Samsung Card (029780) investor relations material

Executive summary

• 3Q26 operating revenue was ₩1,125.5bn, up 7.1% YoY, while operating income fell 12.4% to ₩187.1bn and net income fell 13.5% to ₩139.8bn.

• 9M26 net income declined 9.5% YoY to ₩450.3bn; earning assets grew 12.4% YoY to ₩32,089.8bn at September-end.

Financial highlights

• 3Q26 pre-provision income was ₩410.1bn, up 0.8% YoY; credit-loss provisions rose 15.4% to ₩223.0bn.

• 9M26 operating income was ₩605.7bn, down 8.1% YoY; income before tax was ₩610.0bn, down 8.2%.

• Interest expense rose 28.8% YoY to ₩196.8bn in 3Q26 and 21.7% to ₩526.9bn in 9M26.

Segment performance

• 3Q26 card-business transaction volume reached ₩49,546.5bn, up 8.9% YoY; credit purchases rose 9.2% to ₩45,021.7bn.

• 3Q26 lump-sum purchases increased 7.9% YoY to ₩34,442.8bn; installment purchases rose 13.5% to ₩10,578.9bn.

• 3Q26 card-loan transaction volume fell 9.3% YoY to ₩1,871.1bn; cash advances rose 19.8% to ₩2,653.7bn.

• September-end credit-purchase assets rose 14.6% YoY to ₩23,579.7bn; card-loan assets increased 2.8% to ₩6,236.4bn.