KEB IR Team. Contents
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1 Contents Disclaimer The information contained in this presentation material has not yet been audited by a third-party independent auditor and is subject to change during the accountig audit of KEB. Since 1Q11, financial statements have been prepared using K-IFRS. KEB IR Team kebir@keb.co.kr
2 Total Assets 112, , , , , , , ,528.8 Deposit 71, , , , , , , ,429.6 Loans & Discounts 68, , , , , , , ,979.6 Paid-in-Capital 3, , , , , , , ,224.5 Shareholders' Equity 7, , , , , , , ,706.4 Income Before Provision , , , , , ,782.4 Net Income (Cumulative) , , , , % 15.00% 15.63% 15.24% 14.95% 14.41% 13.98% 14.61% Tier 1 Ratio 12.02% 12.01% 12.58% 12.15% 11.52% 11.91% 11.61% 12.09% ROA (Cumulative) 1.31% 1.08% 1.10% 1.03% 0.87% 2.53% 1.82% 1.53% ROE (Cumulative) 16.30% 13.41% 13.62% 12.57% 10.40% 29.52% 22.17% 18.77% NIM (Cumulative) - Bank 2.83% 2.72% 2.64% 2.69% 2.63% 2.67% 2.66% 2.62% NPL Ratio - Bank 1.12% 1.31% 1.44% 1.34% 1.44% 1.36% 1.29% 1.18% Ratio - Bank 1.08% 0.70% 0.92% 0.47% 1.08% 0.67% 0.68% 0.59% 2/17
3 Profitability Total Income Operating Income Impairment Loss, etc. (-) , Income before Provision , (-) Loan Loss Provisioning (-) Income before tax , Income tax expenses (-) Net Income , /17
4 Interest Revenue 1, , , , , , , ,138.3 Interest from Due from Banks Interest from Securities Interest from Loans ,003.2 Others Interest Expenses Interest on Deposits Interest on Borrowings Interest on Debentures Others Insurance Expense for Depo Other Interest Income * NII Figures after 1Q11 based on K-IFRS Net Interest Margin (Quarterly) Average Interest Earning Asset 78, , , , , , , ,134.5 Interest Revenue 1, , ,033.4 Interest Expenses NIM 2.83% 2.60% 2.50% 2.82% 2.63% 2.72% 2.63% 2.52% NIM in KRW 3.29% 3.09% 2.98% 3.39% 3.13% 3.26% 3.22% 3.09% NIM in Foreign currency 1.38% 1.17% 1.08% 1.13% 1.06% 0.95% 0.90% 0.84% Net Interest Margin (Cumulative) Average Interest Earning Asset 78, , , , , , , ,057.0 Interest Revenue 1, , , , , , ,957.0 Interest Expenses , , , , ,860.1 NIM 2.83% 2.72% 2.64% 2.69% 2.63% 2.67% 2.66% 2.62% NIM in KRW 3.29% 3.20% 3.12% 3.19% 3.13% 3.19% 3.20% 3.17% NIM in Foreign currency 1.38% 1.27% 1.20% 1.18% 1.06% 1.00% 0.97% 0.93% * NIM Figures after 1Q11 based on K-IFRS (Separate) 4/17
5 Total Gains from FX Transaction KRW Currency related Foreign Currency related Credit Card related Guarantee Fees & others /17
6 Operating Trust Account Merchant Account Trading Profit Subsidiaries Others NPL Sale Total /17
7 (KRW billion) 1Q10 2Q10 3Q10 4Q'10 1Q11 2Q11 3Q11 4Q11 Salaries & Benefits G&A Expenses Depreciation Tax & Dues Total /17
8 Loan Loss Reserve (Bank Account) (KRW billion) 1Q10 2Q10 3Q10 4Q'10 1Q11 2Q11 3Q11 4Q11 Beginning LLR 1, , , , Additional Provisioning Write-off Reversals & Others Net LLR Ending LLR* 1, , , , NPL coverage Ratio 137.6% 126.5% 116.7% 124.8% 123.3% 131.4% 136.7% 140.6% * Reserves on credits subjected to "asset quality classification report to FSS Provisions (Bank Account) (KRW billion) 1Q10 2Q10 3Q10 4Q'10 1Q11 2Q11 3Q11 4Q11 Loan loss provisioning Bank Card Additional Other Provisioni Retirement Allowance Total (Separate) 8/17
