DGB Financial : 3Q 2022 Investor Presentation

www.dgbfg.co.kr

DGB FG

3Q 2022 Financial Results

Disclaimer

DGB Life Insurance's financial statements from 2018 to 3Q21 have been restated due to new accounting policy(guarantee reserve). Accordingly, group financial results have been retrospectively restated and reflected in this IR Book. Refer to changes in net incomebelow.

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

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

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

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

Some of the totals may not sum due to rounding.

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

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

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

Contents

DGB Financial Group

DGB Daegu Bank

Non-Bank

Group Structure

Financial Results

Key Indicators

Capital Adequacy / Dividend

Group Strategies for Future Growth

Condensed BS

Condensed IS

Market Share & Regional Economy Financial Results

Loans & Deposits(Funding Structure) Asset Quality & Delinquency

Hi Investment & Securities

DGB Life

DGB Capital

Hi Asset Management

DGB Financial Group

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

DGB Financial Group(Organizational Structure)

∙ Assets	100.3 tr.
∙ Equity	6.1 tr.

EST. : Established

	∙ Assets	75,554.3 bn.	∙ Branches	204	∙ ROE	9.99%
100%	∙ Equity	4,906.6 bn.	∙ Net Income	329.4 bn.	∙ ROA	0.62%

ACQ. : Acquired

EST.

1967. 10

• Employees 4,840

(Overseas local employees excluded)

∙ Net Income 394.3 bn.

∙ ROE	9.80%
∙ ROA	0.59%

	∙ Assets	13,373.9 bn.	∙ Branches	25	∙ ROE	8.24%	ACQ.
	∙ Equity	1,419.1 bn.	∙ Net Income	73.7 bn.	∙ ROA	0.78%	2018. 10
87.9%
∙ Assets	6,916.3 bn.			∙ ROE	3.17%	ACQ.
	∙ Equity	240.4 bn.	∙ Net Income	6.9 bn.	∙ ROA	0.13%	2015. 1
100%

100%

∙ EST. 2011. 5. 17

100%

• Total Assets 4.1 tr.

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

• This group structure is as of the end of 3Q22
• Bank trust account included in group & bank assets
• Net Income is based on consolidated basis
• Assets & net income are marked on KRW (Korean Won)
• Ownership described as percentage mark above

∙ Assets	4,363.0 bn.	∙ Branches	4	∙ ROE	16.24%	ACQ.
∙ Equity	552.2 bn.	∙ Net Income	63.1 bn. ∙ ROA	2.05%	2012. 1
							ACQ.
∙ Assets	76.1 bn.	∙ Equity	73.7 bn.	∙ Net Income 3.8 bn.
2016. 10
							ACQ.
∙ Assets	34.6 bn.	∙ Equity	11.0 bn.	∙ Net Income 0.8 bn.
2013. 3
							EST.
∙ Assets	14.9 bn.	∙ Equity	13.0 bn.	∙ Net Income 0.1 bn.
2012. 4
							EST.
∙ Assets	6.0 bn.	∙ Equity	5.7 bn.	∙ Net Income 0.2 bn.
2000. 7
							ACQ.
∙ Assets	19.9 bn.	∙ Equity	19.6 bn.	∙ Net Income 0.3 bn.
2021. 4
							ACQ.
∙ Assets	7.2 bn.	∙ Equity	7.0 bn.	∙ Net Income -0.8bn.
2021. 8