Shinhan Financial Group Co., Ltd. · KRX:055550

Shinhan Financial — Q2 2026 Earnings Presentation

30 slides from Shinhan Financial's earnings presentation, 2026

  1. Slide 1: Business Results 2Q 2026

    Business Results 2Q 2026 @ Shinhan Financial Group Creative

  2. Slide 2: 2Q 2026 Highlight

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix CET1 Ratio (Preliminary) Quarterly DPS [Annual DPS(e)] 2Q26 Net Income 13.43% (+13bp QoQ) KRW 740 (Record Date : 30 July)+14.3% YOY 1,820.1Wbn (+12.2% QoQ) RWA Share Buyback (Approx. 3months) [Annual Buyback(e)] 2Q26 ROE / ROTCE * +12.0% YOY +α 367.6Wt

  3. Slide 3: Reference: Shinhan Valuation Index

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Reference_ Shinhan Valuation Index Circulating Shares and EPS / BPS* (1,000 Shares, KRW) Shareholder Return Trend (Wbn)  Circulating Shares  Share Buyback  EPS  BPS  Cash Dividend  Share Buyback  Shareholder Return Ratio 50.2% 40.2% Δ21,702 Δ7,7

  4. Slide 4: Balance Sheet ① Capital

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Balance Sheet_ ① Capital (Wbn) 2026.06 2025.12 2026.03 YTD YTD % QoQ QoQ % (%, %p) CET 1 Ratio Movement Risk Weighted Assets 367,595.9 352,907.6 14,688.3 4.2% 361,802.9 5,793.0 1.6%  Increase  Decrease  Total Shareholders Δ0.22 Return Credit RWA 311

  5. Slide 5: Balance Sheet ② Assets and Liabilities

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Balance Sheet_ ② Assets and Liabilities (Wbn) 2026.06 2025.12 2026.03 YTD YTD% QoQ QoQ % (Wtn) Group Securities Portfolio Details Group Total Assets 840,894.3 786,013.5 54,880.9 7.0% 816,711.8 24,182.5 3.0%  Bonds  Non-marketable  Listed Stocks and

  6. Slide 6: Profit and Loss ① Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Profit and Loss_ ① Income (Wbn) 1H26 1H25 2Q26 1Q26 YoY YoY % QoQ QoQ % Operating Income before Expenses / Net Income (Wbn) Operating Income  Operating Income before Expenses  Net Income before Expenses 8,796.7 7,923.2 873.4 11.0% 4,584.3 4,212.4 371

  7. Slide 7: Profit and Loss ② Interest Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Profit and Loss_ ② Interest Income (Wbn) 1H26 1H25 2Q26 1Q26 YoY YoY % QoQ QoQ % (Wbn) Interest Revenue 14,354.1 14,035.1 319.0 2.3% 7,282.0 7,072.1 209.8 3.0% Interest Income  Bank  Non-bank Loans 10,869.1 10,772.3 96.9 0.9% 5,545.3 5,323.9 221.4 4.

  8. Slide 8: Profit and Loss ③ Non-interest Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Profit and Loss_ ③ Non-interest Income (Wbn) 1H26 1H25 2Q26 1Q26 YoY YoY % QoQ QoQ % (Wbn, %) Non-interest Income Non-interest Income 2,638.1 2,204.4 433.8 19.7% 1,449.9 1,188.2 261.7 22.0%  Fees & Commission  Securities & FX/Derivatives-related  In

  9. Slide 9: Profit and Loss ④ SG&A Expenses and Credit Costs

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Profit and Loss_ ④ SG&A Expenses and Credit Costs (Wbn) 1H26 1H25 2Q26 1Q26 YoY YoY % QoQ QoQ % (Wbn, %) SG&A / CIR * SG&A Expenses 3,216.1 2,900.1 316.0 10.9% 1,670.7 1,545.4 125.3 8.1%  SG&A Expenses (Group)  CIR (Group) 45.3 Salary & Employee 43.9

  10. Slide 10: Note: Asset Quality

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Note_ Asset Quality (Wbn) 2026.06 2025.12 2026.03 YTD YTD % QoQ QoQ % (Wbn, %) NPL Coverage Ratio Total Loans (Group)* 458,153.8 445,098.6 13,055.3 2.9% 454,177.9 3,975.9 0.9%  NPL Coverage Ratio  Total Substandard & Below Loans  Loan Loss Allowance

