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Woori Bank Annual Report 2015

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Woori Bank Annual Report 2015 WOORI BANK ANNUAL REPORT 2015 WOORI BANK ll WIyour B EE lifetime partner! TABLE OF CONTENTS Woori Internet BEE Bank A mobile world of our dreams! Woori Bank marks the start of a new era of financial services with the Blue Bee, WiBee, providing more convenient and diverse banking services as sweet as honey anytime, anywhere via smartphones. 03 58 Woori Story Strong Partner Message from the CEO ___ 020 Consumer Banking ___ 060 Company Structure ___ 024 Wealth Management ___ 063 Financial Highlights ___ 025 Pension & Trust Business ___ 065 Board of Directors & Management ___ 026 Corporate Banking ___ 067 Corporate Governance ___ 028 SME Banking ___ 069 News Highlights ___ 030 Institutional Banking ___ 072 Woori Bank Awards 2015 ___ 032 Real Estate Finance ___ 074 34 76 Reliable Partner Sincere Partner Smart Banking ___ 036 Social Contribution Activities ___ 078 Risk Management ___ 038 Woori Smile Microcredit ___ 080 Employee Satisfaction ___ 041 Ethical Management ___ 082 Consumer Protection ___ 044 84 46 Financial Review Leading Partner Management’s Discussion and Analysis ___ 085 Global Business ___ 048 Independent Auditor Report ___ 096 Investment Banking ___ 051 Financial Statements ___ 98 Financial Market Business ___ 053 Organizational Chart ___ 192 International Trade Business ___ 056 Global Network ___ 194 WOORI STORY WOORI STORY STORY WOORI RE L IA B I E P ARTNER WOORI BANK WIll B EE PARTNER LEADING your lifetime partner! S TRONG PARTNER Over the past 117 years, Woori Bank has always been there for our custom- ers at important moments in history. Being the oldest Korean bank, Woori Bank went through numerous difficulties and challenges at home and abroad in order to emerge from the past, stand strong in the present and look towards the brighter future, thereby always be- ing there for our customers as a lifetime partner to help them at all times. S Woori Bank has been a step ahead of our competitors as a leader of the fi- INCERE nancial market in 2015. We opened new possibilities by successfully launch- ing the 1st mobile bank ‘WiBee Bank’ to open a new mid-level interest rate P loan market, as well as leading the effort to cultivate innovative markets for ARTNER FinTech as an internet bank. In order to provide the most convenient and safest financial services for our customers, we will strive to bring innovations in the FinTech sector and achieve further growth to ensure that happiness and satisfaction of our cus- tomers and shareholders comes 1st out of all priorities. In order to respond to the changes in the financial environment, Woori Bank FINANCIA will stand firm as a strong bank that brings changes and innovations to the financial markets, while always being there for our customers and contribut- ing to achieving further growth for our domestic and global customers. L R EVIE W Woori Bank has always been there for our customers as a reliable partner protecting and supporting them in good times and bad. Reliable Partner ll BEE your lifetime partner! lifetime ll BEE your I Woori Bank, W Woori CUSTOMER STORIES Hatvit Women's Hospital Hyeongshin Han, Doctor ll BEE your lifetime partner! lifetime ll BEE your I Woori Bank, W Woori Like Hatvit Women's Hospital’s goal of touching people’s hearts and to be there for our children in the future, Woori Bank is a reliable partner for a brighter future. Woori Bank Annual Report 2015 6 CUSTOMER STORIES Woori Bank has been our partner in helping us to take care of people and female patients as well as leading responsible lives as female physicians. Hatvit Women’s Hospital aims to become a hospital that takes care of patients professionally, while also satisfying customer needs for medical care. The hospital needed to move to another location for its patients and Woori Bank helped by providing funds. 1 2 3 • ‘Hatvit’ symbolizes ‘women and babies’, ‘birth’, ‘beginnings’ and ‘warmth’. In this way, the hospital is filled with warm sunshine and natural LED lights are installed throughout the hospital for new babies. • Hatvit Women’s Hospital aims to heal by becoming a leading hospital with reputable physicians who take good care of female patients. 4 5 6 7 8 9 Woori Bank Annual Report 2015 7 Woori Bank dreams of leading our customers to a better quality in life, and thereby, serves as a partner that enhances their financial, physical and spiritual well-being. Leading Partner ll BEE your lifetime partner! lifetime ll BEE your I Woori Bank, W Woori CUSTOMER STORIES Hyehwadong Catholic Church Fr. Alfredo Africa, MSP ll BEE your lifetime partner! lifetime ll BEE your I Woori Bank, W Woori Woori Bank provides the best financial services that match the life patterns of foreign workers, and we strive to lead in offering more convenient financial services for our customers anytime, anywhere. Woori Bank Annual Report 2015 10 CUSTOMER STORIES Woori Bank makes customers feel at home by always greeting them with a friendly vibe and being there for customers anytime, anywhere. Woori Bank’s Hyehwadong Branch became more active after the Philippine Catholic Priest Fredo from the Hyehwadong Catholic Church gave a mass in Tagalog. In order to help customers from the Philippines who cannot come to the bank during weekdays because of their busy schedules, we offer convenient remittance services for living expenses to families in the Philippines on Sundays. 