Slides
Page 1
“One DNA, One Promise” 2026.3Q Business Results October 2026
Page 2
1 ROE 10.62% Net Income CET1 Ratio Shareholder Return Flat QoQ +2bp YoY +2.4% QoQ +5.6% YoY 2026.3Q Financial Highlights * 3Q key one-offs [before tax]: FX translation gain +186.8 Wbn | ERP costs -45.3 Wbn | Provisions related to completion-guaranteed land trusts -35.4 Wbn 4Q share buyback 250Wbn DPS KRW 1,165 949 Wbn share buybacks (2026 YTD) Separate taxation on dividend income applies 13.45%(e) +18bp QoQ 3Q 1.22Wtn YTD 3.62Wtn Capital Adequacy Shareholder Return Profitability ▪ Quarterly net income increased 2.4% QoQ to 1.22 Wtn, maintaining robust earnings of approximately 1.2 Wtn for three consecutive quarters ▪ Group net income reached a record high of 3.62 Wtnon a YTD basis, up 5.6% YoY. Core earnings, comprising interest income and fee income, grew 14.2% YoY, driving overall earnings growth ▪ YTD ROE stood at 10.62%, reflecting consistently stable profitability ▪ The Group's CET1 ratio is expected to reach 13.45% at the end of 3Q, up 18bp QoQ, as RWA declined on KRW appreciation and the rationalization of operational risk loss recognition, alongside continued RoRWA-focused asset growth ▪ Approved an additional 250 Wbnshare buyback and cancellation, bringing 2026 total buybacks and cancellations to a record 949 Wbn, up approximately 26% YoY ▪ 3Q quarterly DPS was set at KRW 1,165, up 26.6% YoY, with total annual cash dividends expected to increase by more than 10% YoY
Page 3
Summary Interest Income Non-Interest Income G&AExpenses AssetQuality CapitalAdequacy ShareholderReturn Subsidiaries 3 4 5 6 7 9 10 11 Group
Page 4
3 Snapshot of Hana Financial Group(consolidated) 3Q26 FY2025 ROE 10.62% 9.19% ROA 0.71% 0.62% C/I Ratio 38.38% 41.20% 3Q26 FY2025 Credit Cost Ratio 0.30% 0.29% NPL Ratio 0.93% 0.72% Delinquency Ratio 0.70% 0.52% 3Q26 FY2025 EPS (YTD) 13,036 13,954 BPS 157,038 148,994 DPS (YTD) 3,465 4,105 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ General Operating Income 9,648.2 8,806.2 9.6% 3,227.0 3,332.3 -3.2% InterestIncome 7,483.2 6,780.3 10.4% 2,674.9 2,302.9 16.2% FeeIncome 2,142.8 1,650.4 29.8% 655.4 819.6 -20.0% Disposition & Valuation 951.6 1,119.5 -15.0% 291.5 536.2 -45.6% Other Operating Income(929.4) (744.0) N/A (394.9) (326.4) N/A G&A Expenses 3,703.4 3,413.2 8.5% 1,214.4 1,290.7 -5.9% PPOP 5,944.8 5,393.0 10.2% 2,012.6 2,041.6 -1.4% CreditLoss Provision 1,065.5 932.5 14.3% 381.3 447.3 -14.7% OperatingIncome 4,879.3 4,460.5 9.4% 1,631.3 1,594.4 2.3% Non-OperatingIncome 180.7 152.7 18.3% 55.8 67.5 -17.3% Consolidated Net Income1) 3,624.3 3,433.4 5.6% 1,221.4 1,192.8 2.4% 3Q26 FY2025 CET1 Ratio 13.45% 13.38% Profitability(YTD) Asset Quality Capital Adequacy Per Share Metrics (Unit: KRW) Note 1) Equity attributable to equity holders of the parent Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries Group Consolidated Earnings (Unit: Wbn)
Page 5
4 2Q263Q25 4Q25 1Q26 3Q26 6,780 7,483 3Q26 (YTD) 3Q25 (YTD) +10.4% Group 3Q25 4Q25 1Q26 2Q26 3Q26 Lending Rate 4.04 4.01 4.02 4.07 4.18 FundingRate 2.38 2.30 2.26 2.26 2.42 NIS 1.66 1.71 1.76 1.81 1.76 Bank 3Q25 4Q25 1Q26 2Q26 3Q26 Lending Rate 3.78 3.73 3.77 3.80 3.92 FundingRate 2.35 2.27 2.24 2.24 2.39 NIS 1.43 1.46 1.53 1.56 1.53 Interest Income Expansion Supported by Solid Asset Growth NIS (Unit: %) * Group NIM includes Bank and Card [ Group] NIM [ Bank] 2Q263Q25 4Q25 1Q26 3Q26 +16.2% 2,303 2,675 3Q262Q26 ▪ 3Q Group interest income increased 16.2% QoQ, mainly driven by the variable insurance accounting effect at Hana Life ▪ Group interest income grew 10.4% YoY on a YTD basis, led by