Company: SHG
Filing Date: 2025-04-23
Form Type: 20-F
Source: 0001193125-25-089950
Chunk: 131

Company: SHINHAN FINANCIAL GROUP CO LTD
Filing Date: 2025-04-23
Form: 20-F
Chunk 131
---
     |                         |  36,003 |     |                 |  17,997 |     |                 |  5,555 |     |         |  5,507 |     |       |  65,062 |
| Total retail             |     | W                       |  52,726 |     | W               |  41,984 |     | W               | 26,202 |     | W       | 45,228 |     | W     | 166,140 |
| Credit cards             |     | W                       |  24,287 |     | W               |   4,366 |     | W               |    241 |     | W       |      — |     | W     |  28,894 |
| Total loans              |     | W                       | 249,133 |     | W               | 125,896 |     | W               | 34,093 |     | W       | 46,003 |     | W     | 455,125 |

Note:

| (1) | Includes overdue loans. |

We may roll over our corporate loans (primarily consisting of working capital loans and facilities loans) and retail loans (to the extent not payable in installments) after we conduct our standard loan reviews in accordance with our loan review procedures. Working capital loans may generally be extended on an annual basis for an aggregate term of up to five years. Facilities loans, which are generally secured, may generally be extended on an annual basis for a maximum of 15 years from the initial loan date. Retail loans may be extended for additional terms of up to 12 months for an aggregate term of 10 years from the initial loan date for both unsecured loans and secured loans other than mortgages and home equity loans which can be extended up to 30 years in aggregate. 83

Interest Rate Sensitivity The following table presents a breakdown of our loans in terms of interest rate sensitivity as of December 31, 2024.

|                           |     | As of December 31, 2024 |         |     |                  |         |     |       |         |
|:--------------------------|:----|:------------------------|--------:|:----|:-----------------|--------:|:----|:------|--------:|
|                           |     | Due Within 1 Year(1)    |         |     | Due After 1 Year |         |     | Total |         |
|                           |