Post on 07-Apr-2018
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July 29, 2011
2011 First Half Earnings Release
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Contents
I . Highlights
II . Financial Performance
II I. Group Asset Quality
The consolidated financial information of KB Financial Group Inc. (the Group) for the first half of 2011 presented herein is based
on the Korean equivalent of International Financial Reporting Standards (Korean IFRS) and is currently being reviewed by theGroups independent auditor and, accordingly, is subject to change. The consolidated financial information of the Group forfiscal year 2010 that is presented herein is based on Korean IFRS, and has been prepared and is being presented for comparativepurposes only and is subject to change based on the results of the review by the Groups independent auditor.
In addition, on March 2, 2011, KB Financial Group established a new credit card subsidiary, KB Kookmin Card Co., Ltd., byspinning off the credit card business from Kookmin Bank. Accordingly, income and expenses of the Groups credit card businessfor the periods prior to March 2, 2011 are attributed to Kookmin Bank while such income and expenses for the period from March2 to March 31, 2011 are attributed to KB Kookmin Card Co., Ltd.
DISCLAIMER
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614
-217
91
-341
758817
154*
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
2,464
2,290
1,8921,894
1,713
2,055
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
260.9 263.2 263.7 252.3248.9254.5
13.512.46.46.35.8
8.87.67.2
79.3
71.766.0 65.2
75.9
68.1
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Bank Credit Card Other Non-Bank Trusts & AUM
332.7 334.7 338.2 333.4
344.8353.9
I . Highlights I
Profit for 1H11KRW 1,574.9 bn
Net Operating Income
before Provision forCredit LossesKRW 4,754.4 bn
Total AssetsKRW 354 tn
[Incl. Trusts & AUM]
* Excluding 4Q10 ERP related expenses
Profit for 1H11 soared YoY mainly due to :
- Strong interest income from loan growth andNIM expansion
- Sharp decrease in provisioning expenses
(asset quality improvement)
Net Operating Income before Provision for Credit
Losses also showed a meaningful improvementYoY driven by increased revenues in both interest
and non-interest income.
Bank Assets : KRW 252.3 tn
Credit Card Assets : KRW 13.5 tn
Other Non-Bank Assets : KRW 8.8 tn
Trusts Assets & AUM : KRW 79.3 tn
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I. Highlights II
Provisioning expenses decreased significantly
due to conservative risk management and
continuous efforts for asset quality improvement.
ROA ROE
Group Bank
Provision forCredit Losses for 1H11
KRW 718.1 bn
ROA 1.20%
ROE 16.22%[Annualized, Cumulative]
* Applying impact from treasury stock sale on July 8, 2011
- Basel I, Provisional figures - Figures for FY 2010 based on K-GAAP
* Applying impact from treasury stock sale on July 8, 2011
- Basel II, Provisional figures
* Includes additional provisions for the 3rd round of corporate restructuring
and preemptive provisions applying forward-looking criteria
BankBIS Ratio 13.33%
Tier I 10.70%Core Tier I 10.20%
- Figures for FY 2010 based on K-GAAP
13.89 13.01 1 3.4 4 1 3.4 4 13.56 13.33
14.62*
10.8911.2311.31 10.94 10.5610.70
11.29*
10.20
9.7810.1810.29
10.0310.38
10.80*
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
BIS Tier I Core Tier I
13.0113.4013.0813.11
12.76
13.3514.01*
9.969.68
9.979.89 9.68 9.91
10.91*
9.25 8.97 9.12 8.899.35
9.53
10.53*
Q10 2Q10 3Q10 4Q10 1Q11 2Q11
BIS Tier I Core Tier I
485644 612
414
1,130*
304
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
1.17
0.30
0.95
0.250.06
1.20
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
13.38
4.30
3.48
0.79
16.0416.22
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
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II . Financial Performance
Group Profitability Overview
Group Profitability Analysis
Bank Profitability Overview
Group Assets / Liabil it ies
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1,471 1,6131,744
1,4711,5551,673
500617
279242 423
720
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Net Interes t Incom e Net Non-Interes t Incom e
2,055
1,7131,894 1,892
2,2902,464
Group Profitability Overview Condensed Income Statement
bn won 1H11Quarterly
QoQ(%) 1H10 YoY(%)2Q 1Q
Net Interest Income 3,416.9 1,743.6 1,673.3 4.2 3,025.3 12.9
Net Fee & Commission Income 997.3 414.3 583.0 -28.9 865.4 15.2
Net Gains (Losses) on FVTPL* 605.0 307.3 297.7 3.2 106.5 468.1
Other Operating Income (Expenses) -264.8 -1.1 -263.7 N.A. -229.1 N.A.
