Cash flow Woori Financial Group Inc.

Equities

A316140

KR7316140003

Banks

End-of-day quote Korea S.E. Other stock markets 05/12/2025			5-day change	1st Jan Change
28,500.00 ^KRW	+0.88%		+7.34%	+85.43%

11-06	Woori Financial Group Inc. acquired 5% stake in BDACS Inc.	CI
10-31	Woori Financial Group Inc. Reports Earnings Results for the Third Quarter Ended September 30, 2025	CI

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Published financial data: WOORI FINANCIAL GROUP INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	9,038B	9,467B	13,915B	19,450B	20,495B
Interest Income On Investments	625B	737B	899B	1,432B	1,829B
Interest Income, Total	9,662B	10,204B	14,815B	20,882B	22,324B
Interest On Deposits	3,525B	2,909B	5,958B	11,899B	13,127B
Interest Expense, Total	3,525B	2,909B	5,958B	11,899B	13,127B
Net Interest Income	6,137B	7,295B	8,857B	8,983B	9,197B
Gain (Loss) on Sale of Loans	44.44B	107B	74.2B	204B	287B
Gain (Loss) on Sale of Assets	7B	47.73B	52.68B	3.39B	4.83B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	26.94B	103B	-24.59B	-5.11B	116B
Total Other Non Interest Income	1,437B	1,796B	1,949B	2,209B	3,579B
Non Interest Income, Total	1,516B	2,055B	2,051B	2,411B	3,986B
Revenues Before Provison For Loan Losses	7,653B	9,350B	10,908B	11,394B	13,183B
Provision For Loan Losses	784B	537B	885B	1,895B	1,716B
Total Revenues	6,869B	8,813B	10,022B	9,499B	11,467B
Salaries And Other Employee Benefits	7.5B	17.77B	9.63B	12.95B	27.63B
Selling General & Admin Expenses, Total	3,819B	3,995B	4,362B	4,240B	4,239B
(Income) Loss on Equity Invest.	-101B	-62.2B	-70B	-110B	-76.26B
Total Other Non Interest Expense	950B	1,022B	1,170B	1,711B	2,921B
Non Operating (Income) Expenses	250B	14.68B	29.5B	74.59B	101B
Non Interest Expense, Total	4,925B	4,987B	5,502B	5,929B	7,212B
EBT, Excl. Unusual Items	1,943B	3,826B	4,521B	3,570B	4,255B
Total Merger & Related Restructuring Charges	-1.07B	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-
Asset Writedown	-8.59B	-490M	50M	101M	-3.48B
Legal Settlements	-	-	-	-	-
Other Unusual Items	67.43B	-75.92B	-35.28B	-52.85B	-28.51B
EBT, Incl. Unusual Items	2,001B	3,749B	4,485B	3,517B	4,223B
Income Tax Expense	486B	942B	1,161B	891B	1,051B
Earnings From Continuing Operations	1,515B	2,807B	3,324B	2,627B	3,171B
Net Income to Company	1,515B	2,807B	3,324B	2,627B	3,171B
Minority Interest	-208B	-219B	-182B	-121B	-85.47B
Net Income - (IS)	1,307B	2,588B	3,142B	2,506B	3,086B
Preferred Dividend and Other Adjustments	48.92B	66.25B	91.76B	131B	159B
Net Income to Common Incl Extra Items	1,258B	2,522B	3,050B	2,375B	2,927B
Net Income to Common Excl. Extra Items	1,258B	2,522B	3,050B	2,375B	2,927B
Per Share Items
Net EPS - Basic	1.74K	3.48K	4.19K	3.23K	3.95K
Basic EPS - Continuing Operations	1.74K	3.48K	4.19K	3.23K	3.95K
