4 | ||||
1. |
5 | |||
1.1.
Business Purpose |
5 | |||
1.2.
History |
5 | |||
1.3.
Capital Structure |
5 | |||
1.4.
Dividend |
11 | |||
2. |
12 | |||
2.1.
Business Overview |
12 | |||
2.2.
Market Shares |
12 | |||
14 | ||||
16 | ||||
20 | ||||
21 | ||||
3. |
23 | |||
4. |
24 | |||
24 | ||||
24 | ||||
5. |
25 | |||
5.1.
Board of Directors |
25 | |||
5.2.
Audit Committee |
25 | |||
26 | ||||
26 | ||||
5.5.
Affiliated Companies |
26 | |||
6. |
28 | |||
6.1.
Major Shareholders |
28 | |||
28 | ||||
7. |
29 | |||
7.1.
Executive Directors |
29 | |||
29 | ||||
7.3.
Senior Management |
30 | |||
7.4.
Employees |
30 |
7.5.
Labor Union |
30 | |||
8. |
31 | |||
9. |
32 | |||
32 |
|
The banking business as prescribed by the Bank Act; and |
|
The other business permitted by the Bank Act or other Korea laws. |
|
November 1, 2001 |
|
November 9, 2001 |
|
September 23, 2002 |
Date |
Reason |
Number of shares |
Cost |
Cost per one share | ||||
November 15, 2001 |
Acquisition of fractional shares in the course of the merger |
41,548 shares |
1,794,885 |
43,200 Won | ||||
December 24, 2001 |
Disposition for Exercise of stock option |
10,000 shares |
432,003 |
48,900 Won | ||||
April 3, 2002 |
Acquisition of fractional shares due to stock dividend |
36,089 shares |
2,071,557 |
57,400 Won | ||||
May 14, 2002 |
Disposition pursuant to the Bank Act of Korea |
31,548 shares |
1,601,944 |
50,788 Won | ||||
July 30-October 23, 20021 |
Acquisition pursuant to the Securities and Exchange Act of Korea |
3,000,000 shares |
147,632,489 |
49,210 Won | ||||
|
|
| ||||||
Total |
|
Outstanding balance: 3,036,089 shares |
149,464,984 |
| ||||
|
|
|
1. |
On July 26, 2002, Kookmin Banks board of directors has approved and ratified to purchase the treasury stock up to 3 million shares for the purpose of
introducing one of a stock purchase program and an employee stock ownership plan in order to provide a wide range of benefit with the employees. |
Grant date |
Name of the grantee |
Position when granted |
Exercise period |
Exercise price |
Number of granted options* |
Number of exercised options |
Number of exercisable options | |||||||||
From |
To |
|||||||||||||||
31-Oct-98 |
Jungtae Kim |
Chairman, Presidnet&CEO |
01-Nov-01 |
31-Oct-04 |
5,000 |
400,000 |
310,000 |
90,000 | ||||||||
27-Feb-99 |
Choulju Lee |
Auditor&Executive Director |
28-Feb-02 |
27-Feb-05 |
13,900 |
30,000 |
30,000 |
0 | ||||||||
27-Feb-99 |
Seungdong Kim |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
20,054 |
20,054 |
0 | ||||||||
27-Feb-99 |
Youngjo Joo |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
30,000 |
30,000 |
0 | ||||||||
27-Feb-99 |
Seokil Cho |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
20,054 |
20,054 |
0 | ||||||||
27-Feb-99 |
Hongshik Chung |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
20,000 |
20,000 |
0 | ||||||||
27-Feb-99 |
Bonghwan Cho |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
30,000 |
30,000 |
0 | ||||||||
27-Feb-99 |
Sunjoo Kim |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
10,000 |
10,000 |
0 | ||||||||
27-Feb-99 |
Jehyung Jo |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
30,000 |
30,000 |
0 | ||||||||
27-Feb-99 |
Hogi Baek |
Executive Vice President |
28-Feb-02 |
27-Feb-05 |
13,900 |
20,000 |
20,000 |
0 | ||||||||
27-Feb-99 |
Bruce Willison |
Non Executive Director |
28-Feb-02 |
27-Feb-05 |
13,900 |
10,000 |
10,000 |
0 | ||||||||
28-Feb-00 |
Jan Op de Beeck |
Executive Vice President |
01-Mar-03 |
28-Feb-06 |
27,600 |
22,490 |
0 |
22,490 | ||||||||
28-Feb-00 |
Sungchul Kim |
Executive Vice President |
01-Mar-03 |
28-Feb-06 |
27,600 |
30,000 |
0 |
30,000 | ||||||||
28-Feb-00 |
Woojung Lee |
Executive Vice President |
01-Mar-03 |
28-Feb-06 |
27,600 |
30,000 |
0 |
30,000 | ||||||||
28-Feb-00 |
Kukju Kwon |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
4,800 |
0 |
4,800 | ||||||||
28-Feb-00 |
Sunjin Kim |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
7,000 |
0 |
7,000 | ||||||||
28-Feb-00 |
Joon Park |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
4,800 |
0 |
4,800 | ||||||||
28-Feb-00 |
Moonsoul Chung |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
7,000 |
0 |
7,000 | ||||||||
28-Feb-00 |
Juhyun Yoon |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
4,800 |
0 |
4,800 | ||||||||
28-Feb-00 |
Heungsoon Chang |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
2,486 |
0 |
2,486 | ||||||||
28-Feb-00 |
Injoon Kang |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
2,486 |
0 |
2,486 | ||||||||
28-Feb-00 |
Sunghee Jwa |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
4,800 |
0 |
4,800 | ||||||||
28-Feb-00 |
Seungwoo Nam |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
1,928 |
0 |
1,928 | ||||||||
28-Feb-00 |
Woonyoul Choi |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
4,909 |
0 |
4,909 | ||||||||
28-Feb-00 |
Kyunghee Yoon |
Non Executive Director |
01-Mar-03 |
28-Feb-06 |
27,600 |
7,000 |
0 |
7,000 | ||||||||
28-Feb-00 |
Sungcheon Hong |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
6,821 |
0 |
6,821 | ||||||||
28-Feb-00 |
Miro Yoon |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
3,333 |
0 |
3,333 | ||||||||
28-Feb-00 |
Hakdong Shin |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
6,821 |
0 |
6,821 | ||||||||
28-Feb-00 |
Hakyeon Jeong |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
10,000 |
0 |
10,000 | ||||||||
28-Feb-00 |
Jeongyeon Kim |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
10,000 |
0 |
10,000 | ||||||||
28-Feb-00 |
Jongwhan Byun |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
10,000 |
0 |
10,000 | ||||||||
28-Feb-00 |
Samyoung Lee |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
6,821 |
0 |
6,821 | ||||||||
28-Feb-00 |
Wonki Kim |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
6,821 |
0 |
6,821 | ||||||||
28-Feb-00 |
Bangyeoul Kim |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
3,333 |
0 |
3,333 | ||||||||
28-Feb-00 |
Byungman Lim |
Head of Regional Head Office |
01-Mar-03 |
28-Feb-06 |
27,600 |
3,333 |
0 |
3,333 | ||||||||
24-Mar-01 |
Youngil Kim |
Executive Vice President |
25-Mar-04 |
24-Mar-07 |
25,100 |
30,000 |
0 |
30,000 | ||||||||
24-Mar-01 |
Jongin Park |
Executive Vice President |
25-Mar-04 |
24-Mar-07 |
25,100 |
30,000 |
0 |
30,000 | ||||||||
24-Mar-01 |
Wonbae Yoon |
Non Executive Director |
25-Mar-04 |
24-Mar-07 |
25,100 |
2,318 |
0 |
2,318 | ||||||||
24-Mar-01 |
Jaekyu Lee |
Non Executive Director |
25-Mar-04 |
24-Mar-07 |
25,100 |
2,318 |
0 |
2,318 |
* |
Some numbers of the granted options has been adjusted due to the merger and the early retirement of the grantees |
Grant date |
Name of the grantee |
Position when granted |
Exercise period |
Exercise price |
Number of granted options* |
Number of exercised options |
Number of exercisable options | |||||||||
From |
To |
|||||||||||||||
24-Mar-01 |
Chulsoo Ahn |
Non Executive Director |
25-Mar-04 |
24-Mar-07 |
25,100 |
1,916 |
0 |
1,916 | ||||||||
24-Mar-01 |
Jaehan Kim |
Head of Regional Head Office |
25-Mar-04 |
24-Mar-07 |
25,100 |
10,000 |
0 |
10,000 | ||||||||
24-Mar-01 |
Jongok Na |
Head of Regional Head Office |
25-Mar-04 |
24-Mar-07 |
25,100 |
10,000 |
0 |
10,000 | ||||||||
24-Mar-01 |
Kyuho Lee |
Head of Regional Head Office |
25-Mar-04 |
24-Mar-07 |
25,100 |
3,275 |
0 |
3,275 | ||||||||
18-Mar-00 |
Sanghoon Kim |
Chairman&CEO |
19-Mar-03 |
18-Mar-05 |
23,469 |
41,460 |
0 |
41,460 | ||||||||
18-Mar-00 |
Jongmin Lee |
Auditor&Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
14,807 |
0 |
14,807 | ||||||||
18-Mar-00 |
Sejong Oh |
Non Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
2,961 |
0 |
2,961 | ||||||||
18-Mar-00 |
Inkie Kim |
Non Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
2,961 |
0 |
2,961 | ||||||||
18-Mar-00 |
Jihong Kim |
Non Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
2,961 |
0 |
2,961 | ||||||||
18-Mar-00 |
Jinho Hwang |
Non Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
2,961 |
0 |
2,961 | ||||||||
18-Mar-00 |
Hyungjin Chang |
Non Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
2,961 |
0 |
2,961 | ||||||||
18-Mar-00 |
Ikrae Kim |
Non Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
2,961 |
0 |
2,961 | ||||||||
18-Mar-00 |
Bongho Paick |
Non Executive Director |
19-Mar-03 |
18-Mar-05 |
23,469 |
2,961 |
0 |
2,961 | ||||||||
18-Mar-00 |
Bockwoan Kim |
Executive Vice President |
19-Mar-03 |
18-Mar-05 |
23,469 |
11,845 |
0 |
11,845 | ||||||||
18-Mar-00 |
Yoohwan Kim |
Executive Vice President |
19-Mar-03 |
18-Mar-05 |
23,469 |
11,845 |
0 |
11,845 | ||||||||
18-Mar-00 |
Dukhyun Kim |
Executive Vice President |
19-Mar-03 |
18-Mar-05 |
23,469 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Sanghoon Kim |
Chairman&CEO |
16-Mar-04 |
15-Mar-09 |
28,027 |
29,614 |
0 |
29,614 | ||||||||
15-Mar-01 |
Jongmin Lee |
Auditor&Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
14,807 |
0 |
14,807 | ||||||||
15-Mar-01 |
Inkie Kim |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Hyungjin Chang |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Jihong Kim |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Bongho Paick |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
1,870 |
0 |
1,870 | ||||||||
15-Mar-01 |
Ikrae Kim |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Seungheon Han |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
1,870 |
0 |
1,870 | ||||||||
15-Mar-01 |
Youngseok Kim |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
1,870 |
0 |
1,870 | ||||||||
15-Mar-01 |
Sewoong Lee |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Changki Min |
Non Executive Director |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Bockwoan Kim |
Executive Vice President |
16-Mar-04 |
15-Mar-09 |
28,027 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Yoohwan Kim |
Executive Vice President |
16-Mar-04 |
15-Mar-09 |
28,027 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Dukhyun Kim |
Executive Vice President |
16-Mar-04 |
15-Mar-09 |
28,027 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Yoonok Hyun |
Executive Vice President |
16-Mar-04 |
15-Mar-09 |
28,027 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Taigon Kim |
Executive Vice President |
16-Mar-04 |
15-Mar-09 |
28,027 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Byungsang Kim |
Executive Vice President |
16-Mar-04 |
15-Mar-09 |
28,027 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Byungjin Kim |
Executive Vice President |
16-Mar-04 |
15-Mar-09 |
28,027 |
11,845 |
0 |
11,845 | ||||||||
15-Mar-01 |
Jihan Koo |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Dongsoon Park |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Hoosang Chang |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Sanghoon Lee |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Jaein Suh |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Sunghyun Chung |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Jonghwa Lee |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Sangwon Lee |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Joonsup Chang |
Head of Regional Head Office |
16-Mar-04 |
15-Mar-09 |
28,027 |
2,961 |
0 |
2,961 | ||||||||
15-Mar-01 |
Dongshin Yang |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Jaekyung Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Yeonkun Chung |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Youngno Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Kitaek Hong |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Soondo Park |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Joonho Park |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Yangjin Kim |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 | ||||||||
15-Mar-01 |
Kwangdae Park |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
592 |
0 |
592 |
Grant date |
Name of the grantee |
Position when granted |
Exercise period |
Exercise price |
Number of granted options* |
Number of exercised options |
Number of exercisable options | |||||||||||
From |
To |
|||||||||||||||||
15-Mar-01 |
Sungwan Choi |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
370 |
|
0 |
370 | ||||||||
15-Mar-01 |
Junghaeng Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Anseok Cho |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Sangcheol Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Taejoo Yoon |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
10 |
|
0 |
10 | ||||||||
15-Mar-01 |
Youngman Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
520 |
|
0 |
520 | ||||||||
15-Mar-01 |
Youngsoo Kim |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Jongyoung Yoon |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Jaehong Yoo |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Changhwan Bae |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Sian Heo |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
370 |
|
0 |
370 | ||||||||
15-Mar-01 |
Seokwon Choi |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Gilho Seo |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
370 |
|
0 |
370 | ||||||||
15-Mar-01 |
Youngsoo Shin |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
370 |
|
0 |
370 | ||||||||
15-Mar-01 |
Joonbo Cho |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Kiyoul Seo |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Byungdoo Ahn |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Kookshin Kang |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Ingyu Choi |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Hyungyoung Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Youngrok Han |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Hyeyoung Kim |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Kihyun Kim |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Sungshin Cho |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Youngmo Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Jongik Kim |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Kwangmook Park |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Yongseung Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
592 |
|
0 |
592 | ||||||||
15-Mar-01 |
Sunggil Lee |
General Manager |
16-Mar-04 |
15-Mar-09 |
28,027 |
|
370 |
|
0 |
370 | ||||||||
|
|
|||||||||||||||||
16-Nov-01 |
Jungtae Kim |
President&CEO |
17-Nov-04 |
16-Nov-09 |
500,000 |
|
0 |
500,000 | ||||||||||
16-Nov-01 |
Jungtae Kim |
President&CEO |
17-Nov-04 |
16-Nov-09 |
X |
1 |
200,000 |
2 |
0 |
200,000 | ||||||||
16-Nov-01 |
Sanghoon Kim |
Chairman |
17-Nov-04 |
16-Nov-09 |
150,000 |
|
0 |
150,000 | ||||||||||
|
|
|||||||||||||||||
22-Mar-02 |
Choulju Lee |
Auditor&Executive Director |
23-Mar-05 |
22-Mar-10 |
30,000 |
|
0 |
30,000 | ||||||||||
22-Mar-02 |
Henry Cornell |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
10,000 |
|
0 |
10,000 | ||||||||||
22-Mar-02 |
Keunshik Oh |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
Y |
3 |
10,000 |
|
0 |
10,000 | ||||||||
22-Mar-02 |
Dongsoo Chung |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
10,000 |
|
0 |
10,000 | ||||||||||
22-Mar-02 |
Jihong Kim |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
10,000 |
|
0 |
10,000 | ||||||||||
22-Mar-02 |
Timothy Hartman |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
10,000 |
|
0 |
10,000 |
1. |
Exercise price = 51,200 Won x (1 + the increase rate of KOSPI Banking Industry Index x 0.4) / 100. The increase rate of KOSPI Banking Industry Index = (KOSPI
Banking Industry Index as of the starting date of exercise period - 207.25) / 207.25 x 100. |
2. |
Conditional options up to 200,000: Additional shares shall be granted if the average closing price of Kookmin Bank's stock from August 17, 2004 to November 16,
2004 (or for the three months prior to his resignation, if he resigns earlier than his original tenure) is higher than the stock prices of any other bank listed on the Korea Stock Exchange. The number of options to be granted shall be based on total
score, which calculated by the earned total scores of both ROE and market capitalization on November 17, 2004 (or on the date of his resignation, if he resigns earlier than his original tenure). The additional shares will not be exercisable if the
CEO works less than 18 months or the earned total score is less than 80 points. |
3. |
Exercise price = 57,100 Won x (1 + the increase rate of KOSPI Banking Industry Index x 0.4). The increase rate of KOSPI Banking Industry Index = (KOSPI Banking
Industry Index as of the starting date of exercise period - KOSPI Banking Industry Index as of the grant date) / KOSPI Banking Industry Index as of the grant date. |
Grant date |
Name of the grantee |
Position when granted |
Exercise period |
Exercise price |
Number of granted options* |
Number of exercised options |
Number of exercisable options | |||||||||
From |
To |
|||||||||||||||
22-Mar-02 |
Sunjin Kim |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
3,000 |
0 |
3,000 | |||||||||
22-Mar-02 |
Moonsoul Chung |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
Y |
3,000 |
0 |
3,000 | ||||||||
22-Mar-02 |
Kyunghee Yoon |
Non Executive Director |
23-Mar-05 |
22-Mar-10 |
3,000 |
0 |
3,000 | |||||||||
|
||||||||||||||||
22-Mar-02 |
Jongkyoo Yoon |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Bonghwan Cho |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Jaein Suh |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Bumsoo Choi |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Bockwoan Kim |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Kitaek Hong |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Sunghyun Chung |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Kisup Shin |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Sungkyu Lee |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Byungsang Kim |
Executive Vice President |
23-Mar-05 |
22-Mar-10 |
57,100 |
30,000 |
0 |
30,000 | ||||||||
22-Mar-02 |
Jongyoung Yoon |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Jaeil Song |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Hyunggoo Shim |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Junghaeng Lee |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Joonsup Chang |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Youngno Lee |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Dongsoon Park |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Sungbin Kim |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Sungbok Park |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Yeonkun Chung |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Mahnsoo Song |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
15,000 |
0 |
15,000 | ||||||||
22-Mar-02 |
Jeongyeon Kim |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
5,000 |
0 |
5,000 | ||||||||
22-Mar-02 |
Hakyeon Jeong |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
5,000 |
0 |
5,000 | ||||||||
22-Mar-02 |
Jongwhan Byun |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
5,000 |
0 |
5,000 | ||||||||
22-Mar-02 |
Jaehan Kim |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
5,000 |
0 |
5,000 | ||||||||
22-Mar-02 |
Jongok Na |
Head of Regional Head Office |
23-Mar-05 |
22-Mar-10 |
57,100 |
5,000 |
0 |
5,000 | ||||||||
26-Jul-02 |
Donald MacKenzie |
Executive Vice President |
27-Jul-05 |
26-Jul-10 |
58,800 |
30,000 |
0 |
30,000 | ||||||||
|
|
|
|
|
|
|
| |||||||||
Total |
2,681,339 |
530,108 |
2,151,231 | |||||||||||||
|
|
|
|
|
|
|
|
2001 |
2000 |
1999 | |||||
Net income for the period |
740,565 |
|
719,700 |
107,901 | |||
Earnings per share (Won) |
3,706 |
1 |
2,403 |
388 | |||
Maximum amount available for dividend |
604,984 |
2 |
614,046 |
22,129 | |||
Total dividends amount |
119,866 |
|
151,009 |
16,938 | |||
Dividend payout ratio |
16.19 |
3 |
20.76 |
13.80 | |||
Cash dividends per common share (Won) |
400 |
|
500 |
50 | |||
Stock dividends per common share (%) |
6 |
|
|
| |||
Dividends per preferred share (Won) |
|
|
50 |
50 | |||
Dividend yield ratio |
0.80 |
4 |
3.36 |
0.28 | |||
Net asset value per common share (Won) |
29,742 |
5 |
12,533 |
13,079 | |||
Ordinary income per common shares (Won) |
3,706 |
|
2,403 |
388 |
1. |
Earnings per share = net income (740,565,213,105 Won) / weighted average number of shares (199,825,909 shares) |
2. |
Maximum amount available for dividend = retained earnings before appropriations (672,418 millions of Won) + transferred from prior years reserves (8,483
millions of Won) appropriated amount pursuant to the relevant rules and regulations (75,917 millions of Won) |
3. |
Dividend payout ratio = total dividend amount for common shares (119,866,365,600 Won) / net income (740,565,213,105 Won). |
4. |
Dividend yield ratio = dividend per share (400 Won) / market closing price for December 31, 2001 (49,800 Won) |
5. |
