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%）

このシナリオの数値・キャッシュフローを開く →

弱気（保険利回り・信用費用悪化）（確率 23.0%）

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: 2.311172893
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: 41

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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: 102.501924371

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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: 102.501924371
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2027-07-01
record_date_assumed: 2027-07-07
full_issuer_common_dividend_oku: 102.501924371
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: 41
注記: discretionary/noncumulative, not old common holder cash

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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: 84.088726678
actually_modeled_principal_cash_out_oku: 84.088726678
rolled_refinanced_amount_oku: 0
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: 15.337783746
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: 41.123

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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: 132.862200033

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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: 132.862200033
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2028-07-01
record_date_assumed: 2028-07-07
full_issuer_common_dividend_oku: 132.862200033
shares_eligible_at_ex_date: 14007364952
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: 41.123
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: 84.088726678
actually_modeled_principal_cash_out_oku: 84.088726678
rolled_refinanced_amount_oku: 0
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: 12.781486455
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: 41.246369

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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: 138.976675478

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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: 138.976675478
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2029-07-01
record_date_assumed: 2029-07-07
full_issuer_common_dividend_oku: 138.976675478
shares_eligible_at_ex_date: 14007364952
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: 41.246369
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: 84.088726678
actually_modeled_principal_cash_out_oku: 84.088726678
rolled_refinanced_amount_oku: 0
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: 10.225189164
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: 41.370108107

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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: 146.096052759

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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: 146.096052759
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2030-07-01
record_date_assumed: 2030-07-07
full_issuer_common_dividend_oku: 146.096052759
shares_eligible_at_ex_date: 14007364952
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: 41.370108107
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: 84.088726678
actually_modeled_principal_cash_out_oku: 84.088726678
rolled_refinanced_amount_oku: 0
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: 7.668891873
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: 41.494218431

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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: 152.971452072

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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: 152.971452072
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2031-07-01
record_date_assumed: 2031-07-07
full_issuer_common_dividend_oku: 152.971452072
shares_eligible_at_ex_date: 14007364952
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: 41.494218431
注記: discretionary/noncumulative, not old common holder cash

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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: 84.088726678
actually_modeled_principal_cash_out_oku: 84.088726678
rolled_refinanced_amount_oku: 0
additional_emergency_liquidity_draw_oku: 0

内容を開く

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: 5.112594582
legacy_bond_refi_extra_interest_oku: 0.51072

内容を開く

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: 41.618701087

内容を開く

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: 160.249253455

内容を開く

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: 160.249253455
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2032-07-01
record_date_assumed: 2032-07-07
full_issuer_common_dividend_oku: 160.249253455
shares_eligible_at_ex_date: 14007364952
old_cohort_eligible_at_ex_date: 14007364952

内容を開く

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: 41.618701087
注記: discretionary/noncumulative, not old common holder cash

内容を開く

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: 84.088726678
actually_modeled_principal_cash_out_oku: 84.088726678
rolled_refinanced_amount_oku: 0
additional_emergency_liquidity_draw_oku: 0

内容を開く

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: 2.556297291
legacy_bond_refi_extra_interest_oku: 0.51072

内容を開く

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: 41.74355719

内容を開く

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: 250.688009386

内容を開く

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: 250.688009386
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2033-07-01
record_date_assumed: 2033-07-07
full_issuer_common_dividend_oku: 250.688009386
shares_eligible_at_ex_date: 14007364952
old_cohort_eligible_at_ex_date: 14007364952

内容を開く

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: 41.74355719
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_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: 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: 41.868787861

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: 255.551983883

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: 255.551983883
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2034-07-01
record_date_assumed: 2034-07-07
full_issuer_common_dividend_oku: 255.551983883
shares_eligible_at_ex_date: 14007364952
old_cohort_eligible_at_ex_date: 14007364952

内容を開く

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: 41.868787861
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_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: 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: 41.994394225

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: 260.156061203

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: 260.156061203
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2035-07-01
record_date_assumed: 2035-07-07
full_issuer_common_dividend_oku: 260.156061203
shares_eligible_at_ex_date: 14007364952
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: 41.994394225
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: 42.120377408

