DGB Financial : 1Q 2022 Investor Presentation

www.dgbfg.co.kr

Disclaimer

DGB Life Insurance's financial statements from 2018 to 2020 have been restated due to new accounting policy(guarantee reserve). Accordingly, group financial results have been retrospectively restated and reflected in this IR Book. Refer to changes in net income below.

Unit : bn. Won, Net Income	2018	2019
Before restatement	381.1	327.4	-
After first restatement(at the end of 2020) reflected	380.4	307.3	332.3
After recent restatement(at the end of 2021) reflected	361.4	281.0	342.2

2020

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

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

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

Some of the totals may not sum due to rounding.

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

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

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

Contents

DGB Financial GroupDGB Daegu Bank

Group Structure Financial Results Key Indicators

Capital Adequacy / Dividend

Group Strategies for Future Growth Condensed BS

Condensed IS

Market Share & Regional Economy Financial Results

Loans & Deposits(Funding Structure) Asset Quality & Delinquency

Non-Bank

Hi Investment & Securities DGB Life

DGB Capital

Hi Asset Management

DGB Financial Group

Group Structure	Page 05
Financial Results	Page 06
Key Indicators	Page 10
Capital Adequacy / Dividend	Page 11
Group Strategies for Future Growth	Page 13
Condensed BS	Page 14
Condensed IS	Page 15

DGB Financial Group(Organizational Structure)

EST. : Established ACQ. : Acquired

• ∙ Assets 95.3 tr.

• ∙ Equity 6.2 tr.

• ∙ Employees 4,758

  (Overseas local employees excluded)

• ∙ Net Income 162.2 bn.

• ∙ ROE 11.95%

• ∙ ROA 0.74%

• ▪ This group structure is as of the end of 1Q22

• ▪ Bank trust account included in group & bank assets

• ▪ Net Income is based on consolidated basis

  • ∙ EST. 2011. 5. 17

  • ∙ Total Assets 4.3 tr.

  • ∙ Employees 97

• ▪ Assets & net income are marked on KRW (Korean Won)

• ▪ Ownership described as percentage mark above