A comprehensive corporate program aimed at enhancing shareholder value and capital efficiency. Key targets include reaching a CET1 ratio of 13%, raising the total shareholder return rate to 40% in 2026 (including a minimum 10% annual increase in DPS and active share buybacks), and improving the price-to-book ratio.

Expected impact: Improves capital allocation, boosts investor confidence, and aligns shareholder returns with top-tier domestic financial holding competitors.

Deployment and scaling of the 'New WON' unified digital finance super-app, which integrates banking, insurance, and investments into a single AI-driven platform. The initiative leverages generative AI for personalized financial planning and real-time risk assessments.

Expected impact: Aims to reduce the group's cost-to-income ratio (CIR) to below 39% over the medium-to-long term, drive retail fee income, and scale digital transactions.

Expanding specialized private banking centers, known as 'Two Chairs W' centers, to target high-net-worth individuals nationwide.

Expected impact: Strengthens high-margin wealth management revenues and diversifies fee-based income streams.

Concentrating overseas expansion on core growth markets in Indonesia, Vietnam, and Cambodia by leveraging local subsidiaries and branch networks to capture retail and corporate demand.