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Form 20-F () Annual Report(2006) 69 6 2, 2007. 6. 28. Securities and Exchange Commission(SEC) Form 20-F Annual Report(2006)., Form 20-F Annual Report(2006) Investor Relations-SEC Filings-Form 20- F(US GAAP) 1 SEC 2, Form 20-F Annual Report(2006), ( ),. Form 20-F Annual Report(2006), ( ) 2006, US GAAP United States generally accepted accounting principles, K GAAP Korean generally accepted accounting principles., US GAAP K GAAP. 1 : http://inf.kbstar.com/quics?page=a006210&cc= a046842:a046842 2 : http://www.sec.gov/archives/edgar/data/1143680/000119312507145022/d20f.htm, SEC Search for Company Filings - Companies & Other Filers - Kookmin Bank - CIK (0001143680)- 20-F. 1

2002, 2003, 2004, 2005 2006, US GAAP.,,, ().,. () ($) 2006.12.29. (noon buying rate: ) 930.0 = 1.00. SEC,., Item 3D.,,,,,,,,,,,.,,, (,,,,, ).,,,,,,,,,,. Item 3D.,,.,. Item 1. Item 2. Item 3. Item 3A... : 1) US GAAP, SEC.,. 5. K GAAP, 1862, 833. 2

2002, 2003, 2004, 2005 2006 US GAAP. 2002, 2003, 2004 Samil Pricewaterhouse Coopers, 2005 2006 Deloitte Anjin LLC. Item 5.. : 2) US GAAP, SEC.,. 5. K GAAP, 1862, 833. : 3) US GAAP, SEC., K GAAP, 1862, 83 3. : 4) US GAAP, SEC.,. 5.. BIS, 1862, 833. : 5) : 6) US GAAP, SEC., K GAAP, 1862, 833. - : 7) SEC. (noon buying rate). Item3B.. Item3C. 3

Item3D.. ((mortgage) ) 2001.12.31. 60,506 2006.12.31. 85,571. 2006 56.5%.,, 2001.12.31. 23,312 2006.12.31. 21,589, 2001.12.31. 38.5% 2006.12.31. 25.2%.,. 2003 2004, 2005, 2006. 2003 2004, 2005. 2003 2004,. 2005 ( 90 ) 2001.12.31. 1,046, 2006.12.31. 628,..,,,,.,,.,. 2004,. 2003 9, 2004 3. ( 1 ) 2002 20.6%, 2003 21.6%, 2004 8.42%, 2005 5.8% 2006 4.81%., ( ).,, (1 ) (restructured loan) 4

(2004 1 ).,. 2006.12.31. 135, 1 5.85%.,,,.,. 2001.12.31. 30,498 2006.12.31. 41,498., 2001.12.31. 1,108 2006.12.31. 1,451, 2001. 12. 31. 3.6% 2006. 12. 31. 3.5%., 2006. 12. 31. 1.2%., K GAAP 2001.12.31. 3.3% 2006.12.31. 1.04%. 2007. 1. 1., 1.,,,,.,,., 2003 2004,,. ( ),.,,,. SOHO(Small Office/Home Office). SOHO.., SOHO.,,.,. 5

.,.,. 2007 3,., ATM,. (tax-related statements)...,..,,.,,... ( ),.,,.,,,,... 2004, 2005 2006 4 M&A,..,.. 6

2001. 1997,, 10,,. 2000 3,..,,.,. 2006.12.31. 20 (,, ) 8 36. 2006.12.31. 36 11,005 6.0%,,,..,.,. 2006.12.31. ( ) 701, 0.4%. 42.1% 295. 2006.12.31. 274, 39.1%,., ( ),,, 2006.12.31. 843 0.5%.,, 75% ( 75% ),..,. 2006.12.31. 6,697 7

, 4.3%., 144.,. 2006.12.31. 20 8,570, 5.5%, 1,472 0.9%.,,..,. SEC NYSE(New York Stock Exchange) 2002 - (Sarbanes-Oxley Act), NYSE - NYSE.,...,. 40~60%( 40%),.,.,,.,.,.. 2006.12.31. (,,,, 8

) 2,847. ( ).,.,.,.. 2007, 2002, 2003, 2004 2005, 190., 2006. 12. 31. "" " ", 2007 6,.,,... 2004 1,..,,. 2006.12.31. 60. 2004, 2005 2006,,..,. 3,. IT,.,,, IT, IT,,,. 9

US GAAP /. US GAAP /. US GAAP K GAAP,. Item 5B.. 2002, 2003, 2004, 2005 2006 K GAAP US GAAP.,,. 2000 2004, 2005, 2006..,.,,. - -.,.,.,.. 2006.12.31. 92.1% 1,..,.., K GAAP, (Tier I) 4.0% (Tier I) (Tier II) 8.0%, (Tier II) (Tier I) 100% (Tier I) (Tier II). 10

2006.12.31. (Tier I) 10.07%, (Tier I) (Tier II) 14.17%,., ( ),,., (Tier I) (Tier II),... BIS,. 2006 6 II BIS 2008.1.1.. BIS,. 1988, BIS. BIS,. BIS,., 2008.1.1. (Foundation Internal Ratings-based Approach),, 2009. 1,.,, 2007,. 2006.12.31. (Quantitative Impact Study).,,.,,,. 2007, BIS 1988 BIS (parallel measurement) 2007. Item 5A. --BIS Item 5B. --. () K GAAP. 11

