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
9,098.2
9,238.2
10,660.8
10,733.4
9,900.3
BS(Official Announcement)
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
104.4
68.6
91.9
137.9
358.0
IS(Official Announcement)
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
5,695.2
5,928.3
6,143.3
5,810.1
5,706.2
Key Indices
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
6,817.9
6,555.6
6,367.9
6,313.6
6,275.5
Asset Quality
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
54,950.3
56,172.4
56,074.5
57,173.2
59,426.2
Capital Adequacy
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
94.5
39.3
46.3
69.2
78.3
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
819.8
826.7
857.5
840.9
835.3
DGB Daegu Bank
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
146.2
145.7
141.9
156.7
157.5
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
262.6
266.5
271.0
265.5
274.5
Hi Investment & Securities
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
2,095.9
3,884.8
3,424.8
2,980.3
2,450.0
2,490.1
3,444.9
3,588.3
2,764.9
2,894.1
3,659.2
3,752.5
2,641.4
4,203.4
3,167.7
6,037.2
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
64,920.0
68,781.6
69,467.1
69,739.7
72,419.1
75,307.4
78,247.5
79,650.6
79,983.3
83,497.0
86,328.7
86,147.7
85,906.0
89,398.8
89,547.4
93,985.5
DGB Life
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
51,050.8
50,936.6
51,007.7
51,010.5
52,756.4
DGB Capital
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
3,801.2
2,196.8
2,902.5
3,821.6
2,709.7
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
166.1
98.2
158.8
238.3
566.1
Hi Asset Management
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
7,979.6
9,898.8
11,094.4
11,036.7
12,530.5
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
6,969.3
7,025.3
7,492.7
7,921.9
7,206.0
Other Subsidiaries
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
4.3
0.0
7.3
9.0
9.9
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
54.0
57.7
55.3
54.9
54.3
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
5,578.8
5,553.3
5,570.8
5,594.4
5,726.9
5,653.6
5,699.5
5,693.9
5,682.7
5,613.0
5,618.4
5,584.3
5,574.6
5,556.2
5,535.6
5,490.6
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
4,253.4
3,790.6
4,927.6
3,794.5
6,522.7
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
59,884.0
63,652.5
64,218.4
64,306.4
67,056.8
69,744.3
72,588.7
73,845.2
74,214.7
77,593.8
80,274.6
79,862.9
79,578.7
83,202.5
83,423.0
87,846.0
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
4,317.2
4,408.2
4,525.4
4,607.9
4,550.9
4,754.1
4,845.6
4,987.5
4,953.1
5,083.4
5,228.6
5,453.0
5,498.4
5,363.8
5,289.3
5,303.8
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
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
498.1
498.1
498.1
498.1
498.1
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
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
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
-151.6
-152.2
-338.4
-531.9
-622.0
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
1,841.6
1,909.9
2,005.1
2,076.1
2,057.4
2,140.7
2,220.2
2,310.6
2,319.7
2,409.1
2,555.3
2,698.4
2,744.4
2,795.9
2,914.9
3,019.5
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
831.7
828.9
832.5
835.1
835.7
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
5,036.0
5,129.1
5,248.7
5,433.4
5,362.3
5,563.1
5,658.8
5,805.3
5,768.6
5,903.3
6,054.1
6,284.7
6,327.3
6,196.2
6,124.4
6,139.5
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
64,920.0
68,781.6
69,467.1
69,739.7
72,419.1
75,307.4
78,247.5
79,650.6
79,983.3
83,497.0
86,328.7
86,147.7
85,906.0
89,398.8
89,547.4
93,985.5
☞ 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
(after restatement)
☞ 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
Disclaimer
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
(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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
1,176.6
1,601.3
420.9
869.2
1,339.8
Condensed BS
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
1,564.1
2,139.9
599.2
1,258.7
2,006.6
Condensed IS
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
387.5
538.7
178.3
389.6
666.8
BS(Official Announcement)
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
357.0
460.5
122.2
247.6
322.9
IS(Official Announcement)
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
435.0
567.0
153.9
316.5
422.4
Key Indices
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
78.0
106.4
31.7
68.9
99.4
Asset Quality
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
-119.7
-23.9
-46.2
-67.9
-160.3
-22.6
-35.7
-58.6
-55.6
-25.4
-16.6
-38.2
-63.2
-27.4
-57.5
-104.2
Capital Adequacy
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
580.4
751.4
173.5
331.0
482.1
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
1,119.4
237.1
458.0
676.2
961.3
228.9
440.6
662.2
848.5
225.7
418.4
618.6
814.6
200.9
388.5
586.3
DGB Daegu Bank
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
131.0
196.2
16.6
-13.2
-56.5
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
0.5
-11.6
21.8
60.3
117.3
Hi Investment & Securities
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
5.5
2.6
-0.3
-1.6
-2.2
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
102.7
168.2
42.5
88.2
138.6
DGB Life
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
14.4
3.4
31.7
30.0
106.7
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
788.3
1,170.2
251.2
525.5
791.0
DGB Capital
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
-97.3
-102.2
-63.4
-98.2
-211.8
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
307.3
133.0
269.5
376.2
370.9
133.3
274.0
407.9
503.1
178.4
450.4
658.4
748.6
228.5
422.8
582.5
Hi Asset Management
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
-2.4
-11.9
1.4
-1.4
-2.7
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
458.7
147.0
281.4
390.3
377.2
130.0
278.3
416.8
512.2
177.7
445.9
656.1
736.7
229.9
421.5
579.8
Other Subsidiaries
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
74.8
34.1
66.1
92.3
84.2
32.4
65.9
99.1
125.5
41.6
112.2
164.5
183.0
55.8
113.0
153.8
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
96.0
207.1
293.2
383.9
112.9
215.3
298.1
293.0
97.7
212.3
317.6
386.7
136.1
333.8
491.6
553.8
174.1
308.5
426.0
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
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
383.9
112.9
217.3
299.6
316.5
97.7
212.3
317.6
386.7
136.1
333.8
491.6
553.8
174.1
308.5
426.0
1. Attribution of Net Income
0.0
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
361.4
103.8
199.5
272.1
281.0
88.2
191.0
284.0
342.2
123.5
307.8
452.6
503.1
162.2
285.5
394.3
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
39.0
50.7
11.9
23.0
31.7
(after restatement)
G_In.
Group & Daegu Bank Key Indices
Back to Home
%, Group
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
ROA_annualized
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
0.61
0.62
0.59
0.53
0.41
0.48
0.51
0.50
0.44
0.60
0.74
0.72
0.60
0.74
0.65
0.59
DGB Financial Group
ROE_annualized
15.02
13.56
13.32
11.35
12.02
10.10
10.96
9.09
7.90
9.16
9.60
8.16
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
8.75
9.52
9.03
8.13
6.27
7.58
8.10
7.91
7.10
9.85
12.10
11.65
9.59
11.95
10.61
9.80
Condensed BS
Cost Income Ratio_annualized
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
62.3
55.1
54.9
56.9
63.8
55.3
53.6
55.1
56.7
52.5
49.8
50.9
56.1
48.1
50.8
52.3
Condensed IS
Credit Cost Ratio_annualized
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
0.25
0.30
0.31
0.31
0.32
BS(Official Announcement)
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
0.61
0.56
0.56
0.53
0.52
IS(Official Announcement)
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
206.5
228.0
232.5
242.2
245.6
Key Indices
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
90.8
88.5
79.6
74.2
75.1
79.4
83.0
78.4
87.6
107.6
132.1
110.3
119.2
118.5
134.8
140.7
154.7
158.8
Asset Quality
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
0.48
0.34
0.42
0.38
0.41
Capital Adequacy
%, Daegu Bank
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
DGB Daegu Bank
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
3Q21
4Q21
1Q22
2Q22
3Q22
ROA_annualized
1.08
1.01
1.00
0.86
0.89
0.75
0.81
0.69
0.64
0.70
0.74
0.61
0.86
0.83
0.76
0.57
0.74
0.68
0.64
0.55
0.77
0.72
0.71
0.58
0.76
0.77
0.72
0.43
0.65
0.65
0.56
0.49
0.52
0.44
0.43
0.36
0.56
0.58
0.56
0.48
0.69
0.62
0.62
Hi Investment & Securities
ROE_annualized
15.09
14.01
13.75
11.81
12.31
10.22
10.93
9.17
8.98
9.78
10.33
8.57
11.89
11.46
10.53
7.95
10.32
9.48
8.80
7.59
10.70
9.94
9.86
8.08
10.51
10.70
9.86
5.93
9.09
9.07
7.80
6.98
7.58
6.54
6.30
5.43
8.79
9.15
8.89
7.56
11.15
9.91
9.99
Cost Income Ratio_annualized
41.0
43.3
44.6
49.4
44.0
45.7
46.7
50.9
47.0
47.4
46.7
52.1
42.0
42.7
45.9
52.8
41.1
44.5
46.8
51.5
43.1
44.7
45.4
51.6
43.1
46.1
46.8
57.8
47.5
48.4
51.6
55.4
50.5
50.8
53.1
55.6
50.3
51.0
52.2
57.4
44.4
46.3
46.7
DGB Life
Credit Cost Ratio_annualized
0.95
0.70
0.75
0.65
0.44
0.51
0.47
0.57
0.71
0.65
0.61
0.55
0.54
0.58
0.62
0.60
0.73
0.57
0.55
0.52
0.54
0.48
0.45
0.43
0.49
0.32
0.39
0.44
0.46
0.44
0.40
0.35
0.40
0.51
0.47
0.49
0.27
0.22
0.21
0.25
0.37
0.34
0.33
NPL
1.38
1.37
1.33
1.04
1.03
1.04
1.24
1.04
1.21
1.32
1.30
1.16
1.11
1.24
1.12
1.23
1.28
1.24
1.24
1.19
1.09
1.05
0.90
0.82
0.87
0.70
0.78
0.90
0.94
0.88
0.79
0.73
0.84
0.74
0.70
0.49
0.61
0.52
0.53
0.48
0.49
0.44
0.42
DGB Capital
Coverage Ratio(Including Reserve)
136.5
115.5
115.1
141.8
141.8
139.6
120.5
135.6
121.2
105.4
106.8
120.4
126.6
114.3
122.1
129.6
126.5
126.2
125.8
127.8
133.2
142.8
158.6
171.7
160.8
181.5
170.6
150.9
148.6
155.7
168.9
180.2
162.2
177.6
190.5
248.2
201.5
225.9
224.4
256.7
257.3
280.2
288.7
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
63.4
68.0
73.2
81.4
81.0
89.3
86.4
87.8
80.7
82.8
89.4
94.3
83.6
95.1
104.9
139.4
109.3
118.2
115.8
135.3
141.9
165.2
171.9
Hi Asset Management
Delinquency
1.05
1.08
0.95
0.70
0.75
0.71
0.78
0.52
0.66
0.67
0.71
0.68
0.76
0.90
0.80
0.78
0.86
0.79
0.86
0.68
0.55
0.52
0.56
0.51
0.58
0.51
0.59
0.60
0.69
0.53
0.49
0.50
0.65
0.52
0.54
0.37
0.33
0.28
0.31
0.22
0.30
0.24
0.26
Other Subsidiaries
%, Quarterly
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
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
1.95
2.01
2.06
2.14
2.27
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
1.83
1.89
1.94
2.03
2.17
▪ NIM(Group) only includes DGB Daegu Bank and DGB Capital.
▪ Global businesses[ex. DGB Bank(Cambodia) and DLLC(Laos)] is excluded in calculating Group NIM.
%, Annualized
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
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
1.94
1.96
2.06
2.10
2.16
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
1.83
1.85
1.94
1.98
2.05
▪ NIM(Group) only includes DGB Daegu Bank and DGB Capital.
▪ Global businesses[ex. DGB Bank(Cambodia) and DLLC(Laos)] is excluded in calculating Group NIM.
G_Asset Quality
Group Asset Quality
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Disclaimer
Total, (in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
54,676.2
55,558.4
55,470.1
56,981.5
58,213.2
Condensed BS
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
53,883.8
54,845.2
54,647.3
56,213.6
57,425.4
Condensed IS
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
461.2
400.0
514.7
465.4
486.8
BS(Official Announcement)
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
215.3
190.3
195.3
181.7
189.4
IS(Official Announcement)
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
44.5
41.3
39.4
30.0
34.8
Key Indices
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
71.3
81.6
73.5
90.8
76.7
Asset Quality
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
0.61
0.56
0.56
0.53
0.52
Capital Adequacy
DGB Daegu Bank
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
G_Capital
Group Capital Adequacy
Back to Home
Standardized Approach
IRB
Disclaimer
(in bn won), %, Group
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
14.79
14.78
14.95
14.48
13.82
13.81
Condensed BS
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
13.64
13.57
13.75
13.25
12.60
12.60
Condensed IS
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
11.73
11.47
11.63
11.51
11.27
11.27
BS(Official Announcement)
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
2.10
2.13
1.73
1.34
1.33
IS(Official Announcement)
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
1.20
1.20
1.23
1.22
1.21
Key Indices
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
5,842.1
5,796.4
5,817.2
5,792.4
5,907.0
Asset Quality
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
5,365.9
5,333.0
5,322.5
5,281.0
5,390.3
Capital Adequacy
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
4,535.1
4,508.7
4,626.6
4,721.5
4,820.6
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
830.8
824.3
695.9
559.5
569.7
DGB Daegu Bank
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
476.2
463.4
494.7
511.4
516.7
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
37,831.0
39,531.1
38,773.4
40,181.4
41,909.3
42,767.4
Hi Investment & Securities
▪ 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.
