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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.
Woori Financial Group Inc. is convening its annual general meeting of shareholders on March 23, 2026 for fiscal year 2025. Shareholders will be asked to approve the separate and consolidated financial statements for the year ended December 31, 2025, amendments to the Articles of Incorporation, and the maximum limit on directors’ compensation.
The agenda also includes reappointment of Chairman and CEO Jong Yong Yim as standing director, reappointment of independent director In Sub Yoon, and a new independent director appointment for Jung Hye Ryu. In addition, Yong Geon Jung is nominated as a new independent director who will serve as an audit committee member.
Woori Financial Group Inc. filed an amended report to update details of Woori Bank’s dividend resolution. The dividend per share is revised from KRW 1,638 to KRW 1,627, and the total dividend amount from KRW 1,172,808,000,000 to KRW 1,164,932,000,000.
The board resolution date for Woori Bank’s dividend decision is also updated from February 5, 2026 to February 27, 2026. The resolution relating to Woori Financial Group’s own dividend payments remains unchanged.
Woori Financial Group Inc. filed a Form 6-K noting it has disclosed its “2026 Corporate Value Enhancement Plan” on its website. The plan includes a performance review of the prior “2025 Corporate Value Enhancement Plan” and a 2026 action plan for enhancing corporate value.
Investors are directed to Woori Financial Group’s website for detailed information on past performance evaluation and the specific initiatives planned for 2026.
Woori Financial Group Inc. has approved the cancellation of 6,269,592 shares of its common stock as part of a treasury share retirement plan. The board of directors adopted this resolution on February 6, 2026, with all seven independent directors present and none absent.
The company lists an estimated amount of 200,000,000,000 KRW for the shares to be cancelled. Treasury shares for this cancellation are scheduled to be acquired between 2/10/2026 and 6/10/2026 using a method described as “miscellaneous.” Woori’s total issued common shares are stated as 734,076,320.
Woori Financial Group Inc. plans to acquire additional treasury shares through a trust agreement with EUGENE INVESTMENT & SECURITIES Co., Ltd. The board approved a total contract amount of KRW 200,000,000,000, with the contract period running from February 10, 2026 to June 10, 2026.
The stated goal is to enhance shareholder return and improve corporate value by buying back its own shares. As of February 6, 2026, Woori Financial held 53,945 treasury shares, representing 0.01% of its shares. The limitation on the acquisition amount of treasury shares, calculated under the Korean Commercial Code as of December 31, 2024, is KRW 6,773,605 million, indicating significant legal capacity for future repurchases beyond this specific contract.
Woori Financial Group Inc. released preliminary consolidated results for Q4 and full-year 2025 under Korean International Financial Reporting Standards. Group Q4 2025 net income was 358,624 million KRW, down 72.23% from 1,291,504 million KRW in Q3 and 21.02% below 454,071 million KRW a year earlier, even as quarterly revenue rose 31.29% year-on-year to 10,504,639 million KRW.
For 2025 as a whole, Woori Financial Group’s net income reached 3,244,427 million KRW, a 2.30% increase from 3,171,469 million KRW, with profit attributable to equity holders up 1.79% to 3,141,266 million KRW. Subsidiary Woori Bank showed a similar pattern: Q4 2025 net income fell 57.74% quarter-on-quarter to 311,074 million KRW, while full-year net income declined 14.70% to 2,599,018 million KRW. All figures are preliminary and unaudited.