Net asset value per common share = total shareholders equity (8,913,542 millions of Won) / total issued shares as of December 31, 2001 (299,697,462
shares). |
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||
Amount |
% |
Amount |
% |
Amount |
% | |||||||
Kookmin Bank |
1,221,923 |
32.3 |
1,140,587 |
33.7 |
1,024,784 |
33.8 | ||||||
Woori Bank |
572,855 |
15.2 |
513,903 |
15.2 |
486,305 |
16.0 | ||||||
Chohung Bank |
398,672 |
10.6 |
355,967 |
10.5 |
312,699 |
10.3 | ||||||
Hana Bank |
347,314 |
9.2 |
322,652 |
9.5 |
275,777 |
9.1 | ||||||
Shinhan Bank |
329,334 |
8.7 |
301,285 |
8.9 |
263,513 |
8.7 | ||||||
Korea Exchange Bank |
291,759 |
7.7 |
253,284 |
7.5 |
215,049 |
7.1 | ||||||
Korea First Bank |
226,932 |
6.0 |
171,800 |
5.1 |
163,302 |
5.4 | ||||||
KorAm Bank |
200,318 |
5.3 |
171,834 |
5.1 |
167,843 |
5.5 | ||||||
Seoul Bank |
188,658 |
5.0 |
151,458 |
4.5 |
123,404 |
4.1 | ||||||
|
|
|
|
|
| |||||||
Total |
3,777,765 |
100 |
3,382,770 |
100 |
3,032,676 |
100 | ||||||
|
|
|
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||
Amount |
% |
Amount |
% |
Amount |
% | |||||||
Kookmin Bank |
706,027 |
41.2 |
601,536 |
47.2 |
488,734 |
56.2 | ||||||
Woori Bank |
214,599 |
12.5 |
132,501 |
10.4 |
84,896 |
9.8 | ||||||
Shinhan Bank |
154,238 |
9.0 |
107,729 |
8.4 |
56,987 |
6.5 | ||||||
Chohung Bank |
148,752 |
8.7 |
90,723 |
7.1 |
53,855 |
6.2 | ||||||
Hana Bank |
143,815 |
8.4 |
105,143 |
8.2 |
53,337 |
6.1 | ||||||
Korea First Bank |
99,895 |
5.8 |
78,874 |
6.2 |
50,326 |
5.8 | ||||||
Korea Exchange Bank |
91,597 |
5.4 |
64,053 |
5.0 |
36,752 |
4.2 | ||||||
Seoul Bank |
81,836 |
4.8 |
53,156 |
4.2 |
17,435 |
2.0 | ||||||
KorAm Bank |
72,014 |
4.2 |
41,807 |
3.3 |
27,742 |
3.2 | ||||||
|
|
|
|
|
| |||||||
Total |
1,712,773 |
100 |
1,275,522 |
100 |
870,064 |
100 | ||||||
|
|
|
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||
Amount |
% |
Amount |
% |
Amount |
% | |||||||
Kookmin Bank |
314,645 |
80.9 |
253,495 |
87.4 |
226,460 |
90.7 | ||||||
Woori Bank |
19,360 |
5.0 |
10,998 |
3.8 |
11,042 |
4.4 | ||||||
Hana Bank |
14,593 |
3.8 |
7,552 |
2.6 |
2,017 |
0.8 | ||||||
Korea Exchange Bank |
14,520 |
3.7 |
8,719 |
3.0 |
2,394 |
1.0 | ||||||
KorAm Bank |
7,822 |
2.0 |
2,432 |
0.8 |
2,264 |
0.9 | ||||||
Shinhan Bank |
7,305 |
1.9 |
2,943 |
1.0 |
2,374 |
1.0 | ||||||
Seoul Bank |
6,355 |
1.6 |
1,078 |
0.4 |
862 |
0.3 | ||||||
Chohung Bank |
3,133 |
0.8 |
2,326 |
0.8 |
1,702 |
0.7 | ||||||
Korea First Bank |
976 |
0.3 |
658 |
0.2 |
550 |
0.2 | ||||||
|
|
|
|
|
| |||||||
Total |
388,709 |
100 |
290,201 |
100 |
249,665 |
100 | ||||||
|
|
|
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||||
Average balance |
Interest rate (%) |
Average balance |
Interest rate (%) |
Average balance |
Interest rate (%) | |||||||||
Won currency |
Deposits and Mutual installment |
112,385,172 |
4.27 |
63,743,997 |
5.53 |
47,038,144 |
6.18 | |||||||
Certificate of deposit |
1,869,185 |
4.76 |
2,022,414 |
6.10 |
1,910,630 |
6.99 | ||||||||
Borrowings |
4,687,222 |
4.47 |
3,784,147 |
4.85 |
3,317,619 |
6.43 | ||||||||
Call money |
1,089,947 |
3.99 |
403,937 |
4.11 |
562,807 |
4.89 | ||||||||
Other |
12,702,223 |
6.97 |
9,112,858 |
7.57 |
5,799,092 |
10.78 | ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
132,733,749 |
4.54 |
79,067,353 |
5.74 |
56,628,292 |
6.67 | ||||||||
|
|
|
|
|
| |||||||||
Foreign currency |
Deposits |
1,083,844 |
1.32 |
952,701 |
3.08 |
882,344 |
5.20 | |||||||
Borrowings |
2,191,757 |
2.65 |
2,018,537 |
5.47 |
2,725,810 |
7.10 | ||||||||
Call money |
328,095 |
1.71 |
223,156 |
3.67 |
193,324 |
6.31 | ||||||||
Finance debentures |
1,122,501 |
3.63 |
1,430,804 |
5.68 |
1,521,343 |
7.75 | ||||||||
Other |
20,338 |
|
15,081 |
|
13,666 |
| ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
4,746,536 |
2.63 |
4,640,279 |
5.32 |
5,336,487 |
7.20 | ||||||||
|
|
|
|
|
| |||||||||
Other |
Total Shareholders Equity |
10,248,391 |
|
7,463,687 |
|
5,001,918 |
| |||||||
Allowance for credit losses |
65,074 |
|
353,183 |
|
519,496 |
| ||||||||
Other |
8,270,235 |
|
4,065,899 |
|
3,032,325 |
| ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
18,583,700 |
|
11,882,769 |
|
8,553,739 |
| ||||||||
|
|
|
|
|
| |||||||||
Total |
156,063,984 |
3.94 |
95,590,401 |
5.00 |
72,518,518 |
5.92 | ||||||||
|
|
|
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||||
Average balance |
Interest rate (%) |
Average balance |
Interest rate (%) |
Average balance |
Interest rate (%) | |||||||||
Won currency |
Loans |
102,152,955 |
7.88 |
53,575,082 |
8.87 |
38,301,330 |
9.71 | |||||||
Advances for customers |
96,544 |
4.12 |
127,704 |
3.84 |
337,987 |
4.62 | ||||||||
Call loan |
872,710 |
4.33 |
1,765,067 |
4.80 |
524,653 |
6.59 | ||||||||
Due from banks |
1,102,690 |
4.59 |
1,339,572 |
5.60 |
3,276,652 |
7.39 | ||||||||
Securities |
30,365,243 |
5.66 |
23,861,424 |
6.78 |
18,030,147 |
9.38 | ||||||||
Other |
490,133 |
|
614,014 |
|
145,983 |
| ||||||||
Private placement corporate bonds |
1,733,142 |
6.74 |
2,065,179 |
10.32 |
1,878,194 |
9.21 | ||||||||
Credit card accounts |
5,564,866 |
10.49 |
912,210 |
17.63 |
565,673 |
10.54 | ||||||||
Allowance for credit losses () |
1,504,583 |
|
1,297,930 |
|
1,224,823 |
| ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
140,873,700 |
7.58 |
82,962,322 |
8.50 |
61,835,796 |
9.73 | ||||||||
|
|
|
|
|
| |||||||||
Foreign currency |
Loans |
3,678,092 |
3.09 |
3,870,853 |
5.66 |
3,073,781 |
7.69 | |||||||
Call loan |
210,625 |
2.01 |
185,466 |
4.15 |
209,312 |
6.88 | ||||||||
Due from banks |
142,321 |
1.39 |
121,994 |
3.28 |
1,335,708 |
7.50 | ||||||||
Bills bought |
867,404 |
4.92 |
1,045,331 |
7.60 |
719,683 |
10.16 | ||||||||
Securities |
1,283,633 |
9.56 |
1,079,359 |
9.13 |
961,991 |
12.48 | ||||||||
Other |
19,022 |
|
116,454 |
|
|
| ||||||||
Allowance for credit losses () |
277,401 |
|
116,454 |
|
452,210 |
| ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
5,923,696 |
4.94 |
6,152,844 |
7.11 |
5,848,355 |
9.40 | ||||||||
|
|
|
|
|
| |||||||||
Other |
Cash |
882,417 |
|
530,451 |
|
421,390 |
| |||||||
Fixed assets used for business purpose |
3,049,764 |
|
1,462,413 |
|
1,298,813 |
| ||||||||
Other |
5,334,407 |
|
4,482,371 |
|
3,114,164 |
| ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
9,266,588 |
|
6,475,235 |
|
4,834,367 |
| ||||||||
|
|
|
|
|
| |||||||||
Total |
156,063,984 |
7.03 |
95,590,401 |
7.83 |
72,518,518 |
9.06 | ||||||||
|
|
|
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||||
Average balance |
Ending balance |
Average balance |
Ending balance |
Average balance |
Ending balance | |||||||||
Deposits in Won |
Demand deposits |
10,324,260 |
12,520,359 |
4,832,281 |
10,824,005 |
3,720,546 |
4,173,966 | |||||||
Time & savings deposits |
92,765,950 |
95,079,757 |
53,496,908 |
89,080,935 |
40,279,328 |
43,495,480 | ||||||||
Mutual installment deposits |
8,245,049 |
7,604,811 |
6,469,772 |
8,871,193 |
4,632,965 |
5,521,161 | ||||||||
Mutual installment for housing |
4,362,565 |
4,660,379 |
928,398 |
4,128,489 |
73,831 |
204,111 | ||||||||
Certificates of deposits |
1,869,185 |
2,327,069 |
2,022,414 |
1,154,056 |
1,910,630 |
2,424,947 | ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
117,567,009 |
122,192,375 |
67,749,773 |
114,058,678 |
50,617,300 |
55,819,665 | ||||||||
|
|
|
|
|
| |||||||||
Deposits in foreign currency |
1,083,844 |
986,415 |
952,701 |
1,102,626 |
858,330 |
702,481 | ||||||||
|
|
|
|
|
| |||||||||
Trust deposits |
Money trust |
17,715,948 |
16,340,721 |
20,375,456 |
19,739,709 |
22,279,546 |
20,349,257 | |||||||
Property trust |
19,820,158 |
20,229,269 |
5,409,033 |
12,559,922 |
92,838 |
875,984 | ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
37,536,106 |
36,569,990 |
25,784,489 |
32,299,631 |
22,372,384 |
21,225,241 | ||||||||
|
|
|
|
|
| |||||||||
Total |
156,186,959 |
159,748,780 |
94,486,963 |
147,460,935 |
73,848,014 |
77,747,387 | ||||||||
|
|
|
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||
Deposits |
122,370 |
133,548 |
120,422 | |||
Deposits in Won |
121,548 |
132,320 |
119,089 |
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||
Deposits |
7,192 |
7,243 |
5,917 | |||
Deposits in Won |
7,143 |
7,176 |
5,852 |
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||
Average balance |
Ending balance |
Average balance |
Ending balance |
Average balance |
Ending balance | |||||||
Loans in Won |
102,110,345 |
110,947,427 |
53,498,087 |
94,698,769 |
38,301,330 |
43,436,111 | ||||||
Loans in foreign currency |
3,683,440 |
3,521,209 |
3,924,562 |
4,174,237 |
3,077,642 |
2,970,653 | ||||||
Advances to customers |
115,566 |
73,337 |
244,158 |
199,831 |
337,987 |
240,992 | ||||||
|
|
|
|
|
| |||||||
Subtotal |
105,909,351 |
114,541,973 |
57,666,807 |
99,072,837 |
41,716,959 |
46,647,756 | ||||||
|
|
|
|
|
| |||||||
Trust account loans |
848,871 |
653,829 |
2,194,851 |
1,117,817 |
4,216,018 |
3,170,756 | ||||||
|
|
|
|
|
| |||||||
Total |
106,758,222 |
115,195,802 |
59,861,658 |
100,190,654 |
45,932,977 |
49,818,512 | ||||||
|
|
|
|
|
|
Less than 1 year |
More than 1 year-less
than 3 years |
More than 3 years-less than 5 years |
More than 5 years |
Total | ||||||
Loans in Won |
51,317,450 |
40,589,920 |
6,662,271 |
12,377,786 |
110,947,427 | |||||
Loans in foreign currencies |
2,281,230 |
580,091 |
197,474 |
462,414 |
3,521,209 |
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||
Loans to enterprise |
Loans for operations |
34,332,289 |
29,286,707 |
20,899,277 | ||||
Loans for equipments |
5,163,467 |
4,434,447 |
4,393,664 | |||||
Loans to households |
39,177,012 |
34,648,918 |
14,215,303 | |||||
Loans to public sector & others |
Loans for operations |
738,637 |
737,206 |
1,914,841 | ||||
Loans for equipment |
50,493 |
57,211 |
49,508 | |||||
Loans on property formation savings |
101,986 |
155,201 |
248,271 | |||||
Loans for housing |
31,318,266 |
25,342,969 |
1,663,904 | |||||
Inter-bank loans |
24,598 |
36,110 |
51,343 | |||||
Others |
40,679 |
|
| |||||
|
|
| ||||||
Total |
110,947,427 |
94,698,769 |
43,436,111 | |||||
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||
Loans1 (A) |
102,110,345 |
53,498,087 |
38,301,330 | |||
Deposits2 (B) |
117,567,009 |
67,749,773 |
50,617,300 | |||
|
|
| ||||
Loan to deposit ratio (A/B) |
86.85 |
78.96 |
75.67 | |||
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||
Confirmed |
3,009,302 |
3,521,970 |
3,035,968 | |||
Unconfirmed |
1,336,807 |
1,369,723 |
1,183,433 | |||
|
|
| ||||
Total |
4,346,109 |
4,891,693 |
4,219,401 | |||
|
|
|
1. |
Average balance of loans in Won for nine months ended September 30, 2002 |
2. |
Average balance of deposits in Won for nine months ended September 30, 2002, which includes certificate of deposits |
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||||
Average balance |
Ending balance |
Average balance |
Ending balance |
Average balance |
Ending balance | |||||||||
Securities in Won (Banking account) |
Monetary stabilization bonds |
2,773,425 |
2,552,173 |
3,571,137 |
3,139,925 |
2,773,897 |
1,973,079 | |||||||
Government and public bonds |
4,080,198 |
4,635,422 |
4,454,446 |
4,602,576 |
4,095,760 |
4,595,840 | ||||||||
Debentures |
13,380,635 |
12,684,949 |
11,410,904 |
14,879,912 |
8,431,478 |
9,151,880 | ||||||||
Stocks |
2,166,005 |
2,116,500 |
1,309,134 |
2,154,449 |
1,004,648 |
1,142,113 | ||||||||
Others |
7,964,979 |
7,485,258 |
3,115,803 |
7,348,220 |
1,724,364 |
1,588,295 | ||||||||
|
|
|
|
|
| |||||||||
Sub-total |
30,365,242 |
29,474,302 |
23,861,424 |
32,125,082 |
18,030,147 |
18,451,207 | ||||||||
|
|
|
|
|
| |||||||||
Securities (Trust account) |
Monetary stabilization bonds |
1,501,710 |
865,980 |
3,228,021 |
2,725,071 |
3,654,209 |
3,365,883 | |||||||
Government and public bonds |
2,223,446 |
1,561,365 |
2,990,549 |
3,059,777 |
1,894,815 |
2,816,167 | ||||||||
Debentures |
8,069,491 |
8,038,130 |
7,635,765 |
7,613,829 |
6,966,409 |
6,828,929 | ||||||||
Stocks |
894,341 |
899,619 |
672,845 |
890,151 |
568,650 |
547,797 | ||||||||
Foreign securities |
528,991 |
605,663 |
118,147 |
370,415 |
39,711 |
0 | ||||||||
Others |
3,949,909 |
4,097,012 |
4,340,103 |
3,913,328 |
5,718,473 |
3,576,520 | ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
17,167,888 |
16,067,769 |
18,985,430 |
18,572,571 |
18,842,267 |
17,135,296 | ||||||||
|
|
|
|
|
| |||||||||
Foreign currency (Banking account) |
Foreign securities |
945,440 |
937,795 |
736,084 |
909,730 |
631,040 |
583,229 | |||||||
Off-shore foreign securities |
338,193 |
281,535 |
343,275 |
382,542 |
370,664 |
316,868 | ||||||||
|
|
|
|
|
| |||||||||
Subtotal |
1,283,633 |
1,219,330 |
1,079,359 |
1,292,272 |
1,001,704 |
900,097 | ||||||||
|
|
|
|
|
| |||||||||
Total |
48,816,763 |
46,761,401 |
43,926,213 |
51,989,925 |
37,874,118 |
36,486,600 | ||||||||
|
|
|
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||||
Total amount trusted |
Trust fees |
Total amount trusted |
Trust fees |
Total amount trusted |
Trust fees | |||||||
Return-guaranteed trust |
1,453 |
42,396 |
25,551 |
- 17,147 |
581,332 |
- 77,157 | ||||||
Performance trust |
37,534,653 |
178,844 |
25,758,938 |
353,890 |
21,821,152 |
308,287 | ||||||
|
|
|
|
|
| |||||||
Total |
37,536,106 |
221,240 |
25,784,489 |
336,743 |
22,402,484 |
231,130 | ||||||
|
|
|
|
|
|
As of or for the nine months ended September 30 |
As of or for the year ended December 31 | |||||||
2002 |
2001 |
2000 | ||||||
Number of card holders (Person) |
Corporate |
56,904 |
23,811 |
17,942 | ||||
Individual |
4,862,346 |
4,017,950 |
3,053,224 | |||||
Number of merchants |
291,321 |
262,619 |
196,264 | |||||
Profit |
Sales1 |
20,579,267 |
22,272,700 |
12,538,100 | ||||
Fee revenue |
767,770 |
819,399 |
440,653 |
As of or for the nine months ended September 30 |
As of or for the year ended December 31 | |||||||
2002 |
2001 |
2000 | ||||||
Number of card holders (Person) |
Corporate |
334,708 |
105,600 |
137,657 | ||||
Individual |
12,651,860 |
9,605,946 |
8,036,140 | |||||
Number of merchants |
1,532,601 |
1,675,176 |
1,230,838 | |||||
Profit |
Sales1 |
62,490,402 |
65,382,300 |
37,875,680 | ||||
Fee revenue3 |
85,601 |
142,700 |
115,355 |
1. |
Includes credit card receivables and cash advances. |
2. |
Sales include credit card receivables and cash advances. This is the result of Kookmin Credit Card, our KOSDAQ-registered, majority-owned subsidiary.
|
3. |
Kookmin Bank recognizes fee revenues under a fee agreement with Kookmin Credit Card. These amounts are the revenues Kookmin Bank received from Kookmin Credit
Card pursuant to the fee agreement. Kookmin Bank also recognizes non-operating revenue in connection with consolidation of Kookmin Credit Card under equity method. |
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||
Risk-adjusted capital (A) |
14,134,513 |
11,750,856 |
6,297,886 | |||
Risk-weighted assets (B) |
134,678,260 |
114,849,227 |
56,346,867 | |||
|
|
| ||||
BIS ratios (A/B) |
10.50 |
10.23 |
11.18 | |||
|
|
|
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||||
Balance of NPL |
NPL to total loans |
Balance of NPL |
NPL to total loans |
Balance of NPL |
NPL to total loans | |||||
2,504,223 |
1.95 |
2,954,464 |
2.62 |
2,656,100 |
4.84 |
1. |
Non-performing loans are defined as those loans that are past due more than 90 days or that are placed non-accrual status according to the Financial Supervisory
Services guidelines. |
September 30, 2002 |
December 31, 2001 |
December 31, 2000 | ||||||
Loan loss allowance |
Domestic |
2,325,910 |
2,255,068 |
1,822,208 | ||||
Overseas |
16,920 |
16,111 |
4,492 | |||||
|
|
| ||||||
Total |
2,342,830 |
2,271,179 |
1,826,700 | |||||
|
|
| ||||||
Write-offs for the nine months ended September 30, 2002 |
891,010 |
1,090,029 |
558,480 |
Year |
Service description |
Amount of payment | ||
2002 |
Project for improving the accounting process Advisory service for the conversion process in US GAAP |
690 1,450 | ||
2001 |
Due diligence on the assets and liabilities in connection with the merger Service on corporate tax adjustment |
2,400 85 | ||
2000 |
Service on corporate tax adjustment |
30 | ||
1999 |
Service on corporate tax adjustment |
11 |
|
matters relating to business objectives and performance evaluation; |
|
matters relating to amendments of the Articles of Incorporation; |
|
matters relating to budget and accounting including salaries of directors and employees; |
|
matters relating to major organizational changes such as dissolution, business transfer and merger; |
|
matters relating to internal control standards; or |
|
other matters determined by law and the board of directors regulations |
|
the Board Steering Committee; |
|
the Management Strategy Committee; |
|
the Risk Management Committee; |
|
the Audit Committee; and |
|
the Compensation Committee. |
|
Kookmin Leasing Co., Ltd. |
|
Jooeun Leasing Co., Ltd. |
|
KB Investment Co., Ltd. |
|
Kookmin Credit Card Co., Ltd. |
|
KB Investment Trust Management Co., Ltd. |
|
KB Real Estate Trust Co., Ltd. |
|
Kookeun Credit Information Co., Ltd. |
|
Kookmin Data System Corporation |
|
Kookmin Futures Co., Ltd. |
|
ING Life Korea Ltd. |
|
Kookmin Bank Luxemburg. S.A. |
|
Kookmin Bank International (London) Ltd. |
|
Kookmin Finance Hong Kong Ltd. |
Accounting results of the latest fiscal year | ||||||||||||
Company name |
Closing date |
Total Assets |
Total Liabilities |
Total Equities |
Sales |
Net income | ||||||
Kookmin Leasing |
March 31, 2002 |
513,160 |
546,530 |
-33,370 |
99,276 |
-39,624 | ||||||
Jooeun Leasing1 |
March 31, 2002 |
226,204 |
199,754 |
26,450 |
42,523 |
924 | ||||||
KB Investment |
December 31, 2001 |
92,941 |
9,009 |
83,932 |
14,890 |
9,953 | ||||||
Kookmin Credit Card |
December 31, 2001 |
10,577,491 |
9,399,912 |
1,177,579 |
2,340,631 |
458,195 | ||||||
KB Investment Trust Management |
March 31, 2002 |
60,074 |
14,945 |
45,129 |
34,161 |
19,243 | ||||||
KB Real Estate Trust |
December 31, 2001 |
290,096 |
211,283 |
78,813 |
52,568 |
3,864 | ||||||
Kookeun Credit Information |
December 31, 2001 |
13,263 |
3,595 |
9,668 |
26,252 |
2,022 | ||||||
Kookmin Data System Corporation |
December 31, 2001 |
15,464 |
3,053 |
12,411 |
28,845 |
2,577 | ||||||
Kookmin Futures |
March 31, 2002 |
46,826 |
23,396 |
23,430 |
14,622 |
3,519 | ||||||
ING Life Korea |
March 31, 2002 |
1,135,081 |
1,083,209 |
51,872 |
712,355 |
37,241 | ||||||
Kookmin Bank Luxemburg2 |
September 30, 2002 |
474,925 |
446,934 |
27,991 |
12,987 |
2,036 | ||||||
Kookmin Bank International (London)3 |
September 30, 2002 |
344,302 |
297,831 |
46,471 |
8,467 |
-234 | ||||||
Kookmin Finance Hong Kong4 |
September 30, 2002 |
345,892 |
285,034 |
60,858 |
17,722 |
10,582 |
1. |
On August 30, 2002, Kookmin Bank entered into an agreement with Sun Capital in connection with the disposition of 65.43% of its stake in Jooeun Leasing. On
October 28, 2002, Kookmin Bank additionally disposed of 5.03% of the total issued and outstanding shares of Jooeun Leasing. Currently Kookmin Bank holds 14.97% of the company. |
2. |
As of or for the nine months ended September 30, 2002 |
3. |
As of or for the nine months ended September 30, 2002 |
4. |
As of or for the nine months ended September 30, 2002 |
Name |
Number of Shares of Common Stock |
Percentage of Total Outstanding Shares of Common Stock |
|||
The Government of Korea |
30,623,761 |
9.64 |
% | ||
The Bank of New York1 |
42,941,310 |
13.52 |
% | ||
|
|
| |||
Total |
73,565,071 |
23.16 |
% | ||
|
|
|
April |
May |
June |
July |
October |
September | |||||||||
Registered |
High |
63,500 |
66,400 |
63,800 |
62,100 |
56,500 |
57,200 | |||||||
Common Shares |
Low |
54,300 |
60,000 |
57,100 |
53,300 |
50,700 |
44,750 | |||||||
|
|
|
|
|
| |||||||||
Trading Volume |
42,560 |
30,603 |
26,999 |
26,808 |
18,972 |
30,320 | ||||||||
|
|
|
|
|
|
April |
May |
June |
July |
October |
September | |||||||||
American |
High |
49.30 |
53.96 |
51.99 |
51.76 |
47.62 |
46.08 | |||||||
Depositary Shares |
Low |
41.35 |
46.50 |
47.70 |
44.10 |
42.10 |
35.43 | |||||||
|
|
|
|
|
| |||||||||
Trading Volume |
7,133 |
4,763 |
8,389 |
8,197 |
5,095 |
6,829 | ||||||||
|
|
|
|
|
|
1. |
As depositary bank of American Depositary Shares of Kookmin Bank |
Name |
Date of Birth |
Position | ||
Sanghoon Kim |
03/13/1942 |
Chairman | ||
Jungtae Kim |
08/15/1947 |
President & CEO | ||
Choulju Lee |
11/22/1939 |
Auditor & Executive Director |
Name |
Date of Birth |
Position | ||
Moonsoul Chung |
03/07/1938 |
Non-Executive Director | ||
Timothy Hartman |
03/01/1939 |
Non-Executive Director | ||
Sunjin Kim |
06/08/1942 |
Non-Executive Director | ||
Dongsoo Chung |
09/24/1945 |
Non-Executive Director | ||
Keunshik Oh |
09/12/1946 |
Non-Executive Director | ||
Kyunghee Yoon |
01/05/1947 |
Non-Executive Director | ||
Henry Cornell |
04/11/1956 |
Non-Executive Director | ||
Jihong Kim |
06/08/1956 |
Non-Executive Director |
Name |
Date of Birth |
Position | ||
Jongkyoo Yoon |
10/13/1955 |
Executive Vice President | ||
Donald MacKenzie |
12/20/1948 |
Executive Vice President | ||