Standardized Approach
IRB
DGB Life
(in bn won), %, Daegu Bank
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Capital
BIS ratio
14.57
14.50
14.43
14.62
13.95
14.93
15.36
15.21
13.70
13.59
13.60
13.21
13.68
13.58
13.94
13.54
13.54
14.56
14.63
14.33
14.34
14.72
14.76
14.41
14.74
14.84
15.11
15.08
15.09
15.14
15.17
14.42
14.31
14.32
18.25
17.53
16.59
16.56
16.46
16.57
16.55
16.26
15.78
Tier 1 ratio
10.94
10.92
10.95
10.89
10.72
11.39
11.49
11.62
10.41
10.40
10.45
10.14
10.85
10.78
10.84
11.29
11.47
12.03
12.12
12.14
12.37
12.74
12.80
12.53
12.94
13.15
13.53
13.54
13.56
13.39
13.54
12.90
12.52
12.59
16.25
15.64
14.87
14.59
14.35
14.50
14.31
14.06
13.74
Hi Asset Management
Common Equity Tier 1 ratio
n/a
n/a
n/a
n/a
n/a
n/a
n/a
9.23
9.32
9.33
9.41
9.12
9.84
9.79
9.87
10.24
10.41
10.95
11.05
11.08
11.32
11.69
11.76
11.49
11.60
11.83
11.89
11.53
11.79
11.68
11.55
10.96
10.85
10.94
14.21
13.64
13.20
12.98
12.79
12.91
12.98
12.77
12.50
Additional Tier 1 ratio
n/a
n/a
n/a
n/a
n/a
n/a
n/a
2.39
1.09
1.07
1.04
1.02
1.01
0.99
0.97
1.05
1.06
1.08
1.07
1.06
1.05
1.05
1.04
1.04
1.34
1.32
1.64
2.01
1.77
1.71
1.99
1.94
1.67
1.65
2.04
2.00
1.67
1.61
1.56
1.59
1.33
1.29
1.24
Other Subsidiaries
Tier 2 ratio
3.63
3.58
3.48
3.73
3.23
3.53
3.87
3.59
3.29
3.19
3.15
3.07
2.83
2.80
3.10
2.25
2.07
2.53
2.51
2.19
1.97
1.98
1.96
1.88
1.80
1.69
1.58
1.54
1.53
1.75
1.64
1.52
1.79
1.73
2.00
1.88
1.73
1.96
2.11
2.07
2.23
2.20
2.04
BIS Capital
3,302.8
3,356.2
3,443.9
3,500.0
3,478.9
3,828.7
3,988.0
3,951.7
3,618.7
3,674.9
3,775.5
3,725.3
3,948.3
3,997.5
4,179.5
3,720.6
3,718.6
3,901.8
3,962.5
3,914.5
3,954.3
4,032.7
4,094.9
4,004.5
4,121.1
4,216.4
4,383.7
4,308.0
4,316.1
4,491.2
4,621.6
4,518.7
4,592.7
4,646.7
4,787.8
4,696.4
4,665.0
4,807.2
4,928.3
4,870.1
4,942.5
5,016.0
5,090.9
Tier 1 Capital
2,479.4
2,527.9
2,613.6
2,607.3
2,672.8
2,922.1
2,983.3
3,018.0
2,750.8
2,812.5
2,901.2
2,859.8
3,130.2
3,172.6
3,250.7
3,102.0
3,148.8
3,224.8
3,283.6
3,316.5
3,412.8
3,490.4
3,552.1
3,481.4
3,618.3
3,737.6
3,923.1
3,868.5
3,877.6
3,971.9
4,123.1
4,041.1
4,017.4
4,085.6
4,263.6
4,191.6
4,179.0
4,237.2
4,297.8
4,263.0
4,275.0
4,337.8
4,433.3
Common Equity Tier 1 Capital
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
2,461.3
2,522.9
2,611.6
2,570.2
2,840.6
2,883.0
2,961.1
2,812.4
2,859.3
2,935.3
2,994.0
3,027.0
3,123.2
3,200.9
3,262.5
3,191.8
3,242.9
3,362.2
3,448.1
3,293.8
3,371.9
3,466.1
3,517.6
3,435.6
3,480.9
3,549.1
3,727.0
3,655.0
3,711.3
3,769.6
3,830.2
3,795.4
3,876.3
3,939.1
4,034.6
Additional Tier 1 Capital
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
289.5
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.5
289.6
289.6
289.6
289.6
375.4
375.4
475.0
574.7
505.7
505.8
605.5
605.5
536.6
536.5
536.6
536.6
467.6
467.6
467.6
467.6
398.7
398.7
398.7
Tier 2 Capital
823.4
828.3
830.3
892.7
806.1
906.6
1,004.7
933.7
867.9
862.4
874.3
865.6
818.1
824.9
928.8
618.6
569.7
676.9
678.9
598.0
541.5
542.3
542.8
523.1
502.8
478.8
460.6
439.5
438.5
519.3
498.5
477.5
575.2
561.1
524.2
504.8
486.0
570.0
630.5
607.1
667.5
678.2
657.5
RWA
22,662.8
23,147.5
23,865.3
23,940.0
24,933.7
25,651.3
25,958.7
25,976.8
26,412.2
27,035.9
27,767.0
28,195.1
28,854.7
29,438.8
29,992.3
27,469.7
27,458.0
26,806.9
27,091.0
27,322.5
27,583.3
27,390.9
27,745.9
27,785.2
27,955.7
28,415.8
29,003.3
28,571.8
28,600.1
29,670.3
30,457.6
31,334.9
32,084.2
32,453.6
26,234.2
26,795.9
28,111.1
29,036.9
29,947.8
29,395.8
29,866.8
30,846.1
32,264.9
▪ As of the end of December 2015, DGB Daegu Bank introduced IRB, Internal Rating Based Approach, a way to calculate Risk Weighted Asset by using estimated risk variables that DGB internally established.
Basel Ⅲ
Basel Ⅰ
Basel Ⅲ
Basel Ⅰ
B_BS
DGB Daegu Bank Condensed B/S
Back to Home
(in bn won), %, Ending Balance
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
Cash & Due
1,797.9
1,597.1
1,331.3
1,183.8
1,262.0
1,155.9
1,432.3
1,491.5
1,600.9
1,633.2
1,530.3
1,745.5
1,945.4
2,219.0
2,313.4
1,795.3
1,736.5
2,123.4
2,058.3
2,231.0
2,149.9
2,190.9
2,103.3
1,981.0
2,129.9
2,249.0
2,282.6
1,969.5
1,894.9
1,957.3
2,109.5
2,094.8
2,215.7
2,508.9
2,907.5
2,615.2
2,622.2
2,031.7
3,193.5
3,151.4
3,503.0
2,824.7
3,018.5
DGB Financial Group
Securities
6,120.2
6,114.5
6,544.9
6,807.3
7,060.4
7,310.8
7,266.1
7,355.6
7,360.6
7,290.5
7,341.9
7,338.7
7,637.8
7,799.8
7,726.1
7,738.8
7,578.4
7,236.4
7,584.0
7,736.5
8,009.6
8,041.3
8,124.9
8,106.5
8,297.7
8,372.5
8,433.5
8,325.8
8,332.9
8,367.3
8,280.4
8,042.2
7,759.1
8,043.9
8,275.4
8,342.5
8,363.0
8,491.0
9,052.0
9,009.2
9,109.0
8,845.0
8,811.4
Loans
22,592.6
23,119.8
23,497.6
24,162.4
24,661.3
25,911.5
26,057.0
25,991.1
26,594.7
27,618.1
28,681.0
29,709.2
30,732.3
31,896.1
31,850.8
32,758.0
33,683.8
34,513.0
34,079.8
34,257.2
35,142.0
35,769.8
36,279.7
36,603.1
36,803.4
36,566.6
37,226.6
37,244.8
38,101.7
39,335.2
40,079.1
42,401.0
43,480.3
43,965.1
44,718.6
45,743.2
48,660.0
51,097.2
49,697.8
50,174.8
49,912.7
51,068.3
53,007.8
DGB Daegu Bank
Tangible Assets
291.7
307.9
305.9
307.6
305.4
303.3
306.8
311.2
313.7
311.9
320.7
330.0
332.3
340.0
346.4
354.7
360.9
380.5
402.4
404.2
402.6
398.2
418.7
451.4
472.8
511.3
569.3
601.9
623.4
625.5
625.6
634.1
604.9
604.6
607.7
606.4
604.9
613.6
607.2
603.9
601.9
581.3
574.3
Condensed BS
Other Assets
1,585.8
1,487.5
1,857.2
1,670.0
2,102.9
1,718.1
1,857.3
1,771.6
1,820.4
1,844.1
1,825.4
947.8
1,926.8
1,935.8
2,287.1
1,876.2
2,021.3
2,058.0
1,456.5
1,316.3
1,872.7
2,264.3
2,646.9
1,183.1
1,840.9
2,730.5
1,936.5
1,643.3
2,632.2
2,055.9
1,926.3
2,043.3
1,140.4
2,001.4
2,579.6
1,958.4
1,604.4
1,984.3
2,300.8
1,576.2
2,183.1
1,281.2
3,824.5
Condensed IS
Total Assets
32,388.2
32,626.9
33,536.9
34,131.1
35,391.9
36,399.6
36,919.5
36,921.0
37,690.3
38,697.8
39,699.3
40,071.2
42,574.6
44,190.7
44,523.8
44,523.0
45,380.9
46,311.3
45,581.0
45,945.2
47,576.8
48,664.5
49,573.5
48,325.1
49,544.7
50,429.9
50,448.5
49,785.3
51,585.1
52,341.2
53,020.9
55,215.4
55,200.4
57,123.9
59,088.8
59,265.7
61,854.5
64,217.8
64,851.3
64,515.5
65,309.7
64,600.5
69,236.5
NIM / NIS
Deposits
23,164.2
23,670.3
23,588.3
24,891.7
25,914.2
26,705.9
26,241.5
26,877.1
28,010.1
29,031.5
29,820.5
30,820.4
32,175.2
33,517.8
32,999.3
33,533.0
34,382.7
34,778.7
34,686.8
35,435.4
36,105.6
36,791.7
37,293.4
37,967.2
38,059.5
37,996.8
38,393.7
38,345.4
39,288.9
40,278.1
40,866.6
42,495.2
43,424.1
44,625.9
45,629.2
46,406.9
48,963.5
50,792.4
50,663.6
50,383.7
50,784.0
50,593.1
52,262.5
Operating Income
Borrowings
3,229.1
3,145.9
3,527.3
2,899.8
2,715.1
2,669.3
3,313.5
2,728.2
2,820.8
2,802.3
2,824.3
2,718.6
2,693.4
2,878.4
3,082.9
3,144.4
3,098.7
3,276.8
2,989.4
2,985.9
3,375.7
3,339.6
3,369.7
3,111.1
3,345.4
3,407.9
3,279.4
3,194.6
3,285.8
3,432.7
3,467.9
3,579.5
3,558.5
3,824.7
3,862.8
3,862.4
4,044.9
4,270.3
4,301.0
4,249.9
4,339.0
4,787.4
4,962.9
Net Interest Income
Debenture
2,098.6
1,977.3
1,947.4
2,047.9
2,058.5
2,421.8
2,372.1
2,215.6
1,718.5
1,865.8
1,865.1
2,121.6
2,006.3
2,072.1
2,085.6
2,146.2
2,193.9
2,277.9
2,316.3
2,488.4
2,351.0
2,298.4
2,341.0
2,108.9
2,244.9
2,202.4
2,139.8
2,001.5
1,772.8
1,922.3
1,969.7
1,978.9
2,214.3
2,248.9
2,290.9
2,230.7
2,492.3
2,496.2
2,735.2
2,891.3
3,069.3
2,906.4
2,985.0
Non Interest Income
Other Liabilities
1,575.4
1,448.8
1,994.0
1,833.8
2,159.0
1,826.9
2,126.5
2,180.0
2,158.1
1,936.4
2,041.0
1,293.4
2,288.8
2,245.2
2,804.1
2,223.8
2,146.2
2,337.1
1,889.9
1,415.4
2,029.8
2,437.2
2,705.2
1,358.9
1,947.4
2,768.5
2,398.4
2,083.8
2,990.3
2,367.5
2,221.9
2,744.4
1,509.9
1,875.9
2,700.3
2,243.5
1,756.1
1,979.7
2,392.5
2,301.1
2,356.0
1,502.7
4,119.5
Collateral Type
Total Liabilities
30,067.3
30,242.4
31,056.9
31,673.2
32,846.8
33,623.9
34,053.6
34,000.9
34,707.5
35,636.0
36,550.9
36,954.0
39,163.7
40,713.5
40,971.9
41,047.4
41,821.5
42,670.5
41,882.4
42,325.1
43,862.1
44,866.9
45,709.3
44,546.1
45,597.2
46,375.6
46,211.3
45,625.3
47,337.8
48,000.6
48,526.1
50,798.0
50,706.8
52,575.4
54,483.2
54,743.5
57,256.8
59,538.6
60,092.3
59,826.0
60,548.3
59,789.6
64,329.9
Loans Portfolio
Paid-in Capital
660.6
660.6
660.6
660.6
660.6
660.6
660.6
660.6
660.6
660.6
660.6
660.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
680.6
Asset Quality
Capital Surplus
12.3
12.3
12.3
12.3
12.3
12.3
12.3
12.3
12.3
12.3
12.3
12.3
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
192.2
Delinquency
Hybrid Bond
0.0
0.0
0.0
0.0
0.0
199.7
199.7
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
289.6
389.2
389.2
488.9
588.6
588.6
588.6
688.3
688.3
688.3
688.3
688.3
688.3
688.3
688.3
688.3
688.3
688.3
688.3
688.3
Provision for loan loss
Retained Earnings
1,639.8
1,707.2
1,788.4
1,772.7
1,848.5
1,903.2
1,985.9
1,960.9
2,016.3
2,084.7
2,161.8
2,137.0
2,224.2
2,310.0
2,381.0
2,310.8
2,393.5
2,464.8
2,528.4
2,482.7
2,571.8
2,651.3
2,737.7
2,662.7
2,745.3
2,843.9
2,921.1
2,758.5
2,839.5
2,924.4
2,975.3
2,918.1
2,989.2
3,041.6
3,098.7
3,033.9
3,117.7
3,211.9
3,297.2
3,223.9
3,335.0
3,423.8
3,530.5
Write-offs / Loan Sales
AOCI(Capital Adjustment included)
8.2
4.4
18.5
12.3
23.7
-0.1
7.4
-3.3
4.0
14.6
24.1
17.7
24.3
4.8
8.5
2.4
3.5
13.6
7.8
-25.0
-19.5
-16.1
-35.9
-46.1
-59.8
-51.6
-45.6
-59.9
-53.6
-45.2
-41.6
-61.8
-56.7
-54.2
-54.2
-72.8
-81.1
-93.8
-99.4
-95.5
-134.7
-174.0
-185.0
PF / Credit Card
Total Equity
2,320.9
2,384.5
2,479.9
2,457.9
2,545.1
2,775.7
2,865.9
2,920.1
2,982.8
3,061.8
3,148.4
3,117.2
3,410.9
3,477.2
3,551.9
3,475.6
3,559.4
3,640.8
3,698.6
3,620.1
3,714.7
3,797.6
3,864.2
3,779.0
3,947.5
4,054.3
4,237.2
4,160.0
4,247.3
4,340.6
4,494.8
4,417.4
4,493.6
4,548.5
4,605.6
4,522.2
4,597.7
4,679.2
4,758.9
4,689.5
4,761.4
4,810.9
4,906.6
Securities Held
Total Equity & Liabilities
32,388.2
32,626.9
33,536.9
34,131.1
35,391.9
36,399.6
36,919.5
36,921.0
37,690.3
38,697.8
39,699.3
40,071.2
42,574.6
44,190.7
44,523.8
44,523.0
45,380.9
46,311.3
45,581.0
45,945.2
47,576.8
48,664.5
49,573.5
48,325.1
49,544.7
50,429.9
50,448.5
49,785.3
51,585.1
52,341.2
53,020.9
55,215.4
55,200.4
57,123.9
59,088.8
59,265.7
61,854.5
64,217.8
64,851.3
64,515.5
65,309.7
64,600.5
69,236.5
