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. 01 2011. 05 2011. 05 2011. 06 2011. 12 2012. 01 2012. 01 2012. 03 2012. 03 2012. 04 2012. 04 2012. 05 2012. 08 2012. 08 2012. 08 2012. 10 2013. 02 2013. 03 2013. 07 2013. 07 2013. 09 2013. 09 2013. 10 2013. 10 2013. 10 2013. 10 2013. 12 2014. 02 2014. 03 2014. 04 2014. 06 2014. 07 2014. 10 2014. 10 2014. 10 2014. 11 2015. 01 2015. 01 2015. 02 2015. 06 2015. 09 2015. 10 2015. 12 6 2015 DGB Financial Group Report

1967. 10 1969. 10 1972. 05 1973. 10 1975. 01 1978. 11 1979. 10 1983. 02 1985. 03 1985. 04 1985. 05 1987. 02 1987. 09 1988. 05 1989. 03 1989. 06 1989. 07 1989. 10 1991. 09 1991. 12 1995. 02 1995. 06 1997. 02 1997. 02 1997. 07 1998. 10 1998. 10 1998. 11 1999. 02 1999. 02 1999. 06 1999. 11 2000. 05 2000. 07 2001. 06 2001. 08 2001. 09 2002. 05 2002. 07 2002. 08 2003. 03 2003. 07 2015 DGB Financial Group Report 7

2003. 09 2003. 10 2004. 01 2004. 03 2004. 06 2004. 08 2005. 10 2005. 11 2006. 06 2006. 09 2007. 06 2007. 08 2007. 10 2007. 12 2008. 01 2008. 02 2008. 04 2008. 10 2008. 11 2009. 01 2009. 02 2009. 02 2009. 03 2009. 07 2009. 09 2009. 10 2009. 10 2009. 10 2009. 10 2009. 11 2009. 12 2009. 12 2010. 01 2010. 03 2010. 06 2010. 09 2010. 10 2010. 10 2010. 11 2010. 11 2010. 12 8 2015 DGB Financial Group Report

2010. 12 2011. 03 2011. 04 2011. 04 2011. 04 2011. 05 2011. 05 2011. 06 2011. 09 2011. 10 2011. 10 2011. 11 2011. 12 2011. 12 2012. 01 2012. 02 2012. 04 2012. 10 2012. 11 2012. 12 2013. 02 2013. 03 2013. 04 2013. 04 2013. 11 2013. 12 2014. 03 2014. 04 2014. 06 2014. 09 2014. 10 2014. 11 2014. 12 2015 DGB Financial Group Report 9

2015.02 2015.03 2015.03 2015.03 2015.04 2015.04 2015.06 2015.07 2015.09 2015.09 2015.09 2015.10 2015.10 2015.10 2015.10 2015.11 2015.12 2015.12 2015.12 2015.12 2015.12 2015.12 1987. 10 1987. 12 1988. 01 1988. 01 1988. 02 1988. 03 1988. 05 1988. 06 1988. 11 1989. 09 1990. 05 1991. 03 1993. 01 1999. 12 10 2015 DGB Financial Group Report

2000. 01 2000. 05 2001. 12 2004. 11 2005. 06 2006. 04 2007. 03 2008. 04 2008. 04 2010. 09 2014. 06 2015. 01 2015. 06 2015. 12 2009. 09 2009. 11 2012. 01 2012. 04 2013. 01 2013. 04 2013. 04 2013. 05 2013. 08 2014. 01 2014. 01 2014. 04 2014. 08 2015. 02 2015 DGB Financial Group Report 11

1999. 12 2000. 01 2000. 03 2000. 11 2001. 03 2001. 05 2001. 12 2002. 03 2002. 05 2002. 07 2002. 09 2003. 07 2003. 07 2004. 04 2004. 10 2005. 11 2006. 02 2006. 04 2006. 09 2006. 09 2006. 10 2007. 01 2007. 02 2007. 04 2007. 05 2008. 02 2008. 08 2008. 08 2008. 09 2008. 12 2009. 01 2009. 02 2009. 03 2009. 07 2010. 01 2010. 01 2010. 01 2010. 02 2010. 02 2010. 10 2011. 05 2011. 09 12 2015 DGB Financial Group Report

2011. 11 2012. 04 2012. 09 2012. 10 2012. 10 2013. 03 2013. 06 2013. 09 2013. 10 2013. 11 2014. 01 2014. 04 2014. 08 2014. 10 2014. 12 2015. 04 2015. 06 2015. 06 2015. 08 2015. 08 2015. 11 2015 DGB Financial Group Report 13

2012. 04 2012. 12 2013. 04 2013. 05 2013. 06 2013. 10 2014. 02 2014. 02 2014. 08 2014. 12 2015. 03 2015. 04 2015. 04 2015. 05 2015. 05 2015. 05 2015. 05 2015. 07 2015. 07 2015. 10 2015. 10 2000. 07 2000. 08 2000. 08 2000. 12 2001. 01 2004. 11 2011. 05 2012. 05 2012. 12 2014. 03 2015. 08 14 2015 DGB Financial Group Report

2015 DGB Financial Group Report 15

16 2015 DGB Financial Group Report

(100%) (99.52%) (100%) (100%) (100%) (100%) 2015 DGB Financial Group Report 17

(2015.12. 31 ) 1 1 185 69 1 1 256 40 40 6 1 6 1 1 1 1 1 235 69 1 1 306 (2015.12. 31 ) 4 5 56 65 10 5 3,075 3,090 7 4 255 266 2 2 2 2 134 27 138 31 2 2 79 83 2 2 40 44 29 22 3,666 3,717 18 2015 DGB Financial Group Report

(2015. 12. 31 ) 2014.03 2015.12 2016.03 2015.12 (2015.12. 31 ) 1967.10.07 (2011.05.17) 6,806 136,125,000 100% 1988. 2.22 (2015.01.29) 1,737 34,573,773 99.52% 2009.09.14 (2012.01.10) 1,210 24,200,000 100% 1999.12.27 (2013.03.08) 126 2,511,415 100% 2012.04.09 (2012.04.09) 60 1,200,000 100% 2000.07.05 (2011.05.17) 30 600,000 100% 2015 DGB Financial Group Report 19

2011. 05. 17 134,053,154 6,703 2015. 01. 22 35,000,000 1,750 8,453 1998 100,420,000 5,021 5,021 1999. 11. 22 20,000,000 1,000 6,021 2002. 04. 16 ~2002. 05. 17 11,705,000 585 6,606 2015. 02. 11 4,000,000 200 6,806 2010. 09. 15 8,737,739 437 737 2015. 06. 25 10,002,071 500 1,237 2015. 12. 18 10,001,533 500 1,737 2012. 01. 10 12,200,000 610 2013. 04. 19 10,000,000 500 1,110 2015. 02. 11 2,000,000 100 1,210 2013. 03. 07 2,511,415 126 20 2015 DGB Financial Group Report

2012. 04. 09 1,200,000 60 2000. 07. 05 300,000 2012. 05. 02 300,000 15 15 30 (2015. 12. 31 ) 1 11,755,894 6.95 2 THE OAKMARK INTERNATIONAL SMALL CAP FUND 7,908,548 4.68 3 7,696,545 4.55 4 6,335,417 3.75 5 ABERDEEN GLOBAL 5,904,708 3.49 6 PEOPLES BANK OF CHINA 2,668,185 1.58 7 SAUDI ARABIAN MONETARY AGENCY 2,398,617 1.42 8 BEST INVESTMENT CORPORATION 2,389,472 1.41 9 THE GOVERNMENT OF SINGAPORE 2,333,154 1.38 10 ABU DHABI INVESTMENT AUTHORITY 1,950,321 1.15 11 NORGES BANK 1,891,536 1.12 12 115,820,757 68.52 2015 DGB Financial Group Report 21

