Annual Report 2007
Contents 01 02 04 08 10 12 2007 14 2007 16 KB 18 20 22 24 26 28 30 32 34 PB 36 38 KB 40 44 48 50 52 KB 54 55 56 58 62 64 Financial Section 66 80 270 272 273 Forward Looking Statements
KB. KB,,.
KB,. KB 2007 2 4,721 2007 2 7,738. KB.
I KOOKMIN BANK ANNUAL REPORT 2007 I KB 3 2 7,738
Letter to Stakeholders KB 2007 2008,,,. 004 KOOKMIN BANK ANNUAL REPORT 2007
! KB. 2007,,.,. KB. KB 2007 2 1 1.. 3 KB.,,. 23 6,596 218 8,660, 21 6,828 171 5,500. 138 8,587, 50 2,505 8 8,388 11 2,078. 0.29%p 0.74%, 0.36%p 0.59%, 42.26%p 193.03%. KOOKMIN BANK ANNUAL REPORT 2007 005
KB 2007 4 8,579, 2 7,738 3 2. 2007 KB.! 2008. BIS,. 2008. 3 4.,.,..,. 006 KOOKMIN BANK ANNUAL REPORT 2007
BCC,,.,.,. 12.,,,.,.. KB IB. KB 2008,.,.. KB KOOKMIN BANK ANNUAL REPORT 2007 007
Financial indicators 27,738 219 203 16 Credit Rating 3 1.34 18.23 12.62 Moody s A1 Aa3 Stable 2007 07 S&P A- A Stable 2007 03 Fitch A A+ Stable 2007 06 008 KOOKMIN BANK ANNUAL REPORT 2007
KB 2 4,721 2007 2 7,738. ROA ROE 1.34%, 18.23%. 2007 BIS 12.62% 1.03% 0.74%. 1.34 18.23 12.62 0.74 1.34 18.23 12.62 Customer Satisfaction (NCSI) 2 1KB 01 02 03 04 05 06 07 KOOKMIN BANK ANNUAL REPORT 2007 009
Vision & strategy KB,,., 1. 2007 KB 3 2. 2 NCSI 1. 2007,,,...,.. (HNWI) PB PB,.,.. NPL,,. KB 3 Moody s, S&P, Fitch. KB.,,,, IT, Basel. 010 KOOKMIN BANK ANNUAL REPORT 2007
KB 2007 KB KB,. KB. KB,,,,. PB..,, (CIS) KB,.,. M&A. KB. KB (KB TRIANGLE NETWORK) KB,,,, (CIS) KB (KB Triangle Network). 2007,,,,,, 2008 M&A. KB KB KB. KOOKMIN BANK ANNUAL REPORT 2007 011
Highlights 072007 (NCSI) KB (NCSI) 2 1 2007 1 KB 2005 CS 9 KWSI 1 10 (KCSI) 1 KB 2007 6 8 11 12 1 BBVA 3 9 KB KB 3 6 S&P Fitch KB 7 A1 Aa3 KB 3 Moody s, S&P, Fitch KB KB KB 1 GOLD&WISE 2007 KB 21 2007 012 KOOKMIN BANK ANNUAL REPORT 2007
KB 2007. KB 2 1, FINANCE ASIA 2. 1 KB 1,000 2003 300 12 21 1,000 25% 10 KB PB 3 KB 2006 9 70 1 2 4 7 35 2 103 2007 BASEL II 2007 KB Basel II Basel II B-boy 2007 TV KOOKMIN BANK ANNUAL REPORT 2007 013
& Recognition 07Awards 1 (NCSI) 2 1 2<FINANCE ASIA> 2 3<THE ASIAN BANKER> 5 2007 12 KB (NCSI) 2 1, 1. 2007 9 KB <Finance Asia> Country Awards for Achievement 2007 2 (Best Bank in Asia). KB 9 ROA, ROE, 12. 2007 6 KB <The Asian Banker>. KB 5, 140 9. 2007 KB 2007.1. 2 2 1 () 2007.1. 8 Asia Risk Interbank Survey 4 1 (Asia Risk ) 2007.2. 2 2007.2. 21 KB () 2007.2. 27 ( ECONOMY21) 2007.2. 28 2007 ( ) 2007.3. 5 2007.3. 8 (K-BPI) 9 1 ( ) 2007.3. 21 A (S&P) 2007.3. 22 Deal of the Year () 2007.3. 28 3 100 CEO () 2007.3. 30 2000 (Global 2000 company) 182 ( ) 2007.4. 4 1 (, ) 2007.4. 9 2007 (, ) 2007.4. 16 2007 1 ( ) 2007.4. 26 2007 () 2007.4. 30 1 ( ) 2007.4. 30 1 () 2007.5. 6 A1, Stable (Moody s) 2007.5. 16 2007.6. 8 5 (The Asian Banker) 2007.6. 1 2007 100 4 () 2007.6. 13 A+ (Fitch) 2007.6. 15 KB GOLD&WISE, 2007 () 2007.6. 20 2007.6. 21 2007 (imbc,, ) 2007.6. 26 () 2007.6. 26 2007 (Economy21) 2007.7. 12 500 349 () 2007.7. 14 300 12 () 2007.7. 25 Aa3 (Moody s) 2007.7. 25 CEO (, ) 2007.8. 8 () 014 KOOKMIN BANK ANNUAL REPORT 2007
4 5 6 <GLOBAL CUSTODIAN> 1 2007 CEO <Global Custodian> KB2007 Custody Service Survey (Domestic) 2005 2006 1 HSBC 1 2007 12 KB KB,. 1 12. 2007 11 KB CEO 2007 CEO. CEO CEO,,. 2007.8. 14 2007.8. 30 2007 ( ) 2007.9. 4 2007 NBCI() 4 1 ( ) 2007.9. 4 2007 (KWCI) 2 1 (, ) 2007.9. 6 Country Awards For Achievement 2007 Best Bank in Asia 2 (Finance Asia) 2007.9. 6 Country Awards For Achievement 2007 Best Bank in Korea (Finance Asia) 2007.9. 6 Country Awards For Achievement 2007 Best Cash Management Bank (Finance Asia) 2007.9. 18 2007 ( ) 2007.9. 27 Best Local Cash Management Bank (Asiamoney) 2007.9. 27 1 (, ) 2007.10. 25 (KCSI) 1 ( ) 2007.10. 28 PB 1 () 2007. 11. 20 2 () 2007. 11. 22 2007 ( ) 2007. 11. 28 2 5 455 1 ( ) 2007. 11. 29 2007 CEO (CEO) 2007. 12. 5 2007. 12. 6 (Structured Products ) 2007. 12. 11 (NCSI) 2 1 ( ) 2007. 12. 11 KB (NCSI) 1 ( ) 2007. 12. 12 GOLD&WISE, 2007 2007. 12. 17 () 2007. 12. 17 () 2007. 12. 18 ( ) 2007. 12. 27 (KNPS) ( ) 2007. 12. 28 KOOKMIN BANK ANNUAL REPORT 2007 015
국민은행 KB 경영진 Senior Management ❽ ❼ ❻ ❹ ❷ ❶ ❸ ❺ 1. 강정원(은행장) 4. 이증호(영업그룹Ⅱ) 7. 홍세윤(업무지원그룹) 016 KOOKMIN BANK ANNUAL REPORT 2007 2. 최인규(전략그룹) 5. 원효성(신용카드사업그룹) 8. 손광춘(HR그룹) 3. 심형구(마케팅그룹) 6. 최영한(자금시장그룹)
❺ 1. 정용화(상근감사위원) 4. 오용국(투자금융/해외사업그룹) 7. 김흥운(전산정보그룹) 2. Donald H. MacKenzie(재무관리그룹) 5. 남경우(신탁/기금사업그룹) 8. 김기홍(지주회사설립기획단) ❸ ❶ ❷ ❹ ❻ ❼ ❽ 3. 이달수(영업그룹Ⅰ) 6. 오병건(여신그룹) KOOKMIN BANK ANNUAL REPORT 2007 017
Organization Chart KB. 3, 13 1 15 2 61 2,., PB, /. 018 KOOKMIN BANK ANNUAL REPORT 2007
KB,,,,,., /. KOOKMIN BANK ANNUAL REPORT 2007 019
KB. CRM,,. KB. 020 KOOKMIN BANK ANNUAL REPORT 2007
32.1% 4 2,334 4 2,334 I KOOKMIN BANK ANNUAL REPORT 2007 I
Business at a glance. 2007,. 2007 2 1 CRM.,.. 2008 CRM,.. 2007 2 1 5 CEO Community 2008 3 5,000 IB ABS 2007, KB. 138, 54. 2007.,. 2008,.,,. 022 KOOKMIN BANK ANNUAL REPORT 2007
(Money Market Book). (KORIBOR). KAIST, FX 2006 9. 2006 2. 2008,,,.. 2007 4 2,374 2006 21% 8 3,636 13%.,. 2,000 21.2%. 2008,.,. 2007 PB(Private Banking) (GOLD & WISE). 2006 40% 6 5, PB. CEO HNWI (High Net Worth Individuals) PB PB 9 PB 27 PB.. 2008 HNWI PB, 30 PB 9.. 2009. KOOKMIN BANK ANNUAL REPORT 2007 023
Retail Banking KB 2007,.,. 2007 CRM. CRM. G-CRM.. 586 STP(Success Together Program) 6. KB 75 (,, PB). 39, 8. 024 KOOKMIN BANK ANNUAL REPORT 2007
, ATM. 2 1.,, 14 54,000,, KB,.. STP(Success Together Program) KB. CRM G-CRMDM, CRM,.,. KB 49, 10~30%. KB, KB, SWAP, KB, (SOHO) KB (SOHO). 2008 /,. /, P-ATM,. (SOHO), KB, KB., Youth KOOKMIN BANK ANNUAL REPORT 2007 025
KB.,. Corporate Banking 2007 2007 KB 16 63.5., KB 2,841 2.4,. KB, KB,, (CMS),. M&A,. SMBC (CMS). KB 2007 SIFCC&M SOC M&A Syndicated Loan 026 KOOKMIN BANK ANNUAL REPORT 2007
52 886 (Bloomberg) 2007 (Syndicated Loan) 19.2% 0.3% ABS 21,600 2 CEO Community CEO. CEO Community CFO,,... T/B(Treasury Bill) /CFO B2B, (GCMS). SOHO, PB, Help Desk. (CMS) KB,, 2008 (GTS).,. (Structured Financing), ( 6 / 1 ), ABS. KB, M&A IB,. 2008 KB.,,,,, (Cross-selling). 3 5,000,. KOOKMIN BANK ANNUAL REPORT 2007 027
KB 900 750.,. Credit Card 2007 2007. LG.,. 2008 2008 2007 8~10%..,,. 2007 2007 KB. KB KB Golden life, KB Houstar, VVIP KB TEZE KB ROVL, it Phone it Study, KB, Mybiz. 028 KOOKMIN BANK ANNUAL REPORT 2007
