2002.9월작업.doc

2002

[ ] 1...... 1 2.. 2 3.. 3 4. /.. 4 5...... 5 6.. 6 7.. 7 8.. 8 9.... 9 10..... 10 11. 10 12. 11

.,, CI,. Moody s, S&P, Fitch, The Banker 3., 247,620 2138,405, 179,653 1684,656, 197,006 1267,306. 22,657, 3,721 1 3,103. Multi-Specialist,,,... 2003 321 1

/ / Global Standard IT / 2

3 Horizon 1 Horizon 2 Horizon 3

2001. 11. 1 ( ), 2001. 11. 9 2002. 4. 8 Moody s A3 2002. 5. 6 2002. 5. 11 500 (Financial Times) 2002. 6. 19 2002. 7. 2, 2002. 7. 17 (Euromoney ) 2002. 7. 18 68 (The Banker ) 2002. 8. 30 200 2002. 9. 4 3 (The Banker ) 2002. 9. 22 2002. 10. 1 CI 2002. 10. 29, M&A (Finance Asia ) 2002. 11. 15 (SOHO) 2002. 11. 21 GOLD & WISEPB 2002. 12. 2 Lotto 6/45 2002. 12. 4 ING 4

(2003. 2. 5 ) 14, 63, 16, 2 PB, 8, 11, 2, 7 NPL, 1,194 5

(20021231 ) 1,129 62-1,191 3 - - 3 1,132 62-1,194 ) 1. 2002 2001 C D 2,748 4,468 A T M 6,102 4,137 896 930 9,746 9,535 ( : ) ( : ) 2002 2001 3 8 8 19 10,111 8,683 7,878 10,005 329 403 18,329 19,118 14 32 30 44 18,373 19,194 ) ( ) 6

(2003 321 ) Donald H. MacKenzie Richard E. Lint ( ) Mercer Human Resource Consulting ING Bernard S. Black Stanford Law School 7

(2002 12 31 ) ( :,, %) 87. 9.25 366,000 54,365,028 74.27 KB 96.12. 3 80,000 15,999,930 99.99 90. 3.27 ( 98.12.31) 88. 4.27 ( 92.12.8) 44,759 8,941,587 99.89 38,338 6,134,040 80.00 97. 3.18 20,000 3,999,200 99.98 91. 9. 6 8,000 799,800 99.98 KB 99.10. 9 6,262 867,716 69.28 Kookmin Bank Luxembourg. S.A. Kookmin Bank Int l Limited Kookmin Finance HongKong Limited Luxembourg 91.10.18 EUR17.5 70,000 100.00 London 91.11. 1 ( 99.1.2) Hong Kong 95. 7.20 ( 98.11.27) GBP2020,000,000 100.00 USD202,000,000 100.00 ) 1. 20011231 2002627. 2. 2002610. 3. 2002916 KB. 4. KM 200252, KB. 5. 20021227. 6. Kookmin Finance Asia Ltd. (HK) 20021231. 7. Kookmin Leasing & Finance. 8. ( ). 8

(2002 12 31 ) ( :,, %) 91. 9. 9 ( 00. 1.11) 70,000 1,400,000 20.00 93. 3.13 10,000 1,999,910 99.99 99. 9.21 106,300 6,000,000 28.22 54.4.23 ( 98.12.31) 66,675 4,854,713 36.41 94.12.5 2,095 419,049 21.14 00. 6.21 10,093 1,005,000 49.79 Kookmin Finance Asia Limited(HK) Kookmin Singapore Ltd. Hong Kong 96. 2.14 USD202,000,000 100.00 Singapore 94. 3.22 SGD3030,000,000 100.00 ) 1. 2002319. 2.. 3.,. 4.,, Kookmin Finance Asia Limited(HK), Kookmin Singapore Ltd.. 5. ( ). ( : ) 01.10.31 299,697,462 14,985 14,985 02. 3.22 17,979,954 899 15,884 6% 02.11.30 10,581,269 529 CB 16,413 9

(20021231 ) BANK OF NEW YORK, ADRs 37,728,214 11.49 30,623,761 9.33 GOLDMAN SACHS 16,831,607 5.13 ING BANK N.V. AMSTERDAM 12,716,691 3.87 7,542,778 2.30 DBLDN-Baron Securities L 4,932,361 1.50 JPMCB-EUROPAC GROWTH FD 4,777,440 1.46 MSCO-LONE CYPRSS 3,928,847 1.20 3,915,805 1.19 ) Bank of New YorkADR (20021231 ) 1 0.00 30,623,761 9.33 76 0.08 4,525,345 1.38 49 0.05 765,681 0.23 44 0.04 1,619,953 0.50 226 0.22 22,429,439 6.83 460 0.45 16,158,277 4.92 99,798 97.49 21,606,190 6.58 1,712 1.67 230,530,039 70.23 102,366 100.00 328,258,685 100.00 1.. 2.. 10

(20021231 ) 1,573 1.54 305,694,523 93.13 492 0.48 3,302,536 1.00 4,871 4.76 8,649,370 2.63 5,544 5.42 3,685,769 1.12 25,754 25.16 5,337,953 1.63 13,362 13.05 882,633 0.27 26,361 25.75 617,146 0.19 24,409 23.84 88,755 0.03 102,366 100.00 328,258,685 100.00 2002 2001 20% 6%, 2% 1,000 300, 100 4,123 3,706 24.82% 16.19% 11

( :, %, %P) 2002 2001 (A) 35,961 21,881 14,080 ( B ) 17,399 11,046 6,353 15,935 9,922 6,013 - - - 1,002 1,124 122 462-462 ( C ) 374 88 286 - - - 374 88 286 ( D ) 5,833 3,517 2,316 (A-B+C-D) 13,103 7,406 5,697 (ROA) 0.81 0.76 0.05 (ROE) 13.04 12.61 0.43 (A-B) 3.92 3.39 0.53 (A) 8.13 9.14 1.01 (B) 4.21 5.75 1.54 (NIM) 3.39 3.10 0.29 ) 1. ( ). 2. = ( - ) / 13,103. (), (), 2001 7,406 () 1 () 2 (11,12). () () 2001 1 14,863, 37,041 (ROA) 0.98%, (ROE) 18.16% 12

( :, %, %P) 2002 2001 1,321,782 1,129,195 192,587 38,214 40,147 1,933 2.89 3.56 0.67 24,309 22,372 1,937 1.86 2.03 0.17 25,091 29,545 4,454 1.90 2.62 0.72 A/B 103.46 121.23 17.77 A 23,787 22,712 1,075 B 22,991 18,735 4,256 ) 2001 2002 2001 2002 13

( : ) 2002 2001 1.9 1.8 0.1 73 72 1 1 72 72-57 47 10 56 46 10 1,211 1,335 124 1,203 1,323 120 1 946 861 85 939 840 99 1. B/S ( : ) 2002 2001 16,413 14,985 1,428 58,648 56,839 1,809 24,171 14,275 9,896 1,262 3,036 1,774 100,494 89,135 11,359 2. BIS ( :, %, %P) 2002 2001 A 144,393 117,509 26,884 B 1,387,030 1,148,492 238,538 1,366,970 1,148,492 218,478 20,060-20,060 A/B 10.41 10.23 0.18 6.62 7.09 0.47 3.79 3.18 0.61 - - - ) 20023 14

3. / ( :, %) 2002 2001 ( A ) 1,870,696 - - ( B ) 11,784 - - (B/A) 0.63% - - ) / 20023 2001 4. BIS ( : %, %P) 2002 2001 100.68 83.21 17.47 97.47 105.30 7.83 21.47 24.96 3.49 15

( : ) 2002 2001 1,215,171 1,001,906 213,265 1,209,417 990,728 218,689 5,754 11,178 5,424 432,448 493,573 61,125 309,408 334,174 24,766 123,040 159,399 36,359 1,321,782 1,129,195 192,587 1,286,787 1,093,744 193,043 34,995 35,451 456 1,384,660 1,349,010 35,650 1,231,097 1,151,613 79,484 153,563 197,397 43,834 2,138,405 1,890,785 247,620 30,916 29,222 1,694 ) 1. : (,,,, )+ + + 2. : 3. :, CP,, 4. : (, )+ ( )+ 5. : 16

3 Moody's S & P FITCH 1999. 2.24 Ba1 NP BB B - - - - 2000. 7.24 Baa3 P3 BB B - - - - 2000.10.20 Baa3 P3 BB+ B - - - - 2001. 5.14 Baa3 P3 BB+ B BBB - - - 2001. 11.8 Baa2 P3 BB+ B BBB - - - 2002. 1.17 Baa2 P3 BBB- A3 BBB - - - 2002. 4. 8 A3 P2 BBB- A3 BBB 2002. 5. 2 A3 P2 BBB A2 BBB 2002. 9.11 A3 P2 BBB A2 A- 2002. 9.25 A3 P2 BBB+ A2 A- ) 1. 2001.11.8 () 17

( ) 2: 20021231 ( : ) 2 2 4,599,356 123,109,653 5,676,973 10,690,754 25,263,777 17,539,007 126,730,561 10,110,031 3,092,616 161,449,445 6,135,558 1,641,293 5,864,752 2,417,102 126,249 10,049,396 171,498,841 171,498,841 ( ) 2: 200211 1231 ( : ) 2 2. 15,584,501. 2,265,765 1. 10,989,058. 525,280 2. 1,345,669. 897,427 3. 3,249,774. 1,893,618. 13,318,736. 1,893,618 1. 6,075,192. 583,327 2. 330,385 3. 4,361,733 4. 2,551,426. 1,310,291 18