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_IS
DGB Daegu Bank Condensed I/S
Back to Home
(in bn won), Cumulative
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
Operating Revenues
653.3
1,217.9
1,865.5
2,434.4
584.6
1,230.8
1,782.8
2,362.9
517.9
1,090.9
1,614.0
2,173.6
558.3
1,128.2
1,764.4
2,295.5
707.1
1,224.6
1,884.5
2,463.9
737.9
1,252.4
1,818.6
2,448.7
615.7
1,337.0
1,949.8
2,560.6
649.3
1,353.4
2,045.8
2,659.2
882.9
1,496.5
2,114.7
2,914.4
677.1
1,258.6
1,954.1
2,565.5
716.2
1,606.0
2,825.0
DGB Financial Group
Interest Revenues
425.9
853.7
1,280.2
1,698.7
406.9
818.1
1,230.5
1,645.6
405.2
818.6
1,239.0
1,654.4
402.4
794.9
1,180.3
1,561.8
377.7
752.9
1,126.3
1,503.2
377.1
765.4
1,160.3
1,563.9
419.8
848.8
1,284.6
1,716.5
436.2
878.0
1,319.1
1,751.5
423.4
830.1
1,217.6
1,603.8
381.9
776.8
1,185.0
1,617.1
451.4
948.7
1,521.8
Fee Revenues
30.9
62.0
93.3
124.0
31.4
62.5
92.6
123.9
30.2
61.6
92.3
124.1
33.1
69.0
101.2
133.1
34.4
68.8
102.0
133.8
37.7
70.6
103.7
138.6
36.8
73.8
111.6
142.3
34.1
73.3
106.0
140.3
36.0
72.9
112.5
151.2
45.7
93.6
134.8
169.6
36.9
77.1
113.2
DGB Daegu Bank
Gain on Sec. related
124.6
184.6
344.0
445.4
25.4
38.4
50.6
56.9
16.8
25.7
49.8
60.1
34.8
78.0
89.8
97.7
42.4
56.7
68.8
72.2
13.0
32.0
49.7
58.9
7.5
16.7
23.9
42.6
14.4
33.3
51.3
58.7
32.9
53.9
69.1
77.8
23.3
39.5
55.4
75.3
42.5
53.0
62.9
Condensed BS
Gain on Der. related
0.0
5.4
6.8
9.3
110.9
257.6
326.4
416.5
49.8
142.4
174.5
251.7
53.3
117.8
285.4
357.1
200.7
238.1
416.3
521.8
242.1
255.8
317.8
454.6
77.9
260.8
312.0
384.3
100.2
246.8
394.7
469.5
289.1
353.6
447.2
715.7
161.1
181.0
345.5
379.4
109.9
318.7
810.2
Condensed IS
Gain on FX
51.4
92.2
120.8
135.6
9.3
38.7
64.7
92.9
11.1
37.9
48.6
71.4
31.5
57.5
86.3
122.6
38.6
88.4
147.3
194.4
57.3
114.6
173.6
216.2
71.4
126.2
202.6
257.8
61.1
109.5
160.6
223.3
100.1
175.6
245.3
330.9
64.9
156.1
221.7
292.3
75.5
195.3
293.7
NIM / NIS
Other Operating Revenues
20.5
20.0
20.4
21.4
0.7
15.5
18.0
27.1
4.8
4.7
9.8
11.9
3.2
11.0
21.4
23.2
13.2
19.7
23.8
38.5
10.7
14.0
13.5
16.5
2.3
10.7
15.1
17.1
3.3
12.5
14.1
15.9
1.4
10.4
23.0
35.0
0.2
11.6
11.7
31.8
0.0
13.2
23.2
Operating Income
Operating Expenses
536.6
996.3
1,535.7
2,054.2
485.4
1,055.8
1,489.3
2,026.3
441.2
918.3
1,336.4
1,849.9
438.8
899.1
1,482.7
2,002.7
597.2
1,016.0
1,589.5
2,124.2
619.3
1,026.8
1,475.8
2,062.4
491.1
1,074.8
1,582.5
2,239.0
534.3
1,121.6
1,741.2
2,291.0
782.9
1,318.8
1,857.6
2,611.3
559.7
1,001.7
1,577.3
2,138.6
569.8
1,327.6
2,398.5
Net Interest Income
Interest Expenses
192.4
391.0
591.5
780.6
183.5
366.5
547.3
722.4
164.5
327.2
495.2
659.9
155.3
303.3
444.2
577.8
128.6
253.6
372.1
487.7
113.4
229.8
347.1
468.6
128.4
265.6
407.5
553.6
150.6
304.9
460.5
611.9
146.5
277.5
387.8
489.5
94.0
187.6
285.5
393.6
128.6
279.7
476.2
Non Interest Income
Fee Expenses
12.6
26.4
38.4
50.6
12.5
26.6
39.4
51.8
12.1
26.1
39.0
53.6
12.7
28.0
42.1
57.1
13.2
30.3
45.8
61.3
14.3
31.4
47.1
63.9
15.5
32.9
49.4
66.0
12.7
25.6
39.8
53.9
12.2
25.5
39.2
52.5
12.1
26.1
41.1
55.4
13.0
27.0
43.4
Collateral Type
Loss on Sec. related
94.9
154.6
282.3
381.1
9.3
20.0
20.1
25.0
8.5
13.4
15.6
18.7
3.4
16.7
24.3
29.4
13.6
15.7
17.7
24.2
1.0
1.5
3.0
4.0
3.9
15.1
15.3
33.8
3.7
4.2
13.2
15.5
21.1
19.1
21.4
21.4
13.7
18.1
18.4
21.8
17.5
39.6
51.6
Loans Portfolio
Loss on Der. related
1.0
0.4
1.5
1.8
112.5
273.3
320.9
399.9
42.5
128.0
153.7
227.2
52.5
122.6
281.9
352.9
196.9
233.3
413.6
502.8
246.8
267.2
334.4
476.4
77.7
250.8
290.2
348.2
92.6
235.3
372.8
457.6
267.9
338.1
433.2
707.3
142.8
163.7
306.3
335.6
100.1
294.5
765.8
Asset Quality
Provision for Credit Losses
47.6
77.5
133.3
162.2
25.9
63.6
94.7
150.8
66.4
115.7
159.6
193.2
46.3
93.6
153.0
202.5
61.0
94.9
140.7
183.0
45.9
86.9
122.0
162.9
44.6
51.3
101.6
160.3
40.1
76.7
110.5
136.0
41.9
112.8
161.4
228.3
30.8
51.9
74.8
125.6
42.0
84.1
125.3
Delinquency
Loss on FX
55.5
90.7
99.2
113.9
11.8
42.3
67.2
83.0
12.4
29.9
45.6
68.5
30.3
49.1
90.4
123.0
39.4
87.9
140.1
200.8
47.0
94.7
144.0
175.2
65.8
128.7
211.7
276.4
64.4
111.9
170.5
216.4
118.2
183.1
245.9
318.0
81.9
166.0
251.9
322.4
82.6
218.8
341.9
Provision for loan loss
G&A Expenses
107.9
214.2
328.3
479.3
106.7
218.6
336.3
491.3
110.9
229.5
352.4
526.7
114.2
235.4
363.1
545.1
117.5
244.4
379.4
551.0
123.1
248.8
383.4
577.4
127.2
269.7
413.0
659.6
140.7
290.0
443.2
625.3
145.0
298.7
472.8
663.9
150.6
321.8
496.6
747.0
150.9
313.3
487.5
Write-offs / Loan Sales
Other Operating Expenses
24.7
41.5
61.2
84.7
23.2
44.9
63.4
102.1
23.9
48.5
75.3
102.1
24.1
50.4
83.7
114.9
27.0
55.9
80.1
113.4
27.8
66.5
94.8
134.0
28.0
60.7
93.8
141.1
29.5
73.0
130.7
174.4
30.1
64.0
95.9
130.4
33.8
66.5
102.7
137.2
35.1
70.6
106.8
PF / Credit Card
Operating Income
116.7
221.6
329.8
380.2
99.2
175.0
293.5
336.6
76.7
172.6
277.6
323.7
119.5
229.1
281.7
292.8
109.9
208.6
295.0
339.7
118.6
225.6
342.8
386.3
124.6
262.2
367.3
321.6
115.0
231.8
304.6
368.2
100.0
177.7
257.1
303.1
117.4
256.9
376.8
426.9
146.4
278.4
426.5
Securities Held
Non-Operating Income
-4.7
-10.1
-11.7
-12.1
0.2
-2.2
-7.6
-5.6
-0.7
-1.7
-2.9
-3.6
-1.5
-1.4
-3.0
-3.4
0.0
-1.0
-2.1
-1.2
0.7
3.6
2.8
-4.0
-2.6
-4.3
-5.0
-12.9
-2.7
-4.0
-3.1
-12.4
-1.0
-2.7
-0.4
-2.2
-1.7
-6.5
-6.9
-5.3
2.9
3.9
3.7
Corporate Tax & Others
26.5
50.5
75.8
87.6
23.5
41.3
68.4
82.1
17.1
40.1
63.2
69.9
27.3
47.7
24.0
27.6
23.6
46.5
64.7
73.5
26.7
53.5
80.1
88.2
26.5
59.6
81.2
73.9
24.5
49.6
65.0
73.5
20.3
36.2
53.2
62.6
24.2
57.7
84.3
91.6
30.6
67.1
100.8
Hi Investment & Securities
Net Income
85.5
161.0
242.3
280.5
75.9
131.5
217.5
248.9
58.9
130.8
211.5
250.2
90.7
180.0
254.6
261.8
86.3
161.1
228.2
265.0
92.6
175.7
265.5
294.1
95.5
198.3
281.1
234.8
87.8
178.2
236.5
282.3
78.7
138.8
203.5
238.3
91.5
192.7
285.6
330.0
118.7
215.2
329.4
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_NIM
DGB Daegu Bank NIM
Back to Home
%, (in bn won), Quarterly
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
NIM
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
1.83
1.89
1.94
2.03
2.17
DGB Financial Group
NIS
3.52
3.40
3.26
3.17
3.14
3.06
2.98
3.00
3.01
2.97
2.85
2.74
2.63
2.46
2.43
2.47
2.47
2.47
2.44
2.50
2.56
2.56
2.56
2.61
2.69
2.68
2.66
2.64
2.56
2.53
2.38
2.24
2.15
2.06
2.03
2.03
2.09
2.09
2.09
2.20
2.27
2.38
2.60
Interest rate on Loans in Won
6.24
6.13
5.96
5.72
5.56
5.35
5.16
5.10
5.07
4.99
4.83
4.63
4.41
4.11
3.94
3.89
3.83
3.76
3.65
3.66
3.71
3.70
3.69
3.78
3.92
3.96
3.98
4.01
3.98
3.94
3.76
3.56
3.39
3.15
2.95
2.85
2.84
2.80
2.81
2.98
3.21
3.45
3.94
DGB Daegu Bank
Household
6.07
5.98
5.85
5.62
5.40
5.18
4.99
4.89
4.78
4.69
4.55
4.31
4.08
3.82
3.67
3.54
3.47
3.47
3.39
3.36
3.39
3.42
3.46
3.53
3.65
3.79
3.88
3.92
3.97
3.97
3.83
3.56
3.30
3.10
2.91
2.75
2.70
2.68
2.72
2.84
3.02
3.22
3.51
Condensed BS
Corporate
5.70
5.62
5.45
5.28
5.13
4.96
4.79
4.75
4.72
4.63
4.52
4.32
4.14
3.84
3.69
3.61
3.59
3.56
3.43
3.44
3.50
3.48
3.46
3.55
3.68
3.71
3.70
3.73
3.74
3.67
3.50
3.34
3.24
2.99
2.77
2.71
2.72
2.70
2.71
2.85
3.13
3.37
3.95
Condensed IS
Interest rate paid on Deposits in Won
2.72
2.74
2.70
2.55
2.42
2.29
2.18
2.10
2.06
2.02
1.98
1.89
1.78
1.65
1.52
1.42
1.36
1.29
1.21
1.16
1.15
1.14
1.13
1.17
1.23
1.28
1.32
1.37
1.42
1.41
1.38
1.32
1.24
1.09
0.92
0.82
0.75
0.71
0.72
0.78
0.94
1.07
1.34
NIM / NIS
Average Interest Bearing Assets
28,087.8
28,773.7
29,333.8
29,801.4
30,291.3
31,525.2
32,250.0
32,835.5
32,992.3
33,784.5
35,063.8
36,039.2
37,168.5
38,724.1
39,248.8
39,702.6
40,247.9
41,010.0
41,372.2
41,824.4
42,420.4
43,413.5
43,824.4
44,088.8
44,485.8
44,650.8
44,823.1
45,147.7
45,260.6
45,917.8
47,263.1
48,621.8
50,077.5
51,517.6
51,991.6
53,341.6
54,684.5
56,539.9
57,580.1
58,667.4
58,123.5
58,878.5
59,521.8
Operating Income
Net Interest Income
%, (in bn won), Annualized
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Non Interest Income
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
3Q21
4Q21
1Q22
2Q22
3Q22
Collateral Type
NIM
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
1.83
1.85
1.94
1.98
2.05
Loans Portfolio
NIS
3.52
3.47
3.40
3.33
3.14
3.10
3.06
3.05
3.01
2.98
2.94
2.89
2.63
2.55
2.51
2.49
2.47
2.46
2.45
2.46
2.56
2.56
2.56
2.57
2.69
2.68
2.67
2.67
2.56
2.55
2.49
2.43
2.15
2.11
2.08
2.07
2.09
2.09
2.10
2.12
2.27
2.32
2.42
Asset Quality
Interest rate on Loans in Won
6.24
6.20
6.12
6.00
5.56
5.45
5.35
5.29
5.07
5.02
4.96
4.87
4.41
4.26
4.15
4.08
3.83
3.79
3.74
3.72
3.71
3.71
3.70
3.72
3.92
3.94
3.95
3.97
3.98
3.96
3.89
3.81
3.39
3.27
3.16
3.08
2.84
2.82
2.82
2.86
3.21
3.33
3.54
Delinquency
Household
6.07
6.04
5.98
5.87
5.40
5.29
5.19
5.11
4.78
4.73
4.67
4.57
4.08
3.94
3.85
3.77
3.47
3.47
3.44
3.42
3.39
3.41
3.42
3.45
3.65
3.72
3.77
3.81
3.97
3.97
3.92
3.83
3.30
3.20
3.10
3.00
2.70
2.69
2.70
2.74
3.02
3.12
3.26
Provision for loan loss
Corporate
5.70
5.67
5.60
5.50
5.13
5.04
4.96
4.90
4.72
4.67
4.62
4.54
4.14
3.99
3.88
3.81
3.59
3.57
3.52
3.50
3.50
3.49
3.48
3.50
3.68
3.70
3.70
3.71
3.74
3.70
3.63
3.56
3.24
3.12
3.00
2.92
2.72
2.71
2.71
2.75
3.13
3.25
3.49
Write-offs / Loan Sales
Interest rate paid on Deposits in Won
2.72
2.73
2.72
2.67
2.42
2.35
2.29
2.24
2.06
2.04
2.02
1.98
1.78
1.71
1.64
1.59
1.36
1.33
1.29
1.26
1.15
1.15
1.14
1.15
1.23
1.26
1.28
1.30
1.42
1.41
1.40
1.38
1.24
1.16
1.08
1.01
0.75
0.73
0.72
0.74
0.94
1.01
1.12
PF / Credit Card
Average Interest Bearing Assets
28,087.8
28,432.2
28,735.3
29,004.1
30,291.3
30,911.3
31,361.3
31,732.7
32,992.3
33,390.1
33,952.7
34,478.6
37,168.5
37,950.2
38,387.5
38,719.0
40,247.9
40,628.0
40,877.4
41,115.7
42,420.4
42,919.4
43,224.9
43,442.4
44,485.8
44,568.8
44,654.5
44,778.8
45,260.6
45,591.0
46,154.5
46,776.4
50,077.5
50,797.5
51,198.5
51,737.2
54,684.5
55,617.3
56,278.8
56,880.8
58,123.5
58,503.1
58,846.4
Securities Held
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_OI
DGB Daegu Bank Operating Income
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
FY 2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
YTD
Operating Revenues
653.3
564.6
647.6
568.9
2,434.4
584.6
646.2
552.0
580.1
2,362.9
517.9
573.0
523.1
559.6
2,173.6
558.3
569.9
636.2
531.1
2,295.5
707.1
517.5
659.9
579.4
