By Helgi Library - September 26, 2019
Shinhan Financial Group made a net profit of KRW 3,198 bil in 2018, up 8.44% compared to the previous year. This implies a retur...
By Helgi Library - September 26, 2019
Shinhan Financial Group made a net profit of KRW 3,198 bil in 2018, up 8.44% compared to the previous year. This implies a retur...
By Helgi Library - September 26, 2019
Shinhan Financial Group's non-performing loans reached 0.436% of total loans at the end of 2018, down from 0.528% compared to the...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | KRW bil | 7,205 | 7,843 | 8,580 |
| Net Fee Income | KRW bil | 1,566 | 1,711 | 1,939 |
| Other Income | KRW bil | 6,383 | 6,039 | 5,348 |
| Total Revenues | KRW bil | 15,154 | 15,593 | 15,868 |
| Staff Cost | KRW bil | 2,826 | 3,148 | 3,009 |
| Operating Profit | KRW bil | 4,307 | 4,842 | 5,249 |
| Provisions | KRW bil | 1,196 | 1,014 | 748 |
| Net Profit | KRW bil | 2,825 | 2,949 | 3,198 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | KRW bil | ... | ... | ... |
| Customer Loans | KRW bil | 259,011 | 275,566 | 299,609 |
| Total Assets | KRW bil | 395,680 | 426,307 | 459,600 |
| Shareholders' Equity | KRW bil | 31,745 | 33,704 | 36,651 |
| Interbank Borrowing | KRW bil | 34,312 | 35,338 | 37,678 |
| Customer Deposits | KRW bil | 235,138 | 249,419 | 265,000 |
| Issued Debt Securities | KRW bil | 44,327 | 51,341 | 63,228 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 8.89 | 9.01 | 9.09 |
| ROA | % | 0.737 | 0.718 | 0.722 |
| Costs (As % Of Assets) | % | 2.83 | 2.62 | 2.40 |
| Costs (As % Of Income) | % | 71.6 | 68.9 | 66.9 |
| Capital Adequacy Ratio | % | 15.0 | 14.8 | 14.9 |
| Net Interest Margin | % | 1.88 | 1.91 | 1.94 |
| Loans (As % Of Deposits) | % | 110 | 110 | 113 |
| NPLs (As % Of Loans) | % | 0.611 | 0.528 | 0.436 |
| Provisions (As % Of NPLs) | % | 148 | 157 | 207 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | 0.987 | 2.89 | 1.76 |
| Operating Cost Growth | % | 0.785 | -0.892 | -1.23 |
| Operating Profit Growth | % | 1.50 | 12.4 | 8.40 |
| Net Profit Growth | % | 15.5 | 4.40 | 8.44 |
| Customer Loan Growth | % | 5.10 | 6.39 | 8.73 |
| Total Asset Growth | % | 6.78 | 7.74 | 7.81 |
| Customer Deposit Growth | % | 8.02 | 6.07 | 6.25 |
| Shareholders' Equity Growth | % | -0.203 | 6.17 | 8.75 |
Get all company financials in excel:
| summary | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||
| Net Interest Income | KRW bil | ... | ... | ... | 6,980 | 6,603 | 6,790 | 6,693 | 7,205 | ||
| Total Revenues | KRW bil | ... | ... | ... | 14,063 | 13,792 | 14,267 | 15,006 | 15,154 | ||
| Operating Profit | KRW bil | ... | ... | ... | 4,624 | 3,997 | 3,718 | 4,243 | 4,307 | ||
| Net Profit | KRW bil | ... | ... | ... | 2,492 | 2,060 | 2,200 | 2,446 | 2,825 | ||
| balance sheet | |||||||||||
| Interbank Loans | KRW bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Customer Loans | KRW bil | 200,289 | 205,723 | 221,618 | 246,441 | 259,011 | |||||
| Debt Securities | KRW bil | 67,919 | 66,720 | 72,159 | 76,250 | 87,933 | |||||
