kb fg.1h11 presentation

8/6/2019 KB FG.1H11 Presentation

1/19

July 29, 2011

2011 First Half Earnings Release


2/19

1

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


3/19

2

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


4/19

3

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


5/19

4

II . Financial Performance

Group Profitability Overview

Group Profitability Analysis

Bank Profitability Overview

Group Assets / Liabil it ies


6/19

5

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

* * * * *


7/19

6

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


8/19

7

Group Profitability Analysis Net Fee & Commission Income

Quarterly1H11

86.6Net Fee &Commission Income

bn won

22.071.0-43.343.3


[ Bank[ Bank ]]



Quarterly1H11

72.9Net Fee &Commission Income

bn won

--128.422.250.7


* 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


* 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

*


9/19

8

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 ]]



Quarterly

-37.2

2Q


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


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




10/19

9

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


[ Bank[ Bank ]]



10.198.9-4.855.853.1108.9Employee Benefits &Other G&A Expenses

Quarterly

-31.9

2Q


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


bn won

--N.A.-0.1-2.0

YoY(%)1H10QoQ(%)1Q

1H11



Group Cost Income Ratio (Cumulative, %)

**


Bank Cost Income Ratio (Cumulative, %)


** 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


11/19

10

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


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


12/19

11

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

** ** ** ** **


13/19

12

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


14/19

13

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


15/19


16/19

15

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


17/19

16

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


18/19

17

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


19/19

18

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%

kb fg.1h11 presentation

Documents