, K GAAP, K GAAP. 2004,,, 2005., 2004, 2005. K GAAP 2005 K GAAP., 2006,,,.. K GAAP, 2006 K GAAP., 2004 11, 2007, ( )., 2005 (historical losses)., 2005 (evaluating),,., 2006,,.,. 2007., K GAAP. K GAAP K GAAP, ADS.,.,,., 2003 10 40%.,,,. 12

., 2004, 2005 2006 : i) 3, ii),, 25%, LTV DTI,. Item 4B. -. ( ),,.,.. 2002 2003.,,.,,,,.,.. 1981 2001,. 2006 172. 2000 1, 2002. 11. 2003 2, 2006 3.,,. 13

, 2003 11.,...,...,,.., 2003 1, 2003 4..,.,.,. 2006,. 2008..,.,,., ( ). ADS. 14

,.. 2006 10.,,., 2007 2 6. 2007 2., ADS.. 2004, 2005 2006,.,,,,.. : (1) (2), (3) (4) (5) (6), ( ), (, ),, (7) ( ) (8),, (9) (10) (11),, (12) (13) (SARS) (14), (15) (16) 15

(17).,., ( ). 2007..,.,..,. 2002 3.3% 2003 3.6%, 2004 2005 3.7%. 2006 3.5%,,.. ( ), ADS.,.,,.,. 2003 12 Bank Internasional Indonesia 57% 25% 121,. 1997 1998 ADS. ADS.. Item 4B. -. 16

ADS ADS.,, ADS., ADS ADS (, ),. ADS., ADS, ADS ADS. ADS (ADS ADS ),,.,,,. ADS ADS, ADS. ADS., ADS,., ADS, 1933 ( ), ADS., SEC. ADS ADS.,. ADS,. ADS, ADS ADS ADS.. ADS.,. ADS 17

..,. ( ADS ).,... ( ), ADS., ADS.,,. ADS.,,., ADS.. Item 4A. () () SEC., (). 2.., 1862, 833. SEC., 2..., 1862, 833. () 18

() SEC., (). 2.., 1862, 833. SEC.,. 2.., 1862, 833. Item 4B. : 8) SEC.,. 1., 1862, 833. 8) 2006.12.31.,. 3... SEC,.,. 1., 1862, 833.,.,,,.,.,., ( ), (wallet share). 6,.,,., 19

(open architecture strategy).,., (ATM),,,.,.,,,,,,.,.,,.,.,.,.,,. SEC.,. 4., 186 2, 833. SEC..,. 1..(2), 3..,., 1862, 833. 20

(, ) 9). SEC.,. 1..(2),, 1862, 833. 2006.12.31. 57.2%, 9.3%, 33.5%. 2006.12.31. LTV 52.3%,.,,., 2006.12.31. 99.6%, 0.4%.,,,. 2006.12.31. (, ) 54.2% 11,706. 2006.12.31. 7,481.,. SEC.,. 1..(2),, 3.., 1862, 833. 2004.12.31. 94,024, 2005.12.31. 94,817, 2006.12.31. 89,356, 74.5%, 75.4%, 69.0%., (,, ᆞ,,,,, ), 2006 KB Star Club 81.1%, 62.2%. : 10) SEC.,. 1..(2),, 3.., 1862, 833.., 21

,,,,. 10). : 11) SEC.,. 1..(2),, 1862, 833. 11).. 2004, 2005, 2006 155,323, 143,838, 153,213 713, 679, 719., ( ), 2004 68, 2005 78, 2006 86., 2006.12.31. 32,570. -. 2006.12.31. 85.5% 14.5%. 2006.12.31. 153,000.,. 85.0%, 51.7%, 48.3%. -,. (Market Opportunity Rate system),. 2006.12.31. 3 4.80%, 6 4.81%, 1 4.93%. -. 2006.12.31. 96.9% 3.1%. 22

14.2%. 36.5% 63.5%. 2006.12.31. 33.5%, 16.6%, 15.1%. -.. : 12) SEC., K GAAP. 3.., 1862, 833. 12). SEC., K GAAP. 1..(2),. 3.., 1862, 833. SEC.,. 5.., 1862, 833.,. 2006 6,738( 3,222), 2005 6,865( 4,671), 2004 9,214( 5,517). 2005.12.31. 1,713 1,254, 2006.12.31. 1,237 168..,, 23

. K GAAP 2006 143( 42, 101). : 13) SEC.,. 3., 1862, 833.,,,,,. 13). SEC.,. 1..(2),, 3..,., 1862, 833. - SEC.,. 1..(2),, 3..,.,, 1862, 833.. - 2006.12.31. 2005 9,854, 6,631. US GAAP. -, KB. 2006.12.31. KB 15,637,. 2005 180, 2006 172. 24

SEC.,. 1..(2),, 1862, 833. 15 9, 46. 2006, 154.7. 2006 13. : 14) 2007 3,., ATM,. (tax-related statements).. 14). SEC.,. 1..(2),, 1862, 833.,,. 2006.12.31. 1,300. Item 3D. -. (Mainframe) IT., IT CPU (Parallel Sysplex), CPU., Item 11.. 25

IT., 2007 2010,. IT.,, (cyber branch) IT IT 2006. (CMBS, Capital Markets Business System). 2006, IT 368, IT, 2006 12 31, IT 690. 2005.12.31. 138,012, 2006.12.31. 151,403. -. - SEC. - 20 : 15) 20 15) Item 3D. -. - 10 (,,, KT ) 8,824 SEC, Item 3D. -. - 16,987, 8,692, 10,352. - 26

