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Fubon Financial
Fubon Financial (2881) investor relations material
Fubon Financial 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 reached NT$90.91 billion and EPS NT$6.23 for the nine months ended September 30, 2025, leading among Taiwan financial holding companies despite YoY declines due to FX fluctuations and capital market volatility.
Total assets exceeded NT$12.4 trillion, up 5.0% YoY, with net worth at NT$943.4 billion.
Subsidiaries showed mixed results: Taipei Fubon Bank and Fubon Insurance posted strong profit growth, while Fubon Life and Fubon Securities saw YoY declines.
The group maintained a strong capital position, with equity attributable to owners at NT$943.36 billion.
Fubon Financial Holding ranked among the top 500 sustainable companies globally by Time Magazine, top one in Taiwan.
Financial highlights
Net profit for the first 10 months exceeded NT$108 billion, with EPS at $7.51; for the nine months ended September 30, 2025, net profit was NT$90.91 billion, down 25.1% YoY.
Fubon Life net profit was NT$47.84 billion (down 38.6% YoY); investment return after hedge at 4.23%.
Taipei Fubon Bank net profit surpassed NT$29.17 billion (up 16.2% YoY), a historical high for the period.
Fubon Insurance net profit rose over 48% YoY to NT$5.10 billion; direct written premiums up 4.5% YoY.
Fubon Securities net profit was NT$7.63 billion (down 6.1% YoY) due to lower trading volume.
Outlook and guidance
Focus on optimizing digital services, expanding wealth management, and dynamically adjusting investment and hedge portfolios in response to market and FX conditions.
Expectation for recurring CS hedging costs to continue improving.
Interest rate spread targeted to gradually improve with product structure adjustments and lower hedging costs.
The group is preparing for the adoption of IFRS 17 “Insurance Contracts” from January 1, 2026, with ongoing implementation projects and system upgrades.
Continued emphasis on ESG, digitalization, and sustainable finance, with 2025 and 2030 targets set for green finance, decarbonization, and customer satisfaction.
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 earnings date
Q4 202516 Mar, 2026
Fubon Financial
Next Fubon Financial 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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