  11. Slide 11: Note: Loss Absorption Capacity and Write-off/Disposition Status

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Note_ Loss Absorption Capacity and Write-off/Disposition Status (Wbn, %) 2024.03 2024.06 2024.09 2024.12 2025.03 2025.06 2025.09 2025.12 2026.03 2026.06 Group Total Loans 403,772.2 416,108.4 425,534.4 427,482.5 427,467.3 428,781.5 436,878.7 445,098.6 4

  12. Slide 12: Profit and Loss ⑤ Net Income by Subsidiaries

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Profit and Loss_ ⑤ Net Income by Subsidiaries (Wbn) 1H26 1H25 2Q26 1Q26 YoY YoY % QoQ QoQ % (Wbn,%) Net Income by Business Unit** Bank 2,467.5 2,274.9 192.6 8.5% 1,306.1 1,161.3 144.8 12.5%  Bank  Capital Markets  Consumer Finance  Insurance  Othe

  13. Slide 13: Profit and Loss ⑥ Overseas Business Net Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Profit and Loss_ ⑥ Overseas Business Net Income (Wbn) 1H26 1H25 2Q26 1Q26 YoY YoY % QoQ QoQ % (Wbn,%) Overseas Business Overseas Total NI 472.5 431.5 40.9 9.5% 250.7 221.8 28.9 13.0%  Vietnam  Japan  Overseas Total  Contribution from Overseas Busin

  14. Slide 14: Digital / SDGs ① Digital, Digital to Value

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Digital / SDGs_ ① Digital, Digital to Value (Wbn,%) SFG Gross MAU 1 (10K persons) Financial Contribution  Financial Platforms  Non-Financial Platforms  Digital Operating Profit before Expenses 2  Strategic Cost Efficienty3 2,594 2,400 2,252 1,553 2

  15. Slide 15: Digital / SDGs ② Customer Base Expansion (Super SOL)

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Digital / SDGs_ ② Customer Base Expansion (Super SOL) Integrates all functions of Breaking down the Generated AI-based Innovating the way of financial service usage ‘Bank + Card + Securities + Insurance’ boundaries of bank, card, processing through lar

  16. Slide 16: Digital / SDGs ③ SDGs Initiatives

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Digital / SDGs_ ③ SDGs Initiatives CO2 Emissions Green Finance Group-wide SDGs Internalization Activities Scope 1+2 Emissions  Emissions  Green Finance (New)  Green Finance (cumulative) Promotion of the 「SHINGREEN(Shinhan + Green) Challenge」 (thousa

  17. Slide 17: Appendix

    Appendix

  18. Slide 18: Appendix ① Financial Highlights by Subsidiaries

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ① Financial Highlights by Subsidiaries (Wbn) Ownership Total Assets Shareholder’s Equity Net Income* ROA ROE Bank (a) 640,291.3 39,728.6 2,467.5 Shinhan Bank 100.0% 631,347.4 39,083.1 2,458.5 0.79% 12.90% Jeju bank 64.0% 8,943.8 645.6 9.0 0.2

  19. Slide 19: Appendix ② SFG Subsidiaries Asset

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ② SFG Subsidiaries Asset 2026.06 (Wbn) 2026.06 2025.12 2026.03 YTD YTD % QoQ QoQ % Weight % Bank 640,291.3 604,987.2 35,304.0 5.8% 625,222.2 15,069.0 2.4% 76.1% Shinhan Bank 631,347.4 596,967.3 34,380.1 5.8% 616,860.9 14,486.5 2.3% 75.1% Jeju

  20. Slide 20: Appendix ③ Shinhan Bank Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ③ Shinhan Bank Income (Wbn) 1H26 1H25 2Q26 1Q26 2Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Income 5,462.3 5,138.4 323.9 6.3% 2,858.3 2,604.1 254.2 9.8% 2,663.2 195.1 7.3% Interest Income 4,888.8 4,465.2 423.6 9.5% 2,485.3 2,403.5 81.8 3.4%

  21. Slide 21: Appendix ④ Shinhan Card Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ④ Shinhan Card Income (Wbn) 1H26 1H25 2Q26 1Q26 2Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Revenue 3,285.7 3,235.7 49.9 1.5% 1,579.6 1,706.1 Δ126.5 Δ7.4% 1,760.3 Δ180.7 Δ10.3% Card Business 1,691.6 1,634.9 56.6 3.5% 856.9 834.7 22.1 2.7% 83