- : 16). 2006.12.31. 16). - 2006.12.31. ( 1 ) 3,107, 71,855. SEC., (, ) K GAAP, 1862, 83 3. 2001 9 2005.12.31.. 2010.12.31..,., 2006.12.22.. 2007.3.30. 32, 262 197. 50. 2006. 4. 1.,,,,. 2006.12.31., 10 17). -,. ),,. - 2002.12.31. 3,912, 2003.12.31. 4,116, 2004.12.31. 3,175, 2005.12.31. 3,149, 2006.12.31. 2,143. - 20 27

2006.12.31. 20 8.9%. -..,,.,,.,,,,., SEC.,.,,.,., ( US GAAP ).,, KB., 1 ( ).., SEC. : 19) 20) 19), 20) : 21) 21). 28

. SEC. : 22) 22)., SEC. : 23) 23). : 24) 24). : 25) 25)..,, (Major Shareholder) (financial exposure),,,,, ( 26) ),,,,,,.,,,. Item 4C. SEC.,,, 27). Item 4D.,,,, 28)., SEC. Item4.A. (Unresolved Staff Comment) 29

1934 SEC. Item 5. Item 5A. US GAAP., K GAAP K GAAP K GAAP.., SEC, Item 3D..,,,,, 2007. BIS 2006 6 2008.1.1. BIS. BIS. 1988, BIS. BIS,. Item 5B. --.,,,, SEC,...,, 30

,,,. 2006.12.31. ( 334 ) 2,802. 2006 549, 100. US GAAP, SEC., K GAAP, 1862, 833.,.,.,.,,.,,...,.,., 138, 2007 2011.,.,. 31

/. 2004, 2005 2006,,.. (1), (2).. US GAAP, SEC., K GAAP, 1862, 833. 5.0% 2005 10,658 2006 11,405 7.0%, 2005 6.37% 2006 6.46%., 2005 3.53% 2006 3.43%, 2005 5,901 2006 6,063 2.7%. 2005 167,225 2006 176,655 5.6%. (spread), 2005 3.29% 2006 3.15%. ( ) ( ). Item 4B. - - -. 2005 613 2006 100.. US GAAP, SEC., K GAAP, 1862, 833. 32

US GAAP, SEC., K GAAP, 1862, 833. 2005 2,844 2006 2,879 1.2%. 2005 1,065 2006 1,250 185, 2005 811 2006 884 73. US GAAP, SEC., K GAAP, 1862, 833. 2005 4,314 2006 4,522 4.8%, 142, 130, 53, 51, 139, 29., 2005 2006 190 2005 1,099 2006 1,423 29.4%.. 2005 2006 27.5%, 2005 28.8%, 2006 31.5%. Item 8A. Item 3D. -.. 2005 2006 3 5. 2005 2006 KB. 2006 3,091, 2005 2,716, 2004 1,032. K GAAP : 29) 4 :,,,. 29). 33

, SEC., K GAAP. 5..(2), 1862, 833. 2005 1,820 2006 1,693 7.0%.,, SEC., K GAAP. 5..(2), 1862, 833. 2005 681 2006 734 7.8%., SEC., K GAAP. 5..(2), 1862, 833. 2005 497 2006 505 1.6%., SEC., K GAAP. 5..(2), 1862, 833. 2005 209 2006 17 91.9%., SEC., K GAAP. 5..(2), 1862, 833. 2005 125 2006 565 352.0%. 34

Item 5B. US GAAP, SEC.,. 4.., 1862, 833., (trading assets),,, (restricted cash), 2005.12.31. 178,508 2006.12.31. 192,978 8.1%. US GAAP, SEC.,. 4.., 1862, 833.,,, 2005.12.31. 167,102 2006.12.31. 178,188 6.6%. 2005 2005.12.31. 11,392 2006.12.31. 14,772 29.7%. (,,,,, ),. 2004.12., 2005.12., 2006.12. 126,220, 125,699, 129,540 78.7%, 79.6%, 76.4%..,,,,, 2004.12.31., 2005.12.31., 2006.12.31. 10,166, 7,371, 10,795, 6.3%, 4.7%, 6.4%. 1. Item 4B. -. ( ). Item 4B. - - -.,,,.. Item 11. -. 35

: 30) 2006.12.31. 30). : 31) K GAAP. 1988 BIS. 8%. Item 4B. - - -. 2006.12.31. 14.17% 2005.12.31. 12.95%. 2006 3, 2012 1,900. 2005.12.31. 12.95% 2004.12.31. 11.01%,. 2004.12.31., 2005.12. 31., 2006.12.31. 31). US GAAP, SEC. K GAAP K GAAP. K GAAP SEC.,. 5.. (2) K GAAP, 1862, 833. K GAAP SEC.,. 5.. (1) K GAAP, 1862, 833. K GAAP SEC., K GAAP, 1862, 833. K GAAP : 32). 36

K GAAP : 33). K GAAP : 34) 1 (K GAAP ). K GAAP, 34). US GAAP K GAAP. 34). 1., US GAAP.. K GAAP 2004, 2004. K GAAP US GAAP. K GAAP 35). 2. US GAAP. 2003 1 K GAAP. 2003 1. 3. US GAAP. 4. US GAAP K GAAP US GAAP K GAAP US GAAP. K GAAP, (US GAAP K GAAP ). 5. US GAAP. K GAAP US GAAP. 37

6. K GAAP K GAAP,.. US GAAP,. 7. K GAAP,. K GAAP. US GAAP. 8. K GAAP.,. US GAAP,. 9. US GAAP, K GAAP. 10. K GAAP, US GAAP 2 2. US GAAP, K GAAP. 11. K GAAP US GAAP. K GAAP, US GAAP. 12. K GAAP (step-up acquisition).. US GAAP 2 2. US GAAP, K GAAP. 13. K GAAP.,. US GAAP,,. (US GAAP K GAAP). 14.. Item 5C.. Item 5D. Item 5A Item 5B. 38

