AI 銘柄分析 · 10年

Fubon Financial Holding Co., Ltd.（富邦金融控股）

2881 · TWD · 分析基準日 2026-11-06

預金基盤は強いが、保険の資本負担と持株会社への送金が株主価値を左右する

10年期待年率（参照仮定）要確認参考 -2.20%（2026-11-06・148.00 TWD基準、集計外）

資本コスト10.30%

直近終値148.00 TWD2026-11-06

AIによるシナリオ分析です。基準日以降の出来事、株価や為替の変化は個別に確認が必要です。各数値は元の分析の単位と前提に従います。

分析の要約

富邦金控は台湾の銀行・生命保険・損害保険・証券を束ねる金融グループです。顧客基盤と販売網に強みがありますが、保険の運用損益や規制資本が、普通株主に戻せる現金を左右します。2026年11月6日の持株会社単体の現金と資金源は未確認のため、子会社からの配当、外部借入、資産・持分の売却、資金不足時の調達という４つの仮定を比較しました。表示中の期待年率は外部借入を置いた参照値で、実際の借入を示すものではありません。ETFの現地源泉税・費用・将来の為替は未反映です。

事業

富邦人壽、台北富邦銀行、富邦產險、富邦證券、投信/海外銀行。生命保険運用の金利・為替と銀行の与信が主要リスク。

競争力・事業の質

顧客基盤と販売網の堀は高評価。一方、保険契約負債の超長期再価格付け、銀行信用引当、投資運用市場依存、および持株会社上流配当を重視。

業界と環境

IFRS17・台湾保険2026規制新制度により旧年度の生命保険利益や資本と直接比較不可。台湾株式・債券・為替・保険CSM・銀行CET1を別々に監視。

財務・資本配分

会社自己資本は子会社規制資本と同じではない。2026年6月末親会社持分12,676.498億TWDから額面ではなく優先株優先払込96.0bnTWDを控除した普通株経済資本11,716.504億TWDを代理開始値とする。

評価の前提と確認

reference_funding_hypothesis_IS_NOT_OBSERVED

external_borrowing

market_price_twd

148

initial_share_count

14007364952

時価総額（億）

20730.90012896

5case_probabilities_sum

weighted_net_sum_IFRS_profit_oku

12551.615445553

weighted_common_profit_after_pref_oku

12141.936513692

probability_weighted_intrinsic_value_oku

7590.457452365

probability_weighted_intrinsic_value_per_initial_share_twd

54.189046108

probability_weighted_dated_cashflow_IRR

-0.022018924965

terminal_expected_old_cohort_oku

11801.996496994

expected_cashflow_sum_oku

5271.972556399

safety_margin_pct

-63.38578

terminal_not_in_timed_cashflows

はい

weighted_IRR_on_all_dated_flows_and_terminal_once

はい

four_way_valuation_summary_per_share

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upstream_subsidiary: 55.491060368
external_borrowing: 54.189046108
stake_and_asset_sale: 54.833782384
liquidity_shortfall: 52.676129628

four_way_IRR_summary

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upstream_subsidiary: -0.019867971712
external_borrowing: -0.022018924965
stake_and_asset_sale: -0.021626057839
liquidity_shortfall: -0.022285174531

資本コストの前提

資本コスト

10.30%

currency

TWD

事業の質

0.66

事業の質の内訳

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顧客・預金フランチャイズ: 0.83
保険負債と市場リスク: 0.47
経営・資本配分: 0.68
開示の透明性: 0.72
規制余力・ダブルレバレッジ: 0.58

事業の質の根拠

銀行は強いが、保険巨額負債・台湾株式と外貨資産・IFRS17移行・再分類OCIおよび配当規制に高い不確実性。k=10.3%は独立したTWD名目保有者要求利回りの仮定。

事業別データ

事業別の内訳と、収録されている年度別データを確認できます。

事業別データを開く →

資金源による感応度

未確認の資金源をそれぞれ仮定し、各仮定内で５ケースの株主キャッシュフローを確率加重した試算です。実際の資金源や分岐の確率を示すものではありません。年率と１株価値は分析基準日の株価 148.00 TWD に基づきます。

資金源の仮定	加重期待年率	割引後の価値 / 株
仮定A：子会社からの既存資本・利益の上流配当	-1.99%	55.49 TWD
仮定B：持株会社の新規外部借入（表示中の参照ケース）	-2.20%	54.19 TWD
仮定C：金融資産売却＋子会社持分一部売却	-2.16%	54.83 TWD
仮定D：資金源未特定・不足（緊急ブリッジ診断）	-2.23%	52.68 TWD

10年のシナリオ

シナリオごとの確率、期間内の株主還元・追加負担、終価です。金額は億TWD。株主の範囲や受取時点は各分析の前提を確認してください。

シナリオ	確率	株主還元・追加負担	終価
構造的な弱気（保険資産毀損・増資）	12.0%	0.00	102.49
弱気（保険利回り・信用費用悪化）	23.0%	1,865.32	2,053.80
中立（正常化した銀行・保険利益）	36.0%	5,576.58	10,099.28
強気（収益構造改善）	21.0%	8,696.99	21,411.40
例外的強気（資本効率・利益大幅改善）	8.0%	12,612.66	39,814.87

構造的な弱気（保険資産毀損・増資）（確率 12.0%）

日付別キャッシュフロー

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想定日: 2026-11-09
year: 0.008213552361
種類: scheduled_investor_recheck_NONCASH
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: いいえ
forecast: はい
is_old_common_holder_received_cash: いいえ
出典: company calendar, post-cutoff result not used

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想定日: 2026-12-02
year: 0.071184120465
種類: scheduled_2026_Q3_investor_conference_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: いいえ
forecast: はい
is_old_common_holder_received_cash: いいえ
出典: company events, do not use 2026Q3 post-cutoff

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想定日: 2026-12-05
year: 0.079397672827
種類: preexisting_FHC_38oku_bond_matures_rolled_over
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: いいえ
forecast: はい
is_old_common_holder_received_cash: いいえ
company_gross_maturity_oku: 38
hypothetical_replacement_issuance_oku: 38
注記: Known maturity; replacement issuance and 2.5% rate are UNCONFIRMED, not free holder cash

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想定日: 2026-12-31
year: 0.150581793292
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 1.853090701
legacy_bond_refi_extra_interest_oku: 0.036380055

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想定日: 2027-05-20
year: 0.533880903491
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 44

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想定日: 2027-07-01
year: 0.64887063655
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

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想定日: 2027-07-07
year: 0.665297741273
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

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想定日: 2027-07-31
year: 0.731006160164
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2027-07-01
record_date_assumed: 2027-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 14007364952
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2027-07-31
year: 0.731006160164
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 44
注記: discretionary/noncumulative, not old common holder cash

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想定日: 2027-11-16
year: 1.026694045175
種類: conditional_THIRD_PARTY_NEW_COMMON_ISSUANCE_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
new_shares: 2524857661
proceeds_injected_into_regulated_subsidiaries_oku: 1817.897516056

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想定日: 2027-12-31
year: 1.149897330595
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 67.422060012
actually_modeled_principal_cash_out_oku: 16.01490997
rolled_refinanced_amount_oku: 51.407150042
additional_emergency_liquidity_draw_oku: 0

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想定日: 2027-12-31
year: 1.149897330595
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 12.297783746
legacy_bond_refi_extra_interest_oku: 0.51072

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想定日: 2028-05-20
year: 1.535934291581
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 44.264

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想定日: 2028-07-01
year: 1.650924024641
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

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想定日: 2028-07-07
year: 1.667351129363
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

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想定日: 2028-07-31
year: 1.733059548255
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2028-07-01
record_date_assumed: 2028-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16532222613
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2028-07-31
year: 1.733059548255
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 44.264
注記: discretionary/noncumulative, not old common holder cash

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想定日: 2028-12-31
year: 2.151950718686
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 67.422060012
actually_modeled_principal_cash_out_oku: 50.297598716
rolled_refinanced_amount_oku: 17.124461296
additional_emergency_liquidity_draw_oku: 0

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想定日: 2028-12-31
year: 2.151950718686
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 14.919070084
legacy_bond_refi_extra_interest_oku: 0.51072

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想定日: 2029-05-20
year: 2.535249828884
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 44.529584

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想定日: 2029-07-01
year: 2.650239561944
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

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想定日: 2029-07-07
year: 2.666666666667
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

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想定日: 2029-07-31
year: 2.732375085558
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2029-07-01
record_date_assumed: 2029-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16532222613
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2029-07-31
year: 2.732375085558
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 44.529584
注記: discretionary/noncumulative, not old common holder cash

