Annual Report 2021

BEYOND FINANCE.

The year 2021 was marked by the pandemic which has led to extreme volatility, bringing a large part of the world to a standstill and changing our lives dramatically. We need to adopt new solutions in this challenging era.

Hana Financial Group is pursuing the “NEXT 2030 Management Principle” based on which we are adopting digital DNA ^{PLATFORM-BASED FINANCE,} building global momentum ^{GLOBALLY-ORIENTED FINANCE,} and creating sustainable value ^{ESG-DRIVEN FINANCE,} transforming the concept of finance towards a new future.

Letter from the CEO

I sincerely thank our shareholders and customers for your encouragement and support for the Group’s growth and development over the years. As the new CEO of Hana Financial Group, I will further enhance corporate and shareholder values to my best ability.

Ham Young-joo CEO, Hana Financial Group

Read the message from the CEO

A

Platform-based Finance
B
C

Adding

Digital DNA

We are entering the Fourth Industrial Revolution era in which cutting-edge technologies, such as AI, robotics, and big data, will become new growth drivers. Amid a global tide of digital transformation, Hana Financial Group, under the slogan of “Digital First”, is expediting its pace of digital transformation of products and services. Our digital transformation is another extension of innovations we have planned for and systematically implemented over the years. It is also a distinctive growth strategy that adds digital DNA to the traditional strengths.

Building

Global Momentum

Hana Financial Group continues to take on diverse challenges to become a leading digital financial group. While improving our profitability, we also are expanding our presence in emerging financial markets and thus gaining global growth momentum based on localization strategies. We are also focusing on expanding platform-based digital financial services. As a result of these growth strategies successfully executed in the face of a global pandemic, we achieved a global income of KRW 687.1 billion, a year-on-year increase of 23.6%, in 2021.

Creating

Sustainable Value

The word “ESG” has become main stream of late, but the concept is not so recent. First used in the early 2000s, the concept started to evolve into a business management practice which in turn has gained solid traction as the social role and responsibility of corporations have become important in addressing COVID-19, climate crisis, and other common problems of mankind. Hana Financial Group’s ESG management is not a recent development, either. After choosing “Happy Finance” as a new management slogan in 2015, we have since been practicing finance in such a way as to grow together and share happiness with stakeholders, proactively building ESG management systems, and as a result, riding high forward on the crest of global ESG waves.

Key Figures

KEY FINANCIAL FIGURES

0

Consolidated net income of the Group exceeded
KRW 3 trillion for the first time

0.00

%

ROA improved by 0.13%p YoY

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%

C/I Ratio improved by 1.37%p YoY

KEY SUSTAINABILITY FIGURES

0

%

Ratio of female employees

Included in the Bloomberg Gender Equality Index

Zero & Zero

Reduce the financing of coal-related project to zero and leaving no carbon footprint throughout our operations by 2050

Received the A- grade and included in the Honors Club for 2 consecutive years

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FULL REPORT

Hana Financial Group Annual Report 2021

PDF Chapters

Letter from the CEO
Cover Story
Group Overview
Business Review
Management’s Discussion and Analysis
2021 Audited Financial Statements