2011

1. 1 25. 38

2. 3 26. 47

3. 3 27. 55

4. 4 28. 57

5. 5 29. 60

6. 6 7. 6 30. 62

8. 8 31. 65

9. 9 32. 66

10. 9 33. 68

11. 9 34. 69

12. 10 35. 69

36. 69 13. 11 37. 70

. 11 38. 80

. 12 39. 86

. 13 40. 87

. 14 41. 91

. 14 42. 91

. 17 43. 92

. 17 44. 98

14. 18 45. 103

15. () 19 16. 20 46. ~ 51. ( ) 109

52. ~ 57. ( ) 109 17. () 21 18. 22 58. 110

19. 24 59. 111

20. 25 60. () 112

21. 26 61. 113

22. , , 28 62. 115

23. 29 63. 116

24. 31

41 .

.

2011 | 1

1.

KB

.

,

,

.

KB ,

2

.

, . , 200

, KB

200 .

(NCSI) 6 1, (KCSI) 5 1 KB .

!

2012

. ,

.

KB 2011

, 2012

4 .

, .

Clean ,

. , .

2011 | 2

, .

, , .

, .

,

.

, .

,

.

4 ()

,

.

.

,

.

.

2012 3 30

2011 | 3

2.

3.

2011 | 4

4.

2001.11.01 ( : )

2001.11.09

2002.12.04 ING

2003.09.30

2003.12.16 Sorak Financial Holdings Pte.Ltd.() BII

2003.12.19

2003.12.19 ( ING Bank N.V. Amsterdam)

2004.04.29 KB

2004.06.02 KB

2004.08.31 ING KB

2004.12.31 (ING Bank N.V. Amsterdam Euro-Pacific Growth Fund)

2005.01.01 3 (,,)

2005.03.21 (Euro-Pacific Growth Fund ING Bank N.V. Amsterdam)

2005.06.16 27,423,761 DR

2005.07.26

2005.10.10 (ING Bank N.V. Amsterdam Euro-Pacific Growth Fund)

2006.02.02 ' BIS '

2007.04.27

2007.11.14 ( 95.8%)

2007.12.31

2008.02.20 (Euro-Pacific Growth Fund )

2008.03.11 KB

2008.03.14 JSC Bank CenterCredit

2008.03.20

2008.06.27 KB()

2008.08.07 ING MOU

2008.08.27 JSC Bank CenterCredit 23%

2008.09.29 KB , ( KB)

2008.09.30 Sorak Financial Holdings Pte.Ltd.()

2008.10.27

2008.12.04 JSC Bank CenterCredit 7.5%

2008.12.05

2008.12.17 (NCSI) 3 1 ()

2011 | 5

2009.05.04 Kookmin Bank Cambodia PLC.(KB) 51%

2009.05.14 10

2009.06.22 KB KB

2009.09.25 International Finance Corporation JSC Bank CenterCredit

2009.11.04 IT 'ISO/IEC 27001' ( )

2009.12.16 (NCSI) 4 1 ()

2009.12.17 'KB()'

2010.02.16 'MyStar'

2010.02.24 JSC Bank CenterCredit 42% ( , 29.56%)

2010.07.06

2010.07.29 4

2010.12.15 (NCSI) 5 1 ()

2011.01.20 'star Zone'

2011.02.28

2011.06.24

2011.10.21

2011.11.21

2011.12.20 (NCSI) 6 1 ()

2011 | 6

5. .

.

( : )

1,1081) 57 - 1,165

72) - 2 9

1,115 57 2 1,174 1) 1 2)

.

( : )

2011 2010

C D - -

A T M 9,513 9,338

- -

Paywell : 1,749 : 692 Paywell : 1,722

: 672

11,954 11,732

2011 | 7

6. ( : )

2011 2010

3 - 3 3 - 3

5 - 5 5 - 5

1 - 1 1 - 1

56 - 56 60 - 60

11,228 50 11,278 11,617 30 11,647

4,724 77 4,801 4,905 62 4,967

- 1 1 - 1 1

16,017 128 16,145 16,591 93 16,684

)

7. (2012. 2. 29 )

- -

- -

- -

- -

- -

- -

- - -

- - SC

KB (CFO)

- -

) 2012.3.23.

2011 | 8

8. .

()

Kookmin Bank Hong Kong Ltd. 1995.7.20 USD 20 2,000,000 100.00%

Kookmin Bank Int'l Ltd. (London) 1991.11.2 USD 30 20,000,000 100.00%

Kookmin Bank Cambodia PLC.

2008.7.1 (2009.5.4) USD 16 170,202 53.19%

SPE (7)

(), KB Mortgage Loan No. 1 Limited, , , (), KB Covered Bond First International Limited,

(22)

KB26(), KB28(), 3-23[], 25, 47(), KDB3[], PCAA-10[], NH-CA3-4(), KB39(), 3(), Tomorrow7(),

HighPlusN-20(), 25(), H-1(), 87, KB46(), KDB8(), 45(), 5(), 6-11(), Tomorrow9(), 26()

(2) ,

. 1)

()

JSC Bank CenterCredit2)

1988.9.19 (2008.8.27)

KZT 69,797

84,584,715 41.93%

2009.10.1 2,430 85,050 17.50%

1) 15% 2) JSC Bank CenterCredit(BCC) 2011 BCC .

, 29.56%

2011 | 9

9.

. ( : )

()

2009.03.27 60,000,000 3,000 24,819

2011.03.02 (92,000,000) (4,600) 20,219

) 3

.

( : , %)

(3) 2011.03.24 2016.12.24 5,000 4.80 AA+

(3) 2011.11.24 2017.08.24 5,000 4.27 AA+

. :

10.

() (%)

KB 404,379,116 100.00

11.

.

(%) (%)

- - - - - - - - - - - - - - - -

- - - - 1 100.00 404,379,116 100.00

- - - - - - - -

1 100.00 404,379,116 100.00

2011 | 10

.

(%) (%)

1 1 100.00 404,379,116 100.00 5 - 1 - - - - 1 - 5 - - - - 5 - 1 - - - - 1 - 5 - - - - 5 - 1 - - - - 1 - 5 - - - -

1 - - - -

1 100.00 404,379,116 100.00

12.

( : %, )

2011 2010

32.54 -

1,627 -

4,788 23

32.76 -

1) , : 2011 K-IFRS , 2010 K-GAAP

2) 2011 : 37.26% 3) () : 6.46% ( : 2009.3.31 / : 1 / 2011.4

0.4 , 2011.12 )

2011 | 11

13.

.

( : , %, %p)

2011 2010

(A) 41,908 32,004 9,904

(B) 16,439 33,030 -16,591

14,079 27,264 -13,185

147 971 -824

1,875 1,630 245

97 345 -248

241 2,820 -2,579

(C) 1,693 198 1,495

- - -

1,238 12 1,226

48 - 48

407 186 221

(D) 7,076 -940 8,016

(A-B+C-D) 20,086 112 19,974

() 2,426 - 2,426

17,660 112 17,548

(ROA) 0.69 0.004 0.69

(ROE) 9.76 0.06 9.70

(A-B) 2.94 3.37 -0.43

(A) 5.85 6.27 -0.42

(B) 2.91 2.90 0.01

(NIM) 2.50 2.77 -0.27

1) 2011 K-IFRS , 2010 K-GAAP 2) 2011 ,

()

2) ROA, ROE : 2011 1

2011 | 12

.

( : )

2011 2010

2.6 1.8 0.8

126.8 105.4 21.4

124.6 103.9 20.7

117.1 99.5 17.6

112.2 96.2 16.0

1

() 15,966 17,928 -1,962

1,801 1,668 133

1,770 1,644 126

1,664 1,575 89

1,594 1,523 71

1

() 1,124 1,132 -8

1) 2011 K-IFRS , 2010 K-GAAP 2

2011 | 13

. 1) ( : , %, %p)

2011 2010

2,022,457 2,045,170 -22,713

992,480 931,797 60,683

1,029,977 981,169 48,808

2) - 132,204 -

28,945 36,567 -7,622

1.43 1.79 -0.36 20,377 27,285 -6,908

2.05 2.93 -0.88

8,568 8,440 128

0.83 0.86 -0.03 842

2) - 0.64

-

22,465 25,915 -3,450

1.11 1.27 -0.16 14,685 17,379 -2,694

1.48 1.87 -0.39

7,780 7,788 -8

0.76 0.79 -0.03 748

2) - 0.57

-

(A/B) 158.94 119.87 39.07

(A) 46,004 43,833 2,171

(B) 28,945 36,567 -7,622

0.87 1.00 -0.13 () 1.12 1.28 -0.16 4) 0.88 1.00 -0.12 () 1.39 1.51 -0.12

4) 0.89 0.94 -0.05 () 0.98 1.00 -0.02

2) 1.02

3)

() -

1.33 -

1) 2011 K-IFRS , 2010 K-GAAP

2) 2011 1 (: 2011.2.28) KB

3) 1

4) / .

/ 2011 0.84% / 0.89%, 2010 1.07% / 0.94%.

2011 | 14

. ( : %, %p)

2011 2010

119.16 126.13 -6.97

114.82 107.07 7.75

105.24 95.24 10.00

18.51 18.43 0.08

) 2011 K-IFRS , 2010 K-GAAP

. (1) B/S

( : )

2011 2010

20,219 24,819

- -

42,851 62,676

123,599 89,664

3,415 16,448

190,084 193,607

) 2011 K-IFRS , 2010 K-GAAP (2) BIS

( : , %, %p)

2011 2010

BIS (A) 196,684 208,006 -11,322

(B) 1,451,850 1,548,055 -96,205

()2) 1,328,295 1,407,426 -79,131

()2) 21,926 18,075 3,851

()2) 101,629 122,554 -20,925

BIS(A/B) 13.55 13.44 0.11

10.30 10.89 -0.59

3.25 2.55 0.7

- - -

1) 2011 K-IFRS , 2010 K-GAAP 2) ( ) BASEL II

2011 | 15

(3) BIS ( : )

2011 2010

(A+B+C) 196,684 208,006 -11,322

(A) 149,536 168,651 -19,115

20,219 24,819 - 4,600

50,428 60,903 -10,475

92,003 90,468 1,535

1,000 11,000 -10,000

81 79 2

- - -

-14,195 -18,618 4,423

(B) 47,148 39,355 7,793

1,772 1,772 -

45% 656 1,557 -901

30,793 37,929 -7,136

17,101 13,832 3,269

-3,174 -15,735 12,561

(C) - - -

) 2011 K-IFRS , 2010 K-GAAP

2011 | 16

(4) ( : )

2011 2010

(A) () 2) 2,922,862 1,328,295 3,105,425 1,407,426

215,924 76 220,998 243

103,498 27,340 114,007 27,581

980,091 775,103 879,172 746,500

441,311 280,021 353,033 244,262

477,130 431,599 443,112 406,850

61,650 63,483 83,027 95,388

1,350,416 336,058 1,612,809 439,335

688,856 97,460 636,168 99,363

- - 292,526 68,147

661,560 238,598 684,115 271,825

497,491 187,995 524,945 216,198

164,069 50,603 159,170 55,627

18,737 50,340 19,092 45,859

14,908 26,972 23,802 22,056

14,155 2,599 12,432 3,087

17,314 18,878 19,924 18,343

207,819 90,929 203,189 104,422

(B) () 2) - 21,926 - 18,075

(C) () 2) - 101,629 - 122,554

(A+B+C) 2,922,862 1,451,850 3,105,425 1,548,055

1) 2011 K-IFRS , 2010 K-GAAP 2) ( ) BASEL II

(5) ( : , %)

2011 2010

(A) 2,592,883 2,578,603

(B) 116,401 94,110

(B/A) 4.49 3.65

) 1 5% , . .

