O-Bank Announces 2025 Operating Results at Investor Conference

(中央社財經訊息服務20260401 16:20:39)O-Bank held its 2025 online investor conference today (April 1), presenting an overview of its 2025 operating performance and its outlook for 2026. In 2025, O-Bank reported consolidated net revenue of NT$9.966 billion and consolidated net profit after tax of NT$3.149 billion. On a standalone basis, net revenue was NT$6.69 billion and net profit after tax was NT$1.831 billion. Earnings per share (EPS) was NT$0.61. The Board of Directors recently approved a proposed cash dividend of NT$0.52 per common share, marking a record high since O-Bank’s listing.

Reviewing O-Bank’s 2025 consolidated financial results, total consolidated assets reached NT$701.3 billion, representing a year-on-year increase of nearly 3%. Consolidated net revenue was NT$9.966 billion, a decrease of 2% compared with the previous year, while consolidated net profit after tax was NT$3.149 billion, a decrease of 19% year-on-year. Among major subsidiaries, China Bills Finance Corporation reported net profit after tax of NT$1.796 billion in 2025, representing a year-on-year increase of nearly 31%. EverTrust Bank reported net profit after tax of NT$389 million, a decrease of 39% compared with the previous year. Excluding the one-off gain from bad debt recoveries recognized in 2024, its 2025 net profit after tax increased by 11% year-on-year.

On a standalone basis, O-Bank’s total assets in 2025 were NT$416.5 billion, an increase of approximately 1% from the previous year. Net revenue was NT$6.69 billion, a decrease of 14% year-on-year, and net profit after tax was NT$1.831 billion, down 36% compared with the previous year. Earnings per share (EPS) was NT$0.61. Excluding equity-accounted investment income, O-Bank’s core banking business generated net revenue of NT$6.302 billion in 2025, a decrease of 5% year-on-year, while pre-tax profit from core banking business was NT$1.804 billion, down 21% compared with the previous year.

O-Bank President Fang-Yuan Lee stated, “The primary reason for the decline in O-Bank’s profitability in 2025 compared with the previous year was the impact of economic conditions in China on its equity-accounted investee leasing business, which in turn affected investment income. Nevertheless, supported by the current-period net profit after tax and the beginning unappropriated earnings, together with the reversal of special reserve provisions due to the recovery of unrealized valuation losses on bonds recognized in other comprehensive income, the Board has resolved to distribute a cash dividend of NT$0.52 per share, continuing to deliver stable returns to shareholders.”

Looking ahead to 2026, O-Bank will continue to expand light-capital businesses and strengthen the sales of products with lower capital requirements to enhance return on capital. O-Bank will also increase the proportion of digital and retail deposits to further optimize its asset-liability structure. In addition, O-Bank will enhance its mobile banking and digital platforms, while advancing data governance and AI applications to drive digital transformation. For its overseas expansion, O-Bank will accelerate preparations to upgrade its Sydney Representative Office into a branch and leverage its Singapore strategic platform to expand into Southeast Asian markets, while also making good use of EverTrust Bank's locations to serve customers investing in the United States. O-Bank will also continue to integrate banking services with sustainable finance initiatives to support the Group’s transition toward sustainability.