The bank maintains a stable equity-to-assets ratio of 0.06, while total assets have grown significantly to 603.6T KRW as of 2026Q1.
| Cash & Short Term Investments | 336.49T | 46.73T | 71.08T | 68.45T | 67.3T | 59.73T | 40.02T | 34.12T | 24.81T | 22.26T | -15.95T | -12.42T |
| Cash & Due from Banks | 34.87T | 26.36T | 27.28T | 30.56T | 34.22T | 20.61T | 9.99T | 6.39T | 6.75T | 6.91T | -15.95T | -12.42T |
| Short Term Investments | 81.75T | 20.37T | 43.8T | 37.89T | 33.09T | 39.12T | 30.03T | 27.73T | 18.06T | 15.35T | 0 | 0 |
| Total Investments | 528.83T | 553.27T | 463.49T | 437.16T | 417.92T | 394.2T | 360.91T | 329.12T | 303.03T | 273.55T | 579.59B | 826.99B |
| Investments Growth % | 44.69% | 19.37% | 6.02% | 4.6% | 6.02% | 9.23% | 9.66% | 8.61% | 10.78% | 47096.97% | -29.92% | - |
| Long-Term Investments | 1824.18T | 532.9T | 419.69T | 399.27T | 384.84T | 355.08T | 330.88T | 301.39T | 284.96T | 258.2T | 579.59B | 826.99B |
| Accounts Receivables | 18.79T | 7.54T | 6.41T | 9.06T | 5.44T | 6.85T | 3.81T | 5.65T | 4.86T | 4.46T | 0 | 0 |
| Goodwill & Intangibles | 1.05T | 1.06T | 1.87T | 1.79T | 1.65T | 1.66T | 1.73T | 1.79T | 1.58T | 1.5T | 124.8B | 523.33B |
| Goodwill | 0 | 386.99B | 482.71B | 445.09B | 397.53B | 345.45B | 334.29B | 350.68B | 153.6B | 108.71B | 124.8B | 103.53B |
| Intangible Assets | 1.05T | 669.65B | 1.39T | 1.35T | 1.25T | 1.31T | 1.39T | 1.44T | 1.43T | 1.39T | 0 | 419.81B |
| PP&E (Net) | 9.68T | 7.6T | 7.34T | 6.48T | 5.74T | 4.96T | 4.4T | 3.36T | 2.45T | 2.48T | 2.46T | 2.47T |
| Other Assets | 126.49T | 12.75T | 11.23T | 4.16T | 7.64T | 10.8T | 10.57T | 9.28T | 12.1T | 17.24T | 272.8T | 258.56T |
| Total Current Assets | 18.96T | 46.73T | 85.55T | 86.2T | 80.5T | 74.66T | 51.45T | 46.11T | 39.29T | 36.6T | 34.49T | 29.27T |
| Total Non-Current Assets | 584.67T | 554.73T | 440.21T | 411.8T | 399.97T | 372.53T | 347.63T | 315.87T | 301.16T | 279.7T | 276.2T | 262.59T |
| Total Assets | 603.63T | 601.46T | 525.75T | 498T | 480.47T | 447.18T | 399.08T | 361.98T | 340.45T | 316.3T | 310.68T | 291.86T |
| Asset Growth % | 40.65% | 14.4% | 5.57% | 3.65% | 7.44% | 12.05% | 10.25% | 6.33% | 7.64% | 1.81% | 6.45% | - |
| Return on Assets (ROA) | 0.55% | 0.58% | 0.6% | 0.51% | 0.69% | 0.6% | 0.34% | 0.53% | 0.62% | 0.48% | 0.42% | 0.3% |
| Accounts Payable | 20.32T | 8.06T | 7.25T | 10.19T | 6T | 7.03T | 4.03T | 6.13T | 5.41T | 4.69T | 8.48T | 3.21T |
| Total Debt | 93.9T | 94.52T | 83.82T | 76.36T | 73.39T | 69.96T | 58.94T | 51.92T | 49.66T | 46.56T | 45.91T | 45.27T |
| Net Debt | 59.02T | 68.16T | 56.54T | 45.8T | 39.17T | 49.34T | 48.95T | 45.52T | 42.91T | 39.65T | 61.86T | 57.69T |
| Long-Term Debt | 88.14T | 44.08T | 81.58T | 74.75T | 70.75T | 68.62T | 57.87T | 50.8T | 48.64T | 45.92T | 41.95T | 42.52T |
| Short-Term Debt | 5.2T | 50.11T | 1.71T | 1.28T | 2.33T | 991.15B | 657.82B | 702.52B | 1.02T | 638.23B | 3.96T | 2.75T |
| Other Liabilities | 78T | 471.93T | 25.38T | 15.04T | 23.71T | 20.89T | 8.63T | 7.92T | 10T | 4.1T | 217.83T | 206.22T |
| Total Current Liabilities | 49.39T | 50.11T | 381.1T | 373.63T | 353.69T | 328.06T | 305.03T | 276.99T | 259.63T | 245.5T | 33.73T | 26.95T |
| Total Non-Current Liabilities | 168.26T | 517.2T | 108.76T | 90.98T | 95.16T | 90.32T | 67.33T | 59.49T | 58.87T | 50.23T | 259.98T | 248.93T |
| Total Liabilities | 567.96T | 567.31T | 489.86T | 464.61T | 448.85T | 418.38T | 372.36T | 336.49T | 318.49T | 295.73T | 293.71T | 275.88T |
| Total Equity | 35.67T | 34.15T | 35.9T | 33.4T | 31.63T | 28.81T | 26.73T | 25.49T | 21.95T | 20.56T | 16.97T | 15.98T |
| Equity Growth % | -0.22% | -4.87% | 7.48% | 5.6% | 9.8% | 7.78% | 4.84% | 16.12% | 6.75% | 21.18% | 6.23% | - |
| Equity / Assets (Capital Ratio) | 5.91% | 5.68% | 6.83% | 6.71% | 6.58% | 6.44% | 6.7% | 7.04% | 6.45% | 6.5% | 5.46% | 5.47% |
| Return on Equity (ROE) | 8.91% | 9.26% | 8.91% | 7.71% | 10.55% | 9.16% | 5.01% | 7.89% | 9.56% | 8.06% | 7.66% | 5.48% |
| Book Value per Share | 137750.53 | 135120.56 | 145271.45 | 136243.44 | 130383.14 | 119289.45 | 111008.01 | 111565.68 | 96828.27 | 90705.58 | 74854.22 | 71215.07 |
