�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)

현금및예치금

�1�.� 현금

�2�.� 외국통화

�3�.� 예치금

유가증권

�1�.� 단기매매증권

�2�.� 매도가능증권

�3�.� 만기보유증권

�4�.� 지분법적용투자주식

대출채권

�(대손충당금�)

이연대출부대비용

�1�.� 콜론

�2�.� 내국수입유산스

�3�.� 신용카드채권

�4�.� 매입외환

�5�.� 매입어음

�6�.� 환매조건부채권매수

�7�.� 대출금

�8�.� 팩토링채권

�9�.� 지급보증대지급금

�1�0�.� 사모사채

�1�1�.� 출자전환채권

유형자산

�1�.� 유형자산

�(감가상각누계액�)

�(손상차손누계액�)

자산Assets

계정과목Description 제�7기 제�6기 제�5기

Cash & Due from Banks

Cash & Checks

Foreign Currency

Due from Banks

Securities

Trading Securities

Available-for-sale Securities

Held-to-maturity Securities

Investment Stock Using the Equity Method

Loans

(Allowance for Credit Losses)

Loan Origination Cost

Call Loans

Domestic Import Usance Bill

Credit Card Accounts

Bills Bought in Foreign Currency

Bills Bought in Won

Bonds Purchased under Resale Agreements

Loans & Discounts

Factoring Receivables

Advances for Customers

Private Placement Corporate Bonds

Loans Debt-Equity Swap

Tangible Assets

Tangible Assets

(Accumulated Depreciation)

(Accumulated Impairment Losses)

6,544,754

2,287,607

189,463

4,067,684

30,777,359

5,013,286

13,870,764

11,042,998

850,311

171,549,993

(2,501,865)

178,858

1,665,800

1,710,427

10,435,991

1,622,013

152,009

-

152,049,279

20,638

28,695

6,186,180

1,968

2,298,743

3,951,893

(1,636,783)

(16,367)

6,568,306

2,725,644

151,406

3,691,256

29,382,480

2,589,719

15,113,898

10,939,331

739,532

149,867,182

(2,360,867)

138,338

1,247,109

1,256,747

8,667,740

1,270,314

16,587

500,000

131,579,881

30,948

19,209

7,499,208

1,968

2,137,732

3,855,268

(1,702,001)

(15,535)

5,867,418

2,683,479

150,403

3,033,536

30,550,299

3,551,425

16,180,784

10,228,573

589,517

135,738,407

(2,453,275)

52,025

1,518,948

1,326,629

7,571,605

1,377,085

18,563

-

122,553,595

32,044

11,321

3,729,867

-

2,038,244

3,670,602

(1,620,892)

(11,466)

제�7기�_ �2�0�0�7년 �1�2월 �3�1일 현재 (December 31, 2007)

제�6기�_ �2�0�0�6년 �1�2월 �3�1일 현재 (December 31, 2006)

제�5기�_ �2�0�0�5년 �1�2월 �3�1일 현재 (December 31, 2005)

재산상태� 및� 영업실적| FINANCIAL INFORMATION

대차대조표�(은행계정�)� Balance Sheet (Banking accounts)

12 www.kbstar.com

�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)

기타자산

�(대손충당금�)

�1�.� 예치보증금

�2�.� 미수금

�3�.� 미수수익

�4�.� 선급비용

�5�.� 이연법인세자산

�6�.� 파생상품자산

�7�.� 미회수내국환채권

�8�.� 무형자산

�9�.� 비업무용자산

�(평가충당금�)

�1�0�.� 잡자산

자산총계

예수부채

�1�.� 요구불예금

�2�.� 기한부예금

�3�.� 양도성예금증서

차입부채

�1�.� 콜머니

�2�.� 매출어음

�3�.� 환매조건부채권매도

�4�.� 차입금

�5�.� 사채

�(사채할인발행차금�)

기타부채

�1�.� 미지급금

�2�.� 미지급비용

�3�.� 선수수익

�4�.� 수입제세

�5�.� 수입보증금

부채Liabilities

계정과목Description 제�7기 제�6기 제�5기

Other Assets

(Allowances for Credit Losses)

Guarantee Deposits Paid

Accounts Receivable

Accrued Revenues Receivable

Prepaid Expenses

Deferred Income Tax Debits

Derivatives instruments Assets

Domestic Exchange Settlements Debits

Intangible Assets

Non-business Use Property

(Valuation Allowance)

Sundry Assets

Total Assets

Depository Liabilities

Demand Deposits

Time Deposits

Negotiable Certificates of Deposits

Borrowings & Bonds Payable

Call Money

Bills Sold

Bonds Sold under Repurchase Agreements

Borrowings

Bonds payable

(Debentures Discount)

Other Liabilities

Accounts Payable

Accrued Expenses Payable

Unearned Revenues

Withholding Taxes

Deposits for Letter of Guarantees and Others

7,695,189

(114,132)

1,303,888

2,064,500

1,260,212

98,143

146,491

1,652,756

753,523

337,307

-

-

192,501

218,866,038

138,858,691

47,950,172

73,290,876

17,617,643

50,250,481

814,128

506,378

5,916,630

8,118,704

34,960,688

(66,047)

13,719,105

2,630,128

4,413,729

114,416

179,281

111,723

7,250,781

(102,212)

