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Hana Financial Group Code of Ethics
Preamble
By pursuing ethical, creative, and sustainable corporate management, Hana Financial
Group (hereon “the Company”) will continue to grow into a leading financial group by
upholding our proud traditions of ethical behavior, respect for humankind, and strong
work ethic.
To that end, we hereby enact the Code of Ethics, setting forth the values and ethical
standards held by the Company and the basic principles our employees should comply
with when carrying out their everyday task.
Considering the importance of social responsibility and trust expected of a financial
business, all decisions determined and implemented by the Company and its employees
in their relations with customers, the community, and subsidiaries require more stringent
ethical standards and a greater sense of responsibility than usual. Members of Hana
Financial Group, as financial professionals trusted and respected by customers and the
society, pledge to faithfully abide by this Code of Ethics by establishing a culture of
mutual respect and behaving in a careful and dignified manner.
Chapter 1 General Provisions
[Basic principle] Employees shall carry out their assignments with a strict sense of
mission and responsibility and pursue the following objectives with integrity and mutual
trust:
A. (Precedence of customer satisfaction) Employees shall always think and act from the
customers’ viewpoint and do their best to provide the best possible products and
services to the customers.
B. (Upholding Ethical Principles) Employees shall always strive to maintain a fully
developed sense of ethics by being fully aware of and complying to this Code of Ethics.
C. (Employee satisfaction) Employees shall value each employee’s dignity and strive to
foster an environment in which all employees may pleasantly work together through
guarantee of equal opportunities in every aspect of work, fair evaluation, and proper
compensation.
D. (Fulfillment of social responsibilities) Employees shall carry out their social
responsibilities and roles as members of the community, and contribute to the country’s
economic and social development by being an exemplary figure through compliance of
rules and regulations and establishment of a stable financial market.
E. (Maximization of shareholders’ wealth) Employees will provide stable benefits to
shareholders in the long term by maximizing the Company’s value through reasonable
investments and healthy management.
[Scope of application and interpretation] This Code of Ethics shall be applied and
interpreted consistently and fairly for all subsidiaries of the Company and their employees.
Chapter 2 Duties to customers
[Integrity and fairness] Employees’ business activities shall always be carried out
honestly and fairly under the relevant laws and regulations.
[Management of customer assets] Employees shall carry out their fiduciary duties in
protecting the customers’ assets from the risks of fraud or loss and in taking care of their
personal information or information concerning transactions involving their assets.
[Caveats for business operations] Employees shall provide customers with truthful and
accurate information so that they may select the products or services most suitable for
them, and shall not engage in acts of excessive solicitation that may incur a customer’s
misunderstanding or blur their sense of judgment.
Chapter 3 Duties of Employees
[Concentration on work] Employees shall not engage in any private activity that has no
relevance to their duties as employees of the Company during work hours.
[Healthy leisure activities and modest lifestyle] Employees shall make efforts to
enhance the quality of their lives by engaging in healthy leisure activities outside their
work hours and maintaining a modest lifestyle.
[Prohibition of inappropriate instructions] Supervisors shall not give inappropriate
instructions to employees under their control and shall not follow inappropriate
instructions from their supervisors.
[Reporting misconduct and whistleblower Protection] When employees detect a case
that violates laws and regulations, this Code of Ethics, or recognize the possibility of such
a case, they shall immediately report it to their supervisor or to the relevant department.
In such cases, the Company shall strictly keep the anonymity of the whistleblower and
shall not give any sort of negative consequences to the whistleblower due to the report.
[Protection of inside information and Prohibition of insider trading] Except when
followed by lawful procedure, inside information related to the Company or the
customers shall not be shared or disclosed, and can be utilized only in relevance to
assigned tasks. Also, insider trading using inside information of the Company or
customers is prohibited.
[Prohibition of Actions of Conflict of interest] Employees shall not engage in any act of
investment, transaction or outside activity that may cause a conflict of interest between
themselves, the Company and the customers, unless such is otherwise permitted under
the relevant laws and regulations. Employees also shall not simultaneously engage in any
business outside their duties as employees of the Company without obtaining the
Company’s prior approval.
