www.dgbfg.co.kr _Contents 1. 2. 3. 4. 5. 6. 7. 8. 4 27 37 55 73 111 120 149

2 2016 DGB Financial Group Report

2016 DGB Financial Group Report 3

2016 DGB Financial Group Report 5

2010. 12 2010. 12 2011. 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 6 2016 DGB Financial Group Report

2015. 10 2015. 12 2016. 02 2016. 09 2016. 09 2016. 10 2016. 10 2016. 11 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 2016 DGB Financial Group Report 7

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 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 8 2016 DGB Financial Group Report

2009. 11 2009. 12 2009. 12 2010. 01 2010. 03 2010. 06 2010. 09 2010. 10 2010. 10 2010. 11 2010. 11 2010. 12 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 2016 DGB Financial Group Report 9

2014. 06 2014. 09 2014. 10 2014. 11 2014. 12 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 2016.03 2016.04 2016.04 2016.06 2016.06 10 2016 DGB Financial Group Report

2016.08 2016.09 2016.09 2016.11 2016.12 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 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 2016. 04 2016. 12 2016 DGB Financial Group Report 11

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 2016. 04 2016. 11 2000.03 2007.03 2008.08 2016.07 2016.10 1999. 12 2000. 01 2000. 03 2000. 11 2001. 03 2001. 05 2001. 12 2002. 03 2002. 05 12 2016 DGB Financial Group Report

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 2011. 11 2012. 04 2012. 09 2012. 10 2012. 10 2013. 03 2013. 06 2013. 09 2013. 10 2016 DGB Financial Group Report 13

2013. 11 2014. 01 2014. 04 2014. 08 2014. 10 2014. 12 2015. 04 2015. 06 2015. 06 2015. 08 2015. 08 2015. 11 2016. 01 2016. 03 2016. 04 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 14 2016 DGB Financial Group Report

2016. 01 2016. 03 2016. 03 2016. 04 2016. 04 2016. 05 2016. 06 2016. 06 2016. 07 2016. 07 2016. 07 2016. 07 2016. 09 2016. 10 2016. 11 2016. 12 2016. 12 2016. 12 2000. 07 2000. 08 2000. 08 2000. 12 2001. 01 2004. 11 2011. 05 2012. 05 2012. 12 2014. 03 2015. 08 2016. 03 2016. 04 2016. 06 2016 DGB Financial Group Report 15

16 2016 DGB Financial Group Report

2016 DGB Financial Group Report 17

(100%) (99.52%) (100%) (100%) (100%) (100%) (100%) DGB Lao Leasing (90%) 18 2016 DGB Financial Group Report

(2016.12. 31 ) 1 1 187 71 1 1 260 47 47 6 3 9 1 1 1 1 1 1 1 1 245 74 1 1 321 2016 DGB Financial Group Report 19

(2016.12. 31 ) 6 5 66 77 17 5 3,104 3,126 9 4 271 284 3 2 157 162 7 2 26 35 2 2 29 33 2 2 94 98 2 2 39 43 48 10 14 3,786 3,858 (2016. 12. 31 ) 2014.03 2015.12 2016.12 2016.12 2015.12 20 2016 DGB Financial Group Report

(2016.12. 31 ) 1967.10.07 (2011.05.17) 6,806 136,125,000 100% 1988.02.22 (2015.01.29) 1,737 34,573,773 99.52% 2009.09.14 (2012.01.10) 2000.03.03 (2016.10.06) 1999.12.27 (2013.03.08) 1,210 100 126 24,200,000 2,000,000 2,511,415 100% 100% 100% 2012.04.09 (2012.04.09) 60 1,200,000 100% 2000.07.05 (2011.05.17) 30 600,000 100% 2016.11.06 (2016.11.06) USD 10,000 1,800,000 90% 2016 DGB Financial Group Report 21

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. 12 4,000,000 200 6,806 2009 6,000,000 300 300 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 2016. 10. 06 2,000,000 100 22 2016 DGB Financial Group Report

2013. 03. 07 2,511,415 126 2012. 04. 09 1,200,000 60 2000. 07. 05 300,000 2012. 05. 02 300,000 15 15 30 2016 DGB Financial Group Report 23

(2016. 12. 31 ) 1 14,986,804 8.87 2 11,755,894 6.95 3 THE OAKMARK INTERNATIONAL SMALL CAP FUND 7,636,168 4.52 4 7,488,245 4.43 5 NORGES BANK 2,552,316 1.51 6 PEOPLES BANK OF CHINA 2,407,787 1.42 7 THE HIGHCLERE INTERNATIONAL INVESTORS SM 1,870,693 1.11 8 VANGUARD TOTAL INTERNATIONAL STOCK INDEX 1,799,659 1.06 9 118,555,588 70.13 24 2016 DGB Financial Group Report

(2016. 12. 31 ) 2 0.01 70,529 0.04 12 0.05 305,182 0.18 6 0.03 11,833,563 6.99 221 0.94 23,879,839 14.13 13 0.06 1,198,777 0.71 2 0.01 1,158,813 0.69 2 0.01 58,085 0.03 855 3.65 103,947,851 61.49 22,306 95.24 26,600,515 15.74 23,419 100.00 169,053,154 100.00 748 3.19 101,200,620 59.86 (2016. 12. 31 ) 981 4.19 157,041,596 92.89 475 2.03 3,388,912 2.00 2,433 10.39 5,605,972 3.32 1,763 7.53 1,329,910 0.79 17,767 75.86 1,686,764 1.00 23,419 100.00 169,053,154 100.00 2016 DGB Financial Group Report 25

6.00 300 385 77.89 5.60 280 346 81.69 11.60 580 1,841 29.82 10.88 544 1,824 28.31 429 938 4.90 245 602 40.67 3.30 165 224 74.23 905 1,055 (362) (962) 778 607 (93) (15) 26 2016 DGB Financial Group Report

) 5,836 5,665 171 2,005 2,284 (279) 1,978 2,232 (254) 8 8 1 (1) 19 51 (32) 47 53 (6) 12 (12) 20 16 4 27 25 2 859 351 508 3,019 3,083 (64) 142 142 2,877 2,941 (64) ) 628 577 51 20 3 17 3 (3) 20 20 (3) 1 (4) 651 579 72 28 2016 DGB Financial Group Report

) 5,169 4,842 327 1,810 2,001 (191) 1,784 1,969 (185) 9 9 1 (1) 17 31 (14) 26 52 (26) 12 (12) 20 16 4 6 24 (18) 735 275 460 2,650 2,618 32 2,650 2,618 32 ) 155 146 9 11 64 (53) 11 64 (53) 20 (20) 20 (20) (5) (88) 83 149 190 (41) 2016 DGB Financial Group Report 29

) 368 269 99 184 197 (13) 184 197 (13) 43 18 25 141 54 87 141 54 87 30 2016 DGB Financial Group Report

