DB Insurance INTEGRATED REPORT 2025 PDF Free Download

Name: DB Insurance INTEGRATED REPORT 2025 PDF
Author: Mario Garrett

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DB Insurance INTEGRATED REPORT 2025 PDF Free Download

DB Insurance INTEGRATED REPORT 2025 PDF free Download. Think more deeply and widely.

A global company striving a happy society with customers

















Reporting Period







Reporting Scope and Boundaries











Reporting Principles and Standards















Report Assurance









Company DB Insurance

Address 432 Teheran-ro, Gangnam-gu, Seoul, Republic of Korea

Department ESG Secretariat

Contact 02-3011-3163 /11900616@dbins.co.kr

Website www.idbins.com



04 CEO Message

05 About DB Insurance

18 ESG Strategy

20 Approach to Sustainability

22 Materiality Assessment

25 Stakeholder Communication Channels



Mutual Prosperity Finance

Customer-Oriented Management

Protection of Financial Consumers

IT Infra and Data Security

Human Resource Management

Social Contribution Activities



27 Reinforcing Business Performance

and Competitive Edge

32 Enhancing Global Competitiveness

34 Digital Innovation and Technology



Corporate Governance

Compliance and Ethical Management

100

Risk Management



Environmental Management System

Climate Action

Green Finance



104

FACT Book

110

GRI Index

112

TCFD Index

SASB Index

113

ICFR Operating Status Report of the CEO

and the Internal Accounting Manager

114

Independent Auditor’s Report

116

GHG Emissions Verication Statement

117

Independent Assurance Statement

Introduction

04 CEOMessage

05 AboutDBInsurance

18 ESGStrategy

20 ApproachtoSustainability

22 MaterialityAssessment

25 StakeholderCommunicationChannels

Introduction 

DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Governance Appendix     











































ToallstakeholdersofDBInsurance,













Introduction 

DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Governance Appendix









     

















DB Insurance Co., Ltd.

Jeong Jong-pyo

March 2, 1962







432 Teheran-ro, Gangnam-gu,

Seoul, Republic of Korea

4,763



www.idbins.com

Introduction 

DB Insurance INTEGRATED REPORT 2025



 





























Introduction 

DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Governance Appendix



Expanding premium

customers through

innovation in digital- based

channels

Generating sustainable

prots by strengthening

core competencies

Diversifying the business

portfolio oriented toward

future growth

  







Establishingarobustandeciency-centeredsustainablemanagementsystem

     

 



















 



   













































  









(Stable)





(Stable)









(Stable)





(Stable)







(Stable)



PA(PrimeAgent)

 

Agency

 

CrossAgent

 

 

GA(GeneralAgency)

 



































































Introduction 

DB Insurance INTEGRATED REPORT 2025













04 09

02 10

05 14

Overseas Branches

Guam

Hawaii

California



New York



Overseas Subsidiaries

Ancheng Property & Casualty Insurance (Chongqing), China

PTI (Hanoi), Vietnam

DBV(formerly VNI) (Hanoi), Vietnam

BSH (Hanoi), Vietnam

DBAA Investment Corporation(New York), USA

John Mullen & Co. (Hawaii)

Overseas Oces

Beijing

Yangon

Jakarta

Joint Venture Brokerage

Nuoya Insurance Brokerage (Qingdao), China

Introduction 

DB Insurance INTEGRATED REPORT 2025





Direction

Plan



Direction

Plan



We will improve our communication and interaction with customers.

We will strive to increase the company’s visibility and reputation through numerous events.

We will create and widely share emblems that carry social value.

Direction

Plan





We will foster a sense of belonging and strengthen cohesion within the company.

We will broaden communication channels and ensure genuine dialogue.

We will ensure active support for our partners’ growth.







We will reinforce the collaborative culture between our field operations and headquarters.

We will promote mutual understanding by enhancing communication between employees

and across generations.

We will enhance working conditions to increase employees’ motivation.

Introduction 

DB Insurance INTEGRATED REPORT 2025









JUN 1963

















MAR 1971

MAR 1973

MAY 1976





















JAN 1981

FEB 1983

OCT 1984





















DEC 1991

OCT 1995

AUG 1997

















2002

2004

2009















2017

2018

2019





2020



















2010

2012

2015





























2021

2022

2023

1990 2000 201019801970 2020























2024







MAR 1962

Introduction 

DB Insurance INTEGRATED REPORT 2025



















DB Financial Investment

is vigorously advancing its

infrastructure investments to

adeptly respond to the digital

transformation era, simultaneously

enhancing its social contribution

endeavors and refining its

governance structures to ascend

as a vanguard of sustainable

management.

DB Life Insurance is evolving

into a robust company with

growth and profitability based

on the balanced development of

each sales channel—including

the financial planner sales

channel, GA, new channels, and

bancassurance—with an emphasis

on selling guaranteed insurance

policies based on stable asset

management.

DB Asset Management aspires

to rise as the premier long-term

investment firm in Korea through

asset management that adheres

to fundamentals and efficient

operations centered on teamwork.

DB Capital is strategically targeting

stable growth by diversifying

its operational portfolio and

invigorating the investment finance

sector.

DB Savings Bank continues to

lead the industry, underpinned by

unwavering financial stability and

robust asset soundness, ensuring

its continued growth.

Introduction 

DB Insurance INTEGRATED REPORT 2025





















































RiskManagement

Committee

AssetRMDivision

InsuranceRMDivision































CRO FinancialConglomerate

RiskManagementCouncil





BoD 





BoD

CCO

ComplianceDivision GroupCompliance

Division

LegalRiskManagement

Division























FinancialConglomerate

InternalControlCouncil





GroupRMDivision

Introduction 

DB Insurance INTEGRATED REPORT 2025



Category 2022 2023 2024





  



  



  









  





  







  



  







  



  





  

   



  



  



  









Category Fund No.ofAccounts

Evaluation

Amount



       











 

 



 

 



  



 





󱱜󱱝

󱱞



































































TotalAssets TotalCapital

Liabilities OperatingProt NetProt

 















Category Initiatives

Environment

(E)















Society

(S)





























Governance

(G)

















Introduction 

DB Insurance INTEGRATED REPORT 2025





Fields Initiatives

Environmental

(E)













Social

(S)

















Governance

(G)











Increasednewguarantee-typecontractsfornetgrowthincontractualservice

margin(CSM)

Strengthenedchannelcompetitiveness

Managedportfolioofassetsinconsiderationofchangesinvalueofliability

Promoteddigitalizationanddevelopmentofnewmarkets

Strengthenedconsumerprotectionandbrandimage

Fosteredacompanycultureofchallenge

































 



TotalAssets TotalCapital

Liabilities OperatingProt NetProt

 

















Introduction 

DB Insurance INTEGRATED REPORT 2025

















































Category     

2022 2023 2024 2022 2023 2024 2022 2023 2024 2022 2023 2024 2022 2023 2024

TotalAssets

               

Liabilities

                

Capital

              

OperatingProt

               

NetProt



             





TotalAssets TotalCapital

Liabilities OperatingProt NetLoss

 













TotalAssets TotalCapital

Liabilities OperatingProt NetProt

 













TotalAssets TotalCapital

Liabilities OperatingProt NetProt

 

















Introduction 

DB Insurance INTEGRATED REPORT 2025

































MedicalExpense

Insurance





Excellent

HappinessDouble

PlusHealth

Insurance









Excellent

DriverAccident

Insurance







SmartAnnuity

Insurance









ILOVEPLUS

HealthInsurance





LikeFather,

LikeSon

Full-Coverage

Insurance













NewI’mOK

CancerInsurance





Custom

Full-Coverage

LivingInsurance





ExcellentDental

LoveInsurance













CustomHealth

Insurance















ExcellentMore

IndemnityNursing

Insurance









Excellent3.1.1

SimpleHealth

Insurance









Introduction 

DB Insurance INTEGRATED REPORT 2025



















































FinancialCapital









Manufactured

Capital







IntellectualCapital









HumanCapital











Socialand

RelationshipCapital











NaturalCapital













Products Long-term products, car products, general products

Services

























Exclusive

Channels

PA(PrimeAgent)



Agency





Non-exclusive

Channels

GA(GeneralAgency)





CrossAgent









Asset Domestic and international investment nancing operations

Establishment of a dedicated long-term asset management

organization

Claims

















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

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





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







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







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













Introduction 

DB Insurance INTEGRATED REPORT 2025

 















































































BoD

ESGCommittee

ESGWorkingCommittee

ESGSecretariat



  

Saleschannels,products,compensationorganization,etc.



