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2011
1. 1 25. 38
2. 3 26. 47
3. 3 27. 55
4. 4 28. 57
5. 5 29. 60
6. 6 7. 6 30. 62
8. 8 31. 65
9. 9 32. 66
10. 9 33. 68
11. 9 34. 69
12. 10 35. 69
36. 69 13. 11 37. 70
. 11 38. 80
. 12 39. 86
. 13 40. 87
. 14 41. 91
. 14 42. 91
. 17 43. 92
. 17 44. 98
14. 18 45. 103
15. () 19 16. 20 46. ~ 51. ( ) 109
52. ~ 57. ( ) 109 17. () 21 18. 22 58. 110
19. 24 59. 111
20. 25 60. () 112
21. 26 61. 113
22. , , 28 62. 115
23. 29 63. 116
24. 31
41 .
.
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2011 | 1
1.
KB
.
,
,
.
KB ,
2
.
, . , 200
, KB
200 .
(NCSI) 6 1, (KCSI) 5 1 KB .
!
2012
. ,
.
KB 2011
, 2012
4 .
, .
Clean ,
. , .
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2011 | 2
, .
, , .
, .
,
.
, .
,
.
4 ()
,
.
.
,
.
.
2012 3 30
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2011 | 3
2.
3.
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2011 | 4
4.
2001.11.01 ( : )
2001.11.09
2002.12.04 ING
2003.09.30
2003.12.16 Sorak Financial Holdings Pte.Ltd.() BII
2003.12.19
2003.12.19 ( ING Bank N.V. Amsterdam)
2004.04.29 KB
2004.06.02 KB
2004.08.31 ING KB
2004.12.31 (ING Bank N.V. Amsterdam Euro-Pacific Growth Fund)
2005.01.01 3 (,,)
2005.03.21 (Euro-Pacific Growth Fund ING Bank N.V. Amsterdam)
2005.06.16 27,423,761 DR
2005.07.26
2005.10.10 (ING Bank N.V. Amsterdam Euro-Pacific Growth Fund)
2006.02.02 ' BIS '
2007.04.27
2007.11.14 ( 95.8%)
2007.12.31
2008.02.20 (Euro-Pacific Growth Fund )
2008.03.11 KB
2008.03.14 JSC Bank CenterCredit
2008.03.20
2008.06.27 KB()
2008.08.07 ING MOU
2008.08.27 JSC Bank CenterCredit 23%
2008.09.29 KB , ( KB)
2008.09.30 Sorak Financial Holdings Pte.Ltd.()
2008.10.27
2008.12.04 JSC Bank CenterCredit 7.5%
2008.12.05
2008.12.17 (NCSI) 3 1 ()
-
2011 | 5
2009.05.04 Kookmin Bank Cambodia PLC.(KB) 51%
2009.05.14 10
2009.06.22 KB KB
2009.09.25 International Finance Corporation JSC Bank CenterCredit
2009.11.04 IT 'ISO/IEC 27001' ( )
2009.12.16 (NCSI) 4 1 ()
2009.12.17 'KB()'
2010.02.16 'MyStar'
2010.02.24 JSC Bank CenterCredit 42% ( , 29.56%)
2010.07.06
2010.07.29 4
2010.12.15 (NCSI) 5 1 ()
2011.01.20 'star Zone'
2011.02.28
2011.06.24
2011.10.21
2011.11.21
2011.12.20 (NCSI) 6 1 ()
-
2011 | 6
5. .
.
( : )
1,1081) 57 - 1,165
72) - 2 9
1,115 57 2 1,174 1) 1 2)
.
( : )
2011 2010
C D - -
A T M 9,513 9,338
- -
Paywell : 1,749 : 692 Paywell : 1,722
: 672
11,954 11,732
-
2011 | 7
6. ( : )
2011 2010
3 - 3 3 - 3
5 - 5 5 - 5
1 - 1 1 - 1
56 - 56 60 - 60
11,228 50 11,278 11,617 30 11,647
4,724 77 4,801 4,905 62 4,967
- 1 1 - 1 1
16,017 128 16,145 16,591 93 16,684
)
7. (2012. 2. 29 )
- -
- -
- -
- -
- -
- -
- - -
- - SC
KB (CFO)
- -
) 2012.3.23.
-
2011 | 8
8. .
()
Kookmin Bank Hong Kong Ltd. 1995.7.20 USD 20 2,000,000 100.00%
Kookmin Bank Int'l Ltd. (London) 1991.11.2 USD 30 20,000,000 100.00%
Kookmin Bank Cambodia PLC.
2008.7.1 (2009.5.4) USD 16 170,202 53.19%
SPE (7)
(), KB Mortgage Loan No. 1 Limited, , , (), KB Covered Bond First International Limited,
(22)
KB26(), KB28(), 3-23[], 25, 47(), KDB3[], PCAA-10[], NH-CA3-4(), KB39(), 3(), Tomorrow7(),
HighPlusN-20(), 25(), H-1(), 87, KB46(), KDB8(), 45(), 5(), 6-11(), Tomorrow9(), 26()
(2) ,
. 1)
()
JSC Bank CenterCredit2)
1988.9.19 (2008.8.27)
KZT 69,797
84,584,715 41.93%
2009.10.1 2,430 85,050 17.50%
1) 15% 2) JSC Bank CenterCredit(BCC) 2011 BCC .
, 29.56%
-
2011 | 9
9.
. ( : )
()
2009.03.27 60,000,000 3,000 24,819
2011.03.02 (92,000,000) (4,600) 20,219
) 3
.
( : , %)
(3) 2011.03.24 2016.12.24 5,000 4.80 AA+
(3) 2011.11.24 2017.08.24 5,000 4.27 AA+
. :
10.
() (%)
KB 404,379,116 100.00
11.
.
(%) (%)
- - - - - - - - - - - - - - - -
- - - - 1 100.00 404,379,116 100.00
- - - - - - - -
1 100.00 404,379,116 100.00
-
2011 | 10
.
(%) (%)
1 1 100.00 404,379,116 100.00 5 - 1 - - - - 1 - 5 - - - - 5 - 1 - - - - 1 - 5 - - - - 5 - 1 - - - - 1 - 5 - - - -
1 - - - -
1 100.00 404,379,116 100.00
12.
( : %, )
2011 2010
32.54 -
1,627 -
4,788 23
32.76 -
1) , : 2011 K-IFRS , 2010 K-GAAP
2) 2011 : 37.26% 3) () : 6.46% ( : 2009.3.31 / : 1 / 2011.4
0.4 , 2011.12 )
-
2011 | 11
13.
.
( : , %, %p)
2011 2010
(A) 41,908 32,004 9,904
(B) 16,439 33,030 -16,591
14,079 27,264 -13,185
147 971 -824
1,875 1,630 245
97 345 -248
241 2,820 -2,579
(C) 1,693 198 1,495
- - -
1,238 12 1,226
48 - 48
407 186 221
(D) 7,076 -940 8,016
(A-B+C-D) 20,086 112 19,974
() 2,426 - 2,426
17,660 112 17,548
(ROA) 0.69 0.004 0.69
(ROE) 9.76 0.06 9.70
(A-B) 2.94 3.37 -0.43
(A) 5.85 6.27 -0.42
(B) 2.91 2.90 0.01
(NIM) 2.50 2.77 -0.27
1) 2011 K-IFRS , 2010 K-GAAP 2) 2011 ,
()
2) ROA, ROE : 2011 1
-
2011 | 12
.
( : )
2011 2010
2.6 1.8 0.8
126.8 105.4 21.4
124.6 103.9 20.7
117.1 99.5 17.6
112.2 96.2 16.0
1
() 15,966 17,928 -1,962
1,801 1,668 133
1,770 1,644 126
1,664 1,575 89
1,594 1,523 71
1
() 1,124 1,132 -8
1) 2011 K-IFRS , 2010 K-GAAP 2
-
2011 | 13
. 1) ( : , %, %p)
2011 2010
2,022,457 2,045,170 -22,713
992,480 931,797 60,683
1,029,977 981,169 48,808
2) - 132,204 -
28,945 36,567 -7,622
1.43 1.79 -0.36 20,377 27,285 -6,908
2.05 2.93 -0.88
8,568 8,440 128
0.83 0.86 -0.03 842
2) - 0.64
-
22,465 25,915 -3,450
1.11 1.27 -0.16 14,685 17,379 -2,694
1.48 1.87 -0.39
7,780 7,788 -8
0.76 0.79 -0.03 748
2) - 0.57
-
(A/B) 158.94 119.87 39.07
(A) 46,004 43,833 2,171
(B) 28,945 36,567 -7,622
0.87 1.00 -0.13 () 1.12 1.28 -0.16 4) 0.88 1.00 -0.12 () 1.39 1.51 -0.12
4) 0.89 0.94 -0.05 () 0.98 1.00 -0.02
2) 1.02
3)
() -
1.33 -
1) 2011 K-IFRS , 2010 K-GAAP
2) 2011 1 (: 2011.2.28) KB
3) 1
4) / .
/ 2011 0.84% / 0.89%, 2010 1.07% / 0.94%.