| Tangible BV per Share | 133707.52 | 130939.60 | 137701.82 | 128939.78 | 123578.36 | 112431.14 | 103826.65 | 103717.73 | 89840.16 | 84075.34 | 74303.76 | 68882.24 |
| Common Stock | 3.75T | 3.8T | 3.8T | 3.8T | 3.64T | 3.64T | 3.61T | 3.61T | 3.38T | 3.38T | 3.38T | 3.38T |
| Additional Paid-in Capital | 919.53B | 933.44B | 934.1B | 935.56B | 682.38B | 682.38B | 626.11B | 626.29B | 285.89B | 285.88B | 286.33B | 294.26B |
| Retained Earnings | 24.8T | 25.56T | 26.95T | 24.99T | 23.75T | 21.35T | 19.27T | 18.52T | 17.12T | 15.62T | 2.61T | 2.13T |
| Accumulated OCI | 2.69T | 2.05T | 2.45T | 1.98T | 692.88B | 130.59B | 0 | 0 | 0 | 0 | 10.57T | 3.64T |
| Treasury Stock | -136.53B | -35.52B | -35.52B | -39.35B | -3.82B | -3.82B | 0 | 0 | 0 | 0 | -34.11B | -34.11B |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Real estate project financing
As reported in financial statements, Woori Financial Group's total assets grew to 603.6T KRW in 2026Q1, reflecting a notable expansion from the 498.0T KRW level observed in 2023Q4, though the quality of this growth remains obscured by significant volatility in the underlying securities portfolio composition.
The rapid increase in total assets appears to be driven more by fluctuations in the investment securities book than by organic loan growth. Investors should monitor whether this asset accumulation represents a strategic pivot toward lower-risk liquid assets or a temporary parking of capital that may be reversed in subsequent quarters.
Based on reported figures, the equity-to-assets ratio has remained remarkably consistent at approximately 0.06 to 0.07 over the last ten quarters, suggesting that management has maintained a stable capital cushion despite the significant volatility observed in the group's total asset base and net interest income.
While the stability of the equity-to-assets ratio may provide a sense of comfort, it warrants further investigation into whether this reflects genuine capital retention or the impact of accounting adjustments related to the group's privatization. The current capital position appears adequate for existing operations, but may be tested if the bank pursues aggressive inorganic growth strategies.
According to recent financial disclosures, Woori Financial Group holds 528.8T KRW in investment securities as of 2026Q1, which constitutes the vast majority of the balance sheet and indicates a heavy reliance on market-based assets rather than a traditional loan-centric liquidity model for its funding requirements.
This concentration in investment securities suggests that the bank's liquidity profile is highly sensitive to market price volatility and interest rate movements. The lack of granular data on the duration and credit quality of these securities makes it difficult to assess the true contingent funding capacity of the institution.
As indicated by the most recent quarterly data, the reported loan loss provision expense dropped to zero in 2026Q1, a sharp departure from the 400B-800B KRW range seen in prior periods, which may indicate an overly optimistic assessment of credit risk in the current environment.
The sudden cessation of provisioning appears inconsistent with the ongoing risks associated with Korean real estate project financing. This accounting choice may artificially inflate short-term profitability, but it potentially leaves the balance sheet vulnerable to future credit shocks if the underlying construction sector stress continues to manifest.
Quick answers to the most common questions about buying WF stock.
As of 2025, Woori Financial Group Inc. (WF) had total assets of $601.46T including $46.73T in current assets.
Woori Financial Group Inc. (WF) carries total debt of $94.52T. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Woori Financial Group Inc. (WF) has total shareholders' equity (book value) of $32.31T ($135120.56 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Woori Financial Group Inc. (WF) reported a current ratio of 0.93x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.