2004 41
1 1 29 58 2 2 30 63 3 3 31 65 4 / 4 32 67 5 5 33 69 6 6 34 69 7 7 35 69 8 8 36 70 9 9 37 77 10 10 38 78 11 10 39 81 12 11 40 82 41 85 42 90 13 12 43 96 14 18 44 97 15 20 16 22 45 107 46 109 17 23 47 114 18 25 48 120 19 27 49 121 20 28 50 124 21 / 29 51 131 22 31 52 133 23 31 53 136 24 33 54 139 55 140 56 143 25 42 26 50 27 54 28 56
1 2 3 / 4 5 6 7 8 9 10 10 11
1,,, KB, KB 43,750 1797,272, 51,697 127105, KB,,, KB Needs, 2005 322
2
3 Vision Profitable Mass ROA : 12% : 15% : 175% Universal Banking
4 / 2001 11 1 ( ), 2001 11 9 2002 4 8 Moody s A3 2002 5 11 500 (Financial Times) 2002 6 19 2002 7 2, 2002 7 17 (Euromoney ) 2002 7 18 68 (The Banker ) 2002 8 30 200 2002 9 4 3 (The Banker ) 2002 9 22 2002 10 1 CI 2002 10 29, M&A (Finance Asia ) 2002 11 21 GOLD & WISEPB 2002 12 2 Lotto 6/45 2002 12 4 ING 2003 3 13 2003 5 26 ABS 2003 7 23 60, 73 (The Banker ) 2003 8 7 ISO17799/BS7799 2003 9 1 Bank On 2003 9 3 KB 2003 9 30 2003 12 16 Sorak Financial Holdings BII 2003 12 19 2004 1 15 2 2 IR Web Site (MZ Consult) 2004 6 2 KB 2004 7 28 4 (Euromoney ) 2004 9 15 2004 5, 1 (CLSA) 2004 10 8 Open 2004 11 1 KB
5 (2005 2 7 ) 15, 5, 1, 18, 72, 16 PB, 10, 15, 2, 22, 1,145
(20041231 ) 1,107 38 1,145 3 1 4 1,110 38 1 1,149 ) ( : ) 2004 2003 C D 884 1,253 A T M 8,227 8,037 - - (, ) 2,446 645 11,557 9,935 6 ( : ) 2004 2003 17 17 15-15 11 11 12-12 10,990 30 11,020 11,276 33 11,309 7,837 27 7,864 7,849 27 7,876 62 1 63 339 1 340 18,917 58 18,975 19,491 61 19,552 )
7 (2005318 ) Donald H Mackenzie LG
8 (20041231 ) ( :,, %) KB 199612 3 80,000 15,999,930 9999 1990 327 KB (19981231) 1988 427 KB (199212 8) 44,759 8,941,587 9989 38,338 6,134,040 8000 KB 1997 318 20,000 3,999,200 9998 KB 1991 9 6 8,000 799,800 9998 KB 199910 9 6,262 1,173,640 9371 KB 2004 429 30,000 6,000,000 10000 Kookmin Bank Hong Kong Limited Hong Kong 1995 720 USD202,000,000 10000 Kookmin Bank Int l Limited London 199111 2 GBP20 20,000,000 10000 ) 1 ( ) 2 20041130
(20041231 ) ( :,, %) 1991 9 9 ING (2000 111) 70,000 1,400,000 2000 1993 313 10,000 1,999,910 9999 1954 423 (1993 313) 66,675 4,854,713 3641 Sorak Financial Holdings Singapore BII 1990 530 SGD1181,422,216 2500 ) 1, 2 ( ) 9 ( : ) 011031 299,697,462 14,985 14,985 02 322 17,979,954 899 15,884 6% 021130 10,581,269 529 CB 16,413 03 101 8,120,431 406 16,819 0442983
10 (20041231 ) () (%) BANK OF NEW YORK, ADRS 47,503,730 1412% ( ) 29,881,209 888% EURO-PACIFIC GROWTH FUND 14,326,220 426% ING BANK NV, AMSTERDAM 13,650,001 406% 8,830,046 263% NTC-GOV SPORE 6,719,195 200% EMERGING MARKETS GROWTH 6,316,095 188% TEMPLETON GROWTH FUND 4,199,993 125% TEMPLETON FOREIGN FUND 4,192,950 125% NTC/BONY/SSB-MONETR SG 3,701,100 110% GIS-PRUDENTIAL ASSURANCE LTD 3,658,695 109% ) Bank of New YorkADR 11 (20041231 ) (%) (%) 33 003 907,880 027 46 005 1,288,852 038 368 038 19,940,601 593 42 004 30,408,966 904 2 000 3,015 000 220 023 3,085,336 092 16 002 32,991 001 93,719 9777 22,304,117 663 1,404 146 256,462,617 7624 4 000 1,944,741 058 95,854 10000 336,379,116 10000 1 2
(20041231 ) (%) (%) 1 1,368 142 314,028,764 9335 5-1 423 044 2,931,184 087 1-5 5,004 522 8,810,261 261 5-1 5,733 598 3,767,779 112 1-5 25,932 2705 5,383,696 160 5-1 12,242 1277 808,091 024 1-5 24,209 2525 573,151 017 1 20,943 2187 76,190 002 95,854 10000 336,379,116 10000 12 2004 2003 11% 550 1,812 2,854 3036%
12 18 20 22
13 ( :, %, %P) 2004 2003 (A) 43,155 7,668 35,487 ( B ) 34,589 21,870 12,719 30,683 14,312 16,371 2-2 1,246 1,098 148 2,658 6,460 (3,802) ( C ) 419 334 85 - - - - 12 (12) 419 322 97 ( D) 3,433 (4,564) 7,997 (A-B+C-D) 5,552 (9,304) 14,856 (ROA) 030 052 082 (ROE) 621 964 1585 (A-B) 431 384 047 (A) 761 752 009 (B) 330 368 (038) (NIM) 362 330 032 ) 2003
( :, %, %P) 2004 2003 1,363,178 1,407,686 44,508 35,951 50,533 14,582 264 359 095 32,072 42,023 9,951 235 299 064 (A/B) 8762 7336 1426 (A) 31,501 37,070 5,569 (B) 35,951 50,533 14,582 359 264 299 235 2003 2004 2003 2004
( : ) 2004 2003 23 18 05 72 75 3 72 74 2 1 68 67 1 66 66 - ( ) 18,956 18,578 378 1,239 1,196 43 1,226 1,188 38 1 1,165 1,076 89 1,139 1,052 87 ( ) 1,106 1,163 56 1 B/S ( : ) 2004 2003 16,819 16,819-62,307 62,307-20,417 14,851 5,556 8,497 11,602 3,105 91,046 82,375 8,671 2 BIS ( :, %, %P) 2004 2003 BIS ( A ) 134,823 124,995 9,828 ( B ) 1,210,791 1,273,702 62,911 1,199,367 1,262,140 62,773 11,424 11,562 138 BIS (A/B) 1114 981 133 689 603 086 425 378 047 - - -
3 / ( :, %, %P) 2004 2003 ( A ) 1,804,385 1,845,173 40,788 ( B ) 93,547 70,753 22,794 (B/A) 518 383 135-1 10% 4 BIS, ( : %, %P) 2004 2003 10787 10021 766 9063 9911 848 2087% 2301% 214
( : ) 2004 2003 1,269,868 1,283,146 13,278 1,266,648 1,278,248 11,600 3,619 4,898 1,279 351,849 365,856 14,007 275,987 269,084 6,903 75,862 96,772 20,910 1,363,178 1,407,686 44,508 1,360,234 1,405,315 45,081 2,944 2,371 573 1,340,493 1,424,587 84,094 1,207,205 1,321,803 114,598 70,288 102,784 32,496 1,994,637 2,148,716 154,079 1,797,272 1,841,022 43,750 201,660 323,373 121,713 ( ) 4,295 15,679 11,384 26,332 30,196 3,864 ) 1 : + + + + + + 2 :, CP,, 3 : 4 : + ( )+ 5 : + - 6 :
3 Moody's S & P Fitch 2001 514 Baa3 P3 BB+ B BBB C - - 2001 118 Baa2 P3 BB+ B BBB C - - 2002 117 Baa2 P3 BBB- A3 BBB C - - 2002 4 8 A3 P2 BBB- A3 BBB C - - 2002 5 2 A3 P2 BBB A2 BBB C - - 2002 911 A3 P2 BBB A2 A- B/C - - 2002 925 A3 P2 BBB+ A2 A- B/C - - ) 1 2001118 () 2 Moody s,
14 ( ) 4: 20041231 ( : ) 4 4 5,177,758 127,010,534 27,598,737 9,634,296 136,034,323 21,867,820 2,633,218 12,109,893 8,283,148 170,622,543 1,681,896 6,230,738 2,041,691 (849,684) 9,104,641 179,727,184 179,727,184 ( ) 4: 200411 1231 ( : ) 4 4 20,879,860 2,089,168 1 11,440,833 311,552 2 2,186,741 1,502,122 3 7,252,286 898,598 18,790,692 898,598 1 5,411,102 343,348 2 452,174 310,168,902 4 2,758,514 555,250
( ) 4: 20041231 ( : ) 4 4 794,220 7,028,835 7,586,618 12,534,329 361,906-100,000 546,876 10,679,316 56,005 120,767 140,941 429,469 ( ) - ( ) (47,192) 20,166,045 20,166,045 ( ) 4: 200411 1231 ( : ) 4 4 34,629 403,745 356,171 1,361,411 33,250-2,524 1,641 1,268,694 4,999 1,220 95,773 121,625 6,692 769 793 34,575 102,148 9,503 9,381 99,698 3 18,842 2,472 1,985,279 1,985,279