9 Cash & Due from Banks 7, , , , , , , ,397.5 Securities 13, , , , , , , ,099.6 Loans & Discounts 64, , , , , , , ,979.6 Credit Card Receivable 2, , , , , , , ,495.7 Other Assets 12, , , , , , , ,699.6 Merchant Banking Accounts 1, , , , , , ,352.5 Total Assets 99, , , , , , , ,528.8 Deposit 59, , , , , , , ,429.6 Borrowings 8, , , , , , , ,330.2 Debentures 7, , , , , , , ,460.0 Other liabilities 14, , , , , , , ,849.4 Merchant Banking Accounts 1, , , , , , Shareholders' Equity 7, , , , , , , ,706.4 Total Liabilities & Equities 99, , , , , , , , /17
10 Deposits Total Deposits 59, , , , , , , ,429.6 KRW Deposits+CD 46, , , , , , , ,210.7 KRW Demand Deposits 14, , , , , , , ,016.9 Regular Deposits 1, , , , , , , ,254.5 Savings Deposits 5, , , , , , , ,865.0 Corporate Free Savings Deposits 6, , , , , , , ,828.5 Others 1, , , , , , ,068.9 KRW Time & Installment Deposit 26, , , , , , , ,168.1 KRW CD 4, , , , FC Deposits + FC CD 13, , , , , , , ,130.1 FC Demand Deposits 6, , , , , , , ,764.2 FC Time & Installment Deposits 6, , , , , , , ,111.5 FC CD /17
11 Loans in KRW (Bank Account) Total Loans(a) 64, , , , , , , ,979.6 KRW Loans(b) 44, , , , , , , ,845.1 Household Loans 17, , , , , , , ,708.7 SMEs 17, , , , , , , ,913.7 Large Corporations 6, , , , , , , ,327.3 Credit Card Receivables 2, , , , , , , ,495.7 Public & Others % of KRW Loans(b/a) 69.1% 70.9% 72.8% 71.6% 67.1% 71.5% 66.3% 67.4% SME Loans in KRW (Bank Account) Manufacturing 7, , , , , , , ,880.2 Construction 1, , , , , , ,019.5 Wholesale / Retail 2, , , , , , , ,964.4 Transportation Food & Lodging Real Estate / Rental 3, , , , , , , ,215.7 Others 2, , , , , , , ,020.5 Total 17, , , , , , , , /17
12 Normal 67, , , , , , , ,292.3 Precautionary , , , , , , Substandard Doubtful Estimated Loss Total Credits 68, , , , , , , ,108.1 NPLs (Substandard & Below Loans) , , Home NPL Ratio 1.12% 1.31% 1.44% 1.34% 1.44% 1.36% 1.29% 1.18% Precautionary & Below Loans 1, , , , , , , ,815.7 Precautionary & Below Ratio 2.41% 3.05% 3.21% 3.21% 3.32% 2.92% 2.83% 2.48% Loan Loss Reserve for NPL 1, , , , , , , ,217.3 NPL Coverage Ratio % % % % % % % % Precautionary & Below Coverage Ratio 64.12% 54.17% 52.28% 52.01% 53.60% 61.14% 62.12% 67.04% (Separate) NPL Sales & Write-off 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 NPL Sales Large Corp SMEs House Hold Credit Card NPL Write-off Large Corp SMEs House Hold Card Total /17