Bonghwan Cho |
03/30/1950 |
Executive Vice President | ||
Sungchul Kim |
09/10/1951 |
Executive Vice President | ||
Jaein Suh |
08/11/1947 |
Executive Vice President | ||
Buhmsoo Choi |
08/08/1956 |
Executive Vice President | ||
Bockwoan Kim |
11/17/1944 |
Executive Vice President | ||
Youngil Kim |
07/06/1953 |
Executive Vice President | ||
Kitaek Hong |
01/16/1948 |
Executive Vice President | ||
Sunghyun Chung |
08/10/1947 |
Executive Vice President | ||
Kisup Shin |
10/29/1955 |
Executive Vice President | ||
Seongkyu Lee |
10/25/1959 |
Executive Vice President | ||
Jongin Park |
03/10/1954 |
Executive Vice President | ||
Byungsang Kim |
02/19/1947 |
Executive Vice President | ||
Woojung Lee |
07/11/1949 |
Executive Vice President |
Number of Employees |
Average Tenure (year) |
Total Payment for the 9 Months |
Average Monthly Payment per Person | |||||||||
Full-time |
Contractual |
Total |
||||||||||
Male |
13,671 |
1,183 |
14,854 |
14.28 |
594,612 |
4.4 | ||||||
Female |
5,164 |
6,884 |
12,048 |
11.48 |
254,834 |
2.4 | ||||||
|
|
|
|
|
| |||||||
Total |
18,835 |
8,067 |
26,902 |
13.51 |
849,445 |
3.5 | ||||||
|
|
|
|
|
|
Page | ||
Kookmin Bank Review Report 2002 for the Nine-Month Periods Ended September 30, 2002 and 2001 |
||
Review Report of Independent Accountants |
F-1 | |
Kookmin Bank Non-Consolidated Balance Sheets September 30, 2001 and
2001 |
F-4 | |
Kookmin Bank Non-Consolidated Statements of Income for the Nine-Month
Period Ended September 30, 2002 and 2001 |
F-5 | |
Notes to Non-Consolidated Financial Statements for the Nine-Month
Periods Ended September 30, 2002 and 2001 |
F-7 |
Kookmin Bank | ||||||
(Registrant) | ||||||
Date: November 25, 2002 |
By: /s/ Jong-Kyoo Yoon | |||||
(Signature) | ||||||
Name: |
Jong-Kyoo Yoon | |||||
Title: |
Executive Vice President & Chief Financial Officer |
Credit risk Classification |
Allowance rates Before May 10, 2002 |
Allowance rates since May 10, 2002 |
|||||||
Consumer |
Credit cards |
||||||||
Normal |
0.5 |
% |
0.75 |
% |
1.0 |
% | |||
Precautionary |
2.0 |
% |
5.0 |
% |
7.0 |
% | |||
Sub-standard |
20.0 |
% |
20.0 |
% |
20.0 |
% | |||
Doubtful |
50.0 |
% |
55.0 |
% |
60.0 |
% | |||
Estimated Loss |
100.0 |
% |
100.0 |
% |
100.0 |
% |
In Millions of Korean
Won | ||||||
2002 |
2001 | |||||
ASSETS |
||||||
Cash and due from banks (Note 3) |
(Won) |
6,241,327 |
(Won) |
4,264,196 | ||
Trading securities (Note 4) |
|
5,794,366 |
|
2,651,849 | ||
Investment securities (Note 5) |
|
24,899,266 |
|
21,857,862 | ||
Loans (Notes 6 and 7) |
|
121,350,946 |
|
54,885,280 | ||
Fixed assets (Note 8) |
|
3,036,347 |
|
1,280,713 | ||
Other assets (Note 9) |
|
6,166,926 |
|
4,353,717 | ||
|
|
|
| |||
Total Assets |
(Won) |
167,489,178 |
(Won) |
89,293,617 | ||
|
|
|
| |||
LIABILITIES AND SHAREHOLDERS EQUITY |
||||||
Deposits (Note 10) |
(Won) |
123,178,790 |
(Won) |
62,355,178 | ||
Borrowings (Note 11) |
|
10,254,380 |
|
9,980,267 | ||
Debentures (Note 12) |
|
13,514,926 |
|
5,612,062 | ||
Other liabilities (Note 13) |
|
10,249,445 |
|
6,245,609 | ||
|
|
|
| |||
Total Liabilities |
|
157,197,541 |
|
84,193,116 | ||
|
|
|
| |||
Commitments and contingencies (Notes 15 and 17) |
||||||
Common stock, par value : (Won)5,000, authorized : 1,000 million shares, issued
and outstanding : 317,677,416 shares (Notes 1 and 18) |
|
1,588,387 |
|
1,677,932 | ||
Capital surplus (Note 19) |
|
5,683,828 |
|
1,616,052 | ||
Retained earnings (Note 20) |
|
2,951,013 |
|
1,639,081 | ||
Capital adjustments (Note 21) |
|
68,409 |
|
167,436 | ||
Total Shareholders Equity |
|
10,291,637 |
|
5,100,501 | ||
|
|
|
| |||
Total Liabilities and Shareholders Equity |
(Won) |
167,489,178 |
(Won) |
89,293,617 | ||
|
|
|
|
In Millions of Korean
Won | ||||||
2002 |
2001 | |||||
Interest income : |
||||||
Interest on due from banks |
(Won) |
39,314 |
(Won) |
68,459 | ||
Interest on trading securities |
|
73,560 |
|
138,189 | ||
Interest on investment securities |
|
1,076,831 |
|
1,057,927 | ||
Interest on loans |
|
6,817,728 |
|
3,652,105 | ||
Other interest income |
|
80,222 |
|
93,420 | ||
|
|
|
| |||
|
8,087,655 |
|
5,010,100 | |||
|
|
|
| |||
Interest expenses : |
||||||
Interest on deposits |
|
3,581,922 |
|
2,465,341 | ||
Interest on borrowings |
|
306,297 |
|
373,557 | ||
Interest on debentures |
|
578,277 |
|
382,315 | ||
Other interest expenses |
|
49,507 |
|
40,459 | ||
|
|
|
| |||
|
4,516,003 |
|
3,261,672 | |||
|
|
|
| |||
Net interest income |
|
3,571,652 |
|
1,748,428 | ||
Bad debt expense (Note 7) |
|
946,200 |
|
509,324 | ||
|
|
|
| |||
Net interest income after bad debt expenses |
|
2,625,452 |
|
1,239,104 | ||
|
|
|
| |||
Non-interest income : |
||||||
Fees and commission income |
|
1,013,260 |
|
291,201 | ||
Dividends on trading securities |
|
1,123 |
|
323 | ||
Dividends on investment securities |
|
18,832 |
|
7,650 | ||
Gain on foreign currency transactions |
|
142,416 |
|
196,154 | ||
Gain on derivatives (Note 16) |
|
1,856,401 |
|
1,869,446 | ||
Others (Note 23) |
|
482,668 |
|
367,666 | ||
|
|
|
| |||
|
3,514,700 |
|
2,732,440 | |||
|
|
|
|
In Millions of Korean
Won | ||||||
2002 |
2001 | |||||
Non-interest expenses : |
||||||
Fees and commission expenses |
(Won) |
254,248 |
(Won) |
60,364 | ||
General and administrative expenses (Note 24) |
|
1,773,528 |
|
845,776 | ||
Loss on foreign currency transactions |
|
182,178 |
|
73,918 | ||
Loss on derivatives (Note 16) |
|
1,693,205 |
|
1,912,309 | ||
Others (Note 23) |
|
242,562 |
|
189,137 | ||
|
|
|
| |||
|
4,145,721 |
|
3,081,504 | |||
|
|
|
| |||
Operating income |
|
1,994,431 |
|
890,040 | ||
Non-operating income, net (Note 25) |
|
191,733 |
|
358,263 | ||
|
|
|
| |||
Net income before income tax expense |
|
2,186,164 |
|
1,248,303 | ||
Income tax expense (Note 26) |
|
673,296 |
|
385,241 | ||
|
|
|
| |||
Net income |
(Won) |
1,512,868 |
(Won) |
863,062 | ||
|
|
|
| |||
Basic earnings per share (Note 27) (in Korean Won) |
(Won) |
4,767 |
(Won) |
4,524 | ||
|
|
|
| |||
Diluted earnings per share (Note 27) (in Korean Won) |
(Won) |
4,624 |
(Won) |
3,847 | ||
|
|
|
|
Credit Risk Classification |
Credit Ratings before May 10,
2002 |
Credit Ratings after May 10,
2002 |
Allowance rates | |||
Normal |
AAA ~ B |
AAA ~ B |
0.5% | |||
Precautionary |
CCC |
B-, CCC |
2% | |||
Sub-standard |
CC |
CC |
20% | |||
Doubtful |
C |
C |
50% | |||
Estimated loss |
D |
D |
100% |
Allowance rates before May 10, 2002 |
Allowance rates since May 10, 2002 | |||||||
Credit Risk Classification |
Small-sized corporate |
Consumer |
Credit cards | |||||
Normal |
0.5% |
0.5% |
0.75% |
1.0% | ||||
Precautionary |
2.0% |
2.0% |
5.0% |
7.0% | ||||
Sub-standard |
20.0% |
20.0% |
20.0% |
20.0% | ||||
Doubtful |
50.0% |
50.0% |
55.0% |
60.0% | ||||
Estimated loss |
100.0% |
100.0% |
100.0% |
100.0% |
Valuation Method |
Recognition of Unrealized Gains
and Losses | |||
Trading securities |
Fair value |
Net income | ||
Investment securities |
||||
Available-for-sale securities and marketable equity securities |
Fair value |
Capital adjustments | ||
Held-to-maturity securities and non-marketable equity securities |
Cost |
N/A | ||
Investment in associates |
Equity |
Net income, retained earnings, or capital
adjustments per source of the gain or loss |
Tangible assets |
Amortization Method |
Estimated Useful Life | ||
Buildings and structures |
Straight-line method |
40 years | ||
Leasehold improvements |
Declining balance method |
4 years | ||
Equipment and vehicles |
Declining balance method |
4 years |
Intangible Asset |
Amortization Method |
Estimated Useful Life | ||
Goodwill |
Straight-line method |
9 years | ||
Trademarks |
Straight-line method |
1-10 years | ||
Other |
Straight-line method |
7-30 years |
2002 |
2001 |
|||||||||
Cash on hand |
||||||||||
Cash in Won |
(Won) |
2,982,866 |
|
(Won) |
1,323,354 |
| ||||
Cash in foreign currencies |
|
186,790 |
|
|
98,853 |
| ||||
|
|
|
|
|
| |||||
|
3,169,656 |
|
|
1,422,207 |
| |||||
|
|
|
|
|
| |||||
Due from banks in Won |
||||||||||
The Bank of Korea |
Reserve deposits |
|
1,924,221 |
|
|
1,867,405 |
| |||
Banks |
Time deposits |
|
21,192 |
|
|
|
| |||
Payment reserves |
|
458 |
|
|
340 |
| ||||
Certificates of deposits |
|
29,599 |
|
|
246,712 |
| ||||
Current accounts and others |
|
|
|
|
1,513 |
| ||||
Other financial institutions |
Cash management accounts |
|
8,423 |
|
|
102,726 |
| |||
Deposits at insurance companies |
|
678,500 |
|
|
314,000 |
| ||||
Deposits at Finance Savings & Finance Co. |
|
140,000 |
|
|
140,000 |
| ||||
Others |
Futures margin accounts |
|
1,473 |
|
|
41,281 |
| |||
Specified Money Trusts |
|
7,764 |
|
|
36,970 |
| ||||
Others |
|
458 |
|
|
446 |
| ||||
|
|
|
|
|
| |||||
|
2,812,088 |
|
|
2,751,393 |
| |||||
Present value discounts1* |
|
(22,121 |
) |
|
(29,682 |
) | ||||
|
|
|
|
|
| |||||
|
2,789,967 |
|
|
2,721,711 |
| |||||
|
|
|
|
|
| |||||
Due from banks in foreign currencies |
||||||||||
The Bank of Korea |
Demand deposits |
|
39,136 |
|
|
24,882 |
| |||
Domestic banks |
Demand deposits |
|
23,707 |
|
|
10,329 |
| |||
Foreign banks |
Demand deposits |
|
170,748 |
|
|
70,430 |
| |||
Others |
Other deposits |
|
48,113 |
|
|
14,637 |
| |||
|
|
|
|
|
| |||||
|
281,704 |
|
|
120,278 |
| |||||
|
|
|
|
|
| |||||
(Won) |
6,241,327 |
|
(Won) |
4,264,196 |
| |||||
|
|
|
|
|
|
1* |
Present value discounts are recorded in relation to the (Won)140,000 million of time deposits (1% interest, six-year maturity at the point of deposit) placed
with Hansol Mutual Savings & Finance Co., Ltd. (Previously, Bukook Mutual Savings & Finance Co., Ltd.). |
2002 |
2001 |
Restrictions | ||||||
Reserve deposits in the Bank of Korea and KEB |
(Won) |
1,987,522 |
(Won) |
1,902,956 |
General Banking Act | |||
Deposits placed with Hansol Mutual Savings & Finance Co. |
|
140,000 |
|
140,000 |
Withdrawal at maturity | |||
Deposits for severance payments |
|
678,500 |
|
314,000 |
Related to borrowings | |||
Other deposits |
|
10,043 |
|
71,709 |
Guarantee deposit | |||
|
|
|
|
|||||
(Won) |
2,816,065 |
(Won) |
2,428,665 |
|||||
|
|
|
|
Due from Banks in
Won |
Due from Banks in foreign currencies |
Total | |||||||
Due in 3 months or less |
(Won) |
2,580,896 |
(Won) |
281,704 |
(Won) |
2,862,600 | |||
Due after 3 months through 6 months |
|
20,000 |
|
|
|
20,000 | |||
Due after 6 months through 1 year |
|
|
|
|
|
| |||
Due after 1 year through 2 years |
|
70,000 |
|
|
|
70,000 | |||
Due after 2 years through 3 years |
|
50,000 |
|
|
|
50,000 | |||
Due after 3 years through 4 years |
|
90,000 |
|
|
|
90,000 | |||
Due after 4 years through 5 years |
|
|
|
|
|
| |||
Thereafter |
|
1,192 |
|
|
|
1,192 | |||
|
|
|
|
|
| ||||
(Won) |
2,812,088 |
(Won) |
281,704 |
(Won) |
3,093,792 | ||||
|
|
|
|
|
|
Beginning Balance1* |
Amortized Amount2* |
Balance Sheet Amount | |||||||||||||
Type |
Par Value |
2002 |
2001 | ||||||||||||
Listed equity securities |
(Won) |
61,920 |
(Won) |
61,920 |
(Won) |
55,011 |
(Won) |
16,500 | |||||||
|
|
|
|
|
|
|
| ||||||||
Government and municipal bonds |
|||||||||||||||
Treasury bonds |
(Won) |
255,000 |
|
260,612 |
|
260,247 |
|
262,608 |
|
607,297 | |||||
Public housing bonds |
|
|
|
|
|
|
|
|
|
116,012 | |||||
Foreign exchange stabilization bonds |
|
60,000 |
|
65,137 |
|
64,101 |
|
65,225 |
|
169,018 | |||||
|
|
|
|
|
|
|
| ||||||||
|
325,749 |
|
324,348 |
|
327,833 |
|
892,327 | ||||||||
|
|
|
|
|
|
|
| ||||||||
Finance debentures |
|||||||||||||||
Monetary stabilization bond |
|
900,000 |
|
901,814 |
|
901,361 |
|
905,538 |
|
599,672 | |||||
Other finance debentures |
|
90,000 |
|
90,651 |
|
90,501 |
|
91,061 |
|
170,259 | |||||
|
|
|
|
|
|
|
| ||||||||
|
992,465 |
|
991,862 |
|
996,599 |
|
769,931 | ||||||||
|
|
|
|
|
|
|
| ||||||||
Corporate bonds |
|||||||||||||||
Government guaranteed bonds |
|
150,000 |
|
154,173 |
|
153,122 |
|
154,236 |
|
727,753 | |||||
Other corporate bonds |
|
189,633 |
|
190,514 |
|
190,524 |
|
190,983 |
|
170,585 | |||||
|
|
|
|
|
|
|
| ||||||||
|
344,687 |
|
343,646 |
|
345,219 |
|
898,338 | ||||||||
|
|
|
|
|
|
|
| ||||||||
Beneficiary certificates |
|
3,924,518 |
|
3,924,518 |
|
4,069,704 |
|
11,926 | |||||||
|
|
|
|
|
|
|
| ||||||||
Trading securities in foreign currencies |
|||||||||||||||
Corporate bonds |
|
546 |
|
546 |
|
|
|
62,827 | |||||||
|
|
|
|
|
|
|
| ||||||||
(Won) |
5,649,885 |
|
5,646,840 |
(Won) |
5,794,366 |
(Won) |
2,651,849 | ||||||||
|
|
|
|
|
|
|
|
1* |
Book value at December 31, 2001 or acquisition costs for the nine-month period ended September 30, 2002 |
2* |
Amount amortized using effective interest rate method |
Securities in Won | |||||
Amount |
Ratio (%) | ||||
By Geography |
|||||
Korea |
(Won) |
5,794,366 |
100.00 | ||
|
|
| |||
(Won) |
5,794,366 |
100.00 | |||
|
|
| |||
By Type |
|||||
Fixed rate bond |
(Won) |
1,639,898 |
28.30 | ||
Floating rate bond |
|
29,752 |
0.51 | ||
Equity securities |
|
55,012 |
0.95 | ||
Beneficiary certificates |
|
4,069,704 |
70.24 | ||
|
|
| |||
(Won) |
5,794,366 |
100.00 | |||
|
|
| |||
By Issuer |
|||||
Governmental institutions |
(Won) |
327,833 |
5.66 | ||
Government invested institutions |
|
156,577 |
2.70 | ||
Financial institutions |
|
5,101,130 |
88.04 | ||
Other |
|
208,826 |
3.60 | ||
|
|
| |||
(Won) |
5,794,366 |
100.00 | |||
|
|
|
Government and Municipal Bonds |
Finance Debentures |
Corporate Bonds |
Beneficiary Certificates |
Total | |||||||||||
Due in 3 months or less |
(Won) |
|
(Won) |
20,029 |
(Won) |
|
(Won) |
4,069,704 |
(Won) |
4,089,733 | |||||
Due after 3 months through 9 months |
|
|
|
10,088 |
|
|
|
|
|
10,088 | |||||
Due after 9 months through 1 year |
|
|
|
19,015 |
|
20,753 |
|
|
|
39,768 | |||||
Due after 1 year through 2 years |
|
30,496 |
|
876,185 |
|
160,523 |
|
|
|
1,067,204 | |||||
Due after 2 years through 3 years |
|
193,855 |
|
71,282 |
|
40,597 |
|
|
|
305,734 | |||||
Due after 3 years through 4 years |
|
83,207 |
|
|
|
112,897 |
|
|
|
196,104 | |||||
Due after 4 years through 5 years |
|
20,275 |
|
|
|
10,449 |
|
|
|
30,724 | |||||
Thereafter |
|
|
|
|
|
|
|
|
|
| |||||
|
|
|
|
|
|
|
|
|
| ||||||
(Won) |
327,833 |
(Won) |
996,599 |
(Won) |
345,219 |
(Won) |
4,069,704 |
(Won) |
5,739,355 | ||||||
|
|
|
|
|
|
|
|
|
|
Type |
2002 |
2001 | ||||
Equity securities |
||||||
Marketable equity securities |
(Won) |
277,332 |
(Won) |
170,656 | ||
Non-marketable equity securities |
|
350,251 |
|
263,395 | ||
Domestic related parties |
|
1,433,906 |
|
1,044,698 | ||
|
|
|
| |||
|
2,061,489 |
|
1,478,749 | |||
|
|
|
| |||
Investment in special funds |
||||||
Stock market stabilization fund |
|
19,852 |
|
15,282 | ||
Investment union fund |
|
22,509 |
|
14,508 | ||
|
|
|
| |||
|
42,361 |
|
29,790 | |||
|
|
|
| |||
Government and municipal bonds |
||||||
Treasury bonds |
|
2,871,688 |
|
2,036,456 | ||
Public housing bonds |
|
292,246 |
|
398,435 | ||
Grain supply bonds |
|
51,687 |
|
84,138 | ||
Foreign exchange stabilization bonds |
|
964,291 |
|
692,048 | ||
Municipal bonds |
|
43,841 |
|
174,912 | ||
|
|
|
| |||
|
4,223,753 |
|
3,385,989 | |||
|
|
|
| |||
Finance debentures |
||||||
Monetary stabilization bond |
|
1,646,635 |
|
2,863,194 | ||
Other finance debentures |
|
620,669 |
|
1,147,068 | ||
|
|
|
| |||
|
2,267,304 |
|
4,010,262 | |||
|
|
|
| |||
Corporate bonds |
||||||
Government guaranteed bonds |
|
7,448,679 |
|
5,898,219 | ||
Other corporate bonds |
|
3,990,820 |
|
3,778,261 | ||
|
|
|
| |||
|
11,439,499 |
|
9,676,480 | |||
|
|
|
| |||
Beneficiary certificates |
|
3,371,351 |
|
2,261,700 | ||
|
|
|
| |||
Securities lent |
|
272,337 |
|
| ||
|
|
|
| |||
Other investment securities1* |
|
1,842 |
|
138 | ||
|
|
|
| |||
Securities denominated in foreign currencies |
||||||
Overseas related parties |
|
125,638 |
|
73,345 | ||
Equity securities |
|
30,263 |
|
27,264 | ||
Debt securities |
|
1,063,429 |
|
914,145 | ||
|
|
|
| |||
|
1,219,330 |
|
1,014,754 | |||
|
|
|
| |||
(Won) |
24,899,266 |
(Won) |
21,857,862 | |||
|
|
|
|
1* |
Other investment securities include commercial paper and national stock trust. |
Par Value |
Beginning Balance1* |
Amortized Amount |
Balance sheet Amount | |||||||||
Available for sale |
||||||||||||
Government and municipal bonds |
(Won) |
1,888,966 |
(Won) |
1,931,965 |
(Won) |
1,903,058 |
(Won) |
1,937,093 | ||||
Finance debentures |
|
1,598,398 |
|
1,557,695 |
|
1,561,356 |
|
1,579,783 | ||||
Corporate bonds |
|
3,975,234 |
|
3,855,626 |
|
3,807,425 |
|
3,830,535 | ||||
Securities denominated in foreign currencies |
|
1,131,495 |
|
972,504 |
|
1,007,892 |
|
987,815 | ||||
|
|
|
|
|
|
|
| |||||
|
8,594,093 |
|
8,317,790 |
|
8,279,731 |
|
8,335,226 | |||||
|
|
|
|
|
|
|
| |||||
Held to maturity |
||||||||||||
Government and municipal bonds |
|
2,277,623 |
|
2,293,372 |
|
2,286,660 |
|
2,286,660 | ||||
Finance debentures |
|
714,700 |
|
687,462 |
|
687,522 |
|
687,521 | ||||
Corporate bonds |
|
7,574,918 |
|
7,676,733 |
|
7,608,964 |
|
7,608,964 | ||||
Securities denominated in foreign currencies |
|
94,263 |
|
75,416 |
|
75,614 |
|
75,614 | ||||
|
|
|
|
|
|
|
| |||||
|
10,661,504 |
|
10,732,983 |
|
10,658,760 |
|
10,658,759 | |||||
|
|
|
|
|
|
|
| |||||
(Won) |
19,255,597 |
(Won) |
19,050,773 |
(Won) |
18,938,491 |
(Won) |
18,993,985 | |||||
|
|
|
|
|
|
|
|
1* |
Book value at December 31, 2001 or acquisition costs for the nine-month period ended September 30, 2002. |
Ownership (%)
|
Acquisition Cost |
2002 Beginning Balance8* |
Unrealized Gains (Losses)9* |
Balance Sheet Amount10* | ||||||||||||||||||||||
Issuer |
NI |
R/E |
C/A |
2002 |
2001 | |||||||||||||||||||||
Domestic related parties |
||||||||||||||||||||||||||
Kookmin Credit Card Co., Ltd. |
74.27 |
(Won) |
272,274 |
(Won) |
873,991 |
(Won) |
219,558 |
|
(Won) |
585 |
|
(Won) |
506 |
|
(Won) |
1,094,640 |
(Won) |
860,245 | ||||||||
Kookmin Venture Capital Co.,Ltd.1* |
99.89 |
|
155,311 |
|
179,694 |
|
(82,211 |
) |
|
10,155 |
|
|
239 |
|
|
107,877 |
|
116,177 | ||||||||
Kookmin Leasing Co., Ltd. |
88.66 |
|
266,646 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||||
Kookmin Investment Trust Mgt.2* |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
32,851 | ||||||||
Kookmin Data System Co., Ltd. |
99.98 |
|
7,998 |
|
12,408 |
|
1,677 |
|
|
|
|
|
|
|
|
14,085 |
|
12,207 | ||||||||
Kookmin Futures Co., Ltd. |
99.98 |
|
19,996 |
|
22,515 |
|
2,229 |
|
|
(49 |
) |
|
46 |
|
|
24,741 |
|
22,561 | ||||||||
KLB Securities Co., Ltd.3* |
36.41 |
|
10,316 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
657 | ||||||||
Jooeun Leasing Co., Ltd. |
20.00 |
|
5,184 |
|
5,238 |
|
(38 |
) |
|
|
|
|
(93 |
) |
|
5,107 |
|
| ||||||||
KB Investment Trust Mgt Co.,Ltd.4* |
80.00 |
|
39,015 |
|
32,685 |
|
10,229 |
|
|
|
|
|
|
|
|
42,914 |
|
| ||||||||
Jooeun Industrial Co., Ltd.5* |
99.99 |
|
23,994 |
|
8,465 |
|
(8,465 |
) |
|
|
|
|
|
|
|
|
|
| ||||||||
KB Real Estate Trust Co., Ltd.6* |
99.99 |
|
76,103 |
|
78,538 |
|
7,959 |
|
|
|
|
|
|
|
|
86,497 |
|
| ||||||||
KB Credit Information Co.Ltd.7* |
62.57 |
|
7,935 |
|
8,082 |
|
(223 |
) |
|
|
|
|
|
|
|
7,859 |
|
| ||||||||
ING Life Korea Co., Ltd. |
20.00 |
|
21,768 |
|
24,892 |
|
(8,273 |
) |
|
|
|
|
|
|
|
16,619 |
|
| ||||||||
Korea Mortgage Co.,Ltd. |
28.22 |
|
30,000 |
|
32,487 |
|
1,080 |
|
|
|
|
|
|
|
|
33,567 |
|
| ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||||||
|
936,540 |
|
1,278,995 |
|
143,522 |
|
|
10,691 |
|
|
698 |
|
|
1,433,906 |
|
1,044,698 | ||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||||||
Overseas related parties |
||||||||||||||||||||||||||
KB International Ltd. (London) |
100.00 |
|
40,276 |
|
46,705 |
|
(234 |
) |
|
|
|
|
|
|
|
46,471 |
|
47,758 | ||||||||
KB Luxembourg S.A. |
100.00 |
|
21,907 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,806 | ||||||||
Kookmin Singapore Ltd.3* |
100.00 |
|
26,585 |
|
2,128 |
|
|
|
|
|
|
|
|
|
|
2,128 |
|
2,273 | ||||||||
KookminFinance Asia Ltd.(H.K) |
100.00 |
|
26,522 |
|
15,900 |
|
281 |
|
|
|
|
|
|
|
|
16,181 |
|
19,508 | ||||||||
Kookmin Finance H.K Ltd. |
100.00 |
|
55,924 |
|
50,331 |
|
10,527 |
|
|
|
|
|
|
|
|
60,858 |
|
| ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||||||
|
171,214 |
|
115,064 |
|
10,574 |
|
|
|
|
|
|
|
|
125,638 |
|
73,345 | ||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||||||
(Won) |
1,107,754 |
(Won) |
1,394,059 |
(Won) |
154,096 |
|
(Won) |
10,691 |
|
(Won) |
698 |
|
(Won) |
1,559,544 |
(Won) |
1,118,043 | ||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1* |
Kookmin Venture Capital Co., Ltd merged with Frontier Investment Corp. and Kookmin Investment Co., Ltd, effective as of December 31, 2001 and June 27, 2002,
respectively. |
2* |
The Bank sold Kookmin Investment Trust Mgt. Co., Ltd. effective as of May 9, 2002 |
3* |
KLB Securities Co., Ltd. and Kookmin Singapore (merchant bank), Ltd. are in the process of liquidation. |
4* |
The company changed its name from Jooeun Investment management Co. Ltd. to KB Investment Trust Management Co. Ltd., effective as of June 10, 2002.
