Hana Financial Group Reports Strong Q3 Earnings, Announces Share Buyback and Cancellation
Hana Financial Group Achieves ₩3.43 Trillion in Cumulative Net Profit for Q3
Hana Financial Group announced on October 28, 2025, that it recorded a net profit of ₩1.1324 trillion in the third quarter, bringing its cumulative consolidated net profit for the first three quarters to ₩3.4334 trillion. This result is attributed to solid core profit growth and expansion of non-interest income. Hana Financial Group's latest earnings announcement demonstrates its ability to maintain stable profitability despite a challenging economic environment.
The cumulative net profit of ₩3.4334 trillion for the first three quarters represents a 6.5% increase, or ₩208 billion, compared to the same period last year. Hana Financial Group cited strengthened core competitiveness and proactive asset soundness management as key factors contributing to this improved performance. In particular, the results reflect the Group's focus on maximizing profitability by maintaining a stable portfolio amidst a challenging market environment. A Group representative stated, "We will continue to enhance ESG management along with ongoing digital transformation to contribute to the creation of social value."
The non-interest income sector also achieved remarkable growth. Hana Financial Group's non-interest income totaled ₩2.259 trillion, an increase of 12.2%, or ₩21 billion, compared to the same period last year. Within this, gains on trading and valuation amounted to ₩1.1195 trillion, an increase of 19.5%, or ₩182.8 billion, year-on-year, while fee income rose to ₩1.6504 trillion, an increase of 6.7%, or ₩102.9 billion, year-on-year. This indicates that the Group's diversified revenue structure has been firmly established. In particular, the growth of the asset management and investment banking (IB) sectors was prominent.
Key profit indicators also showed positive trends. Hana Financial Group's core profit, which combines interest income of ₩6.7803 trillion and fee income of ₩1.6504 trillion, totaled ₩8.4307 trillion, an increase of 3.8%, or ₩305.8 billion, compared to the same period last year. The net interest margin (NIM) for the third quarter was 1.74%, while the credit cost ratio at the end of the third quarter was 0.28%, and the operating income-expense ratio (C/I Ratio) was 38.8%. These indicators are assessed as evidence of Hana Financial Group's stable profitability and efficient cost management capabilities. Furthermore, the Group's soundness indicators are also shown to be maintained at a stable level.
The Group's asset size is also steadily increasing. As of the end of the third quarter, total assets reached ₩857.1589 trillion, including trust assets of ₩198.0812 trillion. This is an indicator that demonstrates Hana Financial Group's solid position in the domestic financial market. Hana Financial Group stated that it plans to pursue continuous growth along with qualitative improvement of its asset portfolio in the future.
Efforts to enhance shareholder value are also continuously underway. Hana Financial Group's board of directors resolved to implement a ₩150 billion share buyback and cancellation program and a quarterly cash dividend of ₩920 per share. The Group has purchased a total of ₩803.1 billion worth of treasury shares, including ₩653.1 billion worth of treasury shares that were purchased by the end of the third quarter, and when combined with the annual cash dividend of ₩1 trillion announced at the beginning of the year, the total amount of shareholder returns for this year will reach ₩1.8031 trillion. This demonstrates Hana Financial Group's proactive commitment to returning practical benefits to shareholders and enhancing corporate value.
The performance of major subsidiaries also showed a positive trend. Hana Bank's cumulative consolidated net profit for the first three quarters of this year was ₩3.1333 trillion, an increase of 12.7% compared to the same period last year. Hana Bank's NIM as of the third quarter was 1.50%, an increase of 0.02%p compared to the previous quarter, and its net profit for the third quarter of this year was ₩1.482 trillion. As of the end of September, the delinquency rate was 0.36%, and the ratio of non-performing loans was 0.35%, maintaining a stable level. In addition, Hana Card recorded ₩170 billion, Hana Securities ₩169.6 billion, Hana Capital ₩64.1 billion, Hana Asset Trust ₩36.9 billion, and Hana Life Insurance ₩17.7 billion in cumulative net profit for the third quarter, respectively.
An official from Hana Financial Group stated, "The achievement of solid performance despite a difficult economic environment is thanks to the efforts of all Group employees. We will continue to do our best to enhance shareholder value through continuous innovation and growth." He also added, "We will strengthen ESG management to fulfill our social responsibilities and strive to become a financial group that grows together with our customers. Hana Financial Group plans to continue responding quickly to changes in the financial market and discover new growth engines to sustain continuous growth in the future."