Introduction 

DB Insurance INTEGRATED REPORT 2025





















































































 













Vision

Goal

Direction

Strategies

Aglobal

insurancenancialcompany

strivingahappysocietywithcustomers

Establishingstakeholder-orientedESGmanagementfor

asustainablesociety





































Enhancing

environmental

systems

Creating

sustainable

social value

Establishing advanced

governance in line with

global standards

1. Operating a nancial carbon

emissions management system

2. Establishing a climate risk

management framework

3. Securing green leadership

1. Leading ESG-linked CSR

2. Strengthening stakeholder

communication

1. Building an integrated ESG

management system

2. Ensuring transparent board

operations



STEP1 STEP2 STEP3



















2024~2025 2025~2026 Post-2026

Introduction 

DB Insurance INTEGRATED REPORT 2025













% Increased





points





%





%







% achieved

case



people





 













 

 

 

 













 



 



































 



 

 









Introduction 

DB Insurance INTEGRATED REPORT 2025

 





Ranked rst for four consecutive

years in the KS-SQI Longterm

Insurance category

Hosted by Korea Standards

Association

Selected as a leading company in

nancial consumer protection in

Korea

Hosted by Korea Management

Association

Selected as a leading company in one

company, one school nancial

education

Hosted by the Fair Trade

Commission



National Quality Award Winners

Council

Korea Business Council for

Sustainable Development Financial Security Institute

General Insurance Association of

Korea Korea Listed Companies Association Korea Enterprises Federation

Korean Fire Protection Association Korean Insurance Academic Society The Federation of Korean

Industries

Korean Insurance Academic

Society

Financial Information Security

Association UNEP FI



Order Organization Amount

1General Insurance Association of

Korea 4,991

2Korea Insurance Development

Institute 3,623

3Korea Automobile Insurance Repair

Research & Training Center 2,287

4Korea Insurance Research Institute 1,137

5Korea Credit Information Services 1,029

Total 13,067



Introduction 

DB Insurance INTEGRATED REPORT 2025











































(environment, society,

economy, etc.)

















Introduction 

DB Insurance INTEGRATED REPORT 2025

































































































































 







  

Introduction 

DB Insurance INTEGRATED REPORT 2025

 

















Ranking

(*) ESG Keyissues Environmental

andSocialImpact

Financial

Impact Page GRI

Index







󱻔󱻔󱻔 󱻔󱻔󱻔  









󱻔󱻔󱻔 󱻔󱻔󱻔  

󱻋





󱻔󱻔󱻔 󱻔󱻔󱻔  







󱻔󱻔󱻔 󱻔󱻔󱻔  







󱻔󱻔󱻔 󱻔󱻔  



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

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󱻔󱻔󱻔 󱻔󱻔  

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󱻔󱻔󱻔 󱻔󱻔  





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󱻔󱻔 󱻔󱻔󱻔  

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󱻔󱻔󱻔 󱻔󱻔  

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󱻔󱻔󱻔 󱻔󱻔 

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



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

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

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

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

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

357910 11 13 15 18

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

















Introduction 

DB Insurance INTEGRATED REPORT 2025











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





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



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















































•ConsumerEvaluationPanel

•CustomerVOC

•DreamBigPlaza

•Suggestionsystem

•Employeeparticipation

channel



•On-sitePAcommunication

channels

•SalesFamilyTV

•Investorrelationsactivities

•AnnualGeneralMeetingand

boardmeetings

•CSRactivities

•Sportssponsorship

•Publicinterestactivities

    



Introduction 

DB Insurance INTEGRATED REPORT 2025



27 ReinforcingBusinessPerformanceandCompetitiveEdge

32 EnhancingGlobalCompetitiveness

34 DigitalInnovationandTechnology



DB Insurance INTEGRATED REPORT 2025

Environment Social Governance Appendix     















































Category Unit 2023 2024

Increase/

Decrease

G/R(%)

     

     

     



    

     

   

Stakeholders municationChannels 2022 2023 2024

    

    

    

    

    



Category Unit

Direct

Premiums

Written

Pre-Tax

Prot

AmountPaid

asTax

DomesticTaxReduction

DuetoOverseasTax

Payment(KRW)

     

     

     

     







DB Insurance INTEGRATED REPORT 2025

























































































































































OpenInnovationProjects













CustomerProducts 



Channels











Claims 



AssetManagement 

ManagementSupport 

2021 2022 2023

2020 2019 2018 2017

2005 2008 2015 2016

2024







DB Insurance INTEGRATED REPORT 2025



ImplementationMethods InnovationScope Goal

TopDown

 























BottomUp

  



 









Control

Tower

Innovation

Secretariat











InnovationCommittee

(Chairperson:CEO)

DigitalInnovation

Division

(6MBBs1))





























(until2009)



































Operational

Outcomes

Strategic Outcomes

Targeted

Outcomes



DB Insurance INTEGRATED REPORT 2025

Post-Incident

Evaluation





Pre-SalesActivitiesand

CommencingSales







PlanningandFeedback

Collection













































































 

 

FinalizingDevelopmentPlan

andApprovingProducts

FormulatingProduct

OperationStrategy































DB Insurance INTEGRATED REPORT 2025































































































 

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



















DB Insurance INTEGRATED REPORT 2025





































































































































































~2020 2021~2022 2023~2024

California



NewYork



Hawaii



Guam













DB Insurance INTEGRATED REPORT 2025

















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





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







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

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



2021 2022

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

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



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









DB Insurance INTEGRATED REPORT 2025



InnovationThroughDigital

DigitalTransformationTransformation

CustomerCentric





InnovativeCorporate





ConnectedEcosystem





SustainableCreativity





Customers









Channels











Products







Processes











OrganizationalCulture













 









































Digital Drivers - 4C



DB Insurance INTEGRATED REPORT 2025

























  

Expandingdisruptiveinnovationindigitalbusiness

&facilitatingplatformtransition

(digitalnancial+nonnancialservices)

Strengtheningdigital

nancialbusiness

Strengtheningvaluechain

competitiveness

Process+Digital





















Biz+Digital



















DigitalTechnologyEmpowerment

 

 



 

 

 

Financial+Technology

 

 

 

 

 

 

Financial+Ecosystem

 

 

 

 

 

 





                  

 

 

 

 

 

 



DB Insurance INTEGRATED REPORT 2025





Insurance



Individual

customers

Corporate

customers

Customer

platforms

Investment









 

 



Hospitals

Digital

channels

My Data

platform

Processes

Customers

Products

Channels Aiming for an open platform connected with digital channels

Providing customized products

Providing hyper-personalized customer experiences

Implementing an optimized organization for digital

innovation (linked to business, digital, and IT)