Net Operating Income beforeProvision for Credit Losses
4,754.4 2,464.1 2,290.3 7.6 3,768.1 26.2
Provision for Credit Losses 718.1 303.6 414.5 -26.8 1,615.4 -55.5
Net Operating Income (Expenses) 4,036.3 2,160.5 1,875.8 15.2 2,152.7 87.5
G&A Expenses 1,880.3 1,005.2 875.1 14.9 1,819.8 3.3
Operating Profit 2,156.0 1,155.3 1,000.7 15.4 332.9 547.6
Non-Operating Income -53.9 -69.7 15.8 N.A. 59.1 N.A.
Profit before Income Tax 2,102.1 1,085.6 1,016.5 6.8 392.0 436.3
Profit for the period 1,610.3 830.9 779.4 6.6 435.1 270.1
Profit attributable to equityholders of the parent entity
1,574.9 817.4 757.5 7.9 397.0 296.7
* FVTPL: (Financial Assets/Liabilities at) Fair Value Through Profit and Loss
Net Interest / Non-Interest Income (bn won)
Net Operating Income (Expenses) (bn won)
Profit by Subsidiaries (Cumulative, bn won)
Bank Invest-ment &
Sec.
AssetMgmt.
RealEstate
Trust
Invest-ment
CreditInfo.
DataSystems
LifeInsu-
rance
Credit
Card
* Non-consolidated basis[ Note : Profit for Credit Card is since its spin-off on March 2, 2011 ]
8.81.3
5.04.3
15.0
0.3
1,600.4
81.9
20.5
1,570
583
1,250 1,280
1,876
2,161
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
* * * * *
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Group NIM (%)
Quarterly
1,554.2
17.6
394.0
1,114.9
1,526.5
34.4
333.4
2,712.9
3,080.7
1Q
-34.51,105.5-16.1330.6724.6Interest on Borrowingsand Debentures
-5.6700.3-1.6328.0661.4Interest on Securities
2.82,954.1-4.61,482.93,037.1Net Interest Income
-1.52,366.99.01,215.52,330.4Interest on DepositaryLiabilities
41.323.5-11.415.633.2Other Interest Expenses
-5.15,683.4-1.32,678.05,390.9Interest on Loans
10.166.312.238.673.0Other Interest Income
Interest Expenses
Interest Income
bn won
-11.73,495.92.31,561.73,088.2
-5.06,450.0-1.23,044.66,125.3
YoY(%)1H10QoQ(%)2Q
1H11
[ Bank[ Bank ]]
Quarterly
211.0123.6
225.6
109.0
334.6
2Q
--181.375.0286.0Net Interest Income
--197.836.6145.6Cash Advance
--187.478.5304.1Card Loans, etc.