-
2011 | 14
. ( : %, %p)
2011 2010
119.16 126.13 -6.97
114.82 107.07 7.75
105.24 95.24 10.00
18.51 18.43 0.08
) 2011 K-IFRS , 2010 K-GAAP
. (1) B/S
( : )
2011 2010
20,219 24,819
- -
42,851 62,676
123,599 89,664
3,415 16,448
190,084 193,607
) 2011 K-IFRS , 2010 K-GAAP (2) BIS
( : , %, %p)
2011 2010
BIS (A) 196,684 208,006 -11,322
(B) 1,451,850 1,548,055 -96,205
()2) 1,328,295 1,407,426 -79,131
()2) 21,926 18,075 3,851
()2) 101,629 122,554 -20,925
BIS(A/B) 13.55 13.44 0.11
10.30 10.89 -0.59
3.25 2.55 0.7
- - -
1) 2011 K-IFRS , 2010 K-GAAP 2) ( ) BASEL II
-
2011 | 15
(3) BIS ( : )
2011 2010
(A+B+C) 196,684 208,006 -11,322
(A) 149,536 168,651 -19,115
20,219 24,819 - 4,600
50,428 60,903 -10,475
92,003 90,468 1,535
1,000 11,000 -10,000
81 79 2
- - -
-14,195 -18,618 4,423
(B) 47,148 39,355 7,793
1,772 1,772 -
45% 656 1,557 -901
30,793 37,929 -7,136
17,101 13,832 3,269
-3,174 -15,735 12,561
(C) - - -
) 2011 K-IFRS , 2010 K-GAAP
-
2011 | 16
(4) ( : )
2011 2010
(A) () 2) 2,922,862 1,328,295 3,105,425 1,407,426
215,924 76 220,998 243
103,498 27,340 114,007 27,581
980,091 775,103 879,172 746,500
441,311 280,021 353,033 244,262
477,130 431,599 443,112 406,850
61,650 63,483 83,027 95,388
1,350,416 336,058 1,612,809 439,335
688,856 97,460 636,168 99,363
- - 292,526 68,147
661,560 238,598 684,115 271,825
497,491 187,995 524,945 216,198
164,069 50,603 159,170 55,627
18,737 50,340 19,092 45,859
14,908 26,972 23,802 22,056
14,155 2,599 12,432 3,087
17,314 18,878 19,924 18,343
207,819 90,929 203,189 104,422
(B) () 2) - 21,926 - 18,075
(C) () 2) - 101,629 - 122,554
(A+B+C) 2,922,862 1,451,850 3,105,425 1,548,055
1) 2011 K-IFRS , 2010 K-GAAP 2) ( ) BASEL II
(5) ( : , %)
2011 2010
(A) 2,592,883 2,578,603
(B) 116,401 94,110
(B/A) 4.49 3.65
) 1 5% , . .
-
2011 | 17
. ( : )
2011 2010
1,930,697 1,805,136 125,561
1,928,541 1,802,745 125,796
2,156 2,391 -235
444,013 440,938 3,075
365,723 385,870 -20,147
78,290 55,068 23,222
2,022,457 2,045,170 -22,713
2,020,196 2,041,780 -21,584
2,261 3,390 -1,129
2,106,929 1,960,440 146,489
1,924,964 1,825,189 99,775
181,965 135,251 46,714
2,726,139 2,683,142 42,997
2,577,286 2,548,618 28,668
201,660 168,078 33,582
( ) -52,807 -33,554 -19,253
1) : 2011 K-IFRS , 2010 K-GAAP 2) : , , , , ,
, , 3) : , , , : , CP, , 4) : : , , , 5) : , ( ), , 6) : + -
.
(2012. 2. 29 )
Moodys S & P Fitch 3
2010.08.02 A1 P-1 A A-1 A F1
2010.04.14 A1 P-1 A A-1 A+ F1
2009.02.09 A2 P-1 A A-1 A+ F1
-
2011 | 18
14.
. ()
11 : 2011 12 31 10 : 2010 12 31
( : )
11 10 11 10
28,761 14,990 192,496,427 182,502,551 14,849,430 11,415,901 1,836,441 2,187,634 18,553,045 18,377,676 618,376 866,084 10,337,747 9,272,225 - 10,254,962
238,720,227 234,892,023 2,021,896 2,481,896 - 1,000,000 4,285,131 6,267,577 341,493 747,815 12,359,878 10,397,450 - 17,202
8,610,497
2,371,583
2,247,152
199,280,046
33,272,763
956,510
3,398,314
9,931
7,581,829
5,854,409
961,890
2,593,144
184,843,009
36,786,369
818,535
3,468,714
12,828,056
7,649,837
19,008,398 20,911,940 257,728,625 255,803,963 257,728,625 255,803,963
) 11 10 : K-IFRS . ()
11 : 2011 11 2011 12 31 10 : 2010 11 2010 12 31
( : )
11 10 11 10
6,000,601 5,145,059 -59,941 -238,983
1,384,946 1,013,206 2,555,746 -1,035,532
937,953 714,660 -668,446 365,100
-1,292,185 -2,742,775 1,887,300 -670,432
-3,364,639 -3,946,546 121,279 764,350
-1,050,989 -980,153 2,008,579 93,918
2,615,687 -796,549 -423,524 105,326
1,585,055 199,244
) 11 10 : K-IFRS
-
2011 | 19
15. () ( : , %)
2011 2010
1,755,467 69.86 51,581 2.94 1,572,732 61.34 45,030 2.86 CD 17,459 0.69 680 3.90 113,980 4.45 4,521 3.97
38,258 1.52 1,033 2.70 35,490 1.38 918 2.59 15,317 0.61 457 2.98 5,604 0.22 122 2.18
200,345 7.97 10,242 5.11 341,031 13.30 17,763 5.21
2,026,846 80.65 63,993 3.16 2,068,837 80.69 68,354 3.30 34,289 1.36 222 0.65 32,385 1.26 234 0.72 75,311 3.00 638 0.85 62,665 2.44 622 0.99 8,050 0.32 70 0.87 10,937 0.43 62 0.57
34,447 1.37 1,834 5.32 40,725 1.59 1,819 4.47 1,100 0.04 - - 1,254 0.05 - -
153,197 6.09 2,764 1.80 147,966 5.77 2,737 1.85 2,180,043 86.74 66,757 3.06 2,216,803 86.46 71,091 3.21
199,859 7.95 - - 201,007 7.84 - - 9,439 0.38 - - 9,689 0.38 - -
123,492 4.93 - - 136,416 5.32 - -
332,790 13.26 - - 347,112 13.54 - - 2,512,833 100.00 66,757 2.66 2,563,915 100.00 71,091 2.77
8,172 0.33 250 3.06 4,609 0.18 114 2.48 363,390 14.46 15,844 4.36 386,913 15.09 17,110 4.42 1,788,675 71.18 100,529 5.62 1,720,895 67.12 91,189 5.30
() 1,002,908 39.91 56,959 5.68 967,726 37.74 50,733 5.24 () 785,767 31.27 43,570 5.54 753,169 29.38 40,456 5.37
1,402 0.06 4 0.32 1,618 0.06 12 0.75 11,935 0.47 383 3.21 12,964 0.51 283 2.18 14,120 0.56 804 5.70 26,904 1.05 1,441 5.36
20,526 0.82 3,752 18.28 119,243 4.65 22,876 19.18 () 4,813 0.19 761 15.82 27,626 1.08 4,743 17.17
15,330 0.61 1,429 9.31 21,035 0.81 1,239 5.89 ( ) -32,930 -1.31 - - -41,302 -1.61 - -
2,190,620 87.18 122,995 5.61 2,252,879 87.86 134,264 5.96 6,681 0.27 137 2.05 4,730 0.18 55 1.16 14,096 0.56 284 2.02 18,852 0.74 452 2.40 93,453 3.72 1,927 2.06 83,735 3.27 2,110 2.52
12,799 0.51 99 0.78 10,750 0.42 54 0.50 24,303 0.97 504 2.08 21,786 0.85 573 2.63
2 0.00 7 - 12 0.00 5 -( -2,035 -0.08 - - -1,622 -0.06 - -
149,299 5.95 2,958 1.98 138,243 5.40 3,249 2.35 2,339,919 93.13 125,953 5.38 2,391,122 93.26 137,513 5.75
15,068 0.60 - - 13,355 0.52 - - 31,132 1.24 - - 32,532 1.27 - -
126,714 5.03 - - 126,906 4.95 - -
172,914 6.87 - - 172,793 6.74 - - 2,512,833 100.00 125,953 5.01 2,563,915 100.00 137,513 5.36
1) 2011 K-IFRS , 2010 K-GAAP 2) , , 3) , , , 4)
-
2011 | 20
16. ( : )
2011 2010 123,934 115,319 8,615 387 169 218
13,950 14,963 -1,013 108,569 99,804 8,765
1,028 383 645 63,311 63,354 -43 49,806 47,407 2,399 2,680 2,358 322 10,083 13,199 -3,116
742 390 352
60,623 51,965 8,658 14,098 10,466 3,632 1,744 1,768 -24
12,354 8,698 3,656 1,493 1,308 185 2 2 -
( ) - - -
1,495 1,310 185
79,188 80,867 -1,679 7,285 3,158 4,127
15,537 19,337 -3,800 1,238 202 1,036
54,096 57,766 -3,670
1,032 404 628 93,857 112,388 -18,531 3,025 1,060 1,965
22,029 24,040 -2,011 3,313 3,245 68 14,069 25,675 -11,606
139 971 -832 45,165 51,937 -6,772
6,117 5,460 657
-14,669 -31,521 16,852 59,803 30,452 29,351
( ) 33,646 38,331 -4,685 26,157 -7,879 34,036
652 1,186 -534 ( ) 1,252 3,065 -1,813
25,557 -9,758 35,315 ( ) 6,684 -3,111 9,795
18,873 -6,647 25,520 1,213 6,759 -5,546 20,086 112 19,974
( ) 17,660 112 17,548 1) 2011 K-IFRS , 2010 K-GAAP 2) 3) :
-
2011 | 21
17. () ( : , %)
2011 2010
86,105 3.34 62,319 2.45 366,009 14.20 385,870 15.14 1,992,800 77.33 1,961,789 76.97
( ) -30,608 -1.19 -41,745 -1.64 ( ) - - -528 -0.02 1,830,054 71.01 1,720,003 67.49 97,931 3.80 80,894 3.17 1,045 0.04 217 0.01 27,205 1.06 22,161 0.87 556 0.02 1,849 0.07 - - 124,177 4.87 18,000 0.70 19,300 0.76 35,845 1.39 11,480 0.45 8,771 0.34 21,898 0.86 4,001 0.16 2,083 0.08
30,907 1.20 31,990 1.26
101,465 3.93 106,650 4.18 2,577,286 100.00 2,548,618 100.00
1,925,252 74.70 1,825,189 71.61 1,866,645 72.43 1,773,692 69.59 42,880 1.66 27,878 1.09 288 0.01 150 0.01 CD 15,442 0.60 23,469 0.92 -3 0.00 0 0.00
148,495 5.76 114,088 4.48 37,789 1.47 37,333 1.46 91,177 3.54 63,192 2.49 11,428 0.44 8,095 0.32 - - - - - - 756 0.03 - - - - 8,101 0.31 4,712 0.18 - - - -
185,530 7.20 287,510 11.28 127,925 4.97 128,223 5.03
2,387,202 92.63 2,355,010 92.40 20,219 0.78 24,819 0.97 - - - - 42,851 1.66 62,676 2.46 - - - - 3,415 0.13 16,449 0.65 123,599 4.80 89,664 3.52
190,084 7.37 193,608 7.60
2,577,286 100.00 2,548,618 100.00
1) 2011 K-IFRS , 2010 K-GAAP 2) : , , , ,
-
2011 | 22
18.