Innovating all business processes

from a digital perspective

Maximizing customer

convenience

Providing data-driven

insights



>>>

>>

Digital

Enabler



















DBDigitalPlatform



 











Customers









DB Insurance INTEGRATED REPORT 2025



 

































CultivatingInsurtechExperts

(Company-Wide Mentors)

IntensiveCultivatingof

DataAnalysts

OperatingProgramsforExpanding

DigitalLiteracy









































































UnderstandingDomesticand

InternationalDigitalTrends



Understanding

DigitalTechnologies





UnderstandingPractical

DigitalApplicationCases









 

 



DB Insurance INTEGRATED REPORT 2025



 









































































FinancialPerformance











LeadTimeReduction



ImprovementinWorkAccuracy





IncreaseinEmployeeProductivity



ReinforcementofRegulatoryCompliance









As-IsPrimarilyusedforsimpleandrepetitivetasks To-BeExpandingtohigh-valuecreation



 



















DB Insurance INTEGRATED REPORT 2025







































































 















 

 



DB Insurance INTEGRATED REPORT 2025



41 EnvironmentalManagementSystem

44 ClimateAction

53 GreenFinance



DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   























































󱸋





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

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





  











BoD

ESGCommittee

ESGWorkingCommittee







[Environmental]





[Social]





[Governance]





ESGSecretariat



DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   



































































Plan

Act

Check

 



 















 







































DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   





























































































Unit 2022 2023 2024



    

    

    

   







Category

 

 















 

 























DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   

Category Climate-relatedrisks PotentialFinancialImpactsandCounterstrategies

Physical

risks

 



















 

 















Transition

risks



























 

 























 



























 

 



 























 



Category Climate-relatedrisks PotentialFinancialImpactsandCounterstrategies

Resource

eciency

















 

Energy

support













 



Products

and

services













 



Market  



 



Resilience 











 



















DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   























































NetZero2050



2.0℃Scenario

DelayedTransition

CurrentPolicies

Achievecarbonneutralityby2050











80%carbonemissionreduction(590milliontons)

by2050









Introductionofstrongclimatepoliciesafter2030









Globalaveragetemperaturerisesby3°Cby2100

















































DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   























2030 2050 2080 2100

    

    

    





2030 2050 2080 2100

    

    

    





2030 2050 2080 2100

    

    

    





2030 2050 2080 2100

    

    

    



















   









DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   

Scenario Description

CO2

concentrations



SSP1-RCP2.6

(Low-carbon

emission

scenario)

Sustainability – Taking the Green Road (Low

challenges to mitigation and adaptation)











SSP2-RCP4.5

(Low-carbon

emission

scenario)

Middle of the Road (Medium challenges to

mitigation and adaptation)







SSP5-RCP8.5

(High-carbon

emission

scenario)

Fossil-fueled Development – Taking the

Highway (High challenges to mitigation, low

challenges to adaptation)









SSP2-RCP4.5 SSP3-RCP8.5

Chungnam

1.1 billion

Gyeongbuk

4.5 billion

Gyeonggi

1.5 billion

Gyeonggi

5.9 billion

Chungbuk

0.7 billion

Chungbuk

2.8 billion

Gyeongbuk

4.5 billion

Gyeongbuk

17.9 billion

Gyeongnam

1.7billion

























































TheAnnualAmountofPhysicalDamagebyScenario



PhysicalDamageCostsbyRegionin2100

2030 2050 2100

   

   

   

CollateralScale(inKRW)

SSP1-RCP2.6

Seoul 434.0 billion

Gyeonggi 447.9 billion

Daegu 149.8 billion

Busan 118.3 billion

Incheon 82.8 billion

Gyeongnam 59.2billion

Gyeongbuk 52.8 billion

Ulsan 33.3 billion

Daejeon 26.9 billion

Chungnam 24.1 billion

Chungbuk 19.9 billion

Gwangju 17.8 billion

Gangwon 9.6 billion

Chungnam

0.7billion

won

Gyeonggi

1 billion

won

Gyeongbuk

3 billion

won

Over KRW 3 billion

Over KRW 1 billion

Less than KRW 1 billion

Over KRW 100 billion

Over KRW 10 billion

Less than KRW 10 billion

































































  

  























DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   

































DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   































Category Description

Risk

consulting

services

(for

customers)





















Risk

consulting

services

(for

employees)

































Precipitation

StrongWinds

Typhoons Snowfall LightningEarthquakes





Category

Max.

Observed

Value

Description Grade

Precipitation 86  

Strong

Winds 29 

 

Typhoons 27 

 

Snowfall 24  

Earthquakes 2.8  

Lightning 116  











DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   















Category

Emissionsbyassetgroup Emissionsintensitybyassetgroup

2023 2024 2023 2024

Listed stocks3)    

Corporate bonds    

Financial bonds2)  

Government bonds2)  

Total    

Category

GHGEmissions Energy1)consumption

Water

Consumption

(㎥)

Domestic

TravelDistance

(km)

CalculationsCriteria

Scope 1

[city gas, LPG, etc.]

(tCO2eq)

Scope 2

[electricity, Medium

temperature water]

(tCO2eq)

Scope 3 (tCO2eq) Fuel

(City gas, Diesel,

Gasoline)

(TJ)

Electricity

(TJ)

Financed emissions

Indirect emissions

from business trips

2022       









2023        

2024        

2024 targets3)     

YoY Change Rate for 2024        































DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   













































Category ClimateChangeStrategy-RelatedMetrics

Direct(Scope1)Emissions

CityGas,Diesel,andGasoline









Indirect(Scope2)Emissions

Electricity







OtherIndirect(Scope3)Emissions

DistanceforBusinessTrips







GHGemissionsintensity



  2024

17.37 17.49

0.1366

Energyintensity

0.00268

  2024

0.00275

0.00286





DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   





































































Category Utility Nation Mate-

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



            



            





            



󱸪

󱸪

DomesticBonds ForeignBonds



 13.68

3,479,753

5.67

220,041











tCO2eq







3,573,330

33.9

2024

3,699,795

19.12

 



 

 

 

 

 



    





















DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   



























 

34,609 36,684

34,501

4,650,230

4,684,839

5,207,607

5,953,375

5,170,923 5,918,874





  

































Criteriafor

DeterminingEligibility

forGreenFinance

RecognitionAssessmentActivityAssessment

ActivityAssessmentRecognitionAssessment



Product Description

Car

Insurance

Ever Green Endorsement







Mileage-Based Endorsement 



Safe Driving Usage-Based

Insurance (UBI) Endorsement







Electric Vehicle Endorsement 



General

Insurance

Environmental Liability

Insurance







Environmental Pollution Liability

Insurance





Exclusive Insurance for

LNG Power Plants





Promy Public Bicycle

Full-Coverage Insurance





Liability Insurance for Solar Panel

Rental Business Operators





Solar Panel Full-Coverage

Insurance







DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   

Soil









Hazardous

Chemicals







Marine







AirQuality







WaterQuality







Waste

























































 2024 6,493

(42.2%)







 2024 5,130

(33.4%)







 2024 1,806

(11.7%)







 2024 1,756

(11.4%)







 2024 193(1.3%)

EnvironmentalLiability

Insurance





2022  

2023  

2024 Total15,378(100%) KRW26.7billion100%

1. Legal compensation for damages

2. Damage prevention costs (excluding decontamination costs within the business site)

3. Legal costs, attorney fees, and costs related to arbitration, conciliation, or mediation

4. Premiums for deposit bonds







1.3%





33.4%





11.7%



11.4%



42.2%





DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   









































Category ApplicableFacilities Qty

Reference rate









Negotiated reinsurance rate

















  2024









 