Interest Expenses
Interest Income
bn won
--208.240.1163.7
--190.7115.1449.7
YoY(%)1H10QoQ(%)1Q
1H11
[ Credit Card[ Credit Card ] *] *
[ Other Non[ Other Non--BankBank ] *] *
Quarterly1H11
103.0Net Interest Income
bn won
30.578.96.449.953.1
YoY(%)1H10QoQ(%)1Q2Q
* Since Credit Card spin-off on March 2, 2011
* Simple arithmetic sum of Other Non-Bank Subsidiaries
Group Net Interest Income (bn won)
* Group NIM : Bank NIM + Credit Card NIM (including credit card merchant fees)
Group Profitability Analysis Net Interest Income
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Bank Credit Card Other Non-Bank
21175
53
50
46
1,5541,483
1,574
1,4311,4351,520
413844
3.062.89
2.62
2.85 2.75 2.70
2.74
3.07
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Group Quarterly Group Cumulative
2.65
3.06
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Group Profitability Analysis Net Fee & Commission Income
Quarterly1H11
86.6Net Fee &Commission Income
bn won
22.071.0-43.343.3
YoY(%)1H10QoQ(%)1Q2Q
[ Bank[ Bank ]]
[ Credit Card[ Credit Card ] *] *
[ Other Non[ Other Non--BankBank ] *] *
Quarterly1H11
72.9Net Fee &Commission Income
bn won
--128.422.250.7
YoY(%)1H10QoQ(%)1Q2Q
* Credit Card fees prior to its spin-off on March 2, 2011** Includes KRW 138 bn proceeds from winning a lawsuit regarding National Housing Fund Commissions
* Since Credit Card spin-off on March 2, 2011
* Simple arithmetic sum of non-bank subsidiaries
Quarterly
852.1
459.1
107.8
74.9
98.5
111.8
1H11
-68.2339.5N.A.107.8-Credit Card Fee
36.672.1-15.253.345.2Bancassurance
-26.2151.5-1.456.355.5Represent Securities(Incl. ITC Products)
2.9828.1-37.4523.9328.2Net Fee &Commission Income
27.258.9-11.339.735.2Trusts
122.8206.1-27.9266.8192.3F/X & Others
bn won YoY(%)1H10QoQ(%)1Q2Q
*
**
Group Net Fee & Commission (bn won)
Bank Net Fee & Commission (bn won)
* Includes KRW 138 bn proceeds from winning a lawsuitregarding NHF Commissions
79 73 65 61 56 5634 38 38 37 53 45
168 172 167
129 135 133
227108154
307138
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Represent Secur ities Bancassurance Credit Card Fee Other
410 418 408 385328
524
410 418 408 385524
328
413932
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Bank Credit Card Other Non-Bank
39
43
4322
51
*
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Group Profitability Analysis Net Gains (Losses) on FVTPL & Other Operating Incom e
Quarterly
-82.3
-164.2
435.0
188.5
265.8
26.1
291.9
2Q
N.A.81.5N.A.-187.6-351.8Gains (Losses) on F/X andHedging Derivatives
Other **
Gains (Losses) on Sale ofAFS/HTM Securities
-67.8133.754.416.943.0Gains (Losses) on Sale of Securities
N.A.-386.9N.A.-134.5-216.8
608.368.9720.853.0488.0
N.A.-50.91.1263.0528.8Gains (Losses) on Derivatives
Other Operating Income (Expenses)
Net Gains (Losses) on FVTPL*
bn won
N.A.-236.5N.A.-269.1-80.6
590.682.84.3279.9571.8
YoY(%)1H10QoQ(%)1Q
1H11
[ Bank[ Bank ]]
[ Credit Card[ Credit Card ] *] *
[ Other Non[ Other Non--BankBank ] *] *
Quarterly
-37.2
2Q
Other Operating Income (Expenses)
bn won
--N.A.12.8-24.4
YoY(%)1H10QoQ(%)1Q
1H11
40.123.7-10.317.515.733.2Net Gains (Losses) on FVTPL
Quarterly
-4.2
2Q
Other Operating Income (Expenses)
bn won
N.A.-11.4N.A.-0.7-4.9
YoY(%)1H10QoQ(%)1Q
1H11
* FVTPL: (Financial Assets/Liabilities at) Fair Value Through Profit and Loss
** Includes Deposit Insurance Fees and Contribution to Credit Guarantee Fund
* Since Credit Card spin-off on March 2, 2011
* Simple arithmetic sum of non-bank subsidiaries
