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2 CONTENTS

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4 11(5)

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9 , ,125, % ,707 34,573, % ,000 24,200, % ,000 2,000, % ,557 2,511, % ,000 1,200, % , , % USD 10,000 1,800,000 90% 12 (100%) (99.52%) (100%) (100%) (100%) (100%) (100%) DGB Lao Leasing 90%

10 26,539 21,624 6, ,097 32,115 6,703 22,494 19,255 5,440 2, ,370 24,907 8, ,444 37,772 8,453 35,077 31,647 6,272 2, ,035 25,081 8, ,624 39,723 8,453 36,550 32,680 6,390 2, , , , , , , % 0.80% 0.60% 0.40% 0.20% 0.00% 3,300 3,000 2,700 2,400 2,100 1, , , ,624 2,941 2,297 2, % 8.00% 6.00% 4.00% 2.00% 0.00% 0.58% 0.61% 0.55% 8.16% 8.85% 7.95%

11 2,806 2,489 2,502 2,618 2, , , , , , , , , , , , , , , ,838 24,579 29,201 31,172 34,756 36,201 6,606 6,606 6,606 6,806 6, % 15.21% 13.21% 13.54% 14.33% 1.04% 1.04% 1.16% 1.23% 1.19% 0.82% 0.64% 0.59% 0.36% 0.58% 11.81% 8.75% 7.84% 4.81% 7.31% 600, , , , , , , , , , , , , , , , , , , , ,000 0

12 2,806 2, ,500 3,000 2,500 2,000 1,500 1, ,502 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5, ,579 29,201 31, ,618 2,650 34,756 36,201

13 0.8% 4.8% 4.2% 5.3% 7.9% 16.4% 11.9% 73.8% 74.9% 457, , % 24.0% 9.9% 60.6% 3.3% 25.0% 14.8% 8.3% 22.0% 23.8% 2.8% 24,732 22,082

14 49,428 1, % 16.37% 164.0% 53,347 2,856 1, % 8.47% 202.2% 7.93% 76.39% % 0.92%p 24.84%p 38.2%p 55,751 2,766 1, % 5.30% 164.1% 4.51% 3.13% 34.88% 21.47% 0.10%p 3.17%p 38.1%p 60,000 58,000 56,000 54,000 52,000 50,000 48,000 46, ,428 53,347 55,

15 21,000 18,000 15,000 12,000 9,000 6,000 3, ,583 8,935 12,583 12,204 18,511 17, ,583 8,935 8,317 1,266 1, % 0.94% 1.08% 6.72% 54 12,583 12,204 10,305 2,278 1, % 1.57% 0.50% 2.45% 36.47% 31.31% 36.59% 23.90% 79.94% 9.01% 0.37%p 0.63%p 0.58%p 4.27%p ,511 17,981 16,133 2,378 1, % 1.66% 0.77% 5.07% % 47.11% 47.34% 56.56% 4.39% 0.00% 0.62%p 0.09%p 0.27%p 2.62%p

16 144 48, % 18.30% , % 14.70% 14.58% 32.58% 15.79% 0.00% 16.44% 4.55% 3.50%p 3.60%p , % 14.80% 11.52% 13.33% 11.69% 0.00% 15.29% 14.29% 0.20%p 0.10%p ,000 70,000 60,000 50,000 40,000 30,000 20,000 10, ,576 64,400 72,

17 40,003 14,226 12,557 15,964 10,074 5,890 3, % 36,812 11,810 12,557 12,457 11,300 1, , % 8.0% 17.0% 0.0% 22.0% 12.2% 80.4% 106.5% 16.1%p 35,230 10,902 12,557 13,337 12,129 1, % 4.3% 7.7% 0.0% 7.1% 7.3% 4.4% 1.6% 62.4% 10.6%p 7,536 6,907 6,000 3,179 3, % 8,332 7,636 6,000 5,567 4, % 10.6% 10.6% 0.0% 75.1% 58.7% 686.7% 53.8% 43.8% 1.9%p 9,601 8,570 6,000 8,504 7,185 1,319 1, % 15.2% 12.2% 0.0% 52.8% 46.2% 102.0% 21.1% 28.1% 1.4%p 4,760 4,546 3,000 2, % 4,691 4,537 3,000 1, % 1.4% 0.2% 0.0% 19.2% 114.8% 102.9% 7.4%p 4,744 4,481 3,000 1, % 1.1% 1.2% 0.0% 14.6% 29.3% 522.2% 1.0%p