. ( : , %)
2011 2010
1,830,054 94.79 1,788,655 94.79 1,720,003 94.86 1,720,837 95.29
97,931 5.07 93,453 5.07 80,893 4.96 83,735 4.48
556 0.03 1,402 0.03 1,849 0.07 1,618 0.10
1,928,541 99.89 1,883,510 99.89 1,802,745 99.89 1,806,190 99.87
2,156 0.11 2,070 0.11 2,391 0.11 2,498 0.13
1,930,697 100.00 1,885,580 100.00 1,805,136 100.00 1,808,688 100.00 1) 2011 K-IFRS , 2010 K-GAAP 2) : , , , ,
. ( : , %)
2011 2010
, 1,598 0.08 1,488 0.07
1,325 0.07 1,438 0.07 355,251 17.57 328,589 16.07
, , 9,242 0.46 13,085 0.64 , 4,669 0.23 4,687 0.23
63,173 3.12 74,720 3.65 169,104 8.36 156,536 7.65
41,000 2.03 37,865 1.85 62,996 3.11 51,047 2.50
,, 18,688 0.92 18,022 0.88 21,748 1.07 29,000 1.42
154,637 7.65 154,939 7.58 , 14,204 0.70 16,197 0.79
4,614 0.23 4,480 0.22 , 935 0.05 946 0.05
9,375 0.46 7,815 0.38 28,191 1.39 24,124 1.18
, 13,717 0.68 14,519 0.71 , 17,281 0.85 14,102 0.69
9 - 23 -
723 0.04 473 0.02 1,029,977 50.93 1,091,075 53.35
2,022,457 100.00 2,045,170 100.00 ) 2011 K-IFRS , 2010 K-GAAP
-
2011 | 23
. ( : , %)
2011 2010
782,807 42.78 715,045 41.57
() (14,531) (0.79) (24,364) (1.42)
503,659 27.52 492,609 28.64
279,148 15.26 222,436 12.93
- - - -
1,027,275 56.13 978,768 56.91 () (454,622) (24.84) (431,824) (25.11)
19,971 1.09 26,187 1.52 () (17,127) (0.94) (23,660) (1.38)
19,301 1.05 25,490 1.48 670 0.04 697 0.04
1,830,053 100.00 1,720,000 100.00 1) 2011 K-IFRS , 2010 K-GAAP 2) ( )
. ( : , %)
2011 2010
1,026,344 56.08 921,600 53.58 - - - -
13,042 0.71 6,814 0.39 30,846 1.69 31,938 1.86 12 - 2 -
1,070,244 58.48 960,354 55.83
123,802 6.77 105,412 6.13
636,008 34.75 654,237 38.04
1,830,054 100.00 1,720,003 100.00 1) 2011 K-IFRS , 2010 K-GAAP 2)
. ( : , %)
2011 2010 (A/B x 100) 35.32 36.08 (A) 646,441 620,608 )(B) 1,830,054 1,720,003
1) 2011 K-IFRS , 2010 K-GAAP 2)
-
2011 | 24
19.
( : )
(B/S)
(I/S)
23,400 23,430 - 680
208,221 211,980 3,372 11,057
120,749 120,748 - 6,472
9,892 9,565 - 75
362,262 365,723 3,372 18,284
112,848 112,948 - 4,825
475,110 478,671 3,372 23,109
) K-IFRS
-
2011 | 25
20.
.
( : , %)
2011 2010
1,866,646 88.59 1,810,259 89.45 1,773,692 90.48 1,625,526 85.81
242,948 11.53 225,565 11.15 234,617 11.97 213,699 11.28
1,599,224 75.90 1,556,965 76.93 1,504,803 76.76 1,374,809 72.58
12,740 0.60 14,604 0.72 19,419 0.99 19,908 1.05
11,734 0.56 13,125 0.65 14,853 0.76 17,110 0.90
42,880 2.04 34,289 1.69 27,878 1.42 32,385 1.71
CD 15,442 0.73 17,459 0.86 23,469 1.20 113,980 6.02
181,965 8.64 161,882 8.00 135,251 6.90 122,361 6.46
2,106,933 100.00 2,023,889 100.00 1,960,290 100.00 1,894,252 100.00
1) 2011 K-IFRS , 2010 K-GAAP 2) ,
. ( : , %)
2011 2010
1,177,563 63.08 1,010,506 56.97
597,089 31.99 673,865 37.99
91,994 4.93 89,321 5.04
1,866,646 100.00 1,773,692 100.00
122,295 67.21 92,733 68.56
58,373 32.08 40,838 30.20
1,297 0.71 1,680 1.24
181,965 100.00 135,251 100.00
1) : 2011 K-IFRS , 2010 K-GAAP 2) : / :
-
2011 | 26
21. .
( : )
2011 2010
307 255 52
453 483 -30
1,141 1,268 -127
8,492 7,103 1,389
2,359 1,946 413
2,233 894 1,339
1,700 1,167 533
( ) 162 139 23
( ) - - -
16,523 12,977 3,546
3,718 2,448 1,270
7,906 5,548 2,358
572 387 185
2,891 3,161 -270
1,436 1,433 3
16,523 12,977 3,546
1) 2011 K-IFRS , 2010 K-GAAP 2) Position() () 3)
.
( : )
2011 2010
885 - 885 738 - 738
1 317 318 4 333 337
92 1 93 11 1 12
59 - 59 51 - 51
34 - 34 33 - 33
31 1 32 59 21 80
1,102 319 1,421 896 355 1,251
1) 2011 K-IFRS , 2010 K-GAAP 2) , 5
-
2011 | 27
.
( : %)
7 30 90 6 1 3 3
4.20 4.66 2.27 8.68 3.86 -0.71 1.43
1) ( ) /
2)
.
( : , %)
1 -240,964 646,554 405,590 2.22%
2 -418,042 778,275 360,233 1.98%
3 68,484 195,574 264,058 1.59%
4 -553,818 881,981 328,163 1.90%
5 151,198 167,347 318,545 1.85%
6 327,540 -93,611 233,929 1.33%
7 -156,349 435,096 278,747 1.52%
8 -532,892 791,406 258,514 1.42%
9 -199,670 500,401 300,731 1.82%
10 -1,267,005 1,531,525 264,520 1.48%
11 -184,773 419,390 234,617 1.36%
12 -213,028 428,470 215,442 1.27%
) , (+), (-)
-
2011 | 28
22. , , .
( : )
2011 2010
33,590 46,417
15,300 -
- -
3,189 2,329
1,469 5,787
1,526 3,504
47 52
1) 2011 K-IFRS , 2010 K-GAAP 2) : 3) :
.
( : )
2011 2010
2,934 2,804 130
- 3,095 -3,095
15,561 16,544 -983
- 19 -19
18,495 22,462 -3,967
) 2011 K-IFRS , 2010 K-GAAP
. ( : )
2011 2010
1,006 523 483
- - -
6,735 5,567 1,168
7,741 6,090 1,651
1) 2011 K-IFRS , 2010 K-GAAP 2) B/S
. :
-
2011 | 29
23. .
( : )
2011 2010
2,022,457 2,045,170
2,020,196 2,041,780
2,261 3,390
1) 22,465 25,915
22,465 25,910
- 5
2) 28,945 36,567
28,945 36,562
- 5
1) ( , , )
2) , ,
. ( : )
2011 2010 000000 () 539 - 539
00000000 ( ) 478 - 478
00 () 384 - 384
0000 ( ) 272 - 272
0000 () 233 - 233
0000 () 220 - 220
0000000 () 170 - 170
0000 () 164 - 164
00000 () 150 - 150 0000 (, ) 138 - 138
000000 () 136 - 136
00000 () 468 341 127
000000 ( ) 117 - 117
000000 () 98 - 98 0000 (, ) 98 - 98
00000 ( ) 92 - 92
00000 () 81 - 81
0000 () 74 - 74
00 () 74 - 74
00000 () 69 - 69
) 20 20
-
2011 | 30
.
( : )
2011 1)
2011.04.22 511 62 -
2011.04.28 210 210 -
2011.04.29 152 250 -
2011.06.24 259 262 -
2011.09.16 451 421 -
2011.10.26 118 118 -
2011.10.27 574 71 -
) 100
-
2011 | 31
24.
.
