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Preliminary Operating Results for the Fiscal Year 2008

02-11-2009

On February 11, 2009, KB Financial Group held an earnings conference and released its preliminary operating
results for fiscal year 2008. The following tables reflect the key figures released during the conference.
The presentation materials for the conference, which contain further details, are available at KB Financial Group’s
website (http://www.kbfng.com).

The preliminary figures for the fiscal year 2008 presented herein are currently being audited by our independent
auditor and are subject to change.


1.		Operating results of KB Financial Group (consolidated)


						% Change
(Won in millions, %)		4Q 2008		3Q 2008*		(Q to Q)
Operating Revenue	Specified Quarter		17,967,947		11,769,356		+52.67
	Cumulative		29,729,283		11,769,356		+152.60

Operating Income	Specified Quarter		33,789		593,512		-94.31
	Cumulative		627,301		593,512		+5.69

Income before Income Tax Expense	Specified Quarter		135,118		804,290		-83.20
	Cumulative		939,408		804,290		+16.80

Net Income **	Specified Quarter		43,878		568,049		-92.28
	Cumulative		611,927		568,049		+7.72


*		KB Financial Group was established on September 29, 2008 pursuant to a “comprehensive stock transfer” under Korean law and accordingly, the actual applicable period for the third quarter of fiscal year 2008 for KB Financial Group consists of September 29 and September 30, 2008.

**		Represents net income for controlling company interests.


2.		Financial results of Kookmin Bank (non-consolidated)

The following figures are subject to change based on (i) the results of the audit by the Bank’s independent auditors and (ii) the results of the Bank’s annual general meeting of shareholders.


2.1		Operating results (non-consolidated)


						% Change				% Change
(Won in millions, %)		4Q 2008		3Q 2008		(Q to Q)		4Q 2007		(Y to Y)
Operating Revenue*	Specified Quarter		17,656,188		11,411,310		+54.73		5,928,305		+197.83
	Cumulative		44,379,564		26,774,138		+65.76		21,281,826		+108.53

Operating Income	Specified Quarter		-433,973		563,164		-177.06		776,100		-155.92
	Cumulative		1,811,443		2,245,416		-19.33		4,233,386		-57.21

Income before Income Tax Expense	Specified Quarter		-388,335		777,646		-149.94		805,928		-148.18
	Cumulative		2,158,289		2,546,624		-15.25		4,529,870		-52.35

Net Income*	Specified Quarter		-318,459		553,390		-157.55		580,064		-154.90
	Cumulative		1,510,784		1,829,243		-17.41		2,773,843		-45.53


2.2		Balance sheet figures (non-consolidated)


(Won in thousands, %)	As of December 31, 2008		As of December 31, 2007
Total Assets		262,093,176,566		218,866,037,700
Total Liabilities		244,779,083,051		202,828,276,267
Shareholders’ Equity		17,314,093,515		16,037,761,433
Capital Stock		2,181,895,580		1,681,895,580
Shareholders’ Equity/Capital Stock Ratio (%)		793.5		953.6


*		The increase in operating revenue was due to, among other reasons, increased income from derivatives, while the decrease in net income was due to, among other reasons, losses on disposal of KB Financial Group common shares held by the Bank.