Samsung Card announced on the 25th its operational (preliminary) performance for the first half of 2025, reporting total handling of 88.526 trillion won and a net profit of 335.6 billion won.
Total handling increased by 9% compared to the same period last year. Of this, the card business handling saw an 8.8% increase from the same period last year, reaching 88.1281 trillion won. By institutional sector, credit sales (lump sum + installment) were 79.2628 trillion won, and the financial sector (long-term + short-term card loans) was 8.8653 trillion won, while the handling of installment leasing business was 397.9 billion won. The increase in card business handling has been influenced by the expansion of quality members and selective marketing activities that have strengthened the competitiveness of the core business.
The net profit for the first half of 2025 was 335.6 billion won, a 7.5% decrease compared to the same period last year. Although operating revenue from commission income and interest income increased due to the growth of card usage amounts and product receivables balances, financial costs rose due to increased borrowing fund levels, along with increased bad debt expenses due to a rise in workout reception amounts. However, the company explained that as of the end of June, the one-month delinquency rate was managed stably at 0.98%, down 0.05 percentage points from the previous quarter.
Samsung Card's stance is to focus on managing asset soundness and strengthening core business competitiveness while continuing efforts to establish future growth bases in platforms, artificial intelligence (AI), and more.