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Group Profitability Analysis G&A Expenses / Non-Operating Income
Quarterly1H11
-27.6
-1.7
-29.3
733.7
133.9
799.1
1,666.7
N.A.15.8N.A.3.8-5.5Income (Loss) fromEquity Method Investments
-10.7149.94.465.568.4Depreciation & Amortization
N.A.19.4N.A.5.7-33.3Other Non-Operating Income
-4.2833.715.5370.8428.3Employee Benefits
-2.7753.84.4359.0374.7Others (AdministrativeExpenses & Taxes)
Non-Operating Income
G&A Expenses
bn won
N.A.35.2N.A.9.5-38.8
-4.11,737.49.6795.3871.4
YoY(%)1H10QoQ(%)1Q2Q
[ Bank[ Bank ]]
[ Credit Card[ Credit Card ] *] *
[ Other Non[ Other Non--BankBank ] *] *
10.198.9-4.855.853.1108.9Employee Benefits &Other G&A Expenses
Quarterly
-31.9
2Q
Non-Operating Income
bn won
N.A.14.2N.A.3.1-28.8
YoY(%)1H10QoQ(%)1Q
1H11
--189.528.783.1111.8Employee Benefits &Other G&A Expenses
Quarterly
-1.9
2Q
Non-Operating Income
bn won
--N.A.-0.1-2.0
YoY(%)1H10QoQ(%)1Q
1H11
* Since Credit Card spin-off on March 2, 2011
* Simple arithmetic sum of non-bank subsidiaries
Group Cost Income Ratio (Cumulative, %)
**
* Excluding 4Q10 ERP related expenses
Bank Cost Income Ratio (Cumulative, %)
* Excluding 4Q10 ERP related expenses
** Including Credit Card prior to the credit card spin-off on March 2, 2011
47.1 49.1 50.1
58.1
38.1 39.549.4*
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
38.038.0
57.4
49.348.346.9
48.4*
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
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Bank P rofitability Overview *
Quarterly
859.9
860.0
1,125.7
-38.8
1,164.5
871.4
2,035.9
255.6
2,291.5
188.5
291.9
328.2
1,482.9
2Q
Provision for Credit Losses
325.8375.916.1740.61,600.6Profit for the period
N.A.35.2N.A.9.5-29.3Non-Operating Income
-4.11,737.49.6795.31,666.7G&A Expenses
2.9828.1-37.4523.9852.1Net Fee & Commission Income
590.682.84.3279.9571.8Net Gains (Losses) on FVTPL**
87.62,018.216.31,750.13,786.0Net Operating Income (Expenses)
-63.11,610.3-24.6338.8594.4
325.5376.116.1740.51,600.4Profit attributable to equityholders of the parent company
Profit before Income Tax
Operating Profit
Net Operating Income beforeProvision for Credit Losses
Other Operating Income (Expenses)
Net Interest Income
bn won
561.4316.016.7964.32,090.0
654.7280.822.0954.82,119.3
20.73,628.59.72,088.94,380.4
N.A.-236.5N.A.-269.1-80.6
2.82,954.1-4.61,554.23,037.1
YoY(%)1H10QoQ(%)1Q
1H11
* Bank Consolidated, includes Credit Card prior to its spin-off on March 2, 2011
** FVTPL: (Financial Assets/Liabilities at) Fair Value Through Profit and Loss
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Group Assets / Liabilities
-3.2-3.23.2Property and equipment
79.3
353.9
21.2
21.0
28.5
14.3
185.0
1.7
271.7
13.5
206.434.9
4.8
8.9
271.7
2011.6
71.7
333.4
19.7
17.0
29.1
11.7
179.9
1.3
258.7
10.9
197.636.2
4.0
6.8
258.7
2010.12
4.6
2.6
1.0
-4.5
-1.4
3.6
3.2
13.3
2.0
-6.3
2.6-5.2
9.1
39.1
2.0
QoQ(%)
AUM
Shareholders Equity
Other Liabilities
Debentures
Debts
Deposits
FVTPL* Liabilities
Other Assets
LoansFinancial Investments
FVTPL* Assets
Cash & Due fromFinancial Institutions
10.675.8
6.1344.8Group Total Assets **
7.621.0
23.522.0
-2.128.9
22.213.8
2.8179.2
30.81.5
5.0266.4Liabilities &Shareholders Equity
23.914.4
4.5201.2-3.636.8
20.04.4
30.96.4
5.0266.4Assets
YTD(%)2011.3tn won
* FVTPL: Fair Value Through Profit and Loss
** Simple arithmetic sum of all subsidiaries assets (Incl. Trusts and AUM)
* Based on each subsidiaries assets (Incl. Trusts and AUM)
** Non-consolidated basis
Bank Invest-ment &Sec.
