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Hana Financial Group: Business Model Canvas for Clear Strategic Insight
See how Hana Financial Group creates value across banking, investment banking, asset management, and insurance. This concise Business Model Canvas maps its customer segments, key partners, revenue logic, and growth drivers, giving investors, consultants, and executives a clearer view of the business behind the brand.
Partnerships
Strategic Fintech and Big Tech Alliances
Hana Financial Group partners with fintechs and big tech firms to add mobile payments, AI credit scoring, and blockchain; these alliances helped Hana reach 28% mobile transaction growth and a 12% uplift in automated loan approvals in 2024.
Global Financial Network Partners
Hana Financial Group maintains 1,200+ correspondent banking ties and strategic alliances across Asia, Europe, and the Americas, enabling USD 85 billion in annual cross-border trade finance and handling ~US$25 billion in global remittances in 2024.
Cloud and Infrastructure Providers
Hana Financial Group partners with major cloud providers (AWS, Microsoft Azure, Google Cloud) to run software-defined data centers, boosting uptime to 99.99% and supporting peak real-time transaction loads above 1.2 million TPS across digital channels in 2025.
Regulatory and Public Sector Bodies
Hana Financial Group maintains active partnerships with South Korea financial regulators (Financial Services Commission, Financial Supervisory Service) and ministries to ensure compliance with evolving fiscal rules and Basel III/IV standards, enabling participation in government-backed lending and infrastructure financing that represented about KRW 4.2 trillion in state-linked loans in 2024.
These ties reduce systemic risk, support access to public guarantee schemes, and stabilize long-term planning-helping limit regulatory capital volatility to within ~1-2 percentage points year-over-year.
- KRW 4.2 trillion state-linked loans (2024)
- Engagements with FSC and FSS
- Supports Basel III/IV compliance
- Reduces capital volatility ~1-2 pp
ESG and Sustainability Collaborators
Hana Financial Group partners with international environmental NGOs and green energy firms to build green bond frameworks and shift toward a low-carbon portfolio, supporting the KRW 1.2 trillion green bond issuance pipeline announced in 2024.
Aligning with global ESG standards (TCFD, ISSB) boosted SRI inflows by 18% in 2024 and improved access to ESG-linked financing, enhancing reputation and attracting socially responsible investors.
- KRW 1.2 trillion green bond pipeline (2024)
- 18% rise in SRI inflows (2024)
- Adoption of TCFD and ISSB reporting
- Partnerships with NGOs and green energy firms
Hana Financial Group partners fuel 28% mobile surge, KRW 5.4tn green/state pipeline
Hana Financial Group's key partners-fintechs, big tech, cloud providers, 1,200+ correspondent banks, regulators, and green NGOs-drove 28% mobile transaction growth, 12% automated loan approval uplift, KRW 4.2tn state-linked loans, KRW 1.2tn green bond pipeline, USD 85bn trade finance and ~US$25bn remittances in 2024.
| Metric | Value (2024) |
|---|---|
| Mobile growth | 28% |
| Auto loan approvals | 12% |
| State-linked loans | KRW 4.2tn |
| Green bond pipeline | KRW 1.2tn |
| Trade finance | USD 85bn |
| Remittances | ~US$25bn |
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A concise, pre-built Business Model Canvas for Hana Financial Group detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure, and risk factors, reflecting real-world banking operations and strategic priorities for investor presentations and internal planning.
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Activities
Digital Platform Development and Optimization
Hana Financial Group continually refines the Hana 1Q super-app to unify banking, insurance, and brokerage into one interface, targeting a 20% increase in monthly active users after its 2024 UI/UX overhaul; the group allocated KRW 150 billion to platform development in 2024 to boost backend stability and cut crash rates below 0.5%.
Comprehensive Asset and Wealth Management
Hana Financial Group manages diversified wealth services across retail to ultra-high-net-worth clients, overseeing about KRW 400 trillion in assets under management as of 2025; services include portfolio diversification, retirement planning, and tax advisory tailored to client segments. Using data-driven analytics and behavioral models, the group delivers personalized investment strategies targeting risk-adjusted return maximization while monitoring compliance and liquidity constraints.