  22. Slide 22: Appendix ⑤ Shinhan Securities Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ⑤ Shinhan Securities Income (Wbn) 1H26 1H25 2Q26 1Q26 2Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Revenue 1,474.1 836.0 638.1 76.3% 772.6 701.5 71.1 10.1% 467.1 305.4 65.4% Fee & Commission 935.4 392.0 543.3 138.6% 527.9 407.4 120.5 29.6% 19

  23. Slide 23: Appendix ⑥ Shinhan Life Insurance Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ⑥ Shinhan Life Insurance Income (Wbn) 1H26 1H25 2Q26 1Q26 2Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % APE* 722.9 687.0 35.8 5.2% 366.5 356.4 10.1 2.8% 329.4 37.1 11.3% Protection 583.4 625.6 Δ42.2 Δ6.7% 285.6 297.8 Δ12.2 Δ4.1% 292.5 Δ6.9 Δ2.4% Savings

  24. Slide 24: Appendix ⑦ Shinhan Capital Income

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ⑦ Shinhan Capital Income (Wbn) 1H26 1H25 2Q26 1Q26 2Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Income before Expenses 205.5 199.1 6.4 3.2% 67.2 138.3 Δ71.1 Δ51.4% 123.7 Δ56.5 Δ45.7% Interest Income 225.4 234.7 Δ9.3 Δ4.0% 112.9 112.5 0.4 0.4%

  25. Slide 25: Appendix ⑧ Shinhan Bank Loans & Deposits

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ⑧ Shinhan Bank Loans & Deposits 2026.06 (Wbn) 2026.06 2025.12 2026.03 YTD YTD % QoQ QoQ % Weight % Loans in KRW 340,339.8 334,216.2 6,123.6 1.8% 338,822.7 1,517.1 0.4% 100.0% Retail 147,206.3 146,410.6 795.7 0.5% 145,467.5 1,738.8 1.2% 43.3%

  26. Slide 26: Appendix ⑨ Shinhan Bank Loans (Retail & Large Corporates)

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ⑨ Shinhan Bank Loans (Retail & Large Corporates) Delinquency Rate (Wbn) 2026.06 Weight % 2025.12 2026.03 YTD YTD % QoQ QoQ % 2025.06 2025.09 2025.12 2026.03 2026.06 Mortgage Loans 74,465.0 50.6% 74,187.5 277.5 0.4% 73,673.1 791.9 1.1% 0.21% 0

  27. Slide 27: Appendix ⑨ Shinhan Bank Loans (SME)

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ⑨ Shinhan Bank Loans (SME) Delinquency Rate (Wbn) 2026.06 Weight % 2025.12 2026.03 YTD YTD % QoQ QoQ % 2025.06 2025.09 2025.12 2026.03 2026.06 SME Total 147,668.1 100.0% 145,107.8 2,560.3 1.8% 148,058.7 Δ390.6 Δ0.3% 0.46% 0.45% 0.42% 0.46% 0.

  28. Slide 28: Appendix ⑩ Shinhan Card Assets and Funding

    2Q 2026 Highlight B/S P&L Digital/SDGs Appendix Appendix_ ⑩ Shinhan Card Assets and Funding 2026.06 (Wbn, %) 2026.06 2025.12 2026.03 YTD YTD % QoQ QoQ % Weight % Earning Assets 39,342.3 39,206.2 136.1 0.3% 38,703.4 639.0 1.7% 100.0% Credit Purchase 19,188.3 18,907.5 280.8 1.5% 18,702.6 485.6 2.6% 48

  29. Slide 29: Disclaimer

    Disclaimer This material has been prepared to enhance comparability: • It has been prepared in accordance with Korean adopted International Financial Reporting Standards (K-IFRS). As the external auditor’s review for Q2 2026 has not yet been completed, the figures may be subject to change. • This ma

  30. Slide 30: Disclaimer

    Disclaimer Notes on ‘Digital, Digital to Value’ (p.14) Note1) SFG Gross MAU’ is the sum of the MAU of Shinhan’s financial platforms and the MAU of Shinhan’s non-financial platforms. The MAU figures are based on managed data. * The MAU figures for financial platform represent the sum of MAUs of the f

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