a 14.1% increase at Hana Bank ▪ Bank NIM declined 4bp QoQ as funding costs rose on lower low-cost deposit balances, while Group NIM fell 5bp QoQ, also reflecting lower NIM at Hana Card ▪ KRW loans grew 1.7% QoQ, with household loans up 1.0% and corporate loans up 2.3% ▪ Both Group and Bank NIS narrowed QoQ, as higher funding rates from increased reliance on time deposits outpaced the rise in lending rates Interest Income NIM KRW Loan Growth(Bank) NIS 2.6% 0.0% 0.9% 2.0% 1.7% 3.3% -0.5% 1.8% 2.6% 2.3% 1.7% 0.8% -0.3% 1.2% 1.0% 1.74% 1.78% 1.82% 1.88% 1.83% 1.50% 1.52% 1.58% 1.61% 1.57% Group NIM (quarterly)Bank NIM (quarterly) KRW Loan Growth (Bank) Household Corporate Total Loan Growth (quarterly) Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries Interest Income (Unit: Wbn)
Page 6
5 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ Fee Income 2,142.8 1,650.4 29.8% 655.4 819.6 -20.0% Credit Card 306.4 285.7 7.3% 113.6 108.4 4.8% Banking Fee 625.2 666.0 -6.1% 194.7 212.9 -8.5% Guarantee 105.2 98.0 7.4% 33.4 36.5 -8.6% Loan and Others 156.2 214.7 -27.2% 37.0 53.0 -30.2% FX 166.7 154.7 7.8% 58.9 57.9 1.6% Operating Leases 197.1 198.7 -0.8% 65.5 65.4 0.2% Asset Mgmt. Fee 979.5 583.9 67.8% 259.3 406.7 -36.2% BeneficiaryCert.Sales 123.6 91.4 35.2% 35.8 48.8 -26.6% Wrap& Operation 114.0 47.7 138.8% 20.3 58.8 -65.5% Brokerage 327.7 135.3 142.2% 77.9 140.5 -44.5% Trust 341.6 249.1 37.1% 88.5 141.9 -37.6% Bancassurance 72.7 60.3 20.5% 36.7 16.6 121.3% M&A Advisory 153.5 98.6 55.6% 49.2 79.6 -38.1% Others 78.2 16.2 381.6% 38.6 12.0 221.1% Disposition & Valuation 951.6 1,119.5 -15.0% 291.5 536.2 -45.6% Other Operating Income(929.4) (744.0) N/A (394.9) (326.4) N/A Total 2,165.0 2,025.9 6.9% 552.0 1,029.4 -46.4% Robust YTD Fee Income Growth Driven by Higher WM-Related Fees 3Q26 (YTD) 3Q25 (YTD) +211,650 2,143 -41 +396 +55 +62 536 291 3Q262Q26 -45.6% 1,120 952 3Q26 (YTD) 3Q25 (YTD) -15.0% ▪ 3Q Group fee income decreased 20.0% QoQ, primarily due to lower stock market trading volumes ▪ Group fee income increased 29.8% YoY on a YTD basis ▪ Asset management fees increased 395.6 Wbn YoY, led by Brokerage fees (+142.2%) and Trust fees (+37.1%), driving overall fee income growth ▪ Credit Card fees (+7.3%) and M&A Advisory fees (+55.6%) also posted solid growth, supporting continued diversification of the Group's revenue streams ▪ 3Q Disposition & Valuation gains decreased 45.6% QoQ due to the variable insurance accounting effect at Hana Life; excluding this impact, gains increased 54.8% QoQ ▪ On a YTD basis, Disposition & Valuation gains declined 15.0% YoY, mainly due to lower bond-related gains amid rising market interest rates Fee Income Key Drivers of Fee Income Growth Disposition & Valuation 1,650 2,143 3Q26 (YTD) 3Q25 (YTD) +29.8% 820 655 3Q262Q26 -20.0% Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries Fee Income (Unit: Wbn) Fee Income Movements (Unit: Wbn) Disposition & Valuation (Unit: Wbn) Credit Card Asset Mgmt Banking M&A Advisory Others NegativePositive Total
Page 7
6 3Q26 (YTD) 3,703 +133 +18+14 +125 3,413 3Q25 (YTD) C/I Ratio Improved Through Continued Cost Efficiency Initiatives 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ Salary& Benefits 1,846.3 1,712.9 7.8% 571.7 683.1 -16.3% Retirement Benefits 289.1 275.1 5.1% 99.3 52.8 88.1% Admin. Expenses 737.5 720.0 2.4% 264.2 263.4 0.3% Taxes & Depreciation 830.5 705.2 17.8% 279.2 291.4 -4.2% Total 3,703.4 3,413.2 8.5% 1,214.4 1,290.7 -5.9% C/I Ratio (Cumulative) C/I Ratio 38.8% 41.2% 38.8% 38.8% 38.4% 2Q263Q25 4Q25 1Q26 3Q26 ▪ 3Q G&A expenses decreased 5.9% QoQ, reflecting a base