138,. 2002 (Retail) (2006 15%, 37) 54.,, (Transaction). 2007 KB (Revolving), (CAI), 15%. KB (CRM). (PRM), KB (e-crm). (TMR). KB - Steady Seller: KB, SK KB, KB - : SK KB, GS KB : SKYPASS, KB : KB, TheCJ KB : KB CGV, KB VVIP: KB TEZE, KB ROVL : KB : KB Golden Life : KB 5, e- KB, KB, KB Youth: it Phone, it Study 2008 2008 KB 2. (CRM) (PRM)...,. KOOKMIN BANK ANNUAL REPORT 2007 029
KB., 2005 12. Trust / NHF Mangemet 2007 2007 KB (MMT), H (ETF), (ELS). CP 2006 21% 4 2,374. 2006 0.6%p. 2007 8 3,636 13%. 2006 4% 753.,,,. 030 KOOKMIN BANK ANNUAL REPORT 2007
,.,, 2,000 21.2%. 2008,., (MMT), CP, ELS,,,..,,.,,. 1981 7. KB,,,, 2007 51. 2003 2, 2008. 2007 2008 KB 2007,,.,,. 2008 KB. KOOKMIN BANK ANNUAL REPORT 2007 031
KB (Treasury), (Trading), (Sales).. Capital Markets & Treasury 2007 2007 KB,. (Money Market Book), (KORIBOR)., PB,. relationship (Syndicated Loan), FRN 25, 2007 1 5 FRN 5 Libor+23bp. 032 KOOKMIN BANK ANNUAL REPORT 2007
2006 (Book) FX FX (Book) 2006 9, (Book). (Quant) KAIST 2. /,, 2006 2., REPO, CP, Non-U$.. (Book),. 2007.,. KB <Asia Risk> <Structured Products> 2007. 2008 2007, ABS,. KOOKMIN BANK ANNUAL REPORT 2007 033
KB GOLD & WISE PB(Private Banking). VIP. PB Private Banking 2007 2007 KB PB(Private Banking) GOLD & WISE. 3 5 PB PB PB., 30 CEO HNWI(High Net Worth Individuals) PB PB, 9 PB 27 PB. PB 2007 6 5 PB. 2007 (AUM) 2006 40% 6 5, GOLD & WISE. GOLD & WISE 2007 PB 2007 PB 6 PB 034 KOOKMIN BANK ANNUAL REPORT 2007
2007 WM, PB., WMI, PB., CEO Smart Biz,. 2008 PB HNWI PB 2008 30 PB (AUM) 9 MGM(Member-get-member), SGM(Staff-get-member) 2009 2 KOOKMIN BANK ANNUAL REPORT 2007 035
KB. IT,. KB,.
I KOOKMIN BANK ANNUAL REPORT 2007 I 3.1% 11.5% 49.3% 36.1% KB e- 2007 1,037, 200, 320. 1,037
,, IT, IT, IT,, IT. KB KB Systems,,,, Full Scale Global Bank. KB 3 KB 7 2010 2 Open. KB e- 2007 1,037, 200, 320,. IT 2007 IT KB, Wine, CRM,,., e-marketing,, KB,, Renovation e-business. IT Investment Banking,,, // IT., Basel II,,. 038 KOOKMIN BANK ANNUAL REPORT 2007
IT IT,, IT.,,,,. e-crme- 1:1, 29. (Renovation). (SOHO) KB serp, KB. 2008 IT,,,, Geographical-CRM,. PPR(Process & Paperless Revolution), IFRS (International Financial Reporting Standards), CMBS(Capital Market Business System) IT. IT,, IT., BCP(Business Continuity Plan) Global IT. e-crm e-crm.,.. KB serp KOOKMIN BANK ANNUAL REPORT 2007 039
Credit Management KB 2007.,. KB,,,,,. (Credit Cost). 2007. 2007,,.,,., DM.,,. 040 KOOKMIN BANK ANNUAL REPORT 2007
KB, ), ), ).,, ( ),. 12 17. BSS,. (Cut-off), (Pilot Test),. 2007 KB ( BIS),. (,, ),. (Contingency Plan),., 2007. RISK,, 2007 12.,,,,. KB,. KB,,,. KOOKMIN BANK ANNUAL REPORT 2007 041
, 6,.,, (BSS). 0.20%P, 0.15%P,. 2006 25.2(16.5%), 3.5, 19.0, 2.7., (B2B). KB 2004,., 2007,, ABS 2006 0.95% 0.36%P 0.59%, (NPL Ratio) 2006 1.03% 0.29%P 0.74%. 042 KOOKMIN BANK ANNUAL REPORT 2007
NPL 2006 150.77% 42.26%P 193.03%. 2008, KB.,, i) 10, ii).,. NPL,,,,.,,. KOOKMIN BANK ANNUAL REPORT 2007 043
Risk Management KB,.,,,,,,, KB VaR(Value at Risk).. 5., (Risk Appetite).. 8,, (Risk Appetite). 044 KOOKMIN BANK ANNUAL REPORT 2007
.,,,,. KB 2007 12 //.,,,. KB. CREDIT VaR Credit VaR ( 1 ). KB, Credit VaR.. KB,,,,.,,. KB (Mild Recession Scenario).,. KB,,,,,,,. /, 2005 7 VaR. MARKET VaR Market VaR,. (Exposure) KOOKMIN BANK ANNUAL REPORT 2007 045
Market VaR KB -(variancecovariance), (,, ). VaR(Daily VaR), Market VaR. (BACK-TESTING) VaR VaR, 99%. (STRESS TESTING),,,. KB.. VaR,,,,,. KB /,,.. /. 046 KOOKMIN BANK ANNUAL REPORT 2007
KB,,,,.. KB. KB.,,.,., (BCP), IT. KB. //,, // /,,,, ( ). KB, /,, II. : KB 2005 12 II., PD/LGD/EAD. 2007 12, 2008 1.,,. : KB 2005 7. : KB 2005 12. 2008 KB, 2008. KOOKMIN BANK ANNUAL REPORT 2007 047
KB. KB..
KB 2007 KB 54,863. 54,863 I KOOKMIN BANK ANNUAL REPORT 2007 I
Corporate Governance KB 2008 3 5 10 3 2007 200715 37 22 KB 6. 2 8 1 6 6 2 IT 3 2007 9 28 4 12 14 2008 INGLK 050 KOOKMIN BANK ANNUAL REPORT 2007
KB 4 1 2 (Risk Appetite) 5 1 20077 (Risk Appetite) (Economic Capital Management) (RAROC) (SOHO ASS Tuning) 5 2007 18 2008 KB 2008 (NYSE) 5 1 2007 5 2008 KOOKMIN BANK ANNUAL REPORT 2007 051
KB Board of Directors 1. 2. Jacques P.M. Kemp CEO, ING Insurance Asia/Pacific 3. 4. 5. 6. KDI 7. 8. 9. 10. Kang & Company 052 KOOKMIN BANK ANNUAL REPORT 2007
1. 2. 3. 4. Donald H. Mackenzie 5. KOOKMIN BANK ANNUAL REPORT 2007 053
Shareholder Relationship KB 2,,. 7 105,267. 2, 2 2. KB,. KB 2 1,200,. KB. 2006 73% 2007 49%. KB,. KB. 2005. KB,. KB., KB.. 054 KOOKMIN BANK ANNUAL REPORT 2007
, 1,042, 1,223.,. HR Management KB. 10. 10,800, AFPK, CFP., IBP(International Best Practice) IBP, KB Loyalty, KB,. 3 KB (SOD),. KB 2007. HR,,, 2007 (Best Employers in Korea) Top 10. 2007 KB,,.. 210 2008 KB,, HR. 2008,,,. KBMBA,,. KB. KOOKMIN BANK ANNUAL REPORT 2007 055
KB. KB. 2007 1. Customer Satisfaction 2007 KB KB KB (Service Identity). KB KB. KB. 2007 (NCSI) 1 2. (KCSI) 1, (KWCI) 1. 2007, 2007. 056 KOOKMIN BANK ANNUAL REPORT 2007
KB., 2007 4,094 (2006 3,796 +298 ).. 2007 16.4%, 19.3%. KB 2006 5 3 (), 2007 2()., (NCSI) 3 1, (KCSI) 2 1.,... KB CS, CS KB, CS CS,. KB. 2008 KB 2008,. 04 05 06 07 KOOKMIN BANK ANNUAL REPORT 2007 057
KB.,,. Ethical Management KB KB.,. KPI KB.. KB (Clean Bank).,. 058 KOOKMIN BANK ANNUAL REPORT 2007
/ (Compliance Check). KB,. KB,.,,,,.,,,.,,,,. 2007 KB (Risk Analysis system),,. IT, 2008 Basel.,., (Skill Set), (Training Road Map) /. 2008,. BIS,,.. KOOKMIN BANK ANNUAL REPORT 2007 059
KB.,,, (CSA). 2007 (CSA),,.,,,, Compliance.,. /,,,,,,. (Compliance).,,. 2008 2008,. 060 KOOKMIN BANK ANNUAL REPORT 2007
,. KB Sarbanes-Oxley Act,. KB COSO 5(,,,, ). 2007., 2007 12 31 KB,. KB.,. Tone at the top. 2008 KB.. KOOKMIN BANK ANNUAL REPORT 2007 061
Social Contributions KB 2006 10,,. KB,. KB 20062006 2007. KB,. 2007 4, NGO. 2006 KB - KB -, (20073,200 ) -, KB KYC, - KB 4 ( 1,800 ), YMCA,, 2007 KB. 200754,863 ( ) 062 KOOKMIN BANK ANNUAL REPORT 2007
233,634( 1 9.73, 233,634 /24,000 ).,, KB. KB KB,, 2007 12 10, 700. KB KB,,, KB KB 2007. KB 2007, KB., KB 2008,,.. KB ( ) () 1,347 13,739 56,331 / 1,034 12,221 53,948 1,129 12,849 52,388 836 9,094 42,174 902 4,501 19,754 / 251 2,459 9,039 5,499 54,863 233,634 KB KB KB 2007 70 4.,. KB,. KB.,,. KOOKMIN BANK ANNUAL REPORT 2007 063
Financial Contents 66 80 250 252 253 Forward Looking Statements 064 KOOKMIN BANK ANNUAL REPORT 2007
Financial Section 2007 KB 2 7,738. KB. KB,.F S KOOKMIN BANK ANNUAL REPORT 2007 065
