SC First Bank said first-half net income rose 103% from a year earlier to 424.4 billion won, with second-quarter net income surging 230.5% to a record 319.6 billion won. Earnings were boosted by the reversal of 110.2 billion won in provisions booked last year for penalty charges tied to Hong Kong H-Index equity-linked securities, lower overall credit costs, and a 78% rise in non-interest income driven by wealth management, high-net-worth client growth, and stronger foreign-exchange and derivatives revenue. Interest income was flat at 609 billion won as lending volumes grew but net interest margin, or NIM, fell 0.24 percentage point to 1.24%. Selling and administrative expenses rose 8% to 493 billion won, while asset quality weakened modestly, with the non-performing loan ratio rising to 0.71% and the delinquency ratio to 0.45%. Total loans increased 4% to 44.77 trillion won at end-June, return on equity climbed to 15.43%, and the CET1 ratio stood at 15.65%.