Fubon Financial Holdings announced its unaudited earnings results for September 2025, reporting a consolidated pre-tax profit of NT$20.50 billion and a net profit of NT$17.44 billion for the month. Cumulative figures for the year through September showed a pre-tax profit of NT$104.77 billion and a net profit of NT$90.92 billion, resulting in earnings per share (EPS) of NT$6.38.
The company stated that Fubon Financial Holdings and its subsidiaries—Fubon Life, Taipei Fubon Bank, Fubon Securities, and Fubon Insurance—all achieved record-high monthly net profits in September. Taipei Fubon Bank also reached a historic high in cumulative net profit for the first nine months.
Fubon Life reported a September net profit of NT$11.56 billion, which is a 240% increase year-on-year and marks the highest monthly profit for September on record. Its cumulative net profit for the first nine months was NT$47.85 billion. The company attributed this performance to investment income from interest, capital gains on equities and funds, as well as dividend income from domestic stocks and funds. It noted gains realized from domestic stock positions as major equity markets reached new highs during the month.
In response to changes in the bond market following an expected 25 basis point rate cut by the Federal Reserve, Fubon Life increased its bond holdings while maintaining liquidity to manage market conditions flexibly. Regarding currency movements, it stated: "Fubon Life will continue to monitor the market and dynamically adjust hedging positions, aiming to effectively manage FX risks and increase FX reserve balance."
For insurance operations, Fubon Life’s cumulative standalone first year premium (FYP) reached NT$88.6 billion with total premium (TP) at NT$276.9 billion—both up by 5% and 6% respectively from last year, with estimated top-two rankings in the industry. It reported an equity-to-asset ratio over 10% and an RBC ratio close to 400% as of September.
Taipei Fubon Bank posted a September net profit of NT$3.43 billion, with cumulative nine-month net profit reaching NT$29.17 billion—up 28% and 16%, respectively—and both figures were historical highs for the same periods. The bank saw double-digit growth in total revenue due to increases in net interest income and fee income by 12% and 13%, respectively, compared with last year.
The bank’s loan balance rose by 10% year-on-year due mainly to overseas loans, SME lending, and personal loans growth. Wealth management fee income also grew at double-digit rates owing to sales of mutual funds and regular-paid insurance products. Credit card spending increased as well amid higher demand for overseas travel and consumption activities.
Asset quality remained stable with a non-performing loan (NPL) ratio at 0.13% and coverage ratio at 1,017% as of September.
Fubon Insurance recorded a September net profit of NT$0.88 billion; its cumulative net profit was NT$5.10 billion—an increase of 49% from last year—reflecting improved business quality and effective risk management strategies. Engineering insurance premiums grew by 93%, supported by expansion into green energy insurance opportunities.
The insurer's direct written premium totaled NT$52.86 billion cumulatively this year—a rise of 5%. Its market share in total direct written premiums stood at 24%.
Fubon Securities posted a September net profit of NT$1.16 billion amid active trading volumes in Taiwan’s stock market with average daily turnover exceeding NT$640 billion during the month. The company said brokerage income increased along with underwriting revenue: "Moreover, net profit has exceeded NT$1bn for four consecutive months, while cumulative net profit of NT$7.63bn was the second highest for the same period."