Fire Insurance











Flood Insurance







Crop Insurance







6.7

4.8

4.3

3.9

4.1

4.7

3.5

4.3

3.1 5.6

4.2

4.5

3.9

3.5



• Establish

investment plan

• Analyze

investment risk

• Conduct

ESG evaluation

• Proceed with

investment

• Screen business

units



DB Insurance INTEGRATED REPORT 2025

Economy Social Governance Appendix   



57 MutualProsperityFinance

59 Customer-OrientedManagement

68 ProtectionofFinancialConsumers

71 ITInfraandDataSecurity

74 HumanResourceManagement

86 SocialContributionActivities



DB Insurance INTEGRATED REPORT 2025

Economy Environment Governance Appendix    







Simplied

Disclosure

Simplied health insurance for patients and the elderly through simplied

disclosure of questionnaire

Eligibility:

Product Name: 

Accident

Insurance

Insurance providing coverage for everyday risks such as accidents, expense losses, and liability

Eligibility:

Product Name: 

NursingCare

Insurance

Insurance that provides nursing support funds in the event where a nursing care is required

Eligibility:

Product Name: 

IndemnityHealth

Insurance

① Health insurance providing indemnity medical expenses for the elderly

② Simplied indemnity medical insurance with simplied disclosure of questionnaire

Eligibility:

Product Name: 󱱜

󱱝

































BUSINESSCASE

CustomSimpleHealthInsuranceandCustomPremiumsforPersonalized

CoveragebasedontheCustomer’sHealthHistory









PetblyDogInsurancefor10MillionPetOwners











ExcellentMoreIndemnityNursingInsurancetoAddressRapidPopulation

AgingandLong-TermCareIssues































DB Insurance INTEGRATED REPORT 2025





























































Category StartupIncubationInstitutions Category Description







  











 









  













  









  

 

Category 2021 2022 2023 2024 Total

     

 

     

     









Category Performance

 























 

 



DB Insurance INTEGRATED REPORT 2025













Single

Marriage & childrearing

Childrearing for children education

Retirement preparation & retirement

Insurance Entry Period

Insurance Experience Period

Max. Insurance Enrollment Period

Retirement Needs Increase Period

Changesin

needs

Specialized

coverage

Fullcoverage

Lifecycle







 

 





 



NewTechnologyandITInfrastructure Competition Customers RegulationsandSystems







































Providinguniquecustomervaluebasedonanalysisofthechangesintheexternalenvironmentandcustomerneed

ChangesintheExternalEnvironment

 



DB Insurance INTEGRATED REPORT 2025





































































 























DBV-System2)

Videoinformation

storage



Customer 

Non-face-to-faceon-siteassistance













Damageinspection

















ElevatorLiabilityInsurance FireInsurance























DB Insurance INTEGRATED REPORT 2025



















































Operation of online

communication

channels















Increase in customer

touchpoint activities















Family love campaign

that resonates with

customers







Public interest

marketing to create

social value













Notificationof

serviceregistration Customer

confirmation

Customerlocation

confirmation Estimatedarrival

timenotification Action

completed

































































LaneDepartureWarningSystem(LDWS)

AutomaticEmergencyBraking(AEB)

ForwardCollisionWarning(FCW)

AroundViewMonitor(AVM)











LaneKeepingAssistSystem(LKAS)

BlindSpotDetection(BSD)



















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DB Insurance INTEGRATED REPORT 2025







































































No. of complaints

converted



Timely VoC

resolution rate

VoC callback

rate







(Performance)17.9casesin2023→17.1casesin2024

(Goal)17.6casesin2025→17.4casesin2026→17.2casesin2027











(Performance)85.6%in2023→85.0%in2024

(Goal)88.0%in2025→88.3%in2026→88.6%in2027





(Performance)19.9%in2023→17.7%in2024

(Goal)18.0%in2025→17.78%in2026→17.4%in2027

 

  2024   2024   2024



75.2%



74.1%



71.4%



83.2%



85.6%



85.0%



21.3%



19.9%



17.7%

  





DB Insurance INTEGRATED REPORT 2025



















































Operation of the

Consumer Protection

Ocer system













Enhancement of the

response system for

dicult customers











Enhancement of

preemptive complaint

prevention eorts

















79.0%



79.2%



79.2%

2024





DB Insurance INTEGRATED REPORT 2025

























  

• Automobile Insurance

• Fire Insurance

• Driver Insurance

• Travel Insurance

• Comprehensive Insurance

• Cancer Insurance

• Health Insurance

•

Indemnity/Dental Insurance

• Children’s Insurance

• Pet Insurance

• Long-term Care Insurance



We place the protection of our customers’ lives and property as our top priority.

We uphold customer trust by always acting with honesty and transparency.



We go beyond individual lives to make a positive impact on society,

fullling our social responsibilities and committing to a sustainable future.



Insurance is not just about protection—it's about being a partner in life’s journey.

We will continue to innovate alongside our customers and

always stay as a reliable presence by their side.

It'sawishtokeepsomeone'sday

thattheypromisetobetogether.

It’sapledgeforsafety,

awarmconcernforhealth,

andaheartfeltexpressionoflove.

Eachsmallpromisewekeep

becomessomeone’sstrongertomorrow—

andthebeginningofahappierworld.

AtDBInsurance,wearealwaysbyyourside,making

everypromisetogether.



DB Insurance INTEGRATED REPORT 2025



































“A promise we are keeping today and tomorrow, together with everyone”

A professional, trustworthy, and open-minded individual who collaborates to build a valuable life and better future—a true partner for tomorrow

Auto Insurance General Insurance

Service Volunteer Group Sports

Golf Competition Promy Open

Promy Car Service CenterPeople come before cars

Individual

“A promise where people

come ﬁrst”

Corporate

Vision

Brand Essence

Brand Identity

Brand Slogan

Brand Persona

Brand

Core Values

and Aspiration

Detailed Brand

Extensions

Family

“A promise to protect

me and my family”

Individuals+Families

“A promise that

creates happiness”

Individual

“A promise to work for

your happiness”

Social

“A promise for

shared happiness”

Social

“A promise for happiness

with customers”

Insurance to protect

me and my family

Insurance that keeps

its promises

Long-term Insurance

A shortened form of “Promise”, representing DB Insurance’s strong commitment to keeping the promises with our customers

Promise to Customers

Promy Car Promy Life Promy Promy Car World Promy

Volunteer Corps

Promy

Basketball Team

Promise to Society

“A promise we are keeping today and tomorrow, together with everyone”

A professional, trustworthy, and open-minded individual who collaborates to build a valuable life and better future—a true partner for tomorrow

Auto Insurance General Insurance

Service Volunteer Group Sports

Golf Competition Promy Open

Promy Car Service CenterPeople come before cars

Individual

“A promise where people

come ﬁrst”

Corporate

Vision

Brand Essence

Brand Identity

Brand Slogan

Brand Persona

Brand

Core Values

and Aspiration

Detailed Brand

Extensions

Family

“A promise to protect

me and my family”

Individuals+Families

“A promise that

creates happiness”

Individual

“A promise to work for

your happiness”

Social

“A promise for

shared happiness”

Social

“A promise for happiness

with customers”

Insurance to protect

me and my family

Insurance that keeps

its promises

Long-term Insurance

A shortened form of “Promise”, representing DB Insurance’s strong commitment to keeping the promises with our customers

