Contents 02 04 06 07 08 10 12 13 16 18 22 24 26 27 30 31 32 38 39 40 41 41 46 47 50 53 57 61 64 67 69 71 74 75 76 78
CARBON DISCLOSURE PROJECT
CSR Highlights p.23 about this report p.47 p.50 http://snic.kr/49yb p.55
2
3 http://snic.kr/49yi
4 20,194 21,686 255,018 266,032 233,895 242,834 21,123 23,198 51,172 33,651 1,305 2,384 12.60% 12.77% 1,320 1,361 100% 100% 65% 100% 68.9% 100% 100% 100% BNP PARIBAS 6% 6% CITIBANK.N.A(ADR DEPT) 4% 4% SAUDI ARABIAN MONETARY AGENCY 3% THE LAZARD FUNDS INC 3% 2% THE GOVERNMENT OF SINGAPORE 1% MIZUHO 1% 1% 1% 68% 152 13,945 3,451 2,066 1,111 129 432 171 1 975 38 112 160 6 39 1 275,743 187,943 48,867 19,288 10,624 4,326 2,320 1,574
5 http://snic.kr/49yd 2% 17% 3% 15% 11% 22% 12% 20% 10% 36% 12% 14.7% 40%
6
7 http://snic.kr/49yf
8 Materiality Test Process
9 Materiality Issues 5.00 4.50 4.00 3.50 3.00 2.50 2.00 1.50 1.00 0.50 0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00
10 http://snic.kr/49yh 1 2010.02.04 2 2010.02.26 93.3 86.7 4 2010.05.27 5 2010.08.25 8 2010.12.16 100.0 100.0 100.0
11
12 http://snic.kr/49yd
13 2008 2009 2010 12,024 11,822 14,100 44 21 39 6,101 3,636 4,401 16 19 12 1,595 1,163 1,842 3 5.5 5 1,025 1,096 1,127 1 1 3 111 117 120 1 1 1 449 415 420 4 5 5-90 170-2 1
14
15 Disclosure of Management Approach
16 0.9 11.0 40% 9% 4% 4% 7% 2% 52% 1,648 749 857 1,107 2% 45% FY 2009 35% FY 2010 44 139 174 211 38 56 60% 48% FY09 FY10 http://snic.kr/49yd 2 1,092 4,409 8,997 5,862 1,637 2 6,444
17 1.14 1.35 1.48 172 157 137 2008 2009 2010 2008 2009 2010 Moody s Corporation Standard & Poor s Fitch Ratings A1 P-1 A- A-2 A F1 BBB+ A- F2
18 1% 7% 92%
19
20 Disclosure of Management Approach
21
22 3 2 4 5 1 6
23 2 + 3
24 357,914 382,147 471,598 2008 2009 2010 2010 4,298 33,478 37,776 2009 4,279 34,280 38,559 2008 4,603 33,966 38,569 Scope 1 Scope 2
25 28,118 258,557 26,172 255,732 255,456 25,909 1,083 1,777 1,205 2008 2009 2010 2008 2009 2010 2008 2009 2010 37,382 37,410 35,739 1,864 1,932 2,095 2008 2009 2010 2008 2009 2010
26 4 5 CASE STUDY CASE STUDY 512 411 473 818 75 500
27 http://snic.kr/49yj http://snic.kr/49yk http://snic.kr/49yl
28
29 Disclosure of Management Approach
30 http://snic.kr/49yr http://snic.kr/49ys http://snic.kr/49yt http://snic.kr/49yu
31 4,876 4,621 4,805 4,503 4,547 4,315 3,824 3,418 5,000 269 230 211 2008 2009 2010
32
33 88.5 90.2 90.9 70 70 71 62.7 68.3 70.7 73.4 73.2 72.6 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 66.1 67.6 68.6 68 68 69 57.7 65.8 66.1 70.3 68.4 69 2008 2009 2010 2008 2009 2010 2008 2009 2010 2008 2009 2010 91.9 90.2 90.1 2008 2009 2010 84.9 80.7 79.6 2008 2009 2010 94.2 85.1 84.7 2008 2009 2010 13.2 43.6 NPS 53.2 56.2 56.1 2008 2009 2009 2010 2010
34 http://snic.kr/49yv http://snic.kr/49ys http://snic.kr/49yw
35 http://snic.kr/49yk http://snic.kr/49yx
36 Disclosure of Management Approach