Basic Weighted Average Shares Outstanding	722M	724M	728M	735M	741M
Net EPS - Diluted	1.74K	3.48K	4.19K	3.23K	3.95K
Diluted EPS - Continuing Operations	1.74K	3.48K	4.19K	3.23K	3.95K
Diluted Weighted Average Shares Outstanding	722M	724M	728M	735M	741M
Normalized Basic EPS	1.39K	3K	3.63K	2.87K	3.47K
Normalized Diluted EPS	1.39K	3K	3.63K	2.87K	3.47K
Dividend Per Share	360	900	1.13K	1K	1.2K
Payout Ratio	42.42	16.79	23.77	44.27	33.6
American Depositary Receipts Ratio (ADR)	3	3	3	3	3
Supplemental Items
Effective Tax Rate - (Ratio)	24.28	25.12	25.89	25.32	24.9
Total Current Taxes	506B	887B	1,327B	672B	620B
Total Deferred Taxes	-20.14B	54.95B	-165B	219B	431B
Normalized Net Income	1,007B	2,172B	2,643B	2,111B	2,574B
Non-Cash Pension Expense	119M	-1.11B	-1.68B	-18.87B	-14.02B
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	7.5B	17.77B	9.63B	12.95B	27.63B
Total Stock-Based Compensation	7.5B	17.77B	9.63B	12.95B	27.63B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	9,991B	7,566B	11,254B	16,179B	14,614B
Investment Securities, Total	48,162B	54,955B	49,370B	46,301B	54,476B
Trading Asset Securities, Total	14,159B	12,609B	18,772B	20,265B	23,157B
Total investments	62,321B	67,564B	68,142B	66,566B	77,633B
Gross Loans	294,564B	328,361B	339,414B	358,207B	378,885B
Allowance For Loan Losses	-1,909B	-1,887B	-2,334B	-2,975B	-3,358B
Other Adjustments to Gross Loans	-6.66B	-7.3B	-10.24B	-11.36B	-9.27B
Net Loans	292,648B	326,467B	337,070B	355,221B	375,518B
Gross Property Plant And Equipment	6,688B	7,412B	8,453B	9,537B	10,832B
Accumulated Depreciation	-2,285B	-2,459B	-2,719B	-3,075B	-3,539B
Net Property Plant And Equipment	4,403B	4,953B	5,733B	6,463B	7,293B
Goodwill	334B	345B	398B	445B	483B
Other Intangibles, Total	249B	232B	239B	310B	333B
Investment in Real Estate	387B	389B	388B	473B	451B
Accrued Interest Receivable	864B	1,050B	1,667B	1,972B	1,779B
Other Receivables	7,356B	12,643B	8,344B	11,151B	9,011B
Restricted Cash	6,519B	10,219B	23,125B	14,378B	12,667B
Other Current Assets, Total	1,975B	2,143B	2,329B	2,560B	3,628B
Deferred Tax Assets Long-Term (Collected)	46.09B	31.13B	109B	93.37B	72.94B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Deferred Charges Long-Term	209B	208B	213B	242B	276B
Other Long-Term Assets, Total	11,778B	13,374B	21,464B	21,952B	21,993B
Total Assets	399,081B	447,184B	480,474B	498,005B	525,753B
Liabilities
Accounts Payable, Total	-	6,954B	5,981B	10,167B	7,237B
Accrued Expenses, Total	-	2,071B	3,219B	4,339B	4,694B
Interest Bearing Deposits	291,477B	317,900B	342,105B	357,784B	367,369B
Total Deposits	291,477B	317,900B	342,105B	357,784B	367,369B
Short-Term Borrowings	6,829B	8,271B	13,003B	12,582B	17,553B
Current Portion of Leases	174B	151B	170B	208B	195B
Long-Term Debt	58,225B	69,082B	72,221B	71,104B	76,918B