(2015. 12. 31 ) 2 0.01 70,529 0.04 18 0.07 161,877 0.10 3 0.01 12,010,531 7.10 149 0.60 8,987,134 5.32 6 0.02 1,187,155 0.70 1 0.00 2,551,920 1.51 2 0.01 27,737 0.02 866 3.47 117,664,300 69.60 23,899 95.80 26,391,971 15.61 24,946 100 169,053,154 100 749 3.00 114,973,454 68.01 (2015. 12. 31 ) 902 3.62 157,159,981 92.96 445 1.78 3,190,520 1.89 2,405 9.64 5,482,209 3.24 1,846 7.40 1,392,390 0.82 19,348 77.56 1,828,054 1.08 24,946 100 169,053,154 100 22 2015 DGB Financial Group Report

5.60 280 346 81.69 6.40 320 362 88.32 10.88 544 1,824 28.31 9.08 454 1,783 24.03 938 3.30 165 224 74.23 3.60 180 384 46.87 (962) (141) 607 422 (15) 523 2015 DGB Financial Group Report 23

) 5,931 5,089 842 2,550 2,054 496 2,232 1,786 446 266 206 60 52 62 (10) 53 137 (84) 12 34 (22) 41 103 (62) 351 734 (383) 3,083 2,438 645 142 141 1 2,941 2,297 644 ) 603 492 111 25 6 19 1 (1) 5 5 20 20 3 3 3 3 1 8 (7) 579 486 93 (1) 1 579 485 94 2015 DGB Financial Group Report 25

) 5,101 5,002 99 2,260 1,938 322 1,969 1,677 292 1 259 200 59 32 61 (29) 52 137 (85) 12 34 (22) 40 103 (63) 275 699 (424) 2,618 2,502 116 2,618 2,502 116 ) 164 164 82 82 64 64 18 18 20 20 20 20 (88) (88) 190 190 190 190 26 2015 DGB Financial Group Report

) 273 222 51 201 111 90 197 108 88 4 3 1 18 26 (8) 54 85 (31) 54 85 (31) 2015 DGB Financial Group Report 27

2015 DGB Financial Group Report 28 321,558 7,562 18,781 1,000 27,990 83,707 460,598 3,263 5,120 178 3,469 129 12,159 472,757 37,772 548 367 38,687 511,444 13,865 81,278 318,757 1,500 3,773 48,346 467,519 2,858 1,439 5,414 2,403 887 1,370 14,371 481,890 4,202 3,767 21,585 29,554 511,444 62.87 1.48 3.67 0.20 5.47 16.37 90.06 0.64 1.00 0.03 0.68 0.03 2.38 92.44 7.39 0.11 0.07 7.56 100 2.71 15.89 62.32 0.29 0.74 9.45 91.41 0.56 0.28 1.06 0.47 0.17 0.27 2.81 94.22 0.82 0.74 4.22 5.78 100 1.60 2.11 1.65 1.60 3.53 0.11 0.60 1.38 1.74 1.69 2.89 3.80 1.60 24.89 0.21 1.51 1.85 0.39 1.77 307,470 7,621 16,526 1,100 25,278 32,972 390,967 2,932 4,761 3,223 478 11,394 402,361 6,703 594 439 7,736 410,097 12,313 74,491 283,761 1,000 4,045 6,814 382,424 1,298 1,164 5,534 1,880 846 414 11,135 393,559 3,349 3,360 9,829 16,538 410,097 74.97 1.86 4.03 0.27 6.16 8.04 95.33 0.71 1.16 0.79 0.12 2.78 98.11 1.63 0.14 0.13 1.89 100.00 3.00 18.16 69.19 0.24 0.99 1.66 93.24 0.32 0.28 1.35 0.46 0.21 0.10 2.72 95.96 0.82 0.82 2.40 4.04 100.00 1.99 2.73 1.91 2.33 4.35 0.07 0.84 1.43 2.50 3.46 4.79 2.37 23.76 0.55 1.61 1.96 0.79 2.26

2015 DGB Financial Group Report 29 5,191 5,191 5,191 24,907 272 25,179 30,370 94 26,909 2,344 29,347 29,347 1,023 1,023 30,370 17.09 17.09 17.09 82.01 0.90 82.91 100.00 0.31 88.60 7.72 96.63 96.63 3.37 3.37 100.00 173 2 95 3.63 1.63 3.67 4,691 4,691 4,691 21,624 2 221 21,847 26,539 52 22,209 3,341 25,602 25,602 1 936 937 26,539 17.68 17.68 17.68 81.48 0.01 0.83 82.32 100.00 0.20 83.68 12.59 96.47 96.47 0.01 3.52 3.53 100.00 165 6 121 3.68 2.48 3.85

2015 DGB Financial Group Report 30 303,800 7,028 16,219 1,892 36,630 365,569 3,485 4,579 114 3,362 399 11,939 377,508 34,471 507 20,243 55,221 432,729 1,850 73,593 298,063 (79,860) (218,203) 5 2,306 1,131 3,972 (80) 5,396 2,708 383,608 1,397 1,436 5,864 1,556 1,035 14 85 11,217 394,825 2,846 3,399 31,659 37,904 432,729 70.21 1.62 3.75 0.44 8.46 84.48 0.81 1.06 0.03 0.78 0.09 2.76 87.24 7.97 0.12 4.68 12.76 100.00 0.43 17.01 68.88 18.45 50.42 0.00 0.53 0.26 0.92 0.02 1.25 0.63 88.65 0.32 0.33 1.36 0.36 0.24 0.00 0.02 2.59 91.24 0.66 0.79 7.31 8.76 100.00 4,858 148 267 30 811 6,114 4 27 2 58 2 93 6,207 6,207 31 2,125 11,319 (3,012) (8,307) 37 62 989 (9) 268 14,831 3 22 109 6 18 158 14,989 14,989 1.60 2.11 1.65 1.60 2.21 1.67 0.11 0.60 1.38 1.74 0.46 0.78 1.64 1.43 1.69 2.89 3.80 3.77 (3.81) 0.00 1.60 5.50 24.89 11.16 4.97 3.87 0.21 1.51 1.85 0.39 1.77 0.02 1.41 3.80 3.46 268,534 7,704 16,935 2,331 30,949 326,453 2,828 4,398 30 3,091 489 10,836 337,289 30,713 487 16,075 47,275 384,564 1,845 70,227 261,703 (67,897) (193,806) 2 1,388 1,442 4,085 (64) 4,414 2,756 342,350 810 1,272 5,446 1,765 1,027 16 80 10,256 352,606 2,667 3,176 26,115 31,958 384,564 69.83 2.00 4.40 0.61 8.05 84.89 0.74 1.14 0.01 0.80 0.13 2.82 87.71 7.99 0.13 4.18 12.29 100.00 0.48 18.26 68.05 17.66 50.40 0.00 0.36 0.37 1.06 0.02 1.15 0.72 89.02 0.21 0.33 1.42 0.46 0.27 0.00 0.02 2.67 91.69 0.69 0.83 6.79 8.31 100.00 5,348 210 323 54 928 6,863 2 37 44 3 86 6,949 6,949 46 2,428 11,902 (3,105) (8,797) 33 77 971 (7) 322 15,779 4 20 107 14 23 168 15,947 15,947 1.99 2.73 1.91 2.33 3.00 2.10 0.74 1.14 0.01 0.80 0.13 0.79 2.06 1.81 2.50 3.46 4.55 (4.57) (4.54) 0.35 2.37 5.31 23.76 (11.30) 7.29 4.61 0.55 1.61 1.96 0.79 2.26 0.02 1.64 4.52 4.15

2015 DGB Financial Group Report 31 498 47,603 48,101 48,101 2,199 47 1,270 3,516 51,617 2,984 41,382 3,555 47,920 47,920 370 3,327 3,697 51,617 0.97 92.22 93.19 93.19 4.26 0.09 2.46 6.81 100.00 5.78 80.17 6.89 92.84 92.84 0.72 6.45 7.16 100.00 26 133 1,366 203 5.26 4.46 3.30 5.71

