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 5 100% 100% 65% 100% 68.9% 100% 100% 100% 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 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 11% 22% 2% 36% 17% 12% 12% 20% 3% 15% 14.7% http://snic.kr/49yd 10% 40%
6 7 http://snic.kr/49yf
8 9 Materiality Test Process 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 11 1 2010.02.04 2 2010.02.26 http://snic.kr/49yh 93.3 86.7 4 2010.05.27 100.0 5 2010.08.25 100.0 8 2010.12.16 100.0
12 13 http://snic.kr/49yd 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 17 0.9 11.0 1.14 1.35 1.48 172 157 137 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 Moody s Corporation Standard & Poor s Fitch Ratings 60% 48% FY09 FY10 http://snic.kr/49yd A1 P-1 A- A-2 A F1 BBB+ A- F2 2 1,092 4,409 8,997 5,862 1,637 2 6,444
18 19 1% 7% 92%
20 21 Disclosure of Management Approach
22 23 3 2 4 5 1 2 + 3 6
24 25 357,914 382,147 471,598 258,557 255,732 255,456 26,172 25,909 28,118 1,083 1,777 1,205 37,382 37,410 35,739 1,864 1,932 2,095 2010 4,298 33,478 37,776 2009 2008 4,279 4,603 Scope 1 Scope 2 34,280 33,966 38,559 38,569
26 27 4 5 512 411 473 818 75 500 CASE STUDY CASE STUDY http://snic.kr/49yj http://snic.kr/49yk http://snic.kr/49yl
28 29 Disclosure of Management Approach
30 31 http://snic.kr/49yr http://snic.kr/49ys http://snic.kr/49yt http://snic.kr/49yu 4,876 4,621 4,805 4,503 4,547 4,315 3,824 3,418 269 230 211 5,000 2008 2009 2010
32 33 88.5 66.1 90.2 67.6 90.9 68.6 70 70 71 68 68 69 62.7 57.7 68.3 65.8 70.7 66.1 73.4 73.2 72.6 70.3 68.4 69 91.9 84.9 85.1 90.2 80.7 84.7 90.1 79.6 94.2 13.2 43.6 NPS 53.2 56.2 56.1 2008 2009 2009 2010 2010
34 35 http://snic.kr/49yv http://snic.kr/49ys http://snic.kr/49yw http://snic.kr/49yk http://snic.kr/49yx
36 37 Disclosure of Management Approach
38 39 SFA System (Shinhan Free Agent System) 2008 2009 2010 11,374 12,042 6,059 5,115 4,401 3,360 103 140 149 1 1 1 986 997 1,028 1,869 1,8991,895 1,025 1,096 1,014 111 117 120 449 415 420 29 28 36 90 170
40 41
42 43 152 X 0 X 1 X 5.2 1,111 X 1 X 1 X 1.1 13,945 X 13 X 9 X 4.5 129 X 0 X 1 X 2.9 3,451 X 3 X 4 X 5.1 432 X 0 X 4 X 3.2 4 934 496 103 90 2,066 X 2 X 0 X 6.6 171 X 0 X 1 X 7.1 http://snic.kr/49yd 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 - - 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 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 86.35 85.82 86.41 86.65 59.09 2009 2010 72.73 6% 35% 22% 25% 10% 2%
44 45 Disclosure of Management Approach
46 47 114,331 98,889 133,403 24,961 25,651 52,135 CASE STUDY http://snic.kr/49yj http://snic.kr/49yy
48 49 http://snic.kr/49yn 12,835 12,276 28,690 http://snic.kr/49yz 297 1,232 365 1,353 417 1,770
50 51 CASE STUDY CASE STUDY 602 CASE STUDY 1,668 1,059 450 517 http://snic.kr/49ya 1,205
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 55 http://snic.kr/49yl 1,700 28,599
56 57 http://snic.kr/49yc 9 9 2010. 02.17 2010. 04.05 2010. 04.16 2010. 10.30
58 59 818 1,684 898 http://snic.kr/49yd 16,027 558 18,052 http://snic.kr/49ym http://snic.kr/49ye 15,000 INTERVIEW
60 61 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 http://snic.kr/49yk 7,555 3.7 5,714 5,391 2.9 2.8 38.4 45.6 40.3 http://snic.kr/49yf
62 63
64 65 http://snic.kr/49yg 964 7,445 21 74 665 919 1,369 2,040 1,146 957 2009 2010
66 67 CASE 1 CASE 2 2 5.8 78.7 http://snic.kr/49yh 313 2,913 4,249
68 69 1,001 710 787 ~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 6.1 6.7 5.1 4,467 4,292 4,148 70% 70% 80% 40.09 23.36 33.62 203 418 534
70 71
72 73 100 50 0 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 (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
74 75
76 77
78 79 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 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