1. What’s on the IR Agenda?
On August 28, 2025, Shinhan Financial Group will host an IR presentation for individual investors, focusing on H1 2025 earnings and shareholder return policy. Key questions include the sustainability of Q1’s strong performance and potential new policies for shareholders.
2. Q1 2025 Performance and Key Issues
Shinhan posted KRW 1.49 trillion in net income in Q1 2025 (a 12.6% YoY increase). Strong bank sector performance and normalization efforts in the non-banking sector are positive. However, declining interest rates, decreased non-interest income, and sluggish performance at Shinhan Capital pose potential headwinds.
3. Macroeconomic Impact
Increased volatility in exchange rates and declining interest rates could directly impact Shinhan’s performance. Closely monitor fluctuations in the USD/KRW exchange rate and interest rate trends.
4. Investor Action Plan
Key takeaways from the IR will be the performance of subsidiaries like Shinhan Capital and Shinhan Card, and management’s strategy for navigating macroeconomic uncertainty. Carefully analyze the IR presentation and consider Shinhan’s digital transformation strategy and ESG initiatives for a comprehensive, long-term investment approach.
Frequently Asked Questions
What are the key takeaways to watch for in Shinhan’s IR?
Focus on H1 2025 earnings (particularly Shinhan Capital and Shinhan Card’s performance), specifics of the shareholder return policy, and management’s strategy for addressing macroeconomic uncertainty.
What is the expected stock price movement after the IR?
Depending on the H1 earnings and management’s outlook, the stock price could move up or down. Positive announcements may drive the price up, while negative factors could lead to a decline.
How should I formulate my investment strategy?
Carefully analyze the IR presentation and evaluate Shinhan’s risk management capabilities regarding macroeconomic variables. Consider the company’s long-term digital transformation and ESG efforts for a comprehensive approach.