This Fact Book is simply published to help investors easily update our group financial results.
You need to know the followings before referring to this book.
☞ DGB Life Insurance's financial results for 2018, 2019, and 1H20 have been restated retrospectively due to new accounting policy
related to guarantee reserve. Accordingly, group financial results have been restated for the period of 2018, 2019, and 1H20.
☞ This book may contain the figures that were not been revised and updated
for various reasons such as changes in reporting standard, accounting policy, and other internal matters.
☞ This book may contain the figures which have not been audited by group's independent auditor and are subject to change.
☞ Therefore, actual results may differ and DGB Financial Group does not have obligation to update those figures.
You may refer to group's Annual Report at our group website below for actual results.
http://www.dgbfg.co.kr/ir0104.fg
☞ Lastly, the totals may not sum due to rounding.
http://www.dgbfg.co.kr/ir0104.fg
G_BS
Group Condensed B/S
Back to Home
(in bn won), Ending Balance
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Cash and Due
1,818.4
1,697.8
1,351.8
1,184.0
1,266.1
1,159.8
1,436.2
1,496.9
1,606.6
1,656.2
1,539.2
1,760.2
2,247.8
2,504.7
2,664.4
2,092.5
2,050.1
2,437.2
2,376.8
2,547.3
2,469.4
2,496.7
2,379.6
2,254.8
2,273.9
2,441.5
2,452.6
2,601.5
2,557.8
2,459.0
2,717.4
2,826.2
3,538.4
3,978.9
4,172.1
3,681.6
3,603.1
2,939.8
Securities
6,130.5
6,380.8
6,819.1
6,878.0
7,335.1
7,588.5
7,551.9
7,613.6
7,615.1
7,541.2
7,588.8
7,565.5
12,074.4
12,381.8
12,275.6
12,375.2
12,297.4
12,018.1
12,420.9
12,675.1
12,988.9
13,168.1
13,291.4
13,301.7
13,396.7
13,585.0
13,733.2
18,183.9
19,277.1
19,308.6
19,010.2
19,282.7
20,280.4
21,037.1
21,168.8
21,373.5
21,903.9
22,125.5
Loans
22,510.3
23,031.6
23,474.5
24,159.9
24,759.7
26,072.0
26,288.4
26,290.0
26,966.5
28,161.3
29,272.5
30,365.1
31,718.9
32,999.7
33,095.2
34,152.8
35,277.2
36,275.9
35,922.5
36,151.0
37,150.7
38,171.5
38,700.7
39,083.9
39,546.7
39,256.3
39,931.4
40,827.0
41,811.9
43,018.9
43,759.9
46,587.1
47,654.9
48,520.7
49,461.0
50,801.1
53,796.8
56,324.9
Derivative Assets
79.3
78.0
67.8
80.3
60.3
85.5
93.8
70.8
45.9
62.7
51.6
56.2
50.9
54.1
75.0
44.1
115.2
65.5
135.8
122.8
100.2
44.6
44.6
119.8
63.1
128.0
57.8
55.3
73.1
90.6
102.3
97.9
150.9
78.0
74.3
175.5
103.9
63.4
Tangible & Investment Assets
383.7
400.2
398.1
399.4
399.0
396.9
399.2
403.7
406.2
404.2
413.0
418.0
458.5
465.7
475.2
483.3
489.6
509.1
525.7
528.6
526.2
516.0
535.9
569.1
590.9
845.8
903.1
956.8
981.6
979.2
980.0
989.6
979.9
972.8
978.7
977.3
976.3
976.9
Intangible Assets
83.3
80.4
77.2
73.7
95.5
89.7
96.0
91.4
95.4
92.8
91.8
90.6
94.6
110.2
108.4
102.2
119.9
119.1
113.8
133.1
143.2
150.0
143.6
148.0
176.2
173.7
171.0
199.8
195.3
185.9
189.5
185.5
212.8
214.9
207.3
209.3
218.8
239.0
Others
1,342.5
1,246.6
1,630.9
1,442.5
1,889.7
1,485.0
1,613.5
1,611.4
1,623.7
1,635.8
1,629.7
754.1
1,887.6
1,904.6
2,276.5
1,894.3
1,963.4
2,040.1
1,404.8
1,304.5
1,900.1
2,323.1
2,748.3
1,256.5
1,953.7
2,770.4
2,081.5
2,089.5
3,884.8
3,424.2
2,980.4
2,435.4
2,490.1
3,440.3
3,584.2
2,753.5
2,894.2
3,657.0
Total Assets
32,348.0
32,915.4
33,819.4
34,217.8
35,805.4
36,877.4
37,479.0
37,577.8
38,359.4
39,554.2
40,586.6
41,009.7
48,532.7
50,420.8
50,970.3
51,144.4
52,312.8
53,465.0
52,900.3
53,462.4
55,278.7
56,870.0
57,844.1
56,733.8
58,001.2
59,200.7
59,330.6
64,913.8
68,781.6
69,466.4
69,739.7
72,404.4
75,307.4
78,242.7
79,646.4
79,971.8
83,497.0
86,326.5
Trust Assets
2,301.3
2,259.7
3,330.1
3,647.4
3,733.1
4,161.5
4,061.5
4,164.7
4,906.8
4,904.6
5,141.0
4,971.2
5,351.8
5,928.7
5,551.1
5,911.2
6,353.2
6,869.9
8,402.4
8,552.3
8,637.0
8,344.9
10,363.9
10,371.7
10,756.1
10,605.7
9,669.4
9,244.5
9,189.1
8,455.6
9,044.0
8,221.4
8,285.7
7,993.9
7,598.3
5,841.5
6,090.8
5,791.7
Total Assets(Trust Included)
34,649.3
35,175.1
37,149.5
37,865.2
39,538.5
41,038.9
41,540.5
41,742.5
43,266.2
44,458.8
45,727.6
45,980.9
53,884.5
56,349.5
56,521.4
57,055.6
58,666.0
60,334.9
61,302.7
62,014.7
63,915.7
65,214.9
68,208.0
67,105.5
68,757.3
69,806.4
69,000.0
74,158.3
77,970.7
77,922.0
78,783.7
80,625.8
83,593.1
86,236.6
87,244.7
85,813.3
89,587.8
92,118.2
Depository Liabilities
22,831.7
23,615.2
23,520.3
24,520.8
25,785.9
26,599.5
26,156.6
26,784.4
27,896.7
28,985.7
29,768.1
30,747.0
31,985.4
33,475.9
32,956.2
33,493.4
34,259.3
34,722.7
34,526.1
35,385.5
35,967.6
36,701.9
37,202.4
37,839.7
37,709.6
37,740.6
38,182.7
38,729.5
39,610.2
40,415.1
41,046.4
42,758.2
43,825.5
45,114.2
46,050.9
47,248.0
49,205.0
51,334.4
Borrowings and Bonds
5,496.1
5,391.4
5,742.7
5,315.5
5,153.5
5,548.8
6,193.3
5,491.5
5,117.1
5,373.8
5,425.2
5,646.0
5,584.0
5,899.6
6,239.4
6,475.3
6,667.2
7,076.4
7,054.0
7,282.3
7,685.7
8,005.8
8,106.8
7,751.0
8,159.7
8,286.3
8,071.9
11,746.2
12,103.1
13,238.1
12,581.4
12,633.4
15,193.6
16,671.8
16,183.8
16,151.8
15,834.9
14,437.7
Derivative Liabilities
43.6
43.1
26.2
31.9
42.7
84.9
52.7
48.3
26.1
52.6
44.6
43.9
31.8
53.5
74.0
36.7
107.8
55.4
128.2
138.5
83.3
44.6
50.5
98.6
51.2
126.1
52.2
109.5
108.7
136.2
174.0
141.5
302.1
233.7
217.5
258.2
138.2
102.7
Others
1,644.4
1,465.4
2,036.7
1,826.3
2,248.3
1,840.8
2,182.9
2,255.1
2,297.5
2,037.1
2,159.5
1,361.3
7,312.5
7,304.9
7,924.3
7,361.8
7,439.8
7,665.9
7,186.5
6,683.8
7,524.0
8,003.5
8,304.4
6,848.7
7,650.8
8,502.4
8,288.9
9,273.6
11,830.5
10,426.2
10,504.5
11,463.7
10,423.1
10,549.3
11,375.8
10,509.8
12,415.5
14,391.2
Total Liabilities
30,015.8
30,515.1
31,325.9
31,694.5
33,230.4
34,074.0
34,585.5
34,579.3
35,337.4
36,449.2
37,397.4
37,798.2
44,913.7
46,733.9
47,193.9
47,367.2
48,474.1
49,520.4
48,894.8
49,490.1
51,260.6
52,755.8
53,664.1
52,538.0
53,571.3
54,655.4
54,595.7
59,858.8
63,652.5
64,215.6
64,306.3
66,996.8
69,744.3
72,569.0
73,828.0
74,167.8
77,593.7
80,266.0
Trust Liabilities
2,301.3
2,259.7
3,330.1
3,647.4
3,733.1
4,161.5
4,061.5
4,164.7
4,906.8
4,904.6
5,141.0
4,971.1
5,351.8
5,928.7
5,551.1
5,911.2
6,353.2
6,869.9
8,402.4
8,552.3
8,637.0
8,344.9
10,363.9
10,371.7
10,756.1
10,605.7
9,669.4
9,244.5
9,189.1
8,455.6
9,044.0
8,221.4
8,285.7
7,993.9
7,598.3
5,841.5
6,090.8
5,791.7
Total Liabilities(Trust Included)
32,317.1
32,774.8
34,656.0
35,341.9
36,963.5
38,235.5
38,647.0
38,744.0
40,244.2
41,353.8
42,538.4
42,769.3
50,265.5
52,662.6
52,745.0
53,278.4
54,827.3
56,390.3
57,297.2
58,042.4
59,897.6
61,100.7
64,028.0
62,909.7
64,327.4
65,261.1
64,265.1
69,103.3
72,841.6
72,671.2
73,350.3
75,218.2
78,030.0
80,562.9
81,426.3
80,009.3
83,684.5
86,057.7
Total stockholder's Equity
2,332.2
2,400.3
2,493.5
2,523.3
2,575.0
2,803.4
2,893.5
2,998.5
3,022.0
3,105.0
3,189.2
3,211.6
3,619.0
3,686.9
3,776.4
3,777.2
3,838.7
3,944.6
4,005.5
3,972.3
4,018.1
4,114.2
4,180.0
4,195.8
4,429.9
4,545.3
4,734.9
5,055.0
5,129.1
5,250.8
5,433.4
5,407.6
5,563.1
5,673.7
5,818.4
5,804.0
5,903.3
6,060.5
Capital Stock
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
845.3
845.3
845.3
845.3
845.3
845.3
845.3
845.3
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
Total Liabilities & Equity
32,348.0
32,915.4
33,819.4
34,217.8
35,805.4
36,877.4
37,479.0
37,577.8
38,359.4
39,554.2
40,586.6
41,009.8
48,532.7
50,420.8
50,970.3
51,144.4
52,312.8
53,465.0
52,900.3
53,462.4
55,278.7
56,870.0
57,844.1
56,733.8
58,001.2
59,200.7
59,330.6
64,913.8
68,781.6
69,466.4
69,739.7
72,404.4
75,307.4
78,242.7
79,646.4
79,971.8
83,497.0
86,326.5
Total Liabilities & Equity(Trust Included)
34,649.3
35,175.1
37,149.5
37,865.2
39,538.5
41,038.9
41,540.5
41,742.5
43,266.2
44,458.8
45,727.6
45,980.9
53,884.5
56,349.5
56,521.4
57,055.6
58,666.0
60,334.9
61,302.7
62,014.7
63,915.7
65,214.9
68,208.0
67,105.5
68,757.3
69,806.4
69,000.0
74,158.3
77,970.7
77,922.0
78,783.7
80,625.8
83,593.1
86,236.6
87,244.7
85,813.3
89,587.8
92,118.2
G_IS
Group Condensed I/S
Back to Home
(in bn won)
2012
FY 2012
2013
FY 2013
2014
FY 2014
2015
FY 2015
2016
FY 2016
2017
FY 2017
2018
FY 2018
2019
FY 2019
2020
FY 2020
2021
1H21
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Total Income
268.7
238.4
246.2
224.3
977.6
247.1
240.0
248.1
252.0
987.2
240.3
263.1
273.7
262.0
1,039.1
312.8
315.5
280.7
284.2
1,193.2
328.8
303.3
295.0
294.7
1,221.8
319.4
310.1
320.8
317.0
1,267.3
329.5
327.1
335.6
344.3
1,336.5
399.6
404.2
375.2
345.5
1,524.5
413.1
465.7
449.6
460.3
1,788.7
461.6
535.7
997.3
Interest Income
233.1
232.2
228.9
230.2
924.4
226.4
232.6
237.1
245.6
941.7
246.6
257.7
259.6
258.0
1,021.9
290.2
287.5
288.8
294.0
1,160.5
294.1
297.1
301.1
309.8
1,202.1
311.3
321.7
327.8
330.6
1,291.4
342.5
347.9
348.9
340.1
1,379.4
351.6
354.7
351.2
353.5
1,411.0
353.1
353.7
358.5
363.4
1,428.7
375.6
393.5
769.1
Non-Interest Income
35.6
6.2
17.3
-5.9
53.2
20.7
7.4
11.0
6.4
45.5
-6.3
5.4
14.1
4.0
17.2
22.6
28.0
-8.1
-9.8
32.7
34.7
6.2
-6.1
-15.1
19.7
8.1
-11.6
-7.0
-13.6
-24.1
-13.0
-20.8
-13.2
4.1
-42.9
48.0
49.5
24.0
-8.0
113.5
60.0
112.0
91.1
96.9
360.0
86.0
142.2
228.2
SG&A (-)
110.0
110.3
117.5
155.8
493.6
110.5
116.2
121.8
159.4
507.9
114.4
126.7
123.3
179.6
544.0
134.3
140.8
149.1
203.0
627.2
137.3
147.6
156.5
197.6
639.0
146.8
148.6
159.2
222.3
676.9
151.9
167.8
172.0
325.3
817.0
220.2
219.3
231.3
279.4
950.2
228.4
242.7
262.0
289.2
1,022.3
242.1
273.8
515.9
Provisions (-)
43.2
26.7
21.5
19.6
111.0
36.5
48.7
6.2
48.9
140.3
50.3
36.0
47.2
37.7
171.2
41.0
52.2
63.7
66.1
223.0
60.3
42.1
43.9
49.6
195.9
51.4
43.2
41.6
45.0
181.2
48.2
13.7
54.2
70.9
187.0
46.4
45.7
39.9
36.6
168.6
51.4
82.3
56.1
86.6
276.4
41.1
28.2
69.3
Operating Income
115.5
101.4
107.2
48.9
373.0
100.1
75.1
120.1
43.7
339.0
75.6
100.4
103.2
44.7
323.9
137.5
122.5
67.9
15.1
343.0
131.2
113.6
94.6
47.5
386.9
121.2
118.3
120.0
49.7
409.2
129.4
145.6
109.4
-51.9
332.5
133.0
139.2
104.0
29.5
405.7
133.3
140.7
131.5
84.5
490.0
178.4
233.7
412.1
Non-Operating Income
-1.9
-5.2
-2.2
-0.7
-10.0
0.4
-2.5
-5.8
-1.8
-9.7
-0.4
-1.0
-1.4
-3.9
-6.7
5.1
-0.2
-1.9
-2.6
0.4
4.0
-0.8
-1.7
-0.6
0.9
2.0
5.6
1.2
-7.7
1.1
-1.8
1.6
1.1
150.5
151.4
14.0
-2.1
2.3
-7.9
6.3
-3.2
7.5
4.6
0.2
9.1
-0.7
-3.8
-4.5
Net Income
86.9
72.1
79.2
36.1
274.3
76.5
54.0
86.3
27.7
244.5
57.2
75.9
78.2
32.5
243.8
109.2
98.4
84.7
16.0
308.3
104.9
85.3
73.9
37.8
301.9
94.4
93.9
93.8
34.2
316.3
96.1
111.0
86.1
109.7
402.9
112.9
106.5
80.2
43.2
342.8
97.7
114.6
103.6
60.9
376.8
136.1
168.6
304.7
Net Income in Controlling Interest
86.9
72.1
79.2
36.1
274.3
76.5
53.2
84.0
24.5
238.2
53.7
72.4
74.7
28.9
229.7
105.6
94.9
81.1
12.5
294.1
101.3
81.8
70.4
34.2
287.7
90.9
90.4
90.3
30.6
302.2
91.8
106.4
80.4
101.8
380.4
103.8
97.8
70.5
35.2
307.3
88.2
102.8
91.2
50.1
332.3
123.5
155.3
278.8
G_BS (2)
3603.1
Group B/S(Official Announcement)
Back to Home
(in bn won), Ending Balance
IAS39
IFRS9
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
(IAS39)
(IFRS9)
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Assets
Ⅰ. Cash and Due from Banks
1,818.4
1,697.8
1,351.8
1,184.0
1,266.1
1,159.8
1,436.2
1,496.9
1,606.6
1,656.2
1,539.2
1,760.2
2,247.8
2,504.7
2,664.4
2,092.5
2,050.1
2,437.2
2,376.8
2,547.3
2,469.4
2,496.7
2,379.6
2,254.8
2,273.9
2,441.5
2,452.6
2,601.5
2,557.8
2,459.0
2,717.4
2,826.2
3,538.4
3,978.9
4,172.1
3,681.6
3,603.1
2,939.8
Ⅱ. Financial Assets Held for Trading & Financial Assets Designated at Fair Value Through Profit and Loss
Ⅱ. Financial Assets measured at Fair Value through Profit or Loss
189.5
182.8
234.0
177.3
400.6
371.9
419.6
382.9
502.0
430.6
483.1
394.5
563.0
579.8
494.9
508.9
511.2
411.7
397.4
362.0
733.2
717.3
640.9
590.9
1,905.5
2,052.1
2,047.6
6,278.0
7,587.1
7,659.8
7,372.0
7,748.1
8,768.5
9,327.0
9,319.8
9,624.8
10,259.6
10,137.6
Ⅲ. Derivative Assets
79.3
78.0
67.8
80.3
60.3
85.5
93.8
70.8
45.9
62.7
51.6
56.2
50.9
54.1
75.0
44.1
115.2
65.5
135.8
122.8
100.2
44.6
44.6
119.8
63.1
128.0
57.8
55.3
73.1
90.6
102.3
97.9
150.9
78.0
74.3
175.5
103.9
63.4
Ⅳ. Available-for-Sale Financial Assets
Ⅳ. Financial Assets measured at Fair Value through Other Comprehensive Income
1,960.7
2,005.1
2,008.4
1,994.3
2,208.6
2,430.4
2,391.2
2,588.3
2,488.8
2,441.1
2,378.8
2,424.3
4,245.3
3,490.6
3,553.4
4,065.5
4,077.5
3,900.1
4,353.4
4,199.7
4,160.8
4,343.5
4,477.8
4,499.0
3,796.6
3,636.3
3,632.1
4,032.6
3,733.8
3,791.1
4,056.7
4,181.3
4,125.1
4,209.0
4,351.7
4,527.6
4,516.2
5,085.7
Ⅴ. Held-to-Maturity Financial Assets
Ⅴ. Securities measured at Amortised Cost
3,742.4
3,927.1
4,303.0
4,428.5
4,451.4
4,509.0
4,455.9
4,385.2
4,370.5
4,419.3
4,480.2
4,520.0
7,021.3
8,051.6
7,970.9
7,618.5
7,537.3
7,538.2
7,504.3
7,890.5
7,878.9
7,894.5
7,953.2
7,951.2
7,684.6
7,886.0
8,043.2
7,846.1
7,936.3
7,853.3
7,572.2
7,340.9
7,382.3
7,409.6
7,404.1
7,134.0
7,095.8
6,856.1
Ⅵ. Loans and Receivables
Ⅵ. Loans at Amortised Cost
24,046.0
24,517.6
25,315.0
25,849.5
26,890.4
27,800.5
28,160.6
28,134.1
28,820.2
30,016.1
31,116.4
31,304.1
33,757.1
35,059.3
35,479.1
36,052.6
37,230.9
38,310.4
37,295.6
37,454.6
39,020.5
40,463.4
41,383.1
40,278.2
39,546.7
39,256.3
39,931.4
40,827.0
41,811.9
43,018.9
43,759.9
46,587.1
47,654.9
48,520.7
49,461.0
50,801.1
53,796.8
56,324.9
Ⅶ. Investments in Associates
0.3
0.1
0.0
0.2
0.2
0.2
0.0
0.2
0.2
0.3
0.2
0.5
0.4
0.4
0.3
0.5
0.4
0.4
0.4
0.4
0.4
0.3
10.2
10.4
10.0
10.6
10.3
27.2
19.9
4.3
9.3
12.4
4.5
91.6
93.3
87.1
32.3
46.1
Ⅷ. Tangible Assets
295.8
312.0
309.7
311.4
311.6
309.8
313.1
317.9
320.7
318.7
327.8
336.0
355.3
363.0
368.7
376.7
382.9
403.0
425.3
429.0
427.0
421.5
441.8
475.5
497.8
606.6
689.0
741.9
781.6
779.7
780.9
790.5
758.2
751.8
754.0
754.3
829.3
830.2
Ⅸ. Investment Property
88.0
88.2
88.4
88.1
87.4
87.1
