Page ITEM 10.G. Statements by Experts 280 ITEM 10.H. Documents on Display 280 ITEM 10.I. Subsidiary Information 280 ITEM 10.J. Annual Report to Security Holders 280 ITEM 11. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK 280 ITEM 12. DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES 280 ITEM 12.A. Debt Securities 280 ITEM 12.B. Warrants and Rights 280 ITEM 12.C. Other Securities 280 ITEM 12.D. American Depositary Shares 281 PART II ITEM 13. DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES 28 ...

FORM 6-K 20, Sejong-daero 9-gil, Jung-gu, Seoul 04513, Korea (Address of principal executive offices) Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): _______ Please refer to Exhibit 99.1. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. REPORT OF FOREIGN PRIVATE ISSUER Pursuant to Rule 13a-16 or 15 ...

FY2023 Shinhan Financial Group Convocation Notice of the 23″d Annual General Meeting of Shareholders Shinhan Financial Group A Message to Shareholders Dear Shareholders, First of all. I would like to express my sincere gratitude for your continued interest and support of Shinhan Financial Group, and I wish you a happy and prosperous year. Last year, Shinhan Financial Group achieved solid financial performance and faithfully fulfilled its shareholder return policy. In 2023, while we rebounded from the COVID- ...

EX-99.1 Shinhan Financial Group Review Report for the 3Q of 2023 (Consolidated) SHINHAN FINANCIAL GROUP CO., LTD. AND SUBSIDIARIES Consolidated Interim Financial Statements September 30, 2023 and 2022 (Unaudited) Contents | Report on Review of Interim Financial Statements | 1 | | --- | --- | | Consolidated Interim Statements of Financial Position | 3 | | Consolidated Interim Statements of Comprehensive Income | 4 | | Consolidated Interim Statements of Changes in Equity | 7 | | Consolidated Interim Statement ...

For SHB, retail lending decreased 2.5% YTD due to weaker demand on unsecured loans reflecting higher interest rates and tight DSR regulations, as well as asset securitization of mortgages Backed by strong loan demand from large corporates and quality SMEs, corporate lending grew by 5.5% YTD, driving SHB's loan growth 8 Non-interest Income Details of Non-interest Income Due to increased market volatility such as rising interest rates and KRW depreciation, securities-related income decreased by 36.6% QoQ. On ...

Page 6 is on the group's major business highlights and Page 7 shows the group's net income and income indicators provided for your information. Moving on to Page 8 on the group's income breakdown. Page 8 on the group's interest income. Interest income in Q3 2023 was KRW2.7633 trillion, up 2.6% Q-o-Q. It is attributable to growth in interest-bearing assets and business days despite the fall in the group's margin by 1 bp. In Q3, the bank's NIM was 1.63%, down 1 bp Q-o-Q due to loan growth, primarily in high-q ...

财务数据和关键指标变化 - 2023年第二季度净利润为1.2383万亿韩元,受到保守计提拨备的影响有所下降 [7] - 非利息收入为1.33万亿韩元,环比增长,主要得益于存款费收入的增长抵消了证券相关收入的下降 [15] - 成本收入比在上半年维持在38.3%的稳定水平,尽管受到通胀压力和数字化及ICT相关支出的上升 [8] - 信贷成本率为53个基点,同比上升22个基点,主要由于审慎计提拨备 [9] 各条业务线数据和关键指标变化 - 银行业务利息收入增长4.7%,主要得益于生息资产增加、银行利差扩大和非银行子公司融资成本下降 [12] - 银行贷款增长0.6%,其中零售贷款下降1.8%,但企业贷款增长2.8% [13] - 非利息收入增长3.4%,主要得益于信用卡和经纪业务收入的增长 [15][16] - 信用卡业务收入增长26.9%,经纪业务收入增长17.9% [16] 各个市场数据和关键指标变化 - 不良贷款率保持稳定,但信用卡逾期率有所上升,公司正采取前瞻性管理措施 [20][21] - 房地产融资总额为8.9万亿韩元,主要集中在首尔及首都圈,公司已进行压力测试并做好准备 [27][28] 公司战略和发展方向及行业竞争 - 公司正加大数字化转型力度,提升平台创新、社会责任和财务贡献 [36][37][38][39][40][41][42] - 海外业务方面,公司将继续审慎扩张,关注高增长潜力领域的并购机会 [59][60][61] - 公司将保持资本充足,CET1资本充足率目标从12%提高至13% [33][34][55] 管理层对经营环境和未来前景的评论 - 尽管面临高利率和经济放缓等挑战,公司将继续保持审慎的拨备政策,确保充足的损失吸收能力 [24][25][26][29] - 银行业务方面,预计下半年净息差将保持稳定或略有上升 [69] - 非银行业务方面,将继续拓展新的收入来源,提升整体盈利能力 [90][91][92][93] 其他重要信息 - 公司将继续执行股东回报政策,包括股份回购和注销 [55][70][71][84][85] 问答环节重要的提问和回答 问题1 **Shane Mathews 提问** 询问公司证券投资组合的久期情况 [88] **Park Cheol Woo 回答** 公司固定收益投资组合的久期情况 [90] 问题2 **Shane Mathews 提问** 询问信用卡业务对集团收益的贡献情况 [88] **Kim Nam-Jun 回答** 信用卡业务收入约为6000亿韩元,公司正在努力拓展新的收入来源 [91][92][93] 问题3 **Unidentified Analyst 提问** 询问公司股份回购和注销计划 [80] **Park Cheol Woo 回答** 公司将根据经济形势和监管变化,适当调整股份回购和注销计划,维持30%-40%的总股东回报率 [81][82][83][84][85]

1H23 Banks 60% Non-Banks 40% Capital 49,460 46,982 2,478.4 5.3% 48,928 532.1 1.1% CET1 40,244 37,288 2,956.7 7.9% 38,769 1,475.0 3.8% Tier 1 45,923 43,267 2,656.0 6.1% 45,340 583.8 1.3% BIS ratio 15.92% 16.11% -0.19%p 16.00% -0.08%p CET 1 ratio 12.95% 12.79% 0.16%p 12.68% 0.27%p Tier 1 ratio 14.78% 14.84% -0.06%p 14.83% -0.05%p 13.9% 11.1% 12.3% 14.9% 12.5% 13.4% 15.7% 12.9% 14.4% 16.2% 13.1% 14.9% RWA Movement (%) 12.68 Mar. 23 Decrease Increase Total 0.21 RWA RWA 4.9Wtn 0.46 Profit for Net Income 1.2Wtn C ...

Table of Contents As filed with the Securities and Exchange Commission on April 20, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER Pursuant to Rule 13a-16 or 15d-16 Under the Securities Exchange Act of 1934 For the Month of April 2023 SHINHAN FINANCIAL GROUP CO., LTD. (Translation of registrant's name into English) 20, Sejong-daero 9-gil, Jung-gu, Seoul 04513, Korea (Address of principal executive offices) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Fo ...