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: 265.265412735

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: 265.265412735
currency_amount_unit: 億TWD
is_date_assumed: はい
forecast: はい
is_old_common_holder_received_cash: はい
ex_date_assumed: 2036-07-01
record_date_assumed: 2036-07-07
full_issuer_common_dividend_oku: 265.265412735
shares_eligible_at_ex_date: 14007364952
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: 42.120377408
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: 89.074836359
bank_credit_cost_pre_tax_oku: 19.53709104
bank_after_tax_profit_oku: 55.630196255
life_after_tax_profit_oku: 37.114515149
property_insurance_after_tax_profit_oku: 9.649773939
securities_after_tax_profit_oku: 9.649773939
asset_mgmt_after_tax_profit_oku: 1.7727639
group_adjustments_after_tax_oku: -10.443510104
consolidated_parent_profit_before_pref_oku: 101.025960129
preferred_economic_annual_claim_allocated_oku: 6.159603382
parent_ordinary_net_profit_oku: 94.866356747
nci_profit_oku: 0.890748364
consolidated_total_profit_before_pref_oku: 101.916708493
non_cash_oci_movement_oku: -7.534246575
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 11514.79255
ordinary_book_equity_end_oku: 11602.124660172
opening_nci_book_equity_oku: 164.53963
nci_cash_distribution_oku: 0.267224509
nci_book_equity_end_oku: 165.163153855
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 12733.441417409
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: 250
modeled_upstreamed_cash_from_subsidiaries_oku: 43.559584456
holding_company_cash_overhead_oku: 3.767123288
holding_company_cash_at_end_proxy_oku: 287.44490822
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 11093.21905
regulatory_required_start_proxy_oku: 9405.169306246
regulatory_qualified_capital_end_proxy_oku: 11182.811434144
regulatory_required_capital_end_proxy_oku: 9436.060689447
regulatory_capital_adequacy_end_proxy_pct: 118.5114403
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: 47836.111029938
bank_deposits_start_memo_oku: 52131.65681
bank_deposits_end_memo_oku: 52287.44778152
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: 125661.87531957
consolidated_group_assets_end_balance_identity_oku: 138395.31673697
csm_start_memo_oku: 4351.32
new_business_csm_oku: 66.542465753
csm_release_memo_oku: 49.175876712
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 4368.686589041
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: 12568.278263554
gaap_ordinary_book_equity_end_proxy_oku: 11608.284263554
preferred_economic_accrual_unpaid_at_open_oku: 0
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 52.184593158
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 3.117619273
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 5.507389429
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: 101.025960129
parent_ordinary_after_preference_allocation_oku: 94.866356747
parent_income_change_preferred_discretionary_normalization_oku: 6.159603382
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 2.311172893
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.036380055
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 125661.87531957
group_total_liabilities_end_memo_oku: 125661.87531957
incremental_holding_loan_interest_after_tax_cash_oku: 2.311172893
holding_refinanced_old_bond_extra_interest_cash_oku: 0.036380055
holding_company_new_funding_debt_at_start_oku: 504.53236007
holding_company_new_funding_debt_at_end_oku: 504.53236007
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: 1912.80963007
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: 600
bank_credit_cost_pre_tax_oku: 131.25
bank_after_tax_profit_oku: 375
life_after_tax_profit_oku: 250
property_insurance_after_tax_profit_oku: 65
securities_after_tax_profit_oku: 65
asset_mgmt_after_tax_profit_oku: 12
group_adjustments_after_tax_oku: -70
consolidated_parent_profit_before_pref_oku: 681.151496254
preferred_economic_annual_claim_allocated_oku: 41
parent_ordinary_net_profit_oku: 640.151496254
nci_profit_oku: 6
consolidated_total_profit_before_pref_oku: 687.151496254
non_cash_oci_movement_oku: -650
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 11602.124660172
ordinary_book_equity_end_oku: 11489.774232055
opening_nci_book_equity_oku: 165.163153855
nci_cash_distribution_oku: 1.8
nci_book_equity_end_oku: 169.363153855
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 12625.290989292
ordinary_dividend_company_cash_oku: 102.501924371
ordinary_dividend_per_share_twd: 0.731771641
preferred_dividend_company_cash_oku: 41
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 102.501924371
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 102.501924371
holding_company_cash_at_start_proxy_oku: 287.44490822
modeled_upstreamed_cash_from_subsidiaries_oku: 293.575
holding_company_cash_overhead_oku: 25
holding_company_cash_at_end_proxy_oku: 312.580753425
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 11182.811434144
regulatory_required_start_proxy_oku: 9436.060689447
regulatory_qualified_capital_end_proxy_oku: 11265.461006027
regulatory_required_capital_end_proxy_oku: 9643.654024615
regulatory_capital_adequacy_end_proxy_pct: 116.8173493
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 47836.111029938
insurance_contract_liability_end_memo_oku: 48649.324917447
bank_deposits_start_memo_oku: 52287.44778152
bank_deposits_end_memo_oku: 53333.196737151
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: 127887.35755069
consolidated_group_assets_end_balance_identity_oku: 140512.64853998
csm_start_memo_oku: 4368.686589041
new_business_csm_oku: 441.6
csm_release_memo_oku: 327.651494178
