SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    Form 6-K

                        REPORT OF FOREIGN PRIVATE ISSUER
                     PURSUANT TO RULE 13a-16 OR 15d-16 UNDER
                       THE SECURITIES EXCHANGE ACT OF 1934

          For the month of April 2004
                           ----------


                                  Kookmin Bank
                                  ------------
                 (Translation of registrant's name into English)

             9-1, 2-Ga, Namdaemun-Ro, Jung-Gu, Seoul, Korea 100-703
             ------------------------------------------------------
                     (Address of principal executive office)

          Indicate by check mark whether the registrant files or will file
annual reports under cover of Form 20-F or Form 40-F.

                      Form 20-F    X     Form 40-F
                                   -              -------

          Indicate by check mark if the registrant is submitting the Form 6-K in
paper as permitted by Regulation S-T Rule 101(b)(1):
                                                    --------

          Note: Regulation S-T Rule 101(b)(1) only permits the submission in
paper of a Form 6-K if submitted solely to provide an attached annual report to
security holders.

          Indicate by check mark if the registrant is submitting the Form 6-K in
paper as permitted by Regulation S-T Rule 101(b)(7):
                                                    ---------

          Note: Regulation S-T Rule 101(b)(7) only permits the submission in
paper of a Form 6-K if submission to furnish a report or other document that the
registration foreign private issuer must furnish and make public under the laws
of the jurisdiction in which the registrant is incorporated, domiciled or
legally organized (the registrant's "home country"), or under the rules of the
home country exchange on which the registrant's securities are traded, as long
as the report or other document is not a press release, is not required to be
and has not been distributed to the registrant's security holders, and if
discussing a material event, has already been the subject of a Form 6-K
submission or other Commission filing on EDGAR.

          Indicate by check mark whether by furnishing the information contained
in this Form, the registrant is also thereby furnishing the information to the
Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

                          Yes          No    X
                             --------        -




       Submission of Non-Binding Bid Regarding the Possible Acquisition of
         Korea Investment & Securities or Daehan Investment & Securities

Kookmin Bank announced today that on April 12, 2004 it submitted a preliminary
non-binding bid in consortium with a foreign investor to Morgan Stanley Dean
Witter Ltd., the financial advisor for the proposed sale of Korea Investment &
Securities and Daehan Investment & Securities. The preliminary non-binding bid
is to be short-listed for the possible acquisition of Korea Investment &
Securities or Daehan Investment & Securities, as previously disclosed on
February 25, 2004.

Kookmin Bank will disclose further information, when it gets available.





                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                       Kookmin Bank
                                       -------------------------------
                                       (Registrant)




       Date: April 13, 2004            By: /s/ Ki Sup Shin
                                       -------------------------------
                                       (Signature)

                                       Name:  Ki Sup Shin

                                       Title: Senior Executive Vice President &
                                              Chief Financial Officer