Promise to Customers

Promy Car Promy Life Promy Promy Car World Promy

Volunteer Corps

Promy

Basketball Team

Promise to Society



DB Insurance INTEGRATED REPORT 2025



















MomentOfTruth

To ensure that the DB Insurance brand comes to mind at critical moments, the

campaign emphasizes:

Association and accumulation of

positive brand image

brand messa

Consistent ge

Relatability to consumers’

everyday lives

Easy and clear

delivery

Eye-catching wit

BrandRecall BrandEmpathy BrandFavorability

Consistency

Ease of

Under-

standing

Authenticity Sensation







DB Insurance INTEGRATED REPORT 2025















persons





persons





persons





persons





persons





persons

PromyTV











PromyPromiseStory









X(formerlytwitter)







Kakaotalkfriends







threads







OcialBLOG













DB Insurance INTEGRATED REPORT 2025









































Completesalese-monitoringusagerate

ComplainthandlingperiodforVoCcallbackrates

CSmonitoringsatisfactionrateand

consumersuggestionadoptionrate

CCMcampaignparticipationrate

Establishmentofaproactive

incompletesalescontrolsystem















Consumer-orientedmanagement Enhancedperformancemanagement











Securingcompetitiveadvantage

inMoTservicequality















Spreadingaconsumer-orientedcorporateculture



























Enhancementofcustomercomplainthandling

capabilities















DB Insurance INTEGRATED REPORT 2025















































BUSINESSCASE

Establishment

ofaProactive

IncompleteSales

ControlSystem

1. Adoption Stage













4. Advancement Stage























2. Expansion Stage























3. Stabilization Stage













4 3

InsuranceIndustry’sFirstandSoleRecipientofa“Satisfactory”Gradein

FinancialConsumerProtectionEvaluationin2023

























 

100%



100%

2024

99.9%



DB Insurance INTEGRATED REPORT 2025





























































































3,719

2024







Step 2

Investigation &

Detection

Step 3

Post-Management &

Recurrence Prevention

Step 1

Prevention



































BUSINESSCASE

OpeningoftheDBT-System,aBigData-DrivenFraudInvestigationPlatform























BUSINESSCASE

EnhancementofEnterprise-WideInsuranceFraudControlCapabilities

























DB Insurance INTEGRATED REPORT 2025





 

IT Capabilities Focus to Swiftly Respond to a Rapidly Changing Business Environment

①AdvancementofcontinuousandstableIToperationsinfrastructure























①ImprovementofOperationalSystemsforInternalWorkEciency



















②StrengtheningtheFoundationforDrivingDigitalInnovation















②

StrengtheningBusinessCompetitivenessthroughITServiceImprovement



















  



DB Insurance INTEGRATED REPORT 2025























































EnhancedITbusinesscosteciency KRW  billion

















 





2024





163

2024



DB Insurance INTEGRATED REPORT 2025









































































































 









4,893

2024

















2024 2025 2026



DB Insurance INTEGRATED REPORT 2025















Human rights due

diligence













revention of human rights

violations and long-term

goals















Respect for diversity













Identication of and

support for vulnerable

groups











Ensuring employment

stability



























Identicationofpotential

risksandimpacts

















Evaluationoffactorsand

targets





















Feedbackand

improvementactivities























Legalreviewand

selfassessment

























A global insurance nancial company striving a happy society with customers

3 Spirits, 3 Attitudes, CEO Management Principles, Core Drivers









HumanRightsIssues 2024ImprovementandPerformance









































 





DB Insurance INTEGRATED REPORT 2025



























Developingtalentedindividualswithall-encompassingexpertise,skills,andpracticaljobexperience

SDP







CDP





Dream

BigTalent

Development

System

For internal

employees

Securing

expertise

Development

of elite

personnel

Departmental

training

system



















Career

development

guide















Education

system by

sector

Building job

competencies









Department/Division

In-HouseJobTraining

No.ofcourses No.ofparticipants YoYcomparison

   󱻈

   

   󱻈

   󱻈

   󱻈

  

   

   

 179 4,507 △548































DB Insurance INTEGRATED REPORT 2025



































































Cultivatingoutstandingworkforce

󱸜

















Cultivating global workforce





DBB School (training for data analysts and insurtech workforce)









Educationsystemforhierarchicalpositionssuchasgeneralandsupportsta



Departmental/divisional education system









Operation of Job Competency Self-test





 







Lv.I Lv.II Lv.III Lv.IV



DB Insurance INTEGRATED REPORT 2025



























































승진과연봉

Achievement

Award

Rewardsfor

Learningand

Performance

Outcomes































































DB Insurance INTEGRATED REPORT 2025





COREVALUES



































DB Insurance INTEGRATED REPORT 2025





 







































Indicators Unit 2022 2023 2024

   

    

    



󱽬󱽬󱽬

󱽬󱽬

󱽬󱽬󱽬



















DB Insurance INTEGRATED REPORT 2025





















































































Program Description











 



 



 

 

 



DB Insurance INTEGRATED REPORT 2025



Category Description

Welfare Programs





















Fostering a healthy

work environment













Fostering a exible

work environment





Creativity,

Communication,

Empathy Program





Family-friendly

programs

























Stability funds



Company housing

support













In-house clubs













Category Program Description

Between

company and

employees

 





















 



















Between

employees

















 









 



Between

organizations































DB Insurance INTEGRATED REPORT 2025







































































(Company-wide) HR Division of Grievance Handling Ocers





Legal Support and Risk Management Division





ConsumerProtectionDivision

 









• Manages the list of blacklisted consumers

• Handles complaints in coordination with the

Financial Supervisory Service

Noties incidents involving

blacklisted consumers

Customer service training

Incidentreporting





































































DB Insurance INTEGRATED REPORT 2025































































































No. of PAs





No. of PAs selected

by Blue Ribbon



Satisfaction of sales

partners

































Agents



















Instructors





















BusinessManagers





















ExclusiveChannels Non-exclusiveChannels





Agency











CrossAgent







AccidentInvestigatorsand

LossAdjusters









Hospitals







PromyCarRepairShops







On-SiteAssistanceandEmergency

Response





















727

2024



DB Insurance INTEGRATED REPORT 2025







































5th month~

To The Star Program









7th to 8th month

Auto Consulting Program









9th month

BST Program

(Excellent New Hires)







12th month

Dream Big

(1st Year Milestone)









5th to 12th month

New Employee Conference

Program















Enhancementofcustomeractivitytoolsupport



























0th month~

Basic Training Course (BTC)









1st to 4th month

Field Training Course (FTC)









5th to 18th month

Step-up Program

(Competency Enhancement)







Enhancementofcustomerinteractionand

consultingcapabilities







DB Insurance INTEGRATED REPORT 2025



























































Standard&totalconsultingbranches





Specializedbranches







Crossagentbranches





Sta

organizationby

channel



DB Insurance INTEGRATED REPORT 2025

















































































2025 2026 2027

   





Operation of

social contribution

programs tied to our

core business

Engagement in social responsibility activities related to children,

safety, and nance







Practicing sharing

with the local

community

Expansion of customized social contribution activities to create value

for stakeholders in the local community







Expansion of social

contribution activities

by employees and

sales family

Promotion of awareness-raising programs and activities for the

fulllment of social responsibility by employees and sales family















PromiseforAll



DB Insurance INTEGRATED REPORT 2025









































































































DB Insurance INTEGRATED REPORT 2025











































































Maximum Revenue(specic companies

among participating companies)

New jobs

%

persons













DB Insurance INTEGRATED REPORT 2025





























































































2022 2023 2024

   