effect from higher performance-based compensation paid in 2Q26 ▪ Group G&A expenses increased 8.5% YoY on a YTD basis ▪ On a YTD basis, Salary & Benefits increased 133.4 Wbn YoY, mainly due to higher performance-based compensation at Hana Securities in 2Q26, while Taxes & Depreciation increased 125.2 Wbn, partly reflecting higher education taxes ▪ Group C/I ratio improved 0.4%p YoY to 38.4% on a YTD basis, supported by Group-wide cost efficiency initiatives that kept G&A expense growth below generaloperating income growth G&A Expenses Key Drivers of G&A Expenses C/I Ratio (YTD) 1,291 1,214 3Q262Q26 -5.9% 3,413 3,703 3Q26 (YTD) 3Q25 (YTD) +8.5% Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries G&A Expenses (Unit: Wbn) G&A Expenses Movement(Unit: Wbn) Salary& Benefits Retirement Benefits Admin. Expenses Taxes & Depreciation NegativePositive Total
Page 8
7 CCR Remained Stable and Within the Management Guidance Credit Cost Ratio(Cumulative) 0.28% 0.29% 0.21% 0.29% 0.30% 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ Credit Loss Provision 1,065.5 932.5 14.3% 381.3 447.3 -14.7% Loan Loss Provision 1,019.2 923.0 10.4% 356.2 431.4 -17.4% Unused Commitments Provision 5.6 2.7 110.0% (1.0) 1.7 N/A Other Provision 40.8 6.9 491.8% 26.1 14.2 84.2% 2Q263Q25 4Q25 1Q26 3Q26 192 356 6 73 36 9 40 ▪ 3Q provisions decreased 17.4% QoQ, reflecting the base effect of additional provisions related to a large corporate rehabilitation filing in 2Q26 ▪ Provisions increased 10.4% YoY on a YTD basis ▪ Bank provisions totaled 192.2 Wbn, accounting for approximately 54% of Group provisions, down 46.6 Wbn QoQ ▪ Non-bank provisions totaled 164.0 Wbn, down 28.6 WbnQoQ ▪ CCR remained stable at 30bp on a YTD basis, within management guidance Provisions Provisions by Subsidiary (3Q) Credit Cost Ratio 923 1,019 3Q26 (YTD) 3Q25 (YTD) +10.4% 431 356 3Q262Q26 -17.4% Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries Provisions (Unit: Wbn) Provisions by Subsidiary (3Q) (Unit: Wbn) Hana Capital Hana Savings Bank Other/ Adjustment Hana Card Hana Securities GroupHana Bank
Page 9
8 105.0% 109.8% 95.6% 86.4% 90.2% 613 820 907 1,291 558 2Q263Q25 4Q25 1Q26 3Q26 New NPL Formation Trend 3Q26 4Q25 YTD 2Q26 QoQ TotalCredit 455,418 440,134 3.5% 458,243 -0.6% Normal 444,834 430,704 3.3% 448,011 -0.7% Precautionary 6,331 6,279 0.8% 5,987 5.7% Substandard 2,747 1,989 38.1% 2,863 -4.1% Doubtful 989 732 35.1% 851 16.3% Estimated Loss 517 429 20.6% 531 -2.7% NPLAmount 4,254 3,150 35.0% 4,245 0.2% NPLRatio 0.93% 0.72% 0.22%p 0.93% 0.01%p NPL Coverage Ratio 90.19% 109.84% -19.64%p 86.38% 3.81%p Loan Loss Allowance 6,585 6,092 8.1% 6,450 2.1% Loan Loss Reserve 3,836 3,460 10.9% 3,667 4.6% CreditLoss Reserve 2,749 2,632 4.4% 2,783 -1.2% NPL Coverage Ratio Improved on Lower New NPL Formation Delinquency Ratio 0.57% 0.52% 0.61% 0.59% 0.70% (Unit: Wbn) 2Q263Q25 4Q25 1Q26 3Q26 2Q263Q25 4Q25 1Q26 3Q26 ▪ Group delinquency ratio rose 11bp QoQ to 0.70%, as exposures related to the large corporate rehabilitation filing became delinquent ▪ Excluding these exposures, the delinquency ratio stood at 0.63%, up 4bp QoQ ▪ New NPL formation decreased QoQ to 557.8 Wbn in 3Q, partly reflecting a base effect from the large corporate rehabilitation filing in 2Q26 NPL Ratio and Coverage Ratio Delinquency Ratio New NPL Formation ▪ Group NPL ratio remained flat QoQ at 0.93% ▪ NPL coverage ratio increased 3.8%p QoQto 90.2%, supported by a decline in new NPLs 0.73% 0.72% 0.80% 0.93% 0.93% NPL / NPL Coverage Ratio NPL Coverage Ratio NPL Ratio Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries
Page 10