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想定日: 2029-12-31
year: 3.151266255989
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 67.422060012
actually_modeled_principal_cash_out_oku: 50.66812966
rolled_refinanced_amount_oku: 16.753930352
additional_emergency_liquidity_draw_oku: 0

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想定日: 2029-12-31
year: 3.151266255989
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 15.693401104
legacy_bond_refi_extra_interest_oku: 0.51072

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想定日: 2030-05-20
year: 3.534565366188
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 44.796761504

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想定日: 2030-07-01
year: 3.649555099247
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

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想定日: 2030-07-07
year: 3.66598220397
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

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想定日: 2030-07-31
year: 3.731690622861
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2030-07-01
record_date_assumed: 2030-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16532222613
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2030-07-31
year: 3.731690622861
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 44.796761504
注記: discretionary/noncumulative, not old common holder cash

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想定日: 2030-12-31
year: 4.150581793292
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 67.422060012
actually_modeled_principal_cash_out_oku: 51.881311631
rolled_refinanced_amount_oku: 15.54074838
additional_emergency_liquidity_draw_oku: 0

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想定日: 2030-12-31
year: 4.150581793292
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 15.642813662
legacy_bond_refi_extra_interest_oku: 0.51072

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想定日: 2031-05-20
year: 4.533880903491
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 45.065542073

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想定日: 2031-07-01
year: 4.64887063655
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

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想定日: 2031-07-07
year: 4.665297741273
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

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想定日: 2031-07-31
year: 4.731006160164
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2031-07-01
record_date_assumed: 2031-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16532222613
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2031-07-31
year: 4.731006160164
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 45.065542073
注記: discretionary/noncumulative, not old common holder cash

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想定日: 2031-11-16
year: 5.026694045175
種類: conditional_THIRD_PARTY_NEW_COMMON_ISSUANCE_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
new_shares: 391461727
proceeds_injected_into_regulated_subsidiaries_oku: 281.852443787

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想定日: 2031-12-31
year: 5.149897330595
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 67.422060012
actually_modeled_principal_cash_out_oku: 53.998882022
rolled_refinanced_amount_oku: 13.423177989
additional_emergency_liquidity_draw_oku: 0

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想定日: 2031-12-31
year: 5.149897330595
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 14.70583359
legacy_bond_refi_extra_interest_oku: 0.51072

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想定日: 2032-05-20
year: 5.535934291581
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 45.335935325

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想定日: 2032-07-01
year: 5.650924024641
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

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想定日: 2032-07-07
year: 5.667351129363
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

内容を開く

想定日: 2032-07-31
year: 5.733059548255
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2032-07-01
record_date_assumed: 2032-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16923684340
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2032-07-31
year: 5.733059548255
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 45.335935325
注記: discretionary/noncumulative, not old common holder cash

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想定日: 2032-12-31
year: 6.151950718686
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 67.422060012
actually_modeled_principal_cash_out_oku: 57.383893245
rolled_refinanced_amount_oku: 10.038166767
additional_emergency_liquidity_draw_oku: 0

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想定日: 2032-12-31
year: 6.151950718686
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 12.789675576
legacy_bond_refi_extra_interest_oku: 0.51072

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想定日: 2033-05-20
year: 6.535249828884
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 45.607950937

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想定日: 2033-07-01
year: 6.650239561944
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

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想定日: 2033-07-07
year: 6.666666666667
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

内容を開く

想定日: 2033-07-31
year: 6.732375085558
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2033-07-01
record_date_assumed: 2033-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16923684340
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2033-07-31
year: 6.732375085558
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 45.607950937
注記: discretionary/noncumulative, not old common holder cash

内容を開く

想定日: 2033-12-31
year: 7.151266255989
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 124.287634826
actually_modeled_principal_cash_out_oku: 63.644805383
rolled_refinanced_amount_oku: 60.642829444
additional_emergency_liquidity_draw_oku: 0

内容を開く

想定日: 2033-12-31
year: 7.151266255989
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 9.74415057
legacy_bond_refi_extra_interest_oku: 0.51072

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想定日: 2034-05-20
year: 7.534565366188
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 45.881598643

内容を開く

想定日: 2034-07-01
year: 7.649555099247
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

内容を開く

想定日: 2034-07-07
year: 7.66598220397
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

内容を開く

想定日: 2034-07-31
year: 7.731690622861
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2034-07-01
record_date_assumed: 2034-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16923684340
old_cohort_eligible_at_ex_date: 14007364952

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想定日: 2034-07-31
year: 7.731690622861
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 45.881598643
注記: discretionary/noncumulative, not old common holder cash

内容を開く

想定日: 2034-12-31
year: 8.150581793292
種類: holding_company_DEBT_MATURITY_REPAY_OR_REFINANCE_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
debt_principal_due_oku: 60.642829444
actually_modeled_principal_cash_out_oku: 60.642829444
rolled_refinanced_amount_oku: 0
additional_emergency_liquidity_draw_oku: 0

内容を開く

想定日: 2034-12-31
year: 8.150581793292
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 4.754397828
legacy_bond_refi_extra_interest_oku: 0.51072

内容を開く

想定日: 2035-05-20
year: 8.533880903491
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 46.156888235

内容を開く

想定日: 2035-07-01
year: 8.64887063655
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

内容を開く

想定日: 2035-07-07
year: 8.665297741273
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

内容を開く

想定日: 2035-07-31
year: 8.731006160164
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2035-07-01
record_date_assumed: 2035-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16923684340
old_cohort_eligible_at_ex_date: 14007364952

内容を開く

想定日: 2035-07-31
year: 8.731006160164
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 46.156888235
注記: discretionary/noncumulative, not old common holder cash

内容を開く

想定日: 2035-12-31
year: 9.149897330595
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 0
legacy_bond_refi_extra_interest_oku: 0.51072

内容を開く

想定日: 2036-05-20
year: 9.535934291581
種類: ordinary_and_preferred_board_DECISION_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_pref_payment_oku: 46.433829564

内容を開く

想定日: 2036-07-01
year: 9.650924024641
種類: ordinary_EX_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
model_dividend_pays_oku: 0

内容を開く

想定日: 2036-07-07
year: 9.667351129363
種類: ordinary_RECORD_DATE_RECHECK
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ

内容を開く

想定日: 2036-07-31
year: 9.733059548255
種類: ordinary_DIVIDEND_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
ex_date_assumed: 2036-07-01
record_date_assumed: 2036-07-07
full_issuer_common_dividend_oku: 0
shares_eligible_at_ex_date: 16923684340
old_cohort_eligible_at_ex_date: 14007364952

内容を開く

想定日: 2036-07-31
year: 9.733059548255
種類: preferred_DIVIDEND_NONCOMMON_ZERO
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
issuer_pref_cash_oku: 46.433829564
注記: discretionary/noncumulative, not old common holder cash

内容を開く

想定日: 2036-11-06
year: 10.001368925394
種類: holding_company_INTEREST_PAYMENT_ZERO_OLDHOLDER
金額: 0
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: いいえ
loan_interest_net_of_tax_cash_oku: 0
legacy_bond_refi_extra_interest_oku: 0.433972459