| Total Assets | KRW bil | 304,939 | 311,297 | 338,022 | 370,540 | 395,680 | |||||
| Shareholders' Equity | KRW bil | 28,913 | 29,860 | 30,515 | 31,810 | 31,745 | |||||
| Interbank Borrowing | KRW bil | 25,711 | 27,310 | 34,659 | 30,691 | 34,312 | |||||
| Customer Deposits | KRW bil | 173,296 | 178,810 | 193,710 | 217,676 | 235,138 | |||||
| Issued Debt Securities | KRW bil | 38,839 | 37,491 | 37,335 | 41,221 | 44,327 | |||||
| ratios | |||||||||||
| ROE | % | ... | ... | ... | 8.94 | 7.01 | 7.29 | 7.85 | 8.89 | ||
| ROA | % | ... | ... | ... | 0.840 | 0.668 | 0.678 | 0.690 | 0.737 | ||
| Costs (As % Of Assets) | % | ... | ... | ... | 3.18 | 3.18 | 3.25 | 3.04 | 2.83 | ||
| Costs (As % Of Income) | % | ... | ... | ... | 67.1 | 71.0 | 73.9 | 71.7 | 71.6 | ||
| Capital Adequacy Ratio | % | 12.5 | 13.4 | 13.0 | 13.4 | 15.0 | |||||
| Net Interest Margin | % | ... | ... | ... | 2.35 | 2.14 | 2.09 | 1.89 | 1.88 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 49.6 | 47.9 | 47.6 | 44.6 | 47.5 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 11.0 | 10.1 | 10.3 | 10.8 | 10.3 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 25.8 | 25.5 | 26.0 | 25.7 | 26.1 | ||
| Equity (As % Of Assets) | % | 9.48 | 9.59 | 9.03 | 8.58 | 8.02 | |||||
| Loans (As % Of Deposits) | % | 116 | 115 | 114 | 113 | 110 | |||||
| Loans (As % Assets) | % | 65.7 | 66.1 | 65.6 | 66.5 | 65.5 | |||||
| NPLs (As % Of Loans) | % | 1.07 | 0.956 | 0.906 | 0.680 | 0.611 | |||||
| Provisions (As % Of NPLs) | % | 131 | 126 | 125 | 137 | 148 | |||||
| valuation | |||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | 474 | 474 | 474 | 474 | 474 | ||
| Earnings Per Share (EPS) | KRW | ... | ... | ... | 5,255 | 4,343 | 4,639 | 5,158 | 5,957 | ||
| Book Value Per Share | KRW | ... | ... | ... | 60,973 | 62,969 | 64,350 | 67,081 | 66,944 | ||
| Dividend Per Share | ... | ... | ... | 700 | 650 | 950 | 1,200 | 1,450 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | -17.3 | 6.80 | 11.2 | 15.5 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | 3.27 | 2.19 | 4.24 | -0.203 |
| income statement | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||
| Interest Income | KRW bil | ... | ... | ... | 13,998 | 12,588 | 12,061 | 11,130 | 11,236 | ||
| Interest Cost | KRW bil | ... | ... | ... | 7,018 | 5,985 | 5,271 | 4,437 | 4,031 | ||
| Net Interest Income | KRW bil | ... | ... | ... | 6,980 | 6,603 | 6,790 | 6,693 | 7,205 | ||
| Net Fee Income | KRW bil | ... | ... | ... | 1,543 | 1,386 | 1,469 | 1,621 | 1,566 | ||
| Other Income | KRW bil | ... | ... | ... | 5,540 | 5,803 | 6,008 | 6,692 | 6,383 | ||
| Total Revenues | KRW bil | ... | ... | ... | 14,063 | 13,792 | 14,267 | 15,006 | 15,154 | ||
| Staff Cost | KRW bil | ... | ... | 2,434 | 2,498 | 2,740 | 2,769 | 2,826 | |||
| Depreciation | KRW bil | ... | ... | 299 | 320 | 313 | 269 | 252 | |||
| Other Cost | KRW bil | ... | ... | ... | 6,706 | 6,977 | 7,496 | 7,725 | 7,770 | ||
| Operating Cost | KRW bil | ... | ... | ... | 9,439 | 9,794 | 10,548 | 10,763 | 10,847 | ||
