Shinhan Financial Group posted a record net profit of over 3 trillion won in the first half of 2025.
The financial group announced on July 24 that its net income amounted to 1,549.1 billion won in the second quarter.
This marked an 8.7% increase from 1,425.5 billion won in the second quarter of last year and the highest on a quarterly basis. It is 4.1% more than the 1,488.8 billion won in the previous quarter.
Shinhan Financial Group’s cumulative net profit for the first half of the year stood at 3,037.4 billion won, increasing by 10.6% compared to 2,747 billion won in the same period of 2024, marking the largest net profit on a semiannual basis.
Shinhan Financial Group posted operating profit of 2,642.9 billion won in the second quarter. “Our net income increased due to the growth of loan assets and non-interest income related to fees and securities,” a Shinhan Financial Group official said.
Shinhan Financial Group’s and Shinhan Bank’s second quarter net interest margins (NIMs) remained at 1.9% and 1.55%, respectively, levels similar to 1.91% and 1.55%, respectively in the first quarter.
Compared to 1.95% and 1.6% in the second quarter of last year, they fell by 0.05 percentage points each.
The financial group’s interest income for the second quarter (2,864.0 billion won) increased by 1.5% from 2,821.8 billion won a year ago.
The growth of the financial group’s interest income despite the decline in its NIM is attributed to an increase in loan assets. Its non-interest income including fees ascended by 13.7% year on year to 1,265.0 billion won.
2025 Second Half Management Forum
Shinhan Financial Group held the “2025 Second Half Management Forum” at Shinhan Bank’s Blue Campus in Yongin, Gyeonggi-do on July 1.
The forum, themed “AX (AI Transformation)-Ignition,” was planned with the goal of applying generative AI and AI agents to each executive’s work and connecting them to company-wide execution.
In particular, it focused on transforming business leaders into “agents of execution” beyond simply understanding the technology.
To enhance the effectiveness of the second-half management forum, Shinhan Financial Group prepared a six-week pre-forum education program, offline intensive education before and after the forum.
Participating executives have been developing their understanding and learning capabilities through hands-on AI exercises.
During a morning session of the forum, group affiliates’ CEOs presented specific AI utilization strategies based on actionable plans and external experts shared insights on the future direction of the financial industry through lectures.
The AI Practical Mission conducted in the afternoon was designed to convert learning experiences into action by assigning real-time tasks that took into account the job experience of the executives and key issues in the financial industry.
Therefore, 237 executives utilized AI agents to execute their missions and shared their experiences such as selecting excellent results.
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