2015 DGB Financial Group Report 32 3,455 3,412 6,867 6,867 2,192 1,620 3,812 10,679 405 0 10,226 10,631 10,631 9 39 48 10,679 32.35 31.95 64.30 64.30 20.53 15.17 35.70 100 3.79 0.00 95.76 99.55 99.55 0.08 0.36 0.45 100 118 103 220 220 220 8 726 734 734 734 3.40 3.02 3.21 3.21 2.06 1.96 7.02 6.82 6.82 6.82 3,620 1,675 5,295 5,295 1,270 1,291 2,562 7,857 246 8 7,553 7,807 7,807 8 42 50 7,857 46.08 21.32 67.39 67.39 16.17 16.44 32.61 100 3.13 0 96.13 99.36 99.36 0 0.54 0.64 100 137 62 199 199 199 6 567 574 574 574 3.78 3.70 3.75 3.75 2.53 2.50 6.91 6.77 6.77 6.77

17,767 164 3,339 14,096 168 6,162 4,585 497 970 111 11,605 1,411 1,277 40 94 630 209 421 781 9,603 9,882 (279) 6,296 157 3,542 83 869 29 1,226 390 14,973 151 3,489 49 113 23 1,230 2,287 6,272 1,359 (8,677) 35,077 3,430 3,434 3,083 2,941 17,113 54 2,544 14,404 111 6,894 5,220 570 998 107 10,219 1,251 1,125 39 87 580 160 420 671 4,129 112 2,424 100 400 93 715 285 11,780 108 2,248 0 85 3 687 2,042 5,440 1,167 (7,651) 22,494 3,239 3,172 2,438 2,297 654 110 795 (308) 57 (732) (635) (73) (28) 4 1,386 160 152 1 7 50 49 1 110 9,603 9,882 (279) 2,167 45 1,118 (17) 469 (64) 511 105 3,193 43 1,241 40 28 20 543 245 832 192 (1,026) 12,583 191 262 645 644 2015 DGB Financial Group Report 33

2015 DGB Financial Group Report 34 99 2 95 2 173 173 (74) 10 10 (10) 784 784 117 117 667 883 583 580 579 581 579 127 6 121 165 165 (38) 28 28 (28) 640 640 83 1 82 556 768 491 486 486 485 486 (28) (4) (26) 2 8 8 (36) (18) (18) 18 144 144 34 (1) 35 111 115 92 94 93 96 93

2015 DGB Financial Group Report 35 15,618 34 2,228 13,311 45 5,779 4,592 507 672 8 9,839 1,331 1,197 40 94 572 148 424 759 6,005 156 3,542 61 760 29 1,226 231 13,677 150 3,481 43 101 23 1,230 2,025 5,451 1,173 (7,672) 22,954 2,926 2,893 2,618 1,570 2,618 16,544 51 2,544 13,888 61 6,598 5,224 595 771 8 9,946 1,241 1,120 39 82 536 117 419 705 3,950 101 2,424 100 400 93 714 118 11,363 101 2,248 85 3 685 1,932 5,268 1,041 (7,413) 21,735 3,238 3,201 2,502 2,280 2,502 (926) (17) (316) (577) (16) (819) (632) (88) (99) (107) 90 77 1 12 36 31 5 54 2,055 55 1,118 (39) 360 (64) 512 113 2,314 49 1,233 43 16 20 545 93 183 132 (259) 1,219 (312) (308) 116 (710) 116

1,702 120 1,366 203 14 29 27 3 1,673 9,606 7,146 2,460 124 10 71 42 1,230 2 167 1,061 (1,107) 11,432 3,026 101 190 188 190 1,702 120 1,366 203 14 29 27 3 1,673 9,606 7,146 2,460 124 10 71 42 1,230 2 167 1,061 (1,107) 11,432 3,026 101 190 188 190 36 2015 DGB Financial Group Report

2015 DGB Financial Group Report 37 702 8 694 288 118 103 68 414 16 16 18 11 7 (2) 20 1 1 19 362 1 8 197 123 33 (341) 738 70 71 54 54 54 574 6 567 255 137 62 56 319 11 11 10 6 4 1 27 11 1 15 237 6 2 108 86 35 (210) 611 110 111 85 89 85 128 2 126 33 (19) 41 11 95 5 5 8 5 3 (3) (7) (10) 4 125 (5) 8 (2) 88 37 (1) (131) 127 (39) (40) (31) (35) (31)

20,925 2,941 2,589 40,655 76,184 360,526 3,767 3,857 511,444 334,934 64,754 49,405 24,580 473,673 37,771 511,444 4.09 0.58 0.51 7.95 14.90 70.49 0.74 0.75 100.00 65.49 12.66 9.66 4.81 92.61 7.39 100.00 17,602 2,980 1,360 24,243 45,200 313,041 166 3,360 2,145 410,097 307,470 56,460 14,052 377,982 32,115 410,097 4.29 0.73 0.33 5.91 11.02 76.33 0.04 0.82 0.53 100.00 81.35 14.94 3.72 92.17 7.83 100.00 30,370 442,724 53,347 12,583 368 83 47 5,463 408,058 50,491 10,305 250 7 2 24,907 34,666 2,856 2,278 118 76 45 26,539 398,070 9,583 400 75 48 4,915 366,984 8,317 258 6 2 21,624 31,086 1,266 142 69 46 2015 DGB Financial Group Report 39

2015 DGB Financial Group Report 40 321,558 7,562 18,781 1,000 27,990 83,707 460,598 3,263 5,120 178 3,469 129 12,159 472,757 37,772 548 367 38,687 511,444 13,865 81,278 318,757 1,500 3,773 48,346 467,519 2,858 1,439 5,414 2,403 887 1,370 14,371 481,890 4,202 3,767 21,585 29,554 511,444 62.87 1.48 3.67 0.20 5.47 16.37 90.06 0.64 1.00 0.03 0.68 0.03 2.38 92.44 7.39 0.11 0.07 7.56 100.00 2.71 15.89 62.32 0.29 0.74 9.45 91.41 0.56 0.28 1.06 0.47 0.17 0.27 2.81 94.22 0.82 0.74 4.22 5.78 100.00 307,470 7,621 16,526 1,100 25,278 32,972 390,967 2,932 4,761 3,223 478 11,394 402,361 6,703 594 439 7,736 410,097 12,313 74,491 283,761 1,000 4,045 6,814 382,424 1,298 1,164 5,534 1,880 846 414 11,135 393,559 3,349 3,360 9,829 16,538 410,097 74.97 1.86 4.03 0.27 6.16 8.04 95.33 0.71 1.16 0.79 0.12 2.78 98.11 1.63 0.14 0.11 1.89 100.00 3.00 18.16 69.19 0.24 0.99 1.66 93.25 0.32 0.28 1.35 0.46 0.21 0.10 2.72 95.96 0.82 0.82 2.40 4.04 100.00

2015 DGB Financial Group Report 41 5,191 5,191 5,191 24,907 272 25,179 30,370 2,344 26,909 94 29,347 29,347 1,023 1,023 30,370 17.09 17.09 17.09 82.01 0.90 82.91 100.00 7.72 88.60 0.31 96.63 96.63 3.37 3.37 100.00 4,691 4,691 4,691 21,624 2 221 21,847 26,539 3,341 22,209 52 25,602 25,602 1 936 937 26,539 17.68 17.68 17.68 81.48 0.01 0.83 82.32 100.00 12.59 83.68 0.20 96.47 96.47 0.01 3.52 3.53 100.00

