Woori Financial Group, Inc. · KRX:316140

Woori Financial — Q1 2026 Earnings Presentation

19 slides from Woori Financial's earnings presentation, Apr 24, 2026

  1. Slide 1: Business Results

    WF NYSE eee Business Results © woori FINANCIAL GROUP

  2. Slide 2: Contents and Disclaimer

    woori FINANCIAL GROUP Contents I. 1Q26 Financial Highlights Il. 1Q26 Financial Analysis lll. Key Subsidiaries IV. Appendix (Group Financial Overview, ESG Highlights, Digital Highlights) Disclaimer * The financial figures and information in this document have been prepared by Woori Financial Group In

  3. Slide 3: 1Q26 Financial Highlights (1) Overview

    4 I | 1Q26 Financial Highlights (1) Overview Solid Earnings Driven by Balanced Top-Line Growth Amid Uncertainties Interest Income Non- Interest Five consecutive quarters of NIM expansion, supported by asset rebalancing with solid growth in advanced strategic industries * Bank NIM :'25.1Q 1.44% > '26

  4. Slide 4: 1Q26 Financial Highlights (2) Top-Line

    4 I | 1Q26 Financial Highlights (2) Top-Line Net Operating Revenue/NIM KRW in billions © Net Operating Revenue 1Q25 2Q25 3Q25 4Q25 1026 @ (Bank+Card) NIM @ (Bank)NIM KRW in trilions 330 329 «331 8384 ry ee * ° 183 179 178 180 184 @ Loans @ Corporate © Retail 144 148 150 150 151 1925 2Q25 3Q25 4Q25 1

  5. Slide 5: 1Q26 Financial Highlights (3) Cost and Asset Quality

    l | | 1Q26 Financial Highlights (3) Cost and Asset Quality SG&A Expense KRWin billions ‘@ Credit Cost © One-off!) escal. ed seat 576 508 527 436 62 86 152 130 138 1925 2025 3025 4025 1026 1025 2025-3025 4Q25 1026 NNotet) Excluding insurance subsidiaries and education tax impact @ Costto-Income Ratio

  6. Slide 6: 1Q26 Financial Highlights (4) Capital Adequacy and Shareholder Return

    woori FINANCIAL GROUP 4 I | 1Q26 Financial Highlights (4) Capital Adequacy and Shareholder Return Per Share Indicators 9 13.6%(e) mbps @ crs 4,300 . 4,836) 4,315 epee 0.60% : 4,146 . * 3,337 .23% 3,572 . 3,400 — " 0.26% 0% it] EPS 46,906 0.04% 0.19% A401 gy 40,788 12.9% BPS?) 37,313 é ’ ap33 36,230

  7. Slide 7: 1Q26 Financial Statements

    4 Il | 1Q26 Financial Analysis (1) Financial Statements Group Consolidated Income Statement woori FINANCIAL GROUP Group Statement of Financial Position KRW in billions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) KRW in trillions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) Net Operating Revenue 2,788 2,611 5.6 2,783 -0.9 Total As

  8. Slide 8: 1Q26 Earnings Breakdown

    Il | 1Q26 Financial Analysis (2) Earnings Breakdown Group Fees & Commissions up Interest Income woori FINANCIAL GROUP KRW in billions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) KRW in billions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) Net Interest Income 2,303 2,252 2.3 2,300 0.1 Fees & Commissions 577 511 12.9 563 2.5 Intere

  9. Slide 9: 1Q26 Expenses & Credit Cost

    woori FINANCIAL GROUP Il | 1Q26 Financial Analysis (3) Expenses & Credit Cost Group SG&A Expense Group Credit Cost KRW in billions 1Q26 1925 YoY(%) 4Q25 Q0Q(%) Classification 1Q26 FY25 FY24 FY23 FY22 SG&A Expense 1,423 1,306 9.0 1,490 -4.5 . , Credit Cost 527. 2,103 «1,716 += 1895S 885 Salary & Bene

  10. Slide 10: 1Q26 Funding and Lending

    Il | 1Q26 Financial Analysis (4) Funding and Lending Lending (Bank) Funding (Bank) woori FINANCIAL GROUP KRW in billions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) KRW in billions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) TotalFundinginkRW 347,861 345,946 0.6% += 352,178 = -1.2% Large Corp. 59,491 53,653 10.9% += 55,323 75% L