18 (Statement of Financial Position) ( : /Unit : Won) (Description) (Assets) (Cash and Due from Banks) 19,447,134,517 9,392,760,399 5,233,191,033 (Loans and Receivables) 353,818,768, ,199,976, ,504,246,058 (Investments in Associates) 2,727,872,878,712 2,690,886,238,590 2,220,886,238,590 (Tangible Assets) 223,203,452 67,021, ,239,664 (Intangible Assets) 1,307,288, ,082, ,591,117 (Deferred Income Tax Assets) 826,934, ,181, ,217,940 (Other Assets) 13,626, ,810,836 7,149,550,789 (Total Assets) 3,103,509,834,298 3,036,968,071,921 2,653,864,275,191 (Liabilities) (Borrowings and Bonds Payable) 559,255,297, ,130,206, ,134,310,150 (Retirement Payment Liabilities) 180,822,393 9,168, ,981,739 (Other Liabilities) 36,004,538,028 27,127,596,293 22,143,281,404 (Total Liabilities) 595,440,657, ,266,971, ,469,573,293 (Stockholders Equity) (Capital Stock) 845,265,770, ,265,770, ,265,770,000 (Capital surplus) 1,560,191,413,160 1,560,191,413,160 1,421,835,315,080 (Retained Earnings) 103,499,687,992 85,722,390,917 70,675,540,558 (Accumulated Other Comprehensive Income,Net of Taxes) (887,694,753) (478,473,506) (381,923,740) (Total Stockholders Equity) 2,508,069,176,399 2,490,701,100,571 2,162,394,701,898 (Total Liabilities and Stockholders Equity) 3,103,509,834,298 3,036,968,071,921 2,653,864,275,191

19 (Statement of Comprehensive Income) ( : /Unit : Won) (Description) (Net Interest Income(Loss)) (9,198,416,393) (7,368,710,417) (3,793,824,004) (Interest Income) 8,171,352,188 9,894,172,905 12,749,309,107 (Interest Expense) 17,369,768,581 17,262,883,322 16,543,133,111 (Net Fee and Commission Income(Loss)) (2,080,946,912) (1,014,384,985) (2,764,339,102) (Fee and Commission Income) 22,000,000 22,000,000 20,000,000 (Commission Expense) 2,102,946,912 1,036,384,985 2,784,339,102 (Receipt of Dividends) 84,881,500,000 78,045,000,000 63,980,750,000 (Impairment Loss on Financial Assets) (44,501,559) (311,534,836) 144,689,291 (General and Administrative Expenses) 10,582,506,369 11,654,586,320 8,194,226,384 (Net Other Operating Income(Loss)) 2,000,000,000 (Operating Income) 65,064,131,885 58,318,853,114 49,083,671,219 (NonOperating Income(loss)) (204,055,899) (299,132,335) (509,869,424) (Income Before Income Tax Expense) 64,860,075,986 58,019,720,779 48,573,801,795 (Income Tax Expense(Income)) (252,104,209) 75,861,140 7,504,829 (Net Income) 65,112,180,195 57,943,859,639 48,566,296,966 (Other Comprehensive Income(loss)) (409,221,247) (96,549,766) (74,548,074) (Total Comprehensive Income) 64,702,958,948 57,847,309,873 48,491,748,892 (Earnings per Share)

