{"product_id":"shinhangroup-business-model-canvas","title":"Shinhan Financial Group Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShinhan Financial Group: Business Model Canvas for Clear Strategy and Growth Insight\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic blueprint behind Shinhan Financial Group's diversified financial platform-this Business Model Canvas maps how the group creates value across banking, securities, credit cards, life insurance, and asset management; ideal for executives, investors, and analysts seeking a clear view of customer segments, revenue drivers, and the subsidiary network supporting domestic and international expansion. Download the complete Word\/Excel canvas to sharpen benchmarking, evaluate monetization logic, and support faster strategic decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Fintech Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group partners with emerging fintechs to embed payment and wealth-management tools across its network, accelerating deployments that cut time-to-market by roughly 30% versus internal builds; by end-2025 these alliances include global blockchain and AI research centers. This model reduces R\u0026amp;D spend volatility, shifting an estimated KRW 120-150 billion in experimental costs to partner-backed pilots while keeping Shinhan competitive with digital-only banks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Banking Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group partners with global banks such as Japan's Mizuho Financial Group to enable cross-border deals and joint ventures, supporting expansion in Southeast Asia where Shinhan's overseas assets reached about KRW 60 trillion (2024). These alliances yield joint credit facilities and co-investments, giving Shinhan local market expertise, shared infrastructure, and diversified geographic revenue and risk exposure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Cloud Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan partners with global and Korean cloud leaders (eg, AWS, Google Cloud, Naver Cloud) to run the Shinhan Super SOL app and data platforms, using scalable cloud-native infrastructure that handled peak loads of 5M daily sessions in 2024; contracts mandate encryption, SOC2\/ISO27001 compliance and Korea's Financial Services Commission rules to keep customer data protected, ensuring \u0026gt;99.95% uptime and low-latency performance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Regulatory Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs a systemic financial institution, Shinhan Financial Group coordinates with the Financial Services Commission and other regulators to support market stability and secure licenses, with regulatory capital ratio (BIS CET1) at 13.2% as of 2025 Q1 reflecting strong compliance.\u003c\/p\u003e\n\u003cp\u003eEngaging in policy dialogue aligns Shinhan's strategy with South Korea's economic goals and changing laws, reducing legal risk and protecting long-term operations.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRegular dialogue with FSC and BoK\u003c\/li\u003e\n\u003cli\u003e13.2% CET1 ratio (2025 Q1)\u003c\/li\u003e\n\u003cli\u003eLicensing across 20+ jurisdictions\u003c\/li\u003e\n\u003cli\u003eProactive compliance reduces systemic risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail and Lifestyle Ecosystem Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eShinhan embeds banking into e-commerce, mobility, and delivery apps, enabling in-app loans, payments, and insurance; by 2024 these partnerships helped generate over KRW 1.2 trillion in fee and interchange revenue across channel integrations.\u003c\/p\u003e\n\u003cp\u003eSharing transaction data and loyalty points cuts customer acquisition cost-est. 40% lower vs. digital ads-and increases daily touchpoints, raising active customer engagement by ~18% year-over-year in 2023-24.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIn-app payments, loans, insurance\u003c\/li\u003e\n\u003cli\u003eKRW 1.2T revenue (2024)\u003c\/li\u003e\n\u003cli\u003e~40% lower acquisition cost\u003c\/li\u003e\n\u003cli\u003e+18% active engagement (2023-24)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShinhan cuts time-to-market 30%, drives KRW1.2T fees, KRW60T overseas assets, CET1 13.2%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan's key partners-fintechs, global banks (eg, Mizuho), cloud providers (AWS\/Google\/Naver), regulators-cut time-to-market ~30%, shift KRW 120-150B experimental costs to pilots, support KRW 60T overseas assets (2024), ensure \u0026gt;99.95% uptime, and generated KRW 1.2T fees (2024); CET1 13.2% (2025 Q1).