BNK Financial Group said on Thursday it posted 2025 consolidated net profit attributable to owners of 815.0 billion won, up 11.9 percent, or 86.5 billion won, from a year earlier. It said net profit rose on higher non-interest income and lower credit loss provisions.

Net profit in the banking unit rose 11.3 billion won from a year earlier to 732.1 billion won. Busan Bank increased 28.7 billion won and Kyongnam Bank fell 17.4 billion won.

Net profit in the non-banking unit rose 43.3 billion won from a year earlier to 188.1 billion won. The group cited increases including capital 16.3 billion won, investment securities 10.8 billion won, savings bank 3.2 billion won and asset management 15.5 billion won.

Its asset quality indicator, the substandard-or-below loan ratio, was 1.42 percent, improving 4 basis points from the previous quarter. The delinquency ratio was 1.14 percent, improving 20 basis points from the previous quarter.

Its common equity tier 1 capital ratio rose 6 basis points from a year earlier to 12.34 percent on solid earnings and active risk-weighted assets management.

BNK Financial said it plans to lay the groundwork for preparing for an expansion of credit risk and increasing shareholder returns by continuing to improve the common equity tier 1 capital ratio.

The board on the day approved a cash dividend with a payout ratio of 28.1 percent, and 735 won per share, comprising a quarterly dividend of 360 won and a year-end dividend of 375 won.

Kang Jong-hoon (강종훈), chief financial officer and executive vice president at BNK Financial Group, said, "As we disclosed the report on the implementation status of the corporate value enhancement plan, our key financial indicators are improving and the execution of the value-up roadmap is being put into full swing." He said, "We will continue to carry out treasury share buybacks and cancellations in undervalued sections, and do our best to enhance shareholder value by steadily increasing the share of cash dividends so that we can meet the requirements for high-dividend companies eligible for separate taxation on dividend income."