( ) 2: 20021231 ( : ) 2 2 236 15,356,285 15,001,019 26,852,684 575,412 37,882-544,918 26,669,409 45,755 176 325,519 457,941 ( ) 1,771 ( ) 190,417 42,837,524 42,837,524 ) ( ) 2: 200211 1231 ( : ) 2 2 1,057,767 879,831 76,479 1,169,952 1,532 5,732 1,169,135 193,863 1,537 300,686 102,308 16,423 24,240 6,751 154,510 82,965 68,695 2,656,203 2,656,203 19

145,865 631 37,173 9.22 0.04 2.35 - - - - - - 74,637 3,532 40,659 7.81 0.37 4.25 ( :, %) 2002 2001 1,131,577 71.50 47,664 4.21 637,440 66.68 35,226 5.53 C D 21,199 1.34 1,022 4.82 20,224 2.12 1,234 6.10 45,689 2.89 2,033 4.45 37,841 3.96 1,837 4.85 10,392 0.65 418 4.02 4,039 0.42 166 4.11 142,543 9.01 9,557 6.70 91,129 9.53 6,896 7.57 1,351,400 85.39 60,694 4.49 790,673 82.71 45,359 5.74 10,965 0.69 141 1.29 9,527 1.00 293 3.08 22,698 2,932 1.43 0.19 557 48 2.45 1.64 20,185 2,232 2.11 0.23 1,105 82 5.47 3.67 10,719 0.68 383 3.57 14,308 1.50 813 5.68 231 0.01 141 61.04 151 0.02 175-47,545 3.00 1,270 2.67 46,403 4.86 2,468 5.32 1,398,945 88.39 61,964 4.43 837,076 87.57 47,827 5.71 183,669 11.61 - - 118,828 12.43 - - 1,582,614 100.00 61,964 3.92 955,904 100.00 47,827 5.00 10,419 301,804 1,051,438 ( ) 667,716 ( ) 383,722 916 7,366 16,315 57,194 4,192 ( ) 14,379 0.66 19.07 66.44 42.19 24.25 0.06 0.47 1.03 3.61 0.26 0.91 482 16,173 81,923 55,037 26,886 40 321 1,195 48 1,129-4.63 5.36 7.79 8.24 7.01 4.37 4.36 7.32 0.08 26.93-13,396 238,614 535,751 245,238 290,513 1,277 17,651 20,652 9,122 6,139 12,979 1.40 24.96 56.05 25.66 30.39 0.13 1.85 2.16 0.95 0.65 1.36 - - - 750 16,169 47,543 23,737 23,806 49 848 2,132 1,608 1,407 - - - - 5.60 6.78 8.87 9.68 8.19 3.84 4.80 10.32 17.63 - - 1,435,265 90.69 101,311 7.06 829,623 86.79 70,506 8.50 2,533 13,022 32,160 1,885 8,353 158 ( ) 2,672 0.16 0.82 2.03 0.12 0.53 0.01 0.17 34 1,039 1,091 37 394 150-1.34 7.98 3.39 1.96 4.72 94.94-1,220 10,794 38,709 1,855 10,453 1,164 2,666 0.13 1.13 4.05 0.19 1.09 0.13 0.28 40 986 2,190 77 794 285-3.28 9.13 5.66 4.15 7.60 - - 55,439 3.50 2,745 4.95 61,529 6.44 4,372 7.11 1,490,704 94.19 104,056 6.98 891,152 93.23 74,878 8.40 9,146 0.58 - - 5,305 0.55 - - 31,268 1.98 - - 14,624 1.53 - - 51,496 3.25 - - 44,823 4.69 - - 91,910 5.81 - - 64,752 6.77 - - 1,582,614 100.00 104,056 6.57 955,904 100.00 74,878 7.83 20

( :, %) 2002 2001 172,149 49.60 5.11 203,755 74.17 6.80 167,837 48.35 6.97 54,090 19.69 10.09 339,986 97.95 6.03 257,845 93.86 7.14 358 0.10-219 0.08-6,749 1.95-16,656 6.06-7,107 2.05-16,875 6.14-347,093 100.00 5.91 274,720 100.00 6.75 167,795 48.34 6.30 189,854 69.11 7.25 7,896 2.27 9.69 21,949 7.99 10.22 373 0.11 4.11 1,901 0.69 4.66 ( ) 3,037 0.87-5,100 1.86-172,949 49.83 6.92 60,784 22.13 9.24 345,976 99.68 6.74 269,388 98.06 7.37 1,117 0.32-5,332 1.94-347,093 100.00 6.72 274,720 100.00 7.77 ) (2002 ) ( : %) 1 2 3 4 5 6 7 8 9 101112 ( ) 5.72 5.27 5.41 4.88 5.30 6.10 5.36 5.15 6.06 5.76 6.61 5.76 6.03 6.06 5.87 5.86 6.36 5.93 5.14 5.61 5.46 6.36 6.26 5.73 14.59 6.33 5.64 5.72 5.30 6.12 6.01 6.36 5.99 5.82 5.66 5.68 5.41 5.50 5.92 5.57 5.47 5.33 5.66 5.53 5.14 5.51 5.82 5.35 5.73 6.15 5.92 5.64 5.16 5.81 5.78 5.55 6.30 5.87 6.43 6.04 5.33 5.91 5.89 5.92 10.70 6.53 6.57 6.20 5.44 5.94 5.74 6.48 6.24 6.32 8.94 6.41 5.57 5.11 5.87 5.35 5.31 5.70 6.07 5.85 5.40 5.35 5.57 5.19 5.18 6.51 6.43 5.76 5.41 5.65 6.49 5.14 21

( : ) 2002 2001 109,891 73,170 36,721 516 790 274 15,829 16,017 188 92,519 55,129 37,390 1,027 1,234 207 60,752 47,209 13,543 47,710 36,134 11,576 4,159 5,139 980 8,302 5,312 2,990 581 624 43 49,139 25,961 23,178 13,454 6,179 7,275 3,304 1,389 1,915 10,150 4,790 5,360 3,183 2,317 866 3 27 24 ( ) - 315 315 3,186 2,029 1,157 29,314 28,247 1,067 3,077 1,636 1,441 2,024 3,594 1,570 374 88 286 23,839 22,929 910 43,617 37,986 5,631 392 1,260 868 2,452 2,114 338 1,507 876 631 15,935 9,922 6,013 - - - 23,331 23,814 483 14,303 9,739 4,564 48,172 23,041 25,131 25,514 14,585 10,929 22,658 8,456 14,202 5,252 6,190 938 8,974 3,723 5,251 18,936 10,923 8,013 18,936 10,923 8,013 5,833 3,517 2,316 13,103 7,406 5,697 22

( :, %) 0.07 3,036 0.19 2002 2001 45,994 2.68 75,036 4.78 56,770 3.31 64,141 4.09 252,638 14.73 270,032 17.21 1,267,305 73.90 1,070,300 68.22 ( ) 23,787 1.38 22,712 1.45 ( ) 304 0.02 591 0.04 1,164,721 67.91 946,988 60.36 44,172 2.58 41,743 2.66 374 0.02 509 0.03 7,563 0.44 10,061 0.64 524 0.03 1,998 0.13 57,488 3.35 47,062 3.00 - - 6,400 0.41 3,717 0.22 16,796 1.07 12,761 0.74 19,918 1.27 76 0.01 2,128 0.14 30,926 1.80 29,245 1.86 6,905 0.40 4,805 0.31 1,714,988 100.00 1,568,938 100.00 1,231,096 71.78 1,151,613 73.40 1,189,819 69.38 1,129,046 71.96 10,836 0.63 11,026 0.70 30,441 1.77 11,541 0.74 106,908 6.23 125,561 8.00 31,917 1.86 46,478 2.96 34,085 1.99 25,960 1.65 30,742 1.79 29,599 1.89 729 0.04 795 0.05 375 0.02 1,265 0.08 9,060 0.53 21,464 1.37 175,390 10.23 90,760 5.79 ( ) 2,724 0.16 786 0.05 101,100 5.90 111,869 7.13 1,614,494 94.14 1,479,803 94.32 16,413 0.96 14,985 0.96 58,648 3.42 56,840 3.62 24,171 1.41 14,274 0.91 1,262 100,494 5.86 89,135 5.68 1,714,988 100.00 1,568,938 100.00 ) 61,355 3.58 60,184 3.84 ( ) - - - - 23

( ) 1,904 0.45 3,746 1.13 ( :, %) 2002 2001 2-48 0.01 150,010 35.02 185,726 55.88 5,754 1.34 11,178 3.36 - - 650 0.19 266,694 62.26 125,499 37.76 2-403 0.12 3,255 0.76 4,907 1.48 4,580 1.07 7,866 2.37 ( ) 18-145 0.04 428,375 100.00 332,386 100.00 153,563 35.85 197,397 59.39 268,527 62.68 125,599 37.79 379 0.09 2,673 0.80 5,449 1.27 6,359 1.91 457 0.11 358 0.11 428,375 100.00 332,386 100.00 ) ( ) 24

