2 0 5 2005 Total Financial Network Bank
Industrial Bank of Korea Contents 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 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56
www.kiupbank.co.kr Total Financial Network Bank 1 6 2 8 3 8 4 9 5 11 6 12 7 13 8 13 9 14 10 14 11 14 12 15
1. 6 Industrial Bank 0f Korea Annual Report 2005 7
2. 4. 1961 7 1 1961 8 1 1965 3 3 1967 3 9 1967 6 1 19681118 1978 410 198011 1 1982 9 1 1984 6 1 198611 17 198712 3 1988 228 1989 213 1990 3 2 3. 199011 8 1991 2 8 1991 322 100 10 1 19911231 1992 7 21 19921230 1993 614 19931124 19941130 199412 9 1997 828 19971021 8 Industrial Bank 0f Korea Annual Report 2005 9
5. 19971129 19981 13 19989 29 19981015 19981029 19991 30 19994 1 19995 24 20001 15 20001 29 20001 29 20006 24 20001230 20018 4 20027 19 20029 25 20037 15 20031211 20031219 20031224 20049 6 20041026 200412 1 20053 23 20055 27 1 10 Industrial Bank 0f Korea Annual Report 2005 11
400 20 420 6 1 7 406 20 1 427 905 901 1725 1,552 288 317 6. 2,918 2,770 8-8 9-9 4-4 4-4 4,101 31 4,132 3,929 32 3,961 2,102 58 2,160 2,230 50 2,280 172 7 179 177 5 182 6,387 96 6,483 6,349 87 6,436 7. 8. 1986.11.1 (1986.9.5) 655 12,999,400 99.31 1991.4.16 (1991.3.22) 31 3,449,000 55.63 2004.10.26 200 2,000,000 50.00 2000. 1. 18 2000. 1. 17) 30 600,000 100.00 1998. 7. 22 (2000. 4. 12) 200 757,712 18.93 12 Industrial Bank 0f Korea Annual Report 2005 13
9. 10. 11. 2005. 12.31-22,914 233,733,575-51.00 10,490,000 46,915,282 12.53 8,501,153 6,210,000 3.21 9,241,892-2.02 5,032,000-1.10 138,152,965 33 30.14 405,151,585 53,125,315 100.00 868 1.08 442,570,866 96.57 494 0.61 3,280,894 0.71 3,978 4.93 7,120,603 1.55 2,584 3.20 1,637,436 0.36 9,132 11.32 1,967,503 0.43 11,653 14.44 950,598 0.21 25,798 31.98 626,450 0.14 1 26,165 32.44 122,550 0.03 80,672 100.00 458,276,900 100.00 12. 8% % 400 1-233,733,575 51.00 10 0.01 72,875,935 15.90 28 0.03 2,142,053 0.47 48 0.06 2,706,016 0.59 358 0.44 38,723,997 8.45 255 0.32 13,145,822 2.87 79,589 98.66 21,462,994 4.68 383 0.48 73,486,508 16.04 80,672 100.00 458,276,900 100.00 1,699 24 % % 14 Industrial Bank 0f Korea Annual Report 2005 15
www.kiupbank.co.kr Total Financial Network Bank 13 18 14 22 15 25 16 27
13. 16,165 15,062 1,103 5,589 9,787 4,198 4,024 9,182 5,158 132-132 533 513 20 900 92 808-1 1 - - - - 1 1 - - - 2,791 1,572 1,219 7,785 3,704 4,081 0.99 0.51 0.48 17.79 9.87 7.92 3.69 3.90 0.21 6.57 7.13 0.56 2.88 3.23 0.35 2.97 3.10 0.13 644,891 7,520 1.17 4,848 0.75 122.19 9,189 7,520 0.82 (1.15) 0.88 (1.29) 0.35 (0.50) 2.97 [1.99] (2.97) [1.99] 547,575 11,999 2.19 8,006 1.46 91.10 10,931 11,999 1.40 (1.89) 1.35 (1.97) 1.08 (1.52) 5.14 [3.68] (10.32) [7.49] 97,316 4,479 1.02 3,158 0.71 31.09 1,742 4,479 0.58 (0.74) 0.47 (0.68) 0.73 (1.02) 2.17 [1.69] (7.35) [5.50] 2.52 2.37 0.15 66 62 4 64 60 4 89 82 7 83 74 9 6,412 6,361 51 1,073 1,048 25 1,043 1,012 31 1,449 1,382 67 1,342 1,250 92 396 377 19 96.37 106.31 9.94 110.47 116.64 6.17 22.33 24.45 2.12 22,914 22,914-68 - 68 21,390 14,237 7,153 3,204 1,894 1,310 47,576 39,045 8,531 18 Industrial Bank 0f Korea Annual Report 2005 19
58,924 48,199 10,725 530,417 431,358 99,059 523,439 427,500 95,939 6,978 3,858 3,120 11.11 11.17 0.06 8.10 8.28 0.18 3.01 2.89 0.12 874,457 759,982 28,751 31,981 3.29 4.21 619,464 521,135 98,329 619,140 520,761 98,379 324 374 50 174,935 150,198 24,737 150,693 121,092 29,601 24,242 29,106 4,864 644,891 547,575 97,316 644,178 546,812 97,366 713 763 50 427,426 402,472 24,954 401,168 371,182 29,986 26,258 31,290,032 884,151 776,068 108,083 855,194 744,946 110,248 30,015 33,714 3,699 1,058 2,592 1,534 10,207 9,295 912 20 Industrial Bank 0f Korea Annual Report 2005 21