15 ( :, %) 2004 2003 1,180,178 6565 38,818 329 1,170,458 6623 43,178 369 C D 61,082 340 2,478 406 40,683 230 1,812 445 30,539 170 1,048 343 36,259 205 1,412 389 11,176 062 397 355 13,156 074 517 393 233,764 1300 13,105 561 233,114 1319 13,767 591 1,516,739 8437 55,846 368 1,493,670 8452 60,686 406 17,774 27,963 1,458 8,247 404 099 156 008 046 002 109 261 21 188-061 093 144 228-12,770 34,629 1,506 7,738 265 072 196 009 044 001 107 349 16 163-084 101 107 211-55,846 311 579 104 56,908 322 635 112 1,572,585 8748 56,425 359 1,550,578 8774 61,321 395 92,845 4,591 127,731 516 026 710 - - - - - - 120,531 984 95,093 682 006 538 225,167 1252 - - 216,608 1226 - - 1,797,752 10000 56,425 314 1,767,186 10000 61,321 347 1,846 239,307 1,255,047 010 1331 6981 15 12,366 83,274 081 517 664 1,654 300,699 1,217,253 009 1702 6888 23 19,870 88,406 139 726 710 ( ) 831,503 4625 57,514 692 776,061 4392 57,751 744 ( ) 423,544 2356 25,760 608 441,157 2496 28,611 649 712 004 14 197 965 005 56 580 16,618 092 629 379 6,860 039 269 392 13,225 074 870 658 12,876 073 1,321 1026 95,813 533 10,376 1083 66,990 379 6,997 1044 () 22,472 125 3,771 1678 18,452 104 2,618 1419 1,728 010 1,199 6939 2,988 017 1,100 3681 ( ) (38,449) (214) - - (18,240) (103) - - 1,585,847 8821 108,743 686 1,592,045 9009 117,952 741 6,325 12,081 26,753 1,146 19,046 48 ( ) (945) 035 067 149 006 106 000 (005) 85 468 967 19 358 15-134 387 361 166 188 3125-6,129 12,695 27,851 848 19,834 123 (1,321) 035 072 158 005 112 001 (007) - - - 82 665 867 11 363 17 - - - - 133 524 311 128 183 1413-64,454 359 1,912 297 66,159 374 2,005 303 1,650,301 918 110,655 671 1,658,204 9383 119,957 723 9,659 054 - - 9,688 055 - - 30,846 172 - - 32,105 182 - - 106,946 595 - - 67,189 380 - - 147,451 820 - - 108,982 617 - - 1,797,752 10000 110,655 616 1,767,186 10000 119,957 679 ) 1,, 2,,, 3
( :, %) 2004 2003 77,014 3142 524 130,648 3419 475 - - - 130 003 422 77,014 3142 524 130,778 3422 475 162,974 6649 835 245,127 6415 623 560 023-456 012-4,571 186-5,742 151-168,105 6858 810 251,325 6578 608 245,119 10000 720 382,103 10000 562 4,291 176 775 5,315 139 969 78,373 3197 454 128,829 3372 567 701 029 360 - - - 162,011 6609 820 248,403 6501 567 ( ) (1,438) (059) - (1,586) (042) - ( ) (7) - - (15) - - 243,931 9951 705 380,946 9970 575 1,188 048-1,157 030-245,119 10000 702 382,103 10000 573 ) (2004 ) ( : %) 1 2 3 4 5 6 7 8 9 101112 ( ) -308 354-430 445 323 437 421-484 329 304-1791 1226-2577 1289-1364 317 514 428 442 255 350 1034 708 999 552 508 240 251 354 837 419 703 460 531 454 287 342 809 444 431 431 579 458 307 369 884 455 893 479 600 482 326 465 896 2084 657 483 585 479 420 913 927 555 416 519 510 484 384 514 948 925 474 603 507 490 399 419 1287 1432 854 858 808 519 404 424 1616 1598 1206 645 1957 621 393 422 756 722 663
16 ( : ) 2004 2003 110,079 114,166 4,087 100 104 4 10,459 14,973 4,514 99,030 98,623 407 490 466 24 54,112 59,029 4,917 39,092 42,803 3,711 3,266 4,107 841 11,161 11,432 271 593 687 94 55,967 55,137 830 26,195 18,450 7,745 4,522 2,704 1,818 21,673 15,746 5,927 1,179 2,476 1,297 1 2 1 ( ) - - - 1,180 2,478 1,298 71,345 20,613 50,732 5,760 1,974 3,786 2,570 2,875 305-12 12 63,015 15,752 47,263 101,688 42,076 59,615 698 473 225 3,054 2,001 1,053 2-2 1,799 1,781 18 65,453 23,509 41,944 30,682 14,312 16,370 30,343 21,463 8,883 48,474 51,898 3,424 27,585 27,041 544 20,892 24,857 3,965 3,115 9,590 6,475 15,022 48,315 33,293 8,985 13,868 22,853 - - - - - - 8,985 13,868 22,853 3,433 4,564 7,997 5,552 9,304 14,856 ) 1 2003 2 (2004 4,328 )
23 25 27 28 / 29 31 31 33
17 ( :, %) 2004 2003 51,778 288 65,263 354 275,987 1536 269,084 1462 1,360,343 7569 1,411,391 7666 ( ) (31,187) (175) (39,100) (211) 489 004 86 (001) 1,227,219 6828 1,237,152 6720 38,608 215 40,200 218 271 002 374 002 5,748 032 5,333 029 321 002 897 005 76,440 425 116,652 634 - - 15,000 081 30,068 167 16,454 089 12,038 067 17,871 097 330 002 472 003 26,332 147 30,196 164 1,797,272 10000 1,841,022 10000 1,270,105 7067 1,321,803 7180 1,206,646 6714 1,242,056 6747 14,341 080 14,754 080 C D 49,119 273 64,993 353 96,343 536 109,028 592 29,452 164 33,544 180 25,403 141 33,230 181 34,494 192 36,232 197 420 002 442 002 20-126 001 6,554 036 5,455 030 - - - - 218,678 1217 191,926 1042 1,706,226 9493 1,758,647 9553 16,819 094 16,819 091 62,307 347 62,307 338 20,417 114 14,851 081 91,046 507 82,375 447 1,797,272 10000 1,841,022 10000 ) 1 2 2003 82,832 461 65,088 354 121,100 674 135,890 738 (8,497) (047) (11,602) (063)
1,409 070 2,555 079 5,469 271 5,490 170 ( :, %) 2004 2003 7,942 394 2,562 079 75,866 3762 96,772 2993 3,619 179 4,898 151 1,000 050 - - 106,793 5296 202,286 6255 1,208 060 27 001 ( ) (472) (023) (1,398) (043) ( ) - - (8) - 4,295 213 15,679 485 201,660 10000 323,373 10000 70,288 3485 102,784 3179 125,343 6216 214,538 6634 - - - - - - - - 560 028 561 017 201,660 10000 323,373 10000 ) ( )
18 2004 2003 ( :, %) 1,227,219 9665 1,254,962 9653 1,237,152 9642 1,217,055 9621 38,608 304 40,112 309 40,199 313 41,602 329 321 003 738 006 897 007 1,071 008 1,266,148 9972 1,295,812 9968 1,278,248 9962 1,259,728 9958 3,619 028 4,291 032 4,898 038 5,315 042 1,269,767 10000 1,300,103 10000 1,283,146 10000 1,265,043 10000 ) 1 = (, ) + + 2 2003 ( :, %) 2004 2003 379,649 3094 419,832 3394 316,781 2581 353,515 2857 62,867 512 66,317 536 - - - - 426,912 3479 427,677 3457 7,138 058 5,687 046 6,735 055 5,262 043 404 003 425 003 97 001 630 005 413,361 3368 383,198 3097 61-128 001 1,227,219 10000 1,237,152 10000 ) 1 2 2003
( :, %) 2004 2003 429 003 763 005 384 003 570 004 992 007 1,765 013 152,338 1118 162,650 1155, 1,876 014 2,783 020 42,447 311 57,656 410 78,536 576 88,890 631 19,873 146 23,586 168 13,231 097 18,049 128 1,675 012 2,774 020 9,610 070 12,962 092 70,751 519 65,042 462 11,326 083 12,550 089, 2,759 020 112 001 4,488 033 4,`121 029 8,700 064 8,817 063, 6,671 049 8,339 059, 10,456 077 11,913 085 142 001 504 004 6,943 051 8,089 057 919,551 6746 915,751 6505 1,363,178 10000 1,407,686 10000 ) ( : ) 2004 2003 (A/B x 100) 2863% 3092% (A) 351,283 382,503 (B) 1,227,158 1,237,024 )
