Shinhan Financial Income Statement

Financials in millions KRW. Fiscal year is January - December.

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest Income on Loans	28,309,083	29,209,338	27,579,211	20,092,325	11,925,354	13,943,159	Upgrade
Interest Income on Investments	218,065	239,097	181,486	177,569	2,923,407	928,793	Upgrade
Total Interest Income	28,527,148	29,448,435	27,760,697	20,269,894	14,848,761	14,871,952	Upgrade
Interest Paid on Deposits	16,733,088	17,807,036	16,761,289	9,495,472	2,173,804	4,891,296	Upgrade
Interest Paid on Borrowings	-	-	-	-	1,781,101	-	Upgrade
Total Interest Expense	16,733,088	17,807,036	16,761,289	9,495,472	3,954,905	4,891,296	Upgrade
Net Interest Income	11,794,060	11,641,399	10,999,408	10,774,422	10,893,856	9,980,656	Upgrade
Net Interest Income Growth (YoY)	2.53%	5.84%	2.09%	-1.10%	9.15%	1.64%	Upgrade
Income From Trading Activities	-	-	-	-	-64,128	-	Upgrade
Gain (Loss) on Sale of Assets	9,781	9,781	59,633	-	-55,889	79,789	Upgrade
Gain (Loss) on Sale of Investments	161,363	-1,259	-151,738	-161,483	1,052,132	1,133,502	Upgrade
Gain (Loss) on Sale of Equity Investments	-	-	-	-	198,193	-	Upgrade
Other Non-Interest Income	5,199,317	4,975,904	5,557,336	3,928,918	11,449,734	1,776,860	Upgrade
Total Non-Interest Income	5,370,461	4,984,426	5,465,231	3,767,435	13,892,426	2,990,151	Upgrade
Non-Interest Income Growth (YoY)	-4.13%	-8.80%	45.06%	-72.88%	364.61%	17.69%	Upgrade
Revenues Before Loan Losses	17,164,521	16,625,825	16,464,639	14,541,857	24,786,282	12,970,807	Upgrade
Provision for Loan Losses	2,101,638	2,013,274	2,244,503	1,291,813	959,232	1,382,179	Upgrade
Revenue	15,062,883	14,612,551	14,220,136	13,250,044	23,827,050	11,588,628	Upgrade
Revenue Growth (YoY)	0.87%	2.76%	7.32%	-44.39%	105.61%	1.83%	Upgrade
Salaries and Employee Benefits	12,478	12,478	11,862	9,777	3,782,716	-4,208	Upgrade
Occupancy Expenses	-	-	-	-	490,457	-	Upgrade
Amortization of Goodwill & Intangibles	-	-	-	-	155,202	-	Upgrade
Selling, General & Administrative	5,953,617	5,868,432	5,686,291	5,480,371	1,127,281	5,216,681	Upgrade
Other Non-Interest Expense	2,308,953	2,066,224	2,186,730	1,700,320	12,024,285	1,370,466	Upgrade
Total Non-Interest Expense	8,168,800	8,319,461	8,045,455	6,729,406	18,201,248	6,792,973	Upgrade
EBT Excluding Unusual Items	6,894,083	6,293,090	6,174,681	6,520,638	5,625,802	4,795,655	Upgrade
Asset Writedown	-4,155	-4,155	-7,135	-	-42,138	-41,784	Upgrade
Pretax Income	6,630,085	6,029,092	5,964,960	6,366,626	5,583,664	4,753,871	Upgrade
Income Tax Expense	1,649,709	1,470,922	1,486,960	1,611,112	1,471,036	1,255,795	Upgrade
Earnings From Continuing Operations	4,980,376	4,558,170	4,478,000	4,755,514	4,112,628	3,498,076	Upgrade
Minority Interest in Earnings	-113,335	-107,993	-109,965	-89,871	-93,374	-83,481	Upgrade
Net Income	4,867,041	4,450,177	4,368,035	4,665,643	4,019,254	3,414,595	Upgrade
Preferred Dividends & Other Adjustments	176,945	176,945	189,672	156,277	116,388	85,327	Upgrade
Net Income to Common	4,690,096	4,273,232	4,178,363	4,509,366	3,902,866	3,329,268	Upgrade
Net Income Growth	5.95%	1.88%	-6.38%	16.08%	17.71%	0.33%	Upgrade
Basic Shares Outstanding	492	506	519	531	534	500	Upgrade
Diluted Shares Outstanding	492	506	519	531	534	500	Upgrade
Shares Change (YoY)	-3.42%	-2.50%	-2.15%	-0.64%	6.74%	4.82%	Upgrade
EPS (Basic)	9529.99	8441.26	8047.57	8498.00	7308.05	6653.97	Upgrade
EPS (Diluted)	9529.99	8441.26	8047.57	8498.00	7308.05	6653.97	Upgrade
EPS Growth	9.80%	4.89%	-5.30%	16.28%	9.83%	-4.95%	Upgrade
Dividend Per Share	540.000	2160.000	2100.000	2065.000	1960.000	1500.000	Upgrade
Dividend Growth	-74.83%	2.86%	1.70%	5.36%	30.67%	-18.92%	Upgrade
Effective Tax Rate	24.88%	24.40%	24.93%	25.30%	26.35%	26.42%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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