14. 2,281,864 1,879,516 15,069,336 12,109,167 64,358,128 55,173,009 1,020,707 929,509 2,789,326 4,403,353 85,519,361 74,494,554 40,116,845 37,118,215 20,078,825 15,890,080 16,818,420 11,971,773 3,747,721 5,609,985 80,761,811 70,590,053 2,291,385 2,291,385 6,751-2,139,006 1,423,660 320,408 189,456 4,757,550 3,904,501 85,519,361 74,494,554 6,501,815 4,478,581 6,726,016 4,258,739 344,531 267,049 1,678,703 2,200,228 5,400,851 2,160,163 6,117,789 2,071,447 106,938 82,923 2,159,094 3,099,446 974,656 863,973 1,100,964 162,629 205,953 1,057,640 1,057,640 279,146 778,494 608,227 170,896 251,446 527,677 527,677 157,242 370,435-2,424,220 32,359 115,000 327,525 105,740 5 3,341-2,910,563 37,425-167,584 259,168 32 3,322 3,001,498 3,371,386 2,625,793 266,058 87,139-22,508 3,129,012 82,522 141,066-18,786 3,001,498 3,371,386 22 Industrial Bank 0f Korea Annual Report 2005 23
110,687 172,824 - - 3,657 3,379 241 314 32,511 19,454 44,994 37,960 2,602 8,417 194,692 242,348 - - 119,947 172,988 1,945 2,881 1,513-58,275 45,669 27 3,250-1,505 9,574 7,536 3,411 8,519 194,692 242,348 15. 335353 4319 8751 261 323429 4535 9771 302 35289 455 1278 362 12055 169 470 390 100084 1289 3105 310 88856 1246 3123 351 15775 203 512 325 14332 201 505 352 158365 2039 6393 404 128992 1809 5831 452 644866 8305 20039 311 567664 7960 19700 347 11877 153 151 127 13543 190 80 059 24749 319 560 226 29762 417 419 141 550 007 18 327 213 003 3 141 20168 260 828 411 21207 298 509 240 208 002 5 240 135 002 2 148 57552 741 1562 271 64860 910 1013 156 702418 9046 21601 308 632524 8870 20713 327 40203 518 36926 518 740 009 604 008 33156 427 43074 604 74099 954 80604 1130 776517 100.00 21601 278 713128 100.00 20713 290 1483 019 54 364 731 010 39 534 126189 1625 5268 417 95683 1342 4279 447 531346 6843 33049 622 470594 6599 31510 670 82377 1061 4983 605 64944 911 4382 675 439542 5660 27805 633 393684 5521 26735 679 217 003 10 461 298 004 20 671 5966 077 213 357 10289 144 379 368 499 007 22 441 996 014 52 522 17718 228 3659 2065 20401 286 4183 2050 2484 032 340 1369 3751 053 504 1344 2416 031 199 824 1453 021 151 1039 10472 135 9629 135 675362 8698 42474 629 590816 8285 40613 687 1646 021 20 122 5282 074 58 110 11131 143 462 415 9880 139 236 239 38750 499 1055 272 41749 585 1095 262 892 012 29 325 3318 047 43 130 7853 101 747 951 7843 110 542 691 617 008 749 011 59655 768 2313 388 67323 944 1974 293 735017 9466 44787 609 658139 9229 42587 647 3669 047 3542 050 10171 131 9675 136 27660 356 41772 586 41500 534 54989 771 776517 100.00 44787 577 713128 100.00 42587 597 24 Industrial Bank 0f Korea Annual Report 2005 25
30,667 90.82 3.61 34,866 90.31 4.94 30,667 90.82 3.61 34,866 90.31 4.94 1,631 4.83-2,084 5.40-188 0.56-167 0.43-1,280 3.79-1,490 3.86-3,099 9.18-3,741 9.69-33,766 100.00-38,607 100.00-333 0.99 5.85 468 1.21 6.16 28,168 83.42 4.28 33,684 87.25 5.17 438 1.30 3.45 2,794 8.27 3.43 1,993 5.16 3.78 33 0.10-46 0.12 - - - 27 0.06-31,700 93.88 4.21 36,072 93.44 5.12 2,066 6.12-2,535 6.56-33,766 100.00-38,607 100.00-4.66 4.70 4.65 4.49 4.22 4.15 4.15 3.86 3.23 11.34 2.97 2.18 5.03 4.93 5.20 5.12 4.63 4.98 5.10 5.00 4.62 6.6 0 3.47 1.00 4.81 4.89 4.82 3.71 3.92 4.04 4.07 4.11 4.06 4.00 3.32 2.52 4.35 4.41 4.46 4.24 3.98 3.89 3.47 3.35 2.98 10.17 2.51 2.98 4.85 4.82 4.76 4.56 4.03 3.45 3.28 3.42 3.25 3.71 3.30 3.29 5.49 5.16 5.08 4.87 4.92 4.99 4.89 4.39 3.28 13.56 3.50 3.16 5.23 4.99 5.06 4.78 4.29 4.60 4.60 3.79 3.04 17.98 3.43 2.10 4.53 4.57 4.31 3.86 3.52 3.60 3.52 3.53 3.40 14.97 3.64 2.50 16. 44,786 42,588 2,198 74 97 23 5,730 4,515 1,215 38,895 37,908 987 87 68 19 21,602 20,715 887 10,180 10,322 142 5,718 5,418 300 5,545 4,880 665 159 95 64 23,184 21,873 1,311 3,445 2,670 1,066 824 242 2,379 1,846 533 462 386 76-1 1-15 15 462 372 90 16,325 21,616 5,291 492 348 144 2,650 4,497 1,847-1 1 13,183 16,770 3,587 21,594 30,984 9,390 340 183 157 2,873 3,634 761 1,130 1,011 119 4,024 9,182 5,158 131-131 13,096 16,974 3,878 5,269 9,368 4,099 20,756 14,723 6,033 9,746 8,640 1,106 11,010 6,083 4,927 1,626 1,709 83 2,060 2,515 455 10,576 5,277 5,299 10,576 5,277 5,299 2,791 1,573 1,218 7,785 3,704 4,081 26 Industrial Bank 0f Korea Annual Report 2005 27