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTime-to-market\u003c\/td\u003e\n\u003ctd\u003e-30%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eR\u0026amp;D shifted\u003c\/td\u003e\n\u003ctd\u003eKRW 120-150B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOverseas assets\u003c\/td\u003e\n\u003ctd\u003eKRW 60T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee revenue\u003c\/td\u003e\n\u003ctd\u003eKRW 1.2T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e13.2% (2025 Q1)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise Business Model Canvas for Shinhan Financial Group outlining customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structure, reflecting real-world banking, insurance, and fintech operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Shinhan Financial Group's strategy into a digestible one-page Business Model Canvas, saving hours of structuring while enabling quick comparison, team collaboration, and use in boardroom or teaching settings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platform Development and Optimization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan's key activity is continuous Super SOL app improvement to unify banking, brokerage, and insurance into one high-speed interface, targeting a 20-30% increase in cross-sell rates; developers deploy agile sprints-weekly releases-and A\/B tests informed by 12m user-feedback samples (2024) to cut drop-off by 15%. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Credit Analysis\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan uses AI-driven credit models and real-time market monitors to keep non-performing loan ratio near 0.35% (2024) and protect CET1 capital, adjusting lending criteria as global PMI, CPI, and FX moves change; this helped sustain net interest margin around 1.92% in 2024. Constant macro monitoring lets Shinhan lower PDs and offer competitive rates, supporting loan growth while preserving capital buffers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Product Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group's research teams design new instruments-like ESG-themed funds and tailored retirement solutions-using data analytics to pinpoint market gaps; in 2024 Shinhan Asset Management launched three ESG ETFs that helped grow group AUM to about KRW 420 trillion, capturing fresh fee income. By staying ahead of trends, the group targets higher-margin retail and institutional mandates, aiming to lift product-driven revenue share versus peers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer Relationship Management and Marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShinhan Financial Group runs data-driven marketing that segments customers for personalized advice and product offers, using omnichannel campaigns across ~1,000 branches and digital channels to keep messaging consistent; digital sales grew 28% y\/y in 2024, boosting fee income.\u003c\/p\u003e\n\u003cp\u003eLoyalty program Shinhan Plus drives retention and lifetime value-over 10 million members as of Dec 2024-with targeted promotions that help keep brand top-of-mind in a crowded Korean financial market.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eData-driven personalization: segment-level targeting\u003c\/li\u003e\n\u003cli\u003eOmnichannel: ~1,000 branches + web\/app\u003c\/li\u003e\n\u003cli\u003eDigital sales growth: +28% y\/y (2024)\u003c\/li\u003e\n\u003cli\u003eShinhan Plus: 10M+ members (Dec 2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Management and Wealth Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShinhan offers high-net-worth and institutional clients active portfolio management across equities, bonds and alternatives, leveraging proprietary research to target long-term returns and risk control; wealth advisory fees contributed about 18% of 2024 Shinhan Financial Group fee income, supporting stable recurring revenue.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFee income share: ~18% of 2024 fees\u003c\/li\u003e\n\u003cli\u003eAssets under management: ~KRW 210 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eClient segments: HNWIs, pensions, insurers\u003c\/li\u003e\n\u003cli\u003eServices: discretionary mandates, bespoke advice, alternatives\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShinhan Super SOL boosts cross-sell 20-30%, AUM KRW420T, NPL 0.35% - 10M+ members\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan's key activities: iterate Super SOL for unified banking\/brokerage\/insurance-weekly agile releases and A\/B tests on 12m user samples (2024) to raise cross-sell 20-30% and cut drop-off 15%; AI credit models keep NPL ~0.35% and NIM ~1.92% (2024); asset management grew AUM to KRW 420T, fees +18% share; loyalty Shinhan Plus 10M+ members (Dec 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell target\u003c\/td\u003e\n\u003ctd\u003e20-30%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUsers sampled\u003c\/td\u003e\n\u003ctd\u003e12M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL ratio\u003c\/td\u003e\n\u003ctd\u003e0.35%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e1.92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM (group)\u003c\/td\u003e\n\u003ctd\u003eKRW 420T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee share (wealth)\u003c\/td\u003e\n\u003ctd\u003e18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eShinhan Plus members\u003c\/td\u003e\n\u003ctd\u003e10M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact Shinhan Financial Group Business Model Canvas you'll receive after purchase - not a mockup or sample, but a direct snapshot from the final file.