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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.
Future capital allocation strategy for TSR
Strategy for consumer finance and non-interest growth
Digital/Green Finance long-term value creation
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Latest events from Shinhan Financial Group
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Q3 202418 Jan 2026 - Q1 net income up 12.6% YoY; CET1 at 13.27%; shareholder returns accelerating.055550Q1 202521 Dec 2025
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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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