Woori Financial Group, Inc. · KRX:316140

Woori Financial — Q3 2026 Earnings Presentation

19 slides from Woori Financial's earnings presentation, Oct 23, 2026

  1. Slide 1: 3Q26 Business Results

    WF NYSE eee Business Results © woori FINANCIAL GROUP

  2. Slide 2: Contents and Disclaimer

    Swoor! FINANCIAL GROUP Contents I. 3Q26 Financial Highlights Il. 3Q26 Financial Analysis lll. Key Subsidiaries IV. Appendix (Group Financial Overview, Digital Highlights, ESG Highlights) Disclaimer * The financial figures and information in this document have been prepared by Woori Financial Group I

  3. Slide 3: 3Q26 Financial Highlights (1) Overview

    woo! FINANCIAL GROUP 4 I | 3Q26 Financial Highlights (1) Overview Capital-Backed Top-Line Growth Drives juarterly Net Income Above KRW 1tn for Two Consecutive Quarters M& 3Q(Acc.) Net Income 2,658bn and Common Equity ROE 9.9% on + NI Up 18.7% YoY, Excluding Insurance Bargain Purchase Gain + NI Up 4.

  4. Slide 4: Highlights (2) Top Line

    4 I | 3Q26 Financial Highlights (2) Top Line Net Operating Revenue/NIM KRW in billions 1 Net operating Revenue 9 1 _ ' H 2,965 2,958 ¥ 8,680 2,774 2.758 8,174 | 3025 3026 3Q25 1026 2026 3026 (Acc) (Acc) @ (Bank+Card NIM @ (Bank)NIM 172% 173% 1.75% 1.68% a 45% 148% 1.506% 1.45% 1.506% 1.434% 3Q25 3Q2

  5. Slide 5: Highlights (3) Cost and Asset Quality

    4 I | 3Q26 Financial Highlights (3) Cost and Asset Quality SG&A Expense KRWinbillons KRW inbilfons @credit Cost. © One-off") © scEA Expense 5% 74.6% GED. ; H y ' 3.857 1,225 576 3,689 4,210 1,210 1.280 | | a) | | 3Q26 3025 3026 3025.” 2026 3026 oR ae 3Q25 2026 3026 (Acc) (Acc.) Note) Completion-quar

  6. Slide 6: Highlights (4) Capital Adequacy and Shareholder Return

    woori FINANCIAL GROUP 4 I | 3Q26 Financial Highlights (4) Capital Adequacy and Shareholder Return QoQ Changes in CET1 Ratio (Preliminary) FXimpact: +0.18% 13.80%(e) OCichanges, 326 etc. &% CET1 Ratio Rose QoQ on KRW Appreciation and Other Factors, Despite Continued Market Volatility 2Q26 Net Income

  7. Slide 7: Financial Statements

    4 Il | 3Q26 Financial Analysis (1) Financial Statements Group Consolidated Income Statement woori FINANCIAL GROUP Group Statement of Financial Position KRW in billions 3Q26(Acc.) 3Q25(Acc) YoY(%) 3026 2Q26 Q0Q(%) KRW in trillions 3Q26 FY25 YTD(%) 2Q26 Q0Q(%) Net Operating Revenue 8,680 8,174 6.2 2,9

  8. Slide 8: Earnings Breakdown

    )Woor! FINANCIAL GROUP . . . : 2 Il | 3Q26 Financial Analysis (2) Earnings Breakdown ° Group Interest Income Group Fees & Com jons KRW in billions 3Q26{Acc) 3Q25(Acc) YoY(%) 3Q26 2Q26 Q0Q(%) KRW in billions 3Q26iAcc) 3Q25{Acc) YoY(%) 3Q26 2026 Q0Q(%) Net Interestincome 7,036 6,731 45 2376 2,336 17 F

  9. Slide 9: Expenses & Credit Cost

    woori FINANCIAL GROUP Il | 3Q26 Financial Analysis (3) Expenses & Credit Cost Group SG&A Expense Group Credit Cost KRW in billions 3Q26(Acc) 3Q25(Acc) YoY(%) 3Q26 2Q26 Q0Q(%) 3Q26 FY25 FY24 FY23 FY22 SG&A Expense 3,857 3,689 46 1,225 1,210 1.2 Credit Cost?) Salary &Benefits” 2,342 2,294 21 714 687 3

