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All- Star Line up ANNUAL REPORT 2009

C O N T E N T S 001 002 CEO 006 2009 008 2009 All-Star Line Up 012 014 016 KB 017 KB 018 020 KB IT 022 All-Star Line Up 028 030 032 034 035 036 038 All-Star Line Up 042 KB 050 KB 052 KB 054 KB 056 KB 058 KB 060 KB 062 KB 064 KB All-Star Line Up 068 094 208 209 Forward Looking Statements

Line up All-Time Best DOMINANT Outstanding Peerless Consistent Foremost Profitable Exceptional Phenomenal Cutting-edge

[in KRW billion] [in KRW billion] [in KRW billion] [in KRW billion] [in KRW billion] [in KRW billion] [in KRW [in billion] KRW billion] [in KRW billion] [in KRW billion] [in KRW billion] 256,519.8 2,041.2 2,521.0 108.6 257.3 126.0 221.9 29.4 44.9 19,342.5 635.8 295.6-41.5 151.5 3.3 96.3 28.8 121.3 23.8 104.8 2.2 37.4 6.2 23.6 4.3 16.8 5.3

2009 KB BIS 316.0 20.6 539.8 3,189.3 0.20 3.20 14.04 1.11

CEO KB 2009

KB KB FINANCIAL GROUP ANNUAL REPORT 2009 002 003

01 04 02 03

KB FINANCIAL GROUP ANNUAL REPORT 2009 004 005

2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 006 007

2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 008 009

All-Star Line Up

Global ASIA TOP 10, GLOBAL TOP 50 01 02 03

2010 One-Firm Portfolio Two track Needs KB FINANCIAL GROUP ANNUAL REPORT 2009 012 013

KB FINANCIAL GROUP ANNUAL REPORT 2009 014 015

CSO CFO CHRO CIO KB

KB KB 100% KB 100% KB 51% KB 100% KB 100% KB 100% KB 100% KB 100% KB 100% 100% 100% KB 51% 100% KB 0.03% 2.56% 38.57% KB FINANCIAL GROUP ANNUAL REPORT 2009 016 017

KB plustar ING

S Y N E R G Y C R E A T I O N KB FINANCIAL GROUP ANNUAL REPORT 2009 018 019

KB IT 2009 KB KB KB Retail KB KB HTS IT

I T S Y S T E M KB FINANCIAL GROUP ANNUAL REPORT 2009 020 021

R I S K M A N A G E M E N T KB FINANCIAL GROUP ANNUAL REPORT 2009 022 023

KB FINANCIAL GROUP ANNUAL REPORT 2009 024 025

All-Star Line Up

C O R P O R A T E G O V E R N A N C E KB FINANCIAL GROUP ANNUAL REPORT 2009 028 029

Jacques P.M. Kemp.....................

........ Kang & Company....... KB FINANCIAL GROUP ANNUAL REPORT 2009 030 031

E T H I C A L M A N A G E M E N T KB FINANCIAL GROUP ANNUAL REPORT 2009 032 033

KB 2009 S H A R E H O L D E R R E L A T I O N S H I P

KB C O R P O R A T E C U L T U R E KB FINANCIAL GROUP ANNUAL REPORT 2009 034 035

G R E E N B A N K I N G KB FINANCIAL GROUP ANNUAL REPORT 2009 036 037

KB KB

S O C I A L A C T I V I T Y KB FINANCIAL GROUP ANNUAL REPORT 2009 038 039

All-Star Line Up

KB KB KB plustar 1 2 2005 2006 2007 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 042 043

KB FINANCIAL GROUP ANNUAL REPORT 2009 044 045

KB FINANCIAL GROUP ANNUAL REPORT 2009 046 047

. KB FINANCIAL GROUP ANNUAL REPORT 2009 048 049

KBKB M&A IB KB 8.9 10.4 +16.9% 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 050 051

KB KB KSQI 919.4 770.4 +19.3% 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 052 053

SOC Commodity KB 28.8 27.9 +3.2% 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 054 055

KB REIT REIT s ING s 23.8 +1,883.3% 1.2 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 056 057

KB 126.0 115.4 +9.2% 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 058 059

KB HTS 150.1 221.9 +47.8% 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 060 061

KB 5.4 0.7 +697% 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 062 063

KBCRM IT IT 40.6 6.3 +540% 2008 2009

KB FINANCIAL GROUP ANNUAL REPORT 2009 064 065

All-Star Line Up

KB FINANCIAL GROUP ANNUAL REPORT 2009 068 069

612.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0-612.6 0.0-36.1 6,262.7 55.8 85.3 4.7 15.1 1.4 4.1 0.7 1.0 19.0 6,413.7-7.3 445.4 56.3-38.2 62.4 39.9-9.2 16.4 53.6 26.7-86.0 560.0 27.6 3,543.6 74.9 43.3 27.7 17.2 4.8 11.5 48.5 20.8-35.5 3,784.4 541.6 3,164.5 37.2 3.8 39.4 37.8-12.6 9.0 5.8 6.9-644.1 3,189.3-0.2 2,445.9 84.8 0.2 0.3 6.4 0.0 0.0 0.0 0.0 0.5 2,537.9 541.8 718.6-47.6 3.6 39.1 31.4-12.6 9.0 5.8 6.9-644.6 651.4 0.9-38.4-1.4-0.2-0.5 0.1-2.7-0.9 0.0 0.0-56.1-99.2 542.7 680.2-49.0 3.4 38.6 31.5-15.3 8.1 5.8 6.9-700.7 552.2 2.9 27.8-7.5 0.1 9.8 7.7 0.1 1.9 1.5 1.6-20.9 25.0 0.0-0.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0-0.3 539.8 653.1-41.5 3.3 28.8 23.8-15.4 6.2 4.3 5.3-680.2 527.5 0.0-1.0 0.0 0.0 0.0 0.0-17.6 0.0 0.0 0.0 6.3-12.3 539.8 654.1-41.5 3.3 28.8 23.8 2.2 6.2 4.3 5.3-686.5 539.8

2009 2008 165.4 144.6 14.4% 649.8 811.8-20.0% -245.2-209.9 n.a. 52.1 85.3-38.9% 48.0 37.1 29.4% 702.8 811.6-13.4% 97.3 122.3-20.4% 312.4 362.8-13.9% 74.1 100.0-25.9% 92.1 87.7 5.0% 320.2 171.0 87.3% -575.4-124.9 n.a. 560.0 1,002.5-44.1% 2009 2008 1,709.9 1,861.6-8.1% 1,452.9 1,527.9-4.9% 494.2 483.7 2.2% 127.4 148.0-13.9% 3,784.4 4,021.2-5.9% KB FINANCIAL GROUP ANNUAL REPORT 2009 070 071

2009 2008 262,168.5 267,548.8-2.0% 9,769.1 8,316.2 17.5% 42,535.6 38,985.3 9.1% 195,398.0 198,930.2-1.8% -3,532.1-3,477.4 1.6% 3,345.3 3,502.5-4.5% 11,120.5 17,814.6-37.6% 244,057.2 251,486.7-3.0% 172,439.9 162,210.3 6.3% 15,709.8 20,389.2-23.0% 38,783.5 43,106.3-10.0% 17,124.0 25,780.9-33.6% 18,111.3 16,062.1 12.8% 1,931.8 1,781.8 8.4% 16,428.9 15,473.5 6.2% -2,919.0-3,145.1-7.2% 1,232.2 1,087.5 13.3% 1,177.7 630.9 86.7% 259.7 233.5 11.2% 262,168.5 267,548.8-2.0%

18,663.5 259,457.5 2,041.2 2,521.1 108.6 257.3 327.8 221.9 29.4 44.9-21,504.7 262,168.5 845.4 9,306.2 290.7 71.7 70.0 0.5 34.7 197.0 10.4 12.7-1,070.2 9,769.1 17,612.1 41,345.9 1,547.0 1,898.7 19.6 21.0 276.0 18.4 0.0 0.0-20,203.1 42,535.6 169.2 195,164.9 132.8 88.2 2.0 0.0 10.3 0.0 0.0 0.3-169.7 195,398.0 1.7 3,331.2 8.2 2.9 0.1 0.3 0.1 0.8 1.1 0.2-1.3 3,345.3 35.1 10,309.3 62.5 459.6 16.9 235.5 6.7 5.7 17.9 31.7-60.4 11,120.5 811.9 240,033.4 1,745.6 2,369.5 12.3 136.0 44.3 184.6 5.8 28.1-1,314.3 244,057.2 0.0 173,275.4 55.8 0.0 1.3 0.1 0.0 180.2 0.0 0.0-1,072.9 172,439.9 798.4 52,064.9 1,656.7 0.0 0.0 123.0 20.0 0.0 0.0 0.0-169.7 54,493.3 13.5 14,693.1 33.1 2,369.5 11.0 12.9 24.3 4.4 5.8 28.1-71.7 17,124.0 17,851.6 19,424.1 295.6 151.6 96.3 121.3 283.5 37.3 23.6 16.8-20,190.4 18,111.3 1,931.8 2,481.9 78.0 156.0 38.3 80.0 44.8 20.0 6.3 8.0-2,913.3 1,931.8 16,428.9 6,267.6 111.9 0.0 0.0 0.0 18.9 0.0 1.4 0.0-6,399.8 16,428.9-2,919.0 0.0 0.0-1.2 0.0 0.0 0.0 0.0 0.0 0.0 1.2-2,919.0 1,232.2 1,543.4 47.2-5.0 0.2 0.1-3.8 5.4 0.0 0.0-1,587.5 1,232.2 1,177.7 9,124.5 58.5 1.8 57.8 41.2 44.9 11.9 15.9 8.8-9,365.3 1,177.7 17,851.6 19,417.4 295.6 151.6 96.3 121.3 104.8 37.3 23.6 16.8-20,264.7 17,851.6 0.0 6.7 0.0 0.0 0.0 0.0 178.7 0.0 0.0 0.0 74.3 259.7 18,663.5 259,457.5 2,041.2 2,521.1 108.6 257.3 327.8 221.9 29.4 44.9-21,504.7 262,168.5 KB FINANCIAL GROUP ANNUAL REPORT 2009 072 073

