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Fubon Financial Holding (2881) investor relations material
Fubon Financial Holding Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net profit reached NT$51.38bn (or $51.2bn) and EPS NT$3.49, both leading among peers, despite YoY declines due to FX fluctuations and capital market volatility.
Total assets exceeded NT$11.9tn ($11.9T), with net worth at NT$816.2bn and BVPS at NT$52.71.
Fubon Asset Management completed a merger with Jih Sun SITE in April, enhancing competitiveness.
Segment performance varied: banking and insurance grew, while life and securities faced declines due to currency and market volatility.
Capital adequacy ratio was 139.13% as of June 30, 2025.
Financial highlights
Net profit and EPS declined 36.8% and 38.6% YoY, mainly due to FX and market volatility.
Total assets increased slightly to 11.9 trillion, but net worth fell 12.9% due to currency effects, market volatility, and dividend payouts.
ROA at 0.85% (down from 1.42% YoY) and ROE at 11.63% (down from 18.69% YoY), both on a declining trend but still solid.
Net interest revenue for H1 2025 was $92.4bn, up from $89.0bn YoY; net non-interest revenue was $20.4bn, down from $84.9bn.
Operating expenses increased to $45.2bn from $43.5bn YoY.
Outlook and guidance
Dynamic hedging strategies and system upgrades will continue to manage FX risk and costs.
Ongoing focus on decarbonization, with plans to exit thermal coal by 2030 and unconventional oil and gas by 2040.
Green finance target of NT$2,596.6bn by 2025, with NT$2,551.3bn achieved by 2Q25.
Preparing for IFRS 17 adoption in 2026, with expected immaterial impact for some subsidiaries.
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