   



 



DB Insurance INTEGRATED REPORT 2025























































































2022 2023 2024



  

   



2022 2023 2024

   

   









2022 2023 2024



  



  





DB Insurance INTEGRATED REPORT 2025



92 CorporateGovernance

97 ComplianceandEthicalManagement

100 RiskManagement



DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    





















Category Unit 2022 2023 2024

   

    

   







































Name Position Yearof

Birth Gender Term

Initial

Appointment

Date





Expertise MajorCareer

Industry

Experience





Kim

Jeong-nam

    

















Jeong

Jong-pyo

    





















Nam

Seung-hyeong



    





















Park

Gi-hyeon



    



















Jeong

Chae-ung



    





























Jeon

Seon-ae



    























Yoon

Yong-ro



    



















Kim

Cheol-ho



    

 















ParkSe-min



    

























DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    

































Category Composition

 

 



Category PublicSector Finance Academia Law IT Medicine Total

    

       

       



1

2



3



4



5

6



7



8



9



ExecutiveCandidateNominationCommittee



BOD



AGM*



Publicannouncement



BOD



Executive directors and othersCEO, independent directors, and audit committee members





DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    



























Category JeongChae-ung JeonSeon-ae YoonYong-ro KimCheol-ho ParkSe-min



󱻔 󱻔 󱻔 󱻔



󱻔 󱻔 󱻔 󱻔



󱻔 󱻔 󱻔 󱻔



󱻔 󱻔



󱻔



󱻔 󱻔



󱻔 󱻔 󱻔



󱻔 󱻔



󱻔



2024.02.29







2024.03.22





2024.06.04







2024.09.23





2024.12.23





DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    





























































































ClickherefortheAnnualRepostsonGovernanceand

theRemunerationSystem







































Category Unit 20242)







  



  



  







  

  













Category Ownership(%) Note

  

  



 



  



  



DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    











Category KeyRoles Composition

 Chairperson Requirements

Independent

directors

Executive

directors

 

  

KimJeong-nam











 

  

JeongChae-ung



















 

YoonYong-ro









 

  

JeongChae-ung















  

KimCheol-ho







 

  

ParkSe-min









 

  

JeonSeon-ae









 

  

JeongJong-pyo











DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    

VISION













































ClickherefortheCodeofEthicsanditsPracticeGuidelines

























BOD

CEO Audit(Committee)

Allemployees,sales

organizations

CCO

ComplianceDivision

Compliancemanagers



















































































WorldBestQuality

Program Means Timeframe Target



   



   











 



   





   







Activity Frequency MajorActivities

 







  



 



Headquarters





Sales









Claims







2022

100%

2023

100%

2024

100%



DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    





























































accounts































cases



Category No.ofCases

 

 



 

 

 

  

  

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•Department

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

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

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 



DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    

















































































































Category 2022 2023 2024

   

   

   

   







DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    

















































BOD

AuditCommittee

RiskManagementWorking

Committee







[AuditDivision]











RiskManagement

Committee

[InsuranceandALMDivision]





















[InvestmentDivision]





























Members

DBLifeInsurance DBSecurities DBAsset

Management DBSavingsBank DBCapital



















DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    







































CategoryCategory RiskRisk DescriptionDescription

Financial

risk

Insurance risk 







Interest rate risk











Market risk 

Credit risk







Non-

nancial

risk

Management

risk







Legal risk 





Oce risk 





IT risk 

Reputation risk 





Operational risk 

Group risk 





Overseas branch

risk 

Liquidity risk 





Climate risk 







TrainingcycleTrainingcycle ProgramProgram DescriptionDescription

Annually

Business continuity

planning (BCP) drill







Public web server

cyber drill







Malware drill and

phishing test









Simulated DDoS

attacks





Semi-annually

Disaster recovery

drills































Backup and osite

backup drills









IT incident

response drills





























DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    





































































Departmentalbusiness

impactanalysis





BCPdrill











Departmentalbusiness

impactanalysis

















DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Appendix    



104 FACTBook

110 GRIIndex

112 TCFDIndex

 SASBIndex

113 ICFROperatingStatusReportoftheCEOandtheInternalAccountingManager

114 IndependentAuditor’sReport

116 GHGEmissionsVericationStatement

117 IndependentAssuranceStatement



DB Insurance INTEGRATED REPORT 2025

Economy Environment Social Governance    





Indicators Subcategory Unit 2022 2023 2024

DBInsurance

keystatistics





Totalassets    

Totalcapital  

Netpremiumswritten    

Pre-taxprot  

Salesorganizations*IncludingcrossPAs    

No.ofcustomers    

Summaryof

income

statement



Directpremiumswritten    

Netpremiumswritten    

Earnedpremiums    

Loss    

Lossratio   

Netoperatingexpenses    

Expenseratio   

Insuranceoperatingprot    

Investmentoperatingprot    

Totaloperatingprot    

Non-operating/specialgainsandlosses    

Netprot    

Margin   

Netdened

benet

liabilities

Presentvalueofdenedbenetobligation    

Fairvalueofplanassets    

Netdenedbenetliabilities    

Summaryof

balancesheet



Operatingassets    

Assetoperationrate   

Non-operatingassets    

Specialaccountassets    

Totalliabilities    

Paid-incapital    

Totalequity    

Totalassets    

Creditrating Standard&Poor's   

A.M.Best(Financialsoundness)   

Indicators Subcategory Unit 2022 2023 2024

Corporatetax

Pre-taxprot    

Nominaltaxamount    

Nominaltaxrate   

Paidtaxamount    

Paidtaxrate   

Corporate

taxpayment

Domestic

Directpremiumswritten    

Pre-taxprot    

Amountpaidastax    

Domestictaxreductionduetooverseas

taxpayment    

Corporate

taxpayment

Overseas

Directpremiumswritten    

Pre-taxprot    

Amountpaidastax    

Domestictaxreductionduetooverseas

taxpayment   

Corporate

taxpayment

U.S.Branch

Directpremiumswritten    

Pre-taxprot    

Amountpaidastax    

Domestictaxreductionduetooverseas

taxpayment   

Corporate

taxpayment

Guam

Directpremiumswritten    

Pre-taxprot    

Amountpaidastax    

Domestictaxreductionduetooverseas

taxpayment    











DB Insurance INTEGRATED REPORT 2025





Indicators Subcategory Unit 2022 2023 2024

Classof

sharesand

votingrights

Total    

Preferredstock  

Commonstock(Votingshares)    

Commonstock(Treasuryshares)    

Ownershipof

shareholders

withover5%

NationalPensionService

(No.ofsharesowned)    

Others(No.ofsharesowned)2)    

NationalPensionService(Ownership)   

Others(Ownership)2)   

Economic

value

distribution

Shareholders(Dividends)    

Partners(Agencysalescommissions)    

Employees(Salaries)    

Employees(Welfarebenets)    

Localcommunity

(Socialcontributionamounts)    

Government(Corporatetax)    

Indicators Subcategory Unit 2022 2023 2024

ESGnancial

products

(ESG-related

loans,

insurance,

etc.)