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 4482.635094863
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: 12455.927835437
gaap_ordinary_book_equity_end_proxy_oku: 11495.933835437
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 351.7
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 21
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 37.125
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 259.136335242
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: 681.151496254
parent_ordinary_after_preference_allocation_oku: 640.151496254
parent_income_change_preferred_discretionary_normalization_oku: 41
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 15.337783746
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 127971.44627737
group_total_liabilities_end_memo_oku: 127887.35755069
incremental_holding_loan_interest_after_tax_cash_oku: 15.337783746
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 504.53236007
holding_company_new_funding_debt_at_end_oku: 420.443633392
holding_company_new_funding_principal_matured_due_oku: 84.088726678
holding_company_new_funding_principal_REPAID_oku: 84.088726678
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: 1828.720903392
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: 609
bank_credit_cost_pre_tax_oku: 132.864375
bank_after_tax_profit_oku: 380.9085
life_after_tax_profit_oku: 253.75
property_insurance_after_tax_profit_oku: 65.975
securities_after_tax_profit_oku: 65.975
asset_mgmt_after_tax_profit_oku: 12.24
group_adjustments_after_tax_oku: -70.7
consolidated_parent_profit_before_pref_oku: 694.856293545
preferred_economic_annual_claim_allocated_oku: 41.123
parent_ordinary_net_profit_oku: 653.733293545
nci_profit_oku: 6.09
consolidated_total_profit_before_pref_oku: 700.946293545
non_cash_oci_movement_oku: 100
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 11489.774232055
ordinary_book_equity_end_oku: 12110.645325567
opening_nci_book_equity_oku: 169.363153855
nci_cash_distribution_oku: 1.827
nci_book_equity_end_oku: 173.626153855
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 13250.425082804
ordinary_dividend_company_cash_oku: 132.862200033
ordinary_dividend_per_share_twd: 0.9485167302
preferred_dividend_company_cash_oku: 41.123
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 132.862200033
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 132.862200033
holding_company_cash_at_start_proxy_oku: 312.580753425
modeled_upstreamed_cash_from_subsidiaries_oku: 298.1424835
holding_company_cash_overhead_oku: 25.3
holding_company_cash_at_end_proxy_oku: 314.057103758
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 11265.461006027
regulatory_required_start_proxy_oku: 9643.654024615
regulatory_qualified_capital_end_proxy_oku: 11856.332099539
regulatory_required_capital_end_proxy_oku: 9855.814413157
regulatory_capital_adequacy_end_proxy_pct: 120.2978425
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 48649.324917447
insurance_contract_liability_end_memo_oku: 49476.363441044
bank_deposits_start_memo_oku: 53333.196737151
bank_deposits_end_memo_oku: 54399.860671894
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: 130155.69034308
consolidated_group_assets_end_balance_identity_oku: 143406.11542588
csm_start_memo_oku: 4482.635094863
new_business_csm_oku: 443.808
csm_release_memo_oku: 336.197632115
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 4590.245462748
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: 13076.798928949
gaap_ordinary_book_equity_end_proxy_oku: 12116.804928949
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 357.167425
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 21.315
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 37.7099415
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 261.728259145
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: 694.856293545
parent_ordinary_after_preference_allocation_oku: 653.733293545
parent_income_change_preferred_discretionary_normalization_oku: 41.123
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 12.781486455
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 130239.77906976
group_total_liabilities_end_memo_oku: 130155.69034308
incremental_holding_loan_interest_after_tax_cash_oku: 12.781486455
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 420.443633392
holding_company_new_funding_debt_at_end_oku: 336.354906713
holding_company_new_funding_principal_matured_due_oku: 84.088726678
holding_company_new_funding_principal_REPAID_oku: 84.088726678
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: 1744.632176713
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: 618.135
bank_credit_cost_pre_tax_oku: 134.498606812
bank_after_tax_profit_oku: 386.90911455
life_after_tax_profit_oku: 257.55625
property_insurance_after_tax_profit_oku: 66.964625
securities_after_tax_profit_oku: 66.964625
asset_mgmt_after_tax_profit_oku: 12.4848
group_adjustments_after_tax_oku: -71.407
consolidated_parent_profit_before_pref_oku: 708.736505386
preferred_economic_annual_claim_allocated_oku: 41.246369
parent_ordinary_net_profit_oku: 667.490136386
nci_profit_oku: 6.18135
consolidated_total_profit_before_pref_oku: 714.917855386
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 12110.645325567
ordinary_book_equity_end_oku: 12639.158786474
opening_nci_book_equity_oku: 173.626153855
nci_cash_distribution_oku: 1.854405
nci_book_equity_end_oku: 177.953098855
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 13783.265488711
ordinary_dividend_company_cash_oku: 138.976675478
ordinary_dividend_per_share_twd: 0.992168591
preferred_dividend_company_cash_oku: 41.246369