86.1
85.8
85.5
85.5
85.2
82.0
103.2
102.7
106.6
106.6
106.6
106.1
100.4
99.6
99.2
94.5
94.1
93.6
93.1
239.1
214.1
214.9
200.0
199.5
199.0
199.1
221.6
221.0
224.7
223.0
147.0
146.7
X . Intangible Assets
83.3
80.4
77.2
73.7
95.5
89.7
96.0
91.4
95.4
92.8
91.8
90.6
94.6
110.2
108.4
102.2
119.9
119.1
113.8
133.1
143.2
150.0
143.6
148.0
176.2
173.7
171.0
199.8
195.3
185.9
189.5
185.5
212.8
214.9
207.3
209.3
218.8
239.0
XI. Other Assets
44.5
26.5
64.2
30.5
33.0
33.6
26.5
24.1
23.5
30.8
32.2
41.3
93.9
104.5
148.6
176.4
180.7
173.3
197.1
223.3
245.9
243.6
275.2
312.6
1,953.7
2,770.3
2,081.6
2,089.7
3,884.8
3,424.2
2,980.3
2,435.3
2,490.1
3,438.2
3,584.2
2,753.4
2,894.1
3,657.0
Total Assets
32,348.0
32,915.4
33,819.4
34,217.8
35,805.4
36,877.4
37,479.0
37,577.8
38,359.4
39,554.2
40,586.6
41,009.7
48,532.7
50,420.8
50,970.3
51,144.4
52,312.8
53,465.0
52,900.3
53,462.4
55,278.7
56,870.0
57,844.1
56,733.8
58,001.2
59,200.7
59,330.6
64,913.8
68,781.6
69,466.4
69,739.7
72,404.4
75,307.4
78,240.8
79,646.4
79,971.8
83,497.0
86,326.5
Liabilities
Ⅰ. Depository Liabilities
22,831.7
23,615.3
23,520.3
24,520.9
25,785.9
26,599.5
26,156.6
26,784.4
27,896.7
28,985.7
29,768.1
30,747.0
31,985.4
33,475.9
32,956.2
33,493.4
34,259.3
34,722.7
34,526.1
35,385.5
35,967.6
36,701.9
37,202.4
37,839.7
37,709.6
37,740.6
38,182.7
38,729.5
39,610.2
40,415.1
41,046.4
42,758.2
43,825.5
45,114.2
46,050.9
47,248.0
49,205.0
51,334.4
Ⅱ. Financial Liablilities Designated at Fair Value through Profit or Loss
0
0
0
0
0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,069.2
1,732.6
932.9
1,415.1
2,460.6
1,481.3
1,120.0
1,464.7
1,433.5
3,062.4
4,603.6
Ⅲ. Derivative Liabilities
43.6
43.1
26.2
31.9
42.7
84.9
52.7
48.3
26.1
52.6
44.6
43.9
31.8
53.5
74.0
36.7
107.8
55.4
128.2
138.5
83.3
44.6
50.5
98.6
51.2
126.1
52.2
109.5
108.7
136.2
174.0
141.5
302.1
233.7
217.5
258.2
138.2
102.7
Ⅳ. Borrowings
3,229.1
3,146.0
3,527.3
2,899.8
2,727.2
2,669.3
3,313.5
2,728.2
2,820.8
2,880.3
2,902.3
2,796.6
2,797.3
2,947.2
3,193.7
3,329.4
3,318.7
3,490.1
3,156.6
3,174.8
3,616.3
3,689.6
3,588.0
3,394.4
3,557.2
3,586.8
3,465.0
6,442.4
6,968.9
8,044.5
7,270.7
7,043.4
9,035.2
10,558.8
9,908.7
9,821.7
9,043.7
7,627.5
Ⅴ. Bonds Payable
2,267.0
2,245.4
2,215.4
2,415.7
2,426.4
2,879.5
2,879.8
2,763.3
2,296.3
2,493.5
2,522.9
2,849.4
2,786.8
2,952.4
3,045.7
3,145.9
3,348.5
3,586.3
3,897.4
4,107.5
4,069.4
4,316.2
4,518.7
4,356.7
4,602.5
4,699.5
4,606.9
5,303.8
5,134.2
5,193.6
5,310.7
5,590.0
6,158.4
6,113.0
6,275.2
6,330.0
6,791.2
6,810.1
Ⅵ. Retirement Payment Liabilities
21.3
19.7
24.4
17.2
21.5
13.2
18.0
16.8
20.0
12.0
16.6
20.8
28.1
17.6
23.6
18.1
24.1
13.2
0.2
8.8
7.8
13.3
20.4
14.2
10.8
0.0
0.0
35.1
17.5
17.0
16.1
26.9
0.0
3.4
14.5
6.4
7.6
0.0
Ⅶ. Liability Reserve
33.2
30.5
29.8
30.7
32.3
33.7
25.5
36.3
34.3
36.3
37.0
38.6
36.1
35.7
36.5
36.8
28.9
32.7
26.3
28.9
27.8
27.1
28.4
29.2
41.5
37.8
37.5
49.1
41.4
33.8
33.6
36.1
34.7
39.2
40.3
54.4
51.0
52.4
Ⅷ. Insurance Contract Liabilities
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4,786.1
4,858.3
4,900.4
4,940.5
5,002.2
5,051.8
5,089.7
5,121.2
5,162.4
5,215.2
5,243.8
5,275.3
5,305.6
5,417.9
5,513.5
5,553.6
5,553.3
5,568.1
5,594.4
5,666.9
5,653.6
5,672.1
5,676.6
5,635.7
5,613.0
5,609.8
Ⅸ. Other Liabilities
1,590.0
1,415.1
1,982.5
1,778.4
2,194.5
1,793.9
2,139.4
2,202.0
2,243.1
1,988.7
2,105.9
1,301.8
2,462.2
2,393.4
2,964.0
2,366.6
2,384.6
2,568.1
2,070.2
1,525.0
2,326.0
2,747.9
3,011.9
1,530.0
2,292.9
3,046.5
2,738.0
2,566.6
4,485.6
3,874.6
3,445.4
3,273.2
3,253.4
3,706.9
4,179.7
3,379.8
3,681.7
4,125.5
Total Liabilities
30,015.8
30,515.1
31,325.9
31,694.5
33,230.4
34,074.0
34,585.5
34,579.3
35,337.3
36,449.1
37,397.4
37,798.2
44,913.7
46,733.9
47,194.0
47,367.3
48,474.1
49,520.4
48,894.8
49,490.1
51,260.6
52,755.8
53,664.1
52,538.0
53,571.3
54,655.4
54,595.7
59,858.7
63,652.5
64,215.6
64,306.4
66,996.8
69,744.3
72,561.3
73,828.0
74,167.8
77,593.8
80,266.0
Stockholders` Equity
Ⅰ. Controlling Interest
2,332.2
2,400.3
2,493.5
2,523.3
2,575.0
2,603.7
2,693.8
2,709.0
2,732.5
2,815.5
2,899.6
2,922.0
3,328.3
3,396.4
3,485.9
3,486.6
3,548.1
3,653.9
3,714.9
3,680.7
3,727.5
3,823.6
3,889.4
3,905.2
4,039.7
4,155.0
4,245.0
4,336.3
4,408.2
4,527.5
4,607.9
4,596.3
4,754.1
4,866.3
5,000.5
4,988.6
5,083.4
5,235.0
1. Capital Stock
1. Capital Stock
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
670.3
845.3
845.3
845.3
845.3
845.3
845.3
845.3
845.3
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
845.7
2. Hybrid equity securities
2. Hybrid equity securities
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
149.4
149.4
149.4
149.4
149.4
149.4
149.4
149.4
249.0
249.0
298.9
298.9
398.5
398.5
3. Capital Surplus
3. Capital Surplus
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,423.5
1,561.0
1,560.7
1,560.7
1,560.5
1,560.5
1,560.5
1,560.5
1,560.5
1,560.9
1,560.9
1,560.9
1,560.9
1,560.9
1,560.9
1,560.9
1,560.9
1,560.8
1,560.8
1,560.8
1,562.5
1,562.5
1,562.5
1,562.5
1,562.5
1,562.5
1,562.5
4. Capital Adjustment
4. Capital Adjustment
0.0
0.0
0.0
0.0
0.0
-0.7
-0.7
-0.7
-0.7
-0.7
-0.7
-0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-1.0
-1.0
-1.0
-1.0
-1.0
-1.0
-1.0
-1.0
-1.0
-1.0
-1.0
-1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5. Accumulated Other Comprehensive Income, Net of Taxes
5. Accumulated Other Comprehensive Income, Net of Taxes
23.9
20.1
34.3
28.4
23.4
-0.4
7.0
-3.7
3.6
14.3
23.6
17.1
47.5
21.0
29.3
17.9
25.2
49.4
40.0
-27.4
-21.6
-16.0
-40.4
-55.3
-97.1
-87.0
-75.8
-79.4
-56.6
-34.7
-23.1
-64.1
-43.8
-31.9
-30.2
-73.6
-132.3
-133.3
6. Retained Earnings
6. Retained Earnings
214.4
286.4
365.4
401.0
457.8
511.1
593.8
619.6
635.8
708.2
783.0
811.8
874.5
969.4
1,050.5
1,063.0
1,117.2
1,198.8
1,269.2
1,303.4
1,343.5
1,434.0
1,524.2
1,554.8
1,581.7
1,687.0
1,765.8
1,860.6
1,909.9
2,007.2
2,076.1
2,102.8
2,140.7
2,240.9
2,323.7
2,355.2
2,409.1
2,561.7
Ⅱ. Non-controlling Interest
0.0
0.0
0.0
0.0
0.0
199.7
199.7
289.6
289.6
289.6
289.6
289.6
290.7
290.5
290.5
290.5
290.6
290.7
290.6
291.6
290.6
290.6
290.6
290.6
390.3
390.3
490.0
718.7
720.9
723.3
825.5
811.3
809.0
813.2
817.8
815.5
819.8
825.5
Total Stockholders` Equity
2,332.2
2,400.3
2,493.5
2,523.3
2,575.0
2,803.4
2,893.5
2,998.5
3,022.0
3,105.0
3,189.2
3,211.5
3,619.0
3,686.9
3,776.4
3,777.2
3,838.7
3,944.6
4,005.5
3,972.3
4,018.1
4,114.2
4,180.0
4,195.8
4,429.9
4,545.3
4,734.9
5,055.0
5,129.1
5,250.8
5,433.4
5,407.6
5,563.1
5,679.5
5,818.4
5,804.0
5,903.3
6,060.5
Total Liabilities and Stockholders` Equity
32,348.0
32,915.4
33,819.4
34,217.8
35,805.4
36,877.4
37,479.0
37,577.8
38,359.4
39,554.2
40,586.6
41,009.7
48,532.7
50,420.8
50,970.3
51,144.4
52,312.8
53,465.0
52,900.3
53,462.4
55,278.7
56,870.0
57,844.1
56,733.8
58,001.2
59,200.7
59,330.6
64,913.8
68,781.6
69,466.4
69,739.7
72,404.4
75,307.4
78,240.8
79,646.4
79,971.8
83,497.0
86,326.5
☞ Other Assets include the followings (1)Current Tax Assets, (2)Deferred Income Tax Assets, (3) Retirement Payment Assets, and (4) Others in both IAS39 and IFRS9
☞ Other Liabilities include the followings (1)Current Tax Liabilities, (2)Deferred Income Tax Liabilities, and (3) Others in both IAS39 and IFRS9
G_IS (2)
Group I/S(Official Announcement)
Back to Home
(in bn won), Cummulative
IAS39
IFRS9
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
(IAS39)
(IFRS9)
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Ⅰ. Net Interest Income
233.4
465.0
693.6
926.5
226.4
459.0
696.1
941.7
246.6
504.3
763.9
1,021.9
290.2
577.7
866.5
1,160.5
294.0
591.2
892.3
1,202.1
311.3
633.0
960.8
1,291.3
342.5
690.4
1,039.3
1,379.4
351.6
706.3
1,057.5
1,411.0
353.1
706.8
1,065.3
1,428.7
375.6
769.1
1. Interest Income
426.5
858.7
1,290.9
1,716.2
414.1
834.4
1,256.6
1,682.6
417.0
844.1
1,280.1
1,711.3
454.9
900.2
1,339.6
1,776.7
433.4
867.4
1,299.8
1,739.0
438.2
892.0
1,354.2
1,823.9
488.5
992.6
1,503.0
2,026.1
548.1
1,101.8
1,652.6
2,194.3
540.1
1,064.9
1,571.3
2,074.6
505.7
1,024.9
2. Interest Expense
193.2
393.7
597.3
789.7
187.6
375.4
560.6
740.9
170.4
339.8
516.1
689.4
164.8
322.5
473.1
616.2
139.4
276.2
407.5
536.9
127.0
259.1
393.5
532.5
146.0
302.2
463.7
646.7
196.5
395.5
595.1
783.3
187.0
358.0
506.0
645.9
130.0
255.8
Ⅱ. Net Fee and Commission Income
18.5
36.0
55.3
73.5
19.8
37.3
54.0
72.7
16.6
33.9
50.5
67.1
20.1
39.6
57.4
78.1
20.1
36.5
53.2
69.6
24.1
41.4
59.7
80.4
23.0
43.8
67.6
130.6
63.7
125.1
190.3
271.8
84.4
183.5
282.1
378.0
111.2
246.3
1. Fee and Commission Income
31.1
62.3
93.8
124.6
31.4
62.6
92.6
124.0
30.3
61.9
92.6
125.1
34.4
71.3
104.6
141.1
35.0
69.9
103.3
137.8
40.5
76.9
113.5
154.0
40.8
81.7
124.3
207.7
84.5
163.3
249.1
354.9
104.9
226.2
346.4
461.8
136.4
296.5
2. Commission Expense
12.5
26.3
38.5
51.1
11.6
25.3
38.6
51.3
13.7
27.9
42.1
58.0
14.3
31.7
47.2
63.0
14.9
33.3
50.1
68.1
16.4
35.6
53.8
73.6
17.8
37.9
56.7
77.1
20.8
38.2
58.8
83.1
20.5
42.7
64.3
83.8
25.2
50.3
Ⅲ. Net Insurance Income
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-6.9
-13.0
-17.9
-27.9
-10.9
-20.8
-38.7
-54.9
-16.7
-33.1
-52.6
-63.1
-18.9
-40.0
-59.2
-94.5
-23.9
-43.4
-67.9
-125.5
-22.6
-35.7
-68.8
-68.7
-25.4
-54.9
1. Insurance Income
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
256.5
500.7
732.5
960.3
231.9
455.5
679.2
894.6
225.6
436.0
642.7
843.0
210.0
488.8
774.8
999.6
213.2
411.8
608.3
801.1
206.3
404.9
603.6
792.9
200.3
401.8
2. Insurance Expense
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
263.4
513.7
750.4
988.2
242.7
476.3
717.9
949.5
242.2
469.1
695.3
906.1
228.9
528.8
833.9
1,094.1
237.1
455.2
676.2
926.5
228.9
440.6
672.4
861.6
225.7
456.7
Ⅳ. Net Income on Financial Assets Held for Trading
Ⅳ. Net Income on Financial Assets measured at Fair Value through Profit or Loss
16.3
11.7
30.3
36.6
-1.1
-11.2
13.2
22.2
2.7
6.5
16.1
18.0
5.2
1.5
7.8
6.0
3.3
3.7
0.9
13.2
-2.8
-2.1
-7.3
-9.7
3.5
10.8
28.7
52.3
76.6
129.1
157.8
175.9
-153.7
-34.6
25.6
123.9
63.9
107.0
Ⅴ. Net Income on Financial Assets Designated at Fair Value Through Profit or Loss
2.0
5.9
10.2
13.6
3.0
3.8
2.7
2.1
4.5
5.8
8.2
10.0
9.0
4.1
5.6
3.4
3.2
2.7
2.6
1.6
0.8
-0.5
-1.0
-2.3
0.0
0.0
0.0
8.1
-51.8
-71.0
-70.0
-91.8
172.4
78.9
40.5
-26.2
-26.6
-31.7
Ⅵ. Net Income on Available-for-Sale Financial Assets
Ⅷ. Net Income on Financial Assets measured at Fair Value through Other Comprehensive Income
11.5
12.2
21.0
14.2
12.1
19.7
29.5
34.5
3.8
8.1
25.6
31.4
24.0
57.7
66.1
75.6
35.8
53.6
71.3
74.7
11.4
29.2
47.4
57.6
1.8
4.1
7.0
9.9
6.1
15.8
27.5
30.1
13.4
33.3
41.5
42.1
4.2
3.5
Ⅷ. Impairment Loss on Financial Assets
Ⅹ. Provision for Credit Losses
47.6
77.4
134.0
163.9
25.8
64.2
95.9
154.8
68.2
120.2
167.8
204.2
49.1
99.3
163.9
228.7
64.7
103.2
153.6
202.4
53.1
99.6
139.7
188.8
49.5
60.3
116.0
187.1
45.9
91.7
131.3
165.3
51.1
134.8
191.3
272.5
42.7
70.8
Ⅸ. Net Income on foreign currency translation and transactions
-4.1
1.5
21.7
21.9
-2.5
-3.7
-2.4
10.1
-1.3
8.0
2.8
2.8
1.2
8.5
-4.1
-0.4
-0.8
0.5
5.8
4.2
-8.8
9.5
33.4
9.3
2.8
14.2
0.2
-13.5
9.0
24.6
40.1
32.4
17.9
31.2
37.4
8.7
0.6
5.9
Ⅹ. General and Administrative Expenses
109.9
220.1
337.5
492.7
110.5
226.7
348.5
507.9
114.4
241.1
364.4
544.0
134.3
275.1
424.2
627.2
137.3
284.9
441.4
639.0
146.8
295.3
454.5
676.9
151.8
319.7
491.8
817.0
220.2
439.5
670.8
950.2
228.4
471.1
733.1
1,022.3
242.1
515.9
XI. Net Other Operating Income(Loss)
-4.4
-18.0
-36.7
-56.7
-21.2
-38.8
-53.4
-81.7
-14.6
-29.4
-55.7
-79.1
-21.8
-41.6
-65.3
-96.3
-11.5
-34.6
-53.1
-82.0
1.9
-43.0
-86.7
-88.6
-24.1
-68.4
-91.4
-135.8
-32.2
-83.0
-157.0
-182.9
-52.1
-83.5
-101.4
-101.9
-40.3
-46.4
XII. Operating Income
115.5
216.9
324.1
373.0
100.1
175.2
295.3
339.0
75.6
176.0
279.2
323.9
137.5
260.0
327.9
343.0
131.2
244.8
339.4
386.9
121.2
239.5
359.5
409.2
129.4
275.0
384.4
333.4
133.0
272.2
376.2
405.7
133.3
274.0
397.7
490.0
178.4
412.1
XIII. Non-Operating Income(Loss)
-1.9
-7.1
-9.3
-10.0
0.4
-2.1
-7.9
-9.7
-0.4
-1.4
-2.8
-6.7
5.1
4.9
3.0
0.4
4.0
3.2
1.5
0.9
2.0
7.6
8.8
1.1
-1.8
-0.2
0.9
151.4
14.0
11.9
14.2
6.3
-3.2
4.3
8.9
9.1
-0.7
-4.5
XIV. Income Before Income Tax Expense
113.6
209.8
314.8
363.0
100.6
173.2
287.4
329.3
75.2
174.6
276.5
317.2
142.6
264.8
330.9
343.4
135.3
248.0
340.9
387.8
123.2
247.1
368.3
410.3
127.5
274.8
385.3
484.0
147.0
284.1
390.3
412.0
130.0
278.3
406.6
499.1
177.7
407.6
XV. Income Tax Expense
26.7
50.9
76.6
88.9
24.0
42.6
70.6
84.8
18.0
41.5
65.1
73.4
33.4
57.3
38.6
35.1
30.3
57.8
76.8
85.9
28.8
58.8
86.2
94.0
31.5
67.7
92.1
81.0
34.1
66.8
92.3
92.7
32.4
65.9
96.7
122.3
41.6
102.9
XIX. Profit for the period from Continuing Operations
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
112.9
217.3
298.1
319.3
97.7
212.3
310.0
376.8
136.1
304.7
XX. Profit for the period from Discontinued Operations
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.0
1.6
23.5
0.0
0.0
0.0
0.0
0.0
0.0
XVI. Net Income
86.9
159.0
238.1
274.1
76.6
130.5
216.8
244.5
57.2
133.1
211.4
243.8
109.2
207.5
292.3
308.3
105.0
190.2
264.1
301.9
94.4
188.4
282.1
316.3
96.0
207.1
293.2
402.9
112.9
219.4
299.6
342.8
97.7
212.3
310.0
376.8
136.1
304.7
1. Attribution of Net Income
1-1. Net Income in Controlling Interest
86.9
159.0
238.1
274.1
76.6
129.7
213.7
238.3
53.7
126.1
200.9
229.7
105.6
200.4
281.6
294.1
101.4
183.1
253.5
287.7
90.9
181.4
271.6
302.2
91.8
198.2
278.6
380.5
103.8
201.6
272.1
307.3
88.2
191.0
276.3
332.3
123.5
278.8
1-2. Net Income in Non-Controlling Interest
0.0
0.0
0.0
0.0
0.0
0.8
3.1
6.3
3.5
7.0
10.5
14.1
3.6
7.1
10.7
14.2
3.6
7.1
10.6
14.2
3.5
7.0
10.5
14.1
4.3
8.9
14.6
22.5
9.1
17.8
27.5
35.5
9.5
21.4
33.7
44.5
12.6
25.9
G_In.