Long-Term Leases	234B	193B	149B	126B	332B
Current Income Taxes Payable	371B	584B	844B	104B	127B
Other Current Liabilities - (Bank / Utility Template)	49.28B	847B	858B	927B	977B
Unearned Revenue Non Current	255B	724B	565B	662B	1,142B
Pension & Other Post Retirement Benefits	52.24B	47.99B	35.2B	6.94B	5.42B
Deferred Tax Liability Non-Current	160B	187B	31.8B	470B	859B
Other Non Current Liabilities	14,529B	11,322B	9,665B	6,126B	12,450B
Total Liabilities	372,355B	418,334B	448,847B	464,607B	489,858B
Common Stock, Total	3,611B	3,640B	3,640B	3,803B	3,803B
Additional Paid In Capital	626B	682B	682B	936B	934B
Retained Earnings	19,268B	21,393B	23,750B	24,986B	26,951B
Treasury Stock	-	-	-3.82B	-39.35B	-35.52B
Comprehensive Income and Other	-452B	127B	693B	1,982B	2,445B
Total Common Equity	23,054B	25,842B	28,762B	31,667B	34,097B
Minority Interest	3,672B	3,008B	2,865B	1,731B	1,798B
Total Equity	26,726B	28,850B	31,627B	33,397B	35,895B
Total Liabilities And Equity	399,081B	447,184B	480,474B	498,005B	525,753B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	722M	728M	728M	752M	740M
ECS Total Common Shares Outstanding	722M	728M	728M	752M	740M
Book Value / Share	29.29K	32.34K	35.23K	37.31K	40.95K
Tangible Book Value	22,470B	25,264B	28,125B	30,912B	33,281B
Tangible Book Value Per Share	28.49K	31.55K	34.36K	36.31K	39.85K
Total Debt	65,462B	77,696B	85,543B	84,020B	94,998B
Deposits at Interest - Cash	551B	159B	90.01B	128B	174B
Debt Equivalent of Unfunded Proj. Benefit Obligation	46.58B	26.64B	-284B	-233B	-141B
Net Debt	31,166B	47,188B	48,668B	44,220B	46,676B
Equity Method Investments, Total	993B	1,335B	1,306B	1,795B	1,749B
Full Time Employees	-	-	-	-	-
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	1,507B	2,300B	3,320B	4,200B	5,132B
Assets on Operating Lease - Accumulated Depreciation	-391B	-522B	-730B	-914B	-1,210B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1,307B	2,588B	3,142B	2,506B	3,086B
Depreciation, Depletion & Amortization	399B	643B	766B	832B	995B
Amortization of Goodwill and Intangible Assets - (CF)	65.04B	69.18B	75.54B	84.76B	93.87B
Total Depreciation, Depletion & Amortization	464B	712B	842B	917B	1,088B
Amortization of Deferred Charges, Total	71.62B	80.13B	87.29B	76.19B	75.42B
(Gain) Loss On Sale of Asset - (CF)	-7B	-47.73B	9.52B	-3.39B	6.06B
(Gain) Loss on Sale of Investments - (CF)	-9.61B	-221B	691B	-692B	-1,621B
Total Asset Writedown	8.59B	490M	-50M	-101M	3.48B
Provision for Credit Losses	784B	537B	885B	1,895B	1,716B
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Change in Trading Asset Securities	-875B	42.5B	-1,648B	-1,716B	1,595B
Change in Other Net Operating Assets (Collected)	-25,955B	-29,602B	-9,890B	-17,577B	-18,485B
Other Operating Activities	439B	279B	968B	1,039B	2,995B
Cash from Operations	-23,772B	-25,631B	-4,912B	-13,555B	-9,541B