AssetMgmt.
RealEstateTrust
Invest-ment
CreditInfo.
DataSystems
LifeInsu-rance
CreditCard
Assets by Subsidiaries* (bn won)
34
269,696
13,451
11,887
4,034
24,205
30,010
514
31
** ** ** ** **
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Household
Corporate
()
Loans in Won & Credit Card
7.930.54.831.432.9[SOHO]
180.8
14.9
65.0
79.9
35.3
57.7
43.2
100.9
2011.6
3.8174.22.1177.0Loans in Won
4.2
1.2
1.8
4.1
3.4
1.2
2.4
QoQ(%)
14.2
62.1
76.3
32.9
55.2
42.7
97.9
2010.12
14.3
64.2
78.5
33.9
55.8
42.7
98.5
2011.3
Large Corp.
SME
[Home Equity]
General
Mortgage
4.9
4.7
4.7Corporate *
7.3
4.5
1.2
3.1Household
YTD(%)tn won
3.0
2.3
6.9
12.2
2011.6
3.4
4.5
-2.8
-
QoQ(%)
2.9
2.2
7.3
12.4
2010.12
2.9
2.2
7.1
12.2
2011.3
Card Loans
Cash Advance
Credit Sales
3.4
4.5
-5.5
-1.6Credit Card
YTD(%)tn won
[ Credit Card[ Credit Card ]]
[ Bank : Loans in Won[ Bank : Loans in Won ]]
* Includes Private Placement Bonds
Credit Card (tn won)
Bank : Loans in Won (tn won)
12.212.212.412.011.711.711.411.311.311.6
'09 .03 '09.06 '09.09 '09 .12 '10.03 '10.06 '10 .09 '10.12 '11 .03 '11.06
97.9 98.5100.9
96.697.196.497.197.398.4 98.5
'09.03 '09.06 '09.09 '09.12 '10.03 '10.06 '10.09 '10.12 '11.03 '11.06
80.7 80.9 81.5 77.3 77.5 78.2 77.8 76.3 78.5 79.9
'09.03 '09.06 '09.09 '09.12 '10.03 '10.06 '10.09 '10.12 '11.03 '11.06
179.1 179.4 178.8
174.4 173.9 175.3 174.4 174.2177.0
180.8
'09.03 '09.06 '09.09 '09.12 '10.03 '10.06 '10.09 '10.12 '11.03 '11.06
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201.2
15.2
2.7
114.2
125.5
57.8
186.0
2011.6
-2.3205.92.9195.6Total (a+b)
-3.2
-18.2
5.9
5.0
1.2
3.4
QoQ(%)
15.7
3.3
107.8
119.5
57.1
179.9
2011.3
CD, RP, etc.
[Time Deposits]
Time & Savings
Core Deposits
-39.925.3Debentures in Won (b)
-15.63.2
7.6106.1
5.5119.0
-1.058.4
3.0180.6Deposits in Won (a)
YTD(%)2010.12tn won
98.998.698.5
129.1
105.3114.3
121.8124.0126.9
100.6
1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
* Core and Time & Savings Deposits
[ Bank : Deposits & Debentures in Won ][ Bank : Deposits & Debentures in Won ]
[ Credit Card ][ Credit Card ]
Bank : Deposits in Won (%)
Bank : Loan to Deposit Ratio (Excl. CD, etc., %)
46. 3 45. 6 45.1 46.7 51.257.1
17. 9 17. 3 15.612.5
5.7 3.8 1.8
28.8 29.3 30.2 30.1 29.129.1 29.9
29. 2 31. 8 31.1
61.459.958.8
59.7
6.5
7.0 7.2 7.47.6
7.2
7.37.37.1 6.1
17.9
3.8 1.4
1 Q0 9 2 Q0 9 3 Q0 9 4 Q0 9 1 Q1 0 2 Q1 0 3 Q1 0 4 Q1 0 1 Q1 1 2 Q1 1
Core Deposits Time Deposits
Sav ings Deposits CD, RP, etc.