2,463.9
737.9
514.5
566.2
630.1
2,448.7
615.7
721.3
612.8
610.8
2,560.6
649.3
704.1
692.4
613.4
2,659.2
882.9
613.6
618.2
799.7
2,914.4
677.1
581.5
695.5
611.4
2,565.5
716.2
889.8
1,219.0
2,825.0
DGB Financial Group
Interest Revenues
425.9
427.8
426.5
418.5
1,698.7
406.9
411.2
412.4
415.1
1,645.6
405.2
413.4
420.4
415.4
1,654.4
402.4
392.5
385.4
381.5
1,561.8
377.7
375.2
373.4
376.9
1,503.2
377.1
388.3
394.9
403.6
1,563.9
419.8
429.0
435.8
431.9
1,716.5
436.2
441.8
441.1
432.4
1,751.5
423.4
406.7
387.5
386.2
1,603.8
381.9
394.9
408.2
432.1
1,617.1
451.4
497.3
573.1
1,521.8
Fee Revenues
30.9
31.1
31.3
30.7
124.0
31.4
31.1
30.1
31.3
123.9
30.2
31.4
30.7
31.8
124.1
33.1
35.9
32.2
31.9
133.1
34.4
34.4
33.2
31.8
133.8
37.7
32.9
33.1
34.9
138.6
36.8
37.0
37.8
30.7
142.3
34.1
39.2
32.7
34.3
140.3
36.0
36.9
39.6
38.7
151.2
45.7
47.9
41.2
34.8
169.6
36.9
40.2
36.1
113.2
DGB Daegu Bank
Gain on Sec. related
124.6
60.0
159.4
101.4
445.4
25.4
13.0
12.2
6.3
56.9
16.8
8.9
24.1
10.3
60.1
34.8
43.2
11.8
7.9
97.7
42.4
14.3
12.1
3.4
72.2
13.0
19.0
17.7
9.2
58.9
7.5
9.2
7.2
18.7
42.6
14.4
18.9
18.0
7.4
58.7
32.9
21.0
15.2
8.7
77.8
23.3
16.2
15.9
19.9
75.3
42.5
10.5
9.9
62.9
Condensed BS
Gain on Der. Related
0.0
5.4
1.4
2.5
9.3
110.9
146.7
68.8
90.1
416.5
49.8
92.6
32.1
77.2
251.7
53.3
64.5
167.6
71.7
357.1
200.7
37.4
178.2
105.5
521.8
242.1
13.7
62.0
136.8
454.6
77.9
182.9
51.2
72.3
384.3
100.2
146.6
147.9
74.8
469.5
289.1
64.5
93.6
268.5
715.7
161.1
19.9
164.5
33.9
379.4
109.9
208.8
491.5
810.2
Condensed IS
Gain on FX
51.4
40.8
28.6
14.8
135.6
9.3
29.4
26.0
28.2
92.9
11.1
26.8
10.7
22.8
71.4
31.5
26.0
28.8
36.3
122.6
38.6
49.8
58.8
47.1
194.4
57.3
57.3
59.0
42.6
216.2
71.4
54.8
76.4
55.2
257.8
61.1
48.4
51.1
62.7
223.3
100.1
75.5
69.7
85.6
330.9
64.9
91.2
65.6
70.6
292.3
75.5
119.8
98.4
293.7
NIM / NIS
Other Operating Revenues
20.5
-0.5
0.4
1.0
21.4
0.7
14.8
2.5
9.1
27.1
4.8
-0.1
5.1
2.1
11.9
3.2
7.8
10.4
1.8
23.2
13.2
6.4
4.2
14.7
38.5
10.7
3.3
-0.5
3.0
16.5
2.3
8.4
4.4
2.0
17.1
3.3
9.2
1.6
1.8
15.9
1.4
9.0
12.6
12.0
35.0
0.2
11.4
0.1
20.1
31.8
0.0
13.2
10.0
23.2
Operating Income
Operating Expenses
536.6
459.7
539.4
518.5
2,054.2
485.4
570.4
433.5
537.0
2,026.3
441.2
477.1
418.1
513.5
1,849.9
438.8
460.3
583.6
520.0
2,002.7
597.2
418.8
573.5
534.7
2,124.2
619.3
407.5
449.0
586.6
2,062.4
491.1
583.7
507.7
656.5
2,239.0
534.3
587.3
619.6
549.8
2,291.0
782.9
535.9
538.8
753.7
2,611.3
559.7
442.0
575.6
561.3
2,138.6
569.8
757.8
1,070.9
2,398.5
Net Interest Income
Interest Expenses
192.4
198.6
200.5
189.1
780.6
183.5
182.9
180.9
175.1
722.4
164.5
162.7
168.0
164.7
659.9
155.3
148.0
140.9
133.6
577.8
128.6
125.0
118.5
115.6
487.7
113.4
116.4
117.3
121.5
468.6
128.4
137.2
141.9
146.1
553.6
150.6
154.3
155.6
151.4
611.9
146.5
131.0
110.3
101.7
489.5
94.0
93.6
97.9
108.1
393.6
128.6
151.1
196.5
476.2
Non Interest Income
Fee Expenses
12.6
13.8
12.0
12.2
50.6
12.5
14.1
12.8
12.4
51.8
12.1
14.0
12.9
14.6
53.6
12.7
15.3
14.1
15.0
57.1
13.2
17.1
15.5
15.5
61.3
14.3
17.1
15.7
16.8
63.9
15.5
17.4
16.5
16.6
66.0
12.7
12.9
14.2
14.1
53.9
12.2
13.3
13.7
13.3
52.5
12.1
14.0
15.0
14.3
55.4
13.0
14.0
16.4
43.4
Collateral Type
Loss on Sec. related
94.9
59.8
127.6
98.8
381.1
9.3
10.7
0.1
4.9
25.0
8.5
4.9
2.2
3.1
18.7
3.4
13.3
7.6
5.1
29.4
13.6
2.1
2.0
6.5
24.2
1.0
0.5
1.5
1.0
4.0
3.9
11.2
0.2
18.5
33.8
3.7
0.5
9.0
2.3
15.5
21.1
-2.0
2.3
0.0
21.4
13.7
4.4
0.3
3.4
21.8
17.5
22.1
12.0
51.6
Loans Portfolio
Loss on Der. related
1.0
-0.6
1.1
0.3
1.8
112.5
160.8
47.6
79.0
399.9
42.5
85.5
25.7
73.5
227.2
52.5
70.1
159.3
71.0
352.9
196.9
36.4
180.3
89.2
502.8
246.8
20.4
67.2
142.0
476.4
77.7
173.1
39.4
58.0
348.2
92.6
142.7
137.5
84.8
457.6
267.9
70.2
95.1
274.1
707.3
142.8
20.9
142.6
29.3
335.6
100.1
194.4
471.3
765.8
Asset Quality
Provision for Credit Losses
47.6
29.9
55.8
28.9
162.2
25.9
37.7
31.1
56.1
150.8
66.4
49.3
43.9
33.6
193.2
46.3
47.3
59.4
49.5
202.5
61.0
33.9
45.8
42.3
183.0
45.9
41.0
35.1
40.9
162.9
44.6
6.7
50.3
58.7
160.3
40.1
36.6
33.8
25.5
136.0
41.9
70.9
48.6
66.9
228.3
30.8
21.1
22.9
50.8
125.6
42.0
42.1
41.2
125.3
Delinquency
Loss on FX
55.5
35.2
8.5
14.7
113.9
11.8
30.5
24.9
15.8
83.0
12.4
17.5
15.7
22.9
68.5
30.3
18.8
41.3
32.6
123.0
39.4
48.5
52.2
60.7
200.8
47.0
47.7
49.3
31.2
175.2
65.8
62.9
83.0
64.7
276.4
64.4
47.5
58.6
45.9
216.4
118.2
64.9
62.8
72.1
318.0
81.9
84.1
85.9
70.5
322.4
82.6
136.2
123.1
341.9
Provision for loan loss
G&A Expenses
107.9
106.3
114.1
151.0
479.3
106.7
111.9
117.6
155.0
491.3
110.9
118.6
122.9
174.3
526.7
114.2
121.3
127.7
182.0
545.1
117.5
126.9
135.0
171.6
551.0
123.1
125.7
134.6
194.0
577.4
127.2
142.5
143.3
246.6
659.6
140.7
149.3
153.2
182.1
625.3
145.0
153.7
174.1
191.1
663.9
150.6
171.2
174.8
250.4
747.0
150.9
162.4
174.2
487.5
Write-offs / Loan Sales
Other Operating Expenses
24.7
16.7
19.8
23.5
84.7
23.2
21.8
18.5
38.7
102.1
23.9
24.6
26.8
26.8
102.1
24.1
26.2
33.3
31.2
114.9
27.0
28.9
24.2
33.3
113.4
27.8
38.7
28.3
39.2
134.0
28.0
32.7
33.1
47.3
141.1
29.5
43.5
57.7
43.7
174.4
30.1
33.9
31.9
34.5
130.4
33.8
32.7
36.2
34.5
137.2
35.1
35.5
36.2
106.8
PF / Credit Card
Operating Income
116.7
104.9
108.2
50.4
380.2
99.2
75.8
118.5
43.1
336.6
76.7
95.9
105.0
46.1
323.7
119.5
109.6
52.6
11.1
292.8
109.9
98.7
86.4
44.7
339.7
118.6
107.0
117.2
43.5
386.3
124.6
137.6
105.1
-45.7
321.6
115.0
116.8
72.8
63.6
368.2
100.0
77.7
79.4
46.0
303.1
117.4
139.5
119.9
50.1
426.9
146.4
132.0
148.1
426.5
Securities Held
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_NII
DGB Daegu Bank Net Interest Income
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
FY 2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
YTD
Interest Revenues
425.9
427.7
426.7
418.5
1,698.8
406.9
411.2
412.4
415.1
1,645.6
405.2
413.4
420.4
415.4
1,654.4
402.4
392.5
385.4
381.5
1,561.8
377.7
375.2
373.4
376.9
1,503.2
377.1
388.3
394.9
403.6
1,563.9
419.8
429.0
435.8
431.9
1,716.5
436.2
441.8
441.1
432.4
1,751.5
423.4
406.7
387.5
386.2
1,603.8
381.9
394.9
408.2
432.1
1,617.1
451.4
497.3
573.1
1,521.8
DGB Financial Group
Cash & Due
4.7
5.5
4.6
1.6
16.4
0.5
0.6
0.8
0.9
2.8
1.3
1.3
1.5
1.0
5.1
0.6
1.0
0.9
0.9
3.4
1.0
1.5
1.3
1.0
4.8
1.1
1.4
1.2
1.1
4.8
1.1
1.5
1.3
1.3
5.2
1.5
1.7
1.2
1.3
5.7
1.8
1.1
0.7
0.8
4.4
0.5
0.6
0.7
1.2
3.0
1.6
2.2
1.9
5.7
Securities
66.1
65.0
67.2
67.3
265.6
67.0
67.8
68.4
67.5
270.7
65.1
63.7
63.5
62.1
254.4
60.4
57.7
53.1
51.6
222.8
50.3
45.8
44.2
44.0
184.3
44.3
43.2
42.8
42.4
172.7
45.3
44.2
44.5
30.0
164.0
39.4
39.3
37.5
35.5
151.7
33.5
31.4
29.6
28.4
122.9
27.1
27.3
29.0
28.5
111.9
29.8
33.4
33.1
96.3
DGB Daegu Bank
Loans
310.2
313.3
313.1
310.2
1,246.8
300.6
304.7
304.9
309.1
1,219.3
302.5
311.6
319.5
315.5
1,249.1
306.6
298.6
296.6
294.2
1,196.0
293.1
294.4
291.3
295.6
1,174.4
297.1
307.2
315.0
325.7
1,245.0
337.9
344.9
353.3
362.7
1,398.8
359.0
363.9
364.3
357.9
1,445.1
353.5
343.1
327.0
327.9
1,351.5
331.6
342.8
354.8
376.5
1,405.7
396.7
434.1
508.2
1,339.0
Condensed BS
Others
44.9
43.9
41.8
39.4
170.0
38.8
38.1
38.3
37.6
152.8
36.3
36.8
35.9
36.8
145.8
34.8
35.2
34.8
34.8
139.6
33.3
33.5
36.6
36.3
139.7
34.6
36.5
35.9
34.4
141.4
35.5
38.4
36.7
37.9
148.5
36.3
36.9
38.1
37.7
149.0
34.6
31.1
30.2
29.1
125.0
22.7
24.2
23.7
25.9
96.5
23.3
27.6
29.9
80.8
Condensed IS
Interest Expenses
192.4
198.6
200.5
189.0
780.5
183.5
182.9
180.9
175.1
722.4
164.5
162.6
168.0
164.7
659.9
155.3
148.0
140.9
133.6
577.8
128.6
125.0
118.5
115.6
487.7
113.4
116.4
117.3
121.4
468.5
128.4
137.2
141.9
146.1
553.6
150.6
154.3
155.6
151.4
611.9
146.5
131.0
110.4
101.6
489.5
94.0
93.6
97.9
108.1
393.6
128.6
151.1
196.5
476.2
NIM / NIS
Deposits
139.7
145.8
146.5
140.9
572.9
135.6
136.5
131.6
126.9
530.6
125.3
128.2
132.7
129.6
515.8
122.4
119.1
110.6
102.8
454.9
98.4
95.0
89.5
86.5
369.4
85.3
87.7
89.3
93.3
355.6
98.2
104.9
110.4
116.6
430.1
120.6
122.5
125.2
120.9
489.2
116.8
102.4
85.5
77.4
382.1
70.1
70.4
73.2
82.7
296.4
98.3
116.6
153.5
368.4
Operating Income
Borrowings
20.4
19.5
21.7
17.8
79.4
16.1
14.4
15.6
15.9
62.0
14.0
14.1
13.9
13.5
55.5
11.8
12.0
11.8
11.8
47.4
11.6
11.0
10.2
9.5
42.3
10.0
11.2
11.2
11.1
43.5
13.7
15.1
14.4
13.9
57.1
14.0
15.4
14.5
14.2
58.1
12.8
10.9
9.0
8.3
41.0
8.0
8.3
8.6
9.1
34.0
10.6
14.1
21.0
45.7
Net Interest Income
Debentures
29.1
29.1
28.9
29.5
116.6
28.6
29.9
30.3
29.5
118.3
21.4
18.4
18.9
18.4
77.1
18.1
16.3
16.1
16.7
67.2
16.9
16.9
16.5
18.4
68.7
15.6
15.4
15.1
14.6
60.7
14.3
14.7
14.4
14.8
58.2
12.6
13.0
13.7
13.7
53.0
13.7
15.0
14.0
13.9
56.6
14.2
13.6
14.6
14.6
57.0
17.3
18.8
19.3
55.4
Non Interest Income
Others
3.2
4.2
3.4
0.8
11.6
3.2
2.1
3.4
2.8
11.5
3.8
1.9
2.5
3.2
11.5
3.0
0.6
2.4
2.3
8.3
1.7
2.1
2.3
1.2
7.3
2.5
2.1
1.7
2.4
8.7
2.2
2.5
2.7
0.8
8.2
3.4
3.4
2.2
2.6
11.6
3.2
2.7
1.9
2.0
9.8
1.7
1.3
1.5
1.7
6.2
2.4
1.6
2.7
6.7
Collateral Type
Net Interest Income
233.5
229.1
226.2
229.5
918.3
223.4
228.3
231.5
240.0
923.2
240.7
250.8
252.4
250.7
994.5
247.1
244.5
244.5
247.9
984.0
249.1
250.2
254.9
261.3
1,015.5
263.7
271.9
277.6
282.2
1,095.4
291.5
291.7
293.9
285.8
1,162.9
285.6
287.5
285.5
281.0
1,139.6
276.9
275.7
277.1
284.6
1,114.3
287.9
301.3
310.3
324.0
1,223.5
322.8
346.2
376.6
1,045.6
Loans Portfolio
Asset Quality
Delinquency
Provision for loan loss
Write-offs / Loan Sales
PF / Credit Card
Securities Held
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_Non
DGB Daegu Bank Non Interest Income
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
FY 2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
YTD
Fees & Commission (A)
18.4
17.1
19.4
18.5
73.4
18.8
17.1
17.3
18.9
72.1
18.1
17.5
17.6
17.2
70.4
20.5
20.6
18.0
16.8
75.9
21.2
17.3
17.7
16.3
72.5
23.4
15.8
17.4
18.1
74.7
21.3
19.6
21.3
14.1
76.3
21.4
26.3
18.5
20.2
86.4
23.8
23.5
26.0
25.3
98.6
33.5
34.0
26.3
20.4
114.2
23.9
26.2
19.7
69.8
DGB Financial Group
Fees in Won
14.2
12.9
15.3
14.5
56.9
14.7
12.7
13.1
14.7
55.2
13.8
12.9
13.2
13.3
53.2
16.0
15.9
13.5
12.1
57.5
16.0
12.3
12.5
11.5
52.3
17.9
10.3
11.7
12.6
52.5
14.9
12.8
15.0
8.8
51.5
15.2
19.4
11.9
14.5
61.0
17.3
17.6
20.0
21.1
76.0
27.8
27.1
19.7
14.2
88.8
17.0
19.7
12.6
49.3
