Fubon Financial (2881) investor relations material

Executive summary

• Net income reached NT$97.39bn in 1H26, with FVOCI equity disposal gains of NT$91.07bn, totaling NT$188.46bn, a record high for the period.

• Total assets exceeded NT$13.7tn, up 15.7% YoY; net worth surpassed NT$1.2tn, up 55.3% YoY, with adjusted net worth over NT$1.6tn.

• All major subsidiaries, including Fubon Life, Taipei Fubon Bank, Fubon Securities, Fubon Insurance, and overseas banks, achieved record-high profits year-over-year.

Financial highlights

• Adjusted net worth reached over NT$1.6tn; adjusted book value per share was NT$109.30.

• ROAA and ROAE were 1.47% and 18.00%, respectively; adjusted for FVOCI gains, ROAA was 2.85% and ROAE 34.83%.

• Fubon Life's net income, including FVOCI gains, totaled NT$143.29bn; adjusted ROA and ROE were 4.56% and 40.53%.

• Taipei Fubon Bank net income rose 31.9% YoY to NT$25.74bn; Fubon Securities net income surged 171.8% YoY to NT$11.02bn.

• Capital adequacy ratio stood at 142.3%; equity/assets ratio was 9.33%; cash dividend per share was NT$4.25.

Outlook and guidance

• Continued focus on leveraging internal channels, cross-selling, and digital transformation to drive premium growth.

• Ongoing expansion of overseas banking operations, with new branches in Tokyo and Sydney and plans for India.

• Emphasis on maintaining strong capital positions, prudent risk management, and ESG initiatives amid market volatility.