| Operating Profit | KRW bil | ... | ... | ... | 4,624 | 3,997 | 3,718 | 4,243 | 4,307 | ||
| Provisions | KRW bil | ... | ... | ... | 1,446 | 1,355 | 944 | 1,264 | 1,196 | ||
| Extra and Other Cost | KRW bil | ... | ... | ... | -67.6 | -42.9 | -112 | -81.0 | -65.4 | ||
| Pre-Tax Profit | KRW bil | ... | ... | ... | 3,246 | 2,686 | 2,886 | 3,060 | 3,176 | ||
| Tax | KRW bil | ... | ... | ... | 739 | 623 | 668 | 695 | 346 | ||
| Minorities | KRW bil | ... | ... | ... | 170 | 157 | 119 | 78.8 | 50.1 | ||
| Net Profit | KRW bil | ... | ... | ... | 2,492 | 2,060 | 2,200 | 2,446 | 2,825 | ||
| Dividends | KRW bil | ... | ... | ... | 332 | 308 | 450 | 569 | 688 | ||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | -5.40 | 2.83 | -1.43 | 7.66 | ||
| Net Fee Income Growth | % | ... | ... | ... | ... | -10.2 | 5.97 | 10.3 | -3.42 | ||
| Total Revenue Growth | % | ... | ... | ... | ... | -1.93 | 3.44 | 5.18 | 0.987 | ||
| Operating Cost Growth | % | ... | ... | ... | ... | 3.76 | 7.70 | 2.03 | 0.785 | ||
| Operating Profit Growth | % | ... | ... | ... | ... | -13.5 | -6.99 | 14.1 | 1.50 | ||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | -17.2 | 7.44 | 6.04 | 3.80 | ||
| Net Profit Growth | % | ... | ... | ... | ... | -17.3 | 6.80 | 11.2 | 15.5 |
| balance sheet | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||
| Cash | KRW bil | 8,978 | 10,330 | 10,321 | 11,040 | 10,075 | |||||
| Interbank Loans | KRW bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Customer Loans | KRW bil | 200,289 | 205,723 | 221,618 | 246,441 | 259,011 | |||||
| Retail Loans | KRW bil | 92,391 | 94,815 | 103,071 | 114,555 | ... | ... | ... | |||
| Mortgage Loans | KRW bil | 0 | 0 | 0 | 0 | 0 | |||||
| Consumer Loans | KRW bil | 92,391 | 94,815 | 103,071 | 114,555 | ... | ... | ... | |||
| Corporate Loans | KRW bil | 102,861 | 104,544 | 113,990 | 127,027 | ... | ... | ... | |||
| Debt Securities | KRW bil | 67,919 | 66,720 | 72,159 | 76,250 | 87,933 | |||||
| Fixed Assets | KRW bil | 7,304 | 7,441 | 7,300 | 7,313 | 7,372 | |||||
| Total Assets | KRW bil | 304,939 | 311,297 | 338,022 | 370,540 | 395,680 | |||||
| Shareholders' Equity | KRW bil | 28,913 | 29,860 | 30,515 | 31,810 | 31,745 | |||||
| Of Which Minority Interest | KRW bil | 2,541 | 2,317 | 1,331 | 970 | 635 | |||||
| Liabilities | KRW bil | 276,026 | 281,437 | 307,507 | 338,730 | 363,935 | |||||
| Interbank Borrowing | KRW bil | 25,711 | 27,310 | 34,659 | 30,691 | 34,312 | |||||
| Customer Deposits | KRW bil | 173,296 | 178,810 | 193,710 | 217,676 | 235,138 | |||||
| Sight Deposits | KRW bil | 52,171 | 59,144 | 68,950 | 83,639 | 93,632 | |||||
| Term Deposits | KRW bil | 121,125 | 119,666 | 124,760 | 134,037 | 141,506 | |||||
| Issued Debt Securities | KRW bil | 38,839 | 37,491 | 37,335 | 41,221 | 44,327 | |||||
| Other Liabilities | KRW bil | 38,181 | 37,826 | 41,804 | 49,142 | 50,159 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | KRW bil | 2,173 | 1,990 | 2,032 | 1,692 | 1,596 | |||||
| Gross Loans | KRW bil | 203,128 | 208,238 | 224,156 | 248,760 | 261,371 | |||||