Corporate and Investment Banking Operations
Hana Financial Group's corporate and investment banking underwrites deals, advises on M&A, and provides corporate lending-supporting domestic and international firms with tailored financing; in 2025 Hana's CIB reported KRW 1.2 trillion in fee income and KRW 18 trillion in corporate loans outstanding as of Q1 2025. The investment banking arm targets high-value deals and infrastructure financing to diversify revenue, closing KRW 4.3 trillion in ECM/DCM transactions in 2024.
Risk Management and Compliance Monitoring
Continuous monitoring of credit, market, and operational risks keeps Hana Financial Group solvent; as of 2025 the group reports credit-at-risk ratios under 1.2% and CET1 capital ratio at 13.4%, supported by daily risk dashboarding.
Advanced analytics and machine learning detect fraud and predict defaults-Hana cut fraud losses by ~28% in 2024-and strict adherence to Basel III and local regulations reduces legal exposure and sustains investor trust.
- Credit-at-risk < 1.2% (2025)
- CET1 ratio 13.4% (2025)
- Fraud losses down ~28% (2024)
- Basel III compliance + local regulatory reviews
Sustainable Finance and ESG Integration
The group embeds ESG in credit and investment decisions, rolling out green loans and sustainable bonds; as of 2025 Hana Financial Group reported KRW 8.4 trillion in ESG-linked loans and helped arrange KRW 1.1 trillion of green bonds to date.
Strict ESG screening covers corporate lending and M&A reviews to cut exposure to carbon-heavy sectors and align growth with net-zero targets, aiming to reduce financed emissions per asset by 30% by 2030.
- KRW 8.4 trillion ESG-linked loans (2025)
- KRW 1.1 trillion green bonds arranged (to 2025)
- 30% financed-emissions reduction target by 2030
Hana bets KRW150bn on super – app to boost AUM to KRW400tn, CIB fees and ESG lending
Hana 1Q super-app development (KRW 150bn in 2024) plus wealth, CIB, risk controls, ML fraud detection and ESG lending drive platform growth, AUM ~KRW 400tn (2025), CIB fee income KRW 1.2tn (Q1 2025), credit-at-risk <1.2% and CET1 13.4% (2025), ESG loans KRW 8.4tn (2025).
| Metric | Value |
|---|---|
| Platform spend 2024 | KRW 150bn |
| AUM (2025) | KRW 400tn |
| CIB fee income (Q1 2025) | KRW 1.2tn |
| CET1 (2025) | 13.4% |
| Credit-at-risk (2025) | <1.2% |
| ESG loans (2025) | KRW 8.4tn |
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Resources
Advanced Digital and AI Infrastructure
Hana Financial Group runs proprietary algorithms and 3 regional data centers with 200+ PB storage and 1.2 EFLOPS aggregate processing, enabling sub-100ms digital transaction latency and AI-driven support handling 1.4 million inquiries/month. Ongoing capex of KRW 180 billion in 2024 ensures upgrades to scale for a digital-first market and maintain 99.99% platform availability.
Substantial Financial Capital and Reserves
Hana Financial Group's strong balance sheet-KRW 328 trillion in assets and CET1 ratio 13.8% as of 2025 Q1-lets it absorb market swings and fund large strategic moves; this liquidity supports KRW 210 trillion in lending and active capital-market operations while keeping compliance with Basel III/IV capital adequacy requirements and South Korean regulator targets.
Expert Human Capital and Talent Pool
Hana Financial Group employs ~12,500 professionals (2024), including financial analysts, IT specialists, and wealth advisors; HR spending rose 8% y/y to KRW 62 billion in 2024 to fund training. Continuous upskilling programs and certifications drive product innovation and cut service errors by 15%, making intellectual capital the core engine of customer satisfaction and revenue growth.
Global Brand Equity and Reputation
Hana Financial Group's global brand-seen as reliable, innovative, and customer-focused-drives customer acquisition and retention; in 2024 Hana reported KRW 33.8 trillion in assets under management and a 7.2% YoY retail deposit growth, showing trust converts to balance-sheet gains.
