DGB Financial : 2021 Investor Presentation

www.dgbfg.co.kr

DGB FG

2021 Financial Results

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 incomebelow.

Unit : bn. Won, Net Income	2018	2019	2020
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

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 Group

DGB Daegu Bank

Non-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

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)

∙ Assets	91.6 tr.
∙ Equity	6.3 tr.

EST. : Established

	∙ Assets	70,246.0 bn.	∙ Branches	224	∙ ROE	7.56%
100%	∙ Equity	4,689.5 bn.	∙ Net Income	330.0 bn.	∙ ROA	0.48%

ACQ. : Acquired

EST.

1967. 10

• Employees 4,705

(Overseas local employees excluded)

∙ Net Income 503.1 bn.

∙ ROE	9.59%
∙ ROA	0.60%

	∙ Assets	10,368.8 bn.	∙ Branches	26	∙ ROE 14.53%	ACQ.
	∙ Equity	1,159.2 bn.	∙ Net Income	163.9 bn.	∙ ROA	1.51%	2018. 10
87.9%
∙ Assets	6,965.9 bn.	∙ Branches	3	∙ ROE	14.13%	ACQ.
	∙ Equity	336.1 bn.	∙ Net Income	41.8 bn.	∙ ROA	0.62%	2015. 1
100%

100%

∙ EST. 2011. 5. 17

100%

• Total Assets 4.0 tr.

∙ Employees	92	100%
		100%
		100%
		100%
		74.0%

• This group structure is as of the end of 4Q21
• Bank trust account included in group & bank assets
• Net Income is based on consolidated basis
• Assets & net income are marked on KRW (Korean Won)
• Ownership described as percentage mark above

∙ Assets	3,942.4 bn.	∙ Branches	10	∙ ROE	14.99%	ACQ.
∙ Equity	488.2 bn.	∙ Net Income	70.2 bn. ∙ ROA	1.84%	2012. 1
							ACQ.
∙ Assets	45.4 bn.	∙ Equity	40.0 bn.	∙ Net Income 5.1 bn.
2016. 10
							ACQ.
∙ Assets	34.0 bn.	∙ Equity	10.3 bn.	∙ Net Income -2.1bn.
2013. 3
							EST.
∙ Assets	15.1 bn.	∙ Equity	12.9 bn.	∙ Net Income 1.0 bn.
2012. 4
							EST.
∙ Assets	5.7 bn.	∙ Equity	5.4 bn.	∙ Net Income 0.3 bn.
2000. 7
							ACQ.
∙ Assets	19.5 bn.	∙ Equity	19.4 bn.	∙ Net Income 0.4 bn.
2021. 4
							ACQ.
∙ Assets	8.1 bn.	∙ Equity	7.9 bn.	∙ Net Income -0.1bn.
2021. 8