Charter of Ethics

Promoting and maintaining ethical values is our top priority.

Charter of Ethics

Hana officers and employees shall place the utmost priority on ethical values based on ethics and responsibility, in order to provide financial services that enable coustomers and employees to be happy and grow together.

Hana officers and employees shall comply with all applicable laws and principles, draw a clear line between the public and privte spheres and treat all persons, including customers, with a spirit of mutual respect and cooperation.

Hana officers and employees shall fulfill their responsibility to help Hana Financial Group merit the trust and respect of Group members, customers, and the community.

Hanaofficers and employess shall fulfill their responsibility to help Hana Financial Group merit the trust and respect of Group members, customers, and the community by embodying the mindset of "I represent the company " and always performing their duties in a mature manner.

Code One

Questions for Ethical Judgment

Does my decision comply with Code One?

Will no problems result
if the action I plan
to take is disclosed
to the media and/or
to other employees?

Would others make the same decision if they were in the same situation as me?

If you answered "Yes" to all of the above questions, you may act based on ethical judgment.

If it is difficult to make a judgment on your own, please speak with company units in charge of ethics and/or compliance.

Chapter1 Attitude of officers and Employees

  1. 1. Sense of Duty
    Hana officers and employees shall carry out their assignments with a strong sense of duty and responsibility based on integrity and transparency.
  2. 2. Mutual Respect and Prohibition against Discrimination
    Hana officers and employees shall respect each other and shall not discriminate against each other for any reasons whatsoever on the basis of a person's nationality, gender, educational background, etc.
  3. 3. Separation of Public and Private Matters
    Hana officers and employees shall draw a clear line between public and private matters and shall not pursue personal interests.
  4. 4. Compliance
    Hana officers and employees shall fully understand and observe policies relation to compliance and code of ethics.
  5. 5. Protection of Information
    Hana officers and employees shall protect information about customers and the company, and shall not use anysuch information for their personal interests or the interests of a third party.
  6. 6. Protection of Company Assets
    Hana officers and employees shall use and protect the tangible and intangible assets of the company, including the company's brand.
  7. 7. Execution of Expenditures
    Hana officers and employees shall utize expenditures in an appropriate manner and shall not use their budget for their personal intersrs.
  8. 8. Prohibition against Sexual Harassment
    Hana officers and employees shall not give inappropriate orders to subordinates and shall not follow any inappropriate order(s) from Supervisors.
  9. 9. Prohibition against Sexual Harassment
    Hana officers and employees shall not engage in sexually inappropriate behavior causing humiliation or shame.
  10. 10. Prohibition against Extension of Personal Loans
    Hana officers and employees shall not lend money to or borrow money from a customer or from other officers oremployees and shall not extend any guarantees to such persons.
  11. 11. prohibition against Conflicts of Interest
    Hana officers and employees shell not be involved in conflicts of interest with customers or a company(investment, business deals, etc.) and shall not take a concurrent position at a different company without priorapproval from the company.
  12. 12. Restrictions on Receiving Gifts, etc
    Hana officers and employees shall not receive or request any tangible or intangible benefits such as money or gifts from interested parties.
  13. 13. Whistle-blowing and Whistle-blower Protection
    Hanaofficers and employess shall report any violation of compliance and/or the code of ethics and any possible violation of compliance or code of ethics to the divisions in charge of ethics, compliance, or audit and examination; and a company shall protect the whistle-blwor's identity and a company shall protect any possible disadvantages to the whistle-blower.
  14. 14. Outside Activities
    Hana officers and employees shall not express their opinions regarding the business of a company in any outside media, publication, and lecture without the prior approval of a company.
  15. 15. Prohibition against Polirical Activities
    Hana officers and employees shall not be involved in political activities within a company and shall not express political opinions that could affect a company externally.
  16. 16. Records and their Preservation
    Hana officers and employees shall accurately prepare and preserve any records, materials, and/or information related to business, and shall not falsify or make any false report rearding records, materials, and/or information related to business.
  17. 17. Cooperation among Group Members
    Hana officers and employees shall cooperate with each other for the interests of a customer and the Group and shall not engage in any unfair transactions.

Chapter2 Attitude Toward Officers and Employees

  1. 18. Fair Evaluation and Rewards
    A company shall evaluate and provide compensation to its officers and employees based on fair standards.
  2. 19. Provision of Growth Opportunities
    A company shall provide opportunities for self-development in bid to enhance the expertise and/or capabilities of its employees.
  3. 20. Contentment of Group Members
    A company shall make efforts to help its officers and employees achieve a balance between work and life and enjoy a healthy family and personal life.

Chapter3 Attitude Toward Interested Parties

  1. 21. Protection of Customer's Properties
    Hana officers and employees shall provide trustworthy products and services that satisfy customers and protect customers' assets. Based on a fiduciary duty.
  2. 22. Protection of Customers' Right to Know
    Hana officers and employees shall protect customers' right-to-know and provide them with the information required for rational decisions in an timely and accurate manner.
  3. 23. Win-Win with Partner Companies
    Hana officers and employees shall conduct transactions with parther companies in a fair and transparent manner and make efforts to grow together.
  4. 24. Protection of Shareholders' Interest
    Hana officers and employees shall respect the reasonable demands suggestions of shareolders and make efforts to enhance shareholder value.
  5. 25. Social Responsibility
    Hana officers and employees shall create value in society through legal and fair business activities, contribute to the country's development, and fulfill the responsibilities and duties of a company as a mermber of the community.