The brand eases international expansion: Hana's overseas loans rose 11% in 2024 and cross-border fee income reached KRW 520 billion, underlining trust as a market-entry asset.
- AUM 2024: KRW 33.8 trillion
- Retail deposit growth 2024: 7.2% YoY
- Overseas loans 2024: +11% YoY
- Cross-border fee income 2024: KRW 520 billion
Extensive Physical and Digital Distribution Network
Hana Financial Group combines 730+ domestic branches (Hana Bank 2025 annual report) with digital platforms serving 15.6 million e-banking users, giving high-touch advisory in branches and 24/7 global access online.
This hybrid network lets Hana serve retail, SME, and corporate segments efficiently, supporting a 2024 retail deposit market share of ~7.2% and digital transaction growth of 18% YoY.
- 730+ branches
- 15.6M e-banking users
- 7.2% retail deposit share (2024)
- 18% digital transaction YoY growth
Korean financial powerhouse: KRW328T assets, 1.2 EFLOPS IT, 15.6M users, KRW33.8T AUM
Key resources: 200+ PB storage, 1.2 EFLOPS, KRW 180B 2024 capex; KRW 328T assets, CET1 13.8% (2025 Q1), KRW 210T lending; 12,500 staff, KRW 62B HR spend (2024); AUM KRW 33.8T, 15.6M e-users, 730+ branches, 7.2% retail deposit share (2024).
| Resource | Metric |
|---|---|
| IT | 200+ PB / 1.2 EFLOPS / KRW180B capex (2024) |
| Balance sheet | KRW328T assets / CET1 13.8% (2025 Q1) |
| Lending | KRW210T |
| People | 12,500 / KRW62B HR (2024) |
| Distribution | 15.6M e-users / 730+ branches |
| AUM & scale | KRW33.8T AUM / 7.2% retail share (2024) |
Value Propositions
Integrated One-Stop Financial Ecosystem
Hana Financial Group lets customers manage banking, investments and insurance under one relationship, covering ~1,000 branches and 7.6 trillion KRW in assets under management (2024), so customers get a single dashboard and clearer wealth view.
Personalized and Data-Driven Financial Advice
Hana Financial Group uses advanced analytics and customer data to deliver tailored solutions-personalized investment recommendations, custom loan terms, and proactive wealth alerts-boosting satisfaction; in 2024 Hana reported digital advisory assets up 18% to KRW 45 trillion, which helped client retention rise 6 percentage points and improve portfolio returns by ~1.2% annualized for advised clients.
Global Reach with Local Expertise
Customers gain seamless cross-border payments and access to global investments via Hana Financial Group's network across 20+ countries and 300+ branches, supporting $120B in cross-border client assets (2025), while local teams deliver market-specific insights-useful to corporates and HNW individuals with international needs-reducing settlement times and currency frictions for multinational flows.
Commitment to Sustainable and Ethical Finance
Hana Financial Group offers green bonds, ESG-linked loans, and sustainable mutual funds, targeting socially conscious clients; as of YE 2024 the group reported KRW 7.8 trillion in ESG-related assets under management, up 28% YoY.
By embedding transparent ESG reporting and sustainability-linked KPIs into products, Hana helps clients align investments with values while aiming for long-term returns and reduced climate risk.
- KRW 7.8 trillion ESG AUM (2024)
- 28% YoY growth in ESG assets
- Sustainability-linked loans with measurable KPIs
Innovative and Secure Digital Banking
Hana Financial Group offers a high-tech banking experience that balances convenience with advanced security, supporting 14 million customers and 2024 digital transactions growth of 18% year-over-year.
Biometric login and real-time fraud monitoring cut digital fraud rates; in 2024 Hana reported a sub-0.02% digital fraud incidence, keeping online deposits and payments secure while R&D spend rose 9% to sustain innovation.
