Woori Financial Group Inc. filings document the disclosures of a foreign private issuer and Korean financial holding company with American Depositary Shares representing common stock. Its Form 20-F reports cover the group's business segments, financial results, risk factors, governance and capital structure.
Woori's Form 6-K current reports provide interim information on earnings releases, dividend resolutions, asset revaluations, shareholder record dates, subsidiary capital actions, share-exchange notices and other material corporate events. The filings also identify reporting under Form 20-F status and disclose matters affecting common shares and ADS holders.
Woori Financial Group Inc. has filed its Form 20-F annual report for the year ended December 31, 2025, prepared under IFRS and presented on a consolidated basis. The group had 734,022,375 shares of common stock outstanding and translates Won figures using a rate of ￦1,444.6 per US$1.00.
The report highlights significant credit concentration in small- and medium-sized enterprises (SMEs). SME loans were ￦135,154 billion, or 34.8% of total loans, at December 31, 2024 and ￦128,868 billion, or 32.1%, at December 31, 2025, with Won-denominated SME loans classified as substandard or below at ￦1,058 billion, or 0.8% of such loans. Charge-offs on Won SME loans rose to ￦762 billion in 2025 from ￦342 billion in 2024 and ￦330 billion in 2023, while the SME delinquency ratio increased to 0.8%.
Woori also reports exposure to Korea’s troubled construction and real estate development sectors, with loans of ￦7,117 billion and ￦6,126 billion, respectively, as of December 31, 2025. The top 20 corporate exposures total ￦86,913 billion, or 12.8% of total exposures, including large positions in Korea Development Bank and major chaebols. The group holds ￦578 billion of credit exposures to companies in workout or restructuring and ￦60 billion of direct exposure to Taeyoung Engineering & Construction Co., underscoring ongoing asset quality risks.
Woori Financial Group Inc. plans to hold its 2026 first quarter earnings release conference on Friday, April 24, 2026. The event will be available via live audio webcast on the company’s website, and related investor relations materials will also be posted there.
Participants can join by webcast or by phone using the provided Korea and overseas dial-in numbers and passcode 312285. The schedule is stated as being subject to change based on the company’s circumstances.
Woori Financial Group Inc. reports that it is reviewing a potential integration of Tongyang Life Insurance Co., Ltd. and ABL Life Insurance Co., Ltd., and the possible incorporation of Tongyang Life Insurance as a wholly-owned subsidiary. No definitive decisions have been made. The company plans to provide further disclosure when specific details are confirmed or within three months from the date of this report.
Woori Financial Group Inc. has determined that it qualifies as a “high dividend company” under Article 104-27 of Korea’s Act on Restriction on Special Cases Concerning Taxation, aligning with its 2026 Corporate Value Enhancement Plan. For 2025, the dividend payout ratio was 32.0%, with dividends totaling KRW 998,467,866,200, up from KRW 891,045,067,200 in 2024, a 12.1% dividend growth rate.
The company explains that this determination relies on guidance from the Korea Exchange and the Ministry of Finance and Economy and could change if authorities revise their interpretation. It also notes that, starting with its 2025 year-end dividends, it is paying non-taxable dividends sourced from capital reserves, which are not treated as dividend income for most shareholders under Korean income and corporate tax law. Large Korean resident shareholders may face limits based on the book value of their shares.
Woori Financial Group Inc. held its 2026 annual general meeting, where shareholders approved all agenda items, including the 2025 separate and consolidated financial statements, which received unqualified independent auditor opinions. Consolidated revenue was 41,734,102 million KRW and net income was 3,227,508 million KRW, with earnings per share of 4,052 KRW.
Shareholders approved a total dividend of 1,360 KRW per common share, comprising 760 KRW year-end and 600 KRW quarterly dividends, implying a 3.4% dividend yield and a total dividend amount of 998,467,866,200 KRW. Amendments to the Articles of Incorporation, director compensation limits, the reappointment of Chairman and CEO Jong Yong Yim, and the election of new independent directors, including an audit committee member, were also approved with high approval rates.