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get full access to this same professional, ready-to-use document in editable formats, structured and formatted exactly as shown here.\u003c\/p\u003e\n\u003cp\u003eNo surprises or fillers: the previewed content is part of the final deliverable, instantly downloadable and ready to present, edit, or share.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Capital and Deposit Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan's large deposit base-KRW 420 trillion in customer deposits as of FY2024-provides core liquidity to fund loans and investments, while a CET1 ratio of 13.1% (end-2024) cushions against shocks and meets regulators. This capital strength and diversified funding (wholesale, bonds, covered repos) enabled 2023-24 strategic deals and supports multiyear growth investments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced AI and Data Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group's proprietary analytics platform processes over 10 billion transactions annually, powering personalized bots, fraud detection, and algo-trading models; these AI systems contributed to a 12% YoY lift in fee income in 2024. The group has invested roughly KRW 1.2 trillion in server farms and cybersecurity through 2025, making data capabilities a core competitive moat in Korea's financial sector.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Financial Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan relies on a skilled workforce of financial analysts, IT specialists, and relationship managers; as of 2024 the group reported 32,000 employees, with HR investment focused on continuous training to cover fintech, AI and regulatory updates. Management expertise steers strategy and ops-Shinhan spent KRW 120 billion on talent development in 2023-so attracting and retaining top talent remains a priority for service quality and innovation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eShinhan Financial Group's extensive branch and ATM network remains vital for trust and complex advisory services; as of end-2025 the group operated ~1,000 branches and 13,500 ATMs across Korea and key Asian markets, supporting high-touch segments and wealth management clients.\u003c\/p\u003e\n\u003cp\u003eBranches are shifting to digital-hybrid formats-automated kiosks plus on-site specialists-while high-traffic urban locations sustain brand visibility and drive cross-sell of fee income and loans.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~1,000 branches (2025)\u003c\/li\u003e\n\u003cli\u003e13,500 ATMs (2025)\u003c\/li\u003e\n\u003cli\u003eHybrid branches: rising adoption of kiosks + advisors\u003c\/li\u003e\n\u003cli\u003eKey role: trust, complex advisory, brand presence\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe Shinhan brand-seen as reliable, innovative, and customer-focused-drives new-acquisition and retention via trust; Shinhan Financial Group reported KRW 279.6 trillion in assets under management and a 2024 NPS of ~32, supporting cross-sell and lower cost of customer acquisition.\u003c\/p\u003e\n\u003cp\u003eESG commitments (2024 greenhouse‑gas target, 2040 net‑zero pledge) boost appeal to conscious investors and ease entry into new segments with prebuilt credibility.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eKRW 279.6T assets under management (2024)\u003c\/li\u003e\n\u003cli\u003eNPS ~32 (2024)\u003c\/li\u003e\n\u003cli\u003e2040 net‑zero pledge\u003c\/li\u003e\n\u003cli\u003eHigher cross-sell, lower acquisition cost\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShinhan at a glance: KRW420T deposits, CET1 13.1%, KRW279.6T AUM, net‑zero by 2040\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan's core resources: KRW 420T deposits (FY2024), CET1 13.1% (end‑2024), KRW 279.6T AUM (2024), 32,000 employees (2024), ~1,000 branches \u0026amp; 13,500 ATMs (2025), KRW 1.2T infra spend (to 2025), NPS ~32 (2024), 2040 net‑zero pledge.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer deposits\u003c\/td\u003e\n\u003ctd\u003eKRW 420T (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e13.1% (end‑2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eKRW 279.6T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e32,000 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches \/ ATMs\u003c\/td\u003e\n\u003ctd\u003e~1,000 \/ 13,500 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInfra \u0026amp; cyber spend\u003c\/td\u003e\n\u003ctd\u003eKRW 1.2T (to 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS\u003c\/td\u003e\n\u003ctd\u003e~32 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG pledge\u003c\/td\u003e\n\u003ctd\u003eNet‑zero by 2040\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOne Shinhan Integrated Financial Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOne Shinhan Integrated Financial Experience consolidates banking, cards, insurance, and investments into a single login and dashboard, cutting fragmented access-Shinhan reported 28% YoY growth in digital users to 21.4 million in 2024-so customers see all assets in one place and make faster decisions; studies show unified views can improve portfolio rebalancing frequency by ~15%, delivering clear convenience for personal and corporate finance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAI-Driven Personalized Financial Guidance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpshinhan uses deep learning to deliver life-stage-aware advice-tailored goals budgeting and asset mix-bringing private-banker level personalization million retail clients reducing average debt-servicing costs by up in pilot cohorts automated alerts real-time recommendations surface savings boosts debt reduction steps investment opportunities so customers can increase portfolio returns internal trials showed a lift annualized for users who followed ai guidance.