"Expanding Productive Finance"... BNK Financial Group Implements Organizational Restructuring

In Line with the Government's 'Five Major Regions and Three Special Zones' Transition and Region-Led Growth
Establishing the Busan-Ulsan-Gyeongnam Growth Strategy Committee,
Advancing Public Interest and Profitability

BNK Financial Group (Chairman Bin Daein) has carried out an organizational restructuring for the new year.

On January 5, the company announced that it had implemented the 2026 organizational restructuring to support balanced regional development in line with the government's transition to the 'Five Major Regions and Three Special Zones' system and region-led growth, and to actively respond to the Financial Services Commission and Financial Supervisory Service's direction to expand productive finance and strengthen financial consumer protection.

This restructuring focuses on four main areas: ▲Supporting region-led growth, ▲Strengthening sustainable finance based on productive finance, ▲Enhancing financial consumer protection and integrated internal control systems, and ▲Increasing shareholder value. The aim is to improve the overall structure of the group and boost execution capabilities.

First, the group plans to establish the 'Busan-Ulsan-Gyeongnam Growth Strategy Committee.' This committee will be responsible for identifying and implementing growth agendas for the Busan-Ulsan-Gyeongnam region, in line with the government's balanced regional development policy and the transition to the 'Five Major Regions and Three Special Zones' system.

A BNK Financial Group representative explained that "the Busan-Ulsan-Gyeongnam region is an area with a concentration of industries such as maritime, logistics, manufacturing, and energy, but it is also facing structural livelihood challenges such as population decline, regional extinction, and sluggishness among small business owners and the self-employed. Therefore, an execution-oriented regional cooperation system is necessary." This statement outlines the background for establishing the Busan-Ulsan-Gyeongnam Growth Strategy Committee.

Next, the group will establish a Sustainable Finance Division and a Productive Finance Support Department to build a group-wide governance structure for productive finance and systematically support the initiatives of its affiliates. The plan is to advance a sustainable finance model that harmonizes public interest and profitability by strengthening financial support for the regional economy and linking it with government policies.

To strengthen financial consumer protection, the group will establish a Consumer Protection and Internal Control Division. This division will build an integrated management system to ensure consistent inspection and improvement throughout the entire process, from product development to sales and after-sales management. The company intends to advance its functionally dispersed internal control systems into a single financial safety model to substantially enhance consumer rights protection. Through this, BNK Financial Group aims to reduce blind spots in internal controls and establish a management system focused on accident prevention.

In addition, to systematically promote shareholder communication and capital market-friendly policies, the group will set up a 'Value-Up Task Force' to refine and advance profitability improvement, capital efficiency, and shareholder return policies at the group level. Based on this, the company will simultaneously work to enhance corporate value and group credibility through internal and external communication grounded in objective financial data.

A BNK Financial Group representative emphasized, "This organizational restructuring focuses on strengthening the group's fundamentals and securing future growth engines amid an uncertain domestic and international financial environment. We will steadfastly pursue support for Busan-Ulsan-Gyeongnam region growth, productive finance, enhancement of financial consumer rights, and value-up strategies to become a financial group trusted by shareholders, customers, and the local community."