2007 KB. KB,,, 4, 3 2. KB (NCSI) 2 1,,.,, Wealth Management. 3 KB Clean Bank. 2007 II, IT IFRS 1,. KB,, 2007 2 7,738. ROA ROE 1.34% 18.23% 0.05%p 0.75%p. 2007 2.7% 6 9,617., 9,273 2007 71.4% 1 5,896. 14.5% 3 6,933, 51.0% 2007 32.1% 4 2,334. 2,026 2007 2,964 2006 2 4,721 12.2% 2 7,738.,, 12.1% 218 8,660, 6.8% 138 8,587. 2007 6.5% 16 377. BIS(CAR) 2006 14.17% 1.55%p 12.62%, (Tier I) 10.07% 0.33%p 9.74%. KB,. 2006 0.95% 0.36%p 0.59%, 2006 1.03% 0.29%p 0.74%., NPL Coverage 42.3%p 193.0%. KB. 066 KOOKMIN BANK ANNUAL REPORT 2007
5,000 4,000 3,000 2,000 1,000 2,800 3,205.0 2,472.1 4,233.4 2,773.8 2007 2006 ( : ) % 6,961.7 6,778.4 183.3 2.7% 1,589.6 927.3 662.3 71.4% 3,693.3 3,225.1 468.2 14.5% 4,858.0 4,480.6 377.4 8.4% 624.6 1,275.6 (651.0) -51.0% ( ) 544.6 948.5 (403.9) -42.6% 4,233.4 3,205.0 1,028.4 32.1% 296.4 202.6 93.8 46.3% 4,529.8 3,407.6 1,122.2 32.9% 1,756.0 935.5 820.5 87.7% 2,773.8 2,472.1 301.7 12.2% KB 2006 2 4,721 2 7,738 12.2%. KB. 2,700 2,600 2,500 2,400 2.7% 6 9,617. LG 71.4%. 29.2% 3.8%, 97.3%, 21.7% 10%.. IT 3 6,933 14.5% / 8.4% 4 8,580., 2007 6,246 51.0%, 3 ING 46.3%. 2007 2006 12.2% 2 7,738. KOOKMIN BANK ANNUAL REPORT 2007 067
2007 2006 ( : ) % 13,636.6 12,062.9 1,573.7 13.0 12,146.9 10,652.6 1,494.3 14.0 1,440.2 1,350.3 89.9 6.7 49.5 60.0 (10.5) (17.5) 6,674.9 5,284.5 1,390.4 26.3 4,144.1 3,433.5 710.6 20.7 1,719.4 1,139.1 580.3 50.9 811.4 711.9 99.5 14.0 6,961.7 6,778.4 183.3 2.7 6,900 6.800 6,700 6,600 6,500 6,400 6,300 6,200 6,100 6,778.4 6,961.7 2.7% 6 9,617., 12 1,469 14.0% 6.7% 1 3,503 1 4,402. 7,106 995.. 068 KOOKMIN BANK ANNUAL REPORT 2007
2,000 1,500 1,000 500 927.3 1,589.6 2007 2006 ( : ) % 1,071.4 974.5 96.9 9.9 469.4 237.9 231.5 97.3 188.2 154.7 33.5 21.7 121.7 171.8 (50.1) (29.2) 93.4 97.1 (3.7) (3.8) 155.6 267.2 (111.6) (41.8) 43.1 45.8 (2.7) (5.9) 709.7 146.7 563.0 383.8 742.6 178.9 563.7 315.1 (43.9) (39.7) (4.2) N/A (191.5) (193.9) 2.4 N/A & (481.6) (423.9) (57.7) N/A 18.6 19.1 (0.5) (2.6) 1,589.6 927.3 662.3 71.4 2007 9.9% LG 71.4%., 9.9%. 29.2%, 97.3%, 21.7% 1,882 1. LG 383.8%.. 2008. KOOKMIN BANK ANNUAL REPORT 2007 069
2007 2006 ( : ) % 3,693.3 3,225.1 468.2 14.5 1,820.7 1,612.1 208.6 12.9 1,332.0 1,184.4 147.6 12.5 422.7 324.4 98.3 30.3 117.9 104.2 13.7 13.1 43.0% 41.9% 1.1%p 4,000 3,500 3,000 3,225.1 3,693.3 3 2,251 3 6,933 14.5%. 2,086 1 8,207, 1 1,844 1 3,320 12.5%. 30.3% 13.1%. 2007 1.1%p 43.0%. 2007 2006 ( : ) % 4,858.0 4,480.6 377.4 8.4 624.6 1,275.6 (651.0) (51.0) 544.6 948.5 (403.9) (42.6) 83.0 383.1 (300.1) (78.3) 407.2 300.4 106.8 35.6 54.4 265.0 (210.6) (79.5) 80.0 327.1 (247.1) (75.5) 4,233.4 3,205.0 1,028.4 32.1 4,800 4,600 4,400 4,200 4,480.6 4,858.0 2007 8.4% 4 8,580. 2007 4 1,317 2007 51.0% 6,246., 1,068, / 78.3% 79.5% 830 544.. 070 KOOKMIN BANK ANNUAL REPORT 2007
350 300 250 200 150 100 202.6 296.4 2007 2006 ( : ) % 296.4 202.6 93.8 46.3% 9.0 7.8 1.2 15.4% 260.0 110.4 149.6 135.5% 99.7 108.6 (8.9) -8.2% 160.3 1.8 158.5 N/A 27.4 84.4 (57.0) -67.5% 50 46.3% 2,964. 570, 3 ING 135.5%. 15.4% 90. KOOKMIN BANK ANNUAL REPORT 2007 071
2007 2006 ( : ) % 218,866.0 195,206.5 23,659.5 12.1 6,544.8 6,568.3 (23.5) (0.4) 30,777.0 29,382.5 1,394.8 4.7 171,550.0 149,867.2 21,682.8 14.5 2,298.7 2,137.7 161.0 7.5 7,695.2 7,250.8 444.4 6.1 202,828.3 180,151.5 22,676.8 12.6 138,858.7 130,019.9 8,838.8 6.8 15,355.8 14,060.2 1,295.6 9.2 34,894.6 24,982.5 9,912.2 39.7 13,719.1 11,088.9 2,630.2 23.7 16,037.7 15,055.0 982.7 6.5 218,866.0 195,206.5 23,659.5 12.1 220 200 180 210 195.2 180.2 218.9 202.8 2007 KB, 2006 195.2 12.1% 218.9. 1 3,948, 1,610. 21 6,828. 190 170 KB 8 8,388 138 8,587 6.8%. 39.7% 34 8,946., 23.7% 13 7,191 180 1,515 202 8,283 12.6%. 3 2 9,827 16 377. 072 KOOKMIN BANK ANNUAL REPORT 2007
160 140 120 142.0 162.9 2007 2006 ( : ) % 152,446.2 133,074.1 19,372.1 14.6% 88,896.2 85,519.3 3,376.9 3.9% 41,240.7 39,074.5 2,166.2 5.5% 47,655.5 46,444.8 1,210.7 2.6% 63,550.0 47,554.8 15,995.2 33.6% 49,671.4 36,373.7 13,297.7 36.6% 7,692.4 3,681.8 4,010.6 108.9% 6,186.2 7,499.3 (1,313.1) -17.5% 10,436.9 8,969.0 1,467.9 16.4% 5,559.2 4,705.3 853.9 18.1% 2,479.6 2,469.4 10.2 0.4% 2,337.0 1,748.9 588.1 33.6% 61.1 45.4 15.7 34.6% 162,883.1 142,043.1 20,840.0 14.7% 133 741 152 4,462 14.6%., 3 88 8,962 3 3,769. 41 2,407 47 6,555 5.5% 2.6%. (SOHO) 36.6% 49 6,714, 7 6,924 108.9% 33.6% 63 5,500. 10 4,369 16.4%., 4 1.,. KOOKMIN BANK ANNUAL REPORT 2007 073
2007 2006 ( : ) % 119,580.6 119,008.9 571.7 0.5% 47,106.3 49,308.7 (2,202.4) -4.5% 15,531.7 15,176.9 354.8 2.3% 17,846.6 20,826.7 (2,980.1) -14.3% 9,500.6 8,302.4 1,198.2 14.4% 4,227.4 5,002.7 (775.3) -15.5% 72,474.3 69,700.2 2,774.1 4.0% 61,808.6 57,136.5 4,672.1 8.2% 6,012.1 7,676.3 (1,664.2) -21.7% 4,653.6 4,887.4 (233.8) -4.8% 17,617.6 9,579.7 8,037.9 83.9% 137,198.2 128,588.6 8,609.6 6.7% 34,894.6 24,982.5 9,912.1 39.7% 120 110 100 119.0 119.6 2007 KB 5,717 119 5,806,, 2 7,741. 2007 CMA 2007. 4.0% 72 4,743. 9 5,797 17 6,176 83.9%. 2007 8 6,096, 6.7% 137 1,982. 39.7% 34 8,946. 074 KOOKMIN BANK ANNUAL REPORT 2007
BIS (CAR) 14.0 12.0 10.0 14.17 12.62 2007 2006 ( : ) % (Tier I capital) 15,157 13,329 1,828 13.7% 1,682 1,682 0 0.0% 6,098 6,098 0 0.0% 7,775 6,242 1,533 24.6% 0 0 0 n.a. (398) (693) 295 n.a. (Tier II capital) 4,477 5,423 (946) -17.4% 177.2 177.2 0 0.0% 1,953.0 1,667.0 286 17.2% 45% 61.0 312.0 (251) -80.4% 2,227.0 3,432.0 (1,205) -35.1% 440.0 472.0 (32) -6.8% ( ) (381) (637) 256 n.a. BIS 19,634 18,752 882 4.7% 155,599 132,373 23,226 17.5% 148,632 127,229 21,403 16.8% 6,967 5,144 1,823 35.4% BIS CAR 12.62% 14.17% -1.55%p (Tier I) 9.74% 10.07% -0.33%p (Tier II) 2.88% 4.10% -1.22%p 2007 BIS 4.7% 19 6,340. 13.7%, 17.2%, 610 2 2,270 80.4% 35.1% 17.4%. 17.5% 155 5,990. BIS (CAR) 14.17% 12.62% 1.55%p.., KB. KOOKMIN BANK ANNUAL REPORT 2007 075
2007 2006 ( : ) % 177,476.1 152,323.0 25,153.1 16.5 174,735.8 149,025.0 25,710.8 17.3 1,426.8 1,723.0 (296.2) (17.2) 557.3 725.2 (167.9) (23.2) 483.4 555.6 (72.2) (13.0) 272.8 294.2 (21.4) (7.3) (NPLs) 1,313.5 1,575.0 (261.5) (16.6) (NPL ratio) 0.74% 1.03% (0.29%p) (LLR) 2,535.5 2,374.5 161.0 6.8 NPL coverage ratio 193.03% 150.77% 42.26%p 0.59% 0.95% (0.36%p) Write-offs 866.5 1,760.4 (893.9) (50.8) NPL 316.1 452.9 (136.8) (30.2) 1,600 1,400 1,200 1,575.0 1,313.5 2007 KB 16.5% 177 4,761 17.3%, 16.6%, 17.2%., KB 2007 2007 1,317 5,446 2006 9,485 42.6%., NPL coverage. 2007NPL coverage 193.03% 42.26%p. 20060.95% 0.59% 0.36%p. 076 KOOKMIN BANK ANNUAL REPORT 2007
