韩国友利 2025年年度报告和过渡报告

☐REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g)OF THE SECURITIES EXCHANGE ACT OF 1934OR☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year endedDecember 31,2024OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934OR☐SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934Date of event requiring this shell company reportCommission file number001-31811 Table of Contents TABLE OF CONTENTS Presentation of Financial and Other InformationForward-Looking StatementsItem 1.Identity of Directors, Senior Management and AdvisersItem 2.Offer Statistics and Expected TimetableItem 3.Key InformationItem 3.A.[Reserved]Item3.B.Capitalization and IndebtednessItem3.C.Reasons for the Offer and Use of ProceedsItem3.D.Risk FactorsItem4.Information on the CompanyItem4.A.History and Development of the CompanyItem4.B.Business OverviewItem4.C.Organizational StructureItem4.D.Property, Plants and EquipmentItem4A.Unresolved Staff CommentsItem5.Operating and Financial Review and ProspectsItem5.A.Operating ResultsItem5.B.Liquidity and Capital ResourcesItem5.C.Research and Development, Patents and Licenses, etc.Item5.D.Trend InformationItem5.E.Critical Accounting EstimatesItem6.Directors, Senior Management and EmployeesItem6.A.Directors and Senior ManagementItem6.B.CompensationItem6.C.Board PracticesItem6.D.EmployeesItem6.E.Share OwnershipItem6.F.Disclosure of A Registrant’s Action to Recover Erroneously Awarded CompensationItem7.Major Shareholders and Related Party TransactionsItem7.A.Major ShareholdersItem7.B.Related Party TransactionsItem7.C.Interest of Experts and CounselItem8.Financial InformationItem8.A.Consolidated Statements and Other Financial InformationItem8.B.Significant ChangesItem9.The Offer and ListingItem9.A.Offering and Listing DetailsItem9.B.Plan of DistributionItem9.C.MarketsItem9.D.Selling ShareholdersItem9.E.Dilution Item9.F.Expenses of the IssuerAdditional InformationItem10.A.Share CapitalItem10.B.Memorandum and Articles of AssociationItem10.C.Material ContractsItem10.D.Exchange ControlsItem10.E.Taxation Item10. Table of Contents Item10.F.Dividends and Paying AgentsItem10.G.Statements by ExpertsItem10.H.Documents on DisplayItem10.I.Subsidiary InformationItem 10.J.Annual Report to Security HoldersItem11.Quantitative and Qualitative Disclosures about Market RiskItem 12.Description of Securities Other Than Equity SecuritiesItem 13.Defaults, Dividend Arrearages and DelinquenciesItem14.Material Modifications to the Rights of Security Holders and Use of ProceedsItem15.Controls and ProceduresItem16.[Reserved]Item16A.Audit Committee Financial ExpertItem16B.Code of EthicsItem16C.Principal Accountant Fees and ServicesItem16D.Exemptions from the Listing Standards for Audit CommitteesItem16E.Purchase of Equity Securities by the Issuer and Affiliated PurchasersItem16F.Change in Registrant’s Certifying AccountantItem16G.Corporate GovernanceItem16H.Mine Safety DisclosureItem16I.Disclosure Regarding Foreign Jurisdictions that Prevent InspectionsItem16J.Insider Trading PoliciesItem16K.CybersecurityItem17.Financial StatementsItem18.Financial StatementsItem19.Exhibits Table of Contents PRESENTATION OF FINANCIAL AND OTHER INFORMATION The financial statements included in this annual report are prepared in accordance with International Financial Reporting Standards, or IFRS (alsoknown as “IFRS Accounting Standards”), as issued by the International Accounting Standards Board, or the IASB. Unless expressly stated otherwise, all financial data included in this annual report are presented on a consolidated basis. Unless otherwise indicated or required by the context, “we,” “us,” “our” and similar terms used in this annual report refer to Woori FinancialGroup and its subsidiaries (including Woori Bank) and, for periods prior to our establishment, refer to Woori Bank and its subsidiaries. In this annual report: •references to “Korea” are to the Republic of Korea;•references to the “government” are to the government of the Republic of Korea;•references to “Won” or “￦” are to the currency of Korea;•references to “U.S. dollars,” “$” or “US$” are to the currency of the United States; and•references to “Euros” or “EUR” are to the currency of the European Economic and Monetary Union. Discrepancies between totals and the sums of the amounts contained in any table may be a result of rounding. For your convenience, this annual report contains conversions of Won amounts into U.S. dollars at the noon buying rate of the Federal ReserveBank of New York for Won in effect on December31, 2024, which was￦1,477.9 = US$1.00. Table of Contents FORWARD-LOOKING STATEMENTS The U.S. Securities and Exchange Commission encourages companies to disclose forward-looking information so that investors can betterunderstand a company’s future prospects and make informed investment decisions. This annual report contains forward