( :, %) 2004 2003 553,611 4511 554,733 4484 68 001 80 001 3,053 025 1,677 014 33,942 276 33,071 267 345 003 812 006 591,019 4816 590,373 4772 140,881 1148 165,856 1341 495,319 4036 480,923 3887 1,227,219 10000 1,237,152 10000 ) 19 ( : ) ( A ) 36,088 36,355 267 ( B ) 168,955 171,891 2,936 ( C ) 62,294 62,294 - (D) 5,454 5,447-7 (A+B+C+D) 272,791 275,987 3,196 44,297 43,692 605 166,222 170,001 3,779 22-22 75,866 76,264 398 348,657 352,251 3,594
20 ( :, %) 2004 2003 1,206,646 9003 1,217,691 8866 1,242,056 8719 1,209,806 8679 143,388 1070 129,949 946 141,103 991 121,930 875 947,236 7067 966,376 7036 976,167 6852 966,681 6935 63,069 471 66,829 487 70,547 495 69,580 499 52,953 395 54,537 397 54,239 381 51,615 370 14,341 107 17,698 129 14,754 104 12,770 092 C D 49,119 366 61,082 445 64,993 456 40,683 292 70,288 524 77,014 561 102,784 721 130,648 937 1,340,394 10000 1,373,486 10000 1,424,587 10000 1,393,907 10000 ) ( :, %) 2004 2003 851,653 7058 908,857 7317 292,639 2425 287,037 2311 62,354 517 46,162 372 1,206,646 10000 1,242,056 10000 51,337 7304 74,073 7207 9,007 1281 14,716 1432 9,944 1415 13,995 1361 70,288 10000 102,784 10000 ),
21 / ( : ) 2004 2003 119 190 71 584 504 80 894 1,123 229 3,693 3,322 371 552 445 107 184 5 179 1,162 1,819 657 ( ) (64) (70) 6 ( ) - (1) 1 7,124 7,337 213 1,372 1,231 141 2,433 2,775 342 13 162 149 667 742 75 2,639 2,427 212 7,124 7,337 213 ) Position( ) ( )
2004 2003 ( : ) 321-321 284-284 - - - 99-99 41 87 128 48 20 68-41 41-53 53-25 25-32 32 20-20 - - - 27 41 68 754 1,021 1,775 409 194 603 1,185 1,126 2,311 ), 5 (20041231 ) ( : %) 730 90 6 133 (%) 271-726 -669-300 -231-373 -004 ) ( ) / ( : ) (%) 1 317,076-316,055 1,021 001 2 1,229,380-1,215,778 13,603 017 3 1,496,926-1,497,815-889 -001 4 1,388,208-1,297,750 90,457 110 5 1,253,641-1,200,364 53,277 065 6 392,721-297,663 95,058 114 7 888,317-840,779 47,539 058 8 1,081,228-1,094,285-13,057-016 9 1,552,558-1,504,460 48,098 059 10 888,766-897,183-8,417-010 11 1,228,439-1,241,649-12,210-014 12 1,058,471-1,067,629-9,158-010 ), (+), (-)
22 ( : ) 2004 2003 31,640 39,260 31,640 39,260 - - 12 11 6,111 8,606 472 1,398 52,677 45,484 52,651 45,251 52,651-45,251-26 233 ) 1 ( ) 2 2003 23 ( : ) 2004 2003 1,363,178 1,407,686 1,360,234 1,405,315 2,944 2,371 32,072 42,023 31,829 41,465 243 558 35,951 50,533 35,708 49,950 243 583 18,780 28,148 18,662 27,743 118 405 ) 1 (,, ) 2
( : ) 2003 2004 16-1,370 1,370-171 171 3-149 149 3 5 125 120 3-90 90 3-73 73 3-63 63 3 ( ) - 58 58 3-54 54 3-54 54 3-49 49 3-47 47 3 ( ) - 46 46-43 43 3-41 41-40 40-40 40 3 6 45 39 3-36 36 3-33 33 3 ) 20 20
( : ) 2004 CB LG 2004 1 3 2,379 4,870 5,186 - - - - - 2,379 4,870 5,186 - - - ) 100 24 ( : ) 2004 2003 9,758 8,003 ( ) (2,918) (2,705) ( ) (6,840) (5,298) 13,118 12,815 ( ) (10,164) (12,002) ( ) (2,954) (813) 50,263 58,024 66,299 44,461-1,293 94 64 7 603 994,301 652,357 ) 280,728
1 ALM (Front Office) (Middle Office) (Back Office) 2
3
4 ( ) ( : ) (A) 10,079 43 78 - - - - - - 10,079 43 78 - - - - - - Match, (B) 184,219 2,660 2,461 110,100 345 1,100 32,864 1,743 616 41,255 572 745 (C) 800,003 21,216 19,658 429,332 14,851 13,766 31,459 - - 328,495 6,144 5,718 - - - 10,717 221 174 (A+B+C) 994,301 23,919 22,197 5 ( ) :
6 ( ) ( : ) (A) 10,079 43 78 - - - - - - 10,079 43 78 - - - - - - Match, (B) 37,850 381 447 - - - 30,950 381 349 6,900-98 (C) 299,804 2,801 3,193 - - - 6,052 - - 288,568 2,739 3,113 - - - 5,184 62 80 (A+B+C) 347,733 3,225 3,718 7 ( ) :
8 ( ) ( : ) (A) - - - - - - - - - - - - - - - - - - Match, (B) 115,398 1,715 1,371 110,100 345 1,100 1,914 1,362 267 3,384 8 4 (C) 496,405 18,259 16,380 429,332 14,851 13,766 25,373 - - 39,927 3,405 2,605 - - - 1,773 3 9 (A+B+C) 611,803 19,974 17,751 9 ( ) :
10 ( ) ( : ) (A) - - - - - - - - - - - - - - - - - - Match, (B) 30,971 564 643 - - - - - - 30,971 564 643 (C) 3,794 156 85 - - - 34 - - - - - - - - 3,760 156 85 (A+B+C) 34,765 720 728 11 ( ) : 12 ( ) : 13 ( ) :
14 ( ) ( : ) Credit Default Swap - - - - - - Total Return Swap - - - - - - Credit Option - - - - - - Credit Linked Notes 418-418 - - - - - - - - 418-418 - - - 15 ( ) :
16 ( ) ( : ) 341,681 586,429 34,732-962,842 1142,054 550,388 32,871-725,313 1 5 185,372 31,388 1,860-218,566 5 14,254 4,708 - - 18,962 Current Exposure 4,323 24,110 1,860-30,293 10,079 - - - 10,079 1 - - - - 1 5 8,569 - - - 8,569 5 1,510 - - - 1,510 Current Exposure 109 - - - 109 Match, 37,850 115,398 30,971-184,219 1 14,300 113,651 29,235-157,186 1 5 23,550 286 1,736-25,572 5-1,461 - - 1,461 Current Exposure 451 3,658 1,646-5,755 293,752 471,031 3,761-768,544 1127,754 436,737 3,637-568,128 1 5 153,254 31,048 124-184,426 5 12,744 3,246 - - 15,990 Current Exposure 3,763 20,452 214-24,429 17 ( ) : 18 ( ) : 19 ( ) :
42 50 54 56
25 (20052 ),,,,,,
:, Total Exposure, 500, :,,,, /,, : /, / /, ALM( / ), : /,, RAROC/EVA / /, New Basel Capital Accord, / /,
2004 : 6 2005Risk Appetite CSS RAROC BASEL ( ) Stress Testing T/E, (P/F) Risk IT Credit Review (Assessment) (Stress Testing) (Template), EC RAROC Trading Risk Return ( ) 2 () IT
(EC), 2005 ( ) Risk Appetite Risk Appetite KPI RAROC EC, RAROC, EVA, EC RAPS ALM (CSA: Control Self Assessment) (KRI: Key Risk Indicator) IT Stress Testing, ALM Stress,
Basel II () 2007 A-IRB(Advanced Internal Ratings Based approach), AMA(Advanced Measurement Approach) Basel II Basel II Basel II, 20035 Basel II Basel Committee (International Convergence of Capital Measurement and Capital Standards) BIS (),, CSS : ASS(Application Scorecard System : ) BSS(Behaviour Scorecard System : ) Pool (PD,LGD,EAD) : (PD,LGD,EAD)
, Operational Risk AMA(Advanced Measurement Approach) Basel II Data Mart Application 23 :,, (Indication price) (Benchmark price)
: :, (Settlement price), 1 / :,, ALM, / :,, ALM :,, ALM
Bottom-up Top-down (Risk Appetite) (Risk Appetite) : (Risk Appetite = / ) / :,, ALM, = ( + EL of NPL) Risk Appetite,,
26,, (Credit Risk Management System) Portfolio (EWS )
-,, ALM,,,,,, CRO(Chief Risk Officer), CCO(Chief Credit Officer), (I, II) (CCO ),,, (,,, ),,, /SOHO, CSS/SOHO,, (, ), NPL,,, CCO < > :,,,,,, : /SOHO, CSS/SOHO, : (, ), : : NPL
, /, RAROC,, (RAPM), (RAPS) /,,,, Portfolio Exposure,,,,,,, KPI,,,,, Exposure ( )128Peer Total Exposure, Credit limitcel(client Exposure Limit), 2005 T/E42, Credit limit Total Exposure 1) Total Exposure Exposure 300