2011 | 17

. ( : )

2011 2010

1,930,697 1,805,136 125,561

1,928,541 1,802,745 125,796

2,156 2,391 -235

444,013 440,938 3,075

365,723 385,870 -20,147

78,290 55,068 23,222

2,022,457 2,045,170 -22,713

2,020,196 2,041,780 -21,584

2,261 3,390 -1,129

2,106,929 1,960,440 146,489

1,924,964 1,825,189 99,775

181,965 135,251 46,714

2,726,139 2,683,142 42,997

2,577,286 2,548,618 28,668

201,660 168,078 33,582

( ) -52,807 -33,554 -19,253

1) : 2011 K-IFRS , 2010 K-GAAP 2) : , , , , ,

, , 3) : , , , : , CP, , 4) : : , , , 5) : , ( ), , 6) : + -

.

(2012. 2. 29 )

Moodys S & P Fitch 3

2010.08.02 A1 P-1 A A-1 A F1

2010.04.14 A1 P-1 A A-1 A+ F1

2009.02.09 A2 P-1 A A-1 A+ F1

2011 | 18

14.

. ()

11 : 2011 12 31 10 : 2010 12 31

( : )

11 10 11 10

28,761 14,990 192,496,427 182,502,551 14,849,430 11,415,901 1,836,441 2,187,634 18,553,045 18,377,676 618,376 866,084 10,337,747 9,272,225 - 10,254,962

238,720,227 234,892,023 2,021,896 2,481,896 - 1,000,000 4,285,131 6,267,577 341,493 747,815 12,359,878 10,397,450 - 17,202

8,610,497

2,371,583

2,247,152

199,280,046

33,272,763

956,510

3,398,314

9,931

7,581,829

5,854,409

961,890

2,593,144

184,843,009

36,786,369

818,535

3,468,714

12,828,056

7,649,837

19,008,398 20,911,940 257,728,625 255,803,963 257,728,625 255,803,963

) 11 10 : K-IFRS . ()

11 : 2011 11 2011 12 31 10 : 2010 11 2010 12 31

( : )

11 10 11 10

6,000,601 5,145,059 -59,941 -238,983

1,384,946 1,013,206 2,555,746 -1,035,532

937,953 714,660 -668,446 365,100

-1,292,185 -2,742,775 1,887,300 -670,432

-3,364,639 -3,946,546 121,279 764,350

-1,050,989 -980,153 2,008,579 93,918

2,615,687 -796,549 -423,524 105,326

1,585,055 199,244

) 11 10 : K-IFRS

2011 | 19

15. () ( : , %)

2011 2010

1,755,467 69.86 51,581 2.94 1,572,732 61.34 45,030 2.86 CD 17,459 0.69 680 3.90 113,980 4.45 4,521 3.97

38,258 1.52 1,033 2.70 35,490 1.38 918 2.59 15,317 0.61 457 2.98 5,604 0.22 122 2.18

200,345 7.97 10,242 5.11 341,031 13.30 17,763 5.21

2,026,846 80.65 63,993 3.16 2,068,837 80.69 68,354 3.30 34,289 1.36 222 0.65 32,385 1.26 234 0.72 75,311 3.00 638 0.85 62,665 2.44 622 0.99 8,050 0.32 70 0.87 10,937 0.43 62 0.57

34,447 1.37 1,834 5.32 40,725 1.59 1,819 4.47 1,100 0.04 - - 1,254 0.05 - -

153,197 6.09 2,764 1.80 147,966 5.77 2,737 1.85 2,180,043 86.74 66,757 3.06 2,216,803 86.46 71,091 3.21

199,859 7.95 - - 201,007 7.84 - - 9,439 0.38 - - 9,689 0.38 - -

123,492 4.93 - - 136,416 5.32 - -

332,790 13.26 - - 347,112 13.54 - - 2,512,833 100.00 66,757 2.66 2,563,915 100.00 71,091 2.77

8,172 0.33 250 3.06 4,609 0.18 114 2.48 363,390 14.46 15,844 4.36 386,913 15.09 17,110 4.42 1,788,675 71.18 100,529 5.62 1,720,895 67.12 91,189 5.30

() 1,002,908 39.91 56,959 5.68 967,726 37.74 50,733 5.24 () 785,767 31.27 43,570 5.54 753,169 29.38 40,456 5.37

1,402 0.06 4 0.32 1,618 0.06 12 0.75 11,935 0.47 383 3.21 12,964 0.51 283 2.18 14,120 0.56 804 5.70 26,904 1.05 1,441 5.36

20,526 0.82 3,752 18.28 119,243 4.65 22,876 19.18 () 4,813 0.19 761 15.82 27,626 1.08 4,743 17.17

15,330 0.61 1,429 9.31 21,035 0.81 1,239 5.89 ( ) -32,930 -1.31 - - -41,302 -1.61 - -

2,190,620 87.18 122,995 5.61 2,252,879 87.86 134,264 5.96 6,681 0.27 137 2.05 4,730 0.18 55 1.16 14,096 0.56 284 2.02 18,852 0.74 452 2.40 93,453 3.72 1,927 2.06 83,735 3.27 2,110 2.52

12,799 0.51 99 0.78 10,750 0.42 54 0.50 24,303 0.97 504 2.08 21,786 0.85 573 2.63

2 0.00 7 - 12 0.00 5 -( -2,035 -0.08 - - -1,622 -0.06 - -

149,299 5.95 2,958 1.98 138,243 5.40 3,249 2.35 2,339,919 93.13 125,953 5.38 2,391,122 93.26 137,513 5.75

15,068 0.60 - - 13,355 0.52 - - 31,132 1.24 - - 32,532 1.27 - -

126,714 5.03 - - 126,906 4.95 - -

172,914 6.87 - - 172,793 6.74 - - 2,512,833 100.00 125,953 5.01 2,563,915 100.00 137,513 5.36

1) 2011 K-IFRS , 2010 K-GAAP 2) , , 3) , , , 4)

2011 | 20

16. ( : )

2011 2010 123,934 115,319 8,615 387 169 218

13,950 14,963 -1,013 108,569 99,804 8,765

1,028 383 645 63,311 63,354 -43 49,806 47,407 2,399 2,680 2,358 322 10,083 13,199 -3,116

742 390 352

60,623 51,965 8,658 14,098 10,466 3,632 1,744 1,768 -24

12,354 8,698 3,656 1,493 1,308 185 2 2 -

( ) - - -

1,495 1,310 185

79,188 80,867 -1,679 7,285 3,158 4,127

15,537 19,337 -3,800 1,238 202 1,036

54,096 57,766 -3,670

1,032 404 628 93,857 112,388 -18,531 3,025 1,060 1,965

22,029 24,040 -2,011 3,313 3,245 68 14,069 25,675 -11,606

139 971 -832 45,165 51,937 -6,772

6,117 5,460 657

-14,669 -31,521 16,852 59,803 30,452 29,351

( ) 33,646 38,331 -4,685 26,157 -7,879 34,036

652 1,186 -534 ( ) 1,252 3,065 -1,813

25,557 -9,758 35,315 ( ) 6,684 -3,111 9,795

18,873 -6,647 25,520 1,213 6,759 -5,546 20,086 112 19,974

( ) 17,660 112 17,548 1) 2011 K-IFRS , 2010 K-GAAP 2) 3) :

2011 | 21

17. () ( : , %)

2011 2010

86,105 3.34 62,319 2.45 366,009 14.20 385,870 15.14 1,992,800 77.33 1,961,789 76.97

( ) -30,608 -1.19 -41,745 -1.64 ( ) - - -528 -0.02 1,830,054 71.01 1,720,003 67.49 97,931 3.80 80,894 3.17 1,045 0.04 217 0.01 27,205 1.06 22,161 0.87 556 0.02 1,849 0.07 - - 124,177 4.87 18,000 0.70 19,300 0.76 35,845 1.39 11,480 0.45 8,771 0.34 21,898 0.86 4,001 0.16 2,083 0.08

30,907 1.20 31,990 1.26

101,465 3.93 106,650 4.18 2,577,286 100.00 2,548,618 100.00

1,925,252 74.70 1,825,189 71.61 1,866,645 72.43 1,773,692 69.59 42,880 1.66 27,878 1.09 288 0.01 150 0.01 CD 15,442 0.60 23,469 0.92 -3 0.00 0 0.00

148,495 5.76 114,088 4.48 37,789 1.47 37,333 1.46 91,177 3.54 63,192 2.49 11,428 0.44 8,095 0.32 - - - - - - 756 0.03 - - - - 8,101 0.31 4,712 0.18 - - - -

185,530 7.20 287,510 11.28 127,925 4.97 128,223 5.03

2,387,202 92.63 2,355,010 92.40 20,219 0.78 24,819 0.97 - - - - 42,851 1.66 62,676 2.46 - - - - 3,415 0.13 16,449 0.65 123,599 4.80 89,664 3.52

190,084 7.37 193,608 7.60

2,577,286 100.00 2,548,618 100.00

1) 2011 K-IFRS , 2010 K-GAAP 2) : , , , ,

2011 | 22

18.