2009 2008 204,960.5 209,872.5-2.3% 198,559.8 204,147.5-2.7% 3,953.5 3,076.3 28.5% 1,351.1 1,605.7-15.9% 668.9 567.6 17.8% 427.2 475.4-10.1% 2,447.2 2,648.7-7.6% 1.19% 1.26% -0.07%p 3,593.8 3,554.0 1.1% 146.85% 134.18% 12.67%p

2009 2008 6,220.6 7,230.6 (1,010.0) -14.0% 457.8 368.4 89.4 24.3% 3,535.6 3,799.6 (264.0) -6.9% 3,142.8 3,799.4 (656.6) -17.3% 2,439.7 1,987.9 451.8 22.7% 1,925.8 1,811.3 114.5 6.3% 703.1 1,811.5 (1,108.4) -61.2% (42.6) 346.8 (389.4) -112.3% 660.5 2,158.3 (1,497.8) -69.4% 24.7 647.5 (622.8) -96.2% 635.8 1,510.8 (875.0) -57.9% KB FINANCIAL GROUP ANNUAL REPORT 2009 074 075

2009 2008 14,388.8 16,564.0 (2,175.2) (13.1) 12,808.9 14,785.6 (1,976.7) (13.4) 1,538.7 1,643.8 (105.1) (6.4) 41.2 134.6 (93.4) (69.4) 8,168.2 9,333.4 (1,165.2) (12.5) 5,467.7 6,333.9 (866.2) (13.7) 2,183.0 2,918.5 (735.5) (25.2) 517.5 81.0 436.5 538.9 6,220.6 7,230.6 (1,010.0) (14.0) 2009 2008 714.1 844.2 (130.1) (15.4) 306.6 356.5 (49.9) (14.0) 131.9 170.2 (38.3) (22.5) 52.1 85.3 (33.2) (38.9) 98.3 84.8 13.5 15.9 39.3 66.6 (27.3) (41.0) 85.9 80.8 5.1 6.3 284.0 (371.4) 655.4 n.a. (540.3) (104.4) (435.9) n.a. 457.8 368.4 89.4 24.3

2009 2008 3,535.6 3,799.6 (264.0) (6.9) 1,594.4 1,755.7 (161.3) (9.2) 1,360.0 1,443.8 (83.8) (5.8) 460.9 458.1 2.8 0.6 120.3 142.0 (21.7) (15.3) 52.8% 50.5% 2.3%p KB FINANCIAL GROUP ANNUAL REPORT 2009 076 077

2009 2008 3,142.8 3,799.4 (656.6) (17.3) 2,439.7 1,987.9 451.8 22.7 1,925.8 1,811.3 114.5 6.3 262.1 202.5 59.6 29.4 1,381.6 1,471.4 (89.8) (6.1) 282.1 137.4 144.7 105.3 513.9 176.6 337.3 191.0 703.1 1,811.5 (1,108.4) (61.2) 2009 2008 0.5 2.6 (2.1) -80.8% (52.1) 369.8 (421.9) -114.1% (19.9) (30.3) 10.4-34.3% (32.2) 400.1 (432.3) -108.0% 9.0 (25.6) 34.6-135.2% (42.6) 346.8 (389.4) -112.3%

2009 2008 256,519.8 262,093.2 (5,573.4) (2.1) 8,853.6 7,728.2 1,125.4 14.6 38,972.3 34,928.9 4,043.4 11.6 195,067.0 198,694.9 (3,627.9) (1.8) 3,329.3 3,492.8 (163.5) (4.7) 10,297.6 17,248.4 (6,950.8) (40.3) 237,177.3 244,779.1 (7,601.8) (3.1) 170,385.9 158,867.9 11,518.0 7.3 13,973.3 19,149.0 (5,175.7) (27.0) 37,985.1 42,610.6 (4,625.5) (10.9) 14,833.0 24,151.6 (9,318.6) (38.6) 19,342.5 17,314.1 2,028.4 11.7 256,519.8 262,093.2 (5,573.4) (2.1) KB FINANCIAL GROUP ANNUAL REPORT 2009 078 079

2009 2008 174,471.7 174,355.5 116.2 0.1% 97,129.6 97,178.0 (48.4) 0.0% 45,140.0 45,329.2 (189.2) -0.4% 51,989.6 51,848.8 140.8 0.3% 77,342.1 77,177.5 164.6 0.2% 62,424.0 60,236.4 2,187.6 3.6% 11,620.2 12,269.6 (649.4) -5.3% 3,298.0 4,671.6 (1,373.6) -29.4% 11,384.1 11,527.5 (143.4) -1.2% 6,520.4 6,068.2 452.2 7.5% 2,259.7 2,530.7 (271.0) -10.7% 2,565.6 2,889.5 (323.9) -11.2% 38.4 39.1 (0.7) -1.8% 185,855.8 185,883.0 (27.2) 0.0%

2009 2008 143,432.8 130,960.8 12,472.0 9.5% 51,196.1 46,522.0 4,674.1 10.0% 17,964.4 15,039.0 2,925.4 19.5% 20,092.1 16,837.4 3,254.7 19.3% 9,092.1 10,736.1 (1,644.0) -15.3% 4,047.5 3,909.5 138.0 3.5% 92,236.7 84,438.8 7,797.9 9.2% 79,332.9 73,685.4 5,647.5 7.7% 3,690.6 4,199.1 (508.5) -12.1% 9,213.2 6,554.3 2,658.9 40.6% 23,957.8 25,078.8 (1,121.0) -4.5% 2,154.6 3,839.8 (1,685.2) -43.9% 169,545.2 159,879.4 9,665.8 6.0% 37,985.1 42,610.6 (4,625.5) -10.9% KB FINANCIAL GROUP ANNUAL REPORT 2009 080 081

2009 2008 16,734.5 15,302.6 1,428.9 9.3% 2,481.9 2,181.9 300.0 13.7% 1,100.0 898.5 201.5 22.4% 6,090.3 6,091.8 (1.5) 0.0% 9,124.5 8,485.9 638.6 7.5% (1,238.4) (1,355.2) 116.8 n.a. (823.8) (1,000.4) 176.6 n.a. 4,973.1 5,023.8 (50.7) -1.0% 177.2 177.2 0.0 0.0% 393.9 485.6 (91.7) -18.9% 169.4 160.8 8.6 5.3% 4,315.8 4,745.4 (429.6) -9.1% (115.6) (545.3) 429.7-78.8% 21,707.7 20,326.3 1,381.4 6.8% 154,593.4 154,261.3 332.1 0.2% 14.04% 13.18% 0.86%p 10.82% 9.92% 0.90%p 3.22% 3.26% -0.04%p

2009 2008 204,478.8 209,401.2 (4,922.4) (2.4) 198,251.0 203,852.2 (5,601.2) (2.7) 3,953.1 2,900.8 1,052.3 36.3 1,291.0 1,605.6 (314.6) (19.6) 584.9 567.8 17.1 3.0 398.8 474.8 (76.0) (16.0) 2,274.7 2,648.2 (373.5) (14.1) 1.11% 1.26% -0.15%P 3,484.8 3,529.0 (44.2) (1.3) 153.20% 133.26% 19.94%P 0.63% 0.65% -0.02%P 2,302.6 1,199.4 1,103.2 92.0 668.9 302.7 366.2 121.0 2009 2008 577.8 0.59% 579.8 0.59% (2.00) - 275.4 0.53% 304.5 0.58% (29.10) -0.05%p 302.4 0.67% 275.3 0.61% 27.10 0.06%p 1,605.0 1.69% 1,963.5 1.98% (358.50) -0.29%p 1,210.2 1.75% 1,709.0 2.49% (498.80) -0.74%p 394.8 1.54% 254.5 0.83% 140.30 0.71%p 91.9 0.76% 104.9 0.85% (13.00) -0.09%p 2,274.7 1.11% 2,648.2 1.26% (373.50) -0.15%p KB FINANCIAL GROUP ANNUAL REPORT 2009 082 083

2009 2008 1,343.7 232.55% 1,352.6 233.29% -0.7% -0.73%P 701.5 254.72% 706.3 231.96% -0.7% 22.76%P 642.2 212.37% 646.3 234.76% -0.6% -22.39%P 1,873.5 116.73% 1,891.5 96.33% -1.0% 20.40%P 1,496.1 123.62% 1,545.0 90.40% -3.2% 33.22%P 377.4 95.59% 346.5 136.15% 8.9% -40.56%P 267.6 291.19% 284.9 271.59% -6.1% 19.59%P 3,484.8 153.20% 3,529.0 133.26% -1.3% 19.94%P 2009 2008 616.5 0.77% 598.1 0.61% 3.1% 0.16%P 399.5 0.76% 295.2 0.56% 35.3% 0.20%P 217.0 0.48% 302.9 0.67% -28.4% -0.19%P 489.8 0.56% 531.6 0.58% -7.9% -0.02%P 459.4 0.68% 512.7 0.78% -10.4% -0.10%P 30.4 0.15% 18.9 0.07% 60.8% 0.08%P 123.3 1.08% 167.8 1.45% -26.5% -0.37%P 1,229.6 0.63% 1,297.4 0.65% -5.2% -0.02%P