(Bancassurance)
6.7
6.2
6.9
5.8
25.6
6.6
5.5
5.6
5.5
23.2
5.6
5.5
5.4
6.1
22.6
6.1
5.0
4.8
4.2
20.1
4.5
4.3
4.5
4.1
17.4
4.7
4.5
4.2
4.0
17.4
4.1
4.3
4.1
3.8
16.3
3.9
3.9
4.1
4.0
15.9
3.9
3.9
4.9
4.2
16.9
3.8
3.8
3.9
3.6
15.1
3.7
4.2
4.8
12.7
DGB Daegu Bank
(Mutual Funds)
4.5
4.1
3.9
4.0
16.5
4.0
4.2
4.1
3.9
16.2
4.1
3.9
4.3
4.1
16.4
3.9
3.7
3.2
3.0
13.8
2.9
2.8
2.7
2.8
11.2
2.9
3.2
3.1
3.0
12.2
3.2
2.7
2.1
2.0
10.0
2.0
2.4
2.3
2.2
8.9
2.8
2.2
2.5
2.6
10.1
3.0
2.5
2.4
1.9
9.8
1.8
1.5
1.4
4.7
Condensed BS
Fees in Foreign Currency
1.4
1.5
1.4
1.4
5.7
1.2
1.3
1.2
1.3
5.0
1.3
1.4
1.3
1.1
5.1
1.3
1.3
1.2
1.1
4.9
1.2
1.2
1.3
1.1
4.8
1.3
1.3
1.1
1.3
5.0
1.0
1.3
1.5
1.1
4.9
1.4
1.5
1.4
1.2
5.5
1.7
1.2
1.4
-0.1
4.2
0.7
1.9
1.6
1.7
5.9
1.8
2.2
1.8
5.8
Condensed IS
Guarantee
1.0
1.0
1.1
1.0
4.1
1.0
1.1
1.0
1.0
4.1
1.0
0.9
1.0
1.0
3.9
1.0
1.1
1.1
0.9
4.1
1.0
1.0
1.0
1.1
4.1
1.1
1.1
1.2
1.2
4.6
1.3
1.3
1.3
1.3
5.2
1.2
1.3
1.5
1.2
5.2
1.3
1.2
1.4
1.2
5.1
1.4
1.6
1.5
1.4
5.9
1.7
1.2
1.6
4.5
NIM / NIS
Trust
1.8
1.7
1.6
1.6
6.7
1.9
2.0
2.0
1.9
7.8
2.0
2.3
2.1
1.8
8.2
2.2
2.4
2.2
2.6
9.4
3.0
2.8
2.9
2.6
11.3
3.1
3.1
3.4
3.0
12.6
4.1
4.2
3.5
2.9
14.7
3.6
4.1
3.7
3.3
14.7
3.5
3.5
3.2
3.1
13.3
3.6
3.4
3.5
3.1
13.6
3.4
3.1
3.7
10.2
Operating Income
Other Non-Int. Income (B)
15.9
-8.3
-2.5
-27.8
-22.7
0.3
-9.5
-7.1
-14.7
-31.0
-22.7
-20.5
1.4
-12.6
-54.4
4.3
15.1
-23.9
-22.7
-27.2
15.9
-4.6
-11.9
-18.4
-19.0
-1.2
-17.3
-6.5
-26.0
-51.0
-17.8
-21.5
-18.1
-40.4
-97.8
-10.7
-11.3
-43.9
-30.9
-96.8
-13.6
1.8
-1.5
-5.8
-19.1
-22.0
-4.2
-15.9
6.1
-36.0
-7.1
-35.3
-29.5
-71.9
Net Interest Income
Trading
14.3
3.0
12.6
-12.5
17.4
16.1
2.3
12.1
0.7
31.2
-8.6
-2.9
20.7
6.7
15.9
26.4
32.1
2.5
1.8
62.8
27.6
11.4
10.1
-5.6
43.5
12.0
16.0
16.2
3.8
48.0
3.6
-2.0
7.0
0.2
8.8
10.7
18.4
9.0
5.1
43.2
11.7
23.1
12.9
8.7
56.4
9.7
11.7
15.6
16.5
53.5
25.0
-11.7
-2.0
11.3
Non Interest Income
FX & Derivatives
4.7
8.5
5.0
6.4
24.6
4.6
3.9
2.5
4.1
15.1
7.2
4.9
1.6
3.9
17.6
1.8
1.9
-4.2
4.1
3.6
2.9
2.3
4.7
3.5
13.4
5.0
2.9
4.6
5.7
18.3
5.7
2.4
3.3
4.6
16.0
4.8
4.7
3.4
5.9
18.8
4.8
3.4
5.3
8.1
21.6
1.9
5.6
2.5
4.0
14.0
3.0
-1.4
-1.4
0.2
Collateral Type
Loan Sales
16.0
0.0
0.0
-1.3
14.7
0.0
5.0
0.0
3.2
8.2
0.4
0.0
2.4
-0.8
2.0
0.0
6.1
3.9
-2.8
7.2
11.1
7.7
0.0
10.5
29.3
8.0
-9.5
0.0
-8.4
-9.9
0.3
5.7
-0.6
-17.3
-11.9
1.7
-6.5
-27.5
-12.6
-44.9
0.0
5.9
12.2
10.9
29.0
0.0
10.9
0.0
20.1
31.0
0.0
13.2
9.9
23.1
Loans Portfolio
Others (-)
19.1
19.8
20.1
20.4
79.4
20.4
20.7
21.7
22.7
85.5
21.7
22.5
23.3
22.4
89.9
23.9
25.0
26.1
25.8
100.8
25.7
26.0
26.7
26.8
105.2
26.3
26.7
27.3
27.1
107.4
27.4
27.6
27.7
28.0
110.7
27.9
27.9
28.8
29.3
113.9
30.1
30.6
31.9
33.5
126.1
33.6
32.4
34.0
34.5
134.5
35.1
35.4
36.0
106.5
Asset Quality
(Credit Guarantee Fee)
10.8
11.1
11.4
11.6
44.9
11.4
11.8
12.3
13.0
48.5
11.6
12.8
13.0
11.7
49.1
12.9
13.4
13.8
13.9
54.0
13.6
13.6
13.9
13.9
55.1
13.5
14.0
14.6
14.3
56.4
14.1
14.6
14.8
15.0
58.5
14.6
14.9
15.5
16.2
61.2
16.1
16.8
17.3
18.8
69.0
18.2
18.7
18.9
19.5
75.3
19.2
20.0
20.5
59.7
Delinquency
(Deposit Insurance Fee)
8.1
8.4
8.6
8.6
33.7
8.8
8.9
9.3
9.6
36.6
9.9
9.8
10.3
10.6
40.6
10.9
11.6
12.1
12.0
46.6
12.1
12.3
12.8
12.7
49.9
12.7
12.7
12.7
12.9
51.0
12.8
12.9
13.0
13.0
51.7
13.0
13.1
13.1
13.3
52.5
13.5
14.0
14.5
14.8
56.8
15.0
14.0
15.0
15.1
59.1
15.1
15.3
15.3
45.7
Provision for loan loss
Non-Int. Income (A+B)
34.3
8.8
16.9
-9.3
50.7
19.1
7.6
10.2
4.2
41.1
-4.6
-3.0
19.0
4.6
16.0
24.8
35.7
-5.9
-5.9
48.7
37.1
12.7
5.8
-2.1
53.5
22.2
-1.5
10.9
-7.9
23.7
3.5
-1.9
3.2
-26.3
-21.5
10.7
15.0
-25.4
-10.7
-10.4
10.2
25.3
24.5
19.5
79.5
11.5
29.8
10.4
26.5
78.2
16.8
-9.1
-9.8
-2.1
Write-offs / Loan Sales
PF / Credit Card
Securities Held
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_Collateral
DGB Daegu Bank Collateral Type
Back to Home
Total, (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
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
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.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Real Estate
10,957.4
53.2
11,192.6
53.1
11,397.5
52.6
11,615.6
52.9
11,890.1
52.1
12,431.4
52.7
12,785.3
53.1
13,078.9
53.9
13,338.2
53.3
13,861.2
53.1
14,522.3
53.6
15,182.4
54.1
15,771.3
54.2
16,045.8
53.8
16,359.8
54.0
16,941.2
54.6
17,095.3
53.9
17,133.8
53.7
17,389.0
53.9
17,816.8
55.0
18,013.5
54.0
18,236.7
54.1
18,504.4
54.4
18,703.9
54.2
18,795.2
54.1
18,893.0
54.4
18,956.2
54.0
19,097.5
53.8
19,314.0
54.0
19,792.8
53.6
20,377.5
54.1
21,775.6
55.2
22,997.7
55.6
23,006.1
54.9
23,251.3
54.5
24,007.8
54.4
24,694.3
53.8
25,359.5
53.8
25,743.4
53.9
26,107.2
54.5
26,097.0
54.8
26,613.0
54.4
27,149.7
54.6
DGB Financial Group
Securities
577.6
2.8
578.4
2.7
553.1
2.6
624.9
2.8
537.7
2.4
527.3
2.2
531.5
2.2
524.1
2.2
496.1
2.0
591.5
2.3
622.9
2.3
697.1
2.5
679.4
2.3
758.2
2.5
714.8
2.4
775.2
2.5
703.9
2.2
747.0
2.3
771.4
2.4
905.4
2.8
969.0
2.9
1,026.0
3.0
961.8
2.8
996.6
2.9
877.9
2.5
782.0
2.3
743.6
2.1
774.3
2.2
805.0
2.2
869.5
2.4
981.4
2.6
1,301.8
3.3
1,349.4
3.3
1,225.7
2.9
1,312.6
3.1
1,412.7
3.2
1,536.3
3.3
1,670.0
3.5
1,826.6
3.8
1,929.4
4.0
1,960.5
4.1
2,220.8
4.5
2,378.5
4.8
Letter of Guarantee
1,815.7
8.8
1,851.2
8.8
1,884.7
8.7
1,908.6
8.7
1,955.7
8.6
2,046.3
8.7
2,059.2
8.6
2,096.1
8.6
2,218.3
8.9
2,438.9
9.3
2,631.9
9.8
2,842.0
10.1
3,115.7
10.7
3,334.9
11.2
3,532.6
11.7
3,600.8
11.6
3,908.1
12.3
4,074.4
12.8
4,199.5
13.0
4,029.6
12.4
4,186.8
12.6
4,472.5
13.3
4,811.7
14.1
5,291.4
15.3
5,617.1
16.2
5,710.7
16.4
5,928.2
16.9
6,171.1
17.4
6,187.5
17.3
6,603.9
17.9
6,742.8
17.9
6,852.4
17.4
7,301.0
17.6
8,025.8
19.1
8,295.6
19.4
8,752.8
19.8
9,216.3
20.2
9,276.9
19.7
9,454.7
19.8
9,251.6
19.3
8,769.1
18.4
8,815.3
18.0
9,022.3
18.2
DGB Daegu Bank
Sub-total
13,350.7
64.8
13,622.2
64.6
13,835.3
63.9
14,149.1
64.4
14,383.5
63.1
15,005.0
63.6
15,376.0
63.8
15,699.1
64.7
16,052.6
64.2
16,891.6
64.7
17,777.1
65.7
18,721.5
66.7
19,566.4
67.2
20,138.9
67.6
20,607.2
68.1
21,317.2
68.7
21,707.3
68.4
21,955.2
68.8
22,359.9
69.3
22,751.8
70.2
23,169.3
69.5
23,735.2
70.4
24,277.9
71.4
24,991.9
72.4
25,290.2
72.9
25,385.7
73.1
25,628.0
73.0
26,042.9
73.4
26,306.5
73.5
27,266.2
73.9
28,101.7
74.6
29,929.8
75.9
31,648.1
76.5
32,257.6
76.9
32,859.5
77.0
34,173.3
77.4
35,446.9
77.3
36,306.4
77.1
37,024.7
77.5
37,288.2
77.8
36,826.6
77.3
37,649.1
77.0
38,550.5
77.6
Condensed BS
Unsecured
7,263.9
35.2
7,469.3
35.4
7,819.4
36.1
7,819.9
35.6
8,403.2
36.9
8,580.3
36.4
8,705.6
36.2
8,580.9
35.3
8,953.4
35.8
9,218.7
35.3
9,294.6
34.3
9,349.3
33.3
9,556.4
32.8
9,672.4
32.4
9,712.7
31.9
9,696.4
31.3
10,005.4
31.6
9,976.7
31.2
9,890.5
30.7
9,658.7
29.8
10,169.9
30.5
9,975.1
29.6
9,746.0
28.6
9,521.2
27.6
9,424.9
27.1
9,331.4
26.9
9,457.0
27.0
9,423.1
26.6
9,489.5
26.5
9,639.6
26.1
9,581.2
25.4
9,477.8
24.1
9,739.7
23.5
9,671.6
23.1
9,809.0
23.0
9,993.2
22.6
10,413.6
22.7
10,812.4
22.9
10,742.8
22.5
10,624.7
22.2
10,790.5
22.7
11,238.1
23.0
11,136.8
22.4
Condensed IS
Total
20,614.6
100.0
21,091.5
100.0
21,654.7
100.0
21,969.0
100.0
22,786.7
100.0
23,585.3
100.0
24,081.6
100.0
24,280.0
100.0
25,006.0
100.0
26,110.3
100.0
27,071.7
100.0
28,070.8
100.0
29,122.8
100.0
29,811.3
100.0
30,319.9
100.0
31,013.6
100.0
31,712.7
100.0
31,931.9
100.0
32,250.4
100.0
32,410.5
100.0
33,339.2
100.0
33,710.3
100.0
34,023.9
100.0
34,513.1
100.0
34,715.1
100.0
34,717.1
100.0
35,085.0
100.0
35,466.0
100.0
35,796.0
100.0
36,905.8
100.0
37,682.9
100.0
39,407.6
100.0
41,387.8
100.0
41,929.2
100.0
42,668.5
100.0
44,166.5
100.0
45,860.5
100.0
47,118.8
100.0
47,767.5
100.0
47,912.9
100.0
47,617.1
100.0
48,887.2
100.0
49,687.3
100.0
NIM / NIS
▪ Loan in won basis
Operating Income
Corporate Loan, (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
3Q21
4Q21
1Q22
2Q22
3Q22
Net Interest Income
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.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Non Interest Income
Real Estate
6,596.3
46.1
6,853.5
47.2
7,118.7
47.0
7,320.9
48.4
7,690.8
48.5
8,008.5
48.4
8,292.7
48.6
8,499.8
49.7
8,802.2
49.1
9,311.9
49.7
9,704.2
49.7
9,984.5
50.0
10,356.2
50.1
10,705.9
50.6
10,867.6
50.5
11,195.1
51.3
11,365.9
51.0
11,403.7
50.7
11,616.5
50.7
11,851.7
51.6
12,100.1
51.1
12,353.7
51.9
12,614.5
52.6
12,813.0
52.7
12,996.7
53.6
13,198.1
54.5
13,344.3
54.0
13,554.6
54.9
13,863.2
55.0
14,327.1
55.0
14,760.3
55.7
15,185.4
56.0
15,482.1
56.0
15,426.0
55.4
15,465.0
55.1
15,622.9
55.0
16,020.9
54.0
16,399.1
54.0
16,711.3
54.1
16,934.9
54.4
17,030.1
54.5
17,116.9
53.4
17,186.0
53.3
Collateral Type
Securities
380.5
2.7
395.2
2.7
365.5
2.4
421.2
2.8
337.3
2.1
328.6
2.0
351.4
2.1
318.8
1.9
310.4
1.7
399.8
2.1
427.0
2.2
455.3
2.3
468.1
2.3
560.4
2.6
518.5
2.4
556.7
2.5
500.5
2.2
523.5
2.3
563.6
2.5
679.1
3.0
758.6
3.2
783.2
3.3
726.7
3.0
758.0
3.1
662.9
2.7
570.9
2.4
552.0
2.2
571.7
2.3
617.2
2.5
684.8
2.6
777.0
2.9
1,079.8
4.0
1,144.0
4.1
1,023.7
3.7
1,109.9
4.0
1,199.5
4.2
1,329.3
4.5
1,468.0
4.8
1,625.6
5.3
1,728.0
5.6
1,764.1
5.6
2,028.9
6.3
2,197.1
6.8
Loans Portfolio
Letter of Guarantee
1,735.3
12.2
1,735.0
11.9
1,716.1
11.3
1,687.3
11.1
1,698.4
10.7
1,760.0
10.6
1,759.6
10.3
1,731.5
10.1
1,803.9
10.1
1,897.3
10.1
1,973.8
10.1
1,970.8
9.8
2,012.5
9.7
2,100.4
9.9
2,124.5
9.9
2,082.0
9.6
2,254.5
10.1
2,451.4
10.9
2,538.6
11.1
2,508.3
10.9
2,594.8
11.0
2,669.4
11.2
2,644.2
11.0
2,963.4
12.2
2,891.6
11.9
2,850.5
11.8
3,141.6
12.7
3,022.4
12.2
3,016.8
12.0
3,254.1
12.5
3,274.8
12.3
3,328.8
12.2
3,272.2
11.8
3,760.9
13.5
3,825.3
13.7
3,933.2
13.9
4,394.0
14.8
4,325.5
14.2
4,489.6
14.5
4,422.8
14.2
4,350.6
13.9
4,334.5
13.5
4,358.7
13.5
Asset Quality
Sub-total
8,712.1
61.0
8,983.7
61.8
9,200.3
60.8
9,429.4
62.3
9,726.5
61.3
10,097.1
61.0
10,403.7
61.0
10,550.1
61.7
10,916.5
60.9
11,609.0
62.0
12,105.0
62.0
12,410.6
62.1
12,836.8
62.1
13,366.7
63.1
13,510.6
62.8
13,833.8
63.4
14,120.9
63.4
14,378.6
63.9
14,718.7
64.3
15,039.1
65.5
15,453.5
65.3
15,806.3
66.4
15,985.4
66.6
16,534.4
68.0
16,551.2
68.3
16,619.5
68.7
17,037.9
68.9
17,148.7
69.4
17,497.2
69.5
18,266.0
70.1
18,812.1
70.9
19,594.0
72.2
19,898.3
71.9
20,210.6
72.6
