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Form 6-K Current Reports

2006 3rd Quarter Operating Results

2006-10-30
On October 30, 2006, Kookmin Bank held an earnings conference and released its operating results for the third quarter of 2006. The following tables reflect the key figures released during the conference, and full presentation material is available at the Kookmin Bank website (www.kbstar.com) for further information.

 

The figures for the third quarter of the fiscal year 2006 presented herein are currently being reviewed by our independent auditor, and such figures are subject to change.

Selected Financial Data

1. Balance sheet figures

Balance sheet figures
(Won in trillions) As of the date indicated
September 30, 2006 December 31, 2005 % Change (YTD)
Total Assets
   Loans in Won * 		198.2 /129.5 179.6
122.3		 10.4
5.9
Total Liabilities
   Deposits in Won		 183.6
134.5		 167.2
131.6		 9.8
2.2
Shareholders’ Equity 14.6 12.4 17.7

* Including Private Placement Bonds

2. Operating results

Operating results
(Won in billions) For the nine-month period ended
September 30, 2006 September 30, 2005 % Change (YoY)
Operating Income 2,759.2 2,375.0 16.2
Non-Operating Income 354.6 227.9 55.6
Net Income 2,258.1 1,828.5 23.5

3. Asset Quality

Asset Quality
(Won in billions) As of the date indicated
September 30, 2006 December 31, 2005 % Change (YTD)
Total Loans for NPL Management 148,153.3 137,521.5 7.7
Substandard & Below Loan 1,963.3 2,338.0 -16.0
Loan Loss Reserves 2,195.4 2,468.4 -11.1
NPL Ratio 1.33% 1.70% -0.37%p
NPL Coverage Ratio 111.8% 105.6% 6.2%p
Delinquency Ratio * 1.28% 1.70% -0.42%p

* Applying the Financial Supervisory Service Standards

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