2009* 2008* 19.8 15.5 4.3 27.7 24.1 30.2-6.1-20.2 10.4 8.9 1.5 16.9 8.9 25.7-16.8-65.4-11.6 6.6-18.2-275.8 10.0-6.2 16.2 261.3 55.3 45.0 10.3 22.9 7.0 2.8 4.2 150.0 74.9 51.3 23.6 46.0-84.1-21.3-62.8 n.a. -49.1 50.3-99.4-197.6-41.5 34.8-76.3-219.3 290.7 75.3 215.4 286.1 1,546.9 1,624.3-77.4-4.8 3.7 0.0 3.7 n.a. 132.8 237.8-105.0-44.2 8.2 2.4 5.8 241.7 58.9 112.5-53.6-47.6 2,041.2 2,052.3-11.1-0.5 55.8 30.7 25.1 81.8 1,659.2 1,569.5 89.7 5.7 30.6 129.9-99.3-76.4 1,745.6 1,730.2 15.4 0.9 295.6 322.1-26.5-8.2 2,041.2 2,052.3-11.1-0.5 KB FINANCIAL GROUP ANNUAL REPORT 2009 084 085

2009* 2008* 901.8 715.9 185.9 26.0 898.1 723.7 174.4 24.1 3.7-7.8 11.5 147.4 0.0 0.0 0.0 n.a. 0.3 0.9-0.6-66.7 3.4-8.7 12.1 139.1 3.3-6.5 9.8 150.8 71.7 99.8-28.1-28.2 1,898.6 1,293.1 605.5 46.8 88.2 66.8 21.4 32.0 2.9 3.6-0.7-19.4 171.9 153.0 18.9 12.4 287.7 153.0 134.7 88.0 2,521.0 1,769.3 751.7 42.5 2,044.3 1,470.0 574.3 39.1 1.0-2.0 3.0 150.0 32.6 19.3 13.3 68.9 291.6 155.5 136.1 87.5 2,369.5 1,642.8 726.7 44.2 151.5 126.5 25.0 19.8 2,521.0 1,769.3 751.7 42.5

2009* 2008* 67.1 70.3-3.2-4.6% 57.2 59.7-2.5-4.2% 5.2 4.7 0.5 10.6% 28.0 31.5-3.5-11.1% 7.4 9.6-2.2-22.9% 20.5 21.4-0.9-4.2% 39.1 38.8 0.3 0.8% -0.5-0.2-0.3 n.a. 38.6 38.6 0.0 0.0% 28.8 27.9 0.9 3.2% 70.0 106.8-36.8-34.5% 19.6 3.8 15.8 415.8% 2.0 1.7 0.3 17.6% 0.0 0.1-0.1-100.0% 16.9 14.3 2.6 18.2% 108.6 126.8-18.2-14.4% 1.3 0.6 0.7 116.7% 11.0 9.7 1.3 13.4% 12.3 10.3 2.0 19.4% 96.3 116.5-20.2-17.3% 108.6 126.8-18.2-14.4% KB FINANCIAL GROUP ANNUAL REPORT 2009 086 087

2009 2008 60.5 56.5 4.0 7.1 31.1 30.1 1.0 3.3 8.5 6.7 1.8 26.9 20.4 19.6 0.8 4.1 29.1 51.8-22.7-43.8 31.4 4.7 26.7 568.1 0.3 0.1 0.2 200.0 0.2 1.6-1.4-87.5 31.5 3.3 28.2 854.5 23.8 1.2 22.6 1,883.3 219.3 189.7 29.6 15.6 38.0 31.7 6.3 19.9 257.3 221.4 35.9 16.2 123.0 108.1 14.9 13.8 13.0 15.8-2.8-17.7 136.0 123.9 12.1 9.8 121.3 97.5 23.8 24.4 257.3 221.4 35.9 16.2

2009 2008 14.7 11.8 2.9 24.6% 9.4 7.3 2.1 28.8% 5.3 4.5 0.8 17.8% 12.6 8.6 4.0 46.5% 2.8 3.2-0.4-12.5% 4.8 0.1 4.7 n.a. 5.0 5.3-0.3-5.7% 2.1 3.2-1.1-34.4% 0.1 0.0 0.1 n.a. 2.2 3.2-1.0-31.3% 32.5 0.9 31.6 n.a. 87.9 107.4-19.5-18.2% 5.6 7.1-1.5-21.1% 126.0 115.4 10.6 9.2% 21.2 11.6 9.6 82.8% 104.8 103.8 1.0 1.0% 126.0 115.4 10.6 9.2% KB FINANCIAL GROUP ANNUAL REPORT 2009 088 089

2009* 2008* 28.7 24.8 3.9 15.7 19.8 16.1 3.7 23.0 8.9 8.7 0.2 2.3 0.1 0 0.1 586.6 1 0.4 0.6 150.0 8 8.3-0.3-3.6 6.2 5.8 0.4 6.9 196.9 119.1 77.8 65.3 18.4 25.5-7.1-27.8 0.8 0.7 0.1 14.3 5.8 4.8 1 20.8 221.9 150.1 71.8 47.8 180.2 107 73.2 68.4 4.4 4.9-0.5-10.2 184.5 111.9 72.6 64.9 37.4 38.2-0.8-2.1 221.9 150.1 71.8 47.8

2009 2008 53.6 54.3-0.7-1.21% 31.6 32.0-0.4-1.3% 16.9 17.9-1.0-5.9% 5.1 4.4 0.8 17.4% 0.7 1.4-0.7-50.2% 1.5 1.6-0.1-8.7% 4.3 4.1 0.2 5.0% 15.6 37.3-21.8-58.3% 13.8 13.3 0.6 4.3% 29.4 50.6-21.2-41.9% 4.1 4.1 0.1 1.7% 1.6 2.0-0.4-19.6% 5.8 6.1-0.3-5.4% 23.6 44.5-20.9-47.0% 29.4 50.6-21.2-42.0% KB FINANCIAL GROUP ANNUAL REPORT 2009 090 091

2009 2008 123.3 133.3-10.0-7.5% 113.3 120.9-7.6-6.3% 4.4 4.6-0.2-3.7% 5.5 7.8-2.2-28.9% 1.5 1.6-0.1-6.7% 0.1 0.6-0.5-85.4% 6.9 8.7-1.8-20.7% 5.3 6.3-1.0-16.1% 42.0 43.9-2.0-4.5% 3.0 2.6 0.4 13.9% 44.9 46.5-1.6-3.4% 26.6 18.3 8.3 45.2% 1.6 1.7-0.1-7.4% 28.1 20.0 8.1 40.7% 16.8 26.5-9.7-36.7% 44.9 46.5-1.6-3.4%

KB FINANCIAL GROUP ANNUAL REPORT 2009 092 093

845,366 1,849 845,366 1,849 17,612,122 16,345,052 17,612,122 16,345,052 169,150 199,000 (850) (1,000) 170,000 200,000 1,718 3,214 3,796 3,583 (2,078) (369) 35,108 18,904 22,671 13,825-2 9,547 1,225 343 1,607 2,509 2,009 38 236 18,663,464 16,568,019 798,421 730,572-232,000 800,000 500,000 (1,579) (1,428) 13,413 8,836 199 226 5,314 2,629 6,247 4,649 203 171 4,709 3,346 (3,296) (2,185) 37-811,834 739,408 KB FINANCIAL GROUP ANNUAL REPORT 2009 094 095

1,931,758 1,781,758 1,931,758 1,781,758 16,428,852 15,473,511 12,220,754 11,265,413 4,208,098 4,208,098 (2,918,990) (3,145,102) (2,918,990) (3,145,102) 1,232,279 1,087,503 1,235,619 1,094,351 (3,340) (6,848) 1,177,731 630,941 61,200-568,000-548,531 630,941 17,851,630 15,828,611 18,663,464 16,568,019

696,712 635,268 677,107 633,981 19,455 1,287 9,879 689 9,576 598 150-150 - 154,819 23,197 64,482 10,096 55,556 3,063 5,499 990 50,057 2,073-1,000-1,000 7,209 2,270 27,572 6,768 15,136 3,093 1,780 347 2,067 446 1,006 234 1,709 369 749 73 148 28 402 902 490 7 4,085 1,269 541,893 612,071 830 23 830 23 2-2 - 542,721 612,094 2,903 167 539,818 611,927 KB FINANCIAL GROUP ANNUAL REPORT 2009 096 097

548,531 630,941 1,741-6,972 19,014 539,818 611,927 546,879 629,200 53,982 61,200 414,000 568,000 78,897-78,897-1,652 1,741

1,781,758 15,481,189 (4,208,098) - - 13,054,849 - - - - 611,927 611,927 - (7,678) 1,062,996 1,087,503 19,014 2,161,835 1,781,758 15,473,511 (3,145,102) 1,087,503 630,941 15,828,611 1,781,758 15,473,511 (3,145,102) 1,087,503 630,941 15,828,611 150,000 955,341 - - - 1,105,341 - - - - 539,818 539,818 - - 226,112 144,776 6,972 377,860 1,931,758 16,428,852 (2,918,990) 1,232,279 1,177,731 17,851,630 KB FINANCIAL GROUP ANNUAL REPORT 2009 098 099

27,509 (9,209) 539,818 611,927 70,369 12,372 64,482 10,096 1,780 347 865 463-1,000 1,709 369 749 73 784 24 677,411 634,002 677,107 633,981 150-154 21 94,733 494 98,200-2 (2) (8,322) (1,225) 1,264 (1,607) 198 (236) (27) 226 1,820 2,166 2,903 167 (733) - 316 2,999 (957) (2,165) 32 171 37 -

