Hana Financial Group said on Friday it posted an annual consolidated net profit of 4.0029 trillion won, including 569.4 billion won in the fourth quarter of 2025.

That was up 7.1 percent, or 264.1 billion won, from a year earlier. The group cited resilient responses to market volatility, a more diversified earnings portfolio, groupwide cost efficiency and proactive risk management.

The group said non-interest income rose 14.9 percent, or 287.3 billion won, from a year earlier to 2.2133 trillion won despite greater domestic and external uncertainty, including FX translation losses from a rise in the exchange rate. It said resilient responses to market volatility and a more diversified earnings structure laid the foundation to achieve annual net profit in the 4 trillion won range.

Gains on trading and valuation rose 48.5 percent, or 345.5 billion won, from a year earlier to 1.0582 trillion won as trading results related to securities and foreign exchange derivatives increased.

Fee income rose 7.6 percent, or 156.8 billion won, from a year earlier to 2.2264 trillion won, driven by growth in accumulated fees such as bancassurance and operating leases, and asset management fees such as trust fees and securities brokerage fees.

The group’s core profit, the sum of net interest income of 9.1634 trillion won and fee income of 2.2264 trillion won, rose 5.2 percent, or 559.2 billion won, from a year earlier to 11.3898 trillion won.

Hana Financial’s cost-to-income ratio at end-2025 was 41.2 percent, an improvement of 1.2 percentage points from a year earlier, through strengthened digital competitiveness including AI and groupwide cost efficiency.

Credit cost at end-2025 was 0.29 percent and is being kept and managed stably within the range of the annual management plan in response to domestic and external uncertainty.

The group’s delinquency ratio was 0.52 percent, improving 5 basis points from the previous quarter, helped by the bank’s stable delinquency management and groupwide efforts to manage non-performing assets.

Return on equity, a key profitability indicator, was 9.19 percent, improving 7 basis points from a year earlier. Return on assets rose 1 basis point to 0.62 percent. The estimated BIS ratio was 15.60 percent.

As of end-2025, the group’s total assets were 878.0008 trillion won, including 203.4101 trillion won in trust assets.

Hana Bank annual net profit 3.7475 trillion won

Hana Bank posted annual consolidated net profit of 3.7475 trillion won in 2025, including 614.2 billion won in the fourth quarter. That was up 11.7 percent, or 391.1 billion won, from a year earlier.

Non-interest income rose 59.1 percent, or 405.8 billion won, from a year earlier to 1.0928 trillion won, driving the earnings increase. Gains on trading and valuation at 1.1441 trillion won and fee income of 1.0260 trillion won reached record highs on an accumulated annual basis.

It attributed the result to sustained solid business strength through synergies among the bank’s strengths in trade finance, foreign exchange and wealth management. It cited increases in foreign exchange and wealth management fees, improved trading results, and the largest increase in retirement pension reserves among banks.

The bank’s core profit, the sum of net interest income of 8.0728 trillion won and fee income of 1.0260 trillion won, was 9.0988 trillion won. Fourth-quarter net interest margin was 1.52 percent.

The cost-to-income ratio improved 1.9 percentage points from a year earlier to 39.4 percent on cost-efficiency efforts, and credit cost was 0.11 percent. The ratio of substandard or below loans was 0.35 percent and the delinquency ratio was 0.32 percent.

As of end-2025, Hana Bank’s total assets were 679.2302 trillion won, including 122.1958 trillion won in trust assets.

Among non-bank affiliates, Hana Card posted net profit of 217.7 billion won, Hana Securities 212.0 billion won, Hana Capital 53.1 billion won, Hana Asset Trust 24.8 billion won, and Hana Life 15.2 billion won.