. ( : , %)

2011 2010

1,830,054 94.79 1,788,655 94.79 1,720,003 94.86 1,720,837 95.29

97,931 5.07 93,453 5.07 80,893 4.96 83,735 4.48

556 0.03 1,402 0.03 1,849 0.07 1,618 0.10

1,928,541 99.89 1,883,510 99.89 1,802,745 99.89 1,806,190 99.87

2,156 0.11 2,070 0.11 2,391 0.11 2,498 0.13

1,930,697 100.00 1,885,580 100.00 1,805,136 100.00 1,808,688 100.00 1) 2011 K-IFRS , 2010 K-GAAP 2) : , , , ,

. ( : , %)

2011 2010

, 1,598 0.08 1,488 0.07

1,325 0.07 1,438 0.07 355,251 17.57 328,589 16.07

, , 9,242 0.46 13,085 0.64 , 4,669 0.23 4,687 0.23

63,173 3.12 74,720 3.65 169,104 8.36 156,536 7.65

41,000 2.03 37,865 1.85 62,996 3.11 51,047 2.50

,, 18,688 0.92 18,022 0.88 21,748 1.07 29,000 1.42

154,637 7.65 154,939 7.58 , 14,204 0.70 16,197 0.79

4,614 0.23 4,480 0.22 , 935 0.05 946 0.05

9,375 0.46 7,815 0.38 28,191 1.39 24,124 1.18

, 13,717 0.68 14,519 0.71 , 17,281 0.85 14,102 0.69

9 - 23 -

723 0.04 473 0.02 1,029,977 50.93 1,091,075 53.35

2,022,457 100.00 2,045,170 100.00 ) 2011 K-IFRS , 2010 K-GAAP

2011 | 23

. ( : , %)

2011 2010

782,807 42.78 715,045 41.57

() (14,531) (0.79) (24,364) (1.42)

503,659 27.52 492,609 28.64

279,148 15.26 222,436 12.93

- - - -

1,027,275 56.13 978,768 56.91 () (454,622) (24.84) (431,824) (25.11)

19,971 1.09 26,187 1.52 () (17,127) (0.94) (23,660) (1.38)

19,301 1.05 25,490 1.48 670 0.04 697 0.04

1,830,053 100.00 1,720,000 100.00 1) 2011 K-IFRS , 2010 K-GAAP 2) ( )

. ( : , %)

2011 2010

1,026,344 56.08 921,600 53.58 - - - -

13,042 0.71 6,814 0.39 30,846 1.69 31,938 1.86 12 - 2 -

1,070,244 58.48 960,354 55.83

123,802 6.77 105,412 6.13

636,008 34.75 654,237 38.04

1,830,054 100.00 1,720,003 100.00 1) 2011 K-IFRS , 2010 K-GAAP 2)

. ( : , %)

2011 2010 (A/B x 100) 35.32 36.08 (A) 646,441 620,608 )(B) 1,830,054 1,720,003

1) 2011 K-IFRS , 2010 K-GAAP 2)

2011 | 24

19.

( : )

(B/S)

(I/S)

23,400 23,430 - 680

208,221 211,980 3,372 11,057

120,749 120,748 - 6,472

9,892 9,565 - 75

362,262 365,723 3,372 18,284

112,848 112,948 - 4,825

475,110 478,671 3,372 23,109

) K-IFRS

2011 | 25

20.

.

( : , %)

2011 2010

1,866,646 88.59 1,810,259 89.45 1,773,692 90.48 1,625,526 85.81

242,948 11.53 225,565 11.15 234,617 11.97 213,699 11.28

1,599,224 75.90 1,556,965 76.93 1,504,803 76.76 1,374,809 72.58

12,740 0.60 14,604 0.72 19,419 0.99 19,908 1.05

11,734 0.56 13,125 0.65 14,853 0.76 17,110 0.90

42,880 2.04 34,289 1.69 27,878 1.42 32,385 1.71

CD 15,442 0.73 17,459 0.86 23,469 1.20 113,980 6.02

181,965 8.64 161,882 8.00 135,251 6.90 122,361 6.46

2,106,933 100.00 2,023,889 100.00 1,960,290 100.00 1,894,252 100.00

1) 2011 K-IFRS , 2010 K-GAAP 2) ,

. ( : , %)

2011 2010

1,177,563 63.08 1,010,506 56.97

597,089 31.99 673,865 37.99

91,994 4.93 89,321 5.04

1,866,646 100.00 1,773,692 100.00

122,295 67.21 92,733 68.56

58,373 32.08 40,838 30.20

1,297 0.71 1,680 1.24

181,965 100.00 135,251 100.00

1) : 2011 K-IFRS , 2010 K-GAAP 2) : / :

2011 | 26

21. .

( : )

2011 2010

307 255 52

453 483 -30

1,141 1,268 -127

8,492 7,103 1,389

2,359 1,946 413

2,233 894 1,339

1,700 1,167 533

( ) 162 139 23

( ) - - -

16,523 12,977 3,546

3,718 2,448 1,270

7,906 5,548 2,358

572 387 185

2,891 3,161 -270

1,436 1,433 3

16,523 12,977 3,546

1) 2011 K-IFRS , 2010 K-GAAP 2) Position() () 3)

.

( : )

2011 2010

885 - 885 738 - 738

1 317 318 4 333 337

92 1 93 11 1 12

59 - 59 51 - 51

34 - 34 33 - 33

31 1 32 59 21 80

1,102 319 1,421 896 355 1,251

1) 2011 K-IFRS , 2010 K-GAAP 2) , 5

2011 | 27

.

( : %)

7 30 90 6 1 3 3

4.20 4.66 2.27 8.68 3.86 -0.71 1.43

1) ( ) /

2)

.

( : , %)

1 -240,964 646,554 405,590 2.22%

2 -418,042 778,275 360,233 1.98%

3 68,484 195,574 264,058 1.59%

4 -553,818 881,981 328,163 1.90%

5 151,198 167,347 318,545 1.85%

6 327,540 -93,611 233,929 1.33%

7 -156,349 435,096 278,747 1.52%

8 -532,892 791,406 258,514 1.42%

9 -199,670 500,401 300,731 1.82%

10 -1,267,005 1,531,525 264,520 1.48%

11 -184,773 419,390 234,617 1.36%

12 -213,028 428,470 215,442 1.27%

) , (+), (-)

2011 | 28

22. , , .

( : )

2011 2010

33,590 46,417

15,300 -

- -

3,189 2,329

1,469 5,787

1,526 3,504

47 52

1) 2011 K-IFRS , 2010 K-GAAP 2) : 3) :

.

( : )

2011 2010

2,934 2,804 130

- 3,095 -3,095

15,561 16,544 -983

- 19 -19

18,495 22,462 -3,967

) 2011 K-IFRS , 2010 K-GAAP

. ( : )

2011 2010

1,006 523 483

- - -

6,735 5,567 1,168

7,741 6,090 1,651

1) 2011 K-IFRS , 2010 K-GAAP 2) B/S

. :

2011 | 29

23. .

( : )

2011 2010

2,022,457 2,045,170

2,020,196 2,041,780

2,261 3,390

1) 22,465 25,915

22,465 25,910

- 5

2) 28,945 36,567

28,945 36,562

- 5

1) ( , , )

2) , ,

. ( : )

2011 2010 000000 () 539 - 539

00000000 ( ) 478 - 478

00 () 384 - 384

0000 ( ) 272 - 272

0000 () 233 - 233

0000 () 220 - 220

0000000 () 170 - 170

0000 () 164 - 164

00000 () 150 - 150 0000 (, ) 138 - 138

000000 () 136 - 136

00000 () 468 341 127

000000 ( ) 117 - 117

000000 () 98 - 98 0000 (, ) 98 - 98

00000 ( ) 92 - 92

00000 () 81 - 81

0000 () 74 - 74

00 () 74 - 74

00000 () 69 - 69

) 20 20

2011 | 30

.

( : )

2011 1)

2011.04.22 511 62 -

2011.04.28 210 210 -

2011.04.29 152 250 -

2011.06.24 259 262 -

2011.09.16 451 421 -

2011.10.26 118 118 -

2011.10.27 574 71 -

) 100

2011 | 31

24.

.

( : )

2011 2010

60,974 73,404

16,123 21,200

44,851 52,204

56,791 64,441

40,070 43,547

16,721 20,894

543,566 851,169

100,464 128,503

1,421 1,994

- 79

- -

1,783,988 1,683,568

- -

) 2011 K-IFRS , 2010 K-GAAP

2011 | 32

. (1)

(2)

, (VaR) ,

, ,

, , 6 ( USD 1 / 1 ) ( USD 2 / 2 )

, ,

Front Office Middle Office Back Office , ,

(Back Office)

( )(Middle Office)

( )

( / )

(Front Office)

2011 | 33

( : Pre-settlement Risk Limit) . Front Office .

(3)

/ IRS, CRS

, , (), , Black-Scholes Formula . (closed form solution) , (tree method) (finite difference method)

,

2011 | 34

(4) () ( : )

(A) 56,866 2,066 1,531 - - - - - - 56,866 2,066 1,531

- - -

- - -

Match(B) 600 24 23 - - - 600 24 23

- - -

(C) 1,726,522 20,382 16,809 311,157 9,165 3,838 17,155 - - 1,265,743 10,319 11,859

96 2 -

132,371 896 1,112

(A+B+C) 1,783,988 22,472 18,363

(5) () ( : )

(A) 5 - - - - - - - - 5 - -

- - -

- - -

Match(B) - - - - - - - - -

- - -

(C) - - - - - - - - - - - -

- - -

- - -

(A+B+C) 5 - -

2011 | 35

(6) () ( : )

(A) 43,433 2,066 126 - - - - - - 43,433 2,066 126

- - -

- - -

Match(B) - - - - - - - - -

- - -

(C) 1,239,638 5,915 7,192 - - - 15,176 - - 1,104,487 5,215 6,492

- - -

119,975 700 700

(A+B+C) 1,283,071 7,981 7,318

(7) () : (8) ()

( : )

(A) 11,533 - 1,277 - - - - - - 11,533 - 1,277

- - -

- - -

Match(B) - - - - - - - - -

- - -

(C) 477,480 14,288 9,216 311,157 9,165 3,838 1,728 - - 161,109 5,091 5,364

- - -

3,486 32 14

(A+B+C) 489,013 14,288 10,493

2011 | 36

(9) ()

( : )

(A) 5 - - - - - - - - 5 - -

- - -

- - -

Match(B) - - - - - - - - -

- - -

(C) - - - - - - - - - - - -

- - -

- - -

(A+B+C) 5 - -

(10) ()

( : )

(A) - - - - - - - - - - - -

- - -

- - -

Match(B) - - - - - - - - -

- - -

(C) 9,404 179 401 - - - 251 - - 147 13 3

96 2 -

8,910 164 398

ELW(D) - - - - - - - - -

(A+B+C+D) 9,404 179 401

2011 | 37

(11) () :

(12) ()

( : )

(A) 1,900 - 128 - - - - - - 1,900 - 128

- - -

- - -

Match(B) 600 24 23 - - - 600 24 23

- - -

(C) - - - - - - - - - - - -

- - -

- - -

(A+B+C) 2,500 24 151

(13) () :

(14) () :

(15) () :

2011 | 38

25. .

