The earnings call highlighted significant improvements in the CET1 ratio and net income, driven by strong noninterest income and proactive shareholder returns. However, concerns remain regarding increased credit costs, sluggish loan growth, and challenges in the real estate trust business. Asset quality issues persist, but the Group's overseas business maintains solid performance.

Company Guidance -

Q3 2025

In the 2025 Q2 earnings call for Shinhan Financial Group, it was reported that the Group's CET1 ratio improved by 32 basis points quarter-over-quarter, reaching 13.59%, driven by solid earnings and efficient management of risk-weighted assets. The Board resolved a cash dividend of KRW571 per share and approved a share buyback program totaling KRW800 billion, with KRW600 billion to be executed in H2 2025 and KRW200 billion in January 2026. The Group's net income increased by 4.1% to KRW1,549.1 billion, supported by a 34.7% rise in noninterest income, despite higher credit costs due to delayed economic recovery. The cost-to-income ratio remained stable at 36.6% in H1, and the ROE and ROTCE improved by 0.7%, reaching 11.4% and 12.9% respectively. The Group's NIM declined by 16 bps, and the RWA decreased by KRW4 trillion, influenced by foreign currency loan adjustments. The Group anticipates credit costs to be in the mid- to late 40 bps range for H2 2025, with continued focus on maintaining capital stability and strategic resource allocation.

Improved CET1 Ratio

The Group's CET1 ratio was provisionally estimated at 13.59%, an improvement of 32 bps compared to the previous quarter, driven by solid earnings and a weaker exchange rate.

Net Income Growth

The Group recorded a net income of KRW1,549.1 billion, growing 4.1% QoQ due to improvements in noninterest income.

Increased Shareholder Returns

The Board resolved to pay a cash dividend of KRW571 per share and announced a share buyback amounting to KRW800 billion, part of a year-round share buyback program.

Noninterest Income Surge

Noninterest income grew 34.7% QoQ, driven by securities and FX derivative-related gains.

Overseas Business Performance

The Group's overseas business continues to perform solidly despite ongoing uncertainties.

Shinhan Financial Group Co (SHG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SHG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	2.01 / -	1.697	―	―	―
Jul 25, 2025	2025 (Q2)	2.02 / 2.21	2.027	9.18% (+0.19)
Apr 25, 2025	2025 (Q1)	2.02 / 2.16	1.866	15.65% (+0.29)
Feb 06, 2025	2024 (Q4)	0.88 / 0.59	0.781	-24.46% (-0.19)
Oct 25, 2024	2024 (Q3)	1.82 / 1.70	1.703	-0.35% (>-0.01)
Jul 26, 2024	2024 (Q2)	1.90 / 2.03	1.797	12.80% (+0.23)
Apr 26, 2024	2024 (Q1)	1.70 / 1.87	2.041	-8.57% (-0.17)
Feb 08, 2024	2023 (Q4)	0.86 / 0.78	0.501	55.89% (+0.28)
Oct 27, 2023	2023 (Q3)	1.75 / 1.70	2.352	-27.59% (-0.65)	―	―
Jul 27, 2023	2023 (Q2)	1.92 / 1.80	1.746	2.92% (+0.05)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SHG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$50.32	$50.91	+1.17%
Apr 25, 2025	$34.59	$34.64	+0.14%
Feb 06, 2025	$35.18	$34.56	-1.76%
Oct 25, 2024	$40.82	$41.32	+1.22%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Shinhan Financial Group Co Ltd (SHG) report earnings?

Shinhan Financial Group Co Ltd (SHG) is schdueled to report earning on Oct 28, 2025, TBA (Confirmed).

What is Shinhan Financial Group Co Ltd (SHG) earnings time?

Shinhan Financial Group Co Ltd (SHG) earnings time is at Oct 28, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SHG EPS forecast?

SHG EPS forecast for the fiscal quarter 2025 (Q3) is 2.01.

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