Slides
Page 1
3Q 2026 Business Results
Page 2
As of end 3Q 2026, the CET1 ratio at 13.62%(+12bp QoQ), maintaining a stable capital level RWA declined by KRW 5.8tn(△1.6% QoQ) due to KRW appreciation and disciplined asset growth within the annual target range : Bank's loan balance increased by KRW 4.9tn(+1.4% QoQ), supported by market demand and productive financing initiatives 3Q26 net income was KRW 1.58tn, down12.9% QoQ, reflecting macro uncertainties and challenging capital market conditions Interest income +1.8% QoQ, Non-interest income △45.5% QoQ, CIR 37.6% (+0.3%p YoY), CCR 42 bps (△4 bps YoY) 3Q26 annualized ROE and ROTCE improved by +0.88%p and +0.89%p YoYeach, reaching 11.94% and 13.39% respectively BOD approved KRW 450bn share buyback (KRW 200bn in 2026; KRW 250bn in Jan-27) and KRW 740 quarterly DPS Continuing its annual buyback policy, share buyback in 2026 increased by KRW 1.6tn(+28.0% YoY). Targeting a higher 2026 year-end cash dividend, taking into account capital adequacy, earnings, and shareholder return ratio CET1 Ratio (Preliminary) 13.62% (+12bp QoQ) RWA 360Wtn (Δ1.6% QoQ) 3Q26 Net Income 1,584.6Wbn (Δ12.9% QoQ) 3Q26 ROE / ROTCE * 11.94% / 13.39% Quarterly DPS KRW 740 (Record Date : 3 Nov.) Share Buyback (FY26) 1,600Wbn [Annual DPS(e)] +14.3% YOY [AnnualBuyback(e)] +28.0% YOY Capital Adequacy & RWA Management Earning & Capital Returns Shareholders Return Policy 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix 693.3Wbn (0.9x PBR) ROE Target / CET1 Ratio Impact 20bp + α / △19bp Acquisition of Lotte Non-Life insurance to strengthen the group’s insurance portfolio and broaden its long-term earnings base Enhance Group ROE through the reallocation of existing capital without external capital raising Estimated CET1 ratio impact of approximately △19bp from the provisional 13.62% as of 3Q26 M&A 2 * Annualized basis / ROTCE : Return on Tangible Common Equity Lotte Non-life Insurance
Page 3
3 FY17 FY18 FY19 FY21FY20 FY22 FY24FY23 FY25 688 753 884 804 1,047 1,093 1,086 1,088 23.6% 23.9% 26.0% 26.0%27.9% 30.0% 36.0% 40.2% 700486300 150 1,246 1,250 (Wbn) 954 1,393 1,572 1,788 2,496 (KRW) FY22 FY23 FY24 FY25 3Q26YTD TSR * 1.3% 20.0% 24.1% 66.8% 41.4% DPS 2,065 2,100 2,160 2,590 2,220 (Dividend Yield)** 5.6% 6.0% 5.4% 5.4% 2.9% Stock Price Change Δ1,600 +4,950 +7,500 +29,250 +29,600 50.2% FY21 FY22 FY24FY23 FY25 3Q26 Δ7,815 (Δ1.5%) Δ13,507 (Δ2.6%) Δ13,893 (Δ2.7%) Δ21,702 (Δ4.4%) 534,075 526,261 512,753 498,860 477,157 88,548 96,401 104,769 112,364 121,468 128,705 +7,853 (+8.9%) +8,368 (+8.7%) +7,595 (+7.2%) +9,104 (+8.1%) +7,237 (+6.0%) Δ13,037 (Δ2.7%) Reference_ Shinhan Valuation Index 7,526 8,795 8,413 8,791 10,220 14,275 +1,269 (+16.9%) Δ381 (Δ4.3%) +378 (+4.5%) +1,429 (+16.3%) +4,055 (+39.7%) +1,210※ +219Δ561 +399 +458 3Q26YTD 1,040 1,600 2,640 464,120 * Ratios differ by type (1,000 Shares, KRW) ※ Net income increase effect within EPS changes : Calculated based on the average shares outstanding at year-end Circulating Shares and EPS / BPS* Circulating Shares Share Buyback EPS BPS Cash Dividend Share Buyback Shareholder Return Ratio Shareholder Return Trend [Note] Total Shareholder Return (TSR) *｛(Current period-end share price –Prior period-end share price) + Current Period Cash DPS｝/ Prior period-end share price ** Current-year Cash DPS/ Prior year-end stock price Approx. Approx. 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 4
Balance Sheet_ ① Capital 4 (Wbn) 2026.09 2025.12 2026.06YTD YTD % QoQ QoQ % RiskWeighted Assets 359,952.7 352,907.6 7,045 2.0% 365,710.1 Δ5,757.4 Δ1.6% Credit RWA 305,066.1 296,945.5 8,121 2.7% 310,050.7 Δ4,984.6 Δ1.6% Market RWA 17,539.2 19,642.7 Δ2,104 Δ10.7% 17,450.3 88.9 0.5% Operation RWA 37,347.4 36,319.4 1,028 2.8% 38,209.1 Δ861.7 Δ2.3% Total Equity 57,544.9 56,260.6 1,284.3 2.3% 57,871.3 Δ326.4 Δ0.6% Common Equity 49,031.2 47,115.3 1,915.8 4.1% 49,361.3 Δ330.1 Δ0.7% Tier 1 Capital 54,686.1 53,006.3 1,679.8 3.2% 54,643.3 42.8 0.1% CapitalAdequacy Ratio 15.99% 15.94% 0.04%p 15.82% 0.16%p CET1 Ratio 13.62% 13.35% 0.27%p 13.50% 0.12%p Tier 1 Capital Ratio 15.19% 15.02% 0.17%p 14.94% 0.25%p Group CET1 ratio for 3Q26 is preliminarily estimated at 13.62%, up to 12bp QoQ Credit RWA declined by KRW 5.0tn during 3Q on KRW appreciation and lower FX RWA, remaining within the target range Common equity capital declined by KRW 0.3tn during 3Q on quarterly cash dividends, share buybacks, lower OCI from KRW appreciation 2026.06 3Q26 Profit Shareholders Return (△24bp) 13.50 13.62 Δ0.15 550.5Wb Δ0.09 342.6Wbn +0.21 RWA Δ5.76Wtn +0.43 Net Income 1.58Wtn Δ0.28 2026.06 2026.09 365.7 360.0 Δ0.9+0.1 +6.9 Asset Growth, etc. KRW appreciation, Lower FX RWA Δ11.9 Operational risk exclusionapproval Portfolio Rebalance, etc. 2026.09 Δ1.02Wtn CET 1 Ratio Movement (%, %p) Increase Decrease Total RWA Movement (Wtn) Increase Decrease Total RWA Share Buybacks Quarterly Dividends OCI Changes, etc. Operation RWA Market RWA Credit RWA 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 5
