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Samsung Life Insurance (A032830) investor relations material

Samsung Life Insurance Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary13 Aug, 2025

Executive summary

  • Consolidated net profit for H1 2025 reached KRW1.394 trillion, up KRW26 billion year-over-year, driven by increased CSM amortization and strong health product sales.

  • Health new business CSM grew 27.6% year-over-year to KRW1.1 trillion, expanding market dominance in health insurance.

  • CSM balance rose by KRW0.8 trillion year-to-date to KRW13.7 trillion as of June 2025, reflecting quality new business and efficient contract management.

  • Exclusive FC agent network expanded by over 3,500 agents year-to-date, strengthening sales power and CSM growth.

  • Shareholders' equity increased by KRW0.9 trillion year-to-date to KRW34 trillion, supported by higher share price and robust profit generation.

Financial highlights

  • H1 consolidated net profit increased by KRW26 billion year-over-year to KRW1.4 trillion.

  • Q2 net profit was KRW759 billion, up from Q1; insurance profit for H1 was KRW831 billion, investment profit KRW1 trillion.

  • Investment profits declined to KRW1.021 trillion from KRW1.113 trillion year-over-year due to lower subsidiary contributions.

  • K-ICS ratio improved to 187% as of June 2025, up 10 percentage points quarter-over-quarter; Tier 1 capital at 142%.

  • Total assets as of June: KRW319 trillion; shareholders' equity: KRW34 trillion.

Outlook and guidance

  • Targeting end-of-year KICS ratio above 180%, maintaining capital adequacy and supporting dividend policy.

  • Plan to gradually increase shareholder return to 50% midterm, with payout ratio above 40% to meet tax requirements.

  • Focus on growing aggregate new business CSM and sustaining health product share at 85%.

  • Plans to enhance ROE through recurring profit growth and expand ESG management.

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Q3 202514 Nov, 2025
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Frequently asked questions

Samsung Life Insurance Co., Ltd. is a financial services company specializing in life insurance, retirement planning, and asset management solutions. The company offers a range of insurance products, including term life, whole life, annuities, health, and investment-linked policies, catering to individuals and businesses. Samsung Life also provides wealth management and financial advisory services. The company is headquartered in Seoul, South Korea, and its shares are listed on the KRX.

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