(1)

.

(2)

.

. . ( )

() .

.

. . . ,

. .

, , , .

(1)

- , , , .

- ( ) , .

(2)

- / (, , , ) , . ,

2011 | 39

.

- , , , , .

- , , .

(3)

- .

- , .

(4)

- .

- , .

.

(1)

- , (Risk Appetite)

(, , )

(, , )

( )

2011 | 40

, , 5 .

(2)

- , , .

(3)

- , .

: , exposure , .

: , , .

: , ,

(4)

- , , , / , , .

: /, , RAROC /EVA //, II , , // , ALM(/) , , ( ) , Country Risk .

: , , , // , , (PF, , ) , .

: , / , / // Review, , .

.

(1) : 9

(2)

2011 | 41

Risk Appetite

- KB 2011 (2011.2.18) - 2012 (2011.10.31) - (2011.12.9) - 2012 Risk Appetite (2011.12.9) - 2011 (2011.12.20)

EC - 2011 (2011.5.26) - (2011.8.12) - 2012 (2011.12.20)

- (2011.5.26) - (2011.5.26) - (2011.10.31)

- (2011.5.26) - (2011.5.26) - (2011.10.31)

- (2011.2.18, 8.19)

- (, , , , ) (2011.2.18, 5.26, 8.19, 10.31, 12.20)

- (CPM) (2011.2.18) -

(2011.2.18, 5.26, 8.19, 10.31, 12.20) - (2011.2.18) - (2011.5.26) - () (2011.5.26) - (2011.5.26) - 2011 1~4 (2011.5.26) - (2011.5.26) - () (2011.6.14) - (2011.6.14) - (2011.6.24) - (2011.8.19) - (2011.8.19) - KB (2011.8.19) - 2011 (2011.8.19) - (CPM) (2011.8.19) - (2011.8.19, 10.31) - (2011.8.19) - 2012 (2011.10.31) - CNH/CNY Spread (2011.10.31) - KB (2011.10.31) - (2011.12.9) - 2011 (BCP) (2011.12.9) - CNH/CNY (2011.12.9) - (2011.12.20)

2011 | 42

.

(1)

- , II , , , .

- //

2000 : //ALM VaR RAROC 2001 : / 2002 : ERM , IT CRS/ CSS 2003 : II , CSA 2004 : (PD/LGD/EAD) 2005 : CSS / , II DB ,

VaR 2006 : Credit Manager EC/RAROC ,

BCP(Business Contingency Plan) 2007 : (, Credit Manager) 2008 : VaR 2009 : KB-RAPS , RAPM 2010 : RAROC KPI , ,

2011 : (CPM) (2012.7 )

(2)

- , .

- 2 , (RAPM), .

- .

(3)

- (F-IRB) (PD, LGD, EAD) , (RWA) BIS .

- , , , .

2011 | 43

- (, ) , . ( ) .

- , .

(4)

- II , .

- , , , .

.

II - PD/EAD/LGD

ALM

CRO & CFO

PILLAR 1

RWA

Credit VaR

VaR

VaR

ALM VaR

Pillar2

VaR

RWA

RAROC

EVA

/

CRO

RiskAppetite

Mgmt Reports

PILLAR 2

CFO

/PILLAR 3

CRO & CCO

.

(1) BIS

- KB 2008 1 BIS 2007 12 28 .

- BIS 100% , BIS .

- , BIS ,

2011 | 44

(0% ~ 1,250%) , PD(), LGD( ), EAD( ) .

-

(2) BIS

- , , , KB 2008 11 2009 .

- LDA(Loss Distribution Approach) VaR VaR , . CSA KRI BEIC(Business Environment Internal Control) VaR , .

- .

(3) BIS

- 2005 7 26 . . .

-

(VaR)

- , , 10 99%

. ,

(1)

1)

- .

- .

- / . ,

2011 | 45

5% . , .

- , .

- .

2)

- , , , , .

(2)

1)

- , , .

2)

- . , .

- . . .

3)

- Risk Appetite Risk Appetite Risk Appetite 100% .

-

BIS BIS , Risk Appetite Risk Appetite , .

BIS BIS Risk Appetite Risk Appetite , .

BIS Risk Appetite 100% ,

- 1 .

2011 | 46

(3)

1)

- Risk Appetite , , ()( , / ), , , , (Capital cushion)

- , , .

- ( ) .

2)

- .

- , .

- . : , , , , : , , , ,

, , ,

3) ,

- (Contingency Plan) .

- .

- . ( , , )

4)

- . / ,

2011 | 47

26.

.

()

(Expected Loss) (Unexpected Loss) .

.

,

.

, .

, ,

, .

,

,

.

(1) ,

, , .

: , /SOHO/ , , ,

: //SOHO

: ,

: , NPL ,

:

(2) Portfolio

, , , Total Exposure

,

,

,

.

2011 | 48

(3)

, Exposure

() 26 Total

Exposure ,

Transaction Limit .

() Total Exposure

Total Exposure 300

Total Exposure 200

() TL(Transaction Limit)

2

5 20

(4)

,

, , , ,

,

.

(5)

()

,

, ,

.

(6)

Monitoring

, NPL

.

2011 | 49

(7)

,

, 2011 IFRS

.

.

()

- : 30

- : ()

//

: (DCF : Discount Cash Flow)

-

()

:

: Basel Risk Component ,

Risk Component Conversion

( + ) (PD) (LGD) + ( LOC/F) (PD)

- PD : Basel II PD (LEP)

- LGD : Basel II LGD ()

2011 | 50

. (1)

BIS

(Probability of Default; PD),

(Loss Given Default; LGD) (Exposure At Default;

EAD)

PD :

LGD : (EAD )

EAD :

(M) :

(2)

3

,

() (SA: Standardized Approach)

- (ECAI) (0% ~ 1,250%)

AAA ~ AA- A+

~ A- BBB+

~ BBB- BB+

~ BB- B+ ~ B- B-

20% 50% 100% 100% 150% 150% 100% 1 100% 100% 100% 100% 100% 100% 100% 0% 20% 50% 100% 100% 150% 100% 1 0% 0% 0% 0% 0% 0% 0% 20% 50% 100% 100% 100% 150% 100% 1 20% 20% 20% 20% 20% 20% 20% 20% 50% 100% 350% (1,250%) 1 100% 100% 100% 100% 100%

) S&P

() (IRB: Internal Rating-Based Approach)

-

/

, ,

2011 | 51

(3)

KB 2008 1 BIS 2007 12 28

.

2011 12 , , ,

() .

// ,

.

,

.

BIS

1) , , 2) () ,

/, (, ),

SOHO,

3) ( ) , SOHO

1) , , 2) (

15% , )

3) ,

2011 | 52

.

(1) ( : )

/

2,260,210 66,289 310,179 17,313 242,520 2,896,511

20,110 219 2,924 1 3,097 26,351

2,280,320 66,508 313,103 17,314 245,617 2,922,862

) /

(2) ( : )

/

365,627 34,157 9,585 7,996 41,166 458,531

901,657 23,941 165,422 8,529 15,366 1,114,915

142,919 8,383 138,096 787 189,085 479,270

870,117 27 - 2 - 870,146

2,280,320 66,508 313,103 17,314 245,617 2,922,862

(3) ( : )

/

1 1,276,097 51,717 106,998 9,761 68,236 1,512,809

1 3 225,627 10,633 111,231 4,382 2,179 354,052

3 5 105,683 1,673 40,691 1,888 3,352 153,287

5 672,913 2,485 42,787 1,221 23,158 742,564

- - 11,396 62 148,692 160,150

2,280,320 66,508 313,103 17,314 245,617 2,922,862

)

2011 | 53

. ( : )

2011 2010

20% 1,520,367 127,604 1,678,036 135,380

50% 409,155 155,153 382,197 146,396

100% 678,133 581,353 671,510 583,087

150% 236,756 317,826 293,357 390,132

150% 64,296 143,760 67,893 149,344

2,908,707 1,325,696 3,092,993 1,404,339

)

.

( : , %)

2,022,457 15,138 7,021 6,786 28,945 1.43 0.87

. ()

( : )

(A)

(B)

(C) = (A)(B)

215,924 75 - - - 75 215,849 103,498 181 - - - 181 103,317 980,091 16,739 59,537 - 40,005 116,281 863,810 441,311 4,879 5,822 - 5,281 15,982 425,329

477,130 9,839 53,082 - 34,724 97,645 379,485

61,650 2,021 633 - 2,654 58,996 1,350,416 - - - - - 1,350,416

688,856 - - - - - 688,856 - - - - - - -

661,560 - - - - - 661,560 497,491 - - - - - 497,491

164,069 - - - - - 164,069 18,737 - - - - - 18,737

14,908 - - - - - 14,908 14,155 - - - - - 14,155

17,314 - - - - - 17,314 207,819 - - - - - 207,819 2,922,862 16,995 59,537 - 40,005 116,537 2,806,325

2011 | 54

.

(1) ( : )

2011 2010

20% 13,532 2,151 9,251 1,320

50% 281 141 2,346 827

100% 342 307 100 80

250% - - 735 860

250% - - - -

14,155 2,599 12,432 3,087

(2)

( : )

2011 2010

9,034 6,608

- 2,219

4,989 3,605

132 -

14,155 12,432

) : (: , 2 )

.

( : )

1,137 2,370 3,507

93 31 124

8,596 5,034 13,630

- - -

- - -

25 29 53

- - -

9,851 7,464 17,314

2011 | 55

27.

.

,

.

.

.

(1)

.

- (Control Self Assessment,CSA) : CSA . CSA .

- (Key Risk Indicator, KRI) : KRI . KRI Forward-looking .