Group Key Indices
Back to Home
%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
ROA
1.09
0.99
0.97
0.83
0.87
0.73
0.79
0.65
0.68
0.78
0.82
0.70
0.94
0.86
0.79
0.61
0.78
0.70
0.64
0.55
0.67
0.66
0.65
0.54
0.64
0.68
0.64
0.64
0.62
0.60
0.53
0.45
0.48
0.51
0.48
0.43
0.60
0.67
ROE
15.02
13.56
13.32
11.35
12.02
10.10
10.96
9.09
0.68
0.78
0.82
0.70
13.52
12.46
11.44
8.85
11.54
10.28
9.39
7.95
9.81
9.69
9.58
7.94
9.24
9.83
9.09
9.20
9.49
9.11
8.11
6.83
7.53
8.05
7.66
6.87
9.81
10.93
CIR
40.9
43.4
44.8
50.5
44.7
46.5
47.4
51.4
47.6
47.9
46.9
52.4
42.9
43.8
46.7
52.6
41.8
45.1
47.6
52.3
46.0
46.9
47.8
53.4
46.1
48.7
49.6
61.1
55.1
54.7
56.9
62.3
55.3
53.6
55.5
57.2
52.5
51.7
Credit Cost Ratio
0.85
0.68
0.74
0.64
0.42
0.50
0.49
0.58
0.77
0.68
0.65
0.59
0.55
0.59
0.63
0.65
0.72
0.58
0.57
0.51
0.58
0.52
0.48
0.47
0.51
0.34
0.41
0.47
0.47
0.46
0.42
0.37
0.43
0.54
0.50
0.52
0.33
0.26
NPL
1.38
1.36
1.32
1.04
1.02
1.03
1.23
1.03
1.20
1.31
1.29
1.15
1.17
1.31
1.18
1.29
1.27
1.22
1.24
1.20
1.12
1.08
0.95
0.86
0.90
0.75
0.83
1.05
1.10
1.05
0.97
0.89
0.98
0.88
0.75
0.58
0.69
0.60
Coverage Ratio(Including Reserve)
142.9
122.4
125.2
151.2
150.4
147.9
128.0
143.7
127.6
111.1
112.4
125.9
128.8
116.7
124.9
131.9
132.2
131.6
131.1
133.1
130.5
138.4
151.8
171.8
155.1
171.2
162.2
145.1
126.8
132.5
140.4
148.8
139.9
148.9
181.0
215.8
184.3
204.3
Coverage Ratio
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
65.5
69.4
74.1
82.4
82.9
90.7
88.5
79.6
74.2
75.1
79.4
83.0
78.4
87.6
107.6
132.1
110.3
119.2
Delinquency
1.05
1.10
0.95
0.72
0.78
0.74
0.80
0.57
0.71
0.73
0.80
0.73
0.83
0.95
0.86
0.85
0.92
0.85
0.93
0.76
0.65
0.63
0.66
0.62
0.69
0.63
0.70
0.85
0.94
0.80
0.75
0.74
0.87
0.73
0.64
0.49
0.48
0.46
%, Quarterly
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
NIM(Group)
2.25
2.23
2.22
2.28
2.33
2.31
2.29
2.29
2.25
2.20
2.10
2.01
1.94
1.87
1.86
1.87
1.92
1.94
NIM(Bank)
2.93
2.84
2.70
2.65
2.62
2.54
2.50
2.52
2.60
2.61
2.52
2.44
2.37
2.20
2.15
2.16
2.16
2.16
2.12
2.15
2.21
2.20
2.19
2.24
2.28
2.26
2.25
2.24
2.19
2.13
2.02
1.93
1.86
1.79
1.76
1.77
1.82
1.84
▪ NIM(Group) only includes DGB Daegu Bank and DGB Capital.
▪ Global businesses(ex. DGB SB and DLLC) is excluded in calculating Group NIM.
%, Annualized
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
NIM(Group)
2.25
2.24
2.23
2.25
2.33
2.32
2.31
2.30
2.25
2.22
2.18
2.14
1.94
1.90
1.89
1.88
1.92
1.93
NIM(Bank)
2.93
2.88
2.82
2.78
2.62
2.58
2.55
2.54
2.60
2.61
2.57
2.54
2.37
2.28
2.23
2.22
2.16
2.16
2.14
2.14
2.21
2.20
2.20
2.21
2.28
2.27
2.26
2.26
2.19
2.16
2.11
2.07
1.86
1.82
1.80
1.79
1.82
1.83
▪ NIM(Group) only includes DGB Daegu Bank and DGB Capital.
▪ Global businesses(ex. DGB SB and DLLC) is excluded in calculating Group NIM.
G_Asset Quality
Group Asset Quality
Back to Home
Total, (in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Total Credit
22,582.7
23,062.7
23,620.9
23,931.7
24,805.7
25,641.5
26,082.8
26,421.8
27,164.4
28,397.8
29,451.4
30,504.3
31,858.8
32,649.9
33,365.1
34,036.2
34,898.4
35,318.2
35,711.1
36,209.3
37,010.4
37,875.6
38,220.0
38,797.4
39,108.8
39,087.6
39,532.2
41,228.2
41,682.8
42,995.9
43,678.1
45,813.7
47,901.9
48,970.2
49,905.8
51,598.9
53,425.4
54,697.8
Normal
21,848.1
22,450.0
23,036.7
23,386.9
24,243.7
25,037.1
25,437.3
25,835.8
26,533.6
27,743.7
28,774.1
29,759.8
31,067.0
31,820.2
32,582.4
33,232.6
34,065.5
34,433.6
34,809.5
35,398.2
36,260.6
37,140.4
37,489.1
38,076.8
38,392.3
38,394.2
38,800.0
40,442.1
40,903.2
42,208.6
42,920.7
45,081.8
47,042.1
48,084.1
48,943.3
50,764.7
52,556.0
53,945.8
Precautionary
421.9
298.9
272.4
296.6
308.2
339.6
324.4
314.2
304.8
281.2
296.2
392.5
417.7
403.1
388.1
365.1
391.2
452.8
458.5
376.4
336.3
324.7
368.4
385.7
364.4
399.5
405.4
351.2
322.5
336.7
335.0
322.3
388.5
454.9
590.3
535.7
501.5
425.1
Substandard
219.8
241.2
241.2
160.8
172.8
172.3
228.7
201.5
231.7
297.8
309.1
259.6
272.8
320.4
300.5
336.1
343.8
344.2
341.9
330.4
325.7
289.5
254.5
222.1
239.5
202.4
222.9
303.6
318.8
324.1
301.3
275.0
300.7
306.4
217.3
177.3
238.4
219.2
Doubtful
52.0
42.7
41.3
63.3
50.6
62.0
54.4
49.0
66.4
55.9
44.9
60.7
52.6
56.6
47.8
54.0
41.3
55.3
42.2
31.3
31.0
46.8
50.2
64.0
52.6
40.4
37.6
52.5
54.3
47.9
54.3
53.2
58.8
42.4
32.0
26.3
33.2
37.1
Estimated Loss
40.9
30.0
29.3
24.2
30.5
30.4
38.0
21.3
28.0
19.1
27.1
31.7
48.6
49.6
46.3
48.4
56.7
32.3
59.0
73.0
56.7
74.2
57.9
48.7
60.0
51.1
66.4
78.8
84.0
78.6
66.7
81.4
111.8
82.4
122.9
94.8
96.3
70.7
NPL Ratio(%)
1.38
1.36
1.32
1.04
1.02
1.03
1.23
1.03
1.20
1.31
1.29
1.15
1.17
1.31
1.18
1.29
1.27
1.22
1.24
1.20
1.12
1.08
0.95
0.86
0.90
0.75
0.83
1.05
1.10
1.05
0.97
0.89
0.98
0.88
0.75
0.58
0.69
0.60
G_Capital
Group Capital Adequacy
Back to Home
Standardized Approach
IRB
(in bn won), %
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
BIS ratio
15.56
15.45
15.39
15.57
14.79
15.84
16.30
15.06
13.43
13.30
13.25
12.92
13.53
13.33
13.53
12.89
12.67
13.04
13.05
12.93
12.77
12.80
12.82
12.59
13.13
13.19
13.45
12.82
12.79
12.81
12.75
12.32
12.06
12.11
12.93
12.41
14.98
14.81
Tier 1 ratio
11.77
11.71
11.71
11.65
11.37
12.09
12.19
11.50
10.29
10.25
10.25
9.99
10.91
10.76
10.78
10.21
10.19
10.38
10.41
10.94
10.99
11.05
11.10
10.88
11.45
11.60
11.90
11.32
11.34
11.28
11.30
10.92
10.58
10.62
11.47
11.02
13.91
13.66
Common Equity Tier 1 ratio
n/a
n/a
n/a
n/a
n/a
n/a
n/a
9.16
9.25
9.23
9.27
9.02
10.02
9.90
9.93
9.36
9.38
9.59
9.63
10.20
10.31
10.39
10.44
10.21
10.25
10.42
10.57
9.80
9.94
9.91
9.92
9.54
9.13
9.19
10.01
9.59
11.94
11.75
Additional Tier 1 ratio
n/a
n/a
n/a
n/a
n/a
n/a
n/a
2.34
1.04
1.02
0.98
0.97
0.89
0.86
0.85
0.85
0.81
0.79
0.78
0.74
0.68
0.66
0.66
0.67
1.20
1.18
1.33
1.52
1.40
1.37
1.39
1.38
1.45
1.44
1.46
1.43
1.97
1.91
Tier 2 ratio
3.79
3.74
3.68
3.92
3.42
3.75
4.11
3.56
3.14
3.05
3.01
2.93
2.62
2.57
2.75
2.68
2.48
2.66
2.64
1.99
1.78
1.75
1.72
1.71
1.68
1.59
1.55
1.50
1.45
1.53
1.45
1.41
1.47
1.49
1.46
1.39
1.06
1.15
BIS Capital
3,301.3
3,353.8
3,449.3
3,519.7
3,486.8
3,837.9
3,998.1
3,981.1
3,607.0
3,671.6
3,769.3
3,734.5
4,035.0
4,078.4
4,227.3
4,098.9
4,079.8
4,205.0
4,266.3
4,302.3
4,309.4
4,381.9
4,455.1
4,414.1
4,642.0
4,730.2
4,869.1
5,014.7
5,062.5
5,228.3
5,282.8
5,278.7
5,471.4
5,569.0
5,576.9
5,533.3
5,421.0
5,593.3
Tier 1 Capital
2,496.9
2,542.1
2,625.1
2,634.4
2,681.7
2,929.2
2,989.7
3,041.7
2,762.4
2,827.7
2,914.1
2,888.3
3,254.6
3,293.5
3,367.6
3,245.2
3,281.0
3,347.5
3,402.9
3,639.6
3,709.2
3,784.2
3,856.7
3,814.5
4,048.9
4,158.9
4,307.7
4,426.7
4,486.6
4,604.4
4,683.9
4,675.8
4,803.3
4,883.6
4,948.9
4,913.6
5,036.4
5,158.5
Common Equity Tier 1 Capital
n/a
n/a
n/a
n/a
n/a
n/a
n/a
2,421.4
2,483.5
2,548.7
2,635.4
2,608.1
2,990.1
3,028.4
3,103.1
2,975.3
3,021.4
3,092.2
3,148.5
3,392.4
3,478.2
3,555.9
3,628.7
3,581.3
3,622.8
3,737.4
3,826.6
3,831.2
3,935.4
4,047.6
4,109.4
4,085.6
4,143.6
4,223.5
4,317.5
4,274.1
4,323.7
4,437.1
Additional Tier 1 Capital
n/a
n/a
n/a
n/a
n/a
n/a
n/a
620.3
278.9
279.0
278.7
280.2
264.5
265.1
264.6
269.9
259.6
255.2
254.3
247.2
231.0
228.3
228.1
233.3
426.0
421.5
481.1
595.5
551.2
556.8
574.5
590.2
659.7
660.1
631.4
639.5
712.7
721.4
Tier 2 Capital
804.4
811.7
824.2
885.3
805.1
908.7
1,008.4
939.4
844.6
843.9
855.2
846.2
780.4
784.9
859.7
853.7
798.8
857.5
863.4
662.7
600.2
597.7
598.4
599.6
593.1
571.3
561.4
588.0
575.9
623.9
598.9
602.9
668.1
685.4
628.0
619.7
384.6
434.8
RWA
21,211.1
21,710.4
22,413.3
22,606.5
23,575.7
24,234.3
24,525.9
26,440.6
26,850.1
27,599.9
28,444.0
28,911.6
29,826.7
30,599.7
31,238.6
31,787.5
32,201.8
32,252.1
32,699.3
33,273.4
33,744.5
34,239.6
34,759.8
35,063.4
35,348.2
35,851.7
36,212.5
39,110.0
39,584.3
40,824.9
41,433.8
42,835.5
45,381.6
45,981.4
43,143.5
44,582.2
36,200.5
37,772.3
▪ As of the end of March 2021, DGB Financial Group introduced IRB, Internal Rating Based Approach, a way to calculate Risk Weighted Asset by using estimated risk variables that DGB internally established.