Item 5E. Item 5A Item 5B. Item 5F. Item 5B. - -. Item 6. Item 6A., SEC.,. 1.., 1862, 83 3. SEC.,. 1., 1862, 833. (Non-executive) SEC.,. 1., 1862, 833. SEC.,. 1., 1862, 833. Item 6B.,,, (executive officers) 2006.12.31. 10,475, 2006.12.31.,, 894. SEC.,. 1..(2). 1., 1862, 833. Item 6C. 39

Item 6A.. SEC.,. 1.., 1862, 833.,,,,,., SEC. Item 6D. SEC.,. 2., 1862, 833. Item 6E. - 2007.3.31. 11,812, 0.004%. - SEC.,. 1..(2),. 1., 1862, 833. Item 7. 5% Item 7A. 5% 5% SEC., 5% 1., 186 2, 833. Item 7B. 40

SEC.,., 1862, 833. Item 7C. Item 8. Item 8A... SEC.. 3., 1862, 833. 2006 5 11,. 2007 2002, 2003, 2004 2005, 190. 2006. 12. 31., 2007 6,.,,. Item 3D. -. SEC.. 3., 1862, 833. SEC. 6., 1862, 833. Item 8B.. Item 9. 41

Item 9A. SEC, Global Stock Information Financial Network(GSIFN). Item 9B. Item 9C.. SEC,,. SEC,. SEC,,. SEC,. ADS. ADS, ADS.. ADS,., ADS (ADS (initial issuance), ADS ),. 115,840,996. 42

SEC,. Item 9D.. Item 9E.. Item 9F.. Item 10. Item 10A.. Item 10B. SEC., I. 4. VI., 1862, 833... -.,,. 2006.3.24.. -,... SEC. VI. 2., 1862, 833. 43

SEC. V. 1.., 1862, 833. -,,.. SEC. V. 1.., 1862, 833. SEC,.. SEC,. - SEC. VI., 1862, 833., 3, 6 9. - SEC,. - SEC,. 44

-.,,. 50%. Item 10C. SEC.. 2., 186 2, Item 10D. SEC,. SEC, Item 10E.,,, SEC,.,,. 45

ADS SEC,,. ADS SEC,,. SEC,,,. SEC,. SEC,,. Item 10F. Item 10G.. Item 10H. SEC,. Item 10I. Item 11..,,.,,,.,.,.. 4, 46

., (Risk Appetite),.. 8,,.,.. 9, 8.,.,,,, VaR,,,. 10 9.,, ALM. 14, ALM 13.,,,.,.,,,,. 6. :,. :,. 47

:,,. :. :,. :,. (Credit Risk) ( ). (creditworthiness). 2005 1.,,, ( ). 1 2..,.,,.,,.,,,,,,,.,..,,,. AAA D 12, AA D 11, 1 13 13. 48

: ( ),,. ( )., 95%., (,,,,,, ). :.,,.,,, ( )., 1.,,. [] SOHO. (CRS), (LCRS). CRS LCRS 3. 1. :, (3) (5).,,, (turnover),. 2. (QCA, qualitative credit assessment):,,,,. 3. (Default Signal Check Model):,. 49

, CRS LCRS,.,.,,,,,.,, 1, 6, 2,.,,. (card generic scoring system),., (,,,, ),,,.,,.,,.,,,,. (Total Exposure),.,,,, GDP,,.. 20%, 10%,.,,,., 6, 1, 30, 36. 50

. /,,,,, CP,.,,.., 3... / /,,,.,,,,.,,,,.,.,,,,. commodity commodity.,.,..,,, VaR. (ALCO),. ALM, 51

, ALM., ALM /, / ALM ALM,..,.,,,,. US GAAP,.,... ( ),.,, ᆞ,,,,..,., VaR (PVBP,,, )..., VaR. 52

VaR : VaR, 1. VaR 99%, VaR, 100 1. VaR,... 1 10,, VaR. VaR -,.,, 2004, 2005, 2006.12.31. VaR( 1 99%). VaR, SEC. : (Back-Testing)., VaR, 99%, : VaR, (Stress Testing),. VaR, VaR.,,., 2006.12.31. 21% 200bp(basis point) 138.4.,,,. -.. VaR. 2006.12.31. VaR 53

6.7, 1.8. -.,.,.. VaR. 2004, 2005, 2006 SEC. (+), (-). -.,. /.. 2006.12.31. 187. -,,,,,,.,....,. - 54

.. ( ).,.,..,.,.,,. -, (prime rate), 1 1, 1. -, 36 Non-core Core 3, Core 1 4. -,.. 2006 ( )0.248 (-)0.387, 1%p 401 612.,. -.,,,.,,. 55

. 1997 1998,..,., ( 1 ).. 1, 12.. 100%, 85%.,,,,,.,, II,, (,,, ).,,,,. 2005, II (AMA) VaR. 2006,, CSA CSA, (retail branch),,. /,, /,,,. 56

,.,,,. 4 1,.,,..,,.,, 3,. 1. 2.,, 3. 4.,,,.. (RBA, Risk Based Audit),,.,.. ᆞ,,.,., 57

.. (IT) IT,., IT, CPU CPU, CPU CPU.,, CPU., IT, 2006 IT.., IT / IT,. IT... Item 12.. Item 13.. Item 14.. Item 15. 2006.12.31..,., (COSO ).., 1,, 2, 58

