FinanceBRIEF

Taiwan's Banking, Insurance, and Securities Sectors Post NT$1,001.8 Billion Combined Profit Through July, FSC Data Show

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EffectStory 編輯部Editorial Team
Published · Updated
Taiwan's banking, insurance, and securities sectors posted combined pre-tax profit of NT$1,001.8 billion for the first seven months of the year, up 105.8% year-on-year and crossing the NT$1 trillion mark for the period. Banking held the largest profit share at 47.5%, while securities, futures, and investment trust firms grew fastest at 188%, though a 6% July stock-market decline cut that month's combined profit by NT$51.964 billion.

How much did Taiwan's three financial sectors earn through July, and how fast did profit grow?

Taiwan's banking, insurance, and securities sectors together posted pre-tax profit of NT$1,001.8 billion for the January-July period, up 105.8% year-on-yearCITE:E1. The combined result crossed the NT$1 trillion mark for the seven-month periodCITE:E1.

SectorProfit (Jan-Jul)YoY Change
Three financial sectors combinedNT$1,001.8 billion+105.8%
BankingNT$476.36 billion+28.8%
InsuranceNT$311.5 billion
Securities, futures & investment trustNT$213.996 billion+188%

How did the banking sector perform through July, and what record did it set?

Taiwan's banking sector recorded pre-tax profit of NT$476.36 billion in the first seven months, up 28.8% year-on-yearCITE:E2. Domestic banks alone earned NT$424.11 billion, up 20.1% from a year earlier, and both the banking sector overall and domestic banks specifically marked record highs for the same periodCITE:E2.

How did the insurance sector perform, and how did life and property insurance differ?

Taiwan's insurance sector generated NT$311.5 billion in profit through July, with life insurers contributing NT$277.7 billion and property insurers NT$33.8 billionCITE:E3.

Insurance segmentTotal profitInsurance service resultFinancial resultOther operating result
Life insuranceNT$277.7 billionNT$120.7 billionNT$208.9 billion−NT$52.6 billion
Property insuranceNT$33.8 billionNT$25.5 billionNT$12.9 billion

Life insurers' profit was driven by an insurance service result of NT$120.7 billion and a financial result of NT$208.9 billion, offset by an other operating result of negative NT$52.6 billionCITE:E3. Property insurers' profit came mainly from an insurance service result of NT$25.5 billion and a financial result of NT$12.9 billionCITE:E3.

Why did securities, futures, and investment trust profits surge, and how did growth differ across the three?

Higher Taiwan stock market trading volume compared with the same period last year pushed combined profit at securities, futures, and investment trust firms to NT$213.996 billion in the first seven months, up 188% year-on-yearCITE:E4.

Sub-sectorProfit (Jan-Jul)YoY ChangeDriver
SecuritiesNT$174.594 billion+225%Growth across brokerage, proprietary trading, and underwriting
Investment trustNT$29.359 billion+over 90%Rising assets under management and management fee income
FuturesNT$10.043 billion+nearly 80%Increased gains from disposing of securities investments held with own capital

Securities firms alone earned NT$174.594 billion, up 225% year-on-year, with brokerage, proprietary trading, and underwriting businesses all growingCITE:E5. Investment trust firms earned NT$29.359 billion, up more than 90%, as rising assets under management lifted management fee incomeCITE:E5. Futures firms earned NT$10.043 billion, up nearly 80%, driven by increased gains from disposing of securities investments made with their own capitalCITE:E5.

How is profit distributed across Taiwan's three financial sectors?

Banking accounted for the largest share of combined profit at 47.5%, followed by insurance at 31% and securities, futures, and investment trust firms at about 21%CITE:E6.

SectorShare of combined profit
Banking47.5%
Insurance31%
Securities, futures & investment trust~21%

How did market volatility affect single-month earnings?

Taiwan's stock market fell 6% in July, and combined profit across the three financial sectors dropped to NT$95.351 billion for the month, a decrease of NT$51.964 billion from the prior monthCITE:E7.

MetricValue
July stock market change−6%
July single-month combined profitNT$95.351 billion
Month-on-month decrease−NT$51.964 billion

What does this mean

The seven-month total shows banking as the largest and steadiest contributor at 47.5% of combined profit with 28.8% growthCITE:E2CITE:E6, while the securities, futures, and investment trust group grew fastest at 188% but still made up only about 21% of the totalCITE:E4CITE:E6. That growth was tied directly to trading activity: when Taiwan's stock market fell 6% in July, the three sectors' combined single-month profit dropped by NT$51.964 billion from JuneCITE:E7, underscoring that the record seven-month pace built up through July remains sensitive to swings in market volume.

📊 Evidence

FAQ

How much did Taiwan's three financial sectors earn through July, and how fast did profit grow?

Taiwan's banking, insurance, and securities sectors together posted pre-tax profit of NT$1,001.8 billion for the January-July period, up 105.

How did the banking sector perform through July, and what record did it set?

Taiwan's banking sector recorded pre-tax profit of NT$476.36 billion in the first seven months, up 28.8% year-on-yearCITE:E2.

How did the insurance sector perform, and how did life and property insurance differ?

Taiwan's insurance sector generated NT$311.5 billion in profit through July, with life insurers contributing NT$277.7 billion and property insurers NT$33.

Why did securities, futures, and investment trust profits surge, and how did growth differ across the three?

Higher Taiwan stock market trading volume compared with the same period last year pushed combined profit at securities, futures, and investment trust firms to N…

📎 Sources

  1. cna.com.tw
  2. money.udn.com

Related data

Author's TakeEffectStory 編輯部

The seven-month numbers point to a profit mix skewed toward market-sensitive revenue: securities, futures, and investment trust firms delivered the fastest growth at 188%, but that segment still accounts for only about 21% of combined profit, while banking's steadier 28.8% growth anchors 47.5% of the total. That imbalance is exactly what showed up in July, when a 6% stock market decline cut single-month sector profit by NT$51.964 billion. The figure worth tracking next is how much of the securities, futures, and investment trust group's 213.996 billion in profit holds up if trading volume doesn't stay elevated through the rest of the year — that sub-sector's outsized growth rate, not banking's steadier gains, is what determines whether the full-year total keeps pace with the first-seven-month run rate.

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EffectStory 編輯部Editorial Team

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