Fubon Financial Holdings announced its unaudited earnings for October 2025, reporting a consolidated pre-tax profit of NT$21.10 billion and a net profit of NT$17.92 billion for the month. The company’s cumulative pre-tax profit reached NT$125.87 billion, while cumulative net profit totaled NT$108.84 billion, with earnings per share (EPS) at NT$7.51.
According to Fubon Financial Holdings, both the holding company and its subsidiaries achieved record-high monthly net profits in October. Subsidiaries Taipei Fubon Bank and Fubon Securities also posted their highest-ever net profits for both October and the first ten months of 2025.
Fubon Life reported a net profit of NT$12.35 billion for October, marking a 114% year-over-year increase and setting a new monthly record for the company. Its cumulative net profit for the first ten months was NT$60.20 billion. Investment income sources included interest income, capital gains on equities and funds, as well as dividend income from funds. The performance was supported by strong equity markets globally and in Taiwan during October, allowing Fubon Life to realize capital gains on domestic stocks.
The US Federal Reserve’s decision to cut interest rates by 25 basis points in October led to stable long-term Treasury yields, which enabled Fubon Life to continue optimizing its bond allocation and maintain sufficient liquidity. The company stated that it aims to steadily increase future recurring income.
On currency markets, the US dollar appreciated by 0.92% against the New Taiwan dollar in October amid uncertainty caused by a federal government shutdown in the United States and limited economic data releases. This currency movement helped life insurance companies like Fubon Life build up foreign exchange reserves. "Fubon Life will continue to monitor the market and dynamically adjust hedging positions to effectively manage FX risks," the company said.
Fubon Life’s cumulative standalone first year premium (FYP) rose 5% year-over-year to NT$97.2 billion, while total premium (TP) also increased by 5% to NT$304.4 billion; both figures were estimated to rank second in Taiwan’s industry for this period. Cumulative first year premium equivalent (FYPE) grew 7% year-over-year to NT$45.2 billion and was also estimated at second place industrywide.
The company maintained an equity-to-asset ratio over 10% and an RBC ratio close to 400% as of October, which it described as "decent." "Fubon Life will continue to closely monitor exchange rates and market movement, assessing potential impacts to ensure decent solvency position," according to its statement.
Taipei Fubon Bank reported an October net profit of NT$3.23 billion—up 46% from last year—a historical high for this period due to steady core business momentum. Cumulative net profit reached NT$32.41 billion through October, up 19% year-over-year and surpassing full-year results from 2024 with total revenue increasing by 13%. Growth was attributed mainly to increases in loan volume, deposits, improved net interest margin (with net interest income up 12%), as well as higher fee income driven by wealth management services and credit cards (up 14%). Asset quality indicators remained stable: NPL ratio stood at 0.13%, with coverage ratio at 1,024%.
Fubon Insurance recorded an October net profit of NT$0.58 billion; cumulative net profit reached NT$5.69 billion—an increase of 63% compared with last year—as core business continued expanding steadily throughout the period under review.
Direct written premiums totaled NT$5.24 billion in October alone; engineering insurance grew by 18%, accident/health insurance by 14%, while auto insurance outperformed market averages.
Cumulative direct written premium reached NT$58.11 billion—up four percent from last year—with market share remaining high at approximately one quarter (24%) of total direct written premiums.
Meanwhile, Fubon Securities earned a monthly net profit of NT$1.03 billion in October thanks largely to increased trading activity on Taiwan’s stock market; average daily turnover approached NT$680 billion during the month.
The brokerage’s monthly profits have exceeded one billion New Taiwan dollars for five consecutive months—setting another record high—and cumulative ten-month profits hit a new peak at NT$8.66 billion.