|
5* |
Dissolution of Jooeun Industrial Co., Ltd was resolved in the general meeting of stockholders of the Company on March 19, 2002. |
6* |
The company changed its name from Jooeun Real Estate trust Co. Ltd. to KB Real Estate trust Co. Ltd., effective as of September 16, 2002.
|
7* |
KB Credit Information Co., Ltd merged with KM Credit Information Co., Ltd. (KM), effective as of May 2, 2002 and changed its name to Kookmin Credit
Information Co., Ltd. |
8* |
The beginning balance is adjusted by dividends and changes in foreign exchange rate from the prior years book value. |
9* |
NI : Net Income, R/E : Retained Earnings, C/A : Capital Adjustments |
10* |
The balance sheet amount is recorded using the monthly closing information of related parties as of September 30, 2002 if possible, otherwise the most recent
financial information is used. |
Issuer |
Ownership (%) |
Acquisition Cost |
Fair Value or Net Asset Value1* |
Balance Sheet Amount | |||||||
Marketable equity securities (KSE) |
|||||||||||
Hyundai Construction Co., Ltd. |
6.17 |
(Won) |
140,124 |
(Won) |
65,463 |
(Won) |
65,463 | ||||
KP Chemical Co.,Ltd |
7.89 |
|
36,642 |
|
30,561 |
|
30,561 | ||||
SK Securities Co., Ltd. |
5.58 |
|
26,878 |
|
23,385 |
|
23,385 | ||||
Kia Motors Corp. |
0.65 |
|
26,281 |
|
18,922 |
|
18,922 | ||||
INI Steel Co., Ltd. |
2.04 |
|
9,564 |
|
14,968 |
|
14,968 | ||||
Daewoo Securities Co., Ltd. |
1.60 |
|
53,627 |
|
15,382 |
|
15,382 | ||||
Hankang Restructuring Fund. |
6.26 |
|
29,449 |
|
16,276 |
|
16,276 | ||||
Ssangyong Motor Company |
2.21 |
|
27,656 |
|
9,421 |
|
9,421 | ||||
Shinwon Corp. |
6.77 |
|
12,159 |
|
9,190 |
|
9,190 | ||||
Saehan Industries Inc. |
16.95 |
|
7,572 |
|
6,920 |
|
6,920 | ||||
Samsung Electronics Co., Ltd. |
0.02 |
|
5,205 |
|
8,955 |
|
8,955 | ||||
Korea Zinc Co., Ltd. |
1.91 |
|
9,008 |
|
4,972 |
|
4,972 | ||||
KT |
0.05 |
|
8,497 |
|
8,623 |
|
8,623 | ||||
Korea Electric Power Corporation |
0.05 |
|
6,120 |
|
6,180 |
|
6,180 | ||||
Daewoo Engineering & Construction Co., Ltd. |
1.35 |
|
5,077 |
|
5,405 |
|
5,405 | ||||
Daewoo Shipbuilding & Marine Engineering Co., Ltd. |
0.29 |
|
2,500 |
|
3,956 |
|
3,956 | ||||
Others |
|
23,245 |
|
20,015 |
|
20,015 | |||||
|
|
|
|
|
| ||||||
|
429,604 |
|
268,594 |
|
268,594 | ||||||
|
|
|
|
|
| ||||||
Marketable equity securities (KOSDAQ) |
|||||||||||
C&H capital Co., Ltd. |
9.75 |
|
8,136 |
|
2,865 |
|
2,865 | ||||
Seohan Co., Ltd. |
13.39 |
|
1,201 |
|
1,002 |
|
1,002 | ||||
KED media Co., Ltd. |
2.80 |
|
500 |
|
942 |
|
942 | ||||
Han Kook Capital Co., Ltd. |
1.71 |
|
1,203 |
|
795 |
|
795 | ||||
Tae Young Telstar Co., Ltd. |
3.33 |
|
1,000 |
|
675 |
|
675 | ||||
Shinwon Construction Co., Ltd. |
1.79 |
|
1,622 |
|
603 |
|
603 | ||||
Miju Steel Co., Ltd |
4.30 |
|
1,348 |
|
426 |
|
426 | ||||
KTF |
0.01 |
|
436 |
|
387 |
|
387 | ||||
Systems Technology Inc. |
3.03 |
|
250 |
|
322 |
|
322 | ||||
Others |
|
7,000 |
|
721 |
|
721 | |||||
|
|
|
|
|
| ||||||
|
22,696 |
|
8,738 |
|
8,738 | ||||||
|
|
|
|
|
| ||||||
Non-marketable equity securities |
|||||||||||
Mutual Fund2* |
11.87 |
|
96,138 |
|
96,138 |
|
96,138 | ||||
Korea Housing Guarantee Co., Ltd. |
11.79 |
|
68,648 |
|
76,543 |
|
68,648 | ||||
Daewoo Electronics Co.,Ltd. |
5.71 |
|
23,800 |
|
2,357 |
|
2,357 | ||||
Daewoo Telecom Ltd. |
0.68 |
|
417 |
|
25 |
|
25 | ||||
Kohap. Corp |
2.68 |
|
861 |
|
23 |
|
23 | ||||
Chonggu Co.,Ltd. |
5.08 |
|
904 |
|
|
|
| ||||
Kt Icom Co., Ltd. |
2.08 |
|
37,465 |
|
37,748 |
|
37,465 | ||||
Dongbu Electronics Co., Ltd. |
6.61 |
|
30,000 |
|
25,200 |
|
30,000 | ||||
Hyundai Petrochemical Co., Ltd. |
9.31 |
|
20,173 |
|
72,064 |
|
20,173 | ||||
The Korea Securities Finance Corp. |
2.40 |
|
8,160 |
|
10,371 |
|
8,160 |
Issuer |
Ownership (%) |
Acquisition Cost |
Fair Value or Net Asset Value1* |
Balance Sheet Amount | |||||||
Korea Asset Management Corporation |
5.38 |
|
7,827 |
|
5,589 |
|
7,827 | ||||
Samsung Life Insurance Co., Ltd. |
0.11 |
|
7,479 |
|
5,914 |
|
7,479 | ||||
Korea Highway Corp. |
0.12 |
|
6,248 |
|
15,528 |
|
6,248 | ||||
BC Card Co., Ltd. |
4.95 |
|
5,738 |
|
7,788 |
|
5,738 | ||||
Mirae Asset Securities Co., Ltd. |
4.43 |
|
5,000 |
|
8,212 |
|
5,000 | ||||
Hanwha Investment Trust Management Co., Ltd. |
11.00 |
|
3,487 |
|
4,184 |
|
3,487 | ||||
Korea Vilene Co.,Ltd. |
10.00 |
|
3,000 |
|
3,455 |
|
3,000 | ||||
Hyundai Home Shopping Network Corporation |
5.96 |
|
2,680 |
|
2,123 |
|
2,680 | ||||
National Information & Credit Evaluation INC. |
7.85 |
|
2,668 |
|
4,004 |
|
2,668 | ||||
Korea Aerospace Industires, Ltd. |
0.46 |
|
2,179 |
|
1,349 |
|
2,179 | ||||
Korea Digital Satelite Broadcasting Co., Ltd. |
0.65 |
|
2,174 |
|
2,029 |
|
2,174 | ||||
Kyobo Investment Trust Management Co., Ltd. |
7.00 |
|
2,100 |
|
3,390 |
|
2,100 | ||||
C&S Microwave Co., Ltd. |
6.88 |
|
2,000 |
|
785 |
|
2,000 | ||||
NICE e-Banking Services |
4.65 |
|
2,000 |
|
512 |
|
2,000 | ||||
Others |
|
32,682 |
|
27,947 |
|
32,682 | |||||
|
|
|
|
|
| ||||||
|
373,828 |
|
413,278 |
|
350,251 | ||||||
|
|
|
|
|
| ||||||
Foreign equity securities |
|||||||||||
Asia Credit Services (PTE) Ltd. |
6.67 |
|
12,255 |
|
9,809 |
|
9,809 | ||||
Asia Finance and Investment Corp. |
2.17 |
|
3,064 |
|
1,877 |
|
3,064 | ||||
Nanjing Kumho Tire Co., Ltd. |
6.00 |
|
2,607 |
|
1,897 |
|
2,607 | ||||
Investment Development Leasing Com |
10.00 |
|
1,573 |
|
2,139 |
|
2,139 | ||||
Pan Asia Paper (Thailand) Co., Ltd. |
2.94 |
|
3,308 |
|
1,843 |
|
1,843 | ||||
Tianjin Samsung Opto-Electronics. |
10.00 |
|
1,197 |
|
1,343 |
|
1,197 | ||||
Others |
|
10,668 |
|
12,532 |
|
9,604 | |||||
|
|
|
|
|
| ||||||
|
34,672 |
|
31,440 |
|
30,263 | ||||||
|
|
|
|
|
| ||||||
(Won) |
860,800 |
(Won) |
722,050 |
(Won) |
657,846 | ||||||
|
|
|
|
|
|
1* |
Net asset value is calculated using the monthly closing information of investees as of September 30, 2002 if possible, otherwise the most recent financial
information is used. |
2* |
Investments in mutual funds are calculated using net asset value per share provided by restructuring funds which consist of Seoul Debt-Restructuring Fund,
Arirang Restructuring Fund, and Mukungwha Restructuring Fund formed to support corporate restructuring. |
Beginning Balance |
Fair Value or Net Asset Value |
Unrealized Gains | |||||||
Investment in special funds |
|||||||||
Stock market stabilization fund |
(Won) |
18,156 |
(Won) |
19,852 |
(Won) |
1,696 | |||
Beneficiary certificates |
|||||||||
Special fund for corporate bonds |
|
722,685 |
|
755,557 |
|
32,872 | |||
|
|
|
|
|
| ||||
(Won) |
740,841 |
(Won) |
775,409 |
(Won) |
34,568 | ||||
|
|
|
|
|
|
Acquisition Cost |
Impairment Loss |
Book Value | |||||||
Equity Securities |
|||||||||
Marketable equity securities (KSE) |
|||||||||
Daewoo Securities Co., Ltd |
(Won) |
53,627 |
(Won) |
38,245 |
(Won) |
15,382 | |||
Ssangyong Motor Company |
|
27,656 |
|
18,235 |
|
9,421 | |||
Woo Bang Housing Co., Ltd. |
|
6,122 |
|
3,280 |
|
2,842 | |||
Shinwon Corp. |
|
12,159 |
|
2,969 |
|
9,190 | |||
Hanmi Capital Co., Ltd. |
|
2,335 |
|
849 |
|
1,486 | |||
Saehan Industries Inc. |
|
7,572 |
|
652 |
|
6,920 | |||
Gun Young Co., Ltd. |
|
762 |
|
441 |
|
321 | |||
Hyundae metal Co., Ltd |
|
574 |
|
420 |
|
154 | |||
Hyundae metal Co., Ltd (preferred stocck) |
|
266 |
|
207 |
|
59 | |||
Jindo Corporation |
|
207 |
|
186 |
|
21 | |||
Maxon Telecom Co., Ltd (Preferred Stocck) |
|
830 |
|
119 |
|
711 | |||
Hanchang |
|
56 |
|
32 |
|
24 | |||
Choongnam Spinning Co., Ltd. |
|
102 |
|
22 |
|
80 | |||
Monalisa Co., Ltd. |
|
3 |
|
2 |
|
1 | |||
|
|
|
|
|
| ||||
|
112,271 |
|
65,659 |
|
46,612 | ||||
|
|
|
|
|
| ||||
Marketable equity securities (KOSDAQ) |
|||||||||
C&H Capital Co., Ltd. |
|
8,136 |
|
5,271 |
|
2,865 | |||
Hansol Mutual Savings Bank |
|
1,685 |
|
1,551 |
|
134 | |||
Eyesvision Corporation |
|
1,491 |
|
1,416 |
|
75 | |||
Prochips Technology Inc. |
|
1,323 |
|
1,161 |
|
162 | |||
Shinwon Construction Co., Ltd. |
|
1,622 |
|
1,019 |
|
603 | |||
Miju Steel Co., Ltd. |
|
1,348 |
|
922 |
|
426 | |||
Growell Telecom Co., Ltd. |
|
1,000 |
|
917 |
|
83 | |||
NetSecure Technology, Inc. |
|
954 |
|
841 |
|
113 | |||
Han Kook Capital Co., Ltd. |
|
1,203 |
|
408 |
|
795 | |||
Ssangyong Engineering & Construction Co., Ltd |
|
548 |
|
392 |
|
156 | |||
Seohan Co., Ltd. |
|
1,201 |
|
199 |
|
1,002 | |||
|
|
|
|
|
| ||||
|
20,511 |
|
14,097 |
|
6,414 | ||||
|
|
|
|
|
| ||||
Non-marketable equity securities |
|||||||||
Daewoo Electronics Co., Ltd. |
|
23,800 |
|
21,443 |
|
2,357 | |||
Chonggu Co., Ltd. |
|
904 |
|
904 |
|
| |||
Kohap. Corp |
|
861 |
|
838 |
|
23 | |||
Daewoo Telecom, Ltd. |
|
417 |
|
392 |
|
25 | |||
|
|
|
|
|
| ||||
|
25,982 |
|
23,577 |
|
2,405 | ||||
|
|
|
|
|
| ||||
Foreign equity securities |
|||||||||
Asia Credit Services (PTE), Ltd. |
|
12,255 |
|
2,446 |
|
9,809 | |||
Pan Asia Paper (Thailand) Co.,Ltd. |
|
3,308 |
|
1,465 |
|
1,843 | |||
Sahavirya Steel Inc. |
|
919 |
|
294 |
|
625 | |||
|
|
|
|
|
| ||||
|
16,482 |
|
4,205 |
|
12,277 | ||||
|
|
|
|
|
| ||||
|
175,246 |
|
107,538 |
|
67,708 | ||||
|
|
|
|
|
|
Acquisition Cost |
Impairment Loss |
Book Value | |||||||
Debt Securities |
|||||||||
Corporate bonds |
|||||||||
Subordinated ABS bond |
|
59,500 |
|
13,100 |
|
46,400 | |||
Debt securities denominated in foreign currencies |
|||||||||
Daehan Investment Trust Co., Ltd.( TRS-SWAP) |
|
43,893 |
|
14,726 |
|
29,167 | |||
Essar Gujarat LTD |
|
1,838 |
|
1,348 |
|
490 | |||
SMM Finance Cayman Islands |
|
1,532 |
|
1,195 |
|
337 | |||
PT Argo Pantes |
|
1,532 |
|
797 |
|
735 | |||
Amsteel Corporation Bhd |
|
919 |
|
680 |
|
239 | |||
PT Bakrie Investindo |
|
735 |
|
676 |
|
59 | |||
Tuntex |
|
918 |
|
275 |
|
643 | |||
PT Fiskar Agung Jakarta |
|
184 |
|
184 |
|
| |||
PT Pelabuan |
|
11,778 |
|
4,425 |
|
7,353 | |||
PT Indorayon |
|
1,532 |
|
1,501 |
|
31 | |||
PT Pelabuan |
|
2,543 |
|
705 |
|
1,838 | |||
Kohap Global Inv. |
|
368 |
|
368 |
|
| |||
Dhamala |
|
306 |
|
275 |
|
31 | |||
|
|
|
|
|
| ||||
|
68,078 |
|
27,155 |
|
40,923 | ||||
|
|
|
|
|
| ||||
|
127,578 |
|
40,255 |
|
87,323 | ||||
|
|
|
|
|
| ||||
(Won) |
302,824 |
(Won) |
147,793 |
(Won) |
155,031 | ||||
|
|
|
|
|
|
Securities in Won1* |
Securities in foreign currencies | |||||||||
Amount |
Ratio (%) |
Amount |
Ratio (%) | |||||||
By Geography |
||||||||||
Korea |
(Won) |
23,407,599 |
100.00 |
(Won) |
944,484 |
77.46 | ||||
Philippines |
|
|
|
|
66,415 |
5.45 | ||||
USA |
|
|
|
|
67,927 |
5.57 | ||||
Germany |
|
|
|
|
34,315 |
2.81 | ||||
Mexico |
|
|
|
|
19,516 |
1.60 | ||||
Indonesia |
|
|
|
|
19,241 |
1.58 | ||||
Thailand |
|
|
|
|
14,094 |
1.16 | ||||
India |
|
|
|
|
13,462 |
1.10 | ||||
Hong Kong |
|
|
|
|
12,196 |
1.00 | ||||
Others |
|
|
|
|
27,680 |
2.27 | ||||
|
|
|
|
|
| |||||
(Won) |
23,407,599 |
100.00 |
(Won) |
1,219,330 |
100.00 | |||||
|
|
|
|
|
| |||||
By Type |
||||||||||
Fixed rate bonds |
(Won) |
15,679,322 |
66.98 |
(Won) |
272,034 |
22.31 | ||||
Floating rate bonds |
|
1,610,529 |
6.88 |
|
404,600 |
33.18 | ||||
Subordinated bonds |
|
472,922 |
2.02 |
|
161,296 |
13.23 | ||||
Convertible bonds |
|
31,758 |
0.14 |
|
208,680 |
17.11 | ||||
Equity securities |
|
2,061,489 |
8.81 |
|
155,901 |
12.79 | ||||
Others |
|
3,551,579 |
15.17 |
|
16,819 |
1.38 | ||||
|
|
|
|
|
| |||||
(Won) |
23,407,599 |
100.00 |
(Won) |
1,219,330 |
100.00 | |||||
|
|
|
|
|
| |||||
By Industry |
||||||||||
Governmental institutions |
(Won) |
4,223,753 |
18.04 |
(Won) |
|
| ||||
Government invested institutions |
|
8,117,754 |
34.68 |
|
197,596 |
16.21 | ||||
Financial institutions |
|
5,885,547 |
25.14 |
|
509,676 |
41.80 | ||||
Others |
|
5,180,545 |
22.14 |
|
512,058 |
41.99 | ||||
|
|
|
|
|
| |||||
(Won) |
23,407,599 |
100.00 |
(Won) |
1,219,330 |
100.00 | |||||
|
|
|
|
|
|
1* |
Securities lent are not included. |
Government and Municipal Bonds |
Finance Debentures |
Corporate Bonds |
Others |
Securities in foreign currencies |
Total | |||||||||||||
Due in 3 months or less |
(Won) |
345,499 |
(Won) |
60,673 |
(Won) |
467,234 |
(Won) |
2,657,158 |
(Won) |
146,913 |
(Won) |
3,677,477 | ||||||
Due after 3 months through 6 months |
|
57,275 |
|
582,843 |
|
760,362 |
|
535,378 |
|
63,501 |
|
1,999,359 | ||||||
Due after 6 months through 9months |
|
38,571 |
|
382,683 |
|
625,731 |
|
180,657 |
|
100,476 |
|
1,328,118 | ||||||
Due after 9 months through 1 year |
|
356,598 |
|
137,386 |
|
4,095,070 |
|
|
|
39,377 |
|
4,628,431 | ||||||
Due after 1 year through 2 years |
|
990,157 |
|
995,890 |
|
2,105,892 |
|
|
|
335,497 |
|
4,427,436 | ||||||
Due after 2 years through 3 years |
|
1,253,857 |
|
107,829 |
|
2,059,264 |
|
|
|
75,807 |
|
3,496,757 | ||||||
Due after 3 years through 4 years |
|
214,685 |
|
|
|
1,019,074 |
|
|
|
116,319 |
|
1,350,078 | ||||||
Due after 4 years through 5 years |
|
812,643 |
|
|
|
25,453 |
|
|
|
34,028 |
|
872,124 | ||||||
Thereafter |
|
154,468 |
|
|
|
281,419 |
|
|
|
151,511 |
|
587,398 | ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
(Won) |
4,223,753 |
(Won) |
2,267,304 |
(Won) |
11,439,499 |
(Won) |
3,373,193 |
(Won) |
1,063,429 |
(Won) |
22,367,178 | |||||||
|
|
|
|
|
|
|
|
|
|
|
|
Investment Securities | |||||
Amount |
Ratio (%) | ||||
USD |
(Won) |
1,121,481 |
91.98 | ||
GBP |
|
46,471 |
3.81 | ||
JPY |
|
40,357 |
3.31 | ||
DEM |
|
5,480 |
0.45 | ||
THB |
|
2,549 |
0.21 | ||
BDT |
|
2,139 |
0.18 | ||
PHP |
|
467 |
0.04 | ||
SFR |
|
348 |
0.02 | ||
IDR |
|
38 |
0.00 | ||
|
|
| |||
(Won) |
1,219,330 |
100.00 | |||
|
|
|
Company |
Securities |
Amount | |||
LG Engineering & Construction Co., Ltd. |
Corporate bonds |
(Won) |
188,501 | ||
Korea Development Corp. |
Treasury bonds |
|
10,153 | ||
Kyung Nam Enterprises Ltd. |
Treasury bonds |
|
73,683 | ||
|
| ||||
(Won) |
272,337 | ||||
|
|
Related Liability |
Securities Provided | |||||||
Transaction |
Amount |
Book Value |
Pledge Value | |||||
Sale of RP |
(Won)2,504,865 |
(Won) |
5,486,782 |
(Won) |
5,330,950 | |||
BOK borrowings |
1,664,708 |
|
2,175,778 |
|
2,131,250 | |||
BOK settlements |
Borrowing within credit line |
|
348,153 |
|
339,900 | |||
Sale of non-performing loans |
Borrowing within credit line |
|
170,641 |
|
166,671 | |||
Derivatives transactions |
Borrowing within credit line |
|
98,094 |
|
106,000 | |||
Securities transactions |
41,816 |
|
43,260 |
|
42,000 | |||
Foreign currency transactions |
Borrowing within credit line |
|
1,894 |
|
1,900 | |||
|
|
|
| |||||
(Won) |
8,324,602 |
(Won) |
8,118,671 | |||||
|
|
|
|
Account |
Detailed Account |
2002 |
2001 | |||||
Loans in Won |
||||||||
Corporate loans |
Operation loans |
|||||||
General operation loans |
(Won) |
27,640,862 |
(Won) |
19,080,910 | ||||
Notes discounted |
|
1,695,815 |
|
1,610,147 | ||||
Overdraft accounts |
|
709,871 |
|
235,160 | ||||
Trading notes |
|
844,982 |
|
594,055 | ||||
Other operation loans |
|
3,440,759 |
|
1,910,464 | ||||
|
|
|
| |||||
|
34,332,289 |
|
23,430,736 | |||||
|
|
|
| |||||
Facility loans |
||||||||
General facility loans |
|
3,857,127 |
|
3,296,505 | ||||
Special purpose loans |
|
7,786 |
|
397,316 | ||||
Other facility loans |
|
1,298,554 |
|
876,670 | ||||
|
|
|
| |||||
|
5,163,467 |
|
4,570,491 | |||||
|
|
|
| |||||
|
39,495,756 |
|
28,001,227 | |||||
|
|
|
| |||||
Consumer loans |
General consumer loans |
|
38,439,359 |
|
16,997,861 | |||
Consumer housing loans |
|
31,318,266 |
|
2,317,155 | ||||
Consumer benefit loans |
|
62,799 |
|
21,340 | ||||
Other consumer loans |
|
674,854 |
|
168,548 | ||||
|
|
|
| |||||
|
70,495,278 |
|
19,504,904 | |||||
|
|
|
| |||||
Public loans |
Public operation loans |
|
738,637 |
|
323,349 | |||
Public facility loans |
|
50,493 |
|
35,973 | ||||
|
|
|
| |||||
|
789,130 |
|
359,322 | |||||
|
|
|
| |||||
Other loans |
Property formation loans |
|
101,560 |
|
192,266 | |||
Inter-bank loans |
|
24,598 |
|
40,704 | ||||
Factoring loans |
|
35,204 |
|
| ||||
Others |
|
5,901 |
|
1,538 | ||||
|
|
|
| |||||
|
167,263 |
|
234,508 | |||||
|
|
|
| |||||
|
110,947,427 |
|
48,099,961 | |||||
|
|
|
| |||||
Loans in foreign currencies |
Domestic funding loans |
|
1,504,941 |
|
1,554,593 | |||
Overseas funding loans |
|
925,764 |
|
898,018 | ||||
Inter-bank loans |
|
1,082,357 |
|
1,148,715 | ||||
Domestic usance bills |
|
4,722 |
|
4,724 | ||||
Government funding loans |
|
3,425 |
|
8,506 | ||||
|
|
|
| |||||
|
3,521,209 |
|
3,614,556 | |||||
|
|
|
| |||||
Bills bought in Won |
|
30,080 |
|
161,166 | ||||
|
|
|
| |||||
Bills bought in foreign currencies |
|
803,457 |
|
1,036,400 | ||||
|
|
|
| |||||
Payments on guarantees |
|
73,337 |
|
238,704 | ||||
|
|
|
| |||||
Credit card accounts |
|
6,092,484 |
|
20,304 | ||||
|
|
|
| |||||
Bonds purchased under resale agreements (RP) |
|
|
|
10,000 | ||||
|
|
|
|
Account |
Detailed Account |
2002 |
2001 |
|||||||