( : )
2011 2010
60,974 73,404
16,123 21,200
44,851 52,204
56,791 64,441
40,070 43,547
16,721 20,894
543,566 851,169
100,464 128,503
1,421 1,994
- 79
- -
1,783,988 1,683,568
- -
) 2011 K-IFRS , 2010 K-GAAP
-
2011 | 32
. (1)
(2)
, (VaR) ,
, ,
, , 6 ( USD 1 / 1 ) ( USD 2 / 2 )
, ,
Front Office Middle Office Back Office , ,
(Back Office)
( )(Middle Office)
( )
( / )
(Front Office)
-
2011 | 33
( : Pre-settlement Risk Limit) . Front Office .
(3)
/ IRS, CRS
, , (), , Black-Scholes Formula . (closed form solution) , (tree method) (finite difference method)
,
-
2011 | 34
(4) () ( : )
(A) 56,866 2,066 1,531 - - - - - - 56,866 2,066 1,531
- - -
- - -
Match(B) 600 24 23 - - - 600 24 23
- - -
(C) 1,726,522 20,382 16,809 311,157 9,165 3,838 17,155 - - 1,265,743 10,319 11,859
96 2 -
132,371 896 1,112
(A+B+C) 1,783,988 22,472 18,363
(5) () ( : )
(A) 5 - - - - - - - - 5 - -
- - -
- - -
Match(B) - - - - - - - - -
- - -
(C) - - - - - - - - - - - -
- - -
- - -
(A+B+C) 5 - -
-
2011 | 35
(6) () ( : )
(A) 43,433 2,066 126 - - - - - - 43,433 2,066 126
- - -
- - -
Match(B) - - - - - - - - -
- - -
(C) 1,239,638 5,915 7,192 - - - 15,176 - - 1,104,487 5,215 6,492
- - -
119,975 700 700
(A+B+C) 1,283,071 7,981 7,318
(7) () : (8) ()
( : )
(A) 11,533 - 1,277 - - - - - - 11,533 - 1,277
- - -
- - -
Match(B) - - - - - - - - -
- - -
(C) 477,480 14,288 9,216 311,157 9,165 3,838 1,728 - - 161,109 5,091 5,364
- - -
3,486 32 14
(A+B+C) 489,013 14,288 10,493
-
2011 | 36
(9) ()
( : )
(A) 5 - - - - - - - - 5 - -
- - -
- - -
Match(B) - - - - - - - - -
- - -
(C) - - - - - - - - - - - -
- - -
- - -
(A+B+C) 5 - -
(10) ()
( : )
(A) - - - - - - - - - - - -
- - -
- - -
Match(B) - - - - - - - - -
- - -
(C) 9,404 179 401 - - - 251 - - 147 13 3
96 2 -
8,910 164 398
ELW(D) - - - - - - - - -
(A+B+C+D) 9,404 179 401
-
2011 | 37
(11) () :
(12) ()
( : )
(A) 1,900 - 128 - - - - - - 1,900 - 128
- - -
- - -
Match(B) 600 24 23 - - - 600 24 23
- - -
(C) - - - - - - - - - - - -
- - -
- - -
(A+B+C) 2,500 24 151
(13) () :
(14) () :
(15) () :
-
2011 | 38
25. .
(1)
.
(2)
.
. . ( )
() .
.
. . . ,
. .
, , , .
(1)
- , , , .
- ( ) , .
(2)
- / (, , , ) , . ,
-
2011 | 39
.
- , , , , .
- , , .
(3)
- .
- , .
(4)
- .
- , .
.
(1)
- , (Risk Appetite)
(, , )
(, , )
( )
-
2011 | 40
, , 5 .
(2)
- , , .
(3)
- , .
: , exposure , .
: , , .
: , ,
(4)
- , , , / , , .
: /, , RAROC /EVA //, II , , // , ALM(/) , , ( ) , Country Risk .
: , , , // , , (PF, , ) , .
: , / , / // Review, , .
.
(1) : 9
(2)
-
2011 | 41
Risk Appetite
- KB 2011 (2011.2.18) - 2012 (2011.10.31) - (2011.12.9) - 2012 Risk Appetite (2011.12.9) - 2011 (2011.12.20)
EC - 2011 (2011.5.26) - (2011.8.12) - 2012 (2011.12.20)
- (2011.5.26) - (2011.5.26) - (2011.10.31)
- (2011.5.26) - (2011.5.26) - (2011.10.31)
- (2011.2.18, 8.19)
- (, , , , ) (2011.2.18, 5.26, 8.19, 10.31, 12.20)
- (CPM) (2011.2.18) -
(2011.2.18, 5.26, 8.19, 10.31, 12.20) - (2011.2.18) - (2011.5.26) - () (2011.5.26) - (2011.5.26) - 2011 1~4 (2011.5.26) - (2011.5.26) - () (2011.6.14) - (2011.6.14) - (2011.6.24) - (2011.8.19) - (2011.8.19) - KB (2011.8.19) - 2011 (2011.8.19) - (CPM) (2011.8.19) - (2011.8.19, 10.31) - (2011.8.19) - 2012 (2011.10.31) - CNH/CNY Spread (2011.10.31) - KB (2011.10.31) - (2011.12.9) - 2011 (BCP) (2011.12.9) - CNH/CNY (2011.12.9) - (2011.12.20)
-
2011 | 42
.
(1)
- , II , , , .
- //
2000 : //ALM VaR RAROC 2001 : / 2002 : ERM , IT CRS/ CSS 2003 : II , CSA 2004 : (PD/LGD/EAD) 2005 : CSS / , II DB ,
VaR 2006 : Credit Manager EC/RAROC ,
BCP(Business Contingency Plan) 2007 : (, Credit Manager) 2008 : VaR 2009 : KB-RAPS , RAPM 2010 : RAROC KPI , ,
2011 : (CPM) (2012.7 )
(2)
- , .
- 2 , (RAPM), .
- .
(3)
- (F-IRB) (PD, LGD, EAD) , (RWA) BIS .
- , , , .
-
2011 | 43
- (, ) , . ( ) .
- , .
(4)
- II , .
- , , , .
.
II - PD/EAD/LGD
ALM
CRO & CFO
PILLAR 1
RWA
Credit VaR
VaR
VaR
ALM VaR
Pillar2
VaR
RWA
RAROC
EVA
/
CRO
RiskAppetite
Mgmt Reports
PILLAR 2
CFO
/PILLAR 3
CRO & CCO
.
(1) BIS
- KB 2008 1 BIS 2007 12 28 .
- BIS 100% , BIS .
- , BIS ,
-
2011 | 44
(0% ~ 1,250%) , PD(), LGD( ), EAD( ) .
-
(2) BIS
- , , , KB 2008 11 2009 .
- LDA(Loss Distribution Approach) VaR VaR , . CSA KRI BEIC(Business Environment Internal Control) VaR , .
- .
(3) BIS
- 2005 7 26 . . .
-
(VaR)
- , , 10 99%
. ,
(1)
1)
- .
- .
- / . ,
-
2011 | 45
5% . , .
- , .
- .
2)
- , , , , .
(2)
1)
- , , .
2)
- . , .
- . . .
3)
- Risk Appetite Risk Appetite Risk Appetite 100% .
-
BIS BIS , Risk Appetite Risk Appetite , .
BIS BIS Risk Appetite Risk Appetite , .
BIS Risk Appetite 100% ,
- 1 .
-
2011 | 46
(3)
1)
- Risk Appetite , , ()( , / ), , , , (Capital cushion)
- , , .
- ( ) .
2)
- .
- , .
- . : , , , , : , , , ,
, , ,
3) ,
- (Contingency Plan) .
- .
- . ( , , )
4)
- . / ,
-
2011 | 47
26.
.
()
(Expected Loss) (Unexpected Loss) .
.
,
.
, .
, ,
, .
,
,
.
(1) ,
, , .
: , /SOHO/ , , ,
: //SOHO
: ,
: , NPL ,
:
(2) Portfolio
, , , Total Exposure
,
,
,
.
-
2011 | 48
(3)
, Exposure
() 26 Total
Exposure ,
Transaction Limit .
() Total Exposure
Total Exposure 300
Total Exposure 200
() TL(Transaction Limit)
2
5 20
(4)
,
, , , ,
,
.
(5)
()
,
, ,
.
(6)
Monitoring
, NPL
.
-
2011 | 49
(7)
,
, 2011 IFRS
.
.
()
- : 30
- : ()
//
: (DCF : Discount Cash Flow)
-
()
:
: Basel Risk Component ,
Risk Component Conversion
( + ) (PD) (LGD) + ( LOC/F) (PD)
- PD : Basel II PD (LEP)
- LGD : Basel II LGD ()
-
2011 | 50
. (1)
BIS
(Probability of Default; PD),
(Loss Given Default; LGD) (Exposure At Default;
EAD)
PD :
LGD : (EAD )
EAD :
(M) :
(2)
3
,
() (SA: Standardized Approach)
- (ECAI) (0% ~ 1,250%)
AAA ~ AA- A+
~ A- BBB+
~ BBB- BB+
~ BB- B+ ~ B- B-
20% 50% 100% 100% 150% 150% 100% 1 100% 100% 100% 100% 100% 100% 100% 0% 20% 50% 100% 100% 150% 100% 1 0% 0% 0% 0% 0% 0% 0% 20% 50% 100% 100% 100% 150% 100% 1 20% 20% 20% 20% 20% 20% 20% 20% 50% 100% 350% (1,250%) 1 100% 100% 100% 100% 100%
) S&P
() (IRB: Internal Rating-Based Approach)
-
/
, ,
-
2011 | 51
(3)
KB 2008 1 BIS 2007 12 28
.
2011 12 , , ,
() .
// ,
.
,
.
BIS
1) , , 2) () ,
/, (, ),
SOHO,
3) ( ) , SOHO
1) , , 2) (
15% , )
3) ,
-
2011 | 52
.
