Hana Financial Group Inc
KRX:086790

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Hana Financial Group Inc Logo
Hana Financial Group Inc
KRX:086790
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Price: 92 400 KRW -1.18%
Market Cap: 25.7T KRW

Hana Financial Group Inc
Investor Relations

Hana Financial Group Inc., nestled in the bustling heart of South Korea, stands as a robust entity woven into the intricate tapestry of the global financial landscape. Born from the aspirations of its founders to diversify and innovate financial services in an ever-evolving market, Hana has grown from its humble beginnings into a formidable giant. At the core of its operations lies a dedication to offering a broad spectrum of financial services, effectively positioning itself as a comprehensive one-stop shop for its diverse clientele. From retail and corporate banking to wealth management and insurance, Hana orchestrates its symphony of offerings with the precision and expertise that only decades of industry experience can bestow.

Revenue generation for Hana Financial Group is a multifaceted affair, leveraging various mechanisms that play into its synergy of services. The company's primary engine of profit comes from its core banking operations, wherein interest income from loans and mortgages forms the backbone of its financial muscle. Enhancing this are its non-interest services, such as fees from wealth management and insurance premiums, deftly complementing the traditional banking proficiencies. Hana Financial Group also meticulously manages its investment strategies to harness opportunities in capital markets, expanding its revenue streams while maintaining a vigilant eye on risk management. In essence, Hana's acumen in combining banking tradition with modern financial innovations allows it to thrive amidst the winds of change in the economic landscape.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Oct 28, 2025
AI Summary
Q3 2025

Shareholder Returns: Hana Financial Group announced a KRW 920 per share cash dividend and a KRW 150 billion share buyback, boosting 2025's total shareholder return to KRW 1,803.1 billion, a 28% year-on-year increase.

Net Income Beat: Q3 net income reached KRW 1,132.4 billion, with year-to-date net income up 6.5% year-on-year to KRW 3,433.4 billion, exceeding market expectations.

Loan Growth: Bank loans in won increased 2.6% quarter-on-quarter and 5.1% year-to-date, surpassing the full-year loan growth target.

Stable Margins: Group NIM was 1.74% (up 1 bp QoQ); Hana Bank NIM was 1.50% (up 2 bp QoQ), supported by lower funding costs and fixed-rate loan expansion.

Credit Costs Managed: Group credit cost ratio declined to 28 bps, with nonbank provisioning at the lowest level since Q4 2022.

Capital & CET1: Group CET1 ratio was 13.30%, down 9 bps QoQ, but management remains committed to maintaining it above 13%.

Nonbanking Weakness: Nonbanking profits lagged due to investment losses, though management expects normalization by 2027.

Key Financials
Cash Dividend per Share
KRW 920
Share Buyback and Cancellation
KRW 150 billion
Total Shareholder Return (2025)
KRW 1,803.1 billion
Net Income (Q3)
KRW 1,132.4 billion
Net Income (YTD Q3)
KRW 3,433.4 billion
Return on Equity (YTD Q3)
10.6%
Group Net Interest Margin (Q3)
1.74%
Hana Bank Net Interest Margin (Q3)
1.50%
Interest Income (Q3)
KRW 2,291.2 billion
Interest Income (YTD Q3)
KRW 6,780.3 billion
Bank Loans in Won (Q3)
KRW 318 trillion
Loan Growth (YTD Q3)
5.1%
Corporate Loan Growth (QoQ)
3.3%
Household Loan Growth (QoQ)
1.7%
Fee Income (Q3)
KRW 570 billion
Fee Income (YTD Q3)
KRW 1.65 trillion
Disposition and Valuation Gain (Q3)
KRW 293.1 billion
Disposition and Valuation Gain (YTD Q3)
KRW 1,119.5 billion
G&A Expense (YTD Q3)
KRW 3,413.2 billion
Cost/Income Ratio (YTD Q3)
38.8%
Credit Cost Ratio (YTD Q3)
28 bps
CET1 Ratio (Q3)
13.30%
Other Earnings Calls

Management

Mr. Young-Joo Ham
CEO, President, Vice Chairman of ESG, Head of Sports Business Division & Executive Director
No Bio Available
Jongmoo Park
Internal Accounting Manager, Executive VP & CFO
No Bio Available
Mr. Byung-Joon Park
Deputy President & COO
No Bio Available
Mr. Ji-Whoan Park
Senior EVP & Head of Investment Banking Unit
No Bio Available
Mr. Gil-Joo Kwon
CIO, CCO, Head of Management Supporting Office & Deputy President
No Bio Available
Mr. G.H. Park
Head of IR Team
No Bio Available
Guang-il Choi
Executive VP & Chief Compliance Officer
No Bio Available
Mr. Yeong-Keun Ann
Senior Executive VP & CPRO
No Bio Available
Mee Sook Kim
Deputy President & Chief Human Resource Officer
No Bio Available
Mr. Tae-Gyun Kwon
Chief Executive Officer of -K Non-Life Insurance
No Bio Available

Contacts

Address
SEOUL
Seoul
66, Eulji-ro, Jung-gu
Contacts
+82220021110
www.hanafn.com