1.2 1.0 0.8 0.6 0.4 0.2 1.03 0.74 NPL ( : ) 2007 2006 (a) (b) a-b 573.6 0.64% 637.9 0.74% (64.30) -0.1%p 282.0 0.59% 348.2 0.74% (66.20) -0.16%p 291.6 0.71% 289.7 0.74% 1.90-0.03%p 649.3 0.85% 825.7 1.43% (176.50) -0.58%p 575.4 1.05% 713.2 1.72% (137.90) -0.67%p 73.9 0.34% 112.5 0.69% (38.60) -0.35%p 90.6 0.80% 111.4 1.29% (20.70) -0.49%p 1,313.5 0.74% 1,575.0 1.03% (261.50) -0.29%p KB //.,, 0.1%p, 0.58%p, 0.49%p 0.29%p., 0.64%, 0.85%. 0.49%p 0.80%. KOOKMIN BANK ANNUAL REPORT 2007 077
( : ) 2007 2006 Coverage (a) Coverage (b) a-b 1,251.0 218.1% 1,267.0 198.6% -1.3% 19.5%p 655.2 232.3% 685.2 196.8% -4.4% 35.5%p 595.8 204.3% 581.8 200.8% 2.4% 3.5%p 1,029.6 158.6% 863.2 104.5% 19.3% 54.1%p 805.3 140.0% 678.5 95.1% 18.7% 44.9%p 224.3 303.4% 184.7 164.0% 21.4% 139.4%p 254.9 281.5% 244.3 219.3% 4.3% 62.2%p 2,535.5 193.0% 2,374.5 150.8% 6.8% 42.2%p 250 200 150 100 50 150.8 193.0 2 3,745 2 5,355. NPL coverage 193.0% 150.8% 42.2%p.., NPL coverage 54.1%p 158.6%, 218.1% 19.5%p. KB. ( : ) 2007 2006 (a) (b) (a-b) 607.4 0.68% 793.6 0.92% -23.5% (0.24%p) 243.9 0.51% 288.3 0.62% -15.4% (0.11%p) 363.5 0.88% 505.3 1.29% -28.1% (0.41%p) 299.7 0.41% 406.2 0.74% -26.2% (0.33%p) 297.4 0.56% 395.6 0.98% -24.8% (0.42%p) 2.3 0.01% 10.6 0.07% -78.3% (0.06%p) 115.9 1.11% 214.1 2.47% -45.9% (1.36%p) 1,023.0 0.59% 1,413.9 0.95% -27.6% (0.36%P). KB. 2006 0.95% 0.36%p 0.59%., 0.68%, 0.41%, 1.11%. 1.0 0.8 0.6 0.4 0.2 0.95 0.59 078 KOOKMIN BANK ANNUAL REPORT 2007
2008 2007 2 7,738. KB,,. 2008, KB.,,,.,. KB.,,,. KOOKMIN BANK ANNUAL REPORT 2007 079
23-5 14 Tel: 6676-1000, 1114 Fax: 6674-2114 www.deloitteanjin.co.kr 2007 12 31 2006 12 31,,....... 2007 2006 12 31. 2008 3 3 080 KOOKMIN BANK ANNUAL REPORT 2007
7 2007 12 31 / 6 2006 12 31 (: ) 7 6 (6,544,754) (6,568,306) 2,287,607 2,725,644 (19) 189,463 151,406 (3,19) 4,067,684 3,691,256 (4,19) (30,777,359) (29,382,480) 5,013,286 2,589,719 13,870,764 15,113,898 11,042,998 10,939,331 850,311 739,532 (5,19) (171,549,993) (149,867,182) (6,7) (-)2,501,865 (-)2,360,867 178,858 138,338 1,665,800 1,247,109 1,710,427 1,256,747 10,435,991 8,667,740 1,622,013 1,270,314 152,009 16,587-500,000 152,049,279 131,579,881 20,638 30,948 28,695 19,209 6,186,180 7,499,208 1,968 1,968 (8) (2,298,743) (2,137,732) 3,951,893 3,855,268 1,636,783 1,702,001 16,367 2,298,743 15,535 2,137,732 (7,695,189) (7,250,781) (7) (-)114,132 (-)102,212 1,303,888 1,166,454 (18) 2,064,500 2,145,266 (2,25) 1,260,212 1,166,963 98,143 79,594 (22) 146,491 23,886 (18) 1,652,756 1,260,748 ( -) KOOKMIN BANK ANNUAL REPORT 2007 081
7 2007 12 31 / 6 2006 12 31 (: ) 7 6 753,523 962,250 (9) 337,307 371,312 (9) - 499 - - 169 330 (9) 192,501 176,190 218,866,038 195,206,481 (10,19) (138,858,691) (130,019,916) 47,950,172 50,113,689 73,290,876 70,326,526 17,617,643 9,579,701 (11,19) (50,250,481) (39,042,684) 814,128 165,086 506,378 462,479 5,916,630 7,053,755 8,118,704 6,378,858 34,960,688 25,140,672 66,047 34,894,641 158,166 24,982,506 (13,719,105) (11,088,924) (18) 2,630,128 2,357,841 (17,25) 4,413,729 3,876,420 114,416 87,556 179,281 114,630 111,723 99,325 281,084 151,479 494,487 141,042 (19) 54,797 54,515 363,757 171,024 (18) 1,824,727 1,148,033 (25) 1,427,154 1,281,185 (12) 703,261 536,347 471,882 231,379 334,979 201,368 (13) 36,512 18,772 (14,18) 745,768 776,661 (15,22) 810,163 609,073 202,828,277 180,151,524 082 KOOKMIN BANK ANNUAL REPORT 2007
(: ) 7 6 (16) (1,681,896) (1,681,896) 1,681,896 1,681,896 (6,258,297) (6,258,297) 5,655,840 5,655,840 602,457 602,457 (4) (356,412) (899,542) 365,330 883,556 42 98 13,709 22,039 (-)22,669 (-)6,151 (7,741,156) (6,215,222) 1,078,393 830,309 3,909,225 2,914,325 2,753,538 2,470,588 16,037,761 15,054,957 218,866,038 195,206,481 KOOKMIN BANK ANNUAL REPORT 2007 083
7 2007 1 1 2007 12 31 / 6 2006 1 1 2006 12 31 (: ) 7 6 21,281,826 19,618,874 (20) (13,636,616) (12,062,888) 13,007 27,973 1,440,186 1,350,320 12,146,901 10,652,569 (6) 36,522 32,026 (938,924) (334,111) 3,570 14,113 95,174 53,230 808,396 182,325 (4) 31,784 84,443 (27,112) (36,311) (5) 27,112 36,311 (533,862) (245,067) 533,862 245,067 (1,571,103) (1,341,814) (25) 1,279,677 1,028,481 15,850 11,907 153,876 129,615 121,700 171,811 (93,406) (97,141) (25) 93,406 97,141 (10,956) (7,492) 1,503 2,858 9,453 4,634 (4,469,847) (5,494,050) 2,922,375 4,419,007 (18) 1,262,897 935,487 (10,11,18) 212,295 35,828 487 1 71,602 103,681 191 46 17,048,440 16,413,891 (20) (6,674,934) (5,284,480) 084 KOOKMIN BANK ANNUAL REPORT 2007
7 6 4,144,124 3,433,480 2,449,474 1,796,009 (25) 81,336 54,991 (240,217) (194,824) 50,745 7,191 88,785 48,084 24,977 15,283 (4) 75,710 124,266 (542,507) (1,026,720) (7) 533,952 1,009,498 (5) 8,555 17,222 (309,848) (295,880) 309,848 295,880 (593,123) (464,400) 242,234 210,359 350,889 254,041 (21) (3,693,254) (3,225,155) (17) 1,620,826 1,433,569 (12) 191,064 165,533 8,735 13,041 518,982 473,416 124,179 90,770 (8) 314,006 222,382 (9) 108,720 101,991 141,730 128,619 113,579 118,866 159,843 137,579 391,590 339,389 (4,994,557) (5,922,432) 2,785,890 4,080,808 (18) 1,548,944 1,015,822 (10,11,18) 4,061 31,517 18,125 8,932 144,555 360,814 ( -) (: ) KOOKMIN BANK ANNUAL REPORT 2007 085
7 2007 1 1 2007 12 31 / 6 2006 1 1 2006 12 31 (: ) 7 6 268,435 206,392 224,547 218,147 4,233,386 3,204,983 444,899 366,293 (4) 100,064 111,407 161,145 1,764 10,504 10,470 (8) 109 841 3,253 3,338 169,824 238,473 148,415 163,681 (4) 364 2,813 783-1,598 2,686 (8) 3,094 5,580 142,576 152,602 4,529,870 3,407,595 (22) 1,756,027 935,484 (24) 2,773,843 2,472,111 (23) 8,246 7,349 8,228 7,349 086 KOOKMIN BANK ANNUAL REPORT 2007
7 2007 1 1 2007 12 31 / 2008 03 20 6 2006 1 1 2006 12 31 / 2007 03 23 (: ) 7 6 2,753,538 2,470,588 95 59 (-)20,400 (-)1,582 2,773,843 2,472,111 2,753,505 2,470,493 (16) 277,400 247,300 1,651,500 994,900 (16) 824,129 1,227,784 ( ( )) 2,450 (49.0%) 3,650 (73.0%) 476 509 33 95 KOOKMIN BANK ANNUAL REPORT 2007 087
