Woori Financial Group, Inc. · KRX:316140

Woori Financial — Q4 2025 Earnings Presentation

29 slides from Woori Financial's earnings presentation, Feb 6, 2026

  1. Slide 1: Business Results

    WF NYSE Business Results © woori FINANCIAL GROUP

  2. Slide 2: Contents and Disclaimer

    woori FINANCIAL GROUP Contents I. FY2025 Financial Highlights Il. FY2025 Financial Analysis Ill. 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 Grou

  3. Slide 3: FY2025 Financial Highlights (1) Overview

    » FY2025 Financial Highlights (1) Overview woor! FINANCIAL GRouP Rory M Record-High Net Operating Revenue Driven by Balanced Top- . Line Growth, Despite Heightened Uncertainties eee + FY2025 Group ROE : 9.1% * [Interest Income] Bank NIM improved for four consecutive quarters Net Operating Revenue th

  4. Slide 4: FY2025 Financial Highlights (2) Top-Line

    - FY2025 Financial Highlights (2) Top-Line )WoorI FINANCIAL GROUP Net Operating Revenue/NIM © Net Operating Revenue Wion in blfions H + H 1 10,957 2,789 2,774 2,783 10,440 2,448 | | | FY24 FY25 4Q24 2Q25 3Q25 4Q25 @(Bank+Card) NIM @ (Bank)NIM Loans (Bank) @ Loans eCorporate Retail Won in titions N t

  5. Slide 5: FY2025 Financial Highlights (3) Cost and Asset Quality

    - FY2025 Financial Highlights (3) Cost and Asset Quality )WoorI FINANCIAL GROUP SG&A Expense @SGRAEspense Won in bitions 415.9% . . i i 5,181 1,491 4311 4,469 1173 1,210 FY24 Fy25 4024 2Q25 3025 4025 Note) Excluding ERP expenses and insurance subsidiaries @ Cost-to-income Ratio!| (Cumulative) Credit

  6. Slide 6: FY2025 Financial Highlights (4) Capital Adequacy and Shareholder Return

    » FY¥2025 Financial Highlights (4) Capital Adequacy and Shareholder Return = @wooririnanciaL croup YTD Changes in CET1 Ratio (Pre! ry) Per Share Indicators 134% M&A impact -0.03% mBPS @EPS 4,315 4146 4,323 3,572 . — 5 EPS”) — et y 12.90%(e) 1 7 0.43% — g.o6% : 44,037 0.03% 1% 40,788 12.13% — 35,230

  7. Slide 7: FY2025 Financial Highlights (5) Productive Finance Action Plan

    FY2025 Financial Highlights (5) Productive Finance Action Plan )WoorI FINANCIAL GROUP Fostering Advanced Strategic Indust Background 1 A Nationwide Shift to Productive Finance to Revitalize the Real Economy and Restore Economic Dynamism ¥ Leveraging Regulatory Changes Including the Launch of a ‘Task

  8. Slide 8: FY2025 Financial Analysis (1) Financial Statements

    FY2025 Financial Analysis (1) Financial Statements woor! FINANCIAL GROUP Group Consolidated Income Statement Group Statement of Financial Position Won in billions FY25 FY24 YoY(%) 4Q25 3Q25 = QoQ(%) Net OperatingRevenue 10,957 10,440 5.0 2783 2,774 0.3 Interest Income 9,031 8,886 1.6 2,300 2,217 ay

  9. Slide 9: FY2025 Financial Analysis (2) Earnings Breakdown

    - FY2025 Financial Analysis (2) Earnings Breakdown )WoorI FINANCIAL GROUP ‘oup Interest Income Group Fees & Com Won in billions FY25 FY24 YoY¥(%) 4Q25 3Q25 — Q0Q(%) Won in billions FY25 FY24 YoY(%) 4Q25 325 QoQ(%) Net InterestIncome 9,031 8,886 16 2,300 2,217 3.7 Fees & Commissions 2,161 2,086 3.6 5

  10. Slide 10: FY2025 Financial Analysis (3) Expenses & Credit Cost

    - FY2025 Financial Analysis (3) Expenses & Credit Cost )WoorI FINANCIAL GROUP Group SG&A Expense Group Credit Cost Won in billions FY25 FY24 YoY(%) 4Q25 3Q25 Q0Q(%) FY25 FY24 FY23 FY22 FY21 SG&A Expense 5181 4,469 159 1,491 1,210 23.2 Salary & Benefits!) 3,245 2,738 18.5 952 737 29.2 owen i 2,086 wi