, 3,.,,,,., 2006. 12. 31., 2006. 12. 31.. 2006,. Item 16. Item 16A. Item 16A. Item 16B. 1934 (Security Exchange Act) Form 20-F Item 16B.,, http://www.kbstar.com.,,,. Item 16C. SEC, 2005, 2006... Item 16D.. Item 16E. 59

Item 17.. Item 18(), Item 19() Exhibit. 60

[ 1) 12 31 2002 2003 2004 2005 2006 2006 (., (., ) ) W 13,450 W 13,755 W 12,092 W 10,658 W 11,405 US$ 12,263 6,734 6,462 5,516 4,757 5,342 5,744 6,716 7,293 6,576 5,901 6,063 6,519 3,886 7,167 3,861 613 (100) (107) 3,098 2,914 2,800 2,844 2,880 3,096 4,387 4,406 4,032 4,314 4,522 4,862 597 (367) 448 1,099 1,423 1,530 (211) (52) 3 3 5 5 1,155 (947) 1,032 2,716 3,093 3,325 97 (2) (2) W 1,252 W (947) W 1,032 W 2,716 W 3,091 US$ 3,323 () W 3,633 W (2,905) W 3,367 W 8,415 W 9,194 US$ 9.89 () 3,535 (2,905) 3,365 8,411 9,193 9.88 () () W 3,939 W (2,905) W 3,367 W 8,415 W 9,189 US$ 9.88 () 3,831 (2,905) 3,365 8,411 9,188 9.87 () 317,787 326,000 306,432 322,786 336,351 336,351 328,107 326,000 306,650 322,948 336,353 336,353 W 100 W 1,000 W 550 W 550 US$ 0.59 1

2) 2002 2003 2004 2005 2006 2006 () () W 3,328 W 3,170 W 2,818 W 3,086 W 3,775 US$ 4,059 1,580 2,770 1,822 2,259 3,277 3,524 564 563 597 515 423 455 229 3,959 2,993 1,716 1,738 1,869 6,368 3,517 6,096 4,754 3,744 4,026 24,223 22,427 23,095 25,372 25,348 27,256 140,756 140,213 133,794 134,939 149,216 160,447 881 605 743 627 620 667 2,121 1,909 1,637 1,516 1,612 1,733 1,116 995 871 1,060 802 862 1,337 1,331 1,285 1,185 1,190 1,280 162 395 422 394 394 424 469 423 308 217 185 199 965 1,702 1,055 868 654 702 W 184,099 W 183,979 W 177,536 W 178,508 W 192,978 US$ 207,503 W 118,654 W 128,144 W 123,203 W 121,787 W 125,195 US$134,618 3,745 3,460 3,017 3,912 4,345 4,672 306 225 652 1,253 168 180 625 762 2,297 1,078 1,223 1,315 881 605 743 627 620 667 15,856 12,895 9,514 6,118 10,627 11,427 4,463 3,938 3,495 3,307 3,698 3,977 7,864 8,207 6,121 8,118 7,463 8,024 20,165 16,607 17,899 16,751 21,675 23,306 2,634 2,552 2,900 4,151 3,174 3,415 175,193 177,395 169,841 167,102 178,188 191,601 71 16 13 14 18 19 1,641 1,682 1,682 1,682 1,682 1,808 5,146 5,393 5,400 5,416 5,404 5,810 2,048 (507) 600 4,294 7,686 8,265 8,835 6,568 7,682 11,392 14,772 15,883 W 184,099 W 183,979 W 177,536 W 178,508 W 192,978 US$207,503 2

3) 2002 2003 2004 2005 2006 0.71% (0.49)% 0.56% 1.50% 1.61% 13.50 (7.17) 13.36 25.51 22.52 1.80 16.33 6.81 39.73 3.71 3.68 3.62 3.29 3.15 4.02 4.01 3.84 3.53 3.43 44.70 43.17 43.00 49.33 50.56 2.49 2.28 2.19 2.38 2.36 115.68 108.30 108.00 106.34 112.16 119.14 110.83 109.43 109.80 116.88 3

4) 2002 2003 2004 2005 2006 : % 10.41% 9.81% 11.01% 12.95% 14.17% 6.62 6.03 6.67 9.67 10.07 3.79 3.78 4.34 3.28 4.10 5.26 6.83 4.20 5.87 7.17 4

5) 2002 2003 2004 2005 2006 (., % ) W 145,832 W 145,858 W 138,124 W 138,012 W 151,403 3,912 4,116 3,175 3,149 2,143 2,680 3,072 2,034 1,615 1,195 6,592 7,188 5,209 4,764 3,338 5,195 5,772 4,461 3,212 2,468 2.68% 2.82% 2.30% 2.28% 1.42% 2.13 2.24 1.79 1.76 1.11 4.52 4.93 3.77 3.45 2.21 3.56 3.96 3.23 2.33 1.63 5

6) 2004 2005 2006 (., % ) W 1,188 W 21 1.77% W 1,069 W 27 2.53% W 860 W 28 3.26 % 2,355 85 3.61% 2,378 78 3.28% 1,415 60 4.24 3,253 156 4.80% 3,342 129 3.86% 3,318 159 4.79 20,030 1,004 5.01% 23,357 960 4.11% 27,605 1,217 4.41 % 42,369 2,639 6.23% 39,031 2,352 6.03% 44,631 2,694 6.04 4,718 309 6.55% 4,283 284 6.63% 5,194 349 6.72 926 43 4.64% 1,295 65 5.02% 1,514 86 5.68 55,863 3,607 6.46% 58,376 3,355 5.75% 60,373 3,724 6.17 27,287 2,197 8.05% 24,506 2,002 8.17% 22,046 1,811 8.21 12,049 1,978 16.42% 8,369 1,362 16.27% 8,547 1,221 14.29 1,342 53 3.95% 1,219 44 3.61% 1,152 56 4.86 144,554 10,826 7.49% 137,079 9,464 6.90% 143,457 9,941 6.93 171,380 12,092 7.06% 167,225 10,658 6.37% 176,655 11,405 6.46 5,062 % 4,997 5,102 4,839 % 5,786 5,798 2,052 % 1,641 1,504 532 % 1,092 594 (5,373) % (3,844) (2,396) 5,610 % 4,411 4,261 12,722 % 14,083 14,863 W 184,102 W 12,092 6.57% W 181,308 W 10,658 5.88% W 191,518 W 11,405 5.96 6