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 138.976675478
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 138.976675478
holding_company_cash_at_start_proxy_oku: 314.057103758
modeled_upstreamed_cash_from_subsidiaries_oku: 302.780771912
holding_company_cash_overhead_oku: 25.6036
holding_company_cash_at_end_proxy_oku: 316.186595349
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 11856.332099539
regulatory_required_start_proxy_oku: 9855.814413157
regulatory_qualified_capital_end_proxy_oku: 12384.845560447
regulatory_required_capital_end_proxy_oku: 10072.642330246
regulatory_capital_adequacy_end_proxy_pct: 122.9552798
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 49476.363441044
insurance_contract_liability_end_memo_oku: 50317.461619541
bank_deposits_start_memo_oku: 54399.860671894
bank_deposits_end_memo_oku: 55487.857885331
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: 132467.67301216
consolidated_group_assets_end_balance_identity_oku: 146250.93850087
csm_start_memo_oku: 4590.245462748
new_business_csm_oku: 446.02704
csm_release_memo_oku: 344.268409706
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 4692.004093042
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: 13605.312389856
gaap_ordinary_book_equity_end_proxy_oku: 12645.318389856
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 362.719499252
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 21.634725
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 38.30400234
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 264.346107892
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 0.192954699
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: 708.736505386
parent_ordinary_after_preference_allocation_oku: 667.490136386
parent_income_change_preferred_discretionary_normalization_oku: 41.246369
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 10.225189164
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 132551.76173884
group_total_liabilities_end_memo_oku: 132467.67301216
incremental_holding_loan_interest_after_tax_cash_oku: 10.225189164
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 336.354906713
holding_company_new_funding_debt_at_end_oku: 252.266180035
holding_company_new_funding_principal_matured_due_oku: 84.088726678
holding_company_new_funding_principal_REPAID_oku: 84.088726678
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: 1660.543450035
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: 627.407025
bank_credit_cost_pre_tax_oku: 136.152939676
bank_after_tax_profit_oku: 393.003268259
life_after_tax_profit_oku: 261.41959375
property_insurance_after_tax_profit_oku: 67.969094375
securities_after_tax_profit_oku: 67.969094375
asset_mgmt_after_tax_profit_oku: 12.734496
group_adjustments_after_tax_oku: -72.12107
consolidated_parent_profit_before_pref_oku: 722.794864886
preferred_economic_annual_claim_allocated_oku: 41.370108107
parent_ordinary_net_profit_oku: 681.424756779
nci_profit_oku: 6.27407025
consolidated_total_profit_before_pref_oku: 729.068935136
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 12639.158786474
ordinary_book_equity_end_oku: 13174.487490494
opening_nci_book_equity_oku: 177.953098855
nci_cash_distribution_oku: 1.882221075
nci_book_equity_end_oku: 182.34494803
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 14322.986041906
ordinary_dividend_company_cash_oku: 146.096052759
ordinary_dividend_per_share_twd: 1.0429945479
preferred_dividend_company_cash_oku: 41.370108107
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 146.096052759
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 146.096052759
holding_company_cash_at_start_proxy_oku: 316.186595349
modeled_upstreamed_cash_from_subsidiaries_oku: 307.490961053
holding_company_cash_overhead_oku: 25.9108432
holding_company_cash_at_end_proxy_oku: 318.032213785
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 12384.845560447
regulatory_required_start_proxy_oku: 10072.642330246
regulatory_qualified_capital_end_proxy_oku: 12920.174264467
regulatory_required_capital_end_proxy_oku: 10294.240461512
regulatory_capital_adequacy_end_proxy_pct: 125.5087669
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 50317.461619541
insurance_contract_liability_end_memo_oku: 51172.858467074
bank_deposits_start_memo_oku: 55487.857885331
bank_deposits_end_memo_oku: 56597.615043038
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: 134824.11986261
consolidated_group_assets_end_balance_identity_oku: 149147.10590452
csm_start_memo_oku: 4692.004093042
new_business_csm_oku: 448.2571752
csm_release_memo_oku: 351.900306978
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 4788.360961264
shares_outstanding_start: 14007364952
old_cohort_shares_start: 14007364952
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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: 14140.641093876
gaap_ordinary_book_equity_end_proxy_oku: 13180.647093876
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 368.357530486
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 21.959245875
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 38.907323558
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 266.990140787
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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
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parent_ordinary_after_preference_allocation_oku: 681.424756779
parent_income_change_preferred_discretionary_normalization_oku: 41.370108107
incremental_parent_income_loss_from_funding_source_oku: 0
incremental_parent_interest_cash_after_tax_oku: 7.668891873
existing_FHC_bond_38oku_refinancing_spread_after_tax_oku: 0.51072