( :, %) 2002 2001 1,164,721 95.85 946,988 94.52 1,051,170 96.22 534,981 89.37 44,172 3.64 41,743 4.16 32,289 2.96 39,246 6.55 524 0.04 1,998 0.20 1,064 0.10 2,442 0.41 1,209,417 99.53 990,729 98.88 1,084,523 99.28 576,669 96.33 5,754 0.47 11,178 1.12 7,896 0.72 21,949 3.67 1,215,171 100.00 1,001,907 100.00 1,092,419 100.00 598,618 100.00 ) = (, ) + + 2002 2001 579 0.05 393 0.04 516 0.04 382 0.04 2,073 0.18 2,007 0.21 144,198 12.38 138,728 14.65 2,226 0.19 2,619 0.28 60,411 5.19 38,854 4.10 73,624 6.32 59,262 6.26 22,949 1.97 17,095 1.81 14,685 1.26 15,951 1.68 7,738 0.66 8,530 0.90 60,654 5.21 37,488 3.96 31,664 2.72 8,188 0.86 743,404 63.83 617,491 65.21 1,164,721 100.00 946,988 100.00 ) 25

( :, %) 2002 2001 413,327 35.49 337,211 35.61 353,691 30.37 292,867 30.93 59,636 5.12 44,344 4.68 - - - - 403,487 34.64 346,490 36.59 7,780 0.67 7,944 0.84 7,386 0.64 7,372 0.78 394 0.03 572 0.06 955 0.08 1,552 0.16 338,655 29.07 253,430 26.76 209 0.02 361 0.04 308 0.03 - - 1,164,721 100.00 946,988 100.00 ) ( :, %) 2002 2001 550,092 47.23 435,925 46.03 888 0.07 1,814 0.19 6,394 0.55 3,177 0.34 31,522 2.71 33,778 3.57 1,743 0.15 1,133 0.12 590,639 50.71 475,827 50.25 168,707 14.49 143,402 15.14 405,375 34.80 327,759 34.61 1,164,721 100.00 946,988 100.00 ) 2002 2001 (A/B x 100) 31.51% 29.41% (A) 366,937 278,420 (B) 1,164,512 946,627 ) 26

( : ) 55,096 56,770 1,674 17,544 17,651 107 591 557 34 36,837 38,444 1,607 124 118 6 - - - - - - 22,679 17,839 4,840 2,444 2,336 108 12,947 10,082 2,865 1,937 1,937-3,911 1,922 1,989 106 129 23 46 53 7 994 1,167 173 62 62-232 151 81 201,923 201,967 44 109,456 109,456-80,143 80,620 477 1,654 1,276 378 395 395-9,577 9,798 221 698 422 276 31,969 32,353 384 311,667 308,929 2,738 75,682 71,919 3,763 ( ) 55,096 56,770 1,674 ( ) 13,985 11,249 2,736 ( ) 4,143 2,073 2,070 ( ) 2,352 1,698 654 ( ) 106 129 23 124,198 125,161 963 65-65 9,714 9,245 469 1,707 1,752 45 104,188 103,852 336 115,609 114,849 760 427,276 423,778 3,498 27

( :, %) 2002 2001 1,189,819 71.97 1,165,249 75.79 1,129,046 76.57 657,274 69.56 129,878 7.85 106,546 6.93 108,240 7.34 48,323 5.11 936,304 56.64 933,480 60.72 890,809 60.41 534,969 56.62 74,911 4.53 80,587 5.24 88,712 6.02 64,698 6.85 48,726 2.95 44,636 2.90 41,285 2.80 9,284 0.98 10,836 0.66 10,965 0.71 11,026 0.75 9,527 1.01 30,441 1.84 21,199 1.38 11,541 0.78 20,224 2.14 422,090 25.53 339,986 22.12 322,996 21.90 257,845 27.29 153,563 9.29 172,149 11.20 197,397 13.38 203,755 21.56 268,527 16.24 167,837 10.92 125,599 8.52 54,090 5.73 1,653,186 100.00 1,537,399 100.00 1,474,609 100.00 944,870 100.00 ) ( :, %) 2002 2001 920,751 77.39 833,090 73.79 269,068 22.61 295,956 26.21 1,189,819 100.00 1,129,046 100.00 105,853 68.93 147,842 74.90 47,710 31.07 49,555 25.10 153,563 100.00 197,397 100.00 ), 28

( : ) 2002 2001 156 111 45 424 133 291 10 44 34 1,004 931 73 3,680 3,220 460 625 759 134 207 197 10 1,181 865 316 ( ) 97 279 182 7,190 5,981 1,209 903 736 167 2,890 2,148 742 64 220 156 656 1,038 382 2,677 1,839 838 7,190 5,981 1,209 ) Position( ) ( ) 29

2002 2001 ( : ) 193-193 - - - 34 70 104 - - - 99-99 99-99 40 56 96-69 69 63 22 85 100 36 136 381 137 518 85 217 302 810 285 1,095 284 322 606 ), 5 ( : %) 7 3090 6 13 3 (%) 5.28-0.05-1.33-2.77-3.74-7.09 2.66 ) ( ) / ( : ) (%) 1 1,024,113-942,624 81,490 1.16 2 715,147-713,176 1,971 0.03 3 1,491,125-1,481,511 9,615 0.14 4 1,074,251-1,124,938-50,687-0.71 5 1,019,841-1,038,403-18,562-0.26 6 1,304,267-1,284,479 19,788 0.28 7 894,068-891,135 2,933 0.04 8 977,249-989,665-12,416-0.18 9 1,345,785-1,388,132-42,347-0.60 10 989,657-1,052,653-62,995-0.88 11 823,909-892,266-68,357-0.96 12 1,884,085-1,929,017-44,931-0.65 ), (+), (-). 30

( : ) 2002 2001 23,787 22,712 23,787-22,712-23 438 1,904 3,746 322 737 15,908 18,624 15,263 17,353 15,263-17,353-645 1,271 ) ( : ) 2002 2001 1,321,782 1,129,195 1,286,787 1,093,744 34,995 35,451 25,091 29,545 23,837 26,651 1,254 2,894 38,214 40,147 36,521 36,889 1,693 3,258 24,309 22,372 23,394 20,724 915 1,648 ) 1. (,, ) 2. 31

2002 2001 194-194 189-189 146-146 89-89 67-67 58-58 58-58 56-56 49-49 46-46 46-46 44-44 44-44 43-43 40-40 39-39 38-38 36-36 35-35 35-35 ) 20 20 32

( : ) 2002 CB 2002.12.20 196 196 - - 3 - - 2002.4.19 200 200 - - 6 - - 2002.11.8 931 382 334 - - - 48 2002.11.18 332 99 99 - - - - 2002.12.28 553 553 - - 100 - - 2,212 1,430 433-109 - 48 ) 100 2002 2001 10,317 35,220 ( ) (2,889) (2,608) ( ) (7,428) (32,612) 13,069 13,697 ( ) (12,434) (13,110) ( ) (635) (587) ( : ) 49,079 47,224 37,504 24,901 93 135 1,755 2,087 345,752 169,072 33

1. ( ) Middle Office ( ) Front Office ( ). Middle Office Front Office 2., (VaR), 34

Front Office Middle Office Back Office 3. / NPV. :,, ( ) Black-Scholes Formula 4. ( ) ( : ) 1) 3,601 - - - - - 3,601 166,207 173,572 2,371 - - 113 342,263 2) 3,662 7,394 - - - - 11,056 166,146 166,178 2,371 - - 113 334,808-131,866 - - - - 131,866 3,655 7,394 - - - - 11,049 163,046 32,547 - - - - 195,593 3,107 1,765 2,371 - - 113 7,356 907 1,326 - - - - 419 399 1,245 9 - - - 1,653 ) 1. (,, ) 2. 3..,, 35

5. ( : ) 1) 2) 3,662 7,394 - - - - 11,056 162,545 166,178 2,371 - - 113 331,207-131,866 - - - - 131,866 3,655 7,394 - - - - 11,049 159,445 32,547 - - - - 191,992 3,107 1,765 2,371 - - 113 7,356 999 1,326 - - - - 327 390 1,245 9 - - - 1,644 ) 1. (,, ) 2. 3.,,, 6. ( : ) - - - - - - 3,601 97 - - - - 131,866 2,303 1,988 11,049 - - 191,992 4,125 3,176 7,356 149 106 36

7. ) ( : ) 166,146 166,178 2,371 - - 113 334,808 131,368 136,414 6 - - - 167,788 1 5 133,915 27,164 2,365 - - 113 163,557 5 863 2,600 - - - - 3,463 3,601 - - - - - 3,601 1 - - - - - - - 1 5 3,601 - - - - - 3,601 5 - - - - - - - 162,545 166,178 2,371 - - 113 331,207 131,368 136,414 6 - - - 167,788 1 5 130,314 27,164 2,365 - - 113 159,956 5 863 2,600 - - - - 3,463 ) (,, ) 8. ( : ) 0% 7,622 35 422 253 10% 61,450 2,279 877 2,949 20% 213,209 3,682 2,794 5,710 50% 52,415 612 1,130 1,426 100% - - - - 334,696 6,608 5,223 10,338 9. : 10. : 11. ( 50 ) : 37

( ) (, ).,,,.,,,. 38

Total Exposure. RAROC ALM RAROC Credit Review.. 39

. ALM ALM ALM. Bottom-up Top-down. :,, ALM, Risk Appetite (Risk Appetite) : (Risk Appetite = / ) = ( + EL of NPL) Risk Appetite,, 40

,,. (Credit Risk Management System) Portfolio Total Exposure 41

.,, ALM,,,.,.,,. /RAROC,,,,, RAROC., /,. RAROC,, (RAPM), (RAPS). /,,.,,. Portfolio exposure,, 42

