Making the World a Better Place with the strength of Finance. Shinhan Bank Canada

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1 Making the World a Better Place with the strength of Finance Shinhan Bank Canada

2 Disclaimer Statement This material has been produced by Shinhan Bank Canada( SBC ) for informational purposes only and does not constitute an offer to sell or a solicitation to buy any security or other financial instrument(s). The information contained in this document has not been independently verified and neither approval nor guarantee is given that it is accurate or complete. The opinions, forecasts, assumptions, estimates and derived valuations contained in this material should be considered in the context of the circumstances prevailing at the time indicated and are subject to change at any time without prior notice. Neither SBC nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material. This material is for the use of intended recipients only and the contents may not be reproduced, redistributed, or copied in whole or in part for any purpose without SBC s prior express consent. When you want to expand your boundaries

The opinions, forecasts, assumptions, estimates and derived valuations contained in this material should be considered in the context of the circumstances prevailing at the time indicated and are

3 Contents I. About SHINHAN 1. Shinhan Financial Group 2. Shinhan Bank II. Shinhan Bank Canada 1. CEO s Greeting 2. Overview 3. Vision and Strategy 4. Financial Highlights 5. Products and services 6. Bank Activities

4 I. About SHINHAN 1. Shinhan Financial Group 2. Shinhan Bank

5 About Shinhan Financial Group SFG at a Glance Overview (As of June 30, 2013) Well-diversified Business Portfolio Net Income : CAD 2.19 billion (FY 2012) / CAD 0.87 billion (2013 1H) Total Consolidated Assets : CAD billion Total Market Cap: CAD billion(aug, 31, 2013) ROA : 0.72% ROE : 8.01% 13 direct subsidiaries, 18 indirect subsidiaries Shinhan Card (Credit Card) Shinhan Life (Life Insurance) Shinhan Capital (Leasing Business) Shinhan Bank (Banking) Shinhan Investment (Securities Brokerage) Shinhan BNPP AM (Asset Management) Number of Employees : 22,000 Major Shareholders - Korea National Pension Service 7.28% - BNP Paribas Group 6.35% - SFG ESOP 3.96% * Assets, ROE, ROA, and number of employees : as of June, 30, 2013 Major shareholders: as of Dec. 31, 2012 * Note : CAD/KRW = 1,089.9 (as of June, 30, 2013) Rank Top 500 Bank (Banking Brands) 1 Wells Fargo 2 Chase 3 HSBC 40 CIBC SHG s Ranking Rank Top 1000 World Bank (Tier 1 Capital) 1 Bank of America 2 JPMorgan Chase & Co 3 ICBC 55 BMO 51 Shinhan Financial Group 65 KB Financial Group 79 Shinhan Financial Group 146 National Bank * Source: The Banker (Feb, 2013)

01% 13 direct subsidiaries, 18 indirect subsidiaries Shinhan Card (Credit Card) Shinhan Life (Life Insurance) Shinhan Capital (Leasing Business) Shinhan Bank (Banking) Shinhan Investment (Securities

6 About Shinhan Financial Group How SFG is Organized No. 1 Financial Group in Korea 65% Shinhan Bank Shinhan Card Shinhan Investment Corp. Shinhan Life Insurance Shinhan BNPP Asset Management Shinhan Capital The Best Bank in Korea Number 1 Credit Card Company in Korea Market leader in the era of Capital market Acts The Most Profitable Life Insurance Company The Leading Asset Management Firm in Korea Specialized in facility leases and installment financing Total Assets: CAD 223 billion Total Equity: CAD 16.7 billion Total Assets: CAD 22.7 billion Total Equity: CAD 4.8 billion Total Assets: CAD 22.7 billion Total Equity: CAD 1.8 billion Total Assets: CAD 15.1 billion Total Equity: CAD 1.1 billion Total Assets: CAD 27.4 billion Total Equity: CAD 0.1 billion Total Assets: CAD 3.2 billion Total Equity: CAD 0.4 billion 68.9% 99.8% Jeju Bank Shinhan Savings Bank Shinhan Data System Shinhan AITAS Shinhan Credit Information Shinhan PE Investment Management The Leading Local Bank in Jeju Market Leader in Consumer Finance IT Company Specialized in Services for Financial Corporations Number 1 Fund Service Company In Korea Expert in debt collection and credit research Private Equity Fund Management Firm Total Assets: CAD 2.6 billion Total Equity: CAD 0.2 billion Total Assets: CAD 0.8 billion Total Equity: CAD 0.08 billion Total Assets: CAD 0.13 billion Total Equity: CAD 0.01 billion Total Assets: CAD 0.03 billion Total Equity: CAD 0.02 billion Total Assets: CAD 0.02 billion Total Equity: CAD 0.01 billion Total Assets: CAD 0.51 billion Total Equity: CAD 0.07 billion