) ) 10,154 84.47 1,637 13.62 539 4.48 (89) 0.74 (220) 1.83 12,021 100.00 725 104.17 9 1.29 (7) 1.01 9 1.29 (40) 5.74 696 100.00 (7,482) 84.56 (1,532) 17.31 (349) 3.94 746 8.43 (231) 2.62 (8,848) 100.00 3,397 87.80 115 2.97 183 4.73 666 17.21 (492) 12.71 3,869 100.00 2,650 92.11 149 5.18 141 4.90 656 22.80 (719) 24.99 2,877 100.00 ) 9,840 84.79 1,673 14.42 414 3.57 (71) 0.61 (251) 2.17 11,605 100.00 759 97.18 44 5.63 (2) 0.26 (1) 0.13 (19) 2.42 781 100.00 (7,671) 85.65 (1,654) 18.47 (341) 3.81 664 7.41 46 0.52 (8,956) 100.00 2,928 85.36 62 1.81 70 2.04 592 17.26 (222) 6.47 3,430 100.00 2,618 89.02 190 6.46 54 1.84 562 19.11 (483) 16.43 2,941 100.00 2016 DGB Financial Group Report 31

17,390 152 2,981 14,060 197 5,369 3,721 465 1,071 112 12,021 1,377 1,224 41 112 681 225 456 696 8,946 9,495 (549) 8,837 74 5,205 101 801 13 2,050 593 10,746 125 5,021 86 54 106 2,008 2,024 1,322 (1,909) 10,259 6,390 3,869 9 9 3,878 859 3,019 2,877 142 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 8,701 151 3,489 49 113 23 1,230 2,287 1,359 (2,405) 9,702 6,272 3,430 4 4 3,434 351 3,083 2,941 142 (377) (12) (358) (36) 29 (793) (864) (32) 101 1 416 (34) (53) 1 18 51 16 35 (85) (657) (387) (270) 2,541 (83) 1,663 18 (68) (16) 824 203 2,045 (26) 1,532 37 (59) 83 778 (263) (37) 496 557 118 439 5 5 444 508 (64) (64) 32 2016 DGB Financial Group Report

2016 DGB Financial Group Report 33 82 4 77 1 174 174 (92) 21 21 (21) 869 869 869 756 106 650 (2) (2) 648 (3) 651 651 99 2 95 2 173 173 (74) 10 10 (10) 784 784 784 700 117 583 (3) (3) 580 1 579 579 (17) 2 (18) (1) 1 1 (18) 11 11 (11) 85 85 85 56 (11) 67 1 1 68 (4) 72 72

2016 DGB Financial Group Report 34 15,032 48 1,843 13,106 35 4,877 3,728 455 687 7 10,155 1,339 1,185 41 113 613 155 458 726 8,269 70 5,204 82 571 13 1,944 385 10,243 124 5,015 67 50 1 2,008 1,830 1,148 (1,974) 8,907 5,510 3,397 (12) (12) 3,385 735 2,650 2,650 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 8,224 150 3,481 43 101 23 1,230 2,025 1,171 (2,219) 8,379 5,451 2,928 (35) (35) 2,893 275 2,618 2,618 (586) 14 (385) (205) (10) (902) (864) (52) 15 (1) 316 8 (12) 1 19 41 7 34 (33) 2,264 (86) 1,662 21 (189) (16) 718 154 2,019 (26) 1,534 24 (51) (22) 778 (195) (23) 245 528 59 469 23 23 492 460 32 32

1,669 99 1,362 206 2 32 29 3 1,637 33 33 24 24 9 8,946 10,104 (1,158) 360 18 230 96 16 130 18 4 95 13 230 718 603 115 29 29 144 (5) 149 149 1,703 120 1,366 203 14 30 27 3 1,673 72 72 28 28 44 9,606 10,784 (1,178) 219 22 188 9 87 6 12 69 132 671 608 63 39 39 102 (88) 190 190 (34) (21) (4) 3 (12) 2 2 (36) (39) (39) (4) (4) (35) (660) (680) 20 141 (4) 42 96 7 43 12 (8) 95 (56) 98 47 (5) 52 (10) (10) 42 83 (41) (41) 2016 DGB Financial Group Report 35

2016 DGB Financial Group Report 36 914 4 910 375 119 185 71 539 13 13 20 5 15 (7) 44 2 1 1 9 9 22 220 6 9 184 21 (176) 356 173 183 1 1 184 43 141 141 702 8 694 288 118 103 67 414 16 16 18 11 7 (2) 21 1 1 19 239 1 8 197 33 (218) 194 123 71 1 1 72 18 54 54 212 (4) 216 87 1 82 4 125 (3) (3) 2 (6) 8 (5) 23 1 1 1 9 8 3 (19) (1) (2) 9 (13) (12) 42 162 50 112 112 25 87 87

25,473 4,025 823 41,997 78,905 374,546 1 4,290 4,564 534,624 353,855 72,823 51,212 17,011 494,901 39,723 534,624 4.76 0.75 0.15 7.86 14.76 70.06 0.80 0.86 100.00 66.19 13.62 9.58 3.18 92.57 7.43 100.00 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 31,035 456,726 55,751 18,488 184 352 96 47 5,954 420,617 52,985 16,123 12 243 10 2 25,081 36,109 2,766 2,365 172 109 86 45 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 38 2016 DGB Financial Group Report

2016 DGB Financial Group Report 39 341,637 4,315 17,899 720 37,482 76,288 478,340 5,306 5,624 87 3,593 188 14,799 493,139 39,723 376 1,385 41,485 534,624 18,287 81,925 336,564 3,986 50,692 491,454 2,856 3,522 5,439 952 1,343 3,724 17,835 509,289 4,330 4,290 16,715 25,335 534,624 63.90 0.81 3.35 0.13 7.01 14.27 89.47 0.99 1.05 0.02 0.67 0.04 2.77 92.24 7.43 0.07 0.26 7.76 100.00 3.42 15.32 62.95 0.75 9.48 91.92 0.53 0.66 1.02 0.18 0.25 0.70 3.34 95.26 0.81 0.80 3.13 4.74 100.00 321,558 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

2016 DGB Financial Group Report 40 5,592 5,592 5,592 25,081 362 25,443 31,035 2,344 27,279 194 29,817 29,817 2 1,216 1,218 31,035 18.02 18.02 18.02 80.81 1.17 81.98 100.00 7.55 87.90 0.63 96.08 96.08 0.01 3.91 3.92 100.00 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

2016 DGB Financial Group Report 41 321,328 6,194 16,024 2,050 17,417 23,448 386,461 4,765 4,952 298 3,466 147 13,628 400,089 36,332 379 20,694 57,405 457,494 2,984 71,477 319,471 86,896 225,739 6 1,083 1,093 3,981 6,962 2,441 404,616 1,933 1,620 6,305 2,057 1,134 15 77 12,987 417,603 3,233 3,801 32,857 39,891 457,494 70.24 1.35 3.50 0.45 3.81 5.13 84.47 1.04 1.08 0.07 0.76 0.03 2.98 87.45 7.94 0.08 4.52 12.55 100.00 0.65 15.62 69.83 18.99 49.34 0.00 0.24 0.24 0.87 1.52 0.53 88.44 0.42 0.35 1.38 0.45 0.25 0.00 0.02 2.84 91.28 0.71 0.83 7.18 8.72 100.00 303,800 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