Call loans |
Call loans in Won |
|
450,000 |
|
|
1,330,100 |
| |||
Call loans in foreign currencies |
|
340,483 |
|
|
246,172 |
| ||||
Inter-bank reconciliation funds |
|
52,286 |
|
|
14,308 |
| ||||
|
|
|
|
|
| |||||
|
842,769 |
|
|
1,590,580 |
| |||||
|
|
|
|
|
| |||||
Privately placed debentures |
|
1,397,757 |
|
|
1,889,448 |
| ||||
|
|
|
|
|
| |||||
Loans convertible to equity securities |
|
17,543 |
|
|
36,708 |
| ||||
|
|
|
|
|
| |||||
|
123,726,063 |
|
|
56,697,827 |
| |||||
|
|
|
|
|
| |||||
Allowances for loan losses(Note 7) |
|
(2,342,830 |
) |
|
(1,703,207 |
) | ||||
Present value discounts |
|
(32,287 |
) |
|
(109,340 |
) | ||||
|
|
|
|
|
| |||||
(Won) |
121,350,946 |
|
(Won) |
54,885,280 |
| |||||
|
|
|
|
|
|
Settlements by issuance or grants of |
|||||||||||||||||||||
Balances before Restructuring |
Exemption |
Convertible Loans1* |
Equity Securities |
Convertible Bonds |
Balances after Restructuring |
Present Value Discounts | |||||||||||||||
Workout |
(Won) |
351,065 |
(Won) |
1,099 |
(Won) |
17,543 |
(Won) |
90,106 |
(Won) |
24 |
(Won) |
242,293 |
(Won) |
7,081 | |||||||
Court receivership |
|
138,919 |
|
|
|
|
|
96,443 |
|
|
|
42,476 |
|
10,585 | |||||||
Court mediation |
|
204,819 |
|
|
|
|
|
2,398 |
|
|
|
202,421 |
|
14,621 | |||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||||
(Won) |
694,803 |
(Won) |
1,099 |
(Won) |
17,543 |
(Won) |
188,947 |
(Won) |
24 |
(Won) |
487,190 |
(Won) |
32,287 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1* |
The loans, or portions thereof, that are agreed to debt restructuring by issuance or grants of equity are separately classified as loans convertible into equity
securities as of the agreement date. The loans convertible into equity securities are stated at the lower of nominal amount or the fair value of the to-be-converted equity interest. The difference between the nominal amount and the fair value of
equity interest is adjusted in related allowance for loan losses. |
Loans in Won |
Loans in foreign currencies |
Bills bought1* |
Credit card |
Call loans |
Privately Placed Debentures |
Others |
Total | |||||||||||||||||
Due in 3 months or less |
(Won) |
14,078,419 |
(Won) |
1,265,762 |
(Won) |
722,777 |
(Won) |
4,075,164 |
(Won) |
842,769 |
(Won) |
215,083 |
(Won) |
19,929 |
(Won) |
21,219,903 | ||||||||
Due after 3 months through 6 months |
|
13,458,379 |
|
655,780 |
|
60,959 |
|
1,011,598 |
|
|
|
97,605 |
|
32,281 |
|
15,316,602 | ||||||||
Due after 6 months through 1 year |
|
23,780,652 |
|
359,688 |
|
33,964 |
|
952,702 |
|
|
|
304,325 |
|
8,057 |
|
25,439,388 | ||||||||
Due after 1 year through 2 years |
|
12,556,085 |
|
380,958 |
|
6,335 |
|
23,561 |
|
|
|
288,548 |
|
8,038 |
|
13,263,525 | ||||||||
Due after 2 years through 3 years |
|
28,033,835 |
|
199,133 |
|
6,335 |
|
15,377 |
|
|
|
242,269 |
|
|
|
28,496,949 | ||||||||
Due after 3 years through 4 years |
|
3,708,421 |
|
90,995 |
|
3,167 |
|
9,331 |
|
|
|
234,258 |
|
|
|
4,046,172 | ||||||||
Due after 4 years through 5 years |
|
2,953,850 |
|
106,479 |
|
|
|
4,751 |
|
|
|
15,004 |
|
|
|
3,080,084 | ||||||||
Thereafter |
|
12,377,786 |
|
462,414 |
|
|
|
|
|
|
|
665 |
|
22,575 |
|
12,863,440 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
(Won) |
110,947,427 |
(Won) |
3,521,209 |
(Won) |
833,537 |
(Won) |
6,092,484 |
(Won) |
842,769 |
(Won) |
1,397,757 |
(Won) |
90,880 |
(Won) |
123,726,063 | |||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1* |
Bills bought in Won and Bills bought in foreign currencies |
Loans in Won |
Loans in foreign
currencies |
Others |
Total |
Percentage (%) | ||||||||||
by country |
||||||||||||||
Korea |
(Won) |
110,947,427 |
(Won) |
2,950,701 |
(Won) |
9,195,805 |
(Won) |
123,093,933 |
99.49 | |||||
Southeast Asia |
|
|
|
69,782 |
|
37,196 |
|
106,978 |
0.09 | |||||
Russia |
|
|
|
121,325 |
|
|
|
121,325 |
0.10 | |||||
China |
|
|
|
6,752 |
|
|
|
6,752 |
0.01 | |||||
Japan |
|
|
|
242,988 |
|
24,220 |
|
267,208 |
0.21 | |||||
Others |
|
|
|
129,661 |
|
206 |
|
129,867 |
0.10 | |||||
|
|
|
|
|
|
|
|
| ||||||
(Won) |
110,947,427 |
(Won) |
3,521,209 |
(Won) |
9,257,427 |
(Won) |
123,726,063 |
100.00 | ||||||
|
|
|
|
|
|
|
|
| ||||||
by industry |
||||||||||||||
Financial institutions |
(Won) |
574,494 |
(Won) |
1,676,538 |
(Won) |
892,534 |
(Won) |
3,143,566 |
2.54 | |||||
Manufacturing companies |
|
15,240,080 |
|
841,550 |
|
1,309,224 |
|
17,390,854 |
14.06 | |||||
Service companies |
|
3,225,836 |
|
750,076 |
|
57,829 |
|
4,033,741 |
3.26 | |||||
Others |
|
21,304,277 |
|
188,224 |
|
944,778 |
|
22,437,279 |
18.13 | |||||
|
|
|
|
|
|
|
|
| ||||||
|
40,344,687 |
|
3,456,388 |
|
3,204,365 |
|
47,005,440 |
37.99 | ||||||
|
|
|
|
|
|
|
|
| ||||||
Households |
|
70,602,740 |
|
64,821 |
|
6,053,062 |
|
76,720,623 |
62.01 | |||||
|
|
|
|
|
|
|
|
| ||||||
(Won) |
110,947,427 |
(Won) |
3,521,209 |
(Won) |
9,257,427 |
(Won) |
123,726,063 |
100.00 | ||||||
|
|
|
|
|
|
|
|
| ||||||
by customer |
||||||||||||||
Industrial loans |
(Won) |
40,240,618 |
(Won) |
3,446,196 |
(Won) |
3,204,365 |
(Won) |
46,891,179 |
37.90 | |||||
Household loans |
|
70,602,740 |
|
64,821 |
|
6,053,062 |
|
76,720,623 |
62.01 | |||||
Public and other loans |
|
104,069 |
|
10,192 |
|
|
|
114,261 |
0.09 | |||||
|
|
|
|
|
|
|
|
| ||||||
(Won) |
110,947,427 |
(Won) |
3,521,209 |
(Won) |
9,257,427 |
(Won) |
123,726,063 |
100.00 | ||||||
|
|
|
|
|
|
|
|
|
Allowance for |
2002 |
2001 | ||||
Loans in Won |
(Won) |
1,820,283 |
(Won) |
993,072 | ||
Loans in foreign currencies |
|
98,531 |
|
265,026 | ||
Bills bought in Won and bills bought in foreign currencies |
|
24,868 |
|
113,545 | ||
Payments on guarantees |
|
41,991 |
|
151,738 | ||
Credit card accounts |
|
286,561 |
|
101 | ||
Privately placed debentures |
|
38,679 |
|
148,960 | ||
Loans convertible into equity securities |
|
9,268 |
|
27,082 | ||
Suspense receivables |
|
13,734 |
|
1,526 | ||
Others1* |
|
8,915 |
|
2,157 | ||
|
|
|
| |||
(Won) |
2,342,830 |
(Won) |
1,703,207 | |||
|
|
|
|
1* |
The Bank provides allowances amounting to 7,133 million Won for the estimated losses from the repurchase of loans sold to KAMCO that are under the repurchase
agreement (See Note 17). |
Normal |
Precautionary |
Substandard |
Doubtful |
Estimated Loss |
Total | |||||||||||||||
Loans in Won |
Loan balance |
(Won) |
103,473,794 |
(Won) |
4,588,006 |
(Won) |
2,155,073 |
(Won) |
501,339 |
(Won) |
202,153 |
(Won) |
110,920,365 | |||||||
Allowances |
|
687,793 |
|
162,533 |
|
458,912 |
|
308,892 |
|
202,153 |
|
1,820,283 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.66 |
|
3.54 |
|
21.29 |
|
61.61 |
|
100.00 |
|
1.64 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Loans in foreign currencies |
Loan balance |
|
3,192,438 |
|
118,523 |
|
169,464 |
|
27,443 |
|
8,985 |
|
3,516,853 | |||||||
Allowances |
|
10,550 |
|
8,575 |
|
54,959 |
|
15,462 |
|
8,985 |
|
98,531 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.33 |
|
7.23 |
|
32.43 |
|
56.34 |
|
100.00 |
|
2.80 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Bills bought1* |
Loan balance |
|
669,132 |
|
139,916 |
|
3,833 |
|
8,996 |
|
11,660 |
|
833,537 | |||||||
Allowances |
|
3,346 |
|
2,798 |
|
767 |
|
6,297 |
|
11,660 |
|
24,868 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.50 |
|
2.00 |
|
20.01 |
|
70.00 |
|
100.00 |
|
2.98 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Payments on guarantees |
Loan balance |
|
3,950 |
|
3,791 |
|
25,690 |
|
28,960 |
|
10,088 |
|
72,479 | |||||||
Allowances |
|
20 |
|
481 |
|
5,138 |
|
26,264 |
|
10,088 |
|
41,991 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.51 |
|
12.69 |
|
20.00 |
|
90.69 |
|
100.00 |
|
57.94 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Credit card accounts |
Loan balance |
|
5,497,172 |
|
282,912 |
|
41 |
|
251,456 |
|
60,903 |
|
6,092,484 | |||||||
Allowances |
|
54,972 |
|
19,804 |
|
8 |
|
150,874 |
|
60,903 |
|
286,561 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
1.00 |
|
7.00 |
|
19.51 |
|
60.00 |
|
100.00 |
|
4.70 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Call loans |
Loan balance |
|
842,769 |
|
|
|
|
|
|
|
|
|
842,769 | |||||||
Allowances |
|
|
|
|
|
|
|
|
|
|
|
| ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.00 |
|
0.00 |
|
0.00 |
|
0.00 |
|
0.00 |
|
0.00 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Privately placed debentures |
Loan balance |
|
1,293,108 |
|
17,274 |
|
71,771 |
|
14,232 |
|
1,361 |
|
1,397,746 | |||||||
Allowances |
|
6,466 |
|
1,026 |
|
17,754 |
|
12,072 |
|
1,361 |
|
38,679 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.50 |
|
5.94 |
|
24.74 |
|
84.82 |
|
100.00 |
|
2.77 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Convertible loans2* |
Loan balance |
|
|
|
15,650 |
|
1,637 |
|
256 |
|
|
|
17,543 | |||||||
Allowances |
|
|
|
8,123 |
|
941 |
|
204 |
|
|
|
9,268 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.00 |
|
51.90 |
|
57.48 |
|
79.69 |
|
0.00 |
|
52.83 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Total loans |
Loan balance3* |
(Won) |
114,972,363 |
(Won) |
5,166,072 |
(Won) |
2,427,509 |
(Won) |
832,682 |
(Won) |
295,150 |
(Won) |
123,693,776 | |||||||
Allowances4* |
|
763,147 |
|
203,340 |
|
538,479 |
|
520,065 |
|
295,150 |
|
2,320,181 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Percentage(%) |
|
0.66 |
|
3.94 |
|
22.18 |
|
62.46 |
|
100.00 |
|
1.88 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
1* |
Bills bought in Won and Bills bought in foreign currencies |
2* |
Loans convertible into equity securities |
3* |
The above amounts of loan balances are net of present value discounts. |
4* |
The above amounts of allowances for loan losses do not include the allowances for suspense receivables and other allowances. |
2002 |
2001 | |||||
Beginning Balance |
(Won) |
2,271,179 |
(Won) |
1,826,700 | ||
Increase due to: |
||||||
Provision for loan losses |
|
946,200 |
|
509,324 | ||
Collection of written-off loans |
|
191,862 |
|
47,087 | ||
Troubled debt restructuring |
|
51,631 |
|
31,442 | ||
Repurchase of loans sold |
|
6,560 |
|
3,307 | ||
Others |
|
28,604 |
|
17,085 | ||
|
|
|
| |||
|
1,224,857 |
|
608,245 | |||
|
|
|
| |||
Decrease due to: |
||||||
Written-off loans |
|
891,010 |
|
498,626 | ||
Sale of loans |
|
65,370 |
|
42,576 | ||
Conversion of loans into equity securities |
|
119,986 |
|
137,264 | ||
Exemption of loans |
|
7,094 |
|
35,733 | ||
Set-off with present value discounts from troubled debt restructuring |
|
46,651 |
|
17,539 | ||
Change in exchange rates and others |
|
23,095 |
|
| ||
|
|
|
| |||
|
1,153,206 |
|
731,738 | |||
|
|
|
| |||
Ending Balance |
(Won) |
2,342,830 |
(Won) |
1,703,207 | ||
|
|
|
|
2002 |
2001 | |||||
Loans1* |
(Won) |
123,693,776 |
(Won) |
56,588,487 | ||
Allowances for loan losses2* |
|
2,320,181 |
|
1,699,524 | ||
|
|
|
| |||
Ratio (%) |
|
1.88 |
|
3.00 | ||
|
|
|
|
1* |
The above amounts of loans are net of present value discounts and suspense receivables. |
2* |
The above amounts of allowances for loan losses do not include the allowances for suspense receivables and other allowances. |
2002 |
2001 | |||||||||||||||||
Acquisition Cost |
Accumulated Depreciation |
Net Carrying Value |
Acquisition Cost |
Accumulated Depreciation |
Net Carrying Value | |||||||||||||
Tangible assets |
||||||||||||||||||
Land |
(Won) |
1,176,052 |
(Won) |
|
(Won) |
1,176,052 |
(Won) |
734,210 |
(Won) |
|
(Won) |
734,210 | ||||||
Buildings and structures |
|
824,289 |
|
103,556 |
|
720,733 |
|
512,850 |
|
86,232 |
|
426,618 | ||||||
Leasehold improvements |
|
73,934 |
|
41,736 |
|
32,198 |
|
30,966 |
|
26,351 |
|
4,615 | ||||||
Equipment and vehicles |
|
988,627 |
|
524,055 |
|
464,572 |
|
508,223 |
|
406,310 |
|
101,913 | ||||||
Constructions in progress |
|
7,513 |
|
|
|
7,513 |
|
5,440 |
|
|
|
5,440 | ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
(Won) |
3,070,415 |
(Won) |
669,347 |
(Won) |
2,401,068 |
(Won) |
1,791,689 |
(Won) |
518,893 |
(Won) |
1,272,796 | |||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
Intangible assets |
|
633,791 |
|
5,855 | ||||||||||||||
Foreclosed assets (net of valuation allowance) |
|
1,488 |
|
2,062 | ||||||||||||||
|
|
|
| |||||||||||||||
(Won) |
3,036,347 |
(Won) |
1,280,713 | |||||||||||||||
|
|
|
|
Acquisition Cost |
Increase |
Accumulated Depreciation |
Net Carrying Value | |||||||||
Goodwill due to the combination with H&CB |
(Won) |
692,050 |
(Won) |
|
(Won) |
58,759 |
(Won) |
633,291 | ||||
Premiums for rented store |
|
196 |
|
101 |
|
34 |
|
263 | ||||
Rights to income on donated asset |
|
117 |
|
|
|
6 |
|
111 | ||||
Trademarks |
|
23 |
|
|
|
10 |
|
13 | ||||
Others |
|
4 |
|
117 |
|
8 |
|
113 | ||||
|
|
|
|
|
|
|
| |||||
(Won) |
692,390 |
(Won) |
218 |
(Won) |
58,817 |
(Won) |
633,791 | |||||
|
|
|
|
|
|
|
|
2002 |
2001 | |||||||||||
Book Value |
Appraisal Value |
Book Value |
Appraisal Value | |||||||||
Lands included in tangible assets |
(Won) |
1,176,052 |
(Won) |
982,636 |
(Won) |
734,210 |
(Won) |
604,127 | ||||
Lands included in foreclosed assets |
|
2,885 |
|
952 |
|
3,928 |
|
1,444 | ||||
|
|
|
|
|
|
|
| |||||
(Won) |
1,178,937 |
(Won) |
983,588 |
(Won) |
738,138 |
(Won) |
605,571 | |||||
|
|
|
|
|
|
|
|
2002 |
2001 | |||||
Guarantee deposits paid |
(Won) |
1,209,864 |
(Won) |
619,832 | ||
Accounts receivable |
|
2,564,567 |
|
1,835,236 | ||
Accrued income |
|
1,050,577 |
|
1,017,319 | ||
Payments in advance |
|
51,732 |
|
31,428 | ||
Prepaid expenses |
|
18,890 |
|
43,906 | ||
Deferred income tax debits |
|
29,274 |
|
| ||
Derivative assets (Note16 ) |
|
597,147 |
|
278,910 | ||
Unsettled exchange assets |
|
555,708 |
|
282,566 | ||
Loans to trust accounts |
|
72,023 |
|
231,145 | ||
Others |
|
17,144 |
|
13,375 | ||
|
|
|
| |||
(Won) |
6,166,926 |
(Won) |
4,353,717 | |||
|
|
|
|
Annual Interest (%) |
2002 |
2001 | ||||||
Deposits in Won |
||||||||
Demand deposits |
||||||||
Current deposits |
|
(Won) |
54,036 |
(Won) |
160,432 | |||
Household deposits |
0.50 |
|
460,005 |
|
373,058 | |||
Passbook deposits |
0.50 |
|
7,874,163 |
|
2,450,355 | |||
Temporary deposits |
|
|
3,991,798 |
|
2,045,080 | |||
Public fund deposits |
0.50 |
|
129,440 |
|
65,791 | |||
Others |
|
|
10,916 |
|
5 | |||
|
|
|
|
| ||||
|
12,520,358 |
|
5,094,721 | |||||
|
|
|
|
| ||||
Time deposits and savings deposits |
||||||||
Time deposits |
3.50-5.35 |
|
58,684,886 |
|
27,145,399 | |||
Installment savings deposits |
4.20-5.15 |
|
1,480,217 |
|
621,731 | |||
Savings deposits for money sum |
8.50-10.5 |
|
2,324 |
|
203 | |||
Time and savings deposits of non-resident citizens in won |
|
|
87,292 |
|
| |||
General savings deposits |
0.50-3.80 |
|
21,884,786 |
|
12,143,150 | |||
Unrestricted corporate savings deposits |
0.50-3.80 |
|
6,782,773 |
|
4,695,726 | |||
Long term savings for employees |
8.20-13.5 |
|
362,184 |
|
457,163 | |||
Long term housing savings |
5.65 |
|
470,634 |
|
52,501 | |||
Long term savings for households |
5.15-12.0 |
|
2,339,154 |
|
1,934,446 | |||
Employee preferential savings deposits |
5.35 |
|
2,985,423 |
|
1,042,087 | |||
Housing savings deposits for employees |
5.65 |
|
85 |
|
36 | |||
Mutual installment deposits |
3.50-5.25 |
|
7,604,811 |
|
6,157,727 | |||
Housing installment deposits |
4.85-5.25 |
|
4,660,379 |
|
367,236 | |||
|
|
|
| |||||
|
107,344,948 |
|
54,617,405 | |||||
|
|
|
| |||||
|
119,865,306 |
|
59,712,126 | |||||
|
|
|
|
Annual Interest (%) |
2002 |
2001 | ||||||
Deposits in foreign currencies |
||||||||
Demand deposits |
||||||||
Current deposits |
0.00-3.00 |
|
28,781 |
|
21,452 | |||
Passbook deposits |
0.10-0.57 |
|
435,696 |
|
278,694 | |||
Notice deposits |
0.20-3.50 |
|
25,216 |
|
19,660 | |||
Temporary deposits |
|
|
5,214 |
|
2,959 | |||
|
|
|
| |||||
|
494,907 |
|
322,765 | |||||
|
|
|
| |||||
Time deposits and savings deposits |
||||||||
Time deposits |
0.50-5.40 |
|
489,006 |
|
496,262 | |||
Others |
|
|
2,502 |
|
3,284 | |||
|
|
|
| |||||
|
491,508 |
|
499,546 | |||||
|
|
|
| |||||
|
986,415 |
|
822,311 | |||||
|
|
|
| |||||
Certificates of deposit |
4.00-4.80 |
|
2,327,069 |
|
1,820,741 | |||
|
|
|
| |||||
(Won) |
123,178,790 |
(Won) |
62,355,178 | |||||
|
|
|
|
Deposits in Won |
Deposits in foreign currencies |
Certificates of Deposit |
Total | |||||||||
Due in 3 months or less |
(Won) |
63,695,060 |
(Won) |
856,360 |
(Won) |
979,871 |
(Won) |
65,531,291 | ||||
Due after 3 months through 6 months |
|
14,668,658 |
|
85,717 |
|
1,287,626 |
|
16,042,001 | ||||
Due after 6 months through 1 year |
|
27,093,123 |
|
29,384 |
|
59,572 |
|
27,182,079 | ||||
Due after 1 year through 2 years |
|
8,795,276 |
|
12,716 |
|
|
|
8,807,992 | ||||
Due after 2 years through 3 years |
|
4,069,012 |
|
2,138 |
|
|
|
4,071,150 | ||||
Due after 3 years through 4 years |
|
946,427 |
|
24 |
