Company: SHG
Filing Date: 2025-11-14
Form Type: 6-K
Source: 0001193125-25-281277
Chunk: 3

Company: SHINHAN FINANCIAL GROUP CO LTD
Filing Date: 2025-11-14
Form: 6-K
Chunk 3
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80% to 70% by end of June 2022, in order to support the capacity of banks to provide funding to businesses affected by COVID-19. Starting from September 2022, the regulation will be reinstated to 80.0%. ▪ Foreign Currency Liquidity Coverage Ratio started from January 2017, and is calculated by quarterly average. ▪

3) Asset Quality SFG Consolidated Basis

| (KRW billion)                      | Sept. 30, 2025 | Dec. 31, 2024 | Dec. 31, 2023 |
|:-----------------------------------|---------------:|--------------:|--------------:|
| Total Loans                        |      470,855.6 |     452,826.9 |     413,664.8 |
| Substandard & Below                |        3,631.0 |       3,562.4 |       2,668.4 |
| Substandard & Below Ratio          |          0.77% |         0.79% |         0.65% |
| Non-Performing Loans               |        3,123.0 |       2,974.7 |       2,176.6 |
| NPL Ratio                          |          0.66% |         0.66% |         0.53% |
| Substandard & Below Coverage Ratio |        123.61% |       132.48% |       165.61% |
| Loan Loss Allowance                |        4,488.3 |       4,719.3 |       4,419.1 |
| Substandard & Below Loans          |        3,631.0 |       3,562.4 |       2,668.4 |

Separate Basis

|                           |       (%) |                      Sept. 30 2025 |                           |           |                       Dec. 31 2024 |                           |           |                          Dec. 31 2023 |     |
|:--------------------------|----------:|-----------------------------------:|--------------------------:|----------:|-----------------------------------:|--------------------------:|----------:|--------------------------------------:|----:|
| Substandard & Below Ratio | NPL Ratio | Substandard & Below Coverage Ratio | Substandard & Below Ratio | NPL Ratio | Substandard & Below Coverage Ratio | Substandard & Below Ratio | NPL Ratio | Substandard & Below Coverage Ratio