(1) ( : )
/
2,260,210 66,289 310,179 17,313 242,520 2,896,511
20,110 219 2,924 1 3,097 26,351
2,280,320 66,508 313,103 17,314 245,617 2,922,862
) /
(2) ( : )
/
365,627 34,157 9,585 7,996 41,166 458,531
901,657 23,941 165,422 8,529 15,366 1,114,915
142,919 8,383 138,096 787 189,085 479,270
870,117 27 - 2 - 870,146
2,280,320 66,508 313,103 17,314 245,617 2,922,862
(3) ( : )
/
1 1,276,097 51,717 106,998 9,761 68,236 1,512,809
1 3 225,627 10,633 111,231 4,382 2,179 354,052
3 5 105,683 1,673 40,691 1,888 3,352 153,287
5 672,913 2,485 42,787 1,221 23,158 742,564
- - 11,396 62 148,692 160,150
2,280,320 66,508 313,103 17,314 245,617 2,922,862
)
-
2011 | 53
. ( : )
2011 2010
20% 1,520,367 127,604 1,678,036 135,380
50% 409,155 155,153 382,197 146,396
100% 678,133 581,353 671,510 583,087
150% 236,756 317,826 293,357 390,132
150% 64,296 143,760 67,893 149,344
2,908,707 1,325,696 3,092,993 1,404,339
)
.
( : , %)
2,022,457 15,138 7,021 6,786 28,945 1.43 0.87
. ()
( : )
(A)
(B)
(C) = (A)(B)
215,924 75 - - - 75 215,849 103,498 181 - - - 181 103,317 980,091 16,739 59,537 - 40,005 116,281 863,810 441,311 4,879 5,822 - 5,281 15,982 425,329
477,130 9,839 53,082 - 34,724 97,645 379,485
61,650 2,021 633 - 2,654 58,996 1,350,416 - - - - - 1,350,416
688,856 - - - - - 688,856 - - - - - - -
661,560 - - - - - 661,560 497,491 - - - - - 497,491
164,069 - - - - - 164,069 18,737 - - - - - 18,737
14,908 - - - - - 14,908 14,155 - - - - - 14,155
17,314 - - - - - 17,314 207,819 - - - - - 207,819 2,922,862 16,995 59,537 - 40,005 116,537 2,806,325
-
2011 | 54
.
(1) ( : )
2011 2010
20% 13,532 2,151 9,251 1,320
50% 281 141 2,346 827
100% 342 307 100 80
250% - - 735 860
250% - - - -
14,155 2,599 12,432 3,087
(2)
( : )
2011 2010
9,034 6,608
- 2,219
4,989 3,605
132 -
14,155 12,432
) : (: , 2 )
.
( : )
1,137 2,370 3,507
93 31 124
8,596 5,034 13,630
- - -
- - -
25 29 53
- - -
9,851 7,464 17,314
-
2011 | 55
27.
.
,
.
.
.
(1)
.
- (Control Self Assessment,CSA) : CSA . CSA .
- (Key Risk Indicator, KRI) : KRI . KRI Forward-looking .
- : . , . 6 KOREC (Korea Operational Risk data Exchange Committee, ) , .
- : , . , , (:CSA, KRI ), 1 .
- : . .
- (Business Continuity Plan, BCP) : , . BCP , / , .
-
2011 | 56
(2)
LDA(Loss Distribution Approach) VaR
VaR ,
. BEIC(Business
Environment Internal Control) CSA KRI , VaR
, .
100 .
. 100
, A- 1
-
2011 | 57
28.
.
, ,
.
.
[, (, )]
.
(VaR)
Stress Testing Back Testing .
VaR(Value at Risk) (, )
(, , VaR )
.
2005 3/4
BIS , .
. 4)
( : )
2011 2010
3)
38,787 24,824 63,611 10,900 21,992 32,892
1,575 320 1,895 267 294 561
1) 1,702,896 - 1,702,896 1,608,005 - 1,608,005
2) 4,227 - 4,227 3,557 - 3,557
1,072 176 1,248 1,045 690 1,735
1,748,557 25,320 1,773,877 1,623,774 22,976 1,646,750
1) . , , .
2) . 3) . 4) (trading book) (banking book) .
. .
-
2011 | 58
. VaR1)
( : )
2011 2010
VaR
VaR
90 104 37 65 48 55 56 75
52 122 2 25 5 14 23 22
49 126 42 65 52 134 21 53
- - - - - - - -
2 12 2 5 6 7 5 7
2) 93 133 53 89 68 134 58 93
1) VaR 2010 2011 - VaR , , - VaR 99%, 1 - SMA()
2)
. VaR ( : 2011 1 ~ 12)
) VaR[ SMA() ] ,
0 .
vs
-300
-200
-100
0
100
200
300
2011/01/03 2011/02/17 2011/04/01 2011/05/17 2011/06/29 2011/08/10 2011/09/26 2011/11/08 2011/12/20
:
-
2011 | 59
. (1)
(NPV) (NII)
. (2)
VaR , EaR
.
, . (3)
VaR(), EaR, ,
/ , ,
1 .
-
2011 | 60
29.
.
.
.
, //
.
, ,
, VaR, ,
.
/
, .
. (1) ,
-
( : )
1 1 2 2 3 3
1,127,130 20,030 6,654 1,375 1,155,189
-
( : )
1 1 2 2 3 3
903,850 144,619 121,250 660,335 1,830,054
)
-
2011 | 61
-
( : )
1 1 2 2 3 3
25,807 19,175 30,050 39,104 114,136
49,197 24,533 4,905 802 79,437
136 194 502 442 1,274
23,392 20,174 17,122 29,800 90,488
9,214 6,826 8,710 18,784 43,534
107,746 70,902 61,289 88,932 328,869
) . ( )
(2)
( : )
7 30 ()
90 ()
6 ()
1 ()
3 ()
3
2,839 8,095 16,747 22,470 29,435 37,185 1,156 38,341
4,714 10,670 19,229 25,827 30,930 36,912 1,785 38,697
)
-
2011 | 62
30. (2012 2 29 )
.
(1)
() (MOR : Market Opportunity Rate)
- (MOR) (, , , )
: :
()
CD(91), (AAA) (, (MOR) , ) COFIX( ))
) COFIX(Cost of funds index) :
3
, , ,
( 3 ) (, BB+
bb+)
(, ,
)
6/12
(, 6
)
COFIX 6/12
-
( COFIX COFIX)
-
-
2011 | 63
() 1) FOR YOU
-
+ () ,
( )
(MOR) COFIX SPREAD
3, 5, 10
2)
-
)
5 + 1.25%p
5 + 1.00%p
) 0.5%p
(2)
- (MOR)
1) : 2) :
3) :
4) : / 5) : ,
-
2011 | 64
. (2012 2 29 )
(1)
( : %) 5)
1 5 6 2) (, 1) 7.00 9.78 10.31
-
1 5 9 COFIX
3) 5.71 5.71 5.74 -
1 5 9 COFIX
3) 5.72 5.72 5.75 -
-
1)
(1) 5 : + 1.25%p 5 : + 1.00%p
-
AAA BB B (1) 5.41 8.22 11.17
-
AAA BB B 4)
5.16 7.97 10.92
-
1) 2) 1 3) , 5 , 6 4) , 5 6 (, AAA ) 5) ,
(2)
( : %)
2) 3)
- 0.10 - 30 - 0.10 0.30 30
6 3.05 3.15 1 3.50 3.75 2 3.70 4.15
1)
3 3.85 4.35
-
3 2.40 2.50 6 2.70 2.90 1 2.90 3.30 2 3.00 3.40
3 3.20 3.60 3 - -
5 - -
2003.1.1
10 3.75 3.85 3
1) , (6 ) 2) 3) ( )
-
2011 | 65
31.
.
( : )
()
Kookmin Bank HongKong Limited 5,658
1,227 (234) 70 63 2011.12.31
Kookmin Bank Intl Ltd. (London) 4,671
677 (376) 40 30 2011.12.31
Kookmin Bank Cambodia PLC 532
172 (186) 8 7 2011.12.31
JSC Bank CenterCredit) 84,172
6,731 (5,430) 2,213 212 2011.12.31
37,383 5,921 (24) 1,091 942 2011.12.31
) BCC 2011 BCC
.
(1) ( : , %, %p)
2011 2010
Kookmin Bank HongKong Limited 1,633 0.74 1,960 0.85 -327 -0.11
Kookmin Bank Intl Ltd. (London) 3,855 1.74 3,059 1.33 796 0.41
Kookmin Bank Cambodia PLC 104 0.05 99 0.04 5 0.01
JSC Bank CenterCredit 3,651 1.65 3,788 1.64 -137 0.01
387 0.18 403 0.17 -16 0.01
(2) :
-
2011 | 66
32. . (1)
- (Compliance) , . , , , , .
(2)
- .
(3)
- - , - - , - - - , ,
. 2011 KB .
(1)
- - (CSA) - (Compliance Check)
(2)
- ,
(3)
- KB - - , -
-
2011 | 67
(4)
- -
(5)
- , , ,
(6)
- (STR), (CTR), (KYC) -
(7)
-
- -
(8)
- - - 1 - (Compliance) - 1
-
2011 | 68
33.
.
- ,
,
.
- () 3,
() 1 ,
, .
-
, ,
, .
- .
.
- ,
, .
. - :
-
IT
-
2011 | 69
.
-
2011 575 2,528 3,103
-
2011 654() 46
-
2011 2,418,277
34. :
35. :
36. :
-
2011 | 70
37. .
(1) (2011. 12. 31 )
( )
( )
() () ()
( )
(1) () (1)
() () () ()
( )
()
(2)
. ,
.
.
(3)
.
(Annual compensation review)
.
