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Shinhan Financial Group (055550) investor relations material
Shinhan Financial Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for 2Q26 reached KRW 1.82tn, up 12.2% QoQ, driven by strong non-interest income and solid interest income growth.
ROE and ROTCE improved YoY, standing at 12.37% and 13.88% respectively for 1H26.
CET1 ratio increased to 13.43% (+13bp QoQ), reflecting stable capital adequacy.
Shareholder returns enhanced with a KRW 700bn buyback and KRW 740 per share dividend for 2Q26.
Financial highlights
Operating income before expenses rose 8.8% QoQ, with non-interest income up 22.0% and interest income up 3.6% QoQ.
Cost-to-income ratio (CIR) remained stable at 36.6% YoY.
Credit cost ratio improved by 8bp YoY to 0.42%, reflecting conservative provisioning.
Group total assets grew 7.0% YTD to KRW 840.9tn; loans increased 3.0% QoQ.
Outlook and guidance
Flexible and progressive shareholder return policy to continue, with further buybacks expected in 4Q26.
Focus remains on profitability-aligned asset growth and maintaining strong capital ratios.
- Net income up 5.9% YoY, CET1 at 13.13%, 540 KRW dividend, 4,000B KRW buyback approved.055550
Q3 202424 Jun 2026 - 2Q24 net income up 15.1% YoY, with strong capital and stable asset quality.055550
Q2 202424 Jun 2026 - Q1 2025 net income up 12.6% YoY to KRW 1,488.3bn; CET1 at 13.27%; shareholder returns rising.055550
Q1 202524 Jun 2026 - H1 2025 net income up 10.6% YoY to KRW 3,037.4B; CET1 13.59%; DPS KRW 570/share.055550
Q2 202524 Jun 2026 - 3분기 순이익 ₩1조 4,235억, CET1 13.56%, 주주환원 ₩2.35조, ROE 11.1%.055550
Q3 202524 Jun 2026 - Q1 2026 net income up 9% YoY, ROE 11.9%, CET1 13.19%, strong shareholder returns.055550
Q1 202622 Jun 2026 - Net income up 11.7% YoY, shareholder returns at 50.2%, CET1 ratio at 13.33%.055550
Q4 20255 Feb 2026 - Net income up 3.4% YoY, CET1 at 13.03%, but credit costs and volatility pressured profits.055550
Q4 20245 Jun 2025
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Next Shinhan Financial Group earnings date
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