Key Metrics of CTBC Bank
About CTBC Bank
Part of CTBC Financial Holding.
Sectors
Company details
- Website
- ctbcbank.com
Operational Areas of CTBC Bank
Company summary
Entity details
Compliance
Industry classification
Financials, ratios and risk analysis
Revenue, EBITDA, net profit, net worth, debt and assets for every filing year, 15+ ratios, the financial health score, shareholding, charges and peer comparison are part of the premium plan.
Sign in to continue See plans & pricingFiling compliance
Due dates follow the Companies Act: AGM within six months of the year end, AOC-4 within 30 days and MGT-7 within 60 days of the AGM. A filing made but not yet uploaded here shows as pending.
Vendor checks & payment capacity
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Credit ratings
Rating history
Rating actions
| Date | Agency | Action | Long term | Short term | Outlook | Rated amount | Rationale |
|---|---|---|---|---|---|---|---|
| 23 Jul 2026 | ICRA | Reaffirmed | AAA | A1+ | Stable | ₹750 Cr | View |
Credit strengths (ICRA, Jul 2026)
+ Systemically important bank in Taiwan; Indian branches have high operational and financial linkages with HO
CTBC is classified as a systemically important bank in Taiwan and is one of the largest private banks in Taiwan with a total balance sheet size of NT$ 6.88 trillion (Rs. 19.7 lakh crore) as on December 31, 2025 (NT$ 6.47 trillion or Rs. 16.9 lakh crore as on December 31, 2024).
+ Comfortable capitalisation and demonstrated capital support to Indian branches
The capitalisation profile of the Indian branches moderated in FY2026 and FY2025 after improving in FY2024 as the HO had infused equity in Q1 FY2024.
+ Strong asset quality
The Indian branches have not reported any slippages since FY2017, resulting in strong asset quality metrics, with nil gross non-performing advances (GNPAs) and net NPAs (NNPAs) as on March 31, 2026.
Credit challenges
− High deposit concentration in Indian branches
The Indian branches largely rely on wholesale deposits as the retail franchise remains limited.
− Suboptimal scale and profitability of Indian branches
The scale of the Indian branches remains suboptimal with advances of Rs. 2,806 crore and a total asset base of Rs. 5,956 crore as on March 31, 2026.
Could lead to a downgrade
A material deterioration in the credit profile of CTBC will lead to a downgrade in the credit ratings of its Indian branches.
Agency-reported financials (ICRA, 23 Jul 2026)
| Metric | FY2025 | FY2026 |
|---|---|---|
| Total operating income^ | ₹153 Cr | ₹193 Cr |
| Profit after tax | ₹33.00 Cr | ₹53.00 Cr |
| Total assets | ₹4,740 Cr | ₹5,956 Cr |
| Return on average total assets | 0.8% | 1.0% |
| CET I / Tier I | 23.2% | 20.6% |
| CRAR | 24.1% | 21.8% |
| Gross NPA | 0.0% | 0.0% |
| Net NPA | 0.0% | 0.0% |
| Revenue growth (YoY) | — | 26.1% |
| PAT margin | 21.6% | 27.5% |
Borrowings & rated debt
Facility mix
Maturity ladder
Rated facilities
| Facility | Type | Previous | Current | Change | Rating | Action | Agency |
|---|---|---|---|---|---|---|---|
| Certificates of deposit programme | Fixed deposits | ₹750 Cr | ₹750 Cr | 0.0% | A1+ | Reaffirmed | ICRA |
Debt instruments
| ISIN | Instrument | Type | Coupon | Issued | Maturity | Amount | Rating | Status |
|---|---|---|---|---|---|---|---|---|
| INE019516108 | — | Fixed deposits | 6.70% | 25 Nov 2025 | 26 Nov 2026 | ₹200 Cr | A1+ | Outstanding |
| INE019516116 | — | Fixed deposits | 6.70% | 28 Nov 2025 | 01 Dec 2026 | ₹150 Cr | A1+ | Outstanding |
Credit assessment · Banks
Rating Methodology – Banks (Mar 2025) · Standalone accounts · FY 2025-26
Ratios, pillar scores and the indicative rating are part of Premium.
Instrument ratings
| Instrument | Type | Rated | Per criteria | Basis |
|---|---|---|---|---|
| Certificates of deposit programme | Fixed deposits | — ICRA | AAA | Tier II + 1 |
| * + | Fixed deposits | A ICRA | AAA5 notches lower than criteria | Tier II + 1 |
| Yet to be placed days + | Fixed deposits | A ICRA | AAA5 notches lower than criteria | Tier II + 1 |
Rating status
| Default | No default on record |
| Issuer cooperation | Cooperating |
| Credit enhancement | None – standalone rating |
| Next action stable or better (model) | 73% |
| Information on file | 33% · missing: Annual results history (3+ years), Liquidity position, Debt obligations and repayment schedule, Capex / investment plans, Auditor details, Shareholding pattern |
Indicative assessment from public data using the published methodology factors; not a credit rating.
Borrowing & funding lifecycle
- Credit outlook model: 73% chance the next rating action is stable or better
- Current rating AAA (investment grade)
Rated limits by facility
Timeline
From the report
The HO remains committed to support the growth of the Indian branches, which is also demonstrated by the last infusion of Rs. 412 crore in Q1 FY2024, following the infusion of Rs. 212.7 crore in FY2020.
Lender names, bank charges and audited borrowings are part of Premium.
Built from MCA charges, ICRA/CARE rating reports and audited accounts. The borrowing view is an estimate, not a lender's credit decision.
Registered office and contact
Directors and key people
Directors are read from the MGT-7 annual return and AOC-4 signatories.
Competitors of CTBC Bank
Top competitors by location
| Company | Description | Domain | Founded | Location |
|---|---|---|---|---|
 JPMorgan Chase |
Banking | careers.jpmorgan.com | — | United States |
 Bank of America |
Banking & Finance · Banking | bofa.com | — | United States |
 Wells Fargo |
Banking | wellsfargojobs.com | — | United States |
 HDFC Bank |
Outlets operated by HDFC Bank. | hdfc.bank.in | 1994 | India |
 ICICI Bank |
Outlets operated by ICICI Bank. | icici.bank.in | — | India |
 Lloyds Banking Group |
Banking | lloydsbankinggroup.com | — | United Kingdom |
| Part of The Bank of New York Mellon. | bnymellon.com | — | United States | |
| Indian Banks · Banking & Financial Services | usbank.com/about-us-bank.html | — | United States | |
 Barclays |
Global Banks in India · Banking & Financial Services | home.barclays | — | United Kingdom |
 Deutsche Bank |
Outlets operated by Deutsche Bank. | db.com | — | Germany |
Similar companies
Charges (secured borrowings)
0 registered charges. Lenders, amounts and dates are part of the premium plan.
Statutory auditors
Auditors are read from the AOC-4 auditor's report section.
Group companies
Part of CTBC Financial Holding
Business activities and related parties
economics of banking
Filings
No filings on record yet.