Capital Expenditure	-149B	-119B	-173B	-165B	-222B
Sale of Property, Plant, and Equipment	22.83B	96.65B	97.26B	26.16B	34.64B
Cash Acquisitions	-313B	-1.64B	-725B	-829B	-673B
Divestitures	-	-	-	-464M	-
Purchase / Sale of Intangible Assets	-114B	-138B	-174B	-226B	-186B
Sale (Purchase) of Real Estate Properties (Collected)	-76.24B	-	2.06B	-99.23B	64.93B
Investment in Marketable and Equity Securities, Total	-853B	-10,571B	-6,059B	-969B	1,073B
Other Investing Activities, Total	26.64B	66.3B	62.39B	8.72B	-127B
Cash from Investing	-1,456B	-10,667B	-6,969B	-2,254B	-34.3B
Long-Term Debt Issued, Total	25,117B	35,875B	26,284B	33,434B	41,068B
Total Debt Issued	25,117B	35,875B	26,284B	33,434B	41,068B
Long-Term Debt Repaid, Total	-22,374B	-25,959B	-24,075B	-34,490B	-38,723B
Total Debt Repaid	-22,374B	-25,959B	-24,075B	-34,490B	-38,723B
Issuance of Common Stock	898B	399B	818B	522B	1,202B
Repurchase of Common Stock	-599B	-591B	-643B	-1,258B	-1,864B
Common Dividends Paid	-555B	-435B	-747B	-1,110B	-1,037B
Common & Preferred Stock Dividends Paid	-555B	-435B	-747B	-1,110B	-1,037B
Net Increase (Decrease) in Deposit Accounts - (CF)	27,378B	23,830B	23,536B	15,176B	3,412B
Other Financing Activities, Total	-120B	-213B	282B	41.66B	600B
Cash from Financing	29,745B	32,906B	25,456B	12,316B	4,657B
Foreign Exchange Rate Adjustments	-918B	967B	30.86B	-170B	1,643B
Net Change in Cash	3,598B	-2,425B	13,606B	-3,663B	-3,275B
Supplemental Items
Cash Interest Paid	4,008B	3,017B	4,966B	10,627B	12,484B
Cash Income Tax Paid (Refund)	315B	566B	1,030B	1,540B	425B
Net Debt Issued / Repaid	2,743B	9,916B	2,209B	-1,056B	2,344B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.4	0.66	0.72	0.54	0.62
Return On Equity %	5.8	10.1	10.99	8.08	9.15
Return on Common Equity	5.65	10.31	11.17	7.86	8.9
Shareholders Value Added	-1,301B	-277B	-59.01B	-1,035B	-766B
Margin Analysis
SG&A Margin	55.29	45.16	43.24	44.36	36.86
Net Interest Income / Total Revenues %	89.35	82.78	88.37	94.56	80.2
EBT Excl. Non-Recurring Items Margin %	28.3	43.41	45.11	37.58	37.11
Income From Continuing Operations Margin %	22.06	31.86	33.17	27.65	27.66
Net Income Margin %	19.03	29.37	31.35	26.38	26.91
Net Avail. For Common Margin %	18.32	28.61	30.43	25	25.53
Normalized Net Income Margin	14.66	24.64	26.37	22.22	22.45
Asset quality
Nonperforming Loans / Total Loans %	0.49	0.35	0.4	0.49	0.67
Nonperforming Loans / Total Assets %	0.36	0.26	0.28	0.35	0.49
Nonperforming Assets / Total Assets %	0.36	0.26	0.28	0.35	0.49
NPAs / Loans and OREO	0.49	0.35	0.4	0.49	0.67
NPAs / Equity	5.37	4.01	4.33	5.25	7.11
Allowance for Credit Losses / Net Charge-offs %	408.02	436.65	680.38	389.78	441.45
Allowance for Credit Losses / Nonperforming Loans %	132.99	162.96	170.44	169.78	131.48