7 2007 1 1 2007 12 31 / 6 2006 1 1 2006 12 31 (: ) 2006 1 1 1,681,896 6,254,786 (-)5,772 512,742 3,929,948 12,373,600 - - - - (-)184,889 (-)184,889 3,745,059 12,188,711 - - - - 2,472,111 2,472,111 - - - 372,188-372,188 - - - (-)328 - (-)328 - - - 14,940 (-)1,582 13,358 - - (-)3,888 - - (-)3,888-3,511 9,660 - - 13,171 - - - - (-)366 (-)366 2006 12 31 ( ) 1,681,896 6,258,297-899,542 6,215,222 15,054,957 2007 1 1 1,681,896 6,258,297-899,542 6,215,222 15,054,957 - - - - (-)1,227,784 (-)1,227,784 4,987,438 13,827,173 - - - - 2,773,843 2,773,843 - - - (-)518,226 - (-)518,226 - - - (-)56 - (-)56 - - - (-)24,848 (-)20,400 (-)45,248 - - - - 275 275 2007 12 31 ( ) 1,681,896 6,258,297-356,412 7,741,156 16,037,761 088 KOOKMIN BANK ANNUAL REPORT 2007
7 2007 1 1 2007 12 31 / 6 2006 1 1 2006 12 31 (: ) 7 6 (-)18,846,604 (-)10,846,651 2,773,843 2,472,111 3,385,065 3,310,911 50,745 7,191 75,710 124,266 364 2,813 783-67,466 39,366 533,952 1,009,498 314,006 222,382 108,720 101,991 1,598 2,686 3,094 5,580 24-1,548,944 1,015,822 4,061 31,517 () 2,516 13,232 191,064 165,533 18,125 8,932 44,193 26,828 () 274,299 172,280 144,555 360,814 846 180 1,974,848 1,593,820 3,570 14,113 31,784 84,443 100,064 111,407 161,145 1,764 30,753 241,574 10,504 10,470 109 841 2-487 1 1,262,897 935,487 ( -) KOOKMIN BANK ANNUAL REPORT 2007 089
7 2007 1 1 2007 12 31 / 6 2006 1 1 2006 12 31 (: ) 7 6 212,295 35,828 71,602 103,681 51,126 45,206 38,510 9,005 (-)23,030,664 (-)15,035,853 () (-)2,464,946 972,462 776,303 1,308,351 (-)83,935 (-)704,763 (-)22,155,347 (-)15,383,155 () 80,770 (-)1,706,151 (-)93,249 (-)168,609 (-)12,496 (-)96,431 () (-)129,075 322,584 () (-)1,361 30,161 () (-)19,725 568 272,287 1,523,331 () 534,793 (-)92,635 26,860 7,904 64,651 31,368 (-)24,160 (-)16,664 (-)136,903 (-)98,450 129,605 40,497 () 192,733 (-)101,814 () 12,531 (-)904,407 (-)1,107,462 (-)1,690,621 595,064 173,013 231,946 27,013 20,176 23,708 75-308 26 133,832 122,266 208,727-1,702,526 1,863,634 730,504 1,037,901 090 KOOKMIN BANK ANNUAL REPORT 2007
(: ) 7 6 128,088 47,626 489,909 364,345 80,843 45,164 273,182 126,781-241,817 19,200,010 12,200,260 33,560,898 24,616,783-1,853,217 2,965,776-8,037,942 4,190,158 1,739,846 681,919-669,447 649,042-43,899 165,757 19,612,299 16,808,084 145,969 221,716 282 15,870 353,445-12,398 - - 10,615 14,360,888 12,416,523 2,163,517 - - 2,308,477 1,137,125 - - 1,095,333 9,832,462 8,419,938-10,129-397,757 1,227,784 184,889 (I+II+III) (-)754,056 (-)337,012 3,287,819 3,624,831 (29) 2,533,763 3,287,819 KOOKMIN BANK ANNUAL REPORT 2007 091
7( ) 2007 1 1 2007 12 31 6( ) 2006 1 1 2006 12 31 1. () 1963, 1995 1 5. 1998 12 31, 1999 8 22,, 1998 (P&A) 1998 6 29., 2001 10 31, 2003 9 30. 1994 9, 2001 11 9., 2000 10 3 (ADS: American Depositary Shares) (New York Stock Exchange), 2001 11 1., 1,681,896.,,, 1,205 (365 260 ) 4 ( 2 3 ). 2.,. (1),.,,. 602,835527,528 () 4,917,003 6,052,684. (2),,,,,.,., 2,,.,,,. (3) 1), ( ).,.,,. 2), ( )., 092 KOOKMIN BANK ANNUAL REPORT 2007
.,,.,., ( ),.,,.,,. 3),.,,.,.,,,.,,.,. 5).,,.,. 4) ( 100 15 ) 6). KOOKMIN BANK ANNUAL REPORT 2007 093
,,., (). (4),, ( ),.,. (5),,,, 5. (FLC: Forward Looking Criteria).,,.,,.,,, 2. 17(AAA, AA+, AA, A, BBB+, BBB, BBB-, BB+, BB, BB-, B+, B, B-, CCC, CC, C, D) AAA B, B- CCC, CC, C, D. 0.85%( 0.90%), 7 %, 20%, 50% 100%.,,,,.,, 1%, 10%, 20%, 55% 100%, 1.5%, 15%, 20%, 60% 100%.,., ().., 1,250, 67 252 1,138.. 094 KOOKMIN BANK ANNUAL REPORT 2007
.. () () DCF & Migration Migration Analysis 1 5 Migration Analysis 1 5 Roll-rate Analysis 1 5,,,,. (6), 3,,.. (7),.. (9),. (10) ( ),.. 40 4~5 4~5 (11) (,, ), (,, ).. 9 5~20 3~30 (8),,,. KOOKMIN BANK ANNUAL REPORT 2007 095
(12),., 1.,. (13),,... (14). (15).., 3. (16) 1 1.., ( ),. (17) 53-70,.,,.,,,. (18). 2005 8 23 ( )., 22 ( ) 39-35,. (19) ( ), (),. 096 KOOKMIN BANK ANNUAL REPORT 2007
(20).,,.,. (21),.,,... (22) ( )., ( ) 1 938.20 929.60.,,. (23),,,,.,. (24) 92. 1 ( ) 20 ( )( 11 14 ), 11 () 21 ( I) 25 () 2007 1 1., 21 ( I) 24 ( II( )),,. - - - - - - - - - - - - - - - - - - - - - - - - - -,,, KOOKMIN BANK ANNUAL REPORT 2007 097
., 16 ( ).,. (: ) 20,410,477 21,281,826 871,349 16,926,406 17,048,440 122,034 3,484,071 4,233,386 749,315 1,312,410 444,899 (-)867,511 752,706 148,415 (-)604,291 4,043,775 4,529,870 486,095 (22 ) 1,269,932 1,756,027 486,095 2,773,843 2,773,843 - (: ) 8,246 8,246 - (: ) 8,228 8,228 - (*)., 16 (), 21 24,.. (: ) 19,308,604 19,618,874 310,270 16,236,889 16,413,891 177,002 3,071,715 3,204,983 133,268 689,085 366,293 (-)322,792 336,714 163,681 (-)173,033 3,424,086 3,407,595 (-)16,491 (22 ) 951,975 935,484 (-)16,491 2,472,111 2,472,111 - (: ) 7,349 7,349 - (: ) 7,349 7,349 - (*).,,,. 098 KOOKMIN BANK ANNUAL REPORT 2007
, 22 () 23 (). 3. (1). (: ) (%) - 3,897,542 3,195,224 0.00 ~ 0.10 3,693 9,377-3,920 6,006 3,905,155 3,210,607-88,361 75,026 Wachobia Bank, NA. 0.00 ~ 5.43 74,168 87,235 Qingdao International Bank - - 318,388 162,529 480,649 4,067,684 3,691,256 (2). (: ) 3,897,542 3,195,224-4,029 KP Escrow 113 475 Escrow 101 101 Escrow KB 2,804 4,492 250 250 88,361 75,026 JP Morgan Futures Inc. 14,501 890 ICBC NANFANG SUB-BR 7,319-4,010,991 3,280,487 KOOKMIN BANK ANNUAL REPORT 2007 099
(3). (: ) 3,897,542 88,361 3,985,903 3,195,224 75,026 3,270,250 3,693 72,556 76,249 9,377 404,733 414,110 3,920 1,612 5,532 6,006 890 6,896 3,905,155 162,529 4,067,684 3,210,607 480,649 3,691,256 (4). (: ) 3 3 ~ 6 6 ~ 1 1 ~ 3 3 3,905,054-101 - - 3,905,155 162,529 - - - - 162,529 4,067,583-101 - - 4,067,684 3 3 ~ 6 6 ~ 1 1 ~ 3 3 3,206,002 4,029 475 101-3,210,607 429,521 51,128 - - - 480,649 3,635,523 55,157 475 101-3,691,256 100 KOOKMIN BANK ANNUAL REPORT 2007
4. (1). (: ) (*) - 58,771-58,224 192,563 199,332-200,355 882,707 861,787 864,265 858,293 3,686,754 3,673,300 3,677,731 3,638,082 260,565 259,674 259,222 257,193 1,146 1,133 1,141 1,139 5,023,735 5,053,997 4,802,359 5,013,286-955,361-1,165,443-24,159-24,153 101,361 101,268-102,673 3,894,299 3,815,903 3,830,706 3,755,700 7,367,361 7,346,992 7,351,026 7,259,328 1,235,413 1,195,948 1,177,706 1,167,059 728,260 688,102 320,392 363,127 33,379 24,239-33,281 13,360,073 14,151,972 12,679,830 13,870,764 6,747,919 6,575,112 6,611,911 6,611,911 1,758,146 1,756,205 1,756,315 1,756,315 2,409,986 2,410,960 2,403,786 2,403,786 271,000 270,943 270,986 270,986 11,187,051 11,013,220 11,042,998 11,042,998 KOOKMIN BANK ANNUAL REPORT 2007 101
