Fubon Financial Holdings has reported a net income of NT$51.38 billion for the first half of 2025, with earnings per share (EPS) reaching NT$3.49. Both figures are the highest in the financial holding industry, according to data released at the company’s investor conference on August 25. The company stated that its subsidiaries have also delivered strong performances and maintained leading positions in their respective markets.
The financial results show Fubon Life achieved a net income of NT$24.59 billion during this period, ranking first among peers. Taipei Fubon Bank posted a record net income of NT$19.52 billion, up 20.1% year-over-year (YoY). Fubon Securities ranked second in market profit for the first half of the year and remained among the top three in key business sectors, while Fubon Insurance recorded a net income of NT$2.89 billion and continued to lead in premium income.
As of June 2025, Fubon Financial Holdings reported total assets exceeding NT$11.9 trillion, a net worth of NT$816.2 billion, and a net value per common share of NT$52.71. The return on assets was 0.85%, and return on equity reached 11.63%.
On August 11, the company announced unaudited July net income at NT$11.03 billion, bringing cumulative net income for the first seven months to NT$62.37 billion and EPS to NT$4.29.
Richard M. Tsai, Chairman of Fubon Financial Holdings, outlined ongoing environmental, social, and governance (ESG) initiatives: “The company is actively implementing four key strategies for ESG: decarbonization, digitalization, empowerment, and connection.” He added: “They are working closely with their subsidiaries to maximize their financial influence.” Tsai further explained: “In June of this year, we announced in terms of investment and underwriting that we will completely exit the coal-related industry by the end of 2030 and the non-conventional oil and gas industry by the end of 2040.” He noted that green finance investments had reached NT$2.55 trillion.
Fubon Asset Management completed its merger with Jih Sun Securities Investment Trust in April and plans to publish several sustainability reports throughout 2025—including seven subsidiary reports and six Task Force on Climate-related Financial Disclosures (TCFD) reports.
Fubon Life led its sector with a net income of NT$24.59 billion for H1 2025; growth was driven by participating insurance products with significant YoY increases in premiums—first year premium grew by 13.1%, renewal premium by 8.5%, and total premium income by 9.9%. The bancassurance channel led industry rankings for first year premiums.
The insurer’s recurring investment income rose slightly YoY due to higher dividend payments from Taiwanese stocks but experienced increased foreign exchange losses as a result of NTD appreciation against USD by about 10%. Its investment return before hedging stood at 6.24%, dropping to 3.76% after hedging adjustments because of currency effects.
Taipei Fubon Bank set new records with H1 net income rising to NT$19.52 billion—a growth rate of over 20% YoY—driven mainly by an expansion in deposit/loan volumes as well as improvements in interest margins; personal loans increased by more than 12%, SME loans rose nearly 13%, while mortgage balances were up just over 10%. Non-performing loan ratio stood at just 0.12% with coverage above industry averages.
Fubon Securities saw profits fall compared to last year due to lower stock market trading volumes but maintained second place among competitors for profitability and remained top-three across core businesses like brokerage services.
Fubon Insurance improved its position further with H1 net income increasing more than 18% YoY; premium incomes grew over nine percent while combined ratios showed improvement attributed to better risk management practices.
Overseas subsidiaries also contributed: Fubon Bank (Hong Kong) reported a significant rise in H1 profits—up over sixty percent YoY—driven by business expansion and reduced provisions despite narrowing interest margins from lower market rates; loans increased eleven percent YoY while deposits grew nineteen percent led mostly by retail customers.
Fubon Bank (China) saw its own profits jump more than fifty-three percent YoY on stronger interest earnings and capital gains from bonds; retail lending boosted loan volume over twenty-six percent while deposit growth was more modest at just above three percent.