2) Credit Limit Total Exposure 3) CEL(Client Exposure Limit) 2 F/S 5 20 ( ),,, 2005 3, Basel LGD(Loss Given Default) Global standard Upgrade Monitoring (EWS), (2005 Pre- Workout ) Win-Win FLC, ( 19%, 49%, 99%)
27,, (,, ) [, (, )] (VaR ) Stress Testing Back Testing VaR(Value at Risk) (, ) (,, VaR) BIS BIS, ( : ) 2004 2003 33,415 8,656 42,071 42,465 10,583 53,048 1,845 19 1,864 1,553 13 1,566 962,835-962,835 624,010-624,010 205-205 741-741 1,521-1521 300-300 999,821 8,675 1,008,496 669,069 10,596 679,665 ) 1,, 2 3 ( ) 4 (trading book) (banking book)
VaR VaR VaR ( : ) 57 167 49 90 ) 1VaR 20041 12 2 VaR 3 VaR 99%, 1 4 EMWA(, 094) VaR ( : 20041 ~ 12) VaR vs VaR : 150 100 50 0-5004-01 04-03 04-05 04-06 04-08 04-10 04-12 -100-150 -200 Exception : Exception : Exception : 2004 57 2004 514 2004 106 ) VaR[ SMA( ) ] VaR (Exception)3
28
1 2 3 3 83,523 86,473 17,508 25,440 212,944 6,208 6,107 7,446 4,722 24,483 12,614 3,243 101 32 15,990 102,345 95,823 25,055 30,194 253,417 7 30 90 6 1 3 3 2,266 2,529 3,283 3,750 4,305 5,536 302 5,838 2,781 3,356 4,557 5,491 5,912 6,447 435 6,882
58 63 65 69 67 69 69 70 77 78 81 82 85 90 96 97
29 (2004 2 ) 1 (MBR ; Market-related Base Rate)
(Market Opportunity Rate)
2 1 4 12 (, 1) 79 104 3273 - (1) 573 - ( 1) 5 : +15 5 : +10 AAA BB- C (1) 560 783 3242
- 010-10 - 010 030 6 295 305 1 305 315 2 315 325 3 330 340 3 275 310 6 285 320 1 305 345 2 320 350 3 340 370 10 410-3 ) 1 2 ( )
30 KB K B K B 2,012 873 658 K B 384 KB 223 K B K B 286 1,577 Kookmin Bank Int l Limited Kookmin Finance HongKong Limited ( : ) ( ) 3,410 2,921 12,344 58,071 (800) 78,784 (448) 59,111 (383) 26,015 (2,000) 15,831 (80) 21,067 (63) 244 (300) 558 (402) 650 (209) 260,331 (4,685) -546-400 12/31 27 17 12/31 133 97 3/31 9 6 3/31 14 16 12/31 39 24 12/31 147-64 3/1 98 82 12/31 30 20 12/31 (49) (202) ) 1 20041231 (3 200341 ~ 20031231 ) 2 KB 2004 6 2 ~ 200412 31 3 20041130
1 ( :, %, %P) 2004 2003 KB 250 018 250 019 - -001 1,207 088 1,394 104-187 -016 Kookmin Bank Luxembourg SA Kookmin Bank Int l Limited Kookmin Finance Hong Kong Limited - - 1,545 114-1,545-114 2,822 206 1,703 127 1,119 079 1,915 140 1,225 091 690 049 6,194 452 6,117 455 77-003 ) 20041130 2 ( :, %, %P) Kookmin Bank Luxembourg SA Kookmin Bank Int l Limited Kookmin Finance Hong Kong Limited 2004 2003 - - 1,200 089-1,200-089 2,322 170 1,063 079 1,259 091 1,328 097 1,576 117-248 -020 3,650 267 3,839 285-189 -018
31 (1) (Compliance),,,, (2)
2004 (1) Compliance (2)
32,,,, 4 1,,, 143,,,,, 1 : 2 /
3 Risk-based e-biz Feedback IT 1 ( : ) 2003 637 950 316 1,903 34 2004 567 1,353 260 2,180 35 2 ( : ) 2003 2004 643 642 531 553-435 - 2,808-73 - 64 643 1,150 531 3,425 3 2003 2,418,808 2004 1,613,835 ( : )
33 34 2004 913 (1) SPC (2) 2004 913 ( ) - - ( 2004 913 ) - Donald HMackenzie ( ) 2004 913-35
36 1 98-10-31 ( ) ( ) 01-11-01 400,000 ~ 04-10-31 99-02-27 30,000 596 00-02-28 00-02-28 02-02-28 ~ 05-02-27 5,000 10,000 01-12-21 439 300,000 02-08-06 16,559 10,000 02-12-17 409 10,000 03-01-10 342 60,000 03-10-07 2,100 10,000 04-10-25 316 ( :, ) ( ) 46,400 13,900 30,000 02-04-20 1,292 46,400 2,486 33 27,600 2,486 46,400 47 4,800 64 27,600 4,800 46,400 90 00-02-28 7,000 93 27,600 1,100 03-11-20 16 5,900 46,400 111 ( ) 00-02-28 00-02-28 1,928 26 27,600 1,928 46,400 36 4,800 64 27,600 4,800 46,400 90 00-02-28 7,000 93 27,600 7,000 46,400 132 00-02-28 00-02-28 4,800 64 27,600 4,800 04-06-24 32 46,400 03-03-01 2,486 33 ~ 27,600 2,486 46,400 47 06-02-28 00-02-28 7,000 93 27,600 7,000 46,400 132 00-02-28 00-02-28 4,800 64 27,600 4,800 46,400 90 4,909 65 27,600 4,909 04-02-04 81 46,400 Jan Op 00-02-28 De Beeck 22,490 300 27,600 22,490 46,400 423 00-02-28 30,000 400 27,600 30,000 46,400 564 00-02-28 30,000 400 27,600 30,000 46,400 564 00-02-28 67,283 896 9 27,600 30,975 03-11-20 ~ 04-12-17 459 36,308 46,400 683 00-03-18 41,460 524 03-03-19 ~ 05-03-18 23,469 1,300 03-12-01 26 13,000 04-11-09 198 13,000 04-12-14 191 14,160 46,400 325
00-03-18 00-03-18 00-03-18 ( ) ( ) ( ) 2,961 37 23,469 2,961 46,400 68 2,961 37 23,469 2,961 46,400 68 2,961 37 23,469 2,961 04-11-05 47 46,400 7,807 04-01-16 195 00-03-18 14,807 187 03-03-19 23,469 46,400 ~ 7,000 04-02-05 151 05-03-18 00-03-18 2,961 37 23,469 2,961 46,400 68 00-03-18 11,845 150 23,469 11,845 46,400 272 ( ) 00-03-18 11,845 150 23,469 11,845 04-04-30 241 46,400 00-03-18 11,845 150 23,469 5,845 04-03-30 138 6,000 46,400 138 01-03-15 01-03-15 01-03-15 01-03-15 01-03-15 01-03-15 01-03-15 29,614 473 28,027 1,000 04-12-29 12 28,614 46,400 526 1,870 30 28,027 1,870 46,400 34 2,961 47 28,027 2,961 46,400 54 2,961 47 28,027 2,961 46,400 54 2,961 47 28,027 2,961 46,400 54 2,961 47 28,027 2,961 2004-04-14 59 46,400 1,870 30 28,027 1,870 46,400 34 01-03-15 2,961 47 04-03-16 ~ 28,027 2,961 46,400 54 09-03-15 01-03-15 14,807 237 28,027 14,807 46,400 272 01-03-15 01-03-15 2,961 47 28,027 2,961 04-03-16 48 46,400 1,870 30 28,027 1,870 46,400 34 01-03-15 11,845 189 28,027 11,845 46,400 218 01-03-15 01-03-15 11,845 189 28,027 11,845 46,400 218 11,845 189 28,027 11,845 46,400 218 01-03-15 11,845 189 28,027 11,845 46,400 218 01-03-15 11,845 189 28,027 11,845 46,400 218
01-03-15 ( ) ( ) ( ) 11,845 189 28,027 4,845 04-03-18 93 7,000 46,400 129 01-03-15 11,845 189 04-03-16 28,027 11,845 46,400 218 ~ 09-03-15 01-03-15 04-04-01 47,381 757 28,027 10,289 ~ 167 37,092 46,400 681 46 04-10-25 ( ) 01-03-22 4,429 37 71,538 4,429 46,400 01-03-22 6,644 56 04-03-23 71,538 6,644 46,400 ~ 01-03-22 4,429 37 11-03-22 71,538 4,429 46,400 01-03-22 6,644 56 71,538 6,644 46,400 01-03-24 01-03-24 1,916 33 25,100 1,916 46,400 41 2,318 40 25,100 2,318 46,400 49 01-03-24 2,318 40 25,100 2,318 46,400 49 04-03-25 ~ 01-03-24 30,000 514 07-03-24 25,100 30,000 46,400 639 01-03-24 19,333 331 25,100 19,333 46,400 412 01-03-24 16,491 282 2 25,100 11,216 04-04-19 ~ 04-10-7 224 5,275 46,400 112 01-11-16 01-11-16 500,000 9,182 150,000 2,755 04-11-17 51,200 150,000 46,400 ~ 09-11-16 51,200 500,000 46,400 02-03-22 3,000 73 57,100 3,000 46,400 02-03-22 02-03-22 3,321 81 57,100 3,321 46,400 3,321 81 57,100 3,321 46,400 02-03-22 3,000 73 57,100 3,000 46,400 05-03-23 02-03-22 9,963 244 ~ 10-03-22 57,100 9,963 46,400 02-03-22 10,000 245 57,100 10,000 46,400 02-03-22 3,000 73 57,100 3,000 46,400 02-03-22 02-03-22 Henry Cornell Timothy Hartman 3,321 81 57,100 3,321 46,400 3,321 81 57,100 3,321 46,400