- : . , . 6 KOREC (Korea Operational Risk data Exchange Committee, ) , .

- : , . , , (:CSA, KRI ), 1 .

- : . .

- (Business Continuity Plan, BCP) : , . BCP , / , .

2011 | 56

(2)

LDA(Loss Distribution Approach) VaR

VaR ,

. BEIC(Business

Environment Internal Control) CSA KRI , VaR

, .

100 .

. 100

, A- 1

2011 | 57

28.

.

, ,

.

.

[, (, )]

.

(VaR)

Stress Testing Back Testing .

VaR(Value at Risk) (, )

(, , VaR )

.

2005 3/4

BIS , .

. 4)

( : )

2011 2010

3)

38,787 24,824 63,611 10,900 21,992 32,892

1,575 320 1,895 267 294 561

1) 1,702,896 - 1,702,896 1,608,005 - 1,608,005

2) 4,227 - 4,227 3,557 - 3,557

1,072 176 1,248 1,045 690 1,735

1,748,557 25,320 1,773,877 1,623,774 22,976 1,646,750

1) . , , .

2) . 3) . 4) (trading book) (banking book) .

. .

2011 | 58

. VaR1)

( : )

2011 2010

VaR

VaR

90 104 37 65 48 55 56 75

52 122 2 25 5 14 23 22

49 126 42 65 52 134 21 53

- - - - - - - -

2 12 2 5 6 7 5 7

2) 93 133 53 89 68 134 58 93

1) VaR 2010 2011 - VaR , , - VaR 99%, 1 - SMA()

2)

. VaR ( : 2011 1 ~ 12)

) VaR[ SMA() ] ,

0 .

vs

-300

-200

-100

0

100

200

300

2011/01/03 2011/02/17 2011/04/01 2011/05/17 2011/06/29 2011/08/10 2011/09/26 2011/11/08 2011/12/20

:

2011 | 59

. (1)

(NPV) (NII)

. (2)

VaR , EaR

.

, . (3)

VaR(), EaR, ,

/ , ,

1 .

2011 | 60

29.

.

.

.

, //

.

, ,

, VaR, ,

.

/

, .

. (1) ,

-

( : )

1 1 2 2 3 3

1,127,130 20,030 6,654 1,375 1,155,189

-

( : )

1 1 2 2 3 3

903,850 144,619 121,250 660,335 1,830,054

)

2011 | 61

-

( : )

1 1 2 2 3 3

25,807 19,175 30,050 39,104 114,136

49,197 24,533 4,905 802 79,437

136 194 502 442 1,274

23,392 20,174 17,122 29,800 90,488

9,214 6,826 8,710 18,784 43,534

107,746 70,902 61,289 88,932 328,869

) . ( )

(2)

( : )

7 30 ()

90 ()

6 ()

1 ()

3 ()

3

2,839 8,095 16,747 22,470 29,435 37,185 1,156 38,341

4,714 10,670 19,229 25,827 30,930 36,912 1,785 38,697

)

2011 | 62

30. (2012 2 29 )

.

(1)

() (MOR : Market Opportunity Rate)

- (MOR) (, , , )

: :

()

CD(91), (AAA) (, (MOR) , ) COFIX( ))

) COFIX(Cost of funds index) :

3

, , ,

( 3 ) (, BB+

bb+)

(, ,

)

6/12

(, 6

)

COFIX 6/12

-

( COFIX COFIX)

-

2011 | 63

() 1) FOR YOU

-

+ () ,

( )

(MOR) COFIX SPREAD

3, 5, 10

2)

-

)

5 + 1.25%p

5 + 1.00%p

) 0.5%p

(2)

- (MOR)

1) : 2) :

3) :

4) : / 5) : ,

2011 | 64

. (2012 2 29 )

(1)

( : %) 5)

1 5 6 2) (, 1) 7.00 9.78 10.31

-

1 5 9 COFIX

3) 5.71 5.71 5.74 -

1 5 9 COFIX

3) 5.72 5.72 5.75 -

-

1)

(1) 5 : + 1.25%p 5 : + 1.00%p

-

AAA BB B (1) 5.41 8.22 11.17

-

AAA BB B 4)

5.16 7.97 10.92

-

1) 2) 1 3) , 5 , 6 4) , 5 6 (, AAA ) 5) ,

(2)

( : %)

2) 3)

- 0.10 - 30 - 0.10 0.30 30

6 3.05 3.15 1 3.50 3.75 2 3.70 4.15

1)

3 3.85 4.35

-

3 2.40 2.50 6 2.70 2.90 1 2.90 3.30 2 3.00 3.40

3 3.20 3.60 3 - -

5 - -

2003.1.1

10 3.75 3.85 3

1) , (6 ) 2) 3) ( )

2011 | 65

31.

.

( : )

()

Kookmin Bank HongKong Limited 5,658

1,227 (234) 70 63 2011.12.31

Kookmin Bank Intl Ltd. (London) 4,671

677 (376) 40 30 2011.12.31

Kookmin Bank Cambodia PLC 532

172 (186) 8 7 2011.12.31

JSC Bank CenterCredit) 84,172

6,731 (5,430) 2,213 212 2011.12.31

37,383 5,921 (24) 1,091 942 2011.12.31

) BCC 2011 BCC

.

(1) ( : , %, %p)

2011 2010

Kookmin Bank HongKong Limited 1,633 0.74 1,960 0.85 -327 -0.11

Kookmin Bank Intl Ltd. (London) 3,855 1.74 3,059 1.33 796 0.41

Kookmin Bank Cambodia PLC 104 0.05 99 0.04 5 0.01

JSC Bank CenterCredit 3,651 1.65 3,788 1.64 -137 0.01

387 0.18 403 0.17 -16 0.01

(2) :

2011 | 66

32. . (1)

- (Compliance) , . , , , , .

(2)

- .

(3)

- - , - - , - - - , ,

. 2011 KB .

(1)

- - (CSA) - (Compliance Check)

(2)

- ,

(3)

- KB - - , -

2011 | 67

(4)

- -

(5)

- , , ,

(6)

- (STR), (CTR), (KYC) -

(7)

-

- -

(8)

- - - 1 - (Compliance) - 1

2011 | 68

33.

.

- ,

,

.

- () 3,

() 1 ,

, .

-

, ,

, .

- .

.

- ,

, .

. - :

-

IT

2011 | 69

.

-

2011 575 2,528 3,103

-

2011 654() 46

-

2011 2,418,277

34. :

35. :

36. :

2011 | 70

37. .

(1) (2011. 12. 31 )

( )

( )

() () ()

( )

(1) () (1)

() () () ()

( )

()

(2)

. ,

.

.

(3)

.

(Annual compensation review)

.

2011 | 71

(4) ( )

()

(5)

)

61 1, 1, 1, 9, 49

101 34, 27, 11, 7, 19, 3

) 2011.12.31

(6)

( )

, , , ,

( )

(7)

7

- 1 : 2011.02.10. - 2 : 2011.02.24. - 3 : 2011.03.11. - 4 : 2011.03.24. - 5 : 2011.04.27. - 6 : 2011.07.28. - 7 : 2011.10.27.

(8)

1. KB (Shared Value )

2.

3. Relative TSR

2011 | 72

(9)

)

99 37, 26, 36

37 37

) 2011.12.31

(10)

- , KPI

.

- BIS , ,

, ,

, ,

.

-

.

.

(1)

, , (Pillar 1 )

BIS .

Pillar 1 , , Pillar 2

, , , , .

1. BIS

. , , Basel 2 .

2. RAROC (Risk Adjusted Return On Capital)

.

, (EC)

.

2011 | 73

3. EVA (Economic Value Added)

.

() .

4. NPL

. CAEL , 1 .

( : )

(Tier1) (A) 149,536

(Tier1+Tier2) (B) 196,684

(C) 1,451,850

1,328,295

21,926

101,629

12 (D) 110,427

(E) 109,345

(F) 20,667

BIS (B/C) 13.55%

RAROC (F/E) 18.90%

EVA (F-E)) 10,006

NPL 1.43%

) ROE 2011 9.75%.

3 , ,

( : )

2009 2010 2011

BIS 14.04% 13.44% 13.55%

RAROC) 2.7% 6.5% 18.90%

EVA) -10,117 -7,229 10,006

NPL 1.11% 1.79% 1.43%

) RAROC, EVA .

BIS 2009 .

RAROC, EVA 2009 , NPL

0.36%P .

2011 | 74

NPL , EVA (,

, ) KPI , RAROC

. EC EVA KPI

.

BIS, RAROC, NPL

. BIS , RAROC EVA

, NPL

. , ,

. RAROC

() .

(2)

1.

( , , EVA, ), (BIS,

), ( , /), (,

)

2.

, , KB

1.

(ROE, ROA, CIR, NPL), (TSR), (EPS), KPI

( )

2.

, KPI( , , CIR),

(RAROC),

2011 | 75

1.

, (TSR), (EPS)

, KPI

2.

,

1.

,

(40% 50%) 0( 20%) .(Threshold )

, Threshold

2.

, (Penalty) .

Penalty

(3)

40~50% ,

3

3 ,

.

, , , , .

, 3 . ,

.

2011 | 76

(4)

,

(, , )

()

50~60% (

) ,

1.

50%( 40%) , 50%( 60%)

3 ,

2.

3 ,

3

2011 | 77

.

(1) ( ) ( : , )

1) 2)

70 109 213 85 2010

125 22.9 22.6 8.7

63 98 168 80 2011

3)

1) 6 2) (2) , .

3) 2011 2012 2 , 3 , 2012 1/4

(2) ( ) ( : )

1) 2)

213 44 - 169 - 2010

22.6 18.3 - 4.3 -

168 47 - 1213) - 2011

4)

1) .

2)

3) 2011 2011 ( ) .

4) 2011 2012 2 , 3 , 2012 1/4

2011 | 78

(3) ( ) ( : )

2) 2)

45 45 - 2010

8.7 8.7 -

821) 82 2011

3)

1) 2011 2011 . ( 2012-2 )

2) ,

3) 2011 2012 2 , 3 , 2012 1/4

(4) ( ) ( : )

2011 2010 2009 2008

45 - 45 - - - 2010

8.7 - 8.7 - - -

821) 49 33 - - - 2011

2)

1) 2011 2011 . ( 2012-2 )

2) 2011 2012 2 , 3 , 2012 1/4

(5) ( )

( : )

1)

2) 3)

- - - 2010

- - -

- - - 2011

4)

1) , . 2) . 3) . 4) 2011 2012 2 , 3

, 2012 1/4

2011 | 79

(6)

( : , )

1) 2) 1

- - - 2010

- - -

- - - 2011

- - -

1) :

2)

(7) ( : , )

1) 2) 1

- - - 2010

- - -

- - - 2011

- - -

1) : , ,

2)

(8) ( : , )

) 1

5 3.9 0.8 2010

- - -

7 13.7 2.9 2011

- - -

)

2011 | 80

38. .

