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Fubon Financial Holding (2881) investor relations material
Fubon Financial Holding Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Nov, 2025
Executive summary
Net profit and EPS ranked top among Taiwan financial holding companies, with net profit reaching NT$90.91bn and EPS NT$6.23, despite YoY declines due to FX fluctuations and capital market volatility in 1H25.
Total assets exceeded NT$12.4 trillion, up 5.0% YoY, with net worth at NT$943.4bn, up 0.3% YoY.
Fubon Life, Taipei Fubon Bank, and Fubon Insurance delivered strong profit growth, with the bank and insurance units hitting historical or significant highs, while Fubon Life and Fubon Securities saw YoY declines.
Financial highlights
Net profit for the first 10 months exceeded NT$108bn, but declined 25.1% YoY to NT$90.91bn; EPS at $7.51, down 25.8% YoY to NT$6.23.
Fubon Life net profit was NT$47.84bn (down 38.6% YoY); investment return reached 4.23%.
Taipei Fubon Bank net profit surpassed NT$29.17bn (up 16.2% YoY), a historical high for the period.
Fubon Insurance net profit rose over 48% YoY to NT$5.10bn; direct written premiums up 4.5% YoY; combined ratio improved to 83%.
Fubon Securities net profit was NT$7.63bn, down 6.1% YoY due to lower trading volume, but market position remains top three.
Outlook and guidance
Expectation for recurring CS hedging costs to continue improving, with interest rate spread targeted to gradually improve through product structure adjustments and lower hedging costs.
Focus on optimizing digital services, expanding wealth management, and dynamically adjusting investment and hedge portfolios in response to market and FX conditions.
Continued emphasis on ESG, digitalization, and sustainable finance, with 2025 and 2030 targets for green finance, decarbonization, and customer satisfaction.
Overseas banking arms and insurance units expected to continue growth.
Fubon Life: Recurring return vs. breakeven point
Taipei Fubon Bank: Loan growth drivers
Fubon Insurance: Drivers of profit growth
Fubon Life recurring hedging cost reduction plan
Explain Q3 NIM flat vs. loan-deposit spread
Securities profit decline mitigation strategy
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Next Fubon Financial Holding earnings date
Q4 202516 Mar, 2026
Next Fubon Financial Holding earnings date
Q4 202516 Mar, 2026
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Frequently asked questions
Fubon Financial Holding Co., Ltd. is a Taiwan-based financial services conglomerate providing a comprehensive range of financial products and services. Its operations include banking, insurance, securities, asset management, and venture capital. Fubon Financial serves individual, corporate, and institutional clients, offering solutions such as loans, wealth management, insurance policies, and investment advisory services. The company is headquartered in Taipei, Taiwan, and its shares are listed on the Taiwan Stock Exchange.
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