2016 DGB Financial Group Report 42 11,388 2,362 1,859 15,609 278 14,989 260 12 71 15,609 72.96 15.13 11.91 100.00 1.78 96.02 2 0.07 0.46 100.00 6,867 2,192 1,620 10,679 405 10,226 9 39 10,679 64.30 20.53 15.17 100.00 3.79 95.76 0.08 0.36 100.00 578 49,875 2,982 49 1,349 54,833 2,917 3,576 43,088 1,794 300 3,158 54,833 1.05 90.96 5.44 0.09 2.46 100.00 5.32 6.52 78.58 3.27 0.55 5.76 100.00 498 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

2,813 2,797 (16) 816 823 7 41,986 41,997 11 79,984 79,984 4 4 27,279 27,279 141 251 28,219 46,430 102 146 258 28,467 46,430 102 4 7 248 2016 DGB Financial Group Report 43

574 571 (3) 13,222 13,199 (23) 33,554 33,554 10 11 1 328 329 1 351 351 44 2016 DGB Financial Group Report

692 685 7 2,856 2,858 (2) 4,126 10,162 1,439 9,389 2,687 773 17,836 14,371 3,465 5,306 3,263 2,043 5,709 5,295 414 3,593 3,469 124 191 130 61 14,799 12,157 2,642 692 685 7 2,749 2,858 (109) 2,332 9,903 1,439 9,389 893 514 15,676 14,371 1,305 5,306 3,263 2,043 5,709 5,295 414 3,593 3,469 124 182 130 52 14,790 12,157 2,633 2016 DGB Financial Group Report 45

1,794 1,794 102 102 102 102 46 2016 DGB Financial Group Report

2,818 23 113 153 3,107 3,603 14 133 221 3,971 144 98 1,760 2,002 175 93 1,666 1,934 3 1,600 1,603 1 2,043 2,044 2016 DGB Financial Group Report 47

6 6 6 20 26 48 2016 DGB Financial Group Report

2,469 23 113 140 2,745 3,187 14 133 190 3,524 139 98 1,623 1,860 171 93 1,576 1,840 3 1,400 1,403 1 2,043 2,044 2016 DGB Financial Group Report 49

2 2 216 216 200 200 50 2016 DGB Financial Group Report

281 3 284 201 3 204 5 137 142 4 90 94 2016 DGB Financial Group Report 51

362,093 3,082 4,348 340,362 3,483 4,385 2,350 2,350 340,649 2,766 4,054 324,190 3,082 3,999 3,529 1 1 3,801 201 201 52 2016 DGB Financial Group Report

17,703 315 293 12,441 200 195 2016 DGB Financial Group Report 53

51,912,615 49,953,585 3,043,985 3,266,432 4,748,992 4,333,652 4,862,993 4,892,956 250,417,760 217,262,058 47,468,114 42,057,882 7,287,355 1,096,455 6,472,001 1,283,285 697,891 9,134,316 648,287 8,716,674 54 2016 DGB Financial Group Report

332,734 43,023 36,396 33,924 12.93 10.94 10.20 317,875 40,989 32,452 29,753 12.89 10.21 9.36 14.33 12.14 11.08 13.54 11.29 10.24 3,146 1,917 164.11 3,296 1,630 202.24 2,484 18,374 13.52 2,343 12,365 18.95 56 2016 DGB Financial Group Report

2016 DGB Financial Group Report 57

1 24,052 (A+B+E) 24,062 2 11,981 (CD) 7,146 3 (257) (M) 14 4 5 6 35,776 31,222 7 8 217 (F) 26 9 1,067 (GF) 971 10 61 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 26a 26b 26c 26d 58 2016 DGB Financial Group Report

26e 26f 26g 507 (H) 473 27 28 1,852 1,470 29 33,924 29,752 30 31 32 33 34 2,472 (282) (I) 2,699 35 2,472 (I) 2,699 36 2,472 (I) 2,699 37 38 39 40 41 42 43 44 2,472 (I) 2,699 45 36,396 32,451 46 47 48 4,898 (J) 4,814 49 3,356 3,926 50 1,729 (D),(K),(L) 3,723 51 6,627 8,537 2016 DGB Financial Group Report 59

52 53 54 55 56 57 58 6,627 8,537 59 43,023 40,988 60 332,734 317,875 61 10.20 9.36 62 10.94 10.21 63 12.93 12.89 64 5.13 4.50 65 0.63 66 67 68 4.32 4.21 69 70 71 72 857 734 73 1,700 1,700 74 75 193 (N) 86 76 1,729 4,170 77 1,729 3,723 78 79 60 2016 DGB Financial Group Report

25,473 22,688 4,025 4,008 823 269 41,997 28,798 78,905 48,084 374,546 367,858 (2,818) (2,724) (K) 1 1 4 1,704 4,290 4,113 996 795 3,564 1,834 1,331 1,284 (G) 217 217 (F) 1,114 1,067 260 171 (N) 534,624 480,152 353,855 353,859 1,260 1,260 125 30 31,748 31,748 41,075 40,367 10,500 9,800 4,898 (J) 962 30,575 30,567 2,043 1,956 289 283 136 136 (L) 64,506 11,965 2016 DGB Financial Group Report 61

494,901 8,453 15,605 13,034 2,855 507 (10) (275) 2,916 8,453 15,610 11,981 507 (10) (257) 2,907 2,472 435 39,723 534,624 441,468 38,684 480,152 (A) (B) (C) (D) (H) (E) (M) (I) 62 2016 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 2016 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 2016 DGB Financial Group Report

2016 DGB Financial Group Report 65

514,185 312,772 25,022 497,373 297,829 23,826 82,067 1,445 116 78,717 1,849 148 11,722 2,898 232 10,921 2,415 193 131,506 112,498 9,000 127,183 108,389 8,671 32,165 27,337 2,187 49,573 42,199 3,376 99,341 85,161 6,813 77,610 66,190 5,295 45,714 19,846 1,588 44,111 19,153 1,532 110,948 63,579 5,086 105,463 60,162 4,813 10,705 8,171 654 10,758 8,209 657 100,242 55,408 4,433 94,704 51,953 4,156 4,779 8,610 689 2,917 4,161 333 3,448 3,320 266 2,751 2,718 217 151 726 58 1,963 1,386 111 1,149 719 57 121,887 98,466 7,877 124,163 98,263 7,861 1,172 94 1,681 134 18,790 1,503 18,365 1,469 514,185 326,934 26,155 497,373 317,875 25,430 480,152 460,396 19,756 5,472 3,858 1,614 1.14 0.84 0.30 66 2016 DGB Financial Group Report

