Do Ha Kim

Yong Jin Seol

Hye-jin Park

Jaewoong Won

Jung Jun-Sup

Jun-Sup Jung

Sinyoung Park

Doosan Baek

Jihyun Cho

Seung-Gun Kang

Shim Jongmin

Tesh Karen

Yimi-San

- Shinhan Financial Group reported **Net Income Attributable to Controlling Interest of 1,423,544 KRW million** for Q3 2025, representing a **9.75% year-over-year increase**.  **[1263043_0001193125-25-252189_form_6k_251028_1.htm:0]** 
- Cumulative Net Income Attributable to Controlling Interest for 2025 reached **4,460,943 KRW million**, an **increase of 10.31%** from the same period in 2024.  **[1263043_0001193125-25-252189_form_6k_251028_1.htm:0]** 
- Consolidated revenue for Q3 2025 was **9,514,830 KRW million**, a **decrease of 18.13%** compared to Q3 2024.  **[1263043_0001193125-25-252189_form_6k_251028_1.htm:0]** 
- Subsidiary performance was mixed, with **Shinhan Bank's Net Income Attributable to Controlling Interest increasing by 3.80%** year-over-year to **1,089,241 KRW million**, while **Shinhan Card's decreased by 22.86%** to **133,764 KRW million** for Q3 2025.  **[1263043_0001193125-25-252189_form_6k_251028_1.htm:0]** **[1263043_0001193125-25-252189_form_6k_251028_1.htm:1]**

Shinhan Financial Group Announces Q3 2025 Preliminary Operating Results

- **SHG** reported a **Group Net Profit of KRW 1.4235 trillion** for Q3 2025, which is an **8.1% decrease** quarter-over-quarter, primarily due to reduced securities-related profits.  **[0001263043_2206127_0]** 
- The company maintains a strong capital position with a provisional **CET1 ratio of 13.56%** as of September 2025.  **[0001263043_2206127_0]** 
- A **cash dividend of KRW 570 per share** was approved for Q3 2025.  **[0001263043_2206127_0]**  The total shareholder return for 2025 is estimated at approximately **KRW 2.35 trillion**, comprising **KRW 1.1 trillion** in cash dividends and **KRW 1.25 trillion** in share buybacks.  **[0001263043_2206127_0]** 
- **Loan loss expenses decreased by 30.1%** quarter-over-quarter, and the bank's NPL coverage ratio improved by **12.17 percentage points** quarter-over-quarter.  **[0001263043_2206127_0]**  The full-year loan loss expense guidance of mid-40BP remains valid.  **[0001263043_2206127_3]** 
- **Group interest income increased by 2.9%** quarter-over-quarter, and the bank's Net Interest Margin (NIM) rose by **1BP** quarter-over-quarter to **1.56%**.  **[0001263043_2206127_0]**

SHG Reports Q3 2025 Net Profit of KRW 1.42 Trillion and Approves KRW 570 Cash Dividend

SHINHAN FINANCIAL GROUP CO (SHG)