Introduction to the Filing

On March 3, 2026, Shinhan Financial Group filed its audited financial results for 2025 for its main unit, Shinhan Bank, with U.S. regulators. The submission was made as part of the company’s ongoing reporting obligations.

The filing includes complete audited financial statements which comply with international financial reporting standards. Although all required data has been submitted auditors and shareholders must still give their final approval.

Details of the 2025 Audit Submission

The audited results include:

• Shinhan Bank’s complete financial statements for fiscal year 2025
  
  
• Independent auditor reports attached to the annual audit
  
  
• Consolidated figures encompassing the bank’s operations

These audited figures are essential for transparency and compliance, confirming the bank’s financial health and performance across key business areas.

Performance Highlights

Earlier preliminary filings revealed that Shinhan Financial Group posted solid profit growth in 2025, even as revenue was lower year-over-year. Key points from those filings include:

• Consolidated net income increased by more than 11% despite a drop in revenue.
  
  
• Shinhan Bank’s net income rose modestly on stronger interest income from larger loan assets.
  
  
• Subsidiaries such as Shinhan Card recorded a decline in profitability due to higher interest costs.

The company proposed dividends which included a fourth-quarter dividend of KRW 880 per share and an annual dividend of KRW 2,590 per share which required audit completion and shareholder approval for distribution.

Annual General Meeting Plans

In connection with the audited results, the group also scheduled its annual general meeting of shareholders. The meeting is set for March 26, 2026, and will include key agenda items such as:

• Approval of the audited financial statements
  
  
• Election of board directors
  
  
• Ratification of dividend payments
  
  
• Changes to capital reserves

This AGM will provide shareholders the opportunity to review, question and approve the company’s financial performance and strategic plans.

Importance of the Filing

The company must submit its audited financial results because this process serves as a legal requirement for maintaining its U.S. market listing and for meeting regulatory standards. The process establishes investor trust through independent financial audits which confirm the bank's reported financial results.

Next Steps for Investors

Shinhan Financial Group will start its dividend distribution and strategic activities from its financial plan after the auditors and shareholders approve the final results at the AGM.