479,578 471,383 470,821 464,626 1,853 1,172 1,236 1,171 477,726 470,211 469,585 463,455 1,205 1,319 624 1,125 770 743 773 843 1,975 2,062 1,396 1,969 3,123 3,694 11,292 6,223 0 0 0 401 3,123 3,694 11,292 6,624 77,410 75,230 75,659 76,224 (41,108) (40,896) (41,031) (40,968) 36,302 34,333 34,627 35,256 36,969 34,029 33,475 32,810 519,126 510,300 516,901 507,305 7.12 6.67 6.48 6.47 2016 DGB Financial Group Report 67

480,152 1,700 800 35,681 2,494 519,126 284,973 99.25% 1,696 0.59% 0.00% 34 0.01% 55 0.02% 358 0.13% 287,116 100.00% 68 2016 DGB Financial Group Report

1,043 1,021 102.18 814 31 2,612.36 5,252 3,543 1,714 2,140 306.42 165.53 3,026 2,833 1,685 746 179.54 379.74 59,408 41,878 142.92 59,285 42.181 140.77 33,291 30,907 107.71 33,530 30,187 111.07 2016 DGB Financial Group Report 69

2,877 526,570 0.55 36,169 7.95 2,941 484,156 0.61 36,142 8.85 2.13 2.65 1.99 2.43 0.58 7.31 0.36 4.81 0.27 5.30 0.37 8.47 0.77 5.07 0.50 2.45 14.10 14.79 (2.40) (7.50) (6.21) (17.53) 9.73 (7.97) 8.75 9.54 (1.18) (1.25) (0.19) (0.20) 70 2016 DGB Financial Group Report

362,093 4,348 1.20 3,082 0.85 62.76 2,729 4,348 340,362 4,385 1.29 3,483 1.02 126.22 5,535 4,385 1.19 0.81 61.42 1.23 0.95 129.56 0.02 0.02 5,362.41 5.28 1.50 83.20 1.66 1.78 100.00 1.57 1.61 102.54 2016 DGB Financial Group Report 71

2014 A2 P1 2015 A2 P1 BBB+ A2 2016 A2 P1 A A2 72 2016 DGB Financial Group Report

74 2016 DGB Financial Group Report

2016 DGB Financial Group Report 75

76 2016 DGB Financial Group Report

2016 DGB Financial Group Report 77

78 2016 DGB Financial Group Report

25,473 22,688 22,688 4,025 4,008 89 1,962 2,797 823 269 269 41,997 28,798 28,889 78,905 45,859 47,692 374,546 370,083 408,251 3,123 151 4 1,704 1,702 1 1 2 8,850 6,742 4,605 534,624 480,152 509,098 5,087 151 2,797 1,260 1,260 439,863 438,723 125 30 53,653 1,455 494,901 441,468 480,152 509,098 5,087 151 2,797 441,468 494,096 486,831 4,317 151 2,797 22,267 22,267 770 770 517,133 509,098 5,087 151 2,797 2016 DGB Financial Group Report 79

80 2016 DGB Financial Group Report

2016 DGB Financial Group Report 81

82 2016 DGB Financial Group Report

2016 DGB Financial Group Report 83

84 2016 DGB Financial Group Report

369,113 5,413 78,840 1,963 55,648 510,977 2,666 75 467 3,208 371,779 5,488 78,840 1,963 56,115 514,185 110,712 1,033 2,208 25 4,975 118,953 136,702 3,012 29,294 1,899 12,244 183,151 16,856 1,443 47,338 39 35,326 101,002 107,509 3,570 111,079 371,779 5,488 78,840 1,963 56,115 514,185 182,005 4,991 13,573 1,936 7,571 210,076 95,895 231 22,839 24 6,950 125,939 21,920 16 27,864 3 4,507 54,310 52,512 235 9,236 2,762 64,745 19,447 15 5,328 34,325 59,115 371,779 5,488 78,840 1,963 56,115 514,185 2016 DGB Financial Group Report 85

176,493 6,555 32,805 23,128 295,023 264,502 7,090 9,951 2,775 8,636 514,185 312,772 109,540 6,765 371,222 8,041 1,805 497,373 4,742 3,382 274,217 10,787 4,701 297,829 3,127 349,863 2,483 350,507 69,053 69,053 56 78,328 136 78,248 3,18 497,244 2,619 497,808 3,465 1,991 42 1,862 (453) 3,183 340,649 3,149 313 592 4,054 1.19 0.68 86 2016 DGB Financial Group Report

108,659 2,342 417 767 8,942 167 15 64 36,286 223 24 226 12,034 38 86 44,588 163 20 241 130,140 1,121 169 443 340,649 4,054 645 1,827 339,138 4,054 645 1,814 1,511 13 340,649 4,054 645 1,827 371 2,069 1,614 4,054 1,406 63 171 43 146 1,406 2,288 2016 DGB Financial Group Report 87

2,288 2,288 936 762 546 454 527 3,224 2,561 1,784 (1,867) 441 (278) (1,704) (2) (167) (89) 2,472 88 2016 DGB Financial Group Report

106,136 5,040 33,029 3,255 124 147,584 1,337 457 1,794 182 8,836 396 9,414 1,337 182 9,293 396 11,208 104,799 4,858 23,736 2,859 124 136,376 2016 DGB Financial Group Report 89

80,732 11,715 128,703 30,804 97,899 99,851 7,621 2,887 89,343 45,689 110,783 10,705 44,068 56,010 4,781 2,916 151 3,123 15,157 3,133 506,734 1,335 8 2,803 1,361 1,442 546 75 471 25 165 165 531 1,963 75 7,451 80,732 11,659 126,996 30,174 96,822 99,851 7,621 2,887 89,343 45,689 108,105 10,705 42,425 54,975 4,781 2,916 151 3,123 18,345 3,133 505,481 15 8 2,599 1,293 1,306 546 75 471 25 136 136 531 1,963 75 5,898 1,445 2,854 110,156 26,925 83,231 89,457 2,921 3,737 82,799 19,846 63,578 8,171 22,678 32,729 8,595 3,320 726 1,352 8,528 2,915 312,772 1.8 24.5 85.0 85.6 84.8 89.1 38.0 129.4 92.2 43.4 58.7 76.3 53.5 59.4 179.8 96.3 480.8 68.9 46.5 90.9 61.2 90 2016 DGB Financial Group Report

73,525 90 2 411 140 3,123 8,015 9 85,315 7,221 10,147 851 751 100 80 1,083 2,080 66 21,528 24,803 24,803 1 1,245 4,290 3,572 718 17,447 531 25 464 24,003 3,410 3,410 28,043 28,043 106,343 10,137 42,312 53,894 1 134,387 77 123,768 26,681 97,087 69,446 7,675 61,771 54 988 568 83 337 518 1,243 101 739 8,000 2,669 207,603 108 686 463 223 2,908 21 2,887 910 30 880 2,561 1,182 8,355 1,700 50 225 1,975 80,747 11,667 129,595 31,467 98,128 100,397 7,696 2,887 89,814 45,714 108,241 10,705 42,425 55,111 4,781 3,447 151 1,963 3,123 18,345 3,208 511,379 2016 DGB Financial Group Report 91

