South Korea’s Financial Supervisory Service has published a consolidated snapshot of domestic financial holding companies’ (FHCs) earnings and key soundness indicators for the first half of 2025. As of end-June 2025, there were 10 FHCs with 340 subsidiary units, and consolidated assets rose 3.0% from end-December 2024 to KRW3,867.5 trillion while consolidated net income increased 9.9% to KRW15.4428 trillion. Assets were concentrated in banking (74.2%), followed by financial investment (11.5%), insurance (6.7%) and specialized credit finance (6.1%); over the six months, banking and financial investment assets increased by KRW60.3 trillion (2.1%) and KRW41.6 trillion (10.3%) respectively, insurance rose by KRW6.7 trillion (2.7%), and specialized credit finance fell by KRW1.0 trillion (0.4%). Net income was led by banking (59.0%), then financial investment (16.4%), insurance (13.4%) and specialized credit finance (7.5%), with banking and financial investment up KRW1.6898 trillion (19.3%) and KRW439.0 billion (17.9%), while insurance and specialized credit finance declined by KRW93.2 billion (3.8%) and KRW334.3 billion (20.0%). For banking holding companies, the consolidated BIS total capital ratio was 15.87% (Tier 1: 14.88%, CET1: 13.21%), compared with D-SIB requirements of 12.5%, 10.5% and 9.0%. Asset quality indicators weakened, with substandard-or-below loans at 1.04% (up 0.14 percentage points) and the provision coverage ratio at 104.3% (down 18.0 percentage points). The debt ratio increased to 29.0% while the double leverage ratio decreased to 112.1%; the FSS noted the June 2025 figures are preliminary and said it will encourage FHCs to closely monitor subsidiaries’ financial soundness.

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