,,,,. Total Exposure Total Exposure Exposure ( ) Exposure Exposure Limit Exposure 300 /RAROC,.,. Monitoring (Review),,,,,,,,. FLC, ( 19%, 49%, 99%). 43

,, (,, ). ( ),. (VaR ) Stress Testing Back Testing. VaR(Value at Risk) (, ) (,, VaR). BIS BIS,. ( : ) 200212 200112 54,440 18,071 72,511 63,679 35,524 99,203 558 5 563 562-562 344,952-344,952 162,940-162,940 273-273 500-500 657 657 - - - 400,880 18,076 418,956 227,681 35,524 263,205 44

VaR VaR VaR 49 123 49 79 ) 1.VaR 2002101 12 2..VaR 3. VaR 99%, 1 4. (0.94) GAP 45

, ( : ) 1 2 3 3 531,549 26,030 21,518 2,776 581,873 ( : ) 1 2 3 3 529,789 192,270 266,730 175,932 1,164,721 ( : ) 1 2 3 3-6,562 4,009 832 11,403-1,407 521 1,437 3,365 318-203 - 521 318 7,969 4,733 2,269 15,289, 7 30 90 6 1 3 ( : ) 3 2,206 4,679 6,885 8,782 10,804 12,600 813 13,412 2,897 4,672 6,711 8,419 10,314 11,672 1,160 13,078 46

. 1. (=repricing ) (Base rate) (, ). (MBR ; Market-related Base Rate) (repricing ), (6, 12 ) (Base rate) (, CD, RP), ( ) ( 3 ),, + 0.25%p + 1%p + 1%p 47

(matched funding) repricing ( repricing (, ), (Base rate) (, ) 3, 5 (Base rate) 5 5 +1.2% +1.5% +1.0% * 0.5%p 48

(Market Opportunity Rate) (Base rate) CD (AAA), T- ( ) repricing 49

3 6/12 ( ) CD 91 3 +1.57% 6/12 7.75%/7.95%,,, 3, (, BB-, ) 6/12 (CSS ) 50

2. ( : %) 2) 1) 1 4 10 (, 1) 8.5 10.5 16.75-3) (1) 7.75 - ( 1) 5 : +1.5 5 : +1.0 AAA BB- C (1) 7.8 9.43 41.86 ) 1. / 2. :4, : 5 3. (6 ) 1) 2) ( : %) - 0.50-10 - 0.50 1.00 6 4.40 4.60 1 4.65 4.85 2 4.95 5.15 3 5.15 5.35 3 4.00 4.50 6 4.10 4.60 1 4.25 4.75 2 4.55 5.05 3 4.75 5.25 3 5.35-3 - 3 7 5.65 - ) 1. 2. 51

133,812 KB 3,007 1,000 631 393 183 K B 208 Kookmin Bank Luxembourg. S.A. Kookmin Bank Int l Limited Kookmin Finance HongKong Limited 4,591 3,443 2,932 150,200 ( : ) ( ) 9,182 (3,660) 877 (800) 738 (448) 573 (383) 251 (200) 136 (80) 140 (63) 51 (220) 477 (385) 614 (240) 13,039 (6,479) 3,061 2,609 12/31 101 89 12/31 310 339 12/31 174 122 3/31 24 17 3/31 22 20 12/31 42 36 12/31 51 75 12/31 34 7 12/31 72 122 12/31 2,851 2,460 52

1. ( :, %, %P) 2002 2001 1,541 1.12 1,470 1.29 71 0.17 KB 570 0.41 1,081 0.95 511 0.54 80 0.06 10 0.01 70 0.05 1,430 1.04 2,510 2.21 1,080 1.17 Kookmin Bank Luxembourg. S.A. Kookmin Bank Int l Limited Kookmin Finance HongKong Limited 1,928 1.40 2,055 1.81 127 0.41 2,578 1.88 1,337 1.18 1,241 0.70 2,433 1.77 199 0.17 2,234 1.60 10,560 7.68 8,662 7.62 1,898 0.06 2. ( :, %, %P) Kookmin Bank Luxembourg. S.A. Kookmin Bank Int l Limited Kookmin Finance HongKong Limited 2002 2001 1,779 1.29 1,254 1.10 525 0.19 2,031 1.48 500 0.44 1,531 0.04 1,505 1.10 1,203 1.06 302 0.04 5,315 3.87 2,957 2.60 2,358 1.27 53

(1) (Compliance),.,,,. (2),,. (3). (4), 54

2002. (1) Compliance,,,,, (2), (3),, (4),,,,, NPL, (), (5) (6) -,,, - - Cyber Academy 55

2003 (1) - - - (2) - Compliance., Compliance -,. -. -. Feed Back -. Compliance Compliance 56

57,,..,...,,,,,,. 1., 2.

3. 4. / 5. ( ) (Total Audit Intelligence System : TAIS) 1. 2002 768 1,085 478 2,331 35 20032 103 127 52 282 4 ( : ) 2. 2002 2003 ( : ) 2 695 683 653 79-179 - 63-70 - 57 695 932 653 199 3. 2002 2,122,972 20032 324,965 ( : ) 58

59

1. ( ) ( ) 98.10.31 400,000-01.11.1 ~ 04.10.31 5,000 ( :, ) ( ) 10,000 01.12.21 439 300,000 02. 8. 6 16,559 10,000 02.12.17 409 ( ) 80,000 36,500 2,520 99.02.27 30,000 596 13,900 30,000 02.4.20 1,292-36,500-99.02.27 20,054 398 13,900 20,054 02.7.22 948-36,500-99.02.27 30,000 596 13,900 99.02.27 20,054 398 13,900 3,597 02.6.14 166 26,403 02.7.18 1,251 10,054 02.7.18 476 10,000 02.7.25 470-36,500 - - 36,500-99.02.27 20,000 397 13,900 20,000 02.7.18 948-36,500-99.02.27 30,000 596 02.2.28 13,900 30,000 02. 8. 6 1,389-36,500 - ~ 5,000 02.7.18 237 99.02.27 10,000 199 13,900-36,500-05.2.27 5,000 02.7.25 235 99.02.27 30,000 596 13,900 3,597 02.6.14 166 16,403 02.7.18 777 10,000 02.7.25 470-36,500-99.02.27 20,000 397 13,900 20,000 02.7.16 946-36,500 - Bruce G. 99.02.27 Willison Jan Op 00.02.28 de Beeck 10,000 199 13,900 10,000 02.6.14 461-36,500-22,490 300 27,600 - - - 22,490 36,500 200 00.02.28 30,000 400 27,600 - - - 30,000 36,500 267 00.02.28 30,000 400 27,600 - - - 30,000 36,500 267 00.02.28 4,800 64 27,600 - - - 4,800 36,500 43 00.02.28 7,000 93 27,600 - - - 7,000 36,500 62 00.02.28 4,800 64 27,600 - - - 4,800 36,500 43 00.02.28 7,000 93 27,600 - - - 7,000 36,500 62 00.02.28 4,800 64 27,600 - - - 4,800 36,500 43 00.02.28 2,486 33 03.3.1 27,600 - - - 2,486 36,500 22 00.02.28 2,486 33 ~ 27,600 - - - 2,486 36,500 22 00.02.28 4,800 64 06.2.28 27,600 - - - 4,800 36,500 43 00.02.28 1,928 26 27,600 - - - 1,928 36,500 17 00.02.28 4,909 65 27,600 - - - 4,909 36,500 44 00.02.28 7,000 93 27,600 - - - 7,000 36,500 62 00.02.28 10,000 133 27,600 - - - 10,000 36,500 61 00.02.28 10,000 133 27,600 - - - 10,000 36,500 30 00.02.28 10,000 133 27,600 - - - 10,000 36,500 61 00.02.28 4 23,641 314 27,600 - - - 23,641 36,500 212 00.02.28 1 13,642 182 27,600 - - - 13,642 36,500 122 60

( :, ) ( ) ( ) ( ) ( ) 00.03.18 41,460 524 23,469 - - - 41,460 36,500 540 00.03.18 14,807 187 23,469 - - - 14,807 36,500 193 00.03.18 2,961 37 23,469 - - - 2,961 36,500 39 00.03.18 2,961 37 23,469 - - - 2,961 36,500 39 00.03.18 2,961 37 23,469 - - - 2,961 36,500 39 00.03.18 2,961 37 03.3.19 23,469 - - - 2,961 36,500 39 ~ 00.03.18 2,961 37 05.3.18 23,469 - - - 2,961 36,500 39 00.03.18 2,961 37 23,469 - - - 2,961 36,500 39 00.03.18 2,961 37 23,469 - - - 2,961 36,500 39 00.03.18 11,845 150 23,469 - - - 11,845 36,500 154 00.03.18 11,845 150 23,469 - - - 11,845 36,500 154 00.03.18 11,845 150 23,469 - - - 11,845 36,500 154 01.03.15 29,614 473 28,027 - - - 29,614 36,500 251 01.03.15 14,807 237 28,027 - - - 14,807 36,500 125 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 1,870 30 28,027 - - - 1,870 36,500 16 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 1,870 30 28,027 - - - 1,870 36,500 16 01.03.15 1,870 30 28,027 - - - 1,870 36,500 16 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 2,961 47 04.3.16 28,027 - - - 2,961 36,500 25 ~ 01.03.15 11,845 189 09.3.15 28,027 - - - 11,845 36,500 100 01.03.15 11,845 189 28,027 - - - 11,845 36,500 100 01.03.15 11,845 189 28,027 - - - 11,845 36,500 100 01.03.15 11,845 189 28,027 - - - 11,845 36,500 100 01.03.15 11,845 189 28,027 - - - 11,845 36,500 100 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 2,961 47 28,027 - - - 2,961 36,500 25 01.03.15 592 9 28,027 - - - 592 36,500 5 01.03.15 592 9 28,027 - - - 592 36,500 5 61

