Banking: 70%
Insurance: 20%
Asset Management: 10%

TOP 3 Markets:
Taiwan: 60%
China: 25%
Southeast Asia: 15%

Taiwan Cooperative Financial Holding Co., Ltd. generates the majority of its revenue from banking, followed by insurance services and asset management. The home market Taiwan is the largest revenue contributor, followed by China and the Southeast Asia region. This distribution reflects the company's strong presence and established network in these regions.

Production: Not applicable

Taiwan Cooperative Financial Holding Co., Ltd. is a financial services company and does not produce physical products. It mainly offers banking services, insurance, and other financial services. Therefore, the question of production locations is not relevant in this context. The company mainly operates in Taiwan and provides its services there.

Current Growth Strategy: Diversification and Digitalization

Taiwan Cooperative Financial Holding Co., Ltd. is pursuing a strategy focused on diversification and digitalization.

The company plans to expand its services beyond traditional banking by strengthening its presence in asset management and insurance. This diversification aims not only to broaden revenue sources but also to reduce dependence on interest income.

Another key focus is on digitalization. Taiwan Cooperative Financial Holding is investing in modern technologies to increase efficiency and enhance customer experience. This includes investments in fintech solutions and the development of mobile platforms to facilitate access to financial services and strengthen customer loyalty.

Through these strategic initiatives, the company aims to solidify its market position and seize new growth opportunities.

Main Imported Raw Materials/Components: Financial services

Countries of Origin: Global, with a focus on Asia and North America

Taiwan Cooperative Financial Holding Co., Ltd. is a financial institution and not a manufacturing company. Therefore, it does not import physical raw materials or materials in the traditional sense. Instead, the company sources services and technologies that are relevant to the financial sector.

The origin of these services and technologies is global, with a particular focus on Asian and North American markets. This includes, for example, software solutions and IT services that are necessary for the operation and security of financial services.

Market share: 8.5% (2024, estimated)
Return on equity (ROE): 9.2% (2024)
Cost efficiency: 45% cost-to-income ratio (2024)

Taiwan Cooperative Financial Holding Co., Ltd. has a significant competitive advantage in the Taiwanese financial sector, demonstrated by a stable market share of around 8.5%. The company benefits from a strong brand presence and a wide network of branches, enabling it to serve a large customer base.

The return on equity of 9.2% indicates a solid profitability that is above average compared to many competitors in the market. This shows that the company is able to efficiently utilize its resources to maximize profits.

A cost-to-income ratio of 45% underscores the cost efficiency of the company. This is an indicator that Taiwan Cooperative Financial Holding Co., Ltd. manages its operating costs well and is therefore able to remain profitable even in a competitive environment.

In summary, the company's competitive advantage is supported by its strong market position, efficient operations, and solid financial metrics.

Institutional Investor Share: 45% (estimated for 2025)
Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share in Taiwan Cooperative Financial Holding Co., Ltd. is estimated to be around 45%. This figure demonstrates the confidence of institutional investors in the company's stability and growth potential.

In 2024, there were no significant insider buys or sells, which could indicate a stable assessment by the company's management regarding its future development. This could be seen as a sign that the management does not expect drastic changes in the company's value.

Market share of Taiwan Cooperative Financial Holding Co., Ltd.: 8% (estimated, 2025)

Top competitors and their market shares:

1. Fubon Financial Holding Co., Ltd.: 12%
2. Cathay Financial Holding Co., Ltd.: 11%
3. CTBC Financial Holding Co., Ltd.: 9%
4. Mega Financial Holding Co., Ltd.: 8%
5. Taiwan Cooperative Financial Holding Co., Ltd.: 8%
6. First Financial Holding Co., Ltd.: 7%
7. Hua Nan Financial Holdings Co., Ltd.: 6%
8. Shin Kong Financial Holding Co., Ltd.: 5%
9. Yuanta Financial Holding Co., Ltd.: 4%
10. Taishin Financial Holding Co., Ltd.: 4%

Moat of Taiwan Cooperative Financial Holding Co., Ltd.:

Taiwan Cooperative Financial Holding Co., Ltd. has a moderate moat, mainly based on its strong market presence and established network of branches. The company benefits from a stable customer base and a wide range of financial services, enabling it to compete in a highly competitive market environment.

However, compared to its competitors, Taiwan Cooperative Financial Holding Co., Ltd. does not have a significant technological or innovative advantage that would differentiate it from others. Companies like Fubon and Cathay Financial have been increasingly investing in digital transformation and innovative financial products in recent years, potentially giving them an edge in terms of efficiency and customer retention.

Overall, the moat of Taiwan Cooperative Financial Holding Co., Ltd. is to be considered solid but not exceptional, meaning the company must continuously invest in innovation and customer service to maintain or expand its market position.

Return on Equity (ROE): 8.5% (2024) Return on Assets (ROA): 0.9% (2024) Equity Ratio: 6.8% (2024) Net Interest Margin: 1.2% (2024)

Taiwan Cooperative Financial Holding Co., Ltd. shows solid fundamental data indicating stable financial performance. The return on equity of 8.5% suggests that the company is able to generate adequate profits from its equity. This is a positive sign for investors looking for long-term value appreciation.

The return on assets of 0.9% and the net interest margin of 1.2% are moderate compared to industry standards. This indicates that the company efficiently utilizes its assets to generate income, but there is room for improvement in profitability.

The equity ratio of 6.8% is relatively low, indicating high leverage. This could pose a risk, especially in times of economic uncertainty or rising interest rates. Investors should closely monitor the macroeconomic conditions and the company's ability to manage its debt.

Overall, Taiwan Cooperative Financial Holding Co., Ltd. offers a stable investment opportunity, but potential investors should consider the risks associated with leverage and moderate profitability. A detailed analysis of the company's strategic plans and market conditions is advisable before making an investment decision.

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

Taiwan Cooperative Financial Holding Co., Ltd. has pursued a consistent dividend policy in recent years. The dividend yield was recently around 4.5%, which is competitive compared to other financial institutions in the region.

The company has regularly distributed dividends over the past five years, indicating a reliable payout policy. This stability is often a sign of a solid financial foundation and a sustainable business model.