2009 First Half Earnings Release July 30, 2009 Kookmin Bank
Contents I. 2009 1H Key Highlights II. 2009 1H Financial Performance III. 2009 1H Bank Asset Quality DISCLAIMER The consolidated financial information of KB Financial Group Inc. (Group) for the first half of 2009 presented…
I. 2009 1H Key Highlights I Net income for 1H09 was KRW 348.3 bn (KRW 913.1 bn, YoY ) Net income decreased due to the economic slowdown triggered by the global financial crisis since Net Income the second half of 2008. KRW 348.3 bn…
II. 2009 1H Financial Performance Group Profitability Overview Profitability Analysis Group Assets / Liabilities Bank Assets / Liabilities 4
Group Profitability Overview Condensed I/S Quarterly bn won 1H09 QoQ(%) 1H08 YoY(%) Gross () Profit (bn won) 2Q 1Q Net Interest Income (a) 3,198.7 1,446.9 1,751.8 -17.4 3,528.2 -9.3 2,133 2,270 2,051 1,955 215 2,017 303 353 132…
Profitability Analysis Net Interest Income Quarterly bn won 1H09 QoQ(%) 1H08 YoY(%) Bank NIM () (%) 2Q 1Q Bank Interest Income 7,511.9 3,468.3 4,043.6 -14.2 7,800.2 -3.7 3.08 3.03 2.98 3.03 2.70 Interest on Loans 6,735.3 3,086.5…
Profitability Analysis Non-Interest Income Quarterly bn won 1H09 QoQ(%) 1H08 YoY(%) Non-Interest Income (bn won) () 2Q 1Q Bank Commissions & Bank 310.6 167.3 143.3 16.7 446.1 -30.4 306 Fees 272 207* 168 108 ITC Products 138.2…
Profitability Analysis G&A Expenses / Non-Operating Income Quarterly bn won 1H09 QoQ(%) 1H08 YoY(%) Bank Cost Income Ratio (%) 2Q 1Q Bank G&A Expenses * 1,703.8 853.3 850.5 0.3 1,849.6 -7.9 50.5 51.2 47.6 Labor 785.5 395.5 390.0…
Group Assets / Liabilities tn won 2009.6 2009.3 QoQ(%) 2008.12 YTD(%) Assets by Subsidiaries * (bn won) Assets 272.6 270.7 0.7 267.5 1.9 Cash & Due from 279,450 8.9 7.1 25.4 8.3 7.2 Banks Securities 42.5 39.6 7.3 39.0 9.0 Loans…
Bank Assets / Liabilities Loans in won & Credit Card Assets tn won 2009.6 2009.3 QoQ(%) 2008.12 YTD(%) Loans in won & Credit Card (tn won) Household 98.5 98.4 0.1 97.2 1.3 184.1 185.9 190.7 190.7 179.7 169.9 Mortgage 46.1 45.9 0.4…
Bank Assets / Liabilities Deposits & Debentures in won Deposits in won() (%) tn won 2009.6 2009.3 QoQ(%) 2008.12 YTD(%) CD, RP, etc. Core Deposits 17.8% Savings Deposits in won (a) 170.3 163.8 4.0 159.9 6.5 Deposits 7.2%…
III. 2009 1H Bank Asset Quality Bank Asset Quality Overview Bank Provisions & Coverage Ratio by Sector Bank Loan Loss Provisions by Sector 12
Bank Asset Quality Overview bn won 2009.6 2009.3 QoQ(%) 2008.12 YTD(%) Delinquency Ratio (%) Total Loans for NPL 212,539 214,638 -1.0 209,401 1.5 1.62 Mgmt. 1.29 1.28 1.05 0.95 0.86 0.84 0.67 0.69 0.59 0.65 0.57 0.68 0.65 Normal…
Bank Provisions & Coverage Ratio by Sector Loan Loss Provisions (LLP) by Sector Quarterly LLP by Sector (bn() won) bn won 1H09 QoQ(%) 1H08 YoY(%) 2Q 1Q 65 Household 157.8 61.8 96.0 -35.6 79.6 98.2 90 940 39 82 Corporate 664.8…
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