DGB Daegu Bank Write-offs & Loan Sales / Loan Loss Reserve by Sector
Back to Home
◈ Loan Sales & Write-offs by Sector
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Sales
10.9
0.0
0.0
24.4
0.0
0.0
0.0
46.9
0.0
0.0
32.9
30.6
37.7
24.6
57.4
34.2
27.5
40.3
0.0
67.3
34.2
71.0
0.0
43.3
1.2
56.3
21.1
73.2
19.5
90.2
87.0
61.9
0.0
80.7
28.6
56.2
0.0
39.0
Write-offs
15.0
109.5
41.9
26.1
31.7
27.0
30.5
71.9
24.4
68.9
37.7
26.2
26.4
46.2
64.3
47.2
48.3
60.1
51.5
26.3
60.1
26.8
54.3
47.8
55.4
40.1
45.7
31.0
43.4
33.3
31.6
15.7
15.0
32.2
19.3
45.3
33.3
34.1
Corporate
10.7
101.6
33.3
18.7
24.7
17.7
21.8
60.7
19.8
58.6
33.1
19.3
19.5
39.4
56.6
42.0
41.7
53.8
45.7
21.3
51.8
20.3
47.8
40.8
48.3
32.9
37.2
24.2
37.0
24.4
20.4
9.9
9.4
23.4
15.1
38.9
21.2
24.6
Household
2.5
4.5
4.8
3.8
4.2
5.9
5.7
7.7
3.1
6.0
2.9
4.3
4.3
4.6
4.9
3.4
4.4
4.0
3.4
2.1
5.9
4.1
4.1
4.5
4.5
4.7
6.0
4.2
3.4
6.0
8.2
3.0
2.8
6.4
1.7
4.6
10.1
7.7
Credit Card
1.8
3.4
3.8
3.6
2.8
3.4
3.0
3.5
1.5
4.3
1.7
2.6
2.6
2.2
2.8
1.8
2.2
2.3
2.4
2.9
2.4
2.4
2.4
2.5
2.6
2.5
2.5
2.6
3.0
2.9
3.0
2.8
2.8
2.4
2.5
1.8
2.0
1.8
Total
25.9
109.5
41.9
54.7
31.7
27.0
30.5
118.8
24.4
68.9
70.6
56.8
64.1
70.8
121.7
81.4
75.8
100.4
51.5
93.6
94.3
97.8
54.3
91.1
56.6
96.4
66.8
104.2
62.9
123.5
118.6
77.6
15.0
112.9
47.9
101.5
33.3
73.1
B_PF
DGB Daegu Bank PF / Credit Card
Back to Home
◈ PF Loans(Acceptance Financing excluded)
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
SOC PF
874.5
883.6
874.6
886.9
887.6
905.5
922.8
881.0
878.7
883.4
899.1
893.5
872.7
862.5
836.6
780.4
779.8
777.2
768.4
758.4
728.3
719.6
712.7
663.4
654.0
605.8
597.2
587.0
579.1
572.8
560.2
551.0
572.3
528.4
521.6
503.7
498.9
493.5
Real Estate PF
555.2
499.8
455.7
431.0
412.8
462.0
478.0
377.0
366.8
414.7
438.4
444.3
405.6
459.2
475.6
478.7
718.2
966.2
970.4
976.1
996.6
1,031.4
926.6
1,293.2
1,160.6
1,118.0
1,474.5
1,394.1
1,378.1
1,676.7
1,555.7
1,667.5
1,567.2
1,629.3
1,702.5
1,676.9
2,322.3
2,367.8
APT PF
361.5
308.8
264.7
215.1
219.4
208.3
220.5
205.2
196.0
275.4
302.2
299.9
258.5
316.3
318.1
311.8
520.9
749.5
766.3
789.5
808.2
832.0
779.8
1,134.2
1,009.3
995.0
1,353.6
1,275.0
1,242.0
1,541.0
1,420.6
1,534.7
1,398.0
1,365.1
1,607.1
1,575.2
2,169.0
2,223.0
Industrial Site Development
193.7
191.0
191.0
215.9
193.4
253.7
257.5
171.8
170.8
139.3
136.2
144.4
147.1
142.9
157.5
166.9
197.3
216.7
204.1
186.6
188.4
199.4
146.8
159.0
151.3
123.0
120.9
119.1
136.1
135.7
135.1
132.8
169.2
264.2
95.4
101.7
153.3
144.8
Total
1,429.7
1,383.4
1,330.3
1,317.9
1,300.4
1,367.5
1,400.8
1,258.0
1,245.5
1,298.1
1,337.5
1,337.8
1,278.3
1,321.7
1,312.2
1,259.1
1,498.0
1,743.4
1,738.8
1,734.5
1,724.9
1,751.0
1,639.3
1,956.6
1,814.6
1,723.8
2,071.7
1,981.1
1,957.2
2,249.5
2,115.9
2,218.5
2,139.5
2,157.7
2,224.1
2,180.6
2,821.2
2,861.3
◈ Credit Card
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Card Holders (Thousand)
1,657
1,633
1,648
1,637
1,687
1,687
1,684
1,701
1,750
1,757
1,762
1,744
1,789
1,784
1,802
1,804
1,843
1,823
1,823
1,833
1,822
1,836
1,818
1,830
1,809
1,831
1,825
1,844
1,828
1,847
1,822
1,840
1,819
1,837
1,812
1,824
1,798
1,810
Card Usage (Cumulative)
1,235.1
2,464.8
3,713.3
4,964.6
1,235.2
2,499.9
3,819.0
5,165.7
1,339.4
2,692.3
4,092.6
5,519.9
1,387.0
2,808.6
4,270.2
5,776.2
1,467.8
3,029.9
4,614.7
6,227.0
1,582.0
3,252.1
4,937.7
6,622.1
1,622.6
3,358.4
5,083.0
6,815.0
1,657.8
3,357.2
5,040.9
6,780.2
1,495.2
2,711.6
5,124.0
6,841.5
1,746.7
3,717.3
Lump Sum
934.7
1,867.3
2,829.2
3,774.0
959.1
1,955.0
3,020.4
4,088.0
1,067.2
2,169.7
3,326.3
4,489.9
1,143.2
2,319.0
3,545.5
4,797.4
1,224.4
2,536.2
3,881.7
5,236.6
1,323.0
2,739.5
4,173.4
5,598.7
1,359.5
2,807.1
4,267.0
5,718.5
1,393.2
2,820.6
4,258.1
5,734.1
1,268.4
2,322.7
4,456.9
5,947.9
1,531.3
3,255.9
Installment
184.4
365.4
540.4
738.2
174.6
344.2
504.0
692.3
190.5
360.6
527.6
715.9
172.2
350.1
520.3
710.2
182.4
371.9
552.2
751.2
202.8
400.4
597.2
802.7
209.5
444.5
657.3
883.8
213.8
435.7
632.2
847.1
182.3
318.9
548.5
739.8
182.3
394.6
Cash Advance
116.0
232.1
343.7
452.4
101.5
200.7
294.6
385.4
81.7
162.0
238.7
314.1
71.6
139.5
204.4
268.6
61.0
121.8
180.8
239.2
56.2
112.2
167.1
220.7
53.6
106.8
158.7
212.7
50.8
100.9
150.6
199.0
44.5
70.0
118.6
153.8
33.1
66.8
Net Fee Income (Cumulative)
16.3
31.0
46.8
61.4
14.4
28.3
43.0
57.6
14.0
28.6
43.3
58.3
14.8
28.8
43.3
60.1
14.2
27.3
41.4
55.9
14.5
28.5
42.7
56.6
13.7
26.7
38.7
53.9
12.5
25.8
38.1
52.5
11.6
24.2
38.4
52.2
13.6
27.3
Credit card merchant fee
22.5
44.4
66.3
86.6
20.7
41.2
61.8
82.1
20.8
42.7
64.2
87.3
21.7
44.1
66.4
90.4
21.8
43.9
66.5
89.4
22.3
45.9
68.7
91.4
21.6
43.9
64.9
88.4
17.5
35.1
52.5
70.6
15.1
30.9
47.8
64.5
15.6
32.1
Interest earnings on cash advance
3.3
6.6
9.8
12.8
2.8
5.5
8.0
10.4
2.3
4.6
6.9
9.0
2.0
3.9
5.8
7.5
1.7
3.5
5.1
6.8
1.6
3.2
4.7
6.3
1.4
2.7
4.0
5.3
1.1
2.4
3.5
4.6
1.1
2.2
3.2
4.2
0.9
1.8
Interest earnings on card loans
0.0
0.1
0.1
0.2
0.0
0.0
0.2
0.3
0.2
0.4
0.6
0.7
0.1
0.4
0.6
0.9
0.2
0.5
0.8
1.1
0.3
0.9
1.5
2.2
0.6
1.2
2.0
2.7
0.9
2.0
3.6
5.4
1.8
3.5
5.3
7.0
1.7
3.5
Other card related fees
1.3
2.0
2.8
3.5
0.9
1.7
2.4
3.2
0.9
1.6
2.5
3.1
0.8
1.7
2.5
3.6
1.0
1.9
3.4
4.3
1.0
1.9
2.7
3.5
1.3
2.5
3.6
4.8
1.6
3.0
4.1
5.4
1.4
4.1
7.1
9.1
3.2
6.9
Commission paid for etc. (-)
10.8
22.1
32.2
41.7
10.0
20.1
29.4
38.4
10.2
20.7
30.9
41.8
9.8
21.3
32.0
42.3
10.5
22.5
34.4
45.7
10.7
23.4
34.9
46.8
11.2
23.6
35.8
47.3
8.6
16.7
25.6
33.5
7.8
16.5
25.0
32.6
7.8
17.0
Cash Receivables
419.5
414.4
409.5
423.1
377.5
366.0
366.4
398.0
369.4
374.2
366.3
406.9
362.0
359.4
360.3
377.3
364.7
378.3
376.0
398.6
387.4
401.9
404.9
396.9
396.6
416.1
373.0
458.1
407.5
418.9
421.4
442.6
372.0
379.4
389.8
416.4
415.8
422.6
Credit Sales
356.2
351.4
350.0
364.6
322.5
313.3
315.0
342.5
318.1
324.8
320.5
363.4
318.0
314.5
317.2
335.7
322.6
334.7
333.2
356.4
341.7
352.9
355.3
349.5
347.8
368.0
324.4
405.4
350.7
348.6
339.3
358.7
293.3
304.5
311.3
338.9
337.1
344.7
Cash Advance
61.8
61.4
57.9
56.8
53.3
51.1
49.1
47.8
43.8
42.8
40.5
39.3
37.0
36.0
33.6
32.9
32.2
32.0
30.6
30.0
29.3
29.2
28.1
27.7
27.5
27.5
26.0
26.8
26.4
26.0
25.7
25.4
23.7
20.5
19.4
18.7
18.2
18.1
Card Loans
1.5
1.6
1.6
1.7
1.7
1.6
2.3
7.7
7.5
6.6
5.3
4.2
7.0
8.9
9.5
8.7
9.9
11.6
12.2
12.2
16.4
19.8
21.5
19.7
21.3
20.6
22.6
25.9
30.4
44.3
56.4
58.5
55.0
54.4
59.1
58.8
60.5
59.8
B_Sec.
DGB Daegu Bank Securities Held
Back to Home
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Bond in Won
5,418.6
5,641.7
6,040.7
6,159.0
6,293.2
6,551.5
6,499.9
6,500.3
6,427.5
6,372.5
6,487.5
6,512.6
6,760.1
6,918.6
6,895.2
6,879.3
6,732.7
6,474.5
6,722.3
6,894.6
7,189.9
7,119.7
7,224.2
7,210.2
7,361.8
7,339.6
7,431.0
7,390.1
7,474.1
7,481.0
7,428.9
7,314.5
6,698.1
6,698.1
7,184.2
7,188.4
7,027.3
7,105.6
Government
1,471.4
1,512.1
1,636.4
1,588.5
1,620.7
1,860.7
1,934.5
1,982.5
2,133.9
2,042.2
2,128.5
2,019.6
2,208.2
2,293.8
1,953.9
2,090.2
1,754.7
1,530.3
1,637.1
1,738.4
2,018.3
2,175.7
2,232.3
2,243.6
2,261.5
2,239.7
2,333.0
2,368.1
2,307.4
2,173.9
2,072.5
2,024.8
1,946.6
1,946.6
2,119.7
2,160.9
2,246.9
2,312.1
Municipal
863.4
1,018.5
1,109.6
1,224.7
1,261.9
1,314.3
1,321.1
1,304.4
1,293.2
1,365.8
1,491.7
1,631.6
1,729.7
1,870.0
1,851.9
1,895.5
1,926.1
2,042.9
2,183.7
2,287.2
2,330.1
2,201.6
2,170.9
2,139.5
2,174.8
2,133.0
2,219.2
2,169.8
2,200.1
2,176.9
2,011.8
1,954.8
1,483.5
1,483.5
1,294.5
1,257.2
1,212.0
1,160.1
Debenture
770.8
761.8
653.4
552.4
483.0
510.4
409.8
449.7
259.9
449.1
420.7
370.1
795.2
723.4
995.3
1,013.6
977.8
1,049.7
1,165.8
1,067.9
1,208.5
1,169.0
1,158.5
1,178.5
1,363.0
1,403.9
1,313.5
1,383.7
1,499.4
1,611.7
1,931.3
1,920.4
1,741.2
1,741.2
1,813.9
1,811.1
1,759.8
1,554.8
Public Corporate
993.4
980.7
1,043.4
1,076.9
1,161.5
1,184.1
1,215.6
1,267.2
1,244.8
1,071.5
1,118.2
1,085.9
971.7
1,100.0
1,161.0
1,069.3
1,184.0
1,081.9
1,121.0
1,211.8
1,138.0
1,079.2
1,158.2
1,154.3
1,100.8
1,075.8
1,038.0
951.2
937.8
926.9
801.7
773.2
835.2
835.2
1,030.1
1,009.3
1,020.4
1,116.9
Corporate
131.2
191.9
272.5
321.5
363.3
400.4
360.5
350.0
340.3
326.2
301.3
321.3
188.1
150.7
150.4
129.8
212.8
234.9
192.2
188.6
159.4
169.1
189.3
199.3
187.4
187.4
187.4
187.4
189.2
190.8
240.9
240.7
260.7
260.7
251.8
261.3
120.3
139.4
Others
1,188.4
1,176.7
1,325.4
1,395.0
1,402.8
1,281.6
1,258.4
1,146.5
1,155.4
1,117.7
1,027.1
1,084.1
867.2
780.7
782.7
680.9
677.3
534.8
422.5
400.7
335.6
325.1
315.0
295.0
274.3
299.8
339.9
329.9
340.2
400.8
370.7
400.6
430.9
430.9
674.2
688.6
667.9
822.3
Bond in Foreign Currency
38.1
47.3
68.2
87.2
90.2
103.7
123.9
129.6
136.1
129.2
111.8
116.4
132.7
139.6
168.7
143.9
142.8
124.2
147.7
233.2
215.6
243.7
239.1
237.5
219.9
217.4
194.3
202.0
202.0
174.2
168.3
141.7
125.2
125.2
97.5
85.0
67.4
73.8
Stock
475.6
468.1
478.4
468.5
481.7
450.4
485.6
462.1
472.3
449.2
432.1
416.7
461.0
424.3
396.6
408.8
391.1
283.0
296.0
274.4
293.4
309.9
283.5
281.3
284.5
284.2
285.5
272.7
272.3
284.0
276.7
284.0
279.9
279.9
292.5
304.5
315.1
318.0
Others(excluding bond)
197.3
223.1
231.1
162.5
260.2
272.4
224.1
294.0
346.4
367.3
331.6
267.5
302.8
348.2
297.7
259.4
251.1
261.3
342.4
303.1
287.8
301.3
290.1
317.8
366.2
358.8
392.7
296.1
320.4
350.8
340.9
319.3
273.7
273.7
326.2
376.0
537.7
580.6
Others(excluding bond) in Foreign Currency
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
Sub-total
6,129.6
6,380.2
6,818.4
6,877.2
7,125.3
7,378.0
7,333.5
7,386.0
7,382.3
7,318.2
7,363.0
7,313.2
7,656.6
7,830.7
7,758.2
7,691.4
7,517.7
7,143.0
7,508.4
7,705.3
7,986.7
7,974.6
8,036.9
8,046.8
8,232.4
8,200.0
8,303.5
8,160.9
8,268.8
8,290.0
8,214.8
8,059.5
7,376.9
7,376.9
7,900.4
7,953.9
7,947.5
8,078.8
Equity Method
0.3
0.3
0.3
0.3
0.3
0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
30.2
40.2
40.2
50.2
10.0
43.3
43.1
37.9
33.8
33.8
33.6
33.9
33.5
107.5
107.6
108.2
67.7
68.4
Total
6,129.9
6,380.5
6,818.7
6,877.5
7,125.6
7,378.3
7,333.7
7,386.2
7,382.5
7,318.4
7,363.2
7,313.4
7,656.8
7,830.9
7,758.4
7,691.6
7,517.9
7,143.2
7,508.6
7,705.5
8,016.9
8,014.8
8,077.1
8,097.0
8,242.4
8,243.3
8,346.6
8,198.8
8,302.6
8,323.8
8,248.4
8,093.4
7,410.4
7,484.4
8,008.0
8,062.1
8,015.2
8,147.2
▪ Others(excluding bond) include mutual fund, ELS, etc.