0% 0% 0% 0% 20% 20% 109,887 187,029 142,526 53,609 48,372 68,788 266 266 178,675 187,029 142,526 53,875 48,638 2,135 758 469 234 183 92 2016 DGB Financial Group Report

1,205 780 1,985 991 991 1,985 395 395 2016 DGB Financial Group Report 93

140 140 25 930 128 1,083 740 740 165 930 128 740 1,963 94 2016 DGB Financial Group Report

2016 DGB Financial Group Report 95

96 2016 DGB Financial Group Report

2,425 2,425 2,365 2,365 177 177 213 213 9 9 331 331 304 304 186 2,425 2,611 848 2,365 3,213 2016 DGB Financial Group Report 97

50 37 20 16 1 13 28 14 14 16 16 94 623 459 248 199 12 165 354 177 177 195 195 1,172 98 2016 DGB Financial Group Report

4 12 3 12 20 26 25 8 39 1 9 8 5 20 6 6 23 1 15 14 4 19 5 23 14 12 31 4 2 4 2 14 1 5 18 2016 DGB Financial Group Report 99

100 2016 DGB Financial Group Report

151 151 151 151 50 101 50 101 50 101 50 101 2016 DGB Financial Group Report 101

101 50 101 50 101 50 101 50 101 625 101 625 101 625 101 625 50 625 101 101 102 2016 DGB Financial Group Report

101 50 151 101 101 50 625 151 726 2016 DGB Financial Group Report 103

50 101 151 625 101 726 104 2016 DGB Financial Group Report

170,128 8,534 2,130 549 181,341 161,705 61,954 44,570 68,335 336,564 3,281 2,352 2,218 30,028 37,879 2,086 2,802 2,716 6,996 14,600 5,607 2,383 5,869 19,753 33,612 6,587 4,508 2,830 11,425 25,351 972 302 1,551 2,825 18,534 12,347 13,633 69,753 114,267 2016 DGB Financial Group Report 105

349 137 125 99 186 512 9 1,417 741 198 196 101 169 45 31 1,482 106 2016 DGB Financial Group Report

2016 DGB Financial Group Report 107

2,624 2,556 27 54 2,597 2,502 4 2 4 2 2,628 2,558 2 287 543 543 486 486 315 2,624 2,556 124 1,032 1,057 4 5 4 5 315 2,628 2,561 108 2016 DGB Financial Group Report

2016 DGB Financial Group Report 109

641 45 149 8 110 2016 DGB Financial Group Report

2,350 2,350 194 14 1,096 1 2,350 5 76 2 112 2016 DGB Financial Group Report

7 1 2 145 5 45 112 7 38 4 1 30 2016 2014 DGB Financial Group Report 113

114 2016 DGB Financial Group Report

6 6 1 1 5 5 126 114 2016 2014 DGB Financial Group Report 115

0.63 250.18 250.81 0.50 28.90 29.40 0.50 9.20 9.70 0.30 0.30 500 700 28 1,228 10 50 60 116 2016 DGB Financial Group Report

468 100 50 50 30 300 50 120 100 50 300 30 462 50 50 30 30 70 80 30 100 30 30 50 50 50 55 361 150 300 30 570 4,226 2016 2014 DGB Financial Group Report 117

11 20 6 2 4 5 2 4 4 2 12 4 76 1 1 2 2 2 118 2016 DGB Financial Group Report

2016 DGB Financial Group Report 119

2016 DGB Financial Group Report 121

(Description) ( : ) (Assets) (Cash and Due from Banks) 19,447,134,517 9,392,760,399 (Loans and Receivables) 353,818,768,991 335,199,976,708 (Investments in Associates) 2,727,872,878,712 2,690,886,238,590 (Tangible Assets) 223,203,452 67,021,243 (Intangible Assets) 1,307,288,175 365,082,749 (Deferred Income Tax Assets) 826,934,077 444,181,396 (Other Assets) 13,626,374 612,810,836 (Total Assets) 3,103,509,834,298 3,036,968,071,921 (Liabilities) (Borrowings and Bonds Payable) 559,255,297,478 519,130,206,542 (Retirement Payment Liabilities) 180,822,393 9,168,515 (Other Liabilities) 36,004,538,028 27,127,596,293 (Total Liabilities) 595,440,657,899 546,266,971,350 (Stockholders Equity) (Capital Stock) 845,265,770,000 845,265,770,000 (Capital surplus) 1,560,191,413,160 1,560,191,413,160 (Retained Earnings) 103,499,687,992 85,722,390,917 (Accumulated Other Comprehensive Income,Net of Taxes) (887,694,753) (478,473,506) (Total Stockholders Equity) 2,508,069,176,399 2,490,701,100,571 (Total Liabilities and Stockholders Equity) 3,103,509,834,298 3,036,968,071,921 122 2016 DGB Financial Group Report

( : ) (Description) (Net Interest Income(Loss)) (9,198,416,393) (7,368,710,417) (Interest Income) 8,171,352,188 9,894,172,905 (Interest Expense) 17,369,768,581 17,262,883,322 (Net Fee and Commission Income(Loss)) (2,080,946,912) (1,014,384,985) (Fee and Commission Income) 22,000,000 22,000,000 (Commission Expense) 2,102,946,912 1,036,384,985 (Receipt of Dividends) 84,881,500,000 78,045,000,000 (Impairment Loss on Financial Assets) (44,501,559) (311,534,836) (General and Administrative Expenses) 10,582,506,369 11,654,586,320 (Net Other Operating Income(Loss)) 2,000,000,000 (Operating Income) 65,064,131,885 58,318,853,114 (NonOperating Income(loss)) (204,055,899) (299,132,335) (Income Before Income Tax Expense) 64,860,075,986 58,019,720,779 (Income Tax Expense(Income)) (252,104,209) 75,861,140 (Net Income) 65,112,180,195 57,943,859,639 (Other Comprehensive Income(loss)) (409,221,247) (96,549,766) (Total Comprehensive Income) 64,702,958,948 57,847,309,873 (Earnings per Share) 385 346 2016 DGB Financial Group Report 123

( : ) (Description) (Retained Earning Before Appropriations) 74,721,687,992 64,627,390,917 (Unappropriated Retained Earnings from Beginning Year) 9,609,507,797 6,683,531,278 (Increase through changes in accounting policies) (Net Income) 65,112,180,195 57,943,859,639 (Transfer from voluntary Reserves) 112,000,000 (Regulatory Reserves for Credit Loss) 112,000,000 (Appropriations of Retained Reserves) 57,365,946,200 55,129,883,120 (Legal Reserve) 6,512,000,000 5,795,000,000 (Regulatory Reserves for Credit Loss) 138,000,000 (Dividends) 50,715,946,200 47,334,883,120 (Indemnity Reserve) 2,000,000,000 (Unappropriated Retained Earnings to Subsequent Year) 17,355,741,792 9,609,507,797 124 2016 DGB Financial Group Report