5 * Total balance of financial assets at FVPL, FVOCI, and AC under the consolidated balance sheet ** FVPL(Fair value through profit or loss), FVOCI(Fair value through other comprehensive income), AC(Amortized cost) Balance Sheet_ ② Assets and Liabilities 215.1 157.7 159.0 162.1 165.9 23.6 23.8 25.2 24.9 202.3 203.9 209.6 214.4 164.3 25.4 25.320.9 21.1 22.4 23.6 2026.032025.03 2025.06 2025.09 2025.12 +5.0% 222.8 168.7 25.8 2026.09 2026.03 2026.092025.03 2025.06 2025.09 142.8 173.2174.6 203.7 154.2 2025.12 194.0 105.8 104.8105.4 104.8104.1105.4 28.3 (Wbn) 2026.09 2025.12 2026.06YTD YTD% QoQ QoQ % Group Total Assets 829,945.2 786,013.5 43,931.7 5.6% 840,894.3 Δ10,949.2 Δ1.3% Loans 478,440.2 466,189.1 12,251.1 2.6% 482,823.7 Δ4,383.5 Δ0.9% Loans in KRW (Shinhan Bank) 345,249.4 334,216.2 11,033.2 3.3% 340,339.8 4,909.6 1.4% Securities* 222,768.5 214,397.8 8,370.7 3.9% 225,895.0 Δ3,126.5 Δ1.4% FVPL** 81,093.5 76,597.3 4,496.2 5.9% 84,552.1 Δ3,458.6 Δ4.1% FVOCI** 105,591.9 103,216.9 2,374.9 2.3% 105,628.8 Δ36.9 0.0% AC** 33,685.0 31,944.4 1,740.6 5.4% 33,274.9 410.1 1.2% Cash andDue from banks 2,398.2 2,639.2 Δ241.0 Δ9.1% 2,439.3 Δ41.1 Δ1.7% Tangible & IntangibleAssets 57,509.8 39,783.5 17,726.4 44.6% 47,278.4 10,231.4 21.6% Others 9,436.3 10,046.3 Δ610.1 Δ6.1% 10,012.4 Δ576.1 Δ5.8% Group Total Assets 61,790.3 58,236.0 3,554.4 6.1% 74,884.8 Δ13,094.5 Δ17.5% (Wbn) 2026.09 2025.12 2026.06YTD YTD % QoQ QoQ % Group Total Liabilities 767,747.3 725,641.2 42,106.1 5.8% 778,374.6 Δ10,627.3 Δ1.4% Deposits 468,725.4 447,649.0 21,076.4 4.7% 475,494.1 Δ6,768.7 Δ1.4% Borrowings 62,480.7 55,394.8 7,085.8 12.8% 61,298.0 1,182.7 1.9% Debentures 93,886.6 92,991.4 895.2 1.0% 90,848.2 3,038.4 3.3% OtherLiabilities 142,654.6 129,605.9 13,048.7 10.1% 150,734.3 Δ8,079.7 Δ5.4% +0.3% 225.9 168.2 26.7 2026.06 2026.06 177.5 104.5 31.1 Δ1.4% (Wtn)Group Securities Portfolio Details Bonds Non-marketable Listed Stocks and Others Shinhan Bank Liquidity Coverage Ratio (%) All Currency LCR Foreign Currency LCR 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 6
Profit and Loss_ ① Income (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26YoY YoY % QoQ QoQ % Operating Income before Expenses 12,777.6 11,835.6 942.0 8.0% 3,981.0 4,584.3 Δ603.3 Δ13.2% Interest Income 9,349.3 8,666.4 682.9 7.9% 3,190.8 3,134.4 56.5 1.8% Non-interest Income 3,428.3 3,169.2 259.1 8.2% 790.2 1,449.9 Δ659.7 Δ45.5% SG&A Expenses 4,803.8 4,418.3 385.5 8.7% 1,587.7 1,670.7 Δ83.0 Δ5.0% Operating Income 7,973.9 7,417.4 556.5 7.5% 2,393.3 2,913.6 Δ520.2 Δ17.9% Non-operating Income 310.8 115.2 195.6 169.8% 204.2 39.7 164.5 414.4% Provision for Credit Losses 1,436.1 1,504.3 Δ68.1 Δ4.5% 486.3 437.3 49.0 11.2% Income Tax 1,743.0 1,481.8 261.2 17.6% 501.5 669.3 Δ167.9 Δ25.1% Consolidated Net Income 5,027.4 4,460.9 566.4 12.7% 1,584.6 1,820.1 Δ235.5 Δ12.9% Operating income before expenses declined △13.2% QoQ on weaker non-interest income amid market volatility Net income down △12.9% QoQ, on lower profit and higher credit costs, despite assets sale gains Group ROE +0.9%p YoY, remaining on track to achieve Value-Up target 6 3Q25 3Q26FY21 FY23 FY24 FY25 9.2 0.66 8.6 0.66 10.0 0.71 9.1 0.67 10.6 9.9 11.4 10.3 FY22 8.4 0.63 9.6 11.9 0.83 13.4 11.1 0.80 12.5 3Q25YTD 3Q26YTDFY21 12,692 FY22 12,868 FY23 14,247 FY24 14,647 FY25 15,439 4,019 4,666 4,368 4,450 4,972 11,836 4,461 12,778 5,027 +8.0% +12.7% * Annualized basis (Wbn) Operating Income before Expenses Net Income Operating Income before Expenses / Net Income (%, %p)Profitability Indicators* ROA ROE ROTCE 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 7
Profit and Loss_ ② Interest Income (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26YoY YoY % QoQ QoQ % Interest Revenue 21,968.5 20,937.8 1,030.7 4.9% 7,614.4 7,282.0 332.5 4.6% Loans 16,557.1 16,039.8 517.3 3.2% 5,688.0 5,545.3 142.7 2.6% Securities & Others 5,411.4 4,898.0 513.3 10.5% 1,926.4 1,736.7 189.7 10.9% Interest Expenses 12,619.2 12,271.5 347.7 2.8% 4,423.6 4,147.6 276.0 6.7% Deposits 7,234.4 6,954.4 280.1 4.0% 2,531.6 2,443.9 87.7 3.6% Debentures 3,613.6 3,654.5 Δ41.0 Δ1.1% 1,286.0 1,111.9 174.1 15.7% Others 1,771.2 1,662.6 108.7 6.5% 606.1 591.8 14.2 2.4% Interest Income 9,349.3 8,666.4 682.9 7.9% 3,190.8 3,134.4 56.5 1.8% (%) 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 NIS (Bank) 1.39 1.43 1.43 1.46 1.47 1.51 1.54 1.49 Interest-bearing asset yield 4.26 4.15 3.99 3.87 3.79 3.81 3.84 3.94 Liability funding cost 2.86 2.72 2.56 2.41 2.32 2.30 2.30 2.45 NIM (Group, for the quarter)* 1.86 1.90 1.89 1.90 1.91 1.93 1.93 1.91 NIM (Bank, for the quarter) 1.52 1.55 1.55 1.56 1.58 1.60 1.61 1.58 NIM (Group, YTD) * 1.93 1.90 1.90 1.90 1.90 1.93 1.93 1.93 NIM (Bank, YTD) 1.58 1.55 1.55 1.55 1.56 1.60 1.60 1.59 Group net interest income increased 1.8% QoQ, supported by asset repricing effects on loan and higher interest income from interest-bearing liabilities amid rising interest rates Bank NIM declined by △3bp QoQ, as funding costs increased at a faster pace than asset yields Bank KRW loans grew +1.4% QoQ, providing balanced funding to both retail and corporate sector 7 * Group NIM is based on the combined figures of SHB and SHC 2Q26 3Q26FY21 FY22 FY23 FY24 3,191 +1.8% 2Q26YTD 3Q26YTDFY22 FY23 FY24FY21 6,738 8,359 8,548 8,989 2,531 2,315 2,238 2,270 2,4149,053 10,597 10,818 11,402 603 3,134 2,587 604 FY25 FY25 9,333 2,362 11,694 135.5 150.7 160.7 180.7 135.6 130.6 129.7 139.5 271.1 281.4 290.3 320.2 187.8 146.4 334.2 +11.2% +6.6% +12.4% +3.9% Δ3.7% Δ0.7% +7.6% +5.0% 196.6 148.6 345.2 +3.8% +3.2% +10.3% +4.4% 193.1 147.2 340.3 +1.8% +1.0% +1.4% +2.8% +0.5% +1.8% Bank Non-bank (Wbn)Interest Income (Wtn)Loan Balance and Growth Rate in KRW Retail Corporate 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 8
