South Korea · Delayed Price · Currency is KRW Shinhan Financial Group Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 net income rose 9% year-over-year, with strong non-interest income and improved ROE. The group targets a 10%-12% ROE, 50%+ shareholder return, and stable CET1 ratio, while prioritizing tax-exempt dividends and capital efficiency.
Fiscal Year 2025
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3분기 순이익은 ₩1조 4,235억, CET1 비율 13.56%로 안정적 관리. 주주환원은 약 ₩2조 3,500억 예상, 대손 비용률 46BP로 연간 가이던스 유지. 자원 배분은 내년 자본시장 쪽 확대 계획.
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Q1 2025 net income rose 12.6% year-over-year, with CET1 at 13.27% and ROE up to 11.4%. Shareholder returns are set to accelerate, while NIM is expected to decline amid falling rates and credit costs remain elevated.
Fiscal Year 2024
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Q3 2024 net income fell 13.1% QoQ due to large derivative trading losses and lower non-interest income, while interest income grew on strong loan expansion. CET1 ratio stands at 13.13%, with continued focus on shareholder returns and cautious asset quality management.