9 CET1 Ratio Up 18bp QoQ Amid Favorable Conditions ▪ The Group's CET1 ratio is expected to reach 13.45% at the end of 3Q, up 18bp QoQ ▪ The increase was mainly driven by lower RWA, reflecting KRW appreciation against the USD and the rationalization of operational risk loss recognition ▪ Of the 40bp of capital generated from net income, 20bp was allocated to shareholder returns through cash dividends and share buybacks ▪ RWA decreased 3.5% QoQ, contributing approximately 46bp to the CET1 ratio ▪ Group RWA stood at 296 Wtn, up 2.4% from year-end 2025 Capital Ratios CET1 Ratio Movement Risk-Weighted Assets 15.65% 15.59% 15.61% 15.45% 13.22% 13.22% 13.38% 13.45% 14.68% 14.77% 14.93% 14.91% 260 279 289 296 3Q26 4Q25 YTD 2Q26 QoQ RWA 295,819 288,939 2.4% 306,408 -3.5% BIS Capital 45,710 45,098 1.4% 46,962 -2.7% Tier1 Capital 44,110 43,124 2.3% 45,273 -2.6% CET1 Capital 39,800 38,664 2.9% 40,675 -2.1% BIS Ratio 15.45% 15.61% -0.16%p 15.33% 0.13%p Tier1 Ratio 14.91% 14.93% -0.01%p 14.78% 0.14%p CET1 Ratio 13.45% 13.38% 0.07%p 13.27% 0.18%p 3Q262023 2024 2025 3Q26(e)2023 2024 2025 Sep. 2026 CET1(e) Jun. 2026 CET1 13.45% +0.40 -0.10+0.46 -0.10 -0.48 +2.4% 13.27% Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries NegativePositive Total RWAGrowthCapital Adequacy Ratio (Unit: Wtn) Tier1 RatioBIS Ratio CET1 Ratio DividendNet Income Share Buyback OthersRWA CET1 Ratio Movements
Page 11
10 977 980 1,016 1,118 150 397 754 949 2022 2023 2024 2025 2026(e) 11,380 12,629 13,954 11,972 13,036 3Q26202520242023 3Q25 124,081 137,082 148,994 147,289 157,038 Additional Share Buyback Brings Annual Total to Record High +8.9% +6.6% 3Q26202520242023 3Q25 ▪ Cumulative share buybacks and cancellations for 2026 reached a record of approximately 950 Wbn, including the 250 Wbnannounced for 4Q ▪ Total cash dividends for 2026 are expected to increase by more than 10% YoY ▪ EPS increased 8.9% YoY on a YTD basis, supported by higher net income and the impact of share buybacks and cancellations ▪ BPS increased 6.6% YoY to KRW 157,038 at end-3Q EPS BPS Shareholder Returns EPS BPS 27% 33% 38% 47% 3Q25 4Q25 1Q26 2Q26 3Q26 TotalShareholder Return Amount 429 491 404 602 617 Share Buyback 179 122 97 294 309 Cash Dividend 250 369 307 308 308 DPS(KRW) 920 1,366 1,145 1,155 1,165 Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries Shareholder Return (Unit: Wbn) Annually Cash Dividend Share Buyback Shareholder Return Ratio (Unit: KRW) (Unit: KRW) Quarterly (Unit: Wbn)
Page 12
11 575 904 1,260 827 173 627 517 569 21.2% 31.0% 32.9% 21.1% 4.7% 15.7% 12.1%14.6% Business Results of Subsidiaries 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ ROE HanaBank 3,315.7 3,133.3 5.8% 1,194.6 1,016.9 17.5% 12.27% HanaSecurities 283.4 169.6 67.1% 10.3 169.8 -93.9% 5.83% HanaCard 175.3 170.0 3.1% 49.4 68.4 -27.8% 7.33% HanaCapital 144.5 64.1 125.6% 40.1 50.9 -21.4% 6.99% HanaAssetTrust (3.6) 17.7 N/A (18.2) 6.8 N/A -0.95% HanaLife (29.6) 36.9 N/A (36.4) 0.2 N/A -6.69% Other Subsidiaries & Consolidation Adjustment (261.5) (158.2) N/A (18.4) (120.2) N/A N/A Group Consolidated Net Income1) 3,624.3 3,433.4 5.6% 1,221.4 1,192.8 2.4% 10.62% FY25 3Q26FY19 FY20 FY21 FY22 FY23 FY24Note1) Equity attributable to equity holders of the parent Summary Interest Income Non-Interest Income G&A Expenses Asset Quality Capital Adequacy Shareholder Return Subsidiaries Net Income of Subsidiaries (Consolidated) (Unit: Wbn) Net Income Contribution byNon-Bank (Consolidated) Net Income (Wbn) Proportion
Page 13
Bank Securities Card Capital 13 14 15 16 Key Subsidiaries
Page 14