82.1%*98.6%*
Bank and Credit Card Funding Overview
----0.7CP
0.1
9.1
9.9
2011.6
-50.0
3.4
10.0
QoQ(%)
0.2
8.8
9.0
2011.3
Borrowings
Debentures
--
--
--Total Funding
YTD(%)2010.12tn won
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Bank Asset Quality Overview
Corporate[ Delinquency Ratio[ Delinquency Ratio ]]
Household
0.181.07-0.031.281.25Corporate
1.08
0.90
2011.3
1.00
0.94
2010.122011.6
1.10
0.96
0.100.02Delinquency
0.02
YTD(%p)QoQ(%p)%
0.06Household
--16.3878.51,021.9Reserve forCredit Losses *
115.6%
3,635.0
2.02%
3,903.5
763.3
1,220.0
1,920.2
4,371.2
185,323.6
193,598.3
2011.3
8.3%p
-4.0
-0.18%p
-6.8
45.6
-36.5
-8.7
-5.6
2.6
2.2
QoQ(%)
123.9%
3,488.1
1.84%
3,639.7
1,111.1
774.6
1,754.0
4,124.6
190,065.8
197,830.1
2011.6
114.8%
4,101.3
1.87%
3,572.5
497.3
1,129.1
1,946.1
4,750.2
182,973.9
191,296.6
2010.12
3.4Total Loans for NPLClassification
Estimated Loss
Doubtful
Substandard
Precautionary
Normal
YTD(%)bn won
9.1%pNPL Coverage Ratio **
1.9Substandard &Below Loans
-9.9
-13.2
-15.0
-0.03%p
123.4
-31.4
3.9
NPL Ratio
Loan Loss Reserves
3Q20091Q 2Q 4Q
20101Q 2Q 3Q 4Q
20111Q
Bank Delinquency Ratio (%)
2Q
3Q20091Q 2Q 4Q
20101Q 2Q 3Q 4Q
20111Q 2Q
3Q20091Q 2Q 4Q
20101Q 2Q 3Q 4Q
20111Q 2Q
[ Note : Figures for FY 2010 are based on K-GAAP while figures for FY 2011 are based on K-IFRS.]* Excluding Reserve for Credit Losses for Undrawn Commitment, etc.