1QSuperSimpleHealth

Insurance



  



  

2QSuperSimpleHealth

Insurance



  



  

CalmSimpleHealth

Insurance



  



  

SimpleCasualty

Insurance



  



  

SimpleFamilyLove

DementiaNursing

Insurance



  



  

SeniorIndemnity

Insurance



  



  

MotorcycleDriver

Insurance



  



  

GoodSimpleHealth

Insurance



  



  

ExcellentSimpleHealth

Insurance



  



  

CustomSimpleHealth

Insurance



  



  

NursingIndemnity



 



 

Excellent3.1.1Simple

HealthInsurance



  



  

CustomSuperMildSimple

HealthInsurance



  



  

PromyHeart(Favorableto

Low-IncomeSubscribers)

Endorsement



  



  

TracSafetyEducation

SilverPreference

Endorsement



  



  

GongduriCarInsurance



  



  









DB Insurance INTEGRATED REPORT 2025



Indicators Insurance

Type Product Unit

2022 2023 2024

No.of

Contracts

Sales

(Direct

Insurance)

No.of

Contracts

Sales

(Direct

Insurance)

No.of

Contracts

Sales

(Direct

Insurance)

Performance

ofEco-

Friendly

Insurance

Products

Car

insurance

EverGreen

Endorsement



      

Mileage-Based

Endorsement



      

SafeDrivingUBI

Endorsement



      

ElectricVehicle

Endorsement



      

Day-of-the-Week

PassengerCar

Endorsement



      

General

insurance

Environmental

LiabilityInsurance



      

Environmental

PollutionLiability

Insurance



   

Exclusive

Insurance

forLNGPower

Plants



   

PromyPublic

BicycleFull-

Coverage

Insurance



      

LiabilityInsurance

forSolarPanel

RentalBusiness

Operators



    

SolarPanel

Full-Coverage

Insurance



   

Indicators Subcategory Unit 2022 2023 2024

Water

consumption

bybusiness

site

Financialcenters 󱼺  

Dongja-dong 󱼺  

Cho-dong 󱼺  

Datacenter 󱼺  

Yeoju 󱼺  

Dongnae-gu 󱼺  

Daegu 󱼺  

Gwangju 󱼺  

Masan 󱼺  

Leased 󱼺  

Total 󱼺  

Socially

responsible

investment

Renewable

energy

Scale    

Revenue    

Rateofreturn   

Eco-friendly

power

generation

Scale    

Revenue    

Rateofreturn   

SOC

Scale    

Revenue    

Rateofreturn   

Total

Scale    

Revenue    

Rateofreturn   

Waste

generation

andrecycling

Recyclablewaste    

Landll    

Totalwastegenerated    





DB Insurance INTEGRATED REPORT 2025





Indicators Subcategory Unit 2022 2023 2024

Employees1)

Executives    

Employees    

Total1)    

Generalmanager(senior

manager)

Male    

Female    

Deputygeneralmanager/

manager(seniormanager)

Male    

Female    

Assistantmanager/

intermediate/

associate(senior/manager)

Male    

Female    

Male    

Female    

Total    

Employmentstatus2)

Collegegraduates    

Experiencedemployees    

Ocefemaleemployees    

Total    

Femaleworker

employmentstatus No.offemalehires    

Education

hours3)

Totaleducationhours    

All    

Educationhoursperperson Male    

Female    

Educationexpenses Totaleducationexpenses    

Educationexpensesperperson    

Keyeducation

achievements

No.ofcerticationholders    

No.ofinsuranceagentcerticationholders    

Insuranceagent

certicationholdingrate   





















Indicators Subcategory Unit 2022 2023 2024

No.ofstudygroup

participants    

SatisfactionforESI

employee

educationandtraining

  

No.ofemployeeswho

establishedself-

diagnosisand

developmentplans3)

   

Productivityperperson    

Welfareexpenses Totalwelfareexpenses    

Welfareexpensesperperson    

Employeeswith

parentalleave

No.ofemployeeseligibleforparentalleave    

No.ofemployeeswhotook(taking)

parentalleave    

Rateofreturntowork

afterparentalleave1)

Male    

Female    

Retirement Turnoverrate2)   

Voluntaryturnoverrate3)   

Ethicscompliance

pledge

No.ofemployeeswhosignedethics

compliancepledge    

No.ofemployeesrequiredtosignethics

compliancepledge    

Ethicalmanagement

education

Educationhours    

No.ofemployeesrequiredtotakeethics

education    

No.ofemployeeswhocompletedethics

education    

Occupational

accidents

Occupationalaccidentrate   

Absencedaysduetooccupationalaccidents   

Workingdays

*Excluding weekends, public holidays, and temporary

holidays

   



DB Insurance INTEGRATED REPORT 2025







Category No.ofCourses No.ofParticipants YoYComparison

Individuals   

Strategy   

NewBusiness   

Corporations   

Claims   

Asset  

Overseas 

Management/Customer  

Total   

Indicators Subcategory Unit 2022 2023 2024

Customer

complaints

No.ofcustomercomplaintsreceived    

No.ofcomplaintsresolvedamong

thosereceived    

Resolutionrate   

No.ofcomplaintsledthroughtheFinancial

SupervisoryService    

No.ofinsuranceclaimcomplaintsreceived    

Customer

satisfaction

Customersatisfactionscore    

Customersatisfactionperformance 































Consumer

Evaluation

Panel

No.ofConsumerEvaluationPanelmembers    

ImprovementsuggestionsbytheConsumer

EvaluationPanel    

No.ofimprovementsuggestionsadopted

fromtheConsumerEvaluationPanel    

Adoptionrateofimprovementsuggestions

fromtheConsumerEvaluationPanel   

VOC

management

Responseratewithin1hour   

Resolutionratewithin24hours   

VOCcallbackrate   

Indicators Subcategory Unit 2022 2023 2024

Self-monitoring

ofinsurance

fraud

Completesalesrate   

Sanctionsappliedfollowinganinternal

inspectionofincompletesales    

Fieldinspection(individuals)







  



   

Fieldinspection(telemarketers)







  



   

CustomersatisfactionsurveyDSCI

KS-SQIpreliminarysurvey  











Insurancefraud

detected



   

Business

partnerdata

PAs    

Crossagents    

Individualagencies    

GAs    

Bancassurance    

Emergencyassistancenetworkfor

vehiclebreakdown    

On-siteassistancenetworkforroad

tracaccidents    

Carrepairshopnetwork    

Accidentinvestigatorsandloss

adjusters  

FamilySatisfactionIndex(Sales

partnersatisfactionsurvey)    

Emergencydispatchservice

satisfaction    

No.ofentriesperpartner    

BlueRibboncertied

PAs    



DB Insurance INTEGRATED REPORT 2025





Indicators Subcategory Unit 2022 2023 2024

Board

composition

Male  

Female  

Under30    

30–50    

Over50  

Executives    

Totaloutside(independent)directors  

Non-executivedirectors    

No.ofoutside(non-executive)directors

withindustryexperience  

No.ofoutsidedirectorsspecializedinrisk

management  

Poolofoutside

directorcandidates

PoolofCEOcandidates    

Poolofcandidates    

Poolofoutside

directorcandidates

[bydomain]

Publicsector(female)  

Publicsector(male)    

Finance(female)  

Finance(male)    

Academia(female)    

Academia(male)    

Law(female)    

Law(male)  

IT(female)  

IT(male)  

Medicine(female)    

Medicine(male)  

Indicators Subcategory Unit 2022 2023 2024

Boardstatus

Totalno.ofcriticalconcernsreported    

No.ofmeetingsheld   

Averageattendancerate   

No.ofagendaitems    

Stocksheldby

CEOandexecutives

No.ofsharesheldbyCEOandChairperson  

Averageno.ofsharesheldbyexecutives

excludingCEO1)   

CEO-to-employee

remunerationratio

Medianemployeeremuneration(amount)    

Averageemployeeremuneration(amount)    

TotalremunerationoftheCEOand

Chairperson    

Medianemployeeremunerationexcluding

CEO(amount)    