Life Insurance Company The Leading Asset Management Firm in Korea Specialized in facility leases and installment financing Total Assets: CAD 223 billion Total Equity: CAD 16.

7 Shinhan Bank Company Overview Corporate Profile (As of June 30, 2013) Global Network (As of June 30, 2013) Shinhan Bank is the flagship company of Shinhan Financial Group Over 1000 branches in Korea and other 15 countries Total Assets (including trust account): CAD billion 1) Net Income for 1H 2013: CAD 0.58 billion 2) (1 st among peers) Note 1) Total Assets : Banking Account + Merchant Banking Account +Trust Account 2) Net Income derived on consolidated bases Rating Agency MOODY S S&P FITCH RATINGS F/C LT Debt Rating A1 (Stable) A (Stable) A (Stable) Shinhan Bank s Key milestones Hanseung Bank (established) Chohung Bank (Merged with Dongil Bank) CHB acquired by SFG Integrated Shinhan Bank (Merger of SHB & CHB) IT Integration Shinhan Bank (established) SFG (established)

58 billion 2) (1 st among peers) Note 1) Total Assets : Banking Account + Merchant Banking Account +Trust Account 2) Net Income derived on consolidated bases Rating Agency MOODY S S&P FITCH RATINGS

2010 2011 2012 2013 Shinhan Bank Awards & Accolades January Best Domestic Bank, Korea March Best Retail Bank, Korea September Best Bank, Korea February Best PB, Korea May The Best Bank, Korea

8 Shinhan Bank Awards & Accolades January Best Domestic Bank, Korea March Best Retail Bank, Korea September Best Bank, Korea February Best PB, Korea May The Best Bank, Korea November Best Bank, Korea February Best Bank PB, Korea June Best Domestic Bank, Korea February Best Bank PB, Korea March Best Retail Bank, Korea June Best Domestic Commercial Bank, Korea Best Overall Domestic (Local)Cash Management Services in Korea as Voted by Medium-sized Corporates Best Local Cash Management Bank in Korea as Voted by Small and Medium-Sized Corporates Best Overall Cross-border (Local) Cash Management Services in Korea as Voted by Medium-Sized Corporates July Best Bank, Korea March Best E-commerce Bank, Korea May The Best Emerging Market Bank, Korea June Best Domestic Bank, Korea July Best Bank, Korea March Best Retail Bank, Korea March Best E-commerce Bank, Korea May The Best Emerging Market Bank, Korea June Best Domestic Bank, Korea July Best Bank, Korea July Best Bank, Korea

Domestic (Local)Cash Management Services in Korea as Voted by Medium-sized Corporates Best Local Cash Management Bank in Korea as Voted by Small and Medium-Sized Corporates Best Overall Cross-border

9 II. Shinhan Bank Canada 1. CEO s Greeting 2. Overview 3. Vision and Strategy 4. Financial Highlights 5. Products and Services 6. Bank Activities

Shinhan Bank Canada CEO s Greeting Greetings Shinhan Bank Canada s Branch Network Shinhan Bank has been endeavoring to become a bank that is truly number one in all of its businesses and genuinely

