The company put 4Q24 taxable-equivalent net interest income at $1,730 million, plus or minus, and showed the NIM in the high 3.50’s. It said fee income excluding notable items was $610 million, plus or minus, and including notable items was $625 million, plus or minus.

1. 01

   The company put 4Q24 taxable-equivalent net interest income at $1,730 million, plus or minus, and showed the NIM in the high 3.50’s. It said fee income excluding notable items was $610 million, plus or minus, and including notable items was $625 million, plus or minus.

2. 02

   The company gave total expense for 4Q24 as $1,310 million to $1,330 million excluding notable items and $1,355 million to $1,375 million including notable items. It said net charge-offs were about 40 basis points of average loans, and share repurchases were $200 million.

3. 03

   The company said that as of September 30, 2024, its CET1 ratio was 11.5% and its TCE ratio was 8.8%, and that both metrics were in the top quartile among peers. It explained that AFS and pension-related AOCI had a negative impact of about 4 basis points on regulatory capital.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call. Some paragraphs were omitted because their support in the source could not be confirmed.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.