2015 DGB Financial Group Report 42 303,800 7,028 16,219 1,892 17,417 19,213 365,569 3,485 4,579 114 3,362 399 11,939 377,508 34,471 507 20,243 55,221 432,729 1,850 73,593 298,063 79,860 218,203 5 2,306 1,131 3,972 5,396 2,708 383,608 1,397 1,436 5,864 1,556 1,035 14 85 11,217 394,825 2,846 3,399 31,659 37,904 432,729 70.21 1.62 3.75 0.44 4.02 4.44 84.48 0.81 1.06 0.03 0.78 0.09 2.76 87.24 7.97 0.12 4.68 12.76 100.00 0.43 17.01 68.88 18.45 50.42 0.00 0.53 0.26 0.92 1.25 0.63 88.65 0.32 0.33 1.36 0.36 0.24 0.00 0.02 2.59 91.24 0.66 0.79 7.32 8.76 100.00 268,534 7,704 16,935 2,331 15,792 15,157 326,453 2,828 4,398 30 3,091 489 10,836 337,289 30,713 487 16,075 47,275 384,564 1,845 70,227 261,703 67,897 193,806 2 1,388 1,442 4,085 4,414 2,756 342,350 810 1,272 5,446 1,765 1,027 16 80 10,256 352,606 2,667 3,176 26,115 31,958 384,564 69.83 2.00 4.40 0.61 4.11 3.94 84.89 0.74 1.14 0.01 0.80 0.13 2.82 87.71 7.99 0.13 4.18 12.29 100.00 0.48 18.26 68.05 17.66 50.40 0.00 0.36 0.37 1.06 1.15 0.72 89.02 0.21 0.33 1.42 0.46 0.27 0.00 0.02 2.67 91.69 0.69 0.83 6.79 8.31 100.00

2015 DGB Financial Group Report 43 6,867 2,192 1,620 10,679 405 10,226 9 39 10,679 64.30 20.53 0.00 15.17 100.00 3.79 95.76 0.08 0.36 100.00 5,295 1,270 1,291 7,857 246 7,553 8 8 42 7,857 67.39 16.17 16.44 100.00 3.13 96.13 0.10 0.10 0.54 100.00 498 47,603 2,199 47 1,270 51,617 2,984 3,555 41,382 370 3,326 51,617 0.97 92.22 4.26 0.09 2.46 100.00 5.78 6.89 80.17 0.72 6.45 100.00

2,523 2,501 (22) 2,622 2,589 (33) 40,153 40,655 502 78,129 78,129 5 5 26,909 26,909 208 213 5 1,660 1,622 (38) 27,255 27,732 477 45,528 45,528 967 966 (1) 12,675 12,923 248 29,554 29,554 44 2015 DGB Financial Group Report

685 2,858 1,439 9,389 14,371 3,263 5,295 3,469 130 12,157 643 1,298 1,164 8,259 11,364 2,932 4,761 3,223 219 11,135 42 1,560 275 1,130 3,007 331 534 246 (89) 1,022 685 2,858 1,439 9,389 14,371 3,263 5,295 3,469 130 12,157 643 1,298 1,164 8,259 11,364 2,932 4,761 3,223 219 11,135 42 1,560 275 1,130 3,007 331 534 246 (89) 1,022 2015 DGB Financial Group Report 45

3,603 14 133 221 3,971 3,241 26 148 212 3,627 175 93 1,666 1,934 163 100 1,389 1,652 1 2,043 2,044 1 1 644 646 46 2015 DGB Financial Group Report

6 20 26 9 9 2015 DGB Financial Group Report 47

3,187 14 133 190 3,524 3,154 26 148 209 3,538 171 93 1,576 1,840 163 100 1,309 1,572 1 2,043 2,044 1 1 644 646 48 2015 DGB Financial Group Report

216 216 2015 DGB Financial Group Report 49

201 3 204 87 2 89 4 90 94 80 80 50 2015 DGB Financial Group Report

340,362 3,483 4,385 305,043 2,976 3,519 2,350 3,350 324,190 3,082 3,999 296,088 2,844 3,436 3,801 201 201 2015 DGB Financial Group Report 51

12,441 200 195 9,024 133 83 52 2015 DGB Financial Group Report

49,953,585 3,102,386 4,058,563 5,310,730 226,131,197 50,822,745 1,490,127 6,472,001 1,139,380 668,421 8,716,674 2015 DGB Financial Group Report 53

317,875 40,988 32,451 29,752 12.89 10.21 9.36 289,116 37,345 28,883 26,081 12.92 9.99 9.02 13.54 11.29 10.24 13.21 10.14 9.12 3,296 1,630 202.24 2,343 12,365 18.95 1,319 9,064 14.55 2015 DGB Financial Group Report 55

56 2015 DGB Financial Group Report

1 24,062 (A+B+E) 20,930 2 7,146 (CD) 6,315 3 14 (M) 171 4 5 6 31,222 27,416 7 8 26 (F) 51 9 971 (GF) 855 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 26a 26b 26c 26d 2015 DGB Financial Group Report 57

26e 26f 26g 473 (H) 429 27 28 1,470 1,335 29 29,752 26,081 30 31 32 33 34 2,699 (294) (I) 2,802 (375) 35 2,699 (I) 2,802 36 2,699 (I) 2,802 37 38 39 40 41 42 43 44 2,699 (I) 2,802 45 32,451 28,883 46 47 48 4,814 (J) 5,134 49 3,926 5,134 50 3,723 (D),(K),(L) 3,328 51 8,537 8,462 58 2015 DGB Financial Group Report

52 53 54 55 56 57 58 8,537 8,462 59 40,988 37,345 60 317,875 289,116 61 9.36 9.02 62 10.21 9.99 63 12.89 12.92 64 4.50 4.00 65 66 67 68 4.21 4.49 69 70 71 72 734 657 73 1,700 74 75 86 (N) 76 4,170 3,328 77 3,723 3,378 78 79 2015 DGB Financial Group Report 59

20,925 18,196 2,941 2,915 2,589 1,622 40,655 27,732 76,184 45,528 360,526 356,732 (3,603) (3,456) (K) 5 1,703 3,767 3,600 1,066 854 2,786 1,514 1,022 996 (G) 26 26 (F) 996 970 195 86 (N) 511,444 460,396 334,934 334,939 335 335 31 31 33,294 33,294 31,460 30,947 8,800 8,800 4,814 (J) 606 22,660 22,147 181 162 367 360 147 147 (L) 73,071 23,357 60 2015 DGB Financial Group Report

8,453 15,604 10,630 2,883 473 179 2,905 473,673 8,453 15,610 9,998 2,852 2,699 196 37,771 511,444 473 15 2,895 423,425 36,971 460,396 (A) (B) (C) (D) (H) (E) (M) (I) 2015 DGB Financial Group Report 61

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 62 2015 DGB Financial Group Report

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 2015 DGB Financial Group Report 63

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 64 2015 DGB Financial Group Report

497,373 297,829 23,826 446,132 270,187 21,615 78,717 1,849 148 78,819 2,559 205 10,921 2,415 193 5,781 1,303 104 127,183 108,389 8,671 121,247 101,812 8,145 49,573 42,199 3,376 48,782 43,154 3,452 77,610 66,190 5,295 72,465 58,658 4,693 44,111 19,153 1,532 40,016 17,154 1,372 105,463 60,162 4,813 94,095 56,353 4,508 10,758 8,209 657 10,942 8,346 668 94,704 51,953 4,156 83,153 48,006 3,841 2,917 4,161 333 3,130 4,291 343 2,751 2,718 217 3,173 3,905 312 49 612 49 1,149 719 57 1,031 854 68 124,163 98,263 7,861 98,791 81,344 6,508 1,681 134 878 70 18,365 1,469 18,051 1,444 497,373 317,875 25,430 446,132 289,116 23,129 460,396 410,097 50,299 3,858 4,093 (235) 0.84 1.00 (0.16) 2015 DGB Financial Group Report 65

461,466 459,285 448,555 435,794 (997) (1,062) (1,080) (924) 460,470 458,223 447,475 434,870 405 727 548 514 744 725 600 481 1,149 1,452 1,148 995 2,306 1,400 7,502 2,658 701 1,834 1,734 2,240 3,007 3,234 9,236 4,897 75,623 75,941 77,571 76,061 (40,713) (41,474) (42,510) (42,354) 34,910 34,467 35,061 33,707 32,452 33,676 32,935 32,546 499,536 497,376 492,921 474,470 6.50 6.77 6.68 6.86 66 2015 DGB Financial Group Report

460,396 1,700 744 701 34,910 1,085 499,536 2015 DGB Financial Group Report 67

814 31 2,612.36 704 29 2,416.91 140.77 89,267 72,002 123.98 3,026 1,685 179.54 2,833 746 379.74 1,475 96 1,544.70 33,530 30,187 111.07 19,801 17,916 110.52 68 2015 DGB Financial Group Report

