KB Financial Group Inc. (NYSE:KB) Q2 2021 Earnings Conference Call July 22, 2021 3:00 AM ET Company Participants Peter Kwon - Head of IR Ki Hwan Ju - SVP and CFO Conference Call Participants Kim Jae Woo - Samsung Securities Kim Jin-Sang - Hyundai Motor Securities Kim Do Ha - Hana Investment Securities Lee Byung Gun - DB Financial Investment Peter Kwon Greetings. I am Peter Kwon, Head of IR at KB Financial Group. We will now begin the 2021 First Half Earnings Release Presentation. I would like to express my ...

LIBOR Transition and Financial Risks - Kookmin Bank aims to transition away from LIBOR by amending existing agreements to alternative reference rates by Q3 2021 and cease using LIBOR in new agreements by the end of 2021[114]. - The transition from LIBOR could lead to increased financial, operational, and legal risks, particularly for contracts maturing after the announced deadlines[115]. Capital Adequacy and Regulatory Compliance - As of December 31, 2020, Kookmin Bank's common equity Tier I capital adequacy ratio was 13.30%, exceeding the minimum requirement of 8.0%[127]. - The implementation of Basel III regulations may significantly affect the capital requirements for Kookmin Bank and other Korean financial institutions[128]. - The company may require additional capital in the future to comply with stricter capital adequacy and regulatory requirements, which may not be obtainable on favorable terms[129]. - Kookmin Bank's capital adequacy ratios may deteriorate if asset quality declines, particularly in retail loans and loans to small- and medium-sized enterprises[127]. Market and Economic Conditions - Interest rates in Korea have fluctuated significantly, with the Bank of Korea lowering its policy rate to 0.50% in May 2020 in response to economic conditions, which could impact the company's debt securities portfolio and funding costs[130]. - A sustained increase in interest rates could lead to a decline in the value of the company's debt securities and increase the interest costs for retail and corporate borrowers, potentially affecting their repayment ability[131]. - The ongoing global COVID-19 pandemic has negatively impacted the Korean economy, which may affect the company's performance and operational strategies[146]. - Fluctuations in global financial markets and commodity prices have contributed to uncertainty in the Korean economy, potentially affecting the company's financial condition[147]. - Developments such as declines in consumer confidence and severe health pandemics could adversely impact the Korean economy and, consequently, the company's business[149]. - The unemployment rate in Korea increased from 3.8% in 2018 and 2019 to 4.0% in 2020, indicating potential economic difficulties[152]. Operational and Compliance Challenges - Strengthened consumer protection laws in Korea may limit the company's operational flexibility and increase compliance costs, potentially affecting business performance[136]. - The company is subject to regulatory scrutiny, and if deemed financially unsound, it may face burdensome measures that could adversely affect its operations and financial condition[141]. - The bank's risk management strategies may be limited in effectiveness during significant market stress or unforeseen circumstances[112]. - Kookmin Bank's operations are subject to increasing cyber security risks, which could lead to financial losses and reputational damage[124]. Market Dynamics and Investment Risks - The Korean National Pension Service held approximately 9.93% of the total issued common stock as of December 31, 2020, which may impact market dynamics if sold[153]. - The KRX KOSPI Market experienced substantial fluctuations, with the KOSPI at 3,217.5 on April 26, 2021, reflecting market volatility[164]. - The market value of investments in ADSs may fluctuate due to the volatility of the Korean securities market, which is more volatile than U.S. and European markets[164]. - The economic impact of geopolitical tensions, particularly with North Korea, could pose risks to market stability[156]. - The Korean government has historically influenced the private sector, which could lead to sudden movements in market prices[165]. Lending Practices and Household Debt - The Korean government may promote lending to specific sectors, which could influence the company's lending practices and financial support decisions[137]. - Increased household debt and rising delinquencies among borrowers could adversely affect the financial condition of Korean companies[152]. - The potential for labor unrest in Korea may adversely affect operations and financial conditions of companies[152]. - The Korean government may impose restrictions on converting and remitting dividends in U.S. dollars during emergency circumstances, affecting cash flows[167]. - Ownership of common stock is restricted under Korean law, with limits set at 10.0% for single stockholders and 4.0% for non-financial business group companies[155].

KB Financial Group, Inc. (NYSE:KB) Q1 2021 Earnings Conference Call April 22, 2021 3:00 AM ET Company Participants Peter Kwon - IR Ki Hwan Ju - SVP and CFO Lee Chang Kwon - CSO Conference Call Participants Kim Jae Woo - Samsung Securities Kim Jin-Sang - Hyundai Motor Securities Kim Do Ha - Cape Investment Lee Byung Gun - DB Securities Cho Jihyun - JPMorgan Peter Kwon Greetings. I am Peter Kwon, Head of IR at KB Financial Group. We will now begin the 2021 Q1 Earnings Release Presentation. I would like to exp ...