NCI_incremental_new_stake_buyer_profit_oku: 0
opening_group_liability_memo_oku: 134908.20858929
group_total_liabilities_end_memo_oku: 134824.11986261
incremental_holding_loan_interest_after_tax_cash_oku: 7.668891873
holding_refinanced_old_bond_extra_interest_cash_oku: 0.51072
holding_company_new_funding_debt_at_start_oku: 252.266180035
holding_company_new_funding_debt_at_end_oku: 168.177453357
holding_company_new_funding_principal_matured_due_oku: 84.088726678
holding_company_new_funding_principal_REPAID_oku: 84.088726678
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: 1576.454723357
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: 636.818130375
bank_credit_cost_pre_tax_oku: 137.827620834
bank_after_tax_profit_oku: 399.192407633
life_after_tax_profit_oku: 265.340887656
property_insurance_after_tax_profit_oku: 68.988630791
securities_after_tax_profit_oku: 68.988630791
asset_mgmt_after_tax_profit_oku: 12.98918592
group_adjustments_after_tax_oku: -72.8422807
consolidated_parent_profit_before_pref_oku: 737.034147508
preferred_economic_annual_claim_allocated_oku: 41.494218431
parent_ordinary_net_profit_oku: 695.539929077
nci_profit_oku: 6.368181304
consolidated_total_profit_before_pref_oku: 743.402328812
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consolidated_total_equity_end_oku: 14870.012245824
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ordinary_dividend_per_share_twd: 1.0920787214
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issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 152.971452072
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old_holder_period_cashflow_oku: 152.971452072
holding_company_cash_at_start_proxy_oku: 318.032213785
modeled_upstreamed_cash_from_subsidiaries_oku: 312.274163705
holding_company_cash_overhead_oku: 26.221773318
holding_company_cash_at_end_proxy_oku: 319.906892409
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 12920.174264467
regulatory_required_start_proxy_oku: 10294.240461512
regulatory_qualified_capital_end_proxy_oku: 13462.742741472
regulatory_required_capital_end_proxy_oku: 10520.713751665
regulatory_capital_adequacy_end_proxy_pct: 127.9641577
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 51172.858467074
insurance_contract_liability_end_memo_oku: 52042.797061014
bank_deposits_start_memo_oku: 56597.615043038
bank_deposits_end_memo_oku: 57729.567343899
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other_group_liabilities_incl_debt_end_memo_oku: 27369.407339327
total_group_liabilities_end_memo_oku: 137225.86047092
consolidated_group_assets_end_balance_identity_oku: 152095.87271674
csm_start_memo_oku: 4788.360961264
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csm_release_memo_oku: 359.127072095
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 4879.732350245
shares_outstanding_start: 14007364952
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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: 14683.209570881
gaap_ordinary_book_equity_end_proxy_oku: 13723.215570881
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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
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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: 374.082846624
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 22.288634563
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 39.520048356
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
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funding_branch: external_borrowing
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end: 2031-12-31
days: 365
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incremental_parent_interest_cash_after_tax_oku: 5.112594582
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NCI_incremental_new_stake_buyer_profit_oku: 0
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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: 1492.365996678
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
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bank_credit_cost_pre_tax_oku: 139.522900571
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nci_profit_oku: 6.463704023
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forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
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preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
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sbc_current_disclosed_H1_settlement_cash_only: はい
cash_settled_SBC_cost_assumed_already_in_operating_expense: はい
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bank_reported_H1_2026_BIS_pct_not_updated_asof_cutoff: 15.35
bank_reported_H1_2026_Tier1_pct_not_updated_asof_cutoff: 13.29
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subsidiary_upstream_baseline_before_TIS_BIS_haircuts_oku: 379.896796094
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end: 2032-12-31
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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
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group_adjustments_after_tax_oku: -74.306410542
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nci_profit_oku: 6.560659584
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preferred_equity_priority_oku: 959.994
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regulatory_capital_adequacy_end_proxy_pct: 131.825826
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other_group_liabilities_incl_debt_end_memo_oku: 28363.57369152
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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: 15706.43402117