37
38 2008 2009 2010 11,374 12,042 6,059 5,115 4,401 3,360 103 140 149 1,869 1,8991,895 1,025 1,096 1,014 111 117 120 449 415 420 90 170 986 997 1,028 1 1 1 29 28 36
39 SFA System (Shinhan Free Agent System)
40
41
42 152 13,945 3,451 2,066 X 0 X 1 X 5.2 X 13 X 9 X 4.5 X 3 X 4 X 5.1 X 2 X 0 X 6.6 1,111 129 432 171 X 1 X 1 X 1.1 X 0 X 1 X 2.9 X 0 X 4 X 3.2 X 0 X 1 X 7.1 934 http://snic.kr/49yd 4 496 103 90 1 5 27 69 17.9 19.9 2.2 35.0 1.2 12.3 0.9 40 2.0 1.5 2.2 6 7.9 2.3 6.2 3 2009 190 16,400 4,025 2,425 788 93 280 313 2010 316 21,200 4,211 2,988 1,270 223 249 367 2009 1.74 1.33 1.40 1.22 0.98 0.82 0.67 1.69 2010 2.1 1.57 1.45 1.45 1.07 1.73 0.57 2.16 2009-188 131 53.3 95 2,129 180 5 2010-175 122 45.4 110 100 170 25
43 - - 3 9 75 8,000 2 13 100 2,629 4 17 100 1,500 4-100 655 2 6 100 - - 5 5 100 307 4 17 100 - - 4 4 100 85.82 86.35 86.41 86.65 59.09 2009 2010 72.73 6% 35% 22% 25% 10% 2%
44
45 Disclosure of Management Approach
46 http://snic.kr/49yy
47 114,331 98,889 2008 2009 2010 24,961 25,651 133,403 52,135 2008 2009 2010 CASE STUDY http://snic.kr/49yj
48 http://snic.kr/49yn
49 http://snic.kr/49yz 28,690 1,770 12,835 12,276 297 1,232 365 1,353 417 2008 2009 2010 2008 2009 2010
50 602 1,668 1,059 450 517 1,205 CASE STUDY http://snic.kr/49ya
51 CASE STUDY CASE STUDY
52
53 http://snic.kr/49yb In market For our environment For our employees For our community For our clients For our business partners
54 http://snic.kr/49yl
55 1,700 28,599
56 9 9 2010. 02.17 2010. 04.05 2010. 04.16 2010. 10.30
57 http://snic.kr/49yc
18,052 58 818 1,684 898 2008 2009 2010 http://snic.kr/49yd 16,027 558
59 http://snic.kr/49ym http://snic.kr/49ye 15,000 INTERVIEW
60 ISSUE 3,551 3,682 3,786 3,871 4,005 (27.8%) (28.2%) (28.4%) (28.6%) (29.0%) 09.1Q 09.2Q 09.3Q 09.4Q 10.1Q
61 http://snic.kr/49yk 7,555 3.7 5,714 5,391 2.9 2.8 2008 2009 2010 38.4 45.6 40.3 2008 2009 2010 http://snic.kr/49yf
62
63
64 http://snic.kr/49yg
65 7,445 74 964 21 665 919 1,369 2,040 1,146 957 2009 2010
66 CASE 1 CASE 2 313 2,913 4,249 2008 2009 2010
67 2 5.8 78.7 http://snic.kr/49yh
68 1,001 710 787 2008 2009 2010 6.7 6.1 5.1 4,467 4,292 4,148 2008 2009 2010 2008 2009 2010
69 ~2010 2015 2016~ Local Top Bank 17.9 17.1 20.1 4,621 4,488 4,524 12.7 10.5 7 2.3 3 1.2 2008 2009 2010 2008 2009 2010 70% 70% 80% 40.09 23.36 33.62 203 418 534 2008 2009 2010 2008 2009 2010
70
71
72 100 50 0 (10.11.14~ (10.08.14~ (10.05.14~ (10.02.14~ (09.02.14~ (08.02.14~ (06.02.14~ 11.02.14) 11.02-14) 11.02.14) 11.02.14) 11.02.14) 11.02.14) 11.02.14) 8.90 21.61 23.70 38.79 94.30 37.48 80.53 5.08 14.64 17.94 25.14 65.22 18.93 51.21 3.82 6.97 5.76 13.64 29.09 18.55 29.31 05-11-15 06-05-07 06-11-09 07-05-14 07-11-17 08-05-21 08-11-23 09-05-28 09-12-01 10-06-05 10-12-08
73
74
75
76
77
