Shinhan Financial Group has 17 subsidiaries, providing customers with a full range of excellent financial services, including banking, credit cards, securities, insurance, and asset management. The Group operates a matrix system in order to expand the business of each subsidiary, ensure a coherent and efficient Group strategy, and to optimize the use of all of its resources, in particular capital and personnel. As of the end of 2020, we operate seven businesses in a matrix structure-GIB, WM, Global, GMS, Pension, Real Estate and Digital.