www.kiupbank.co.kr Total Financial Network Bank 17 30 18 31 19 34 20 34 21 36 22 37 23 38 24 39
17. 22,819 2.67 18,795 2.52 150,693 17.62 121,092 16.26 643,581 75.26 551,730 74.06 9,117 1.07 10,885 1.46-570,287 66.69 475,284 63.80 30,883 3.61 27,838 3.74 8,395 0.98 7,646 1.03 7,729 0.90 6,607 0.89 135 0.02 189 0.02 16,928 1.98 18,674 2.51 7,402 0.87 6,039 0.81 10,106 1.18 10,842 1.45 - - 8,200 1.10 833 0.10 1,296 0.17 10,207 1.19 9,295 1.25 27,894 3.26 44,034 5.91 855,194 100.00 744,946 100.00 401,169 46.91 371,182 49.83 343,519 40.17 349,150 46.87 13,612 1.59 11,583 1.56 44,038 5.15 10,449 1.40 200,788 23.48 158,901 21.33 107,597 12.58 92,285 12.39 27,696 3.24 24,979 3.35 33,473 3.92 13,000 1.75 11,988 1.40 19,434 2.61 187 0.02 103 0.01 - - 26 0.00 19,847 2.32 9,074 1.22 168,184 19.67 119,718 16.07 37,477 4.38 56,100 7.53 807,618 94.44 705,901 94.76 22,914 2.68 22,914 3.08 68 0.01 - - 21,390 2.50 14,237 1.91 3,204 0.37 1,894 0.25 47,576 5.56 39,045 5.24 855,194 100.00 744,946 100.00 18. - 24,242 80.77 29,106 86.33 324 1.08 374 1.11 1,150 3.83 - - 1,753 5.84 825 2.45 907 3.02 - - 33 0.11 33 0.10-1,057 3.52 2,592 7.69 615 2.05 850 2.52 30,015 100.00 33,714 100.00 26,258 87.48 31,290 92.81 2,660 8.86 825 2.45 - - 225 0.75 188 0.56 872 2.91 1,411 4.18 30,015 100.00 33,714 100.00 577,501 93.23 530,560 93.10 484,084 92.89 470,517 91.71 41,504 6.70 38,750 6.80 36,488 7.00 41,749 8.14 135 0.02 217 0.04 189 0.04 298 0.06 619,140 99.95 569,527 99.94 520,761 99.93 512,564 99.91 324 0.05 333 0.06 374 0.07 468 0.09 619,464 100.00 569,860 100.00 521,135 100.00 513,032 100.00 30 Industrial Bank 0f Korea Annual Report 2005 31
471,710 81.68 404,494 83.56 369,831 64.04 325,851 67.31 101,879 17.64 78,643 16.25-91,644 15.87 66,049 13.64 1,407 0.24 541 0.11 1,265 0.22 404 0.08 142 0.02 137 0.03-5,526 0.96 4,200 0.87 7,214 1.25 8,800 1.82 577,501 100.00 484,084 100.00 212 0.04 159 0.03 274 0.05 323 0.07 1,111 0.19 992 0.20 304,988 52.81 260,392 53.79 1,917 0.33 1,453 0.3 26,452 4.58 23,021 4.76 74,308 12.87 65,158 13.46 5,468 0.95 5,924 1.22 5,076 0.88 4,456 0.92 250 0.04 377 0.08 10,913 1.89 11,312 2.34 19,435 3.37 17,783 3.67 9,201 1.59 7,778 1.61 21 0.00 13 0.00 1,626 0.28 1,226 0.25 9,457 1.64 4,842 1.00 2,892 0.50 2,649 0.55 6,730 1.16 5,977 1.24 - - 97,170 16.83 70,249 14.51 577,501 100.00 484,084 100.00 240,219 41.60 176,223 36.40 327 0.06 350 0.07 3,353 0.58 1,552 0.32 21,302 3.69 17,905 3.70 817 0.14 973 0.21 266,018 46.07 197,003 40.70 121,341 21.01 121,524 25.10 190,142 32.92 165,557 34.20 577,501 100.00 484,084 100.00 81.86 84.38 466,858 401,022 570,287 475,284 32 Industrial Bank 0f Korea Annual Report 2005 33
19. 9,067 9,091 24 90,013 92,341 2,328 47,869 47,528 341 1,540 1,734 194 148,489 150,694 2,205 467 2,672 24,220 24,242 22 172,709 174,936 2,227 152,364 44.35 155,121 44.43 127,580 37.14 108,875 31.18 63,575 18.51 85,154 24.39 343,519 100.00 349,150 100.00 15,625 59.51 17,676 56.49 10,579 40.29 13,178 42.12 54 0.20 436 1.39 26,258 100.00 31,290 100.00 20. 343,519 80.37 346,753 81.67 349,150 86.75 334,680 84.70 67,840 15.87 49,289 11.61 50,982 12.67 39,896 10.10 247,493 57.91 270,220 63.64 272,351 67.67 269,847 68.29 25,443 5.95 24,186 5.70 22,424 5.57 21,615 5.47 2,743 0.64 3,058 0.72 3,393 0.84 3,322 0.84 13,612 3.19 11,877 2.80 11,583 2.88 13,543 3.43 44,038 10.30 35,289 8.31 10,449 2.60 12,055 3.05 26,258 6.14 30,667 7.22 31,290 7.77 34,866 8.82 427,427 100.00 424,586 100.00 402,472 100.00 395,144 100.00 34 Industrial Bank 0f Korea Annual Report 2005 35