その他の数値・前提

funding_branch

external_borrowing

funding_status

four mutually exclusive hypothetical pathways; NO source established as fact

period_count

first_period_days

last_period_days

311

period_ledger

内容を開く

id: initial_2026_postcutoff_partial
calendar_year: 2026
開始日: 2026-11-07
終了日: 2026-12-31
days_in_period: 55
days_in_fiscal_year: 365
year_fraction: 0.150684931507
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 83.382966051
bank_credit_cost_pre_tax_oku: 35.065910346
bank_after_tax_profit_oku: 38.653644564
life_after_tax_profit_oku: -32.698630137
property_insurance_after_tax_profit_oku: 8.246439038
securities_after_tax_profit_oku: 5.180719649
asset_mgmt_after_tax_profit_oku: 1.187664485
group_adjustments_after_tax_oku: -13.494172971
consolidated_parent_profit_before_pref_oku: 5.186193872
preferred_economic_annual_claim_allocated_oku: 6.590593426
parent_ordinary_net_profit_oku: -1.404399554
nci_profit_oku: 0.745965007
consolidated_total_profit_before_pref_oku: 5.932158879
non_cash_oci_movement_oku: -18.082191781
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 10739.79255
ordinary_book_equity_end_oku: 10720.305958665
opening_nci_book_equity_oku: 164.53963
nci_cash_distribution_oku: 0.223789502
nci_book_equity_end_oku: 165.061805505
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 11851.952357596
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 0
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 150
modeled_upstreamed_cash_from_subsidiaries_oku: 19.88000776
holding_company_cash_overhead_oku: 3.767123288
holding_company_cash_at_end_proxy_oku: 164.223413716
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 10585.71905
regulatory_required_start_proxy_oku: 9418.353836472
regulatory_qualified_capital_end_proxy_oku: 10571.657116199
regulatory_required_capital_end_proxy_oku: 9454.852142928
regulatory_capital_adequacy_end_proxy_pct: 111.8119771
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 47714.75607
insurance_contract_liability_end_memo_oku: 47772.080778647
bank_deposits_start_memo_oku: 52131.65681
bank_deposits_end_memo_oku: 52225.445428466
other_group_liabilities_incl_debt_start_memo_oku: 24966.57853
other_group_liabilities_incl_debt_end_memo_oku: 25033.784148037
total_group_liabilities_end_memo_oku: 125435.84271522
consolidated_group_assets_end_balance_identity_oku: 137287.79507282
csm_start_memo_oku: 4351.32
new_business_csm_oku: 39.509589041
csm_release_memo_oku: 49.175876712
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 4341.653712329
shares_outstanding_start: 14007364952
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 14007364952
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 1
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 11686.890552091
gaap_ordinary_book_equity_end_proxy_oku: 10726.896552091
preferred_economic_accrual_unpaid_at_open_oku: 0
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 25.291517999
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 0
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 5.411510239
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2026-11-07
end: 2026-12-31
days: 55
parent_IFRS_attributable_profit_oku: 5.186193872
parent_ordinary_after_preference_allocation_oku: -1.404399554
parent_income_change_preferred_discretionary_normalization_oku: 6.590593426
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 1.853090701
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.036380055
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 125435.84271522
group_total_liabilities_end_memo_oku: 125435.84271522
incremental_holding_loan_interest_after_tax_cash_oku: 1.853090701
holding_refinanced_old_bond_extra_interest_cash_oku: 0.036380055
holding_company_new_funding_debt_at_start_oku: 404.53236007
holding_company_new_funding_debt_at_end_oku: 404.53236007
holding_company_new_funding_principal_matured_due_oku: 0
holding_company_new_funding_principal_REPAID_oku: 0
holding_company_new_funding_principal_REFN_oku: 0
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1812.80963007
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2027
calendar_year: 2027
開始日: 2027-01-01
終了日: 2027-12-31
days_in_period: 365
days_in_fiscal_year: 365
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 560
bank_credit_cost_pre_tax_oku: 235
bank_after_tax_profit_oku: 260
life_after_tax_profit_oku: -180
property_insurance_after_tax_profit_oku: 55
securities_after_tax_profit_oku: 35
asset_mgmt_after_tax_profit_oku: 8
group_adjustments_after_tax_oku: -90
consolidated_parent_profit_before_pref_oku: 75.191496254
preferred_economic_annual_claim_allocated_oku: 44
parent_ordinary_net_profit_oku: 31.191496254
nci_profit_oku: 5
consolidated_total_profit_before_pref_oku: 80.191496254
non_cash_oci_movement_oku: -2500
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 10720.305958665
ordinary_book_equity_end_oku: 10069.394970975
opening_nci_book_equity_oku: 165.061805505
nci_cash_distribution_oku: 1.5
nci_book_equity_end_oku: 168.561805505
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 11204.541369906
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 44
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 164.223413716
modeled_upstreamed_cash_from_subsidiaries_oku: 133.6
holding_company_cash_overhead_oku: 25
holding_company_cash_at_end_proxy_oku: 200
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 10571.657116199
regulatory_required_start_proxy_oku: 9454.852142928
regulatory_qualified_capital_end_proxy_oku: 10670.746128509
regulatory_required_capital_end_proxy_oku: 9700.678298644
regulatory_capital_adequacy_end_proxy_pct: 110
recapitalization_new_common_cash_from_nonholders_oku: 1817.897516056
recapitalization_new_shares: 2524857661
insurance_contract_liability_start_memo_oku: 47772.080778647
insurance_contract_liability_end_memo_oku: 48154.257424877
bank_deposits_start_memo_oku: 52225.445428466
bank_deposits_end_memo_oku: 52852.150773608
other_group_liabilities_incl_debt_start_memo_oku: 25033.784148037
other_group_liabilities_incl_debt_end_memo_oku: 25484.392262701
total_group_liabilities_end_memo_oku: 126879.31791129
consolidated_group_assets_end_balance_identity_oku: 138083.85928119
csm_start_memo_oku: 4341.653712329
new_business_csm_oku: 262.2
csm_release_memo_oku: 325.624028425
csm_non_cash_valuation_shock_oku: -450
csm_end_memo_oku: 3828.229683904
shares_outstanding_start: 14007364952
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16532222613
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.847276574959
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 11035.979564401
gaap_ordinary_book_equity_end_proxy_oku: 10075.985564401
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 170
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 0
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 36.4
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2027-01-01
end: 2027-12-31
days: 365
parent_IFRS_attributable_profit_oku: 75.191496254
parent_ordinary_after_preference_allocation_oku: 31.191496254
parent_income_change_preferred_discretionary_normalization_oku: 44
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 12.297783746
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 126895.33282126
group_total_liabilities_end_memo_oku: 126879.31791129
incremental_holding_loan_interest_after_tax_cash_oku: 12.297783746
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 404.53236007
holding_company_new_funding_debt_at_end_oku: 388.5174501
holding_company_new_funding_principal_matured_due_oku: 67.422060012
holding_company_new_funding_principal_REPAID_oku: 16.01490997
holding_company_new_funding_principal_REFN_oku: 51.407150042
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1796.7947201
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2028
calendar_year: 2028
開始日: 2028-01-01
終了日: 2028-12-31
days_in_period: 366
days_in_fiscal_year: 366
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 566.72
bank_credit_cost_pre_tax_oku: 237.3124
bank_after_tax_profit_oku: 263.52608
life_after_tax_profit_oku: -143
property_insurance_after_tax_profit_oku: 55.275
securities_after_tax_profit_oku: 35.63
asset_mgmt_after_tax_profit_oku: 8.12
group_adjustments_after_tax_oku: -90.45
consolidated_parent_profit_before_pref_oku: 113.671289916
preferred_economic_annual_claim_allocated_oku: 44.264
parent_ordinary_net_profit_oku: 69.407289916
nci_profit_oku: 5.05
consolidated_total_profit_before_pref_oku: 118.721289916
non_cash_oci_movement_oku: 350
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 10069.394970975
ordinary_book_equity_end_oku: 10488.802260891
opening_nci_book_equity_oku: 168.561805505
nci_cash_distribution_oku: 1.515
nci_book_equity_end_oku: 172.096805505
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 11627.483659822
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 44.264
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 200
modeled_upstreamed_cash_from_subsidiaries_oku: 135.2913888
holding_company_cash_overhead_oku: 25.3
holding_company_cash_at_end_proxy_oku: 200
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 10670.746128509
regulatory_required_start_proxy_oku: 9700.678298644
regulatory_qualified_capital_end_proxy_oku: 10985.153418425
regulatory_required_capital_end_proxy_oku: 9952.895934409
regulatory_capital_adequacy_end_proxy_pct: 110.3714285