Woori Financial Group Inc. has acknowledged press reports about a potential integration of Tongyang Life Insurance Co., Ltd. and ABL Life Insurance Co., Ltd., and the possible incorporation of Tongyang Life as a wholly owned subsidiary. The group states it is reviewing these options to strengthen its competitiveness in the insurance sector, but emphasizes that no specific decisions have been made as of this report. It plans to provide further disclosure once details are confirmed or within one month from the report date.
Woori Financial Group reports steady 2025 results with consolidated net income of KRW 3,227,508 million, slightly higher than 2024. Total assets rose to KRW 601,457,286 million and total equity to KRW 37,859,248 million, with a group BIS capital adequacy ratio of 16.12%.
Profitability remained moderate, with ROA of 0.58% and ROE of 9.31% including non-controlling interests. Asset quality was generally sound: total loans reached KRW 399,970 billion and the non‑performing loan ratio was 0.54%, although substandard-and-below coverage declined from prior years.
The group continued to optimize its capital structure, canceling treasury shares in 2023–2025 while keeping paid‑in capital at KRW 3,802,676 million, reducing issued shares to 734,076,320 by year-end 2025. Cash dividends for 2025 totaled KRW 998,468 million, or KRW 1,360 per common share, implying a cash dividend payout ratio of 31.96% and a dividend yield of 4.4%.
The company outlined a multi-tier corporate value enhancement plan, targeting CET1 ratios from 12.5% to at least 13%, total shareholder return bands of roughly 30–50%, expanded buybacks and cancellations, and a goal of sustaining group ROE of at least 10% while increasing non‑bank profit contribution.
Woori Financial Group Inc. filed a Form 6-K presenting audited consolidated financial statements for 2025 under Korean IFRS. Total assets reached KRW 601,457,286 million, up from KRW 525,753,320 million, reflecting growth across loans, securities and newly consolidated insurance operations.
Net income was KRW 3,227,508 million, slightly higher than KRW 3,171,469 million in 2024, while operating income declined to KRW 3,674,808 million from KRW 4,255,190 million as credit-loss impairments and expenses increased. Basic and diluted earnings per share were KRW 4,052, up from KRW 3,950.
The auditor issued an unmodified opinion on the 2025 and 2024 consolidated financial statements and on internal control over financial reporting. The group also expanded through the July 2025 acquisition and consolidation of Tongyang Life Insurance and ABL Life Insurance, adding substantial insurance assets and liabilities. The financial statements are audited but still subject to shareholder approval and potential change.
Woori Financial Group Inc. furnished audited 2025 consolidated financial statements of its wholly owned subsidiary Woori Bank, prepared under K-IFRS, with an unqualified opinion from KPMG Samjong. The financial statements have not yet been approved by Woori Bank’s shareholders and remain subject to change.
Woori Bank reported total assets of 502,846,196 million Korean won and total liabilities of 473,158,744 million won as of December 31, 2025, with total equity of 29,687,452 million won. Deposits due to customers reached 372,337,805 million won.
For 2025, net income was 2,582,099 million won, down from 3,046,936 million won in 2024, while net interest income rose to 7,816,505 million won from 7,566,241 million won. Operating income declined to 3,520,742 million won from 4,069,308 million won, and basic and diluted earnings per share were 3,492 won versus 4,138 won a year earlier.
Net cash inflow from operating activities improved sharply to 12,898,713 million won compared with an outflow of 6,062,354 million won in 2024, while cash and cash equivalents increased to 37,235,090 million won at year-end 2025.
Woori Financial Group Inc. reported 2025 net profit attributable to controlling interests of KRW 3.124 trillion, reflecting stable performance despite economic uncertainty. The Group’s CET1 capital ratio reached 12.90% as of December 31, 2025, above its stated target and supporting future growth and shareholder returns.
The Board resolved total 2025 dividends of KRW 1,360 per share and executed KRW 150 billion of share buybacks and cancellations, bringing total shareholder return to about 40%. For 2026, Woori plans to raise dividends per share by at least 10% and expand buybacks.
The filing also convenes the Annual General Meeting on March 23, 2026, seeking approval of 2025 financial statements, amendments to the Articles of Incorporation, election of directors and an Audit Committee member, and the maximum limit on directors’ compensation. Key AOI changes embed expanded director duties, remote electronic participation at shareholder meetings, and require shareholder approval for appointing the Representative Director.