( : ) (Description) (Capital Stock) (Capital Surplus) (Accumulated Other Comprehensive Income,Net of Taxes) (Retained Earnings) (Total) (Balance at the Beginning of FY2015) 670,265,770,000 1,421,835,315,080 (381,923,740) 70,675,540,558 2,162,394,701,898 (Increase paid in capital and capital surplus) 175,000,000,000 138,356,098,080 313,356,098,080 (Dividends) (42,897,009,280) (42,897,009,280) (Net Income) 57,943,859,639 57,943,859,639 (Remeasurement of defined benefit plan) (96,549,766) (96,549,766) (Balance at the End of FY2015) 845,265,770,000 1,560,191,413,160 (478,473,506) 85,722,390,917 2,490,701,100,571 (Balance at the Beginning of FY2016) 845,265,770,000 1,560,191,413,160 (478,473,506) 85,722,390,917 2,490,701,100,571 (Dividends) (47,334,883,120) (47,334,883,120) (Net Income) 65,112,180,195 65,112,180,195 (Remeasurement of defined benefit plan) (409,221,247) (409,221,247) (Balance at the End of FY2016) 845,265,770,000 1,560,191,413,160 (887,694,753) 103,499,687,992 2,508,069,176,399 2016 DGB Financial Group Report 125

( : ) (Description) (Cash Flows from Operating Activities) 50,263,304,160 147,470,708,566 (Net Income) 65,112,180,195 57,943,859,639 (Adjustment of Revenues & Expenses not Involving Cash Flows) (77,046,394,194) (68,259,436,450) (Income Tax Expense) (252,104,209) 75,861,140 (Interest Expense) 17,369,768,581 17,262,883,322 (Retirement Benefit) 570,248,016 452,955,840 (Depreciation) 44,708,417 85,717,121 (Loss on disposal of Property & Equipment) 3,657,174 (Amortization) 314,681,574 113,853,868 (Provisions for Others) (2,000,000,000) 2,000,000,000 (Provision for loan losses) (44,501,559) (311,534,836) (Interest income) (8,171,352,188) (9,894,172,905) (Dividend income) (84,881,500,000) (78,045,000,000) (Change in Assets and Liabilities) (6,219,365,354) 99,973,777,498 (Decrease(Increase) in Cash and Deposits) (5,000,000,000) (Decrease(Increase) in Loans & Receivables) 100,000,000,000 (Decrease in Receivables) 329,461,537 (Increase in Prepaid Expenses) (142,538) (7,331,247) (Decrease (Increase) in Advance Payments) 5,299,000 (5,245,000) (Decrease in Other Payables) (285,703,936) (56,843,989) (Increase(Decrease) in Accrued Expenses) (181,083,750) 311,377,514 (Increase in Longterm Accrued Expenses) 133,139,302 178,210,066 (Increase(Decrease) in Withholding Taxes) 29,443,440 (23,547,890) (Increase (Increase) in Value Added Tax Withheld) (7,249,998) 7,449,998 (Increase in Withholdings) 9,034,570 2,496,310 (Payment for Retirement and Severance Benefit) (274,734,782) (487,143,426) (Increase in plan assets) (663,729,075) (276,000,000) (Increase (Increase) in other liabilities) 16,362,413 893,625 (Cash Outflows from Interest) (17,818,183,200) (16,848,000,000) (Interest income) 8,190,066,713 10,679,757,879 (Cash Inflows from Dividends) 78,045,000,000 63,980,750,000 126 2016 DGB Financial Group Report

( : ) (Description) (Cash Flows from Investing Activities) (34,886,280,152) (63,518,926,200) (Purchase of Property & Equipment) (204,547,800) (19,498,700) (Purchase of Intangible Assets) (662,859,000) (604,427,500) (Increase(Decrease) in Deposits Provided) (20,000,000) 105,000,000 (Purchase of associates investments) (33,998,873,352) (63,000,000,000) (Cash Flows from Financing Activities) (10,322,649,890) (79,792,213,000) (Issuance of Debentures) 110,000,000,000 149,605,300,000 (Repayments of Bonds) (70,000,000,000) (100,000,000,000) (Increase paid in capital and capital surplus) 313,499,496,280 (Additional acquisition of investments in subsidiaries) (2,987,766,770) (400,000,000,000) (Dividends paid) (47,334,883,120) (42,897,009,280) (Increase(Decrease) in Cash and Cash Equivalents) 5,054,374,118 4,159,569,366 (Cash and Cash Equivalents at Beginning of Period) 9,392,760,399 5,233,191,033 (Cash and Cash Equivalents at End of Period) 14,447,134,517 9,392,760,399 2016 DGB Financial Group Report 127

0.1 1.39 14,447 5,000 3,393 6,000 19,447 9,393 235,000 1,400 117,414 590 (585) 235,000 1,380 98,841 608 (629) 353,819 335,200 629 (44) 585 941 (312) 629 128 2016 DGB Financial Group Report

100 2,281,249 99.52 170,000 100 215,713 100 36,987 100 12,815 100 5,109 100 6,000 2,727,873 100 2,281,249 99.52 170,000 100 215,713 100 12,815 100 5,109 100 6,000 2,690,886 45,945,171 42,325,062 2,473,209 2,473,209 5,575,058 5,298,421 1,106,600 1,106,600 1,851,068 1,613,309 97,042 97,042 18,467 1,229 2,681 2,681 35,230 24,329 13,683 13,683 4,744 264 1,528 1,528 9,601 1,030 8,612 8,612 53,439,339 49,263,644 3,703,355 3,703,355 44,522,990 5,334,713 1,258,282 36,812 4,691 8,332 51,165,820 41,047,432 5,049,145 1,030,491 25,003 155 696 47,152,922 2,304,135 1,165,197 73,898 13,347 1,775 5,657 3,564,009 261,841 18,959 5,379 (2,417) (9) 729 284,482 2016 DGB Financial Group Report 129

500,000,000 169,053,154 5,000 845,265,770,000 1,560,191,413,160 95,120 8,172 22 84,882 44 2,000 30,056 17,370 2,103 10,583 65,064 88,273 9,894 22 78,045 312 29,954 17,263 1,036 11,655 58,319 65,112,180,195 169,053,154 385 57,943,859,639 167,231,236 346 130 2016 DGB Financial Group Report

100 680,625 99.52 173,707 100 121,000 100 10,000 100 12,557 100 3,000 100 6,000 9.2 16,310 90 11,349 52.75 20,000 2016 DGB Financial Group Report 131

19,447 1,400 109,604 63 130,514 235,000 7,631 526 243,157 179 373,850 38 29 3 70 9,393 1,380 94,120 87 104,980 235,000 4,561 522 240,083 159 345,222 84 23 107 480 78,953 79,433 138 7,692 5,929 212 13,833 93,404 220 9 7 236 378 74,052 74,430 126 9,516 3,993 144 13,653 88,209 131 8 4 143 132 2016 DGB Financial Group Report

200,000 170,000 100,000 200,000 100,000 616 420 541 219 1,036 760 2016 DGB Financial Group Report 133

