South Korea · Delayed Price · Currency is KRW Hana Financial Group Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 net income rose 7.3% YoY, driven by strong interest and fee income growth, with ROE at 10.91%. CET1 ratio remained above 13% despite regulatory and FX pressures, and shareholder returns are shifting toward higher cash dividends leveraging new tax benefits.
Fiscal Year 2025
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Q3 net income rose 6.5% year-over-year, with strong loan growth and improved NIM driving results. Shareholder returns increased 28% year-over-year, and CET1 ratio remained solid despite FX pressures. Credit costs and delinquencies are expected to rise in Q4.
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Q1 2025 net income rose 9.1% YoY, with improved ROE and stable NIM despite macro headwinds. Asset quality is well-managed through high collateralization, and shareholder returns are supported by fixed dividends and ongoing share buybacks.
Fiscal Year 2024
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Net income hit a record high in 2024, with strong fee income growth and stable asset quality despite FX losses. Shareholder returns rose through higher dividends and the largest-ever share buyback, while management targets further profitability and capital efficiency improvements in 2025.
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Q3 2024 net income hit record highs, driven by strong non-interest income and stable credit costs. Shareholder returns are set to rise, with a new value-up plan targeting a 50% return ratio by 2027 and CET1 ratio managed above 13%.
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First-half 2024 net income rose 2.4% year-over-year, driven by strong fee income and stable credit costs. CET1 ratio is targeted to recover above 13% by year-end, with a focus on RWA management and a new value-up plan to enhance shareholder returns.