-
2011 | 71
(4) ( )
()
(5)
)
61 1, 1, 1, 9, 49
101 34, 27, 11, 7, 19, 3
) 2011.12.31
(6)
( )
, , , ,
( )
(7)
7
- 1 : 2011.02.10. - 2 : 2011.02.24. - 3 : 2011.03.11. - 4 : 2011.03.24. - 5 : 2011.04.27. - 6 : 2011.07.28. - 7 : 2011.10.27.
(8)
1. KB (Shared Value )
2.
3. Relative TSR
-
2011 | 72
(9)
)
99 37, 26, 36
37 37
) 2011.12.31
(10)
- , KPI
.
- BIS , ,
, ,
, ,
.
-
.
.
(1)
, , (Pillar 1 )
BIS .
Pillar 1 , , Pillar 2
, , , , .
1. BIS
. , , Basel 2 .
2. RAROC (Risk Adjusted Return On Capital)
.
, (EC)
.
-
2011 | 73
3. EVA (Economic Value Added)
.
() .
4. NPL
. CAEL , 1 .
( : )
(Tier1) (A) 149,536
(Tier1+Tier2) (B) 196,684
(C) 1,451,850
1,328,295
21,926
101,629
12 (D) 110,427
(E) 109,345
(F) 20,667
BIS (B/C) 13.55%
RAROC (F/E) 18.90%
EVA (F-E)) 10,006
NPL 1.43%
) ROE 2011 9.75%.
3 , ,
( : )
2009 2010 2011
BIS 14.04% 13.44% 13.55%
RAROC) 2.7% 6.5% 18.90%
EVA) -10,117 -7,229 10,006
NPL 1.11% 1.79% 1.43%
) RAROC, EVA .
BIS 2009 .
RAROC, EVA 2009 , NPL
0.36%P .
-
2011 | 74
NPL , EVA (,
, ) KPI , RAROC
. EC EVA KPI
.
BIS, RAROC, NPL
. BIS , RAROC EVA
, NPL
. , ,
. RAROC
() .
(2)
1.
( , , EVA, ), (BIS,
), ( , /), (,
)
2.
, , KB
1.
(ROE, ROA, CIR, NPL), (TSR), (EPS), KPI
( )
2.
, KPI( , , CIR),
(RAROC),
-
2011 | 75
1.
, (TSR), (EPS)
, KPI
2.
,
1.
,
(40% 50%) 0( 20%) .(Threshold )
, Threshold
2.
, (Penalty) .
Penalty
(3)
40~50% ,
3
3 ,
.
, , , , .
, 3 . ,
.
-
2011 | 76
(4)
,
(, , )
()
50~60% (
) ,
1.
50%( 40%) , 50%( 60%)
3 ,
2.
3 ,
3
-
2011 | 77
.
(1) ( ) ( : , )
1) 2)
70 109 213 85 2010
125 22.9 22.6 8.7
63 98 168 80 2011
3)
1) 6 2) (2) , .
3) 2011 2012 2 , 3 , 2012 1/4
(2) ( ) ( : )
1) 2)
213 44 - 169 - 2010
22.6 18.3 - 4.3 -
168 47 - 1213) - 2011
4)
1) .
2)
3) 2011 2011 ( ) .
4) 2011 2012 2 , 3 , 2012 1/4
-
2011 | 78
(3) ( ) ( : )
2) 2)
45 45 - 2010
8.7 8.7 -
821) 82 2011
3)
1) 2011 2011 . ( 2012-2 )
2) ,
3) 2011 2012 2 , 3 , 2012 1/4
(4) ( ) ( : )
2011 2010 2009 2008
45 - 45 - - - 2010
8.7 - 8.7 - - -
821) 49 33 - - - 2011
2)
1) 2011 2011 . ( 2012-2 )
2) 2011 2012 2 , 3 , 2012 1/4
(5) ( )
( : )
1)
2) 3)
- - - 2010
- - -
- - - 2011
4)
1) , . 2) . 3) . 4) 2011 2012 2 , 3
, 2012 1/4
-
2011 | 79
(6)
( : , )
1) 2) 1
- - - 2010
- - -
- - - 2011
- - -
1) :
2)
(7) ( : , )
1) 2) 1
- - - 2010
- - -
- - - 2011
- - -
1) : , ,
2)
(8) ( : , )
) 1
5 3.9 0.8 2010
- - -
7 13.7 2.9 2011
- - -
)
-
2011 | 80
38. .
( : , )
2001.03.22
4,429 - 4,429 -2004.03.23
~ 2011.03.22
71,538 36,300
2001.03.22 6,644 - 6,644 - 71,538 36,300
2001.03.22 4,429 - 4,429 - 71,538 36,300
2001.03.22 6,644 - 6,644 - 71,538 36,300
2002.03.29 3,330 - 3,330 -2004.03.30
~ 2011.03.29
129,100 36,300
2002.03.29 3,330 - 3,330 - 129,100 36,300
2002.03.29 3,330 - 3,330 - 129,100 36,300
2003.03.21 10,000 - 10,000 -2006.03.22
~ 2011.03.21
58,600 36,300
2003.03.21 10,000 6,678 3,322 - 43,800 36,300
2003.03.21 10,000 3,351 6,649 - 42,200 36,300
2003.03.21 10,000 6,678 3,322 - 43,800 36,300
Bernard S. Black
2003.03.21 10,000 6,678 3,322 - 43,800 36,300
Richard Elliott Lint
2003.03.21 10,000 - 10,000 - 43,800 36,300
2003.03.21 30,000 9,443 20,557 - 35,500 36,300
2003.03.21 15,000 9,730 5,270 - 35,500 36,300
2003.03.21 15,000 9,730 5,270 - 35,500 36,300
2003.03.21 15,000 14,343 657 - 35,500 36,300
2003.03.21 15,000 9,730 5,270 - 35,500 36,300
2003.03.21 15,000 9,730 5,270 - 35,500 36,300
2003.08.27 30,000 5,091 24,909 -2006.08.28
~ 2011.08.27
40,500 36,300
2004.02.09 10,000 - 2,875 7,1252007.02.10
~ 2012.02.09
46,100 36,300
2004.02.09 10,000 - 2,875 7,125 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.02.09 5,000 - - 5,000 46,100 36,300
2004.03.23 5,000 - - 5,0002007.03.24
~ 2012.03.23
48,500 36,300
2004.03.23 5,000 - - 5,000 48,500 36,300
2004.03.23 5,000 - - 5,000 48,800 36,300
-
2011 | 81
2004.03.23 5,000 - - 5,000 48,800 36,300
2005.03.18 30,000 - - 30,0002008.03.19
~ 2013.03.18
51,600 36,300
2005.03.18 30,000 - - 30,000 46,800 36,300
2005.03.18 30,000 - 21,241 8,759 46,800 36,300
2005.03.18 30,000 - 11,250 18,750 46,800 36,300
2005.03.18 30,000 - 214 29,786 46,800 36,300
2005.03.18 30,000 - 21,241 8,759 46,800 36,300
2005.03.18 30,000 - 21,241 8,759 46,800 36,300
2005.03.18 30,000 10,000 11,250 8,750 46,800 36,300
2005.03.18 30,000 - 214 29,786 46,800 36,300
2005.03.18 30,000 - 11,250 18,750 46,800 36,300
2005.03.18 30,000 - 21,241 8,759 46,800 36,300
2005.03.18 30,000 - 21,241 8,759 46,800 36,300
2005.03.18 30,000 - 1,944 28,056 46,800 36,300
2005.03.18 15,000 - 10,621 4,379 46,800 36,300
2005.03.18 15,000 - 10,621 4,379 46,800 36,300
2005.03.18 15,000 - 10,621 4,379 46,800 36,300
2005.03.18 15,000 - 14 14,986 46,800 36,300
2005.03.18 15,000 - 10,621 4,379 46,800 36,300
2005.03.18 15,000 - 10,621 4,379 46,800 36,300
2005.03.18 15,000 - 835 14,165 46,800 36,300
2005.03.18 15,000 - 107 14,893 46,800 36,300
2005.03.18 15,000 - 10,621 4,379 46,800 36,300
2005.03.18 15,000 - - 15,000 46,800 36,300
2005.03.18 15,000 - 835 14,165 46,800 36,300
2005.03.18 15,000 - 1,027 13,973 46,800 36,300
2005.03.18 15,000 - 5,625 9,375 46,800 36,300
2005.03.18 15,000 - 107 14,893 46,800 36,300
2005.03.18 15,000 - 5,625 9,375 46,800 36,300
2005.03.18 15,000 - - 15,000 46,800 36,300
2005.03.18 15,000 - 1,027 13,973 46,800 36,300
2005.03.18 15,000 - 835 14,165 46,800 36,300
2005.03.18 15,000 - 5,625 9,375 46,800 36,300
2005.03.18 15,000 - 5,625 9,375 46,800 36,300
2005.03.18 15,000 - 107 14,893 46,800 36,300
2005.03.18 15,000 - 5,625 9,375 46,800 36,300
2005.03.18 15,000 - 9,909 5,091 61,000 36,300
2005.03.18 15,000 - 9,923 5,077 60,300 36,300
2005.03.18 15,000 - 4,928 10,072 63,600 36,300
2005.03.18 15,000 - - 15,000 51,600 36,300
2005.03.18 15,000 - - 15,000 51,600 36,300
2005.03.18 15,000 - 9,909 5,091 61,000 36,300
2005.03.18 15,000 - 4,969 10,031 63,800 36,300
-
2011 | 82
2005.03.18 15,000 - - 15,000 51,600 36,300
2005.03.18 15,000 - - 15,000 51,600 36,300
2005.04.27 15,000 8,827 6,173 -2008.04.28