|
|
|
946,451 | ||||
Due after 4 years through 5 years |
|
263,685 |
|
76 |
|
|
|
263,761 | ||||
Thereafter |
|
334,065 |
|
|
|
|
|
334,065 | ||||
|
|
|
|
|
|
|
| |||||
(Won) |
119,865,306 |
(Won) |
986,415 |
(Won) |
2,327,069 |
(Won) |
123,178,790 | |||||
|
|
|
|
|
|
|
|
Annual Interest (%) |
2002 |
2001 | ||||||
Borrowings in Won |
||||||||
Borrowings from the Bank of Korea |
||||||||
Security collateralized borrowings |
2.50 |
(Won) |
1,664,708 |
(Won) |
1,046,344 | |||
Others |
5.00 |
|
|
|
1,677 | |||
|
|
|
| |||||
|
1,664,708 |
|
1,048,021 | |||||
|
|
|
| |||||
Borrowings from the government |
||||||||
Borrowings from public finance |
5.00-5.57 |
|
369,552 |
|
85,835 | |||
Others |
0.00-8.30 |
|
695,708 |
|
534,087 | |||
|
|
|
| |||||
|
1,065,260 |
|
619,922 | |||||
|
|
|
| |||||
Borrowings from banking institutions |
||||||||
Debenture funds for the development of small to medium industries |
4.60-9.55 |
|
374,236 |
|
118,851 | |||
Other borrowings from domestic banks |
|
|
|
|
208,997 | |||
|
|
|
| |||||
|
374,236 |
|
327,848 | |||||
|
|
|
| |||||
Borrowings from National Housing Fund |
8.00 |
|
9,321 |
|
| |||
|
|
|
| |||||
Borrowings from non-banking financial institutions |
||||||||
Borrowings from Korea Development Bank |
2.00-5.00 |
|
6,520 |
|
405 | |||
Subordinated borrowings |
5.59-6.52 |
|
580,000 |
|
430,000 | |||
Other finance borrowings |
|
|
|
|
117,480 | |||
|
|
|
| |||||
|
586,520 |
|
547,885 | |||||
|
|
|
| |||||
Other borrowings |
||||||||
Borrowings from local governments |
2.20-8.00 |
|
394,850 |
|
442,209 | |||
Borrowings from Small and Medium Industry Promotion |
4.90-5.75 |
|
702,327 |
|
665,040 | |||
Others |
3.00-7.00 |
|
82,499 |
|
133,109 | |||
|
|
|
| |||||
|
1,179,676 |
|
1,240,358 | |||||
|
|
|
| |||||
|
4,879,721 |
|
3,784,034 | |||||
|
|
|
| |||||
Borrowings denominated in foreign currencies |
||||||||
Borrowings from domestic banks |
3.11 |
|
549,473 |
|
660,614 | |||
Borrowings from foreign banks |
2.86 |
|
1,675,799 |
|
837,277 | |||
Borrowings from other financial institutions |
2.21 |
|
23,575 |
|
190,422 | |||
|
|
|
| |||||
|
2,248,847 |
|
1,688,313 | |||||
|
|
|
| |||||
Bonds sold under repurchase agreements |
2.03-4.85 |
|
2,504,865 |
|
3,640,439 | |||
|
|
|
| |||||
Bills sold |
4.00-4.80 |
|
81,584 |
|
501,070 | |||
|
|
|
| |||||
Due to the Bank of Korea denominated in foreign currencies |
|
|
49,061 |
|
136,872 | |||
|
|
|
| |||||
Call money |
||||||||
Won |
3.75-4.15 |
|
280,800 |
|
| |||
Foreign currencies |
0.25-5.90 |
|
209,502 |
|
229,539 | |||
|
|
|
| |||||
|
490,302 |
|
229,539 | |||||
|
|
|
| |||||
(Won) |
10,254,380 |
(Won) |
9,980,267 | |||||
|
|
|
|
Borrowings in
Won |
Borrowings in foreign currencies |
Others |
Total | |||||||||
Due in 3 months or less |
(Won) |
2,362,756 |
(Won) |
997,707 |
(Won) |
2,829,292 |
(Won) |
6,189,755 | ||||
Due after 3 months through 6 months |
|
217,139 |
|
150,422 |
|
141,058 |
|
508,619 | ||||
Due after 6 months through 1 year |
|
111,992 |
|
444,809 |
|
155,462 |
|
712,263 | ||||
Due after 1 year through 2 years |
|
601,003 |
|
274,696 |
|
|
|
875,699 | ||||
Due after 2 years through 3 years |
|
446,397 |
|
105,409 |
|
|
|
551,806 | ||||
Due after 3 years through 4 years |
|
352,886 |
|
100,399 |
|
|
|
453,285 | ||||
Due after 4 years through 5 years |
|
241,740 |
|
100,105 |
|
|
|
341,845 | ||||
Thereafter |
|
545,808 |
|
75,300 |
|
|
|
621,108 | ||||
|
|
|
|
|
|
|
| |||||
(Won) |
4,879,721 |
(Won) |
2,248,847 |
(Won) |
3,125,812 |
(Won) |
10,254,380 | |||||
|
|
|
|
|
|
|
|
Annual Interest (%) |
2002 |
2001 |
||||||||
Debentures in Won |
||||||||||
Subordinated debentures |
6.69-15.66 |
(Won) |
4,054,140 |
|
(Won) |
1,876,231 |
| |||
Discounted debentures |
4.12-13.79 |
|
790,183 |
|
|
1,241,139 |
| |||
Coupon debentures |
4.75-16.75 |
|
1,523,205 |
|
|
167,362 |
| |||
Compound interest debentures |
4.76-17.69 |
|
6,414,846 |
|
|
988,143 |
| |||
|
|
|
|
|
| |||||
|
12,782,374 |
|
|
4,272,875 |
| |||||
Discounts on debentures |
|
(208,830 |
) |
|
(10,751 |
) | ||||
|
|
|
|
|
| |||||
|
12,573,544 |
|
|
4,262,124 |
| |||||
|
|
|
|
|
| |||||
Debentures denominated in foreign currencies |
||||||||||
Subordinated debentures |
3.00-3.56 |
|
479,945 |
|
|
576,004 |
| |||
Coupon debentures |
1.97-5.00 |
|
465,692 |
|
|
779,792 |
| |||
|
|
|
|
|
| |||||
|
945,637 |
|
|
1,355,796 |
| |||||
Discounts on debentures |
|
(4,255 |
) |
|
(5,858 |
) | ||||
|
|
|
|
|
| |||||
|
941,382 |
|
|
1,349,938 |
| |||||
|
|
|
|
|
| |||||
(Won) |
13,514,926 |
|
(Won) |
5,612,062 |
| |||||
|
|
|
|
|
|
Issue Date |
Hundred millions of Won |
Annual Interest (%) |
Maturity | ||||||
Subordinated |
|||||||||
Floating rate |
1998-12-29 |
(Won) |
2,212 |
5.98 |
2004-03-31 | ||||
1998-12-29 |
|
883 |
6.98 |
2004-03-31 | |||||
Fixed rate |
1997-12-26 |
|
400 |
15.30 |
2002-12-26 | ||||
1997-12-29 |
|
1,000 |
16 |
2004-01-05 | |||||
1998-06-18 |
|
600 |
15.66 |
2003-07-18 | |||||
1998-06-23 |
|
1,749 |
15.02 |
2003-11-15 | |||||
Sold over the counter |
1997-01-08 |
|
1,051 |
11.04-15.66 |
2003-01-08 | ||||
2000-03-27 |
|
2,000 |
9.65 |
2005-03-27 | |||||
2000-06-28 |
|
2,540 |
9.04-9.10 |
2006-01-28 | |||||
2000-09-27 |
|
3,000 |
8.99 |
2006-01-27 | |||||
2000-09-28 |
|
1,500 |
8.79-8.85 |
2006-01-28 | |||||
2000-11-28 |
|
1,000 |
8.65-8.71 |
2006-02-28 | |||||
2000-11-28 |
|
1,620 |
9.57-9.65 |
2010-11-28 | |||||
2000-12-27 |
|
2,000 |
8.71 |
2006-01-27 | |||||
2001-05-28 |
|
2,000 |
7.60-7.65 |
2007-02-28 | |||||
2001-06-27 |
|
1,600 |
7.68 |
2008-03-27 | |||||
2001-06-27 |
|
2,175 |
7.86 |
2009-03-27 | |||||
2001-08-28 |
|
1,000 |
6.69-6.73 |
2007-08-28 | |||||
2001-09-28 |
|
1,500 |
6.69-6.73 |
2008-03-28 | |||||
2002-03-27 |
|
2,417 |
7.06-7.10 |
2008-01-27 | |||||
2002-07-27 |
|
3,024 |
6.96-7.00 |
2008-01-27 | |||||
2002-09-27 |
|
2,574 |
6.27-6.30 |
2008-03-27 | |||||
2002-09-27 |
|
1,500 |
6.51-6.55 |
2010-03-27 | |||||
2002-09-27 |
|
926 |
6.66-6.70 |
2013-03-27 | |||||
Housing debentures |
1998-12-31 |
|
270 |
5.98 |
2004-03-31 | ||||
Non-subordinated |
|||||||||
Fixed rate |
2000-11-28 |
|
2,000 |
7.01 |
2003-11-28 | ||||
2000-12-28 |
|
1,600 |
7.01 |
2003-12-28 | |||||
2001-02-28 |
|
800 |
5.48 |
2004-02-28 | |||||
2001-06-28 |
|
2,300 |
5.87 |
2004-06-28 | |||||
2001-07-28 |
|
600 |
5.82-5.87 |
2004-07-28 | |||||
2001-08-28 |
|
600 |
5.82 |
2004-08-28 | |||||
2001-10-28 |
|
500 |
4.21 |
2002-10-28 | |||||
1988.07-2002.06 |
|
78,870 |
4.12-17.69 |
1991.04-2007.09 | |||||
Sold over the counter |
1989.08-2000.09 |
|
13 |
6.28-16.28 |
1990.11-2005.03 | ||||
|
|
||||||||
(Won) |
127,824 |
||||||||
|
|
Issue Date |
Thousands of Dollars |
Annual Interest (%) |
Maturity |
Listings | ||||||||
Subordinated |
||||||||||||
Floating rate |
1996-12-30 |
USD |
190,000 |
3.76 |
2006-12-30 |
Luxembourg | ||||||
Convertible bond (CB) |
1999-06-14 |
USD |
200,000 |
3.00 |
2005-06-14 |
Not listed | ||||||
Non-subordinated |
||||||||||||
Floating rate |
2002-04-03 |
USD |
46,000 |
2.04 |
2003-04-02 |
Not listed | ||||||
2002-04-03 |
USD |
81,000 |
2.15 |
2004-04-02 |
Not listed | |||||||
1997-10-30 |
USD |
33,340 |
3.32 |
2002-10-30 |
Not listed | |||||||
2000-04-10 |
USD |
40,000 |
3.39 |
2003-04-10 |
Not listed | |||||||
2000-06-02 |
USD |
10,000 |
3.38 |
2003-06-02 |
Not listed | |||||||
2000-08-10 |
USD |
12,500 |
2.65 |
2003-08-11 |
Not listed | |||||||
2002-07-03 |
HKD |
800,000 |
1.96 |
2003-07-02 |
Not listed | |||||||
Fixed rate |
2000-04-20 |
SGD |
100,000 |
5.00 |
2003-04-20 |
Not listed | ||||||
|
|
|||||||||||
USD Equivalent (in thousands of USD) |
USD |
771,634 |
||||||||||
|
|
|||||||||||
KRW Equivalent (in millions of Won) |
(Won) |
945,637 |
||||||||||
|
|
Fixed Rate Subordinated CB | ||
Face value |
USD 200 million | |
Issue price |
USD 200 million | |
Book value |
(Won)245,100,000,000 | |
Conversion price |
(Won)22,124 per share | |
Conversion stock |
Common stock | |
Convertible period |
1999-07-142005-06-14 | |
Conversion exchange rate |
US$ 1: (Won)1,170.50 | |
Method of redemption |
Fully redeemed at maturity |
Won |
Foreign currencies |
Total | |||||||
Due in 3 months or less |
(Won) |
880,586 |
(Won) |
40,858 |
(Won) |
921,444 | |||
Due after 3 months through 6 months |
|
1,947,157 |
|
|
|
1,947,157 | |||
Due after 6 months through 1 year |
|
4,451,977 |
|
327,569 |
|
4,779,546 | |||
Due after 1 year through 2 years |
|
1,584,710 |
|
99,265 |
|
1,683,975 | |||
Due after 2 years through 3 years |
|
615,289 |
|
245,100 |
|
860,389 | |||
Due after 3 years through 4 years |
|
1,122,283 |
|
|
|
1,122,283 | |||
Due after 4 years through 5 years |
|
1,983,421 |
|
232,845 |
|
2,216,266 | |||
Thereafter |
|
196,951 |
|
|
|
196,951 | |||
|
|
|
|
|
| ||||
(Won) |
12,782,374 |
(Won) |
945,637 |
(Won) |
13,728,011 | ||||
|
|
|
|
|
|
2002 |
2001 | |||||
Accrued retirement benefits (Note 14) |
(Won) |
71,591 |
(Won) |
260,635 | ||
Allowance for loss on acceptances and guarantees (Note 15) |
|
22,124 |
|
24,993 | ||
Due to trust accounts |
|
856,873 |
|
686,331 | ||
Accounts payable |
|
2,512,391 |
|
1,891,607 | ||
Accrued expenses |
|
4,785,644 |
|
2,356,860 | ||
Advances from customers |
|
71,201 |
|
33,478 | ||
Unearned income |
|
137,172 |
|
119,319 | ||
Withholding taxes |
|
80,425 |
|
55,111 | ||
Guarantee deposits received |
|
117,172 |
|
86,115 | ||
Deferred tax liabilities (Note 26) |
|
|
|
5,506 | ||
Derivative liabilities (Note 16) |
|
518,174 |
|
277,206 | ||
Unsettled domestic exchange transaction |
|
62,812 |
|
295,919 | ||
Due to agencies |
|
527,102 |
|
65,103 | ||
Other allowances1* |
|
25,114 |
|
| ||
Giro accounts |
|
240,279 |
|
56,767 | ||
Others |
|
221,371 |
|
30,659 | ||
|
|
|
| |||
(Won) |
10,249,445 |
(Won) |
6,245,609 | |||
|
|
|
|
1* |
Other allowances comprise following (in millions of Won): |
Amounts |
Remarks | ||||
Suspense receivables |
(Won) |
6,500 |
Allowance for loss on accident | ||
Loss on closure of overseas branch |
|
5,898 |
Allowance for loss on closure of the branch in Buenos Aires | ||
Uncollected leasehold deposits |
|
4,757 |
Allowance for loss on uncollected leasehold deposits | ||
Credit card receivables |
|
7,959 |
Allowance for unused cash advance to offset the risk of loss occurring from it | ||
|
|
||||
(Won) |
25,114 |
||||
|
|
Beginning Balance |
Amounts Provided |
Amounts Paid
Out |
Ending Balance |
|||||||||||||
Retained retirement benefits |
(Won) |
21,973 |
|
(Won) |
59,669 |
|
(Won) |
10,046 |
|
(Won) |
71,596 |
| ||||
Contributed retirement benefits |
|
28,414 |
|
|
492 |
|
|
192 |
|
|
28,714 |
| ||||
|
|
|
|
|
|
|
|
|
|
|
| |||||
Total accrued retirement benefits |
|
50,387 |
|
|
60,161 |
|
|
10,238 |
|
|
100,310 |
| ||||
|
|
|
|
|
|
|
|
|
|
|
| |||||
Contribution to National Pension Fund |
|
(33 |
) |
|
|
|
|
(28 |
) |
|
(5 |
) | ||||
Contribution to pension funds |
|
(28,414 |
) |
|
(492 |
) |
|
(192 |
) |
|
(28,714 |
) | ||||
|
|
|
|
|
|
|
|
|
|
|
| |||||
(Won) |
21,940 |
|
(Won) |
59,669 |
|
(Won) |
10,018 |
|
(Won) |
71,591 |
| |||||
|
|
|
|
|
|
|
|
|
|
|
|
2002 |
2001 | |||||||
Guarantees and acceptances outstanding |
||||||||
Guarantees and acceptances in Won |
Guarantees on debentures |
(Won) |
580 |
(Won) |
5,363 | |||
Guarantees on loan collateral |
|
38,953 |
|
46,821 | ||||
Guarantees on commercial bills |
|
723 |
|
25 | ||||
Others |
|
243,599 |
|
137,471 | ||||
|
|
|
| |||||
|
283,855 |
|
189,680 | |||||
|
|
|
| |||||
Guarantees and acceptances in foreign currencies |
Acceptances on letters of credit |
|
2,135,504 |
|
1,912,235 | |||
Acceptances for letters of guarantee for importers |
|
88,880 |
|
70,205 | ||||
Guarantees for performance |
|
104,804 |
|
94,272 | ||||
Guarantees for bid |
|
1,121 |
|
1,008 | ||||
Guarantees for borrowings |
|
26,494 |
|
23,832 | ||||
Guarantees for repayment of advances |
|
27,236 |
|
24,499 | ||||
Others |
|
341,408 |
|
325,504 | ||||
|
|
|
| |||||
|
2,725,447 |
|
2,451,555 | |||||
|
|
|
| |||||
Contingent guarantees and acceptances |
|
3,009,302 |
|
2,641,235 | ||||
|
|
|
| |||||
Letters of Credit |
|
1,204,271 |
|
1,117,188 | ||||
Others |
|
132,536 |
|
309,399 | ||||
|
|
|
| |||||
|
1,336,807 |
|
1,426,587 | |||||
|
|
|
| |||||
(Won) |
4,346,109 |
(Won) |
4,067,822 | |||||
|
|
|
|
Normal |
Precautionary |
Substandard |
Doubtful |
Estimated Loss |
Total | |||||||||||||||
Guarantees and acceptances in Won |
Balance |
(Won) |
270,047 |
(Won) |
11,856 |
(Won) |
1,800 |
(Won) |
152 |
(Won) |
|
(Won) |
283,855 | |||||||
Allowance |
|
|
|
|
|
360 |
|
136 |
|
|
|
496 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Ratio (%) |
|
|
|
|
|
20.00 |
|
89.47 |
|
100 |
|
0.17 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Guarantees and acceptances in |
Balance |
|
2,551,395 |
|
121,282 |
|
37,686 |
|
14,923 |
|
161 |
|
2,725,447 | |||||||
foreign currencies |
Allowance |
|
|
|
|
|
10,620 |
|
10,847 |
|
161 |
|
21,628 | |||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Ratio (%) |
|
|
|
|
|
28.18 |
|
72.69 |
|
100.0 |
|
0.79 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Total |
Balance |
(Won) |
2,821,442 |
(Won) |
133,138 |
(Won) |
39,486 |
(Won) |
15,075 |
(Won) |
161 |
(Won) |
3,009,302 | |||||||
Allowance |
|
|
|
|
|
10,980 |
|
10,983 |
|
161 |
|
22,124 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Ratio (%) |
|
|
|
|
|
27.81 |
|
72.86 |
|
100.0 |
|
0.74 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
2002 |
2001 | |||||
Guarantees and acceptances outstanding |
(Won) |
3,009,302 |
(Won) |
2,641,235 | ||
Allowances for losses from guarantees and acceptances outstanding |
|
22,124 |
|
24,993 | ||
|
|
|
| |||
Ratio (%) |
|
0.74 |
|
0.95 | ||
|
|
|
|
2002 |
2001 |
|||||||
Beginning balance |
(Won) |
43,823 |
|
(Won) |
37,330 |
| ||
Reversal of allowance |
|
(18,417 |
) |
|
(12,337 |
) | ||
Changes in foreign exchange rates |
|
(3,282 |
) |
|
|
| ||
|
|
|
|
|
| |||
Ending balance |
(Won) |
22,124 |
|
(Won) |
24,993 |
| ||
|
|
|
|
|
|
Guarantees and Acceptances
Outstanding |
Contingent Guarantees and Acceptances |
Total | |||||||||||||
Balance |
Percentage (%) |
Balance |
Percentage (%) |
Balance |
Percentage (%) | ||||||||||
Korea |
(Won) |
2,978,092 |
98.96 |
(Won) |
1,335,804 |
99.92 |
(Won) |
4,313,896 |
99.26 | ||||||
Others |
|
31,210 |
1.04 |
|
1,003 |
0.08 |
|
32,213 |
0.74 | ||||||
|
|
|
|
|
|
|
|
| |||||||
(Won) |
3,009,302 |
100.00 |
(Won) |
1,336,807 |
100.00 |
(Won) |
4,346,109 |
100.00 | |||||||
|
|
|
|
|
|
|
|
|
Guarantees and Acceptances
Outstanding |
Contingent Guarantees and Acceptances |
Total | |||||||||||||
Balance |
Percentage (%) |
Balance |
Percentage (%) |
Balance |
Percentage (%) | ||||||||||
Manufacturing |
(Won) |
1,702,866 |
56.59 |
(Won) |
778,024 |
58.20 |
(Won) |
2,480,890 |
57.08 | ||||||
Finance |
|
140,909 |
4.68 |
|
26,951 |
2.02 |
|
167,860 |
3.86 | ||||||
Service |
|
77,772 |
2.58 |
|
495 |
0.04 |
|
78,267 |
1.80 | ||||||
Others |
|
1,087,755 |
36.15 |
|
531,337 |
39.74 |
|
1,619,092 |
37.26 | ||||||
|
|
|
|
|
|
|
|
| |||||||
(Won) |
3,009,302 |
100.00 |
(Won) |
1,336,807 |
100.00 |
(Won) |
4,346,109 |
100.00 | |||||||
|
|
|
|
|
|
|
|
|
Guarantees and Acceptances Outstanding |
Contingent Guarantees and Acceptances |
Total | |||||||||||||
Balance |
Percentage (%) |
Balance |
Percentage (%) |
Balance |
Percentage (%) | ||||||||||
Industrial |
(Won) |
2,990,920 |
99.39 |
(Won) |
1,336,807 |
100.00 |
(Won) |
4,327,727 |
99.58 | ||||||
Public and Others |
|
18,382 |
0.61 |
|
|
|
|
18,382 |
0.42 | ||||||
|
|
|
|
|
|
|
|
| |||||||
(Won) |
3,009,302 |
100.00 |
(Won) |
1,336,807 |
100.00 |
(Won) |
4,346,109 |
100.00 | |||||||
|
|
|
|
|
|
|
|
|
2002 |
2001 | |||||||||||||||||
Trading |
Hedge |
Total |
Trading |
Hedge |
Total | |||||||||||||
Interest related |
||||||||||||||||||
Futures |
(Won) |
412,613 |
(Won) |
|
(Won) |
412,613 |
(Won) |
193,836 |
(Won) |
|
(Won) |
193,836 | ||||||
Option |
|
1,200 |
|
|
|
1,200 |
|
|
|
|
|
| ||||||
Swap |
|
28,175,750 |
|
464,219 |
|
28,639,969 |
|
16,781,699 |
|
705,597 |
|
17,487,296 | ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
|
28,589,563 |
|
464,219 |
|
29,053,782 |
|
16,975,535 |
|
705,597 |
|
17,681,132 | |||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
Currency related |
||||||||||||||||||
Forward |
|
13,863,626 |
|
|
|
13,863,626 |
|
10,233,801 |
|
|
|
10,233,801 | ||||||
Futures |
|
453,251 |
|
|
|
453,251 |
|
905,439 |
|
|
|
905,439 | ||||||
Option bought |
|
151,962 |
|
|
|
151,962 |
|
49,746 |
|
|
|
49,746 | ||||||
Option sold |
|
193,300 |
|
|
|
193,300 |
|
76,844 |
|
|
|
76,844 | ||||||
Swap |
|
3,081,419 |
|
|
|
3,081,419 |
|
1,845,927 |
|
|
|
1,845,927 | ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
|
17,743,558 |
|
|
|
17,743,558 |
|
13,111,757 |
|
|
|
13,111,757 | |||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
