CEO message 6
Introduction of BS Financial Group 8
Transparent and Accountable Management 12
Risk Management 15
Stakeholder Engagement 17
Happiness with You 20
Win-Win Management 22
Customer Satisfaction Management 36
Employee Happiness Management 44
Value Creation Management 54
Working Together for Happiness with You 60
Busan Bank 62
BS Securities 64
BS Capital 66
BS Savings Bank 68
BS Credit Information 70
BS Information System 72
Financial Statements 74
Appendix 100
Key Performance in Sustainable Management 101
Third-Party Assurance Report 106
Glossary 112

Corporate History
Financial Highlights
CEO's Message
Corporate Story
Operation Review
Sustainability Management
Financial Performance
Management/Organization Chart
Banking Directory
IR Information / Network
Busan Metropolitan City - Hub of Northeast Asia