( ) ( ) ( ) ( ) 02-03-22 9,498 233 57,100 9,498 46,400 02-03-22 13,339 327 57,100 13,339 46,400 02-03-22 30,000 735 57,100 30,000 46,400 02-03-22 30,000 735 57,100 30,000 46,400 02-03-22 30,000 735 05-03-23 ~ 57,100 30,000 46,400 02-03-22 19,525 478 10-03-22 57,100 19,525 46,400 02-03-22 9,498 233 57,100 9,498 46,400 02-03-22 13,339 327 57,100 13,339 46,400 02-03-22 19,525 478 57,100 19,525 46,400 02-03-22 148,810 3,645 15 57,100 148,810 46,400 02-03-29 3,330 22 129,100 3,330 46,400 02-03-29 04-03-30 3,330 22 ~ 11-03-29 129,100 3,330 46,400 02-03-29 3,330 22 129,100 3,330 46,400 Donald H 05-07-27 02-07-26 30,000 520 ~ 58,800 30,000 46,400 Macke- 10-07-26 nzie 03-03-21 10,000 120 35,500 10,000 46,400 109 03-03-21 10,000 120 35,500 10,000 46,400 109 03-03-21 03-03-21 03-03-21 3,351 40 42,200 3,351 46,400 14 3,351 40 42,200 3,351 46,400 14 06-03-22 3,351 40 ~ 11-03-21 42,200 3,351 46,400 14 03-03-21 10,000 120 35,500 10,000 46,400 109 03-03-21 10,000 120 35,500 10,000 46,400 109 03-03-21 10,000 120 35,500 10,000 46,400 109 Bernard 03-03-21 S Black 10,000 120 35,500 10,000 46,400 109
Richard 03-03-21 Elliott Lint ( ) ( ) ( ) 10,000 120 35,500 10,000 46,400 109 ( ) 03-03-21 9,443 133 35,500 9,443 46,400 103 06-03-22 03-03-21 7,024 99 ~ 11-03-21 35,500 7,024 46,400 77 03-03-21 9,443 133 35,500 9,443 46,400 103 03-03-21 90,000 1,267 5 03-08-27 5,091 77 06-08-28 ~ 11-08-27 35,500-90,000 46,400 981 40,500 5,091 46,400 30 04-02-09 10,000 164 46,100 10,000 46,400 3 04-02-09 10,000 164 46,100 10,000 46,400 3 07-02-10 04-02-09 10,000 164 ~ 12-02-09 46,100 10,000 46,400 3 04-02-09 5,000 82 46,100 5,000 46,400 2 04-02-09 50,000 822 9 46,100 50,000 46,400 15 04-03-23 5,000 76 47,200 5,000 46,400 04-03-23 5,000 76 47,200 5,000 46,400 07-03-24 04-03-23 5,000 76 ~ 12-03-23 47,200 5,000 46,400 04-03-23 5,000 76 47,200 5,000 46,400 04-03-23 10,000 151 04-11-01 700,000 8,564 07-11-02 ~ 12-11-01 47,200 10,000 46,400 37,600 700,000 46,400 ( :, ) 2,532,054 399,069 2,132,985 336,379,116 50,456,867 3,363,791
2 2002322, 2003321, 2004323, 40%, 2002322 2004111 70 (ROE, BIS, TRS) 3, 1) : 2) ( ) ( :, ) ( ) 04-02-09 04-02-09 04-02-09 04-02-09 04-02-09 9 04-03-23 04-03-23 04-03-23 04-03-23 04-03-23 04-11-01 ) 1 : 47,200 40% 2 / 3 2004111 ROE, BIS, TRS, 37,600 40% 4,,
( :, ) ( ) ( )
( : ) 37 ( : ) 2004 2003 1,448 1,663
38 1) ( :, %) ( ) 2) ( ) 3) (A) (B) (C) ( ) (C-A) (C-B) ( ) (04 323) 13,282 13,282 15,787 2,505(1886) 2,505(1886) 13 13 12-1(-753) -1(-899) 13,295 13,295 15,799 2,504(1884) (1883) 5,000 5,000-5,000(-10000) -5,000(-10000) ( ) (04 323) 3 1-2(5629) 1 5,003 5,000 1-5,002(9997) -4,999(-9997) 50 50 50 12 12 12 ( ) (04 323) 28 25 28 3(1200) 78 75 90 12(1538) 15(2000) 30 30 30 78 62 93 16(2000) 31(5000) ( ) (04 323) 5 5 5 113 97 128 16(1378) 31(3196) ( ) 2 2 2 (04 323) 2 2 2 18 18 18 ( ) (04 323) 18 18 18
( ) 2) ( ) 3) (A) (B) (C) ( ) (C-A) (C-B) 98 98 98 18,411 18,389 15,940-2,471(-1342) -2,449(-1332) 18,509 18,487 16,038-2,471(-1335) -2,449(-1325) 98 98 98 18,411 18,389 15,940-2,471(-1342) -2,449(-1332) 18,509 18,487 16,038-2,471(-1335) -2,449(-1325) ) 1 2, 2 ( ) ( ) (,, ) 3 1 4 ( )
: 1) ( : ) ( ) 2) ( ) 3) ( / ) ( ) 200310 1 2004 930 11 ( ) 11 ) 1 ( ) 2 3 : 1) ( :, ) ( ) 2) ( ) B/S 3) B/S (2002 322 7,223 450 4,030 250 3,080 200 ) 7,223 450 4,030 250 3,080 200 20,231 1,049 16,529 926 4,329 123 (2004 323 ) 1,875 50 15,913 477 15,791 487 1,378 40 1,875 50 36,144 1,526 32,320 1,413 5,707 163 LG (2003 321 1,688 55 1,688 55 ) 1,688 55 1,688 55 1,875 50 45,055 2,031 38,038 1,718 8,787 363 1,875 50 45,055 2,031 38,038 1,718 8,787 363 ) 1 ( ) ( ) 2 3
39 (2004 ) 1 ) ( : ) 122 45 61 9 7 ) 2 ( ) ( : ) ) 12 2, / 15 - ),, 3 ( ) ) ( : ) 102 91 1 9 1 ) 20012002
40 2005 11
,,, 1234, 7777 3,
41 ( ) ( ) / / 100 100 100 100 1,000( 800) 2,000( 1,600) 2,000( 1,600) 4,000( 3,200) 10 2,000 100 3,500 500 6,000 1,000 8,000 1,000 10,000 10 1,000 600 600 1,000 1,500 +600 800 1,000 1,000 1,000 +600 600 (ARS) 600 700 1,300 FAX (SMS) 200 100 ) ( ), MVP,,, ( : )
, 10,000 (20) 10,000 (10) 50 300 200,000 300,000 500,000 2,000 30,000 50,000 5,000 (100 ) 1,000 30,000
, 2,000, 1,000 60,000 30,000 50,000 5,000 300 (200 ) 10,000 20,000 5,000 10,000 2,000 1,000 1,000 1,000 ( )
( ) RM (), ( ) - 60,000, ( ) - 100,000 ( ) - 40,000 1 40,000 2 50,000 ( ) 3 60,000 4 80,000 4 100,000-30,000 1~300 15,000 301~400 14,000 401~500 13,000 500 12,000 1~100 150,000 101~300 300,000 300 500,000-15,000-25,000 ( ) - 80,000 1~100 100,000 101~300 ( ) 200,000 300 250,000-100,000 { (05%)( /365)} + { ( MOR- MOR) /365} ( - ) /360 05% - 2,000-5,000-5,000
( ) 구분수수료율우대가능범위비고 외화현금매매 기준환율 X 190% 단, 중국위엔화 (CNY) 는매입 : 기준환율 X 800% 매매익의 80% 매도 : 기준환율 X 400% 여행자수표매도 기준환율 X 120% 매매익의 80% 미화 30만불상당액이상거래시에는외화자금팀에서승인받은시장연동환율을적용 전신환기준환율 X 099% 매매익의 90%
42 (1) 50% (2) 30% (3) 111, 30% (4) ( ) (1),(2),(3) * : (1),(2),(3) 15% * = / 100 1 * : / * = / 100 ( )
* = + - + (,, ) (1) : (2) :, (,, ) * : (,,, )+ + + + + ( )+ + + + +
( 3), ( ) 1, ( ) 1 3 1, ( ) 3, 1, ( ) 3 12 1, ( ) 12,,
3,,,, ( ) ( ) (, ) 3 (Prime Rate) ( ),, i :, i : i : * = ( ) /( ) 100
,, BIS BIS BIS ( ) 8% 100%, (NIM) * (NIM) = ( ) /
( = + ), 15% 3 Moody's, S&P, Fitch,,, 1 Moody's S&P Fitch AaaBaa3(10 ) AAABBB-(10 ) AAABBB(4 ) Ba1 C(9 ) BB+ D(12 ) BB C(5 ) P-1 P-3(3 ) A-1 A-3(3 ) A1 A3(3 ) NP B D (3 ) B C (2 )
96
97
98
99
100
101
102
103
104
105
< > Yurakucho Denki Bldg N, 14F, 1-7-1, Yurakucho, Chiyoda-ku Tokyo 100 Japan 2073-4112(3) Kookmin Bank New York Branch 565 Fifth Avenue, 24 th Floor, New York, NY, 10017 USA 2073-4121(2) Kookmin Bank Auckland Branch Level 19, ASB Bank Centre Cnr Albert & Wellesley Streets PO BOX 7506, Auckland, New Zealand 2073-4124(5) Kookmin Bank Tokyo Branch 106
45 107 46 109 47 114 48 120 49 121 50 124 51 131 52 133 53 136 54 139 55 140 56 143
107 45 2005 24 ( )2004 20031231, ( ) 2004 20031231 1 27,159, 213,157 63,308 2003 1231 2003 12 31, 200433 20031231
