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Form 6-K Current Reports

2003 Third Quarter Earnings Conference

2003-10-21

Kookmin Bank invites you to attend our 2003 Third Quarter Earnings Conference on Friday, October 24, 2003 as follows.

The conference will be webcasted live throughout the world on our IR website at www.kbstar.com.

Investors are encouraged to participate by telephone during the Q&A session following the presentation.

Date: October 24, 2003 (Friday)

Time: 16:00 Seoul / 08:00 London / 03:00 New York / 15:00 Hong Kong & Singapore

Venue: International Conference Room, Ground Floor, KSE, Youido, Seoul, Korea

Language: Korean and English. Simultaneous translation will be available for the English-speaking participants.

Web Casting will be in Korean and English at www.kbstar.com.

Agenda: 3rd Quarter Earnings Results and Q&A.

For Q&A via Telephone

From overseas: 82-31-500-0501 or 82-2-6677-2256

From Korea: 1566-2256 or 02-6677-2256 or 031-500-0501

Pass code: 6412

Q&A code: 14

Recording Service for Telephonic Conference Call

Listening Order

1. From overseas: 82-31-500-0401

From Korea: 031-500-0401

2. Press listening code: 5633#

Press Button Instructions

1 min. F.F. : 1

5 mins. F.F. : 7

1 min. REW : 3

5 mins. REW : 9

Pause : 5

To Cancel Pause : 5