Our Financial Group Posts Net Income of 1.609 Trillion Won in H1; Non-Banking Subsidiaries' Contribution Rises to 22.3%

Our Financial Group reported a net income of 1.609 trillion won for the first half of the year, driven by increased fee income in the capital market sector and the inclusion of its insurance subsidiary. Non-banking subsidiaries contributed 22.3% to the group's earnings, up from 6.9% in the same period last year, with second-quarter net income surpassing 1 trillion won. The group's ROE reached 9%, rising to 10.3% excluding one-time costs. Non-interest income grew by 20% to 1.63 trillion won, led by expansion in trust, securities, and advisory fees. Second-quarter net interest margin remained at 1.51%, while operating expenses increased 6.2% year-over-year. Credit loss provisions rose 2.4% to 966 billion won, with a loan loss ratio of 0.48%.