21. 75 79 4 134 231 97 1,251 1,028 223 3,049 2,667 382 829 733 96-331 331 1,987 1,754 233 51 61 10 7,274 6,762 512 1,344 1,110 234 2,734 2,395 339 16-16 1,962 1,654 308 1,218 1,603 385 7,274 6,762 512 2005 1 +19,436-40,755-21,319 0.75 2 +13,131-29,863-16,732 0.53 3 +173,331-137,501 +35,830 1.12 4 +27,784 19,587 +47,371 1.46 5 +53,865 16,749 +70,614 2.16 6 +135,308-9,425 +125,883 3.76 7 +182,515-71,851 +110,664 3.21 8 +91,201-31,177 +60,024 1.72 9-185,635 +244,532 +58,897 1.66 10-67,639 +100,969 +33,330 0.92 11-108,962 +173,495 +64,533 1.77 12-15,559 +61,988 +46,429 1.25 65 49 114 76 73 149 12 78 90 16 9 25-24 24-5 5 22-22 21-21 - 16 16-15 15 10 32 42 13 30 43 109 199 308 126 132 258 5.67 2.68 4.19 6.21 7.54 1.19 1.23 22. 9,117 10,885 9,117 10,885 - - 147 15 1807 326 33 33 4,809 6,204 4,808 6,202 4,808 6,201-1 1 2 36 Industrial Bank 0f Korea Annual Report 2005 37
23. 644,891 547,575 644,178 546,627 713 948 4,848 8,006 4,843 7,961 5 45 7,520 11,999 7,515 11,954 5 45 4,322 6,637 4,321 6,609 1 28 34-34 31-31 26-26 26-26 25-25 24-24 24-24 66-66 55-55 52-52 48-48 47-47 46-46 42-42 37-37 35-35 35-35 35-35 34-34 34-34 24. 8,942 9,092 5,241 4,806 3,701 4,286 12,159 11,621 11,907 11,367 252 254 268,896 659 14,341 17,262 - - 94 819 - - 670,075 601,922 3,751 1,924 38 Industrial Bank 0f Korea Annual Report 2005 39
27,030 251 817 4 - - 26,519 251 806 507-11 340-61 340-61 377,910 5,866 4,758 80,015 649 560 1,208 - - 285,036 5,169 3,998 11,651 48 200 405,280 6,117 5,636 40 Industrial Bank 0f Korea Annual Report 2005 41
24,770 241 556 24,263 241 545 507-11 223,687 1,403 1,275 1,000 2-1,111 - - 214,878 1,368 1,236 6,698 33 39 248,457 1,644 1,831 2,260 10 261 4 - - 2,256 10 261 339-61 339-61 149,162 4,131 3,325 79,015 647 560 69,159 3,480 2,761 988 4 4 151,761 4,141 3,647 4,475 331 157 97 - - 1,000 319-3,378 12 157 4,475 331 157 42 Industrial Bank 0f Korea Annual Report 2005 43
586 - - 586 - - 586 - - 247,346 151,761 4,378 586 404,071 76,614 92,568 4,370 586 174,138 161,266 30,605 8-191,879 9,466 28,588 - - 38,054 2,599 7,633 458-10,690 24,770 2,260 - - 27,030 2,268 612-2,880 21,388 1,648-23,036 1,114-1,114 320 102 - - 422 339-339 211-211 102-102 26-26 12 12 222,576 149,162 4,378 586 376,702 74,346 91,745 4,370 586 171,047 139,878 28,855 8-168,741 8,352 28,562-36,914 2,279 7,519 458-10,256 44 Industrial Bank 0f Korea Annual Report 2005 45
www.kiupbank.co.kr Total Financial Network Bank 25 48 26 52 27 52 28 54
25. 48 Industrial Bank 0f Korea Annual Report 2005 49
50 Industrial Bank 0f Korea Annual Report 2005 51
26. 27. 8,703 8,490 17,193 5,979 7,447 13,426 388 472 860 108 220 328 378,250-378,250 273,562-273,562 479-479 521-521 387,820 8,962 396,782 280,170 7,667 287,837 48 56 18 38 52 Industrial Bank 0f Korea Annual Report 2005 53
28. 408,491 33,856 42,395 85,545 570,287 1,445 2,714 6,247 13,434 23,840 34,772 19,526 3,433-57,731-200 98-298 8,279 8,907 6,755 8,196 32,137 669 669 45,165 31,347 16,533 21,630 114,673 121,368 3,563 833 693 126,457 1,997 3,658 6,066 7,555 9,529 12,258 2,870 15,128 2,857 4,064 6,701 8,497 10,673 12,438 2,724 15,162 54 Industrial Bank 0f Korea Annual Report 2005 55
www.kiupbank.co.kr Total Financial Network Bank 29 58 30 61 31 62 32 62 33 63 34 63 35 63 36 63 37 63 38 63 39 63 40 64 41 67 42 74 43 84 44 96
29. 533 842 1042 492 542 842 384 434 520 507 765 1215 590 848 1298 58 Industrial Bank 0f Korea Annual Report 2005 59
01 015 050 6 34 35 1 37 38 2 38 4.0 3 4.0 41 3 3.1 3.7 6 3.4 4.0 1 3.6 4.4 2 3.9 4.5 3 3.9 4.6 3 5 7 45 30. 10,949 1,419 655 138 82 31 73 61 30 189 181 200 3089 1,832 200 144 118 20051231 29 24 20051231 7 6 20051231 4 4 20051231 808 453 2005331 400 0.71 700 146 300 0.75 105 0.19 212 044 107 0.25 60 Industrial Bank 0f Korea Annual Report 2005 61
