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Shinhan Financial Group (055550) investor relations material
Shinhan Financial Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
3분기 순이익은 ₩1조 4,235억(1.42조)으로, 유가증권 이익 감소에도 대손 비용 관리와 견고한 실적으로 EPS는 ₩12,196 기록.
CET1 비율은 13.56%로 안정적으로 관리되었으며, 전분기 대비 6bp 상승.
FY2025 주주환원은 약 ₩2조 3,500억(2.35조)으로, 현금 배당과 자사주 매입 포함.
3분기 주당 ₩570의 현금 배당이 결의됨.
Financial highlights
이자 이익은 전 분기 대비 2.9% 증가, 비이자 이익은 유가증권 손익 감소로 23.7% 감소.
ROE 11.1%, ROTC 12.5%로 전년 동기 대비 각각 0.7%p 상승.
CIR은 37.3%로 전년 대비 0.3%p 개선.
은행 원화 대출은 2.7% 성장, 그룹 총자산은 782.9조원으로 YTD 5.8% 증가.
Outlook and guidance
대손 비용률은 46BP로 전년 동기 대비 2BP 상승, 연간 가이던스 유지.
내년 가계 대출은 규제로 성장 제한, 기업 대출은 정책에 따라 소폭 성장 예상.
Value-up Plan 실행으로 2027년 ROE 10%+, CET1 13%+ 목표.
예수금 전략은 조달 비용과 안정성 균형 유지, 금리 운용 통한 조달 안정성 확보 계획.
Current PBR and its shareholder return impact
NPL coverage ratio divergence: Group vs SHB
Drivers of non-interest income QoQ decline?
Next year's margin trend expectations?
Outlook for securities profitability?
Balance shareholder return vs. growth investment?
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Next Shinhan Financial Group earnings date
Q4 20255 Feb, 2026
Next Shinhan Financial Group earnings date
Q4 20255 Feb, 2026
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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.
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