Profit and Loss_ ③ Non-interest Income (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26YoY YoY % QoQ QoQ % Non-interest Income 3,428.3 3,169.2 259.1 8.2% 790.2 1,449.9 Δ659.7 Δ45.5% Fees & Commission 2,989.9 2,208.2 781.7 35.4% 860.1 1,188.9 Δ328.8 Δ27.7% Credit Card/ Lease Financing 699.5 628.6 70.9 11.3% 246.8 226.8 20.0 8.8% Brokerage Commissions 921.0 385.7 535.3 138.8% 205.0 403.9 Δ198.9 Δ49.2% Fund/Bancassurance /Trust Fees 577.7 341.0 236.6 69.4% 162.4 256.0 Δ93.6 Δ36.6% Investment Banking 163.1 257.4 Δ94.4 Δ36.7% 59.9 73.8 Δ13.8 Δ18.7% Others* 628.7 595.4 33.2 5.6% 185.9 228.4 Δ42.5 Δ18.6% Securities/ FX /Derivatives-related 1,498.5 1,720.7 Δ222.2 Δ12.9% 318.9 668.7 Δ349.8 Δ52.3% Insurance-related 570.2 779.2 Δ209.0 Δ26.8% 140.8 153.0 Δ12.2 Δ8.0% Other** Δ1,630.3 Δ1,538.9 Δ91.4 n.a. Δ529.6 Δ560.7 31.1 n.a. Non-interest income declined △45.5% QoQ, on weaker trading volumes and securities valuation losses from rising interest rates Fee income down △27.7% QoQ as weak performance across capital market-related businesses Insurance-related profit declined QoQ, due to higher loss from experience variance and the impact of changes in actuarial guidelines 8 * Including FX and electronic transaction fees ** Including contribution expenses and deposit insurance premium 2Q26 3Q26 2,383 FY21 FY22 FY23 FY24 790 Δ45.5% 2,675 2,414 2,647 2,715 1,159 1,449 521 1,820 1,686 3,638 2,271 3,430 3,272 860 319 Δ1,426 Δ1,710 Δ2,151 Δ2,112 Δ530 141 940 1,046 1,114 983 17.6 28.7 22.324.1 19.8 31.6 1,450 1,189 669 Δ561 153 FY25 2,921 1,913 3,744 Δ2,146 1,056 24.3 *** As a percentage of Operating Income before Expenses Fees & Commission Securities & FX/Derivatives-related Insurance-related Others Proportion of Non-interest Income*** (Wbn, %)Non-interest Income 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 9
Profit and Loss_ ④ SG&A Expenses and Credit Costs SG&A expenses declined △5.0% QoQ on seasonal tax effects and the absence of Securities performance bonus accruals Recurring credit costs increased QoQ on conservative and pre-emptive provisioning policy, while remaining in line with the prior-year level Credit cost ratio improved △4bp YoY, tracking within the annual target range 2Q26 3Q26FY21 FY22 FY23 FY24 Δ5.0% 2Q26 3Q26FY22 FY23 FY24 0.34 (0.20) 0.27 (0.22) 0.49 (0.36) FY21 0.57(0.38) 0.42 (0.40) 0.42 (0.40) 5,743 5,644 5,895 6,116 1,671 1,588 43.945.3 41.741.4 37.636.6 486 342 612 873443 561 884996 1,318 2,251 2,099 182 26 212 145 494 797 9 385 917 * Group CIR and CCR is calculated on a YTD basis (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26YoY YoY % QoQ QoQ % SG&A Expenses 4,803.8 4,418.3 385.5 8.7% 1,587.7 1,670.7 Δ83.0 Δ5.0% Salary & Employee Benefits 2,858.1 2,689.6 168.5 6.3% 922.4 978.6 Δ56.2 Δ5.7% D&A 632.7 631.0 1.7 0.3% 207.5 210.3 Δ2.8 Δ1.3% Other Expenses 1,312.9 1,097.6 215.3 19.6% 457.7 481.8 Δ24.1 Δ5.0% Cost to Income Ratio 37.6% 37.3% 0.3%p (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26YoY YoY % QoQ QoQ % Credit Costs 1,436.1 1,504.3 Δ68.2 Δ4.5% 486.3 437.3 49.0 11.2% Recurring Credit costs 1,372.0 1,362.8 9.2 0.7% 469.2 400.4 68.8 17.2% Additional Credit Costs 64.2 141.5 Δ77.3 Δ54.6% 17.1 36.8 Δ19.7 Δ53.5% Credit Cost Ratio 0.42% 0.46% Δ0.04%p 437 150 46 278 FY25 FY25 0.45 (0.39) 6,402 41.5 2,012 483 617 913 241 SG&A Expenses (Group) CIR (Group) (Wbn, %)SG&A / CIR * Group Credit Cost / Credit Cost Rate* (Wbn, %) Bank Card Others Nominal CCR (Recurring) 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 10
Group NPL coverage ratio decreased by 0.05%p QoQ, despite a slight decline in loan loss allowance, due to a reduction in NPLs :Substandard & below loans declined △1.9% QoQ on large bank’s NPL and credit rating upgrades Card delinquency rate rose +0.02%p QoQ but remained well controlled, yet ongoing monitoring is required 2024.12 2025.03 2025.06 2025.09 2025.12 2026.03 2026.06 2026.09 Delinquency Rate** (SHB) 0.27% 0.34% 0.32% 0.31% 0.28% 0.32% 0.34% 0.29% Retail Loans 0.25% 0.29% 0.27% 0.25% 0.24% 0.25% 0.25% 0.26% (Mortgages) 0.19% 0.22% 0.21% 0.20% 0.18% 0.18% 0.19% 0.21% SME 0.37% 0.49% 0.46% 0.45% 0.42% 0.46% 0.49% 0.42% Delinquency Rate*** (SHC) 1.51% 1.61% 1.50% 1.37% 1.18% 1.30% 1.21% 1.23% 3,6724,171 113.6 Δ110 3,623 2026.06 3,580 2026.09 +73 Δ6 +343,623 2026.06 3,580 2026.09 Δ81 +32 Δ27 10 2026.03 Note_ Asset Quality 3,432 3,316 4,356 4,115 3,205 4,038 124.1126.9 126.0 2025.122025.06 2025.09 3,623 4,186 115.5 2026.06 (Wbn) 2026.09 2025.12 2026.06YTD YTD % QoQ QoQ % Total Loans (Group)* 458,582.0 445,098.6 13,483.4 3.0% 458,153.8 428.2 0.1% Normal 450,824.4 438,124.4 12,700.0 2.9% 450,613.9 210.5 0.1% Precautionary 4,177.6 3,769.4 408.2 10.8% 3,917.1 260.5 6.7% Substandard & Below 3,580.1 3,204.8 375.3 11.7% 3,622.9 Δ42.8 Δ1.9% NPL Ratio 0.78% 0.72% 0.07%p 0.79% Δ0.02%p Loan Loss Allowance 4,134.3 4,037.5 96.8 2.4% 4,185.6 Δ51.3 Δ1.2% NPL Coverage Ratio 115.48% 125.98% Δ10.45%p 115.53% Δ0.05%p 3,580 4,134 115.5 2026.09 * Group Total Loans are sum of Shinhan Bank, Jeju Bank, Shinhan Card, Shinhan Securities, Shinhan Life Insurance, Shinhan Capital, Shinhan Savings Bank and Shinhan Asset Trust ** Principal and interest delinquency for 1 month and over *** Overdue assets for 1month and over (Wbn, %)NPL Coverage Ratio NPL Coverage Ratio Total Substandard & Below Loans Loan Loss Allowance Breakdown of NPL (By Asset Quality/By Subsidiary) (Wbn) Increase Decrease Total Substandard & Below Loans SHSSHB SHC OthersSub- standard Doubtful Estimated Loss 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 11