13 Bank Highlights 11.29% 10.27% 10.80% 12.27% 3,477 3,356 3,747 3,316 Net Income& ROE 2025 3Q2620242023 38.7% 41.3% 39.4% 36.5% C/I Ratio 2025 3Q2620242023 0.16% 0.06% 0.11% 0.17% Credit Cost Ratio(Separate) 2025 3Q2620242023 0.26% 0.29% 0.35% 0.48% NPL Ratio 2025 3Q2620242023 0.26% 0.30% 0.32% 0.51% Delinquency Ratio 2025 3Q2620242023 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ General Operating Income 7,587.9 6,996.3 8.5% 2,625.9 2,542.8 3.3% Interest Income 6,777.3 5,939.4 14.1% 2,312.8 2,280.2 1.4% Fee Income 874.0 783.6 11.5% 259.8 316.9 -18.0% Disposition& Valuation 894.0 1,035.7 -13.7% 430.4 274.6 56.7% Other Operating Income (957.4) (762.4) N/A (377.1) (329.0) N/A G&A Expenses 2,772.0 2,614.0 6.0% 908.2 964.5 -5.8% PPOP 4,815.9 4,382.3 9.9% 1,717.7 1,578.3 8.8% Credit Loss Provisions 509.9 365.8 39.4% 181.3 251.1 -27.8% OperatingIncome 4,306.0 4,016.5 7.2% 1,536.4 1,327.2 15.8% Non-Operating Income 153.5 148.4 3.4% 44.5 39.8 11.8% Net Income 3,315.7 3,133.3 5.8% 1,194.6 1,016.9 17.5% Bank Securities Card Capital Key Financial Performance (Unit: Wbn) Earnings Summary (Unit: Wbn)
Page 15
14 -292 225 212 283 2025 3Q2620242023 2025 3Q2620242023 2025 3Q2620242023 SecuritiesHighlights Net Income ROE C/I Ratio NPL Ratio -5.05% 3.85% 3.52% 5.83% 128.1% 73.0% 77.1% 59.1% 2.04% 1.78% 1.50% 2.77% 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ General Operating Income 1,045.0 686.1 52.3% 228.5 464.1 -50.8% Interest Income 345.2 398.9 -13.5% 97.1 118.6 -18.1% Fee Income 676.9 301.8 124.3% 178.3 303.3 -41.2% Disposition& Valuation (214.5) (168.5) N/A (110.4) (55.2) N/A Other Operating Income 237.4 153.9 54.2% 63.5 97.3 -34.8% G&A Expenses 617.8 483.8 27.7% 200.6 221.0 -9.2% PPOP 427.3 202.3 111.2% 27.9 243.0 -88.5% Credit Loss Provisions 60.8 18.0 237.7% 6.8 39.4 -82.8% OperatingIncome 366.4 184.2 98.9% 21.1 203.7 -89.6% Non-Operating Income 27.3 15.5 75.9% 1.5 25.2 -94.2% Net Income 283.4 169.6 67.1% 10.3 169.8 -93.9%2025 3Q2620242023 Bank Securities Card Capital Earnings Summary (Unit: Wbn)Key Financial Performance (Unit: Wbn)
Page 16
15 Card Highlights 171 222 218 175 7.62% 9.20% 8.29% 7.33% Net Income& ROE 2025 3Q2620242023 29.5% 29.2% 31.1% 29.5% C/I Ratio 2025 3Q2620242023 Credit Cost Ratio (Separate) 1.20% 1.45% 1.42% 1.47% NPL Ratio 2025 3Q2620242023 1.67% 1.87% 1.74% 1.84% Delinquency Ratio 2025 3Q2620242023 2.84% 2.69% 2.17% 2.25% 2025 3Q2620242023 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ General Operating Income 678.2 649.3 4.4% 209.2 238.5 -12.3% Interest Income 349.1 339.9 2.7% 115.7 116.0 -0.2% Fee Income 277.9 254.8 9.1% 104.0 99.9 4.1% Disposition& Valuation 43.7 42.0 3.9% (4.7) 23.3 N/A Other Operating Income 7.5 12.6 -40.8% (5.8) (0.7) N/A G&A Expenses 200.1 194.6 2.9% 69.6 63.7 9.2% PPOP 478.0 454.8 5.1% 139.7 174.8 -20.1% Credit Loss Provisions 243.9 236.3 3.2% 73.4 83.6 -12.2% OperatingIncome 234.2 218.5 7.2% 66.3 91.2 -27.3% Non-Operating Income (2.9) (3.8) N/A 0.4 (2.3) N/A Net Income 175.3 170.0 3.1% 49.4 68.4 -27.8% Earnings Summary (Unit: Wbn)Key Financial Performance (Unit: Wbn) Bank Securities Card Capital
Page 17
16 CapitalHighlights 209 116 53 145 9.59% 4.70% 2.04% 6.99% Net Income& ROE 2025 3Q2620242023 16.1% 17.6% 22.9% 22.2% C/I Ratio 2025 3Q2620242023 1.23% 1.72% 1.75% 0.80% Credit Cost Ratio (Separate) 1.02% 1.45% 1.62% 1.82% NPL Ratio 2025 3Q2620242023 Delinquency Ratio 2025 3Q2620242023 1.04% 1.70% 1.62% 2.02% 2025 3Q2620242023 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ General Operating Income 377.6 360.0 4.9% 119.0 136.8 -13.0% Interest Income 204.2 206.7 -1.2% 69.3 72.6 -4.6% Fee Income 186.2 195.6 -4.8% 60.6 62.6 -3.2% Disposition& Valuation (19.3) (31.7) N/A (12.7) (1.4) N/A Other Operating Income 6.5 (10.6) N/A 1.8 3.0 -38.6% G&A Expenses 83.7 77.0 8.7% 27.0 27.6 -2.4% PPOP 293.8 283.0 3.8% 92.1 109.1 -15.6% Credit Loss Provisions 97.2 202.2 -51.9% 35.7 38.9 -8.3% OperatingIncome 196.6 80.8 143.3% 56.4 70.2 -19.7% Non-Operating Income 1.9 1.7 16.0% (2.6) (1.6) N/A Net Income 144.5 64.1 125.6% 40.1 50.9 -21.4% Earnings Summary (Unit: Wbn)Key Financial Performance (Unit: Wbn) Bank Securities Card Capital