2004 2005 2006 (., % ) W 620 W 1 0.16% W 614 W 7 1.14% W 625 W 11 1.76% 6,107 248 4.06 5,007 185 3.69 8,386 379 4.52 68,230 2,716 3.98 66,229 2,388 3.61 62,015 2,433 3.92 39,042 309 0.79 38,343 219 0.57 41,652 296 0.71 12,105 560 4.63 10,589 382 3.61 8,511 289 3.40 126,104 3,834 3.04 120,782 3,181 2.63 121,189 3,408 2.81 1,267 42 3.31 1,218 40 3.28 2,825 119 4.21 911 22 2.41 687 14 2.04 653 15 2.30 8,150 310 3.80 7,474 275 3.68 7,574 339 4.48 7,400 366 4.95 7,109 310 4.36 8,622 389 4.51 16,749 942 5.62 17,114 937 5.48 20,285 1,072 5.28 160,581 5,516 3.44 154,384 4,757 3.08 161,148 5,342 3.31 () 2,832 3,010 3,173 4,840 5,748 5,739 652 760 593 7,472 6,759 7,139 15,796 16,277 16,644 176,377 5,516 3.13 170,661 4,757 2.79 177,792 5,342 3.00 7,725 10,647 13,726 W 184,102 W 5,516 3.00 W 181,308 W 4,757 2.62 W 191,518 W 5,342 2.79 7

2004 2005 2005 2006 () (2) 8 6 (6) 7 1 1 (8) (7) (37) 19 (18) 4 (31) (27) (1) 31 30 152 (196) (44) 184 73 257 (203) (84) (287) 338 4 342 (29) 4 (25) 61 4 65 18 4 22 12 9 21 157 (409) (252) 117 252 369 (227) 32 (195) (202) 11 (191) (599) (17) (616) 28 (169) (141) (5) (4) (9) (3) 15 12 (733) (701) (1,434) 491 256 747 0 6 6 0 4 4 (42) (21) (63) 146 48 194 (78) (250) (328) (158) 203 45 (5) (85) (90) 20 57 77 (65) (113) (178) (72) (21) (93) (2) 0 (2) 65 14 79 (5) (3) (8) (1) 2 1 (25) (10) (35) 4 60 64 (14) (42) (56) 68 11 79 20 (25) (5) 169 (34) 135 (216) (543) (759) 241 344 585 W (517) W (158) W (675) 250 (88) 162 8

8) 2004 2005 2006 (., % ) W 57,965 42.0% W 59,143 42.9% W 63,982 42.3% 25,963 18.8 23,114 16.7 21,589 14.2 83,928 60.8 82,257 59.6 85,571 56.5 9,421 6.8 8,369 6.1 8,955 5.9 43,657 31.6 46,157 33.4 56,096 37.1 1,118 0.8 1,229 0.9 781 0.5 W 138,124 100.0% W 138,012 100.0% W 151,403 100.0% 9

9) 2004 2005 2006 (., % ) W 57,965 42.0% W 59,143 42.9% W 63,982 42.3% 25,963 18.8 23,114 16.7 21,589 14.2 W 83,928 60.8% W 82,257 59.6% W 85,571 56.5% 10

2004 2005 2006 (.,, ) 11,362 9,343 8,883 182 159 173 11,544 9,502 9,056 1,492 1,507 1,610 54.9% 62.7% 68.4% W 803 W 788 W 868 1,388 1,018 864 45 41 37 401 234 286 W 2,637 W 2,081 W 2,055 W 25,373 W 29,836 W 34,307 7,520 6,748 7,019 33,456 24,261 19,837 2,999 1,002 2,554 W 69,348 W 61,847 W 63,717 () W 1,808 W 2,491 W 2,832 1,524 1,544 1,740 2,934 2,562 2,348 1,378 975 1,748 W 7,644 W 7,572 W 8,668 W 1,804 W 2,045 W 2,564 2,027 1,479 1,559 3,497 2,689 2,396 2,256 1,111 1,338 () 1 1.48% 1.03% 0.97% 1 3 3.32 1.70 1.13 3 6 0.29 0.18 0.27 6 0.11 0.11 0.11 5.20% 3.01% 2.47% 4.55% 2.19% 1.29% 3.91% 2.05% 1.26% W 3,261 W 868 W 496 131 233 236 W 3,130 W 635 W 260 34.04% 11.85% 6.31% 32.66% 8.67% 3.31% W 1,790 W 810 W 305 11

11) 2004 2005 2006 (., % ) W 38,240 27.7 % W 36,344 26.3% W 41,498 27.4% 5,417 3.9 9,813 7.1 14,598 9.7 W 43,657 31.6 % W 46,157 33.4% W 56,096 37.1% 12

