3Q 2021 Investor Presentation

IM Bank

IM #

www.dgbfg.co.kr

3Q 2021 Financial Results

Disclaimer

DGB Life Insurance's financial statements of 2018, 2019, 2Q20, 3Q20 have been restated retrospectively due to new accounting policy related to guarantee reserve. Accordingly, group financial results have been restated and reflected in this IR Book.

This preliminary financial results is based on the Korean International Financial Reporting Standards(K-IFRS) and contained herein has not been reviewed and audited by independent auditors.

The information contained herein is subject to change without further notice.

Some information contained herein has not reflected accounting policy changes for effective historical analysis.

Some of the totals may not sum due to rounding.

This material, Factbook, and financial statement are available at our website, www.dgbfg.co.kr.

For more information, refer to our business report, Factbook, annual report, and financial statement.

DGB Financial Group undertakes no obligation regarding any investment judgment based on such statements or figures.

Contents

D G B F i n a n c i a l G r o u p

D G B D a e g u B a n k

N o n - B a n k

DGB Financial Group Structure

Financial Results Highlight

Key Indicators

Capital Adequacy / Dividend

Group Strategies for Future Growth

Condensed BS

Income Summary

Regional Economy

General Information

Income Summary / NIM

Asset Quality / Delinquency

Assets & Liabilities

Loan Portfolio / Collateral

Deposit Structure & Core Deposit

Capital Adequacy

Hi Investment & Securities

DGB Life

DGB Capital

Hi Asset Management

DGB Financial Group

DGB Financial Group Structure	Page 05
Financial Results Highlight	Page 06
Key Indicators	Page 09
Capital Adequacy / Dividend	Page 10
Group Strategies for Future Growth	Page 12
Condensed BS	Page 13
Income Summary	Page 14

DGB Financial Group(Organizational Structure)

• Total Assets 92.1 tr.

∙ Employees 4,827

(Overseas local employees excluded)

• Net Income 417.5 bn.

∙ ROE	10.72%
∙ ROA	0.66%

• EST. 2011. 5. 17

∙ Total Assets 3.8 tr.

• Employees 93

This group structure is as of the end of 3Q21

Net Income is based on consolidated basis

Assets & net income are marked on KRW (Korean Won) Ownership described as percentage mark above

∙ Established in 1967. 10	∙ Branches	224	∙ ROE	8.89%
∙ Total Assets	70,759.0 bn.	∙ Net Income	285.6 bn.	∙ ROA	0.56%
∙ Acquired in	2018. 10	∙ Branches	26	∙ ROE	15.53%
∙ Total Assets	10,503.6 bn.	∙ Net Income	130.1 bn.	∙ ROA	1.59%
∙ Acquired in	2015. 1	∙ Branches	3	∙ ROE	5.89%
∙ Total Assets	6,802.0 bn.	∙ Net Income	12.0 bn.	∙ ROA	0.24%
∙ Acquired in	2012. 1	∙ Branches	10	∙ ROE	17.97%
∙ Total Assets	3,911.9 bn.	∙ Net Income	61.5 bn.	∙ ROA	2.18%

∙ Acq. in	2016. 10	∙ Total Assets	42.9 bn.	∙ Net Income	3.3 bn.
∙ Acq. in	2013.	3	∙ Total Assets	35.7 bn.	∙ Net Income	-0.5 bn.
∙ Est. in	2012. 4	∙ Total Assets	16.4 bn.	∙ Net Income	0.6 bn.
∙ Est. in	2000.	7	∙ Total Assets	5.6 bn.	∙ Net Income	0.2 bn.
∙ Acq. in	2021.	4	∙ Total Assets	10.0 bn.	∙ Net Income	0.4 bn.
∙ Acq. in	2021. 8	∙ Total Assets	3.3 bn.	∙ Net Income	0.0 bn.