6-K 1 form_6k_260205_1.htm 6-K 6-K

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

 

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FORM 6-K

 

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REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

 

For the Month of February 2026

 

Commission File Number: 001-31798

 

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SHINHAN FINANCIAL GROUP CO., LTD.

(Translation of registrant's name into English)

 

——————————

 

20, Sejong-daero 9-gil, Jung-gu, Seoul 04513, Korea
(Address of principal executive offices)

 

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Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

 

Form 20-F Form 40-F

 

 

 

 

 

 

 

 

 


Preliminary Operating Results for FY2025

 

On February 5, 2026, Shinhan Financial Group released its preliminary operating results for the fiscal year 2025. The following tables reflect the key figures we announced through a fair disclosure. The full IR presentation materials are available at our website (www.shinhangroup.com).

 

The financial information in this report has been prepared in accordance with Korean International Financial Reporting Standards(“K-IFRS”) and is to be audited by our independent auditor. As figures provided have not yet been fully audited by our independent auditor, contents are subject to change in the due course of the auditing process.

 

1. Preliminary Operating Results of Shinhan Financial Group (Consolidated)

 

 

 

 

 

  (KRW million)

Item

4Q 2025

3Q 2025

QoQ Change (%)

4Q 2024

YoY Change (%)

Revenue*

Specified Quarter

15,827,074

9,514,830

66.34

24,348,107

-35.00

Cumulative

64,681,960

-

-

74,064,279

-12.67

Operating Income

Specified Quarter

1,110,263

1,954,623

-43.20

667,994

66.21

Cumulative

7,023,357

-

-

6,458,670

8.74

Income before Income Taxes

Specified Quarter

900,704

1,950,623

-53.82

601,780

49.67

Cumulative

6,929,009

-

-

6,029,092

14.93

Net Income

Specified Quarter

538,049

1,452,190

-62.95

433,906

24.00

Cumulative

5,084,519

-

-

4,558,170

11.55

Net Income Attributable to Controlling Interest

Specified Quarter

510,618

1,423,544

-64.13

406,098

25.74

Cumulative

4,971,561

-

-

4,450,177

11.72

Notes :

1) The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.

2) The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.

3) The financial figures for the previous term (4Q 2024) have been restated in the due course of the audit process by our independent auditor.

4) 'Revenue' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.


 

2. Preliminary Operating Results of Shinhan Bank (Consolidated)

 

 

 

 

 

(KRW million)

Item

4Q 2025

3Q 2025

QoQ Change (%)

4Q 2024

YoY Change (%)

Revenue*

Specified Quarter

9,331,850

4,649,798

100.69

17,565,577

-46.87

Cumulative

39,167,414

-

-

47,357,783

-17.29

Operating Income

Specified Quarter

912,133

1,466,074

-37.78

810,100

12.60

Cumulative

5,309,693

-

-

5,059,246

4.95

Income before Income Taxes

Specified Quarter

643,637

1,459,760

-55.91

767,905

-16.18

Cumulative

5,061,351

-

-

4,769,937

6.11

Net Income

Specified Quarter

419,172

1,089,405

-61.52

592,676

-29.27

Cumulative

3,775,822

-

-

3,695,913

2.16

Net Income Attributable to Controlling Interest

Specified Quarter

418,710

1,089,241

-61.56

592,672

-29.35

Cumulative

3,774,766

-

-

3,695,449

2.15

Notes :

1) The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.

2)The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.

3) 'Revenue' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.

