K Bank's net profit declined 12.1% year-on-year to 112.6 billion won in 2025, as rising deposit costs offset gains from increased lending and non-interest income, while the internet-only bank targets 18 million customers this year through expansion in AI and digital assets.
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K Bank's Net Profit Falls 12% to 112.6 Billion Won Last Year
K Bank's net profit declined 12.1% year-on-year to 112.6 billion won in 2025, as rising deposit costs offset gains from increased lending and non-interest income, while the internet-only bank targets 18 million customers this year through expansion in AI and digital assets.
South Korean savings banks returned to profitability with over 400 billion won in net income last year, but sustainability concerns emerge as core lending business deteriorates while reliance on securities income grows, prompting industry calls for regulatory easing on retail credit expansion.
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[Financial District Tidbits]Savings Banks Face Gloom Despite Return to Profit as Core Business Deteriorates
South Korean savings banks returned to profitability with over 400 billion won in net income last year, but sustainability concerns emerge as core lending business deteriorates while reliance on securities income grows, prompting industry calls for regulatory easing on retail credit expansion.
Circle Internet Group's stock surges 20% this week as Mizuho raises target price to $100, citing higher interest income from Treasury holdings amid geopolitical tensions reducing Fed rate cut expectations, while Bitcoin's recovery to $68,000 adds positive sentiment to crypto-related stocks.
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'War and Inflation Drive Higher Rates' - Boon for Circle's Treasury Holdings
Circle Internet Group's stock surges 20% this week as Mizuho raises target price to $100, citing higher interest income from Treasury holdings amid geopolitical tensions reducing Fed rate cut expectations, while Bitcoin's recovery to $68,000 adds positive sentiment to crypto-related stocks.
[Financial Holding Firms Q3 Earnings] Interest Income Remains Strong Despite Lending Curbs—But Q4 Risks Loom
South Korea’s top five financial holding firms posted record Q3 interest income near 40 trillion won, but face Q4 headwinds from tighter lending rules, ELS fines, and higher taxes.
Shinhan Financial Group reported a record cumulative net profit of 4.46 trillion won in Q3 2025, driven by robust interest and non-interest income, with strong performances from its banking, securities, and insurance units.
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Shinhan Financial Group Posts Cumulative Net Profit of 4.46 Trillion Won in Q3—Accelerates 'Productive Finance' Strategy
Shinhan Financial Group reported a record cumulative net profit of 4.46 trillion won in Q3 2025, driven by robust interest and non-interest income, with strong performances from its banking, securities, and insurance units.
President Yoon Vows Policy Shift to Curb Reliance on Easy Interest Income and Real Estate Speculation
President Yoon pledges to overhaul policies to reduce dependence on easy interest income and curb excessive real estate investment, signaling a shift in South Korea's economic strategy.
South Korean Banks Post 18% Surge in H1 Net Profit to KRW 14.9 Trillion—Interest Income Nears KRW 29.7 Trillion
South Korean banks’ H1 2025 net profit surged 18% to KRW 14.9 trillion, driven by higher non-interest income and a base effect from last year’s one-off costs.
Circle to Announce Q2 Earnings Tonight—First Report Since IPO
Circle Internet Financial Ltd. will announce its first quarterly results since IPO, with Wall Street focusing on USDC market share, interest income, and regulatory impacts.
China will end its decades-long tax exemption on interest income from government and financial bonds starting August 8, raising funding costs for new issuances and boosting demand for existing tax-exempt bonds, with yields on 10-year government bonds falling to 1.7%.
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China to End Tax Exemption on Interest Income from Government and Financial Bonds from August 8
China will end its decades-long tax exemption on interest income from government and financial bonds starting August 8, raising funding costs for new issuances and boosting demand for existing tax-exempt bonds, with yields on 10-year government bonds falling to 1.7%.
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