Page 18
Appendix GroupTotal Assets/ Liabilities & Equity Bank Lending and Funding BankLoan Composition CardLendingandFunding Digital 18 19 20 21 22
Page 19
18 719 96 17 19 7 60 6 857 878 898 937 924 GroupTotal Assets/ Total Liabilities & Equity 3Q26 4Q25 YTD 2Q26 QoQ Cash & Deposits 48,603 43,340 12.1% 43,928 10.6% Securities 154,164 144,355 6.8% 150,993 2.1% Loan Receivables 428,434 434,223 -1.3% 436,796 -1.9% KRW Loan 357,115 340,891 4.8% 351,330 1.6% Tangible Assets 8,818 7,930 11.2% 7,919 11.4% Other Assets 65,787 44,743 47.0% 73,827 -10.9% Group Assets 705,805 674,591 4.6% 713,463 -1.1% + Trust Assets 218,641 203,410 7.5% 223,064 -2.0% Group Total Assets 924,446 878,001 5.3% 936,527 -1.3% 3Q26 4Q25 YTD 2Q26 QoQ Deposits 402,457 409,385 -1.7% 415,632 -3.2% Borrowings 135,725 123,269 10.1% 129,911 4.5% Debt 35,795 30,172 18.6% 36,713 -2.5% Debenture 79,049 72,813 8.6% 76,217 3.7% RP, Call Money, etc 20,881 20,284 2.9% 16,980 23.0% Other Liabilities 119,747 96,291 24.4% 119,473 0.2% Total Liabilities 657,929 628,945 4.6% 665,016 -1.1% Total Equity 47,876 45,646 4.9% 48,447 -1.2% Liabilities & Equity 705,805 674,591 4.6% 713,463 -1.1% Note1) Group Total Assets = Group Assets + Trust Assets 2Q263Q25 4Q25 1Q26 3Q26 TotalAssets/ Liab. & Equity BankLending & Funding BankLoan Composition Card Lending & Funding Digital Group Total Assets1) (Unit: Wbn) Group Asset Trend (Unit: Wtn) Total Assets of Subsidiaries (Consolidated) (Unit: Wtn)Group Total Liabilities & Equity (Unit: Wbn) Hana Bank Hana Securities Hana Card Hana Capital Hana Life Hana Asset Trust Others
Page 20
19 3Q26 37.2% 36.5% 39.9% 39.3% 37.5% 32.6 36.0 39.1 36.5 33.0 91.1 89.2 93.8 97.2 92.9 99.1% 97.6% 97.4% 95.8% 97.4% 3Q26 4Q25 YTD 2Q26 QoQ Corporate Loan 188,478 176,232 6.9% 184,157 2.3% Large Corp. 33,845 29,660 14.1% 32,655 3.6% SME 150,089 142,460 5.4% 147,214 2.0% (SOHO) 59,672 58,111 2.7% 59,117 0.9% Others 4,544 4,112 10.5% 4,288 6.0% Household Loan 144,327 141,647 1.9% 142,965 1.0% Secured 124,998 123,159 1.5% 123,593 1.1% (Mortgages) 113,618 111,854 1.6% 112,242 1.2% Unsecured 19,328 18,488 4.5% 19,372 -0.2% Total 332,805 317,879 4.7% 327,122 1.7% 3Q26 4Q25 YTD 2Q26 QoQ KRW Deposits 336,245 343,260 -2.0% 340,294 -1.2% Core Deposits 92,918 89,208 4.2% 97,231 -4.4% MMDA 33,016 35,991 -8.3% 36,466 -9.5% Time Deposits 192,852 188,733 2.2% 189,296 1.9% Installment Deposits 7,751 8,279 -6.4% 7,963 -2.7% Marketable Deposits 9,708 21,050 -53.9% 9,337 4.0% FC Deposits 49,751 47,776 4.1% 50,728 -1.9% Total 385,995 391,036 -1.3% 391,022 -1.3% Bank Lending & Funding Loan to Deposit Ratio * Excludingpolicy-basedloans * KRWdeposits(endingbalance) SME 27.2% Household 43.4% Large Corp. 10.2% SOHO 17.9% 3Q26 Core Deposits 27.6% MMDA 9.8% Others 5.2% Time Deposits 57.4% 2Q263Q25 4Q25 1Q26 3Q26 2Q263Q25 4Q25 1Q26 3Q26 BankLoan Composition Card Lending & Funding DigitalTotalAssets/ Liab. & Equity BankLending& Funding KRW Loan (Unit: Wbn) KRW Funding CompositionKRW Lending Composition Low Cost Funding (Core Deposits + MMDA)(Unit: Wtn) Core Deposits LCF ProportionMMDA Deposits (Ending Balance) (Unit: Wbn)