( : , )

2001.03.22

4,429 - 4,429 -2004.03.23

~ 2011.03.22

71,538 36,300

2001.03.22 6,644 - 6,644 - 71,538 36,300

2001.03.22 4,429 - 4,429 - 71,538 36,300

2001.03.22 6,644 - 6,644 - 71,538 36,300

2002.03.29 3,330 - 3,330 -2004.03.30

~ 2011.03.29

129,100 36,300

2002.03.29 3,330 - 3,330 - 129,100 36,300

2002.03.29 3,330 - 3,330 - 129,100 36,300

2003.03.21 10,000 - 10,000 -2006.03.22

~ 2011.03.21

58,600 36,300

2003.03.21 10,000 6,678 3,322 - 43,800 36,300

2003.03.21 10,000 3,351 6,649 - 42,200 36,300

2003.03.21 10,000 6,678 3,322 - 43,800 36,300

Bernard S. Black

2003.03.21 10,000 6,678 3,322 - 43,800 36,300

Richard Elliott Lint

2003.03.21 10,000 - 10,000 - 43,800 36,300

2003.03.21 30,000 9,443 20,557 - 35,500 36,300

2003.03.21 15,000 9,730 5,270 - 35,500 36,300

2003.03.21 15,000 9,730 5,270 - 35,500 36,300

2003.03.21 15,000 14,343 657 - 35,500 36,300

2003.03.21 15,000 9,730 5,270 - 35,500 36,300

2003.03.21 15,000 9,730 5,270 - 35,500 36,300

2003.08.27 30,000 5,091 24,909 -2006.08.28

~ 2011.08.27

40,500 36,300

2004.02.09 10,000 - 2,875 7,1252007.02.10

~ 2012.02.09

46,100 36,300

2004.02.09 10,000 - 2,875 7,125 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.02.09 5,000 - - 5,000 46,100 36,300

2004.03.23 5,000 - - 5,0002007.03.24

~ 2012.03.23

48,500 36,300

2004.03.23 5,000 - - 5,000 48,500 36,300

2004.03.23 5,000 - - 5,000 48,800 36,300

2011 | 81

2004.03.23 5,000 - - 5,000 48,800 36,300

2005.03.18 30,000 - - 30,0002008.03.19

~ 2013.03.18

51,600 36,300

2005.03.18 30,000 - - 30,000 46,800 36,300

2005.03.18 30,000 - 21,241 8,759 46,800 36,300

2005.03.18 30,000 - 11,250 18,750 46,800 36,300

2005.03.18 30,000 - 214 29,786 46,800 36,300

2005.03.18 30,000 - 21,241 8,759 46,800 36,300

2005.03.18 30,000 - 21,241 8,759 46,800 36,300

2005.03.18 30,000 10,000 11,250 8,750 46,800 36,300

2005.03.18 30,000 - 214 29,786 46,800 36,300

2005.03.18 30,000 - 11,250 18,750 46,800 36,300

2005.03.18 30,000 - 21,241 8,759 46,800 36,300

2005.03.18 30,000 - 21,241 8,759 46,800 36,300

2005.03.18 30,000 - 1,944 28,056 46,800 36,300

2005.03.18 15,000 - 10,621 4,379 46,800 36,300

2005.03.18 15,000 - 10,621 4,379 46,800 36,300

2005.03.18 15,000 - 10,621 4,379 46,800 36,300

2005.03.18 15,000 - 14 14,986 46,800 36,300

2005.03.18 15,000 - 10,621 4,379 46,800 36,300

2005.03.18 15,000 - 10,621 4,379 46,800 36,300

2005.03.18 15,000 - 835 14,165 46,800 36,300

2005.03.18 15,000 - 107 14,893 46,800 36,300

2005.03.18 15,000 - 10,621 4,379 46,800 36,300

2005.03.18 15,000 - - 15,000 46,800 36,300

2005.03.18 15,000 - 835 14,165 46,800 36,300

2005.03.18 15,000 - 1,027 13,973 46,800 36,300

2005.03.18 15,000 - 5,625 9,375 46,800 36,300

2005.03.18 15,000 - 107 14,893 46,800 36,300

2005.03.18 15,000 - 5,625 9,375 46,800 36,300

2005.03.18 15,000 - - 15,000 46,800 36,300

2005.03.18 15,000 - 1,027 13,973 46,800 36,300

2005.03.18 15,000 - 835 14,165 46,800 36,300

2005.03.18 15,000 - 5,625 9,375 46,800 36,300

2005.03.18 15,000 - 5,625 9,375 46,800 36,300

2005.03.18 15,000 - 107 14,893 46,800 36,300

2005.03.18 15,000 - 5,625 9,375 46,800 36,300

2005.03.18 15,000 - 9,909 5,091 61,000 36,300

2005.03.18 15,000 - 9,923 5,077 60,300 36,300

2005.03.18 15,000 - 4,928 10,072 63,600 36,300

2005.03.18 15,000 - - 15,000 51,600 36,300

2005.03.18 15,000 - - 15,000 51,600 36,300

2005.03.18 15,000 - 9,909 5,091 61,000 36,300

2005.03.18 15,000 - 4,969 10,031 63,800 36,300

2011 | 82

2005.03.18 15,000 - - 15,000 51,600 36,300

2005.03.18 15,000 - - 15,000 51,600 36,300

2005.04.27 15,000 8,827 6,173 -2008.04.28

~ 2013.04.27

45,700 36,300

Donald H. MacKenzie

2005.07.22 30,000 - 559 29,4412008.07.23

~ 2013.07.22

49,200 36,300

2005.08.23 15,000 - 7,788 7,2122008.08.24

~ 2013.08.23

53,000 36,300

2006.03.24 20,000 - 83 19,9172009.03.25

~ 2014.03.24

77,900 36,300

2006.03.24 10,000 - 42 9,958 77,900 36,300

2006.03.24 10,000 - - 10,000 77,800 36,300

2006.03.24 10,000 - 42 9,958 77,900 36,300

2006.03.24 5,000 - - 5,000 85,100 36,300

2006.03.24 30,000 - 4,791 25,209 75,200 36,300

2006.03.24 30,000 - 4,791 25,209 75,200 36,300

2006.03.24 30,000 - 8,541 21,459 81,900 36,300

2006.03.24 20,000 - 83 19,917 77,900 36,300

2006.03.24 210,000 - 33,532 176,468 75,200 36,300

2006.03.24 45,000 - 17,122 27,878 80,000 36,300

2006.03.24 20,000 - 230 19,770 77,800 36,300

2006.03.24 20,000 - 1,834 18,166 80,300 36,300

2006.03.24 20,000 - 1,834 18,166 80,300 36,300

2006.03.24 30,000 - 3,383 26,617 75,200 36,300

2006.03.24 30,000 - 11,825 18,175 80,300 36,300

2006.03.24 30,000 - 1,230 28,770 75,200 36,300

2006.03.24 30,000 - 3,274 26,726 75,200 36,300

2006.03.24 30,000 - 3,383 26,617 75,200 36,300

2006.03.24 30,000 - 11,825 18,175 80,300 36,300

2006.03.24 30,000 - 1,230 28,770 75,200 36,300

2006.03.24 30,000 - 3,383 26,617 75,200 36,300

2006.03.24 30,000 - 11,825 18,175 80,300 36,300

2006.03.24 30,000 - 3,383 26,617 75,200 36,300

2006.03.24 30,000 - 11,825 18,175 80,300 36,300

2006.03.24 30,000 - 11,825 18,175 80,300 36,300

2006.03.24 30,000 - 11,825 18,175 80,300 36,300

2006.03.24 30,000 - 3,383 26,617 75,200 36,300

2006.03.24 30,000 - 11,825 18,175 80,300 36,300

2006.04.28 30,000 - 4,387 25,6132009.04.29

~ 2014.04.28

81,900 36,300

2006.10.27 20,000 - 1,013 18,9872009.10.28

~ 2014.10.27

76,600 36,300

2007.02.08 10,000 - 987 9,0132010.02.09

~ 2015.02.08

77,100 36,300

2007.02.08 10,000 - 987 9,013 77,100 36,300

2011 | 83

2007.02.08 10,000 - 107 9,893 77,100 36,300

2007.02.08 45,000 - 17,325 27,675 77,100 36,300

2007.02.08 30,000 - 11,098 18,902 77,100 36,300

2007.02.08 30,000 - 12,297 17,703 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 11,098 18,902 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 11,098 18,902 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 12,297 17,703 77,100 36,300

2007.02.08 30,000 - 12,297 17,703 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 12,297 17,703 77,100 36,300

2007.02.08 30,000 - 2,105 27,895 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 12,297 17,703 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 12,297 17,703 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 11,098 18,902 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 11,098 18,902 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

2007.02.08 30,000 - 11,098 18,902 77,100 36,300

2007.02.08 30,000 - 2,105 27,895 77,100 36,300

2007.02.08 30,000 - 2,793 27,207 77,100 36,300

JACQUES P.M.KEMP

2007.03.23 30,000 - 14,754 15,2462010.03.24

~ 2015.03.23

84,500 36,300

- - - - 3,087,136 110,009 830,939 2,146,188 - - -

[ : 68,144] 1) : 2) : , , 3) (2003321, 200429, 2004323, 2004111, 2005318, 2005 4

27, 2005722, 2005823, 2006324 ) : , 3 TSR,

4) ( ) 200429, 2004323 : 1 2004111, 2005318, 2005427, 2005722, 2005823, 2006428, 2007323

: 3 2006324 : 1, 2 3 200728 : 1, 3

5) : 2011 12 29 KB

2011 | 84

6) 7) : ( ) * ** ,

.