  11. Slide 11: 1Q26 Asset Quality

    4 Il | 1Q26 Financial Analysis (5) Asset Quality Group Asset Quality woori FINANCIAL GROUP Bank Asset Quality KRW in billions 1026 1025 YoY(%,%p) 4Q25 Q0Q(%, %p) KRW in billions 1Q26 1925 Yo¥(%,%p) 4025 Q0Q(%,%P) Total Credit 405,364 386,061 5.0 399,970 1.3 Total Credit 337,825 329,823 24 333,939 1.

  12. Slide 12: 1Q26 Capital Adequacy

    Il | 1Q26 Financial Analysis (6) Capital Adequacy Bank Capital Adequacy ‘oup Capital Adequacy woori FINANCIAL GROUP KRW in billions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) KRW in billions 1Q26 1Q25 YoY(%) 4Q25 Q0Q(%) Total Capital 40,171 36,724 9.4 37,800 6.3 Total Capital 33,352 30,935 78 31,291 6.6 Common Eq

  13. Slide 13: Key Subsidiaries (1) Woori Bank

    woori FINANCIAL GROUP 4 HT | Key Subsidiaries (1) Woori Bank Consolidated Income Statement Consolidated Statement of Financial Position KRW in billions 10261025 YoY(%) + 4@25 + Qoa(%) KRW in trillions 1Q26 1925. Yo¥(%) © -4Q25«— QoQ(%) Net Operating Revenue 2,202 2,172 14 = 2,233 “1.4 Total Assets G

  14. Slide 14: Key Subsidiaries (2) Tongyang Life Insurance

    4 HT | Key Subsidiaries (2) Tongyang Life Insurance Key Financial Indicators Consolidated Income Statement woori FINANCIAL GROUP os) KRW in billions 1026 1925 YoY(%,%p) FY25 Q0Q(%, %p) KRW in billic 1Q26 10; YoY(% 4Q25 Q0Q(% inpilions AE) ele) KAICS Ratio? 185.8% 127.2% 58.6 179.8% 6.0 Insurance Pro

  15. Slide 15: Key Subsidiaries (3) Woori Card / Capital / Investment Securities

    1 HT | Key Subsidiaries (3) Woori Card / Woori Financial Capital / Woori Investmen a WOORI FINANCIAL GROUP tt Securities Woori Investment Securities KRW in billions 126 1025 Yerrg 4Q25 any KRW in billions 1926 1025 Yor) 4025 aa” KRWinbillions — 1Q26 1Q25 Yor") «= 4Q25 aang OperatingRevenue 749° 7135

  16. Slide 16: Appendix: Group Overview

    woori FINANCIAL GROUP 4 IV | Appendix : (1) Group Overview 2/9/9\/3/9\/9/9\/3)1/9/9)/8/9)/3)/8 Group 7a Woori Woori Wooti ABL Woori Woori Woori Wooi WooriPE Woot Woot Woori (Consol) ned oes Card Financial investment Life Asset Saungs Asset Venture Asset Finance Credit Fund Insurance Capital —-“Secur

  17. Slide 17: Appendix: ESG Highlights

    .IV | Appendix : (2) ESG Highlights Climate Risk Management | Mid-to long-term Reduction progress and targets for Il Selected Seven Core Management Sectors Intemal Carbon Emissions” and “Financed Emissions” Reduction Target for intemal CarbonEmissions _) {unt C040 78,339 ea 65.854 goog econ Reductio

  18. Slide 18: Appendix: Digital Highlights

    | IV | Appendix : (3) Digital Highlights | Woori WON Banking App Subscribers | Digital Product Customers (Thousands) (Thousands) 315 3,084 20,724 FY23. FY24 = FY25 = 1926 FY23. FY24 -FY25 1026 | Woori WON MTS Quarterly New Customers [| Woori WON MTS Active Users (thousands) Y thousands) 85 521 4 472

  19. Slide 19: Woori Financial Group

    © WOoR! FINANCIAL GROUP

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