\u003e\n\u003c\/pshinhan\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInnovative and Sustainable Product Range\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group offers eco-loans and ESG-focused funds-about KRW 12 trillion in sustainable financing by end-2024-letting clients meet financial goals while supporting social and environmental outcomes; its R\u0026amp;D and fintech labs launched 18 innovation products in 2024, keeping customers on the latest tools and market opportunities, so profit and purpose align as a 2025 differentiator.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Accessibility and Cross-Border Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShinhan Financial Group leverages a global network across 20+ markets and processed over $120 billion in cross-border payments in 2024, offering FX expertise, trade finance, and streamlined international payments for corporate and affluent clients expanding overseas.\u003c\/p\u003e\n\u003cp\u003eShinhan bridges local firms to global capital markets, enabling overseas investment channels and syndicated loan access, crucial for corporates targeting international growth.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e20+ markets global footprint\u003c\/li\u003e\n\u003cli\u003e$120B cross-border payments (2024)\u003c\/li\u003e\n\u003cli\u003eTrade finance \u0026amp; FX advisory\u003c\/li\u003e\n\u003cli\u003eSyndicated loans \u0026amp; overseas investment access\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSecurity and Trustworthy Financial Stewardship\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShinhan Financial Group secures customer assets with AES-256 encryption, AI-driven fraud detection processing 1.2 billion transactions daily, and cyber resilience investments of KRW 150 billion in 2024, giving clients peace of mind over life savings and sensitive data.\u003c\/p\u003e\n\u003cp\u003eWith 65 years of operating history, strong regulatory compliance and a CET1 ratio of 13.1% (2024), Shinhan's reputation for security and steady stewardship is a key trust asset amid rising cyber threats.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAES-256 encryption\u003c\/li\u003e\n\u003cli\u003eAI fraud detection: 1.2B tx\/day\u003c\/li\u003e\n\u003cli\u003e2024 cyber spend: KRW 150B\u003c\/li\u003e\n\u003cli\u003eCET1 ratio 2024: 13.1%\u003c\/li\u003e\n\u003cli\u003e65 years operating history\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShinhan: Unified AI-driven finance platform-21.4M users, KRW12T sustainable lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan bundles banking, cards, insurance, and investments into one dashboard (21.4M digital users, +28% YoY 2024), offers life-stage AI advice (1.8% annualized return lift in trials, 40M clients), and leads ESG finance (KRW 12T sustainable lending by end-2024) with secure ops (AES-256, 1.2B tx\/day fraud detection, KRW 150B cyber spend, CET1 13.1% 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users\u003c\/td\u003e\n\u003ctd\u003e21.4M (+28% YoY)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail clients covered\u003c\/td\u003e\n\u003ctd\u003e40M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAI trial return lift\u003c\/td\u003e\n\u003ctd\u003e+1.8% annualized\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSustainable financing\u003c\/td\u003e\n\u003ctd\u003eKRW 12T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-border payments\u003c\/td\u003e\n\u003ctd\u003e$120B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFraud detection\u003c\/td\u003e\n\u003ctd\u003e1.2B tx\/day\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCyber spend\u003c\/td\u003e\n\u003ctd\u003eKRW 150B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 ratio\u003c\/td\u003e\n\u003ctd\u003e13.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group assigns dedicated relationship managers to top individual and corporate clients, delivering bespoke financial planning and strategic advice that targets long-term objectives and complex needs; in 2024 Shinhan's WM (wealth management) assets under management reached KRW 180 trillion, helping capture a larger wallet share through regular face-to-face meetings and customized reports that drive loyalty and higher cross-sell rates.