Note_ Loss Absorption Capacity and Write-off/Disposition Status (Wbn) FY25 1Q25 2Q25 3Q25 4Q25 FY26 1Q26 2Q26 3Q26 4Q26 Total Write-offs and Dispositions (Shinhan Bank + Shinhan Card) 3,261.6 552.9 844.6 753.0 1,111.1 2,040.7 517.7 848.5 674.5 SHB Write-offs & Dispositions 1,279.1 194.4 406.5 299.8 378.4 1,008.2 257.2 365.2 385.7 SHC Write-offs & Dispositions 1,982.5 358.5 438.1 453.2 732.7 1,032.5 260.5 483.2 288.8 (Wbn, %) 2024.06 2024.09 2024.12 2025.03 2025.06 2025.09 2025.12 2026.03 2026.06 2026.09 Group Total Loans 416,108.4 425,534.4 427,482.5 427,467.3 428,781.5 436,878.7 445,098.6 454,177.9 458,153.8 458,582.0 NPL Balance 2,850.2 3,014.7 3,048.3 3,462.3 3,431.9 3,316.1 3,204.8 3,672.4 3,622.9 3,580.1 NPL Ratio 0.68% 0.71% 0.71% 0.81% 0.80% 0.76% 0.72% 0.81% 0.79% 0.78% Loan Loss Allowance* 4,243.0 4,254.8 4,355.0 4,457.9 4,356.0 4,115.0 4,037.5 4,170.7 4,185.6 4,134.3 NPL Coverage Ratio 148.9% 141.1% 142.9% 128.8% 126.9% 124.1% 126.0% 113.6% 115.5% 115.5% Shinhan Bank Total Loans 350,741.6 361,253.9 363,195.6 363,771.8 364,203.8 372,996.6 380,593.2 389,171.1 391,363.5 391,756.8 NPL Balance 865.3 960.5 861.7 1,127.7 1,195.6 1,116.9 1,057.2 1,154.0 1,229.3 1,148.0 NPL Ratio 0.25% 0.27% 0.24% 0.31% 0.33% 0.30% 0.28% 0.30% 0.31% 0.29% Loan Loss Allowance* 1,785.1 1,828.5 1,738.5 1,796.7 1,819.9 1,836.0 1,830.0 1,871.0 1,885.6 1,865.6 NPL Coverage Ratio 206.3% 190.4% 201.7% 159.3% 152.2% 164.4% 173.1% 162.1% 153.4% 162.5% * Excluding Allowance for Loan losses 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix 11
Page 12
Profit and Loss_ ⑤ Net Income by Subsidiaries (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26YoY YoY % QoQ QoQ % Bank 3,698.0 3,368.3 329.7 9.8% 1,230.5 1,306.1 Δ75.6 Δ5.8% Shinhan Bank 3,683.7 3,356.1 327.7 9.8% 1,225.2 1,301.4 Δ76.2 Δ5.9% Jeju Bank 14.3 12.3 2.0 16.3% 5.3 4.8 0.5 11.4% Capital Markets 739.2 408.3 331.0 81.1% 86.5 329.6 Δ243.1 Δ73.8% Shinhan Securities 642.9 359.4 283.6 78.9% 65.3 289.3 Δ224.0 Δ77.4% Shinhan Asset Management 66.6 36.5 30.1 82.6% 13.0 35.3 Δ22.2 Δ63.1% Consumer Finance 603.6 472.4 131.2 27.8% 255.5 170.9 84.6 49.5% Shinhan Card 485.8 380.4 105.4 27.7% 232.4 138.0 94.4 68.4% Shinhan Capital 117.8 92.0 25.9 28.1% 23.1 32.9 Δ9.8 Δ29.7% Insurance 391.0 487.3 Δ96.3 Δ19.8% 118.5 179.0 Δ60.5 Δ33.8% Shinhan Life 419.4 514.5 Δ95.1 Δ18.5% 128.8 187.5 Δ58.7 Δ31.3% Others 69.2 48.2 21.0 43.7% 14.8 37.4 Δ22.7 Δ60.6% Bank NI remained resilient(△5.9% QoQ), supported by solid net interest income despite weaker product sales and securities-related gains Capital markets affiliates recorded weaker QoQ earnings amid subdued market condition, while remaining solid YoY. Life NI declined △31.3% QoQ on higher assumption losses and securities valuation losses * Net Profit before reflecting ownership 39.042.4 24.1 35.0 27.9 35.4 292.2 (3Q25) 44.1 43.4 82.2 2Q26 3Q26FY21 FY22 FY23 FY24 2,513 3,068 3,073 3,706 388 461 169 264 1,231 511 119 256 950 945 925 689 6.1 29.3 41.3 FY25 3,789 459 585 82.4 41.6 6.4 15.1 15.7 11.7 21.7 7.1 9.3 15.6 12.6 9.5 12.8 309.5 (3Q26) 399 118 96 Δ288 52 15175 440 465 475 871,306 179 171 37 330 Bank Capital Markets Consumer Finance Insurance Others Non-bank weight (Wbn,%)Net Income by Business Unit** RWA*** & ROC by Business Unit (Wtn,%) Bank Capital Markets Consumer Finance Insurance Others ROC Bank Capital Market Consumer Finance Insurance Others **Banking: ShinhanBank+JejuBank, CapitalMarket: ShinhanSecurities+ShinhanAsset Mangement+ShinhanVentures+ShinhanFund Partners, Consumer Finance: ShinhanCard+ShinhanCapital, Insurance: ShinhanLife+EZGenernalInsurance, Others: Other affiliates ***Averagebalance during the period 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix 12
Page 13
Profit and Loss_ ⑥ Overseas Business Net Income (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26YoY YoY % QoQ QoQ % Overseas Total NI 698.3 650.3 47.9 7.4% 225.8 250.7 Δ24.9 Δ9.9% Japan 143.8 137.0 6.8 4.9% 50.7 50.8 Δ0.1 Δ0.2% Vietnam 192.4 201.5 Δ9.1 Δ4.5% 62.3 72.0 Δ9.7 Δ13.4% Others 362.0 311.8 50.3 16.1% 112.8 127.9 Δ15.1 Δ11.8% Bank MMC* 160.8 118.7 42.1 35.5% 51.1 51.2 Δ0.1 Δ0.1% Others 201.2 193.1 8.2 4.2% 61.7 76.7 Δ15.0 Δ19.6% Overseas Total NI Contribution 13.9% 14.6% Δ0.7%p Overseas business declined △9.9% QoQ on KRW appreciation, with solid underlying profitability SBJ maintained growth on strong real estate market and higher policy rates despite KRW appreciation, while MMC continued to expand its IB business Funding & credit costs rose in some markets amid higher global rates, but remained manageable 2Q26 3Q26FY21 FY22 FY23 FY24 137 215 231 27481 117 127 149 62 51 226 395 565 550 76312.1 9.8 17.1 12.6 14.313.8 72 51 251 FY25 272 179 824 16.6 (Wbn) 2026.09 2025.12 2026.06YTD YTD % QoQ QoQ % Overseas Total Asset 80,357.9 80,121.1 236.8 0.3% 91,565.6 Δ11,207.7 Δ12.2% Overseas Total Asset Contribution 9.7% 10.2% 0.7%p 10.9% 0.4%p * Bank Money Market Center : Sum of Hong Kong, London, New York, Singapore Branches 13 2Q26 3Q26FY21 FY22 FY23 FY24 12.6 11.4 12.3 13.7 15.4 14.2 17.5 80.4 48.6 55.2 55.0 67.1 8.37.5 8.0 9.710.9 15.9 19.1 91.6 FY25 14.3 17.0 80.1 10.2 8.8 10.9 10.3 9.1 ** Relative to Group Consolidated Net Income *** Relative to Group Consolidated Total Asset Vietnam Japan Overseas Total Contribution from Overseas Business** Overseas Business (Wbn,%) Total Assets from Overseas Business (Wtn, %) Vietnam Japan Overseas Total Contribution from Overseas Business*** 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 14
Digital / SDGs_ ① Digital, Digital to Value 14 Super SOL Performance Highlights 1,866 2,130 961 1401,193 42 42257 84 154 323 299 2,138 2,098 2,261 2,395 FY23 FY24 3Q25 3Q26 2,6942,584 2,2522,222 432 481 522 3Q24 3Q25 3Q26 New MAU SOL LINK •Expanded cross-affiliate offerings, including SOL Link check card and auto-investment of reward points •Enhanced customer convenience through integrated financial services and simplified onboarding and transaction processed 3x increase in daily sign-ups 11.93mn 660k accounts 4k('26.05)→11k post-launch +1.28mn vs. launch +560k vs. 2Q new securities accounts •Gross MAU reached 26.9mn - MAU reached 11.93mn, supported by 1.82mn new Super SOL sign-ups & continued customer growth 1,689 1,749 2,271 3Q24 3Q25 3Q26 Financial Platforms Non-Financial Platforms SFG Gross MAU 1 (10K persons) SOL Pay SOL SecuritiesSOL Life • Key Financial Platforms MAU Super SOL (10k persons) Ddangyo Hey Young [Financial] [Non-Financial] Digital Operating Profit before Expenses 2 Strategic Cost Efficienty3 Financial Contribution (Wbn) 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix 1,2,3) Refer to 29p