(1)

:

- 2, 1, 1

(2005 8 23 )

-

- = ( ) (1 + 0.4)

: 2, 1, 1

100

- = ( - ) /

/

(-)

(2006 3 24 )

-

- = ( ) (1 + 3 TSR 0.4)

: 2, 1, 1 1) 100 2) 3 TSR = ( 3 - 3

) / 3 3) 3 : , , 4) - 1 : 2, 1, 1

- 2 : 1 5) , 6) 3 (-)

(2) ( )

- /

- = /(1, 2 3)

1

2011 | 85

- 3 (, ) (KPI)

() (

)

( ) Stock Option

60 Stock Option ( )

60 80

: = /80

80

(3)

(Stock Option )

- 2005 8 23

,

() (), ()

( ),

- 2006 3 24

) - : , , - : - : ,

- 3 TSR

-

)

(4)

-

KB . (2008.8.25 )

2011 | 86

. ,

(1) :

(2)

( : , )

()

2011.01.10 8,827 45,700 58,286 58,100 111

2011.01.21 7,000 35,500 59,248 56,900 166

2011.02.22 Bernard S. Black 6,678 43,800 57,822 57,300 94

2011.03.14 5,000 35,500 57,351 55,200 109

2011.03.14 5,500 35,500 57,351 55,200 120

2011.03.14 9,730 35,500 57,351 55,200 213

2011.03.14 9,730 35,500 57,351 55,200 213

2011.03.14 14,343 35,500 57,351 55,200 313

2011.03.15 6,678 43,800 56,982 54,000 88

2011.03.15 6,678 43,800 56,982 54,000 88

2011.03.21 3,351 42,200 56,310 56,500 47

2011.04.18 10,000 46,800 56,515 53,500 97

2011.08.08 5,091 40,500 51,670 43,600 57

1) :

2) :

(3)

( : )

2011.03.21 Richard Elliott Lint 6,678

2011.03.21 10,000

2011.03.22 6,644

2011.03.22 6,644

2011.03.22 4,429

2011.03.22 4,429

2011.03.29 3,330

2011.03.29 3,330

2011.03.29 3,330

) :

39. ( : )

2011 2010

1,440 1,771

2011 | 87

40.

. 1)

(: , %)

() ( )2)

( ) 3)

(A)

(B)

(C) (C-A)

(C-B)

501 621 - -501

(-100.00%) -621

(-100.00%)

KB 245,430 3,149 9,500 -235,930

(-96.13%) 6,351

(201.68%)

KB - - 765,000 765,000

(-) 765,000

(-)

1,393 5,218 5,027

3,634 (260.88%)

-191(-3.66%)

246,823 8,367 779,527 532,704

(215.82%) 771,160

(9,216.68%)

KB

247,324 8,988 779,527 532,203 (215.18%) 770,539

(8,572.98%)

425 425 400-25

(-5.88%) -25

(-5.88%)

(2010.07.29,

) 425 425 400

-25 (-5.88%)

-25(-5.88%)

(2011.03.24,

)

33 33 11-22

(-66.67%) -22

(-66.67%)

(1) 25 26 40

15 (60.00%)

14(53.84%)

(2010.08.12,

) 58 59 51

-7 (-12.07%)

-8(-13.56%)

12 12 --12

(-100.00%) -12

(-100.00%)

(2010.11.26,

) 12 12 --12

(-100.00%) -12

(-100.00%)

3 7 --3

(-100.00%) -7

(-100.00%)

() 60 - -

-60 (-100.00%)

0 (-)

(2008.09.29,

)

63 7 --63

(-100.00%) -7

(-100.00%)

(2010.11.26,

)

2011 | 88

() ( )2)

( ) 3)

(A)

(B)

(C) (C-A)

(C-B)

(2010.09.29,

)

(2010.03.25,

)

50 - 50-

(-) 50

(-)

(2011.09.29,

) 50 - 50

- (-)

50 (-)

523 477 461-62

(-11.85%) -16

(-3.35%)

85 26 40-45

(-52.94%) 14

(53.84%)

608 503 501 -107 (-17.60%) -2

(-0.40%)

1,024 1,098 461 -563 (-54.98%) -637

(-58.01%)

246,908 8,393 779,567 532,659 (215.73%) 771,174

(9,188.30%)

247,932 9,491 780,028 532,096 (214.61%) 770,537

(8,118.61%)

1) 2 ,

2) KB (2008.9.29)

3) 14 ( )

, 352

2011 | 89

.

(1) :

(2) 1) ( : )

( )

( ) 2)

3)

11.09.29 12.09.28 569 - 11.09.01 12.09.28 1,871 - 11.09.29 12.09.28 2,574 - 11.09.29 12.09.28 15,085 -

11.09.01 11.12.31 - 4.3 09.07.10 12.07.17 - 2.3 11.03.21 13.03.20 250 3 KB 11.04.21 14.04.20 - 0.6 09.12.15 11.12.31 - 2.5 PB 11.01.27 12.01.26 - 6.6 PB 10.12.01 12.11.30 - 2.3 10.12.01 12.11.30 1.2 11.06.03 13.06.02 2 PB 11.07.28 13.07.31 - 3.1 11.22.22 13..12.21 - 4.6

KB

11.11.14 13.11.13 - 11.5 PB 09.08.01 12.07.31 - 4.6 11.09.25 13.09.24 1,200 - 11.10.02 13.10.01 695 9.9 10.06.02 12.06.01 460 - 03.12.31 13.02.22 330 - 02.07.01 13.06.30 196 - 06.02.14 12.02.12 300 1 05.03.02 12.03.01 460 4.1 11.03.06 13.03.05 1,072 - 11.02.01 12.01.31 716 - 11.12.06 13.12.05 186 - 11.08.04 14.07.31 142 -

KB

11.08.10 14.07.31 120 - 09.08.15 12.08.14 - 1.3

KB 11.06.15 13.06.14 340 -

KB 09.08.01 12.07.31 - 2.6 11.03.02 14.02.28 2,286 - 11.03.02 14.02.28 8,730 - 11.03.02 14.03.01 - 5.6

KB

KB

11.03.02 14.03.01 - 30.3

2011 | 90

( )

( ) 2)

3)

11.03.02 14..02.28 459 - 11.07.12 14.02.28 199 - 11.03.02 14.02.28 842 - 11.05.02 14.02.28 364 - 11.03.02 14.02.28 977 - 11.03.02 14.02.28 974 - Unit 11.03.02 14.02.28 678 - 11.05.06 14.02.28 184 - 11.03.02 14.02.28 433 - 11.09.22 14.02.28 328 - 11.05.06 14.04.30 342 - 11.03.02 14.02.28 1,643 - 11.03.02 14.02.28 168 - 11.09.30 14.02.28 1,380 - 11.03.02 14.02.28 684 - 11.03.02 14.02.28 726 - Unit 11.09.01 14.08.31 1,475 - 11.11.01 14.10.31 1,822 - 11.11.01 14.10.31 2,578 -

KB

11.03.02 14.03.01 6,135 -

KB

- - - 59,973 103.4 -

-

- - - 20,099 4.3 -

- - - 39,874 99.1 -

- - - 59,973 103.4 -

1) ( )

2) 14 ( )

3)

(3) :

(4) :

2011 | 91

41. .

( : )

)

136 23 99 4 10

)

. ( )

( : )

2 2 - - -

1) , ABS,

2)

42.

( : )

88.20

26,157

20,086

) K-IFRS .

2011 | 92

43.

.

, (, )

.

-

- (, 100 )

- (, )

- , , .

.

-

15.4%

14.0% -

9.5%

.

(1)

- : , , ,

- : 3 ( )

- :

- :

(2)

- : 20

(, 20 )

- : 1

- : 1 1 (, , : 1 3)

- : 9.5 % ( )

(3)

300

2011 | 93

.

- .

(PIN) .

-

.

- .

.

- .

- ( )

.

.

- .

, .

.

. (),

(), (

) / .

.

- ,

3 , 10

.

. . . .

,

, ( )

, . ,

2011 | 94

, , . .

,

, . , , , .

, URL .

, SMS , .

USB,

, . , PC . , .

PC

PC . PC . , .

,

PC , . , .

,

, .

,

, .

(: )

2011 | 95

.

1. () . , () . 2.

, , (E-Mail, ) . .

3.

(, ) , .

.

4.

. .

5.

() . .

6. (SMS), (OTP)

(SMS), (OTP) .

7.

( , ) .

8.

, () .

9.

.

10. (Wi-Fi)

(Wi-Fi) (3G )* .

(Wi-Fi) . * (3G )

(: )

2011 | 96

.

- .

- .

- 18 0830 .

( 14 , ) .

- ( /

.) (

) .

() 5 (6 )

.

5 SMS(

), E-mail, .

-

.

.

KB .

- ( ) (

) ( )

. , ,

.

- 3 (, , , )

, .

3

- , , ,

, ,

.

- (SMS)

.

- IC IC , KB

IC .

2011 | 97

- KB Check 2 .

1 ~ 15 15 + 3

16 ~ + 3

- KB Check ,

.

-

:

: (, )

- .

00:00 ~ 00:05

00:00 ~ 06:00

.

- ,

.

- .

- .

- ,

.

- .

.

- .

- .

- ,

.

- , 3

.

- .

- , , , , , .

2011 | 98

44. (2012. 2. 29 )

. () ( )

(1) /

( : )

10

100 800 (600)

100 1,200 (900)

10 500 (400)

100 1,500 (1,200)

() 100 2,500 (2,000)

10 2,000

100

100

3,500

3,500

100 5,000

(2) CD/ATM

( : )

10 10 10 10

150 300

250 500

700 1,000

500 1,000 500 1,000

600 900

500 1,000 500 1,000

( : 0830 18 / 14 )

18 65 20%

50% - 100 ( 5 ) - 2 10

2011 | 99

(3) ( : )

500)

MVP

400 SMS

900 20

MVP

400

FAX

900 50

) , KB (MVP, , , )

(4) /

( : )

, 10,000 (20)

10,000 (10)

(5) :

(6)

( : )

200,000 300,000 500,000

20,000 30,000 50,000

(7) :

2011 | 100

. () (1)

( : )

2,000

5,000

5,000

()

, ,

[ X X()]

- : 1.4% : 0.7%

- , 3 3

2011 | 101

(2)

( : )

SOHO () 10,000

( SOHO ) : () 60,000

( SOHO ) : , () 100,000

1~300 301~400 401~500 500

15,000 14,000 13,000 12,000

1~100 101~300 300

150,000 300,000 500,000

- 25,000

() - 80,000

()

1~100 101~300 300

100,000 200,000 250,000

{(0.5%)(/365)} + {(MOR-MOR)/365

()

10,000 2,000

- 2,000

- 5,000

5,000 2,000

( 500)

( )

10,000 30,000

()/365

( + )/365

2011 | 102

.