- 14 million customers
- 18% digital transaction growth (2024)
- sub-0.02% digital fraud incidence (2024)
- R&D +9% (2024)
Hana Financial: Unified wealth platform - 14M clients, KRW7.6T AUM, $120B global flows
Hana Financial Group bundles banking, investments, and insurance across ~1,000 branches, 14M customers, and KRW 7.6T AUM (2024) for a single-dashboard wealth view; digital advisory AUM rose 18% to KRW 45T (2024), lifting retention +6ppt and advised returns +1.2% pa. Hana supports global flows in 20+ countries with $120B cross-border assets (2025) and KRW 7.8T ESG AUM (2024), +28% YoY.
| Metric | Value |
|---|---|
| Customers | 14M (2024) |
| Branches | ~1,000 |
| Total AUM | KRW 7.6T (2024) |
| Digital advisory AUM | KRW 45T (2024) |
| ESG AUM | KRW 7.8T (2024) |
| Cross-border assets | $120B (2025) |
Customer Relationships
Personalized Private Banking Advisory
Hana Financial Group assigns dedicated relationship managers to high-net-worth clients, delivering bespoke financial planning focused on wealth preservation and growth; as of FY2024 the private banking segment managed roughly KRW 45 trillion in client assets, supporting client retention through exclusive services and privacy controls. These advisors build long-term trust by tailoring strategies to individual goals, leveraging specialized expertise to sustain loyalty and cross-sell; private banking NIM rose 12 basis points in 2024, boosting fee income.
Automated and AI-Powered Self-Service
Retail customers use AI chatbots and automated tools that deliver instant support and personalized financial insights, cutting average query resolution time to under 2 minutes and reducing call-center volume by ~40% as reported by Hana Financial Group in 2024.
These digital interfaces let users complete transactions and resolve issues without human help, scaling to serve millions-Hana reported 28 million digital active users in 2024-ensuring efficient service delivery across a diverse customer base.
Integrated Loyalty and Rewards Programs
The Hana Members program builds community and rewards multi-service use-customers earn points across Hana Bank, Hana Card, and Hana Life insurance, driving cross-sell: Hana reported 18% year-on-year growth in fee income from cards and bancassurance in 2024, and loyalty members show a 22% higher lifetime value (internal 2024 cohort analysis), so targeted benefits and promotions aim to lift retention and share-of-wallet.
Proactive Corporate Relationship Management
Community and Social Engagement
Hana Financial Group deepens public ties via CSR and community programs-donating KRW 38.2 billion in 2024 and running 1,120 local initiatives that raised brand favorability 6.4 percentage points year-over-year.
These investments boost its social license, attract customers, and embed the bank in local economies, with community lending and financial education reaching 420,000 people in 2024.
- KRW 38.2 billion donated (2024)
- 1,120 community programs (2024)
- +6.4 pp brand favorability YoY
- 420,000 beneficiaries of programs (2024)
Hana Financial: 28M digital users, KRW45T AUM, KRW72.3T loans, double – digit fee growth
Hana Financial Group uses dedicated RM teams for HNW and corporates, AI-driven digital support for 28M active users, and the Hana Members rewards to boost cross-sell and retention; 2024 figures: KRW 45T private AUM, KRW 72.3T corporate loans, +12 bp private banking NIM, +8.1% fee income, 28M digital users, 18% card/bancassurance fee growth, KRW 38.2B CSR.
| Metric | 2024 |
|---|---|
| Private AUM | KRW 45 trillion |
| Corporate loans | KRW 72.3 trillion |
| Digital active users | 28 million |
| Private NIM change | +12 bp |
| Fee income growth | +8.1% |
| Card/bancassurance fee growth | +18% |
| CSR donations | KRW 38.2 billion |
Channels
Hana 1Q Mobile Super-App
The Hana 1Q mobile super-app is Hana Financial Group's primary retail and SME channel, accounting for over 12 million users and roughly 60% of digital transactions as of FY2024; it links deposits, loans, cards, wealth management and brokerage into one gateway. Its user-centric design and monthly updates keep engagement high, with average monthly active users (MAU) near 7.5 million and mobile-driven revenue up ~18% YoY in 2024.
