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Shinhan Financial Group
Shinhan Financial Group (055550) investor relations material
Shinhan Financial Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
FY2025 net income reached 4.97 Wtn, up 11.7% year-over-year, driven by strong non-interest income and disciplined cost control.
Board approved a cash dividend of KRW 570 plus an additional KRW 310 per share, and a share buyback of 700 Wbn through July 2026.
Total shareholder return for 2025 is 2.5 Wtn, achieving a 50.2% return ratio and early TSR target.
Financial highlights
Operating income before expenses rose 5.2% year-over-year to 15,438.6 Wbn.
Interest income increased 2.6% year-over-year; non-interest income surged 14.4% year-over-year.
Cost-to-income ratio (CIR) improved to 41.5%, and credit cost ratio (CCR) decreased to 0.45%.
CET1 ratio at year-end was 13.33%, up 32bp year-to-date.
Outlook and guidance
2026 capital policy targets predictable shareholder returns, with a focus on maintaining a dividend payout ratio at or above 25%.
RWA growth is projected at 4-5% per annum, with continued emphasis on profitability and capital efficiency.
CIR expected to remain in the low 40% range, and CCR in the low-to-mid 40bp range.
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Next Shinhan Financial Group earnings date
Q1 202624 Apr, 2026
Shinhan Financial Group
Next Shinhan Financial Group earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Shinhan Financial Group Co., Ltd. is a South Korea-based financial holding company offering a comprehensive range of financial services. The group operates through its subsidiaries, providing banking, credit card services, asset management, insurance, and investment banking solutions to individual and corporate clients. Its core offerings include retail and corporate loans, wealth management, foreign exchange services, and financial advisory services. The company is headquartered in Seoul, South Korea, and its shares are listed on the KRX and NYSE.
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