Disclosure Inner Page Slide

Disclosure

Disclosure items Regulatory requirement for disclosure items
Public Disclosure of Management
  • Matters on organization and manpower;
  • Matters on financial statement, profit and loss;
  • Matters on financing and operation of funds;
  • Matters on management indicators regarding soundness, profitability, productivity, etc.;
  • Matters which influence bank management, such as management policy and risk management.

shall be complied with the Uniform Management Publication Standards of Financial Business determined by the Chairperson of the Korea Federation of Banks.

Agreement disclosure
  • Public announcement on the Internet home page shall be made to ensures that the standard contract terms and conditions may be available to users at any time, and public announcement at places of business shall ensure that the standard contract terms and conditions may be immediately available to users upon their request:
  • Banks shall specify the enforcement date of their standard contract terms and conditions (if modified, including the enforcement date of the modified standard contract terms and conditions), comparison of standard contract terms and conditions before and after modification, applicability of the modified standard contract terms and conditions to the existing customers, and, if the sale of instruments to which standard contract terms and conditions apply is closed, the fact, date, etc. of such closing;(in case of revision, revised contents shall be posted for one month before effective date)
  • Banks shall continue to publicly announce their standard contract terms and conditions for three years after relevant contracts are no longer valid.
GENERAL TERMS AND CONDITIONS OF DEPOSIT TRANSACTIONS
TERMS AND CONDITIONS OF SAVINGS ACCOUNT
TERMS AND CONDITIONS OF TIME DEPOSIT
GENERAL TERMS AND CONDITIONS OF FOREIGN EXCHANGE TRANSACTIONS
General Terms and Conditions for Bank Credit Transactions (Corporate Borrower)
General Agreement for Credit Transactions (for Company)
Foreign Exchange Transaction Agreement
Foreign Exchange Transaction Agreement (Forex Trading)
Savings product disclosure
  • Agreed interest rate, or, in cases of variable rate savings (or savings with dividends variable on performance), the method of determining an agreed interest rate (or dividend rate) and an interest rate determined by such method, an interest rate for early termination, and an interest rate for termination on maturity;
  • Annual earning rate, in cases of savings with a definite rate (or dividend);
  • Method of calculating interest, timing and method of the payment of principal or interest, and restrictions concerning the payment of principal or interest;
  • Fees and other incidental expenses (excluding fees, such as shall be borne by users for the purposes of carrying out activities required under Acts or exercising their interests or rights);
  • Term of a contract (or the dates of commencement and expiration thereof), the method of terminating or renewing a contract, and the method of disposing of savings that have matured but have not yet been withdrawn;
  • The minimum amount of transactions or the ceiling thereon, and requirements for opening savings accounts;
  • Whether relevant savings are entitled to protection under the Depositor Protection Act, and if so, the ceiling thereon;
  • Loss that may be suffered by depositors, and conditions under which such loss may occur;
  • Term of validity of the information publicly announced;
  • Favorable (exempted or reduced) tax rate or amount of each tax item and the period of such favorable treatment, and possibility of taxation or of the change in the tax rate;
  • Conditions under which additional benefits are provided, and the details of such benefits (if such benefits are associated with loans, Article 70-2 shall apply);
  • Other major contents of contracts applicable to relevant savings.
Savings Account Product Description
Time Deposit Product Description
Loans product disclosure
  • Agreed interest rate, or, in cases of variable rate loans (or loans with dividends variable on performance), the method of determining an agreed interest rate (or dividend rate);
  • Method of calculating interest, timing and method of the repayment of principal or interest, and restrictions concerning the repayment of principal or interest;
  • Fees and other incidental expenses (excluding fees to be naturally borne by users for carrying out activities required under Acts or exercising their interests or rights);
  • Term of a contract (or the dates of commencement and expiration thereof), the method of terminating or renewing a contract, and the imposition of damage for delay and other methods of disposition when principal or interest is overdue;
  • The minimum amount of transactions or the ceiling thereon;
  • Whether a security or guarantee is required;
  • Restrictions on loan transactions and qualification requirements for applying for loans;
  • Loss that may be suffered by borrowers, and conditions under which such loss may occur;
  • Term of validity of the information publicly announced;
  • Conditions under which additional benefits are provided, and the details of such benefits;
  • Other major contents of contracts applicable to relevant loans.
Foreign Exchange Product Description
Corporate loan Product Description
Foreign Exchange Product (Forfaiting Transaction) Description
Other service product disclosure With respect to instruments or services that banks provide to users on a commercial basis the prices thereof and other incidental expenses shall be publicly announced.
CDD Posting on internet homepage
Notice of Customer
Privacy Policy on Processing (Handling) of Personal Information Posting on internet homepage
Personal Information Handlers’ Privacy Policy on Processing (Handling) of Personal Information
Guidelines on customer right to privacy Posting on internet homepage
Guidelines on Customer's Right to Privacy
Depositor protection Posting on internet homepage
Notes for Depositor Protection
Protection Financial Products Register
Notice of Exercise of Interest Lowering Right Posting on internet homepage
Notice of Exercise of Interest Lowering Right

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