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Hana Financial Group (A086790) investor relations material
Hana Financial Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Achieved strong 1H25 results with net income of KRW 2,301.0bn, up 11.2% year-over-year, driven by robust non-interest income and well-controlled expenses.
ROE improved to 10.76%, up 40bp year-over-year, and EPS rose 14.2% to KRW 7,972.
Announced additional share buyback and cancellation, with quarterly DPS increasing due to reduced outstanding shares.
Solid performance supported by quality asset growth, portfolio rebalancing, and disciplined risk management.
Financial highlights
General operating income increased 4.2% year-over-year to KRW 5,889.3bn; interest income up 2.5% to KRW 4,491.1bn.
Fee income grew 4.6% year-over-year, and disposition/valuation gains surged 28.1% year-over-year.
SG&A expenses rose 3.5% year-over-year, but normalized expenses stabilized excluding one-off ERP costs.
Credit loss provision increased 18.3% year-over-year, but credit cost ratio remained within guidance at 0.29%.
Group CET1 ratio improved to 13.39%, up 59bp year-over-year.
Outlook and guidance
Loan growth strategy remains aligned with nominal GDP growth, focusing on portfolio quality and profitability over volume.
CET1 ratio managed within 13%–13.5% target range, supporting the Group's Value Up Plan.
Ongoing cost rationalization and risk control expected to maintain stable credit costs and efficiency.
Explain the drivers of non-interest income growth.
Assess impact of KRW appreciation on CET1.
How is loan growth aligned with GDP growth?
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Next Hana Financial Group earnings date
Q3 202528 Oct, 2025
Next Hana Financial Group earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Hana Financial Group Inc. is a South Korea-based financial holding company that provides a wide array of financial services through its subsidiaries. The company’s offerings include commercial banking, investment banking, wealth management, insurance, and credit card services. It serves individual, corporate, and institutional clients with products such as loans, deposits, foreign exchange, asset management, and financial advisory solutions. The group also engages in securities trading and other financial activities. The company is headquartered in Seoul, South Korea, and its shares are listed on the KRX.
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