4) Material management matter of subsidiary company: Shinhan Bank Asset proportion out of the total group asset: 36.1%


3. Preliminary Operating Results of Shinhan Card (Consolidated)

 

 

 

 

(KRW million)

Item

4Q 2025

3Q 2025

QoQ Change (%)

4Q 2024

YoY Change (%)

Revenue*

Specified Quarter

1,359,911

1,310,727

3.75

1,850,529

-26.51

Cumulative

5,892,383

-

-

6,173,106

-4.55

Operating Income

Specified Quarter

114,717

177,990

-35.55

46,068

149.02

Cumulative

610,020

-

-

757,441

-19.46

Income before Income Taxes

Specified Quarter

122,211

176,994

-30.95

47,931

154.97

Cumulative

619,689

-

-

765,468

-19.04

Net Income

Specified Quarter

96,816

134,123

-27.82

20,176

379.86

Cumulative

480,205

-

-

575,261

-16.52

Net Income Attributable to Controlling Interest

Specified Quarter

96,342

133,764

-27.98

19,415

396.22

Cumulative

476,745

-

-

572,147

-16.67

Notes :

1) The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.

2) The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.

3) 'Revenue' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.

4) Material management matter of subsidiary company: Shinhan Card Asset proportion out of the total group asset: 21.0%


4. Preliminary Operating Results of Shinhan Life (Consolidated)

 

 

 

 

(KRW million)

Item

4Q 2025

3Q 2025

QoQ Change (%)

4Q 2024

YoY Change (%)

Revenue*

Specified Quarter

2,120,220

1,716,267

23.54

2,033,735

4.25

Cumulative

7,816,814

-

-

7,044,374

10.97

Operating Income

Specified Quarter

90,417

234,264

-61.40

80,965

11.67

Cumulative

791,988

-

-

725,082

9.23

Income before Income Taxes

Specified Quarter

100,803

231,953

-56.54

81,710

23.37

Cumulative

788,114

-

-

721,442

9.24

Net Income

Specified Quarter

-6,807

170,167

-104.00

61,294

-111.11

Cumulative

507,708

-

-

528,401

-3.92

Net Income Attributable to Controlling Interest

Specified Quarter

-6,807

170,167

-104.00

61,294

-111.11

Cumulative

507,708

-

-

528,401

-3.92

Notes :

1) The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.

2) The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.

3) 'Revenue' represents the sum of insurance revenues and investment revenues and other operating revenues.

4) Material management matter of subsidiary company: Shinhan Life Asset proportion out of the total group asset: 11.2%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


Declaration of Cash Dividend by Shinhan Financial Group

 

On February 5, 2026, the board of directors of Shinhan Financial Group passed a resolution to declare 4th quarter cash dividends for FY2025 of KRW 880 per common share, which is total dividend amount of KRW 417,695,836,800 subject to shareholder approval. The total number of shares subject to dividend is 474,654,360 shares.

 

The annual dividend is KRW 1,245.9 billion (KRW 2,590 per share) including quarterly dividends for the 1st, 2nd, and 3rd quarter.

 

The record date is February 20, 2026 (Korea local time), and in accordance with the Korean Commercial Code, the payment for such dividends is expected to be made within one month following shareholder approval at the annual general meeting of shareholders of Shinhan Financial Group (the “AGM”). The date of the AGM will be decided and made publicly available upon the resolution of the board of directors of Shinhan Financial Group to convene such meeting.

 

The contents of the above declaration remain subject to change pending the results of the audit by Shinhan Financial Group’s independent auditors and the approval at the AGM.

 


Declaration of Cash Dividend by Shinhan Bank

 

On February 4, 2026, the Board of Directors of Shinhan Bank, a wholly-owned bank subsidiary of Shinhan Financial Group, resolved to pay cash dividends of KRW 1,190.32 per common share, for a total dividend amount of KRW 1,887,382,844,846, subject to the shareholders’ approval.

 

The record date is December 31, 2025, and in accordance with the Korean Commercial Code, the payment for such dividends is expected to be made within one month following shareholder approval at the annual general meeting of shareholders of Shinhan Bank.

 

Shinhan Bank is a wholly-owned subsidiary of Shinhan Financial Group and the total dividend amount will be received by Shinhan Financial Group.

 

The contents of the above declaration remain subject to change in the due course of the auditing process and the general meeting of shareholders of Shinhan Bank.


