HANABANK

What HANABANK does

Hana Bank (하나은행) is a major South Korean commercial bank and the core banking subsidiary of Hana Financial Group (하나금융그룹), one of Korea's leading financial conglomerates. The bank was formed through multiple mergers and is publicly listed on the Korea Exchange (KRX: 086790), with headquarters in Seoul and a national branch, ATM/CD, and digital distribution network. Its product portfolio spans deposits, mortgage and personal loans, corporate banking, foreign exchange, securities brokerage, credit cards, insurance, retirement pensions (IRP/DC), Individual Savings Accounts (ISA), gold/silver bars, and KOSPI200-linked structured deposits (지수플러스 정기예금). Customer segments are organized horizontally across retail/individual, corporate/enterprise, and small business owners/sole proprietors, with no single anchor customer dependency.

The bank's technology platform centers on the Hana 1Q (하나원큐) smartphone application, complemented by internet banking, phone banking, and an open banking aggregation layer connected through Korea Financial Settlement Corporation (금융결제원). Supporting features include the Hi Chatbot (하이챗봇) AI assistant, Hana N Safe electronic fraud prevention, the 1Q Financial Consultation Service (원큐 금융 상담서비스) for non-face-to-face advisory, and an AI Pension Investment Solution (AI 연금투자 솔루션) for retirement portfolio design. Back-office technology operations are anchored at the Hana Financial Group Integrated Data Center (하나금융그룹통합데이터센터) in Incheon, where the IT Planning Department is based. The bank holds ISO 27001, ISO 27701, ISMS-P, and Web Accessibility certifications.

Hana Bank's revenue model is built on three primary streams: net interest income from the spread between lending and deposit rates across mortgages, personal, corporate, and credit loans; fee and commission income from transfers, account services, FX, fund sales, insurance intermediation, and securities brokerage; and sales commissions and management fees from investment products including funds, trusts, and wealth management. Pricing is transparent and transaction-based, with same-bank transfers free, cross-bank internet transfers at KRW 500, and per-transaction SMS notifications at KRW 20 (or KRW 800/month fixed). Cross-selling is structurally enabled through wholly-owned group affiliates — Hana Card, Hana Securities, Hana Capital, Hana Life, Hana Non-Life Insurance, Hana Savings Bank, and Finnq — that distribute through the Hana Bank platform.

Name

HANABANK

Legal name

하나은행 (Hana Bank)

Website

https://hanabank.com

Company type

Public

Operating status

Operating

Headcount range

11–50 employees

Short description

Hana Bank (하나은행) is a major publicly listed South Korean commercial bank and core subsidiary of Hana Financial Group, serving retail, corporate, and small business customers through branches, digital, and open banking channels with deposits, loans, cards, investments, pensions, and structured products.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Managed Accounts & Unified Managed Accounts (UMAs) — Multi-Asset (FSAAAJAE)

Keywords

• Retail banking services
• Corporate banking
• Wealth management
• Digital banking
• Foreign exchange services

Headquarters

HQ city

Seoul

HQ country

South Korea

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income: Interest earned from lending products including mortgages, personal loans, corporate loans, and credit loans
2. Fee and Commission Income: Fees from banking services including transfers, account management, foreign exchange, fund sales, insurance intermediation, and securities brokerage
3. Deposit Products: Interest paid to depositors; spread between lending rates and deposit rates forms core banking margin
4. Investment Products: Sales commissions and management fees from investment products including funds, trusts, and wealth management services

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels4 records

Core offering

Hana Bank is a South Korean commercial bank offering retail and corporate banking products including deposit accounts, personal and corporate loans, KOSPI200-linked structured time deposits, individual retirement pensions (IRP), Individual Savings Accounts (ISA), securities brokerage, foreign exchange services, gold/silver bar investment, and insurance distribution. Services are delivered through physical branches, internet banking, phone banking, the Hana OneQ mobile app, and ATM/CD networks, complemented by integration with sister companies in the Hana Financial Group ecosystem (Hana Card, Hana Securities, Hana Capital, Hana Life).