(356,399) (719,493) 100,000-100,000-456,399 719,493 376,091 500,000 70,000 200,000 213 3,583 1,249 2,082 8,846 13,825-3 1,172,407 730,548 1,899,407 730,548 495,000 232,000 299,066 498,548 1,105,341-727,000-727,000-843,517 1,846 1,846-845,363 1,846 KB FINANCIAL GROUP ANNUAL REPORT 2009 100 101

20,046,217 5.19 19,401,044 5.02

KB FINANCIAL GROUP ANNUAL REPORT 2009 102 103

496,379,116 100.00 15,600,000 100.00 15,912,000 51.00 7,667,550 100.00 16,000,000 100.00 8,951,797 100.00 4,000,000 100.00 1,252,400 100.00 800,000 100.00 43,322,704 11.21 132,600 51.00 20,000,000 100.00 2,000,000 100.00 2,000,000 100.00 1 0.03 4,510,720,000 2.56 - - 436,379,116 100.00 15,600,000 100.00 7,667,550 100.00 16,000,000 100.00 8,951,797 100.00 4,000,000 100.00 1,252,400 100.00 800,000 100.00 47,407,671 13.30 15,912,000 51.00 20,000,000 100.00 2,000,000 100.00 999,999 99.99 4,510,720,000 2.56

KB FINANCIAL GROUP ANNUAL REPORT 2009 104 105

2.10 ~ 3.35 845,366 1,849 3 3 KB FINANCIAL GROUP ANNUAL REPORT 2009 106 107

496,379,116 100.00 13,027,020 16,774,896 15,600,000 100.00 418,331 369,849 15,912,000 51.00 76,091 77,284 7,667,550 100.00 101,961 96,312 16,000,000 100.00 107,643 121,553 8,951,797 100.00 104,741 104,910 4,000,000 100.00 35,734 37,363 1,252,400 100.00 42,721 23,621 800,000 100.00 16,698 6,334 13,930,940 17,612,122 436,379,116 100.00 12,727,020 15,506,919 15,600,000 100.00 418,331 419,267 7,667,550 100.00 101,961 116,458 16,000,000 100.00 107,643 97,469 8,951,797 100.00 104,741 103,788 4,000,000 100.00 35,734 38,206 1,252,400 100.00 42,721 44,488 800,000 100.00 16,698 18,457 13,554,849 16,345,052 93,054-22,789 70,265 104,448-11,394 93,054

15,506,919 300,000-6,972 598,319-232,052 130,634 16,774,896 419,267 - - - (64,482) - - 15,064 369,849-76,091 - - 10,182 - (7,836) (1,153) 77,284 116,458 - (49,000) - 28,783 - - 71 96,312 97,469 - - - 24,044 - - 40 121,553 103,788 - - - 2,391 - - (1,269) 104,910 38,206 - (9,000) - 6,178 - - 1,979 37,363 44,488 - (25,200) - 4,333 - - - 23,621 18,457 - (15,000) - 2,877 - - - 6,334 16,345,052 376,091 (98,200) 6,972 612,625-224,216 145,366 17,612,122 12,227,020 500,000-18,880 605,507 (1,835) 1,062,996 1,094,351 15,506,919 418,331 - - - 6,361 - - (5,425) 419,267 101,961 - - - 14,504 - - (7) 116,458 107,643 - - - (10,096) - - (78) 97,469 104,741 - - 134 859 - - (1,946) 103,788 35,734 - - - 3,224 - - (752) 38,206 42,721 - - - 1,767 - - - 44,488 16,698 - - - 1,759 - - - 18,457 13,054,849 500,000-19,014 623,885 (1,835) 1,062,996 1,086,143 16,345,052 KB FINANCIAL GROUP ANNUAL REPORT 2009 108 109

- (82,600) 281 (88,356) 502 (432) 1,000 (592) 250 - - - 100 - - - 15-20 - 36 (10,508) 66 (8,148) 903 (93,540) 1,367 (97,096) 5.11 50,000-5.06 20,000 - - - 100,000 6.29 100,000 100,000 170,000 200,000-20,000-50,000 100,000 170,000 100,000 - - - 100,000 200,000 170,000 200,000 850 1,000 0.5 0.5

1,000 - - 1,000 150-850 1,000 3,796 2,078 1,718 3,583 369 3,214 3,214-213 3,583 - - 1,709 369 1,718 3,214 3,796 1,568 443 1,125 1,448 60 1,388 1,763 379 1,384 634 13 621 3,331 822 2,509 2,082 73 2,009 KB FINANCIAL GROUP ANNUAL REPORT 2009 110 111

1,388 120 383 1,125 621 1,129 366 1,384 2,009 1,249 749 2,509-1,448 60 1,388-634 13 621-2,082 73 2,009 2008.09.29 2009.06.09 - - 10,000 2008.12.16 2009.06.09 - - 100,000 2008.11.26 2009.03.31 - - 20,000-130,000-2008.12.19 2009.03.19 - - 102,000-102,000-232,000 2008.12.12 2011.12.12 7.48 500,000 500,000 2009.03.20 2011.03.20 4.98 250,000-2009.03.20 2012.03.20 5.30 50,000-800,000 500,000 (1,579) (1,428) 798,421 498,572

- - - 800,000 800,000 - - - 800,000 800,000 - - 130,000-130,000 102,000 - - - 102,000 - - - 500,000 500,000 102,000-130,000 500,000 732,000 3,346-316 2,999 1,780 347 (733) - 4,709 3,346 (3,296) (2,185) 1,413 1,161 1,046 438 2,250 1,747 3,296 2,185 KB FINANCIAL GROUP ANNUAL REPORT 2009 112 113

1,000,000,000 1,000,000,000 5,000 5,000 386,351,693 356,351,693 386,351,693 43,322,704 343,028,989 4.60% 78,896,667,470 14.62 0.39% 2008.09.29 60,102 2009.03.27 4,630 64,732

1.74 3.83% 39,914 60,945 2.00 3.95% 36,009 60,015 0.22 3.48% - 59,688 1.21 3.58% - 60,757 0.83 3.48% - 59,932 1.21 3.58% - 60,044 0.23 3.48% - 59,772 2.24 4.05% - 61,187 180,020 5,347 733 119,902 64,732 1.46 - - 1,598 4,649 1,305 (4,482) 2,903 167 KB FINANCIAL GROUP ANNUAL REPORT 2009 114 115

- (5,842) 1,896 - (1,657) - 1,066 1,360 1,305 (4,482) 542,721 612,094 131,339 168,326 241 90 (145,443) (171,360) 16,346 3,153 420 (42) 2,903 167 0.53 0.03 (1,391,338) (98,200) (989,179) (500,359) (110,079) (306,094) 2,180 1,363 248 3,295 725 480 (2,180) (1,363) (248) (3,295) (725) (480) 463 885 24 1,324 291-11,466 67,548-79,014 17,383 2,523 (1,379,409) (29,767) (989,155) (420,021) (92,405) (303,571) (98,652) (308,220) (6,247) (4,649)

- (1,391,338) - (1,391,338) (306,094) - - 2,180-2,180 480 - - (2,180) - (2,180) (480) - - 463-463 - - - 11,466-11,466 2,523 - - (1,379,409) - (1,379,409) (303,571) - (308,220) - (4,649) - 539,818,164,108 611,926,551,438 325,406,414 294,531,780 1,659 2,078 356,351,693 365 130,068,367,945 (47,407,671) 365 (17,303,799,915) 4,084,967 74 302,287,558 30,000,000 122 3,660,000,000 8,421,751 243 2,046,485,599 118,773,341,187 365 325,406,414 KB FINANCIAL GROUP ANNUAL REPORT 2009 116 117

356,351,693 94 33,497,059,142 (73,607,601) 94 (6,919,114,494) 11,848,340 20 236,966,800 12,569,832 10 125,698,320 1,781,758 6 10,690,548 7,815,819 94 734,686,986 27,685,987,302 94 294,531,780 Stock Grant 389,246 539,818 611,927 144,776 1,087,503 141,268 1,094,351 3,508 (6,848) 684,594 1,699,430

- 13,054,849 226,112 1,062,996 144,776 1,087,503 6,972 19,014 4,854,713 36.41 4,854,713 36.41 1,999,910 99.99 1,999,910 99.99 10,853,607 12.61 10,310,869 12.61 180,000 9.00 180,000 9.00 12,250 17.50 - - - - 30,000,000 100.00 - - 700,000 100.00 44,136,676 30.52 44,136,676 30.55 200 50.00 200 50.00 400 66.67 100 66.67 100 25.00 100 25.00 200 33.33 50 33.33 177.2 20.00 184 20.00 - - 13 50.00 - - 200 20.00 - - 125 16.67 500 20.00 500 20.00 500 20.00 500 20.00 20 33.33 - - - - 41 29.00 12 5.38 12 5.38 2,280,000,000 13.57 4,750,000,000 13.57 KB FINANCIAL GROUP ANNUAL REPORT 2009 118 119

- 9,668-9,668 7,857 - - 7,857 1,232 - - 1,232 487 - - 487 - - 601 601 9,576 9,668 601 19,845-689 - 689 598 - - 598 - - 137 137 598 689 137 1,424-845,366 15,085 860,451 100,000 - - 100,000 50,000 - - 50,000 20,000 - - 20,000 170,000 845,366 15,085 1,030,451-1,849 13,129 14,978 200,000 - - 200,000 200,000 1,849 13,129 214,978 5,154 725 145 50 885 463 6,184 1,238

