KGI Financial Holding Co (2883) Q3 2025 earnings summary

Executive summary

• Net income for 9M25 was NT$19.1 billion, with banking and securities subsidiaries showing sustainable growth despite exchange losses in the life insurance unit.

• Consolidated net profit for the nine months ended September 30, 2025 was NT$19.05 billion, down from NT$29.14 billion year-over-year.

• Strategic focus included leveraging group synergies, expanding overseas, and enhancing digital and wealth management capabilities.

• ESG initiatives and sustainability efforts were recognized with multiple international awards and index inclusions.

• Basic and diluted EPS for the nine months were NT$1.09 and NT$1.09, respectively, versus NT$1.69 and NT$1.68 last year.

Financial highlights

• Consolidated net income for 9M25 declined 35% YoY to NT$19.1 billion; EPS was NT$1.09, down 36% YoY.

• Total assets reached NT$3,959.5 billion, up slightly from the prior year.

• KGI Life's FYP rose 22% YoY to NT$52.7 billion; KGI Bank's net income grew 20% YoY to NT$5.3 billion.

• KGI Securities' net income was NT$8.2 billion, flat YoY, with ROE at 16.9%.

• Net interest profit for the nine months was NT$56.90 billion, up from NT$55.76 billion year-over-year.

Outlook and guidance

• Continued focus on expanding business scale, digital transformation, and cross-subsidiary collaboration.

• The group continues to monitor the impact of new IFRS standards, including IFRS 17 for insurance contracts, and is assessing the potential effects on financial position and performance.

• Management is focused on risk management, capital adequacy, and compliance with evolving regulatory requirements.

• Plans to grow AUM, launch new investment products, and further develop overseas operations.