Product overview

Hana Bank (KEB 하나은행) operates as a comprehensive commercial banking platform within the Hana Financial Group, offering a unified digital banking experience through internet banking, smartphone banking (하나원큐 app), and physical branch network. The core banking platform provides deposit accounts, lending products, and fund management, which are complemented by retirement pension products (개인형IRP, DC型企业형IRP), insurance distribution through bancassurance partnerships, and ISA (Individual Savings Account) products. The bank differentiates through specialized ELD (Equity-Linked Deposit) structured products linked to KOSPI200, AI-powered pension investment solutions, open banking aggregation, and dedicated consulting services including the 1Q 금융 상담서비스 for remote financial consultations. Cross-selling is enabled through integrations with sister companies including Hana Card, Hana Securities, and Hana Capital within the Hana Financial Group ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• 하나원큐 (Hana One Q): Mobile banking application providing comprehensive financial services including account management, transfers, and loan services
• 하나머니 (Hana Money)
• 하나라운지 (Hana Lounge)
• 하나에스크로 (Hana Escrow)
• 하나카드 (Hana Card)
• 아이부자 (iBooja)
• 핀크 (Finnq)

Products and services

• Hana OneQ Mobile Banking (하나원큐) Smartphone banking application providing comprehensive account management, fund transfers, foreign exchange, fund investments, loan applications, and insurance access for individual retail customers.
• Index Plus Time Deposit (지수플러스 정기예금) - KOSPI200 ELD KOSPI200 index-linked structured time deposit offering principal protection at maturity with returns determined by index performance, available in Stability (1-year), Aggressive (1-year), and Aggressive (6-month) variants for individual investors.
• Personal IRP (개인형 IRP) Individual Retirement Pension Individual-type retirement pension account allowing annual contributions up to 18 million KRW with tax deduction benefits up to 9 million KRW, supporting flexible fund management with tax-deferred investment returns.
• 1Q Financial Consultation Service (원큐 금융 상담서비스) Non-face-to-face financial consultation service connecting customers with dedicated advisors via phone or messaging, covering personal loans, housing loans, auto finance, business loans, asset management, and foreign exchange consulting without requiring branch visits.
• Hana Escrow (하나에스크로) Electronic escrow service for secure online transactions, particularly for e-commerce and real estate payments, operated by Hana Escrow subsidiary.
• ISA Individual Savings Account (개인종합자산관리계좌) Individual Savings Account offering tax advantages for long-term savings with flexible investment options in trusts and managed accounts.
• Gold Bar / Silver Bar Investment (골드바/실버바) Gold and silver bar investment products with daily pricing for precious metals investment available through Hana Bank.
• Cash IC Card (현금IC카드) Cash card service enabling deposits and withdrawals without a traditional bankbook using IC card technology.
• Securities Brokerage Services (증권대행업무) Securities brokerage service handling stock trading, custody, and investment account management through the Hana Bank platform for individual and corporate customers.
• Currency Exchange Wallet (환전지갑) Currency exchange wallet service enabling convenient foreign currency exchange with preferential rates through the bank.
• Internet/Phone Banking (인터넷뱅킹/폰뱅킹) Internet and phone banking platform providing 24/7 access to account management, transfers, bill payments, and financial services for retail customers.
• Open Banking (오픈뱅킹) Open banking service enabling customers to view account information and transfer funds across multiple financial institutions through a single platform.
• Social Insurance / National Pension Services (4대 보험/국민연금) Health insurance, national pension enrollment, contribution management, and integrated social insurance premium collection services for individuals and employers.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• 하나카드 (Hana Card)coreOthersHana Card is a subsidiary within the Hana Financial Group ecosystem, offering credit card services and is linked through the Hana Bank platform for integrated financial services.
• 하나금융그룹 (Hana Financial Group)coreOthersParent company of Hana Bank, a major Korean financial conglomerate with subsidiaries including Hana Securities, Hana Capital, Hana Life, Hana Non-Life Insurance, and others.
• 핀크 (Finnq)minorOthersDigital financial platform company within the Hana Financial Group ecosystem offering mobile-first financial services.
• 금융결제원 (Korea Financial Computer Corporation)coreTechnology or IntegrationProvider of open banking infrastructure and payment systems that Hana Bank connects with for services including open banking and CMS.

Scale indicators2 records

Recent moves6 records

Expansion highlights7 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HanaBank_KR
• YouTubeyoutube.com/user/HanabankNewBiz
• Facebookfacebook.com/hanabank
• Instagraminstagram.com/hanabank_official
• LinkedInlinkedin.com/company/hanabank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HANABANK