- 📰 Published: May 7, 2026 at 19:45
- 🔍 Collected: May 7, 2026 at 20:02 (16 min after Published)
- 🤖 AI Analyzed: May 7, 2026 at 20:41 (39 min after Collected)
Central News Agency
(Central News Agency reporter Su Ssu-yun, Taipei 7th) The Financial Supervisory Commission (FSC) announced today that the total loan balance of domestic banks increased by NT$707.7 billion in March, setting a new record for the largest monthly increase in history. This simultaneously drove the domestic banks' pre-tax profits for the first quarter to NT$174.28 billion, a new high for the same period in previous years. In addition, the banks' loan-to-deposit ratio at the end of March rose to 72.56%, the highest in nearly six years since July 2020.
The FSC today released data on domestic banks' overdue loans and profitability. Zhang Jia-kui, Deputy Director-General of the Banking Bureau of the FSC, pointed out that the overall pre-tax profit of domestic banks was NT$174.28 billion, an annual increase of 20.5%. This was mainly due to loan growth, which drove the growth of interest, fee, investment, and other net income.
Further observation shows that the pre-tax profit of domestic head offices and branches in the first quarter was NT$129 billion, OBU (Offshore Banking Units) was NT$25.04 billion, overseas branches were NT$19.43 billion, and branches in Mainland China were NT$0.81 billion. Except for the branches in Mainland China, which saw an annual decrease of 3.2%, all others showed annual growth. Zhang Jia-kui explained that the decrease in Mainland China was mainly due to reduced interest and net investment income.
FSC statistics show that as of the end of March, there were 38 domestic banks. The total loan balance was NT$46.5798 trillion, a monthly increase of NT$707.7 billion, the largest monthly increase in history. Overdue loans amounted to NT$68.885 billion, a monthly increase of NT$0.485 billion. The overdue loan ratio was 0.15%, the same as at the end of February, and a decrease of 0.01 percentage points compared to the same period last year.
Zhang Jia-kui pointed out that the increase in the total loan balance in March was driven by three factors: first, the continuous growth in demand from private enterprises for inventory, material purchases, and operational needs; second, the expansion of import and export financing demand, which drove domestic and international loan growth; and third, an increase in loans for wealth management purposes.
In terms of usage, Zhang Jia-kui explained that working capital loans increased by NT$622.2 billion, the largest monthly increase in history. Loans for movable property purchases increased by NT$31.3 billion, including increased demand for personal car purchases. Corporate investment loans increased by NT$28.1 billion. Real estate purchase loans increased by NT$26.1 billion, mainly due to rigid demand in the market and programs like 'New Youth An' (a housing loan program).
According to FSC statistics, the top three banks with the largest monthly loan increases in March were Taiwan Bank (NT$158.4 billion), Cathay United Bank (NT$87.6 billion), and Mega International Commercial Bank (NT$68.6 billion).
As for domestic banks' deposit balance at the end of March, it was NT$64.191 trillion, a monthly increase of NT$247.7 billion. Zhang Jia-kui explained that this was mainly due to the inflow of corporate payments and liquid funds from the investment market.
FSC data shows that the banks' loan-to-deposit ratio reached 72.56% at the end of March, a new high since July 2020. Zhang Jia-kui pointed out that while the loan-to-deposit ratio has indeed increased recently due to continuously rising market loans, it has actually hovered around 70% in recent years, and even reached about 72.12% in March last year, which is still within a reasonable range. (Editor: Pan Yi-ching) 1150507
Choose to stand with facts, every sponsorship you make is a force to protect press freedom.
Download the Central News Agency's "First-hand News" APP to stay updated with the latest news.
The text, images, and videos on this website may not be reproduced, publicly broadcast, publicly transmitted, or utilized without authorization.
(Central News Agency reporter Su Ssu-yun, Taipei 7th) The Financial Supervisory Commission (FSC) announced today that the total loan balance of domestic banks increased by NT$707.7 billion in March, setting a new record for the largest monthly increase in history. This simultaneously drove the domestic banks' pre-tax profits for the first quarter to NT$174.28 billion, a new high for the same period in previous years. In addition, the banks' loan-to-deposit ratio at the end of March rose to 72.56%, the highest in nearly six years since July 2020.
The FSC today released data on domestic banks' overdue loans and profitability. Zhang Jia-kui, Deputy Director-General of the Banking Bureau of the FSC, pointed out that the overall pre-tax profit of domestic banks was NT$174.28 billion, an annual increase of 20.5%. This was mainly due to loan growth, which drove the growth of interest, fee, investment, and other net income.
Further observation shows that the pre-tax profit of domestic head offices and branches in the first quarter was NT$129 billion, OBU (Offshore Banking Units) was NT$25.04 billion, overseas branches were NT$19.43 billion, and branches in Mainland China were NT$0.81 billion. Except for the branches in Mainland China, which saw an annual decrease of 3.2%, all others showed annual growth. Zhang Jia-kui explained that the decrease in Mainland China was mainly due to reduced interest and net investment income.
FSC statistics show that as of the end of March, there were 38 domestic banks. The total loan balance was NT$46.5798 trillion, a monthly increase of NT$707.7 billion, the largest monthly increase in history. Overdue loans amounted to NT$68.885 billion, a monthly increase of NT$0.485 billion. The overdue loan ratio was 0.15%, the same as at the end of February, and a decrease of 0.01 percentage points compared to the same period last year.
Zhang Jia-kui pointed out that the increase in the total loan balance in March was driven by three factors: first, the continuous growth in demand from private enterprises for inventory, material purchases, and operational needs; second, the expansion of import and export financing demand, which drove domestic and international loan growth; and third, an increase in loans for wealth management purposes.
In terms of usage, Zhang Jia-kui explained that working capital loans increased by NT$622.2 billion, the largest monthly increase in history. Loans for movable property purchases increased by NT$31.3 billion, including increased demand for personal car purchases. Corporate investment loans increased by NT$28.1 billion. Real estate purchase loans increased by NT$26.1 billion, mainly due to rigid demand in the market and programs like 'New Youth An' (a housing loan program).
According to FSC statistics, the top three banks with the largest monthly loan increases in March were Taiwan Bank (NT$158.4 billion), Cathay United Bank (NT$87.6 billion), and Mega International Commercial Bank (NT$68.6 billion).
As for domestic banks' deposit balance at the end of March, it was NT$64.191 trillion, a monthly increase of NT$247.7 billion. Zhang Jia-kui explained that this was mainly due to the inflow of corporate payments and liquid funds from the investment market.
FSC data shows that the banks' loan-to-deposit ratio reached 72.56% at the end of March, a new high since July 2020. Zhang Jia-kui pointed out that while the loan-to-deposit ratio has indeed increased recently due to continuously rising market loans, it has actually hovered around 70% in recent years, and even reached about 72.12% in March last year, which is still within a reasonable range. (Editor: Pan Yi-ching) 1150507
Choose to stand with facts, every sponsorship you make is a force to protect press freedom.
Download the Central News Agency's "First-hand News" APP to stay updated with the latest news.
The text, images, and videos on this website may not be reproduced, publicly broadcast, publicly transmitted, or utilized without authorization.