고객의 행복과 더 나은 세상을 만들어 갑니다 2020 Business Results Feb. 2021 *6 KB Financial Group $POUFOUT * 'JOBODJBM)JHIMJHIUT ** ,FZ5BLFBXBZT *** 'JOBODJBM"OBMZTJT *7 "TTFU2VBMJUZ 7 'JOBODJBM)JHIMJHIUTPG.BKPS4VCTJEJBSJFT 7* "QQFOEJY %JTDMBJNFS4UBUFNFOU 3FQPSUJOH4UBOEBSET ,*'34 *UJTDVSSFOUMZCFJOHSFWJFXFECZUIF(SPVQsTJOEFQFOEFOUBVEJUPS BOEBDDPSEJOHMZ JTTVCKFDUUPDIBOHF IFSFJOIBWFOPUCFFOSFTUBUFESFUSPTQFDUJWFMZ IBWFCFFOSFTUBUFESFUSPTQFDUJWFMZ TJODF4FQUFNCFS 5PUBMNBZOPUTVNEVFUPSPVOEJOH I. 2020 Financial Highlights _ Overview Grou ...

KB Financial Group Inc. (NYSE:KB) Q4 2020 Earnings Conference Call February 4, 2021 2:00 AM ET Company Participants Peter Kwon – Head of Investor Relations Ki-Hwan Joo – Chief Financial Officer and Senior Executive Vice President Conference Call Participants Peter Kwon Greetings, I am Peter Kwon, the Head of IR at KBFG. We will now begin the 2020 Q4 Business Results Presentation. I would like to express my deepest gratitude to you for participating in our call. We have here with us our group CFO and SEVP, K ...

KB Financial Group, Inc. (NYSE:KB) Q3 2020 Earnings Conference Call October 22, 2020 3:00 AM ET Company Participants Peter Kwon - Head of IR Kim Ki-Hwan - Senior EVP & CFO Lee Chang Kwon - Senior EVP, Head, Global Business Unit & Chief Strategy Officer Conference Call Participants Kim Jin-Sang - Hyundai Motor Securities Choi Jung Wook - Hana Financial Investment Kim Jaewoo - Samsung Securities Kim Do Ha - Cape Investment & Securities Peter Kwon Greetings. I am Peter Kwon, the Head of IR at KBFG. We will now ...

KB Financial Group Inc. (NYSE:KB) Q2 2020 Results Earnings Conference Call July 21, 2020 3:00 AM ET Company Participants Peter Kwon - Head, Investor Relations Kim Ki-Hwan - Chief Financial Officer and Deputy President Conference Call Participants Kim Jin-Sang - Hyundai Motor Securities Kim Jaewoo - Samsung Securities Baek Doo-san - Korea Investment & Securities Choi Jung-wook - Hana Financial Investment Kim Do-ha - Cape Investment & Securities Peter Kwon Greetings. I am Peter Kwon, the Head of IR at KBFG. W ...

고객의 행복과 더 나은 세상을 만들어 갑니다 1H20 Business Results July, 2020 *6 KB Financial Group Contents I. 1H20 Financial Highlights II. 1H20 Financial Analysis III. 1H20 Asset Quality IV. 1H20 Financial Highlights of Major Subsidiaries V. Appendix Disclaimer Statement 1. The consolidated financial information of KB Financial Group Inc. (the "Group") presented herein is based on the Korean International Financial Reporting Standards(K-IFRS). It is currently being reviewed by the Group's independent auditor, and accordingl ...

Table of Contents As filed with the Securities and Exchange Commission on April 24, 2020 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) | ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 | | --- | | OR | | ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | | For the fiscal year ended December 31, 2019 | | OR | | ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURIT ...

KB Financial Group Inc. (NYSE:KB) Q1 2020 Earnings Conference Call April 23, 2020 3:00 AM ET Company Participants Jong-Kyoo Yoon – Chairman and Chief Executive Officer Peter Kwon – Head, Investor Relations Kim Ki-Hwan – Chief Financial Officer and Deputy President Lee Chang-Kwon – Deputy President, Chief Strategy Officer, Head of Global Business Unit Conference Call Participants Kim Jin-Sang – Hyundai Motor Securities Kim Jaewoo – Samsung Securities Seo Young-soo – Kiwoom Securities Peter Kwon Greetings. I ...