134 2016 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) 2,547,299,459,936 402,481,702,682 82,254,804,250 4,199,693,774,903 7,890,514,734,882 37,454,618,596,565 95,042,202 402,850,693 428,986,982,703 99,615,294,808 133,096,931,144 25,990,970,956 197,349,386,861 53,462,400,532,585 35,385,468,928,335 125,974,538,697 12,518,165,684 3,174,782,213,857 4,107,517,392,210 8,773,132,020 28,860,991,737 5,121,199,877,843 1,524,972,407,846 49,490,067,648,229 845,265,770,000 1,560,454,863,590 1,303,373,955,359 (996,675,400) (27,384,630,155) 291,619,600,962 3,972,332,884,356 53,462,400,532,585 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 2016 DGB Financial Group Report 135

( : ) (Description) (Net Interest Income) 1,202,085,916,318 1,160,490,484,559 (Interest Income) 1,738,969,328,500 1,776,731,367,578 (Interest Expense) 536,883,412,182 616,240,883,019 (Net Fee and Commission Income) 69,647,259,187 78,071,285,111 (Fee and Commission Income) 137,750,927,969 141,086,254,859 (Commission Expense) 68,103,668,782 63,014,969,748 (Net insuarance loss ) (54,914,506,552) (27,929,553,297) (Insuarance income) 894,557,593,511 960,315,401,459 (Insuarance expense) 949,472,100,063 988,244,954,756 (Net Income on Financial Assets Held for Trading) 13,168,011,883 5,954,054,123 (Net Income on Financial Assets Designated at Fair Value Through Profit or Loss) 1,552,088,470 3,351,617,780 (Net Income on AvailableforSale Financial Assets) 74,691,256,405 75,600,327,339 (Net Income on Derivative AssetsHedge Accounting) (9,239,587,530) 650,468,187 (Impairment Loss on Financial Assets) 202,442,865,089 228,742,088,191 (Net Income(Loss) on Foreign Exchange) 4,173,799,127 (361,863,746) (General and Administrative Expenses) 638,998,477,738 627,204,701,844 (Net Other Operating Income(Loss)) (72,793,934,658) (96,901,824,658) (Operating Income) 386,928,959,823 342,978,205,363 (NonOperating Income(loss)) 854,950,488 432,367,221 (Income Before Income Tax Expense) 387,783,910,311 343,410,572,584 (Income Tax Expense) 85,929,223,686 35,092,085,410 (Net Income) 301,854,686,625 308,318,487,174 (Net Income in Controlling Interest) 287,676,590,811 294,097,767,140 (Net Income in NonControlling Interest) 14,178,095,814 14,220,720,034 (Comprehensive Income(Loss)) (45,367,116,033) 837,690,118 (Gain(Loss) on Valuation of Availableforsale Financial Assets) (35,180,503,877) 7,090,928,310 (Gain(Loss) on Translating Foreign Operations) 1,161,973,441 1,653,504,828 (Actuarial Gains (Losses)) (11,348,585,597) (7,906,743,020) (Total Comprehensive Income) 256,487,570,592 309,156,177,292 (Total Comprehensive Income in Controlling Interest) 242,361,120,365 294,856,568,068 (Total Comprehensive Income in NonControlling Interest) 14,126,450,227 14,299,609,224 (Earnings per Share) 1,702 1,759 136 2016 DGB Financial Group Report

(Description) (Balance at the Beginning of FY2015) (Hybrid Bonds Dividends) (Net Income for the year) (Increase paid in capital and capital surplus) (Dividends) (Gain on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Change due to business combinations) (Others) (Balance at the End of FY2015) (Balance at the Beginning of FY2016) (Hybrid Bonds Dividends) (Net Income for the year) (Dividends) (Loss on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Change due to business combinations) (Others) (Balance at the End of FY2016) (Capital Stock) 670,265,770,000 175,000,000,000 845,265,770,000 845,265,770,000 845,265,770,000 (Capital surplus) 1,423,484,159,107 138,356,098,080 (1,385,393,597) 1,560,454,863,590 1,560,454,863,590 1,560,454,863,590 (Capital Adjustment) (720,209,000) 720,209,000 (996,675,400) (996,675,400) (Accumulated Other Comprehensive Income, Net of Taxes) 17,110,559,585 7,012,389,803 1,653,504,828 (7,907,093,703) 17,869,360,513 17,869,360,513 (35,066,444,686) 1,161,973,441 (11,349,519,423) (27,384,630,155) (Retained Earnings) 811,844,793,627 294,097,767,140 (42,897,009,280) 1,063,045,551,487 1,063,045,551,487 287,676,590,811 (47,334,883,120) (13,303,819) 1,303,373,955,359 (NonControlling Interest) 289,564,700,000 (14,060,800,000) 14,220,720,034 ( : ) 78,538,507 350,683 805,575,118 (93,268,333) 290,515,816,009 290,515,816,009 (14,060,800,000) 14,178,095,814 (114,059,191) 61,479,778 933,826 1,889,103,593 (850,968,867) 291,619,600,962 (Total) 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 3,777,151,361,599 (14,060,800,000) 301,854,686,625 (47,334,883,120) (35,180,503,877) 1,223,453,219 (11,348,585,597) 1,889,103,593 (1,860,948,086) 3,972,332,884,356 2016 DGB Financial Group Report 137

( : ) (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) 32,634,253,958 301,854,686,625 (691,798,995,225) 85,929,223,686 536,883,412,182 2,176,034,073 124,067,925,949 739,437,922 456,345,000 5,259,246,517 4,622,088,515 151,128,334 10,481,496,881 105,098,472 236,343 49,936,215 197,820,776,574 1,935,813,257 59,898,647,894 500,808,189 750,411,207 251,860,000 29,995,021,676 200,805,142,298 1,103,757,014 3,310,547,013 18,190,212,135 182,782,396,043 (1,738,969,328,500) (39,820,747,387) (603,481,729) (118,676,014,451) (11,530,333) (1,128,397,070) 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) 138 2016 DGB Financial Group Report