20 (Statement of Appropriation of Retained Earnings) ( : /Unit : Won) (Description) (Retained Earning Before Appropriations) 74,721,687,992 64,627,390,917 54,530,330,764 (Unappropriated Retained Earnings from Beginning Year) 9,609,507,797 6,683,531,278 5,964,033,798 (Increase through changes in accounting policies) (Net Income) 65,112,180,195 57,943,859,639 48,566,296,966 (Transfer from voluntary Reserves) 112,000,000 (Regulatory Reserves for Credit Loss) 112,000,000 (Appropriations of Retained Reserves) 57,365,946,200 55,129,883,120 47,846,799,486 (Legal Reserve) 6,512,000,000 5,795,000,000 4,857,120,226 (Regulatory Reserves for Credit Loss) 138,000,000 92,669,980 (Dividends) 50,715,946,200 47,334,883,120 42,897,009,280 (Indemnity Reserve) 2,000,000,000 (Unappropriated Retained Earnings to Subsequent Year) 17,355,741,792 9,609,507,797 6,683,531,278

21 (Statement of Changes in Stockholders Equity) ( : /Unit : Won) (Description) (Balance at the Beginning of FY2015) (Capital Stock) 670,265,770,000 (Capital Surplus) 1,421,835,315,080 (Accumulated Other Comprehensive Income,Net of Taxes) (381,923,740) (Retained Earnings) 70,675,540,558 (Total) 2,162,394,701,898 (Increase paid in capital and capital surplus) 175,000,000, ,356,098, ,356,098,080 (Dividends) (42,897,009,280) (42,897,009,280) (Net Income) 57,943,859,639 57,943,859,639 (Remeasurement of defined benefit plan) (96,549,766) (96,549,766) (Balance at the End of FY2015) 845,265,770,000 1,560,191,413,160 (478,473,506) 85,722,390,917 2,490,701,100,571 (Balance at the Beginning of FY2016) 845,265,770,000 1,560,191,413,160 (478,473,506) 85,722,390,917 2,490,701,100,571 (Dividends) (47,334,883,120) (47,334,883,120) (Net Income) 65,112,180,195 65,112,180,195 (Remeasurement of defined benefit plan) (409,221,247) (409,221,247) (Balance at the End of FY2016) 845,265,770,000 1,560,191,413,160 (887,694,753) 103,499,687,992 2,508,069,176,399

22 (Cash Flow Statement) ( : /Unit : Won) (Description) (Cash Flows from Operating Activities) (Net Income) (Adjustment of Revenues & Expenses not Involving Cash Flows) (Income Tax Expense) (Interest Expense) (Retirement Benefit) (Depreciation) (Loss on disposal of Property & Equipment) (Amortization) (Provisions for Others) (Provision for loan losses) (Interest income) (Dividend income) (Change in Assets and Liabilities) (Decrease(Increase) in Cash and Deposits) (Decrease(Increase) in Loans & Receivables) (Decrease in Receivables) (Increase in Prepaid Expenses) (Decrease (Increase) in Advance Payments) (Decrease in Other Payables) (Increase(Decrease) in Accrued Expenses) (Increase in Longterm Accrued Expenses) (Increase(Decrease) in Withholding Taxes) (Increase (Increase) in Value Added Tax Withheld) (Increase in Withholdings) (Payment for Retirement and Severance Benefit) (Increase in plan assets) (Increase (Increase) in other liabilities) (Cash Outflows from Interest) (Interest income) (Cash Inflows from Dividends) 50,263,304,160 65,112,180,195 (77,046,394,194) (252,104,209) 17,369,768, ,248,016 44,708,417 3,657, ,681,574 (2,000,000,000) (44,501,559) (8,171,352,188) (84,881,500,000) (6,219,365,354) (5,000,000,000) (142,538) 5,299,000 (285,703,936) (181,083,750) 133,139,302 29,443,440 (7,249,998) 9,034,570 (274,734,782) (663,729,075) 16,362,413 (17,818,183,200) 8,190,066,713 78,045,000, ,470,708,566 57,943,859,639 (68,259,436,450) 75,861,140 17,262,883, ,955,840 85,717, ,853,868 2,000,000,000 (311,534,836) (9,894,172,905) (78,045,000,000) 99,973,777, ,000,000, ,461,537 (7,331,247) (5,245,000) (56,843,989) 311,377, ,210,066 (23,547,890) 7,449,998 2,496,310 (487,143,426) (276,000,000) 893,625 (16,848,000,000) 10,679,757,879 63,980,750,000