( ) ( ) ( :, ) ( ) ( ) 01.03.15 592 9 28,027 - - - 592 36,500 5 01.03.15 592 9 28,027 - - - 592 36,500 5 01.03.15 592 9 28,027 - - - 592 36,500 5 01.03.15 04.3.16 17,170 263 30 ~ 28,027 - - - 17,170 36,500 144 09.3.15 01.03.15 6,524 103 3 28,027 - - - 6,524 36,500 55 01.03.15 32,573 519 4 28,027 - - - 32,573 36,500 275 01.03.24 30,000 514 25,100 - - - 30,000 36,500 342 01.03.24 30,000 514 25,100 - - - 30,000 36,500 342 01.03.24 2,318 40 25,100 - - - 2,318 36,500 26 01.03.24 2,318 40 04.3.25 25,100 - - - 2,318 36,500 26 ~ 01.03.24 1,916 33 07.3.24 25,100 - - - 1,916 36,500 22 01.03.24 10,000 171 25,100 - - - 10,000 36,500 114 01.03.24 10,000 171 25,100 - - - 10,000 36,500 114 01.03.24 3,275 56 25,100 - - - 3,275 36,500 37 01.11.16 500,000 10,043 04.11.17 51,200 - - - 500,000 36,500 0 01.11.16 200,000 4,017 ~ 09.11.16 51,200 - - - 200,000 36,500 0 01.11.16 150,000 3,013 51,200 - - - 150,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 Henry 02.03.22 Cornell 10,000 245 57,100 - - - 10,000 36,500 0 02.03.22 10,000 245 57,100 - - - 10,000 36,500 0 02.03.22 10,000 245 57,100 - - - 10,000 36,500 0 02.03.22 10,000 245 57,100 - - - 10,000 36,500 0 Timothy 02.03.22 Hartman 10,000 245 57,100 - - - 10,000 36,500 0 02.03.22 3,000 73 05.3.23 57,100 - - - 3,000 36,500 0 02.03.22 3,000 73 ~ 10.3.22 57,100 - - - 3,000 36,500 0 02.03.22 3,000 73 57,100 - - - 3,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 62

( :, ) ( ) ( ) ( ) ( ) 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 30,000 735 57,100 - - - 30,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 05.3.23 57,100 - - - 15,000 36,500 0 ~ 02.03.22 15,000 367 10.3.22 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 15,000 367 57,100 - - - 15,000 36,500 0 02.03.22 5,000 122 57,100 - - - 5,000 36,500 0 02.03.22 5,000 122 57,100 - - - 5,000 36,500 0 02.03.22 5,000 122 57,100 - - - 5,000 36,500 0 02.03.22 5,000 122 57,100 - - - 5,000 36,500 0 02.03.22 5,000 122 Donald H. 02.07.26 MacKenzie 30,000 611 05.7.27 ~ 10.7.26 57,100 - - - 5,000 36,500 0 58,800 - - - 30,000 36,500 0 ) 1. 1998.10.31 2. 2001.11.16 20 3. 2001.11.16, 2002.3.22 2002.7.26,. 4. 5. 2003.2.28 2,141,231 682,231 1,459,000 328,258,685 49,238,802 3,282,586 63

2. 20011116 2002322, 40% 20011116 20 (, ROE) 2002322, 2002726Donald H. MacKenzie,, 3( ) 1) 3., 1) : 2) ( ) ( :, ) ( ) 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 Henry 02.03.22 850,000 10,000 57,100 245 328,258,685 3,282,587 Cornell 05.3.23 ) 1,3 02.03.22 850,000 10,000 ~ 57,100 245 328,258,685 3,282,587 10.3.22 02.03.22 850,000 10,000 57,100 245 328,258,685 3,282,587 02.03.22 850,000 10,000 57,100 245 328,258,685 3,282,587 02.03.22 850,000 10,000 57,100 245 328,258,685 3,282,587 64

Timothy 02.03.22 Hartman ( ) ( :, ) ( ) 850,000 10,000 57,100 245 328,258,685 3,282,587 02.03.22 850,000 10,000 57,100 ) 1,3 245 328,258,685 3,282,587 02.03.22 850,000 10,000 57,100 245 328,258,685 3,282,587 02.03.22 850,000 10,000 57,100 245 328,258,685 3,282,587 02.03.22 850,000 10,000 57,100 245 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 57,100 735 328,258,685 3,282,587 02.03.22 850,000 30,000 05.3.23 57,100 735 328,258,685 3,282,587 02.03.22 850,000 15,000 ~ 57,100 367 328,258,685 3,282,587 10.3.22 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 ) 2,3 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 15,000 57,100 367 328,258,685 3,282,587 02.03.22 850,000 5,000 57,100 122 328,258,685 3,282,587 02.03.22 850,000 5,000 57,100 122 328,258,685 3,282,587 02.03.22 850,000 5,000 57,100 122 328,258,685 3,282,587 02.03.22 850,000 5,000 57,100 122 328,258,685 3,282,587 02.03.22 850,000 5,000 57,100 122 328,258,685 3,282,587 05.7.27 Donald H. ) 1,3 02.07.26 1,429,000 30,000 ~ 58,800 611 328,258,685 3,282,587 MacKenzie 10.7.26 ) 1. : 57,100 40% 2. 3.,, 65

( :, ) ( ) 02.04.20 30,000 30,000-13,900 13,900 56,960 1,292 02.06.14 30,000 3,597 26,403 13,900 13,900 60,030 166 02.06.14 30,000 3,597 26,403 13,900 13,900 60,030 166 Bruce G. 02.06.14 Willison 10,000 10,000-13,900 13,900 60,030 461 02.07.16 20,000 20,000-13,900 13,900 61,206 946 02.07.18 26,403 26,403-13,900 13,900 61,275 1,251 02.07.18 20,000 20,000-13,900 13,900 61,275 948 02.07.18 26,403 16,403 10,000 13,900 13,900 61,275 777 02.07.18 20,054 10,054 10,000 13,900 13,900 61,275 476 02.07.18 10,000 5,000 5,000 13,900 13,900 61,275 237 02.07.22 20,054 20,054-13,900 13,900 61,196 948 02.07.25 10,000 10,000-13,900 13,900 60,895 470 02.07.25 10,000 10,000-13,900 13,900 60,895 470 02.07.25 5,000 5,000-13,900 13,900 60,895 235 02.08.06 390,000 300,000 90,000 5,000 5,000 60,198 16,559 02.08.06 30,000 30,000-13,900 13,900 60,198 1,389 02.12.17 90,000 10,000 80,000 5,000 5,000 45,850 409 ) 3 02.05.04 30,000 30,000 - ( : ) (2002.3.22 ) 02.05.04 3,000 3,000-2 (2002.3.22 ) 02.10.25 10,000 10,000-2 (2002.3.22 ) ( : ) 2002 2001 1,655 2,920 66

1) ( :, %) ( ) 2) ( ) 3) (A) (B) (C) (2002.3.22) ( ) (C-A) (C-B) 2,318 466 9,829 7,511(324) 9,363(2,009) ( ) ( ) 2,318 466 9,829 7,511(324) 9,363(2,009) 2,318 466 9,829 7,511(324) 9,363(2,009) ( ) ( ) 2,318 466 9,829 7,511(324) 9,363(2,009) 32 43-32(100) 43(100) (2002.3.22 ) ( ) ( ) 32 43-32(100) 43(100) 8 8 8 ( ) ( ) (2002.3.22 ) ( ) ( ) 8 8 8 ( ) ( ) 40 51 8 32(80) 43(84) ( ) ( ) 40 51 8 32(80 ) 43(84) 2,358 517 9,837 7,479(317) 9,320(1,803) 2,358 517 9,837 7,479(317) 9,320(1,803) ) 1. 2, 2. ( ). ( ) (,, ). 3. 1 4 ( ) 67

. 1) :. 1) ( : ) ( ) ( ) 2) 3) ( / ) ( ) 2002.6.7 2004.6.7 9,664 ( ) (2002.3.22) 2002.4.17 2004.4.17 850 ( ) 10,514 2002.4.1 ( ) 2003.3.31 897 (2002.3.22) 897 2002.11.1 ( ) 2003.10.31 550 (2002.3.22) 550 11,111 850 11,961 ) 1. ( ) 2. 3.. 1) :. 1) ( :, ) ( ) 2) ( ) 3) B/S B/S (2002.3.22) 638 12 623 12 638 12 623 12 638 12 623 12 638 12 623 12 ) 1. ( ) ( ) 2. 3. 68

1. ) ( : ) 149 99 47 2 1 ) 2. ( ) ( : ) ) 3 - - / 34 2 ),, 3. ( ) ) ( : ) 50 27-15 8 ) 20012002 69

70 * / 2002.12.31

71...., PC, : 3 : 3 ( ), PC, : (6 ).,..