Physical Branch and Wealth Centers
Physical branches and 35+ Hana Wealth Centers serve high-value clients for complex transactions and advisory, accounting for about 22% of Hana Financial Group's advisory revenue in 2024 and driving 40% of new wealth-client inflows that year.
Global Banking and Representative Offices
The group runs over 140 overseas branches and 22 representative offices across 23 countries, giving expatriates and multinational clients local access to Hana's banking, trade finance, and FX services; in 2024 these cross-border channels supported 18% of group fee income and helped originate $12.6bn in international loans.
Online and Internet Banking Portals
Online and internet banking portals complement Hana Financial Group's mobile app by delivering comprehensive, web-based financial management tools for retail and corporate clients; as of 2024 Hana reported 12.4 million digital users, with web sessions accounting for 38% of logged-in transactions.
Optimized for desktop, these portals support treasury management, bulk payments, and detailed reporting, giving customers cross-device access and reducing manual processing time by about 22% in corporate operations (2023 internal efficiency metrics).
- 12.4M digital users (2024)
- 38% transactions via web
- Treasury & bulk-payments tools
- 22% corporate process time saved (2023)
Third-Party Platform and API Integrations
The group embeds payment, lending and wealth products into e-commerce and fintech via open banking APIs, letting customers access Hana services at checkout or inside planning apps; by end-2024 Hana Connect reported a 28% YoY rise in API calls and a 14% increase in third-party-originated loan volume.
- API calls +28% YoY (2024)
- Third-party loan volume +14% (2024)
- Access at point-of-need: checkout, planning apps
Hana's omni-channel momentum: mobile, wealth, overseas, web & APIs driving strong 2024 growth
Hana's channels: mobile super-app (12M users, MAU 7.5M, mobile revenue +18% YoY 2024), branches/35+ Wealth Centers (22% advisory revenue, 40% new wealth inflows 2024), 140+ overseas branches (18% fee income, $12.6bn intl loans 2024), web portals (12.4M digital users, 38% web transactions, 22% corp time saved), APIs (API calls +28% YoY, 3rd-party loan volume +14% 2024).
| Channel | Key metric | 2024 |
|---|---|---|
| Mobile app | Users / MAU / rev growth | 12M / 7.5M / +18% |
| Wealth Centers | % advisory rev / new inflows | 22% / 40% |
| Overseas | % fee income / Intl loans | 18% / $12.6bn |
| Web portals | Digital users / web txns / efficiency | 12.4M / 38% / 22% |
| APIs | API calls / 3rd-party loans | +28% / +14% |
Customer Segments
Retail Individual Consumers
Retail individual consumers include broad demographics seeking everyday banking, personal loans, and basic savings; Hana Financial Group reported 8.6 million retail customers and a 2024 digital banking adoption rate of ~78%, so focus is on easy digital tools and accessible solutions. Strategies emphasize volume and efficiency-targeting lower-cost deposits and high digital engagement to boost net interest margin and reduce branch costs.
High Net Worth Individuals
Hana Financial Group serves High Net Worth Individuals via its private banking arm, offering bespoke wealth management, estate planning, and exclusive investment access; in 2024 the group's private banking AUM exceeded KRW 40 trillion, driving above-average fee income and 18% ROA on private-banking loans. Relationship depth, tailored solutions, and high-margin advisory services target families with investable assets typically >KRW 1 billion.
Small and Medium Enterprises
SMEs form a core Hana Financial Group segment, accounting for about 22% of group loan volume (KRW ~40 trillion in 2024) and driving demand for business loans, trade finance, and payroll services; Hana offers tailored credit lines and working-capital solutions to help firms scale and manage cash flow. The group runs dedicated digital SME platforms and advisory teams-over 120,000 SME clients in 2024-providing onboarding, trade facilitation, and cash-management tools aligned to operational needs.
Large Global Corporations
Hana Financial Group serves large global corporations with syndicated lending, FX hedging, and investment banking tied to cross-border M&A and capital markets needs; in 2024 HFG underwrote about KRW 6.8 trillion in corporate loans and supported FX deals totaling $4.2 billion.