31. 33. 34. 35. 32. 36. 37. 38. 39. 122 23 41 54 4 62 Industrial Bank 0f Korea Annual Report 2005 63
27 3 27-4 4 40. 64 Industrial Bank 0f Korea Annual Report 2005 65
41. 05 66 Industrial Bank 0f Korea Annual Report 2005 67
68 Industrial Bank 0f Korea Annual Report 2005 69
2000 2500 3500 6000 8000 10000 70 Industrial Bank 0f Korea Annual Report 2005 71
1 1250 2 1 2 1670 2280 2570 2620 1 2 2630 2680 149 160 170 203 220 230 2 1125 1250 1260 1270 1280 1290 1300 3 40 1525 1650 1660 1670 1680 1690 1700 4 47 1595 1720 1730 1740 1750 1760 1770 5 47 1595 1720 1730 1740 1750 1760 1770 6 53 1655 1780 1790 1800 1810 1820 1830 7 53 1655 1780 1790 1800 1810 1820 1830 8 53 1655 1780 1790 1800 1810 1820 1830 9 53 1655 1780 1790 1800 1810 1820 1830 10 250 10 60 1725 1850 1860 1870 1880 1890 1900 10 270 11 65 1775 1900 1910 1920 1930 1940 1950 12 65 1775 1900 1910 1920 1930 1940 1950 72 Industrial Bank 0f Korea Annual Report 2005 73
42. 74 Industrial Bank 0f Korea Annual Report 2005 75
76 Industrial Bank 0f Korea Annual Report 2005 77
78 Industrial Bank 0f Korea Annual Report 2005 79
310 1 33 10 1 33 4 1 33 1 11 1 12 3 8 3 1 1 1 1 1 2 2 2 3 2 2 3 4 1 5 2 6 3 7 1 8 2 9 3 10 1 11 2 12 3 13 1 14 2 15 3 16 1 17 2 18 3 19 4 20 21 80 Industrial Bank 0f Korea Annual Report 2005 81
82 Industrial Bank 0f Korea Annual Report 2005 83
43. 84 Industrial Bank 0f Korea Annual Report 2005 85
86 Industrial Bank 0f Korea Annual Report 2005 87
88 Industrial Bank 0f Korea Annual Report 2005 89
90 Industrial Bank 0f Korea Annual Report 2005 91
92 Industrial Bank 0f Korea Annual Report 2005 93
94 Industrial Bank 0f Korea Annual Report 2005 95
44. 96 Industrial Bank 0f Korea Annual Report 2005 97
98 Industrial Bank 0f Korea Annual Report 2005 99
100 Industrial Bank 0f Korea Annual Report 2005 101
102 Industrial Bank 0f Korea Annual Report 2005 103
104 Industrial Bank 0f Korea Annual Report 2005 105
106 Industrial Bank 0f Korea Annual Report 2005 107
108 Industrial Bank 0f Korea Annual Report 2005 109
www.kiupbank.co.kr 45 112 46 114 118 47 120 123 48 126 49 127 132 Total Financial Network Bank 50 134 51 149 52 152 53 156 54 158 55 159 56 164
45. 112 Industrial Bank 0f Korea Annual Report 2005 113
46. 2,281,864 1,879,516 1,322,792 930,725 76,246 82,306 822,574 669,872 60,252 196,613 15,069,336 12,109,167 909,085 608,743 38,814 10,810 373,111 101,072 456,446 402,639 9,996 94,222 30,718 - - - 9,234,061 6,791,283 863,770 532,829 22,554 31,216 802,044 371,166 3,169,722 2,963,323 1,836,530 1,709,890 1,266,898 1,073,504 1,272,543 109,355 4,752,806 4,570,867 1,238,640 825,012 2,146,951 2,214,162 1,367,215 1,531,693 173,384 138,274 157,640 129,274 64,358,128 55,173,009 (911,721) (1,088,545) 57,028,745 47,528,431 3,088,306 2,783,787 53,362 59,931 839,544 764,610 772,862 660,740 13,478 18,939 3,022 4,718 1,692,790 1,867,384 740,180 603,873 26,927 64,914 1,010,633 1,084,182-45 - 820,000 1,020,707 929,509 (536,936) (461,128) 1,557,643 1,390,637 - - - - 2,789,326 4,403,353 717 739 26,889 44,351 314,805 255,607 193,129 101,784 249 74,091 611,709 913,602 1,641,828 3,013,179 85,519,361 74,494,554 15,744 9,000 114 Industrial Bank 0f Korea Annual Report 2005 115
40,116,845 37,118,215 34,351,854 34,915,012 1,361,186 1,158,281 4,403,805 1,044,922 20,078,825 15,890,080 10,759,720 9,228,477 2,769,597 2,497,904 3,347,270 1,300,019 1,198,855 1,943,363 18,681 10,323-2,604 1,984,702 907,390 16,818,420 11,971,773 (5,260) (6,431) 14,836,517 9,914,772 1,987,163 2,063,432 3,747,721 5,609,985 (52) (52) (140,314) (103,380) 199,715 152,233 14,666 1,474 108,698 32,617 201,848 307,003 471,232 20,703 68 67 854,897 853,082 77,678 77,778 106,703 184,897 32,913-563,643 968,455 1,256,026 3,115,108 80,761,811 70,590,053 2,291,385 2,291,385 2,025,758 2,025,758 265,627 265,627 6,751-6,751-2,139,006 1,423,660 418,071 325,446 942,441 727,779 778,494 370,435 320,408 189,456 (-)460 (-)29,717 319,621 223,375 1,247 (-)4,724-522 4,757,550 3,904,501 85,519,361 74,494,554 116 Industrial Bank 0f Korea Annual Report 2005 117
