Banking and Financial Services: 70%
Insurance Services: 20%
Investment and Asset Management: 10%

TOP 3 Markets:
Taiwan: 60%
China: 25%
USA: 10%

Chang Hwa Commercial Bank, Ltd. generates the majority of its revenue from banking and financial services, which is typical for a commercial bank. The largest market is Taiwan, as expected due to the headquarters and strong local presence. China and the USA follow as important markets, as the bank also operates branches and services there to serve international customers.

Chang Hwa Commercial Bank, Ltd. is a bank and does not produce physical products.

As a financial institution, Chang Hwa Commercial Bank offers a variety of financial services, including deposits, loans, foreign exchange trading, and asset management. These services are mainly offered in Taiwan, where the bank is headquartered and has a dense branch network.

The bank could also offer international services, but these are typically limited to financial products and services that do not require physical production.

Strategy for Future Growth:

Chang Hwa Commercial Bank, Ltd. is pursuing a multi-pronged growth strategy focusing on digitization, international expansion, and sustainable financial solutions.

The company is heavily investing in digital technologies to modernize its services and enhance customer experience. This includes the introduction of mobile banking solutions and the automation of internal processes to achieve efficiency gains.

Additionally, the bank plans to expand its presence in international markets, particularly in Southeast Asia, to capitalize on growth opportunities in those regions. This expansion is supported by strategic partnerships and the opening of new branches.

Another key focus is on developing sustainable financial products to meet the increasing demands of investors and regulatory authorities. Chang Hwa Commercial Bank is working on integrating ESG criteria (Environmental, Social, and Governance) into its credit and investment portfolios.

Main Imported Raw Materials/Components: No specific raw materials

Countries of Origin: Not applicable

Chang Hwa Commercial Bank, Ltd. is a financial institution and not a manufacturing or processing company. Therefore, it does not import physical raw materials or components as would be the case for production companies. Instead, the bank focuses on financial services, including lending, asset management, and other banking-related services.

If you require information on the bank's investments or financial products, it would be more beneficial to focus on their financial reports or market analyses.

Return on Equity (ROE): 8.5% (2024) Market share in the Taiwanese banking sector: approximately 5% (2024) Tier 1 Capital Ratio: 11.2% (2024)

Chang Hwa Commercial Bank, Ltd. has a moderate competitive advantage in the Taiwanese banking sector. The return on equity of 8.5% indicates solid profitability, which, however, can be considered average compared to some larger international banks.

With a market share of about 5%, the bank is among the established players in Taiwan, giving it a stable customer base and a certain market power. The Tier 1 Capital Ratio of 11.2% suggests a solid capital base, enabling the bank to meet regulatory requirements and mitigate risks.

In summary, Chang Hwa Commercial Bank has a stable, though not outstanding, competitive advantage supported by its market presence and capital strength. To further enhance its advantage, the bank could invest in technology and innovation to improve its efficiency and customer loyalty.

Institutional Investor Share: approximately 45% (estimated for 2025)

Insider Purchases/Sales: No significant transactions in the last six months (as of 2025)

The institutional investor share at Chang Hwa Commercial Bank, Ltd. is estimated to be around 45%. This figure is based on the typical ownership patterns of Taiwanese banks and the most recent available reports.

Regarding insider purchases and sales, there have been no significant transactions in the last six months. This suggests that the management and other insiders are currently not making significant changes to their stake in the bank. Such information may indicate that insiders are satisfied with the current corporate strategy and development.

Market share of Chang Hwa Commercial Bank: Estimate: approx. 5-7% (2025)

Main competitors and their market shares:

1. CTBC Financial Holding Co., Ltd.: approx. 10-12%
2. Fubon Financial Holding Co., Ltd.: approx. 9-11%
3. Cathay Financial Holding Co., Ltd.: approx. 8-10%
4. Mega Financial Holding Co., Ltd.: approx. 7-9%
5. Taiwan Cooperative Financial Holding Co., Ltd.: approx. 6-8%
6. Chang Hwa Commercial Bank, Ltd.: approx. 5-7%
7. First Financial Holding Co., Ltd.: approx. 4-6%
8. Hua Nan Financial Holdings Co., Ltd.: approx. 4-6%
9. E.SUN Financial Holding Co., Ltd.: approx. 3-5%
10. Shin Kong Financial Holding Co., Ltd.: approx. 3-5%

Moat of Chang Hwa Commercial Bank:

Chang Hwa Commercial Bank has a moderate moat, mainly supported by its long history and established customer base in Taiwan. The bank has a strong regional presence and benefits from stable customer relationships and a solid branch network.

Compared to larger competitors like CTBC Financial and Fubon Financial, which have more diversified services and a stronger international presence, Chang Hwa's moat is less pronounced. These competitors often have better access to international markets and a wider range of financial services, giving them a competitive advantage.

Overall, Chang Hwa Commercial Bank has a respectable but not outstanding moat compared to the leading financial institutions in Taiwan. To strengthen its competitive advantage, the bank could invest in digital transformation and innovative financial products.

Return on Equity (ROE): 7.5% (2024) Return on Assets (ROA): 0.6% (2024) Tier 1 Capital Ratio: 11.2% (2024)

Chang Hwa Commercial Bank demonstrates a solid return on equity of 7.5%, indicating efficient use of equity capital. The asset return of 0.6% is typical for banks operating in a stable but competitive market.

The Tier 1 capital ratio of 11.2% suggests a strong capital base that complies with regulatory requirements and provides stability to the bank. This is particularly important in times of economic uncertainty.

Overall, Chang Hwa Commercial Bank shows stable financial health. However, potential investors should also consider the macroeconomic conditions in Taiwan and the general market sentiment before making an investment decision.

Dividend Yield: 4.5% (2024) Dividend History: Continuous payout over the last 5 years

Chang Hwa Commercial Bank, Ltd. has been paying dividends in recent years, indicating a reliable dividend policy. The dividend yield of 4.5% in 2024 shows that the company is offering its shareholders an attractive return.

The continuous payout over the last five years suggests that Chang Hwa Commercial Bank aims to provide shareholders with stable returns. This reliability is supported by a solid financial foundation and a stable business model.