Fubon Financial (2881) Investor presentation summary

Financial position and earnings

• Ranked #1 among Taiwan FHC peers in 1H26 net income and EPS; ROAA was 1.47% and ROAE 18.00%.

• 1H26 net income was NT$97.4bn; net income including FVOCI equity disposal gains was NT$188.5bn, with net worth of NT$1.27tn.

• Market capitalization was NT$2,115.1bn at Sep. 30, 2026; total assets were NT$13.8tn, the second-largest among peers.

• EPS ranked highest among Taiwan FHCs for 17 consecutive years; 2016–2025 average ROE was 12.3%, above major peers.

Shareholder returns and capital

• Cash dividend payout ratios were 28.0%–52.1% in 2016–2025; cash dividend yield ranged from 2.6% to 5.0%.

• 1H26 capital ratios included FHC CAR of 120.1%, Fubon Life RBC of 434.0%, Taipei Fubon Bank CAR of 15.4%, and Fubon Securities CAR of 243.8%.

• Long-term ROE target is above 10%; 2016–2025 average ROE was 12.3%, versus 12.1% at Cathay and 10.0% at Yuanta.

Franchise and cross-selling

• Market positions included #1 in life insurance by net income and P&C by net income, assets and direct written premium; #3 in private banking and securities brokerage.

• Taiwan market shares included Fubon Life total premium 14.0%, Taipei Fubon Bank deposits 6.1%, Fubon Insurance direct written premium 24.9%, and Fubon Securities brokerage 7.14%.

• A 14.6mn customer base supports cross-selling; 1H26 cross-sold business represented 25% of Fubon Life FYP and 28% of Fubon Insurance premiums.