23 ( : /Unit : Won) (Description) (Cash Flows from Investing Activities) (Purchase of Property & Equipment) (Purchase of Intangible Assets) (Increase(Decrease) in Deposits Provided) (Purchase of associates investments) (Cash Flows from Financing Activities) (Issuance of Debentures) (Repayments of Bonds) (Increase paid in capital and capital surplus) (Additional acquisition of investments in subsidiaries) (Dividends paid) (Increase(Decrease) in Cash and Cash Equivalents) (Cash and Cash Equivalents at Beginning of Period) (Cash and Cash Equivalents at End of Period) (34,886,280,152) (204,547,800) (662,859,000) (20,000,000) (33,998,873,352) (10,322,649,890) 110,000,000,000 (70,000,000,000) (2,987,766,770) (47,334,883,120) 5,054,374,118 9,392,760,399 14,447,134,517 (63,518,926,200) (19,498,700) (604,427,500) 105,000,000 (63,000,000,000) (79,792,213,000) 149,605,300,000 (100,000,000,000) 313,499,496,280 (400,000,000,000) (42,897,009,280) 4,159,569,366 5,233,191,033 9,392,760,399 (Notes to Financial Statements)

24 (Consolidated Statement of Financial Position) ( : /Unit : Won) (Description) (Assets) (Cash and Due from Banks) 2,547,299,459,936 2,092,476,885,143 1,760,231,021,350 (Financial Assets Held for Trading) 402,481,702, ,159,288, ,993,410,444 (Financial Assets Designated at Fair Value Through Profit and Loss) 82,254,804, ,860,595, ,011,544,270 (AvailableforSale Financial Assets) 4,199,693,774,903 4,065,488,994,752 2,424,301,143,165 (HeldtoMaturity Financial Assets) 7,890,514,734,882 7,618,459,361,224 4,519,990,342,202 (Loans and Receivables) 37,454,618,596,565 36,052,597,094,055 31,304,108,911,166 (Derivative AssetsHedge Accounting) 95,042,202 50,004,140 16,641,259,347 (Investments in Associates) 402,850, ,786, ,477,056 (Tangible Assets) 428,986,982, ,671,513, ,023,521,860 (Investments Property) 99,615,294, ,634,921,782 82,001,838,991 (Intangible Assets) 133,096,931, ,221,332,855 90,628,555,881 (Deferred Income Tax Assets) 25,990,970,956 19,520,292,084 (Other Assets) 197,349,386, ,852,455,330 41,318,899,590 (Total Assets) 53,462,400,532,585 51,144,445,526,564 41,009,706,925,322 (Liabilities) (Depository Liabilities) 35,385,468,928,335 33,493,377,279,077 30,747,014,988,939 (Financial Liabilities Held for Trading) 125,974,538,697 33,519,884,416 38,345,421,390 (Financial LiabilitiesHedge Accounting) 12,518,165,684 3,148,566,060 5,583,626,862 (Borrowings) 3,174,782,213,857 3,329,393,491,396 2,796,583,764,853 (Bonds Payable) 4,107,517,392,210 3,145,916,976,851 2,849,391,479,941 (Retirement Payment Liabilities) 8,773,132,020 18,075,426,913 20,789,694,666 (Liability Reserve) 28,860,991,737 36,764,708,103 38,615,772,009 (Deferred Income Tax Liabilities) 47,024,144,620 (Insurance contract liability) 5,121,199,877,843 4,940,470,355,639 (Other Liabilities) 1,524,972,407,846 2,366,627,476,510 1,254,808,258,723 (Total Liabilities) 49,490,067,648,229 47,367,294,164,965 37,798,157,152,003 (Stockholders Equity) (Capital Stock) 845,265,770, ,265,770, ,265,770,000 (Capital Surplus) 1,560,454,863,590 1,560,454,863,590 1,423,484,159,107 (Retained Earnings) 1,303,373,955,359 1,063,045,551, ,844,793,627 (Capital Adjustment) (996,675,400) (720,209,000) (Accumulated Other Comprehensive Income, Net of Taxes) (27,384,630,155) 17,869,360,513 17,110,559,585 (NonControlling Interest) 291,619,600, ,515,816, ,564,700,000 (Total Stockholders Equity) 3,972,332,884,356 3,777,151,361,599 3,211,549,773,319 (Total Liabilities and Stockholders Equity) 53,462,400,532,585 51,144,445,526,564 41,009,706,925,322