Allowance for Credit Losses / Total Loans %	0.65	0.57	0.69	0.83	0.89
Provision for Loan Losses / Net Charge-offs %	167.69	124.24	258.05	248.26	225.65
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.86	5.78	5.89	6.18	6.42
Total Average Equity / Total Average Assets %	6.86	6.57	6.52	6.65	6.77
Total Equity + Allowance for Loan Losses / Total Loans %	8.47	8.44	9.16	9.67	9.89
Gross Loans / Total Deposits %	101.06	103.29	99.21	100.12	103.13
Net Loans / Total Deposits %	100.4	102.69	98.53	99.28	102.22
Tier 1 Capital Ratio %	11.78	13.29	13.62	14.08	14.2
Total Capital Ratio %	13.84	15.05	15.3	15.81	15.71
Core Tier 1 Capital Ratio	10	11.43	11.57	11.99	12.13
Tier 2 Capital Ratio	2.06	1.76	1.67	1.74	1.5
Coverage Ratio	132.99	162.96	170.44	169.78	131.48
Interbank Ratio	84.82	81.79	41.32	94.34	131.47
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.57	2.29	1.75	1.3	1.32
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.26	18.87	21.41	1.43	2.38
Non Interest Income, 1 Yr. Growth %	22.31	35.65	-0.19	17.56	65.33
Provision For Loan Losses, 1 Yr. Growth %	109.59	-31.56	64.9	114.05	-9.43
Total Revenues, 1 Yr. Growth %	0.02	28.33	13.72	-5.22	20.71
Earnings From Cont. Operations, 1 Yr. Growth %	-25.64	85.27	18.4	-20.97	20.73
Net Income, 1 Yr. Growth %	-30.18	97.97	21.4	-20.22	23.13
Normalized Net Income, 1 Yr. Growth %	-35.22	89.45	21.71	-20.14	21.94
Diluted EPS Before Extra, 1 Yr. Growth %	-36.06	99.8	20.4	-22.94	22.27
Dividend Per Share, 1 Yr. Growth %	-48.57	150	25.56	-11.5	20
Gross Loans, 1 Yr. Growth %	11.73	11.47	3.37	5.54	5.77
Allowance For Loan Losses, 1 Yr. Growth %	21.17	-1.14	23.72	27.46	12.86
Net Loans, 1 Yr. Growth %	11.68	11.56	3.25	5.38	5.71
Non Performing Loans, 1 Yr. Growth %	3.52	-19.32	18.28	27.95	45.73
Non Performing Assets, 1 Yr. Growth %	3.52	-19.32	18.28	27.95	45.73
Total Assets, 1 Yr. Growth %	10.25	12.05	7.44	3.65	5.57
Total Deposits, 1 Yr Growth %	10.12	9.06	7.61	4.58	2.68
Tangible Book Value, 1 Yr. Growth %	7.56	12.43	11.32	9.91	7.66
Common Equity, 1 Yr. Growth %	7.17	12.1	11.3	10.1	7.67
Total Equity, 1 Yr. Growth %	4.84	7.95	9.63	5.6	7.48
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	3.39	10.25	20.13	10.97	1.9
Non Interest Income, 2 Yr. CAGR %	2.5	28.76	16.36	8.32	39.42
Provision For Loan Losses, 2 Yr. CAGR %	54.27	19.77	6.24	87.88	39.24
Total Revenues, 2 Yr. CAGR %	0.1	13.29	20.8	3.82	6.96
Earnings From Cont. Operations, 2 Yr. CAGR %	-14.06	17.38	48.11	-3.27	-2.32
Net Income, 2 Yr. CAGR %	-19.81	17.57	55.02	-1.59	-0.89
Normalized Net Income, 2 Yr. CAGR %	-23.81	18.21	51.85	-1.41	-1.32
Diluted EPS Before Extra, 2 Yr. CAGR %	-21.05	13.03	55.1	-3.68	-2.93
Dividend Per Share, 2 Yr. CAGR %	-25.58	13.39	77.17	5.41	3.05
Gross Loans, 2 Yr. CAGR %	8.35	11.6	7.34	4.45	5.65
Allowance For Loan Losses, 2 Yr. CAGR %	3.6	9.45	10.59	25.57	19.94
