DGB Financial : 2022 Investor Presentation

www.dgbfg.co.kr

2022 Financial Results

DGB Financial Group

Disclaimer

ㆍDGB Life Insurance's financial statements have been restated due to new accounting policy related to guarantee reserve. Accordingly, group financial results have been retrospectively restated and reflected in this IR Book.

Refer to the changes in net incomebelow.

Unit : bn. Won, Net Income	2018	2019	2020	1H21	3Q21
Before restatement (before new accounting policy)	381.1	327.4	-
Discount rate(as of the end of 2020) reflected	380.4	307.3	332.3	278.8	417.5
Discount rate(as of the end of 2021) reflected	361.4	281.0	342.2	307.8	452.6

ㆍThis 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.

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

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

ㆍSome of the totals may not sum due to rounding.

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

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

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

Contents

DGB Financial Group

DGB Daegu Bank

Non-Bank

Business Portfolio

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 Balance Sheet	Page 14
Condensed Income Statement	Page 15

∙ Assets	96.8 tr.	100%
∙ Equity	6.2 tr.

• Employees 4,823

(Overseas local employees excluded)
∙ Net Income	406.2 bn.
∙ ROE	7.57%	87.9%
∙ ROA	0.45%
				100%
				100%
	∙ EST.	2011. 5. 17	100%

• Total Assets 4.4 tr.

∙ Employees	101	100%
		100%
		100%
		100%
		77.4%

• This group structure is as of the end of 4Q22
• 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
• ROE is based on shareholders' equity, ROE & ROA is annualized.

DGB Financial Group Business Portfolio

EST. : Established ACQ. : Acquired

∙ Assets	73,240.7 bn.	∙ Branches	204		∙ ROE	8.80%	EST.
∙ Equity	4,834.2 bn.	∙ Net Income	392.5 bn.	∙ ROA	0.55%	1967. 10
∙ Assets	12,465.6 bn.	∙ Branches	25		∙ ROE	2.45%	ACQ.
∙ Equity	1,370.9 bn.	∙ Net Income	37.6 bn.	∙ ROA	0.23%	2018. 10
∙ Assets	6,702.1 bn.					∙ ROE	7.02%	ACQ.
∙ Equity	265.4 bn.	∙ Net Income 21.2 bn.	∙ ROA	0.31%	2015. 1
∙ Assets	4,379.6 bn.	∙ Branches	3		∙ ROE	14.62%	ACQ.
∙ Equity	538.4 bn.	∙ Net Income	77.3 bn.	∙ ROA	1.86%	2012. 1
								ACQ.
∙ Assets	77.8 bn.	∙ Equity	69.8 bn.	∙ Net Income 4.9 bn.
2016. 10
								ACQ.
∙ Assets	36.3 bn.	∙ Equity	11.6 bn.	∙ Net Income 1.4 bn.
2013. 3
								EST.
∙ Assets	14.3 bn.	∙ Equity	11.3 bn.	∙ Net Income 0.5 bn.
2012. 4
								EST.
∙ Assets	6.1 bn.	∙ Equity	5.3 bn.	∙ Net Income 0.3 bn.
2000. 7
								ACQ.
∙ Assets	20.0 bn.	∙ Equity	19.7 bn.	∙ Net Income 0.4 bn.
2021. 4
								ACQ.
∙ Assets	6.9 bn.	∙ Equity	6.8 bn.	∙ Net Income -1.1bn.
2021. 8