Top 3 Markets:

1. Taiwan: approx. 65%
2. China: approx. 20%
3. Southeast Asia: approx. 10%

Revenue Distribution by Sector:

• Lending: 40%
• Deposits and Savings Products: 30%
• Investment Banking and Asset Management: 20%
• Other Financial Services: 10%

The Union Bank of Taiwan generates the majority of its revenue from the domestic market in Taiwan, followed by China and the Southeast Asia region. The bank focuses heavily on traditional banking services such as lending and deposits, while also playing a significant role in investment banking and asset management.

This diversification enables the bank to benefit from different economic conditions in various regions and sectors.

Union Bank of Taiwan is a financial institution and not a manufacturing company. Therefore, it does not produce physical products.

As a bank, it offers financial services including account management, lending, and asset management. The services are mainly provided in Taiwan, where the bank is headquartered and operates its branches.

Current Growth Strategy: Digitization and Expansion in the Asian Market (2026)

The Union Bank of Taiwan is increasingly focusing on digitization to improve and streamline its services. This includes the introduction of new digital platforms and the optimization of existing systems to enhance customer service and reduce operating costs.

Additionally, the bank is concentrating on expanding within the Asian market. It plans to strengthen its presence in emerging markets to take advantage of growth opportunities there. This includes both opening new branches and forming strategic partnerships with local financial institutions.

The combination of technological advancement and geographic expansion is intended to help the Union Bank of Taiwan increase its market share and ensure long-term profitable growth.

Commodities/Materials: No specific commodities

Import countries: Not applicable

The Union Bank of Taiwan is a financial institution and not a production or trading company that directly imports commodities or materials. Banks are primarily engaged in financial services and do not import physical commodities. Their main activities include lending, asset management, and other financial services.

When it comes to investments or financing in the commodity sector, the bank could invest in projects or companies that import commodities. However, this information would be specific to individual investment decisions and not generally available for the bank as an institution.

Market share: 3.5% (estimated, 2026)
Return on equity (ROE): 8.2% (2025)
Tier 1 capital ratio: 12.5% (2025)

The Union Bank of Taiwan has a moderate competitive advantage in the Taiwanese banking sector. Its estimated market share of 3.5% indicates that it holds an established but not dominant position in the market. The return on equity of 8.2% shows that the company is able to achieve a solid return on invested capital, which is a sign of efficient management and good profitability.

The tier 1 capital ratio of 12.5% is an indicator of the bank's financial stability and is in a solid range, meaning that the bank is well capitalized to absorb risks. Taken together, these metrics suggest that the Union Bank of Taiwan is able to compete but does not possess outstanding market leadership. Strategic initiatives to enhance digital offerings and customer engagement could further strengthen its competitive advantage.

Institutional Investor Share: 45% (estimated, 2026)
Insider Purchases: No significant purchases reported (2026)
Insider Sales: Moderate, approximately 2% of total share (2026)

The institutional investor share in Union Bank of Taiwan is estimated to be around 45%. This suggests that a significant number of shares are held by large institutional investors such as pension funds, investment funds, and insurance companies.

In 2026, there were no significant insider purchases reported, which could indicate that the management and other insiders do not currently expect significant changes in the stock value.

However, moderate insider sales were recorded, amounting to approximately 2% of the total share. This could indicate profit-taking or a rebalancing of the insiders' portfolios.

Market Share of Union Bank of Taiwan: Estimate: approx. 3-5% (2026)

Main Competitors and Their Market Shares:

1. CTBC Financial Holding Co., Ltd.: approx. 10%
2. Fubon Financial Holding Co., Ltd.: approx. 9%
3. Cathay Financial Holding Co., Ltd.: approx. 8%
4. Mega Financial Holding Co., Ltd.: approx. 7%
5. Taiwan Cooperative Financial Holding Co., Ltd.: approx. 6%
6. First Financial Holding Co., Ltd.: approx. 5%
7. E.SUN Financial Holding Co., Ltd.: approx. 4%
8. Union Bank of Taiwan: approx. 3-5%

Union Bank of Taiwan has a relatively small market share compared to the leading financial institutions in Taiwan. The market share of approximately 3-5% indicates that the bank operates in a highly competitive market where larger financial institutions dominate.

The moat of Union Bank of Taiwan is less pronounced compared to the larger competitors. Larger banks like CTBC and Fubon have more extensive resources, a broader branch network, and a diversified product range, giving them a significant competitive advantage.

However, Union Bank of Taiwan could gain a certain advantage through specialized services or niche markets. Currently, the moat is relatively weak compared to the leading competitors.

Revenue Growth: 8.2% (2025) Profit Growth: 6.5% (2025) Return on Equity (ROE): 9.8% (2025) Customer Deposit Growth: 7.0% (2025)

In 2025, the Union Bank of Taiwan recorded a solid revenue growth of 8.2%, indicating a strong customer base and effective business strategies. The profit growth of 6.5% shows that the company is able to increase its profitability despite a challenging economic environment.

The return on equity of 9.8% is an indicator of efficient use of equity to generate profits. An ROE close to 10% is generally considered healthy and shows that the bank is well positioned to deliver value to its shareholders.

The growth of customer deposits by 7.0% is another positive sign, indicating customers' trust in the bank and its ability to secure and manage deposits.

Overall, these key figures suggest that the Union Bank of Taiwan represents a stable and potentially rewarding investment, especially for investors interested in long-term growth. However, potential investors should also consider macroeconomic factors and the overall development of the banking sector in Taiwan.

Dividend Yield: 3.5% (estimated for 2026)
Dividend History: Regular payout over the last 5 years

In recent years, the Union Bank of Taiwan has consistently distributed dividends. The estimated dividend yield for 2026 is around 3.5%, which can be considered stable compared to other banks in the region.

The bank has a solid financial foundation and demonstrates consistent profitability, indicating a reliable dividend policy. Historically, the Union Bank of Taiwan has regularly paid out dividends, suggesting a certain reliability in its payouts.