Hana Financial Group Achieves Cumulative Net Profit of 3.4334 Trillion Won in Q3... Sets Another All-Time High

6.5% Increase Year-on-Year
Share Buyback and Cancellation Worth 150 Billion Won Approved
920 Won Cash Dividend Per Share
Shareholder Return Ratio Expected to Reach 50% Ahead of Schedule

Hana Financial Group achieved a record-breaking net profit of over 3.4 trillion won in the third quarter of this year, once again setting a new all-time high. Analysts attribute this performance, which exceeded market expectations despite uncertain economic conditions, to the group’s efforts to diversify its revenue streams and expand non-interest income. Hana Financial Group will also conduct a share buyback and cancellation worth 150 billion won to enhance corporate value.

On October 28, Hana Financial Group announced that it posted a net profit of 1.1324 trillion won for the third quarter of 2025 (July to September), and a cumulative consolidated net profit of 3.4334 trillion won for the first three quarters.

On a quarterly basis, this represents a 3.5% decrease from the previous quarter (1.1773 trillion won). However, on a cumulative basis, it marks an increase of 208 billion won (6.5%) compared to the same period last year, making it the highest cumulative third-quarter result ever.

Hana Financial Group explained, "This achievement is the result of agile responses to market volatility, diversification of the revenue portfolio, proactive risk management, and company-wide cost efficiency measures."

Total group interest income was 6.7803 trillion won, a 3.1% increase from the same period last year (6.5774 trillion won). This was attributed to an increase in loan assets, particularly at the bank, as well as an improvement in net interest margin (NIM).

The group’s net interest margin for the third quarter was 1.74%, up 0.11 percentage points from the third quarter of last year (1.63%) and 0.01 percentage points from the previous quarter (1.73%).

The bank’s third-quarter NIM also rose to 1.50%, up 0.09 percentage points from the same period last year (1.41%) and 0.02 percentage points from the previous quarter (1.48%).

Non-interest income reached 2.0259 trillion won, a 12.2% increase from the previous year (1.8049 trillion won).

In particular, fee income grew by 6.7% year-on-year to 1.6504 trillion won (from 1.5475 trillion won), while trading and valuation gains rose by 19.5% to 1.1195 trillion won (from 936.7 billion won), driven by improved performance in securities and FX derivatives trading.

In terms of asset quality, the group’s non-performing loan (NPL) ratio at the end of the third quarter was 0.73%, and its delinquency ratio was 0.57%. Both figures improved compared to the previous quarter (0.75% and 0.59%, respectively), but worsened compared to the same period last year (0.62% and 0.55%, respectively).

Key management indicators showed a return on equity (ROE) of 10.60% and a return on assets (ROA) of 0.72%. The group’s estimated common equity tier 1 (CET1) capital ratio was 13.30%, managed within the target range of 13.0-13.5%.

The core subsidiary, Hana Bank, recorded a third-quarter net profit of 1.0482 trillion won, leading to a cumulative consolidated net profit of 3.1333 trillion won for the first three quarters. This represents an increase of 352.5 billion won (12.7%) year-on-year, also marking the highest cumulative third-quarter result.

Core income, which combines cumulative interest income (5.9394 trillion won) and fee income (783.6 billion won) for the first three quarters, totaled 6.723 trillion won, while non-interest income amounted to 1.0569 trillion won.

Among non-bank affiliates, Hana Card posted a cumulative net profit of 170 billion won, Hana Securities 169.6 billion won, Hana Capital 64.1 billion won, Hana Asset Trust 36.9 billion won, and Hana Life Insurance 17.7 billion won for the first three quarters.

Hana Financial Group plans to continue its efforts to enhance corporate value based on strong fundamentals.

The board of directors has decided to conduct a share buyback and cancellation worth 150 billion won and to pay a quarterly cash dividend of 920 won per share, aiming to reward shareholders and achieve a 50% shareholder return ratio ahead of schedule.

Including the 653.1 billion won in share buybacks completed by the end of the third quarter, the total amount of share buybacks will reach 803.1 billion won. Combined with the previously announced 1 trillion won in cash dividends for the year, the total shareholder return for 2025 will reach a record 1.8031 trillion won, the highest since the group’s establishment.

A Hana Financial Group official stated, "The shareholder return ratio for 2025 is expected to show a significant increase from last year’s 38%, and we anticipate achieving the previously announced 50% shareholder return target for 2027 ahead of schedule. We will also actively pursue the ‘Hana All-Growth Project,’ which aims to provide 84 trillion won in productive finance and 16 trillion won in inclusive finance for a total of 100 trillion won over the next five years through 2030."

This content was produced with the assistance of AI translation services.