. ( ) ( ) /. / ( : ) ( ) ( ) / / 100 1,000 100 2,000 100 2,000 100 4,000 10 2,000 100 3,500 500 6,000 1,000 8,000 1,000 10,000 CD / ATM ( : ) 100 1,000 500 500 1,300 2,500 +500 700 900 500 1,000 /3 1,300 2,500 +500 72

( : ) 500(300) PC 500(300) ( ) (ARS) 500(300) 500(300) 1,000(800) ( ) FAX 200(100) ) ( ), / ( : ), 10,000 (20) 10,000 (10) ( : ) 50 300 ( : ) 200,000 300,000 500,000 20,000 30,000 50,000 ( : ) 5,000 (100 ) 1,000 30,000 100 500 73

( : ), 2,000, 1,000 60,000 30,000 5,000 5,000 300 (200 ) 1,000 2,000 500 5,000 10,000 2,000 1,000 1,000 1,000 ( ), ( ) 2,000,, 5,000 1 40,000 2 50,000 3 60,000 4 80,000 4 100,000 40,000 ( ) 30,000 30,000 30,000 15,000 50,000 50,000,, ( ) ( ) 74

( ) RM (), ( ) - 60,000, ( ) - 100,000 ( ) - 40,000 1 2 3 ( ) 4 4 40,000 50,000 60,000 80,000 100,000-30,000 1~300 15,000 301~400 14,000 401~500 13,000 500 12,000 1~100 150,000 101~300 300,000 300 500,000-15,000-25,000 ( ) - 80,000 1~100 100,000 101~300 ( ) 200,000 300 250,000-100,000 { (0.5%)( /365)} + { ( MOR- MOR) /365} ( - ) /360 0.5% - 2,000-5,000-5,000 75

76. (1) 50% (2) 30% (3) 111, 30% (4) ( ) (1),(2),(3) * : (1),(2),(3). 15%.. = / 100 1. : /. * = / 100 ( )

. * = + - + (, (1) :. (2) :..., (,, ). * : (,,, )+ + + + + ( )+ + + + + 77

, ( ) 1, ( ) 1 3 1, ( ) 3,? 1, ( ) 3 12 1, ( ) 12,, 78

3,,,, ( ) ( ) (, ) 3 ( ),,. i :, i : i :.. * = ( ) /( )100 79

,, i. i. i. i. i,. BIS BIS BIS ( ). 8%.. 100%.,.. * (NIM) = ( ) / 80

..( = +., 15%. 3. i :,,,,. i :. Moody's, S&P, Fitch,.,, 1... Moody's S&P Fitch AaaBaa3(10 ) AAABBB-(10 ) AAABBB(4 ) Ba1 C(9 ) BB+ D(12 ) BB C(5 ) P-1 P-3(3 ) A-1 A-3(3 ) A1 A3(3 ) NP B D (3 ) B C (2 ) 81

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84

85

86

87

88

89

90

91

< > Kookmin Bank Tokyo Branch Yurakucho Denki Bldg. N, 14F, 1-7-1, Yurakucho, Chiyoda-ku Tokyo 100 Japan Kookmin Bank New York Branch 565 Fifth Avenue, 24 th Floor, New York, NY, 10017 U.S.A Kookmin Bank Auckland Branch Level 19, ASB Bank Centre Cnr. Albert & Wellesley Streets PO BOX 7506, Auckland, New Zealand 92

200327 93

0.50% 0.75% 1.00% 2.00% 8.00% 12.00% 20.00% 20.00% 20.00% 50.00% 55.00% 60.00% 100.00% 100.00% 100.00% 94

(Balance Sheet) (Banking Account) 220021231 120011231 2 (Amount) ( : (Unit : Million Won)) 1 (Amount) 4,599,356 7,503,624 21,156 28,868 2,392,346 2,553,258 186,780 147,313 1,532,179 4,656,228 509,207 175,693 5,676,973 6,414,148 55,674 45,682 644,435 798,005 784,168 846,723 336,474 583,785 3,844,380 4,081,859 11,842 58,094 25,263,777 27,003,206 1,606,008 2,108,767 36,152 44,687 4,607,886 3,794,246 3,173,913 3,316,956 11,353,431 13,083,764 3,231,853 3,218,834 47,835 198,934 1,914 2,840 1,204,785 1,234,178 126,730,561 107,029,959 2,378,696 2,271,179 30,442 59,104 95

2 (Amount) 1 (Amount) 116,472,105 94,698,769 4,417,176 4,174,237 37,415 50,893 756,300 1,006,095 52,430 199,831 5,748,806 4,706,223-640,000 371,744 1,679,628 1,276,080 1,991,735 7,643 212,831 3,092,616 2,924,471 3,167,709 2,710,284 690,562 480,501 614,457 692,390 2,099 4,294 1,087 1,996 6,135,558 6,018,394 1,235,362 1,178,742 1,877,645 1,539,076 981,141 984,379 48,390 104,113 12,646 26,684 170,624 119,444 660,791 278,893 1,087,587 1,490,602 37,882 267,334 23,490 29,127 171,498,841 156,893,802 96

2 (Amount) 1 (Amount) 123,109,653 115,161,304 118,981,916 112,904,622 1,083,648 1,102,626 3,044,089 1,154,056 10,690,754 12,556,052 3,191,744 4,647,829 3,408,530 2,595,997 3,074,161 2,959,897 72,860 79,443 37,493 126,501 905,966 2,146,385 17,539,007 9,076,028 17,022,308 7,778,158 270,924 71,758 789,127 1,376,429 1,504 6,801 10,110,031 11,186,876 131,455 50,387-33 88,682 28,414 2,287 43,823 734,646 1,666,520 2,193,925 1,398,890 4,656,225 4,736,583 48,745 106,570 147,623 148,693 85,841 140,185 112,732 154,248 97

2 (Amount) 1 (Amount) 522,286 272,186 395,678 254,146 541,757 1,443,480 486,413 705,727 139,100 93,885 161,449,445 147,980,260 1,641,293 1,498,487 1,641,293 1,498,487 5,864,752 5,683,964 5,287,708 5,107,251 577,044 576,713 2,417,102 1,427,475 545,740 413,740 40,760 40,760 1,827,700 960,700 2,492 7,158 410 5,117 <1,310,291> <740,565> 126,249 303,616 148,973 1,363-89,900 275,222 189,058-26,021 10,049,396 8,913,542 171,498,841 156,893,802 98

2 (Amount) 1 (Amount) 2,338,576 4,891,693 1,031,698 3,521,970 1,306,878 1,369,723 4,907,866 4,722,400 9,285 13,474 34,575,158 16,907,238 16,980,805 5,231,732 17,357,206 11,630,734 237,147 44,772 3,750,402 2,490,069 175,527 208,718 99

(Trust Account) 220021231 120011231 2 (Amount) ( : (Unit : Million Won)) 1 (Amount) 236 4,801 15,001,019 18,572,571 1,245,820 2,783,457 1,461,172 3,607,214 77,375 276,320 7,600,794 7,613,829 924,514 890,151 747,253 370,415 2,696,979 2,632,666 247,112 398,519 575,412 1,117,817 223,855 497,155 158,188 214,866 25,565 41,924 126,244 306,196 27,381 32,684 14,179 24,992-65,000 26,669,409 12,549,910 176 40,299 325,519 490,757 14,130 46,039 308,950 442,618 2,439 2,100 457,941 786,558 1,771 14,549 190,417 374,577 42,837,524 33,238,587 100

2 (Amount) 1 (Amount) 15,356,285 19,739,709 305 896 458,216 775,983 183,528 229,414 418 2,366 73,635 87,047 22,667 46,024 6,154 6,192 1,887,373 1,698,978 2,266,498 3,087,224 491,618 812,797 2,428,955 3,827,690 4,356,567 3,230,409 382,773 551,540 669,254 1,392,071 193,260 171,904 368,723 377,604 34,311 22,558 1,423,207 3,375,132 24,131 5,333 84,692 38,548 26,852,684 12,559,922 177,158 10,000 26,675,526 12,549,922 37,882 267,334 544,918 635,872 37,067 35,638 493,407 564,844 14,444 35,390 45,755 35,750 42,837,524 33,238,587 101

(Income Statement) (Banking Account) 2200211 20021231 1200111 20011231 2 (Amount) ( : (Unit : Million Won)) 1 (Amount) 15,584,501 10,993,905 1 10,989,058 7,407,148 51,580 78,983 95,576 172,045 1,487,318 1,429,652 9,251,849 5,603,114 102,735 123,354 1,345,669 530,343 538,125 276,350 9,049 8,259 288 2,705 603,366 210,201 194,841 32,828 3,249,774 3,056,414 127,017 156,605 167,366-1,123 323 12,186 6,679 202,367 359,423 318,338 231,686 37,436 8,790 1,760,743 2,112,919 603,633 165,223-14,077 19,565 689 102

2 (Amount) 1 (Amount) 13,318,736 10,148,359 6,075,192 4,720,872 4,770,967 3,613,398 415,938 513,876 830,219 531,244 58,068 62,354 330,385 138,835 224,590 122,390 105,795 16,445 4,361,733 3,830,108 39,215 121,881-4,140 245,232 211,401 150,659 87,626 1,593,479 992,249-31,479 1,594,025 2,088,619 561,749 229,297 9,213 1,516 168,161 61,900 2,551,426 1,458,544 1,121,,336 541,869 100,198 112,366 253,464 360,549 49,792 21,409 311,487 103,334 78,444 13,537 106,612 65,693 88,029 36,469 158,895 38,412 61,361 47,536 221,808 117,370 103