Net Loans, 2 Yr. CAGR %	8.39	11.62	7.32	4.31	5.55
Non Performing Loans, 2 Yr. CAGR %	-7.94	-8.61	-2.31	23.02	36.55
Non Performing Assets, 2 Yr. CAGR %	-7.94	-8.61	-2.31	23.02	36.55
Total Assets, 2 Yr. CAGR %	8.27	11.15	9.72	5.53	4.61
Total Deposits, 2 Yr CAGR %	8.26	9.59	8.34	6.09	3.63
Tangible Book Value, 2 Yr. CAGR %	2.51	9.97	11.88	10.61	8.78
Common Equity, 2 Yr. CAGR %	2.98	9.61	11.7	10.7	8.88
Total Equity, 2 Yr. CAGR %	10.34	6.38	8.78	7.59	6.53
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.71	8.31	13.85	13.54	8.03
Non Interest Income, 3 Yr. CAGR %	9.5	12.51	18.28	16.76	24.72
Provision For Loan Losses, 3 Yr. CAGR %	-0.03	17.66	33.24	34.18	47.32
Total Revenues, 3 Yr. CAGR %	6.32	8.74	13.43	11.42	9.17
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.32	11.02	17.72	20.13	4.15
Net Income, 3 Yr. CAGR %	-4.74	8.37	18.83	24.23	6.04
Normalized Net Income, 3 Yr. CAGR %	-5.7	7.79	19.36	22.57	5.83
Diluted EPS Before Extra, 3 Yr. CAGR %	-4.47	7.59	15.43	22.84	4.29
Dividend Per Share, 3 Yr. CAGR %	-15.66	11.46	17.31	40.57	10.06
Gross Loans, 3 Yr. CAGR %	7.6	9.38	8.79	6.74	4.89
Allowance For Loan Losses, 3 Yr. CAGR %	2.54	2	14.01	15.95	21.18
Net Loans, 3 Yr. CAGR %	7.64	9.43	8.75	6.67	4.78
Non Performing Loans, 3 Yr. CAGR %	-13.76	-11.9	-0.41	6.88	30.17
Non Performing Assets, 3 Yr. CAGR %	-13.76	-11.9	-0.41	6.88	30.17
Total Assets, 3 Yr. CAGR %	8.06	9.52	9.9	7.66	5.54
Total Deposits, 3 Yr CAGR %	7.49	8.53	8.93	7.07	4.94
Tangible Book Value, 3 Yr. CAGR %	3.82	5.72	10.42	11.22	9.62
Common Equity, 3 Yr. CAGR %	4.22	5.93	10.17	11.16	9.68
Total Equity, 3 Yr. CAGR %	9.13	9.53	7.45	7.71	7.55
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	4.76	6.99	10.62	9.36	8.91
Non Interest Income, 5 Yr. CAGR %	3.45	14.35	12.18	10.82	26.32
Provision For Loan Losses, 5 Yr. CAGR %	-4.09	-8.44	2.43	41.88	35.61
Total Revenues, 5 Yr. CAGR %	5.81	10.21	11.89	6.74	10.8
Earnings From Cont. Operations, 5 Yr. CAGR %	7.1	17.05	16.79	5.07	9.25
Net Income, 5 Yr. CAGR %	4.3	15.46	15.75	4.27	10.51
Normalized Net Income, 5 Yr. CAGR %	4.45	17.89	17.1	4.01	10.62
Diluted EPS Before Extra, 5 Yr. CAGR %	6.01	17.3	15.96	2.93	7.7
Dividend Per Share, 5 Yr. CAGR %	-6.36	17.61	13.5	9	11.38
Gross Loans, 5 Yr. CAGR %	6.01	7.53	7.5	7.38	7.52
Allowance For Loan Losses, 5 Yr. CAGR %	-1.43	0.38	5.69	10.84	16.35
Net Loans, 5 Yr. CAGR %	6.07	7.58	7.51	7.35	7.46
Non Performing Loans, 5 Yr. CAGR %	-17.15	-14.63	-9.35	0.69	13
Non Performing Assets, 5 Yr. CAGR %	-17.16	-14.67	-9.35	0.69	13
Total Assets, 5 Yr. CAGR %	6.46	7.56	8.72	7.9	7.75
Total Deposits, 5 Yr CAGR %	6.86	7.54	7.83	7.55	6.78
Tangible Book Value, 5 Yr. CAGR %	3.61	4.74	6.97	7.65	9.76
Common Equity, 5 Yr. CAGR %	3.74	4.86	7.15	7.81	9.65
Total Equity, 5 Yr. CAGR %	6.72	7.02	8.99	8.75	7.08