gaap_ordinary_book_equity_end_proxy_oku: 14746.44002117
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 385.800748151
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 22.962308543
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 40.774292549
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 275.081976475
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 21.616258418
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: 766.066799682
parent_ordinary_after_preference_allocation_oku: 724.323242492
parent_income_change_preferred_discretionary_normalization_oku: 41.74355719
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: 142252.70808555
group_total_liabilities_end_memo_oku: 142252.70808555
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: 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: 665.906947741
bank_credit_cost_pre_tax_oku: 142.976272344
bank_after_tax_profit_oku: 418.344540317
life_after_tax_profit_oku: 277.461228225
property_insurance_after_tax_profit_oku: 72.139919339
securities_after_tax_profit_oku: 72.139919339
asset_mgmt_after_tax_profit_oku: 13.784228012
group_adjustments_after_tax_oku: -75.049474647
consolidated_parent_profit_before_pref_oku: 778.309640584
preferred_economic_annual_claim_allocated_oku: 41.868787861
parent_ordinary_net_profit_oku: 736.440852723
nci_profit_oku: 6.659069477
consolidated_total_profit_before_pref_oku: 784.968710061
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 14740.280417788
ordinary_book_equity_end_oku: 15221.169286629
opening_nci_book_equity_oku: 195.919729468
nci_cash_distribution_oku: 1.997720843
nci_book_equity_end_oku: 200.581078102
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 16387.903968113
ordinary_dividend_company_cash_oku: 255.551983883
ordinary_dividend_per_share_twd: 1.8244115489
preferred_dividend_company_cash_oku: 41.868787861
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 255.551983883
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 255.551983883
holding_company_cash_at_start_proxy_oku: 323.745257843
modeled_upstreamed_cash_from_subsidiaries_oku: 327.073240528
holding_company_cash_overhead_oku: 27.177130275
holding_company_cash_at_end_proxy_oku: 325.709876353
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 14485.967191761
regulatory_required_start_proxy_oku: 10988.717182194
regulatory_qualified_capital_end_proxy_oku: 14966.856060601
regulatory_required_capital_end_proxy_oku: 11230.468960202
regulatory_capital_adequacy_end_proxy_pct: 133.2700897
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 53827.292529439
insurance_contract_liability_end_memo_oku: 54742.356502439
bank_deposits_start_memo_oku: 60061.841864592
bank_deposits_end_memo_oku: 61263.078701884
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: 144879.55322229
consolidated_group_assets_end_balance_identity_oku: 161267.4571904
csm_start_memo_oku: 5049.030332205
new_business_csm_oku: 457.289781689
csm_release_memo_oku: 378.677274915
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 5127.642838978
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: 16187.322890011
gaap_ordinary_book_equity_end_proxy_oku: 15227.328890011
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 391.79609319
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 23.306743171
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 41.416109491
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 277.833391274
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 19.806068883
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: 778.309640584
parent_ordinary_after_preference_allocation_oku: 736.440852723
parent_income_change_preferred_discretionary_normalization_oku: 41.868787861
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: 144879.55322229
group_total_liabilities_end_memo_oku: 144879.55322229
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: 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: 675.895551957
bank_credit_cost_pre_tax_oku: 144.734880494
bank_after_tax_profit_oku: 424.92853717
life_after_tax_profit_oku: 281.623146649
property_insurance_after_tax_profit_oku: 73.222018129
securities_after_tax_profit_oku: 73.222018129
asset_mgmt_after_tax_profit_oku: 14.059912572
group_adjustments_after_tax_oku: -75.799969394
consolidated_parent_profit_before_pref_oku: 790.744943255
preferred_economic_annual_claim_allocated_oku: 41.994394225
parent_ordinary_net_profit_oku: 748.75054903
nci_profit_oku: 6.75895552
consolidated_total_profit_before_pref_oku: 797.503898775
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 15221.169286629
ordinary_book_equity_end_oku: 15709.763774455
opening_nci_book_equity_oku: 200.581078102
nci_cash_distribution_oku: 2.027686656
nci_book_equity_end_oku: 205.312346966
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 16881.229724803
ordinary_dividend_company_cash_oku: 260.156061203
ordinary_dividend_per_share_twd: 1.8572805242
preferred_dividend_company_cash_oku: 41.994394225
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 260.156061203
buyback_tender_cash_received_by_initial_holder_cohort_oku: 0
old_holder_period_cashflow_oku: 260.156061203
holding_company_cash_at_start_proxy_oku: 325.709876353
modeled_upstreamed_cash_from_subsidiaries_oku: 332.159973586
holding_company_cash_overhead_oku: 27.503255838
holding_company_cash_at_end_proxy_oku: 327.705418672
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 14966.856060601
regulatory_required_start_proxy_oku: 11230.468960202
regulatory_qualified_capital_end_proxy_oku: 15455.450548428