25 (Consolidated Statement of Comprehensive Income) ( : /Unit : Won) (Description) (Net Interest Income) 1,202,085,916,318 1,160,490,484,559 1,021,888,492,460 (Interest Income) 1,738,969,328,500 1,776,731,367,578 1,711,331,698,238 (Interest Expense) 536,883,412, ,240,883, ,443,205,778 (Net Fee and Commission Income) 69,647,259,187 78,071,285,111 67,117,470,502 (Fee and Commission Income) 137,750,927, ,086,254, ,141,510,450 (Commission Expense) 68,103,668,782 63,014,969,748 58,024,039,948 (Net insuarance loss ) (54,914,506,552) (27,929,553,297) (Insuarance income) 894,557,593, ,315,401,459 (Insuarance expense) 949,472,100, ,244,954,756 (Net Income on Financial Assets Held for Trading) 13,168,011,883 5,954,054,123 18,005,431,284 (Net Income on Financial Assets Designated at Fair Value Through Profit or Loss) 1,552,088,470 3,351,617,780 9,990,514,445 (Net Income on AvailableforSale Financial Assets) 74,691,256,405 75,600,327,339 31,431,545,456 (Net Income on Derivative AssetsHedge Accounting) (9,239,587,530) 650,468,187 9,030,691,721 (Impairment Loss on Financial Assets) 202,442,865, ,742,088, ,166,460,681 (Net Income(Loss) on Foreign Exchange) 4,173,799,127 (361,863,746) 2,812,387,365 (General and Administrative Expenses) 638,998,477, ,204,701, ,032,656,490 (Net Other Operating Income(Loss)) (72,793,934,658) (96,901,824,658) (88,158,691,915) (Operating Income) 386,928,959, ,978,205, ,918,724,147 (NonOperating Income(loss)) 854,950, ,367,221 (6,700,186,056) (Income Before Income Tax Expense) 387,783,910, ,410,572, ,218,538,091 (Income Tax Expense) 85,929,223,686 35,092,085,410 73,434,789,478 (Net Income) 301,854,686, ,318,487, ,783,748,613 (Net Income in Controlling Interest) 287,676,590, ,097,767, ,732,835,859 (Net Income in NonControlling Interest) 14,178,095,814 14,220,720,034 14,050,912,754 (Comprehensive Income(Loss)) (45,367,116,033) 837,690,118 20,814,833,395 (Gain(Loss) on Valuation of Availableforsale Financial Assets) (35,180,503,877) 7,090,928,310 28,048,309,978 (Gain(Loss) on Translating Foreign Operations) 1,161,973,441 1,653,504,828 3,147,555,765 (Actuarial Gains (Losses)) (11,348,585,597) (7,906,743,020) (10,381,032,348) (Total Comprehensive Income) 256,487,570, ,156,177, ,598,582,008 (Total Comprehensive Income in Controlling Interest) 242,361,120, ,856,568, ,547,669,254 (Total Comprehensive Income in NonControlling Interest) 14,126,450,227 14,299,609,224 14,050,912,754 (Earnings per Share) 1,702 1,759 1,714