(*) - 55,871-57,196 100,285 100,737-103,488 387,598 375,518 369,206 376,597 1,961,888 1,953,158 1,955,278 1,951,106 101,311 100,947 101,705 101,332 2,551,082 2,586,231 2,426,189 2,589,719-1,337,214-1,975,847-510 - 3,840 601,394 601,194-608,242 3,130,037 3,117,853 3,120,855 3,105,038 7,830,928 7,767,030 7,793,953 7,782,194 1,000,411 965,657 950,345 950,200 991,092 927,660 672,357 671,827 18,412 8,843-16,710 13,572,274 14,725,961 12,537,510 15,113,898 6,708,303 6,633,496 6,644,907 6,644,907 2,208,000 2,208,271 2,208,185 2,208,185 1,879,779 1,887,352 1,881,270 1,881,270 205,000 204,906 204,969 204,969 11,001,082 10,934,025 10,939,331 10,939,331 (*).. 21 3. DCF(Discounted Cash Flow Model), IMV(Imputed Market Value Model), FCFE(Discounted Free Cash Flow to Equity Model),, 1. 102 KOOKMIN BANK ANNUAL REPORT 2007
(2). (: ) ( ) 33,896 58,848 23,650-15,667 15,667 7,479 7,479 6,248 6,248 Tianjin Samsung Opto_Electronics 916 908 CLS 871 5,128 835 835 ( ) 791 791 6,623 15,549 96,976 111,453,. (: ) 7,341-16,953 83,485 2 23,650 1 - - - - 958 68,367 8,134 107,312-75,710 31,784 124,266 84,443 KOOKMIN BANK ANNUAL REPORT 2007 103
(3),,. (: ) - 468 468 145,015-145,015 110,035-110,035 255,050-255,050 CDO - 17,412 17,412 16,000-16,000 271,050 17,880 288,930-24,121 24,121 378,840-378,840 19,931-19,931 20,115-20,115 110,236-110,236 529,122-529,122 CDO - 9,290 9,290 20,000-20,000 549,122 33,411 582,533 104 KOOKMIN BANK ANNUAL REPORT 2007
(4). (: ) 43,474 90,874 1,955 115,929 77,085 359,282 1,065 27,943-10,000 6,076 48,091 22,629 59,878 152,284 711,997 138 2,504 152,146 709,493 (5). (: ) (%) (%) 1,089,568 21.73 479,367 18.51 3,874,691 77.29 2,063,151 79.67 49,027 0.98 47,201 1.82 5,013,286 100.00 2,589,719 100.00 4,227,736 30.48 3,662,749 24.24 8,420,589 60.71 10,413,843 68.90 1,222,439 8.81 1,037,306 6.86 13,870,764 100.00 15,113,898 100.00 8,715,996 78.93 8,406,232 76.84 2,257,301 20.44 2,503,154 22.88 69,701 0.63 29,945 0.28 11,042,998 100.00 10,939,331 100.00 KOOKMIN BANK ANNUAL REPORT 2007 105
(6). (: ) (%) (%) 58,224 1.16 57,196 2.21 4,719,666 94.14 2,328,953 89.93 35,041 0.70 100,082 3.86 200,355 4.00 103,488 4.00 5,013,286 100.00 2,589,719 100.00 1,165,443 8.40 1,975,847 13.07 11,478,627 82.75 11,215,054 74.20 602,988 4.35 579,663 3.84 463,131 3.34 690,028 4.57 468 0.00 24,121 0.16 102,673 0.74 608,242 4.02 57,434 0.42 20,943 0.14 13,870,764 100.00 15,113,898 100.00 10,954,917 99.20 10,879,331 99.45 88,081 0.80 60,000 0.55 11,042,998 100.00 10,939,331 100.00 106 KOOKMIN BANK ANNUAL REPORT 2007
(7). (: ) (%) (%) 5,013,286 100.00 2,589,719 100.00 13,666,140 98.52 15,019,533 99.38 96,463 0.70 27,794 0.18 26,842 0.20 9,685 0.07 22,022 0.16 4,605 0.03 17,631 0.13 - - 17,004 0.12 33,573 0.22 8,802 0.06 - - 8,030 0.06 9,290 0.06 4,079 0.03 1,583 0.01 1,912 0.01 1,894 0.01 1,839 0.01 5,941 0.04 13,870,764 100.00 15,113,898 100.00 11,014,917 99.75 10,939,331 100.00 28,081 0.25 - - 11,042,998 100.00 10,939,331 100.00 KOOKMIN BANK ANNUAL REPORT 2007 107
(8). (: ) 1 1 ~ 5 5 ~ 10 10 3,388,686 8,981,074 213,651 97,757 12,681,168 1,679,184 6,704,311 2,630,804 28,699 11,042,998 1,671,746 6,505,130 2,477,642 25,639 10,680,157 1 1 ~ 5 5 ~ 10 10 5,150,081 7,685,231 261,419 37,480 13,134,211 3,211,790 5,276,939 2,450,602-10,939,331 3,207,704 5,229,016 2,440,235-10,876,955 (9) Visa Inc. Visa Group Visa USA, Visa Canada, Visa Europe Visa International Service Association (Visa AP, Visa LAC, Visa CEMEA), Visa 2007 10 Visa Inc. Visa Inc.., Visa (Membership Interest) Visa Inc.. Visa Inc. Visa International Service Association, Visa Inc. 1,995,930. 3., Visa Inc.. Visa Inc. 39,343. 108 KOOKMIN BANK ANNUAL REPORT 2007
(10) 1). (: ) () (%) KB( ) 8,951,293 99.99 155,384 104,735 104,735 KB( ) 3,999,200 99.98 19,996 30,117 30,117 ( )KB 799,960 99.99 8,001 21,059 16,707 KB ( ) 15,999,930 99.99 76,103 116,381 116,411 KB( ) 6,134,040 80.00 39,015 77,001 77,001 KB( ) 1,249,040 99.73 14,291 40,416 40,057 KB( ) 7,140,000 51.00 35,826 25,978 - ( ) (*1) 4,854,713 36.41 10,316 - - ( ) (*1) 1,999,910 99.99 23,994 - - ING( ) (*2) 1,162,200 14.90 75,818 140,914 140,914 (*2) 8,425,031 12.61 85,714 87,135 87,135 ( ) (*3) 180,000 9.00 4,500 2,836 2,836 548,958 646,572 615,913 KookminBank Singapore Ltd. (*1) 30,000,000 100.00 19,468-1,629 Kookmin Finance Asia Ltd.(HK) (*1) 700,000 100.00 7,489-228 KookminBank Int'l Ltd.(London) 20,000,000 100.00 36,884 60,966 60,966 KookminBank HongKong Ltd. 2,000,000 100.00 49,782 76,562 76,562 Sorak Financial Holdings PTE Ltd. 1,422,216 25.00 79,216 85,234 85,234 192,839 222,762 224,619 KB06-1 200 50.00 10,000 9,779 9,779 10,000 9,779 9,779 751,797 879,113 850,311 KOOKMIN BANK ANNUAL REPORT 2007 109
() (%) KB( ) 8,951,293 99.99 155,384 94,443 94,443 KB( ) 3,999,200 99.98 19,996 28,077 28,077 ( )KB 799,960 99.99 8,001 17,603 14,609 KB ( ) 15,999,930 99.99 76,103 99,539 99,544 KB( ) 6,134,040 80.00 39,015 65,271 65,271 KB( ) 1,249,040 99.73 14,291 35,314 34,735 KB( ) 3,060,000 51.00 15,426 16,271 - ( ) (*1) 4,854,713 36.41 10,316 - - ( ) (*1) 1,999,910 99.99 23,994 - - ING( ) 1,400,000 20.00 21,769 123,587 123,587 (*2) 4,486,305 12.61 45,126 45,589 45,589 ( ) (*3) 180,000 9.00 4,500 3,297 3,297 433,921 528,991 509,152 KookminBank Singapore Ltd. (*1) 30,000,000 100.00 18,173-1,614 Kookmin Finance Asia Ltd.(HK) (*1) 700,000 100.00 7,420-226 KookminBank Int'l Ltd.(London) 20,000,000 100.00 35,900 56,496 56,496 KookminBank HongKong Ltd. 2,000,000 100.00 49,326 72,130 72,130 Sorak Financial Holdings PTE Ltd. 1,422,216 25.00 73,947 87,299 87,299 184,766 215,925 217,765 IT (*4) 700 50.00 6,252 1,958 1,958 02-4(*4) 70 33.33 7,000 8,204 8,204 KB06-1 50 50.00 2,500 2,453 2,453 (*1),, KookminBank Singapore Ltd. Kookmin Finance Asia Ltd.. (*2). (*3). (*4). 15,752 12,615 12,615 634,439 757,531 739,532 110 KOOKMIN BANK ANNUAL REPORT 2007
2). (: ) () KB( ) 94,443 - (-)2,238-13,204 (-)674-104,735 KB( ) 28,077 - (-)1,200-3,240 - - 30,117 ( )KB (*1) 14,609 - (-)800-2,898 - - 16,707 KB ( ) 99,544 - (-)12,000-28,876 (-)9-116,411 KB( ) 65,271 - (-)6,134-17,789 75-77,001 KB( ) (*2) 34,735 - (-)187-5,509 - - 40,057 KB( ) (*1) (*3) - 20,400 - - - - (-)20,400 - ( ) (*3) - - - - - - - - ( ) (*3) - - - - - - - - ING( ) 123,587 27,914 - - 9,132 (-)19,719-140,914 45,589 40,588 (-)1,603-2,561 - - 87,135 ( ) 3,297 - - - (-)190 (-)271-2,836 509,152 88,902 (-)24,162-83,019 (-)20,598 (-)20,400 615,913 KookminBank Singapore Ltd. 1,614 - - 15 - - - 1,629 Kookmin Finance Asia Ltd.(HK) 226 - - 2 - - - 228 KookminBank Int'l Ltd.(London) 56,496 - - 1,547 3,002 (-)79-60,966 KookminBank HongKong Ltd. 72,130 - - 668 5,050 (-)1,286-76,562 Sorak Financial Holdings PTE Ltd. 87,299 - (-)3,251 6,057 6,540 (-)11,411-85,234 217,765 - (-)3,251 8,289 14,592 (-)12,776-224,619 IT 1,958 (-)1,958 - - - - - - 02-4 8,204 (-)7,083 (-)3,443-2,263 59 - - KB06-1 2,453 7,500 - - (-)174 - - 9,779 12,615 (-)1,541 (-)3,443-2,089 59-9,779 739,532 87,361 (-)30,856 8,289 99,700 (-)33,315 (-)20,400 850,311 KOOKMIN BANK ANNUAL REPORT 2007 111