1 2 3 • Every Sunday, there are lots of customers at the branch with about one thousand people gathering at the market near the Hyehwadong area. Woori Bank pays attention to ensuring customer convenience by posting the exchange rates so that they are visible from a distance. • Woori Bank is Korea’s only bank to establish a close relationship with Metrobank in the Philippines and operate as a competitor and a client company. 4 5 6 7 8 Woori Bank Annual Report 2015 11 Woori Bank, WIll BEE your lifetime partner! Woori Bank acts as a strong partner in supporting Korean companies to achieve intense development domestically and abroad and thereby contributes to the continuous development of the Korean economy Strongas a whole. Partner CUSTOMER STORIES BMT Inc. Jongchan Yoon, CEO ll BEE your lifetime partner! lifetime ll BEE your I Woori Bank, W Woori Woori Bank has developed together with the nation and our customers, and we will always be there for our customers in the future to provide help when needed. Woori Bank Annual Report 2015 14 CUSTOMER STORIES Woori Bank has continuously stood by Korean companies to help them during difficult times. Bank transactions are the same as transaction between people. Woori Bank greets customers warmly with the mindset of helping them as much as possible. Woori Bank has helped Korean companies to take a leap forward as they enter into new markets. Therefore, the relationship between the bank and our clients has been satisfactory and results in win-win cooperation. Korean companies will continue to take a leap forward in the future with the help of Woori Bank. 1 2 3 • Manufacturing companies make valves, industrial fittings and valves that are used as the connecting link in many components in the fields of Korea’s leading advanced industries today, including automobiles, aerospace and semiconductors. • Superlok i-fittings used as semiconductor fittings are high-precision products that received recognition by introducing innovative technology. The technology enhances competitiveness allowing companies to grow and evolve. 4 5 6 7 8 9 Woori Bank Annual Report 2015 15 Woori Bank, WIll BEE your lifetime partner! Woori Bank aims to become a sincere partner by fulfilling our social responsibilities warm heartedly so that we can become one in heart to dream for a better future. Sincere Partner CUSTOMER STORIES Good Neighbors Ilha Yi, President ll BEE your lifetime partner! lifetime ll BEE your I Woori Bank, W Woori In order to ensure a better tomorrow, Woori Bank has been a partner in conducting meaningful projects. Woori Bank fulfills its social responsibilities with the world-famous NGO Good Neighbors to help develop the future together. Woori Bank Annual Report 2015 18 CUSTOMER STORIES Woori Bank has been a sincere partner for Good Neighbors. Good Neighbors was established in 1991 and it has built a trusting relationship with Woori Bank. Woori Bank jointly implemented a campaign for supporting those children who were raised in crisis family to ensure children are well taken care of, while also making efforts in promoting a culture of donation amongst customers. Moreover, Woori Bank has become a sincere partner for Good Neighbors by supporting remittances for international development cooperation projects taking place overseas in 37 countries. Good Neighbors hopes to maintain a good relationship with Woori Bank in the future. 1 2 3 • Good Neighbors was founded in Korea and has implemented social welfare projects and international development cooperation projects to create a better world and promote healthy changes for our children, families and local communities domestically and internationally. • Good Neighbors not only helps and respects people by allowing them to make a better living, but also strives to create a world where people carry out their role of helping others and sharing a better future with good neighbors around the world. 4 5 6 7 8 Support Good Neighbors by calling 1544-7944 / www.goodneighbors.kr Woori Bank Annual Report 2015 19 MESSAGE FROM THE CEO Message ll BEE your lifetime partner! lifetime ll BEE your I from the CEO Woori Bank, W Woori Woori Bank has led change and innovation in the Korean financial market by leading ‘half a step’ ahead of the competition in 2015.
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