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Shinhan Financial Group Co., Ltd. (SHG) Q3 2025 Earnings Call Transcript

October 28, 2025
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Shinhan Financial Group Co., Ltd. (SHG) Q3 2025 Earnings Call Transcript
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Shinhan Financial Group Co., Ltd. ( NYSE: SHG) Q3 2025 Incomes Call October 28, 2025 1:00 AM EDT

Business Individuals

Cheol Woo Park – Head of Financier Relations
Sang Yung Chun – Deputy President & & Chief Financial Officer
Lee Jeong-bin
Dong-kwon Bang – Deputy President & & Chief Threat Officer
Hae Chang Park

Teleconference Individuals

Jun-Sup Jung – NH Financial Investment & & Securities Co., Ltd., Research Study Department
Jaewoong Won – HSBC Global Financial Investment Research Study
Do Ha Kim – Hanwha Financial Investment & & Securities Co., Ltd., Research Study Department
Jiwon Kim – DAOL Financial Investment & & Securities Co., Ltd., Research Study Department

Discussion

Cheol Woo Park
Head of Financier Relations

Excellent afternoon. This is Cheol Woo Park, in charge of IR. I thank everybody for joining us at the 2025 3rd quarter revenues release by Shinhan Financial Group in spite of your hectic schedule.

Today, we have here with us Group CFO, Sang Yung Chun; Group CSO, SeogHeon Koh; Group CRO, Dong-kwon Bang; Shinhan Bank CFO, Jeongbin Lee; Shinhan Card CFO, Haechang Park; Shinhan Securities CFO, Jeonghoon Jang; and Shinhan Life CFO, Sunghwan Joo.

We will start with the CFO’s discussion on service efficiency of Q3 2025, followed by a Q&A session with the executives present here with us.

Let me now go to CFO Chun to begin the discussion.

Sang Yung Chun
Deputy President & & Chief Financial Officer

Excellent afternoon. Thank you for joining us for the 3rd quarter 2025 revenues release. I will start from Page 2, service efficiency highlights. Since completion of September 2025, the group’s CET1 ratio was preliminarily approximated at 13.56%, keeping a steady level. It arises from our endless RWA management effort integrated with robust earnings generation in spite of the won devaluation and development in loan possessions for future readiness.

Based Upon this, Board today solved on money dividend of KRW 570 per share for the 3rd quarter. Investor return

Source: Seeking Alpha.

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