() KB( ) 85,462 - (-)2,238-10,974 245-94,443 KB( ) 27,312 - (-)1,000-1,823 (-)58-28,077 ( )KB (*1) 15,582 - (-)2,399-1,426 - - 14,609 KB ( ) 81,068 - - - 18,337 139-99,544 KB( ) 52,485 - (-)6,134-18,909 11-65,271 KB( ) (*2) 27,837 - (-)624-7,522 - - 34,735 KB( ) (*1) (*3) - - - - - 1,582 (-)1,582 - ( ) (*3) - - - - - - - - ( ) (*3) - - - - - - - - ING( ) 77,529 - - - 31,308 14,750-123,587-45,126 (-)11-474 - - 45,589 ( ) - 4,500 - - (-)1,203 - - 3,297 367,275 49,626 (-)12,406-89,570 16,669 (-)1,582 509,152 KookminBank Singapore Ltd. 1,759 - - (-)145 - - - 1,614 Kookmin Finance Asia Ltd.(HK) 246 - - (-)20 - - - 226 KookminBank Int'l Ltd.(London) 50,523 - - 2,237 4,262 (-)526-56,496 KookminBank HongKong Ltd. 69,958 - - (-)5,760 8,044 (-)112-72,130 Sorak Financial Holdings PTE Ltd. 82,401 - (-)6,009 (-)438 7,065 4,280-87,299 204,887 - (-)6,009 (-)4,126 19,371 3,642-217,765 2 130 (-)93 - - (-)37 - - - 3 147 (-)117 - - (-)30 - - - IT 4,950 (-)1,496 - - (-)1,496 - - 1,958 02-4 12,128 (-)3,000 (-)2,129-1,263 (-)58-8,204 KB06-1 - 2,500 - - (-)47 - - 2,453 (*1). (: ) ( )KB () 1,390 914 KB( ) () 20,855 3,730 22,245 4,644 17,355 (-)2,206 (-)2,129 - (-)347 (-)58-12,615 589,517 47,420 (-)20,544 (-)4,126 108,594 20,253 (-)1,582 739,532 112 KOOKMIN BANK ANNUAL REPORT 2007
(*2) 2004 KB 1,128 5, 226 394 620. (*3),, KB 0. (: ) ( ) 4,148-4,148 ( ) 64,001-64,001 KB( ) 23,157 14,583 37,740 91,306 14,583 105,889 ( ) 4,148-4,148 ( ) 72,686-72,686 KB( ) 27,217 3,436 30,653 104,051 3,436 107,487 3). (: ) () KB( ) 107,867 3,126 22,217 13,204 KB( ) 126,143 96,020 15,184 3,241 ( )KB 49,116 28,056 79,125 4,257 KB ( ) 259,049 142,668 69,980 28,851 KB( ) 104,926 8,675 53,527 22,235 KB( ) 47,620 7,095 59,820 5,304 KB( ) 1,166,081 1,115,143 577,273 892 ( ) 81,921 145,924 194,071 9,129 ING( ) 12,127,088 11,181,360 3,444,537 42,064 692,375 1,102 24,259 20,319 ( ) 36,662 5,147 22,671 (-)2,418 KookminBank Int l Ltd.(London) 415,878 354,912 27,048 3,002 KookminBank HongKong Ltd. 397,041 320,479 33,146 5,601 Sorak Financial Holdings PTE Ltd. 5,426,808 5,085,873 639,013 26,724 KB06-1 19,561 3 175 (-)348 KOOKMIN BANK ANNUAL REPORT 2007 113
2007 12 31.,,, KB06-1., ING Sorak Financial Holdings PTE Ltd. 2007 11 30,.. () KB( ) 96,296 1,848 20,030 10,974 KB( ) 67,145 39,062 11,487 1,824 ( )KB 33,471 15,868 67,588 2,277 KB ( ) 206,392 106,853 66,122 18,424 KB( ) 92,220 10,631 44,826 23,636 KB( ) 43,938 8,529 71,532 7,329 KB( ) 700,438 668,535 409,302 4,187 ( ) 110,193 182,882 64,404 2,253 ING( ) 9,635,249 9,017,312 3,149,367 156,539 362,440 4,410 6,404 3,765 ( ) 42,826 6,193 13,963 (-)5,645 Kookmin Bank Int l Ltd.(London) 315,938 259,442 20,634 3,736 Kookmin Bank HongKong Ltd. 395,935 323,805 27,568 7,963 Sorak Financial Holdings PTE Ltd. 5,197,633 4,848,437 680,311 33,189 IT 1,986 28 - (-)1,496 02-4 24,852 240 5,459 3,790 KB06-1 5,067 162 67 (-)95 2006 12 31., ING Sorak Financial Holdings PTE Ltd. 2006 11 30,., IT,, ( ), KB06-1 2006 12 31.. 114 KOOKMIN BANK ANNUAL REPORT 2007
(11). (: ) () 846,123 157,634 (-)548,546 455,211 22,669 (-)109,321 (-)4,433 (-)91,085 4,010 (-)9,480 (-)899 (-)6,369 5,050 775 (-)4,807 1,018 5,704 851-6,555 883,556 40,459 (-)558,685 365,330 98 - (-)56 42 15,888 (-)23,384 (-)1,464 (-)8,960 899,542 17,075 (-)560,205 356,412 () 454,250 470,552 (-)78,679 846,123 32,614 (-)3,203 (-)6,742 22,669 5,867 1,671 (-)3,528 4,010 16,858 4,894 (-)16,702 5,050 1,779 3,925-5,704 511,368 477,839 (-)105,651 883,556 426 - (-)328 98 948 15,522 (-)582 15,888 512,742 493,361 (-)106,561 899,542 KOOKMIN BANK ANNUAL REPORT 2007 115
(12). (: ) 7,100,192 7,150,000 7,070,657 7,100,000 532,709 540,000 725,902 725,700 319,623 332,200 330,294 330,600 649,187 664,000 294,760 307,500 12 1,628 402 1,628 8,601,723 8,687,828 8,422,015 8,465,428 (13). 68,609 119,614-23,671 68,609 143,285 (: ) 5. (1). (: ) 34,401,542 27,161,083 1,287,720 697,235 376,219 286,724 786,364 612,305 6,656,691 4,297,074 43,508,536 33,054,421 () 116 KOOKMIN BANK ANNUAL REPORT 2007
(: ) 11,210,650 5,107,519 1,191,002 995,730 12,401,652 6,103,249 55,910,188 39,157,670 47,210,192 45,946,145 41,189,639 39,007,176 88,781 147,672 406,234 416,103 88,894,846 85,517,096 1,430,050 894,178 24,450 3,687 1,454,500 897,865 702 1,013 690 1,173 1,392 2,186 146,260,926 125,574,817 4,671,798 4,441,975 658,087 429,836 458,468 1,133,253 5,788,353 6,005,064 152,049,279 131,579,881 (2). (: ) (%) 6,238,814 4,037,145 10,275,959 6.76 49,671,375 1,553,023 51,224,398 33.69 88,896,238 54,302 88,950,540 58.50 1,454,499 143,883 1,598,382 1.05 146,260,926 5,788,353 152,049,279 100.00 KOOKMIN BANK ANNUAL REPORT 2007 117
(%) 2,783,921 3,795,539 6,579,460 5.00 36,373,749 758,998 37,132,747 28.22 85,519,282 46,069 85,565,351 65.03 897,865 1,404,458 2,302,323 1.75 125,574,817 6,005,064 131,579,881 100.00 (3). (: ) (%) 146,260,926 5,314,559 21,441,992 173,017,477 99.51-25,480-25,480 0.01-36,552-36,552 0.02-307,026 86 307,112 0.18-4,750 3 4,753 0.00-8,359 2,034 10,393 0.01-91,627 379,606 471,233 0.27 146,260,926 5,788,353 21,823,721 173,873,000 100.00 (%) 125,574,817 5,749,511 20,430,801 151,755,129 99.79-25,525 1 25,526 0.02-7,019-7,019 0.00-172,447 78 172,525 0.11-4,142 1 4,143 0.00-84 2,438 2,522 0.00-46,336 76,511 122,847 0.08 125,574,817 6,005,064 20,509,830 152,089,711 100.00 118 KOOKMIN BANK ANNUAL REPORT 2007
(4). (: ) (%) 1,578,760 588,884 2,500,193 4,667,837 2.69 14,627,954 2,138,794 4,668,057 21,434,805 12.33 24,477,777 1,855,042 1,616,239 27,949,058 16.07 16,470,984 1,144,938 3,789,517 21,405,439 12.31 88,896,238 54,302 8,962,915 97,913,455 56.31 209,213 6,393 286,800 502,406 0.29 146,260,926 5,788,353 21,823,721 173,873,000 100.00 (%) 622,860 1,181,085 2,727,468 4,531,413 2.98 11,148,580 1,624,177 4,371,916 17,144,673 11.27 16,337,444 920,649 1,799,334 19,057,427 12.53 11,779,703 2,226,334 3,728,378 17,734,415 11.66 85,519,282 46,069 7,504,999 93,070,350 61.20 166,948 6,750 377,735 551,433 0.36 125,574,817 6,005,064 20,509,830 152,089,711 100.00 (5). (: ) - 1,578,760 1,578,760 458,468 130,416 588,884 1,739,639 760,554 2,500,193 2,198,107 2,469,730 4,667,837 KOOKMIN BANK ANNUAL REPORT 2007 119