2,941 484,156 0.61 33,240 8.85 2,297 394,175 0.58 28,158 8.16 1.99 2.43 1.86 2.29 0.36 4.81 0.59 7.84 0.37 8.47 0.50 2.45 1.08 6.72 (6.21) (17.53) (0.80) (2.22) 8.75 9.54 6.72 7.33 (0.19) (0.20) 6.78 7.15 2015 DGB Financial Group Report 69

340,362 4,385 1.29 3,483 1.02 126.22 5,535 4,385 305,043 3,519 1.15 2,976 0.97 119.94 4,221 3,519 1.23 0.95 129.56 1.16 1.04 120.45 5.28 5.28 83.20 1.57 1.61 102.69 0.94 1.47 102.62 2007. 07. 25 2013. 04. 08 A2 P1 BBB+ A2 70 2015 DGB Financial Group Report

72 2015 DGB Financial Group Report

2015 DGB Financial Group Report 73

74 2015 DGB Financial Group Report

2015 DGB Financial Group Report 75

76 2015 DGB Financial Group Report

2015 DGB Financial Group Report 77

78 2015 DGB Financial Group Report

355,713 3,605 78,314 1,149 56,393 495,174 1,707 56 436 2,199 357,420 3,661 78,314 1,149 56,829 497,373 109,955 1,061 3,233 19 4,752 119,020 125,223 2,516 28,740 1,109 9,106 166,695 17,772 84 46,341 21 41,411 105,628 104,470 1,560 106,030 357,420 3,661 78,314 1,149 56,829 497,373 171,707 3,484 11,199 1,127 5,517 193,034 96,909 83 29,314 19 5,767 132,092 19,476 85 24,262 2 2,610 46,435 49,494 8 7,476 1 3,661 60,640 19,834 1 6,063 39,274 65,172 357,420 3,661 78,314 1,149 56,829 497,373 2015 DGB Financial Group Report 79

109,540 4,742 6,765 3,382 371,222 274,217 8,041 10,787 1,805 4,701 497,373 297,829 99,864 4,936 4,424 2,211 335,799 253,443 5,995 8,985 49 612 446,132 270,187 324,190 3,175 436 387 3,999 1.23 0.78 106,864 2,106 430 717 9,546 173 108 65 33,533 179 10 205 11,330 15 1 75 37,182 240 10 197 125,735 1,286 270 473 324,190 3,999 829 1,732 80 2015 DGB Financial Group Report

322,778 3,999 829 1,716 1,412 16 324,190 3,999 829 1,732 425 1,853 1,721 3,999 1,363 62 183 15 245 625 2,493 2,493 2,493 2015 DGB Financial Group Report 81

1,274 695 819 489 490 3,767 2,542 1,956 (1,841) 366 (325) (1,800) 3 (116) (26) 2 19 2,561 82 2015 DGB Financial Group Report

109,884 6,765 370,880 8,039 1,805 497,373 10 1 4,047 14 4,072 41,451 752 42,203 10 1 45,498 766 46,275 109,874 6,764 325,382 7,273 1,805 451,098 2015 DGB Financial Group Report 83

2015 DGB Financial Group Report 84 10 15,138 2,171 12,967 29,043 29,043 2,084 46,275 13,730 1,946 11,784 26,390 26,390 2,084 42,204 10 1,408 225 1,183 2,653 2,653 4,071 78,717 10,611 128,780 33,747 95,033 3,141 173,697 10,758 162,938 4,614 2,751 1,149 93,913 497,373 78,717 10,601 113,642 31,576 82,066 3,141 144,654 10,758 133,895 4,614 2,751 1,149 91,829 451,098

1 21 22 23 192 215 382 530 912 406 743 1,149 2015 DGB Financial Group Report 85

86 2015 DGB Financial Group Report

2015 DGB Financial Group Report 87

2,365 2,365 2,404 2,404 213 213 66 66 331 331 225 225 304 304 848 2,365 3,213 291 2,404 2,695 55 34 22 12 21 52 23 29 27 27 134 88 2015 DGB Financial Group Report

1 15 14 4 19 5 23 14 12 31 4 2 4 2 14 1 5 18 3 7 8 5 25 7 12 34 3 4 2 16 1 7 23 2015 DGB Financial Group Report 89

167,989 6,405 2,407 1,245 178,046 150,244 49,409 56,403 62,703 318,758 4,039 2,978 3,059 32,071 42,147 2,196 2,104 4,201 7,004 15,506 1,254 3,024 2,193 12,484 18,955 7,222 7,301 6,635 13,556 34,713 931 304 5,449 6,684 15,641 15,711 16,088 70,564 118,004 90 2015 DGB Financial Group Report

520 49 132 53 111 579 40 1,482 1,072 179 239 131 77 64 34 1,796 2015 DGB Financial Group Report 91

2,556 54 2,502 2 2 2,558 2,740 160 2,580 2 2 2,742 287 (40) 92 2015 DGB Financial Group Report

486 486 460 460 605 2,556 2,471 1 5 3 606 2,561 2,474 2015 DGB Financial Group Report 93

299 9 663 22 94 2015 DGB Financial Group Report

2,350 3,350 (1,000) 14 94 941 1 5 46 2 96 2015 DGB Financial Group Report

118 6 2 1 143 5 1 26 38 58 2015 2014 DGB Financial Group Report 97

98 2015 DGB Financial Group Report

7 7 1 1 1 5 5 82 80 2015 2014 DGB Financial Group Report 99

0.16 263.29 263.45 0.5 31.2 31.7 0.2 5.9 6.1 500 700 1,200 10 10 50 70 100 2015 DGB Financial Group Report

100 421 40 200 50 30 50 300 50 120 300 30 515 100 700 30 50 1,064 305 80 100 70 38 55 50 50 257 570 30 1,329 90 30 7,204 2015 2014 DGB Financial Group Report 101

2.0 0.7 0.7 0.7 5.3 10.0 0.2 3.0 3.0 25.6 7 7 3 2 13 32 102 2015 DGB Financial Group Report

2015 DGB Financial Group Report 103

2015 DGB Financial Group Report 105

(Description) ( : ) (Assets) (Cash and Due from Banks) 9,392,760,399 5,233,191,033 (Loans and Receivables) 335,199,976,708 419,504,246,058 (Investments in Associates) 2,690,886,238,590 2,220,886,238,590 (Tangible Assets) 67,021,243 133,239,664 (Intangible Assets) 365,082,749 468,591,117 (Deferred Income Tax Assets) 444,181,396 489,217,940 (Other Assets) 612,810,836 7,149,550,789 (Total Assets) 3,036,968,071,921 2,653,864,275,191 (Liabilities) (Borrowings and Bonds Payable) 519,130,206,542 469,134,310,150 (Retirement Payment Liabilities) 9,168,515 191,981,739 (Other Liabilities) 27,127,596,293 22,143,281,404 (Total Liabilities) 546,266,971,350 491,469,573,293 (Stockholders Equity) (Capital Stock) 845,265,770,000 670,265,770,000 (Capital surplus) 1,560,191,413,160 1,421,835,315,080 (Retained Earnings) 85,722,390,917 70,675,540,558 (Accumulated Other Comprehensive Income,Net of Taxes) (478,473,506) (381,923,740) (Total Stockholders Equity) 2,490,701,100,571 2,162,394,701,898 (Total Liabilities and Stockholders Equity) 3,036,968,071,921 2,653,864,275,191 106 2015 DGB Financial Group Report

