Shinhan Financial Group Co., Ltd. · KRX:055550

Shinhan Financial — Investor Presentation

31 slides from Shinhan Financial's investor presentation

  1. Slide 1: Your Total Financial Solution: Shinhan Financial Group

    “Your Total Financial Solution: Shinhan Financial Group” 0

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    1

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    2

  4. Slide 4: Shinhan Financial Group

    9 SHINHAN FINANCIAL GROUP § 3

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    4

  6. Slide 6: Shinhan Financial Group

    ; | | | Ea be | | @ stinan FINANCIAL Grour 1 5

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    6

  8. Slide 8: Total Operating Income, Interest and Non-Interest Income

    Total Operating Income (a=b+c) Interest Income (b) Non-Interest Income (c) SG&A Expenses (d) Operating Income (e=a-d) Non-Operating Income (f) Pre-Provision Income (g=e+f) Loan Loss Provision (h) Earnings before Income Tax (i=g-h) Net Income 7

  9. Slide 9: Net income by subsidiary

    Bank (a) Shinhan Bank 3) Jeju Bank Non-Bank (b) GMS Securities Shinhan Life Insurance Shinhan Card Shinhan Capital Shinhan BNPP Invest SH&C Life Insurance SMFA Shinhan Credit Info Shinhan Private Equity SFG (c) Total (d=a+b+c) ’ 8

  10. Slide 10: Results by subsidiary

    Bank (a) Shinhan Bank Jeju Bank Non-Bank (b) GMS Securities Shinhan Life Insurance Shinhan Card Shinhan Capital Shinhan BNPP Invest. SH&C Life Insurance SMFA Shinhan Credit Info. Shinhan Private Equity SFG (c=a+b) Total ’ 9

  11. Slide 11: Total Operating Income, Interest and Non-Interest Income

    Total Operating Income (a=b+c) Interest Income (b) Non-Interest Income (c) SG&A Expenses (d) Operating Income (e=a-d) Non-Operating Income (f) Pre-Provision Income (g=e+f) Loan Loss Provision (h) Earnings before Income Tax (i=g-h) Net Income 10

  12. Slide 12: Interest Revenue and Expense

    Interest Revenue (a) Loans Securities & Others Interest Expense (b) Deposits Debentures/Borrowings Interest Income (a-b) 11

  13. Slide 13: Non-Interest Income

    Non-Interest Income Fees & Commissions (Fund) (Bancassurance) Trust Fees F/X Comm. & Others 12

  14. Slide 14: SG&A Expenses

    SG&A Expenses Labor Costs Admin Expenses D&A Costs Taxes & Dues 13

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    14

  16. Slide 16: Total Assets by subsidiary

    Bank Shinhan Bank Jeju Bank Non-Bank GMS Securities Shinhan Life Insurance Shinhan Card Shinhan Capital Shinhan BNPP Invest. SH Asset Mgmt Total Assets* 15

  17. Slide 17: Assets and Liabilities

    Loans (KRW) Loans (FC)* Securities Credit Card Fixed Assets Others Total Assets Deposits (KRW) Deposits (FC) Debentures Others Shareholders’ Equity Total Liabilities 16

  18. Slide 18: Loans in Won and Foreign Currency

    Loans in Won (A) Retail Mortgage Others Corporate SME SOHO Large Corp Loans in Foreign Currency (B) Total Loans (A+B) 17

  19. Slide 19: Deposits

    Total Deposits in Won Low Cost Deposits Demands Savings Other Savings Time Deposits Other Deposits Certificate of Deposits Finance Debentures in Won 18

  20. Slide 20: Shinhan Card Assets and Sales Volume

    Assets (Managed) Receivables (Purchase Card Assets) Cash Advances Card Loans (Re-Aged Loans) Sales Volume (Quarterly) Lump-Sum Installments Cash Advances Card Holders (thousands) Merchants (thousands) 19

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    20

  22. Slide 22: Loan Classification and NPL

    Total Loans 1) Normal Precautionary Substandard Doubtful Estimated Loss Substandard & Below NPL Ratio Loan Loss Reserves NPL Coverage Ratio 21

  23. Slide 23: Shinhan Bank Asset Quality

    Total Loans Normal Precautionary Substandard Doubtful Estimated Loss Substandard & Below NPL Ratio Loan Loss Reserves NPL Coverage Ratio Write-off (Quarterly) Delinquency Ratio Retail Mortgage Others Corporate SME SOHO Large Corp 22

  24. Slide 24: Shinhan Card Asset Quality

    Assets (Managed) Normal Precautionary Substandard Doubtful Estimated Loss Substandard & Below NPL Ratio Loan Loss Reserves (Managed) NPL Coverage Ratio NPL Sales ABS Issuance (Quarterly) Write-Off (Quarterly) Assets Delinquent Amount (1day and over) Less than 1M 1M and Over Delinquency Ratio (1day a

  25. Slide 25: Shinhan Bank and Card Loan Figures

    Shinhan Bank* Retail Corporate Sub-Total Shinhan Card** Total Shinhan Bank* Retail Corporate Sub-Total Shinhan Card** Total 24

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    25

  27. Slide 27: Capital Adequacy and BIS Ratio

    Net Capital (a) Required Capital (b) Required Capital Ratio (a/b) Risk-Weighted Assets Tier 1 Capital Tier 2 Capital BIS Ratio Tier 1 Ratio Tier 2 Ratio 26

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    27

  29. Slide 29: Profitability Ratios: ROA, ROE, Cost/Income

    SFG ROA ROE BVPS (KRW) EPS (KRW) Cost / Income Cost / Income 1) Shinhan Bank ROA ROE Loan / Deposit Cost / Income NPL 28

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    29

  31. Slide 31: Equity Holdings and Valuation Gain

    Shares Ownership Acquisition Cost/Share Book Value/Share Valuation Gain (thousands) (%) (KRW) (KRW) (KRW Billion) Hynix SFG* LG Card SK Networks Hyundai Eng. & Con. Ssangyong Cement Daewoo Eng. & Con. Daewoo International Ssangyong Eng. & Con. Total 30

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