~ 2013.04.27
45,700 36,300
Donald H. MacKenzie
2005.07.22 30,000 - 559 29,4412008.07.23
~ 2013.07.22
49,200 36,300
2005.08.23 15,000 - 7,788 7,2122008.08.24
~ 2013.08.23
53,000 36,300
2006.03.24 20,000 - 83 19,9172009.03.25
~ 2014.03.24
77,900 36,300
2006.03.24 10,000 - 42 9,958 77,900 36,300
2006.03.24 10,000 - - 10,000 77,800 36,300
2006.03.24 10,000 - 42 9,958 77,900 36,300
2006.03.24 5,000 - - 5,000 85,100 36,300
2006.03.24 30,000 - 4,791 25,209 75,200 36,300
2006.03.24 30,000 - 4,791 25,209 75,200 36,300
2006.03.24 30,000 - 8,541 21,459 81,900 36,300
2006.03.24 20,000 - 83 19,917 77,900 36,300
2006.03.24 210,000 - 33,532 176,468 75,200 36,300
2006.03.24 45,000 - 17,122 27,878 80,000 36,300
2006.03.24 20,000 - 230 19,770 77,800 36,300
2006.03.24 20,000 - 1,834 18,166 80,300 36,300
2006.03.24 20,000 - 1,834 18,166 80,300 36,300
2006.03.24 30,000 - 3,383 26,617 75,200 36,300
2006.03.24 30,000 - 11,825 18,175 80,300 36,300
2006.03.24 30,000 - 1,230 28,770 75,200 36,300
2006.03.24 30,000 - 3,274 26,726 75,200 36,300
2006.03.24 30,000 - 3,383 26,617 75,200 36,300
2006.03.24 30,000 - 11,825 18,175 80,300 36,300
2006.03.24 30,000 - 1,230 28,770 75,200 36,300
2006.03.24 30,000 - 3,383 26,617 75,200 36,300
2006.03.24 30,000 - 11,825 18,175 80,300 36,300
2006.03.24 30,000 - 3,383 26,617 75,200 36,300
2006.03.24 30,000 - 11,825 18,175 80,300 36,300
2006.03.24 30,000 - 11,825 18,175 80,300 36,300
2006.03.24 30,000 - 11,825 18,175 80,300 36,300
2006.03.24 30,000 - 3,383 26,617 75,200 36,300
2006.03.24 30,000 - 11,825 18,175 80,300 36,300
2006.04.28 30,000 - 4,387 25,6132009.04.29
~ 2014.04.28
81,900 36,300
2006.10.27 20,000 - 1,013 18,9872009.10.28
~ 2014.10.27
76,600 36,300
2007.02.08 10,000 - 987 9,0132010.02.09
~ 2015.02.08
77,100 36,300
2007.02.08 10,000 - 987 9,013 77,100 36,300
-
2011 | 83
2007.02.08 10,000 - 107 9,893 77,100 36,300
2007.02.08 45,000 - 17,325 27,675 77,100 36,300
2007.02.08 30,000 - 11,098 18,902 77,100 36,300
2007.02.08 30,000 - 12,297 17,703 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 11,098 18,902 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 11,098 18,902 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 12,297 17,703 77,100 36,300
2007.02.08 30,000 - 12,297 17,703 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 12,297 17,703 77,100 36,300
2007.02.08 30,000 - 2,105 27,895 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 12,297 17,703 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 12,297 17,703 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 11,098 18,902 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 11,098 18,902 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
2007.02.08 30,000 - 11,098 18,902 77,100 36,300
2007.02.08 30,000 - 2,105 27,895 77,100 36,300
2007.02.08 30,000 - 2,793 27,207 77,100 36,300
JACQUES P.M.KEMP
2007.03.23 30,000 - 14,754 15,2462010.03.24
~ 2015.03.23
84,500 36,300
- - - - 3,087,136 110,009 830,939 2,146,188 - - -
[ : 68,144] 1) : 2) : , , 3) (2003321, 200429, 2004323, 2004111, 2005318, 2005 4
27, 2005722, 2005823, 2006324 ) : , 3 TSR,
4) ( ) 200429, 2004323 : 1 2004111, 2005318, 2005427, 2005722, 2005823, 2006428, 2007323
: 3 2006324 : 1, 2 3 200728 : 1, 3
5) : 2011 12 29 KB
-
2011 | 84
6) 7) : ( ) * ** ,
.
(1)
:
- 2, 1, 1
(2005 8 23 )
-
- = ( ) (1 + 0.4)
: 2, 1, 1
100
- = ( - ) /
/
(-)
(2006 3 24 )
-
- = ( ) (1 + 3 TSR 0.4)
: 2, 1, 1 1) 100 2) 3 TSR = ( 3 - 3
) / 3 3) 3 : , , 4) - 1 : 2, 1, 1
- 2 : 1 5) , 6) 3 (-)
(2) ( )
- /
- = /(1, 2 3)
1
-
2011 | 85
- 3 (, ) (KPI)
() (
)
( ) Stock Option
60 Stock Option ( )
60 80
: = /80
80
(3)
(Stock Option )
- 2005 8 23
,
() (), ()
( ),
- 2006 3 24
) - : , , - : - : ,
- 3 TSR
-
)
(4)
-
KB . (2008.8.25 )
-
2011 | 86
. ,
(1) :
(2)
( : , )
()
2011.01.10 8,827 45,700 58,286 58,100 111
2011.01.21 7,000 35,500 59,248 56,900 166
2011.02.22 Bernard S. Black 6,678 43,800 57,822 57,300 94
2011.03.14 5,000 35,500 57,351 55,200 109
2011.03.14 5,500 35,500 57,351 55,200 120
2011.03.14 9,730 35,500 57,351 55,200 213
2011.03.14 9,730 35,500 57,351 55,200 213
2011.03.14 14,343 35,500 57,351 55,200 313
2011.03.15 6,678 43,800 56,982 54,000 88
2011.03.15 6,678 43,800 56,982 54,000 88
2011.03.21 3,351 42,200 56,310 56,500 47
2011.04.18 10,000 46,800 56,515 53,500 97
2011.08.08 5,091 40,500 51,670 43,600 57
1) :
2) :
(3)
( : )
2011.03.21 Richard Elliott Lint 6,678
2011.03.21 10,000
2011.03.22 6,644
2011.03.22 6,644
2011.03.22 4,429
2011.03.22 4,429
2011.03.29 3,330
2011.03.29 3,330
2011.03.29 3,330
) :
39. ( : )
2011 2010
1,440 1,771
-
2011 | 87
40.
. 1)
(: , %)
() ( )2)
( ) 3)
(A)
(B)
(C) (C-A)
(C-B)
501 621 - -501
(-100.00%) -621
(-100.00%)
KB 245,430 3,149 9,500 -235,930
(-96.13%) 6,351
(201.68%)
KB - - 765,000 765,000
(-) 765,000
(-)
1,393 5,218 5,027
3,634 (260.88%)
-191(-3.66%)
246,823 8,367 779,527 532,704
(215.82%) 771,160
(9,216.68%)
KB
247,324 8,988 779,527 532,203 (215.18%) 770,539
(8,572.98%)
425 425 400-25
(-5.88%) -25
(-5.88%)
(2010.07.29,
) 425 425 400
-25 (-5.88%)
-25(-5.88%)
(2011.03.24,
)
33 33 11-22
(-66.67%) -22
(-66.67%)
(1) 25 26 40
15 (60.00%)
14(53.84%)
(2010.08.12,
) 58 59 51
-7 (-12.07%)
-8(-13.56%)
12 12 --12
(-100.00%) -12
(-100.00%)
(2010.11.26,
) 12 12 --12
(-100.00%) -12
(-100.00%)
3 7 --3
(-100.00%) -7
(-100.00%)
() 60 - -
-60 (-100.00%)
0 (-)
(2008.09.29,
)
63 7 --63
(-100.00%) -7
(-100.00%)
(2010.11.26,
)
-
2011 | 88
() ( )2)
( ) 3)
(A)
(B)
(C) (C-A)
(C-B)
(2010.09.29,
)
(2010.03.25,
)
50 - 50-
(-) 50
(-)
(2011.09.29,
) 50 - 50
- (-)
50 (-)
523 477 461-62
(-11.85%) -16
(-3.35%)
85 26 40-45
(-52.94%) 14
(53.84%)
608 503 501 -107 (-17.60%) -2
(-0.40%)
1,024 1,098 461 -563 (-54.98%) -637
(-58.01%)
246,908 8,393 779,567 532,659 (215.73%) 771,174
(9,188.30%)
247,932 9,491 780,028 532,096 (214.61%) 770,537
(8,118.61%)
1) 2 ,
2) KB (2008.9.29)
3) 14 ( )
, 352
-
2011 | 89
.