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 48154.257424877
insurance_contract_liability_end_memo_oku: 48539.491484276
bank_deposits_start_memo_oku: 52852.150773608
bank_deposits_end_memo_oku: 53486.376582891
other_group_liabilities_incl_debt_start_memo_oku: 25484.392262701
other_group_liabilities_incl_debt_end_memo_oku: 25943.11132343
total_group_liabilities_end_memo_oku: 128307.19924198
consolidated_group_assets_end_balance_identity_oku: 139934.6829018
csm_start_memo_oku: 3828.229683904
new_business_csm_oku: 255.645
csm_release_memo_oku: 287.117226293
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3796.757457611
shares_outstanding_start: 16532222613
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16532222613
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.847276574959
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 11455.386854317
gaap_ordinary_book_equity_end_proxy_oku: 10495.392854317
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 172.18504
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 0
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 36.8936512
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2028-01-01
end: 2028-12-31
days: 366
parent_IFRS_attributable_profit_oku: 113.671289916
parent_ordinary_after_preference_allocation_oku: 69.407289916
parent_income_change_preferred_discretionary_normalization_oku: 44.264
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 14.919070084
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 128357.4968407
group_total_liabilities_end_memo_oku: 128307.19924198
incremental_holding_loan_interest_after_tax_cash_oku: 14.919070084
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 388.5174501
holding_company_new_funding_debt_at_end_oku: 338.219851384
holding_company_new_funding_principal_matured_due_oku: 67.422060012
holding_company_new_funding_principal_REPAID_oku: 50.297598716
holding_company_new_funding_principal_REFN_oku: 17.124461296
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1746.497121384
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2029
calendar_year: 2029
開始日: 2029-01-01
終了日: 2029-12-31
days_in_period: 365
days_in_fiscal_year: 365
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 573.52064
bank_credit_cost_pre_tax_oku: 239.647554016
bank_after_tax_profit_oku: 267.098468787
life_after_tax_profit_oku: -106
property_insurance_after_tax_profit_oku: 55.551375
securities_after_tax_profit_oku: 36.27134
asset_mgmt_after_tax_profit_oku: 8.2418
group_adjustments_after_tax_oku: -90.90225
consolidated_parent_profit_before_pref_oku: 154.056612683
preferred_economic_annual_claim_allocated_oku: 44.529584
parent_ordinary_net_profit_oku: 109.527028683
nci_profit_oku: 5.1005
consolidated_total_profit_before_pref_oku: 159.157112683
non_cash_oci_movement_oku: 150
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 10488.802260891
ordinary_book_equity_end_oku: 10748.329289574
opening_nci_book_equity_oku: 172.096805505
nci_cash_distribution_oku: 1.53015
nci_book_equity_end_oku: 175.667155505
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 11890.581038505
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 44.529584
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 200
modeled_upstreamed_cash_from_subsidiaries_oku: 137.005434764
holding_company_cash_overhead_oku: 25.6036
holding_company_cash_at_end_proxy_oku: 200
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 10985.153418425
regulatory_required_start_proxy_oku: 9952.895934409
regulatory_qualified_capital_end_proxy_oku: 11199.680447108
regulatory_required_capital_end_proxy_oku: 10211.671228704
regulatory_capital_adequacy_end_proxy_pct: 109.675294
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 48539.491484276
insurance_contract_liability_end_memo_oku: 48927.80741615
bank_deposits_start_memo_oku: 53486.376582891
bank_deposits_end_memo_oku: 54128.213101886
other_group_liabilities_incl_debt_start_memo_oku: 25943.11132343
other_group_liabilities_incl_debt_end_memo_oku: 26410.087327252
total_group_liabilities_end_memo_oku: 129753.65956701
consolidated_group_assets_end_balance_identity_oku: 141644.24060552
csm_start_memo_oku: 3796.757457611
new_business_csm_oku: 249.253875
csm_release_memo_oku: 284.756809321
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3761.25452329
shares_outstanding_start: 16532222613
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16532222613
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.847276574959
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 11714.913883
gaap_ordinary_book_equity_end_proxy_oku: 10754.919883
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 174.399220394
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 0
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 37.39378563
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2029-01-01
end: 2029-12-31
days: 365
parent_IFRS_attributable_profit_oku: 154.056612683
parent_ordinary_after_preference_allocation_oku: 109.527028683
parent_income_change_preferred_discretionary_normalization_oku: 44.529584
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 15.693401104
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 129804.32769667
group_total_liabilities_end_memo_oku: 129753.65956701
incremental_holding_loan_interest_after_tax_cash_oku: 15.693401104
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 338.219851384
holding_company_new_funding_debt_at_end_oku: 287.551721724
holding_company_new_funding_principal_matured_due_oku: 67.422060012
holding_company_new_funding_principal_REPAID_oku: 50.66812966
holding_company_new_funding_principal_REFN_oku: 16.753930352
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1695.828991724
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2030
calendar_year: 2030
開始日: 2030-01-01
終了日: 2030-12-31
days_in_period: 365
days_in_fiscal_year: 365
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 580.40288768
bank_credit_cost_pre_tax_oku: 242.005685948
bank_after_tax_profit_oku: 270.717761386
life_after_tax_profit_oku: -69
property_insurance_after_tax_profit_oku: 55.829131875
securities_after_tax_profit_oku: 36.92422412
asset_mgmt_after_tax_profit_oku: 8.365427
group_adjustments_after_tax_oku: -91.35676125
consolidated_parent_profit_before_pref_oku: 195.326249469
preferred_economic_annual_claim_allocated_oku: 44.796761504
parent_ordinary_net_profit_oku: 150.529487965
nci_profit_oku: 5.151505
consolidated_total_profit_before_pref_oku: 200.477754469
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 10748.329289574
ordinary_book_equity_end_oku: 10898.858777539
opening_nci_book_equity_oku: 175.667155505
nci_cash_distribution_oku: 1.5454515
nci_book_equity_end_oku: 179.273209005
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 12044.71657997
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 44.796761504
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 200
modeled_upstreamed_cash_from_subsidiaries_oku: 138.742449997
holding_company_cash_overhead_oku: 25.9108432
holding_company_cash_at_end_proxy_oku: 200
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 11199.680447108
regulatory_required_start_proxy_oku: 10211.671228704
regulatory_qualified_capital_end_proxy_oku: 11350.209935073
regulatory_required_capital_end_proxy_oku: 10477.17468065
regulatory_capital_adequacy_end_proxy_pct: 108.3327355
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 48927.80741615
insurance_contract_liability_end_memo_oku: 49319.229875479
bank_deposits_start_memo_oku: 54128.213101886
bank_deposits_end_memo_oku: 54777.751659109
other_group_liabilities_incl_debt_start_memo_oku: 26410.087327252
other_group_liabilities_incl_debt_end_memo_oku: 26885.468899142
total_group_liabilities_end_memo_oku: 131218.12084382
consolidated_group_assets_end_balance_identity_oku: 143262.83742379
csm_start_memo_oku: 3761.25452329
new_business_csm_oku: 243.022528125
csm_release_memo_oku: 282.094089247
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3722.182962169
shares_outstanding_start: 16532222613
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16532222613
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.847276574959
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 11865.443370965
gaap_ordinary_book_equity_end_proxy_oku: 10905.449370965
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 176.642936591
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 0
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 37.900486594
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2030-01-01
end: 2030-12-31
days: 365
parent_IFRS_attributable_profit_oku: 195.326249469
parent_ordinary_after_preference_allocation_oku: 150.529487965
parent_income_change_preferred_discretionary_normalization_oku: 44.796761504
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 15.642813662
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 131270.00215545
group_total_liabilities_end_memo_oku: 131218.12084382
incremental_holding_loan_interest_after_tax_cash_oku: 15.642813662
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 287.551721724
holding_company_new_funding_debt_at_end_oku: 235.670410093
holding_company_new_funding_principal_matured_due_oku: 67.422060012
holding_company_new_funding_principal_REPAID_oku: 51.881311631
holding_company_new_funding_principal_REFN_oku: 15.54074838
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1643.947680093
