Taiwan’s domestic banks generated NT$85.754 billion in combined after-tax profit from Offshore Banking Units (OBUs) and overseas branches in the first half of the year, up 14.8% from a year earlier and the highest level ever recorded for the same period, according to central bank statistics cited by ABMedia.
The report linked the gain to global supply-chain reorganization, faster overseas expansion by Taiwanese businesses, and stronger demand for cross-border capital and financial services. It also said the government’s policy push to build an Asian asset management center has added to demand for those services.
First-half profit tops NT$80 billion for the first time
ABMedia said after-tax profit from OBUs and overseas branches reached a combined NT$85.754 billion in the first six months, the first time the figure has exceeded NT$80 billion. Second-quarter after-tax profit was about NT$44.3 billion, keeping quarterly profit above NT$40 billion for two straight quarters.
The first-half performance, the report said, laid the groundwork for full-year profit growth.
2025 full-year figure was NT$149.63 billion
Looking back at 2025, domestic banks and overseas branches posted NT$149.63 billion in after-tax profit for the full year, up 35.7%. ABMedia said financial institutions broadly remain positive on demand for offshore financial services as overseas corporate investment, supply-chain shifts, and cross-border capital flows continue to rise.
If the second-half trend continues, the report said, full-year profit could set another record high.
Private-sector financial groups took the top five spots
By bank, the top five performers in first-half profit from OBUs and overseas branches were all lenders under private financial holding groups: CTBC Bank, Taipei Fubon Bank, E.SUN Bank, SinoPac Bank, and Cathay United Bank.
Those five banks posted a combined NT$47.74 billion in after-tax profit, representing 55.7% of the overall total. ABMedia said the figures point to a high concentration of profit in offshore financial business and reflect the relative strength of private banks in overseas networks, cross-border finance, and services for Taiwanese businesses operating abroad.
CTBC and Taipei Fubon were the only banks above NT$10 billion
CTBC Bank ranked first with NT$19.885 billion in profit, putting it close to the NT$20 billion mark. Taipei Fubon Bank followed with NT$10.05 billion. They were the only two banks whose first-half offshore profit exceeded NT$10 billion.
E.SUN Bank ranked third with NT$7.15 billion, followed by SinoPac Bank at NT$5.886 billion and Cathay United Bank at NT$4.77 billion.
Among the top 10 banks, eight recorded positive growth. On the state-backed side, Mega International Commercial Bank, First Commercial Bank, Bank of Taiwan, and Chang Hwa Bank made the list.
Five takeaways highlighted in the report
- Combined first-half after-tax profit from OBUs and overseas branches reached NT$85.754 billion, up 14.8% and a record for the same period, while second-quarter profit stayed above NT$40 billion for a second straight quarter.
- The top five banks produced NT$47.74 billion in profit, or 55.7% of the total, and all five were banks under private financial holding groups.
- CTBC Bank and Taipei Fubon Bank were the only lenders with profit above NT$10 billion, at NT$19.885 billion and NT$10.05 billion, respectively.
- Private banks showed stronger positioning in cross-border finance and services for Taiwanese businesses abroad, while four state-backed banks were included in the top 10.
- ABMedia said profit could reach another record this year if momentum in AI-driven supply-chain shifts, overseas investment by Taiwanese businesses, and cross-border capital flows continues in the second half.