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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.
Shinhan Financial Group
Shinhan Financial Group (055550) investor relations material
Shinhan Financial Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
3Q26 net income was KRW 1.58tn, down 12.9% QoQ amid macro uncertainty and difficult capital markets; 9M net income rose 12.7% YoY to KRW 5.03tn.
Annualized ROE was 11.94% and ROTCE 13.39%, up 0.88pp and 0.89pp YoY, respectively.
Financial highlights
9M operating income before expenses grew 8.0% YoY to KRW 12.78tn; 3Q26 fell 13.2% QoQ to KRW 3.98tn.
9M interest income increased 7.9% YoY to KRW 9.35tn; 3Q26 interest income grew 1.8% QoQ to KRW 3.19tn.
9M non-interest income rose 8.2% YoY to KRW 3.43tn, but fell 45.5% QoQ to KRW 790.2bn on weaker trading and securities valuation losses.
3Q26 operating income was KRW 2.39tn, down 17.9% QoQ; credit provisions rose 11.2% QoQ to KRW 486.3bn.
Outlook and guidance
Remained on track to achieve the Value-Up target; annual credit cost ratio remained within the target range.
Targeted a higher FY26 year-end cash dividend, subject to capital adequacy, earnings and shareholder return ratio.
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Latest events from Shinhan Financial Group
- H1 2026 net income up 13.3% YoY to KRW 3.44T; CET1 13.43%; dividend KRW 740/share; buyback KRW 700B.055550
Q2 2026 - Q1 2026 net income up 9% YoY, ROE 11.9%, CET1 13.19%, strong shareholder returns.055550Q1 2026
- Net income up 11.7% YoY, shareholder returns at 50.2%, CET1 ratio at 13.33%.055550Q4 2025
- 3분기 순이익 ₩1조 4,235억, CET1 13.56%, 주주환원 ₩2.35조, ROE 11.1%.055550Q3 2025
- H1 2025 net income up 10.6% YoY to KRW 3,037.4B; CET1 13.59%; DPS KRW 570/share.055550Q2 2025
- Net income up 5.9% YoY, CET1 at 13.13%, 540 KRW dividend, 4,000B KRW buyback approved.055550Q3 2024
- 2Q24 net income up 15.1% YoY, with strong capital and stable asset quality.055550Q2 2024
- Q1 2025 net income up 12.6% YoY to KRW 1,488.3bn; CET1 at 13.27%; shareholder returns rising.055550Q1 2025
- Net income up 3.4% YoY, CET1 at 13.03%, 2025 return ratio targeted at 40–44%.055550Q4 2024
Next Shinhan Financial Group earnings date
Q4 20265 Feb, 2027
Shinhan Financial Group
Next Shinhan Financial Group earnings date
Q4 20265 Feb, 2027
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Frequently asked questions
Shinhan Financial Group Co., Ltd. is a South Korea-based financial holding company offering a comprehensive range of financial services. The group operates through its subsidiaries, providing banking, credit card services, asset management, insurance, and investment banking solutions to individual and corporate clients. Its core offerings include retail and corporate loans, wealth management, foreign exchange services, and financial advisory services. The company is headquartered in Seoul, South Korea, and its shares are listed on the KRX and NYSE.