- - 2,625,793 3,129,012 2,424,220 2,910,563 73 78 96,734 92,112 21,039 60,690 928,893 919,651 23,591 37,228 334,115 480,612 - - 6,751 24,608 266,272 573,125 451,010 397,403 317,555 400,162 22,890 22,890 32,359 37,425 - - 1,600 2,150 1,233 1,867 20,860 20,952 - - - - 8,434 12,204 232 252 115,000-175,339 82,522 90,719-61,467 85,062 24 12 30,649 26,942 28,000-53,898 2,654 4,206 140 4 105,740 259,168 (5) (32) (3,341) (3,322) 11,894 16,622 24,537 41,649 2,265 2,494 - - 570,225 563,249 82,397 199,305 13,326 33,939 123,085 802,134 1,228,707 843,610 247,189 175,116 93,005 110,883 49,891 77,378 5,443 4,789 72,981 120,454 56,145 39,394 - - 266,058 82,522 87,139 141,066 3,701 5,711 7,581 15,185 15,555 34,451 59,917 85,340 319 322 - - 66 57 - - 22,508 18,786 3,001,498 3,371,386 3,001,498 3,371,386 118 Industrial Bank 0f Korea Annual Report 2005 119
47. 6,501,815 6,726,016 2,159,094 3,099,446 4,478,581 4,258,739 32,421 17,823 7,431 9,704 572,982 451,475 3,814,724 3,736,526 83,444 61,034 344,531 267,049 334,850 258,120 9,673 8,851 8 78 1,678,703 2,200,228 26,796 28,175 4,033 2,246 364 1,379 17,977 2,958 1,618 466 287,333 363,428 112,951 101,095 402,393 918,223 13,147 - - 1,505 1,154,195 1,623,485 155,036 73,421 974,656 863,973 494,419 441,641 53,325 51,311 68,469 64,129 16,225 13,916 1,156 1,223 265,029 449,698 103,821 97,980 46,212 38,608 1,316,999 1,675,143 1,293 2,021 5,400,851 6,117,789 2,160,163 2,071,447 1,018,013 1,032,176 571,783 541,796 554,451 487,971 15,916 9,504 106,938 82,923 37,572 25,948 69,366 56,975 - - 60,988 56,985 20,949 18,092 155,304 118,696 1,100,964 608,227 162,629 170,896 445 409 1,406 2,022 13,521 3,243 54,012 122,434 1,577 714 28,255 38 1 65 120 Industrial Bank 0f Korea Annual Report 2005 121
63,412 41,971 110,687 172,824 205,953 251,446 2 2 355 35 1,770 3,979 561 464 981 1,921 1,455 1,363 - - 10,591 28,158 581 1,018 62,355 81,727 1,400 2,052 102,639 108,498 73 87 27,997 31,201 - - 1,057,640 527,677 21,867 24,586 1,057,640 527,677 5,399 12,042 279,146 157,242 775 2,481 778,494 370,435 17,956 37,641 49,613 61,765 2,431 6,531 3,335 3,315 1,793 7,115 27 232 2,248 6,525 436 1,532 - - - 172 - - 178 203 440 6,021 122 Industrial Bank 0f Korea Annual Report 2005 123
21,256 4,921 318 195 1,674 3,328 55 449 9,581 11,205 41 70 923 916 917 921 103 112 44,994 37,960 - - - - - 2 - - 3,657 3,379 241 314 194,692 242,348 1,107 1,473-3 465 752-9 1,513 - - 1 627 1,116 552 88 41,329 27,850 5,125 10,212 11,821 7,607 21 43-116 444 24 - - - - 119,947 172,988 617 23 42,053 45,305 27 3,250 19,793 27,113 1,004 1,994 21,865 53,536 16,449 18,202 17,502 26,226 1,281 612 1,945 2,881 - - - 1,505-277 9,574 7,536-1,682 145 2,253 1,005 2,896 194,692 242,348 124 Industrial Bank 0f Korea Annual Report 2005 125
48. 49. 778,494 370,435 537,879 1,456,270 778,494 370,435 778,494 370,435 778,494 370,435 1,075,079 1,353,156 194,982 92,963 400,234 214,662 1,618 466 32,421 17,823 13,147-183,278 62,810 601,431 954,735 53,325 51,311 103,821 97,980 545 35 561 464 1,455 1,363 10,591 28,158 62,355 81,727 102,639 108,498 89,999 8,107 - - 1,171 2,489 811,754 1,054,313 3,055 5,648 4,033 2,246 26,796 28,175 676,976 891,216-125 445 409 126 Industrial Bank 0f Korea Annual Report 2005 127