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2031
calendar_year: 2031
開始日: 2031-01-01
終了日: 2031-12-31
days_in_period: 365
days_in_fiscal_year: 365
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 587.367722332
bank_credit_cost_pre_tax_oku: 244.387021897
bank_after_tax_profit_oku: 274.384560348
life_after_tax_profit_oku: -32
property_insurance_after_tax_profit_oku: 56.108277534
securities_after_tax_profit_oku: 37.588860154
asset_mgmt_after_tax_profit_oku: 8.490908405
group_adjustments_after_tax_oku: -91.813545056
consolidated_parent_profit_before_pref_oku: 237.542507795
preferred_economic_annual_claim_allocated_oku: 45.065542073
parent_ordinary_net_profit_oku: 192.476965722
nci_profit_oku: 5.20302005
consolidated_total_profit_before_pref_oku: 242.745527845
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 10898.858777539
ordinary_book_equity_end_oku: 11373.188187047
opening_nci_book_equity_oku: 179.273209005
nci_cash_distribution_oku: 1.560906015
nci_book_equity_end_oku: 182.91532304
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 12522.688103513
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 45.065542073
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 200
modeled_upstreamed_cash_from_subsidiaries_oku: 140.502751003
holding_company_cash_overhead_oku: 26.221773318
holding_company_cash_at_end_proxy_oku: 200
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 11350.209935073
regulatory_required_start_proxy_oku: 10477.17468065
regulatory_qualified_capital_end_proxy_oku: 11824.539344582
regulatory_required_capital_end_proxy_oku: 10749.581222347
regulatory_capital_adequacy_end_proxy_pct: 110
recapitalization_new_common_cash_from_nonholders_oku: 281.852443787
recapitalization_new_shares: 391461727
insurance_contract_liability_start_memo_oku: 49319.229875479
insurance_contract_liability_end_memo_oku: 49713.783714483
bank_deposits_start_memo_oku: 54777.751659109
bank_deposits_end_memo_oku: 55435.084679018
other_group_liabilities_incl_debt_start_memo_oku: 26885.468899142
other_group_liabilities_incl_debt_end_memo_oku: 27369.407339327
total_group_liabilities_end_memo_oku: 132699.9472609
consolidated_group_assets_end_balance_identity_oku: 145222.63536441
csm_start_memo_oku: 3722.182962169
new_business_csm_oku: 236.946964922
csm_release_memo_oku: 279.163722163
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3679.966204928
shares_outstanding_start: 16532222613
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16923684340
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.827678221278
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 12339.772780473
gaap_ordinary_book_equity_end_proxy_oku: 11379.778780473
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 178.916589452
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 0
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 38.413838449
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2031-01-01
end: 2031-12-31
days: 365
parent_IFRS_attributable_profit_oku: 237.542507795
parent_ordinary_after_preference_allocation_oku: 192.476965722
parent_income_change_preferred_discretionary_normalization_oku: 45.065542073
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 14.70583359
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 132753.94614292
group_total_liabilities_end_memo_oku: 132699.9472609
incremental_holding_loan_interest_after_tax_cash_oku: 14.70583359
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 235.670410093
holding_company_new_funding_debt_at_end_oku: 181.671528071
holding_company_new_funding_principal_matured_due_oku: 67.422060012
holding_company_new_funding_principal_REPAID_oku: 53.998882022
holding_company_new_funding_principal_REFN_oku: 13.423177989
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1589.948798071
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2032
calendar_year: 2032
開始日: 2032-01-01
終了日: 2032-12-31
days_in_period: 366
days_in_fiscal_year: 366
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 594.416135
bank_credit_cost_pre_tax_oku: 246.791790193
bank_after_tax_profit_oku: 278.099475846
life_after_tax_profit_oku: 5
property_insurance_after_tax_profit_oku: 56.388818922
securities_after_tax_profit_oku: 38.265459637
asset_mgmt_after_tax_profit_oku: 8.618272031
group_adjustments_after_tax_oku: -92.272612782
consolidated_parent_profit_before_pref_oku: 280.799018078
preferred_economic_annual_claim_allocated_oku: 45.335935325
parent_ordinary_net_profit_oku: 235.463082753
nci_profit_oku: 5.255050251
consolidated_total_profit_before_pref_oku: 286.054068329
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 11373.188187047
ordinary_book_equity_end_oku: 11608.6512698
opening_nci_book_equity_oku: 182.91532304
nci_cash_distribution_oku: 1.576515075
nci_book_equity_end_oku: 186.593858216
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 12761.829721442
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 45.335935325
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 200
modeled_upstreamed_cash_from_subsidiaries_oku: 142.556658744
holding_company_cash_overhead_oku: 26.536434598
holding_company_cash_at_end_proxy_oku: 200
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 11824.539344582
regulatory_required_start_proxy_oku: 10749.581222347
regulatory_qualified_capital_end_proxy_oku: 12060.002427335
regulatory_required_capital_end_proxy_oku: 11029.070334128
regulatory_capital_adequacy_end_proxy_pct: 109.347407
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 49713.783714483
insurance_contract_liability_end_memo_oku: 50111.493984199
bank_deposits_start_memo_oku: 55435.084679018
bank_deposits_end_memo_oku: 56100.305695166
other_group_liabilities_incl_debt_start_memo_oku: 27369.407339327
other_group_liabilities_incl_debt_end_memo_oku: 27862.056671435
total_group_liabilities_end_memo_oku: 134198.14398563
consolidated_group_assets_end_balance_identity_oku: 146959.97370707
csm_start_memo_oku: 3679.966204928
new_business_csm_oku: 231.023290799
csm_release_memo_oku: 275.99746537
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3634.992030357
shares_outstanding_start: 16923684340
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16923684340
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.827678221278
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 12575.235863226
gaap_ordinary_book_equity_end_proxy_oku: 11615.241863226
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 181.820585362
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 0.33
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 38.933926618
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2032-01-01
end: 2032-12-31
days: 366
parent_IFRS_attributable_profit_oku: 280.799018078
parent_ordinary_after_preference_allocation_oku: 235.463082753
parent_income_change_preferred_discretionary_normalization_oku: 45.335935325
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 12.789675576
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 134255.52787887
group_total_liabilities_end_memo_oku: 134198.14398563
incremental_holding_loan_interest_after_tax_cash_oku: 12.789675576
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 181.671528071
holding_company_new_funding_debt_at_end_oku: 124.287634826
holding_company_new_funding_principal_matured_due_oku: 67.422060012
holding_company_new_funding_principal_REPAID_oku: 57.383893245
holding_company_new_funding_principal_REFN_oku: 10.038166767
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1532.564904826
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2033
calendar_year: 2033
開始日: 2033-01-01
終了日: 2033-12-31
days_in_period: 365
days_in_fiscal_year: 365
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 601.54912862
bank_credit_cost_pre_tax_oku: 249.220221408
bank_after_tax_profit_oku: 281.86312577
life_after_tax_profit_oku: 42
property_insurance_after_tax_profit_oku: 56.670763017
securities_after_tax_profit_oku: 38.95423791
asset_mgmt_after_tax_profit_oku: 8.747546112
group_adjustments_after_tax_oku: -92.733975845
consolidated_parent_profit_before_pref_oku: 325.246826393
preferred_economic_annual_claim_allocated_oku: 45.607950937
parent_ordinary_net_profit_oku: 279.638875456
nci_profit_oku: 5.307600753
consolidated_total_profit_before_pref_oku: 330.554427146
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 11608.6512698
ordinary_book_equity_end_oku: 11888.290145256
opening_nci_book_equity_oku: 186.593858216
nci_cash_distribution_oku: 1.592280226
nci_book_equity_end_oku: 190.309178743
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 13045.183917425
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 45.607950937
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 200
modeled_upstreamed_cash_from_subsidiaries_oku: 146.362498703
holding_company_cash_overhead_oku: 26.854871813
holding_company_cash_at_end_proxy_oku: 200
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 12060.002427335
regulatory_required_start_proxy_oku: 11029.070334128
regulatory_qualified_capital_end_proxy_oku: 12339.64130279
regulatory_required_capital_end_proxy_oku: 11315.826162815
regulatory_capital_adequacy_end_proxy_pct: 109.0476393
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 50111.493984199
insurance_contract_liability_end_memo_oku: 50512.385936072
bank_deposits_start_memo_oku: 56100.305695166