Stock related |
||||||||||||||||||
Option bought |
|
146,185 |
|
|
|
146,185 |
|
|
|
|
|
| ||||||
Option sold |
|
100,000 |
|
|
|
100,000 |
|
|
|
|
|
| ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
|
246,185 |
|
|
|
246,185 |
|
|
|
|
|
| |||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
Credit derivatives |
|
|
|
|
|
|
|
68,073 |
|
|
|
68,073 | ||||||
Others |
|
|
|
|
|
|
|
1,963 |
|
|
|
1,963 | ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
(Won) |
46,579,306 |
(Won) |
464,219 |
(Won) |
47,043,525 |
(Won) |
30,157,328 |
(Won) |
705,597 |
(Won) |
30,862,925 | |||||||
|
|
|
|
|
|
|
|
|
|
|
|
2002 |
2001 | |||||
Gain on derivatives |
||||||
Gain on derivatives transactions |
(Won) |
1,297,454 |
(Won) |
1,648,024 | ||
Gain on valuation of derivatives |
|
541,349 |
|
197,025 | ||
Gain on fair value hedged items |
|
17,598 |
|
24,397 | ||
|
|
|
| |||
(Won) |
1,856,401 |
(Won) |
1,869,446 | |||
|
|
|
| |||
Loss on derivatives |
||||||
Loss on derivatives transactions |
(Won) |
1,134,410 |
(Won) |
1,731,723 | ||
Loss on valuation of derivatives |
|
553,784 |
|
180,586 | ||
Loss on fair value hedged items |
|
5,011 |
|
| ||
|
|
|
| |||
(Won) |
1,693,205 |
(Won) |
1,912,309 | |||
|
|
|
|
Valuation Gains (P/L) |
Valuation Losses (P/L) |
Fair Value (B/S) | ||||||||||||||||||||||
Trading |
Hedge |
Total |
Trading |
Hedge |
Total |
Asset |
Liability | |||||||||||||||||
Interest related |
||||||||||||||||||||||||
Interest option bought |
(Won) |
1,444 |
(Won) |
|
(Won) |
1,444 |
(Won) |
1 |
(Won) |
|
(Won) |
1 |
(Won) |
2 |
(Won) |
| ||||||||
Interest option sold |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1 | ||||||||
Swap |
|
132,415 |
|
5,011 |
|
137,426 |
|
204,191 |
|
17,598 |
|
221,789 |
|
135,425 |
|
228,307 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
|
133,859 |
|
5,011 |
|
138,870 |
|
204,192 |
|
17,598 |
|
221,790 |
|
135,427 |
|
228,308 | |||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Currency related |
||||||||||||||||||||||||
Forward |
|
213,631 |
|
|
|
213,631 |
|
242,564 |
|
|
|
242,564 |
|
200,910 |
|
222,379 | ||||||||
Option bought |
|
2,461 |
|
|
|
2,461 |
|
|
|
|
|
|
|
2,393 |
|
3,287 | ||||||||
Option sold |
|
|
|
|
|
|
|
2,943 |
|
|
|
2,943 |
|
|
|
| ||||||||
Swap |
|
185,129 |
|
|
|
185,129 |
|
86,374 |
|
|
|
86,374 |
|
247,421 |
|
58,638 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
|
401,221 |
|
|
|
401,221 |
|
331,881 |
|
|
|
331,881 |
|
450,724 |
|
284,304 | |||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
Others |
|
1,258 |
|
|
|
1,258 |
|
113 |
|
|
|
113 |
|
10,996 |
|
5,562 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
(Won) |
536,338 |
(Won) |
5,011 |
(Won) |
541,349 |
(Won) |
536,186 |
(Won) |
17,598 |
(Won) |
553,784 |
(Won) |
597,147 |
(Won) |
518,174 | |||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2002 |
2001 | |||||
Paid-in capital in excess of par value |
(Won) |
5,106,789 |
(Won) |
1,039,396 | ||
Gain on business combination |
|
397,669 |
|
397,669 | ||
Revaluation increment |
|
177,229 |
|
177,229 | ||
Others |
|
2,141 |
|
1,758 | ||
|
|
|
| |||
(Won) |
5,683,828 |
(Won) |
1,616,052 | |||
|
|
|
|
Beginning Balance |
Increase1* |
Decrease2* |
Ending Balance | |||||||||
Paid-in capital in excess of par value |
(Won) |
5,107,251 |
(Won) |
|
(Won) |
462 |
(Won) |
5,106,789 | ||||
Gain on business combination |
|
397,669 |
|
|
|
|
|
397,669 | ||||
Revaluation increment |
|
177,229 |
|
|
|
|
|
177,229 | ||||
Others |
|
1,815 |
|
326 |
|
|
|
2,141 | ||||
|
|
|
|
|
|
|
| |||||
(Won) |
5,683,964 |
(Won) |
326 |
(Won) |
462 |
(Won) |
5,683,828 | |||||
|
|
|
|
|
|
|
|
1* |
The increases in other capital surplus value is due to the gain on the sales of treasury stocks. |
2* |
The decreases in paid-in capital in excess of par value are due to the new common stock issuance of the Bank for stock dividends.
|
2002 |
2001 | |||||
Legal reserve |
(Won) |
413,740 |
(Won) |
339,640 | ||
Reserve for business rationalization |
|
40,760 |
|
39,760 | ||
Special reserves |
|
960,700 |
|
480,700 | ||
Other reserves |
|
7,136 |
|
14,902 | ||
Unappropriated retained earnings |
|
1,528,677 |
|
764,079 | ||
|
|
|
| |||
(Won) |
2,951,013 |
(Won) |
1,639,081 | |||
|
|
|
|
2002 |
2001 | |||||
Reserves for overseas investment losses |
(Won) |
5,417 |
(Won) |
13,900 | ||
Other reserves |
|
1,719 |
|
1,002 | ||
|
|
|
| |||
(Won) |
7,136 |
(Won) |
14,902 | |||
|
|
|
|
2002 |
2001 |
|||||||
Treasury stocks |
(Won) |
(116,649 |
) |
(Won) |
(40,000 |
) | ||
Unissued stock dividends |
|
|
|
|
|
| ||
Unrealized gain on investment securities |
|
169,563 |
|
|
206,080 |
| ||
Employee stock options (See Note 22) |
|
15,495 |
|
|
1,356 |
| ||
|
|
|
|
|
| |||
(Won) |
68,409 |
|
(Won) |
167,436 |
| |||
|
|
|
|
|
|
Beginning Balance |
Increase |
Decrease |
Ending Balance |
|||||||||||||
Treasury stocks |
(Won) |
(1,363 |
) |
(Won) |
(116,888 |
) |
(Won) |
(1,602 |
) |
(Won) |
(116,649 |
) | ||||
Unissued stock dividends |
|
89,900 |
|
|
|
|
|
89,900 |
|
|
|
| ||||
Unrealized gain on investment securities |
|
189,058 |
|
|
41,235 |
|
|
60,730 |
|
|
169,563 |
| ||||
Employee stock options (Notes 22) |
|
26,021 |
|
|
7,040 |
|
|
17,566 |
|
|
15,495 |
| ||||
|
|
|
|
|
|
|
|
|
|
|
| |||||
(Won) |
303,616 |
|
(Won) |
(68,613 |
) |
(Won) |
166,594 |
|
(Won) |
68,409 |
| |||||
|
|
|
|
|
|
|
|
|
|
|
|
Stock options transferred from H&CB |
|||||||||||||||||||||||||||
Series1*1 |
Series 2*1 |
Series 3 |
Series 4 |
Series 5 |
Series 6 |
Series7*2*3 |
Series 8*3 |
Series 9 | |||||||||||||||||||
Grant date |
|
00.3.18 |
|
01.3.15 |
|
98.10.31 |
|
99.2.27 |
|
00.2.28 |
|
01.3.24 |
|
01.11.16 |
|
02.3.22 |
|
02.7.26 | |||||||||
Shares granted |
|
222,094 |
|
214,975 |
|
400,000 |
|
280,000 |
|
267,000 |
|
111,000 |
|
650,000 |
|
622,000 |
|
30,000 | |||||||||
Shares expired to date |
|
109,565 |
|
16,882 |
|
|
|
59,892 |
|
65,218 |
|
21,173 |
|
|
|
33,000 |
|||||||||||
Shares exercised |
|
|
|
|
|
310,000 |
|
220,108 |
|
|
|
|
|
|
|
|
|||||||||||
Shares outstanding |
|
112,529 |
|
198,093 |
|
90,000 |
|
|
|
201,782 |
|
89,827 |
|
650,000 |
|
589,000 |
|
30,000 | |||||||||
Exercise method |
The Banks choice of issuance or net settlement | ||||||||||||||||||||||||||
Exercise price |
(Won) |
23,469 |
(Won) |
28,027 |
(Won) |
5,000 |
(Won) |
13,900 |
(Won) |
27,600 |
(Won) |
25,100 |
(Won) |
51,200 |
(Won) |
57,100 |
(Won) |
58,800 | |||||||||
Exercise period |
|
03.3.19- 05.3.18 |
|
04.3.16- 09.3.15 |
|
01.11.1- 04.10.31 |
|
02.2.28- 05.2.27 |
|
03.3.1- 06.2.28 |
|
04.3.25- 07.3.24 |
|
04.11.17- 09.11.16 |
|
05.3.23- 10.3.22 |
|
05.7.27- 10.7.26 |
1* |
For stock options granted before the business combination, the number of shares have been adjusted based on a predetermined stock exchange ratio in the business
combination with H&CB. |
2* |
The stock options do not include the shares, which will be additionally granted if the three-month weighted average stock price of the Bank right before
exercise is higher than that of any other listed bank. |
3* |
The exercise price may be affected by the fluctuation of the stock price index of the banking industry. |
Stock options transferred from H&CB |
|||||||||||||||||||||||
Series 1 |
Series 2 |
Series 3*1 |
Series 4 |
Series 5 |
Series 6 |
||||||||||||||||||
Stock price on grant date |
(Won) |
21,442 |
|
(Won) |
25,156 |
|
(Won) |
|
(Won) |
33,750 |
|
(Won) |
33,750 |
|
(Won) |
33,750 |
| ||||||
Risk-free interest rate*2 |
|
9.325 |
% |
|
6.060 |
% |
|
|
|
4.743 |
% |
|
4.743 |
% |
|
4.743 |
% | ||||||
Expected exercise period*3 |
|
4 years |
|
|
5.5 years |
|
|
|
|
3 years |
|
|
3 years |
|
|
3 years |
| ||||||
Stock price volatility*4 |
|
71.143 |
% |
|
70.301 |
% |
|
|
|
73.295 |
% |
|
73.295 |
% |
|
73.295 |
% | ||||||
Expected dividend rate*5 |
|
2.25 |
% |
|
2.47 |
% |
|
|
|
1.93 |
% |
|
1.93 |
% |
|
1.93 |
% | ||||||
Compensation cost per share |
(Won) |
12,638 |
|
(Won) |
15,987 |
|
(Won) |
44,750 |
(Won) |
19,850 |
|
(Won) |
13,320 |
|
(Won) |
17,117 |
| ||||||
Total compensation cost*6 |
(Won) |
1,422 |
|
(Won) |
3,167 |
|
(Won) |
3,578 |
|
|
|
(Won) |
2,688 |
|
(Won) |
1,538 |
| ||||||
Recognized compensation cost*6 |
(Won) |
1,185 |
|
(Won) |
1,583 |
|
(Won) |
3,578 |
|
|
|
(Won) |
2,315 |
|
(Won) |
769 |
| ||||||
|
Series 7 |
|
|
Series 8 |
|
|
Series 9 |
| |||||||||||||||
Stock price on grant date |
(Won) |
45,800 |
|
(Won) |
58,000 |
|
(Won) |
53,900 |
| ||||||||||||||
Risk-free interest rate*2 |
|
4.910 |
% |
|
6.136 |
% |
|
5.734 |
% | ||||||||||||||
Expected exercise period*3 |
|
3 years |
|
|
3 years |
|
|
3 years |
| ||||||||||||||
Stock price volatility*4 |
|
58.902 |
% |
|
53.560 |
% |
|
52,393 |
% | ||||||||||||||
Expected dividend rate*5 |
|
1.42 |
% |
|
1.42 |
% |
|
1.42 |
% | ||||||||||||||
Compensation cost per share |
(Won) |
20,086 |
|
(Won) |
24,496 |
|
(Won) |
20,365 |
| ||||||||||||||
Total compensation cost*6 |
(Won) |
13,056 |
|
(Won) |
14,428 |
|
(Won) |
611 |
| ||||||||||||||
Recognized compensation cost*6 |
(Won) |
3,627 |
|
(Won) |
2,405 |
|
(Won) |
34 |
|
1* |
The compensation cost of shares granted on October 31, 1998 is to be determined annually by multiplying the difference between exercise price and market value
at balance sheet date by number of shares granted. |
2* |
Risk free interest rate is the government bond rate for the expected exercise period. |
3* |
Expected exercise period is the average number of years between the vesting date and option expiration date to Series 1, 2 and the option expiration date to
Series 3 - 9 |
4* |
Stock price volatility is annualized volatility as of the grant date. |
5* |
Expected dividend rate is the average dividend rate for past periods corresponding to the expected exercise period. |
6* |
in millions of Won |
Stock options transferred |
||||||||||||||||||||||||
Series 1 |
Series 2 |
Series 5 |
Series 6 |
Series 7 |
Series 8 |
Series 9 |
Total | |||||||||||||||||
Within 1 year |
(Won) |
237 |
(Won) |
1,056 |
(Won) |
373 |
(Won) |
513 |
(Won) |
4,352 |
(Won) |
4,809 |
(Won) |
204 |
(Won) |
11,544 | ||||||||
Within 2 years |
|
|
|
528 |
|
|
|
256 |
|
4,352 |
|
4,809 |
|
204 |
|
10,149 | ||||||||
Within 3 years |
|
|
|
|
|
|
|
|
|
725 |
|
2,405 |
|
169 |
|
3,299 | ||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |||||||||
(Won) |
237 |
(Won) |
1,584 |
(Won) |
373 |
(Won) |
769 |
(Won) |
9,429 |
(Won) |
12,023 |
(Won) |
577 |
(Won) |
24,992 | |||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2002 |
2001 | |||||
Other non-interest income: |
||||||
Realized gain on trading securities |
(Won) |
73,597 |
(Won) |
133,453 | ||
Unrealized gain on trading securities |
|
148,072 |
|
42,570 | ||
Gain on trust management |
|
234,859 |
|
178,590 | ||
Reversal of allowance for losses on acceptances and guarantees |
|
18,417 |
|
12,337 | ||
Others |
|
7,723 |
|
716 | ||
|
|
|
| |||
(Won) |
482,668 |
(Won) |
367,666 | |||
|
|
|
| |||
Other non-interest expenses: |
||||||
Realized loss on trading securities |
(Won) |
23,755 |
(Won) |
90,168 | ||
Unrealized loss on trading securities |
|
546 |
|
10 | ||
Loss on trust management |
|
|
|
119 | ||
Contributions to special funds |
|
109,144 |
|
59,001 | ||
Others |
|
109,117 |
|
39,839 | ||
|
|
|
| |||
(Won) |
242,562 |
(Won) |
189,137 | |||
|
|
|
|
2002 |
2001 | |||||
Salaries and wages |
(Won) |
824,451 |
(Won) |
303,601 | ||
Retirement benefits (Note 14) |
|
60,163 |
|
54,019 | ||
Other employee benefits |
|
162,966 |
|
227,616 | ||
Rent |
|
35,647 |
|
14,784 | ||
Depreciation |
|
204,222 |
|
70,195 | ||
Amortization |
|
58,817 |
|
177 | ||
Taxes and dues |
|
76,151 |
|
40,672 | ||
Advertising |
|
42,726 |
|
20,341 | ||
Ordinary R&D |
|
116,850 |
|
21,921 | ||
Fees and commissions |
|
43,704 |
|
21,653 | ||
Others |
|
147,831 |
|
70,797 | ||
|
|
|
| |||
(Won) |
1,773,528 |
(Won) |
845,776 | |||
|
|
|
|
2002 |
2001 | |||||
Non-operating income: |
||||||
Gain on disposal of fixed assets |
(Won) |
838 |
(Won) |
353 | ||
Rent income |
|
2,663 |
|
1,436 | ||
Gain on investment in associates using equity method of accounting (Note 5) |
|
154,096 |
|
282,605 | ||
Realized gain on investment securities |
|
233,371 |
|
72,871 | ||
Recovery of impairment loss on equity investment securities |
|
15,318 |
|
| ||
Recovery of impairment loss on debt investment securities |
|
12,380 |
|
| ||
Unrealized gain on investment in funds (Note 5) |
|
34,568 |
|
96,318 | ||
Gain on sale of troubled loans |
|
15,856 |
|
822 | ||
Others |
|
69,407 |
|
35,764 | ||
|
|
|
| |||
|
538,497 |
|
490,169 | |||
|
|
|
| |||
Non-operating expenses: |
||||||
Loss on disposal of fixed assets |
|
1,242 |
|
3,193 | ||
Realized loss on investment securities |
|
133,740 |
|
28,328 | ||
Impairment loss on equity investment securities (Note 5) |
|
107,538 |
|
495 | ||
Impairment loss on debt investment securities (Note 5) |
|
40,255 |
|
4,770 | ||
Loss on sale of troubled loans |
|
9,383 |
|
15,905 | ||
Retirement benefits |
|
|
|
38,866 | ||
Others |
|
54,606 |
|
40,349 | ||
|
|
|
| |||
|
346,764 |
|
131,906 | |||
|
|
|
| |||
Net amount |
(Won) |
191,733 |
(Won) |
358,263 | ||
|
|
|
|
2002 |
2001 | |||||
Income taxes payable |
(Won) |
599,275 |
(Won) |
189,432 | ||
Change of deferred income taxes |
||||||
Deferred income taxes from temporary differences |
|
45,092 |
|
195,809 | ||
Realization of prior years loss carry-forwards |
|
28,929 |
|
| ||
|
|
|
| |||
|
74,021 |
|
195,809 | |||
|
|
|
| |||
Income tax expenses |
(Won) |
673,296 |
(Won) |
385,241 | ||
|
|
|
|
2002 |
2001 | |||||
Adjustments to increase taxable income |
||||||
Permanent differences due to: |
||||||
Amortization of goodwill |
(Won) |
58,759 |
(Won) |
| ||
Employee stock option |
|
24,340 |
|
| ||
Interests recognized |
|
5,602 |
|
1,359 | ||
Interest paid |
|
3,223 |
|
1,196 | ||
Others |
|
50,975 |
|
3,972 | ||
|
|
|
| |||
|
142,899 |
|
6,527 | |||
|
|
|
| |||
Temporary differences (See below) |
|
1,106,386 |
|
1,149,237 | ||
|
|
|
| |||
(Won) |
1,249,285 |
(Won) |
1,155,764 | |||
|
|
|
| |||
Adjustments to decrease taxable income |
||||||
Permanent differences due to: |
||||||
Dividend income |
(Won) |
56,539 |
(Won) |
1,986 | ||
Refunded income taxes |
|
4,502 |
|
| ||
Others |
|
819 |
|
2,020 | ||
|
|
|
| |||
|
61,860 |
|
4,006 | |||
|
|
|
| |||
Temporary differences (See below) |
|
1,409,989 |
|
1,784,980 | ||
|
|
|
| |||
(Won) |
1,471,849 |
(Won) |
1,788,986 | |||
|
|
|
|
Beginning Balance |
Increase |
Decrease |
Ending Balance |
Deferred tax Assets (Liab.) |
||||||||||||||||
Allowance for loan losses |
(Won) |
671,717 |
|
(Won) |
284,312 |
|
(Won) |
671,717 |
|
(Won) |
284,312 |
|
(Won) |
84,441 |
| |||||
Accrued interest |
|
(478,123 |
) |
|
(308,159 |
) |
|
(478,123 |
) |
|
(308,159 |
) |
|
(91,523 |
) | |||||
Unrealized loss on securities |
|
1,875 |
|
|
(216,096 |
) |
|
(213,579 |
) |
|
(642 |
) |
|
(190 |
) | |||||
Unrealized loss on derivatives |
|
32,011 |
|
|
(152 |
) |
|
71,525 |
|
|
(39,666 |
) |
|
(11,781 |
) | |||||
Present value discounts |
|
87,972 |
|
|
46,723 |
|
|
80,287 |
|
|
54,408 |
|
|
16,159 |
| |||||
Allowance for losses on acceptances and guarantees |
|
43,823 |
|
|
22,124 |
|
|
43,823 |
|
|
22,124 |
|
|
6,571 |
| |||||
Accrued retirement benefits |
|
1,785 |
|
|
29,373 |
|
|
(192 |
) |
|
31,350 |
|
|
9,311 |
| |||||
Reserve for overseas investment losses |
|
(6,664 |
) |
|
|
|
|
(4,997 |
) |
|
(1,667 |
) |
|
(495 |
) | |||||
Stock option compensation cost |
|
26,021 |
|
|
7,040 |
|
|
17,566 |
|
|
15,495 |
|
|
4,602 |
| |||||
Others |
|
21,750 |
|
|
31,187 |
|
|
11,928 |
|
|
41,009 |
|
|
12,179 |
| |||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||
(Won) |
402,167 |
|
(Won) |
(103,648 |
) |
(Won) |
199,955 |
|
(Won) |
98,564 |
|
(Won) |
29,274 |
| ||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2002 |
20011* |
||||||
Net income after income taxes |
(Won) |
1,512,868 |
(Won) |
863,062 |
| ||
Dividend on preferred stock (1%) |
|
|
|
(930 |
) | ||
|
|
|
|
| |||
|
1,512,868 |
|
862,132 |
| |||
Weighted average number of common shares outstanding |
|
317,390,563 |
|
190,576,391 |
| ||
|
|
|
|
| |||
Earnings per share (in Won) |
(Won) |
4,767 |
(Won) |
4,524 |
| ||
|
|
|
|
|
2002 |
20011* | |||||
Net income after income taxes |
(Won) |
1,512,868 |
(Won) |
863,062 | ||
Interest expenses on convertible bonds |
|
4,556 |
|
3,214 | ||
Stock compensation expenses |
|
431 |
|
| ||
|
|
|
| |||
|
1,517,855 |
|
866,276 | |||
Weighted average number of common shares outstanding |
|
328,274,851 |
|
225,158,139 | ||
|
|
|
| |||
Diluted earnings per share (in Won) |
(Won) |
4,624 |
(Won) |
3,847 | ||
|
|
|
|
1* |
EPS and diluted EPS for the nine-month period ended September 30, 2001 are adjusted considering the effect of business combination with H&CB.