10 Shinhan Bank Canada CEO s Greeting Greetings Shinhan Bank Canada s Branch Network Shinhan Bank has been endeavoring to become a bank that is truly number one in all of its businesses and genuinely earns the trust of its customers. Shinhan Bank Canada has accumulated approximately C$50 million in capital and 355 million dollars in assets since its founding in 2009 and has positioned its branch locations in North York, Mississauga, and most recently, Thornhill to serve its customers better. We solemnly pledge to do our best to keep the Shinhan promise: to walk side by side with our customers towards a better tomorrow where all of us share and enjoy happiness together. Sincerely, Chang Hyun Jung CEO of Shinhan Bank Canada Head Office (5140 Yonge St. #2300, North York) Main Branch (5095 Yonge St. Unit B2, North York) Mississauga Branch (257 Dundas St. E, Mississauga) Thornhill Branch (7191 Yonge St. Markham)

Shinhan Bank Canada has accumulated approximately C$50 million in capital and 355 million dollars in assets since its founding in 2009 and has positioned its branch locations in North York,

Shinhan Bank Canada Overview History Organization Structure 2008. 08 Acquired the Letters of Patent Planning Department Planning, Human Resources, Marketing 2009.

11 Shinhan Bank Canada Overview History Organization Structure Acquired the Letters of Patent Planning Department Planning, Human Resources, Marketing Acquired the Order to Commence Credit Department Credit Planning, Evaluation, Loan Review Opened Main Branch Opened Mississauga Branch Upgrade Banking Systems(AITHER) Treasury Department Treasury, Deposits, General Affair Risk Management Department Risk Assessment, Accounting Increased Capital by C$20M Will be opened Thornhill Branch IT Support Department IT Develop, System Control & Management Internal Audit & Compliance Dept. s Internal Control & Compliance

10 Opened Main Branch Opened Mississauga Branch Upgrade Banking Systems(AITHER) Treasury Department Treasury, Deposits, General Affair Risk Management Department Risk

Shinhan Bank Canada Vision and Strategy 2018 Vision Establish Foundation for Best Schedule II Bank In Canada Management Strategy What Kind of Bank? Who is the Target Customer?

12 Shinhan Bank Canada Vision and Strategy 2018 Vision Establish Foundation for Best Schedule II Bank In Canada Management Strategy What Kind of Bank? Who is the Target Customer? How to Approach the Target Customer? How to Improve Company Structure? Message Who How Way Strategy Base Brand Identity Establishment Differentiated Service Competitive Product Strengthen Human Resource Effective Organization

How to Approach the Target Customer? How to Improve Company Structure?

Shinhan Bank Canada Financial Highlights Deposits (in thousands of CAD) Loans (in thousands of CAD) 206,280 247,752 288,264 134,057 194,745 236,026 110,934 79,318 64,744 34,553 09.12 10.12 11.12 12.

13 Shinhan Bank Canada Financial Highlights Deposits (in thousands of CAD) Loans (in thousands of CAD) 206, , , , , , ,934 79,318 64,744 34, Total Assets (in thousands of CAD) Net Income (in thousands of CAD) 240, , , , ,912-2,885-1, ,499

Shinhan Bank Canada Products and Services Deposits Loans Demand Deposits Term Deposits Savings Account Checking Account Free Term Deposit Green Term Deposit Maple Term Deposit Power Term Deposit

14 Shinhan Bank Canada Products and Services Deposits Loans Demand Deposits Term Deposits Savings Account Checking Account Free Term Deposit Green Term Deposit Maple Term Deposit Power Term Deposit Shinhan Installment Deposit Mortgage Business Personal Residential Mortgage Commercial Mortgage Business Loan Business Improvement Loan Personal Loan Line of Credit/Overdraft Stand by Letter of Credit Installment Term Deposit Registered Plans for Tax Benefit Package Product Free Installment Deposit Kids & Dream Health Installment Deposit RRSP TFSA RRIF Student Package Student s Mom Package New Comer Package Others Global EZnet Internet Banking Direct Banking International Wire Transfer Account Inquiry Account Inquiry Wire Transfer/Bill Payment Term Deposits Installment Deposit Senior Package ATM Interac/Exchange Network

Credit Installment Term Deposit Registered Plans for Tax Benefit Package Product Free Installment Deposit Kids & Dream Health Installment Deposit RRSP TFSA RRIF Student Package Student s Mom Package

15 Shinhan Bank Canada Bank Activities Street Campaign Sales Activities

16 Shinhan Bank Canada Bank Activities CSR Activities Staff Training

17 Thank you

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