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SustainabilityGovernance

Firmly positioned as the leading player in the Korean real estate
finance industry

At the core of KORAMCO’s ESG engagement is the ESG Committee led by the Chairman of the Board of Directors as the Committee Chairman, with the head of each division and outside directors as its members. In parallel, we have the ESG Secretariat led by the head of a supporting team in each division, and the Working Group consisting of working-level staff members.

At the core of KORAMCO’s ESG engagement is the ESG Committee led by the Chairman of the Board of Directors as the Committee Chairman, with the head of each division and outside directors as its members. In parallel, we have the ESG Secretariat led by the head of a supporting team in each division, and the Working Group consisting of working-level staff members.

Furthermore, we continue to pursue reasonable business management based on a sound and stable corporate governance through the independent decision-making by the Board of Directors comprised of experts in each field, The expertise and independence of the Board of Directors serve as a foundation that allows us to take preemptive and integrated response to various risks. With transparent disclosure and an anti-corruption system, we have firmly established ourselves as a leader in the Korea real estate finance industry.

Furthermore, we continue to pursue reasonable business management based on a sound and stable corporate governance through the independent decision-making by the Board of Directors comprised of experts in each field, The expertise and independence of the Board of Directors serve as a foundation that allows us to take preemptive and integrated response to various risks. With transparent disclosure and an anti-corruption system, we have firmly established ourselves as a leader in the Korea real estate finance industry.

Key Initiatives

  • Stable ownership structure centering around the majority shareholder with more than 50% of the shares

    Have a group of shareholders with long-term investment, consisting of large financial institutions such as government-run bank, securities firm, etc. Build a fast and efficient information sharing system for shareholders

  • Independent and efficient board of directors

    Build an independent decision- making structure where an inside director, not a majority shareholder or CEO, becomes the Chairman of the Board of Directors Secure a professional and reasonable decision-making structure by introducing an outside director system proactively (in May 2006), consisting of experts in finance and other related industries Organize separate expert committees within the Board of Directors (ESG Committee, Risk Management Committee, Audit Committee,etc.) Build a fair process for appointing directors through a committee to recommend outside director candidates

  • Integrated risk management system

    Operate a step-by-step risk inspection and response system, starting from risk analysis by a relevant department to deliberation committee in a relevant division --> general risk management team --> risk management committee

  • Stronger legal risk management

    Continuously strengthen the expertise of the Legal Office (five in-house lawyers) capable of responding to changes in real estate policies and unexpected situations regarding each product

  • Compliance with the internal control standard

    Establish and comply with the business standard to observe laws and regulations, and to protect shareholders and customers Carry out periodic reality check, led by the CEO, on internal control and report findings to the Financial Services Commission

  • Implementation of the compliance program

    Appoint a compliance officer through the board voting, and ensure independent compliance activities Provide periodic/on-demand training on internal control and compliance Operate a corruption report channel for inside and outside stakeholders such as investors, partner companies and vendees