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- **Revenue Growth**: Q3 net income up 5.1% YoY, fee income at record high of KRW 563.7 billion Q3. Noninterest income growth 5.3% QoQ, supported by insurance acquisition contributions.

**【CFO Financial Commentary】**
- Q3 net income rose 5.1% Y-o-Y, driven by asset rebalancing and noninterest income growth of 4.6% YoY, with fee income at a record high of KRW 563.7 billion Q3. Noninterest income growth of 5.3% QoQ, supported by insurance acquisition contributions.

**【Q&A Highlights】**
- **Insurance Integration**: Group reviewing Tongyang Life and ABL Life integration options, with 22.5% QoQ growth in Bancassurance channel contributions.
- **Capital Management**: CET1 ratio improved to 12.92% QoQ, targeting 13% by 2026.
- **Risk Management**: Credit cost ratio 0.42%, with proactive provisioning for completion-guarantee projects resolved at KRW 98 billion Q3.

Woori Financial Group Inc. (WF) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

WF

WF fundamentals

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