Woori Financial Group is one of Korea's largest financial holding companies, with commercial banking as its core business conducted through Woori Bank. Woori Bank serves three main customer segments: corporate borrowers (about 56% of total loans), retail consumers (about 41% of total loans, primarily mortgages), and credit card customers through its subsidiary Woori Card. Woori Bank distributes services through 656 domestic branches, ATMs, and its mobile banking app. The group earns primarily through net interest income — the spread between loan yields and deposit costs — funding itself largely through customer deposits and deploying capital into loans. Beyond banking, Woori has been expanding into non-bank businesses, including credit cards (Woori Card, sixth-largest in Korea by transaction volume), capital markets and investment banking (Woori Investment Securities), life insurance (Tongyang Life and ABL Life, acquired in mid-2025), asset management, real estate trusts, consumer finance, and savings banking. Woori's growth strategy focuses on three areas: building cross-selling synergies across its now-complete financial group portfolio, reorienting its corporate loan book toward growth industries like AI, semiconductors, and defense, and expanding shareholder returns as its capital ratio improves. Woori is primarily Korea-focused, with roughly 92% of loans domestic, though it maintains an international presence in Southeast Asia, China, the U.S., and Europe, mainly serving Korean multinationals and expatriate communities.