259,457,534 240,033,425 19,424,109 2,041,219 1,745,615 295,604 2,521,079 2,369,542 151,537 108,583 12,271 96,312 257,286 135,983 121,303 327,823 44,310 283,513 221,942 184,579 37,363 29,379 5,773 23,606 44,938 28,132 16,806 265,009,783 244,559,630 20,450,153 266,460,040 249,039,742 17,420,298 2,052,261 1,730,165 322,096 126,772 10,299 116,473 221,353 123,884 97,469 286,366 11,146 275,220 150,142 111,936 38,206 50,573 6,105 44,468 46,532 19,993 26,539 269,394,039 251,053,270 18,340,769 28,895,581 28,176,926 718,655 680,220 653,084 376,868 424,541 (47,673) (49,085) (41,550) 901,801 898,104 3,697 3,456 3,308 67,073 27,985 39,088 38,556 28,783 60,504 29,101 31,403 31,458 23,794 19,582 32,146 (12,564) (15,280) (15,394) 28,685 19,788 8,897 8,031 6,178 54,592 48,785 5,807 5,815 4,338 124,746 117,846 6,900 6,900 5,267 30,529,432 29,775,222 754,210 710,071 667,808 KB FINANCIAL GROUP ANNUAL REPORT 2009 120 121

29,500,591 29,388,121 112,470 376,676 225,226 167,575 145,320 22,255 22,138 17,336 34,660 14,358 20,302 20,133 14,504 27,991 39,633 (11,642) (12,356) (10,096) 5,909 5,176 733 912 884 14,181 9,483 4,698 4,691 3,224 26,947 24,263 2,684 2,528 1,783 101,744 94,194 7,550 6,955 5,078 29,879,598 29,720,548 159,050 421,677 257,939 - - 798,421 798,421 173,275,392 14,079,796 37,985,060 225,340,248 55,825 1,656,700-1,712,525 - - - - 1,262 - - 1,262 72 123,007-123,079-20,000-20,000 180,233 - - 180,233 - - - - - - - - 173,512,784 15,879,503 38,783,481 228,175,768-232,000 498,572 730,572 162,248,761 18,695,883 42,610,595 223,555,239 30,743 1,566,372-1,597,115 - - - - 72 108,071-108,143-10,300-10,300 106,808 - - 106,808 - - - - - - - - 162,386,384 20,612,626 43,109,167 226,108,177

169,150 17,612,122 845,366 18,626,638 195,164,931 41,345,873 9,306,230 245,817,034 132,787 1,546,967 290,666 1,970,420 88,167 1,898,654 71,732 2,058,553 2,007 19,568 70,013 91,588 14 20,996 476 21,486 10,349 276,018 34,691 321,058-18,436 196,977 215,413 - - 10,441 10,441 299-12,734 13,033 195,567,704 62,738,634 10,839,326 269,145,664 199,000 16,345,052 1,849 16,545,901 198,708,628 38,658,004 8,132,181 245,498,813 237,799 1,624,264 75,259 1,937,322 1,719 3,801 106,836 112,356 1,498 3,741 378 5,617 22,504 84,712 19 107,235-25,556 119,128 144,684 - - 31,973 31,973 798-21,970 22,768 199,171,946 56,745,130 8,489,593 264,406,669 1,000 (150) 850 3,676,519 173,086 3,849,605 22,978 84,519 107,497 521 169 690 84 293 377 65,808 (11,693) 54,115 632 (110) 522 - - - 37 (4) 33 106 37 143 3,767,685 246,147 4,013,832 KB FINANCIAL GROUP ANNUAL REPORT 2009 122 123

- 1,000 1,000 2,805,991 871,049 3,677,040 2,281 20,697 22,978 54 30 84 38,700 27,108 65,808 767 (135) 632 - - - 51 (14) 37 120 (14) 106 2,847,964 919,721 3,767,685 598,319 97.66 (64,482) (10.52) 10,182 1.66 28,783 4.70 24,044 3.92 2,391 0.39 6,178 1.01 4,333 0.71 2,877 0.47 612,625 100.00 605,507 97.06 6,361 1.02 14,504 2.32 (10,096) (1.62) 859 0.14 3,224 0.52 1,767 0.28 1,759 0.28 623,885 100.00

50,000-50,000 10,000 130,000-130,000 120,000 100,000 - - - 280,000-180,000 130,000 15,136 3,093 1,780 347 2,067 446 1,006 234 1,709 369 749 73 148 28 22,595 4,590 63,390 66,415 43,294 22,493 20,096 43,922 17,837 43,878 52 149 KB FINANCIAL GROUP ANNUAL REPORT 2009 124 125

KB FINANCIAL GROUP ANNUAL REPORT 2009 126 127

KB FINANCIAL GROUP ANNUAL REPORT 2009 128 129

9,769,133 8,316,197 2,543,538 2,190,748 265,114 272,521 6,960,481 5,852,928 42,535,648 38,985,268 6,763,635 7,643,501 21,893,966 17,475,496 13,215,816 12,915,977 662,231 950,294 195,397,893 198,930,186 (3,532,146) (3,477,442) 160,688 187,370 446,589 157,983 2,354,936 2,444,897 11,382,545 11,526,024 2,059,807 2,754,415 19,179 486,555 1,590,000 1,230,000 177,562,979 178,850,090 18 10,328 44,581 73,140 3,308,717 4,685,622-1,204 3,345,323 3,502,549 5,440,760 5,390,949 (2,084,818) (1,867,892) (10,619) (20,508) 11,120,453 17,814,591 (480,766) (288,737) 1,498,639 1,438,480 3,609,975 5,241,945 1,153,810 1,271,329 178,506 111,940 22,671 14,633 3,367,682 8,385,602 639,646 547,746 263,918 241,956 318,597 412,897 547,775 436,800 262,168,450 267,548,791 KB FINANCIAL GROUP ANNUAL REPORT 2009 130 131

172,439,883 162,210,372 52,738,778 48,048,810 96,619,849 89,186,727 23,081,256 24,974,835 54,493,283 63,495,480 1,364,516 3,443,811 64,839 191,435 2,605,562 4,978,020 1,346,911 326,675 10,327,974 11,449,296 38,842,598 43,190,941 (59,117) (84,698) 17,123,958 25,780,892 3,080,984 5,442,972 4,134,960 5,348,699 137,859 177,877 261,655 160,101 97,850 116,050 142,847 107,965 220,680 273,599 391,571 203,645 68,430 67,056 344,668 481,559 3,129,533 8,042,975 1,377,837 2,351,093 591,996 848,459 (417,017) (569,152) (50) (55) 139,429 122,462 782,550 707,968 2,044,355 1,470,019 593,821 427,600 244,057,124 251,486,744

17,851,630 15,828,611 1,931,758 1,781,758 1,931,758 1,781,758 16,428,852 15,473,511 12,220,754 11,265,413 4,208,098 4,208,098 (2,918,990) (3,145,102) (2,476,809) (2,710,349) (420,484) (432,335) (21,697) (2,418) 1,232,279 1,087,503 345,986 193,231 (2,614) 27 622 9,581 (2,956) (9,634) - 442 891,241 893,856 1,177,731 630,941 61,200-568,000-548,531 630,941 259,696 233,436 18,111,326 16,062,047 262,168,450 267,548,791 KB FINANCIAL GROUP ANNUAL REPORT 2009 132 133

29,794,814 29,101,982 8,351,621 5,100,808 5,561,567 3,483,450 2,725,798 1,582,833 64,256 34,525 385,664 298,879 35,222-172,098 157,738 126,284 46,472-43 43,852 67,282 8,208 27,344 2,353,475 1,448,983 2,298,985 1,415,107 54,490 33,876 1,158,917 1,214,401 1,158,917 1,214,401 804,846 421,844 358,613 213,601 446,233 208,243 3,784,377 2,064,397 1,542,544 698,990 167,416 96,747-89,785 557,927 338,736 181,743 90,886 320,154 190,177 173,986 76,899 145,786 87,731 76,785 57,578 135,875 71,004 482,161 265,864 804,195 308,530 574,336 175,519 202,333 126,669 27,526 6,342 KB FINANCIAL GROUP ANNUAL REPORT 2009 134 135

12,151,719 18,244,140 8,879,079 12,593,167 2,137,939 4,720,481 221,528 495,194 23,476 64,523 225,277 71,449 335,049 176,512 329,371 122,814 651,285 627,301 146,893 498,756 10,472 4,159 911 430,717 3,827 295 154 500 3,102 1,504 128,427 61,581 246,020 186,649 45,969 86,110 305-3,467 487 3,991 56,062 100,352-91,936 43,990 552,158 939,408 24,914 329,580 250-527,494 609,828 539,818 611,927 (12,324) (2,099) 1,659 2,078

1,781,758 15,481,189 (4,208,098) - - 50,805 13,105,654 - - - - 611,927 (2,099) 609,828 - - 1,065,414 - - - 1,065,414 - - - - - 184,245 184,245 - - - 193,231-29 193,260 - - - 27-32 59 - - - (53) - - (53) - - - 442-424 866 - - - 893,856 - - 893,856 - - - - 3,168-3,168 - - - - 15,846-15,846 - (7,678) (2,418) - - - (10,096) 1,781,758 15,473,511 (3,145,102) 1,087,503 630,941 233,436 16,062,047 1,781,758 15,473,511 (3,145,102) 1,087,503 630,941 233,436 16,062,047 - - - - 539,818 (12,324) 527,494 - - 245,391 - - - 245,391 - - - 152,755-33,781 186,536 - - - (2,641) - 527 (2,114) - - - (2,281) - - (2,281) - - - (442) - - (442) - - - (2,615) - - (2,615) - - - - 6,790-6,790 - - - - - 7,308 7,308 150,000 955,341 - - - - 1,105,341 - - (19,279) - 182 (3,032) (22,129) 1,931,758 16,428,852 (2,918,990) 1,232,279 1,177,731 259,696 18,111,326 KB FINANCIAL GROUP ANNUAL REPORT 2009 136 137