Declaration of the Human Rights

Declaration of the Human Rights of Hana Financial Group

Hana Financial Group makes its best efforts to faithfully fulfill its corporate social responsibilities and pursue healthy, mutual growth with all its stakeholders, in accordance with its mission statement “Growing Together, Sharing Happiness.”

Hana Financial Group’s mission statement serves as a foundation for “Code One” (the Group’s code of ethics), which presents the company’s ethics-based standard of decision-making and code of conduct and lays the groundwork for the company’s effort to prioritize human rights in its business activities. In addition, Hana Financial Group supports the principles of human rights proposed by the UN in its Universal Declaration of Human Rights and Guiding Principles on Business and Human Rights. Going forward, the Group will continue striving to protect the human rights of all its stakeholders and prevent human rights infringements, as outlined below.

Human rights of employees

  • · We respect diversity and prohibit any form of discrimination on the basis of gender, school affiliation, disability, religion, race, or place of origin, etc.
  • · We evaluate and compensate employees based on fair standards and provide them with appropriate opportunities for self-development to improve their performance.
  • · We establish and maintain safe and clean work environments to protect and promote the health of our employees.
  • · We consistently improve working conditions to ensure that our employees are able to achieve work-life balance and maximize their individual capacities.

Human rights of customers

  • · We protect the human rights of financially underprivileged groups, such as seniors and people with disabilities, by increasing their accessibility to financial services.
  • · We do not provide financial services that discriminate against customers on the basis of gender, age, or religion, etc.
  • · We collect only the minimum amount of personal information necessary to provide our customers with financial services and manage their personal information in a safe and secure manner.
  • · We strive to develop and provide products and services of the highest quality in order to satisfy our customers’ needs and earn their trust.

Human rights of shareholders and investors

  • · We provide necessary information for our shareholders and investors in a timely, accurate, and fair manner and in accordance with relevant laws and regulations.
  • · By disclosing accurate accounting data, we maintain the transparency of management and earn the trust of our shareholders and investors.
  • · We help raise the value of our shareholders and investors by practicing reasonable decision-making and conducting our management activities transparently.

Human rights of partner companies

  • · We pursue mutual growth and co-existence with our partner companies by ensuring that all our transactions with them are fair and transparent.
  • · We do not use our superior status to force our partner companies to make unfair or fraudulent transactions.
  • · We communicate with our partner companies about ethical, human rights-based management and support them in adopting such practices.

Human rights of local communities

  • · We take careful measures to ensure that we do not infringe upon the human rights of members of local communities in the process of conducting our business activities.
  • · We actively engage in social contribution activities including the support for underprivileged groups in local communities.
  • · We seek to increase social transparency and security by preventing financial crimes, such as illegal money laundering, terrorism financing, etc.

Framework of the Declaration of Human Rights

Hana Financial Group makes its best efforts to faithfully fulfill its corporate social responsibilities and pursue healthy, mutual growth with all its stakeholders, in accordance with its mission statement “Growing Together, Sharing Happiness.”

Hana Financial Group’s mission statement serves as a foundation for “Code One” (the Group’s code of ethics), which presents the company’s ethics-based standard of decision-making and code of conduct and lays the groundwork for the company’s effort to prioritize human rights in its business activities. In addition, Hana Financial Group supports the principles of human rights proposed by the UN in its Universal Declaration of Human Rights and Guiding Principles on Business and Human Rights. Going forward, the Group will continue striving to protect the human rights of all its stakeholders and prevent human rights infringements, as outlined below.

Classification of stakeholders and relevant human rights issues

  • Employees

    • Ban on discrimination(Article 2 of Code One)
    • Fair evaluation and compensation(Articles 18 and 19 of Code One)
    • Safe work environment(Human Rights Management Guideline, set forth by the National Human Rights Commission of Korea [NHRCK])
    • Improvement of working conditions (Article 20 of Code One)
  • Customers

    • Protection of financially underprivileged groups(Guideline for Consumer Protection, set forth by the Financial Supervisory Service)
    • Ban on discrimination in the provision of financial services
    • Protection of personal information(Article 5 of Code One)
    • Provision of useful financial services (reflecting the Group’s vision)
  • Shareholders and investors

    • Provision of information in a fair and transparent manner(Article 22 of Code One)
    • Preservation of mutually reliable relationships
    • Enhancement of value of shareholders and investors(Article 24 of Code One)
  • Partner companies

    • Coexistence and mutual prosperity(Article 23 of Code One)
    • Ban on unfair and fraudulent transaction
    • Provision of support for ethical, human rights-based management(Human Rights Management Guideline, set forth by the NHRCK)
  • Local communities

    • Protection of the human rights of members of local communities(Human Rights Management Guideline, set forth by the NHRCK)
    • Provision of support for underprivileged groups(Article 25 of Code One)
    • Blocking of fraudulent transactions

Voice of Integrity

We appreciate your comments, suggestions, and feedback and value your input as an important part of helping us
resolve issues quickly and fairly.

Hana TI strives to comply with the Fair Trade Act and uphold ethical management practices and welcomes any comments or reports regarding its business ethics.

If you are aware of any issue of unfair trade or misconduct perpetuated by Hana TI or its employees, or witness any activities that are in violation of the company’s Code of Ethics, please submit a report (see below).

  • · The contents of the report filed and the personal information of the filer will be kept strictly confidential.
  • · Hana TI pledges its full protection of anyone who files a report as stated above and absolves said person from any disadvantages or damages associated with filing.
  • · The contents of each report must be supported by factual information and evidence. Reports that contain unwarranted slandering or violate employees’ privacy cannot be upheld.

Voice of Integrity