2 2003530 2003930 7427% 2003724 1 0442983 3 20031217 30,623,76127,423,761 20031212, 20031217 43,700 ( ), 4 2004429 30,246 ( ) KB, KB, 2005125 KB 49%ING Insurance International BV14,821 5 1,183,119 142,531, 1,325,650 2,586,725 55,216 2,641,941 108
46 4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 5,177,758 6,526,345 ( ) (3,751) (12,810) 1 2,380,578 2,945,921 2 124,735 228,153 3 2,068,749 2,763,457 4 607,447 601,624 27,598,737 26,908,462 1 3,635,510 4,482,948 2 17,189,060 15,894,974 3 6,229,435 5,979,341 4 544,732 551,199 136,034,323 141,138,972 () (3,118,775) (3,910,044) 48,889 8,567 1 122,721,898 123,715,244 2 3,860,828 4,019,930 3 27,096 37,427 4 574,785 533,294 5 32,120 89,665 6 32,335 47,202 7 7,643,990 11,665,205 8-1,500,000 9 1,203,631 1,787,131 10 3,006,780 1,645,351 11 746 2,633,218 3,019,556 1 3,594,903 3,687,782 ( ) (1,428,586) (1,196,201) ( ) (2,296) (22,228) 2 468,958 549,427 3 492 1,522 ( ) (253) (746) 109
8,283,148 6,508,855 () (67,320) (38,692) 1 1,290,891 1,336,639 2 2,351,340 1,715,100 3 1,019,717 1,080,057 4 96,949 92,217 5 210,529 307,154 6 429,045 615,944 7 2,391,984 751,252 8 520,612 612,592 9 39,401 36,592 179,727,184 184,102,190 127,010,534 132,180,272 1 120,664,582 124,205,641 2 1,434,061 1,475,373 3 4,911,891 6,499,258 9,634,296 10,902,800 1 2,945,237 3,354,369 2 2,540,260 3,322,917 3 3,449,445 3,623,156 4 41,988 44,239 5 2,007 12,608 6 655,359 545,511 21,867,820 19,192,581 1 21,286,079 18,379,403 ( ) (120,271) (83,443) 2 696,522 888,455 5,490 8,166 12,109,893 13,589,031 1 319,947 234,432 () (193,325) (163,349) 2 1,150 1,074 3 798,662 3,983,295 4 2,734,897 1,886,446 5 4,280,637 4,418,940 191,642 109,685 110
7 97,269 130,778 8 7,291 123,455 9 111,723 120,437 10 2,219,630 686,271 11 233,690 364,783 12 258,020 400,445 13 280,569 315,241 14 768,091 977,098 170,622,543 175,864,684 1,681,896 1,681,896 1 1,681,896 1,681,896 6,230,738 6,230,738 1 5,655,840 5,655,840 2 574,898 574,898 2,041,691 1,485,111 1 545,740 545,740 2 40,760 40,760 3 1,072,800 1,827,700 4 2,490 2,774 5 ( ) 379,901 (931,863) ( ) : 555,250 : (-)930,356 ) (849,684) (1,160,239) 1 (1,322,320) (1,328,312) 2 438,790 137,987 3 5,692 4,624 4 29,613 26,211 5 (1,459) (749) 9,104,641 8,237,506 179,727,184 184,102,190 111
4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 794,220 256,150 7,586,618 9,677,174 510,650 592,379 813,803 1,197,622 2,326,910 1,584,363 23,277 54,798 2,312,459 4,080,362 449,415 767,675 179,663 563,432 970,441 836,543 361,906 489,788-21 61,996 130,469 3,060 5,998 208,706 129,638 3,631 3,631 109 589 84,231 193,236 173 26,206 100,000-10,679,316 20,228,649 120,672 2,563 95 177 140,941 255,423 818 821 22,554 62,951 108,838 178,270 61-7,290 12,883 1,380 498 429,469 1,567,943 (47,192) (140,540) 20,166,045 32,337,327 112
7,028,835 10,278,357 137 139 177,328 316,524 70,762 122,036 199 276 42,941 64,337 14,361 19,837 4,787 5,016 2,150,271 2,040,923 417,861 1,116,712 83,997 219,367 621,170 1,629,099 294,861 246,780 1,779,191 2,518,813 169,893 401,998 390,848 384,826 109,974 292,200 54,314 45,057 331,793 647,997 80,051 61,868 234,096 144,552 12,534,329 21,453,760 862,075 797,043 11,551,582 20,654,155 120,672 2,562 546,876 549,082 1,506 1,272 8,053 12,693 1,099 3,545 84,490 111,363 450,324 418,599 994 1,431 410 179 56,005 56,128 20,166,045 32,337,327 113
47 4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 20,879,860 15,570,605 (1) 11,440,833 11,625,550 1 9,995 10,433 2 151,349 116,142 3 534,410 754,605 4 360,188 626,552 5 10,279,924 10,018,895 6 104,967 98,923 (2) 2,186,741 1,636,171 1 851,868 703,391 2 7,550 8,037 3 73 172 4 1,166,376 749,661 5 160,874 174,910 (3) 7,252,286 2,308,884 1 147,631 119,168 2 26,745 70,976 3 384,747-4 3,289 1,633 5 13,452 5,580 6 257,039 287,501 7 117,869 247,639 8-1,209 9 4,057,392 1,131,711 10 2,196,112 400,397 11 6,065 10,715 12 41,945 32,355 18,790,692 13,084,704 (1) 5,411,102 5,902,834 1 3,909,204 4,280,290 2 326,586 410,746 3 1,116,110 1,143,228 4 59,202 68,570 114
(2) 452,174 270,405 1 98,850 88,783 2 353,324 181,622 (3) 10,168,902 4,207,317 1 69,214 47,269 2 602-3 305,448 200,109 4 179,922 178,094 5 3,068,248 1,431,181 6 206-7 3,990,483 1,053,990 8 2,050,551 419,185 9 3,890-10 500,338 877,489 (4) 2,758,514 2,704,148 1 1,196,981 1,149,816 2 124,608 109,766 3 335,764 317,550 4 79,139 65,046 5 333,019 387,425 6 82,270 79,431 7 122,982 125,717 8 43,869 67,317 9 134,300 106,844 10 95,898 87,690 11 209,684 207,546 2,089,168 2,485,901 311,552 958,998 1 29,546 2,229 2 3,281-3 3,171 2,692 4-240,711 5 77,823 554,203 6 1,517 2,771 7 1,146-8 - 27,823 9 23,770 5,741 10 171,298 122,828 115
1,502,122 4,831,659 1 16,736 35,287 2 19,384 22,228 3 5,014-4 24,350 60,210 5 3-6 82,272 142,610 7 1,183,331 2,679,022 8 50,029-9 - 1,652,264 10 121,003 240,038 ( ) 898,598 (1,386,760) ( ) 898,598 (1,386,760) ( ) 343,348 (456,404) ( ) 555,250 (930,356) ( ) ( ) : :1,812 :(-)2,854 ( ) ( ) : :1,811 :(-)2,854 ) 116
4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 34,629 1,539 356,170 730,871 52,108 70,501 94,052 92,843 1,371 4,108 144,328 390,499 2,338 4,836 39,490 61,898 16,884 101,184 5,599 5,002 33,251 51,484 3 2 9,862 18,469 364 920 9,220 9,432 73 5,261 12,379 14,321 1,350 3,079 2,524-1,268,694 1,368,774 4,999 3,005 121,625 253,296 63,286 80,179 1,196 3,407 57,143 169,710 768 1,068 18,843 39,242 27 2 4,347 13,302 3,007 4,063 11,462 21,875 34,575 36,970 117
99,698 86,220 9,503 1,527 1,985,279 2,573,996 403,742 620,916 2 6 14,245 24,847 6,120 4,393 9 7 1,857 3,747 880 1,363 1,197 1,288 90,905 69,247 52,577 71,887 10,873 16,234 39,208 93,722 13,145 7,252 95,303 227,238 9,873 24,379 20,506 23,062 13,529 23,148 2,394 1,104 19,452 23,308 3,328 1,517 8,339 3,167 1,361,411 1,526,838 52,215 151,920 1,309,030 1,374,918 166 - - 548 21-1,641 2,161 60 72 740 858 841 1,231 1,220 2,658 118
14-95,774 109,826 40,220 60,126 38,189 30,248 17,365 19,452 6,693 7,680 497 605 6,196 7,075 793 970 102,148 232,361 2,438 7,832 2,148 2,790 1 662 289 4,380 9,381 11,966 3 50,240 1,985,279 2,573,996 119
48 4 2004 11 2004 12 31 ( : 2005 318 ) 3 2003 11 2003 12 31 ( : 2004 323 ) ( : ) ( ) 379,901 (931,863) 1 ( ) (176,963) 410 2 1,614 (1,917) 3 ( ) 555,250 (930,356) 260,860 754,900 1 220,100 754,900 2 40,760-640,737-1 55,600-2 55,600-3 359,525-4 1,438-5 168,574-168,574 - ( () 4 : 550 ( 11%) 3 : - ( ) 24 (176,963) 120
