Yuanta Financial Holding (2885) Q3 2025 earnings summary

Executive summary

• Consolidated net income for 9M25 was NT$28.7bn, down 1% year-over-year; EPS at NT$2.00.

• Total assets grew 9% year-over-year to NT$4.09tn as of September 30, 2025.

• Shareholders' equity rose to NT$351.6bn.

• Pan-Securities and banking segments delivered robust results, while insurance posted a net loss.

• The group maintained a strong capital position and completed key restructuring, including the acquisition of Yuanta Savings Bank (Korea).

Financial highlights

• Consolidated net interest income rose 19% year-over-year to NT$28.9bn.

• Net fee income declined 9% year-over-year to NT$23.8bn; other income fell 27% to NT$25.9bn.

• Operating expenses increased 4% year-over-year to NT$46.7bn.

• Basic EPS for the nine months was NT$2.00; ROE at 8.3% annualized.

• Yuanta Life posted a net loss of NT$312mn for 9M25, reversing from a profit in 9M24.

Outlook and guidance

• ROE target set at 9–11% for 2026–2030, with a cash payout ratio of 50–60% of EPS.

• The group is preparing for IFRS 17 adoption for insurance contracts effective January 1, 2026.

• Continued focus on balanced risk, capital adequacy, and sustainable growth.