** Including Reserve for Credit Losses
1.251.281.07
1.461.26
0.99 1.02
0.56
1.12 1.05
0.780.61 0.55
0.63 0.640.82 0.99 0.94 0.90 0.96
1.100.930.87
0.600.780.79
1.011.21
1.00 1.08
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Credit Card Asset Quality Overview
1.491.02
1.221.241.261.081.281.621.65
1.13
[ Delinquency Ratio[ Delinquency Ratio ]]
0.581.000.461.121.58Credit Sales & Cash Advance
0.151.070.061.161.22Card Loans
1.13
2011.3
1.02
2010.122011.6
1.49 0.47
YTD(%p)QoQ(%p)%
0.36Credit Card Delinquency
--N.A.0.164.8Reserve forCredit Losses *
300.6%
373.9
0.96%
124.4
48.0
67.3
9.1
143.2
12,734.8
13,002.4
2011.3
313.3%
379.8
1.11%
141.9
60.5
73.8
7.6
226.7
12,447.1
12,815.7
2011.6
334.9%
282.0
0.64%
84.2
41.5
38.9
3.8
183.2
12,953.0
13,220.4
2010.12
12.7%p
1.6
0.15%p
14.1
26.0
9.8
-17.6
58.3
-2.3
-1.4
QoQ(%)
-3.1Total Loans forNPL Classification
Estimated Loss
Doubtful
Substandard
Precautionary
Normal
YTD(%)bn won
-21.6%pNPL Coverage Ratio **
45.8Substandard &Below Loans
97.4
23.7
34.7
0.47%p
45.8
90.0
-3.9
NPL Ratio
Loan Loss Reserves
3Q20091Q 2Q 4Q
20101Q 2Q 3Q 4Q
20111Q
Card Loan Delinquency (%)
1.58
1.001.231.271.25
1.011.171.471.51
1.12
3Q20091Q 2Q 4Q
20101Q 2Q 3Q 4Q
20111Q
1.221.071.181.14
1.281.321.64
2.142.11
1.16
Credit Sales & Cash Advance Delinquency (%)
Credit Card Delinquency Ratio (%)
2Q
2Q
3Q
2009
1Q 2Q 4Q
2010
1Q 2Q 3Q 4Q
2011
1Q 2Q
[ Note : Figures for FY 2010 are based on K-GAAP while figures for FY 2011 are based on K-IFRS.]* Excluding Reserve for Credit Losses for Undrawn Commitment, etc.
** Including Reserve for Credit Losses
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Group Provisions & NPL Coverage Ratio by Sector
379.8
2,893.2
594.9
3,488.1
Loan LossReserves
Coverage Ratio ** (%)2011. 6
64.8
4.0
1,017.9
1,021.9
ReserveFor Credit
Losses *
141.9
2,754.8
884.9
3,639.7
NPL
300.6
104.3
151.7
115.6
2011.3
313.3
105.2
182.3
123.9
2011.6
8.3Bank
Corporate
Household
QoQ(%p)bn won
12.7Credit Card
0.9
30.6
Quarterly
310.2
50.0
172.4
87.8
260.2
2Q
47.873.7-15.158.9108.9Credit Card
399.2
284.6
55.7
340.3
1Q
709.4
457.0
143.5
600.5
1H11
1,616.6
1,415.1
127.8
1,542.9
1H10
-22.3
-39.4
57.6
-23.5
QoQ(%)
-61.1Bank
Corporate
Household
YoY(%)bn won
-56.1Total
-67.7
12.3
Bank LLP by Sector (bn won)
Credit Card LLP (bn won)
[ Loan Loss Provisions (LLP) by Sector[ Loan Loss Provisions (LLP) by Sector ]]
[ NPL Coverage Ratio by Sector ][ NPL Coverage Ratio by Sector ]
* Excluding Reserve for Credit Losses for Undrawn Commitment, etc.** Including Reserve for Credit Losses
65 63 72 73 56 88
992
423 470 285515
172
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Hous ehol d Cor por ate
42 32 25 3559 50
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
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Group Provisions by Sector
Group Provision for Credit Losses (PCL)
Group PCL / Group Total Assets (consolidated)
88
56
7372
6365
0.35%
0.23%0.30%0.30%
0.26%0.27%0.28%
Group Total Provisions (bn won) Bank / Household LLP (bn won)
Bank / Corporate LLP (bn won) Credit Card LLP (bn won)
1Q10 2Q10 3Q10 4Q10 1Q11
Loan Loss Provisions LLP / Total Household Assets
1Q10 2Q10 3Q10 4Q10 1Q112Q11 2Q11
0.29%
Loan Loss Provisions LLP / Total Corporate Assets Loan Loss Provisions LLP / Total Credit Card Assets
42 3225
35
5950
1.35%1.01%
0.79%1.08%
1.80% 1.55%1.06%
172
470
515
423
992
285
1.79%
4.17%
2.15%2.00%
1.21%0.72%
2.53%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
0.96%
1.69%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
415
1,130
485
612
304
644
0.75%
0.45%0.63%
0.93%0.96%
1.70%
1.10%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
0.54%