13 Total 1.08% 0.70% 0.92% 0.47% 1.08% 0.67% 0.68% 0.59% Delinquent Amount Receivables 60, , , , , , , ,085.1 Subtotal (Excluding Card) 1.06% 0.66% 0.90% 0.43% 1.06% 0.63% 0.63% 0.53% Delinquent Amount Receivables 58, , , , , , , ,521.6 Corporate 1.42% 0.87% 1.10% 0.43% 1.37% 0.75% 0.76% 0.62% Delinquent Amount Receivables 40, , , , , , , ,767.1 Large & Public 1.63% 0.33% 0.46% 0.11% 1.09% 0.12% 0.25% 0.31% Delinquent Amount Receivables 18, , , , , , , ,810.3 SMEs 1.24% 1.32% 1.63% 0.70% 1.62% 1.34% 1.35% 0.98% Delinquent Amount Receivables 21, , , , , , , ,956.7 Household 0.24% 0.20% 0.46% 0.43% 0.46% 0.40% 0.37% 0.34% Delinquent Amount Receivables 17, , , , , , , ,754.6 Card (Reported) 1.63% 1.60% 1.63% 1.45% 1.44% 1.55% 1.77% 1.96% Delinquent Amount Receivables 2, , , , , , , ,563.5 (Separate) 13/17
14 Basel II RWA(FIRB) 57, , , , , , , ,461.9 Credit 51, , , , , , , ,392.1 Market 1, , , , , , , Op 4, , , , , , , ,231.8 BIS Capital 9, , , , , , , ,685.3 Tier 1 6, , , , , , , ,190.6 Capital 3, , , , , , , ,224.5 Capital Surplus Retained Earnings 3, , , , , , , ,793.3 Other Hybrid Debentures Deduction Items 1 (-) , Goodwill (-) Other Intangible Assets (-) Accrued Dividend Deferred Income Tax Assets (-) Other Deduction Items 2 (-) Tier 2 2, , , , , , , , % of Evaluation Gain on Investment Secur LLP for Normal & Precautionary Assets Subordinated Debts 1, Deduction Items 2 (-) % 15.00% 15.63% 15.24% 14.95% 14.41% 13.98% 14.61% Tier 1 Ratio 12.02% 12.01% 12.58% 12.15% 11.52% 11.91% 11.61% 12.09% Tier 2 Ratio 4.00% 2.99% 3.05% 3.09% 3.43% 2.50% 2.37% 2.51% 14/17
15 FX Market FX (USD billion) 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 Quarterly Market Share 43.4% 45.7% 46.4% 48.6% 50.7% 45.3% 47.1% 44.8% Cumulative Market Share 43.4% 44.7% 45.3% 46.5% 50.7% 47.9% 47.6% 46.9% Exports 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 Quarterly Market Share 30.7% 29.9% 32.3% 31.9% 30.7% 33.2% 34.9% 33.3% Cumulative Market Share 30.7% 30.3% 31.0% 31.4% 30.7% 32.1% 33.2% 33.3% Imports 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 Quarterly Market Share 28.9% 26.9% 27.9% 29.5% 28.9% 29.8% 29.7% 31.7% Cumulative Market Share 28.9% 27.8% 27.8% 28.3% 28.9% 29.3% 29.5% 30.0% 15/17
16 Number of Shares Share Hana Financial Group Inc. 369,357, % BOK 39,500, % Public 236,049, % Total 644,906, % * as of Feb. 9th, 2012 Employees 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 Directors Managers 3,744 3,723 3,810 3,791 3,898 3,852 3,923 3,892 Staffs 1,755 1,770 1,668 1,766 1,634 1,622 1,639 1,638 Support Staffs Total Employees 5,852 5,852 5,830 5,926 5,885 5,853 5,920 5,601 Branches 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 Branches Sub branches Domestic Branches Sub branches Subsidiaries Overseas Total /17
17 Credit Card Sales (Managed Basis, Cumulative) Lump-Sum 2, , , , , , , ,556.9 Installment , , , , , ,131.5 Cash Advance , , , , , ,558.4 Total 3, , , , , , , ,246.7 Balances by Product Lump-Sum Installment Cash Advance Revolving Card Loans Other Processing Total 2, , , , , , , ,563.2 Card Delinquencies (Managed, Billed) Under 1 Month Over 1 Month Total Receivables 2, , , , , , , ,563.2 Over 1 Month Delinquent 1.63% 1.60% 1.63% 1.45% 1.44% 1.55% 1.77% 1.96% 17/17
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