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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Hanwha Life Insurance
Hanwha Life Insurance (088350) investor relations material
Hanwha Life Insurance Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary12 Nov, 2026
Executive summary
9M earnings growth and stronger insurance fundamentals were supported by higher New Business CSM and overseas earnings, while Q3 market volatility drove substantial investment losses.
Financial highlights
9M consolidated net income was KRW 866bn, up 12.6% YoY; net income attributable to controlling interests was KRW 668bn vs KRW 618bn.
YTD New Business CSM reached KRW 2.086trn, up 40% YoY; 3Q26 was KRW 786bn, up 14% QoQ.
New Business CSM profitability rose to 11.1x from 7.0x YoY; 3Q26 reached 12.7x, up 1.0x QoQ.
9M insurance profit was KRW 385bn, up 177% YoY and above FY25's KRW 344bn.
Outlook and guidance
K-ICS is expected at 171%, up 13.5 percentage points from FY25, supported by in-force CSM growth.
Improved hedge alignment is expected to reduce volatility following temporary Q3 hedge mismatch losses.
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Latest events from Hanwha Life Insurance
- H1 2024 net income KRW 667.3B, strong protection APE, capital, and digital focus.088350
Q2 2024 - Strong new business and net income growth, with robust capital and minimal regulatory impact.088350Q3 2024
- Net income up 17% YoY, with FY25 targeting 15%+ growth in protection APE and K-ICS ratio above 170%.088350Q4 2024
- Q1 2025 net profit was KRW 295.7B, with strong capital and improved persistency ratios.088350Q1 2025
- Strong new business CSM and stable K-ICS ratio drive resilience and global growth.088350Q2 2025
- Q3 net profit hit ₩307.4bn, in-force CSM rose to ₩9.1tn, with improved persistency and global expansion.088350Q3 2025
- KRW 836bn consolidated net income achieved, with strong CSM and global expansion driving growth.088350Q4 2025
- Net income up 29% YoY to 381.6B KRW, with strong CSM, robust capital, and investment gains.088350Q1 2026
- Record new business CSM and net income growth, with strong capital ratios and global expansion.088350Q2 2026
Next Hanwha Life Insurance earnings date
Q4 202624 Feb, 2027
Hanwha Life Insurance
Next Hanwha Life Insurance earnings date
Q4 202624 Feb, 2027
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