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Self-Service and AI Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group uses AI-driven chatbots and automated help centers to deliver 24\/7 self-service for retail customers, handling tasks from balance checks to detailed product explanations and resolving ~70% of routine inquiries instantly (2024 internal metrics). This reduces response costs and raises satisfaction scores-NPS up 6 points in 2024-while seamless escalation routes transfer complex cases to human agents for issues requiring judgment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement and Social Responsibility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group strengthens public ties via nationwide social programs and local-business grants, spending KRW 85.3 billion on social contribution and volunteering in 2024 to support SMEs and green projects.\u003c\/p\u003e\n\u003cp\u003eThese initiatives-featured in the 2024 ESG report-boost brand trust and community loyalty, with 72% of surveyed retail customers citing CSR as a factor in their bank choice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Rewards Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe Shinhan Plus loyalty program aggregates engagement across Shinhan Financial Group subsidiaries, letting customers earn points via credit card spend and banking activity and redeem them for fees, partner services, or products-raising switching costs and boosting retention; Shinhan reported 12.3 million Shinhan Plus members and a 22% higher share-of-wallet among members in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e12.3M members (2024)\u003c\/li\u003e\n\u003cli\u003e22% higher share-of-wallet for members\u003c\/li\u003e\n\u003cli\u003ePoints redeemable across subsidiaries\u003c\/li\u003e\n\u003cli\u003eIncreases switching costs, improves retention\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Community and Educational Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eShinhan Financial Group runs digital learning hubs and forums offering courses on budgeting, investing, and market trends; in 2024 these platforms reached over 4.2 million users and drove a 12% uplift in digital engagement year-over-year.\u003c\/p\u003e\n\u003cp\u003eBy focusing on financial literacy and peer learning, Shinhan shifts relationships from transactions to empowerment, boosting trust and capturing younger users-45% of new mobile sign-ups in 2024 were ages 20-34.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e4.2M users in 2024\u003c\/li\u003e\n\u003cli\u003e12% YoY digital engagement increase\u003c\/li\u003e\n\u003cli\u003e45% of 2024 new mobile sign-ups aged 20-34\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShinhan 2024: KRW180T WM, 12.3M loyalty, AI 70% queries, NPS+6, KRW85.3B CSR\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan builds long-term client ties via dedicated RMs for high-value clients (WM AUM KRW 180T in 2024), 24\/7 AI self-service resolving ~70% routine queries (NPS +6 in 2024), Shinhan Plus loyalty with 12.3M members (22% higher share-of-wallet), KRW 85.3B CSR spend (2024), and digital learning reaching 4.2M users (12% YoY).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eWM AUM\u003c\/td\u003e\n\u003ctd\u003eKRW 180T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAI query resolution\u003c\/td\u003e\n\u003ctd\u003e~70%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS change\u003c\/td\u003e\n\u003ctd\u003e+6\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eShinhan Plus\u003c\/td\u003e\n\u003ctd\u003e12.3M \/ +22% share\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCSR spend\u003c\/td\u003e\n\u003ctd\u003eKRW 85.3B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLearning users\u003c\/td\u003e\n\u003ctd\u003e4.2M (12% YoY)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSuper SOL Mobile Application\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSuper SOL is Shinhan Financial Group's primary mobile channel, serving over 12 million users by 2025 and handling roughly 65% of retail digital transactions; it consolidates banking, payments, insurance, and investments into a high-performance, user-friendly app. Regular updates keep it central to the group's digital-first distribution, supporting peak concurrent sessions above 200,000 and driving 40%+ of new customer acquisitions in 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpshinhan financial group keeps branches nationwide using them for complex advisory and high-value deals while converting key locations into digital experience centers where customers demo wealth fintech products.\u003e\n\u003cpbranches target less-digital segments and face-to-face clients sustaining brand presence in major commercial hubs contributing about of retail revenue\u003e\n\u003c\/pbranches\u003e\u003c\/pshinhan\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Sales Force and Institutional Desks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDedicated corporate sales teams and institutional desks at Shinhan Financial Group serve large corporates and pension funds, providing tailored M\u0026amp;A, corporate lending, and asset management mandates through direct outreach, networking, and events; in 2024 Shinhan Capital's institutional business handled over KRW 9.2 trillion in mandates, highlighting scale. These relationship-driven channels demand deep sector expertise and senior coverage to win multi-year mandates and reduce client churn.