26 (Consolidated Statement of Changes in Stockholders Equity) (Description) (Capital Stock) (Capital surplus) (Balance at the Beginning of FY2015) (Hybrid Bonds Dividends) (Net Income for the year) (Increase paid in capital and capital surplus) (Dividends) (Gain on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Change due to business combinations) (Others) (Balance at the End of FY2015) (Balance at the Beginning of FY2016) (Hybrid Bonds Dividends) (Net Income for the year) (Dividends) (Loss on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Change due to business combinations) (Others) (Balance at the End of FY2016) 670,265,770, ,000,000, ,265,770, ,265,770, ,265,770,000 1,423,484,159, ,356,098,080 (1,385,393,597) 1,560,454,863,590 1,560,454,863,590 1,560,454,863,590 (Capital Adjustment) (720,209,000) 720,209,000 (996,675,400) (996,675,400) (Accumulated Other Comprehensive Income, (Retained Earnings) Net of Taxes) 17,110,559,585 7,012,389,803 1,653,504,828 (7,907,093,703) 17,869,360,513 17,869,360,513 (35,066,444,686) 1,161,973,441 (11,349,519,423) (27,384,630,155) 811,844,793, ,097,767,140 (42,897,009,280) 1,063,045,551,487 1,063,045,551, ,676,590,811 (47,334,883,120) (13,303,819) 1,303,373,955,359 (NonControlling Interest) 289,564,700,000 (14,060,800,000) 14,220,720,034 78,538, , ,575,118 (93,268,333) 290,515,816, ,515,816,009 (14,060,800,000) 14,178,095,814 (114,059,191) 61,479, ,826 1,889,103,593 (850,968,867) 291,619,600,962 ( : /Unit : Won) (Total) 3,211,549,773,319 (14,060,800,000) 308,318,487, ,356,098,080 (42,897,009,280) 7,090,928,310 1,653,504,828 (7,906,743,020) 805,575,118 (758,452,930) 3,777,151,361,599 3,777,151,361,599 (14,060,800,000) 301,854,686,625 (47,334,883,120) (35,180,503,877) 1,223,453,219 (11,348,585,597) 1,889,103,593 (1,860,948,086) 3,972,332,884,356

27 (Consolidated Cash Flow Statement) ( : /Unit : Won) (Description) (Cash Flows from Operating Activities) 32,634,253, ,645,240,785 (Net Income for the year) 301,854,686, ,318,487,174 (Adjustment of Revenues & Expenses not Involving Cash Flows) (691,798,995,225) (618,616,317,575) (Income Tax Expense) 85,929,223,686 35,092,085,410 (Interest Expense) 536,883,412, ,240,883,019 (Loss on Valuation of Financial Assets Held for Trading) 2,176,034,073 3,077,155,029 (Loss on Valuation of Trading Derivative Instruments) 124,067,925,949 32,705,072,992 (Reserve for Credit RiskAdjusted of Trading Derivative Instruments) 739,437,922 (Loss on Valuation of Financial Assets Designated at Fair Value through profit or loss) 456,345,000 4,920,058,420 (Loss on Sale of Availableforsale Financial Assets) 5,259,246,517 11,061,896,026 (Impairment Loss on Availableforsale Financial Assets) 4,622,088,515 5,553,872,761 (Loss on valuation of Hedged Assets) 151,128, ,796,956 (Loss on Valuation of Hedging Derivative Instruments) 10,481,496,881 65,653,816 (Loss on transaction of Hedging Derivative Instruments) 105,098,472 2,210,897,265 (Reserve for credit risk adjustment of hedging derivative instruments) 236, ,873 (Loss from equity method investment securities) 49,936,215 3,690,148 (Provision for loan losses) 197,820,776, ,188,215,430 (Provision for others) 1,935,813,257 5,174,732,663 (Depreciation & Amortization) 59,898,647,894 69,800,250,148 (Loss on disposal of Property & Equipment) 500,808, ,857,601 (Loss on disposal of intangible assets) 750,411,207 11,680,000 (Expense on stock options) 251,860,000 2,547,641,473 (Retirement Benefit) 29,995,021,676 28,874,268,514 (Loss on Foreign Exchange) 200,805,142, ,001,061,346 (Loss on valuation of debentures) 1,103,757,014 2,457,813,431 (Other Operating Expense) 3,310,547,013 3,680,812,733 (Amotization of Deferred Acquisition expense) 18,190,212,135 5,671,349,130 (Transfer to insurance reserve) 182,782,396, ,119,632,089 (Interest Income) (1,738,969,328,500) (1,776,731,367,578) (Dividend income) (39,820,747,387) (18,132,020,093) (Gain on valuation of financial assets held for trading) (603,481,729) (856,604,474)