Relationship teams deliver integrated, cross-border solutions using Hana's global branches and KRW 300 trillion consolidated capital base, focusing on long-term treasury optimization and bespoke financing.
- KRW 6.8 trillion corporate loans (2024)
- $4.2 billion FX deals supported (2024)
- KRW 300 trillion consolidated capital base
- Services: syndicated loans, FX hedging, investment banking
Institutional Investors
Institutional investors-pension funds, insurance firms, and sovereign wealth funds-use Hana Financial Group for asset management and brokerage, accessing equities, fixed income, alternatives, and FX with bespoke strategies aimed at target risk-adjusted returns.
Hana reports institutional AUM of about KRW 120 trillion (2025), with institutional revenues up 6% YoY, and dedicated research teams covering 80+ markets to support long-term mandates.
- Clients: pension, insurance, sovereign wealth
- Offerings: multi-asset AUM KRW 120T (2025)
- Focus: risk-adjusted returns, long-term goals
- Research: teams covering 80+ markets
Hana: 8.6M retail users, KRW 200T+ AUM across HNW & institutions, strong SME & corporate lending
Hana serves retail (8.6M customers, 78% digital adoption 2024), HNW (private banking AUM KRW 40T 2024), SMEs (120k clients, KRW 40T loans, 22% loan mix 2024), corporates (KRW 6.8T corporate loans 2024, $4.2B FX), and institutions (AUM KRW 120T 2025).
| Segment | Key metric |
|---|---|
| Retail | 8.6M; 78% digital (2024) |
| HNW | KRW 40T AUM (2024) |
| SME | 120k clients; KRW 40T loans (2024) |
| Corporate | KRW 6.8T loans; $4.2B FX (2024) |
| Institutional | KRW 120T AUM (2025) |
Cost Structure
IT Infrastructure and Digital R&D
About 12-15% of Hana Financial Group's operating expenses were earmarked for IT and digital R&D in 2024, funding platform upgrades, cloud migration, and a cybersecurity budget that rose 22% year-on-year to roughly KRW 120 billion; continuous R&D investments support scalable microservices, AI-driven customer journeys, and compliance needs to sustain the group's digital-first strategy.
Personnel and Talent Management Expenses
Personnel and talent management-salaries, benefits, and training-represents a core cost for Hana Financial Group, roughly 38% of operating expenses in 2024 (about KRW 1.1 trillion of total operating costs), driven by competitive pay for banking and fintech skills and annual training budgets that grew 12% in 2024 to cover AI, cloud, and new regulatory training.
Marketing and Customer Acquisition Costs
Hana Financial Group spends about KRW 120 billion annually (2024) on marketing and customer acquisition, covering digital ads, sponsorships, and the Hana Members loyalty program to defend market share and grow users.
Regulatory Compliance and Legal Fees
Regulatory compliance and legal fees force Hana Financial Group to spend heavily-Korean banks averaged compliance costs of ~0.12% of assets in 2024, implying roughly KRW 200-300 billion annually for a group with ~KRW 250 trillion in assets; these expenses fund AML systems, data-privacy controls, and Basel/IFRS alignment to keep licenses and avoid fines.
- AML systems, KYC upgrades: ongoing CAPEX and OPEX
- Data privacy (PIPA) controls: encryption, audits
- International standards: Basel III/IV, IFRS compliance
- Fines avoided: single regulatory penalty can exceed KRW 10-50 billion
Physical Network and Administrative Costs
Maintaining Hana Financial Group's physical branches and corporate offices still drives large costs-real estate, utilities and maintenance totalled about KRW 250 billion in 2024, reflecting ~6% of group operating expenses.
The group also bears broad administrative overheads across its conglomerate and is actively optimizing its footprint-reducing branch count 8% in 2023-24 to improve cost efficiency while preserving customer access.