Page 15
Digital / SDGs_ ② SDGs Initiatives 15 Sustainable FinanceGreenhouse Gas (Operational Emissions) Financed Emissions(1MtCO2eq) Emission Intensity(tCO2eq/Wbn) 2020 2021 2022 2023 2024 5.4 8.2 13.3 18.6 5.1 2030(Target) 30.0 2025 7.5 26.2 106.3% 2.8 3.4 2.0 Operational Emissions Reduction & Advancing Low-Carbon Operation Framework Employee-led GHG emissions management (Green Index System) Continued expansion of renewable electricity use (RECs, Green Premium) Operate organization-specific emissions reduction targets and implementation monitoring framework (Zero Carbon Drive) Data center energy efficiency improvements (PUE management, immersion cooling, high-efficiency LED lighting, etc.) Promote zero emission vehicle transition Strengthening Financed Emissions Management for Climate Risk Mitigation Operate financed emissions simulation-based climate risk assessment Conduct regular monitoring via financed emissions dashboard Set SBTi-aligned financed emissions reduction targets linked to Group and subsidiary evaluations Continued expansion of green & transition finance to mitigate climate risks Accelerate low-carbon transition through coal exit and Equator Principles adoption 5.4 ‘26.3Q 5.8 31.9 82.2 2020 2021 2022 2023 2024 2030(Target) 69.8 67.5 78.0 ‘26.8 64.267.5 2025 56.2 60.0 101.2 100.196.8 2020 2021 2022 2023 43.8 46.7 50.9 50.1 2024 2030(Target) 29.1 ‘26.8 47.551.3 2.06 2.05 2.08 2.00 1.86 1.37 1.62 2025 50.7 1.64 Greenhouse Gas (Financed Emissions) EmissionsOperational Emissions(Scope 1+2) (thousand tCO2eq) Sustainable Finance (new) Sustainable Finance (cumulative) Group Green Finance Achievements in 3Q26: KRW 5.8tn Achieved 106.3% of the cumulative 2030 target of KRW 30tn (KRW 31.9tn) Green loans: KRW 3.8 tn; Green investments: KRW 2.0 tn - Shinhan Bank : Green PF of KRW 2.3tn, taxonomy-aligned loans of KRW 0.6tn, and eco-friendly loans by Shinhan Card/Capital of KRW 0.3tn - Investment of KRW 0.6tn in green bonds by Shinhan Bank, Shinhan Securities, and Shinhan Capital, and KRW 0.9tn in renewable energy by Shinhan Securities and Shinhan Asset Management 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix Financed Emissions(Scope3) (Wtn)
Page 16
Appendix
Page 17
Appendix_ ① Financial Highlights by Subsidiaries 17 (Wbn) Ownership Total Assets Shareholder’s Equity Net Income* ROA ROE Bank (a) 647,370.5 40,095.4 3,698.0 Shinhan Bank 100.0% 638,382.0 39,399.9 3,683.7 0.78% 12.71% Jeju bank 64.0% 8,988.5 695.5 14.3 0.21% 2.81% Capital Market (b) 58,466.1 6,561.6 739.2 Shinhan Securities 100.0% 57,691.6 6,052.6 642.9 1.38% 14.45% Shinhan Asset Management 100.0% 448.6 309.5 66.6 19.80% 30.95% Shinhan Venture Investment 100.0% 192.3 91.1 2.1 5.06% 2.50% Shinhan Fund Partners 99.8% 133.6 108.4 27.6 25.15% 20.25% Consumer Finance (c) 56,103.8 10,984.0 603.6 Shinhan Card 100.0% 42,999.2 8,764.1 485.8 1.57% 7.57% Shinhan Capital 100.0% 13,104.5 2,219.8 117.8 1.25% 6.80% Insurance (d) 57,050.9 7,027.9 391.0 Shinhan Life Insurance 100.0% 56,739.2 6,885.8 419.4 0.96% 8.36% Shinhan EZ General Insurance 91.7% 311.8 142.1 Δ28.4 Δ15.45% Δ7.09% Others (e) 5,036.0 981.7 69.2 Shinhan Savings Bank 100.0% 3,773.0 385.7 21.3 0.83% 7.50% Shinhan REITs Management 100.0% 116.6 79.9 5.3 4.94% 4.53% Shinhan Asset Trust 100.0% 1,010.7 440.2 31.3 4.15% 10.34% Shinhan DS 100.0% 135.7 76.0 11.3 14.64% 7.72% Subsidiary Total (a+b+c+d+e) 824,027.4 65,650.7 5,501.0 Total (Consolidated) 829,945.2 62,197.9 5,027.4 0.83% 11.94% * Net Profit before reflecting ownership 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 18
Appendix_ ② SFG Subsidiaries Asset 18 (Wbn) 2026.09 2025.12 2026.06 2026.09 Weight %YTD YTD % QoQ QoQ % Bank 647,370.5 604,987.2 42,383.3 7.0% 640,291.3 7,079.3 1.1% 78.0% Shinhan Bank 638,382.0 596,967.3 41,414.7 6.9% 631,347.4 7,034.6 1.1% 76.9% Jeju bank 8,988.5 8,019.9 968.6 12.1% 8,943.8 44.7 0.5% 1.1% Capital Market 58,466.1 54,764.8 3,701.3 6.8% 72,915.8 Δ14,449.7 Δ19.8% 7.0% Shinhan Securities 57,691.6 54,077.8 3,613.8 6.7% 72,169.0 Δ14,477.4 Δ20.1% 7.0% Shinhan Asset Management 448.6 381.3 67.3 17.7% 435.5 13.1 3.0% 0.1% Shinhan Venture Investment 192.3 192.7 Δ0.4 Δ0.2% 189.2 3.1 1.6% 0.0% Shinhan Fund Partners 133.6 112.9 20.6 18.3% 122.0 11.6 9.5% 0.0% Consumer Finance 56,103.8 55,669.2 434.6 0.8% 56,893.6 Δ789.8 Δ1.4% 6.8% Shinhan Card 42,999.2 43,186.7 Δ187.5 Δ0.4% 44,144.0 Δ1,144.8 Δ2.6% 5.2% Shinhan Capital 13,104.5 12,482.5 622.0 5.0% 12,749.6 355.0 2.8% 1.6% Insurance 57,050.9 60,022.6 Δ2,971.6 Δ5.0% 59,729.2 Δ2,678.3 Δ4.5% 6.9% Shinhan Life Insurance 56,739.2 59,661.5 Δ2,922.3 Δ4.9% 59,389.1 Δ2,649.9 Δ4.5% 6.8% Shinhan EZ General Insurance 311.8 361.1 Δ49.3 Δ13.7% 340.1 Δ28.4 Δ8.3% 0.0% Others 5,036.0 4,079.1 957.0 23.5% 4,859.2 176.8 3.6% 0.6% Shinhan Savings Bank 3,773.0 2,982.8 790.2 26.5% 3,609.0 164.0 4.5% 0.5% Shinhan REITs Management 116.6 83.5 33.1 39.6% 85.8 30.8 35.8% 0.0% Shinhan Asset Trust 1,010.7 881.5 129.2 14.7% 1,024.9 Δ14.2 Δ1.4% 0.1% Shinhan DS 135.7 131.3 4.5 3.4% 139.5 Δ3.8 Δ2.7% 0.0% 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 19
