O-Bank Announces 2025 Operating Results at Investor Conference
每股稅後盈餘0.61元 普通股現金股利0.52元創上市以來新高
EPS of NT$0.61; Common Share Cash Dividend of NT$0.52 per Share Reaches a Record High Since Listing
回顧王道銀行2025年合併財報表現，王道銀行合併總資產為新台幣7,013億元，較前一年成長近3%；合併淨收益為新台幣99.66億元，較前一年減少2%；合併稅後淨利新台幣31.49億元，較前一年減少19%。在主要子公司方面，中華票券2025年稅後淨利為新台幣17.96億元，較前一年成長近31%；美國華信銀行稅後淨利為新台幣3.89億元，較前一年減少39%，若排除2024年度因呆帳回收之一次性收益，2025年稅後淨利則較前一年成長11%。
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.
在個體財報表現方面，王道銀行2025年個體總資產為新台幣4,165億元，較前一年增加約1%，淨收益新台幣66.9億元，較前一年減少14%；個體稅後淨利為18.31億元，較前一年減少36%，每股稅後盈餘（EPS）為新台幣0.61元。其中，若扣除轉投資收益，2025年銀行本業淨收益為新台幣63.02億元，較前一年減少5%，本業稅前淨利為新台幣18.04億元，較前一年減少21%。
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.
王道銀行總經理李芳遠表示：「王道銀行2025年度獲利較前一年度減少的主要原因，係因權益法轉投資之租賃事業深受大陸經濟市場的影響，進而影響轉投資收益；然由於當期稅後淨利與期初未分配盈餘，加計其他綜合損益之債券未實現評價回升所致前期提列特別盈餘公積迴轉，董事會仍決議配發新台幣0.52元股利，持續為股東創造穩定的報酬。」
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.”
展望2026年，王道銀行將持續推展輕資本業務，加強銷售低資本耗用產品以提升資本報酬率；同時也將提升數位及零售存款占比，健全資產負債結構；另外，王道銀行將優化行動銀行與數位平台，並將提升數據及AI治理應用，以落實數位轉型；在海外布局方面，將加速雪梨代表處升格分行準備作業，且將善用新加坡戰略平台開拓東南亞市場，以及透過美國華信銀行據點以服務前往美國投資之客戶；王道銀行亦將持續結合銀行服務實踐永續金融，推動集團永續轉型。
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.