Declaration of Cash Dividend by Shinhan Card

 

On February 4, 2026, the Board of Directors of Shinhan Card, a wholly-owned bank subsidiary of Shinhan Financial Group, resolved to pay cash dividends of KRW 1,902 per common share, for a total dividend amount of KRW 238,452,604,506, subject to the shareholders’ approval.

 

The record date is December 31, 2025, and in accordance with the Korean Commercial Code, the payment for such dividends is expected to be made within one month following shareholder approval at the annual general meeting of shareholders of Shinhan Card.

 

Shinhan Card is a wholly-owned subsidiary of Shinhan Financial Group and the total dividend amount will be received by Shinhan Financial Group.

 

The contents of the above declaration remain subject to change in the due course of the auditing process and the general meeting of shareholders of Shinhan Card.


Report of Change in Revenue or Profit of More than 15% (Shinhan Bank)

 

On February 5, 2026, Shinhan Financial Group reported changes in the revenue and profit as described below.

 

Key Details (consolidated)

 

 

 

 

Details of changes (KRW thousands)

FY2025

FY2024

Change

(Amount)

Change

(%)

Revenue and Profit

-Sales

39,167,414,000

47,357,783,000

- 8,190,369,000

-17.29

-Operating income

5,309,693,000

5,059,247,000

 250,446,000

4.95

-Net income from continuing

operation before income tax

5,061,351,000

4,769,938,000

291,413,000

6.11

-Net income

3,775,822,000

 3,695,913,000

79,909,000

2.16

Main causes for changes in

sales or profits/losses amount

Increase in interest income due to increase in loan assets, etc.

Other Financial Date

-Total assets

596,967,318,000

556,691,161,000

-Total liabilities

558,513,573,000

519,926,426,000

-Total shareholders' equity

38,453,745,000

36,764,735,000

-Capital stock

7,928,078,000

7,928,078,000

-Total shareholders'

equity/capital stock ratio (%)

485.03

463.73

 

Note:

1) The material above is prepared for the convenience of our investors. As figures provided have not yet been fully audited by our independent auditor, contents are subject to change in the due course of the auditing process.

2) The financial information in this material has been prepared in accordance with Korean International Financial Reporting Standards.

3) 'Sales Amount' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.

4) The above amounts are rounded up to the nearest 100,000 won.

 


Report of Change in Revenue or Profit of More than 15% (Shinhan Card)

 

On February 5, 2026, Shinhan Financial Group reported changes in the revenue and profit as described below.

 

Key Details (consolidated)

 

 

 

 

Details of changes (KRW thousands)

FY2025

FY2024

Change

(Amount)

Change

(%)

Revenue and Profit

-Sales

5,892,383,128

6,173,105,520

- 280,722,392

- 4.55

-Operating income

610,020,053

757,440,820

- 147,420,767

- 19.46

-Net income from continuing

operation before income tax

619,688,622

765,468,976

- 145,780,354

- 19.04

-Net income

480,205,152

575,260,882

- 95,055,729

- 16.52

Main causes for changes in

sales or profits/losses amount

Decrease in Operating income due to increase in interest expense.

Other Financial Date

-Total assets

43,186,731,647

44,137,093,985

-Total liabilities

34,686,849,729

35,860,197,801

-Total shareholders' equity

 8,499,881,918

8,276,896,184

-Capital stock

626,847,015

    626,847,015

-Total shareholders'

equity/capital stock ratio (%)

1,355.97

1,320.40

 

Note:

1) The material above is prepared for the convenience of our investors. As figures provided have not yet been fully audited by our independent auditor, contents are subject to change in the due course of the auditing process.

2) The financial information in this material has been prepared in accordance with Korean International Financial Reporting Standards.

3) 'Sales Amount' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.

 


 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

 

 

 

 

 

 

 

 

Shinhan Financial Group Co., Ltd.

 

 

(Registrant)

 

 

 

 

    Date: February 5, 2026

 

By:

/s/ JANG Jeong Hoon

 

 

 

 

 

 

Name: JANG Jeong Hoon

 

 

Title: Chief Financial Officer