bank_deposits_end_memo_oku: 56773.509363508
other_group_liabilities_incl_debt_start_memo_oku: 27862.056671435
other_group_liabilities_incl_debt_end_memo_oku: 28363.57369152
total_group_liabilities_end_memo_oku: 135710.11182054
consolidated_group_assets_end_balance_identity_oku: 148755.29573797
csm_start_memo_oku: 3634.992030357
new_business_csm_oku: 225.247708529
csm_release_memo_oku: 272.624402277
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3587.615336609
shares_outstanding_start: 16923684340
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16923684340
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.827678221278
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 12854.874738682
gaap_ordinary_book_equity_end_proxy_oku: 11894.880738682
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 188.595336311
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 2.772
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 39.460837608
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2033-01-01
end: 2033-12-31
days: 365
parent_IFRS_attributable_profit_oku: 325.246826393
parent_ordinary_after_preference_allocation_oku: 279.638875456
parent_income_change_preferred_discretionary_normalization_oku: 45.607950937
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 9.74415057
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 135773.75662593
group_total_liabilities_end_memo_oku: 135710.11182054
incremental_holding_loan_interest_after_tax_cash_oku: 9.74415057
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 124.287634826
holding_company_new_funding_debt_at_end_oku: 60.642829444
holding_company_new_funding_principal_matured_due_oku: 124.287634826
holding_company_new_funding_principal_REPAID_oku: 63.644805383
holding_company_new_funding_principal_REFN_oku: 60.642829444
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1468.920099444
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2034
calendar_year: 2034
開始日: 2034-01-01
終了日: 2034-12-31
days_in_period: 365
days_in_fiscal_year: 365
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 608.767718164
bank_credit_cost_pre_tax_oku: 251.672548387
bank_after_tax_profit_oku: 285.676135821
life_after_tax_profit_oku: 79
property_insurance_after_tax_profit_oku: 56.954116832
securities_after_tax_profit_oku: 39.655414193
asset_mgmt_after_tax_profit_oku: 8.878759303
group_adjustments_after_tax_oku: -93.197645725
consolidated_parent_profit_before_pref_oku: 371.701662596
preferred_economic_annual_claim_allocated_oku: 45.881598643
parent_ordinary_net_profit_oku: 325.820063953
nci_profit_oku: 5.360676761
consolidated_total_profit_before_pref_oku: 377.062339357
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 11888.290145256
ordinary_book_equity_end_oku: 12214.110209208
opening_nci_book_equity_oku: 190.309178743
nci_cash_distribution_oku: 1.608203028
nci_book_equity_end_oku: 194.061652476
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 13374.75645511
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 45.881598643
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 200
modeled_upstreamed_cash_from_subsidiaries_oku: 150.192600957
holding_company_cash_overhead_oku: 27.177130275
holding_company_cash_at_end_proxy_oku: 211.225924767
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 12339.64130279
regulatory_required_start_proxy_oku: 11315.826162815
regulatory_qualified_capital_end_proxy_oku: 12665.461366743
regulatory_required_capital_end_proxy_oku: 11610.037643049
regulatory_capital_adequacy_end_proxy_pct: 109.0906141
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 50512.385936072
insurance_contract_liability_end_memo_oku: 50916.485023561
bank_deposits_start_memo_oku: 56773.509363508
bank_deposits_end_memo_oku: 57454.79147587
other_group_liabilities_incl_debt_start_memo_oku: 28363.57369152
other_group_liabilities_incl_debt_end_memo_oku: 28874.118017968
total_group_liabilities_end_memo_oku: 137245.3945174
consolidated_group_assets_end_balance_identity_oku: 150620.15097251
csm_start_memo_oku: 3587.615336609
new_business_csm_oku: 219.616515816
csm_release_memo_oku: 269.071150246
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3538.160702179
shares_outstanding_start: 16923684340
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16923684340
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.827678221278
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 13180.694802634
gaap_ordinary_book_equity_end_proxy_oku: 12220.700802634
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 195.401259972
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 5.214
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 39.994659015
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2034-01-01
end: 2034-12-31
days: 365
parent_IFRS_attributable_profit_oku: 371.701662596
parent_ordinary_after_preference_allocation_oku: 325.820063953
parent_income_change_preferred_discretionary_normalization_oku: 45.881598643
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 4.754397828
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 137306.03734684
group_total_liabilities_end_memo_oku: 137245.3945174
incremental_holding_loan_interest_after_tax_cash_oku: 4.754397828
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 60.642829444
holding_company_new_funding_debt_at_end_oku: 0
holding_company_new_funding_principal_matured_due_oku: 60.642829444
holding_company_new_funding_principal_REPAID_oku: 60.642829444
holding_company_new_funding_principal_REFN_oku: 0
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1408.27727
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: fy_2035
calendar_year: 2035
開始日: 2035-01-01
終了日: 2035-12-31
days_in_period: 365
days_in_fiscal_year: 365
year_fraction: 1
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 616.072930782
bank_credit_cost_pre_tax_oku: 254.149006263
bank_after_tax_profit_oku: 289.539139615
life_after_tax_profit_oku: 116
property_insurance_after_tax_profit_oku: 57.238887416
securities_after_tax_profit_oku: 40.369211648
asset_mgmt_after_tax_profit_oku: 9.011940693
group_adjustments_after_tax_oku: -93.663633953
consolidated_parent_profit_before_pref_oku: 417.984825418
preferred_economic_annual_claim_allocated_oku: 46.156888235
parent_ordinary_net_profit_oku: 371.827937183
nci_profit_oku: 5.414283528
consolidated_total_profit_before_pref_oku: 423.399108946
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 12214.110209208
ordinary_book_equity_end_oku: 12585.938146391
opening_nci_book_equity_oku: 194.061652476
nci_cash_distribution_oku: 1.624285058
nci_book_equity_end_oku: 197.851650946
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 13750.374390763
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 46.156888235
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 211.225924767
modeled_upstreamed_cash_from_subsidiaries_oku: 154.047300233
holding_company_cash_overhead_oku: 27.503255838
holding_company_cash_at_end_proxy_oku: 291.102360927
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 12665.461366743
regulatory_required_start_proxy_oku: 11610.037643049
regulatory_qualified_capital_end_proxy_oku: 13037.289303926
regulatory_required_capital_end_proxy_oku: 11911.898621768
regulatory_capital_adequacy_end_proxy_pct: 109.447618
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 50916.485023561
insurance_contract_liability_end_memo_oku: 51323.816903749
bank_deposits_start_memo_oku: 57454.79147587
bank_deposits_end_memo_oku: 58144.248973581
other_group_liabilities_incl_debt_start_memo_oku: 28874.118017968
other_group_liabilities_incl_debt_end_memo_oku: 29393.852142291
total_group_liabilities_end_memo_oku: 138861.91801962
consolidated_group_assets_end_balance_identity_oku: 152612.29241038
csm_start_memo_oku: 3538.160702179
new_business_csm_oku: 214.12610292
csm_release_memo_oku: 265.362052663
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3486.924752436
shares_outstanding_start: 16923684340
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16923684340
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.827678221278
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 13552.522739817
gaap_ordinary_book_equity_end_proxy_oku: 12592.528739817
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: 6.590593426
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 202.238779779
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 7.656
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 40.535479546
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2035-01-01
end: 2035-12-31
days: 365
parent_IFRS_attributable_profit_oku: 417.984825418
parent_ordinary_after_preference_allocation_oku: 371.827937183
parent_income_change_preferred_discretionary_normalization_oku: 46.156888235
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 0
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 138861.91801962
group_total_liabilities_end_memo_oku: 138861.91801962
incremental_holding_loan_interest_after_tax_cash_oku: 0
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 0
holding_company_new_funding_debt_at_end_oku: 0
holding_company_new_funding_principal_matured_due_oku: 0
holding_company_new_funding_principal_REPAID_oku: 0
holding_company_new_funding_principal_REFN_oku: 0
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1408.27727
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