[Outside activities] Employees shall not express their opinions concerning the Company
or their tasks as employees of the Company through publication, lecture or external
media without obtaining the Company’s prior approval.
[Limitations of Political activities and on donations] Employees shall not engage in
political activity such as expressing support for a particular political party or candidate,
using his or her assignments or status as an employee of the Company. All contributions,
donations, and expenses under the Company’s name such as political contributions and
charitable contributions must obtain the Company’s prior approval.
[Limitations on Gifts from outside sources] Employees shall not ask for, or accept, gifts
from others in connection with their assignments, regardless of the value.
[Management of expenses] Employees shall spend expenses only for the execution of
the Company’s business at a reasonable and necessary level. The misappropriation of the
Company’ money is strictly forbidden.
[Money laundering] Employees shall recognize the importance of the system for the
prevention of money laundering and comply with the procedure under the relevant laws
and regulations concerning the prevention of money laundering. Employees shall not
become directly or indirectly involved in money laundering under any circumstances.
[Personal Loans] Employees shall not lend money to or borrow money from a customer
on a private basis or engage in gambling that entails transfer of money with a customer.
For the lending or borrowing of an exceptionally large sum of money, employees shall
obtain the prior approval of the Company.
[Mutual respect] Employees must respect each other and keep good manners;
employees shall be wary of each other’s diversity and refrain from acts of discrimination.
[Transparency in transactions] Decisions on the purchase of all products and services
required by the Company shall be made based on quality, convenience of use, price and
degree of contribution to the Company, as well as on the supplier’s trustworthiness and
faithfulness, on both short- and long-term considerations of the value of the required
articles or services, and on the purpose of the purchase.
[Prohibition of sexual harassment] Employees shall not use their status within the
Company or their tasks to use sexually offensive language or engage in sexually improper
behavior or use them as condition to incur to incur disadvantages during employment or
sexual humiliation to other employees.
[Fair competition] Employees shall not engage, or cause an affiliate company to engage,
in any unfair transaction.
[Mutual cooperation] All employees shall faithfully cooperate with each other in the
Company’s interest.
Chapter 4 The Company’s duties to employees
[Respect for Employees’ creativity] The Company shall strive to foster a work
environment and corporate culture in which each individual employee’s creativity is
respected and in which each employee’s abilities can be exerted fully.
[Protection of personal information] The Company shall handle in a careful manner
each individual employee’s personal information, including information on personnel
affairs.
[Prohibition of discrimination and Compensation based on performance and
competence] The Company shall recognize the diversity of individual employees, not
discriminate against them for any reason whatsoever on the basis of their race, gender,
nationality, religion, regional origin, educational background, ancestry, or disability. The
Company shall fairly evaluate and compensate employees based on their competence
and job performance.
[Education and training] The Company shall strive to provide employees with fair and
proper opportunities for education and training for the enhancement of professional skills.
Chapter 5 Social Responsibility
[Exemplary business practice] The Company and its employees shall carry out lawful
and honest business activities, setting an example for other companies and contributing
to the development of the country through fulfilling all tax obligations.
[Role as a corporate citizen] The Company and its employees shall always behave with
respect to public interest instead of only focusing on profit in all of its activities. The
Company and its employees will provide the society and its members with useful and
affordable services.
[Duty as a corporate citizen] The Company and its employees shall fulfill their duties as
a corporate citizen by actively participating in the cultural and social activities of the
community including efforts to preserve the environment.
Chapter 6 Duties to the Company and shareholders
[Preservation of the Company’s assets] All assets of the Company, including its trade
name, shall only be used for the benefit of the Company, and shall not be used for a
private purpose without the Company’s approval. All rights concerning assets and
information acquired by the employees during their employment with the Company shall
revert to the Company even after the termination of their employment.
[Management of records] Employees shall draw up all records, materials and information
concerning the Company’s business accurately and keep them in good order.