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline Web Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShinhan Financial Group runs full-featured web portals for retail and corporate clients that complement mobile apps, offering richer dashboards, downloadable reports, and desktop-optimized cash-management tools used by corporate treasurers handling FX and trade docs.\u003c\/p\u003e\n\u003cp\u003eThe web channel boosts cross-device access, supporting over 8 million monthly web logins in 2025 and processing corporate payments exceeding KRW 120 trillion annually.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDesktop-friendly detailed reporting\u003c\/li\u003e\n\u003cli\u003eCorporate treasury cash-flow and trade-document tools\u003c\/li\u003e\n\u003cli\u003e8M+ monthly web logins (2025)\u003c\/li\u003e\n\u003cli\u003eProcesses KRW 120T+ corporate payments annually\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThird-Party API and Embedded Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpshinhan embeds payment and lending services into third-party e-commerce lifestyle apps via open banking apis reaching users beyond its own channels driving volume growth embedded finance transactions grew yoy in korea with shinhan reporting a increase api-driven activation q1.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eExpands reach beyond proprietary platforms\u003c\/li\u003e\n\u003cli\u003eEnables in-app payments and lending\u003c\/li\u003e\n\u003cli\u003eCaptured share of 28% YoY embedded finance growth (2024, Korea)\u003c\/li\u003e\n\u003cli\u003e15% API-driven activation rise (Shinhan, 2025 Q1)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pshinhan\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSuper SOL: 12M Users, KRW120T+ Web Payments, 65% Mobile TX \u0026amp; Rapid Embedded Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSuper SOL: 12M users (2025), 65% retail digital tx, 40%+ new acquisitions (2025); Branches: ~1,100 (2024), 12% retail revenue (2024); Web: 8M monthly logins (2025), KRW120T+ corporate payments\/yr; Institutional: KRW9.2T mandates (2024); Embedded finance: 28% YoY market growth (2024), 15% API activation rise (2025 Q1).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile (Super SOL)\u003c\/td\u003e\n\u003ctd\u003e12M users; 65% tx\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e~1,100; 12% revenue\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWeb\u003c\/td\u003e\n\u003ctd\u003e8M logins; KRW120T+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstitutional\u003c\/td\u003e\n\u003ctd\u003eKRW9.2T mandates\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmbedded\u003c\/td\u003e\n\u003ctd\u003e28% market growth; 15% API\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpthis segment covers everyday banking savings and personal loans for individuals shinhan targets cost-efficient digital delivery via the super sol app which had over million users of active logins in special focus is on gen z millennials through gamified features social-media-friendly ux to boost early-life account openings lifetime value reports a annual retention lift among under\u003e\n\u003c\/pthis\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs are a core client group for Shinhan Financial Group, needing lending, cash management, and advisory services; Shinhan reported KRW 9.8 trillion in SME loans and a 4.2% SME NPL ratio in 2024, showing targeted credit exposure. The bank offers industry-tailored credit products and digital SME platforms that automate payroll and tax filing, with 1.2 million business users on its BizS solution as of Dec 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporations and Institutional Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLarge domestic and international corporations use Shinhan for M\u0026amp;A, debt issuance, and project finance; in 2024 Shinhan Securities arranged over KRW 15.2 trillion in ECM\/DCM deals and advised on 18 cross-border M\u0026amp;A mandates, highlighting high-complexity, high-margin work.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eShinhan serves high-net-worth individuals with private banking centers and dedicated wealth advisors offering bespoke wealth management, estate planning, and exclusive global investments focused on capital preservation, tax optimization, and intergenerational wealth transfer.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePrivate banking: tailored advice and relationship managers\u003c\/li\u003e\n\u003cli\u003eProduct access: global equities, alternatives, FX, fixed income\u003c\/li\u003e\n\u003cli\u003eGoals: preserve capital, reduce tax, plan long-term transfer\u003c\/li\u003e\n\u003cli\u003eScale: Shinhan Asset Management oversees assets \u0026gt;KRW 200 trillion (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational and Emerging Market Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpshinhan international and emerging-market clients in vietnam indonesia japan seek the stability of a major korean bank plus local expertise these markets contributed about shinhan financial group revenue show double-digit loan growth indonesia.