S_BS
Hi Invest. & Sec. Condensed B/S (Separate)
Back to Home
(in bn won), Ending Balance
2017
2018
2019
2020
2021
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Cash and Due
304.3
308.3
302.6
432.4
295.7
347.3
320.1
284.8
336.1
328.8
403.1
577.8
1,146.0
1,436.1
1,195.7
1,006.4
923.6
791.6
Financial Assets at FVPL
3,933.4
3,527.9
3,337.3
3,478.5
3,991.6
4,349.3
3,603.2
4,276.4
5,372.3
5,399.2
5,168.9
5,636.4
6,850.4
7,171.2
6,982.2
7,051.4
7,447.6
7,562.5
Financial Assets at FVOCI
264.4
265.1
256.2
262.1
189.3
189.3
189.4
209.1
153.5
158.6
158.4
165.1
148.2
129.8
139.8
189.1
185.8
186.1
Financial Assets at AC
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Investment in Associates
99.6
98.3
98.3
88.6
86.5
89.5
89.5
89.5
87.3
7.9
7.9
7.9
4.9
16.9
16.9
16.1
31.4
36.9
Derivatives
16.7
20.4
17.2
11.8
11.4
4.9
6.4
4.9
5.4
10.2
7.0
13.2
10.2
5.1
4.7
10.2
4.3
2.5
Loans
1,057.0
1,358.4
1,222.6
614.2
1,544.9
1,187.4
1,319.7
712.0
1,588.6
1,439.2
1,145.0
782.4
1,747.4
1,997.1
1,563.5
1,395.5
1,889.3
2,186.8
Other Assets
124.7
130.6
134.6
130.4
137.4
131.0
139.2
137.5
183.5
244.6
251.2
156.8
172.3
173.3
181.5
153.9
154.8
159.8
Total Assets
5,800.1
5,709.0
5,368.8
5,018.0
6,256.8
6,298.7
5,667.5
5,714.2
7,726.7
7,588.5
7,141.5
7,339.6
10,079.4
10,929.5
10,084.3
9,822.6
10,636.8
10,926.2
Deposits
303.7
416.7
336.1
537.8
382.3
380.2
362.3
344.4
407.7
315.7
396.8
405.0
663.9
832.7
687.9
961.6
675.7
746.1
Financial Liabilities at FVPL
1,425.3
1,669.3
1,250.5
987.5
1,404.0
1,144.1
1,714.2
1,009.2
1,741.5
939.9
1,421.6
2,460.6
1,481.3
1,120.0
1,464.7
1,433.5
3,062.4
4,603.6
Debenture
2,517.1
2,325.4
2,378.9
2,598.0
2,654.8
3,150.2
2,008.1
3,226.5
3,683.0
4,524.4
3,733.2
3,320.6
5,488.5
6,434.1
5,780.7
5,685.7
4,656.7
3,113.5
Derivatives
47.1
38.0
18.3
6.6
16.3
29.9
31.9
70.6
43.5
43.8
64.2
54.5
164.8
151.6
130.9
83.9
39.1
34.8
Other Liabilities
801.4
570.4
688.5
184.8
1,081.0
858.9
808.5
320.3
1,091.7
994.9
739.4
276.9
1,272.9
1,355.5
947.3
604.0
1,117.7
1,294.0
Total Liabilities
5,094.6
5,019.8
4,672.3
4,314.7
5,538.4
5,563.3
4,925.0
4,971.0
6,967.4
6,818.7
6,355.2
6,517.6
9,071.4
9,893.9
9,011.5
8,768.7
9,551.6
9,792.0
Total Equity
705.5
689.2
696.5
703.3
718.4
735.4
742.5
743.2
759.3
769.8
786.3
822.0
1,008.0
1,035.6
1,072.8
1,053.9
1,085.2
1,134.2
Total Equity & Liabilities
5,800.1
5,709.0
5,368.8
5,018.0
6,256.8
6,298.7
5,667.5
5,714.2
7,726.7
7,588.5
7,141.5
7,339.6
10,079.4
10,929.5
10,084.3
9,822.6
10,636.8
10,926.2
▪ Separate basis
S_IS
Hi Invest. & Sec. Condensed I/S (Separate)
Back to Home
(in bn won)
2017
FY 2017
2018
FY 2018
2019
FY 2019
2020
FY 2020
2021
1H21
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Net Revenues
47.1
30.9
53.3
59.2
190.5
71.2
73.9
54.0
55.4
254.5
60.7
65.9
74.1
79.0
279.7
79.9
96.3
111.0
89.5
377.5
114.5
144.3
258.8
Brokerage
11.1
13.3
12.9
15.9
53.2
20.0
16.7
11.5
10.8
59.0
12.1
11.5
9.8
10.3
43.7
16.2
20.7
24.2
20.0
81.1
24.7
21.7
46.4
Financial Product Sales(WM)
4.0
3.9
3.9
3.8
15.6
3.6
3.6
3.3
3.1
13.6
3.2
3.4
3.4
3.4
13.4
3.6
3.4
4.1
3.4
14.5
4.1
4.2
8.3
IB / PF
19.7
27.0
28.1
22.8
97.6
23.2
32.0
22.9
36.8
114.9
25.0
28.7
36.7
51.2
141.6
48.4
54.8
51.2
51.2
205.6
54.2
82.8
137.0
Trading
2.1
-15.6
-1.2
1.4
-13.3
10.4
16.2
7.3
4.4
38.3
13.5
15.6
16.7
6.4
52.2
1.9
8.2
19.7
6.8
37.4
15.5
24.5
40.0
Interest Income & Others
10.2
2.3
9.6
15.3
37.4
14.0
5.4
9.0
0.3
28.7
6.9
6.7
7.5
7.7
28.8
9.8
9.2
11.8
8.1
38.9
16.0
11.1
27.1
SG&A Expenses(-)
37.4
49.4
43.1
44.6
174.5
48.2
52.3
41.3
52.1
193.9
46.8
49.6
52.0
58.5
206.9
57.8
64.4
61.4
63.7
247.3
66.3
76.4
142.7
Personnel Expenses
21.5
33.5
26.6
28.1
109.7
30.7
36.0
25.1
34.2
126.0
29.7
31.5
35.1
37.2
133.5
39.9
45.8
42.7
46.4
174.8
44.0
52.9
96.9
Other Expenses
15.9
15.9
16.5
16.5
64.8
17.5
16.3
16.2
17.9
67.9
17.1
18.1
16.9
21.3
73.4
17.9
18.6
18.7
17.3
72.5
22.3
23.5
45.8
Operating Income
9.7
-18.5
10.2
14.6
16.0
23.0
21.6
12.7
3.3
60.6
13.9
16.3
22.1
20.5
72.8
22.1
31.9
49.6
25.8
130.2
48.2
67.9
116.1
Non-operating Income
0.1
-0.5
-0.2
-4.5
-5.1
0.4
0.3
0.3
-0.4
0.6
6.3
-1.9
0.0
27.7
32.1
-0.1
1.0
0.0
12.1
12.2
0.0
-1.1
-1.1
Pretax Income
9.8
-19.0
10.0
10.1
10.9
23.4
21.9
13.0
2.9
61.2
20.2
14.4
22.1
48.2
104.9
22.0
32.9
49.6
37.9
142.4
48.2
66.8
115.0
Tax & Others
1.0
-3.2
2.5
4.3
4.6
5.6
4.9
4.2
0.6
15.3
3.6
4.7
5.3
9.7
23.3
6.4
5.3
12.2
11.7
35.6
13.0
17.4
30.4
Net Income
8.8
-15.8
7.5
5.8
6.3
17.8
17.0
8.8
2.3
45.9
16.6
9.7
16.8
38.5
81.6
15.6
27.6
37.4
26.2
106.8
35.2
49.4
84.6
▪ Separate basis
S_PF&NCR
1175.9
Hi Invest. & Sec. PF / NCR
Back to Home
◈ PF Exposure
(in bn won), %
2017
2018
2019
2020
2021
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
PF Exposure
1,121.5
1,115.5
1,109.2
1,059.9
914.4
943.3
770.0
759.0
844.8
975.2
819.8
977.6
1,152.2
1,346.3
1,428.3
1,442.0
1,270.1
1,175.9
Real-estate
811.6
791.7
776.4
793.9
649.8
699.4
629.5
611.5
677.0
780.7
646.8
844.6
1,039.4
1,187.5
1,265.7
1,259.9
1,109.3
996.0
Non Real-estate
309.9
323.8
332.8
266.0
264.6
243.9
140.5
147.5
167.8
194.5
173.0
133.0
112.8
158.8
162.6
182.1
160.8
179.9
PF Exposure / Equity (%)
159.0
161.9
159.3
150.7
127.3
128.3
103.7
101.7
111.4
126.7
104.2
118.7
114.3
130.0
133.1
136.8
117.0
103.7
◈ Net Capital Ratio(NCR)
(in bn won), %, Separate Basis
2017
2018
2019
2020
2021
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Net Operating Capital
559.1
537.5
537.5
557.1
581.7
606.1
540.6
548.4
562.2
572.6
579.4
702.2
829.1
890.7
938.5
940.6
971.2
1,023.4
Total Risk
174.8
177.3
179.8
180.1
179.3
196.6
183.5
192.9
211.7
244.9
218.3
234.6
307.3
341.6
368.8
351.4
332.4
345.0
Required Capital
114.8
114.8
114.8
114.8
114.8
114.8
114.8
114.8
114.8
114.8
114.6
114.6
114.6
114.6
114.6
114.6
114.6
114.6
NCR (%)
334.8
313.7
311.6
328.5
350.5
356.7
311.1
309.7
305.3
285.5
315.1
407.9
455.3
479.0
497.1
514.0
557.3
591.8
S_WM
Hi Invest. & Sec. Brokerage / WM
Back to Home
◈ Average Daily Trading Volume
(in bn won), %, basis point
2017
2018
2019
2020
2021
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Kospi
97.9
136.3
133.6
163.3
210.4
211.2
192.3
219.7
218.5
214.5
195.5
164.7
341.6
409.7
351.7
320.8
463.9
334.0
Kosdaq
33.1
41.1
43.6
92.2
103.1
90.0
54.5
50.3
70.8
68.9
60.7
66.9
107.6
158.2
197.2
184.4
176.5
147.6
Avg. Daily Trading Volume
131.0
177.4
177.2
255.5
313.5
301.2
246.8
270.0
289.3
283.4
256.2
231.6
449.2
567.9
548.9
505.2
640.4
481.6
Brokerage M/S (%)
0.70
0.75
0.86
0.88
0.89
0.86
1.05
1.11
1.26
1.22
1.13
0.94
1.12
1.01
0.86
0.78
0.79
0.76
Avg. Commission Rate (bp)
12.2
11.1
10.2
10.2
9.7
8.6
6.8
5.5
6.0
5.3
4.9
5.9
4.7
5.2
6.3
6.0
5.9
6.5
▪ Brokerage M/S above excludes ELW, ETF, ETN transactions
◈ WM Client Assets
(in bn won), Ending Balance
2017
2018
2019
2020
2021
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Corporate
1,696.7
1,952.4
1,801.4
1,864.1
1,901.2
1,914.3
1,929.9
1,942.9
2,200.6
2,181.2
2,236.9
2,257.6
2,519.1
2,784.1
2,676.2
3,056.1
3,450.5
3,637.5
Individual
7,153.4
7,998.1
6,403.2
6,603.4
6,378.1
6,048.6
6,158.8
5,454.3
5,697.7
5,498.5
5,288.0
5,860.9
5,338.7
6,905.8
7,434.3
8,917.1
9,320.2
9,990.5
(over 0.1 bn won financial product assets)
7,231.7
8,305.8
6,624.0
6,938.0
6,642.2
6,391.6
6,464.1
5,799.2
6,316.1
6,120.9
5,905.3
6,521.1
6,318.7
8,039.1
8,413.0
10,181.0
10,898.8
11,686.8
Total
8,850.1
9,950.5
8,204.6
8,467.5
8,279.3
7,962.9
8,088.7
7,397.2
7,898.3
7,679.7
7,524.9
8,118.5
7,857.8
9,689.9
10,110.5
11,973.2
12,770.7
13,628.0
L_BS
DGB Life Condensed B/S
Back to Home
(in bn won), Ending Balance
2015
2016
2017
2018
2019
2020
2021
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Invested Assets
4,738.1
4,858.2
4,907.8
5,019.7
5,134.4
5,199.6
5,245.0
5,250.3
5,311.1
5,434.5
5,435.9
5,429.1
5,389.6
5,608.0
5,674.6
5,714.8
5,746.5
5,786.1
5,820.0
5,808.9
5,913.8
5,953.1
5,946.9
5,873.2
5,807.5
5,870.5
Non Operating Assets
302.2
280.8
292.5
259.2
258.2
236.3
240.3
250.0
258.1
225.5
245.8
276.0
301.5
278.2
301.0
301.2
333.2
315.4
310.3
323.8
317.1
295.0
288.9
303.3
326.1
313.1
DAC
172.2
163.3
155.8
134.1
125.4
121.9
119.7
116.3
113.5
108.1
106.4
105.9
105.4
106.5
108.5
105.9
107.3
108.6
110.3
111.6
114.1
115.6
117.6
119.3
119.7
123.4
Separate Account Assets
46.2
50.7
54.5
55.8
61.1
64.0
68.2
74.7
85.1
91.0
100.4
108.9
113.1
118.9
127.2
132.2
141.4
148.8
157.3
166.0
172.9
207.4
261.0
330.6
407.1
511.7
Total Asseets
5,086.5
5,189.8
5,254.8
5,334.7
5,453.7
5,499.9
5,553.5
5,575.0
5,654.4
5,751.0
5,782.1
5,813.9
5,804.2
6,005.1
6,102.8
6,148.2
6,221.0
6,250.3
6,287.6
6,298.7
6,403.8
6,455.5
6,496.8
6,507.1
6,540.7
6,695.3
Policy Reserve
4,701.1
4,770.5
4,825.6
4,883.0
4,946.5
4,996.6
5,036.7
5,074.5
5,118.3
5,173.1
5,204.0
5,238.1
5,271.2
5,385.2
5,482.1
5,522.5
5,524.2
5,539.3
5,566.2
5,640.8
5,629.5
5,648.3
5,654.1
5,615.7
5,594.5
5,592.3
Other Liabilities
149.8
138.5
138.2
109.4
145.4
121.7
134.8
147.3
173.9
204.6
200.3
193.5
192.0
268.6
254.8
253.6
281.8
272.2
257.0
236.2
300.4
266.2
245.7
255.2
276.0
306.2
Separate Account Liab.
47.3
51.6
56.4
56.7
62.2
65.2
69.1
76.6
86.7
93.4
103.1
111.2
114.4
121.0
130.5
134.6
143.7
149.8
159.7
169.6
177.4
215.0
272.3
345.5
428.0
535.4
Total Liabilities
4,898.2
4,960.6
5,020.2
5,049.1
5,154.1
5,183.5
5,240.6
5,298.4
5,378.9
5,471.1
5,507.4
5,542.8
5,577.6
5,774.8
5,867.4
5,910.7
5,949.7
5,961.3
5,982.9
6,046.6
6,107.3
6,129.5
6,172.2
6,216.3
6,298.5
6,433.9
Shareholders' Equity
73.7
123.7
123.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
173.7
Paid-in Capital
39.5
39.1
39.1
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
38.8
Retained Earnings
9.8
13.6
15.9
22.7
31.1
35.0
36.9
37.6
40.5
45.0
47.5
50.2
49.0
51.1
51.6
41.1
59.0
64.4
72.2
29.9
59.8
79.0
75.4
63.5
65.8
73.8
Accumulated Other Comprehensive
65.3
52.7
56.0
50.3
56.0
68.8
63.5
26.5
22.5
22.4
14.7
8.4
-34.9
-33.3
-28.7
-16.2
-0.2
12.1
19.9
9.6
24.1
34.5
36.7
14.6
-36.2
-25.0
Total Equity
188.3
229.2
234.7
285.6
299.6
316.4
312.9
276.6
275.5
279.9
274.7
271.1
226.6
230.3
235.4
237.5
271.3
289.0
304.7
252.1
296.5
326.0
324.6
290.7
242.2
261.3
Total Equity & Liabilities
5,086.5
5,189.8
5,254.8
5,334.7
5,453.7
5,499.9
5,553.5
5,575.0
5,654.4
5,751.0
5,782.1
5,813.9
5,804.2
6,005.1
6,102.8
6,148.2
6,221.0
6,250.3
6,287.6
6,298.7
6,403.8
6,455.5
6,496.8
6,507.1
6,540.7
6,695.3
L_IS
DGB Life Condensed I/S
Back to Home
(in bn won)
2015
FY 2015
2016
FY 2016
2017
FY 2017
2018
FY 2018
2019
FY 2019
2020
FY 2020
2021
1H21
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Total Operating Income
82.4
73.0
59.1
49.1
263.6
71.0
54.6
40.7
36.9
203.2
46.8
56.4
30.6
33.8
167.7
34.1
113.3
97.6
23.6
268.6
18.0
21.4
36.1
21.8
97.3
26.2
45.3
0.0
-46.0
25.5
-17.9
3.2
-14.7
Insurance Income
32.5
26.6
14.3
12.7
86.0
21.7
9.8
-6.5
-6.5
18.5
1.3
12.8
-10.8
-3.6
-0.3
-8.8
70.8
56.4
-17.7
100.7
-37.9
-26.0
-16.9
-14.5
-95.3
-25.5
-9.2
-43.9
-83.5
-162.1
-61.2
-46.1
-107.3
Insurance Oper. Revenues
256.5
244.5
231.8
227.9
960.6
231.9
223.6
223.7
215.4
894.6
225.6
210.4
206.8
200.3
843.0
210.0
278.8
286.0
224.8
999.6
213.2
198.6
196.5
192.8
801.1
206.3
198.6
198.7
189.3
792.9
200.3
201.5
401.8
Insurance Oper. Expenses
224.0
217.9
217.5
215.2
874.6
210.2
213.8
230.2
221.9
876.1
224.3
197.6
217.5
203.9
843.3
218.7
208.1
229.6
242.6
899.0
251.1
224.6
213.4
207.3
896.4
231.8
207.7
242.7
272.8
955.0
261.5
247.7
509.2
Investment Income
49.9
46.4
44.8
36.4
177.6
49.3
44.8
47.2
43.4
184.7
45.5
43.6
41.4
37.4
167.9
42.9
42.5
41.2
41.3
167.9
55.9
47.4
53.0
36.3
192.6
51.7
54.5
43.9
37.4
187.5
43.2
49.5
92.7
Investment Oper. Revenues
52.0
49.3
45.6
46.8
193.7
51.5
48.9
49.4
55.3
205.1
66.7
48.1
44.0
62.7
221.5
65.1
66.3
48.8
54.3
234.5
92.5
62.0
93.0
37.1
284.6
118.2
58.7
52.6
57.5
287.0
75.8
59.4
135.2
Investment Oper. Expenses
2.1
2.8
0.8
10.4
16.1
2.2
4.1
2.2
11.9
20.4
21.2
4.5
2.6
25.2
53.6
22.2
23.8
7.6
13.0
66.6
36.6
14.6
40.0
0.8
92.0
66.5
4.2
8.7
20.0
99.4
32.5
10.1
42.6
Increase in Policy Reserves
79.8
69.1
55.3
57.6
261.9
63.7
49.9
40.0
38.0
191.6
44.2
54.4
30.6
33.8
163.0
33.0
113.4
97.1
36.4
279.9
6.3
15.1
26.1
70.2
117.7
14.5
18.7
-1.8
-58.4
-27.0
-20.3
-3.7
-24.0
Oper. Income After Reserves
2.6
3.9
3.8
-8.6
1.7
7.3
4.7
0.7
-1.1
11.6
2.6
2.0
0.0
0.0
4.7
1.1
-0.1
0.5
-12.8
-11.3
11.8
6.2
10.0
-48.5
-20.5
11.7
26.7
1.8
12.3
52.5
2.3
7.0
9.3
Non-Oper. Income
5.1
-0.5
-0.5
4.3
8.4
3.7
0.2
-1.0
-0.1
2.8
1.1
2.5
1.6
-0.7
4.6
1.5
0.4
0.3
0.1
2.3
1.4
1.0
0.2
0.9
3.5
1.2
0.1
0.8
-6.3
-4.2