Appendix_ ③ Shinhan Bank Income 19 (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26 3Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Income 8,224.9 7,708.1 516.8 6.7% 2,762.6 2,858.3 Δ95.7 Δ3.3% 2,569.7 192.9 7.5% Interest Income 7,430.3 6,774.4 655.9 9.7% 2,541.5 2,485.3 56.2 2.3% 2,309.2 232.3 10.1% Non-interest Income 794.6 933.6 Δ139.1 Δ14.9% 221.1 372.9 Δ151.9 Δ40.7% 260.4 Δ39.4 Δ15.1% SG&A Expenses 2,948.1 2,797.9 150.2 5.4% 988.9 1,015.6 Δ26.7 Δ2.6% 938.3 50.7 5.4% Non-operating Income 106.2 20.2 86.0 426.7% 38.0 36.2 1.8 4.9% Δ6.3 44.3 n.a. Provision for Credit Losses 526.5 512.6 13.9 2.7% 182.0 149.6 32.4 21.7% 165.4 16.6 10.0% Income Tax 1,171.6 1,061.1 110.6 10.4% 404.0 427.7 Δ23.7 Δ5.5% 370.4 33.7 9.1% Net Profit* 3,683.7 3,356.1 327.7 9.8% 1,225.2 1,301.4 Δ76.2 Δ5.9% 1,089.2 136.0 12.5% * Net income in controlling interest ** Including contribution expenses and deposit insurance premium Non-interest Income Details Fee & Commission 1,090.2 948.0 142.2 15.0% 339.8 426.9 Δ87.1 Δ20.4% 351.9 Δ12.1 Δ3.4% Fund/Bancassurance/Trust 467.3 269.1 198.2 73.7% 132.4 199.1 Δ66.7 Δ33.5% 98.9 33.5 33.9% Investment Banking 120.7 211.3 Δ90.6 Δ42.9% 44.5 56.6 Δ12.1 Δ21.3% 95.5 Δ51.0 Δ53.4% Others 502.2 467.6 34.5 7.4% 162.9 171.1 Δ8.2 Δ4.8% 157.5 5.4 3.4% Securities/FX/Derivatives 917.2 1,101.2 Δ184.0 Δ16.7% 329.1 352.2 Δ23.1 Δ6.6% 265.7 63.4 23.8% Others** Δ1,212.8 Δ1,115.6 Δ97.3 n.a. Δ447.8 Δ406.1 Δ41.7 n.a. Δ357.1 Δ90.7 n.a. SG&A Expenses Details Salary & Employee Benefits 1,679.8 1,652.3 27.5 1.7% 556.4 563.7 Δ7.3 Δ1.3% 551.4 5.0 0.9% D&A 411.4 419.1 Δ7.7 Δ1.8% 133.0 134.8 Δ1.7 Δ1.3% 138.9 Δ5.8 Δ4.2% Other Expenses 856.9 726.5 130.4 17.9% 299.4 317.1 Δ17.7 Δ5.6% 248.0 51.4 20.7% 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 20
Appendix_ ④ Shinhan Card Income 20 (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26 3Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Revenue 4,914.0 4,554.5 359.5 7.9% 1,628.3 1,579.6 48.7 3.1% 1,318.8 309.6 23.5% Card Business 2,575.1 2,434.5 140.6 5.8% 883.5 856.9 26.7 3.1% 799.5 84.0 10.5% Installment Finance 211.5 207.7 3.8 1.8% 71.1 70.0 1.2 1.7% 70.6 0.5 0.7% Lease 532.0 575.9 Δ43.9 Δ7.6% 175.4 173.9 1.5 0.9% 190.0 Δ14.6 Δ7.7% Others 1,595.4 1,336.4 258.9 19.4% 498.3 478.9 19.4 4.1% 258.6 239.7 92.7% Interest Expense 851.2 834.9 16.3 2.0% 292.0 283.8 8.2 2.9% 281.7 10.3 3.7% SG&A Expenses 651.8 635.8 16.0 2.5% 223.5 206.8 16.7 8.1% 240.7 Δ17.3 Δ7.2% Commissions & Other Expenses 2,037.6 1,916.6 121.1 6.3% 546.6 671.9 Δ125.3 Δ18.7% 459.3 87.3 19.0% Provision for credit losses 736.6 669.8 66.9 10.0% 264.5 234.7 29.8 12.7% 160.1 104.5 65.3% Income Tax 149.2 114.1 35.1 30.8% 70.0 43.2 26.7 61.8% 42.9 27.1 63.2% Net Income* 485.8 380.4 105.4 27.7% 232.4 138.0 94.4 68.4% 133.8 98.6 73.7% * Net income in controlling interest 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 21
Appendix_ ⑤ Shinhan Securities Income 21 (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26 3Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Revenue 1,841.9 1,270.7 571.2 45.0% 367.8 772.6 Δ404.8 Δ52.4% 434.7 Δ66.9 Δ15.4% Fee & Commission 1,214.0 637.9 576.1 90.3% 278.7 527.9 Δ249.3 Δ47.2% 245.9 32.7 13.3% Brokerage fees 880.9 375.8 505.1 134.4% 203.0 384.4 Δ181.4 Δ47.2% 169.4 33.6 19.8% Financial Product fees 112.2 52.3 59.8 114.4% 26.5 57.4 Δ30.9 Δ53.9% 19.3 7.2 37.4% Investment Banking 98.1 139.9 Δ41.7 Δ29.8% 24.8 30.8 Δ6.0 Δ19.6% 41.8 Δ17.1 Δ40.8% Others 122.8 69.9 52.8 75.6% 24.4 55.3 Δ30.9 Δ55.9% 15.4 9.0 58.5% Proprietary Trading 178.8 207.3 Δ28.5 Δ13.7% Δ56.5 73.0 Δ129.6 n.a. 56.7 Δ113.2 n.a. Others 449.0 425.4 23.6 5.5% 145.7 171.6 Δ25.9 Δ15.1% 132.0 13.6 10.3% Operating Expenses 1,010.1 808.0 202.1 25.0% 284.4 410.6 Δ126.2 Δ30.7% 290.5 Δ6.1 Δ2.1% SG&A Expenses 784.6 601.2 183.5 30.5% 236.9 303.0 Δ66.0 Δ21.8% 209.3 27.6 13.2% Commission Expenses 241.3 132.4 108.9 82.3% 74.6 96.3 Δ21.7 Δ22.5% 53.2 21.4 40.3% Provisioning for Credit Losses Δ15.8 74.5 Δ90.3 n.a. Δ27.1 11.4 Δ38.5 n.a. 28.1 Δ55.2 n.a. Operating Income 831.7 462.6 369.1 79.8% 83.4 362.0 Δ278.6 Δ77.0% 144.1 Δ60.8 Δ42.2% Non-Operating Income 46.9 16.9 30.1 178.1% 3.9 44.1 Δ40.1 Δ91.1% Δ11.1 15.1 n.a. Net Income 642.9 359.4 283.6 78.9% 65.3 289.3 Δ224.0 Δ77.4% 100.5 Δ35.2 Δ35.0% 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 22
Appendix_ ⑥ Shinhan Life Insurance Income 22 (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26 3Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % APE* 1,149.2 1,239.9 Δ90.6 Δ7.3% 426.3 366.5 59.8 16.3 552.8 Δ126.5 Δ22.9% Protection 928.3 1,128.8 Δ200.5 Δ17.8% 344.8 285.6 59.2 20.7 503.2 Δ158.4 Δ31.5% Savings, Annuities 220.9 111.0 109.9 99.0% 81.5 80.9 0.6 0.7 49.6 31.9 64.3% Net Income 419.4 514.5 Δ95.1 Δ18.5 128.8 187.5 Δ58.7 Δ31.3 170.2 Δ41.4 Δ24.3% * Contractual Service Margin ** K-ICS is a preliminary estimate * Annual Premium Equivalent ** Based on annualized figures (Wbn) 2026.09 2025.12 2026.06 YTD YTD % QoQ QoQ % Total Assets 56,739.2 59,661.5 Δ2,922.3 Δ4.9% 59,389.1 Δ2,649.9 Δ4.5% General Account Assets 47,751.8 52,068.6 Δ4,316.8 Δ8.3% 49,440.9 Δ1,689.1 Δ3.4% Separate Account Assets 8,987.4 7,592.9 1,394.5 18.4% 9,948.2 Δ960.8 Δ9.7% Liabilities 49,853.3 53,455.1 Δ3,601.8 Δ6.7% 52,155.7 Δ2,302.4 Δ4.4% Contractual Service Margin(CSM)* 8,042.3 7,554.9 487.4 6.5% 7,914.7 127.6 1.6% Equity 6,885.8 6,206.4 679.4 10.9% 7,233.3 Δ347.5 Δ4.8% K-ICS Ratio** 204.6% 206.0% Δ1.4%p 210.4% Δ5.8%p 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 23