regulatory_required_capital_end_proxy_oku: 11477.539277327
regulatory_capital_adequacy_end_proxy_pct: 134.658224
recapitalization_new_common_cash_from_nonholders_oku: 0
recapitalization_new_shares: 0
insurance_contract_liability_start_memo_oku: 54742.356502439
insurance_contract_liability_end_memo_oku: 55672.976562981
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bank_deposits_end_memo_oku: 62488.340275922
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: 147555.16898119
consolidated_group_assets_end_balance_identity_oku: 164436.398706
csm_start_memo_oku: 5127.642838978
new_business_csm_oku: 459.576230597
csm_release_memo_oku: 384.573212923
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 5202.645856652
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: 16675.917377837
gaap_ordinary_book_equity_end_proxy_oku: 15715.923377837
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: 6.159603382
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: 397.884243084
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 23.656344319
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 42.06792518
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 280.612326173
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 17.95000265
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
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parent_income_change_preferred_discretionary_normalization_oku: 41.994394225
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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
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holding_company_new_funding_debt_at_end_oku: 0
holding_company_new_funding_principal_matured_due_oku: 0
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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: 582.941446471
bank_credit_cost_pre_tax_oku: 124.497820142
bank_after_tax_profit_oku: 366.754901064
life_after_tax_profit_oku: 242.892269363
property_insurance_after_tax_profit_oku: 63.151990034
securities_after_tax_profit_oku: 63.151990034
asset_mgmt_after_tax_profit_oku: 12.186025864
group_adjustments_after_tax_oku: -65.053356247
consolidated_parent_profit_before_pref_oku: 682.649847653
preferred_economic_annual_claim_allocated_oku: 35.790812497
parent_ordinary_net_profit_oku: 646.859035156
nci_profit_oku: 5.829414465
consolidated_total_profit_before_pref_oku: 688.479262118
non_cash_oci_movement_oku: 0
reclassified_fvoci_disposal_gain_to_net_profit_oku: 0
opening_ordinary_book_equity_oku: 15709.763774455
ordinary_book_equity_end_oku: 16091.357396877
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nci_cash_distribution_oku: 1.748824339
nci_book_equity_end_oku: 209.392937092
preferred_equity_priority_oku: 959.994
consolidated_total_equity_end_oku: 17260.57437244
ordinary_dividend_company_cash_oku: 265.265412735
ordinary_dividend_per_share_twd: 1.8937567033
preferred_dividend_company_cash_oku: 42.120377408
issuer_buyback_company_cash_oku: 0
ordinary_dividends_received_by_initial_holder_cohort_oku: 265.265412735
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holding_company_cash_at_start_proxy_oku: 327.705418672
modeled_upstreamed_cash_from_subsidiaries_oku: 286.634550229
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holding_company_cash_at_end_proxy_oku: 282.869510353
holding_company_debt_unchanged_proxy_oku: 1408.27727
regulatory_capital_start_proxy_oku: 15455.450548428
regulatory_required_start_proxy_oku: 11477.539277327
regulatory_qualified_capital_end_proxy_oku: 15837.044170849
regulatory_required_capital_end_proxy_oku: 11691.74855751
regulatory_capital_adequacy_end_proxy_pct: 135.4548816
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recapitalization_new_shares: 0
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insurance_contract_liability_end_memo_oku: 56476.171876222
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bank_deposits_end_memo_oku: 63548.716860023
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other_group_liabilities_incl_debt_end_memo_oku: 29842.829636076
total_group_liabilities_end_memo_oku: 149867.71837232
consolidated_group_assets_end_balance_identity_oku: 167128.29274476
csm_start_memo_oku: 5202.645856652
new_business_csm_oku: 392.466799875
csm_release_memo_oku: 331.562061766
csm_non_cash_valuation_shock_oku: 0
csm_end_memo_oku: 5263.550594762
shares_outstanding_start: 14007364952
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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
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forecast_does_not_count_2026_pre_cutoff_earnings_again: はい
gaap_parent_all_classes_equity_end_proxy_oku: 17051.181435348
gaap_ordinary_book_equity_end_proxy_oku: 16091.187435348
preferred_economic_accrual_unpaid_at_open_oku: 6.159603382
preferred_economic_accrual_unpaid_at_end_oku: -0.169961529
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: 343.346236061
subsidiary_life_upstream_increment_removed_by_TIS_uncertainty_oku: 20.402950626
subsidiary_bank_upstream_increment_removed_by_BIS_uncertainty_oku: 36.308735205
subsidiary_internal_payment_not_ordinary_holder_cashflow: はい
dividend_target_before_cash_and_capital_buffer_oku: 283.41905643
ordinary_distribution_withheld_for_cash_or_regulatory_proxy_oku: 62.555579556
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: 682.649847653
parent_ordinary_after_preference_allocation_oku: 646.859035156
parent_income_change_preferred_discretionary_normalization_oku: 35.790812497
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: 149867.71837232
group_total_liabilities_end_memo_oku: 149867.71837232
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）