X Spread Spread

USD 1.75% 1.75%

JPY 1.70% 1.70%

EUR 1.97% 1.97%

GBP,AUD,NZD,CAD,HKD,SGD,CHF 1.99% 1.99%

CNY 3.00% 4.00%

SEK,DKK,NOK 2.50% 2.50%

SAR,KWD,AED,BHD,MYR 8.00% 6.00%

IDR 14.00% 14.00%

THB 5.96% 5.96%

ZAR 3.00% 4.00%

RUB 8.00% 8.00%

HUF,EGP,ILS,JOD 5.00% 8.00%

PLN 7.00% 8.00%

INR 6.00% 8.00%

PKR,BDT,MXN,BRL 5.00% 12.00%

PHP 6.00% 12.00%

BND 4.00% 6.00%

VND 12.00% 12.00%

KZT 15.00% 15.00%

TWD 4.00% 7.00%

80%

X Spread Spread

USD,JPY,EUR,GBP,CAD,AUD 1.20%

CNY 6.00%

80%

X Spread Spread

USD,JPY,CNY 0.95% 0.95%

EUR 0.98% 0.98%

1.00% 1.00%

90%

- 30

(USD, JPY, EUR, GBP, CAD, NZD, AUD 5 )

2011 | 103

45.

. , . (1) (2) (3) ,

(4) ,

15% .

. = / 100

1 . : /

. : / 100

( )

. = + - + (,

, , , ) + * ,

(1) : .

(2) : .

2011 | 104

.

, .

, .

(1) ,

(2) , ,

(3) , ,

.

, .

, ( , , ) .

* : (, , , )+++++++( )+++++

* ( 3)

, ()

1 , () 1 3

1 , () 3

2011 | 105

,

1 , () 3 12

1 , () 12 ,

* ( 12)

3

, , ,

, () ()

( , ) 3 ( )

, , . (1) : , (2) : (3) :

, , . 1) . 2) . 3) . 4) . 5) , .

2011 | 106

BIS

BIS BIS () ( ) . 8% .

. 100% .

, .

, (Low Cost Funding) . ( B2510 )

(N.I.M.) . (N.I.M.) = ( - ) /

. * = + -

. , 50% .

3 . (1) : , , ,

, .

(2) : .

2011 | 107

.

, Moody's, S&P, Fitch 3 . /, /, ()// . / 1 , 1~2 , 3 . .

Moody's S&P Fitch

Aaa ~ Baa3 (10) AAA ~ BBB-

(10) AAA ~ BBB-

(10)

Ba1 ~ C (11) BB+ ~ SD D

(12) BB+ ~ D (14)

P-1 ~ P-3 (3) A-1+ ~ A-3

(4) F1+ ~ F3 (4)

NP (1)

B ~ SD D (6)

B ~ D (3)

*

Moody's S&P Fitch

Aaa AAA AAA (Best)

Aa1 Aa2 Aa3

AA+ AA AA-

AA+ AA AA-

Aaa (High Quality)

A1 A2 A3

A+ A A-

A+ A A-

(Upper-Medium Grade)

Baa1 Baa2 Baa3

BBB+ BBB BBB-

BBB+ BBB BBB-

(Medium Grade)

Ba1 Ba2 Ba3

BB+ BB BB-

BB+ BB BB-

, (Partially Speculative)

B1 B2 B3

B+ B B-

B+ B B-

(Speculative)

Caa1 Caa2 Caa3

CCC+ CCC CCC-

CCC+ CCC CCC-

(Maybe in Default)

Ca CC CC (Often in Default) C C C (Extremely Poor)

SD D DDD DD D

(Bankruptcy)

2011 | 108

*

Moody's S&P Fitch

P-1 (Prime-1)

A-1+ A-1

F1+ F1

P-2 (Prime-2) A-2 F2

Prime-1 . , .

P-3 (Prime-3) A-3 F3

.

B B-1 B-2 B-3

B

C C

NP (Not Prime)

SD D D

, .

, .

. , , , . .

EaR(Earning at Risk) VaR(Value at Risk) .

2011 | 109

KB (http://www.kbstar.com) (http://www.kfb.or.kr) 11 11 .

46.

47.

48.

49.

50.

51.

52.

53.

54.

55.

56.

57.

2011 | 110

58. (2011. 12. 31 )

.

.

( : )

1 2 3 4 5

- 1 2 16 36 27 9 91

) (), 1(), 2(L4), 3(L/S3), 4(L/S2), 5(L/S1), ()

2011 | 111

59. . ()

11 : 2011 12 31 10 : 2010 12 31

( : )

11 10 11 10

4,494,434 2,937,827 18,196,454 13,525,126

11,299,190 9,389,166 1,354,214 2,645,956

3,030,371 3,225,561 528,742 555,253

300,178 570,418 86,619 81,490

-4,666 -5,197

1,046,522 690,050

20,166,029 16,807,825 20,166,029 16,807,825 . ()

11 : 2011 11 201112 31 10 : 2010 11 201012 31

( : )

11 10 11 10

147,853 91,219 647,471 626,323

450,243 482,373 27,902 28,051

98,440 84,544 47,424 23,996

3,292 10,190 4,826 1,932

1,789 1,296 19,033 29,235

4 - 4 -

85,176 79,041 11,774 7,699

2 2 5,262 5,247

23,178 13,940 125,692 105,146

951 1,454 6,083 6,980

4,204 5,808 2 102

84,160 67,476 3,819 2,632

899,292 837,343 899,292 837,343

2011 | 112

60. ()

( : , %)

2011 2010

161,882 87.46 4.03 122,361 81.72 5.16

- - - - - -

161,882 87.46 4.03 122,361 81.72 5.16

17,714 9.57 1.58 22,210 14.83 1.26

814 0.44 - 756 0.50 -

4,690 2.53 - 4,414 2.95 -

23,218 12.54 1.21 27,380 18.28 1.02

185,100 100.00 3.68 149,741 100.00 4.40

2,070 1.12 6.30 2,498 1.67 7.54

109,517 59.17 4.31 85,618 57.17 5.67

1,234 0.67 3.15 1,453 0.97 2.27

67,644 36.54 3.54 55,026 36.75 2.91

( ) -70 -0.04 - -80 -0.05 -

( ) - - - - - -

180,395 97.46 4.04 144,515 96.51 4.62

4,705 2.54 - 5,226 3.49 -

185,100 100.00 3.94 149,741 100.00 4.46

1)

: ()

:

: ( ) + () + () + ()

()

2) () : (, , , ),

() : , , , ,

: , (, /, , )

2011 | 113

61. .

(1)

- ,

,

.

- () 3,

() 1 ,

, .

-

, ,

, .

- .

.

- ,

, .

(2) - :

-

IT

2011 | 114

(3)

-

2011 575 2,528 3,103

-

2011 654() 46

-

2011 2,418,277

. 4445 50,

4-6

.

.

.

.

.

.

.

.

.

2011 | 115

62. ( : %)

9

6

3

() 1.99 1.35 0.55 5.20 5.15

() 3.05 3.50 3.25 3.89 4.73

KB() 2.68 3.05 2.62 5.84 4.94

KB() 3.12 3.55 3.29 3.86 4.49

(1) 3.12 3.57 3.30 3.95 4.67

() 3.07 3.48 3.23 3.92 5.16

() 2.78 2.72 2.11 5.02 5.01

(1) 3.09 3.50 3.24 3.91 5.13

1 4.22 4.20 4.18 4.19 7.34

2 4.25 4.23 4.20 4.20 7.45

1)

2)

, = (-)/ 100(365/)

=

2011 | 116

63.

. () 11 : 2011 12 31 10 : 2010 12 31

( : ) 11() 10()

[ ] . 4,494,434 2,937,827

. 11,299,190 9,389,166

666,566 327,272

806,032 630,712

7,781 14,546

823,698 1,150,155

1,397,751 1,231,546

3,552 -

3,470,239 3,887,306

938,608

3,183,485

1,478

721,039

1,425,080

1,510

. 3,030,371 3,225,561

4,803 6,868

42,647 24,967

168,098 158,108

36 49,073

140,000 60,000

1,800,000 997,000

874,787 1,929,545

.

. (-)

300,178

-4,666

570,418

-5,197

. 1,046,522 690,050

7

7,375

21

8,705

158,448

8,888

114,019

13,604

482 2,681

871,322 551,020

20,166,029 16,807,825

2011 | 117

11() 10()

[ ]

. 18,196,454 13,525,126

73 84

25,862 30,458

22,657 24,680

123 143

4,854 5,593

2,034 2,319

5,255 5,983

1,643,404 1,633,615

23,489 27,132

3,247 3,880

18,946 23,985

129,249 320,971

10,473,386 7,557,232

10 10

28,073 63,347

65,082 65,858

9,409 12,967

49 264

1,020,051 893,893

4,721,201 2,852,712

. 1,354,214 2,645,956

223,170 186,195

830,866 1,889,343

300,178 570,418

. 528,742 555,253

4,365

391,348

2,704

411,763

59,328 50,598

66,244

7,457

85,572

4,616

. 86,619 81,490

20,166,029 16,807,825

2011 | 118

. ()

11 : 2011 1 1 2011 12 31 10 : 2010 1 1 2010 12 31

( : )

11() 10()

[ ]

. 147,853 91,219

. 450,243 482,373

4,343 4,945

28,590 38,454

464 862

48,027 40,095

67,382 64,654

52 3,633

203,150 188,303

98,235 141,427

. 98,440 84,544

. 3,292 10,190

. 1,789 1,296

. 4 -

. 85,176 79,041

637 847

2,220 1,329

9,398 14,153

854 2,696

3,888 3,295

46,712 31,978

21,467 24,743

. 2 2

. 23,178 13,940

. 951 1,454

.

.

4,204

84,160

5,808

67,476

899,292 837,343

2011 | 119

11() 10()

[ ]

. 647,471 626,323

1 1

1,344 2,437

929 1,182

4 4

182 159

59 102

6 4

68,408 73,876

772 3,008

118 153

486 733

6,121 14,177

404,221 412,546

642 6,839

2,400 3,241

406 418

4 9

31,806 38,706

129,562 68,728

. 27,902 28,051

6,827 4,407

21,075 23,644

. 47,424 23,996

. 4,826 1,932

. 19,033 29,235

. 4 -

. 11,774 7,699