2 (Amount) 1 (Amount) 2,265,765 845,546 525,280 619,004 1,844 940 3,404 2,463-351,226 382,808 111,036 15,318-12,380-2,022 85,519 15,858 1,317 91,646 66,503 897,427 372,299 8,132 4,314 273,620-171,963 38,105 222,309 6,144 77,782 88,973 9,383 119,338 48,775 38,925 85,463 76,500 1,893,618 1,092,251 1,893,618 1,092,251 583,327 351,686 1,310,291 740,565 104

(Trust Account) 2200211 20021231 1200111 20011231 2 (Amount) ( : (Unit : Million Won)) 1 (Amount) 4 4 1,057,767 1,364,216 121,885 193,031 136,908 316,525 10,228 35,886 590,545 609,876 2,748 2,080 45,935 8,826 142,133 170,890 7,385 27,102 76,479 225,976 38,481 90,797 11,504 28,196 1,534 11,967 19,820 62,491 3,669 17,058 1,471 15,467 1,532 8,769 1,162-1,169,135 501,518 1 27,851 46,272 35,161 1,537 2,709 102,308 227,031 2,452 4,223 12,387 63,539 24,240 31,090 6,417 1,705 154,510 105,799 2,656,203 2,599,591 105

2 (Amount) 1 (Amount) 879,831 1,361,843 6 36 46,008 85,943 13,164 19,943 9 6,068 4,504 6,068 2,384 3,922 440 505 96,236 107,856 152,599 260,263 43,952 64,828 159,619 318,159 174,314 173,615 26,781 33,787 20,425 112,310 7,893 3,277 27,915 15,596 1,289 749 99,295 147,965 571 131 2,427 822 1,169,952 492,989 1,300 3,652 1,168,652 489,337 5,732 37,260 2,499 20,044 66,271 24,537 193,863 132,890 4,992 6,389 419 500 300,686 355,161 8,784 84,728 16,423 16,305 6,751 66,945 2,656,203 2,599,591 106

2 200211 20021231 ( : (Unit : Million Won)) 2 (Amount) 1,319,970 5,117 4,562 1,310,291 5,417 5,417 1,325,387 1,324,977 132,000-325,233 325,233-867,000 744 410 107

108 2200211 20021231 1200111 20011231 ( : ) 2 1. 1. 2. 3. 3,191,196 1,310,291 5,307,564 39,215-245,232 1,593,479 1,594,025 561,749 9,213-100,198 11,333 311,487 78,444 8,132 171,963 222,309 77,782 273,620 9,383 3,359,886 127,017 167,366 202,367 37,436 1,760,743 603,633-360 1,844 382,808 15,318 12,380-2,022 15,858 30,734 880,273 740,565 4,143,715 121,881 4,140 211,401 992,249 2,088,619 229,297 1,516 31 112,366 8,470 103,334 13,537 4,314 38,105 6,144 88,973-119,338 3,498,755 156,605-359,423 8,790 2,112,919 165,223 14,077-940 111,036 - - 351,226 85,519 1,317 131,680

109 2 1 4. ( ) ( ). ( ) ( ) ( ) ( ) ( ) ( ) ( ) (66,773) 3,238 14,037 (51,181) 5,639 (90,475) (1.070) (54,343) 141,532 45,215 (19,130) (60,268) 33 (15,205,028) 2,839,245 992,343 1,606,941 (20,439,846) 14,049 (578,828) (502) 978 (56,619) (338,569) 55,723 67,591 403,014 229,452 (505,252) 436,959 2,963 97,110 181,463 (513,456) (17,216) (51,415) 218,857 (232,975) (629,069) (23,400) 24,927 (12,304,007) (2,730,337) 287,364 (1,456,493) (7,295,710) 7,417 (174,475) (5,662) 3,167 (6,278) (106,158) (36,205) (188,722) (597,867) (4,048)

110 2 1. ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ). ( )(++).. 11,941,097 6,077,294 (18,978) 1,890,033 16,575,007 (18,031,093) 830,753 (999,551) 114,264 (6,583) (89,007) (1,240,419) 13,170,893 (3,891,809) 1,487,401 (2,069,405) (931,874) (29,967) 499,769 (57,825) (41,516) (901,723) (219,313) 1,928 (149,704) (737) (26,741) (72,735) 3,173,316 3,100,581 7,778,688 9,439,640 39,257 (1,806,731) 1,968,000 (1,523,355) 1,626,578 (1,680,858) 1,530,431 (1,092,827) (151,295) 1,351,488 1,548,076 (3,621,766) 4,443 (587,573) 36,224 (151,009) 62,622 35,793 31,742 496,475 385,152 1,086 (162,684) (221) - (3,645,046) 6,818,362 3,173,316

111

112

113

7. 114

115

116

1. 2002 20011231. ( : ) 2002 2001 1,340,482 3,450,528 1 41,192 1,192 392 174 Deutsche Bank 2-198,822 1-1,313 41,584 201,501-110,379 3-688,500 140,000 140,000 140,000 938,879 8 1,336 51,238 PD 458 453 1 8,319 13,629 10,113 65,320 1,532,179 4,656,228 (*) (21,156) (28,868) 1,511,023 4,627,360 25,677 33,795 11,341 12,447 15,193 2,652 ABN AMRO BANK 92,732 103,365 107,925 106,017 JP MORGAN 5,064 23,434 359,200-509,207 175,693 (*) 1999 ( ) 140,000 ( : 1%, : 5, ). 117

2. 2002 2001 28,904,621 22,974,003 1,851,133 2,235,289 568,702 584,909 814,759 736,886 3,229,851 2,755,620 35,369,066 29,286,707 4,676,506 3,117,383 1,287,125 1,317,064 5,963,631 4,434,447 41,332,697 33,721,154 39,713,543 34,367,459 33,731,435 25,342,969 131,768 57,099 632,172 224,360 74,208,918 59,991,887 738,632 730,598 39,414 57,211 778,046 787,809 95,252 154,069 20,941 36,110 36,251 7,740 152,444 197,919 116,472,105 94,698,769 1,052,800 1,558,146 933,010 1,159,421 1,094,119 1,163,547 1,334,006 286,155 3,241 6,968 4,417,176 4,174,237 33,600 1,293,900 248,857 261,113 89,287 124,615 371,744 1,679,628 118

108,193,204 5,242,139 2,260,061 513,701 236,646 116,445,751 720,363 210,049 460,035 278,115 236,646 1,905,208 0.67 4.01 20.35 54.14 100.00 1.64 3,993,389 233,441 145,797 33,348 7,180 4,413,155 14,496 14,005 46,701 21,456 7,180 103,838 0.36 6.00 32.03 64.34 100.00 2.35 673,588 101,725 2,263 5,956 10,183 793,715 3,368 2,035 453 4,174 10,183 20,213 0.50 2.00 20.02 70.08 100.00 2.55 11,306 4,695 19,784 5,521 11,124 52,430 57 482 3,957 2,762 11,124 18,382 0.50 10.27 20.00 50.03 100.00 35.06 5,095,728 360,890 113 254,677 37,398 5,748,806 50,957 43,307 23 152,806 37,398 284,491 1.00 12.00 20.35 60.00 100.00 4.95 371,744 - - - - 371,744 - - - - - - - - - - - - 1,174,838 32,937 57,779 9,584 875 1,276,013 5,874 1,339 12,288 7,834 875 28,210 0.50 4.07 21.27 81.74 100.00 2.21 - - 2,103 5,540-7,643 - - 1,144 4,229-5,373 - - 54.40 76.33-70.30 1* 119,513,797 5,975,827 2,487,900 828,327 303,406 129,109,257 2* 795,115 271,217 524,601 471,376 303,406 2,365,715 0.67 4.54 21.09 56.91 100.00 1.83 1*. 2* 119

2002 2001 1 1,377,891 3,488,985 140,000 140,000 3-678,500 10 2,040 51,691, 1,519,931 4,359,176 ( : ) 2002 2001 2,378,696 2,271,179 2,287 43,823 131,455 50,387 690,562 480,501 190,417 374,577 45,755 35,750 1,087 1,996 120

2003214 121

0.50% 0.75% 1.0% 2.00% 8.0% 12.0% 20.00% 20.0% 20.0% 50.00% 55.0% 60.0% 100.00% 100.0% 100.0% 122

123

(Consolidated Balance Sheet) 220021231 120011231 2 (Amount) ( : (Unit : Million Won)) 1 (Amount) 4,790,636 7,842,446 21,156 28,868 2,393,118 2,553,714 186,780 147,314 1,688,995 4,840,695 542,899 329,591 9,273,445 11,634,338 95,501 56,590 976,166 1,769,831 1,388,997 2,102,761 2,731,459 2,839,845 3,862,439 4,148,264 11,842 58,128 207,041 658,919 27,588,861 26,653,008 737,239 924,178 52,234 68,079 4,609,487 3,795,572 3,191,214 3,317,256 12,516,526 13,174,726 5,162,573 3,762,445 1,269,839 1,409,739 47,835 198,934 1,914 2,079 135,143,612 116,340,721 3,311,861 2,641,170 30,509 77,987 124

