Company: SHG
Filing Date: 2025-04-23
Form Type: 20-F
Source: 0001193125-25-089950
Chunk: 132

Company: SHINHAN FINANCIAL GROUP CO LTD
Filing Date: 2025-04-23
Form: 20-F
Chunk 132
---
 | 158,829 |
| Public and other          |     |                         |   1,784 |     |                  |   2,036 |     |       |   3,820 |
| Loans to banks            |     |                         |      39 |     |                  |       — |     |       |      39 |
| Lease financing           |     |                         |     149 |     |                  |     430 |     |       |     579 |
| Total corporate           |     |                         | 105,773 |     |                  |  57,494 |     |       | 163,267 |
| Retail:                   |     |                         |         |     |                  |         |     |       |         |
| Mortgage and home equity  |     |                         |  16,506 |     |                  |  77,374 |     |       |  93,880 |
| Other retail              |     |                         |  29,341 |     |                  |  23,933 |     |       |  53,274 |
| Total retail              |     |                         |  45,847 |     |                  | 101,307 |     |       | 147,154 |
| Credit cards              |     |                         |  24,018 |     |                  |   4,606 |     |       |  28,624 |
| Total variable rate loans |     |                         | 175,638 |     |                  | 163,407 |     |       | 339,045 |
| Total loans               |     |                         | 249,133 |     |                  | 205,992 |     |       | 455,125 |

Notes:

| (1) | Includes overdue loans. |

| (2) | Fixed rate loans are loans for which the interest rate is fixed for the entire term of the loan. |

| (3) | Variable or adjustable rate loans are for which the interest rate is not fixed for the entire term of the loan. |

For additional information regarding our management of interest rate risk, see “— Risk Management.” Credit Exposures to Companies in Workout and Recovery Proceedings Our credit exposures to restructuring are monitored and managed by our Corporate Credit Support Department. As of December 31, 2024, 0.03% of our total loans, or W114 billion (of which W66 billion was classified as nonaccrual and W48 billion