Company: SHG
Filing Date: 2025-04-23
Form Type: 20-F
Source: 0001193125-25-089950
Chunk: 524

Company: SHINHAN FINANCIAL GROUP CO LTD
Filing Date: 2025-04-23
Form: 20-F
Chunk 524
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 |   |     |        |        — |   |     |        |        — |   |     |                         |  108,404 |   |     |       |    109,965 |   |

<div align='center'>F-12 8</div>

SHINHAN FINANCIAL GROUP CO., LTD. AND SUBSIDIARIES

Notes to the Consolidated Financial Statements

(In millions of won)

December 31, 2023 and 2024

| 8. | Operating segments (continued) |

|                                          |     |    2024 |            |   |     |            |           |   |     |            |          |   |     |           |           |   |     |        |          |   |     |        |          |   |     |                         |          |   |     |       |            |   |
|                                          |     | Banking |            |   |     | Creditcard |           |   |     | Securities |          |   |     | Insurance |           |   |     | Credit |          |   |     | Others |          |   |     | Consolidationadjustment |          |   |     | Total |            |   |
| Net interest income                      |     |       W |  8,988,515 |   |     |            | 1,931,171 |   |     |            |  573,375 |   |     |           |  (135,352 | ) |     |        |  143,672 |   |     |        |   92,600 |   |     |                         | (191,679 | ) |     |       | 11,402,302 |   |
| Net fees and commission income (expense) |     |         |    867,909 |   |     |            |   934,519 |   |     |            |  535,910 |   |     |           |    (4,380 | ) |     |        |   17,442 |   |     |        |  336,957 |   |     |                         |   26,517 |   |     |       |  2,714,874 |   |
| Provision for credit lossallowance       |     |         |   (425,429 | ) |     |            |  (917,239 | ) |     |            | (136,466 |