- 622,860 622,860 1,133,253 47,832 1,181,085 1,780,151 947,317 2,727,468 2,913,404 1,618,009 4,531,413 (6). (: ) 1,665,800 - - - - 1,665,800 1,682,026 17,315 10,050 407 629 1,710,427 10,193,580 152,011 734 46,861 42,805 10,435,991 (*) 1,768,121 3,073 144 1,223 5,350 28,695 149,645,597 1,246,799 508,281 432,921 215,685 152,049,279 20,638 - - - 20,638 673 1,368 20,742 562 5,350 28,695 6,178,619 2,961 2,720-1,880 6,186,180 - - - 1,968-1,968 171,155,050 1,423,527 542,671 483,942 267,810 173,873,000 1,247,109 - - - - 1,247,109 1,210,010 16,025 26,497 3,126 1,089 1,256,747 8,341,239 215,089 648 71,227 39,537 8,667,740 (*) 1,283,897 2,338 283 297 86 1,286,901 500,000 - - - - 500,000 128,711,695 1,484,362 667,689 474,730 241,405 131,579,881 30,948 - - - - 30,948 133 508 8,753 1,833 7,982 19,209 7,498,067-650 - 491 7,499,208 - - - 1,968-1,968 148,823,098 1,718,322 704,520 553,181 290,590 152,089,711 (*). 120 KOOKMIN BANK ANNUAL REPORT 2007
(7). (: ) 3 15,517,553 729,464 12,294,291 28,541,308 6 16,554,146 1,034,815 1,657,411 19,246,372 1 31,947,618 604,734 2,738,213 35,290,565 2 14,196,004 1,326,638 3,331,225 18,853,867 3 17,208,889 604,309 780,289 18,593,487 4 2,989,649 723,408 635,933 4,348,990 5 2,645,414 166,622 57,991 2,870,027 5 45,201,653 598,363 328,368 46,128,384 146,260,926 5,788,353 21,823,721 173,873,000 3 15,122,967 1,471,927 10,008,593 26,603,487 6 14,837,648 997,738 1,537,897 17,373,283 1 30,049,634 788,702 2,532,032 33,370,368 2 10,138,015 346,373 2,654,949 13,139,337 3 11,764,066 1,172,993 2,498,390 15,435,449 4 4,847,371 200,535 226,555 5,274,461 5 2,399,378 647,661 706,345 3,753,384 5 36,415,738 379,135 345,069 37,139,942 125,574,817 6,005,064 20,509,830 152,089,711 (8) 205,789 () 23,112, 173,846 8,468. 550,000 87, ( ) 4,000. (9) ( ) 542,603 253,591. (10). (: ) 138,338 84,713 44,193 178,858 KOOKMIN BANK ANNUAL REPORT 2007 121
6. (1),,. (: ) 129,543-12,691 5,094 111,758 1,071 - - - 1,071 130,614-12,691 5,094 112,829 6,178 - - - 6,178 236,287 301 4,083 25,374 206,529 894 - - - 894 243,359 301 4,083 25,374 213,601 (2). (: ) 6,586 1,034-570 464 9,885 1,275 558 1,083 750 51,161 6,867 9,117 12,825 3,159 22,312 2,837 28 1,457 1,408 89,944 12,013 9,703 15,935 5,781 9,336 2,035 1,034 2,035 1,034 13,143 2,238 1,689 2,652 1,275 111,064 11,371 11,206 15,710 6,867 32,470 4,371-1,534 2,837 166,013 20,015 13,929 21,931 12,013 122 KOOKMIN BANK ANNUAL REPORT 2007
,,. 7. (1). (: ) 14,470 1,447 4,676 203 629 21,425 (%) 0.86 8.36 46.53 50.00 100.00 1.25 152,904 22,802 147 28,116 42,805 246,774 (%) 1.50 15.00 20.00 60.00 100.00 2.36 (*) 15,137 229 29 750 1,461 17,606 (%) 0.86 7.45 20.00 61.30 100.00 0.99 1,416,806 128,737 106,704 273,135 215,685 2,141,067 (%) 0.95 10.33 20.99 63.09 100.00 1.41 1,484 - - - - 1,484 (%) 7.19 - - - - 7.19 6 96 9,297 281 5,350 15,030 (%) 0.89 7.00 44.82 50.00 100.00 52.38 53,873 214 544-1,880 56,511 (%) 0.87 7.24 20.00-100.00 0.91 - - - 1,968-1,968 (%) - - - 100.00-100.00 1,654,680 153,525 121,397 304,453 267,810 2,501,865 (%) 0.97 10.78 22.37 62.91 100.00 1.44 (*). KOOKMIN BANK ANNUAL REPORT 2007 123
8,470 1,653 12,677 2,977 1,089 26,866 (%) 0.70 10.32 47.84 95.25 100.00 2.14 129,619 32,263 130 42,736 39,537 244,285 (%) 1.55 15.00 20.06 60.00 100.00 2.82 (*) 8,987 259 57 182 86 9,571 (%) 0.70 11.08 20.14 61.28 100.00 0.74 1,146,535 169,033 143,955 307,982 241,405 2,008,910 (%) 0.89 11.39 21.56 64.88 100.00 1.52 2,910 - - - - 2,910 (%) 9.40 - - - - 9.40 1 36 4,096 1,124 7,982 13,239 (%) 0.75 7.09 46.80 61.32 100.00 68.92 52,486-161 - 491 53,138 (%) 0.70-24.77-100.00 0.71 - - - 1,948-1,948 (%) - - - 99.00-99.00 1,349,008 203,244 161,076 356,949 290,590 2,360,867 (%) 0.91 11.83 22.86 64.53 100.00 1.55 (*). 124 KOOKMIN BANK ANNUAL REPORT 2007
(2). (: ) (*1) 2,463,079 2,500,777 533,952 1,009,498 (*2) (-)174 304,954 530,637 474,278 763 5,897 (-)70,198 (-)115,222 (-)822,794 (-)1,693,468 (-)4,691 (-)4,582 (-)11,037 - (-)3,540 (-)19,053 (*1) 2,615,997 2,463,079 (*1) 5,781 12,013, 114,132 102,212. (*2) 16 3 159,888 145,066. (3). (: ) 6,250 7,425 2,745 4,847 94,221 87,122 4,631 2,597 () 6,285 221 114,132 102,212 (4) 3. (: ) (%) 2007-12-31 173,873,000 2,501,865 1.44 2006-12-31 152,089,711 2,360,867 1.55 2005-12-31 138,139,657 2,453,275 1.78 KOOKMIN BANK ANNUAL REPORT 2007 125
8. (1). (: ) 994,544-6,751 987,793 1,054,106 204,644 9,616 839,846 289,086 217,947-71,139 1,608,012 1,214,192-393,820 6,145 - - 6,145 3,951,893 1,636,783 16,367 2,298,743 984,270-7,115 977,155 986,420 181,228 8,420 796,772 233,156 177,676-55,480 1,648,763 1,343,097-305,666 2,659 - - 2,659 3,855,268 1,702,001 15,535 2,137,732 (2). (: ) () 977,155 16,548 2,617 7,399 - (-)1,154 26 987,793 796,772 12,334 58,056 1,717 22,987 (-)1,831 (-)781 839,846 55,480 314 60,796 294 45,174-17 71,139 305,666 335,758-1,816 245,845-57 393,820 2,659 124,955 (-)121,469 - - - - 6,145 2,137,732 489,909-11,226 314,006 (-)2,985 (-)681 2,298,743 126 KOOKMIN BANK ANNUAL REPORT 2007
() 979,413 3,349 2,873 8,151 - (-)290 (-)39 977,155 774,519 5,745 49,422 6,289 22,059 (-)4,449 (-)117 796,772 44,363 113 45,504 142 34,337 - (-)21 55,480 239,795 254,835-22,915 165,986 - (-)63 305,666 155 100,303 (-)97,799 - - - - 2,659 2,038,245 364,345-37,497 222,382 (-)4,739 (-)240 2,137,732 (3) 1,402,681 1,307,078. (4). (: ) 895,795 829,507 153,126 120,043 368,641 196,152 1,417,562 1,145,702 9. (1). (: ) 705,108 483,129 221,979 705,108 404,784 300,324 195,193 79,865 115,328 125,502 54,514 70,988 900,301 562,994 337,307 830,610 459,298 371,312 KOOKMIN BANK ANNUAL REPORT 2007 127
(2). (: ) 300,324-78,345 221,979 70,988 80,843 36,503 115,328 371,312 80,843 114,848 337,307 378,669-78,345 300,324 19,435 75,199 23,646 70,988 398,104 75,199 101,991 371,312 (3). (: ) - - - 18 12 6 - - - 481 157 324 - - - 499 169 330 (4). (: ) 100 410 21,261 18,608 (*) 16,089 14,883 25,672 27,303 128,780 114,684 599 302 192,501 176,190 (*) 10,299, 10,587 12,818. 128 KOOKMIN BANK ANNUAL REPORT 2007