( : ) (Description). (Net Interest Income(Loss)) (7,368,710,417) (3,793,824,004) 1. (Interest Income) 9,894,172,905 12,749,309,107 2. (Interest Expense) 17,262,883,322 16,543,133,111. (Net Fee and Commission Income(Loss)) (1,014,384,985) (2,764,339,102) 1. (Fee and Commission Income) 22,000,000 20,000,000 2. (Commission Expense) 1,036,384,985 2,784,339,102. (Receipt of Dividends) 78,045,000,000 63,980,750,000. (Impairment Loss(Income) on Financial Assets) (311,534,836) 144,689,291. (General and Administrative Expenses) 11,654,586,320 8,194,226,384. (Operating Income) 58,318,853,114 49,083,671,219. (NonOperating Income(loss)) (299,132,335) (509,869,424). (Income Before Income Tax Expense) 58,019,720,779 48,573,801,795. () (Income Tax Expense(Income)) 75,861,140 7,504,829. (Net Income) 57,943,859,639 48,566,296,966. (Other Comprehensive Income(loss)) (96,549,766) (74,548,074). (Total Comprehensive Income) 57,847,309,873 48,491,748,892. (Earnings per Share) 346 362 2015 DGB Financial Group Report 107

( : ) (Description) (Retained Earning Before Appropriations) 64,627,390,917 54,530,330,764 (Unappropriated Retained Earnings from Beginning Year) 6,683,531,278 5,964,033,798 (Increase through changes in accounting policies) (Net Income) 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) 55,129,883,120 47,846,799,486 (Legal Reserve) 5,795,000,000 4,857,120,226 (Regulatory Reserves for Credit Loss) 92,669,980 (Dividends) 47,334,883,120 42,897,009,280 (Indemnity Reserve) 2,000,000,000 (Unappropriated Retained Earnings to Subsequent Year) 9,609,507,797 6,683,531,278 108 2015 DGB Financial Group Report

( : ) (Description) (Capital Stock) (Capital Surplus) (Accumulated Other Comprehensive Income,Net of Taxes) (Retained Earnings) (Total) (Balance at the Beginning of FY2014) (Dividends) (Net Income) (Remeasurement of defined benefit plan) (Balance at the End of FY2014) (Balance at the Beginning of FY2014) (Increase paid in capital and capital surplus) (Dividends) (Net Income) (Remeasurement of defined benefit plan) (Balance at the End of FY2014) 670,265,770,000 670,265,770,000 670,265,770,000 175,000,000,000 845,265,770,000 1,421,835,315,080 1,421,835,315,080 1,421,835,315,080 138,356,098,080 1,560,191,413,160 (307,375,666) (74,548,074) (381,923,740) (381,923,740) (96,549,766) (478,473,506) 59,644,126,712 (37,534,883,120) 48,566,296,966 70,675,540,558 70,675,540,558 (42,897,009,280) 57,943,859,639 85,722,390,917 2,151,437,836,126 (37,534,883,120) 48,566,296,966 (74,548,074) 2,162,394,701,898 2,162,394,701,898 313,356,098,080 (42,897,009,280) 57,943,859,639 (96,549,766) 2,490,701,100,571 2015 DGB Financial Group Report 109

( : ) (Description). (1) (2) () (3) () () () () (4) (5) (6). ().. ()(++).. (Cash Flows from Operating Activities) (Net Income) (Adjustment of Revenues & Expenses not Involving Cash Flows) (Income Tax Expense) (Interest Expense) (Retirement Benefit) (Depreciation) (Amortization) (Provisions for Others) (Provision for loan losses) (Interest income) (Dividend income) (Change in Assets and Liabilities) (Decrease(Increase) in Loans & Receivables) (Decrease in Receivables) (Increase in Prepaid Expenses) (Decrease (Increase) in Advance Payments) (Decrease in Other Payables) (Increase in Accrued Expenses) (Increase in Longterm Accrued Expenses) (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) (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) (Paidin capital increase) (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) 147,470,708,566 57,943,859,639 (68,259,436,450) 75,861,140 17,262,883,322 452,955,840 85,717,121 113,853,868 2,000,000,000 (311,534,836) (9,894,172,905) (78,045,000,000) 99,973,777,498 100,000,000,000 329,461,537 (7,331,247) (5,245,000) (56,843,989) 311,377,514 178,210,066 (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 (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 (6,419,211,694) 48,566,296,966 (59,358,103,097) 7,504,829 16,543,133,111 495,575,494 71,777,600 109,275,685 144,689,291 (12,749,309,107) (63,980,750,000) (50,615,733,849) (50,000,000,000) (914,508) 34,048,000 (240,968,121) 254,948,324 243,701,985 (29,343,170) (100,000) 3,075,790 (333,182,149) (517,000,000) (30,000,000) (16,036,500,000) 12,593,328,286 58,431,500,000 (7,211,518,700) (93,654,400) (117,864,300) (7,000,000,000) 12,130,238,351 49,808,519,671 (143,398,200) (37,534,883,120) (1,500,492,043) 6,733,683,076 5,233,191,033 110 2015 DGB Financial Group Report

0.1 1.9 3,393 6,000 233 5,000 9,393 5,233 235,000 1,380 98,841 608 (629) 335,000 1,485 82,566 1,394 (941) 335,200 419,504 941 (312) 629 796 145 941 2015 DGB Financial Group Report 111

100 2,281,249 100 2,081,249 99.52 170,000 100 215,713 100 115,713 100 12,815 100 12,815 100 5,109 100 5,109 100 6,000 100 6,000 2,690,886 2,220,886 44,522,990 41,047,432 2,304,135 261,841 40,071,199 36,953,956 2,183,371 250,182 5,334,713 5,049,145 1,165,197 18,959 1,258,282 1,030,491 73,898 5,379 958,343 831,662 61,330 8,528 36,812 25,003 13,347 (2,417) 40,003 25,777 16,438 (354) 4,691 155 1,775 (9) 4,760 215 2,184 314 8,332 696 5,657 729 7,536 629 3,283 507 51,165,820 47,152,922 3,564,009 284,482 41,081,841 37,812,239 2,266,606 259,177 500,000,000 169,053,154 5,000 845,265,770,000 1,560,191,413,160 112 2015 DGB Financial Group Report

88,273 9,894 22 78,045 312 29,954 17,263 1,036 11,655 58,319 76,750 12,749 20 63,981 27,666 16,543 2,784 145 8,194 49,084 57,943,859,639 167,231,236 346 48,566,296,966 134,053,154 362 2015 DGB Financial Group Report 113

100 680,625 99.52 173,707 100 121,000 100 12,557 100 3,000 100 6,000 9.2 16,310 114 2015 DGB Financial Group Report

9,393 1,380 94,120 87 104,980 235,000 4,561 522 240,083 159 345,222 84 23 107 5,233 1,380 77,132 23 83,768 335,000 4,933 1,371 341,304 101 425,209 72 72 378 74,052 74,430 126 9,516 3,993 144 13,653 88,209 131 8 4 143 630 59,985 20 60,635 12,119 3,996 16,115 76,750 122 3 125 2015 DGB Financial Group Report 115

200,000 170,000 100,000 200,000 100,000 50,000 541 219 755 334 760 1,089 116 2015 DGB Financial Group Report

2015 DGB Financial Group Report 117

118 2015 DGB Financial Group Report

( : ) (Description) (Assets)............................. (Cash and Due from Banks) (Financial Assets Held for Trading) (Financial Assets Designated at Fair Value Through Profit and Loss) (AvailableforSale Financial Assets) (HeldtoMaturity Financial Assets) (Loans and Receivables) (Derivative AssetsHedge Accounting) (Investments in Associates) (Tangible Assets) (Investments Property) (Intangible Assets) (Deferred Income Tax Assets) (Other Assets) (Total Assets) (Liabilities) (Depository Liabilities) (Financial Liabilities Held for Trading) (Financial LiabilitiesHedge Accounting) (Borrowings) (Bonds Payable) (Retirement Payment Liabilities) (Liability Reserve) (Deferred Income Tax Liabilities) (Insurance Contract Liability) (Other Liabilities) (Total Liabilities) (Stockholders Equity) (Capital Stock) (Capital Surplus) (Retained Earnings) (Capital Adjustment) (Accumulated Other Comprehensive Income,Net of Taxes) (NonControlling Interest) (Total Stockholders Equity) (Total Liabilities and Stockholders Equity) 2,092,476,885,143 294,159,288,834 258,860,595,850 4,065,488,994,752 7,618,459,361,224 36,052,597,094,055 50,004,140 452,786,908 376,671,513,607 106,634,921,782 102,221,332,855 19,520,292,084 156,852,455,330 51,144,445,526,564 33,493,377,279,077 33,519,884,416 3,148,566,060 3,329,393,491,396 3,145,916,976,851 18,075,426,913 36,764,708,103 4,940,470,355,639 2,366,627,476,510 47,367,294,164,965 845,265,770,000 1,560,454,863,590 1,063,045,551,487 17,869,360,513 290,515,816,009 3,777,151,361,599 51,144,445,526,564 1,760,231,021,350 297,993,410,444 136,011,544,270 2,424,301,143,165 4,519,990,342,202 31,304,108,911,166 16,641,259,347 456,477,056 336,023,521,860 82,001,838,991 90,628,555,881 41,318,899,590 41,009,706,925,322 30,747,014,988,939 38,345,421,390 5,583,626,862 2,796,583,764,853 2,849,391,479,941 20,789,694,666 38,615,772,009 47,024,144,620 1,254,808,258,723 37,798,157,152,003 670,265,770,000 1,423,484,159,107 811,844,793,627 (720,209,000) 17,110,559,585 289,564,700,000 3,211,549,773,319 41,009,706,925,322 2015 DGB Financial Group Report 119