  11. Slide 11: FY2025 Financial Analysis (4) Funding and Lending

    - FY2025 Financial Analysis (4) Funding and Lending woo! FINANCIAL GROUP Funding (Bank) Lending (Bank) Won in billions FY25 Fy24 YTD(%) 3925 Q0Q(%) Won in billions FY25 FY24 YTD(%) 3Q25 Q0Q(%) TotalFundinginKRW 352,178 340,911 3.3 344,554 2.2 Large Corp. 55,323 52,423 5.5 53,381 3.6 i) Low Cost Depo

  12. Slide 12: FY2025 Financial Analysis (5) Asset Quality

    - FY2025 Financial Analysis (5) Asset Quality )WoorI FINANCIAL GROUP Group Asset Quality Bank Asset Quality Won in billions FY25 FY24 YTD(%, %p) 3Q25 QoQ(%,%p) Won in billions FY25 FY24 YTD(%, %p) 3Q25 Q0Q(%,%p) Total Credit 399,970 390,066 25 394,494 1.4 Total Credit 333,939 333,015 0.3 330,809 0.9

  13. Slide 13: FY2025 Financial Analysis (6) Capital Adequacy

    - FY2025 Financial Analysis (6) Capital Adequacy )WoorI FINANCIAL GROUP Group Capital Adequacy Bank Capital Adequacy Won in billions FY25(e) -FY24 + YTD(%) —3Q25-—-QoQ(%) Won in blions FY25(e) -FY24 ~~ YTD(%) 3025 + Qoa(%) Total Capital 37829 36928 24 37,958 -0.3 Total Capital 31,304 30,430 29 32,21

  14. Slide 14: Key Subsidiaries (1) Woori Bank

    Key Subsidiaries (1) Woori Bank )WoorI FINANCIAL GROUP Consolidated Income Statement Won in billions FY25 FY24 YoY(%) 4Q25 3Q25 Q0Q(%) Net Operating Revenue 8,977 8,637 3.9 2,233 2,231 0.1 Interest Income 7,817 7,566 3.3. 2,021 1,943 4.0 Non-interest Income 1,161 1,071 8.4 212 288 = -26.4 SG8A (-) 4

  15. Slide 15: Key Subsidiaries (2) Tongyang Life Insurance

    - Key Subsidiaries (2) Tongyang Life Insurance woor! FINANCIAL GROUP Consolidated Income Statement "te) Key Financial Indicators Won in billions FY25 FY24.-—-YoY(%) 4Q25 3025 QoQ(%) Won in illions MIDGEABM 3025 (QcQteieb) K-ICS Ratio? 177.3% 155.5% 218 173.6% 37 Insurance Profit iy 274 ee ® 25 Bs Av

  16. Slide 16: Key Subsidiaries (3) Woori Card / Financial Capital / Investment Securities

    -Key Subsidiaries (3) Woori Card / Woori Financial Capital / Woori Investment Securities © woori Financial GRouP Woori Financial Capital Woori Investment Securities Won in billions FY25 FY24 Yer) 4Q25 3025 ang Won inbilions — FY25 FY24 Yo) 4Q25 3Q25 car9 Won inbilions FY25 FY24 Yor) 4025 3Q25 any Op

  17. Slide 17: Appendix: (1) Group Overview

    AVA - Appendix : (1) Group Overview wort Financiat Group 2\el\eleal lel sela\ea1ea\/e1ela\/ale Group Woori Tongyana Wooti Woori Wooti ABL Woori Woot Wooti Woot Woori PE Woori Woori Woori (Consol,) Bank Card Financial Investment Life Asset. Savings Asset Venture Asset Credit Fund Insurance) Capital S

  18. Slide 18: ESG Highlights

    AV - Appendix : (2) ESG Highlights oor! FINANCIAL GROUP | Mid-to Long Term Reduction Targets for the Group's_| Selected Seven Core Management Sectors | Enhancing ESG Finance” {New origination basis, Won in ilions) “intemal Carbon Emissions” and “Financed Emissions” and Established Mitigation Measure

