iM Financial Group Issues KRW 100 Billion New Type Capital Securities to Boost Capital Ratio

Issue size: KRW 100 billion, credit rating AA- (stable), expected coupon 3.80%~4.40%, perpetual (5-year call option)
Purpose: Enhance Basel III capital ratio (total capital ratio 14.73%→14.96%, basic capital ratio 13.70%→13.93%)
Write-down risk: full permanent write-down if designated as failed institution; interest suspension/cancellation possible; subordination clause
Key financials (3Q2025 consolidated): BIS total capital ratio 14.73%, NPL ratio 1.51%, net income KRW 443.1 billion