\u003e\n\u003cpthe group localizes products for cultural and regulatory needs driving higher fee income deposit growth offering significant expansion potential beyond south korea mature market.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 international revenue share ~12%\u003c\/li\u003e\n\u003cli\u003eVietnam\/Indonesia: double-digit loan growth in 2024\u003c\/li\u003e\n\u003cli\u003eFocus: local regulatory compliance and tailored products\u003c\/li\u003e\n\u003cli\u003eHigh growth vs. mature domestic market\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pshinhan\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShinhan: Diverse growth-10M retail users, KRW 200T AUM, strong SME \u0026amp; international gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpshinhan serves retail super sol users active logins gen z growth retention lift smes loans sme npl bizs dec corporates ecm cross-border m hnw banking am\u003eKRW 200T AUM, 2024), and international users (~12% international revenue; Vietnam\/Indonesia double-digit loan growth, 2024).\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e10M users; 58% active logins\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGen Z\/Millennial\u003c\/td\u003e\n\u003ctd\u003e+12% retention (\u0026lt;35)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003eKRW 9.8T loans; 1.2M users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporates\u003c\/td\u003e\n\u003ctd\u003eKRW 15.2T ECM\/DCM; 18 M\u0026amp;A\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHNW\u003c\/td\u003e\n\u003ctd\u003eShinhan AM \u0026gt;KRW 200T AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInternational\u003c\/td\u003e\n\u003ctd\u003e~12% revenue; VN\/ID double-digit loan growth\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pshinhan\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT Infrastructure and Digital Transformation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpa significant portion of shinhan financial group costs fund its digital ecosystem-cloud software dev and ai integration across subsidiaries-with the reporting roughly krw billion in it investment for operating expenses cybersecurity spend is rising fast now budget reflecting higher threat remediation compliance to stay competitive a digital-first market.\u003e\n\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Labor Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel costs-salaries, benefits, training-account for roughly 45-55% of Shinhan Financial Group's operating expenses; in 2024 the group reported HR-related expenses of about KRW 1.2 trillion, reflecting competitive pay to attract finance and tech talent. Ongoing professional development and compliance training are budgeted to match regulatory change and AI adoption, and efficient HR management preserves service quality and operational efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch and Office Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan Financial Group still bears sizable real-estate costs-rent, utilities, maintenance-for ~1,000 branches, admin offices and private-banking centers, comprising roughly KRW 400-500 billion in annual premises expenses (2024). \u003c\/p\u003e\n\u003cp\u003eThe group is closing underperforming branches and converting others into digital hubs; branches remain key for brand presence and high-value client meetings, driving retention and advisory revenue. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpshinhan financial group spends heavily on large-scale marketing-digital ads sponsorships and shinhan plus loyalty costs-driving fy2024 marketing expenses to roughly krw billion as customer acquisition costs rose about vs. due fintech competition.\u003e\n\u003cpthe group prioritizes data-driven marketing and analytics to lift roi targeting lower cac through personalization channel optimization recent campaigns reported a improvement in conversion rates year-over-year.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFY2024 marketing spend ~KRW 420 billion\u003c\/li\u003e\n\u003cli\u003eCAC up ~18% since 2022\u003c\/li\u003e\n\u003cli\u003eConversion rate +12% YoY via data-driven tactics\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pshinhan\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Risk Monitoring\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpregulatory compliance and risk monitoring demand heavy investment in legal audit it systems-shinhan financial group reported krw billion compliance-related operating expenses credit models market-risk platforms aml controls to preserve licenses reputation.\u003e\n\u003cpfines for breaches can reach hundreds of billions krw so these costs act as protection against regulatory financial and reputational loss while enabling continued cross-border operations.