Company: SHG
Filing Date: 2025-03-18
Form Type: 6-K
Source: 0000950170-25-040736
Chunk: 10

Company: SHINHAN FINANCIAL GROUP CO LTD
Filing Date: 2025-03-18
Form: 6-K
Chunk 10
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 1 ~ Dec. 31 | Jan. 1 ~ Dec. 31 |         |
| Shinhan Bank     |            148.8 |            157.8 |   141.1 |

Notes :

Financial Services Commission temporarily eased the regulatory minimum from 80% to 70% by end of June 2022, in order to support the capacity of banks to provide funding to businesses affected by COVID-19. Starting from September 2022, the regulation will be reinstated to 80.0%.

Foreign Currency Liquidity Coverage Ratio started from January 2017, and is calculated by quarterly average.

3) Asset Quality

SFG Consolidated Basis

| (KRW billion)                      | Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022 |
|:-----------------------------------|--------------:|--------------:|--------------:|
| Total Loans                        |     452,826.9 |     413,664.8 |     412,421.1 |
| Substandard & Below                |       3,562.4 |       2,668.4 |       2,122.9 |
| Substandard & Below Ratio          |         0.79% |         0.65% |         0.51% |
| Non-Performing Loans               |       2,974.7 |       2,176.6 |       1,800.8 |
| NPL Ratio                          |         0.66% |         0.53% |         0.44% |
| Substandard & Below Coverage Ratio |       132.48% |       165.61% |       176.99% |
| Loan Loss Allowance                |       4,719.3 |       4,419.1 |       3,757.4 |
| Substandard & Below Loans          |       3,562.4 |       2,668.4 |       2,122.9 |

Separate Basis

|                           |       (%) |                       Dec. 31 2024 |                           |           |                       Dec. 31 2023 |                           |           |                          Dec. 31 2022 |     |
|:--------------------------|----------:|-----------------------------------:|--------------------------:|----------:|-----------------------------------:|--------------------------:|----------:|--------------------------------------:|----:|