Vision Of BNK Financial Group  1
CEO Message  2
The Two-Bank System For Future Potentials  4
BNK Financial Group History  6
Stable Corporate Governance  8
Integrated Risk Management  10
Transparent Ethical Management  12
Initiating Sustainable Management  14
Stakeholder Engagement  15
Materiality Test  16
Laying the Foundation for Sustainable Growth  20
Providing Customer-Centered Financial Services  26
Response to Climate and Energy Reduction  34
Suggesting a New Win-Win Growth Model with the Regional communities  40
Fostering Financial Specialists  48
Protection of Financial Consumers  56
Busan Bank  60
Kyongnam Bank  62
BNK Securities  64
BNK Capital  66
BNK Savings Bank  68
BNK Credit Information  70
BNK System  72
Financial Statements  74
Appendix  104
Performance Data of Sustainability Management  105
GRI Guideline Index  110
Assurance Statement on GHG Emissions  113
Third - Party Assurance Report  114
Explanations about the Report  116

CEO Message 4
Introduction of BS Financial Group 6
BS Financial Group History 8
Transparent and Accountable Management 10
Stakeholder Engagement 17
Creating Profit through Management Innovation 22
Development of Customer Satisfaction Products and Services 30
Financial Consumer Protection Efforts 38
Expansion of Creating Social Value 44
Employee Development and Support 52
Busan Bank 64
BS Securities 66
BS Capital 68
BS Savings Bank 70
BS Credit Information 72
BS Information System 74
Financial Statements 76
Appendix 102
Performance Data of Sustainability Management 103
GRI Index 105
Third-Party Assurance Report 108
Additional Information 110