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 compliance spend: KRW 450 billion\u003c\/li\u003e\n\u003cli\u003eTypical fines: up to several hundred billion KRW\u003c\/li\u003e\n\u003cli\u003eKey spend areas: legal, audit, AML, credit\/market-risk systems\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pfines\u003e\u003c\/pregulatory\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e2024 Cost Snapshot: HR KRW1.2T leads - IT KRW780B, Marketing KRW420B; CAC +18% YoY\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpa consolidated cost snapshot: it krw opex hr premises marketing compliance cybersecurity of cac vs conversion yoy.\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCategory\u003c\/th\u003e\n\u003cth\u003e2024 (KRW)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\/Digital\u003c\/td\u003e\n\u003ctd\u003e780,000,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHR\u003c\/td\u003e\n\u003ctd\u003e1,200,000,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePremises\u003c\/td\u003e\n\u003ctd\u003e450,000,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e420,000,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e450,000,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income is Shinhan Financial Group's main revenue, driven by the interest spread between customer deposits and loans-mortgages, consumer loans, and corporate credit-generating KRW 8.9 trillion in NII in 2024 (group level, IFRS basis). The group targets a prudent loan-to-deposit ratio near 90% to boost spreads while preserving liquidity; even after prolonged low rates, NII stayed foundational, contributing about 58% of 2024 operating income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommission and Fee Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShinhan earns large fee income from credit card processing, brokerage, and asset management-fee revenue was 4.2 trillion KRW in 2024, about 18% of non-interest income, reducing reliance on interest margins.\u003c\/p\u003e\n\u003cp\u003eAs wealth management and investment banking grow, fee-based income is projected to rise; fees scale with Shinhan's 24 million retail customers and expanded AUM (assets under management) of ~180 trillion KRW in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShinhan's life and non-life insurers collect regular premiums-KRW 17.8 trillion gross written premiums in 2024-then invest those funds (investment income contributed ~26% of insurance profit in 2024), creating a dual revenue layer; cross-selling across Shinhan Bank and securities boosts policy uptake and lowers acquisition cost, while tight underwriting and claims control keep loss ratios and combined ratios within target ranges.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Banking and Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cprevenue is earned advising corporates on m and new debt issuance generating large one fees that can spike quarterly earnings shinhan booked krw billion in fee income from investment banking up y strong reputation global network win cross mandates but swing with market conditions corporate activity-ib revenue fell during low deal volume.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eKRW 485bn IB fees 2024\u003c\/li\u003e\n\u003cli\u003e+12% year-on-year (2023→2024)\u003c\/li\u003e\n\u003cli\u003eHigh volatility: -28% in 2022\u003c\/li\u003e\n\u003cli\u003eDependent on deal flow and macro health\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/prevenue\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrading and Investment Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group earns income from proprietary trading and investments across currencies, derivatives, and fixed-income; in 2024 Shinhan reported trading gains of KRW 420 billion, reflecting active global market positioning.\u003c\/p\u003e\n\u003cp\u003eThese gains are volatile but can yield high returns under expert management; all positions are monitored against the group-wide risk appetite and VaR limits to contain downside.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 trading gains: KRW 420 billion\u003c\/li\u003e\n\u003cli\u003eAsset classes: FX, derivatives, fixed income\u003c\/li\u003e\n\u003cli\u003eRisk control: VaR and group risk limits\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong 2024: KRW 8.9T NII, KRW 4.2T Fees, KRW 17.8T Insurance GWP\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income KRW 8.9T (2024) ~58% op income; fees KRW 4.2T (2024) ~18% non‑interest; IB fees KRW 485B (+12% y\/y); trading gains KRW 420B (2024); insurance premiums KRW 17.8T (2024), investment income ~26% of insurance profit.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII\u003c\/td\u003e\n\u003ctd\u003eKRW 8.9T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees\u003c\/td\u003e\n\u003ctd\u003eKRW 4.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIB fees\u003c\/td\u003e\n\u003ctd\u003eKRW 485B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrading gains\u003c\/td\u003e\n\u003ctd\u003eKRW 420B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance GWP\u003c\/td\u003e\n\u003ctd\u003eKRW 17.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347282796875,"sku":"shinhangroup-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/shinhangroup-canvas-business-model.webp?v=1779159895","url":"https:\/\/valuechainanalysis.com\/products\/shinhangroup-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}