内容を開く

id: final_2036_preterminal_partial
calendar_year: 2036
開始日: 2036-01-01
終了日: 2036-11-06
days_in_period: 311
days_in_fiscal_year: 366
year_fraction: 0.849726775956
actual_or_forecast: conditional forecast - NOT actual 2026 Nov6 funding
source_data_cutoff: 2026-11-06
bank_pre_provision_pre_tax_profit_oku: 529.77558921
bank_credit_cost_pre_tax_oku: 218.082234707
bank_after_tax_profit_oku: 249.354683602
life_after_tax_profit_oku: 130.008196721
property_insurance_after_tax_profit_oku: 48.88060234
securities_after_tax_profit_oku: 34.920250463
asset_mgmt_after_tax_profit_oku: 7.77255262
group_adjustments_after_tax_oku: -79.986440192
consolidated_parent_profit_before_pref_oku: 390.515873095
preferred_economic_annual_claim_allocated_oku: 39.456068291
parent_ordinary_net_profit_oku: 351.059804804
nci_profit_oku: 4.646668303
consolidated_total_profit_before_pref_oku: 395.162541398
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 12585.938146391
ordinary_book_equity_end_oku: 12936.997951195
opening_nci_book_equity_oku: 197.851650946
nci_cash_distribution_oku: 1.394000491
nci_book_equity_end_oku: 201.104318758
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 14097.709102106
ordinary_dividend_company_cash_oku: 0
ordinary_dividend_per_share_twd: 0
preferred_dividend_company_cash_oku: 46.433829564
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 0
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 0
holding_company_cash_at_start_proxy_oku: 291.102360927
modeled_upstreamed_cash_from_subsidiaries_oku: 134.19474615
holding_company_cash_overhead_oku: 23.650695947
holding_company_cash_at_end_proxy_oku: 354.778609107
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 13037.289303926
regulatory_required_start_proxy_oku: 11911.898621768
regulatory_qualified_capital_end_proxy_oku: 13388.34910873
regulatory_required_capital_end_proxy_oku: 12174.55790298
regulatory_capital_adequacy_end_proxy_pct: 109.9698996
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 51323.816903749
insurance_contract_liability_end_memo_oku: 51672.497600852
bank_deposits_start_memo_oku: 58144.248973581
bank_deposits_end_memo_oku: 58736.597555495
other_group_liabilities_incl_debt_start_memo_oku: 29393.852142291
other_group_liabilities_incl_debt_end_memo_oku: 29842.829636076
total_group_liabilities_end_memo_oku: 140251.92479242
consolidated_group_assets_end_balance_identity_oku: 154349.63389453
csm_start_memo_oku: 3486.924752436
new_business_csm_oku: 177.399966005
csm_release_memo_oku: 222.219999592
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 3442.10471885
shares_outstanding_start: 16923684340
old_cohort_shares_start: 14007364952
sbc_issued_new_common_shares: 0
sbc_equity_credit_noncash_oku: 0
issuer_bought_back_common_shares: 0
shares_outstanding_end: 16923684340
old_cohort_shares_end: 14007364952
old_holder_equivalence_factor_end: 0.827678221278
dividend_or_tender_is_forecast: はい
forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 13896.604783348
gaap_ordinary_book_equity_end_proxy_oku: 12936.610783348
preferred_economic_accrual_unpaid_at_open_oku: 6.590593426
preferred_economic_accrual_unpaid_at_end_oku: -0.387167847
ordinary_book_equity_is_preference_allocated_economic_proxy_not_statutory_IFRS: はい
regulatory_capital_old_method_not_actual_2026_cutoff: はい
sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
new_equity_SBC_issue_2027_onward_unconfirmed_default_zero: はい
sbc_compensation_expense_in_profit_oku: 0
sbc_non_cash_addback_to_profit_in_annual_ledger_oku: 0
sbc_market_delivery_value_oku: 0
life_reported_H1_2026_TIS_pct_not_updated_asof_cutoff: 140
bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
future_actual_bank_capital_and_life_TIS_not_reconstructed: はい
subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 177.684942838
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 8.580540984
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 34.909655704
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 0
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0
issuer_repurchase_withheld_for_cash_or_regulatory_proxy_oku: 0
noncash_fvoci_OCI_realization_double_count_excluded: はい
funding_branch: external_borrowing
start: 2036-01-01
end: 2036-11-06
days: 311
parent_IFRS_attributable_profit_oku: 390.515873095
parent_ordinary_after_preference_allocation_oku: 351.059804804
parent_income_change_preferred_discretionary_normalization_oku: 39.456068291
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 0
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.433972459
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 140251.92479242
group_total_liabilities_end_memo_oku: 140251.92479242
incremental_holding_loan_interest_after_tax_cash_oku: 0
holding_refinanced_old_bond_extra_interest_cash_oku: 0.433972459
holding_company_new_funding_debt_at_start_oku: 0
holding_company_new_funding_debt_at_end_oku: 0
holding_company_new_funding_principal_matured_due_oku: 0
holding_company_new_funding_principal_REPAID_oku: 0
holding_company_new_funding_principal_REFN_oku: 0
holding_company_emergency_additional_draw_oku: 0
holding_company_baseline_bonds_and_other_debt_proxy_oku: 1408.27727
holding_company_total_debt_proxy_oku: 1408.27727
regulatory_issuer_buyback_buffer_pct_ANALYST_not_law: 115
regulatory_common_dividend_buffer_pct_ANALYST_not_law: 112
regulatory_issuance_if_below_108pct_to_110pct_ANALYST_not_law: はい
sbc_cash_settled_staff_rewards_already_expensed_IN_PARENT_IFRS_profit: はい
sbc_compensation_expense_not_quantified_oku: 未確認
cash_source_not_recounted_as_consolidated_earnings: はい
FHC_old_bond_38oku_maturity_date: 2026-12-05

期間内の親会社利益合計（億）

2567.222555569

純利益

2567.222555569

common_share_attributable_profit_sum_oku

2115.537633135

preferred_economic_normalization_sum_oku

451.684922434

期間内株主受取

payout_old_cohort_dividends_oku

payout_old_cohort_tender_buybacks_oku

終価

102.485507102

terminal_old_cohort_mcap_oku

102.485507102

terminal_company_common_mcap_oku

123.822887286

terminal_old_cohort_equivalence_factor

0.827678221278

terminal_company_common_shares

16923684340

terminal_old_cohort_shares

14007364952

equity_oku

12936.997951195

terminal_2036_parent_cash_oku

354.778609107

terminal_2036_INCREMENTAL_debt_principal_oku

terminal_2037_normalized_common_earnings_EX_INCREMENTAL_LOAN_INTEREST_oku

454.524555358

terminal_2037_subsidiary_upstream_under_regulatory_haircuts_oku

164.234961179

terminal_2037_pref_claim_oku

46.712432542

terminal_2037_holding_cost_oku

28.167294447

terminal_2037_reinvestment_oku

243.205788991

terminal_2037_other_holdback_oku

140

terminal_2037_earnings_cap_oku

68.842308621

terminal_2037_upstream_cap_oku

terminal_sustainable_owner_cf_2037_oku

terminal_growth

0.005

terminal_cash_excess_ONE_TIME_oku

123.822887286

terminal_2037_cash_interest_foregone_AFTER_ONE_TIME_LIQUIDATION_oku

2.476457746

terminal_cash_excess_return_yield

0.02

terminal_INCREMENTAL_DEBT_principal_subtracted_once_oku

terminal_incremental_interest_removed_from_unlevered_2037_CF

はい

terminal_excluded_from_timed_cashflows

はい

終価の基準日

2036-11-06

terminal_no_2037_SBC_equity_issued_shares

はい

IRR_expected_cashflow_not_simple_weighted_of_scenario_IRR

はい

irr_of_path_cashflows

-0.411920565685

pv_intrinsic_old_holder_cohort_oku

38.445812827

pv_intrinsic_per_initial_common_share_twd

0.27446856

opening_funding_bridge

内容を開く

branch: external_borrowing
funding_required_for_v2_target_oku: 404.53236007
2026_06_30_audited_parent_standalone_cash_oku: 380.42196
2026_06_30_common_and_pref_payables_paid_July_oku: 634.95432007
2026_07_31_ordinary_dividend_paid_oku: 595.31301046
2026_07_31_pref_dividend_paid_oku: 39.64130961
2026_Jul31_after_paid_pre_financing_cash_oku: -254.53236007
funding_from_regulated_bank_subs_oku: 0
funding_from_nonlife_other_subs_oku: 0
funding_from_insurance_life_subs_oku: 0
funding_internal_dividends_total_oku: 0
funding_new_external_borrow_oku: 404.53236007
funding_FVTPL_asset_sale_book_oku: 0
funding_subsidiary_stake_sale_book_oku: 0
not_achieved_vs_v2_target_cash_oku: 0
2026_11_06_holding_cash_conditional_oku: 150
2026_11_06_parent_standalone_liabilities_conditional_oku: 2422.67741
2026_11_06_parent_standalone_total_assets_conditional_oku: 14122.46396
2026_11_06_parent_standalone_fvtpl_assets_oku: 194.94737
2026_11_06_parent_standalone_equity_method_investments_oku: 13537.46146
2026_11_06_parent_standalone_other_assets_unverified_held_constant_oku: 240.05513
2026_11_06_parent_equity_all_classes_oku: 11699.78655
pre_cutoff_regulatory_eligibility_haircut_ANALYST_proxy_oku: 0
pre_cutoff_consolidated_nci_added_from_external_stake_buyer_oku: 0
2026_11_06_parent_standalone_balance_sheet_identity_error_oku: -0
funding_source_confirmed_by_2026_11_06_filings: いいえ
no_post_H1_realized_FVOCI_gain_added_to_profit_or_equity: はい
precutoff_income_oku: 223.2887
precutoff_unverified_OCI_oku: -1200
legal_payout_and_sale_permissions_not_verified: はい

annual_cash_paydown_total_oku

404.532360071

annual_cumulative_incremental_debt_interest_after_tax_oku

102.400216861

no_double_count_pre_cutoff_earnings_or_FVOCI_transfer

はい

分析基準とデータ

価格・単価

148

株数

14007364952

株価の出所

内容を開く

url: https://www.twse.com.tw/exchangeReport/MI_INDEX?date=20261106&response=html&type=ALLBUT0999
as_of: 2026-11-06
close_twd: 148
open_twd: 140.5
high_twd: 151
low_twd: 140
daily_volume_shares: 48407737
primary_exchange_verified: はい

株数の出所

内容を開く

url: https://fubon.irpro.co/tw/quickfacts.php
as_of: 2026-07-07
ordinary_issued: 14007364952
ordinary_outstanding: 14007364952
reported_treasury_common_shares: 0
treasury_as_of: 2026-06-30
ordinary_current_share_count_not_independently_reconciled_after_2026_07_07: はい
preferred_A_2881A: 600000000
preferred_B_2881B: 666660000
preferred_C_2881C: 333330000
total_preferred: 1599990000
2026_11_06_TWSE_listing_and_foreign_share_limit_user_original_verified: はい
2026_11_06_company_treasury_and_eligible_holder_share_count_not_fully_verified: はい
2026_11_06_ordinary_listed_shares: 14007364952

opening_mcap_oku

20730.90012896

asof_financial_balance_report_date

2026-06-30

cashflow_cohort

2026-11-06現在2881普通株を既保有する旧株主全体。非累積優先株2881A/B/Cは別。将来第三者発行は旧株主集団外。

cohort_convention

2026-11-06取得普通株14,007,364,952株全部;将来買戻しは集団比例応札,社員交付/第三者発行は旧株主に含まない

share_count_category_note

14,007,364,952 ordinary listed shares from TWSE share listing, used as market cohort proxy; exact Nov 6 treasury vs free shares not independently resolved. Preferred lines excluded.