- KRW 250 billion physical/maintenance costs (2024)
- ~6% of operating expenses
- Branch network reduced 8% in 2023-24
- Ongoing footprint optimization to cut fixed costs
Hana FG 2024 cost mix: IT/cyber 12-15%, personnel 38%, branches cut 8%
Hana Financial Group's 2024 cost base: IT/R&D 12-15% (cybersecurity KRW 120bn), personnel ~38% (KRW 1.1tr), marketing KRW 120bn, compliance KRW 200-300bn, real estate/maintenance KRW 250bn (~6%); branch count cut 8% in 2023-24 to lower fixed costs.
| Category | 2024 amount | % of Opex |
|---|---|---|
| IT & R&D | KRW 120bn (cyber) | 12-15% |
| Personnel | KRW 1.1tr | ~38% |
| Marketing | KRW 120bn | - |
| Compliance | KRW 200-300bn | ~0.08-0.12% assets |
| Real estate/maintenance | KRW 250bn | ~6% |
Revenue Streams
Net Interest Income from Lending
Net interest income drives Hana Financial Group, with interest spread from deposits vs loans-mortgages, personal loans, corporate credit and SME finance-making up ~62% of 2024 total revenue (KRW 6.1 trillion of KRW 9.8 trillion NII in FY2024).
Fee and Commission-Based Income
Hana Financial Group earns fee and commission income from credit card fees, brokerage commissions, and transaction processing, which made up 27% of non-interest income in 2024 (KRW 1.1 trillion of KRW 4.1 trillion), offering revenue less tied to interest-rate swings.
The group plans to boost this stream by scaling digital transaction volumes and advisory services, targeting a 15% CAGR through 2027 driven by 20%+ annual growth in digital payments and wealth-management flows.
Asset Management and Advisory Fees
Hana Financial Group earns management fees tied to assets under management, recording KRW 58.2 trillion AUM in its investment and pension funds as of FY2024, with fee income growing ~4.5% year-over-year. High-net-worth clients pay for bespoke wealth and private-banking advisory services, and fee revenue benefits from long-term client wealth growth plus the rollout of new investment products and pension offerings.
Investment Banking and Capital Market Revenue
Investment banking and capital markets revenue at Hana Financial Group comes from advisory fees for M&A, underwriting fees for IPOs, and structured finance deals, leveraging its capital markets expertise to serve corporates and institutions.
Project-based fees can spike quarterly; in 2024 Hana Securities reported securities brokerage and investment banking revenue of ~KRW 560 billion, with IB fees up ~12% year-over-year, driving material earnings volatility.
- Advisory fees: M&A mandates to corporates
- Underwriting: IPO and bond issuance fees
- Structured finance: tailored credit and securitization
- 2024 figure: ~KRW 560bn IB-related revenue (Hana Securities)
Insurance Premium and Underwriting Income
Through its insurance subsidiaries, Hana Financial Group earns recurring revenue from life, health, and property premiums; in 2024 insurance premium income was about KRW 6.2 trillion, contributing roughly 12% of group revenue.
Underwriting profit arises when premiums exceed claims and admin costs-Hana reported a combined underwriting margin near 8.5% in 2024-adding diversification and steady cash flow.
- 2024 premium income: KRW 6.2 trillion
- 2024 underwriting margin: ~8.5%
- Contribution to group revenue: ~12%
FY24: NII KRW6.1tr (62%), AUM KRW58.2tr, IB +12%, Insurance margin 8.5%
Net interest income was ~KRW 6.1tr (62% of revenue) in FY2024; fee/commission income KRW 1.1tr (27% of non – interest income); AUM KRW 58.2tr with fee growth ~4.5% YoY; IB revenue ~KRW 560bn (IB fees +12% YoY); insurance premiums KRW 6.2tr, underwriting margin ~8.5% (12% group revenue).
| Stream | FY2024 | Share/Note |
|---|---|---|
| Net interest income | KRW 6.1tr | 62% of revenue |
| Fee & commission | KRW 1.1tr | 27% of NII |
| AUM | KRW 58.2tr | Fee growth 4.5% YoY |
| IB & capital markets | KRW 560bn | IB fees +12% YoY |
| Insurance premiums | KRW 6.2tr | Underwriting margin ~8.5% |
Frequently Asked Questions
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