| Total Provisions | KRW bil | 2,840 | 2,516 | 2,538 | 2,318 | 2,361 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 4.01 | 2.71 | 7.73 | 11.2 | 5.10 | ||||
| Retail Loan Growth | % | ... | 5.79 | 2.62 | 8.71 | 11.1 | ... | ... | ... | ||
| Consumer Loan Growth | % | ... | 5.79 | 2.62 | 8.71 | 11.1 | ... | ... | ... | ||
| Corporate Loan Growth | % | ... | 2.62 | 1.64 | 9.03 | 11.4 | ... | ... | ... | ||
| Total Asset Growth | % | ... | 5.84 | 2.08 | 8.59 | 9.62 | 6.78 | ||||
| Shareholders' Equity Growth | % | ... | 7.65 | 3.27 | 2.19 | 4.24 | -0.203 | ||||
| Customer Deposit Growth | % | ... | 6.31 | 3.18 | 8.33 | 12.4 | 8.02 |
| ratios | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||
| ROE | % | ... | ... | ... | 8.94 | 7.01 | 7.29 | 7.85 | 8.89 | ||
| ROA | % | ... | ... | ... | 0.840 | 0.668 | 0.678 | 0.690 | 0.737 | ||
| Costs (As % Of Assets) | % | ... | ... | ... | 3.18 | 3.18 | 3.25 | 3.04 | 2.83 | ||
| Costs (As % Of Income) | % | ... | ... | ... | 67.1 | 71.0 | 73.9 | 71.7 | 71.6 | ||
| Capital Adequacy Ratio | % | 12.5 | 13.4 | 13.0 | 13.4 | 15.0 | |||||
| Tier 1 Ratio | % | 9.51 | 11.3 | 11.2 | 11.4 | 13.2 | |||||
| Net Interest Margin | % | ... | ... | ... | 2.35 | 2.14 | 2.09 | 1.89 | 1.88 | ||
| Interest Spread | % | ... | ... | ... | 2.11 | 1.94 | 1.92 | 1.77 | 1.79 | ||
| Asset Yield | % | ... | ... | ... | 4.72 | 4.09 | 3.71 | 3.14 | 2.93 | ||
| Cost Of Liabilities | % | ... | ... | ... | 2.61 | 2.15 | 1.79 | 1.37 | 1.15 | ||
| Payout Ratio | % | ... | ... | ... | 13.3 | 15.0 | 20.5 | 23.3 | 24.3 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 49.6 | 47.9 | 47.6 | 44.6 | 47.5 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 11.0 | 10.1 | 10.3 | 10.8 | 10.3 | ||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 39.4 | 42.1 | 42.1 | 44.6 | 42.1 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 25.8 | 25.5 | 26.0 | 25.7 | 26.1 | ||
| Equity (As % Of Assets) | % | 9.48 | 9.59 | 9.03 | 8.58 | 8.02 | |||||
| Loans (As % Of Deposits) | % | 116 | 115 | 114 | 113 | 110 | |||||
| Loans (As % Assets) | % | 65.7 | 66.1 | 65.6 | 66.5 | 65.5 | |||||
| NPLs (As % Of Loans) | % | 1.07 | 0.956 | 0.906 | 0.680 | 0.611 | |||||
| Provisions (As % Of NPLs) | % | 131 | 126 | 125 | 137 | 148 | |||||
| Provisions (As % Of Loans) | % | 1.42 | 1.22 | 1.15 | 0.941 | 0.911 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 0.736 | 0.667 | 0.442 | 0.540 | 0.473 |
| other data | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||||
| Profit From Abroad | KRW bil | ... | ... | 139 | 95.7 | 126 | 173 | 180 | |||
| Profit From Abroad (As % Of Total) | % | ... | ... | ... | 5.59 | 4.65 | 5.71 | 7.05 | 6.36 | ||
| Sight (As % Of Customer Deposits) | % | 30.1 | 33.1 | 35.6 | 38.4 | 39.8 |
Get all company financials in excel:
By Helgi Library - September 26, 2019
Shinhan Financial Group's non-performing loans reached 0.436% of total loans at the end of 2018, down from 0.528% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.07% in 2012 and an all time low of 0.436% in 2018. Provisi...