Appendix_ ⑦ Shinhan Capital Income 23 (Wbn) 3Q26 YTD 3Q25 YTD 3Q26 2Q26 3Q25 YoY YoY % QoQ QoQ % Q/Q Q/Q % Operating Income before Expenses 270.8 301.8 Δ31.0 Δ10.3% 65.3 67.2 Δ1.9 Δ2.8% 102.7 Δ37.4 Δ36.4% Interest Income 345.6 352.0 Δ6.3 Δ1.8% 120.2 112.9 7.3 6.5% 117.3 2.9 2.5% Non-interest Income 547.8 475.1 72.7 15.3% 81.8 160.7 Δ78.9 Δ49.1% 102.8 Δ20.9 Δ20.4% Securities 425.1 402.6 22.6 5.6% 84.1 122.2 Δ38.1 Δ31.2% 109.2 Δ25.2 Δ23.0% Others 122.7 72.5 50.1 69.2% Δ2.3 38.5 Δ40.8 n.a. Δ6.5 4.2 n.a. Interest Expense 268.6 275.1 Δ6.5 Δ2.4% 96.7 87.7 9.0 10.2% 89.8 6.8 7.6% Non-interest Expense 354.0 250.1 103.9 41.5% 40.1 118.7 Δ78.7 Δ66.3% 27.5 12.6 45.9% Securities 262.6 197.7 64.9 32.8% 54.8 92.9 Δ38.1 Δ41.0% 38.6 16.2 42.0% Others 91.4 52.4 39.0 74.4% Δ14.8 25.8 Δ40.6 n.a. Δ11.1 Δ3.6 n.a. SG&A Expenses 49.9 48.1 1.8 3.6% 17.2 18.0 Δ0.8 Δ4.4% 16.6 0.7 4.0% Operating Income 221.0 253.7 Δ32.8 Δ12.9% 48.1 49.2 Δ1.1 Δ2.2% 86.1 Δ38.1 Δ44.2% Non-operating Income Δ1.6 Δ1.2 Δ0.4 n.a. Δ0.1 Δ1.6 1.5 n.a. Δ0.1 0.0 n.a. Provision for Credit Losses 69.8 135.7 Δ65.9 Δ48.6% 14.5 5.9 8.5 143.6% 49.4 Δ34.9 Δ70.7% Net Income 117.8 92.0 25.9 28.1% 23.1 32.9 Δ9.8 Δ29.7% 28.0 Δ4.9 Δ17.5% 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 24
Appendix_ ⑧ Shinhan Bank Loans & Deposits 24 (Wbn) 2026.09 2025.12 2026.06 2026.09 Weight %YTD YTD % QoQ QoQ % Loans in KRW 345,249.4 334,216.2 11,033.2 3.3% 340,339.8 4,909.6 1.4% 100.0% Retail 148,641.2 146,410.6 2,230.5 1.5% 147,206.3 1,434.9 1.0% 43.1% Mortgage 75,913.2 74,187.5 1,725.7 2.3% 74,465.0 1,448.2 1.9% 22.0% Others* 72,728.0 72,223.2 504.8 0.7% 72,741.3 Δ13.3 Δ0.0% 21.1% Corporate 196,608.2 187,805.6 8,802.7 4.7% 193,133.5 3,474.7 1.8% 56.9% SME 148,645.7 145,098.1 3,547.6 2.4% 147,659.7 986.0 0.7% 43.1% (SOHO) 71,267.2 71,098.0 169.2 0.2% 71,486.4 Δ219.2 Δ0.3% 20.6% Large Corporate, etc. 47,947.6 42,696.7 5,250.9 12.3% 45,513.6 2,434.0 5.3% 13.9% Loans in FX 20,013.7 18,636.7 1,377.1 7.4% 22,643.7 Δ2,630.0 Δ11.6% Total Deposits 353,049.9 339,093.0 13,956.9 4.1% 354,903.5 Δ1,853.6 Δ0.5% 100.0% Low cost Deposits 144,601.6 145,268.9 Δ667.3 Δ0.5% 153,968.6 Δ9,367.0 Δ6.1% 41.0% Time Savings 208,448.3 193,824.0 14,624.2 7.5% 200,934.9 7,513.4 3.7% 59.0% Time Deposits 198,699.3 183,319.7 15,379.6 8.4% 190,633.7 8,065.6 4.2% 56.3% Accumulative, etc. 9,748.9 10,504.3 Δ755.4 Δ7.2% 10,301.2 Δ552.2 Δ5.4% 2.8% Certificate of Deposits 14,266.9 15,076.3 Δ809.4 Δ5.4% 17,828.2 Δ3,561.3 Δ20.0% Debentures in KRW 31,102.6 30,822.8 279.8 0.9% 27,005.2 4,097.4 13.3% Loan to Deposit Ratio** 94.4% 96.0% Δ1.6% 92.2% 2.2% * Includes Jeonse loans, Secured and Unsecured loans, and etc. ** Based on monthly average balance, excluding CD 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 25
Appendix_ ⑨ Shinhan Bank Loans (Retail & Large Corporates) 25 (Wbn) 2026.09 Weight % 2025.12 2026.06 Delinquency Rate YTD YTD % QoQ QoQ % 2025.06 2025.09 2025.12 2026.03 2026.06 2026.09 Mortgage Loans 75,900.9 51.1% 74,187.5 1,713.5 2.3% 74,465.0 1,435.9 1.9% 0.21% 0.20% 0.18% 0.18% 0.19% 0.21% Personal Loans 72,740.3 48.9% 72,223.2 517.1 0.7% 72,741.3 Δ1.1 Δ0.0% 0.29% 0.25% 0.26% 0.28% 0.28% 0.27% High credit unsecured 14,813.6 10.0% 15,066.0 Δ252.5 Δ1.7% 15,110.1 Δ296.6 Δ2.0% Secured(Deposits, etc.) 5,296.4 3.6% 5,332.9 Δ36.5 Δ0.7% 5,296.1 0.3 0.0% Jeonse Loans 29,145.2 19.6% 31,016.6 Δ1,871.4 Δ6.0% 29,684.2 Δ538.9 Δ1.8% Others* 23,485.1 15.8% 20,807.7 2,677.4 12.9% 22,651.0 834.1 3.7% Retail Loan Total 148,641.2 100.0% 146,410.6 2,230.5 1.5% 147,206.3 1,434.9 1.0% 0.27% 0.25% 0.24% 0.25% 0.25% 0.26% Mortgage loan LTV (%) 50.2% 51.2% Δ0.9%p 50.7% Δ0.4% Note) Proportion of collateralized loan as end of September 2026 is 81% (Real estate 54%, Guarantee 27%, Others 1%), unsecured loan 19% * Group loans, unsecured loans, etc. (Wbn) 2026.09 Weight % 2025.12 2026.06 Delinquency Rate YTD YTD % QoQ QoQ % 2025.09 2025.12 2026.03 2026.06 2026.09 Large Corporate Loans** 42,989.1 100.0% 37,470.9 5,518.1 14.7% 40,557.9 2,431.2 6.0% 0.11% 0.05% 0.04% 0.09% 0.09% Manufacturing 18,104.6 42.1% 16,165.8 1,938.9 12.0% 17,979.3 125.3 0.7% 0.02% 0.02% 0.00% 0.04% 0.03% Oil Refinery, Chemical 4,307.1 10.0% 4,208.3 98.9 2.3% 4,339.2 Δ32.1 Δ0.7% - - - - - Metal Production 740.4 1.7% 600.6 139.8 23.3% 641.3 99.1 15.4% - - - - - Auto 2,465.7 5.7% 2,254.6 211.2 9.4% 2,342.0 123.7 5.3% - - 0.03% 0.27% 0.26% Financials and Insurance 8,376.6 19.5% 7,199.9 1,176.7 16.3% 7,210.6 1,166.0 16.2% 0.44% 0.12% 0.11% 0.27% 0.30% Construction 827.0 1.9% 1,310.2 Δ483.3 Δ36.9% 728.4 98.6 13.5% 0.73% 0.40% 0.86% 0.73% 0.65% Real Estate & Renting 3,591.4 8.4% 1,813.6 1,777.8 98.0% 3,158.2 433.2 13.7% - - - - 0.05% Wholesalers & Retailers 3,984.7 9.3% 3,642.7 342.0 9.4% 3,838.2 146.5 3.8% - - - 0.09% 0.04% Hotel & Restaurants 838.9 2.0% 1,036.7 Δ197.7 Δ19.1% 858.1 Δ19.2 Δ2.2% - - - - - ** Large Corporates exclude government agencies and others, and total Large Corporate Loans include unused credit lines and others The sum of the sub-sector loans does not equal the Large Corporates Loans as only the major sub-sectors are shown in the table 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 26
Appendix_ ⑨ Shinhan Bank Loans (SME) 26 (Wbn) 2026.09 Weight % 2025.12 2026.06 Delinquency Rate YTD YTD % QoQ QoQ % 2025.09 2025.12 2026.03 2026.06 2026.09 SME Total 148,653.5 100.0% 145,107.8 3,545.7 2.4% 147,668.1 985.4 0.7% 0.45% 0.42% 0.46% 0.49% 0.42% SOHO 71,258.5 47.9% 71,090.4 168.1 0.2% 71,477.7 Δ219.2 Δ0.3% 0.46% 0.41% 0.48% 0.47% 0.47% Audited SME 34,200.8 23.0% 30,892.4 3,308.4 10.7% 33,081.2 1,119.7 3.4% 0.22% 0.28% 0.34% 0.51% 0.27% Unaudited SME 43,194.1 29.1% 43,125.0 69.1 0.2% 43,109.2 84.9 0.2% 0.61% 0.53% 0.51% 0.51% 0.44% By Sectors SME Total 148,653.5 100.0% 145,107.8 3,545.7 2.4% 147,668.1 985.4 0.7% 0.45% 0.42% 0.46% 0.49% 0.42% Manufacturing 35,487.9 23.9% 34,188.0 1,299.9 3.8% 35,207.2 280.7 0.8% 0.49% 0.43% 0.39% 0.56% 0.42% Construction 3,136.9 2.1% 2,948.7 188.1 6.4% 3,058.5 78.4 2.6% 1.20% 1.01% 1.02% 0.76% 0.73% Real Estate & Renting 47,698.6 32.1% 46,854.9 843.7 1.8% 47,324.7 373.9 0.8% 0.24% 0.22% 0.22% 0.30% 0.29% Wholesalers & Retailers 23,340.4 15.7% 22,645.5 695.0 3.1% 23,110.4 230.0 1.0% 0.57% 0.54% 0.61% 0.61% 0.52% Accommodations & Restaurants 8,661.2 5.8% 8,428.6 