(1) :
(2) 1) ( : )
( )
( ) 2)
3)
11.09.29 12.09.28 569 - 11.09.01 12.09.28 1,871 - 11.09.29 12.09.28 2,574 - 11.09.29 12.09.28 15,085 -
11.09.01 11.12.31 - 4.3 09.07.10 12.07.17 - 2.3 11.03.21 13.03.20 250 3 KB 11.04.21 14.04.20 - 0.6 09.12.15 11.12.31 - 2.5 PB 11.01.27 12.01.26 - 6.6 PB 10.12.01 12.11.30 - 2.3 10.12.01 12.11.30 1.2 11.06.03 13.06.02 2 PB 11.07.28 13.07.31 - 3.1 11.22.22 13..12.21 - 4.6
KB
11.11.14 13.11.13 - 11.5 PB 09.08.01 12.07.31 - 4.6 11.09.25 13.09.24 1,200 - 11.10.02 13.10.01 695 9.9 10.06.02 12.06.01 460 - 03.12.31 13.02.22 330 - 02.07.01 13.06.30 196 - 06.02.14 12.02.12 300 1 05.03.02 12.03.01 460 4.1 11.03.06 13.03.05 1,072 - 11.02.01 12.01.31 716 - 11.12.06 13.12.05 186 - 11.08.04 14.07.31 142 -
KB
11.08.10 14.07.31 120 - 09.08.15 12.08.14 - 1.3
KB 11.06.15 13.06.14 340 -
KB 09.08.01 12.07.31 - 2.6 11.03.02 14.02.28 2,286 - 11.03.02 14.02.28 8,730 - 11.03.02 14.03.01 - 5.6
KB
KB
11.03.02 14.03.01 - 30.3
-
2011 | 90
( )
( ) 2)
3)
11.03.02 14..02.28 459 - 11.07.12 14.02.28 199 - 11.03.02 14.02.28 842 - 11.05.02 14.02.28 364 - 11.03.02 14.02.28 977 - 11.03.02 14.02.28 974 - Unit 11.03.02 14.02.28 678 - 11.05.06 14.02.28 184 - 11.03.02 14.02.28 433 - 11.09.22 14.02.28 328 - 11.05.06 14.04.30 342 - 11.03.02 14.02.28 1,643 - 11.03.02 14.02.28 168 - 11.09.30 14.02.28 1,380 - 11.03.02 14.02.28 684 - 11.03.02 14.02.28 726 - Unit 11.09.01 14.08.31 1,475 - 11.11.01 14.10.31 1,822 - 11.11.01 14.10.31 2,578 -
KB
11.03.02 14.03.01 6,135 -
KB
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-
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10 10 10 10
150 300
250 500
700 1,000
500 1,000 500 1,000
600 900
500 1,000 500 1,000
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2011 | 99
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2011 | 100
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2011 | 101
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( SOHO ) : , () 100,000
1~300 301~400 401~500 500
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150,000 300,000 500,000
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()
1~100 101~300 300
100,000 200,000 250,000
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-
2011 | 102
.
X Spread Spread
USD 1.75% 1.75%
JPY 1.70% 1.70%
EUR 1.97% 1.97%
GBP,AUD,NZD,CAD,HKD,SGD,CHF 1.99% 1.99%
CNY 3.00% 4.00%
SEK,DKK,NOK 2.50% 2.50%
SAR,KWD,AED,BHD,MYR 8.00% 6.00%
IDR 14.00% 14.00%
THB 5.96% 5.96%
ZAR 3.00% 4.00%
RUB 8.00% 8.00%
HUF,EGP,ILS,JOD 5.00% 8.00%
PLN 7.00% 8.00%
INR 6.00% 8.00%
PKR,BDT,MXN,BRL 5.00% 12.00%
PHP 6.00% 12.00%
BND 4.00% 6.00%
VND 12.00% 12.00%
KZT 15.00% 15.00%
TWD 4.00% 7.00%
80%
X Spread Spread
USD,JPY,EUR,GBP,CAD,AUD 1.20%
CNY 6.00%
80%
X Spread Spread
USD,JPY,CNY 0.95% 0.95%
EUR 0.98% 0.98%
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2011 | 106
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2011 | 107
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Aaa ~ Baa3 (10) AAA ~ BBB-
(10) AAA ~ BBB-
(10)
Ba1 ~ C (11) BB+ ~ SD D
(12) BB+ ~ D (14)
P-1 ~ P-3 (3) A-1+ ~ A-3
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NP (1)
B ~ SD D (6)
B ~ D (3)
*
Moody's S&P Fitch
Aaa AAA AAA (Best)
Aa1 Aa2 Aa3
AA+ AA AA-
AA+ AA AA-
Aaa (High Quality)
A1 A2 A3
A+ A A-
A+ A A-
(Upper-Medium Grade)
Baa1 Baa2 Baa3
BBB+ BBB BBB-
BBB+ BBB BBB-
(Medium Grade)
Ba1 Ba2 Ba3
BB+ BB BB-
BB+ BB BB-
, (Partially Speculative)
B1 B2 B3
B+ B B-
B+ B B-
(Speculative)
Caa1 Caa2 Caa3
CCC+ CCC CCC-
CCC+ CCC CCC-
(Maybe in Default)
Ca CC CC (Often in Default) C C C (Extremely Poor)
SD D DDD DD D
(Bankruptcy)
-
2011 | 108
*
Moody's S&P Fitch
P-1 (Prime-1)
A-1+ A-1
F1+ F1
P-2 (Prime-2) A-2 F2
Prime-1 . , .
P-3 (Prime-3) A-3 F3
.
B B-1 B-2 B-3
B
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EaR(Earning at Risk) VaR(Value at Risk) .
-
2011 | 109
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2011 | 110
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2011 | 111
59. . ()
11 : 2011 12 31 10 : 2010 12 31
( : )
11 10 11 10
4,494,434 2,937,827 18,196,454 13,525,126
11,299,190 9,389,166 1,354,214 2,645,956
3,030,371 3,225,561 528,742 555,253
300,178 570,418 86,619 81,490
-4,666 -5,197
1,046,522 690,050
20,166,029 16,807,825 20,166,029 16,807,825 . ()
11 : 2011 11 201112 31 10 : 2010 11 201012 31
( : )
11 10 11 10
147,853 91,219 647,471 626,323
450,243 482,373 27,902 28,051
98,440 84,544 47,424 23,996
3,292 10,190 4,826 1,932
1,789 1,296 19,033 29,235
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85,176 79,041 11,774 7,699
2 2 5,262 5,247
23,178 13,940 125,692 105,146
951 1,454 6,083 6,980
4,204 5,808 2 102
84,160 67,476 3,819 2,632
899,292 837,343 899,292 837,343
-
2011 | 112
60. ()
( : , %)
2011 2010
161,882 87.46 4.03 122,361 81.72 5.16
- - - - - -
161,882 87.46 4.03 122,361 81.72 5.16
17,714 9.57 1.58 22,210 14.83 1.26
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23,218 12.54 1.21 27,380 18.28 1.02
185,100 100.00 3.68 149,741 100.00 4.40
2,070 1.12 6.30 2,498 1.67 7.54
109,517 59.17 4.31 85,618 57.17 5.67
1,234 0.67 3.15 1,453 0.97 2.27
67,644 36.54 3.54 55,026 36.75 2.91
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( ) - - - - - -
180,395 97.46 4.04 144,515 96.51 4.62
4,705 2.54 - 5,226 3.49 -
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2011 | 113
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2011 | 114
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2011 2,418,277
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2011 | 115
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9
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() 3.05 3.50 3.25 3.89 4.73
KB() 2.68 3.05 2.62 5.84 4.94
KB() 3.12 3.55 3.29 3.86 4.49
(1) 3.12 3.57 3.30 3.95 4.67
() 3.07 3.48 3.23 3.92 5.16
() 2.78 2.72 2.11 5.02 5.01
(1) 3.09 3.50 3.24 3.91 5.13
1 4.22 4.20 4.18 4.19 7.34
2 4.25 4.23 4.20 4.20 7.45
1)
2)
, = (-)/ 100(365/)
=
-
2011 | 116
63.
. () 11 : 2011 12 31 10 : 2010 12 31
( : ) 11() 10()
[ ] . 4,494,434 2,937,827
. 11,299,190 9,389,166
666,566 327,272
806,032 630,712
7,781 14,546
823,698 1,150,155
1,397,751 1,231,546
3,552 -
3,470,239 3,887,306
938,608
3,183,485
1,478
721,039
1,425,080
1,510
. 3,030,371 3,225,561
4,803 6,868
42,647 24,967
168,098 158,108
36 49,073
140,000 60,000
1,800,000 997,000
874,787 1,929,545
.
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300,178
-4,666
570,418
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7
7,375
21
8,705
158,448
8,888
114,019
13,604
482 2,681
871,322 551,020
20,166,029 16,807,825
-
2011 | 117
11() 10()
[ ]
. 18,196,454 13,525,126
73 84
25,862 30,458
22,657 24,680
123 143
4,854 5,593
2,034 2,319
5,255 5,983
1,643,404 1,633,615
23,489 27,132
3,247 3,880
18,946 23,985
129,249 320,971
10,473,386 7,557,232
10 10
28,073 63,347
65,082 65,858
9,409 12,967
49 264
1,020,051 893,893
4,721,201 2,852,712
. 1,354,214 2,645,956
223,170 186,195
830,866 1,889,343
300,178 570,418
. 528,742 555,253
4,365
391,348
2,704
411,763
59,328 50,598
66,244
7,457
85,572
4,616
. 86,619 81,490
20,166,029 16,807,825
-
2011 | 118
. ()
11 : 2011 1 1 2011 12 31 10 : 2010 1 1 2010 12 31
( : )
11() 10()
[ ]
. 147,853 91,219
. 450,243 482,373
4,343 4,945
28,590 38,454
464 862
48,027 40,095
67,382 64,654
52 3,633
203,150 188,303
98,235 141,427
. 98,440 84,544
. 3,292 10,190
. 1,789 1,296
. 4 -
. 85,176 79,041
637 847
2,220 1,329
9,398 14,153
854 2,696
3,888 3,295
46,712 31,978
21,467 24,743
. 2 2
. 23,178 13,940
. 951 1,454
.
.
4,204
84,160
5,808
67,476
899,292 837,343
-
2011 | 119
11() 10()
[ ]
. 647,471 626,323
1 1
1,344 2,437
929 1,182
4 4
182 159
59 102
6 4
68,408 73,876
772 3,008
118 153
486 733
6,121 14,177
404,221 412,546
642 6,839
2,400 3,241
406 418
4 9
31,806 38,706
129,562 68,728
. 27,902 28,051
6,827 4,407
21,075 23,644
. 47,424 23,996
. 4,826 1,932
. 19,033 29,235
. 4 -
. 11,774 7,699