By Helgi Library - September 26, 2019
Shinhan Financial Group's capital adequacy ratio reached 14.9% at the end of 2018, up from 14.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.0% in 2016 and an all time low of 11.4% in 2011. The Tier 1 ratio...
By Helgi Library - September 26, 2019
Shinhan Financial Group's capital adequacy ratio reached 14.9% at the end of 2018, up from 14.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.0% in 2016 and an all time low of 11.4% in 2011. The Tier 1 ratio...
By Helgi Library - September 26, 2019
Shinhan Financial Group generated total banking revenues of KRW 15,868 bil in 2018, up 1.76% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of KRW 15,868 bil in...
By Helgi Library - September 26, 2019
Shinhan Financial Group generated total banking revenues of KRW 15,868 bil in 2018, up 1.76% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of KRW 15,868 bil in...
By Helgi Library - September 26, 2019
Shinhan Financial Group's net interest margin amounted to 1.94% in 2018, up from 1.91% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.35% in 2012 and an all time low of 1.88% in 2016. The averag...
By Helgi Library - September 26, 2019
Shinhan Financial Group's net interest margin amounted to 1.94% in 2018, up from 1.91% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.35% in 2012 and an all time low of 1.88% in 2016. The averag...
By Helgi Library - September 26, 2019
Shinhan Financial Group's customer loan growth reached 8.73% in 2018, up from 6.39% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 11.2% in 2015 and an all time low of 2.71% in 2013. In the last decade, th...
By Helgi Library - September 26, 2019
Shinhan Financial Group's customer loan growth reached 8.73% in 2018, up from 6.39% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 11.2% in 2015 and an all time low of 2.71% in 2013. In the last decade, th...
By Helgi Library - September 26, 2019
Shinhan Financial Group's loans reached KRW 248,760 bil in the 2015, up from KRW 224,156 bil compared to the previous year. Historically, the bank’s loans reached an all time high of KRW 248,760 bil in 2015 and an all time low of KRW 184,199 bil in 2010. ...
Shinhan Financial Group has been growing its revenues and asset by 2.84% and 8.10% a year on average in the last 5 years. Its loans and deposits have grown by 7.81% and 8.19% a year during that time and loans to deposits ratio reached 113% at the end of 2018. The company achieved an average return on equity of 8.43% in the last five years with net profit growing 9.20% a year on average. In terms of operating efficiency, its cost to income ratio reached 66.9% in 2018, compared to 70.6% average in the last five years.
Equity represented 7.97% of total assets or 12.2% of loans at the end of 2018. Shinhan Financial Group's non-performing loans were 0.436% of total loans while provisions covered some 207% of NPLs at the end of 2018.
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