BIS ratio 15.61%, KRW 350bn share buyback, KRW 4,105 DPS, while litigation risk of KRW 1.5tn persists

BIS ratio 15.61% (group), CET1 ratio 13.38% (within target range), sound capital adequacy
2025 consolidated net income KRW 4,036.6 billion (+7.1% YoY), 89.76% of dividend income dependent on Hana Bank
Treasury share buyback and cancellation plan totaling KRW 350 billion (KRW 200bn in Jul 2025, KRW 150bn in Oct 2025), over KRW 1 trillion cancelled including trust contracts in 2024-25
2025 dividends: quarterly KRW 906~920, final KRW 1,366, total KRW 4,105 per share, targeting 50% payout ratio by 2027
Pending litigation: 1,459 defendant cases (approx. KRW 1.5 trillion), 2,103 plaintiff cases (approx. KRW 586 billion) → material contingent liability risk
Subsidiary losses: Hana Savings Bank KRW 27.9bn, Hana Non-Life Insurance KRW 47bn, FINC KRW 7.3bn continued losses
Credit cost KRW 6.5 trillion (lower YoY), potential SME and real estate PF non-performing, NIM compression risk
Derivatives (CDS, TRS) notional amounts in trillions of won, credit risk exposure, interest rate and FX volatility
Intensifying fintech/bigtech competition, increasing IT dependence, AML regulatory tightening
Issuer bond rating AAA, excellent funding capability

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