2 (Amount) 1 (Amount) 116,744,634 94,786,985 4,259,199 4,519,184 37,415 51,077 756,300 1,006,095 52,543 200,126 14,967,546 14,088,834-640,000 318,628 1,496,917 1,285,279 1,999,579 7,643 219,048 56,795 52,033 3,360,158 3,291,295 3,556,711 3,176,390 832,348 586,414 632,115 694,135 4,767 9,180 1,087 1,996 6,969,562 6,836,998 93,263 204,986 89 20,258 1,342,223 1,251,727 1,887,952 1,764,224 1,278,215 1,344,564 59,331 108,150 148,825 54,664 188,068 147,839 668,049 277,699 1,087,587 1,490,602 93 358,102-234,227 361,444 313,511 41,127 185,387 187,126,274 172,598,806 125

2 (Amount) 1 (Amount) 126,890,960 120,448,949 122,634,867 118,177,330 1,212,004 1,117,563 3,044,089 1,154,056 15,473,094 17,072,682-34,829 8,841,863 8,207,395 3,140,751 3,037,514 3,074,161 2,955,442 72,860 79,443 37,493 126,501 305,966 2,701,216 23,450,346 13,861,215 22,835,348 12,622,610 273,702 124,561 891,161 1,369,967 2,461 6,801 10,956,773 11,939,004 150,483 61,251 206 375 99,161 35,611 2,304 43,823 633,555 1,466,530 2,415,205 1,486,297 5,257,319 5,450,696 253,593 138,079 152,423 169,965 92,425 147,920 108,705 154,312 56 824 126

2 (Amount) 1 (Amount) 289,081 264,254 526,887 271,955 541,757 1,443,480 486,413 705,727 145,934 169,877 176,771,173 163,321,850 1,641,293 1,498,487 1,641,293 1,498,487 5,968,401 5,745,002 5,287,708 5,107,251 680,693 637,751 2,462,235 1,519,064 545,740 413,740 40,760 40,760 1,827,700 960,700 2,492 7,158 45,543 96,706 <1,271,308> <836,875> 30,817 205,274 148,973 1,363-89,900 178,046 90,716 397 26,021 1,347 252,355 309,129 10,355,101 9,276,956 187,126,274 172,598,806 127

(Consolidated Income Statement) 2200211 20021231 1200111 20011231 2 (Amount) ( : (Unit : Million Won)) 1 (Amount) 18,863,597 13,628,853 1 13,088,437 8,304,107 56,412 91,986 369,631 379,593 2,059,765 1,864,045 10,472,306 5,824,121 130,323 144,362 2,571,278 2,157,852 694,896 369,034 9,056 8,247 1,672,160 1,745,197 194,841 32,828 325 2,546 3,203,882 3,166,894 155,802 196,916 118,486 13,325 1,234 495 13,575 7,138 212,832 398,630 259,324 215,618 37,436 8,790 1,776,807 2,136,038 601,786 164,625-14,077 26,600 11,242 128

2 (Amount) 1 (Amount) 16,907,388 12,092,709 7,007,955 5,501,617 4,982,936 3,783,808 735,982 703,912 1,236,299 947,119 52,738 66,778 862,507 436,417 247,302 197,009 595,263 239,408 19,942-6,059,451 4,389,825 61,262 147,566-27,755 246,090 270,697 150,780 88,027 3,196,161 1,414,178 1,625,534 2,103,513 558,438 231,844 9,213 1,540 211,973 104,705 2,977,475 1,764,850 1,242,815 625,156 114,023 124,853 290,932 385,376 62,692 27,516 365,073 183,492 80,398 13,967 121,511 74,407 174,566 73,676 110,091 40,312 117,744 55,651 297,630 160,444 129

2 (Amount) 1 (Amount) 1,956,209 1,536,144 763,922 332,165 1,968 2,694 3,337 3,025-3,185 392,980 137,513 15,318 617 12,380 7,663 2,022 85,519 16,627 1,650 319,290 90,299 901,699 512,004 8,369 20,269 17,484-204,754 48,283 297,883 14,181 78,512 111,764 114,271 163,955 48,775 38,925 131,651 114,627 1,818,432 1,356,305-161,527 1,818,432 1,517,832 612,384 560,400 1,206,048 957,432 4,195 120,560 69,455 3 1,271,308 836,875 130

2200211 20021231 1200111 20011231 ( : ) 2001.1.1( ) 1,698,067 1,647,292 708,156 17,100 215,251 4,251,666 219,445 4,067,855 - - - 3,848,410 19,865 15,069 - - - 34,934-14,336 - - - 14,336 - - 836,875 - - 836,875 - - 119,867 89,900-29,967 - - 32,427 - - 32,427-450 - 39,673-40,123 - - - 67,294-67,294 - - - 25,507-25,507 - - - - 93,878 93,878 - - 61,473 - - 61,473 2001.12.31( ) 1,498,487 5,745,002 1,519,064 205,274 309,129 9,276,956 2002.1.1( ) 1,498,487 5,745,002 1,519,064 205,274 309,129 9,276,956 52,906 181,194 - - - 234,100-42,610 4,294-14,965 53,281 - - 1,271,308 - - 1,271,308 - - 325,234-6,883 332,117 89,900-89,900 - - - 3,360 - - 3,360 - - - 147,610-147,610 - - - 87,330 34 87,364 - - - 25,624 395 25,229 - - - - 65,260 65,260-405 1,969 1,347 25 1,052 2002.12.31( ) 1,641,293 5,968,401 2,462,235 30,817 252,355 10,355,101 131

132 2200211 20021231 1200111 20011231 ( : ) 2 1. 1. 2. 3. ( ) 4,468,981 1,271,308 7,069,246 61,262-246,090 3,196,161 2,193,185 114,023 365,073 80,398 8,369 17,484 204,754 297,883 78,512 114,271 73,864 13,722 4,195 3,450,441 155,802 118,486 212,832 2,378,593 1,968-392,980 15,318 12,380 2,022 16,627 37,436-69,455 36,542 1,799,435 836,875 5,037,738 147,566 27,755 270,697 1,414,178 2,336,897 124,853 183,492 13,967 20,269-48,283 14,181 111,764 163,955 27,946 11,375 120,560 3,487,307 196,916 13,325 398,630 2,314,740 2,694 3,185 137,513 617 7,663 85,519 1,650 8,790 160,861 3 155,201

133 2 1 4. ( ) ( ). ( ) ( ) ( ) ( ) ( ) ( ). ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ).. (+++).. (421,132) 13,225 (94,532) (40,229) (15,409) (202,531) (7,436) (29) (55,480) 69,148 (24,034) (63,894) 69 (17,581,354) 2,797,251 2,507,440 (959,556) (21,183,846) 17,749 (706,195) (103,536) 3,197 (94,831) (312,077) 46,528 51,339 403,014 (47,933) 102 12,868,244 6,442,197 (1,972,051) 9,839,721 (832,975) 654,575 (47,337) (37,949) (901,723) (219,313) 117,279 1,928 (149,704) (737) (26,742) - 1,075 (18,143) (262,272) 3,469,520 3,207,248 (587,871) 310,056 (3,552) 85,910 (99,809) (202,020) (8,425) 824 (50,306) 36,397 (655,644) (27,821) 26,519 (17,675,045) (2,112,025) (3,581,594) (1,376,433) (8,836,726) 26,531 (479,701) (3,793) 6,106 (39,636) (156,823) (31,121) (178,540) (597,866) (313,510) 86 15,195,864 11,503,007 4,000,529 (2,880,627) (51,247) (14,703) (165,070) 26,226 496,474 385,152 28,930 1,036 (162,684) (221) - 2,055,741 (26,679) - (679,746) 4,149,266 3,469,520

2002 2001 12 31 54,365,028 74.27 % 54,365,028 74.27 % 12 31 799,800 99.98 799,800 99.98 3 31 3,999,200 99.98 3,999,200 99.98 1* 12 31 8,941,587 99.89 6,399,930 99.99 K.B. Luxemburg S.A. 12 31 70,000 100.00 70,000 100.00 Kookmin Finance Hong Kong Ltd. 12 31 2,000,000 100.00 2,000,000 100.00 K.B. Int'l Ltd.(London) 12 31 20,000,000 100.00 20,000,000 100.00 2* 3 31 6,134,040 80.00 6,134,040 80.00 3 * KB 12 31 15,999,930 99.99 15,999,930 99.99 4 * KB 12 31 867,716 69.28 504,000 50.00 5 * 3 31 - - 36,541,400 88.66 1* 12 31 - - 8,855,024 94.11 1* 12 31 - - 4,599,965 99.99 Kookmin Finance Asia Ltd. (HK) 6 * 12 31 - - 2,000,000 100.00 Kookmin Leasing & Finance 7 * 12 31 - - 20,000,000 100.00 8 * 3 31 - - 16,960,000 85.43 9 * 12 31 - - 1,999,910 99.99 10 * 12 31 - - 1,999,910 99.99 ING 331 280,000 20.00 1,400,000 20.00 12 * 12 31 1,005,000 49.79 1,005,000 49.79 11 * 12 31 6,000,000 26.67 6,000,000 28.22 12 * 12 31 419,049 21.14 - - 9 * 12 31 1,999,910 99.99 - - Kookmin Finance Asia Ltd. (HK) 6 * 12 31 2,000,000 100.00 - - 1* 20011231 2002627. 2* 2002610. 3* 2002916 KB. 4* KM 200252, KB. 5* 20021227. 6* Kookmin Finance Asia Ltd. (HK) 20021231. 7* Kookmin Leasing & Finance. 8* 14.97%. 9* 2002319. 10*. 11* 20021221,. 12*. 134