Shinhan Financial Group's net profit for the first nine months increased by 12.7% year-on-year to KRW 5.03 trillion (approximately USD 3.8 billion), achieving its 10% return on equity (ROE) target a year ahead of schedule. As of the end of September, the group's ROE reached 11.9%, up approximately 0.9 percentage points from the same period last year, primarily driven by growth in interest and fee income.