1. iM Financial Group’s Q2 Performance: What Happened?

iM Financial Group achieved KRW 22.718 trillion in revenue, KRW 198.6 billion in operating profit, and KRW 154.9 billion in net profit for Q2 2025. These figures significantly surpassed market projections, with double-digit net profit growth being particularly noteworthy.

2. Behind the Beat: Why the Strong Performance?

This strong performance can be attributed to positive factors such as iM Bank’s transition to a commercial bank, the launch of iM Securities’ NXT platform, and strengthened ESG management. However, headwinds like a worsening external economic environment and potential interest rate cuts cannot be ignored. Notably, operating profit slightly declined compared to the previous quarter, a development that warrants further investigation. Factors such as cost-cutting measures or strong performance in specific business segments need to be identified.

3. Positive Factors and Underlying Risks: What’s Next?

  • Positive Factors: In the long term, corporate restructuring, brand integration, and enhanced ESG management are expected to contribute to increased corporate value.
  • Underlying Risks: Continued NIM decline, domestic economic slowdown, potential interest rate cuts, and the US-China trade dispute could still hinder iM Financial Group’s growth.

iM Financial Group must maximize positive factors and minimize risks to achieve sustainable growth.

4. Action Plan for Investors

While iM Financial Group’s Q2 results are positive, a cautious investment strategy is warranted considering the potential risks. Investors should carefully analyze the upcoming final earnings announcement, additional information disclosures, and iM Financial Group’s strategies for navigating external environment changes.