28 ( : /Unit : Won) (Description) (Gain on Valuation of Trading Derivative Instruments) (Reversal of reserve for credit risk adjustment of trading derivative instruments) (Gain on Valuation of Financial Assets Designated at Fair Value Through profit or loss) (Gain on Sale of Availableforsale Financial Assets) (Gain on valuation of hedged assets) (Gain on transaction of Hedging Derivative Instruments) (Gain on Valuation of Hedging Derivative Instruments) (Reversal of Reserve for Credit RiskAdjustment of Hedging Derivative Instruments) (Gain on disposal of Property & Equipment) (Gain on disposal of intangible assets) (Recovery of negative goodwill) (Recovery of Provisions) (Gain on Foreign Exchange) (Other operating income) (Gain from equity method investment securities) (Other nonoperating income) (Reversal of Expense of Stock Option) (Decrease(Increase) in Restricted Cash and Deposits) (Decrease(Increase) in Trading Securities) (Decrease in Derivative AssetsTrading) (Decrease(Increase) in financial assets designated at fair value through profit or loss) (Increase in Loans & Receivables) (Increase in Deferred Loan Origination Costs) (Increase(Decrease) in Deferred Loan Origination Fees) (Recovery of loans Writtenoff ) (Decrease(Increase) in Other Assets) (Increase in deferred acquisition costs) (Increase in separate account s asset) (Increase in Depository Liabilities) (Decrease in Trading Derivative Liabilities) (Decrease in provision for retirement benefits) (118,676,014,451) (11,530,333) (1,128,397,070) (49,351,808,580) (4,984,816) (1,347,244,166) (47,001,107) (772,727) (4,629,251,724) (204,978,941,425) (415,570,072) (80,924,527) (740,731,609,022) (431,901,778,469) (23,805,150,873) 38,408,666, ,460,870,000 (1,422,444,635,482) (36,365,090,645) 8,524,830,330 45,438,536, ,077,461 (50,519,047,770) (18,823,047,998) 1,817,976,718,946 (30,924,311,519) (7,764,011,374) (40,020,032,753) (117,038,772) (1,575,676,200) (75,427,201,602) (58,209,262) (2,788,135,787) (139,169,354) (74,947,969) (81,757,500) (1,601,849,554) (5,075,691,953) (122,639,197,600) (200,612,472) (50,466,925) (768,241,748,080) 289,249,845,508 6,176,240,068 34,769,599,866 (47,120,378,800) (4,645,188,312,456) (49,349,977,057) 6,140,923,690 37,870,301,432 (19,206,094,925) (35,354,624,588) (14,537,975,997) 2,772,228,987,630 (34,030,800,468) (4,315,732,867)