7414.827670607

純利益

7414.827670607

common_share_attributable_profit_sum_oku

6999.418118827

preferred_economic_normalization_sum_oku

415.40955178

期間内株主受取

1865.319025375

payout_old_cohort_dividends_oku

1865.319025375

payout_old_cohort_tender_buybacks_oku

終価

2053.796368923

terminal_old_cohort_mcap_oku

2053.796368923

terminal_company_common_mcap_oku

2053.796368923

terminal_old_cohort_equivalence_factor

terminal_company_common_shares

14007364952

terminal_old_cohort_shares

14007364952

equity_oku

16091.357396877

terminal_2036_parent_cash_oku

282.869510353

terminal_2036_INCREMENTAL_debt_principal_oku

terminal_2037_normalized_common_earnings_EX_INCREMENTAL_LOAN_INTEREST_oku

773.958230847

terminal_2037_subsidiary_upstream_under_regulatory_haircuts_oku

342.602514371

terminal_2037_pref_claim_oku

42.24673854

terminal_2037_holding_cost_oku

28.167294447

terminal_2037_reinvestment_oku

259.875926404

terminal_2037_other_holdback_oku

terminal_2037_earnings_cap_oku

422.756392277

terminal_2037_upstream_cap_oku

180.862569218

terminal_sustainable_owner_cf_2037_oku

180.862569218

terminal_growth

0.012

terminal_cash_excess_ONE_TIME_oku

66.295608282

terminal_2037_cash_interest_foregone_AFTER_ONE_TIME_LIQUIDATION_oku

1.325912166

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

-0.17412586356

pv_intrinsic_old_holder_cohort_oku

1835.194888736

pv_intrinsic_per_initial_common_share_twd

13.101642565

opening_funding_bridge

内容を開く

branch: external_borrowing
funding_required_for_v2_target_oku: 504.53236007
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: 504.53236007
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: 250
2026_11_06_parent_standalone_liabilities_conditional_oku: 2522.67741
2026_11_06_parent_standalone_total_assets_conditional_oku: 14997.46396
2026_11_06_parent_standalone_fvtpl_assets_oku: 194.94737
2026_11_06_parent_standalone_equity_method_investments_oku: 14312.46146
2026_11_06_parent_standalone_other_assets_unverified_held_constant_oku: 240.05513
2026_11_06_parent_equity_all_classes_oku: 12474.78655
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: 298.2887
precutoff_unverified_OCI_oku: -500
legal_payout_and_sale_permissions_not_verified: はい

annual_cash_paydown_total_oku

504.532360068

annual_cumulative_incremental_debt_interest_after_tax_oku

55.993416004

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%）

弱気（保険利回り・信用費用悪化）（確率 23.0%）

日付別キャッシュフロー

その他の数値・前提

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