78 1.1 6.2 2~3 1.2 6.2 8~9, 12 2.1 4 2.2 34~35 2.3 6.2 4~5 2.4 4 2.5 5 2.6 4 2.7 5 2.8 4 2.9 4~5 2.10 74 3.1 About This Report 3.2 About This Report 3.3 About This Report 3.4 About This Report 3.5 8~9 3.6 About This Report 3.7 About This Report 3.8 3.9 3.10 3.11 3.12 78~81 3.13 7.5.3 76~77 4.1 10~11 4.2 10~11 4.3 10~11 4.4 10~11, 41 4.5 10~11 4.6 10~11 4.7 10~11 4.8 6.2 6~7 4.9 10~11 4.10 10~11 4.11 12 4.12 22~23, 68, 75 4.13 75 4.14 8~9 4.15 8~9 4.16 8~9 4.17 8~9 Disclosure on Management Approach 6.2, 6.8 15 EC1 6.8, 6.8.3, 6.8.7, 6.8.9 16 EC2 6.5.5 22 EC3 41 EC4 EC5 6.4.4, 6.8 EC6 6.6.6, 6.8, 6.8.5, 6.8.7 N/A EC7 6.8, 6.8.5, 6.8.7 38, 43 EC8 6.3.9, 6.8, 6.8.3, 6.8.4 46~51 6.8.5, 6.8.6, 6.8.7, 6.8.9
79 EC9 6.3.9, 6.6.6, 6.6.7, 6.7.8 6.8, 6.8.5, 6.8.6, 6.8.7, 6.8.9 18~19 Disclosure on Management Approach 6.2, 6.5 20 EN1 24~25 EN2 24~25 EN3 24~25 EN4 24~25 EN5 24~25 EN6 6.5, 6.5.4 23~25 EN7 23~25 EN8 24 EN9 N/A EN10 24 EN11 N/A EN12 N/A 6.5, 6.5.6 EN13 N/A EN14 N/A EN15 N/A EN16 23~25 EN17 6.5, 6.5.5 23~25 EN18 23~25, 68, 75 EN19 N/A EN20 N/A EN21 6.5, 6.5.3 24 EN22 24 EN23 N/A EN24 N/A EN25 N/A 6.5, 6.5.4, 6.5.6 EN26 6.5, 6.5.4, 6.6.6, 6.7.5 27 EN27 6.5, 6.5.4, 6.7.5 N/A EN28 6.5 EN29 6.5, 6.5.4, 6.6.6 N/A EN30 6.5 26~27, 56, 65 Disclosure on Management Approach 6.2, 6.4, 6.3.10 36 LA1 6.4, 6.4.3 42~43 LA2 42 LA3 6.4, 6.4.3, 6.4.4 39~41 LA4 6.4, 6.4.3, 6.4.4, 6.4.5, 6.3.10 43 LA5 6.4, 6.4.3, 6.4.4, 6.4.5 60 LA6 6.4, 6.4.6 N/A LA7 LA8 6.4, 6.4.6, 6.8, 6.8.3, 41 6.8.4, 6.8.8 LA9 6.4, 6.4.6 43 LA10 6.4, 6.4.7 42 LA11 6.4, 6.4.7, 6.8.5 41 LA12 6.4, 6.4.7 39 LA13 6.3.7, 6.3.10, 6.4, 6.4.3 38 LA14 6.3.7, 6.3.10, 6.4, 6.4.3, 6.4.4 10, 38, 42
80 Disclosure on Management Approach 6.2, 6.3 36 HR1 6.3, 6.3.3, 6.3.5, 6.6.6 13 HR2 6.3, 6.3.3, 6.3.5, 6.4.3, 6.6.6 13 HR3 6.3, 6.3.5 38 HR4 6.3, 6.3.6, 6.3.7, 6.3.10, 6.4.3 38, HR5 6.3, 6.3.3, 6.3.4, 6.3.5 38, 6.3.8, 6.3.10, 6.4.3, 6.4.5 HR6 6.3, 6.3.3, 6.3.4, 6.3.5, 38 6.3.7, 6.3.10 HR7 38 HR8 6.3, 6.3.5, 6.4.3, 6.6.6 38 HR9 6.3, 6.3.6, 6.3.7, 6.3.8, 6.6.7 38, Disclosure on Management Approach 6.2, 6.3, 6.8 45 SO1 6.3.9, 6.8, 6.8.5, 18~19, 26, 49~51 6.8.7, 6.6.7 55~56, 58, 62, 65~69 SO2 100% SO3 6.6, 6.6.3 13, 38 SO4 SO5 6.6, 6.6.4, 6.8.3 N/A SO6 6.6, 6.6.4, 6.8.3 N/A SO7 6.6, 6.6.5, 6.6.7 N/A SO8 6.6, 6.6.7, 6.8.7 Disclosure on Management Approach 6.2, 6.6, 6.7 29 PR1 6.3.9, 6.6.6, 6.7, 6.7.4, 6.7.5 N/A PR2 N/A PR3 6.7, 6.7.3, 6.7.4, 6.7.5, 31, 100% PR4 6.7.6, 6.7.9 31 PR5 6.7, 6.7.4, 6.7.5, 6.7.6, 32~33 6.7.8, 6.7.9 PR6 31 6.7, 6.7.3, 6.7.6, 6.7.9 PR7 31, PR8 6.7, 6.7.7 31, PR9 6.7, 6.7.6 31, FS1 19, 26, 49~51, 53~71 FS2 19, 26, 49~51, 53~71 FS3 2 FS4 13, 29~30, 32~33, 37~38, 56 FS5 13, 29~30, 32~33, 37~38, 56 FS6 15, 19, 50, 55, 67 FS7 19~, 49~51, 55, 58, 62, 65~69 FS8 26, 56, 65 FS9 10~12 FS10 CSR Highlights, 19, 26, 47~48 FS11 65 FS12 10~11 FS13 30 FS14 30 FS15 29 FS16 49, 54~55, 59, 61, 63, 68~71