  19. Slide 19: Digital Highlights

    AV » Appendix : (3) Digital Highlights woor! FINANCIAL GROUP I Woori WON Banking App Subscribers | Digital Product Customers (Thousand persons) {Thousand persons) 22,333 2987 3,115 joys 3,115 3,084 2,666 2,284 Fy22. FY23.-FY24 = FY25 Fy22 9 FY23.««FY24-FY25 I Payment via Simple Payment Service _ | C

  20. Slide 20: Woori Financial Group

    WoorI FINANCIAL GROUP © WOoR! FINANCIAL GROUP FY25 BUSINESSRESULTS 19

  21. Slide 21: Corporate Value Enhancement Plan (Value-up 2.0)

    WE Corporate Value Enhancement Plan (Value-up 2.0) February 2026 © WOoRI FINANCIAL GROUP

  22. Slide 22: Overview

    | Overview ll Performance Review (Financial & Non-financial) lll 2026 Action Plan \V Appendix Disclaimer This document has been prepared by Woori Financial Group Inc. (the "Company," “Group” or "WFG") solely for the purpose of providing information relating to the Company's corporate value enhanceme

  23. Slide 23: WFG Corporate Value Enhancement Plan: Overview

    WFG Corporate Value Enhancement Plan |. Overview 2024 2023 y 7 — v First Bank Holding Company to Disclose “Corporate Value Enhancement Plan” v First share Buyback & Cancellation * An effective 18.2% increase in dividend income vy Fully Privatized v Launch of Woori Investment Securities v Initiated D

  24. Slide 24: Financial Performance Review

    WFG Corporate Value Enhancement Plan ll. Financial Performance Review )woor! FINANCIAL GROUP Mid-to-long-term ROE Target of 10%+ atio of 12.5% in CET1 Ratio of 12.5% in 2025 Mid-to-long-term CET1 Ratio Target of 13%+ @ Expansion of Shareholder Returns lends Buyback&Cancellation Sustained DPSGrowth S

  25. Slide 25: Non-Financial Performance Review

    \WFG Corporate Value Enhancement Pian © woor! FINANCIAL GROUP Il. Non-Financial Performance Review 2025 Review O Maa Strategy MAtOO ono manatee ne Dec. 2019 ‘Aug. 2024 I "Group Portfolio Completed —_ Woo" Asset Trust pee. 2020) Sells iti Dec. 2019 through Securities & Insurance M&A Woot! Global Dec.

  26. Slide 26: 2026 Action Plan: Capital Ratio and Real Estate

    \WFG Corporate Value Enhancement Plan Ill. 2026 Action Plan )woor! FINANCIAL GROUP Maximizing Capital Efficiency Early Achievement of a 13% CET1 Ratio Capital Ratio Stable Ca | Growth Focused on High Quality Assets and Expansion CET1 Ratio . of New Growth Finance Continued RORWA-based Asset Rebal: l

  27. Slide 27: 2026 Action Plan: Driving Group ROE Above 10%

    \WFG Corporate Value Enhancement Pian )woor! FINANCIAL GROUP lll. 2026 Action Plan Maximizing Capital Efficiency Driving Sustainable Group ROE Above 10% Strengthening New Subsidiaries & Group Synergy ° thro a Shift to > Se : sas : #10 Advanced Strategic Industries: Al, Semiconductors, Secondary Batt

  28. Slide 28: 2026 Action Plan: Dividends and Buyback

    \WFG Corporate Value Enhancement Plan Ill. 2026 Action Plan )woor! FINANCIAL GROUP Maximizing Capital Efficiency Dividends I Effective Payout Ratio +6%p Impact from Non-taxable Dividends I Nontaxable Dividend Distribution Capacity 6.3tn, incl. FY25 Year-end Dividend First Non-taxable Dividends << Am

  29. Slide 29: Appendix

    WFG Corporate Value Enhancement Plan IV. Appendix )woor! FINANCIAL GROUP » ROE/NetIncome « » CET1Ratio/CET1 « ? Total Asset/RWA <« Unit: %, tn won Unit : %, bn won Unit : bn won 106 MS Total Asset . 6 e © 601,473 1199 5 480474 498,005 528788 11:57 447,184 : 1143 Net income © 3.14 3.09 3.14 2.59 251

Woori Financial Group — Q4 2025 Earnings Presentation on 6ix