49 4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 4 () 3 () 4,650,918 4,063,754 1 ( ) 555,250 (930,356) 2 11,642,438 8,590,197 69,214 47,269 305,448 200,109-1,652,264 3,068,248 1,431,181 206-3,990,483 1,053,990 2,050,551 419,185 3,890-109 - 124,608 109,766 5,101 12,130 333,019 387,425 82,270 79,431 16,736 35,287 19,384 22,228 24,350 60,210 82,272 142,610 5,014-3 - ( ) 300 2,033 ( ) 45 42,900 1,183,331 2,679,022 277,856 213,157 3 7,263,818 2,877,333 147,631 119,168 26,745 70,976 384,747-257,039 287,501-1,209 4,057,392 1,131,711 2,196,112 400,397 6,065 10,715 121
4 () 3 () 29,546 2,229 77,823 554,203 1,517 2,771-27,823-240,711 1,146-41,945-23,770 5,741 3,281-9,059 22,178 ( ) 4 (282,952) (718,754) 60,340 118,796 ( ) 96,625 (255,957) ( ) 186,286 (462,618) (2,810) (166) (138,302) (593,967) (33,509) (28,019) ( ) (116,164) 36,095 ( ) (135,243) 587,179 (39,107) (18,637) (29,975) (66,349) (131,093) (35,111) ( ) 1,138,658 (8,071,791) ( ) 947,422 (1,247,467) 1,337,347 1,336,940 (841,048) (1,179,456) ( ) (248,579) 5,119,423 ( ) 5,894 (71,295) - 11,392 337,617 (12,613,037) 184,885 101,599 (216,150) (316,890) (1,801) (705) 545 162 (128) (166) 45,748 (8,865) ( ) (636,240) 166,101 (4,731) (28,328) 122
4 () 3 () 107,270 145,924 91,980 474,995-37,882 28,627 ( ) (6,199,801) 4,645,870 ( ) (3,541,059) 5,229,520 ( ) (41,313) 391,726 ( ) (1,587,366) 3,455,169 11,596,574 1,465,556 (12,005,707) (3,246,431) 5,025,868 3,230,841 (5,808,525) (3,333,706) ( ) (173,711) 548,995 (2,250) (28,621) (10,600) (24,885) ( ) 109,847 (860,455) 13,116,371 3,191,050 (10,246,522) (6,483,584) 174,155 379,284 (368,766) (365,338) ( ) (3,184,632) 3,248,649 - (325,188) ( ) 848,452 (273,080) 81,956 19,325 (8,714) (623) (142,425) (173,865) (34,672) (171,172) - (1,227,876) - 826 - (212) 3,238 (35) ( )(++) (410,225) 637,833 3,771,757 3,100,581-33,343 3,361,532 3,771,757 123
124 50 113(11 ), 2004 10, 12, 13 20031231 1,, ( ) 20041231 ( ) ( ) 8,067,271 532,904, 469,089 82,594 2,,,,,,,,,
125,,,,,, 3,,,,,,, 4, 5 (1) (Forward Looking Criteria, FLC ), FLC
12 (AAA, AA, A, BBB, BB, BB-, B, B-, CCC, CC, C, D) AAA B B- CCC CC C D,,,, 075% 100% 050% 800% 1200% 200% 2000% 2000% 2000% 5500% 6000% 5000% 10000% 10000% 10000%,, (2) ( ) ( ) Migration Analysis 1 5 Migration Analysis 2 5 Roll-rate Analysis 1 5,,,, 6 ( ) 20% 50%, 100% 126
7, 3,,,, 13 8 ( ) 40 4-5 4-5,,, 127
9 5 1-10 5-30, 30 ( ),, 9, 10 1, 11, 12,, 128
129 13,,,,,, 14 15 ( ), ( ), 16,,,, 2004 20031231
17 ( USD 1:1,0438, USD 1:1,1978),,, 18 19 (1) 1,183,119 142,531, 1,325,650 2,586,725 55,216 2,641,941 (2) 2 ABS 2,, (3) 130
51 2005218 ( )2004 2003 1231,, 20041231 035% 087% KB,, KB,, KB Kookmin Bank HK Ltd, 20031231 013% 015% KB Kookmin Bank HK Ltd 2004 20031231 27,159, 213,157 63,308 20031231 2003 1231,, 2004 33 20031231 131
2004429 30,246 ( ) KB, KB 2005125 KB 49%ING Insurance International BV14,821 IT 02-4 20031217 30,623,76127,423,761 20031212, 20031217 43,700 ( ), 1,183,119 142,531, 1,325,650 2,586,725 55,216 2,641,941 132
52 4 2004 12 31 3 2003 12 31 ( : ) 5,251,217 6,560,651 ( ) (3,751) (12,810) 1 2,380,580 2,945,921 2 124,736 228,153 3 2,102,125 2,793,082 4 647,527 606,305 30,303,215 29,337,684 1 6,523,329 7,178,248 2 17,373,376 15,996,456 3 6,239,716 5,991,930 4 166,794 171,050 136,102,701 141,144,849 () (3,131,099) (3,922,214) 48,889 8,567 1 122,913,992 123,830,211 2 3,659,753 3,900,868 3 27,096 37,427 4 574,818 534,239 5 32,120 89,665 6 32,335 47,202 7 7,643,990 11,665,205 8-1,500,000 9 1,210,585 1,794,231 10 3,089,476 1,659,448 11 746-2,637,118 3,024,948 1 3,607,196 3,700,915 ( ) (1,439,359) (1,205,871) ( ) (2,296) (22,228) 2 471,338 551,356 3 492 1,522 ( ) (253) (746) 133
8,481,033 6,754,658 () (226,705) (141,633) 1 1,300,643 1,345,715 2 2,359,806 1,717,666 3 994,029 1,051,818 4 97,487 92,661 5 220,380 313,383 6 457,055 627,248 7 2,392,086 752,523 8 520,612 612,592 9 319,003 335,384 10 46,637 47,301 182,775,284 186,822,790 130,133,873 135,373,286 1 123,708,792 127,321,356 2 1,516,132 1,552,672 3 4,908,949 6,499,258 9,359,595 10,750,820 1 3,052,049 3,481,254 2 2,164,848 3,068,008 3 3,443,344 3,623,156 4 41,988 44,239 5 2,007 12,608 6 655,359 521,555 21,867,820 19,182,576 1 21,286,079 18,369,398 ( ) (120,271) (83,443) 2 696,522 888,455 5,490 8,166 12,226,696 13,205,072 1 327,008 240,844 ( ) (83) (83) () (197,787) (167,690) 2 1,150 1,074 3 677,334 3,508,144 4 2,758,891 1,908,765 5 4,354,998 4,479,084 134
6 194,437 110,935 7 102,719 135,880 8 7,519 123,570 9 98,917 110,884 10 303 68 11 2,219,630 688,045 12 234,890 365,907 13 258,020 400,445 14 280,569 315,241 15 126,995-16 781,186 983,959 173,587,984 178,511,754 1,681,896 1,681,896 1 1,681,896 1,681,896 6,238,284 6,237,528 1 5,655,840 5,655,840 2 582,444 581,688 2,091,960 1,535,656 1 545,740 545,740 2 40,760 40,760 3 1,072,800 1,827,700 4 2,490 2,774 430,170 (881,318) ( )) : 550,732 : (-)918,758 ) (852,480) (1,160,814) 1 (1,322,320) (1,328,312) 2 442,600 141,155 3 (914) 881 4 29,613 26,211 5 (1,459) (749) 27,640 16,770 9,187,300 8,311,036 182,775,284 186,822,790 135
53 4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 21,193,234 18,019,920 (1) 11,190,499 13,084,902 1 12,693 10,997 2 289,393 303,743 3 544,483 756,539 4 360,569 1,242,809 5 9,862,381 10,647,859 6 120,980 122,955 (2) 2,651,130 2,566,553 1 883,401 847,562 2 7,550 8,041 3 99 398 4 1,599,206 1,535,642 5 160,874 174,910 (3) 58,385-1 58,067-2 41-3 277 - (4) 7,293,220 2,368,465 1 200,765 138,079 2 23,543 65,798 3 384,747-4 3,378 79,121 5 6,883 5,986 6 245,694 291,542 7 119,908 206,075 8-1,209 9 4,060,338 1,134,624 10 2,196,112 403,457 11 6,065 10,715 12 45,787 31,859 19,150,576 15,099,291 (1) 5,539,860 6,475,761 1 4,044,051 4,386,806 136
2 330,690 591,830 3 1,116,557 1,436,234 4 48,562 60,891 (2) 442,349 717,604 1 89,025 290,430 2 353,324 427,174 (3) 43,672 1 24,332-2 8,540-3 10,800 - (4) 10,280,587 4,878,762 1 89,315 77,296 2 294,135 195,212 3 179,962 178,170 4 3,064,528 2,028,696 5 1,916 1,458 6 206-7 3,991,366 1,089,971 8 2,050,630 421,793 9 3,890-10 604,639 886,166 (5) 2,844,108 3,027,164 1 1,233,320 1,255,628 2 127,676 129,392 3 339,896 347,746 4 82,273 78,433 5 334,565 436,549 6 103,619 82,807 7 125,416 136,691 8 44,119 87,653 9 115,407 113,217 10 117,739 109,269 11 220,078 249,779 2,042,658 2,920,629 363,905 805,948 1 29,562 2,308 2 3,281-137
