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Shinhan Financial Group (055550) investor relations material
Shinhan Financial Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for 2Q25 reached KRW 1.55 trillion, up 4.1% QoQ, driven by strong non-interest income despite higher credit costs.
CET1 ratio improved to 13.59% (+32bp QoQ), reflecting robust capital management.
Shareholder returns enhanced with a quarterly DPS of KRW 570 and a total 2025 share buyback of KRW 1.25 trillion.
Digital and SDG initiatives advanced, with significant progress in green and inclusive finance.
Financial highlights
Operating income before expenses for 2Q25 was KRW 4,129 billion, up 8.8% QoQ.
Interest income grew 0.3% QoQ, while non-interest income surged 34.7% QoQ.
Cost-to-income ratio (CIR) remained stable at 36.6% (-0.1% YoY).
Credit cost ratio (CCR) increased to 0.50% (+18bp QoQ), reflecting prudent credit assessment.
1H25 net income rose 10.6% YoY, supported by solid fundamentals and absence of large one-off expenses.
Outlook and guidance
Value-Up Plan execution to boost ROE and accelerate shareholder returns remains a priority.
2025 plan targets ROE improvement by 50bp or more, CET1 ratio above 13%, and swift share buybacks.
Non-banking segment reforms and capital efficiency optimization are key focus areas.
Explain the decline in non-bank ROE.
Assess impact of real estate PF resolution.
How does SHB manage declining market rates?
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Next Shinhan Financial Group earnings date
Q3 202528 Oct, 2025
Next Shinhan Financial Group earnings date
Q3 202528 Oct, 2025
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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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