13,521 3,243-56,453 54,012 122,434 5,461 5,768 1,577 714 1,696 4,748 28,255 38 174,594 370,670 1 65 37,107 147,611 3,083-73,549 264,556 (-)503,940 786,992 820,000 147,800 (-)303,552 728,771 761 1,360 (-)59,198 73,426 17,462 - (-)91,345 37,057-1,157 (-)8,783 127 22 10 - - 377,438 - (-)36,934 (-)34,309 1,356,823 1,469,294 1,815 (-)9,672 20,559,801 17,447,174 (-)100 (-)4,981 7,243,394 7,777,895 (-)5,843 (-)3,427 2,698,181 3,608,234 (-)10,140,982 (-)4,157,237 17,526 10,000 10,418,819 13,289,937 9,776,938 5,415,392 5,063,375 7,839,036 304,519-2,482,142 2,113,175 74,934-1,820 11,095 112,122 37,648 136,307 39,766-834,246 195,880 92,239 6,569 22,958-1,800 128 Industrial Bank 0f Korea Annual Report 2005 129
- 464,200 10,005,451 2,331,904 13,908,488 5,014,823-2,952,124 202,905 102,555 3,358,883-1,531,243 1,163,519 271,693-2,047,251-8,358-1,077,312-4,921,745 149,048-220,160 450,529 - - 50,647-376,770 38,569-3,903,037 2,682,919 563,158 - - 151,824-859,848-78,116 744,508 75,471-3,718 2,604 9,441 105,155 44,759-52,015 76,269 - - 55,729 62,805 91,616 78,194-404,812-1,865,532 1,235,657-24,725 402,348 (-)369,063 1,879,516 2,248,579 2,281,864 1,879,516 130 Industrial Bank 0f Korea Annual Report 2005 131
(-)52,306 37,216 (-)3 (-)15 - - 66 163 36,409 23,147 402,097 870,181 241 314 11,403,307 7,221,934 21,256 4,921 43,314 67,564 1,674 3,328 5,565,600-9,581 11,205 5,794,393 7,154,370 3,657 3,379 11,001,210 6,351,753 59,064 52,878 38,294 50,858 145 2,253 5,680,600-41,329 27,850 5,282,316 6,300,895 5,125 10,212 (-)503,219 (-)935,001 11,821 7,607 3,389,691 2,216,871 27 3,250 3,389,691 2,216,871-1,682 3,892,910 3,151,872 617 24 3,892,910 3,151,872 (-)29,651 66,947 (-)153,428 (-)27,604 (-)3,707 5,815 259,168 286,772 25,898 18,213 105,740 259,168 1,539 79,846 (-)136 12 (-)2,002 (-)157 (-)7,604 1,806 (-)18,896 (-)26,237 (-)24,806 (-)12,499 132 Industrial Bank 0f Korea Annual Report 2005 133
50. 37,403 43,939 25,435 48,330 36,252 32,043 99,090 124,312 134 Industrial Bank 0f Korea Annual Report 2005 135
136 Industrial Bank 0f Korea Annual Report 2005 137
138 Industrial Bank 0f Korea Annual Report 2005 139
140 Industrial Bank 0f Korea Annual Report 2005 141
142 Industrial Bank 0f Korea Annual Report 2005 143
144 Industrial Bank 0f Korea Annual Report 2005 145
- 720,851 626,713-1,435 818 3.98 98,692 28,734 2.00 1,267 12,376 329 1,231 822,574 669,872 0.00~3.7 29,282 12,238 2.0~5.0 18,150 171,215-382 1 0.00~3.7 12,438 13,159 60,252 196,613 255,327 24,116,821 2,366,647 3,831,323 1,995,894 2,237,427 34,803,439 3,821,924 660,080 26,999 6,060 4,515,063 303,519 21,349,921 2,344,579 3,417,954 1,985,308 1,185,556 30,586,837 2,847,395 425,582 8,144 10,848 3,291,969 882,826 866,485 39,318,502 820,211 33,878,806 692,113 1,680,501 1,184,089 2,500,712 1,876,202 1,277,144 1,177,223 3,915,717 3,262,998 5,192,861 4,440,221 158,959 254,220 47,171,034 40,449,449 9,164,418 6,604,841 552,606 420,028 140,687 54,113 57,028,745 47,528,431 720,851 626,713 17,417 12,238 738,268 638,951 146 Industrial Bank 0f Korea Annual Report 2005 147
51. 348,014 308,819 22,068 24,970 131,694 77,655 501,776 411,444 2,154 3,440 503,930 414,884 2,154,200 1,955,200 900,000 1,030,000 3,915,000 1,940,000 210,000 100,000 190,000 201,000 107,900 52,200 7,477,100 5,278,400 9,117 10,885 147 15 33 33 1,997 1,522 5,369 4,611 225 188 1,087 326 148 Industrial Bank 0f Korea Annual Report 2005 149
150 Industrial Bank 0f Korea Annual Report 2005 151
52. 2283714 1887991 1322792 930726 76246 82306 824424 678346 60252 196613 15875023 12786968 1805331 1375465 86047 32783 902176 413428 635797 606248 39335 192397 30718 111258 130609 9293378 6819061 917087 560607 22554 31216 802044 371166 3169722 2963323 1842530 1709890 1266898 1073504 1272543 109355 4753217 4570900 1239051 825045 2146951 2214162 1367215 1531693 23097 21542 3000 1500 20097 20042 65423253 55984095 925178) 1099030) 57569651 47738288 3088306 2783787 101361 130112 839544 764610 772862 660740 13478 18939 474565 541230 1692790 1867384 746518 603873 38723 69607 1010633 1084510 820000 45 1026195 934387 1566680 1398768 540096 1026584 463819 934949 389 562 2837479 4404721 717 3426 15535 15313 334782 273517 203478 105936 4853 77915 611709 913602 1666405 3015012 152 Industrial Bank 0f Korea Annual Report 2005 153