(546,728) (7,965,603) 527,494 609,828 6,713,706 7,651,898 35,222-43,852 67,282 8,208 27,344 45,969 86,110 100,352-305 - 2,298,985 1,415,107 76,276 19,131 320,154 190,177 3,467 487 3,991 56,062 173,986 76,899 2,137,939 4,720,481 221,528 495,194 139,967 80,884 30,413-165,204 95,757 23,476 64,523 225,277 71,449 574,336 175,519 84,799 9,492 3,424,770 6,742,207 20,972 113,913 1,065-10,472 4,159 911 430,717 371,063 349,487 3,827 295 154 500 2,536,308 5,757,919 426,366 - - 27,291 520 121 16,000 21,596 37,112 36,209

(4,363,158) (9,485,122) 861,768 37,980 (4,281,862) 19,895 (272,053) (519,923) 1,447,045 (8,821,859) 1,602,570 (1,002,934) 117,190 (90,375) (66,571) 20,162 (54,514) 175,623 483,379 833,516 (219,091) 130,938 (2,361,988) 929,089 (1,237,607) 327,777 (39,902) 34,966 (18,200) 51,230 (52,919) 53,203 (136,891) 7,064 (421,404) (36,860) 152,135 (86,604) 5-88,495 (169,358) (5,987) - (134,693) (79,070) 19,773 (681,041) 168,164 (618,541) (1,663,334) (1,595,941) 168,860 937,064 18,319 726,985 18,008 2,914 132,533 42,721-164,444 1,832,194 2,533,005 1,216,579 1,138,426 43,670 835,783 187,083 357,430 78,271 75,276 192,729 92,226 91,900-21,962 33,864 KB FINANCIAL GROUP ANNUAL REPORT 2009 138 139

2,441,813 9,554,941 24,513,560 18,144,130 4,689,740 11,388 7,420,525 3,984,484-151,481-1,406,909 1,105,341-1,021,684 326,675 9,802,930 10,042,833 34,890-187,926-1,374 - - 1,306,463 249,150 901,344-12,553 22,071,747 8,589,189 1,893,579 1,554,937 2,080,223-126,596 319,679 2,372,458 898,824 1,078,276-13,542,868 2,391,102 1,459 2,418-999 - 2,266-8,931 973,256-3,032 - - 3,410,033 4,606 171,689 236,357 165,086 3,380,593 3,215,507 3,616,950 3,380,593

20,046,217 5.19 19,401,044 5.02 KB FINANCIAL GROUP ANNUAL REPORT 2009 140 141

436,379,116 100.00 15,600,000 100.00 7,667,550 100.00 16,000,000 100.00 8,951,797 100.00 4,000,000 100.00 1,252,400 100.00 800,000 100.00 47,407,671 13.30 15,912,000 51.00 20,000,000 100.00 2,000,000 100.00 4,510,720,000 2.56 3,066,176 161,916 3,514,984 112,910 10,702,576 444,900 9,870,414 244,513 13,768,752 606,816 13,385,398 357,423 256,519,760 2,481,896 19,342,558 28,734,838 635,803 2,041,219 78,000 295,604 376,868 (41,550) 2,521,079 156,000 151,537 901,801 3,308 108,583 38,338 96,312 67,073 28,783 257,286 80,000 121,303 60,504 23,794 125,961 44,759 104,810 12,786 2,159 221,942 20,000 37,363 28,685 6,178 29,379 6,262 23,606 54,592 4,338 44,938 8,000 16,806 124,746 5,267 466,098 37,555 67,396 26,383 1,713 709,980 23,352 105,642 33,406 10,285 27,451 15,179 13,746 891 (1,419) 207,008 176,200 183,386 7,403 (18,037) - - - - -

262,093,177 2,181,896 17,314,094 29,067,498 234,931 2,052,261 78,000 322,096 167,575 17,336 1,769,349 156,000 126,539 349,925 (3,759) 126,772 38,338 116,473 34,660 14,504 221,353 80,000 97,469 27,991 (10,096) 115,385 44,759 103,788 5,909 884 150,142 20,000 38,206 14,181 3,224 50,573 6,262 44,468 26,947 1,783 46,532 8,000 26,539 101,744 5,078 582,111 36,353 53,809 14,930 1,768 548,032 25,150 92,206 24,500 (691) 176,030 176,200 175,936 39 (264) 4,854,713 36.41 1,999,910 99.99 10,853,607 12.61 180,000 9.00 12,250 17.50 44,136,676 30.52 200 50.00 400 66.67 2,000,000 100.00 1 0.03 100 25.00 140 33.33 177.2 20.00 500 20.00 500 20.00 20 33.33 12 5.38 3,800,000,000 13.57 KB FINANCIAL GROUP ANNUAL REPORT 2009 144 145

4,854,713 36.41 1,999,910 99.99 10,310,869 12.61 180,000 9.00 30,000,000 100.00 700,000 100.00 44,136,676 30.55 200 50.00 100 66.67 999,999 99.99 100 25.00 50 33.33 184 20.00 13 50.00 200 20.00 125 16.67 500 20.00 500 20.00 41 29.00 12 5.38 4,750,000,000 13.57

KB FINANCIAL GROUP ANNUAL REPORT 2009 146 147

KB FINANCIAL GROUP ANNUAL REPORT 2009 148 149

KB FINANCIAL GROUP ANNUAL REPORT 2009 150 151

KB FINANCIAL GROUP ANNUAL REPORT 2009 152 153

1.00 0.85*) 10.00 7.00 20.00 20.00 55.00 50.00 100.00 100.00

- 5,597,119 3,906,568 0.00 ~ 8.05 335,395 527,186 0.00 ~ 4.01 366,925 128,083 6,299,439 4,561,837-137,558 740,197 0.00 ~ 4.60 506,703 545,352 644,261 1,285,549-16,781 5,542 6,960,481 5,852,928 5,597,119 3,906,568 39,754 231 156,124 20,391 178,482 105,746 414 258 5,971,893 4,033,194 137,558 740,197 20,890 101,150 19,273 20,760 2,569 40,303 180,290 902,410 6,152,183 4,935,604 5,597,119 137,558-5,734,677 335,395 485,893 16,781 838,069 366,925 20,810-387,735 6,299,439 644,261 16,781 6,960,481 3,906,568 740,197-4,646,765 527,186 535,712 5,542 1,068,440 128,083 9,640-137,723 4,561,837 1,285,549 5,542 5,852,928 KB FINANCIAL GROUP ANNUAL REPORT 2009 154 155

6,171,199 2,800 75,440 20,000 30,000 6,299,439 629,424 13,319 - - 1,518 644,261 16,781 - - - - 16,781 6,817,404 16,119 75,440 20,000 31,518 6,960,481 4,297,601 35,600 127,056 70,160 31,420 4,561,837 1,274,602 10,947 - - - 1,285,549 5,542 - - - - 5,542 5,577,745 46,547 127,056 70,160 31,420 5,852,928 162,387 126,818 121,792 222,161 1,979,776 2,059,779 3,074,802 3,367,987 1,226,223 1,294,207 150,900 502,444 47,755 70,105 6,763,635 7,643,501 2,013,481 1,457,174 80,666 28,656 771,526 551,139 6,768,564 5,886,400 5,913,474 5,698,588 3,916,076 3,438,338 2,206,190 285,024 223,989 130,177 21,893,966 17,475,496 5,753,518 6,018,101 2,717,461 2,761,625 4,502,840 3,904,258 241,997 221,993-10,000 13,215,816 12,915,977

55,059-17,654 23,650 15,667 15,667 7,479 7,479 7,620 4,920 6,610 4,600 5,285 5,285 4,163 4,163 2,000-1,639 1,639 1,392 1,392 1,333 233 1,272 1,272 1,179 1,246 1,141 1,228 1,067-1,060 1,060 1,000-1,000-939 1,012 28,152 68,195 162,711 143,041 1,614 642 2,864-42,238 423 64,418-43,852 1,065 67,282-8,208-27,344-8,208-27,344-52,060 1,065 94,626 - KB FINANCIAL GROUP ANNUAL REPORT 2009 156 157

- 892 5,948 5,392 5,948 6,284 30,000 30,000-20,000 60,000 60,000 90,000 110,000 529 2,797 529 2,797 96,477 119,081 37,241 46,287 14,318-34,587 69 68 19,491 7,176 4,001 93,390 69,848 1,431 203 91,959 69,645 2,707,445 40.03 2,597,750 33.99 3,649,949 53.96 4,428,759 57.94 406,241 6.01 616,992 8.07 6,763,635 100.00 7,643,501 100.00 8,454,066 38.61 7,449,476 42.63 10,191,625 46.55 7,624,559 43.63 3,248,275 14.84 2,401,461 13.74 21,893,966 100.00 17,475,496 100.00 9,518,368 72.02 9,381,409 72.63 3,228,245 24.43 3,251,765 25.18 469,203 3.55 282,803 2.19 13,215,816 100.00 12,915,977 100.00