Page 21
20 Unsecured 16.2% Guarantee 15.0% Real Estate 67.4% Deposits &Others 1.0% 43.2% 46.6% 49.5% 50.9% 50.1% Collateral Breakdown Collateral Breakdown Collateral Breakdown Bank Loan Composition 21% 21% 21% 22% 22% 2% 2% 2% 2% 2% 15% 15% 15% 15% 15% 5% 5% 5% 5% 6% 32% 32% 32% 31% 30% 24% 25% 25% 25% 25% 8% 9% 9% 9% 9% 1% 1% 1% 1% 1% 14% 13% 13% 14% 14% 10% 10% 10% 10% 11% 43% 42% 41% 40% 39% 24% 25% 26% 26% 26% 3Q262022 2023 2024 20253Q262022 2023 2024 20253Q262022 2023 2024 2025 Unsecured 15.4% Deposits &Others 0.1% Guarantee 15.6% Real Estate 68.9% Secured Loans 84.6% Unsecured 15.0% Deposits &Others 1.8% Guarantee 22.4% Real Estate 60.8% Secured Loans 85.0% Card Lending & Funding DigitalTotalAssets/ Liab. & Equity BankLending& Funding BankLoan Composition LTV Household Loan Portfolio by Industry SME Manufacturing Construction Wholesale & Retail Accommodation & FoodReal Estate& Leasing SOHO Loan Portfolio by Industry Manufacturing Construction Wholesale & Retail Accommodation & FoodReal Estate& Leasing Others Secured Loans 83.8%
Page 22
21 3Q26 4Q25 YTD 2Q26 QoQ Credit Purchase 7,021 6,339 10.7% 6,528 7.5% Cash Advances 410 396 3.3% 417 -1.7% Card Loans 2,716 2,778 -2.3% 2,834 -4.2% Others 3,736 3,743 -0.2% 3,659 2.1% Total 13,881 13,257 4.7% 13,437 3.3% 3Q26 (YTD) 3Q25 (YTD) YoY 3Q26 2Q26 QoQ Lump-sum payments 63,548 57,956 9.6% 21,630 21,488 0.7% Installment payments 7,592 6,798 11.7% 2,661 2,494 6.7% Cash Advances 2,512 2,391 5.0% 864 837 3.1% Card Loans 1,940 2,115 -8.3% 507 682 -25.7% Others 426 455 -6.2% 106 156 -32.2% Total 76,018 69,715 9.0% 25,768 25,658 0.4% Card Lending & Funding 3Q26 4Q25 YTD 2Q26 QoQ Debentures 9,140 8,840 3.4% 8,590 6.4% Borrowings 760 585 29.9% 840 -9.5% ABS 781 712 9.7% 475 64.5% Total 10,681 10,137 5.4% 9,905 7.8% 13,424 13,513 13,715 13,873 14,044 24,419 25,227 24,593 25,658 25,768 2Q263Q25 4Q25 1Q26 3Q26 BankLoan Composition DigitalTotalAssets/ Liab. & Equity BankLending& Funding Card Lending & Funding Lending (Unit: Wbn) Funding (Unit: Wbn) Transaction Volume (Unit: Wbn) Transaction Volume & Cardholder Growth Volume (Wbn) Cardholders (Thousands)
Page 23
22 23,350 23,498 24,670 26,956 28,650 4,685 4,708 4,935 5,450 5,891 2Q263Q25 4Q25 1Q26 3Q26 Online 74.7% Offline 25.3% 3Q26 2Q26 113,828 30,431 3Q26 115,174 27,633 Offline 4.5% Online 95.5% ※ Online mortgage refinancing program launched in Jan.2024 Unsecured MortgagesHana 1Q Hana Pay 2022 14.0 5.7 2023 15.4 7.6 2024 16.6 9.0 2025 17.6 10.2 3Q26 18.5 11.1 Digital Time/Installment Deposits Funds 2Q26 64,395 2,050 3Q26 49,151 2,297 3Q26 Offline 20.8% Online 79.2% Offline 19.3% Online 80.7% 3Q263Q26 2Q26 47,436 10,682 3Q26 15,994 4,189 2Q26 408,561 177,668 3Q26 575,489 194,809 BankLoan Composition Card Lending & FundingTotalAssets/ Liab. & Equity BankLending& Funding Digital Digital Inclusion (Key Retail Products Sales)Digital Platform Subscribers (Cumulative)(Unit: millions) Online Mortgages (Cumulative) Amount (Wbn) No. of Accounts
Page 24
This document has been prepared by Hana Financial Group Inc. (the “Company”) solely for information purposes and does not constitute or form part of any offer, solicitation,invitationor recommendationto purchase,subscribeor sell any financialinvestmentproduct. Unless specified otherwise, the information presented or contained in this document was based on facts and circumstancesas of the end of September, 2026. The information provided herein, including but not limited to market condition and our business performance, reflects the market situation and the Company'sbusiness strategy as of the aforementioneddate