20,400.2
72.8
20,755.6
73.1
21,744.2
73.3
22,192.6
73.1
22,826.5
73.9
23,085.7
74.2
23,144.8
74.0
23,480.3
73.2
23,741.8
73.6
Delinquency
Unsecured
5,558.7
39.0
5,561.3
38.2
5,942.4
39.2
5,708.1
37.7
6,141.1
38.7
6,466.1
39.0
6,652.3
39.0
6,560.7
38.3
7,020.0
39.1
7,110.0
38.0
7,424.7
38.0
7,560.6
37.9
7,820.8
37.9
7,811.2
36.9
8,016.2
37.2
7,999.5
36.6
8,167.7
36.6
8,106.9
36.1
8,172.7
35.7
7,929.7
34.5
8,214.2
34.7
8,013.9
33.6
8,002.9
33.4
7,769.9
32.0
7,698.4
31.7
7,580.5
31.3
7,684.5
31.1
7,578.9
30.6
7,662.2
30.5
7,791.3
29.9
7,707.0
29.1
7,539.7
27.8
7,772.4
28.1
7,631.9
27.4
7,615.8
27.2
7,629.2
26.9
7,926.7
26.7
8,184.4
26.9
8,054.0
26.1
8,017.5
25.8
8,129.2
26.0
8,597.4
26.8
8,528.7
26.4
Provision for loan loss
Total
14,270.8
100.0
14,545.0
100.0
15,142.7
100.0
15,137.5
100.0
15,867.6
100.0
16,563.2
100.0
17,056.0
100.0
17,110.8
100.0
17,936.5
100.0
18,719.0
100.0
19,529.7
100.0
19,971.2
100.0
20,657.6
100.0
21,177.9
100.0
21,526.8
100.0
21,833.3
100.0
22,288.6
100.0
22,485.5
100.0
22,891.4
100.0
22,968.8
100.0
23,667.7
100.0
23,820.2
100.0
23,988.3
100.0
24,304.3
100.0
24,249.6
100.0
24,200.0
100.0
24,722.4
100.0
24,727.6
100.0
25,159.4
100.0
26,057.3
100.0
26,519.1
100.0
27,133.7
100.0
27,670.7
100.0
27,842.5
100.0
28,016.0
100.0
28,384.8
100.0
29,670.9
100.0
30,377.0
100.0
30,880.5
100.0
31,103.2
100.0
31,274.0
100.0
32,077.7
100.0
32,270.5
100.0
Write-offs / Loan Sales
▪ Loan in won basis
PF / Credit Card
Household Loan, (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
3Q21
4Q21
1Q22
2Q22
3Q22
Securities Held
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.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Real Estate
4,228.6
71.5
4,198.5
70.0
4,121.0
68.3
4,139.5
65.4
4,028.5
64.1
4,234.1
66.4
4,301.3
66.0
4,379.9
65.9
4,333.8
66.4
4,319.3
64.5
4,582.1
65.8
4,960.1
66.3
5,167.2
66.1
5,085.5
64.7
5,245.6
64.0
5,498.1
64.1
5,484.8
63.2
5,488.4
63.2
5,529.7
63.2
5,709.2
64.7
5,662.8
64.3
5,635.7
62.6
5,647.6
60.2
5,620.4
58.9
5,528.4
56.5
5,426.6
55.2
5,366.6
55.5
5,287.4
53.0
5,198.6
52.7
5,194.2
51.8
5,312.7
51.5
6,247.9
55.0
7,142.3
56.1
7,209.6
55.2
7,400.5
54.5
7,978.1
54.2
8,268.6
54.7
8,544.8
54.5
8,622.2
54.2
8,754.4
55.0
8,661.0
56.5
9,078.5
57.4
9,546.1
58.2
Hi Investment & Securities
Mortgage
3,223.5
54.5
3,209.0
53.5
3,148.3
52.2
3,161.8
50.0
3,073.7
48.9
3,264.4
51.2
3,330.9
51.1
3,409.2
51.3
3,389.2
51.9
3,392.0
50.7
3,633.9
52.2
3,985.5
53.3
4,200.6
53.7
4,110.4
52.3
4,258.8
52.0
4,488.8
52.3
4,491.1
51.8
4,508.9
52.0
4,554.7
52.1
4,711.0
53.4
4,679.3
53.2
4,645.2
51.6
4,644.8
49.5
4,599.3
48.2
4,523.3
46.2
4,442.1
45.2
4,381.1
45.3
4,315.0
43.2
4,251.9
43.1
4,256.3
42.3
4,370.4
42.4
5,297.6
46.6
6,197.8
48.7
6,293.8
48.2
6,497.8
47.8
7,081.3
48.1
7,389.3
48.8
7,683.0
49.0
7,765.8
48.8
7,912.0
49.7
7,853.1
51.2
8,291.6
52.4
8,783.8
53.6
Securities
179.5
3.0
180.6
3.0
181.9
3.0
195.8
3.1
162.7
2.6
172.4
2.7
168.9
2.6
195.5
2.9
173.4
2.7
178.0
2.7
181.9
2.6
211.3
2.8
181.3
2.3
167.8
2.1
166.1
2.0
188.3
2.2
173.2
2.0
189.4
2.2
177.8
2.0
195.9
2.2
179.6
2.0
212.0
2.4
204.1
2.2
208.0
2.2
184.4
1.9
177.7
1.8
161.4
1.7
172.5
1.7
158.1
1.6
154.6
1.5
162.2
1.6
180.9
1.6
164.7
1.3
160.7
1.2
162.3
1.2
172.9
1.2
166.9
1.1
161.9
1.0
161.1
1.0
161.9
1.0
157.2
1.0
152.8
1.0
144.7
0.9
DGB Life
Letter of Guarantee(Jeonse & Intermediate payment)
DGB Daegu Bank Provision / Loan Loss Reserve by Sector
Back to Home
◈ Loan Loss Provision by Sector
Disclaimer
(in bn won), Cumulative
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
Corporate
49.2
70.2
116.8
132.3
20.8
46.3
62.1
117.1
42.5
78.8
116.2
138.8
35.2
80.9
135.4
181.0
57.1
87.4
127.7
162.9
40.0
72.7
102.6
134.9
38.7
45.6
89.0
139.7
37.4
70.3
95.9
113.3
34.8
88.7
122.3
176.5
23.8
34.3
43.7
82.0
21.9
48.8
74.0
Household
2.8
5.4
8.3
12.6
3.9
13.2
22.6
24.3
2.6
6.3
10.7
19.1
4.8
6.4
8.3
9.9
2.3
4.5
7.2
9.8
4.3
7.4
10.4
13.2
3.4
6.8
11.1
13.4
2.9
8.4
14.3
19.5
6.7
16.6
27.2
36.4
6.3
15.8
27.4
37.5
19.9
30.3
44.5
DGB Daegu Bank
Credit Card
1.2
4.3
7.0
9.2
2.2
5.1
6.4
5.9
1.5
3.3
4.4
6.4
1.0
2.5
3.7
4.8
0.5
2.2
4.5
6.6
1.8
3.9
5.9
7.6
2.4
4.3
7.0
10.2
2.2
4.3
6.7
9.2
0.9
4.2
7.4
9.2
1.7
2.9
4.7
5.8
2.7
5.3
7.2
Condensed BS
Total LLP
53.2
79.9
132.1
154.1
26.9
64.6
91.1
147.3
46.6
88.4
131.3
164.3
41.0
89.8
147.4
195.7
59.9
94.1
139.4
179.3
46.1
84.0
118.9
155.7
44.5
56.7
107.1
163.3
42.5
83.0
116.9
142.0
42.4
109.5
156.9
222.1
31.8
53.0
75.8
125.3
44.5
84.4
125.7
Condensed IS
Credit Cost Ratio(%)_Annualized
0.65
0.57
0.55
0.60
0.52
0.43
0.44
0.35
0.40
0.51
0.47
0.49
0.27
0.22
0.21
0.25
0.37
0.34
0.33
NIM / NIS
Operating Income
◈ Loan Loss Reserve by Sector
Net Interest Income
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Non Interest Income
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
3Q21
4Q21
1Q22
2Q22
3Q22
Collateral Type
Corporate
337.1
275.5
271.8
262.1
266.5
276.8
291.6
274.7
298.2
296.1
304.7
315.3
329.9
343.3
333.6
410.7
426.5
411.3
413.6
404.1
390.0
412.3
389.1
385.4
377.2
336.0
362.4
373.8
396.4
396.4
391.1
391.0
424.0
403.0
412.7
367.6
394.2
377.0
387.1
410.5
421.2
418.6
413.0
Loans Portfolio
(excluding policy reserve)
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
220.3
210.8
222.1
205.4
210.8
220.8
195.3
214.0
259.1
251.1
246.5
243.3
243.6
262.0
258.6
266.9
249.0
255.9
235.8
233.8
252.6
259.2
276.3
278.9
Asset Quality
Household
71.7
72.8
72.5
74.9
76.3
77.9
81.7
76.6
77.8
77.1
81.1
86.9
90.3
90.0
92.4
96.4
97.6
97.4
98.4
102.1
100.6
102.9
107.2
108.2
111.9
113.4
110.8
114.2
112.2
116.9
116.6
129.6
147.3
149.3
157.8
169.4
169.0
173.4
179.0
179.9
177.4
191.0
193.5
Delinquency
(excluding policy reserve)
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
21.4
21.0
21.4
21.6
21.2
21.9
22.0
21.7
21.2
21.3
22.5
21.3
24.5
29.2
33.4
43.2
48.2
44.8
46.9
52.7
53.1
65.0
77.0
76.0
Provision for loan loss
Credit Card
15.3
14.8
14.8
14.6
14.9
13.5
11.8
11.6
12.4
10.8
11.3
11.6
11.2
11.3
10.4
10.9
10.8
11.4
11.9
11.8
12.0
12.4
12.3
12.2
13.6
13.7
14.5
15.3
15.1
15.2
14.9
15.4
15.1
16.0
16.8
17.1
16.9
16.5
16.9
16.4
17.7
21.0
19.9
Write-offs / Loan Sales
(excluding policy reserve)
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
7.2
7.4
7.6
7.8
7.6
10.7
10.7
11.3
12.4
11.9
12.0
11.9
12.2
10.9
12.3
13.3
13.9
13.9
13.9
14.3
14.1
15.6
18.5
17.9
PF / Credit Card
Total
424.1
363.1
359.1
351.6
357.7
368.2
385.1
362.9
388.4
384.0
397.1
413.8
431.4
444.6
436.4
518.0
534.9
520.1
523.9
518.0
502.6
527.6
508.6
505.8
502.7
463.1
487.7
503.3
523.7
528.5
522.6
536.0
586.4
568.3
587.3
554.1
580.1
566.9
583.0
606.8
616.3
630.6
626.4
Securities Held
(excluding policy reserve)
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
248.9
239.2
251.1
234.8
239.6
253.4
228.0
247.0
292.7
284.3
281.0
276.5
280.3
302.1
304.3
323.4
311.1
314.6
296.6
300.8
319.8
339.8
371.8
372.8
▪ Loan Loss Reserve for NPL Coverage Ratio
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_Write-offs
DGB Daegu Bank Write-offs & Loan Sales
Back to Home
◈ Loan Sales & Write-offs by Sector
Disclaimer
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
0.0
54.4
0.0
42.2
27.9
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
22.7
23.9
27.9
0.0
33.2
DGB Daegu Bank
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
14.2
11.1
16.8
0.0
13.6
Condensed BS
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
6.9
11.1
9.5
0.0
16.6
Condensed IS
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
1.6
1.7
1.6
0.0
3.0
NIM / NIS
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
22.7
78.3
27.9
42.2
61.1
Operating Income
Net Interest Income
Non Interest Income
Collateral Type
Loans Portfolio
Asset Quality
Delinquency
Provision for loan loss
Write-offs / Loan Sales
PF / Credit Card
Securities Held
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
B_PF
DGB Daegu Bank PF / Credit Card
Back to Home
◈ PF Loans(Acceptance Financing excluded)
Disclaimer
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
489.3
458.0
440.7
436.0
427.5
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
2,462.9
2,471.6
2,262.6
2,374.2
2,426.6
DGB Daegu Bank
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
2,317.1
2,198.1
2,037.9
2,107.6
2,053.0
Condensed BS
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
145.8
273.5
224.7
266.6
373.6
Condensed IS
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
2,952.2
2,929.6
2,703.3
2,810.2
2,854.1
NIM / NIS
Operating Income
◈ Credit Card
Net Interest Income
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Non Interest Income
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
3Q21
4Q21
1Q22
2Q22
3Q22
Collateral Type
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
1,801
1,810
1,759
1,774
1,748
Loans Portfolio
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
5,738.8
7,761.7
1,985.6
4,246.6
6,494.8
Asset Quality
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
5,068.7
6,879.1
1,777.4
3,811.9
5,845.1
Delinquency
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
569.9
748.6
176.2
370.0
552.1
Provision for loan loss
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
100.2
134.0
32.0
64.7
97.6
Write-offs / Loan Sales
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
41.5
57.2
13.8
29.0
42.6
PF / Credit Card
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
48.4
66.2
15.1
32.5
49.6
Securities Held
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
2.6
3.4
0.8
1.5
2.3
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
5.3
7.1
1.7
3.3
4.9
Hi Investment & Securities
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
11.3
15.1
4.9
9.9
14.4
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
26.1
34.6
8.7
18.2
28.6
DGB Life
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
405.0
432.0
413.3
441.2
428.9
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
326.8
349.8
337.4
366.8
358.0
DGB Capital
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
18.0
18.3
17.5
17.7
18.0
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
60.2
63.9
58.4
56.7
52.9
Hi Asset Management
Other Subsidiaries
B_Sec.