232.6 2.8% 8,489.3 171.9 2.0% 0.67% 0.67% 0.66% 0.56% 0.56% Others 30,328.4 20.4% 30,042.1 286.4 1.0% 30,478.0 Δ149.6 Δ0.5% SOHO 71,258.5 100.0% 71,090.4 168.1 0.2% 71,477.7 Δ219.2 Δ0.3% 0.46% 0.41% 0.48% 0.47% 0.47% Manufacturing 8,336.6 11.7% 8,203.8 132.7 1.6% 8,319.8 16.8 0.2% 0.58% 0.37% 0.43% 0.44% 0.50% Construction 820.4 1.2% 785.5 34.9 4.4% 803.2 17.2 2.1% 2.03% 1.59% 1.16% 1.22% 1.06% Real Estate & Renting 31,438.7 44.1% 31,801.6 Δ362.8 Δ1.1% 31,607.6 Δ168.9 Δ0.5% 0.20% 0.19% 0.24% 0.31% 0.34% Wholesalers & Retailers 11,043.6 15.5% 10,989.8 53.8 0.5% 11,115.3 Δ71.7 Δ0.6% 0.67% 0.65% 0.78% 0.69% 0.69% Accommodations & Restaurants 6,941.8 9.7% 6,791.7 150.1 2.2% 6,842.9 98.9 1.4% 0.68% 0.79% 0.77% 0.64% 0.65% Others 12,677.5 17.8% 12,518.0 159.5 1.3% 12,789.0 Δ111.6 Δ0.9% Note) Proportion of Collateralized SME loans as end of September 2026: 85% (Real Estate 69%, Guarantee 10%, Deposits and others 6%) Proportion of Collateralized SOHO loans as end of September 2026: 91% (Real Estate 80%, Guarantee 9%, Deposits and others 2%) 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 27
Appendix_ ⑩ Shinhan Card Assets and Funding 27 (Wbn, %) 2026.09 2025.12 2026.06 2026.09 Weight %YTD YTD % QoQ QoQ % Earning Assets 39,110.3 39,206.2 Δ95.9 Δ0.2% 39,342.3 Δ232.0 Δ0.6% 100.0% Credit Purchase 19,546.2 18,907.5 638.7 3.4% 19,188.3 357.9 1.9% 50.0% Cash Advances 1,421.7 1,366.9 54.8 4.0% 1,419.2 2.5 0.2% 3.6% Card Loan 7,996.4 8,107.8 Δ111.3 Δ1.4% 8,190.6 Δ194.1 Δ2.4% 20.4% Installment Finance 3,350.5 3,620.3 Δ269.7 Δ7.5% 3,449.6 Δ99.0 Δ2.9% 8.6% Loan Assets 3,075.7 3,174.5 Δ98.8 Δ3.1% 3,084.6 Δ8.8 Δ0.3% 7.9% Lease 3,719.7 4,029.3 Δ309.6 Δ7.7% 4,010.2 Δ290.5 Δ7.2% 9.5% Total Funding 28,405.8 29,268.2 Δ862.4 Δ2.9% 29,368.8 Δ963.0 Δ3.3% 100.0% Debentures 21,610.6 20,970.2 640.4 3.1% 20,802.5 808.1 3.9% 76.1% ABS 2,687.6 3,187.3 Δ499.6 Δ15.7% 3,428.8 Δ741.2 Δ21.6% 9.5% CP 1,860.0 2,605.0 Δ745.0 Δ28.6% 2,975.0 Δ1,115.0 Δ37.5% 6.5% Others 2,247.5 2,505.7 Δ258.2 Δ10.3% 2,162.5 85.1 3.9% 7.9% (Wbn, %) 3Q26 YTD 3Q25 YTD 3Q26 2Q26 3Q26 YTD Weight %YoY YoY % QoQ QoQ % Transaction Volume 187,963.1 175,063.5 12,899.6 7.4% 64,553.5 63,095.8 1,457.7 2.3% 100.0% Lump-sum 148,050.0 134,485.5 13,564.5 10.1% 51,001.2 49,806.7 1,194.5 2.4% 78.8% (Debit Card) 24,569.3 23,625.1 944.2 4.0% 8,462.4 8,307.1 155.3 1.9% 13.1% Installment Purchase 20,443.2 20,004.1 439.1 2.2% 7,066.6 6,678.3 388.2 5.8% 10.9% Cash Advance 8,995.8 9,196.3 Δ200.5 Δ2.2% 3,129.6 2,974.1 155.5 5.2% 4.8% Card Loan 6,116.6 6,764.6 Δ648.0 Δ9.6% 1,804.0 2,100.5 Δ296.5 Δ14.1% 3.3% Others 4,357.6 4,613.0 Δ255.5 Δ5.5% 1,552.2 1,536.1 16.1 1.0% 2.3% 3Q 2026 Highlight P&L Digital/SDGsB/S Appendix
Page 28
28 Disclaimer This material has been prepared to enhance comparability: • It has been prepared in accordance with Korean adopted International Financial Reporting Standards (K-IFRS). As the external auditor’s review for Q3 2026 has not yet been completed, the figures may be subject to change. • This material contains “forward-looking information.” This refers to matters related to future events rather than past ones, meaning the company’s expected future business conditions and financial results – expressed through terms like “expected,” “forecast,” “plan,” “anticipate,” (e), (p), and similar words. Such “forward-looking information” is subject to change due to future changes in the business environment and inherently involves uncertainty; as a result, actual future performance may differ materially from what is stated or implied in this “forward-looking information.” Future outlooks are also based on current market conditions and the company’s business direction, and may vary depending on future changes in the market environment and strategy adjustments. Please note this. Under no circumstances may this material be used as evidence for establishing legal liability related to investment outcomes. • Some individual amounts and totals may differ due to rounding numbers.
Page 29
29 Notes on ‘Digital, Digitalto Value’ (p.14) Note2) Digital Operating Profit before Expenses’ refers to profit made from the digital channels of Shinhan Bank, Shinhan Card and Shinhan Securities * Digital channels refer to internet and mobile banking, as well as financial platforms of Shinhan Bank, Shinhan Card, and Shinhan Securities, including Super SOL, SOL Pay, and SOL Securities Note3) The Digital Cost Efficiency is sum of costs saved in Front, Middle, and Back offices. Please refer to below for calculation details Note1) SFG Gross MAU’ is the sum of the MAU of Shinhan’sfinancial platforms and the MAU of Shinhan’snon-financial platforms. The MAU figures are based on managed data. * The MAU figures for financial platform represent the sum of MAUs of the following apps (duplicates included): - Super SOL, SOL BIZ (Shinhan Bank), SOL Pay (Shinhan Card), SOL Securities (Shinhan Securities), SOL Life (Shinhan Life), JBANK (Jeju Bank), and SOL Savings Bank (Shinhan Savings Bank) * The MAU figures for non-financial platform represent the sum of MAUs of the following apps (duplicates included): - Ddangyo (Delivery), HeyYoung Campus (Life) Definition Calculation Front Shifting customer channels to low-cost channels (Financial services offered via digital means, etc.) Front = Total # of offered services (on+offline) X Digital coverage X Reduced cost per task Middle Innovating offline customer experience (Digitized forms, etc.) Middle = Total # of offered digital services X Reduced work time per task X Average wage Back Streamlining back office operations (AI Contact Center(AICC), Robotic Process Automation(RPA), etc.) Back(RPA) = Total RPA time X Average wage Disclaimer