3 2,883 2,557 4 32,507 22,675 5 95,880 568,223 6 1,517 2,771 7 1,146-8 - 42,932 9 24,428 7,499 10 172,701 156,983 1,514,594 4,986,499 1 16,753 36,724 2 19,384 22,228 3 29,451 68,408 4 3-5 91,312 150,818 6-5,840 7 50,029-8 1,183,332 2,795,525 9-1,652,264 10 124,330 254,692 ( ) 891,969 (1,259,922) ( ) 891,969 (1,259,922) 338,105 (417,666) ( ) 553,864 (842,256) ( ) (3,132) (76,502) XI ( ) 550,732 (918,758) ( ) ( ) : : 1,797 : (-)2,818 ( ) ( ) : : 1,797 : (-)2,818 ) 138
54 4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 200311( ) 1,641,293 5,968,401 2,787,469 30,817 252,355 10,680,335 40,603 271,274 - - (236,428) 75,449 - - (918,753) - - (918,753) - - (325,233) - (2,474) (327,707) - (2,147) - 2,147 - - - - - (1,182,235) - (1,182,235) - - - (36,891) (13) (36,904) - - - 881-881 - - - 25,814-25,814 - - - (1,347) - (1,347) - - - - 3,330 3,330 - - (7,656) - (7,656) - - (166) - - (166) 20031231( ) 1,681,896 6,237,528 1,535,656 (1,160,814) 16,770 8,311,036 2004 1 1( ) 1,681,896 6,237,528 1,535,656 (1,160,814) 16,770 8,311,036 - - 550,732 - - 550,732 - - - - (1,929) (1,929) - - - (710) - (710) - - - 5,992-5,992 - - - 301,445-301,445 - - - (1,795) - (1,795) - - - 3,402-3,402 - - - - 3,132 3,132-756 5,856-9,667 16,279 - - (284) - - (284) 20041231( ) 1,681,896 6,238,284 2,091,960 852,480 27,640 9,187,300 139
55 4 2004 11 2004 12 31 3 2003 11 2003 12 31 ( : ) 4 () 3 () 4,613,785 5,293,050 1 ( ) 550,732 (918,758) 2 11,699,206 9,973,534 89,315 77,296 294,135 195,212 3,064,528 2,028,696 3,991,366 1,089,971 2,050,630 421,793 3,890-127,676 129,392 5,101 12,130 334,565 436,549 103,619 82,807 16,753 36,724 19,384 22,228 109-29,451 68,408 91,312 150,818 3 - - 5,840 1,183,332 2,795,525 299 2,033 ( ) 45 42,900 266,023 646,446 3,132 76,502 206-24,332 - - 1,652,264 3 (7,356,589) (2,732,626) 200,765 138,079 23,543 65,798 384,747-245,694 291,542-1,209 4,060,338 1,134,624 2,196,112 403,457 6,065 10,715 140
4 () 3 () 29,562 2,308 3,281-95,880 568,223 1,517 2,771-42,932 32,507 22,675 1,146-24,428 7,499 41,945 18,616 9,059 22,178 ( ) 4 (279,564) (1,029,100) 58,041 215,068 ( ) 93,004 (165,084) ( ) 169,580 (439,168) 4,748 3,320 (124,702) (761,806) (33,161) (15,988) ( ) (116,050) 31,145 (128,620) 161,197 ( ) (131,017) 49,667 (41,525) (39,045) (30,097) (68,529) - 123 235 - ( ) 1,059,184 (5,086,682) ( ) 956,798 (1,178,162) 1,174,658 2,221,779 (897,475) (3,725,426) ( ) (246,271) 8,228,193 ( ) 33,315 (88,380) ( ) 299,812 (11,069,265) 188,418 105,902 (218,990) (347,368) (3,355) (2,048) 545 2,830 (128) (165) ( ) 45,072 (3,528) ( ) (570,471) 170,286 ( ) (4,827) (33,330) 108,650 130,945 91,980 474,995 141
4 () 3 () 16,381 26,060 85,072 - ( ) (6,028,558) 462,433 ( ) (3,612,564) 4,686,489 ( ) (36,540) 364,698 ( ) (1,590,308) 3,455,169 (429,205) (5,360,609) ( ) (903,161) 187,678 ( ) (179,812) 548,995 (2,251) (28,621) (10,601) (24,885) 133,804 215,589 ( ) 2,879,854 (4,277,883) ( ) (194,610) 7,922 ( ) (2,830,810) 2,874,589 - (325,233) ( ) 850,013 (181,195) ( ) 83,458 (142,668) ( ) (11,967) 2,179 (142,425) (141,312) (34,672) (171,172) 3,239 (35) - (1,227,876) - 826 - (212) (6,107) (85,284) ( )( + + + ) (361,696) 583,517 3,790,765 3,207,248 3,429,069 3,790,765 142
56 2004 20031231 20041231 20031231 (%) (%) 1* KB 12 31 799,800 9998 799,800 9998 2* KB 3 31 3,999,200 9998 3,999,200 9998 3* KB 12 31 8,941,587 9989 8,941,587 9989 4* KB 3 31 6,134,040 8000 6,134,040 8000 KB 12 31 15,999,930 9999 9999 KB 12 31 1,249,040 9973 867,716 6928 KB 331 6,000,000 10000 - - Kookmin Bank HK Ltd 5* 12 31 2,000,000 10000 2,000,000 10000 KB Int'l Ltd(London) 12 31 20,000,000 10000 20,000,000 10000 IT 12 31-6000 - 6000 02-412 31-5000 - 5000 ING 331 1,400,000 2000 1,400,000 2000 12 31 4,854,713 3641 4,854,713 3641 6* 12 31 88,572 2114 88,572 2114 12 31 1,999,910 9999 1,999,910 9999 KB Luxemburg SA 12 31 - - 70,000 10000 Kookmin Finance Asia Ltd (HK) 12 31 2,000,000 10000 2,000,000 10000 Kookmin Singapore Ltd 12 31 30,000,000 10000 30,000,000 10000 Sorak Financial Holdings 12 31 1,422,216 2500 1,274,638 2500 3 6 30-8038 - 8038 1 7* 12 31-5000 - 5000 KTTC- 1 7* 12 31-2000 - 2000 7* 13 4 30 - - - 3333 7* 15 6 30-3400 - 3400 7* 16 7 31-2000 - 2000 7* KB 03-1 12 31-1667 - 1667 2 6 30-6889 - 6889 7* KB03-1 12 31-2900 - 2900 12 31 - - 6,000,000 2667 1* 2004430 KB 2* 2004430 KB 3* 2004430 KB 4* 2004429 KB 5* Kookmin Finance HK Ltd200411 Kookmin Bank HK Ltd 6* KB 7* KB 143
20041231 ( : ) ( ) 179,727,184 9,104,641 20,879,860 555,250 3,315,294 53,349 266,488 - KB 22,258 15,832 40,672 1,584 KB 38,446 26,015 7,282 889 KB 87,308 78,785 5,167 1,709 KB 65,823 59,111 29,348 10,761 KB 201,267 58,117 52,033 (40,058) KB 28,589 21,067 39,364 2,405 KB 157,701 24,389 61,510 (6,392) Kookmin Bank HK Ltd 292,122 65,028 16,770 8,235 KB Int'l Ltd(London) 341,033 55,795 13,895 2,012 IT 5,620 5,620 41 (1,613) 02-4 30,799 30,536 477 536 (1,538,160) (410,985) (219,673) 15,414 182,775,284 9,187,300 21,193,234 550,732 144
2004 20031231 ( : ) 2004 2003 KB 17,423 (432 9,624 (484) 316-191 - KB 13,318-13,780-98 - 34-12,047 (418) 5,582 (265) 5,596 (19,694) 2,832 (15,925) 1,100 (19) - - - - - 53 KB - 1 40 3 22 82 26 77 4,410 (307) 9,793 (497) 5,000 (122) - - 1,614-1,663 - - 11-9 - (523) - (187) Kookmin Bank Luxembourg SA - 70 51,784 2,215-184 76,659 739 - - 176 2,900 - (178) 140,880 (193) - - - (1,352) Kookmin Bank International 2,762 29 33,754 904 242,005 3,142 95,824 1,765 1,005 637 405 477 101,812 (547) 108,272 (501) - (2,190) 1,203 (4,011) - (2,378) - (1,398) Kookmin Bank Hong Kong Ltd 619 61 372 857 170,661 4,380 98,579 1,802 540-152 109 12,145 (22) 173,121 (4) - (1,802) - (1,777) KB 25,729 (866) 46,244 (1,250) 524-234 (5) KB 33,961 2,035 25,000 2,578 14 - - - 168 (43) 1,838 (27) 1,748-1,755 - - 152 - - 70,808-139,425 - KB 14,301 (385) 11,446 (457) 8,062-8,482-32,938 (38,481) 145
2004 2003 KB 3,037 - - - 4,622 (51) - - 2,581 - - - - 17,801 - - - 54 - - 146