Ta b l e o f C o n t e n t s E x h i b i t 9 9 . 1 K B F i n a n c i a l G r o u p I n c . a n d S u b s i d i a r i e s C o n s o l i d a t e d I n t e r i m F i n a n c i a l S t a t e m e n t s S e p t e m b e r 3 0, 2 0 2 1 a n d 2 0 2 0 ( U n a u d i t e d ) ( Wi t h I n d e p e n d e n t A u d i t o r s' R e v i e w R e p o r t T h e r e o n ) Table of Contents Contents | Independent Auditors' Review Report | Page 1 | | --- | --- | | Consolidated Interim Statements of Financial Position | 3 | | Consol ...

Financial Data and Key Indicators Changes - KB Financial Group reported a Q3 2021 net profit of KRW 1,297.9 billion, a 7.8% increase quarter-over-quarter, with a cumulative net profit of KRW 3,772.2 billion for the year, reflecting a 31.1% year-over-year growth [10][11][12] - The cumulative net interest income for Q3 was KRW 8,255.4 billion, up 15.6% year-over-year, while net fee and commission income reached KRW 2,743.9 billion, a 26.4% increase year-over-year [11][12] - The group's return on assets (ROA) and return on equity (ROE) stood at 0.81% and 11.85%, respectively, with a recurring ROE of 12.06% [17][22] Business Line Data and Key Indicators Changes - KB Bank's loans in won increased by 5.5% year-over-year, with household loans showing solid growth, particularly in Jeonse loans and Prime Unsecured loans [18] - Cumulative net fees and commission income from the investment banking (IB) business reported a significant increase, contributing to the overall growth despite a decline in stock trading volume [11][12] - The provision for credit losses decreased by KRW 157.8 billion year-over-year, reflecting improved credit quality management [14][15] Market Data and Key Indicators Changes - The bank's net interest margin (NIM) improved to 1.58%, a 2 basis point increase quarter-over-quarter, driven by selective loan pricing and low-cost deposit expansion [18][19] - The group's cost-to-income ratio (CIR) was reported at 46.6%, indicating ongoing cost management efforts [20] - The group's capital ratios remained strong, with a BIS ratio of 16.11% and a CET1 ratio of 13.91% [22] Company Strategy and Development Direction - KB Financial Group aims to enhance its competitiveness in financial services through digital transformation, focusing on becoming the number one financial platform [6][8][23] - The company is expanding its presence in Southeast Asia and enhancing its global market competitiveness through strategic acquisitions [16] - The introduction of the KB Star Banking platform is a key initiative to integrate services and improve customer engagement [25][26] Management's Comments on Operating Environment and Future Outlook - Management expressed concerns over the operational backdrop due to inflationary pressures and potential regulatory changes affecting the financial sector [4][5] - The company anticipates gradual improvement in NIM starting from Q4 2021, with expectations of further rate hikes in the coming year [35] - Management emphasized a conservative approach to asset quality management and proactive measures to mitigate risks associated with COVID-19 [21][66] Other Important Information - KB Financial Group has adopted a net-zero carbon strategy, aiming for carbon neutrality by 2050, and has received SBTi approval for its carbon reduction targets [9] - The company is focusing on enhancing its digital capabilities and customer personalization through the MyData service [27][58] Q&A Session All Questions and Answers Question: Impact of loan rise on NIM in Q4 and future capital utilization plans - Management indicated that the NIM is expected to improve in Q4 due to asset repricing and a focus on low-cost deposits, with plans to leverage capital for potential M&A opportunities [33][34][37] Question: Concerns over regulation risks and future profit trends - Management acknowledged the regulatory risks associated with household loans and emphasized a focus on sustainable performance rather than short-term profits [44][51][66] Question: Digital platform features and differentiation - Management assured that the new KB Star Banking app will be optimized for mobile use and will provide personalized services, leveraging the company's extensive user data [55][57][58] Question: KB Insurance performance and investment income factors - Management noted that investment income increased due to gains from the liquidation of positions in the equities market and alternative investments [61] Question: Concerns over vulnerable borrowers and provisioning plans - Management expressed confidence in their credit risk management and indicated that they are prepared for potential provisioning needs while maintaining a conservative approach [66]

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 ...