( : ) (Description). (Net Interest Income) 1,160,490,484,559 1,021,888,492,460 1. (Interest Income) 1,776,731,367,578 1,711,331,698,238 2. (Interest Expense) 616,240,883,019 689,443,205,778. (Net Fee and Commission Income) 78,071,285,111 67,117,470,502 1. (Fee and Commission Income) 141,086,254,859 125,141,510,450 2. (Commission Expense) 63,014,969,748 58,024,039,948. (Net insuarance loss ) (27,929,553,297) 1. (Insuarance income) 960,315,401,459 2. (Insuarance expense) 988,244,954,756. (Net Income on Financial Assets Held for Trading) 5,954,054,123 18,005,431,284. (Net Income on Financial Assets Designated at Fair Value Through Profit or Loss) 3,351,617,780 9,990,514,445. (Net Income on AvailableforSale Financial Assets) 75,600,327,339 31,431,545,456. (Net Income on Derivative AssetsHedge Accounting) 650,468,187 9,030,691,721. (Impairment Loss on Financial Assets) 228,742,088,191 204,166,460,681. () (Net Income(Loss) on Foreign Exchange) (361,863,746) 2,812,387,365. (General and Administrative Expenses) 627,204,701,844 544,032,656,490. () (Net Other Operating Income(Loss)) (96,901,824,658) (88,158,691,915). (Operating Income) 342,978,205,363 323,918,724,147. (NonOperating Income(loss)) 432,367,221 (6,700,186,056). (Income Before Income Tax Expense) 343,410,572,584 317,218,538,091. (Income Tax Expense) 35,092,085,410 73,434,789,478. (Net Income) 308,318,487,174 243,783,748,613 1. (Net Income in Controlling Interest) 294,097,767,140 229,732,835,859 2. (Net Income in NonControlling Interest) 14,220,720,034 14,050,912,754. (Comprehensive Income(Loss)) 837,690,118 20,814,833,395 1. (Gain(Loss) on Valuation of Availableforsale Financial Assets) 7,090,928,310 28,048,309,978 2. (Gain(Loss) on Translating Foreign Operations) 1,653,504,828 3,147,555,765 3. (Remeasurement of defined benefit plan) (7,906,743,020) (10,381,032,348) (Total Comprehensive Income) 309,156,177,292 264,598,582,008 1. (Total Comprehensive Income in Controlling Interest) 294,856,568,068 250,547,669,254 2. (Total Comprehensive Income in NonControlling Interest) 14,299,609,224 14,050,912,754. (Earnings per Share) 1,759 1,714 120 2015 DGB Financial Group Report

(Description) (Balance at the Beginning of FY2014) (Hybrid Bonds Dividends) (Net Income for the year) (Dividends) (Gain on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Balance at the End of FY2014) (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) (Capital Stock) 670,265,770,000 670,265,770,000 670,265,770,000 175,000,000,000 845,265,770,000 (Capital surplus) 1,423,484,159,107 1,423,484,159,107 1,423,484,159,107 138,356,098,080 (1,385,393,597) 1,560,454,863,590 (Capital Adjustment) (720,209,000) (720,209,000) (720,209,000) 720,209,000 (Accumulated Other Comprehensive Income, Net of Taxes) (3,704,273,810) 28,048,309,978 3,147,555,765 (10,381,032,348) 17,110,559,585 17,110,559,585 7,012,389,803 1,653,504,828 (7,907,093,703) 17,869,360,513 (Retained Earnings) 619,646,840,888 229,732,835,859 (37,534,883,120) 811,844,793,627 811,844,793,627 294,097,767,140 (42,897,009,280) 1,063,045,551,487 (NonControlling Interest) 289,564,700,000 (14,050,912,754) 14,050,912,754 ( : ) 289,564,700,000 289,564,700,000 (14,060,800,000) 14,220,720,034 78,538,507 350,683 805,575,118 (93,268,333) 290,515,816,009 (Total) 2,998,536,987,185 (14,050,912,754) 243,783,748,613 (37,534,883,120) 28,048,309,978 3,147,555,765 (10,381,032,348) 3,211,549,773,319 3,211,549,773,319 (14,060,800,000) 308,318,487,174 313,356,098,080 (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 2015 DGB Financial Group Report 121

( : ) (Description) (Cash Flows from Operating Activities) (Net Income for the year) (Adjustment of Revenues & Expenses not Involving Cash Flows) (Income Tax Expense) (Interest Expense) (Loss on Valuation of Financial Assets Held for Trading) (Loss on Valuation of Trading Derivative Instruments) (Reserve for Credit RiskAdjusted of Trading Derivative Instruments) (Loss on Valuation of Financial Assets Designated at Fair Value through profit or loss) (Loss on Sale of Availableforsale Financial Assets) (Impairment Loss on Availableforsale Financial Assets) (Loss on valuation of Hedged Assets) (Loss on Valuation of Hedging Derivative Instruments) (Loss on transaction of Hedging Derivative Instruments) (Reserve for credit risk adjustment of hedging derivative instruments) (Loss from equity method investment securities) (Provision for loan losses) (Provision for others) (Depreciation & Amortization) (Loss on disposal of Property & Equipment) (Loss on disposal of intangible assets) (Expense on stock options) (Retirement Benefit) (Loss on Foreign Exchange) (Loss on valuation of debentures) (Other Operating Expense) (Amotization of Deferred Acquisition expense) (Transfer to insurance reserve) (Interest Income) (Dividend income) (Gain on valuation of financial assets held for trading) (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) 100,645,240,785 308,318,487,174 (618,616,317,575) 35,092,085,410 616,240,883,019 3,077,155,029 32,705,072,992 4,920,058,420 11,061,896,026 5,553,872,761 205,796,956 65,653,816 2,210,897,265 285,873 3,690,148 223,188,215,430 5,174,732,663 69,800,250,148 288,857,601 11,680,000 2,547,641,473 28,874,268,514 123,001,061,346 2,457,813,431 3,680,812,733 5,671,349,130 251,119,632,089 (1,776,731,367,578) (18,132,020,093) (856,604,474) (40,020,032,753) (117,038,772) (1,575,676,200) (75,427,201,602) (58,209,262) (96,558,338,033) 243,783,748,613 (717,255,552,738) 73,434,789,478 689,443,205,778 1,786,536,173 37,498,395,789 30,634,365 5,490,874,361 25,534,560,272 3,056,337,877 84,041,064 223,068,145 6,299,892 178,631,900,409 6,122,156,798 57,777,013,943 10,391,910 3,476,874,895 20,927,678,985 68,708,109,905 2,081,225,735 4,571,630,298 (1,711,331,698,238) (15,486,617,609) (673,298,075) (39,096,405,236) (9,834,039,364) (4,390,207,245) (30,156,842,430) (71,395,154) 122 2015 DGB Financial Group Report