162,387 2.40 126,818 1.66 6,422,978 94.97 7,238,385 94.70 30,000 0.44 50,000 0.65 121,792 1.80 222,161 2.91 26,478 0.39 6,137 0.08 6,763,635 100.00 7,643,501 100.00 2,013,481 9.20 1,457,174 8.34 15,780,574 72.08 14,137,204 80.90 2,721,566 12.43 948,027 5.42 771,526 3.52 551,139 3.15 304,231 1.39 158,833 0.91 21,893,966 100.00 17,475,496 100.00 12,888,563 97.52 12,828,497 99.32 67,200 0.51 76,588 0.59 260,053 1.97 - - - - 892 0.01 - - 10,000 0.08 13,215,816 100.00 12,915,977 100.00 6,763,635 100.00 7,643,501 100.00 6,763,635 100.00 7,643,501 100.00 21,664,766 98.95 17,256,259 98.74 206,066 0.94 179,404 1.03 19,996 0.09 22,412 0.13 1,225 0.01 1,318 0.01 1,179 0.01 1,246 0.01 734 0.00 14,857 0.08 21,893,966 100.00 17,475,496 100.00 13,214,454 99.99 12,905,677 99.92 1,362 0.01 10,300 0.08 13,215,816 100.00 12,915,977 100.00 KB FINANCIAL GROUP ANNUAL REPORT 2009 158 159

7,408,625 9,673,759 774,604 1,942,831 19,799,819 3,092,122 7,339,814 2,733,147 50,733 13,215,816 3,108,095 7,072,298 2,471,757 40,509 12,692,659 3,732,883 11,584,842 526,640 145,301 15,989,666 1,111,645 8,080,412 3,670,161 53,759 12,915,977 1,118,288 8,233,996 3,775,583 55,455 13,183,322 - - - - - - - - - - - - - - - - - - - - 108,194 5,670 (6,420) - - 7,180 - - - 114,624 2,710 - - - - 59 - - - 2,769-12,250 - - - (258) - - - 11,992 110,904 17,920 (6,420) - - 6,981 - - - 129,385 2,184 (2,184) - - - - - - - - 305 (305) - - - - - - - - 790,956 - - (177,605) - (39,458) (369) (100,352) (305) 472,867 1,335 1,240 - - - (1,470) (81) - - 1,024 794,780 (1,249) - (177,605) - (40,928) (450) (100,352) (305) 473,891 14,429 - - - - 739 107 - - 15,275 7,378 22,500 - - - 1,210 - - - 31,088 46 (6) - - - - - - - 40 303 (134) (216) - - 47 - - - - 1,000 (1,000) - - - - - - - - 1,315 (747) - - - (594) 26 - - - 4,578 - - - - (2,179) (127) - - 2,272 5,079 - - - - 261 63 - - 5,403

- 2,000 - - - (202) - - - 1,798 4,505 (3,352) - - - (1,153) - - - - 1,150 - - - - (655) - - - 495 4,827 (2,470) (879) - - 976 120 - - 2,574-10 - - - - - - - 10 44,610 16,801 (1,095) - - (1,550) 189 - - 58,955 950,294 33,472 (7,515) (177,605) - (35,497) (261) (100,352) (305) 662,231 148,545 (155,861) - - - (632) 7,948 - - - - - - - - - - - - - - - - - - - - - - - 97,872 9,744 (2,325) - - 2,903 - - - 108,194 2,530 - - - - 180 - - - 2,710 248,947 (146,117) (2,325) - - 2,451 7,948 - - 110,904 1,812 - - 372 - - - - - 2,184 253 - - 52 - - - - - 305 92,720 (137,332) - 13,442-464 30,706 - - - - 817,539-60,380 (208) (84,919) (1,836) - - 790,956 1,220 - - - - (147) 262 - - 1,335 96,005 680,207-74,246 (208) (84,602) 29,132 - - 794,780-14,668 - - - (132) (107) - - 14,429-7,500 - - - (122) - - - 7,378 46 - - - - - - - - 46 303 - - - - - - - - 303 1,000 - - - - - - - - 1,000 2,200 (500) (250) - - (114) (21) - - 1,315 4,500 - - - - 125 (47) - - 4,578 3,757 1,000 - - - 322 - - - 5,079 4,340 - - - - 165 - - - 4,505 1,160 - - - - (10) - - - 1,150 4,861 - - - - (34) - - - 4,827 22,167 22,668 (250) - - 200 (175) - - 44,610 367,119 556,758 (2,575) 74,246 (208) (81,951) 36,905 - - 950,294 KB FINANCIAL GROUP ANNUAL REPORT 2009 160 161

4,148 4,148 66,219 65,355 70,367 69,503 4,328,908 4,341,031 6,004,677 6,018,800 1,385,931 1,420,000 2,460,173 2,510,000 575,164 586,800 321,361 331,500 990,921 954,716 2,235,592 2,224,902 131,743 140,000 78,784 85,000 2,120,648 2,085,023 1,387,907 1,352,461 9,533,315 9,527,570 12,488,494 12,522,663 239,362 314,155 30,285 23,077 269,647 337,232 40,704,835 40,994,684 604,481 792,529 283,190 486,254 957,654 1,141,173 8,519,544 8,936,341 51,069,704 52,350,981

18,428,467 15,857,250 1,684,730 1,666,511 20,113,197 17,523,761 71,182,901 69,874,742 51,585,539 51,411,328 45,112,757 45,291,675 28,900 48,431 471,568 430,716 97,198,764 97,182,150 2,872,236 2,807,749 161,439 50,090 3,033,675 2,857,839 382 512 347,676 575,473 348,058 575,985 171,763,398 170,490,716 4,511,760 7,007,131 1,113,816 1,159,111 108,150 113,842 65,855 79,290 5,799,581 8,359,374 177,562,979 178,850,090 8,586,104 2,785,242 11,371,346 6.41 62,475,041 2,804,551 65,279,592 36.76 97,496,582 51,840 97,548,422 54.94 3,205,671 157,948 3,363,619 1.89 171,763,398 5,799,581 177,562,979 100.00 9,420,741 5,051,609 14,472,350 8.09 60,238,261 3,062,270 63,300,531 35.39 97,716,663 45,379 97,762,042 54.66 3,115,051 200,116 3,315,167 1.86 170,490,716 8,359,374 178,850,090 100.00 KB FINANCIAL GROUP ANNUAL REPORT 2009 162 163

171,763,398 5,000,510 21,020,204 197,784,112 99.50-9,530 57 9,587 0.00-23,111-23,111 0.01-611,978 90 612,068 0.31-27,890 1 27,891 0.02 - - 785 785 0.00-126,562 185,235 311,797 0.16 171,763,398 5,799,581 21,206,372 198,769,351 100.00 170,490,716 7,526,656 23,280,186 201,297,558 99.54-15,255 76 15,331 0.01-21,652 1 21,653 0.01-627,476 140 627,616 0.31-26,905 1 26,906 0.01-13,423 915 14,338 0.01-128,007 88,849 216,856 0.11 170,490,716 8,359,374 23,370,168 202,220,258 100.00 1,486,311 224,736 2,327,105 4,038,152 2.03 20,840,868 2,427,616 4,530,029 27,798,513 13.99 31,805,366 2,326,980 1,327,266 35,459,612 17.84 19,892,814 761,544 3,024,306 23,678,664 11.91 97,496,582 51,840 9,975,008 107,523,430 54.09 241,457 6,865 22,658 270,980 0.14 171,763,398 5,799,581 21,206,372 198,769,351 100.00 1,740,830 340,945 2,486,412 4,568,187 2.26 19,494,811 3,459,033 6,155,235 29,109,079 14.39 30,910,843 2,887,834 2,045,603 35,844,280 17.73 20,407,530 1,618,039 2,659,636 24,685,205 12.21 97,716,663 45,379 10,003,074 107,765,116 53.29 220,039 8,144 20,208 248,391 0.12 170,490,716 8,359,374 23,370,168 202,220,258 100.00

- 1,486,311 1,486,311 108,150 116,586 224,736 2,057,741 269,364 2,327,105 2,165,891 1,872,261 4,038,152-1,740,830 1,740,830 113,842 227,103 340,945 1,416,784 1,069,628 2,486,412 1,530,626 3,037,561 4,568,187 446,589 - - - - 446,589 2,274,804 56,488 13,572 379 9,693 2,354,936 11,146,955 144,398 2,782 42,477 45,933 11,382,545 2,046,649 2,804 28,351 768 414 2,078,986 1,590,000 - - - - 1,590,000 172,097,023 3,261,715 1,228,105 625,508 350,628 177,562,979 18 - - - - 18 1,267 31,121 5,782 463 5,948 44,581 3,258,316 31,570 18,529-302 3,308,717 192,861,621 3,528,096 1,297,121 669,595 412,918 198,769,351 157,983 - - - - 157,983 2,370,176 41,554 17,280 6,382 9,505 2,444,897 11,245,960 175,432 3,336 48,647 52,649 11,526,024 3,147,976 82,364 3,397 1,046 6,187 3,240,970 1,230,000 - - - - 1,230,000 173,932,831 2,613,385 1,503,569 429,786 370,519 178,850,090 10,328 - - - - 10,328 3,061 3,347 32,544 11,042 23,146 73,140 4,637,277 9,900 35,797-2,648 4,685,622 - - - - 1,204 1,204 196,735,592 2,925,982 1,595,923 496,903 465,858 202,220,258 KB FINANCIAL GROUP ANNUAL REPORT 2009 164 165