( : ) (Description) (Gain on Sale of Availableforsale Financial Assets) (Gain on valuation of hedged assets) (Gain on transaction of Hedging Derivative Instruments) (Gain on Valuation of Hedging Derivative Instruments) (Reversal of Reserve for Credit RiskAdjustment of Hedging Derivative Instruments) (Gain on disposal of Property & Equipment) (Gain on disposal of intangible assets) (Recovery of negative goodwill) (Recovery of Provisions) (Gain on Foreign Exchange) (Other operating income) (Gain from equity method investment securities) (Other nonoperating income) (Reversal of Expense of Stock Option) (Decrease(Increase) in Restricted Cash and Deposits) (Decrease(Increase) in Trading Securities) (Decrease in Derivative AssetsTrading) (Decrease(Increase) in financial assets designated at fair value through profit or loss) (Increase in Loans & Receivables) (Increase in Deferred Loan Origination Costs) (Increase(Decrease) in Deferred Loan Origination Fees) (Recovery of loans Writtenoff ) (Decrease(Increase) in Other Assets) (Increase in deferred acquisition costs) (Increase in separate account s asset) (Increase in Depository Liabilities) (Decrease in Trading Derivative Liabilities) (Decrease in provision for retirement benefits) (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) (49,351,808,580) (4,984,816) (1,347,244,166) (47,001,107) (772,727) (4,629,251,724) (204,978,941,425) (415,570,072) (80,924,527) (740,731,609,022) (431,901,778,469) (23,805,150,873) 38,408,666,317 177,460,870,000 (1,422,444,635,482) (36,365,090,645) 8,524,830,330 45,438,536,659 124,077,461 (50,519,047,770) (18,823,047,998) 1,817,976,718,946 (30,924,311,519) (7,764,011,374) (46,532,390,901) (779,518,836,236) 19,932,992,532 (531,179,821,484) 1,716,140,642,761 39,820,747,387 (75,427,201,602) (58,209,262) (2,788,135,787) (139,169,354) (74,947,969) (81,757,500) (1,601,849,554) (5,075,691,953) (122,639,197,600) (200,612,472) (50,466,925) (768,241,748,080) 289,249,845,508 6,176,240,068 34,769,599,866 (47,120,378,800) (4,645,188,312,456) (49,349,977,057) 6,140,923,690 37,870,301,432 (19,206,094,925) (35,354,624,588) (14,537,975,997) 2,772,228,987,630 (34,030,800,468) (4,315,732,867) (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 2016 DGB Financial Group Report 139

( : ) (Description) (Cash Outflows from Income Tax Expense) (Increase(Decrease) in Other Liabilities) (Acquisition of Availableforsale Financial Assets) (Proceeds from disposition of Availableforsale Financial Assets) (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) (Decrease in NonControlling Interest) (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) (61,471,397,084) (545,428,094,038) (7,027,946,798,361) 6,507,986,357,338 (1,042,659,868,304) 1,172,190,655,050 (92,637,527,910) 16,282,079,295 (1,064,887,266) (33,998,873,352) (41,428,939,444) 1,085,672,727 (3,118,630,509) (117,333,302) 525,287,830,671 (240,059,208,842) 1,339,787,879,350 (391,319,903,456) 6,556,208,654 (39,213,470,384) 40,977,740 6,009,835,775 (93,257,856,960) (47,334,883,120) (14,060,800,000) (1,860,948,086) 12,493,990,591 909,741,676,047 134,090,625 7,836,610,216 930,206,367,479 (81,283,511,248) (915,581,424,327) (7,367,690,403,325) 6,756,757,347,923 (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 42,216,272,901 909,741,676,047 140 2016 DGB Financial Group Report

136,125,000 34,573,773 24,200,000 2,000,000 2,511,415 600,000 1,200,000 100 99.52 100 100 100 100 100 3,620,109 276,637 237,759 17,238 10,901 4,480 8,571 4,175,695 2,473,209 1,106,600 97,042 2,681 13,683 1,528 8,612 3,703,355 264,977 14,888 14,051 458 (908) (56) 934 294,344 1231 1231 1231 1231 1231 1231 1231 260,000 210,000 643,200 50,000 47,988 880,435 13,154 2,104,777 258,025 209,024 641,306 52,327 47,040 884,715 13,280 2,105,717 2016 DGB Financial Group Report 141

300,000 9.20% 516 403 403 300,000 9.20% 516 453 453 453 (50) 403 456 (3) 453 6,886 2,506 5,180 (543) 7,204 2,280 2,904 (38) 12 2016. 12. 31 142 2016 DGB Financial Group Report

23,568,694 23,653,696 22,221,950 22,300,239 9,482,315 527,878 9,523,422 528,691 9,048,210 525,206 9,101,403 526,434 33,578,887 33,705,809 31,795,366 31,928,076 543,862 544,057 541,392 541,499 313,118 313,118 164,291 164,291 633,246 633,600 579,696 581,390 15,094 15,094 14,731 14,731 134,301 4,121 134,301 4,121 88,697 1,342 88,697 1,342 398,636 398,440 377,322 377,064 312,300 95,157 312,300 95,157 231,710 390,260 231,710 390,260 245,026 245,515 112,266 114,492 222,471 222,605 181,821 187,781 114,251 114,251 167,699 167,699 1,541,357 1,541,784 1,565,848 1,573,776 36,610,470 36,738,368 34,646,593 34,789,032 142,378 141,012 139,088 137,340 430,866 430,866 1,205,527 1,205,527 323,700 323,700 323,109 323,109 195,667 195,667 61,251 61,251 1,092,611 1,091,245 1,728,975 1,727,227 (281,758) (281,758) (360,335) (360,335) (3,093) (3,093) (2,169) (2,169) 98 98 (7,350) (7,350) (5,062) (5,062) 43,739 43,739 44,497 44,497 37,454,619 37,581,151 36,052,597 36,193,288 2016 DGB Financial Group Report 143

12,539,550 11,950,018 11,029,144 10,271,932 23,568,694 22,221,950 5,838,943 5,524,532 3,643,372 3,523,678 9,482,315 9,048,210 126,405 191,778 401,473 333,428 527,878 525,206 33,578,887 31,795,366 184,242 161,542 99,235 130,512 260,385 249,338 543,862 541,392 245,878 419,297 404 665,579 25,146 23,525 64 48,735 220,732 395,772 340 616,844 245,878 368,024 404 614,306 25,146 23,525 64 48,735 220,732 344,499 340 565,571 144 2016 DGB Financial Group Report

360,335 7 197,821 45,408 (41,032) (264,295) (16,787) (224) 525 281,758 324,062 15,109 223,188 37,870 (34,771) (193,713) (11,710) 312 (12) 360,335 500,000,000 169,053,154 5,000 845,265,770,000 1,560,454,863,590 ()996,675,400 2016 DGB Financial Group Report 145

20130528 20131025 20131101 20430528 20431025 20431101 4.53 5.55 5.55 199,700 59,911 29,954 289,565 2,055 291,620 14,061 199,700 59,911 29,954 289,565 951 290,516 14,061 163,749 1,043 1,138,582 1,303,374 131,401 1,155 930,490 1,063,046 146 2016 DGB Financial Group Report

288,302 15,689 303,991 180,331 2,931 105,040 288,302 15,689 105,040 271,988 189,058 1,609 1,131 2016 DGB Financial Group Report 147

3,654,971 1,738,969 137,751 894,558 527,831 10,110 80,101 1,347 204,979 59,325 3,507,723 1,776,731 141,086 960,315 369,934 8,272 86,868 2,927 122,639 38,951 3,268,042 536,883 68,104 949,472 514,663 8,558 5,410 10,587 200,805 202,443 638,998 132,119 3,164,745 616,240 63,015 988,244 363,980 4,920 11,268 2,277 123,001 228,742 627,205 135,853 386,929 342,978 287,676,590,811 294,097,767,140 169,053,154 167,231,236 1,702 1,759 148 2016 DGB Financial Group Report