News / Taiwan / cnyes
Hotai Finance Reports Improved Asset Quality and Growth in Southeast Asia
Finance · Finance/Rental/Leasing · cnyes · 2026-08-26
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Hotai Finance's latest earnings call highlights improved asset quality and lower delinquency rates, with Southeast Asia emerging as a key growth driver.
What Happened
Operational Recovery: During its latest investor conference, Hotai Finance reported a steady recovery in profitability for the first half of the year. The company's focus on precise risk management led to a 27% year-over-year reduction in credit impairment losses.
Asset Quality: Management noted a downward trend in delinquency rates across both Taiwan and China. In Taiwan, the delinquency rate improved to 1.35% from 1.50% in the previous year, returning to 2022 levels.
Strategic Execution: In the Chinese market, the company adopted a selective underwriting strategy, successfully reducing the delinquency rate from 2.70% to 2.15%. This disciplined approach has helped stabilize the company's asset portfolio.
Growth Prospects: Beyond its core markets, Hotai Finance expressed optimism regarding its expansion into Southeast Asia. The company expects its growing footprint in the region to significantly contribute to overall profitability and serve as a primary growth engine moving forward.