Averageemployeeremunerationexcluding

CEO(amount)    

RatioofCEO'sannualtotalremuneration

tomedianemployeeremunerationofall

employees

excludingCEO

   

RatioofCEO'sannualtotalremuneration

toaverageemployeeremunerationofall

employeesexcludingCEO

   

ComplianceIndex ComplianceIndex    

Reportsrelatedto

ethical

management

Service(product)complaints    

Employeecorruption/misconduct    

Partnercomplaints    

Others*

Therespectivecategoryisprovidedinthe

remarkscolumn

   

Legalriskreviews

Total    

Headquartersinquiries    

SalesDivision    

ClaimsDivision    











DB Insurance INTEGRATED REPORT 2025



Topic Index Description Page

GRI2:

GeneralDisclosures

2021

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

  

Topic Index Description Page

GRI3:

MaterialTopics2021

  

  

  

Topic Index Description Page

GRI201:

EconomicPerformance

2016

  

  

  

GRI203:

IndirectEconomic

Impacts2016

  

  

GRI205:

Anti-corruption2016

  

  

  

GRI206:

Anti-competitive

Behavior2016

  

GRI207:

Tax2016

 

 

 

  





DB Insurance INTEGRATED REPORT 2025

Topic Index Description Page

GRI302:

Energy2016

  

  

  

  

 













GRI303:

WaterandEuents

2016

  

  

GRI304:

Biodiversity2016   

GRI305:

Emissions2016

  

  

  

  

  

 











 











GRI306:

Waste2020

  

  

  

  

  

Topic Index Description Page

GRI401:

Employment2016

  

 

 

  

GRI402:

Labor/Management

Relations2016

  

GRI403:

OccupationalHealth

andSafety2018

  

  

  

 

 

  

  

 

 

  

  

  

GRI404:

TrainingandEducation

2016

  

  

 

 

GRI405:

DiversityandEqual

Opportunity2016

  

GRI406:

Non-discrimination

2016

  

GRI413:

LocalCommunities

2016

 

 

 













GRI417:

MarketingandLabeling

2016

  







  

GRI418:

CustomerPrivacy2016  

 

 





DB Insurance INTEGRATED REPORT 2025

 

Topic Disclosure Page

Governance

 



 

Strategy



 



 



 

RiskManagement











MetricsandTargets



 

 



 

Topic Disclosure Page

FN-IN-000.A 

 

FN-IN-270a.1

(FN-AC-270a.2)









FN-IN-270a.2  

FN-IN-270a.3  

FN-IN-270a.4

(FN-AC-270a.3)  

FN-IN-410a.2

(FN-AC-410a.2,

FN-IB-410a.3)



 

FN-IN-410b.1  

FN-IN-410b.2 

 

FN-IN-450a.1 

 

FN-IN-450a.2









FN-IN-450a.3









FN-IN-550a.1











FN-IN-550a.2  

FN-IN-550a.3 

 



DB Insurance INTEGRATED REPORT 2025









































DB Insurance INTEGRATED REPORT 2025

















































































































DB Insurance INTEGRATED REPORT 2025













































 

 

 

 



 

 



 

















 

 







































 





DB Insurance INTEGRATED REPORT 2025



Jun 05th, 2025

Authorized By

(

“

”

)

(

“

”

)

DB INSURANCE CO., LTD

Verification of places of business and emission facilities under the control

of DB INSURANCE CO., LTD

SCOPE

STANDARDS

※ N o te : Total and itemized emissions may differ due to rounding

CEO Eun Ju, Hwang

GHG emissions & Energy consumption

KMR-VCV-25-091

•ISO 14064-1:2018, ISO 14064-3:2019

•IPCC Guidelines for National Greenhouse Gas Inventories (2006)

•Operational guidelines for reporting and certification of the Greenhouse Gas emissions trading scheme

(Ministry of Environment, 2025-64)

•WRI/WBCSD GHG Protocol (2013)

Direct emissions

(Scope 1)

Indirect emission

(Scope 2)

Other indirect emissions

(Scope3) Total (tCO2 eq)

2,366.134 25,119.615 3,699,839.933 3,727,326

Fuel Electricity Steam Total (TJ)

46.507 524.908 - 571

DB INSURANCE CO., LTD

Verification of places of business and emission facilities under the control of DB INSURANCE CO., LTD

SCOPE

The assurance was conducted by the KMR based on a risk analysis approach and data evaluation. The data and factors

applied to the calculation of GHG emissions were determined to be appropriate based on objective evidence.

PROCEDURE

KMR does not have any stake in the verified entity and does not conduct verification with biased opinions/views.

We have drawn an independent and objective verification conclusion based on the verification standards, and reviewed

the every aspect of the verification we performed throughout the entire verification process through internal review.

INDEPENDENT

(

“

”

)

(

“

”

)

LIMITATION

The verification team verified the related reports, information and data presented by the audited institution by

sampling or enumeration methods. As a result, there are many inherent limitations, and there may be disagreements

in the interpretation of appropriateness. Although we have tried to faithfully perform verification that meets the

verification standards, we suggest that errors, omissions, and false statements that could not be found may be latent

as the limitations to the verification.

KMR-VCV-25-091

OPINION

•The assurance engagement was performed to satisfy a limited assurance level, and no significant distortions

were found in the verification results

•According to KMR's approach, nothing was found that would lead to a finding that DB INSURANCE CO., LTD

failed to disclose data and information that was accurate and reliable in all material respects.

STANDARDS

•ISO 14064-1:2018, ISO 14064-3:2019

•IPCC Guidelines for National Greenhouse Gas Inventories (2006)

•Operational guidelines for emission reporting and certification of the Greenhouse Gas emissions trading scheme

(Ministry of Environment, 2024-64)

•WRI/WBCSD GHG Protocol (2013)

GHG emissions & Energy Consumption KMR-VCV-25-091

RESULTS

Based on the above assurance criteria, we did not identify any inappropriate calculations or errors for

the emissions of major emitting facilities.

※ The abovementioned company is responsible for preparing verification data in accordance with the “Guidelines for Reporting

and Certification of Emissions in the Greenhouse Gas Emissions Trading System (Ministry of Environment Notice No. 2021-278)”,

and KMR’s responsibility is limited to the party in the verification contract according to the agreed contract terms. and is not

responsible for other decisions, including investment decisions based on this verification statement.

※ The abovementioned company must comply with the use of the certification and logo marks under the contract entered into

with KMR.

Jun 05th, 2025

Authorized By

CEO Eun Ju, Hwang

※ N o te : Total and itemized emissions may differ due to rounding

NO. Scope 3 GHG emissions (tCO2 eq) Notes

6Business travel 45.368 Domestic business trip

15 Investment 3,699,794.565

PCAF_Listed equities

and sovereign bonds,

financial bonds,

corporate bonds

Total 3,699,839.933

Direct emissions

(Scope 1)

Indirect emissions

(Scope 2)

Other indirect emissions

(Scope3) Total (tCO2 eq)

2,366.134 25,119.615 3,699,839.933 3,727,326

Fuel Electricity Steam Total (TJ)

46.507 524.908 - 571



DB Insurance INTEGRATED REPORT 2025



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

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

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



































































































DB Insurance INTEGRATED REPORT 2025

























































































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



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DB Insurance INTEGRATED REPORT 2025

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DB Insurance INTEGRATED REPORT 2025 PDF Free Download

DB Insurance INTEGRATED REPORT 2025 PDF free Download. Think more deeply and widely.

Uploaded by Mario Garrett on 4/9/2026

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