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
3Q2026 Preliminary Operating Results of Shinhan Financial Group
On October 27, 2026, Shinhan Financial Group Co., Ltd. released its preliminary operating results for 3Q 2026. 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 and is to be reviewed by our independent auditor. As figures provided have not yet been fully reviewed by our independent auditor, contents are subject to change in the due course of the reviewing process.
1. Preliminary Operating Results of Shinhan Financial Group (Consolidated)
(KRW million)
Item
3Q 2026
2Q 2026
QoQ Change (%)
3Q 2025
YoY Change (%)
Revenue*
Specified Quarter
18,640,834
25,063,156
-25.62
9,514,830
95.91
Cumulative
72,196,422
-
-
48,854,886
47.78
Operating Income
Specified Quarter
1,907,021
2,476,281
-22.99
1,954,623
-2.44
Cumulative
6,537,755
-
-
5,913,094
10.56
Income before Income Taxes
Specified Quarter
2,111,207
2,515,975
-16.09
1,950,623
8.23
Cumulative
6,848,564
-
-
6,028,305
13.61
Net Income
Specified Quarter
1,609,753
1,846,651
-12.83
1,452,190
10.85
Cumulative
5,105,552
-
-
4,546,470
12.30
Net Income Attributable to Controlling Interest
Specified Quarter
1,584,629
1,820,135
-12.94
1,423,544
11.32
Cumulative
5,027,358
-
-
4,460,943
12.70
* 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
3Q 2026
2Q 2026
QoQ Change (%)
3Q 2025
YoY Change (%)
Revenue*
Specified Quarter
12,028,356
11,790,413
2.02
4,649,798
158.69
Cumulative
41,975,518
-
-
29,835,564
40.69
Operating Income
Specified Quarter
1,591,702
1,693,081
-5.99
1,466,074
8.57
Cumulative
4,750,258
-
-
4,397,561
8.02
Income before Income Taxes
Specified Quarter
1,629,676
1,729,299
-5.76
1,459,760
11.64
Cumulative
4,856,414
-
-
4,417,714
9.93
Net Income
Specified Quarter
1,225,635
1,301,581
-5.83
1,089,405
12.50
Cumulative
3,684,792
-
-
3,356,650
9.78
Net Income Attributable to Controlling Interest
Specified Quarter
1,225,211
1,301,383
-5.85
1,089,241
12.48
Cumulative
3,683,725
-
-
3,356,056
9.76
* Represents the sum of interest revenues, fees and commissions revenues, and other operating revenues
3. Preliminary Operating Results of Shinhan Card (Consolidated)
(KRW million)
Item
3Q 2026
2Q 2026
QoQ Change (%)
3Q 2025
YoY Change (%)
Revenue*
Specified Quarter
1,453,628
1,569,249
-7.37
1,310,727
10.90
Cumulative
4,720,067
-
-
4,532,472
4.14
Operating Income
Specified Quarter
129,608
184,538
-29.77
177,990
-27.18
Cumulative
458,555
-
-
495,303
-7.42
Income before Income Taxes
Specified Quarter
301,788
182,336
65.51
176,994
70.51
Cumulative
636,762
-
-
497,478
28.00
Net Income
Specified Quarter
231,809
139,097
66.65
134,123
72.83
Cumulative
487,580
-
-
383,389
27.18
Net Income Attributable to Controlling Interest
Specified Quarter
232,350
137,974
68.40
133,764
73.70
Cumulative
485,773
-
-
380,403
27.70
* Represents the sum of interest revenues, fees and commissions revenues, and other operating revenues
4. Preliminary Operating Results of Shinhan Life (Consolidated)
(KRW million)
Item
3Q 2026
2Q 2026
QoQ Change (%)
3Q 2025
YoY Change (%)
Revenue*
Specified Quarter
1,730,726
3,992,665
-56.65
1,716,267
0.84
Cumulative
8,457,180
-
-
5,696,594
48.46
Operating Income
Specified Quarter
171,069
266,348
-35.77
234,264
-26.98
Cumulative
582,060
-
-
701,571
-17.03
Income before Income Taxes
Specified Quarter
171,954
258,090
-33.37
231,953
-25.87
Cumulative
569,351
-
-
687,311
-17.16
Net Income
Specified Quarter
128,751
187,491
-31.33
170,167
-24.34
Cumulative
419,387
-
-
514,515
-18.49
Net Income Attributable to Controlling Interest
Specified Quarter
128,751
187,491
-31.33
170,167
-24.34
Cumulative
419,387
-
-
514,515
-18.49
* Represents the sum of ‘insurance revenues’ and ‘insurance finance income and investment income’.
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.