87445664 75998162 41073424 38042428 35308433 35839225 1361186 1158281 4403805 1044922 20942903 16499070 11618798 9817467 2769597 2497904 3347270 1300019 1198855 1943363 18681 10323 2604 1989702 927390 16878334 12011625 14896517 9954772 86 14896431 148 9954624 1987163 2063432 5260 1981903 6431 2057001 3743039 5508478 202745 154187 141319 103955 52 61374 52 50180 14456 1474 108698 32617 150187 161331 471727 42424 68 67 872665 853479 89356 89131 113199 184897 32454 563643 968455 1265212 3124423 82637700 72061601 2291385 2291385 2025758 2025758 265627 265627 6814-2161515 1442195 418071 353329 942441 739392 801003 349474 320818 189651 460 29717 321278 218846 522 27432 13330 4807964 3936561 87445664 75998162 154 Industrial Bank 0f Korea Annual Report 2005 155
53. 6630455 6848123 4583403 4353328 3769005 3673742 185989 177717 628409 501869 357816 273579 267167 183224 90649 90355 1689236 2221216 41417 38054 13908 7050 1317342 1675179 316569 500933 5511635 6224616 2210129 2133727 2053746 2032121 156383 101606 107249 82783 99930 76159 7319 6624 3194257 4008106 36222 19846 6838 11274 407909 921345 987429 871757 1154335 1625732 601524 558152 1118820 623507 152946 168885 445 413 1406 2022 55 191 57388 123197 1577 714 28255 38 1 65 63819 42245 209285 263524 405 38 2267 2475 13302 38351 62355 81727 102639 108498 28317 32435 1062481 528868 1062481 528868 283475 158416 779006 370452 512 17 778494 370435 156 Industrial Bank 0f Korea Annual Report 2005 157
54. 55. 2291385 1161883 15713 3343 3472324 10000 10000 172873 1 172874 25691 25691 24725 24725 1831 1831 54 54 91622 156 91778 370435 370435 17 17 278 45 125 108 2291385 1442195 189651 13330 3936561 12000 12000 102432 1996 104428 6751 29257 36008 39 89 50 3723 3723 62809 154 62963 778494 778494 512 512 24 88 522 163 749 2291385 6814 2161515 320818 27432 4807964 428820 1530041 778494 370435 1093319 1380295 6838 11274 36222 19846 12937 601431 954735 54696 52389 104620 98490 545 38 2267 2475 13302 38351 62355 81727 102639 108498 89999 8107 62 28 1171 2489 3723 1831 512 17 826500 1066977 3222 5663 13908 7050 41417 38054 676976 891294 125 445 413 173 173 158 Industrial Bank 0f Korea Annual Report 2005 159
55 191 57388 123197 1577 714 28255 38 1 65 3083 616493 846288 417601 860160 61265 19495 97542 35370 15994 3244 9 37364 34059 19186 26526 225 759 6138 4158 10393107 4419013 10520554 13304572 5124023 7841929 2482164 2113271 9000 834246 28751 56453 5461 5768 66665 174594 370670 30004 148089 73877 264580 820000 147800 789 1364 37904 1160 22 377438 1336766 1472338 20913661 17723585 7277146 7777895 2698581 3608234 1500 10104848 5544447 304519 15790 74934 112122 37648 139680 142645 39766 197144 93326 2677 222 464122 10348010 2518036 160 Industrial Bank 0f Korea Annual Report 2005 161
14162350 5245203 2938823 202905 102555 3358883 1801331 1367872 271693 2047251 8358 1062312 4941745 188376 220160 35340 62805 91772 71698 404812 1909708 1237806 24725 12000 10000 395723 360936 1887991 2248927 2283714 1887991 429303 50647 376770 38569 3814340 2727167 530792 151824 861581 78116 744508 75471 3718 2604 9441 11144 125358 32015 76269 162 Industrial Bank 0f Korea Annual Report 2005 163
56. 12999400 9931 9918 1 2000000 50 50 3449000 5563 5482 1 2 4167 3 600000 100 100 4 20 20 4 6666 6666 20023 4 60 60 1 14289 32146 51661 145672 15770 11374 110 61 10000 2 516 819 48 79 8585 7729 54 26 1 24404 11228 3798 2868 419 5 157 221 33 8 63 11331 8157 138 145 164 Industrial Bank 0f Korea Annual Report 2005 165