Shinhan Financial Group is a full-service banking group with operations and credit exposure mostly in South Korea. The group offers a wide range of financial services, including retail banking, corporate banking, wealth management, investment banking, credit card services, brokerage services, life insurance, asset management, and digital banking. Shinhan's strategy emphasizes cross-selling, financial technology, and expansion into international markets to drive future growth. Its banking division drives a majority of its income generation. The company's loan base is diversified, while retail customers constitute a plurality of outstanding loans.