24,015,864 883,738 13,664,311 38,563,913 24,019,786 1,011,320 2,044,264 27,075,370 37,894,257 985,066 1,905,628 40,784,951 16,864,891 1,243,394 2,427,663 20,535,948 11,415,298 272,738 657,667 12,345,703 2,645,172 136,447 240,843 3,022,462 2,664,892 241,264 36,354 2,942,510 52,243,238 1,025,614 229,642 3,498,494 171,763,398 5,799,581 21,206,372 198,769,351 21,920,495 888,031 14,321,945 37,130,471 21,708,340 1,594,493 3,073,283 26,376,116 34,999,298 2,047,345 2,750,769 39,797,412 20,386,110 1,023,578 1,565,711 22,975,399 14,813,362 1,240,798 1,108,368 17,162,528 3,298,804 231,628 63,247 3,593,679 2,722,891 186,192 310,476 3,219,559 50,641,416 1,147,309 176,369 51,965,094 170,490,716 8,359,374 23,370,168 202,220,258 2,758,489 24,575 88 676,800 18,776-1,206,745 42,948 50 4,480 659-353,199 10,141-243,971-34,571 81,512-14,301 50,484-3,970 19,000-1,508 20,129 31 2 5,414,809 97,130 54,490

214,096 4,488 43-39 - 260,300 92-172,601-33,833 147,149 8,728-10,797 3,238-422 132-805,365 16,717 33,876 187,370 49,594 76,276 160,688 1,097,448-25,524 58,920 1,013,004 29,347 6,888 2,178-20,281 1,126,795 6,888 27,702 58,920 1,033,285 61,304 - - 4,515 56,789 10,326 51 2,410-7,865 71,630 51 2,410 4,515 64,654 2,581 491-199 292 597,690 3,870 49,267 27,873 25,264 20,658 1,229 3,827 2,210 2,846 620,929 5,590 53,094 30,282 28,402 KB FINANCIAL GROUP ANNUAL REPORT 2009 166 167

3,173 624-133 491 62,876 3,867 1,927 1,924 3,870 25,626 1,573 592 936 1,229 91,675 6,064 2,519 2,993 5,590 19,628 8,692 2,715 208 9,693 40,936 0.86 15.39 20.00 54.73 100.00 1.74 167,215 21,660 556 25,486 45,933 260,850 1.50 15.00 20.00 60.00 100.00 2.29 17,687 383 13,804 475 414 32,763 0.86 13.66 48.69 61.87 100.00 1.57 1,623,419 453,767 294,968 430,541 350,629 3,153,324 0.94 13.91 24.02 68.83 100.00 1.78 11 2,274 1,156 248 5,948 9,637 0.88 7.31 20.00 53.50 100.00 21.62 28,307 2,210 3,818-301 34,636 0.87 7.00 20.61-100.00 1.05 1,856,267 488,986 317,017 456,958 412,918 3,532,146 0.96 13.86 24.44 68.24 100.00 1.78

20,406 3,264 3,534 3,328 9,505 40,037 0.86 7.86 20.45 52.15 100.00 1.64 168,672 26,315 667 29,188 52,649 277,491 1.50 15.00 20.00 60.00 100.00 2.41 27,062 15,409 679 582 6,187 49,919 0.86 18.71 20.00 55.57 100.00 1.54 1,637,934 379,118 375,024 257,340 370,519 3,019,935 0.94 14.51 24.94 59.88 100.00 1.69 480 - - - - 480 4.64 - - - - 4.64 27 303 6,509 6,105 23,146 36,090 0.89 9.05 20.00 55.29 100.00 49.34 41,553 813 7,272-2,648 52,286 0.90 8.21 20.31-100.00 1.12 - - - - 1,204 1,204 - - - - 100.00 100.00 1,896,134 425,222 393,685 296,543 465,858 3,477,442 0.96 14.53 24.67 59.68 100.00 1.72 3,766,179 2,847,867 2,298,985 1,415,107-46 453,063 248,402 7,015 1,151 (129,946) (18,394) (2,351,845) (753,259) (798) - (2,114) (2,038) (27,627) 27,297 4,012,912 3,766,179 KB FINANCIAL GROUP ANNUAL REPORT 2009 168 169

6,608 8,916 2,696 1,266 30,352 83,312 384,476 74,489 56,634 120,754 480,766 288,737 198,769,351 202,220,258 3,532,146 3,477,442 1.78 1.72 2,076,974-2,903 2,074,071 1,173,815 252,736 7,716 913,363 373,686 315,023-58,663 1,815,935 1,517,059-298,876 350 - - 350 5,440,760 2,084,818 10,619 3,345,323 2,096,724-9,105 2,087,619 1,169,536 229,560 11,403 928,573 344,799 270,716-74,083 1,777,868 1,367,616-410,252 2,022 - - 2,022 5,390,949 1,867,892 20,508 3,502,549

2,087,619 233 384 11,846-2,279 (40) 2,074,071 928,573 715 20,379 6,267 27,174 2,709 (154) 913,363 74,083 981 31,284 434 47,152 - (99) 58,663 410,252 134,779-600 245,828 1 274 298,876 2,022 50,375 (52,047) - - - - 350 3,502,549 187,083-19,147 320,154 4,989 (19) 3,345,323 988,540 4,240 2,266 242-53,365 1,145,969 211 2,087,619 838,474 7,313 97,989 262 12,143 2,197 - (601) 928,573 69,009 1,100 33,664 23 29,826 - - 159 74,083 327,168 234,215 124 2,559 148,208 - - (488) 410,252 25,503 110,562 (134,043) - - - - - 2,022 2,248,694 357,430-3,086 190,177 55,562 1,145,969 (719) 3,502,549 730,878 1,113,569 49,377 164,772 194,045 388,920 974,300 1,667,261 33,045 10,577 22,468 9,912 KB FINANCIAL GROUP ANNUAL REPORT 2009 170 171

26,470 25,502 968 183 145 38 154 124 30 210 189 21 277 269 8 27,294 26,229 1,065 810,971 674,215 136,756 809,556 572,869 236,687 389,193 207,352 181,841 311,117 134,907 176,210 1,200,164 881,567 318,597 1,120,673 707,776 412,897 236,687 1,415 101,346 136,756 176,210 78,271 72,640 181,841 412,897 79,686 173,986 318,597 287,254-50,567 236,687 127,266 75,276 26,332 176,210 414,520 75,276 76,899 412,897

13,656 2,465 11,191 2,292-200 24,419 21,394 3,087 25,169 16,586 12,005 168,228 206,416 335,455 171,616 547,775 436,800 586,464 338,567 403,602 357,108 2,855,258 3,006,480 17,909,720 15,027,094 158,275 168,583 4,187 4,796 19,993,982 16,799,177 9,015,528 10,513,576 69,082 76,341 39,777 209,633 207,016 134,448 51,242,891 46,635,803 79,459 73,441 1,364,828 1,318,822 KB FINANCIAL GROUP ANNUAL REPORT 2009 172 173

16,466 12,481 18,579 1,999 1,479,332 1,406,743 16,555 6,264 52,738,778 48,048,810 78,842,862 73,265,491 5,418,023 2,904,780 396 423 2 2 263,915 261,429 101,002 105,351 2,304 2,658 3,789,455 3,640,452 523 1,495 2,535 4,465 1,789,963 1,865,480 1,900,618 2,333,389 2,845,699 3,315,111 94,957,297 87,700,526 (1,724) (9,965) (9,965) - 94,945,608 87,690,561 1,668,685 1,467,778 480 423 5,076 27,965 1,674,241 1,496,166 96,619,849 89,186,727 23,081,256 24,974,835 172,439,883 162,210,372 5,294,382 852,910 6,147,292 16,086,571 3,466,074 19,552,645 21,380,953 4,318,984 25,699,937

7,677,089 224,455 7,901,544 9,339,655 6,946,791 16,286,446 17,016,744 7,171,246 24,187,990 52,738,778 - - - - 52,738,778 36,812,815 12,355,846 37,407,932 4,803,330 5,239,926 96,619,849 15,455,997 3,336,047 4,103,361 185,851-23,081,256 105,007,590 15,691,893 41,511,293 4,989,181 5,239,926 172,439,883 48,048,810 - - - - 48,048,810 34,058,284 11,761,258 32,168,571 5,357,579 5,841,035 89,186,727 11,026,333 6,707,094 6,982,786 258,622-24,974,835 93,133,427 18,468,352 39,151,357 5,616,201 5,841,035 162,210,372 1.60 ~ 2.10 217,100 1,306,000 0.20 ~ 2.95 1,147,416 2,137,811 1,364,516 3,443,811 1.20 ~ 5.30 64,839 191,435 1.29 ~ 7.40 2,605,562 4,978,020-1,346,911 326,675 4,017,312 5,496,130 KB FINANCIAL GROUP ANNUAL REPORT 2009 174 175

1.25 1,343,725 796,205 0.00 ~ 5.00 674,272 697,860 3.44 ~ 6.33 71,327 201,368 3.00 2,429 30,429 2.00 ~ 3.77 47,406 45,471 0.00 ~ 7.49 2,012,615 1,692,013 4,151,774 3,463,346 0.00 ~ 5.36 235,046 137,985 0.22 ~ 4.20 3,175,578 3,746,959 0.45 ~ 6.33 1,313,154 1,428,997 - - - 957,492-1,452,422 1,714,517 6,176,200 7,985,950 10,327,974 11,449,296 6.46 ~ 8.50 1,100,000 898,563 4.29 ~ 12.00 3,903,238 4,199,849 4.19 ~ 9.65 7,972,273 8,195,754 2.73 ~ 7.95 21,472,646 25,726,626 3.21 ~ 3.36 280,000 260,000 34,728,157 39,280,792 (249,505) 190,176 167,195-34,645,847 39,470,968 (29,519) (58,578) 34,616,328 39,412,390 2.05 ~ 7.25 1,840,344 141,209 0.44 ~ 5.57 2,462,677 3,577,845 4,303,021 3,719,054 (107,189) 919 919-4,196,751 3,719,973 (29,598) (26,120) 4,167,153 3,693,853 38,783,481 43,106,243