  10. Slide 10: Funding and Lending

    Il | 3Q26 Financial Analysis (4) Funding and Lending Lending (Bank) Funding” (Bank) woori FINANCIAL GROUP KRW in billions 3026 FY25 YTD(%) 2026 Q0Q(%) KRW in billions 3026 FY25 YTD(%) 2026 Q0Q(%) TotalFundinginKRW 359,048 352,178 2.0% 355,989 0.9% Large Corp. 63,734 55,323 15.2% 63,994 -0.4% LowCost

  11. Slide 11: Asset Quality

    4 Il | 3Q26 Financial Analysis (5) Asset Quality Group Asset Quality woori FINANCIAL GROUP Bank Asset Quality KRW in billions 3026 FY25 YTD(%,%p) 2026 © QoQ%,%p) KRW in billions 3026 FY25 — YTD(%,%p)-—-2Q26-—QoXl%, %p) Total Credit 417,244 399,970 43 414,705 0.6 Total Credit 345,633 333,939 3.5 344,

  12. Slide 12: Capital Adequacy

    Il | 3Q26 Financial Analysis (6) Capital Adequacy Bank Capital Adequacy woori FINANCIAL GROUP KRW in billions 326 FY25 YTD(%) 2026 Q0Q(%) Total Capital 40,620 37,800 75 40,458 0.4 Total Capital 34,190 31,291 9.3 33,987 0.6 Common Equity 33,466 30,223 10.7. 33,517 -0.2 Common Equity 29,575 26,297 12.

  13. Slide 13: Key Subsidiaries (1) Woori Bank

    4 HT | Key Subsidiaries (1) Woori Bank Consolidated Income Statement Consolidated Statement of Financial Position woori FINANCIAL GROUP KRW in billions 3Q26(Ace) 3Q25(Acc) YoY(%) 3Q26 2026 QoQ(%) KRW in trillions 3Q26 FY25 YTD(%) 226 ~=—- QoQ(%) NetOperatingRevenue 6,998 6,744 3.8 2,488 2,308 78 Tot

  14. Slide 14: Key Subsidiaries (2) Tongyang Life Insurance

    4 HT | Key Subsidiaries (2) Tongyang Life Insurance Key Financial Indicators Consolidated Income Statement woori FINANCIAL GROUP 1) KRW in bili 3Q26 YTD(%,7 ho, Yo| KRWin billions a thes) YoY(%) 3Q26 2Q26 Q0Q(%) inpiltons FY2S PAPI 2026 [aoRteizh) K-ICS Ratio” 172.0% 179.8% 7.8 205.4% -33.3 Insuranc

  15. Slide 15: Key Subsidiaries (3) Woori Card / Financial Capital / Investment Securities

    4 HT | Key Subsidiaries (3) Woori Card / Woori Financial Capital / Woori Investment Sec Woori Investment Securities Kawinbitions $028 $025 weg sq26 2026 aa xewinbitions 3226 3025 weg 3q26 2026 ane KeWinpitions 2828 3025 vuveg 3q26 2026 004 OperatingRevene 2,351 2,132 103 818 784 43 Net Operating Net

  16. Slide 16: Appendix: Group Overview

    woori FINANCIAL GROUP 4 IV | Appendix : (1) Group Overview 3 oo. 8 a an) oS Ss) 8 So. 8 oS. 8 Group Woot Te Woori Woori Woori ABL Wooti Woori Woon Woori WootiPE Woori Woori Woori (Consol) Bak oes Card Financial investment Life Asset Savings Asset Venture Asset Finance Credit Fund Insurance | “Capita

  17. Slide 17: Appendix: Digital Highlights

    ∙ ∙ (KRW in billions) 235 199 170 137 116 85 39 54 7 12 18

  18. Slide 18: Appendix: ESG Highlights

    -IV | Appendix : (3) ESG Highlights Climate Risk Managem: I Mid-to long-term Reduction Progress and | Selected 7 Core Management Sectors Targets for “ Internal Carbon Emissions” and and Established Mitigation Measures “Financed Emissions” to Effectively Manage Climate Risks Reduction Target for Inte

  19. Slide 19: © WOoR! FINANCIAL GROUP

    © WOoR! FINANCIAL GROUP

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