|
Number of Shares |
Days Outstanding |
Weighted Average Number of Shares |
||||||
Weighted average common stock-beginning balance |
317,677,416 |
|
273 |
317,677,416 |
| |||
Treasury common stock beginning balance |
(31,548 |
) |
93 |
(10,747 |
) | |||
Treasury common stock acquisition during the period |
(2,236,089 |
) |
34 |
(276,106 |
) | |||
|
| |||||||
Weighted average number of common shares before dilution ((1)) |
317,390,563 |
| ||||||
|
| |||||||
Convertible bonds issued to Goldman Sachs |
10,581,269 |
|
273 |
10,581,269 |
| |||
Employee stock option |
303,019 |
|
273 |
303,019 |
| |||
|
| |||||||
Diluting shares ((2)) |
10,884,288 |
| ||||||
|
| |||||||
Diluted weighted average number of common shares ((1)+(2)) |
328,274,851 |
| ||||||
|
|
Type |
Exercise period |
Numbers of common shares to be issued |
Exercise price | |||
Convertible Bond |
1 month after issuance date- 1 month before maturity |
10,581,269 |
One share per (Won)22,124
of face value | |||
Stock Option |
03-19-200303-18-2005 |
112,529 |
(Won) 23,469 per share | |||
Stock Option |
03-16-200403-15-2009 |
198,093 |
(Won) 28,027 per share | |||
Stock Option |
11-01-200110-31-2004 |
90,000 |
(Won) 5,000 per share | |||
Stock Option |
03-01-200302-28-2006 |
201,782 |
(Won) 27,600 per share | |||
Stock Option |
03-25-200403-24-2007 |
89,827 |
(Won) 25,100 per share | |||
Stock Option |
11-17-200411-16-2009 |
650,000 |
(Won) 51,200 per share | |||
Stock Option |
03-23-200503-22-2010 |
589,000 |
(Won) 57,100 per share | |||
Stock Option |
07-27-200507-26-2010 |
30,000 |
(Won) 58,800 per share |
Total Balances |
Major Denomination Currencies | ||||||||||||||
Millions of Won |
Thousands of US
Dollars1* |
Thousands of US
Dollars |
Thousands of EC
Euro |
Thousands of Japanese
Yen | |||||||||||
Assets |
|||||||||||||||
Cash |
(Won) |
186,790 |
$ |
152,420 |
$ |
71,836 |
|
13,383 |
¥ |
6,916,364 | |||||
Due from banks |
|
281,704 |
|
229,869 |
|
185,960 |
|
5,374 |
|
2,640,517 | |||||
Investment securities |
|
1,219,330 |
|
994,965 |
|
911,446 |
|
|
|
5,009,613 | |||||
Loans in foreign currencies |
|
3,521,209 |
|
2,873,284 |
|
2,211,286 |
|
6,227 |
|
64,986,963 | |||||
Bills bought |
|
803,457 |
|
655,616 |
|
610,007 |
|
30,930 |
|
830,130 | |||||
Advances for customers |
|
2,270 |
|
1,852 |
|
1,852 |
|
|
|
| |||||
Call loans |
|
340,483 |
|
277,832 |
|
256,400 |
|
1,700 |
|
2,426,000 | |||||
Liabilities |
|||||||||||||||
Deposits |
|
986,415 |
|
804,908 |
|
571,726 |
|
11,799 |
|
22,292,066 | |||||
Borrowings |
|
2,248,847 |
|
1,835,044 |
|
1,546,758 |
|
|
|
33,226,600 | |||||
Due to BOK |
|
49,061 |
|
40,033 |
|
40,033 |
|
|
|
| |||||
Call money |
|
209,502 |
|
170,952 |
|
1,200 |
|
|
|
20,750,400 | |||||
Debentures |
|
941,382 |
|
768,162 |
|
622,840 |
|
|
|
| |||||
Unsettled foreign payables |
|
46,275 |
|
37,760 |
|
29,988 |
|
1,301 |
|
646,068 |
1* |
Foreign currencies other than US dollars are converted into US dollar amounts using the exchange rates provided by Korea Financial Telecommunications &
Clearing Institute at the balance sheet date. |
Account |
Beginning Balance |
Increase |
Decrease |
Ending Balance |
Transactions Relating P/L |
|||||||||||
Kookmin Credit Card Co., Ltd. |
||||||||||||||||
Loans |
(Won) |
122,526 |
(Won) |
208,015 |
(Won) |
|
(Won) |
330,541 |
(Won) |
15,654 |
| |||||
Other assets |
|
1,907 |
|
62 |
|
|
|
1,969 |
|
62 |
| |||||
Deposits |
|
4,687 |
|
6,161 |
|
|
|
10,848 |
|
(68 |
) | |||||
Borrowings |
|
|
|
|
|
|
|
|
|
(155 |
) | |||||
Other liabilities |
|
18,334 |
|
150,930 |
|
1,291 |
|
167,973 |
|
(2,780 |
) | |||||
Commissions income |
|
|
|
|
|
|
|
|
|
128,818 |
| |||||
Commissions expenses |
|
|
|
|
|
|
|
|
|
(176 |
) | |||||
Kookmin Leasing Co., Ltd. |
||||||||||||||||
Investment securities |
|
761 |
|
|
|
761 |
|
|
|
968 |
| |||||
Deposits |
|
75,912 |
|
|
|
45,392 |
|
30,520 |
|
(1,719 |
) | |||||
Kookmin Venture Capital Co., Ltd. |
||||||||||||||||
Loans |
|
96,000 |
|
|
|
88,000 |
|
8,000 |
|
8 |
| |||||
Deposits |
|
29,811 |
|
|
|
20,791 |
|
9,020 |
|
(978 |
) | |||||
Kookmin Data System Co., Ltd. |
||||||||||||||||
Deposits |
|
3,676 |
|
2,029 |
|
|
|
5,705 |
|
(410 |
) | |||||
Other liabilities |
|
879 |
|
|
|
|
|
879 |
|
69 |
| |||||
Kookmin Futures Co., Ltd. |
||||||||||||||||
Due from banks |
|
2,092 |
|
|
|
1,994 |
|
98 |
|
3 |
| |||||
Deposits |
|
10,646 |
|
273 |
|
|
|
10,919 |
|
(421 |
) | |||||
Other liabilities |
|
620 |
|
|
|
|
|
620 |
|
48 |
| |||||
Kookmin Bank Luxembourg S.A. |
||||||||||||||||
Due from banks |
|
9,903 |
|
4,052 |
|
|
|
13,955 |
|
|
| |||||
Loans |
|
218,807 |
|
65,390 |
|
69,765 |
|
214,432 |
|
3,763 |
| |||||
Other assets |
|
|
|
|
|
|
|
|
|
2,030 |
| |||||
Borrowings |
|
|
|
|
|
|
|
|
|
(75 |
) | |||||
Other liabilities |
|
155 |
|
|
|
155 |
|
|
|
|
| |||||
Kookmin Bank International (London) Ltd. |
||||||||||||||||
Due from banks |
|
1,856 |
|
3,677 |
|
1,169 |
|
4,364 |
|
1 |
| |||||
Loans |
|
146,911 |
|
31,793 |
|
1,006 |
|
177,698 |
|
1,778 |
| |||||
Borrowings |
|
7,670 |
|
22,974 |
|
|
|
30,644 |
|
(117 |
) | |||||
Other liabilities |
|
76 |
|
|
|
76 |
|
|
|
336 |
| |||||
Kookmin Finance H.K. Ltd. |
||||||||||||||||
Due from banks |
|
2,030 |
|
19,626 |
|
|
|
21,656 |
|
6 |
| |||||
Loans |
|
182,052 |
|
42,157 |
|
10,738 |
|
213,471 |
|
3,018 |
| |||||
Borrowings |
|
|
|
18,383 |
|
|
|
18,383 |
|
(103 |
) | |||||
Finance debentures |
|
6,463 |
|
|
|
335 |
|
6,128 |
|
(178 |
) | |||||
Kookmin Bank Leasing & Finance (HK) Ltd. |
||||||||||||||||
Loans |
|
17,440 |
|
|
|
13,242 |
|
4,198 |
|
145 |
|
Account |
Beginning Balance |
Increase |
Decrease |
Ending Balance |
Transactions Relating P/L |
|||||||||||||
Jooeun Leasing Co., Ltd. |
||||||||||||||||||
Loans |
|
163,295 |
|
|
|
|
163,295 |
|
|
|
|
4,521 |
| |||||
(Present value discounts) |
|
(1,212 |
) |
|
|
|
(1,212 |
) |
|
|
|
(1,212 |
) | |||||
Other assets |
|
3,232 |
|
|
|
|
3,232 |
|
|
|
|
920 |
| |||||
Deposits |
|
1,304 |
|
|
|
|
1,304 |
|
|
|
|
5 |
| |||||
Other liabilities |
|
100 |
|
|
|
|
100 |
|
|
|
|
|
| |||||
Acceptances and guarantees |
|
1,396 |
|
|
|
|
1,396 |
|
|
|
|
|
| |||||
Kookmin Investment Trust Mgt. Co., Ltd. |
||||||||||||||||||
Deposits |
|
25,326 |
|
|
|
|
24,265 |
|
|
1,061 |
|
(579 |
) | |||||
KB Real Estate Trust Co., Ltd. |
||||||||||||||||||
Loans |
|
40,000 |
|
|
|
|
8,514 |
|
|
31,486 |
|
2,405 |
| |||||
Deposits |
|
241 |
|
|
|
|
149 |
|
|
92 |
|
(3 |
) | |||||
Other liabilities |
|
1,797 |
|
|
|
|
15 |
|
|
1,782 |
|
|
| |||||
Acceptances and guarantees |
|
53 |
|
|
|
|
|
|
|
53 |
|
|
| |||||
KB Credit Information Co., Ltd. |
||||||||||||||||||
Deposits |
|
7,838 |
|
|
2,077 |
|
|
|
|
9,915 |
|
(521 |
) | |||||
Other liabilities |
|
3,150 |
|
|
838 |
|
247 |
|
|
3,741 |
|
88 |
| |||||
Commissions expenses |
|
|
|
|
|
|
|
|
|
|
|
(17,493 |
) | |||||
|
|
|
|
|
|
|
|
|
|
|
|
| ||||||
(Won) |
1,207,734 |
|
(Won) |
578,437 |
(Won) |
456,020 |
|
(Won) |
1,330,151 |
(Won) |
137,658 |
| ||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
Accounts |
Description |
The Bank of Korea |
Other Banks |
Other Financial Institutions |
Total | |||||||||
Cash and due from banks |
Due from banks in Won |
(Won) |
1,924,221 |
(Won) |
51,249 |
(Won) |
826,923 |
(Won) |
2,802,393 | |||||
Due from banks in foreign currencies |
|
39,136 |
|
242,218 |
|
350 |
|
281,704 | ||||||
|
|
|
|
|
|
|
| |||||||
|
1,963,357 |
|
293,467 |
|
827,273 |
|
3,084,097 | |||||||
|
|
|
|
|
|
|
| |||||||
Loans |
Loans in Won |
|
|
|
24,598 |
|
237,453 |
|
262,051 | |||||
Loans in foreign currencies |
|
|
|
1,082,357 |
|
|
|
1,082,357 | ||||||
Call loans |
|
|
|
642,769 |
|
200,000 |
|
842,769 | ||||||
|
|
|
|
|
|
|
| |||||||
|
|
|
1,749,724 |
|
437,453 |
|
2,187,177 | |||||||
|
|
|
|
|
|
|
| |||||||
Deposits |
Deposits in Won |
|
|
|
734,893 |
|
2,035,073 |
|
2,769,966 | |||||
Deposits in foreign currencies |
|
|
|
|
|
180,000 |
|
180,000 | ||||||
|
|
|
|
|
|
|
| |||||||
|
|
|
734,893 |
|
2,215,073 |
|
2,949,966 | |||||||
|
|
|
|
|
|
|
| |||||||
Borrowings |
Borrowings in Won |
|
1,664,708 |
|
374,236 |
|
586,520 |
|
2,625,464 | |||||
Borrowings in foreign currencies |
|
|
|
2,162,458 |
|
53,526 |
|
2,215,984 | ||||||
Others |
|
49,061 |
|
573,598 |
|
1,058,341 |
|
1,681,000 | ||||||
|
|
|
|
|
|
|
| |||||||
|
1,713,769 |
|
3,110,292 |
|
1,698,387 |
|
6,522,448 | |||||||
|
|
|
|
|
|
|
| |||||||
Debentures |
Debentures in Won |
|
|
|
336,500 |
|
214,900 |
|
551,400 | |||||
Debentures in foreign currencies |
|
|
|
700,537 |
|
245,100 |
|
945,637 | ||||||
|
|
|
|
|
|
|
| |||||||
|
|
|
1,037,037 |
|
460,000 |
|
1,497,037 | |||||||
|
|
|
|
|
|
|
|
Account |
Average Balance |
Interest Income |
Interest Rate (%) | |||||
Due from banks |
(Won) |
1,245,011 |
(Won) |
39,314 |
4.22 | |||
Trading securities |
|
1,656,820 |
|
73,560 |
5.94 | |||
Investment securities |
|
19,861,072 |
|
1,076,831 |
7.25 | |||
Loans |
|
115,471,019 |
|
6,817,728 |
7.89 | |||
|
|
|
|
|||||
(Won) |
138,233,922 |
(Won) |
8,007,433 |
|||||
|
|
|
|
Account |
Average Balance |
Interest Expenses |
Interest Rate (%) | |||||
Deposits |
(Won) |
118,650,854 |
(Won) |
3,581,922 |
4.04 | |||
Borrowings |
|
10,163,467 |
|
306,297 |
4.03 | |||
Debentures |
|
10,981,808 |
|
578,277 |
7.04 | |||
|
|
|
|
|||||
(Won) |
139,796,129 |
(Won) |
4,466,496 |
|||||
|
|
|
|
Guarantee Money trusts |
Performance Money trusts |
Property trusts |
Total |
||||||||||||
Securities |
(Won) |
4,260,875 |
|
(Won) |
11,661,881 |
|
(Won) |
145,013 |
(Won) |
16,067,769 |
| ||||
Loans |
|
186,538 |
|
|
467,291 |
|
|
|
|
653,829 |
| ||||
Receivables |
|
|
|
|
|
|
|
20,076,309 |
|
20,076,309 |
| ||||
Due from banking accounts |
|
136,680 |
|
|
423,309 |
|
|
10,939 |
|
570,928 |
| ||||
Present value discounts |
|
(4,950 |
) |
|
(27 |
) |
|
|
|
(4,977 |
) | ||||
Provision for loan losses |
|
(147,196 |
) |
|
(115,321 |
) |
|
|
|
(262,517 |
) | ||||
Other assets |
|
110,179 |
|
|
279,547 |
|
|
62 |
|
389,788 |
| ||||
|
|
|
|
|
|
|
|
|
|
| |||||
Total assets |
(Won) |
4,542,126 |
|
(Won) |
12,716,680 |
|
(Won) |
20,232,323 |
(Won) |
37,491,129 |
| ||||
|
|
|
|
|
|
|
|
|
|
| |||||
Trusts |
(Won) |
4,157,093 |
|
(Won) |
12,183,629 |
|
(Won) |
20,229,269 |
(Won) |
36,569,991 |
| ||||
Borrowings |
|
72,023 |
|
|
|
|
|
|
|
72,023 |
| ||||
Reserves for future losses |
|
42,360 |
|
|
|
|
|
|
|
42,360 |
| ||||
Other liabilities |
|
270,650 |
|
|
533,051 |
|
|
3,054 |
|
806,755 |
| ||||
|
|
|
|
|
|
|
|
|
|
| |||||
Total liabilities |
(Won) |
4,542,126 |
|
(Won) |
12,716,680 |
|
(Won) |
20,232,323 |
(Won) |
37,491,129 |
| ||||
|
|
|
|
|
|
|
|
|
|
|
Book Value |
Fair Value |
Liable Amount | |||||||
Principal guarantee money trusts |
(Won) |
4,062,908 |
(Won) |
4,063,489 |
(Won) |
| |||
Principal and dividend guarantee money trusts |
|
218,237 |
|
197,386 |
|
20,851 | |||
|
|
|
|
|
| ||||
(Won) |
4,281,145 |
(Won) |
4,260,875 |
(Won) |
20,851 | ||||
|
|
|
|
|
|
Trust Account Related Income |
Trust Account Related Expenses | |||||||
Fees on money trusts |
(Won) |
221,240 |
Interest expense on borrowings from trust accounts |
(Won) |
18,633 | |||
Early withdrawal penalties |
|
231 |
Compensation to trust accounts |
|||||
Interest income on loans to trust accounts |
|
5,081 |
||||||
|
|
|
| |||||
(Won) |
226,552 |
(Won) |
18,633 | |||||
|
|
|
|
Retail Banking |
Business Banking |
Treasury and Investment
Management |
Credit Card
|
Others |
Total | |||||||||||||
Loans |
(Won) |
68,676,406 |
(Won) |
41,838,678 |
(Won) |
4,985,612 |
(Won) |
5,797,964 |
(Won) |
52,286 |
(Won) |
121,350,946 | ||||||
Securities |
|
|
|
|
|
30,693,632 |
|
|
|
|
|
30,693,632 | ||||||
Fixed assets |
|
1,871,300 |
|
409,603 |
|
150,604 |
|
286,328 |
|
318,512 |
|
3,036,347 | ||||||
Other assets |
|
4,387,618 |
|
309,634 |
|
6,423,143 |
|
214,941 |
|
1,072,917 |
|
12,408,253 | ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
Total assets |
(Won) |
74,935,324 |
(Won) |
42,557,915 |
(Won) |
42,252,991 |
(Won) |
6,299,233 |
(Won) |
1,443,715 |
(Won) |
167,489,178 | ||||||
|
|
|
|
|
|
|
|
|
|
|
| |||||||
Operating Revenue |
(Won) |
4,029,022 |
(Won) |
2,194,237 |
(Won) |
3,679,288 |
(Won) |
897,485 |
(Won) |
802,323 |
(Won) |
11,602,355 | ||||||
|
|
|
|
|
|
|
|
|
|
|
|
Domestic |
Overseas |
Total | |||||||
Loans |
(Won) |
120,278,766 |
(Won) |
1,072,180 |
(Won) |
121,350,946 | |||
Securities |
|
30,596,308 |
|
97,324 |
|
30,693,632 | |||
Fixed assets |
|
3,033,099 |
|
3,248 |
|
3,036,347 | |||
Other assets |
|
12,374,961 |
|
33,292 |
|
12,408,253 | |||
|
|
|
|
|
| ||||
Total assets |
(Won) |
166,283,134 |
(Won) |
1,206,044 |
(Won) |
167,489,178 | |||
|
|
|
|
|
| ||||
Operating Revenue |
(Won) |
11,557,572 |
(Won) |
44,783 |
(Won) |
11,602,355 | |||
|
|
|
|
|
|