and such informationis subject to change due to various factors arising from any future events or circumstanceswithout any prior notice; provided, however, even if such change occurs, the Company is not obligatedto revise or supplementthe contentof this documentto reflect such change which occurs after the provisionof this document. This document contains certain statements that constitute forward-looking statements. These statements typically contain words such as "believes", "expects", "anticipates","intends", "plans", "foresees", “(E)”, or other words or phrases of similar import. Similarly, statements that describe the matters including but not limited to, the Company's expected business status and financial performancealso are forward-looking statements. These statements are not guaranteesof future results or performanceand involve certain risks, uncertaintiesand assumptionsthat are difficult to predict and often are beyond the Company's control. Actual future situations may differ materially from what is described or implied in these statements and they are subject to change in the future without notice. The Company assumes no duty to and does not undertaketo update any forward-looking statementsto reflect factorsaffectingthese statements. None of the Company, its subsidiaries and affiliates (includingjoint ventures), and their respective officers, directors and employees shall have any liabilitywhatsoever(based on negligenceor otherwise)for any loss arising from any use of this documentor any disclosuretherein. Certain data in this presentation was obtained from various external data sources, and the Company has not verified such data with independent sources. Accordingly, the Company makes no representations as to the accuracy or completeness of that data, and such data involvesrisks and uncertaintiesand is subject to change based on variousfactors. Unless specified otherwise, any business or financial performanceinformationdisclosed herein are based on consolidatedfinancial information prepared in accordance with the Korean InternationalFinancial Reporting Standards (K-IFRS). The information provided in this document has been prepared without having been reviewed by any external auditorsfor investors’convenience. Therefore,please be aware that any financial informationcontainedin this documentremains subjectto change based on external auditors’final review. Any information contained in this document may be used and distributed only for non-commercial purposes without modification after specifyingthe source thereof. Any unauthorizedediting, reproduction,transmission,distribution,quoting, display, translation,or publishing of this documentwithoutthe Company’sprior approvalmay constitutea violationof applicablelaws and/or regulations. This is an English version translated from the original Korean version of the document. While the Company has made an effort to enhance the accuracy during the process of translation,there may still be discrepancies,inconsistencies,errors, or potentialmisunderstandingsarising from such translation. As this English translation is not an official translation, we cannot guarantee the accuracy, reliability, or completeness of this translation. In the event of any conflict or inconsistenciesbetween this English translation and the original document in Korean, the original documentin Korean shall always prevail. The Companyshall not be liable for any error containedin this Englishtranslation. DISCLAIMER Investor Relations 04538 66 Eulji-ro, Jung-gu, Seoul, Republic of Korea hanair@hanafn.com www.hanafn.com