検証上の留意点

net_sum_formula

net_sum_oku = sum of 11 period parent-attributable IFRS net profit (BEFORE economic allocation of preferred rights), common_share_attributable_profit_sum_oku = net_sum_oku − preferred economic allocation. H1 2026 audited parent IFRS 973.9113 vs common 934.26999.

payout_formula

For old Nov6 cohort, only dated ordinary dividends and pro-rata tender buybacks inside 10 years; pre-Nov6 dividends and intra-group cash transfers are excluded.

mcap_formula

2036 terminal ONLY. 2037 sustainable CF from constrained NI & upstream, excess cash once and foregone interest, debt principal subtracted once with incremental debt interest removed from normalized CF; old cohort ratio.

oldholder_share_eligibility

将来の第三者への新株発行は旧株主の持分を希薄化させます。買戻しは旧株主が比例応募する仮定です。2026年上期に確認された株式報酬は現金決済で、モデルは未確認の新株交付を計上していません。

terminal_future_cash

2037年の持続的な普通株主向けCFは、利益と子会社からの上流資金の制約を比較し、設備・規制資本等に必要な再投資を考慮します。OCI振替やCSMをそのまま現金とせず、終価で取り崩す現金の運用益を差し引きます。株式報酬のための追加株式買戻しは仮定していません。

treat_pref_coupon

2026 H1 EPS divides profits after full prior preferred dividend. Forecast parent earnings are separately allocated to preferred priority. Preferred distributions never added to old common holders.

start_date_2026_11_07_and_end_date_2036_11_06

2026 55/365, 2036 311/366. Years 2027-2035 full, 2028 and 2032 leap years.

severe_taiwan_insurance_transition

Stress insurance capital, OCI and external financing are scenario hypotheticals; actuarial TIS non-disclosed proxy not fabricated.

balance_sheet_identity

Assets = bank deposits + insurance contract liabilities + other group liabilities + parent common equity + preferred original priority + NCI. Balance-sheet growth is memo assumption, not a full published IFRS balance sheet or free CF.

holding_cash

Net new future upstreamed subsidiary cash, not consolidated CFO or insurance investment assets, pays holding cash obligations. Opening 400億 TWD is a scenario proxy; true 2026-11-06 holding cash unknown.

capital_model

FHC qualified capital and required capital are an independent transparent proxy rollforward of 2026-06-30 audited older-rule amounts; not a certified 2026 Q3 regulatory filing. Contrast with 142.30% IR new-rule.

SBC

会社の2026年上期EPS注記では株式報酬は現金決済と記載されています。モデルは将来の株式交付・非現金加算・株数維持のための追加買戻しをゼロとし、通常の人件費は利益に含む仮定です。将来の制度変更や費用の内訳は未確認です。

future_payment_dates

Unannounced annual calendar dates are explicitly hypothetical. Monetary amount zero events trigger regeneration on forecast board, ex-date and holder change; check actual right status before applying past cashflows.

missing_primary_asof

November 6 own treasury/buyback transaction logs, Q3 signed consolidated statements, Nov 6 parent cash, life TIS solvency and post IFRS17 regulatory denominator not verified.

limitations

No imputed exact ETF Taiwanese withholding tax, no assertion of future common dividends, no fictitious parent-level distributable cash from insurer FVOCI gains, no stock split until separately verified.

v2_additional_checks

内容を開く

1: v2: 上期資本の普通/優先配当合計634.95432億元を期首6月末純資産から再控除せず。支払は未払配当と金控単体現金を減らすが自己資本を再減額しない。
2: v2: 9月自結累計1272.2億元−上期監査済973.9113億元=第3四半期298.2887億元をH1後の期首橋渡しに一度だけ使用。2026年11月7日以降の純利益合計に含めない。
3: v2: 9月FVOCI株式売却剰余金振替1227.4億元は純資産内部の振替でありNI/OCI/資本に加算していない。
4: v2: 6月末金控単体現金380.42196−7月31日支払634.95432＋未確認純流入が11月6日開始持株現金となる。開始400億には654.53236億の追加純流入が必要だが実額・内訳は未確認。
5: v2: TIS 140%は2026上半期公表値であり11/6比率は未確認。177%は経営者発言で規制当局が公表値として認めていない。規制資本計算は旧開示方法の分析代理台帳であり現行制度そのものと混ぜない。
6: v2: 優先3系列は無期限・非累積・裁量配当であり発行済普通株数や旧普通株主CFに含めない。
7: v2: 2026H1財務報告の1株利益注記によれば会社の株式報酬はすべて現金決済で加重平均株数に影響なし。将来株式決済へ変更した確認なし、従って追加新株発行=0、終価のSBC追加買付=0。現金決済報酬費用は営業利益に含むと仮定して加算しない。
8: v2: 終価で取り崩す持株会社の余剰現金の運用益を持続CFから減算。保険子会社規制資本、銀行預金、CSM、未分配NCIを現金に足していない。
9: v2: 優先配当の当期経済的配分と実際の翌7月現金支払に時点差がある。ordinary_book_equity_endは優先控除後経済簿価で、gaap_parent_all_classes_equity_endは未払/未宣言経済配分残高を戻してIFRS連結純資産を橋渡し。
10: v2: 古いV1の成長仮定・業種別利益プロファイル・保険負債等の外挿も条件付き予測であり、監査済み11/6実績に変化したわけではない。

initial_balance_and_funding

Four hypothetical funding sources are each balance-sheet closed. Even liquidity shortfall has a mandatory assumed emergency facility to avoid negative paid cash; this is a diagnostic not factual financing.

formal_subsidiary_JulNov2026_dividend_and_issuer_borrowings

Insufficient audited post-Jun parent-separate source/maturity disclosure to assign actual 654.53236; company 9m release is P&L not FHC standalone cash flow.

life_TIS

2026 transition TIS 140% reportable by regulators; informal 177% must not be substituted. TIS child own funds and actual permitted distributions unknown; bank BIS and CET1 stress are analyst haircuts, not regulatory reports.

cash_paid_SBC

H1 EPS note says all issuer share-based awards settled in cash and no dilutive shares; amount of staff bonus expense itself not independently isolated, future plans unknown. EBIT/NI includes ordinary staff costs; no addback.

FHC_bond_2026_maturity

Company issuer bond page P08富邦金2 TWD 3.8bn matures 2026-12-05; MODEL assumes refinance same face at 2.5% vs 0.82%; neither realized refinance nor future rollover rate confirmed.

group_total_assets_synthetic_memo_NOT_audited_asset_by_asset

Consolidated total assets in future rows is a balancing memo (group liabilities + owners + NCI), NOT reconstructed asset-by-asset or independently audited. Parent FHC opening separate balance bridge is explicitly verified arithmetically; asset/liability forecasts are conditional.

obsolete_v2_sensitivity

Removed inherited v2 values because earlier funding gap makes their PV/IRR incompatible with new v3 capital and cash bridges; v3 revalued below.

buyer_of_subsidiary_stake

Share sale at book with no gains is hypothetical and may violate ownership/holding controls without approvals. No actual transaction inferred.

追加データ・検証記録

分析ごとに収録された追加の前提、年度別データ、検証上の注意を確認できます。

追加データを開く →

分析に使用した資料

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分析の要約

事業

競争力・事業の質

業界と環境

財務・資本配分

評価の前提と確認

資本コストの前提

事業別データ

資金源による感応度

10年のシナリオ

構造的な弱気（保険資産毀損・増資）（確率 12.0%）

日付別キャッシュフロー

その他の数値・前提

弱気（保険利回り・信用費用悪化）（確率 23.0%）

中立（正常化した銀行・保険利益）（確率 36.0%）

強気（収益構造改善）（確率 21.0%）

例外的強気（資本効率・利益大幅改善）（確率 8.0%）

分析基準とデータ

検証上の留意点

追加データ・検証記録

分析に使用した資料