Chapter 1 Ethics toward Customers

1. 1. Hana Financial Group considers its customers first in its standards for behavior and judgment.

   The customers’ interests are prioritized in all cases where a conflict of interest arises with its customers in the course of its business performance.

   It endeavors to promote the rights and interests of its customers and to safeguard their assets and information with the fiduciary duty of a fair administrator.

   It steadily improves its business processes in order to enhance customer convenience and provides a wide range of advanced financial services utilizing digital technologies.

2. 2. Hana Financial Group communicates with its customers with sincerity and professionalism.

   Hana Financial Group actively gathers opinions from its customers and strives to resolve customers’ complaints promptly and accurately based on its high level of competence and strong expertise.

   It recommends suitable products and services to its customers along with accurate explanations. It does not engage in any unfair or unreasonable business activities or false or exaggerated advertisements.

Chapter 2 Ethics of Officers and Employees

1. 3. Hana Financial Group’s officers and employees behave with mutual respect and consideration.

   3.1 We do not discriminate against anyone on any grounds, such as origin or gender, while developing an embracing inclusive culture that respects diversity.

   We strictly prohibit all forms of workplace bullying or harassment that cause physical or mental pain and all forms of sexual harassment that cause sexual humiliation or disgust.

   We fully understand that violations of the Code of Conduct will result in due accountability for their conduct and more stringent standards and responsibilities for leaders.

   We report the matter to the Ethics or Compliance department if we are compelled to do something that violates the law or the Code, or if we become aware of any such improper conduct.

   We cooperate with each other based on mutual respect and communication to promote the development of the entire Group using fair means.

2. 4. Hana Financial Group’s officers and employees perform their duties in an honest and transparent manner.

   We clearly distinguish between public and private matters and always prioritize the interests of the company in the event of a conflict of interest.

   We do not accept or demand any tangible or intangible benefits such as cash or gifts from any stakeholders, including other officers and employees, and do not engage in private financial transactions such as the borrowing of funds or payment guarantees.

   Expenses for business activities are used solely for legitimate purposes and are managed transparently.

   We collect and utilize the personal information of our customers, company information, and information of our officers and employees solely for those purposes permitted under the relevant statutes and regulations, and also administer the information securely by applying thorough protective measures.

   We will neither use nor provide to any third parties important internal or confidential information acquired in the course of performing our duties.

   We transparently use - for legitimate purposes only - and protect all tangible and intangible company assets, including the company’s trade names.

   We will continue with our personal development efforts to secure competitiveness and expertise while duly understanding and complying with the laws and regulations related to our work.

3. 5. Hana Financial Group’s officers and employees follow due process in external communications and act ethically based on a balanced perspective.

   We comply with the procedures established by the company when contacting external media on issues related to the company or our work and also when accepting an external job concurrently for an unavoidable cause.

   We do not conduct any political activities within the company’s premises, and we also perform our obligation for political neutrality in the course of performing our duties.

   We use social media responsibly while abstaining from any unethical behavior such as spreading false information that may damage the reputation of others, and we refrain from using any discriminatory or hateful expressions in the current digital environment based on anonymity.

Chapter 3 Ethics toward Officers and Employees

1. 6. Hana Financial Group respects the personal dignity of its officers and employees and treats them fairly.

   It provides equal opportunities according to the employees' diverse abilities and aptitudes, and operates appropriate self-development courses to help enhance their work expertise and capabilities.

   It also evaluates the employees based on fair standards to compensate them in a reasonable fashion.

2. 7. Hana Financial Group considers the working conditions of its officers and employees

   It strives to help its employees to realize themselves within a healthy work-life balance while enjoying a happy life with their families.

   It enhances the reliability and effectiveness of its whistleblower system by deploying active protective measures, such as maintaining the strict confidentiality of whistleblowers and prohibiting the imposition of any disadvantages against them.

   We, the officers and employees of Hana Financial Group, comply with all the statutes and regulations related to safety and health and also strive to generate a safe and comfortable work environment.

Chapter 4 Ethics toward Shareholders

1. 8. Hana Financial Group respects the rights and interests of its shareholders.

   It treats all its shareholders fairly and equally, and considers all the interest of its shareholders in a balanced manner.

   It respects all legitimate requests and suggestions made by the shareholders and strives to enhance its shareholder value.

2. 9. Hana Financial Group accurately records and transparently discloses its managerial information.

   It accurately records and manages accounting data in accordance with the International Financial Reporting Standards (IFRS) to secure uniformity and objectivity in its accounting.

   It provides the shareholders with accurate and up-to-date information in accordance with the relevant statutes and regulations.

Chapter 5 Ethics toward Society

1. 10. Hana Financial Group fulfills its corporate social responsibilities while creating societal values through its business activities.

   It endeavors to protect and enhance the human rights of all its stakeholders based on its declaration of human rights.

   It extensively considers its environmental impacts throughout all the processes related to its provision of financial products and services.

   It carries out corporate social responsibility and various other activities to enhance the socio-economic values of its local communities and their members.

   It conducts its business activities according to the inclusive principle of diversity and respects the local culture and laws of the countries belonging to its global network.

2. 11. Hana Financial Group contributes to the development of the state and society through its business activities.

   It contributes to the development of the national economy through the creation of jobs and faithful payment of taxes.

   It handles donations transparently in compliance with the pertinent statutes and regulations.

Chapter 6 Ethics toward Partners and Competitors

1. 12. Hana Financial Group interacts ethically with third parties.

   It concludes contracts with its partner companies based on integrity in accordance with appropriate and transparent procedures without making any unreasonable demands that exploit our advantageous position.

   It actively shares an ethical culture based on mutual respect and cooperates with its partners to ensure mutual growth.

2. 13. Hana Financial Group respects the desirable competitive market order.

   It competes fairly by complying with the fair-trade laws and regulations.

   It contributes to the establishment of a sound market economic order based on fair and free competition among enterprises.