29 ( : /Unit : Won) (Description) (Increase in Plan Assets) (46,532,390,901) (39,806,109,771) (Increase(Decrease) in Other Liabilities) (779,518,836,236) 959,930,296,865 (Increase in separate account s liability) 19,932,992,532 14,302,063,790 (Cash Outflows from Interest) (531,179,821,484) (578,949,493,318) (Cash Inflows from Interest) 1,716,140,642,761 1,821,285,803,739 (Cash Inflows from Dividends) 39,820,747,387 18,132,020,093 (Cash Outflows from Income Tax Expense) (61,471,397,084) (81,283,511,248) (Increase(Decrease) in Other Liabilities) (545,428,094,038) (915,581,424,327) (Acquisition of Availableforsale Financial Assets) (7,027,946,798,361) (7,367,690,403,325) (Proceeds from disposition of Availableforsale Financial Assets) 6,507,986,357,338 6,756,757,347,923 (Acquisition of Heldtomaturity Financial Assets) (1,042,659,868,304) (2,014,079,843,835) (Proceeds from disposition of Heldtomaturity Financial Assets) 1,172,190,655,050 1,865,335,783,177 (Purchase of Property & Equipment) (92,637,527,910) (65,464,877,786) (Disposal of Property & Equipment) 16,282,079, ,037,506 (Purchase of Investment Property) (1,064,887,266) (1,729,197,297) (Acquisition of investments in subsidiaries) (33,998,873,352) (63,000,000,000) (Purchase of Intangible Assets) (41,428,939,444) (41,103,360,120) (Proceeds from disposition of Intangible Assets) 1,085,672, ,557,500 (Decrease(Increase) in Guarantee Deposits) (3,118,630,509) (536,928,810) (Decrease in Hedging Derivative assets) 14,604,955,656 (Increase(Decrease) in Hedging Derivative liabilities) (117,333,302) 202,505,084 (Cash Flows from Financing Activities) 525,287,830,671 1,103,062,536,196 (Increase in Borrowings) (240,059,208,842) 570,308,386,571 (Issuance of Debentures) 1,339,787,879, ,654,931,420 (Repayment of Debentures) (391,319,903,456) (563,587,699,266) (Increase(Decrease) in Deposits for Letter of Guarantees) 6,556,208,654 17,398,400,694 (Decrease in Borrowings from Trust Accounts) (39,213,470,384) (45,393,891,422) (Increase in fund for borrowing) 40,977, ,160,140 (Increase(Decrease) in Foreign Exchange Settlement Credit) 6,009,835,775 (2,679,327,546) (Increase(Decrease) in Domestic Exchange Settlement Credit) (93,257,856,960) 92,596,739,735 (Increase paid in capital and capital surplus) 313,356,098,080

30 ( : /Unit : Won) (Description) (Surbordinate firms s paidin capital increase expense) (758,452,930) (Dividends paid) (47,334,883,120) (42,897,009,280) (Hybrid bond distribution paid) (14,060,800,000) (14,060,800,000) (Decrease in NonControlling Interest) (1,860,948,086) (Increase(Decrease) in Cash and Cash Equivalents) 12,493,990, ,126,352,654 (Cash and Cash Equivalents at Beginning of Year) 909,741,676, ,064,219,493 (Effect of Exchange Rate in Cash and Cash Equivalents) 134,090,625 8,334,830,999 (Increase in cash & cash equivalent due to the change of consolidated entity) 7,836,610,216 42,216,272,901 (Cash and Cash Equivalents at End of Year) 930,206,367, ,741,676,047 (Notes to Consolidated Financial Statements)

31 138, % 300, % 134, % 122, % 29, % 20, % 180, % 52, % 48, % 96, % 9,988, % % 279, % 1,965, % 7,782, % 297, % 60, % % 103, % % % % 17, % % 660, % % 93, % 96, % 60, %

32 , % 100, , % 100, , % 50, , % 50, , % 100, , % 50, , % 50, , % 60,

33 169,053, , % ,053, , ,000, , , ,986, ,755, THE OAKMARK INTERNATIONAL SMALL CAP FUND 7,636, ,488, NORGES BANK 2,552,

34

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www.dgbfg.co.kr _Contents 1. 2. 3. 4. 5. 6. 7. 8. 4 27 37 55 73 111 120 149 2 2016 DGB Financial Group Report 2016 DGB Financial Group Report 3 2016 DGB Financial Group Report 5 2010. 12 2010. 12 2011.

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www.dgbfg.co.kr _Contents 1. 2. 3. 4. 5. 6. 7. 8. 4 24 38 54 71 95 104 133 2 2015 DGB Financial Group Report 2015 DGB Financial Group Report 3 2015 DGB Financial Group Report 5 2010. 12 2010. 12 2011.

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