DGB Daegu Bank Securities Held
Back to Home
(in bn won)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
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
7,656.2
7,703.3
7,744.0
7,703.3
7,543.3
DGB Financial Group
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
2,653.1
2,745.1
2,737.2
2,720.3
2,689.3
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
1,184.4
1,056.0
1,041.3
1,146.3
1,180.8
DGB Daegu Bank
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
1,781.8
1,939.0
1,990.7
1,891.3
1,687.2
Condensed BS
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
1,054.9
1,031.4
1,016.1
1,032.5
1,075.3
Condensed IS
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
138.9
138.2
137.2
125.5
125.2
NIM / NIS
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
843.1
793.6
821.5
787.4
785.5
Operating Income
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
83.0
86.5
114.9
131.6
143.6
Net Interest Income
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
335.4
364.1
396.9
405.4
442.2
Non Interest Income
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
567.9
619.1
723.0
586.8
695.0
Collateral Type
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
5.9
0.0
9.3
0.0
0.0
Loans Portfolio
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
8,648.4
8,773.0
8,988.1
8,827.1
8,824.1
Asset Quality
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
68.2
33.4
32.9
33.2
32.8
Delinquency
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
8,716.6
8,806.4
9,021.0
8,860.3
8,856.9
Provision for loan loss
▪ Others(excluding bond) include mutual fund, ELS, etc.
Write-offs / Loan Sales
PF / Credit Card
Securities Held
Hi Investment & Securities
DGB Life
DGB Capital
Hi Asset Management
Other Subsidiaries
S_BS
Hi Invest. & Sec. Condensed B/S (Separate)
Back to Home
(in bn won), Ending Balance
2017
2018
2019
2020
2021
2022
Disclaimer
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
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
1,158.8
734.0
809.8
1,665.7
1,704.4
DGB Financial Group
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
6,586.8
6,756.0
8,179.7
8,351.1
7,411.7
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
189.5
203.3
201.9
218.3
209.1
DGB Daegu Bank
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
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
84.4
33.8
32.9
62.9
78.4
Hi Investment & Securities
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
3.7
10.7
23.0
23.4
27.0
Condensed BS
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
1,794.9
1,320.0
2,079.9
1,807.1
2,324.7
Condensed IS
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
161.7
163.2
200.3
212.0
225.7
PF / NCR
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
9,979.8
9,221.0
11,527.5
12,340.5
11,981.0
Brokerage / WM
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
683.3
690.0
616.1
634.6
690.4
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
3,801.2
2,196.8
2,902.5
3,821.6
2,709.7
DGB Life
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
3,362.7
4,637.6
5,401.8
5,332.5
5,724.0
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
36.4
23.0
36.9
75.8
113.2
DGB Capital
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
917.5
516.5
1,180.9
1,060.8
1,320.0
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
8,801.1
8,063.9
10,138.2
10,925.3
10,557.3
Hi Asset Management
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
1,178.7
1,157.1
1,389.3
1,415.2
1,423.7
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
9,979.8
9,221.0
11,527.5
12,340.5
11,981.0
Other Subsidiaries
▪ 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
FY 2021
2022
Disclaimer
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
YTD
Disclaimer
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
131.8
127.2
517.8
119.9
125.5
75.2
320.6
DGB Financial Group
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
18.6
17.4
82.4
14.8
12.7
10.8
38.3
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
4.6
3.9
16.8
4.1
3.9
3.6
11.6
DGB Daegu Bank
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
63.9
70.3
271.2
82.0
109.9
45.6
237.5
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
29.5
21.5
91.0
5.2
-17.8
7.9
-4.7
Hi Investment & Securities
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
15.2
14.1
56.4
13.8
16.8
7.3
37.9
Condensed BS
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
70.6
77.9
291.2
69.7
82.8
58.2
210.7
Condensed IS
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
49.6
56.8
203.3
46.3
58.1
34.8
139.2
PF / NCR
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
21.0
21.1
87.9
23.4
24.7
23.4
71.5
Brokerage / WM
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
61.2
49.3
226.6
50.2
42.7
17.0
109.9
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
0.1
1.4
0.4
0.9
-0.8
-0.7
-0.6
DGB Life
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
61.3
50.7
227.0
51.1
41.9
16.3
109.3
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
16.2
13.0
59.6
13.9
11.6
4.0
29.5
DGB Capital
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
45.1
37.7
167.4
37.2
30.3
12.3
79.8
▪ Separate basis
Hi Asset Management
Other Subsidiaries
S_PF&NCR
Hi Invest. & Sec. PF / NCR
Back to Home
◈ PF Exposure
Disclaimer
(in bn won), %
2017
2018
2019
2020
2021
2022
Disclaimer
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
1,289.8
1,437.0
1,469.0
1,297.5
1,357.7
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
1,083.6
1,262.7
1,313.6
1,157.1
1,242.0
DGB Daegu Bank
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
206.2
174.3
155.4
140.4
115.7
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
109.4
124.2
105.7
91.7
95.4
Hi Investment & Securities
Condensed BS
◈ Net Capital Ratio(NCR)
Condensed IS
(in bn won), %, Separate Basis
2017
2018
2019
2020
2021
2022
PF / NCR
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
Brokerage / WM
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
1,075.0
1,039.8
1,177.5
1,203.4
1,160.5
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
345.6
396.5
422.2
469.6
485.2
485.3
DGB Life
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
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
591.3
591.9
538.7
617.5
626.6
589.0
DGB Capital
Hi Asset Management
Other Subsidiaries
S_WM
Hi Invest. & Sec. Brokerage / WM
Back to Home
◈ Average Daily Trading Volume
Disclaimer
(in bn won), %, basis point
2017
2018
2019
2020
2021
2022
Disclaimer
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
289.6
244.2
274.2
249.3
238.5
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
156.7
173.1
120.2
110.8
88.7
DGB Daegu Bank
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
446.3
417.3
394.4
360.1
327.2
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
0.74
0.80
0.85
0.90
1.00
Hi Investment & Securities
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
6.1
5.9
5.6
5.0
4.7
Condensed BS
▪ Brokerage M/S above excludes ELW, ETF, ETN transactions
Condensed IS
PF / NCR
◈ WM Client Assets
Brokerage / WM
(in bn won), Ending Balance
2017
2018
2019
2020
2021
2022
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Life
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
3,504.2
3,440.0
4,072.1
3,952.3
3,929.3
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
9,391.8
8,764.4
8,507.9
7,580.2
7,001.1
DGB Capital
(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
11,001.7
10,334.4
10,683.7
9,687.3
9,152.7
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
12,896.0
12,204.4
12,580.0
11,532.5
10,930.4
Hi Asset Management
Other Subsidiaries
L_BS
DGB Life Condensed B/S
Back to Home
(in bn won), Ending Balance
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
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
5,953.2
5,946.9
5,873.2
5,807.5
5,870.5
5,807.5
5,923.5
5,889.8
5,771.6
5,615.5
DGB Financial Group
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
307.4
333.2
316.1
310.3
338.6
317.1
301.6
293.1
314.8
326.1
315.3
366.5
316.2
358.5
407.9
435.2
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
125.6
122.8
119.1
115.3
110.6
DGB Daegu Bank
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
628.2
726.2
798.1
822.9
865.6
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
6,154.4
6,221.0
6,251.0
6,287.6
6,313.4
6,403.8
6,462.2
6,500.9
6,518.6
6,540.7
6,697.5
6,802.3
6,965.9
7,046.4
7,002.4
6,916.3
Hi Investment & Securities
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
5,547.7
5,524.2
5,542.0
5,566.2
5,700.9
5,629.5
5,675.7
5,671.4
5,662.6
5,594.5
5,601.0
5,567.6
5,559.1
5,541.4
5,521.7
5,477.5
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
335.6
325.6
394.0
318.5
324.1
DGB Life
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
647.3
745.1
811.7
833.7
874.3
Condensed BS
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
5,935.9
5,949.7
5,964.0
5,982.9
6,106.7
6,107.3
6,156.9
6,189.4
6,263.3
6,298.5
6,442.6
6,550.5
6,629.8
6,747.1
6,673.9
6,675.9
Condensed IS
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
173.7
234.6
234.6
290.6
290.6
Key Indicators
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
38.8
77.6
77.6
203.2
203.2
Premium
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
22.1
59.0
62.4
72.2
-15.4
59.8
58.3
62.3
28.1
65.8
67.4
75.2
67.9
81.6
81.2
74.7
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
-35.9
-44.0
-189.5
-341.4
-423.0
DGB Capital
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
218.5
271.3
287.0
304.7
206.8
296.5
305.3
311.6
255.3
242.2
254.9
251.8
336.1
299.3
328.5
240.4
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
6,154.4
6,221.0
6,251.0
6,287.6
6,313.4
6,403.8
6,462.2
6,500.9
6,518.6
6,540.7
6,697.5
6,802.3
6,965.9
7,046.4
7,002.4
6,916.3
Hi Asset Management
(after restatement)
(after restatement)
(after restatement)
(after restatement)
(after restatement)
Other Subsidiaries
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
FY 2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
YTD
Disclaimer
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
21.3
36.2
21.8
97.3
26.2
45.3
0.0
-46.0
25.5
-17.9
3.2
-25.7
-13.2
-53.6
-3.6
-23.8
-57.7
-85.1
DGB Financial Group
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
-69.9
-58.0
-235.2
-59.9
-62.5
-104.9
-227.3
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
178.6
171.0
751.4
173.5
157.5
151.1
482.1
DGB Daegu Bank
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
248.4
229.0
986.6
233.4
220.1
255.9
709.4
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
47.3
53.0
36.4
192.6
51.7
54.5
43.9
37.4
187.5
43.2
49.5
44.1
44.8
181.6
56.3
38.8
47.1
142.2
Hi Investment & Securities
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
61.9
93.0
37.2
284.6
118.2
58.7
52.6
57.5
287.0
75.8
59.4
78.9
47.8
261.9
98.4
70.6
138.3
307.3
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
34.7
3.0
80.3
42.1
31.8
91.2
165.1
DGB Life
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
61.6
305.1
6.3
17.8
23.4
105.0
152.5
14.5
18.7
-4.2
-69.1
-40.1
-20.3
-42.0
-33.2
-8.8
-104.3
-18.0
-19.3
-43.7
-81.0
Condensed BS
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
-38.0
-36.5
11.8
3.6
12.6
-83.3
-55.3
11.7
26.7
4.1
23.0
65.5
2.3
49.7
3.1
-4.4
50.7
14.4
-4.5
-14.0
-4.1
Condensed IS
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
0.9
0.3
0.9
3.5
1.2
0.1
0.8
-6.3
-4.2
0.8
3.0
2.8
-2.5
4.1
3.4
4.1
5.6
13.1
Key Indicators
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
4.5
4.9
17.1
5.5
6.2
6.4
18.1
Premium
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
1.7
7.4
13.0
2.1
2.0
0.9
5.0
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
-37.8
-34.2
13.2
4.5
12.9
-82.4
-51.8
12.9
26.8
4.9
16.8
61.4
3.2
48.3
10.2
-6.9
54.8
17.8
-0.3
-8.5
9.0
DGB Capital
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
-13.3
-12.1
3.4
1.2
3.0
-21.9
-14.3
3.7
7.6
1.0
4.1
16.4
0.9
11.3
2.4
-1.5
13.1
4.1
0.1
-2.0
2.2
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
-24.6
-22.1
9.8
3.3
9.9
-60.5
-37.5
9.2
19.1
4.1
12.6
45.0
2.3
37.0
7.8
-5.3
41.8
13.7
-0.4
-6.4
6.9
Hi Asset Management
(after restatement)
(after restatement)
(after restatement)
(after restatement)
(after restatement)
Other Subsidiaries
L_Key
DGB Life Key Indicators
Back to Home
◈ RBC Ratio
Disclaimer
(in bn won), %
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
433.2
474.9
173.4
337.4
229.5
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
212.2
212.3
205.3
203.5
203.0
DGB Daegu Bank
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
204.1
223.6
84.5
165.8
113.1
Hi Investment & Securities
◈ Indices(Accumulative basis)
%
2015
2016
2017
2018
2019
2020
2021
2022
DGB Life
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
3Q21
4Q21
1Q22
2Q22
3Q22
Condensed BS
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
2.9
3.0
3.4
3.3
3.4
Condensed IS
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
87.0
87.1
89.8
90.8
90.8
Key Indicators
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
70.2
71.7
73.2
75.6
76.0
Premium
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
6.2
10.9
6.2
5.8
6.6
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
106.5
107.9
115.3
108.8
106.2
DGB Capital
▪ Expense Ratio : Maintenance Expense / Adjusted Premium Income (API)*
*API excludes corp.pension & retirement insurance and includes 1/10 of single premiums
Hi Asset Management
▪ Loss Ratio : (net amount at risk + waiver of premium + reinsurance expense) / Risk Premium
▪ All figures above are accumulative basis
Other Subsidiaries
L_Premium
DGB Life Premium
Back to Home
(in bn won), Quarterly
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
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
300.7
267.8
260.6
239.5
224.5
DGB Financial Group
(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
116.4
111.0
111.5
105.5
103.2
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
99.4
64.7
61.4
42.0
30.4
DGB Daegu Bank
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
63.0
30.5
35.6
31.1
30.3
Hi Investment & Securities
DGB Life
Condensed BS
Condensed IS
Key Indicators
Premium
DGB Capital
Hi Asset Management
Other Subsidiaries
C_BS
DGB Capital Condensed B/S
Back to Home
(in bn won), Ending Balance, Operating Assets Classification(Current)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
Cash & Due
N.A
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
72.6
42.2
151.4
53.0
58.3
DGB Financial Group
Operating Assets
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
3,786.6
3,836.0
3,844.1
4,054.0
4,234.2
Lease & Installment
667.5
709.1
751.7
805.8
828.4
865.8
830.8
829.4
828.8
863.3
816.5
805.8
768.2
733.0
696.0
714.3
697.5
677.8
666.8
658.6
646.6
647.1
634.2
621.4
606.2
611.3
600.8
599.4
580.1
548.8
530.0
DGB Daegu Bank
Investment Banking
188.7
270.8
253.6
278.3
378.2
446.6
443.8
494.3
500.0
531.5
542.6
544.9
510.9
587.9
615.0
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
1,363.8
1,356.3
1,407.0
1,573.8
1,620.3
Retail Banking
7.9
6.7
101.9
109.8
120.9
138.0
187.2
179.0
193.6
260.9
246.3
298.4
429.9
448.2
480.8
496.6
458.0
423.5
472.2
528.8
493.1
522.3
619.9
714.8
766.5
817.4
858.1
927.9
891.9
926.7
1,030.0
Hi Investment & Securities
Auto Finance
31.8
43.4
40.7
55.1
95.0
151.9
245.9
326.9
416.5
690.4
775.5
822.0
831.0
828.7
827.5
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
966.6
966.8
978.0
1,012.0
1,062.5
Provisions & Others
-5.7
-9.1
5.6
-28.6
-8.3
-18.9
-21.3
-31.5
-30.4
-26.8
-23.4
-25.7
-30.5
-26.5
-24.4
-27.5
-24.9
-27.4
-26.1
-17.0
-4.7
-8.4
-5.2
-13.5
-11.6
-3.1
-2.7
-14.4
-12.9
-7.3
-8.6
DGB Life
Other Assets
8.0
10.4
13.9
12.5
14.5
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
52.7
64.2
59.0
66.2
70.5
Total Assets
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
3,911.9
3,942.4
4,054.5
4,173.2
4,363.0
DGB Capital
Total Liabilities
729.7
811.1
949.8
1,030.4
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
3,415.2
3,454.2
3,541.6
3,640.8
3,810.8
Condensed BS
Total Equity
228.8
230.7
231.8
227.9
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
496.7
488.2
512.9
532.4
552.2
Condensed IS
Total Equity & Liabilities
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
3,911.9
3,942.4
4,054.5
4,173.2
4,363.0
Asset Quality / Delinquency
Loans Portfolio
(in bn won), Ending Balance, Operating Assets Classification(Past)
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
Hi Asset Management
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
72.6
42.2
151.4
53.0
58.3
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
3,786.6
3,836.0
3,844.1
4,054.0
4,234.2
Other Subsidiaries
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
706.4
713.4
723.8
790.5
882.9
966.2
1,056.2
1,145.9
1,148.1
1,183.0
1,223.5
1,243.4
1,276.7
1,311.8
1,363.5
1,431.9
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
44.7
42.6
43.8
42.8
47.3
45.3
41.9
35.8
31.0
29.3
27.8
28.1
27.6
26.7
22.7
20.0
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
107.0
122.9
132.0
154.5
152.3
172.5
174.8
175.2
188.1
187.0
207.2
239.3
253.4
283.5
283.7
303.1
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
1,028.0
1,015.1
1,104.8
1,067.8
1,190.5
1,198.5
1,230.6
1,195.2
1,211.2
1,346.5
1,433.1
1,411.7
1,385.6
1,399.1
1,602.2
1,717.9
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
810.0
753.0
697.5
723.4
758.2
695.5
699.7
770.1
838.8
839.7
855.3
864.0
892.6
823.0
781.9
761.3
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
52.7
64.2
59.0
66.2
70.5
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
3,911.9
3,942.4
4,054.5
4,173.2
4,363.0
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
1,030.4
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
3,415.2
3,454.2
3,541.6
3,640.8
3,810.8
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
227.9
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
496.7
488.2
512.9
532.4
552.2
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
3,911.9
3,942.4
4,054.5
4,173.2
4,363.0
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
FY 2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
YTD
Disclaimer
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
46.2
41.8
171.4
45.9
42.1
40.0
128.0
DGB Financial Group
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
35.3
36.5
135.0
36.9
37.6
38.9
113.4
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
10.9
5.3
36.4
9.0
4.5
1.1
14.6
DGB Daegu Bank
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
10.0
20.6
49.5
10.0
10.1
10.7
30.8
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
6.2
9.5
30.9
1.3
2.7
7.8
11.8
Hi Investment & Securities
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
30.0
11.7
91.0
34.6
29.3
21.5
85.4
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
23.3
8.7
70.2
25.5
19.7
17.9
63.1
DGB Life
DGB Capital
Condensed BS
Condensed IS
Asset Quality / Delinquency
Loans Portfolio
Hi Asset Management
Other Subsidiaries
C_Quality
DGB Capital Asset Quality / Delinquency
Back to Home
◈ Asset Quality
Disclaimer
(in bn won), %
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
3,560.3
3,605.0
3,574.7
3,666.5
3,950.5
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
3,442.2
3,481.7
3,430.3
3,535.5
3,815.2
DGB Daegu Bank
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
86.2
86.5
116.0
102.2
102.8
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
10.1
7.6
5.9
7.8
14.1
Hi Investment & Securities
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
5.9
3.0
1.7
2.1
3.0
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
16.0
26.3
20.8
19.0
15.4
DGB Life
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
0.90
1.02
0.79
0.79
0.82
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
169.8
167.3
195.6
192.6
170.4
DGB Capital
Condensed BS
◈ Delinquency Ratio
Condensed IS
%
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Asset Quality / Delinquency
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
3Q21
4Q21
1Q22
2Q22
3Q22
Loans Portfolio
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
0.87
0.83
0.67
0.59
0.52
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
3.10
2.90
3.01
2.74
2.73
Hi Asset Management
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
0.83
0.76
0.58
0.47
0.67
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
2.00
2.12
1.70
2.35
2.84
Other Subsidiaries
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
1.16
1.16
0.91
0.93
1.06
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
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
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.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Amt.