0.8
3.0
3.8
Non-Oper. Revenues
5.6
-0.2
-0.3
5.1
10.0
3.9
0.4
-0.6
0.8
4.5
1.6
3.5
1.8
-0.1
6.9
2.1
1.0
2.0
2.1
7.2
2.3
2.0
2.0
2.1
8.4
2.0
1.6
1.8
2.3
7.7
2.8
4.9
7.7
Non-Oper. Expenses
0.5
0.3
0.2
0.8
1.6
0.2
0.2
0.4
0.9
1.7
0.5
1.0
0.2
0.6
2.3
0.7
0.6
1.7
1.9
4.9
0.9
1.1
1.7
1.2
4.9
0.7
1.5
1.1
8.6
11.9
2.0
1.9
3.9
Net Income Before Tax
7.7
3.4
3.3
-4.3
10.1
11.0
4.9
-0.3
-1.2
14.4
3.7
4.5
1.6
-0.6
9.2
2.6
0.3
0.7
-11.7
-8.1
13.2
7.2
10.2
-47.6
-17.0
12.9
26.8
2.5
6.1
48.3
3.2
9.9
13.1
Income Tax Expenses
1.7
-0.4
1.0
-11.1
-8.8
2.6
1.0
-2.2
-1.9
-0.5
0.8
0.0
-0.9
-3.3
-3.4
2.7
-1.8
0.3
-7.1
-5.9
3.4
1.7
2.5
-13.4
-5.8
3.7
7.6
0.4
1.5
13.2
0.9
2.0
2.9
Net Income
6.0
3.8
2.3
6.9
19.0
8.4
3.9
1.9
0.7
14.9
2.9
4.5
2.5
2.7
12.6
-0.1
2.1
0.5
-5.6
-3.1
9.8
5.4
7.8
-34.2
-11.2
9.2
19.1
2.2
4.6
35.1
2.3
8.0
10.3
L_Key
DGB Life Key Indicators
Back to Home
◈ RBC Ratio
(in bn won), %
2015
2016
2017
2018
2019
2020
2021
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Available Capital
242.5
272.4
274.8
329.6
341.3
347.3
364.1
314.6
353.3
362.1
346.3
328.3
311.0
346.1
335.5
331.4
355.9
368.2
380.2
337.3
362.0
717.3
716.9
604.6
436.3
475.2
Required Capital
144.2
149.8
151.2
163.0
168.1
179.2
187.2
191.7
191.4
189.6
187.7
178.2
173.0
180.9
187.2
191.8
191.7
195.1
196.9
199.4
193.0
220.5
261.3
265.7
205.0
208.0
RBC ratio (%)
168.2
181.8
181.8
202.2
203.1
193.8
194.5
164.1
184.6
191.0
184.5
184.2
179.8
191.3
179.3
172.8
185.6
188.7
193.1
169.1
187.5
325.3
274.3
227.6
212.8
228.4
◈ Indices(Accumulative basis)
%
2015
2016
2017
2018
2019
2020
2021
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Investment
Yield
3.9
4.2
4.0
3.7
3.7
3.6
3.6
3.7
3.5
3.4
3.3
3.2
3.1
3.0
3.0
3.1
3.3
3.3
3.5
3.4
3.3
3.3
3.1
3.2
3.0
2.8
Operation
13th Month Persistency
77.5
77.5
76.9
74.9
64.6
65.5
63.4
66.1
79.8
80.7
81.5
80.9
82.9
81.6
81.3
81.0
79.2
83.5
84.4
83.7
80.4
81.6
82.4
83.1
84.0
86.2
25th Month Persistency
64.2
62.9
62.7
61.8
60.4
58.2
55.9
54.5
49.2
51.6
49.9
52.2
63.4
64.6
66.4
65.6
70.1
66.8
64.2
63.9
60.7
70.1
73.2
72.6
68.3
69.8
Expense Ratio
5.9
5.8
6.1
6.2
6.0
6.2
6.4
6.6
6.6
6.7
6.9
7.2
7.2
7.1
7.2
7.4
7.4
8.3
7.8
12.7
7.2
6.1
7.1
7.6
6.2
5.1
Loss Ratio
108.0
108.4
103.3
101.6
95.8
93.7
93.0
92.6
98.9
96.0
95.6
93.9
90.6
97.7
95.3
98.6
89.6
91.3
96.4
101.3
109.4
103.3
99.7
102.4
103.9
107.0
▪ Expense Ratio : Maintenance Expense / Adjusted Premium Income (API)*
*API excludes corp.pension & retirement insurance and includes 1/10 of single premiums
▪ Loss Ratio : (net amount at risk + waiver of premium + reinsurance expense) / Risk Premium
▪ All figures above are accumulative basis
L_Premium
DGB Life Premium
Back to Home
(in bn won), Quarterly
2015
2016
2017
2018
2019
2020
2021
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Premium Income
253.0
242.4
230.5
223.4
229.2
220.3
220.3
214.4
225.4
210.5
208.5
203.5
211.3
279.6
288.9
227.4
213.9
199.2
199.6
198.7
216.5
224.9
247.4
252.8
276.3
292.1
(Protection Insurance Premium)
81.4
77.1
75.1
72.7
84.8
83.3
90.4
88.6
104.8
94.7
96.2
96.2
110.8
105.0
106.0
109.2
130.8
119.7
120.9
119.0
133.6
127.6
127.9
121.6
133.6
127.0
New Premium
12.3
8.1
6.6
4.8
15.7
12.1
10.1
9.0
20.1
11.6
11.8
10.1
20.6
91.0
102.0
40.5
26.8
15.1
14.7
14.6
30.7
37.3
57.2
61.0
80.7
93.9
APE(Annual Premium Equivalent)
31.1
29.0
24.3
19.6
33.0
40.0
38.5
29.4
38.4
22.5
27.5
21.7
36.0
39.6
45.2
37.5
54.0
34.6
37.1
28.4
45.7
41.3
49.4
46.3
55.2
70.3
C_BS
DGB Capital Condensed B/S
Back to Home
(in bn won), Ending Balance
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Cash & Due
20.3
113.2
48.7
92.6
41.3
67.0
48.2
63.1
41.0
21.4
17.6
55.6
60.3
10.5
14.2
25.4
28.2
15.2
12.6
25.6
22.1
25.6
35.8
87.2
55.8
75.9
35.9
26.6
37.8
39.1
83.4
31.7
108.6
180.6
67.1
43.0
127.7
34.4
Operating Assets
169.8
179.4
251.1
318.0
380.9
457.0
536.9
572.5
631.3
804.2
849.6
893.5
890.2
1,020.9
1,153.5
1,220.4
1,414.2
1,583.4
1,686.4
1,798.1
1,908.5
2,319.3
2,357.5
2,445.4
2,509.5
2,571.3
2,594.9
2,696.1
2,646.9
2,701.9
2,779.1
3,031.1
3,078.0
3,203.2
3,322.2
3,417.1
3,585.5
3,746.9
Lease
95.6
118.3
155.1
185.4
220.1
255.3
284.0
317.0
348.8
441.9
470.8
491.8
491.2
515.7
548.1
567.7
583.9
609.8
617.3
618.2
634.0
674.0
686.4
687.7
682.8
681.3
669.7
714.3
697.5
677.8
666.8
658.6
646.6
647.1
634.2
621.4
606.2
611.3
Installment Finance
0.7
2.7
4.7
11.4
12.6
18.4
22.5
27.3
44.3
60.5
70.7
75.4
73.2
74.4
72.2
75.5
77.8
78.8
74.9
71.4
64.3
60.4
56.0
54.9
50.5
49.8
46.2
645.9
652.3
757.2
754.7
877.5
933.6
1,012.8
1,016.6
1,069.7
1,215.7
1,333.4
Securities
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
8.7
19.1
26.8
28.7
38.3
47.1
49.5
56.5
99.8
112.4
496.6
458.0
423.5
472.2
528.8
493.1
522.3
619.9
714.8
766.5
817.4
Corporate Loan
24.2
56.2
84.2
109.8
135.7
166.6
213.9
212.4
224.2
281.6
286.8
308.0
310.0
410.0
411.1
440.9
581.8
684.1
694.7
767.2
814.8
902.8
956.2
985.7
927.8
948.5
965.8
866.8
864.0
870.8
911.5
983.2
1,009.4
1,029.4
1,056.7
1,024.7
1,008.7
987.9
Personal Loan & Others
49.3
2.2
7.1
11.4
12.5
16.7
16.5
15.8
14.0
20.2
21.3
18.3
15.8
20.8
122.2
136.2
169.8
202.1
280.5
314.5
366.8
643.8
611.8
667.6
791.9
791.9
800.8
-27.5
-24.9
-27.4
-26.1
-17.0
-4.7
-8.4
-5.2
-13.5
-11.6
-3.1
Other Assets
4.0
3.7
4.1
5.7
4.8
5.9
6.7
8.0
8.9
11.8
11.0
9.2
8.0
10.4
13.9
12.5
15.5
16.8
19.2
27.4
29.6
31.8
33.0
34.7
37.6
34.8
36.4
39.4
44.8
44.1
49.2
42.4
41.5
43.6
38.6
44.0
41.4
54.5
Total Assets
194.1
296.3
305.7
416.3
427.0
529.9
591.8
643.6
681.2
837.4
878.2
958.3
958.5
1,041.8
1,181.6
1,258.3
1,456.9
1,615.4
1,718.2
1,851.1
1,960.2
2,376.7
2,426.3
2,567.3
2,602.9
2,682.0
2,667.2
2,762.1
2,729.5
2,785.1
2,911.7
3,105.2
3,228.1
3,427.4
3,427.9
3,504.1
3,754.6
3,835.8
Total Liabilities
126.0
229.9
238.5
348.2
356.8
408.1
467.6
521.3
556.7
710.5
749.9
831.6
729.7
811.1
949.8
1,030.5
1,225.2
1,379.7
1,478.4
1,613.3
1,721.7
2,082.8
2,127.5
2,271.7
2,302.3
2,374.4
2,353.0
2,454.8
2,413.8
2,413.0
2,531.8
2,740.5
2,855.4
3,045.7
3,036.6
3,070.3
3,307.2
3,362.5
Total Equity
68.1
66.4
67.2
68.1
70.2
121.8
124.2
122.3
124.5
126.9
128.3
126.7
228.8
230.7
231.8
227.8
231.7
235.7
239.8
237.8
238.5
293.9
298.8
295.6
300.6
307.6
314.2
307.3
315.7
372.1
379.9
364.7
372.7
381.7
391.3
433.8
447.4
473.3
Total Equity & Liabilities
194.1
296.3
305.7
416.3
427.0
529.9
591.8
643.6
681.2
837.4
878.2
958.3
958.5
1,041.8
1,181.6
1,258.3
1,456.9
1,615.4
1,718.2
1,851.1
1,960.2
2,376.7
2,426.3
2,567.3
2,602.9
2,682.0
2,667.2
2,762.1
2,729.5
2,785.1
2,911.7
3,105.2
3,228.1
3,427.4
3,427.9
3,504.1
3,754.6
3,835.8
C_IS
DGB Capital Condensed I/S
Back to Home
(in bn won)
2012
FY 2012
2013
FY 2013
2014
FY 2014
2015
FY 2015
2016
FY 2016
2017
FY 2017
2018
FY 2018
2019
FY 2019
2020
FY 2020
2021
1H21
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Operating Profit
0.0
0.1
3.2
3.8
7.1
4.2
5.1
5.8
6.8
21.9
6.7
7.7
7.9
8.1
30.4
8.4
9.1
10.3
11.3
39.1
12.1
12.9
13.9
15.0
53.9
14.6
16.9
16.7
20.6
68.8
19.2
20.2
20.8
20.0
80.2
22.4
23.1
23.4
25.8
94.7
26.4
29.5
29.4
30.5
115.8
33.9
49.5
83.4
Interest Income
0.0
2.8
3.1
3.8
9.7
4.1
5.0
6.0
6.5
21.6
6.7
7.8
8.1
8.2
30.8
8.5
9.7
10.6
12.6
41.4
12.2
13.1
14.0
14.6
53.9
14.6
17.5
17.3
18.3
67.7
20.3
21.2
21.1
18.5
81.1
21.7
21.8
23.3
23.7
90.5
24.6
25.7
27.6
29.3
107.2
30.5
32.7
63.2
Non-Interest Income
0.0
-2.7
0.1
0.0
-2.6
0.1
0.1
-0.2
0.3
0.3
0.0
-0.1
-0.2
-0.1
-0.4
-0.1
-0.6
-0.3
-1.3
-2.3
-0.1
-0.2
-0.1
0.4
0.0
0.0
-0.6
-0.6
2.3
1.1
-1.1
-1.0
-0.3
1.5
-0.9
0.7
1.3
0.1
2.1
4.2
1.8
3.8
1.8
1.2
8.6
3.4
16.8
20.2
SG&A Expenses(-)
0.0
1.4
1.5
1.7
4.6
1.6
1.4
1.6
1.5
6.1
1.9
2.1
2.3
2.3
8.6
2.7
3.1
3.2
3.3
12.3
3.6
4.1
4.0
5.5
17.2
5.2
5.3
5.4
6.4
22.3
6.2
6.4
6.6
8.4
27.6
6.9
7.7
7.9
10.5
33.0
8.1
9.3
9.1
11.6
38.1
8.5
10.4
18.9
Provision(-)
0.0
0.0
0.8
0.9
1.7
-0.1
0.7
1.1
2.5
4.2
1.8
2.6
3.7
2.8
10.9
3.0
3.3
5.6
7.8
19.7
3.4
3.7
4.7
6.6
18.4
7.2
5.8
5.3
6.3
24.6
5.6
4.2
5.5
7.4
22.7
4.9
7.7
5.9
8.3
26.8
8.9
6.0
7.2
8.9
31.0
8.9
6.3
15.2
Operating Income
0.0
-1.3
0.9
1.2
0.8
2.7
3.0
3.1
2.8
11.6
3.0
3.0
1.9
3.0
10.9
2.7
2.7
1.5
0.2
7.1
5.1
5.1
5.2
2.9
18.3
2.2
5.8
6.0
7.9
21.9
7.4
9.6
8.7
4.2
29.9
10.6
7.7
9.6
7.0
34.9
9.4
14.2
13.1
10.0
46.7
16.5
32.8
49.3
Net Income
0.0
-1.3
0.6
0.9
0.2
2.1
2.3
2.4
2.1
8.9
2.3
2.3
1.5
2.4
8.5
2.2
1.9
1.1
0.2
5.4
3.9
4.0
4.0
2.2
14.1
1.7
4.3
5.0
5.9
16.9
5.6
6.7
6.8
3.3
22.4
8.3
6.4
7.6
5.3
27.6
7.6
10.4
10.3
7.8
36.1
13.0
25.2
38.2
C_Quality
DGB Capital Asset Quality / Delinquency
Back to Home
◈ Asset Quality
(in bn won), %
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Total Loan
170.5
180.4
254.0
318.8
381.8
458.6
541.9
580.3
651.2
814.2
861.2
905.5
924.5
1,037.2
1,173.2
1,247.2
1,437.9
1,599.9
1,665.4
1,769.2
1,909.0
2,309.1
2,337.0
2,423.2
2,480.3
2,494.2
2,506.4
2,611.4
2,546.5
2,595.2
2,646.5
2,895.0
2,917.8
3,038.2
3,155.0
3,242.3
3,414.3
3,556.2
Normal
165.9
179.3
244.1
307.4
366.8
444.8
513.0
560.1
634.6
781.8
819.4
871.2
886.1
994.3
1,138.5
1,199.1
1,389.6
1,524.6
1,583.2
1,699.8
1,825.1
2,215.6
2,246.1
2,328.9
2,386.8
2,398.2
2,404.7
2,519.3
2,453.1
2,500.5
2,550.6
2,796.7
2,804.2
2,932.9
3,033.9
3,117.4
3,286.6
3,441.7
Precautionary
1.6
0.4
8.9
9.8
13.3
12.7
27.4
16.1
10.8
23.8
32.3
25.8
25.0
24.9
17.1
28.5
29.3
55.7
55.5
41.1
47.7
52.5
49.0
53.9
54.9
57.6
61.1
52.5
50.6
49.0
49.5
52.1
70.0
62.1
76.5
84.0
86.7
77.9
Substandard
0.1
0.3
0.4
0.3
1.0
0.5
0.7
1.8
2.9
5.5
7.4
6.3
9.9
13.3
10.2
9.2
10.4
10.9
16.1
15.5
18.4
23.7
25.2
24.1
23.2
22.5
21.6
19.4
21.3
22.0
21.8
20.4
17.6
16.3
15.6
12.3
11.9
9.3
Doubtful
2.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.3
0.4
0.4
0.4
0.4
3.1
2.8
5.2
8.5
8.8
10.3
11.7
10.1
7.8
9.9
Estimated Loss
0.8
0.4
0.6
1.3
0.7
0.6
0.8
2.3
2.9
3.1
2.1
2.3
3.5
4.7
7.5
10.4
8.6
8.8
10.6
12.9
17.8
17.3
16.6
16.0
15.0
15.5
18.6
19.8
18.4
20.9
19.4
17.3
17.0
16.7
17.2
18.5
21.2
17.4
NPL Ratio(%)
1.76
0.39
0.39
0.50
0.45
0.24
0.27
0.72
0.89
1.06
1.10
0.94
1.48
1.74
1.51
1.57
1.32
1.25
1.60
1.61
1.90
1.78
1.79
1.66
1.56
1.54
1.62
1.52
1.68
1.76
1.75
1.60
1.49
1.42
1.41
1.26
1.20
1.03
NPL Coverage Ratio(%)
116.7
214.3
210.0
187.5
170.6
290.9
323.5
143.1
120.4
102.3
94.6
97.0
79.5
69.4
93.2
102.7
100.9
126.0
91.0
87.6
87.0
90.2
91.3
95.2
103.6
100.3
103.4
110.0
101.6
102.0
103.2
108.9
115.4
120.4
124.0
140.5
151.2
160.7
◈ Delinquency Ratio
%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Lease
8.34
5.03
4.11
3.85
2.83
2.54
2.56
3.20
3.51
3.77
4.22
3.34
4.38
4.39
4.08
4.59
4.01
4.14
4.57
4.29
4.75
4.47
4.06
4.56
4.87
4.43
4.38
3.58
3.41
3.22
2.58
2.34
1.85
1.49
1.20
1.13
0.98
0.94
Installment
1.26
0.31
0.05
0.04
0.05
0.00
0.02
4.57
1.56
0.57
2.66
0.70
1.42
1.90
2.01
1.12
2.06
1.74
1.55
3.87
4.05
3.99
3.44
3.84
6.30
4.41
3.14
1.76
2.19
1.58
1.29
1.12
1.70
1.69
2.38
2.43
2.55
2.90
Corporate Loans
0.60
0.40
0.21
0.46
1.09
1.02
0.81
1.32
1.23
1.89
3.05
1.88
2.33
1.31
1.73
1.77
1.58
1.40
1.69
1.47
1.90
1.87
2.03
2.04
1.95
2.12
2.04
1.79
2.15
1.91
1.76
1.43
1.55
1.35
1.24
1.08
0.86
0.73
Personal Loans
11.13
0.05
0.02
1.62
7.23
5.17
2.50
2.95
6.69
2.26
4.46
2.64
7.65
4.06
0.69
0.55
0.30
0.22
0.09
0.16
0.18
0.20
0.25
0.28
0.38
0.63
1.11
1.28
1.84
2.34
2.74
2.66
2.90
2.94
3.13
2.65
2.64
2.34
Overall
7.41
3.44
2.59
2.45
2.26
1.99
1.76
2.54
2.66
2.84
3.70
2.59
3.48
2.99
2.76
2.92
2.47
2.35
2.59
2.37
2.68
2.33
2.27
2.38
2.41
2.39
2.44
2.17
2.46
2.42
2.30
2.05
2.00
1.80
1.73
1.55
1.38
1.23
C_Portfolio
DGB Capital Loan Portfolio
Back to Home
(in bn won), %
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Lease
96.1
56.5
119.5
66.2
155.7
61.5
186.9
58.8
221.8
58.2
253.9
55.9
284.0
55.2
317.0
55.4
348.8
55.3
441.9
54.9
470.8
55.4
491.8
55.1
491.2
55.2
515.7
50.5
548.1
47.5
567.7
46.5
583.9
41.3
609.8
38.5
617.3
36.6
618.2
34.4
634.0
33.2
674.0
29.1
686.4
29.1
687.7
28.1
682.8
27.2
681.3
26.5
669.7
25.8
706.4
26.2
713.4
27.0
723.8
26.8
790.5
28.4
882.9
29.1
966.2
31.4
1,056.2
33.0
1,145.9
34.5
1,148.1
33.6
1,183.0
33.0
1,223.5
32.7
Financial Lease
Auto-parts & Metal
95.6
56.2
118.5
65.6
155.0
61.2
186.3
58.6
220.8
57.9
252.3
55.6
282.5
54.9
315.6
55.1
347.3
55.0
440.7
54.8
469.8
55.3
491.0
55.0
490.4
55.1
515.0
50.4
547.5
47.4
567.2
46.5
583.5
41.3
609.5
38.5
617.0
36.6
618.0
34.4
633.8
33.2
673.9
29.1
686.3
29.1
687.6
28.1
682.8
27.2
681.3
26.5
669.7
25.8
706.4
26.2
713.4
27.0
723.8
26.8
790.5
28.4
882.9
29.1
966.2
31.4
1,056.2
33.0
1,145.9
34.5
1,148.1
33.6
1,183.0
33.0
1,223.5
32.7
Operational Lease
Machinery & Equip.