( : ) (Description) (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) (Increase in Plan Assets) (Increase(Decrease) in Other Liabilities) (Increase in separate account s liability) (Cash Outflows from Interest) (Cash Inflows from Interest) (Cash Inflows from Dividends) (Cash Outflows from Income Tax Expense) (Increase(Decrease) in Other Liabilities) (Acquisition of Availableforsale Financial Assets) (Proceeds from disposition of Availableforsale Financial Assets) (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) (39,806,109,771) 959,930,296,865 14,302,063,790 (578,949,493,318) 1,821,285,803,739 18,132,020,093 (81,283,511,248) (915,581,424,327) (7,367,690,403,325) 6,756,757,347,923 (2,801,859,529) (6,498,260,406) (43,980,887) (20,923,895) (3,799,885,660) 71,520,497,270 (202,078,787) (223,289,025) (552,616,853,508) (260,136,423,327) (18,816,446,517) 60,087,779,862 10,667,692,799 (3,377,675,824,052) (40,060,283,466) 3,524,848,384 36,921,501,570 (28,742,892,804) 3,984,450,869,549 (35,606,641,601) (3,830,413,428) (27,015,175,531) (856,385,444,946) (655,336,075,755) 1,645,624,251,500 15,486,617,609 (76,244,473,754) 22,782,805,597 (3,298,575,270,662) 3,499,387,133,617 2015 DGB Financial Group Report 123

( : ) (Description) (Acquisition of Heldtomaturity Financial Assets) (Proceeds from disposition of Heldtomaturity Financial Assets) (Purchase of Property & Equipment) (Disposal of Property & Equipment) (Purchase of Investment Property) (Acquisition of investments in subsidiaries) (Purchase of Intangible Assets) (Proceeds from disposition of Intangible Assets) (Decrease(Increase) in Guarantee Deposits) (Decrease in Hedging Derivative assets) (Increase(Decrease) in Hedging Derivative liabilities) (Cash Flows from Financing Activities) (Increase in Borrowings) (Issuance of Debentures) (Repayment of Debentures) (Increase(Decrease) in Deposits for Letter of Guarantees) (Decrease in Borrowings from Trust Accounts) (Increase in fund for borrowing) (Increase(Decrease) in Foreign Exchange Settlement Credit) (Increase(Decrease) in Domestic Exchange Settlement Credit) (Increase paid in capital and capital surplus) (Surbordinate firms s paidin capital increase expense) (Dividends paid) (Hybrid bond distribution paid) (Increase(Decrease) in Cash and Cash Equivalents) (Cash and Cash Equivalents at Beginning of Year) (Effect of Exchange Rate in Cash and Cash Equivalents) (Increase in cash & cash equivalent due to the change of consolidated entity) (Cash and Cash Equivalents at End of Year) (2,014,079,843,835) 1,865,335,783,177 (65,464,877,786) 376,037,506 (1,729,197,297) (63,000,000,000) (41,103,360,120) 746,557,500 (536,928,810) 14,604,955,656 202,505,084 1,103,062,536,196 570,308,386,571 778,654,931,420 (563,587,699,266) 17,398,400,694 (45,393,891,422) 125,160,140 (2,679,327,546) 92,596,739,735 313,356,098,080 (758,452,930) (42,897,009,280) (14,060,800,000) 288,126,352,654 571,064,219,493 8,334,830,999 42,216,272,901 909,741,676,047 (1,025,851,232,099) 922,128,580,283 (47,129,196,773) 113,766,384 (7,000,000,000) (27,587,345,969) 1,091,380,267 6,297,388,500 (92,397,951) 63,679,073,817 100,605,734,910 867,811,566,351 (799,993,693,685) 58,574,040,083 (112,901,550,808) 1,028,876,632 149,783,454 (37,534,883,120) (14,060,800,000) (10,096,458,619) 580,615,109,458 545,568,654 571,064,219,493 124 2015 DGB Financial Group Report

136,125,000 100% 3,475,558 2,304,135 261,841 1231 34,573,773 99.52% 285,568 1,165,197 18,959 1231 24,200,000 100% 227,791 73,898 5,379 1231 2,511,415 100% 11,809 13,347 (2,417) 1231 600,000 100% 4,536 1,775 (9) 1231 1,200,000 100% 7,636 5,657 729 1231 4,012,898 3,564,009 284,482 220,000 230,000 570,000 50,000 24,569 908,336 1,405 2,004,310 217,422 226,538 565,138 52,709 24,009 911,539 1,109 1,998,464 2015 DGB Financial Group Report 125

300,000 9.20% 516 453 453 300,000 9.20% 516 456 456 456 (3) 453 233 223 456 7,204 2,280 2,904 (38) 7,892 2,931 4,609 2,425 12 2015. 12. 31 126 2015 DGB Financial Group Report

22,221,950 22,300,239 20,260,184 20,369,505 9,048,210 525,206 9,101,403 526,434 7,524,941 517,005 7,564,293 519,111 31,795,366 31,928,076 28,302,130 28,452,909 541,392 541,499 553,366 550,015 164,291 164,291 99,048 99,048 579,696 581,390 491,991 493,685 14,731 14,731 17,390 17,390 88,697 1,342 88,697 1,342 84,610 739 84,610 739 377,322 377,064 406,933 406,528 231,710 390,260 231,710 390,260 211,363 287,963 211,363 287,963 112,266 114,492 108,311 111,220 181,821 187,781 226,279 236,275 167,699 167,699 92,133 87,805 1,565,848 1,573,776 1,435,721 1,443,893 34,646,593 34,789,032 30,882,256 31,039,550 139,088 137,340 129,972 127,926 1,205,527 1,205,527 190,652 190,652 323,109 323,109 341,112 341,112 61,251 61,251 53,710 53,710 1,728,975 1,727,227 715,446 713,400 (360,335) (360,335) (324,062) (324,062) (2,169) (2,169) (3,854) (3,854) 98 98 922 922 (5,062) (5,062) (5,460) (5,460) 44,497 44,497 38,861 38,861 36,052,597 36,193,288 31,304,109 31,459,357 2015 DGB Financial Group Report 127

11,950,018 11,273,057 10,271,932 8,987,127 22,221,950 20,260,184 5,524,532 4,588,100 3,523,678 2,936,841 9,048,210 7,524,941 191,778 159,586 333,428 357,419 525,206 517,005 31,795,366 28,302,130 161,542 152,854 130,512 156,336 249,338 244,176 541,392 553,366 245,878 368,024 404 614,306 25,146 23,525 64 48,735 220,732 344,499 340 565,571 209,324 319,713 984 530,021 23,163 19,469 7 42,639 186,161 300,244 977 487,382 128 2015 DGB Financial Group Report

324,062 15,109 223,188 37,870 (34,771) (193,713) (11,710) 312 (12) 360,335 293,424 178,631 36,921 (5,302) (165,094) (14,653) 149 (14) 324,062 500,000,000 169,053,154 5,000 845,265,770,000 1,560,454,863,590 2015 DGB Financial Group Report 129

20130528 20131025 20131101 20430528 20431025 20431101 4.53 5.55 5.55 199,700 59,911 29,954 289,565 951 290,516 14,061 199,700 59,911 29,954 289,565 289,565 14,051 131,401 1,155 930,490 1,063,046 101,178 1,062 709,605 811,845 64,627 54,530 6,683 5,964 57,944 48,566 112 112 55,130 47,847 5,795 4,857 93 47,335 42,897 2,000 9,609 6,683 130 2015 DGB Financial Group Report

3,507,723 1,776,731 141,086 369,934 8,272 86,868 2,927 122,639 960,315 38,951 2,249,400 1,711,332 125,141 253,567 9,991 39,979 9,344 71,520 28,526 3,164,745 616,240 63,015 363,980 4,920 11,268 2,277 123,001 988,244 228,742 627,205 135,853 1,925,481 689,443 58,024 235,562 8,547 314 68,708 204,166 544,033 116,684 342,978 323,919 294,097,767,140 229,732,835,859 167,231,236 134,053,154 1,759 1,714 2015 DGB Financial Group Report 131