12) 2004 12 31 () W 3,689 W 48 W 1 W 3,736 801 22 5 818 11,103 38 6 11,135 37 5 42 166 1 167 15,796 114 12 15,898 225 27 252 W 16,021 W 141 W 12 W 16,150 W 4,748 W 206 W 4,954 65 1 66 1,242 5 1,247 113 2 115 W 6,168 W 214 W 6,382 2005 12 31 () W 3,426 W 3 W 35 W 3,394 569 9 8 570 9,969 3 41 9,931 17 2 19 114 2 112 1 1 14,096 17 86 14,027 93 39 4 128 W 14,189 W 56 W 90 W 14,155 W 6,209 W 37 W 168 W 6,078 125 5 120 3,870 42 3,828 294 4 290 W 10,498 W 37 W 219 W 10,316 13

2006 12 31 () W 3,716 W 1 W 9 W 3,708 573 20 4 589 8,198 1 15 8,184 9 9 152 1 151 12,648 22 29 12,641 378 675 46 1,007 W 13,026 W 697 W 75 W 13,648 W 8,316 W 47 W 92 W 8,271 215 3 212 2,227 13 2,214 205 2 203 W 10,963 W 47 W 110 W 10,900 14

13) 2004 2005 2006 () US$ 5,465 US$ 7,435 US$ 10,211 1,485 1,714 3,771 730 1,830 2,088 US$ 2,215 US$ 3,544 US$ 5,859 15

14) 2004 2005 2006 1,573,505 1,678,791 1,774,717 () 285,892 308,714 309,174 () W 18,021 W 20,770 W 19,672 3,223,671 4,337,349 6,050,196 () 566,192 903,769 1,099,105 () W 19,296 W 25,722 W 29,850 16

() W 0 W 0 W 0 W 8,710 W 0 W 8,710 W 0 0 0 2 5 1,472 1,479 0 0 2 2 1,167 0 1,171 0 0 0 0 1,085 0 1,085 0 59 0 821 0 0 880 59 70 353 0 456 0 879 0 644 0 0 220 0 864 0 300 393 2 10 0 705 0 13 0 0 660 0 673 0 2 539 1 56 0 598 0 6 240 23 0 285 554 0 100 360 1 74 9 544 0 100 97 6 340 0 543 0 0 0 1 0 496 497 0 SH 450 0 0 0 0 450 0 0 0 0 404 0 404 0 LGLCD 0 359 1 27 0 387 0 236 0 4 100 0 340 0 50 0 255 0 2 307 0 300 0 0 0 0 300 0 W 2,330 W 2,343 W 1,119 W 13,314 W 2,264 W 21,370 W 59 17

16) 1 1 5 5 () W 33,515 W 12,074 W 2,594 W 48,183 3,151 3,218 135 6,504 1,408 1 1,409 38,074 15,293 2,729 56,096 14,091 16,192 33,699 63,982 16,005 4,894 690 21,589 30,096 21,086 34,389 85,571 7,992 963 8,955 76,162 37,342 37,118 150,622 279 388 114 781 279 388 114 781 W 76,441 W 37,730 W 37,232 W 151,403 18

17) () LG W 59 W 0 W 821 W 0 W 0 W 880 W 59 20 4 0 0 0 24 24 12 6 2 0 2 22 18 0 8 6 7 1 22 8 8 4 0 0 6 18 12 14 3 0 0 0 17 17 3 0 0 0 9 12 3 9 0 0 0 0 9 9 8 0 0 0 0 8 8 8 0 0 0 0 8 8 W 141 W 25 W 829 W 7 W 18 W 1,020 W 166 19

18), % 1-3 % 3-6 % 6 % (., % ) 2004 133,743 96.8 1,207 0.9 701 0.5 2,473 1.8 138,124 2005 134,079 97.1 784 0.6 561 0.4 2,588 1.9 138,012 2006 148,723 98.2 537 0.4 302 0.2 1,841 1.2 151,403 20

19) 2004 2005 2006 () : W 252 W 252 W 128 W 128 W 1,007 W 1,007 3,736 3,736 3,394 3,394 3,708 3,708 11,135 11,135 9,931 9,931 8,184 8,184 818 818 570 570 589 589 42 42 19 19 9 9 167 167 112 112 151 151 1 1 16,150 16,150 14,155 14,155 13,648 13,648 : 4,748 4,954 6,209 6,078 8,316 8,271 1,242 1,247 3,870 3,828 2,227 2,214 65 66 125 120 215 212 113 115 294 290 205 203 6,168 6,382 10,498 10,316 10,963 10,900 : 249 249 201 201 145 145 916 916 1,756 1,756 478 478 2,479 2,479 1,595 1,595 1,951 1,951 6 6 45 45 3,695 3,695 3,552 3,552 2,574 2,574 W 26,013 W 26,227 W 28,205 W 28,023 W 27,185 W 27,122 21

20) 1 5 5 10 2006 12 31 1 10 (., % ) 710 4.39% 2,978 2.68% 20 2.20% 3,708 3.01% 3,861 3.70 4,243 2.32 61 1.95 19 1.86% 8,184 2.96 116 4.86 386 4.31 20 3.97 W 67 1.32 % 589 4.07 9 0.94 9 0.94 72 2.90 65 4.72 9 2.18 5 4.74% 151 3.68 4,759 3.82% 7,672 2.58 % 119 2.26% 24 2.43% 67 1.32 % 12,641 3.04% 1,331 5.36 4,622 4.17 2,361 3.64 2 5.47 8,316 4.21 1,887 3.91 310 3.75 30 0.34 2,227 3.84 155 2.61 60 2.48 215 2.57 10 4.10 195 4.27 205 4.26 3,228 4.51% 5,282 4.10 % 2,451 3.57% 2 5.47 % 10,963 4.10% 117 3.81 115 2.99 246 3.80 478 3.61 235 3.27 1,716 1.66 1,951 1.85 352 3.45% 1,831 1.74 % 246 3.80% 2,429 2.20% 22