0.5
0.3
1.0
0.6
0.7
0.3
0.6
0.2
1.0
0.3
1.6
0.3
1.5
0.3
1.4
0.2
1.5
0.3
1.2
0.1
1.0
0.1
0.8
0.1
0.8
0.1
0.7
0.1
0.6
0.1
0.5
0.0
0.4
0.0
0.3
0.0
0.3
0.0
0.2
0.0
0.2
0.0
0.1
0.0
0.1
0.0
0.1
0.0
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
Installment
Non-metal
0.7
0.4
2.7
1.5
4.8
1.9
11.4
3.6
12.5
3.3
18.4
4.0
22.5
4.4
27.3
4.8
44.3
7.0
60.5
7.5
70.7
8.3
75.4
8.4
73.2
8.2
74.4
7.3
72.2
6.3
75.5
6.2
77.8
5.5
78.8
5.0
74.9
4.4
71.4
4.0
64.3
3.4
60.4
2.6
56.0
2.4
54.9
2.2
50.5
2.0
49.8
1.9
46.2
1.8
44.7
1.7
42.6
1.6
43.8
1.6
42.8
1.5
47.3
1.6
45.3
1.5
41.9
1.3
35.8
1.1
31.0
0.9
29.3
0.8
27.8
0.7
Corporate Loans
Textile
46.5
27.4
56.2
31.1
85.4
33.8
108.9
34.2
134.7
35.3
166.1
36.5
213.9
41.6
212.4
37.1
224.2
35.5
281.6
35.0
286.8
33.8
308.0
34.5
310.0
34.8
410.0
40.2
411.0
35.6
440.9
36.1
582.7
41.2
692.7
43.7
713.8
42.3
794.0
44.2
843.4
44.2
941.1
40.6
1,003.3
42.6
1,035.2
42.3
984.3
39.2
1,048.3
40.8
1,078.2
41.6
1,135.0
42.1
1,137.9
43.0
1,236.7
45.8
1,222.3
44.1
1,342.8
44.3
1,371.0
44.5
1,405.4
43.9
1,370.5
41.2
1,399.3
41.0
1,533.5
42.8
1,640.3
43.8
Secured
Chemical
7.1
4.2
30.5
16.9
50.0
19.8
71.0
22.3
91.3
23.9
115.1
25.3
143.5
27.9
118.3
20.7
124.7
19.8
150.9
18.8
149.1
17.5
139.6
15.6
141.3
15.9
152.3
14.9
165.8
14.4
185.2
15.1
267.3
18.9
363.2
22.9
389.9
23.1
364.4
20.3
385.3
20.2
426.4
18.4
461.0
19.6
471.0
19.3
456.8
18.2
444.6
17.3
448.4
17.3
461.3
17.1
461.5
17.4
485.6
18.0
463.4
16.7
458.5
15.1
449.2
14.6
453.5
14.2
447.5
13.5
432.1
12.6
406.6
11.3
413.3
11.0
Unsecured
Comm. Equip.
20.0
11.7
25.7
14.2
35.4
14.0
37.9
11.9
43.4
11.4
51.0
11.2
70.4
13.7
94.1
16.4
99.5
15.7
130.7
16.3
137.7
16.2
168.4
18.8
168.7
19.0
257.7
25.2
245.2
21.2
255.7
21.0
315.4
22.3
329.5
20.8
323.9
19.2
429.6
23.9
458.1
24.0
514.7
22.2
542.3
23.0
564.2
23.1
527.5
21.0
603.7
23.5
629.8
24.3
673.7
25.0
676.4
25.6
751.1
27.8
758.9
27.3
884.3
29.2
921.8
29.9
951.9
29.7
923.0
27.8
967.2
28.3
1,126.9
31.4
1,227.0
32.7
Others
Others
19.4
11.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
Household Loans
26.7
15.7
2.2
1.2
7.2
2.8
11.0
3.4
12.1
3.2
16.3
3.6
16.5
3.2
15.8
2.8
14.0
2.2
20.2
2.5
21.3
2.5
18.3
2.0
15.8
1.8
20.8
2.0
122.2
10.6
136.2
11.2
169.8
12.0
202.1
12.8
280.4
16.6
314.5
17.5
366.8
19.2
643.8
27.8
611.8
26.0
667.6
27.3
791.9
31.6
791.9
30.8
800.8
30.8
810.0
30.0
753.0
28.4
697.6
25.8
723.4
26.0
758.2
25.0
695.5
22.6
699.7
21.8
770.0
23.2
838.7
24.5
839.7
23.4
855.3
22.8
Secured
0.0
0.0
2.2
1.2
7.1
2.8
10.9
3.4
11.5
3.0
12.3
2.7
12.0
2.3
10.7
2.0
9.0
1.4
16.1
2.0
17.6
2.1
14.5
1.6
11.3
1.3
16.7
1.6
118.8
10.3
134.6
11.0
168.4
11.9
200.8
12.7
278.8
16.5
313.0
17.4
362.9
19.0
633.8
27.3
592.0
25.1
600.6
24.6
590.7
23.5
572.1
22.3
525.5
20.3
474.3
17.6
506.7
19.1
498.3
18.4
527.2
19.0
561.3
18.5
489.7
15.9
481.8
15.0
501.1
15.1
535.1
15.7
493.5
13.8
466.4
12.4
Unsecured
26.7
15.7
0.0
0.0
0.1
0.0
0.1
0.0
0.6
0.2
4.0
0.9
4.5
0.9
5.1
0.9
5.0
0.8
4.1
0.5
3.7
0.4
3.8
0.4
4.5
0.5
4.1
0.4
3.4
0.3
1.7
0.2
1.4
0.1
1.3
0.1
1.6
0.1
1.5
0.1
3.9
0.2
10.0
0.4
19.8
0.8
67.0
2.7
201.2
8.0
219.8
8.5
275.3
10.6
335.7
12.5
246.3
9.3
199.3
7.4
196.2
7.1
196.9
6.5
205.8
6.7
217.9
6.8
268.9
8.1
303.6
8.9
346.2
9.7
388.9
10.4
Total
170.1
100.0
180.7
100.0
253.1
100.0
318.2
100.0
381.1
100.0
454.7
100.0
514.4
100.0
572.5
100.0
631.3
100.0
804.2
100.0
849.6
100.0
893.5
100.0
890.2
100.0
1,020.9
100.0
1,153.5
100.0
1,220.4
100.0
1,414.2
100.0
1,583.4
100.0
1,686.4
100.0
1,798.1
100.0
1,908.5
100.0
2,319.3
100.0
2,357.5
100.0
2,445.4
100.0
2,509.5
100.0
2,571.3
100.0
2,594.9
100.0
2,696.1
100.0
2,646.9
100.0
2,701.9
100.0
2,779.1
100.0
3,031.1
100.0
3,078.0
100.0
3,203.2
100.0
3,322.2
100.0
3,417.1
100.0
3,585.5
100.0
3,746.9
100.0
A_BS
DGB Asset Mgmt. Condensed B/S
Back to Home
(in bn won), Ending Balance
2016
2017
2018
2019
2020
2021
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Cash & Due
9.3
4.8
7.9
14.4
3.5
13.7
13.8
14.0
14.3
19.2
19.4
15.5
12.4
21.2
12.6
13.7
12.8
5.0
32.8
18.0
17.7
19.0
Securities
5.5
9.2
7.7
2.3
13.5
14.7
15.9
17.3
14.7
14.3
14.9
14.9
16.0
7.5
12.4
12.4
11.8
25.5
2.3
17.4
18.0
18.1
Loans
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.0
5.0
5.0
9.0
9.0
9.0
4.0
0.0
0.0
0.0
0.0
Tangible Assets
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.1
0.1
0.1
0.3
0.3
1.3
1.4
1.4
1.3
1.5
1.5
1.4
1.3
1.2
1.1
Other Assets
1.8
2.8
2.0
1.8
2.0
2.2
2.3
2.6
4.3
2.5
2.6
3.3
2.5
2.4
2.4
3.0
2.6
2.5
2.6
3.0
2.8
3.3
Total Assets
16.6
16.9
17.6
18.5
19.0
30.7
32.1
34.0
33.4
36.1
37.2
39.0
37.2
37.5
37.8
39.4
37.7
38.5
39.1
39.7
39.7
41.5
Deposits
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.1
0.3
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Borrowings
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Other Liabilities
1.2
0.8
0.8
1.3
0.8
1.0
1.2
2.2
1.8
1.4
1.4
5.3
2.7
2.1
1.5
4.1
1.8
1.9
2.0
2.8
1.8
2.3
Total Liabilities
1.2
0.8
0.8
1.3
0.8
1.0
1.2
2.3
1.9
1.7
1.4
5.4
2.7
2.1
1.5
4.1
1.8
1.9
2.0
2.8
1.8
2.3
Total Equity
15.4
16.1
16.8
17.2
18.2
29.7
30.9
31.7
31.5
34.4
35.8
33.6
34.5
35.4
36.3
35.3
35.9
36.6
37.1
36.9
37.9
39.2
Total Equity & Liabilities
16.6
16.9
17.6
18.5
19.0
30.7
32.1
34.0
33.4
36.1
37.2
39.0
37.2
37.5
37.8
39.4
37.7
38.5
39.1
39.7
39.7
41.5
A_IS
DGB Asset Mgmt. Condensed I/S
Back to Home
(in bn won), %
FY 2015
2016
FY 2016
2017
FY 2017
2018
FY 2018
2019
FY 2019
2020
FY 2020
2021
1H21
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Operating Revenues
8.7
1.9
2.4
2.2
2.6
9.1
2.6
3.3
3.2
3.3
12.3
3.3
5.3
3.2
3.3
15.1
2.7
2.6
2.8
3.6
11.7
2.7
3.2
2.7
2.8
11.4
3.3
3.6
6.9
Interest Revenues
0.3
0.0
0.0
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.3
0.1
0.1
0.1
0.1
0.4
0.1
0.1
0.1
0.1
0.4
0.1
0.1
0.0
0.1
0.3
0.0
0.1
0.1
Fee & Commission
6.1
1.7
1.9
2.2
2.4
8.2
2.5
3.1
2.8
3.1
11.5
3.0
5.0
3.0
3.1
14.1
2.4
2.4
2.7
3.5
11.0
2.6
2.9
2.5
2.7
10.7
3.3
3.3
6.6
Operating Expenses
5.5
1.8
1.6
1.4
2.0
6.8
1.3
1.4
1.5
2.3
6.5
1.4
1.5
1.4
2.6
6.9
1.4
1.5
1.7
2.3
6.9
1.9
2.0
2.0
2.2
8.1
2.0
2.4
4.4
G&A Expenses
5.0
1.7
1.3
1.3
1.9
6.2
1.2
1.2
1.2
2.5
6.1
1.3
1.4
1.2
2.9
6.8
1.4
1.5
1.4
2.3
6.6
1.7
1.9
2.0
2.1
7.7
1.9
2.2
4.1
Operating Income
3.2
0.1
0.8
0.8
0.6
2.3
1.3
1.9
1.7
1.0
5.8
1.9
3.8
1.8
0.7
8.2
1.3
1.1
1.1
1.3
4.8
0.8
1.2
0.7
0.6
3.3
1.3
1.2
2.5
Net Income
2.3
0.0
0.6
0.7
0.5
1.8
1.0
1.4
1.3
0.7
4.4
1.4
2.8
1.5
0.7
6.4
1.0
0.8
0.9
1.0
3.7
0.6
0.7
0.5
0.6
2.4
1.0
1.3
2.3
ROE▪
19.3
14.7
16.6
16.8
14.8
14.8
21.5
20.6
20.5
18.1
18.1
17.8
25.7
22.2
19.7
19.7
11.4
10.6
10.4
10.8
10.8
7.0
7.3
6.8
6.6
6.6
10.7
11.9
11.9
▪ ROE is based on cumulative sum
A_AUM
DGB Asset Mgmt. AUM Structure
Back to Home
(in bn won), Ending Balance
2016
2017
2018
2019
2020
2021
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Equity
1,789.2
1,970.0
2,124.2
2,351.4
2,412.7
2,549.5
2,664.2
2,836.7
2,945.8
3,129.1
3,200.8
3,210.2
3,449.5
3,469.7
3,437.6
3,358.5
3,760.1
3,527.1
3,488.1
3,166.3
3,368.2
3,414.1
Bonds
2,523.4
2,769.4
2,950.3
3,012.1
3,844.9
4,127.0
4,181.3
4,148.9
4,025.3
3,776.4
2,605.5
2,515.7
2,313.6
2,177.7
2,194.0
1,911.6
1,682.5
1,553.4
1,480.3
1,936.8
2,026.0
2,591.3
Balanced
317.9
341.3
390.9
371.1
352.7
292.4
223.7
216.6
239.3
246.9
243.4
229.5
312.3
335.8
317.7
281.6
236.3
249.9
273.9
250.7
337.6
430.7
MMF
1,689.6
1,336.6
1,317.5
1,329.7
1,435.4
982.8
912.9
733.6
1,078.9
809.0
427.9
241.8
111.5
105.9
647.9
482.9
716.8
944.5
895.8
550.8
1,020.2
1,154.6
Derivative
119.9
173.5
203.6
203.2
454.7
733.1
595.7
456.2
595.6
654.1
661.2
721.2
595.6
676.5
692.0
749.3
794.2
814.5
711.1
674.2
467.2
540.9
Others
-
2.6
11.9
31.1
31.1
36.3
52.7
58.5
68.4
170.5
173.7
210.2
235.4
225.3
222.2
291.9
245.4
278.0
267.1
267.1
268.3
310.3
(Real Estate)
-
2.6
11.9
31.1
31.1
36.3
52.7
58.5
68.4
170.5
173.7
210.2
235.4
225.3
222.2
291.9
245.4
267.7
256.7
256.7
242.1
242.1
Total AUM
6,440.0
6,593.4
6,998.4
7,298.6
8,531.5
8,721.1
8,630.5
8,450.6
8,953.3
8,786.0
7,312.5
7,128.6
7,017.9
6,990.9
7,511.4
7,075.8
7,435.3
7,367.4
7,116.3
6,845.9
7,487.5
8,441.9
▪ AUM above is principal basis, not NAV(Net Asset Value)
U-Pay
DGB U-Pay
Back to Home
◈ Condensed BS
Bn. Won
2012
2012 FY
2013
2013 FY
2014
2014 FY
2015
2015 FY
2016
2016 FY
2017
2017
2018
2018 FY
2019
2019 FY
2020
2020 FY
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
FY
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Current Assets
21.3
21.4
21.9
21.7
25.7
23.4
24.2
21.7
21.2
20.3
20.5
20.1
20.2
20.4
21.3
21.7
21.2
20.8
21.2
21.4
22.7
22.5
23.1
22.4
22.0
21.1
21.3
20.3
20.6
26.9
29.4
26.9
21.5
21.0
20.3
20.1
20.3
21.0
Cash & Financial Instrument
20.6
20.5
20.8
20.9
22.8
21.4
23.3
19.8
19.4
19.5
18.8
18.3
18.7
18.6
19.4
20.1
19.9
19.6
19.9
19.0
21.1
21.2
20.2
20.6
20.1
19.5
18.7
19.1
19.2
25.7
28.2
24.8
20.4
19.4
17.7
18.3
18.4
19.4
Others
0.7
0.9
1.1
0.8
2.9
2.0
0.9
1.9
1.8
0.8
0.7
1.8
1.5
1.8
1.9
1.6
1.3
1.2
1.3
2.4
1.6
1.3
2.9
1.8
1.9
1.6
2.6
1.2
1.4
1.2
1.2
2.1
1.1
1.6
2.6
1.8
1.9
1.6
Non-Current Assets
4.3
4.2
4.0
3.9
27.0
26.9
26.6
24.0
24.9
24.5
24.5
19.9
18.9
18.9
18.3
15.1
15.8
15.5
15.1
13.9
14.5
14.1
13.6
14.1
15.1
15.5
15.9
16.1
16.4
17.0
18.1
15.8
18.6
18.4
18.1
16.7
15.9
15.0
Total Assets
25.6
25.6
25.9
25.6
52.7
50.3
50.8
45.7
46.1
44.8
45.0
40.0
39.1
39.3
39.6
36.8
37.0
36.3
36.3
35.3
37.2
36.6
36.7
36.5
37.1
36.6
37.2
36.4
37.0
43.9
47.5
42.7
40.1
39.4
38.4
36.8
36.2
36.0
Advanced Received
17.1
17.0
17.0
16.5
17.4
17.9
17.7
17.6
17.7
18.1
18.0
17.1
17.2
16.5
17.1
16.8
18.7
18.5
18.5
18.7
20.4
19.5
19.1
18.9
19.0
18.9
19.5
18.6
19.3
19.6
22.5
15.6
15.3
14.6
14.1
13.1
13.0
12.8
Total Liabilities
18.0
17.5
17.5
17.0
36.9
35.2
35.1
31.3
32.2
26.4
26.5
25.8
24.9
25.0
25.2
25.0
25.1
24.4
24.6
24.3
26.1
25.1
24.8
24.5
25.0
24.4
25.1
24.2
24.8
31.5
35.0
29.4
27.2
27.0
26.5
24.5
24.3
24.1
Total Equity
7.6
8.1
8.4
8.6
15.8
15.1
15.7
14.4
13.9
18.4
18.5
14.2
14.2
14.3
14.4
11.8
11.9
11.9
11.7
11.0
11.1
11.5
11.9
12.0
12.1
12.2
12.1
12.2
12.2
12.4
12.5
13.3
12.9
12.4
11.9
12.3
11.9
11.9
Total Equity & Liabilities
25.6
25.6
25.9
25.6
52.7
50.3
50.8
45.7
46.1
44.8
45.0
40.0
39.1
39.3
39.6
36.8
37.0
36.3
36.3
35.3
37.2
36.6
