2025.11.24
1
Agenda
- Performance Highlights of Fubon Financial Holdings
-
Performance Review by Subsidiary
- Fubon Life
- Taipei Fubon Bank
- Fubon Securities
- Fubon Insurance
- Overseas Banking Operations
3
Performance highlights of Fubon Financial Holdings
4
Fubon Financial Holdings: Business highlights
Fubon FHC
Net profit of NT$90.91bn and EPS of NT$6.23, both top among FHCs in Taiwan
Total assets above NT$12.4tn and net worth of NT$943.4bn, up 5.0% YoY and 0.3% YoY, respectively
BVPS at NT$62.02 per common share
Fubon
Life
Net profit of NT$47.84bn, top among peers in Taiwan
Top 2 in terms of FYP, FYPE and TP in Taiwan
Recurring return after hedge increased YoY, total investment return reached 4.23%
Equity to asset ratio at around 11.4% and RBC ratio around 400%
Taipei Fubon
Bank
Net profit reached NT$29.17bn, hitting historical high for same period, and up 16.2% YoY
Net interest income increased 11.5% on steady growth in deposits & loans and higher NIM
Net fee income rose 13.2% YoY, supported by wealth management and credit card business growth
Asset quality remained stable with benign NPL and coverage ratio
Fubon Securities
Net profit of NT$7.63bn, down 6.1% YoY, as TAIEX trading volume declined
Market share of major businesses remained among top 3. Aim to lift market share, optimize digital services, enhance customer segmentation management, and expand wealth management scale
Fubon
Insurance
5
Net profit of NT$5.10bn, up 48.6% YoY, on back of business selection strategy and risk management
Direct written premiums rose 4.5% YoY. Market leader with market share of 24.0%
Effective claim ratio control supported steady growth in underwriting results
Investment return at 6.3%, reflecting solid performance and 1Q25 disposal gains from reinvestment
Fubon Financial Holdings: Profitability
Net profit of NT$90.91bn and EPS of NT$6.23, top among FHC peers
Net profit and EPS declined YoY, reflecting FX fluctuations and capital market volatility in 1H25
Net profit
NT$bn
128.5%
46.9
40.7%
66.0
121.3
-25.1%
90.9
150.8
9M24 9M25 2022 2023 2024
10.77
124.4%
3.54
35.6%
4.80
Earnings per share (EPS)
NT$
8.40
-25.8%
6.23
9M24 9M25
2022 2023 2024
Note: EPS of 2022, 2023 and 2024 would be NT$3.13, NT$4.46 and NT$10.51, respectively, if adjusted to reflect stock dividends in 2023~2025
Fubon Financial Holdings:Net profit from major subsidiaries
Net profit growth of bank subsidiaries and Fubon Insurance
Net profit of Fubon Life and Fubon Securities down YoY, reflecting FX fluctuations and capital market volatility in 1H25, while market share of major businesses was maintained
Net profit from subsidiaries
NT$bn
9M24
9M25-52.3%
20.1%
18.2%
57.2%
52.8%
-18.5%
121.3
90.9
77.9
47.8
25.1
29.2
8.1 7.6
3.4
5.1
2.6 3.9
1.5 2.0
Fubon FHC
Fubon Life
Taipei Fubon Bank
Fubon Securities
Fubon Insurance
Fubon Bank (HK)
Fubon Bank (China)
Fubon Financial Holdings: Assets and net worth
Total assets were over NT$12.4tn, up 5.0% YoY. Net worth increased 0.3% YoY. BVPS was NT$62.02 on common share basis
Total assets
NT$bn
11,815 12,402
1.1%
Sep-24 Sep-25
8.7%
12,067
10,588
4.9%
11,106
2022 2023 2024
Equity attributable to parent company
NT$bn
61.84 62.02
941 943
37.90
566
51.70
802
62.58
951
Net worth
Sep-24 Sep-25
2022 2023 2024
Fubon Financial Holdings: ROA & ROE
ROA and ROE decreased YoY along with earnings fluctuation and assets growth. The absolute level of ROA and ROE
remained solid
ROAA
1.41%
0.99%
1.30%
0.45%
0.60%
9M24 9M25 2022 2023 2024
ROAE
18.56%
12.80%
17.20%
9.65%
6.19%
9M24 9M25 2022 2023 2024
Fubon Financial Holdings: ESG highlights in 3Q25
Fubon FHC again selected in TIME world's most
sustainable companies
Senior-friendly financial services
Fubon FHC was again selected as "World's Top 500 Most Sustainable Companies" by TIME magazine, ranking 32nd out of over 5,700 companies globally. Within financial sector, Fubon ranked 4th globally and 1st among Taiwan's private financial holding companies
In response to the needs of an aging society and government policies, Fubon promotes dementia-friendly and elderly depression care services across its life insurance, banking, P&C, and securities subsidiaries
Fubon life wins 3 awards at Asia Responsible Enterprise Awards 2025
Taipei Fubon Bank selected as Taiwan's best ESG
bank by Euromoney for the 4th consecutive year
3 awards including Social Empowerment, Corporate Governance, and Corporate Sustainability Reporting from Asia Responsible Enterprise Awards 2025
The Bank led major renewable energy syndication loans and supported SMEs in signing green power purchase agreements.
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Fubon Financial Holdings Co. Ltd. published this content on November 24, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on November 24, 2025 at 06:22 UTC.