1,166,454

2,145,266

1,166,963

79,594

23,886

1,260,748

962,250

371,312

499

(169)

176,190

195,206,481

130,019,916

50,113,689

70,326,526

9,579,701

39,042,684

165,086

462,479

7,053,755

6,378,858

25,140,672

(158,166)

11,088,924

2,357,841

3,876,420

87,556

114,630

99,325

5,399,281

(47,502)

1,164,533

449,851

998,354

43,119

353,214

1,202,063

720,433

398,104

583

(230)

116,759

179,593,649

126,281,232

48,260,472

72,631,217

5,389,543

30,285,324

1,260,446

296,722

6,384,308

5,795,860

16,580,263

(32,275)

10,653,493

834,510

3,955,824

79,652

83,261

109,454

www.kbstar.com 13

�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)

�6�.� 대행업무수입금

�7�.� 미지급내국환채무

�8�.� 미지급외국환채무

�9�.� 대리점

�1�0�.� 파생상품부채

�1�1�.� 신탁계정미지급금

�1�2�.� 퇴직급여충당부채

�(퇴직보험예치금�)

�1�3�.� 지급보증충당부채

�1�4�.� 기타충당부채

�1�5�.� 잡부채

부채총계

자본금

�1�.� 보통주자본금

자본잉여금

�1�.� 주식발행초과금

�2�.� 기타자본잉여금

자본조정

�1�.� 자기주식

�2�.� 주식매입선택권

기타포괄손익누계액

�1�.� 매도가능증권평가이익

�2�.� 만기보유증권평가이익

�3�.� 지분법자본변동

�4�.� 부의지분법자본변동

이익잉여금

�1�.� 법정적립금

�2�.� 임의적립금

�3�.� 미처분이익잉여금

자본총계

부채와자본총계

자본Stockholders' Equity

계정과목Description 제7기 제6기 제5기

Accounts for Agency Businesses

Domestic Exchange Settlement Credits

Foreign Exchanges

Liability Incurred by Agency Relationship

Derivatives Instruments Liabilities

Borrowings from Trust Accounts

Allowance for Severance and Retirement Benefits

(Due from Insurance Retirement Benefits)

Allowance for Acceptances and Guarantees losses

Other Allowances

Sundry Liabilities

Total Liabilities

Capital Stock

Common Stock

Capital Surplus

Capital in Excess of Par Value

Other Capital Surplus

Capital Adjustment

Treasury Stock

Option for Purchasing Stock

Accumulated other inclusive gain(loss)

Gain on Valuation of Available-for-sale Securities

Gain on Valuation of Held-to-maturity Securities

Gain on Valuation of Investment Stock Using the Equity Method

Loss on Valuation of Investment Stock Using the Equity Method

Retained Earnings

Legal Reserve

Voluntary Reserve

Unappropriated Retained Earnings at the End of the Year

Total Stockholders' Equity

Total Liabilities and Stockholder's Equity

281,084

494,487

54,797

363,757

1,824,727

1,427,154

703,261

(471,882)

36,512

745,768

810,163

202,828,277

1,681,896

1,681,896

6,258,297

5,655,840

602,457

-

-

-

356,412

365,330

42

13,709

(22,669)

7,741,156

1,078,393

3,909,225

2,753,538

16,037,761

218,866,038

151,479

141,042

54,515

171,024

1,148,033

1,281,185

536,347

(334,979)

18,772

776,661

609,073

180,151,524

1,681,896

1,681,896

6,258,297

5,655,840

602,457

-

-

-

899,542

883,556

98

22,039

(6,151)

6,215,222

830,309

2,914,325

2,470,588

15,054,957

195,206,481

110,982

538,799

38,645

272,838

1,070,996

1,059,469

387,491

(236,529)

10,141

875,835

1,462,125

167,220,049

1,681,896

1,681,896

6,254,786

5,655,840

598,946

(5,772)

(9,660)

3,888

512,742

511,368

426

13,282

(12,334)

3,929,948

604,677

1,267,825

2,057,446

12,373,600

179,593,649

14 www.kbstar.com

�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)

지급보증

확정지급보증

미확정지급보증

약정

배서어음

파생상품거래

이자율관련거래

통화관련거래

기타파생상품거래

대손상각채권

창구매각유가증권

환매권부대출채권매각

주석Footnotes

계정과목Description 제7기 제6기 제5기

Guarantees and Acceptances

Guarantees and Acceptances Outstanding

Contingent Guarantees and Acceptances

Commitments

Bills Endorsed

Derivative Contracts

Contracts on Interest Rates

Contracts on Currency

Other Derivatives Transaction

Receivable Charge-offs

OTC Bonds Sold

Loans Sold under Repurchase Agreements

9,242,434

5,297,910

3,944,524

78,598,829

63

175,595,818

62,931,143

110,911,749

1,752,926

11,542,448

316,429

-

5,008,741

2,704,307

2,304,434

79,567,356

4,540

143,104,777

48,255,370

92,942,226

1,907,181

12,005,064

217,754

666

3,761,752

1,789,560

1,972,192

77,151,718

10,910

108,579,574

37,008,889

65,763,615

5,807,070

7,743,273

2,463

685

www.kbstar.com 15