%
Disclaimer
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
1,243.4
32.9
1,276.7
33.3
1,311.8
34.1
1,363.5
33.6
1,431.9
33.8
DGB Financial Group
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
1,243.4
32.8
1,276.7
33.3
1,311.8
34.1
1,363.5
33.6
1,431.9
33.8
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
-
0.0
-
0.0
-
0.0
-
0.0
-
0.0
-
DGB Daegu Bank
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
28.1
0.7
27.6
0.7
26.7
0.7
22.7
0.6
20.0
0.5
Corporate Loans(Securities invested included)
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
1,651.0
43.6
1,639.0
42.7
1,682.6
43.8
1,886.0
46.5
2,021.0
47.7
Hi Investment & Securities
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
410.3
10.8
396.0
10.3
351.2
9.1
386.5
9.5
422.1
10.0
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
1,240.7
32.8
1,243.0
32.4
1,331.4
34.6
1,499.5
37.0
1,598.9
37.8
DGB Life
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
-
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
864.0
22.8
892.6
23.3
823.0
21.4
781.8
19.3
761.3
18.0
DGB Capital
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
435.7
11.5
401.7
10.5
364.9
9.5
337.8
8.3
315.6
7.5
Condensed BS
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
428.3
11.3
490.9
12.8
458.1
11.9
444.0
11.0
445.7
10.5
Condensed IS
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
3,786.6
100.0
3,836.0
100.0
3,844.1
100.0
4,054.0
100.0
4,234.2
100.0
Asset Quality / Delinquency
Loans Portfolio
Hi Asset Management
Other Subsidiaries
A_BS
Hi Asset Mgmt. Condensed B/S
Back to Home
(in bn won), Ending Balance
2016
2017
2018
2019
2020
2021
2022
Disclaimer
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
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
18.4
14.1
5.0
3.9
5.6
DGB Financial Group
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
20.4
21.9
60.1
61.6
61.4
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
0.0
0.0
0.0
0.0
0.0
DGB Daegu Bank
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
1.0
0.9
1.0
0.9
0.8
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
3.1
8.5
8.0
8.4
8.3
Hi Investment & Securities
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
42.9
45.4
74.1
74.8
76.1
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
0.0
0.0
0.0
0.0
0.0
DGB Life
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
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
2.7
5.4
2.8
2.4
2.4
DGB Capital
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
2.7
5.4
2.8
2.4
2.4
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
40.2
40.0
71.3
72.4
73.7
Hi Asset Management
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
42.9
45.4
74.1
74.8
76.1
Condensed BS
Condensed IS
AUM Structure
Other Subsidiaries
A_IS
Hi 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
FY 2021
2022
Disclaimer
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
YTD
Disclaimer
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
4.1
4.7
15.7
4.7
5.1
4.5
14.3
DGB Financial Group
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
0.0
0.0
0.1
0.0
0.1
0.1
0.2
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
4.2
4.7
15.5
4.6
4.9
4.3
13.8
DGB Daegu Bank
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
2.3
2.9
9.6
2.8
3.0
2.9
8.7
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
2.2
2.7
9.0
2.6
2.9
2.7
8.2
Hi Investment & Securities
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
1.8
1.8
6.1
1.9
2.1
1.6
5.6
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
1.0
1.8
5.1
1.4
1.1
1.3
3.8
DGB Life
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
11.4
13.1
13.1
10.0
8.9
9.1
9.1
▪ ROE is based on cumulative sum
DGB Capital
Hi Asset Management
Condensed BS
Condensed IS
AUM Structure
Other Subsidiaries
A_AUM
Hi Asset Mgmt. AUM Structure
Back to Home
(in bn won), Ending Balance
2016
2017
2018
2019
2020
2021
2022
Disclaimer
1Q16
2Q16
3Q16
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
1Q19
2Q19
3Q19
4Q19
1Q20
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
Disclaimer
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
3,395.0
3,464.7
3,498.8
3,403.9
3,454.1
DGB Financial Group
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
3,019.0
3,413.7
4,170.4
5,390.5
5,471.7
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
458.3
390.1
334.3
288.5
280.3
DGB Daegu Bank
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
1,201.0
1,576.8
2,099.1
1,456.5
1,123.3
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
706.1
743.3
801.1
867.4
760.9
Hi Investment & Securities
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
322.9
884.0
841.8
765.0
792.5
(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
241.9
221.9
216.4
216.4
209.6
DGB Life
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
9,102.3
10,472.6
11,745.5
12,171.8
11,882.8
▪ AUM above is principal basis, not NAV(Net Asset Value)
DGB Capital
Hi Asset Management
Condensed BS
Condensed IS
AUM Structure
Other Subsidiaries
U-Pay
DGB U-Pay
Back to Home
◈ Condensed BS
Disclaimer
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
2021 FY
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
21.5
21.4
22.1
23.3
23.5
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
19.9
20.0
20.9
22.2
22.3
DGB Daegu Bank
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
1.6
1.4
1.2
1.1
1.2
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
14.2
12.6
12.1
11.6
11.1
Hi Investment & Securities
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
35.7
34.0
34.2
34.9
34.6
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
12.5
12.1
12.3
12.5
11.9
DGB Life
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
23.9
23.7
23.9
24.2
23.6
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
11.8
10.3
10.3
10.7
11.0
DGB Capital
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
35.7
34.0
34.2
34.9
34.6
DGB Asset Management
◈ 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
2021 FY
2022
Other Subsidiaries
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB U-Pay
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
3.5
4.4
14.8
3.6
4.3
4.2
DGB Data System
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
2.8
3.3
11.9
2.8
2.9
3.1
DGB Credit Information
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
0.7
1.1
2.9
0.8
1.4
1.1
Hi Investment Partners
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
1.2
1.1
4.5
1.1
1.0
1.3
Newsy Stock
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
-0.5
-2.5
-4.1
-0.3
0.3
0.0
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
0.4
0.0
1.1
0.3
0.3
0.4
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
-0.1
-1.6
-2.1
0.0
0.5
0.3
Data
DGB Data System
Back to Home
◈ Condensed BS
Disclaimer
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
2021 FY
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
11.3
9.7
8.2
7.8
8.2
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
6.9
7.8
5.9
0.8
6.2
DGB Daegu Bank
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
4.4
1.8
2.3
7.0
2.0
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
5.1
5.4
6.6
6.4
6.7
Hi Investment & Securities
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
16.4
15.1
14.8
14.2
14.9
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
3.9
2.2
1.9
1.4
1.9
DGB Life
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
12.5
12.9
12.9
12.8
13.0
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
16.4
15.1
14.8
14.2
14.9
DGB Capital
◈ Condensed IS
DGB Asset Management
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
2021 FY
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
Other Subsidiaries
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
7.0
9.0
24.4
4.3
5.0
5.2
DGB U-Pay
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
6.4
8.2
22.0
3.9
4.8
4.5
DGB Data System
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
0.7
0.7
2.3
0.4
0.3
0.5
DGB Credit Information
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
0.3
0.5
1.4
0.4
0.4
0.4
Hi Investment Partners
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
0.4
1.0
0.0
-0.1
0.2
Newsy Stock
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
0.4
1.0
0.1
-0.1
0.1
Credit
DGB Credit Information
Back to Home
◈ Condensed BS
Disclaimer
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
2021 FY
2022
Disclaimer
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
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
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
5.3
5.4
5.5
5.7
5.2
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
5.1
5.2
5.2
5.5
5.0
DGB Daegu Bank
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
0.2
0.2
0.3
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
0.3
0.3
0.3
0.3
0.8
Hi Investment & Securities
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
5.6
5.7
5.8
6.0
6.0
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
0.3
0.3
0.3
0.3
0.3
DGB Life
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
5.3
5.4
5.5
5.7
5.7
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
5.6
5.7
5.8
6.0
6.0
DGB Capital
◈ Condensed IS
Hi Asset Management
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
2021 FY
2022
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
3Q21
4Q21
1Q22
2Q22
3Q22
Other Subsidiaries
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
0.5
0.5
2.1
0.6
0.7
0.5
DGB U-Pay
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
0.4
0.5
1.8
0.5
0.5
0.5
DGB Data System
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
0.1
0.0
0.3
0.1
0.2
0.0
DGB Credit Information
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
0.1
0.1
0.0
0.0
0.0
Hi Investment Partners
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
0.0
0.1
0.3
0.1
0.1
0.0
Newsy Stock
VC
Hi Investment Partners
Back to Home
◈ Condensed BS
Disclaimer
Bn. Won
2020 FY
2021
2020 FY
2022
Disclaimer
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
Current Assets
1.7
1.7
1.2
0.9
8.9
7.9
6.7
6.3
Cash & Financial Instrument
1.2
1.0
0.8
0.6
8.2
7.5
6.1
5.4
DGB Daegu Bank
Others
0.5
0.7
0.4
0.3
0.7
0.4
0.6
0.9
Venture Investment Assets
7.3
7.0
7.4
8.0
8.0
10.3
12.1
12.5
Hi Investment & Securities
Non-Current Assets
0.5
0.7
0.7
1.1
2.6
1.2
1.1
1.1
Total Assets
9.5
9.4
9.3
10.0
19.5
19.4
19.9
19.9
DGB Life
Total Liabilities
0.3
0.4
0.5
0.6
0.1
0.1
0.1
0.3
Total Equity
9.1
9.0
8.8
9.4
19.4
19.3
19.8
19.6
DGB Capital
Total Equity & Liabilities
9.4
9.4
9.3
10.0
19.5
19.4
19.9
19.9
Hi Asset Management
◈ Condensed IS
Bn. Won
2020 FY
2021
2021 FY
2022
Other Subsidiaries
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
DGB U-Pay
Operating Revenues
2.5
0.2
0.4
1.0
-0.1
1.5
0.6
0.7
0.7
DGB Data System
Venture Capital Revenues
2.3
0.2
0.3
1.1
-0.1
1.5
0.6
0.6
0.7
DGB Credit Information
Operating Expenses
2.3
0.3
0.6
0.4
0.3
1.6
0.6
0.5
0.5
Hi Investment Partners
Operating Income
0.2
-0.1
-0.2
0.6
-0.4
-0.1
0.0
0.2
0.2
Newsy Stock
Non-Operating Income
0.0
0.0
0.0
0.0
0.4
0.4
-0.1
0.4
-0.4
Net Income
0.2
-0.1
-0.2
0.6
0.0
0.3
-0.1
0.5
-0.1
* Hi Investment Partners' net income is consolidated to Group I/S starting from April 2021.
Newsy
Newsy Stock
Back to Home
◈ Condensed BS
Disclaimer
Bn. Won
2020 FY
2021
2021 FY
2022
Disclaimer
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
DGB Financial Group
Current Assets
2.1
2.6
3.2
3.2
7.9
7.7
7.3
7.0
Cash & Financial Instrument
1.7
2.4
3.0
3.0
7.6
7.6
5.7
5.7
DGB Daegu Bank
Others
0.3
0.3
0.2
0.2
0.3
0.1
1.7
1.4
Non-Current Assets
0.3
0.3
0.0
0.1
0.2
0.2
0.2
0.2
Hi Investment & Securities
Total Assets
2.3
2.9
3.2
3.3
8.1
7.9
7.5
7.2
Total Liabilities
0.2
0.3
0.3
0.3
0.2
0.3
0.1
0.2
DGB Life
Total Equity
2.1
2.6
2.9
3.0
7.9
7.6
7.4
7.0
Total Equity & Liabilities
2.3
2.9
3.2
3.3
8.1
7.9
7.5
7.2
DGB Capital
◈ Condensed IS
Hi Asset Management
Bn. Won
2020 FY
2021
2021 FY
2022
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22
2Q22
3Q22
Other Subsidiaries
Operating Revenues
3.1
1.2
1.2
1.2
0.7
4.3
0.6
0.5
0.4
DGB U-Pay
Fee Revenues
3.1
1.2
1.2
1.2
0.7
4.3
0.6
0.5
0.4
DGB Data System
Operating Expenses
2.3
0.7
1.0
1.1
0.9
3.7
0.8
0.8
0.7
DGB Credit Information
Operating Income
0.8
0.5
0.3
0.0
-0.1
0.7
-0.2
-0.3
-0.3
Hi Investment Partners
Non-Operating Income
0.2
0.0
0.1
0.0
0.1
0.2
0.0
0.0
0.0
Newsy Stock
Net Income
1.0
0.5
0.3
0.1
-0.1
0.8
-0.2
-0.3
-0.3
* Newsy Stock's net income is consolidated to Group I/S starting from August 2021.
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DGB Financial Group published this content on 27 October 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 27 October 2022 06:53:10 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. 