36.7
36.5
37.1
36.6
37.2
36.4
37.0
43.9
47.5
42.7
40.1
39.4
38.4
36.8
36.2
36.0
◈ Condensed IS
Bn. Won
2012
2012 FY
2013
2013 FY
2014
2014 FY
2015
2015 FY
2016
2016 FY
2017
2017
2018
2018 FY
2019
2019 FY
2020
2020 FY
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
FY
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
1H21
Sales
1.4
1.3
1.0
3.5
7.2
2.2
2.5
3.0
4.3
12.0
2.8
7.3
2.7
3.2
16.0
3.0
2.9
3.1
3.4
12.4
3.2
3.5
3.3
3.3
13.3
3.6
3.6
3.9
4.0
15.1
3.7
3.8
3.6
4.1
15.2
3.8
4.0
3.9
4.6
16.3
3.5
3.0
3.4
3.6
13.5
3.3
3.6
6.9
Cost of Goods sold
0.7
0.6
0.5
3.0
4.8
1.5
2.6
1.6
1.7
7.4
2.5
2.1
1.9
2.4
8.9
2.2
2.4
2.4
2.4
9.4
2.4
2.7
2.6
2.2
9.8
2.5
2.5
2.5
2.7
10.2
2.7
2.8
2.7
3.1
11.3
2.8
2.9
2.9
3.2
11.8
2.9
2.6
2.8
3.0
11.3
2.9
2.9
5.8
Gross Profit
0.7
0.7
0.5
0.5
2.4
0.7
-0.1
1.4
2.6
4.6
0.3
5.2
0.8
0.8
7.1
0.8
0.5
0.7
1.0
3.0
0.8
0.8
0.7
1.1
3.5
1.1
1.1
1.4
1.3
4.9
1.0
1.0
0.9
1.0
3.9
1.0
1.1
1.0
1.4
4.5
0.6
0.4
0.6
0.6
2.2
0.4
0.7
1.1
SG&A Expenses
0.3
0.3
0.3
0.2
1.1
0.6
1.0
0.8
1.2
3.6
0.8
0.8
0.7
0.8
3.1
0.8
0.8
0.8
0.9
3.3
0.9
0.8
1.0
1.1
3.8
0.9
0.7
1.0
1.1
3.7
1.0
0.8
1.0
1.0
3.8
1.0
0.9
0.9
1.3
4.1
1.3
1.3
1.5
1.3
5.4
1.1
1.1
2.2
Operating Income
0.6
0.6
0.4
0.4
1.3
0.1
-1.1
0.6
1.4
1.0
-0.5
4.4
0.1
0.0
4.0
0.0
-0.3
-0.1
0.1
-0.3
-0.1
0.0
-0.3
0.0
-0.3
0.2
0.4
0.5
0.1
1.2
0.0
0.2
-0.1
0.0
0.1
0.0
0.2
0.1
0.1
0.4
-0.7
-0.9
-0.9
-0.7
-3.2
-0.7
-0.4
-1.1
Non-Operating Income
0.0
0.0
0.0
0.0
0.8
0.2
-0.5
0.0
-2.7
-2.0
0.0
0.1
0.0
-3.6
-3.5
0.0
0.3
0.3
-2.5
-1.9
0.2
0.0
0.0
-1.0
-0.9
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.1
0.0
0.1
0.0
0.0
0.0
1.8
1.8
0.3
0.2
0.2
1.5
2.2
0.4
0.3
0.7
Net Income
0.5
0.5
0.3
0.3
1.6
0.3
-0.6
0.6
-1.3
-1.0
-0.4
4.4
0.2
-4.3
-0.1
0.0
0.0
0.2
-2.6
-2.4
0.1
0.0
-0.3
-0.7
-0.9
0.2
0.3
0.4
0.2
1.1
0.1
0.1
0.0
0.0
0.2
0.0
0.2
0.1
0.9
1.2
-0.5
-0.4
-0.6
0.5
-1.0
-0.4
0.0
-0.4
Data
DGB Data System
Back to Home
◈ Condensed BS
Bn. Won
2012
2012 FY
2013
2013 FY
2014
2014 FY
2015
2015 FY
2016
2016 FY
2017
2017
2018
2018 FY
2019
2019 FY
2020
2020 FY
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
FY
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Current Assets
4.0
4.1
4.2
4.3
4.3
4.6
4.6
4.7
4.8
4.8
4.8
5.2
4.2
3.9
3.9
4.4
4.4
3.5
3.1
3.3
3.5
4.0
3.7
4.4
4.1
4.4
5.3
5.6
8.8
8.6
7.2
7.9
7.9
8.4
8.4
8.5
8.7
Cash & Financial Instrument
3.9
3.9
4.1
4.0
4.1
4.3
4.3
4.1
4.2
4.1
4.5
4.5
3.5
3.2
3.6
2.9
3.0
2.0
2.3
2.1
2.6
2.8
3.5
3.0
3.0
3.5
4.9
4.0
4.5
6.6
6.5
6.6
6.9
6.9
7.4
7.0
6.6
Others
0.1
0.2
0.1
0.3
0.2
0.3
0.3
0.6
0.6
0.7
0.3
0.7
0.7
0.7
0.3
1.5
1.4
1.5
0.8
1.2
0.9
1.2
0.2
1.4
1.1
0.9
0.4
1.6
4.3
2.0
0.7
1.3
0.9
1.4
1.0
1.5
2.1
Non-Current Assets
2.0
2.0
2.0
2.0
2.0
2.0
2.3
2.3
2.3
2.7
2.7
2.7
3.9
4.4
4.4
4.5
4.5
5.7
6.5
6.6
6.5
6.7
6.6
6.8
6.7
6.7
5.4
5.5
5.3
5.2
4.7
4.4
4.5
4.5
4.6
5.2
5.2
Total Assets
6.0
6.1
6.2
6.3
6.3
6.6
6.9
7.0
7.1
7.5
7.5
7.9
8.1
8.3
8.3
8.9
8.9
9.2
9.6
9.9
10.0
10.7
10.3
11.2
10.8
11.1
10.6
11.1
14.1
13.8
11.9
12.3
12.4
12.9
13.0
13.7
13.9
Total Liabilities
0.1
0.1
0.1
0.2
0.1
0.5
0.5
0.5
0.6
0.8
0.6
0.8
0.9
0.8
0.7
1.0
0.9
0.9
1.0
1.2
1.0
1.4
0.8
1.5
1.2
1.3
0.7
1.1
3.9
3.2
1.2
1.4
1.3
1.5
1.2
1.6
1.7
Total Equity
5.9
6.0
6.1
6.1
6.2
6.1
6.4
6.5
6.5
6.7
6.9
7.1
7.2
7.5
7.6
7.9
8.0
8.3
8.6
8.7
9.0
9.3
9.5
9.7
9.6
9.8
9.9
10.0
10.2
10.6
10.7
10.9
11.1
11.4
11.8
12.1
12.2
Total Equity & Liabilities
6.0
6.1
6.2
6.3
6.3
6.6
6.9
7.0
7.1
7.5
7.5
7.9
8.1
8.3
8.3
8.9
8.9
9.2
9.6
9.9
10.0
10.7
10.3
11.2
10.8
11.1
10.6
11.1
14.1
13.8
11.9
12.3
12.4
12.9
13.0
13.7
13.9
◈ Condensed IS
Bn. Won
2012
2012 FY
2013
2013 FY
2014
2014 FY
2015
2015 FY
2016
2016 FY
2017
2017
2018
2018 FY
2019
2019 FY
2020
2020 FY
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
FY
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
1H21
Sales
0.0
0.3
0.3
0.6
0.3
0.5
0.3
1.1
2.2
0.6
0.7
0.9
1.0
3.2
1.1
1.4
1.2
1.9
5.6
1.7
1.6
2.2
3.0
8.5
2.0
2.7
3.6
4.1
12.4
3.9
3.3
3.8
3.4
14.4
3.2
6.0
5.9
4.6
19.7
3.6
4.8
4.1
8.4
20.9
4.0
4.4
8.4
Cost of Goods sold
0.0
0.2
0.1
0.3
0.2
0.3
0.3
0.5
1.3
0.3
0.5
0.5
0.5
1.8
0.7
1.1
0.8
1.4
4.0
1.2
1.3
1.7
2.4
6.6
1.6
2.2
3.1
3.6
10.5
3.5
3.1
3.3
3.0
12.9
2.8
5.5
5.3
4.3
17.9
3.1
4.3
3.5
7.5
18.4
3.4
4.0
7.4
Gross Profit
0.0
0.1
0.2
0.3
0.1
0.2
0.0
0.6
0.9
0.3
0.2
0.4
0.5
1.4
0.4
0.3
0.4
0.5
1.6
0.5
0.3
0.5
0.6
1.9
0.4
0.5
0.5
0.5
1.9
0.4
0.2
0.5
0.4
1.5
0.4
0.5
0.6
0.3
1.8
0.5
0.5
0.6
0.9
2.5
0.6
0.3
0.9
SG&A Expenses
0.1
0.1
0.1
0.3
0.1
0.2
0.1
0.2
0.6
0.2
0.2
0.1
0.3
0.8
0.1
0.2
0.2
0.2
0.7
0.2
0.2
0.2
0.2
0.8
0.2
0.2
0.2
0.3
0.9
0.2
0.3
0.2
0.3
1.0
0.3
0.2
0.3
0.4
1.2
0.3
0.2
0.3
0.3
1.1
0.3
0.3
0.6
Income Before Tax
-0.1
0.1
0.1
0.0
0.0
0.0
-0.1
0.4
0.3
0.1
0.0
0.3
0.3
0.7
0.3
0.1
0.2
0.3
0.9
0.3
0.1
0.3
0.4
1.1
0.2
0.3
0.3
0.2
1.0
0.2
-0.1
0.3
0.1
0.5
0.1
0.3
0.3
-0.1
0.6
0.2
0.3
0.3
0.5
1.3
0.3
0.0
0.3
Net Income
-0.1
0.1
0.1
0.1
0.0
0.1
-0.1
0.3
0.3
0.1
0.0
0.2
0.2
0.5
0.2
0.2
0.1
0.2
0.7
0.3
0.1
0.3
0.2
0.9
0.2
0.3
0.2
0.2
0.9
0.1
0.0
0.2
0.1
0.4
0.1
0.4
0.2
0.1
0.8
0.2
0.2
0.3
0.4
1.1
0.2
0.1
0.3
Credit
DGB Credit Information
Back to Home
◈ Condensed BS
Bn. Won
2012
2012 FY
2013
2013 FY
2014
2014 FY
2015
2015 FY
2016
2016 FY
2017
2017
2018
2018 FY
2019
2019 FY
2020
2020 FY
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
FY
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
Current Assets
3.9
4.0
4.0
4.1
3.9
4.0
3.9
4.0
4.0
4.2
4.2
4.3
4.3
4.3
4.3
4.3
4.3
4.3
4.3
4.4
4.4
4.4
4.3
4.4
4.4
4.5
4.6
4.7
4.7
4.7
4.8
4.8
4.8
4.8
5.0
5.1
5.1
5.3
Cash & Financial Instrument
3.6
3.7
3.7
3.8
3.6
3.7
3.9
3.8
3.8
3.8
4.0
4.1
4.1
4.0
4.0
4.1
4.1
4.1
4.1
4.2
4.2
4.3
4.2
4.2
4.1
4.3
4.4
4.5
4.5
4.5
4.5
4.6
4.6
4.6
4.8
4.9
4.9
5.1
Others
0.3
0.3
0.3
0.3
0.3
0.3
0.0
0.2
0.2
0.4
0.2
0.2
0.2
0.3
0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.1
0.1
0.2
0.3
0.2
0.2
0.2
0.2
0.2
0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.2
Non-Current Assets
0.2
0.2
0.2
0.2
0.5
0.5
0.5
0.5
0.4
0.5
0.5
0.5
0.5
0.4
0.4
0.4
0.4
0.4
0.4
0.3
0.3
0.4
0.4
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
0.3
Total Assets
4.1
4.2
4.2
4.3
4.4
4.5
4.4
4.5
4.4
4.7
4.7
4.8
4.8
4.7
4.7
4.7
4.7
4.7
4.7
4.7
4.7
4.8
4.7
4.7
4.7
4.8
4.9
5.0
5.0
5.0
5.1
5.1
5.2
5.1
5.3
5.4
5.4
5.6
Total Liabilities
1.7
0.2
0.2
0.2
0.3
0.3
0.2
0.3
0.2
0.3
0.3
0.2
0.2
0.2
0.1
0.2
0.1
0.2
0.1
0.2
0.2
0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.3
0.2
0.3
Total Equity
2.4
4.0
4.0
4.1
4.1
4.2
4.2
4.2
4.2
4.4
4.4
4.6
4.6
4.5
4.6
4.5
4.6
4.5
4.6
4.5
4.5
4.5
4.5
4.5
4.5
4.6
4.7
4.8
4.8
4.8
4.9
4.9
4.9
5.0
5.1
5.1
5.2
5.3
Total Equity & Liabilities
4.1
4.2
4.2
4.3
4.4
4.5
4.4
4.5
4.4
4.7
4.7
4.8
4.8
4.7
4.7
4.7
4.7
4.7
4.7
4.7
4.7
4.8
4.7
4.7
4.7
4.8
4.9
5.0
5.0
5.0
5.1
5.1
5.2
5.2
5.3
5.4
5.4
5.6
◈ Condensed IS
Bn. Won
2012
2012 FY
2013
2013 FY
2014
2014 FY
2015
2015 FY
2016
2016 FY
2017
2017
2018
2018 FY
2019
2019 FY
2020
2020 FY
2021
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
3Q15
4Q15
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
FY
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
1H21
Operating Revenues
0.6
0.6
0.6
0.6
2.3
0.5
0.6
0.4
0.5
2.0
0.4
0.6
0.5
0.6
2.1
0.4
0.4
0.5
0.4
1.7
0.3
0.4
0.4
0.3
1.4
0.4
0.4
0.4
0.4
1.6
0.4
0.5
0.4
0.4
1.7
0.5
0.4
0.4
0.5
1.8
0.4
0.5
0.5
0.5
1.9
0.4
0.7
1.1
Operating Expenses
0.5
0.5
0.5
0.5
2.0
0.5
0.5
0.5
0.4
1.9
0.4
0.5
0.4
0.5
1.8
0.4
0.5
0.4
0.4
1.7
0.3
0.4
0.4
0.5
1.6
0.4
0.4
0.4
0.4
1.6
0.4
0.4
0.4
0.4
1.6
0.4
0.4
0.4
0.5
1.7
0.4
0.4
0.4
0.5
1.7
0.4
0.5
0.9
Operating Income
0.1
0.1
0.1
0.1
0.3
0.0
0.1
-0.1
0.1
0.1
0.0
0.1
0.1
0.2
0.4
0.0
-0.1
0.1
0.0
0.0
0.0
0.0
0.0
-0.2
-0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.1
0.1
0.0
0.1
0.0
0.2
0.0
0.2
0.2
Non-Operating Income
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.1
0.0
0.1
0.0
0.0
0.1
0.0
0.1
0.0
0.0
0.1
0.0
0.0
0.1
0.0
0.1
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.1
0.0
0.1
0.0
0.0
0.0
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net Income
0.1
0.1
0.0
0.1
0.3
0.0
0.1
0.0
0.0
0.1
0.0
0.1
0.1
0.1
0.3
0.0
0.0
0.1
-0.1
0.0
0.0
0.0
0.0
-0.1
-0.1
0.0
0.0
0.0
0.1
0.1
0.0
0.1
0.0
0.1
0.2
0.1
0.0
0.0
0.1
0.2
0.0
0.1
0.1
0.0
0.2
0.0
0.2
0.2
VC
Soorim Venture Capital Corp.
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◈ Condensed BS
Bn. Won
2020 FY
2021
4Q20
1Q21
2Q21
Current Assets
1.7
1.7
1.2
Cash & Financial Instrument
1.2
1.0
0.8
Others
0.5
0.7
0.4
Venture Investment Assets
7.3
7.0
7.4
Non-Current Assets
0.5
0.7
0.7
Total Assets
9.5
9.4
9.3
Total Liabilities
0.3
0.4
0.5
Total Equity
9.1
9.0
8.8
Total Equity & Liabilities
9.4
9.4
9.3
◈ Condensed IS
Bn. Won
2020 FY
2021
4Q20
1Q21
2Q21
1H21
Operating Revenues
2.5
0.2
0.4
0.6
Venture Capital Revenues
2.3
0.2
0.3
0.5
Operating Expenses
2.3
0.3
0.6
0.9
Operating Income
0.2
-0.1
-0.2
-0.2
Non-Operating Income
0.0
0.0
0.0
0.0
Net Income
0.2
-0.1
-0.2
-0.2
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Disclaimer
DGB Financial Group published this content on 29 July 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 29 July 2021 07:26:10 UTC.
DGB Financial Group is a Korea-based company mainly engaged in the banking business. The Company operates through six segments. The Banking segment uses funds acquired in the form of deposits from the general public as its main source, and supplies funds in the form of short- and long-term loans to fund consumers. The Life Insurance Business segment engages in the life insurance business. The Financial Investment Business segment engages in investment trading business, investment brokerage business, discretionary investment business, investment advisory business, and collective investment business. The Specialized Credit Finance Business segment engages in the facility rental business, installment finance business, and new technology business finance business. The Asset Management Business segment engages in securities investment trust management and investment advice. The Financial Holding Business segment engages in financial support and business management for subsidiaries.
DGB FINANCIAL GROUP CO., LTD. 