21) 2006 12 31 () W 10.182 W 10,150 8,710 8,705 W 18,892 W 18,855 23

22) 2004 2005 2006 (., % ) W 2,832 W 3,010 W 3,173 620 0.16% 614 1.14% 625 1.76 % 6,107 4.06 5,007 3.69 8,386 4.52 68,230 3.98 66,229 3.61 62,015 3.92 39,042 0.79 38,343 0.57 41,652 0.71 12,105 4.63 10,589 3.61 8,511 3.40 W 128,936 2.97 W 123,792 2.57 W 124,362 2.74 24

23) 2006 12 31 () 3 W 5,865 W 5,807 W 197 W 11,869 3 6 2,450 2,903 119 5,472 6 12 995 11,677 157 12,829 12 2,601 183 2,784 W 9,310 W 22,988 W 656 W 32,954 ( 2006. 12. 31. 1,,. ) 25

24) 2006 12 31 () 2007 W 4,042 2008 8,119 2009 1,835 2010 1,821 2011 970 2012 4,888 21,675 W 21,675 26

25) 2004 2005 2006 (., % ) W 652 W 1,254 W 168 1,267 1,218 2,825 3,773 2,305 3,220 3.31% 3.28% 4.21% 0.27-6.85% 3.40-4.45% 4.08-7.50% W 922 W 647 W 682 911 687 653 1,073 972 1,059 2.41% 2.04% 2.30% 2.00% 2.00-4.67% 2.75% W 8,592 W 5,471 W 9,945 8,150 7,474 7,574 8,592 9,387 10,020 3.80% 3.68% 4.48% 0.15-17.69% 0.00-7.73% 0.53-5.95% 27

26) 0.75% 1.0% 8.0% 10.0% 20.0% 20.0% 55.0% 55.0% 100.0% 100.0% 28

27) () KB 99.99% W 33,462 W 17,578 W 3,075 W 2,270 KB 99.98 67,102 28,054 2,520 1,801 KB 99.99 110,589 108,725 (2,880) (2,880) KB 80.00 92,175 81,514 32,375 23,769 KB 99.99 243,192 136,387 24,330 17,663 KB 99.73 43,936 35,391 10,278 7,482 100.00 399,943 75,522 7,755 7,713 100.00 332,054 69,707 4,735 3,784 29

28) () 1,749 5,354 5,928 2,006 3,704 207,659 4,158 15,584 196,649 IT 13,116 IT 4,748 30

29) 12 31 12 31 2004 2005 2006 2004 2005 2006 () W724 W1,320 W1,231 W12,225 W9,169 W10,372 (220) 494 491 2,585 2,193 2,256 (245) 360 345 3,119 4,267 5,265 48 151 12 9,558 7,109 8,967 34 7 477 929 2,797 2,457 W341 W2,332 W2,556 W28,416 W25,535 W29,317 31

30) 1 13 35 5 () W 21,675 W 4,042 W 9,954 W 2,792 W 4,887 420 361 59 W 22,095 W 4,403 W 10,013 W 2,792 W 4,887 32

31) 2004 2005 2006 (., % ) W 8,077 W 11,708 W 13,329 1,682 1,682 1,682 6,061 6,092 6,098 1,897 3,968 6,242 28 39 44 (1,591) (73) (737) 5,901 4,789 6,059 177 177 177 1,435 1,524 1,667 537 505 472 3,482 2,415 3,432 270 168 311 (153) (162) (217) (490) (652) (420) 13,335 15,683 18,751 121,082 121,073 132,373 115,969 115,204 127,229 3,970 5,403 4,856 1,143 466 288 11.01% 12.95% 14.17% 6.67 9.67 10.07 4.34 3.28 4.10 33

32) 2002 2003 2004 2005 2006 : % 6.62 % 6.03 % 6.67 % 9.67 % 10.07 % 3.79 3.78 4.34 3.28 4.10 6.20 6.33 5.10 6.31 7.37 34

33) 2002 2003 2004 2005 2006 (., % ) W4,126 W4,962 W3,524 W2,297 1,551 2.98% 3.45% 2.53% 1.66% 1.02% 2.20 2.66 1.93 1.26 0.78 40.04 44.62 47.86 52.83 52.31 2.38 2.59 2.25 1.78 1.55 2.96 3.44 2.52 1.63 1.00 95.20 97.35 99.41 96.94 103.01 5.50 5.35 4.37 2.30 1.13 8.48 8.81 6.90 3.97 2.15 6.27 6.78 5.26 3.00 1.64 19.37 22.20 23.53 28.29 31.03 35

34) W 2006 3,090,566 1 (1,018,861) 2 (55,635) 3 (22,551) 4 184,172 5 (169,835) 6 1,071 7 8 7,133 9 (39,005) 10 (28,520) 11 (4,001) 12 7,120 13 45,520 14 (6,772) (1,100,164) 467,858 W 2,458,260 W 14,772,176 1 (1,557,425) 2 (140,046) 3 (39,841) 4 481,667 5 (543,886) 6 332,657 7 363,550 8 165,244 9 (47,903) 10 579,436 11 44,281 12 (243,420) 13 2,045 14 66,993 (536,648) 892,533 W 15,128,061 36

35) K GAAP 2006 % 0.70% 1.00% 1.50% 7.00% 10.00% 15.00% 20.00% 20.00% 20.00% 50.00% 55.00% 60.00% 100.00% 100.00% 100.00% 37