UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of November 2013

Commission File Number: 000-53445

KB Financial Group Inc.

(Translation of registrant’s name into English)

9-1, 2-ga, Namdaemoon-ro, Jung-gu, Seoul 100-703, Korea

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F  x            Form 40-F  ¨

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):  ¨

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):  ¨

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes  ¨            No   x

If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): 82-N/A.

INDEX

1.	Summary of 2013 3Q Business Report	3
2.	Exhibit 99.1 KB Financial Group Report on Review of Interim Consolidated Financial Statements
3.	Exhibit 99.2 KB Financial Group Report on Review of Interim Separate Financial Statements
TABLE OF CONTENTS
1.	Introduction to the Company	4
1.1.	Business Purpose	4
1.2.	History	4
1.3.	Overview of the Business Group	5
1.4.	Capital Structure	6
1.5.	Dividends	7
2.	Business	8
2.1.	Results of Operations	8
2.2.	Sources and Uses of Funds	9
2.3.	Other Information to Consider in Making an Investment Decision	11
3.	Financial Information	12
3.1.	Consolidated Condensed Financial Information	12
3.2.	Separate Condensed Financial Information	14
3.3.	Other Selected Financial Data	16
3.4.	Other Financial Information	19
4.	Independent Public Accountants	20
4.1.	Audit / Review Services	20
4.2.	Non-Audit Services	20
5.	Corporate Governance and Affiliated Companies	21
5.1.	Board of Directors & Committees under the Board	21
5.2.	Audit Committee	21
5.3.	Compensation to Directors	21
5.4.	Affiliated Companies	22
6.	Directors, Senior Management and Employees	23
6.1.	Executive Directors	23
6.2.	Non-Standing Directors	23
6.3.	Non-Executive Directors	23
6.4.	Senior Management	24
6.5.	Employees	24
7.	Major Shareholders and Related Party Transactions	24
7.1.	Major Shareholders	24
7.2.	Changes in the Largest Shareholder	25
7.3.	Employee Stock Ownership Association	25
7.4.	Investments in Certain Affiliated Companies	26
7.5.	Related Party Transactions	26

2

Summary of 2013 3Q Business Report

On November 14, 2013, KB Financial Group Inc. (“KB Financial Group”) filed its business report for the first nine months of fiscal year 2013 (the “Business Report”) with the Financial Services Commission of Korea and the Korea Exchange. This is a summary of the Business Report translated into English.

Except where indicated otherwise, financial information contained in this summary (and in the attached review report) have been prepared in accordance with the Korean equivalent of International Financial Reporting Standards (“K-IFRS”), which differ in certain important respects from generally accepted accounting principles in the United States.

All references to “KB Financial Group,” “we,” “us” or the “Company” are to KB Financial Group and, unless the context requires otherwise, its subsidiaries. In addition, all references to “Won” or “KRW” in this document are to the currency of the Republic of Korea.

3

1. Introduction to the Company

1.1. Business Purpose

KB Financial Group is a financial holding company that was established in September 2008. Its main business purpose is to hold shares in companies that are engaged in financial or related services, as well as govern and manage such companies. Its consolidated subsidiaries are primarily engaged in the banking business, as well as the credit card business, the financial investment business, the insurance business and other related businesses.

1.2. History

• September 26, 2008

Obtained final approval from the Financial Services Commission to establish a financial holding company

• September 29, 2008

Establishment of the Company through a comprehensive stock transfer and listing on the New York Stock Exchange

• October 10, 2008

Listing on the Korea Exchange

• October 20, 2008

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

• October 31, 2008

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

• May 4, 2009

Added Kookmin Bank Cambodia PLC as a second-tier subsidiary

• June 22, 2009

Added KB Life Insurance Co., Ltd., formerly a second-tier subsidiary, as a first-tier subsidiary

• September 28, 2009

Added Burrill-KB Life Sciences Fund as a second-tier subsidiary

• December 1, 2009

Added KB-Glenwood Private Equity Fund No.1 as a second-tier subsidiary

• January 22, 2010

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

• July 6, 2010

Added KBIC No.3 PEF as a second-tier subsidiary

• December 13, 2010

Added KoFC KBIC Frontier Champ 2010-5 PEF as a second-tier subsidiary

4

• March 2, 2011

Added KB Kookmin Card Co., Ltd. as a first-tier subsidiary

• March 14, 2011

KB Futures Co., Ltd. was merged into KB Investment & Securities Co., Ltd.

• July 8, 2011

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

• November 12, 2011

Closed KB Investment & Securities Hong Kong Ltd.

• January 13, 2012

Added KB Savings Bank Co., Ltd. as a first-tier subsidiary

• May 11, 2012

Added KoFC POSCO HANWHA KB Shared Growth No. 2. Private Equity Fund as a second-tier subsidiary

• June 8, 2012

Liquidated Burrill-KB Life Sciences Fund Ltd.

• July 2, 2012

Added KoFC Value-up Private Equity Fund as a second-tier subsidiary

• October 10, 2012

Added Kookmin Bank (China) Ltd. as a second-tier subsidiary

• June 20, 2013

Acquisition of the remaining shares of KB Life Insurance Co., Ltd., which increased the Company’s shareholding to 100%

• September 2, 2013

Added Yehansoul Savings Bank as a first-tier subsidiary

1.3. Overview of the Business Group

(As of September 30, 2013)
Type	Name of Company	Controlling Company	Remarks
Holding Company	KB Financial Group	—	Listed
1st Tier Subsidiaries	Kookmin Bank	KB Financial Group	Not listed
	KB Kookmin Card Co., Ltd.	KB Financial Group	Not listed
	KB Investment & Securities Co., Ltd.	KB Financial Group	Not listed
	KB Life Insurance Co., Ltd.	KB Financial Group	Not listed
	KB Asset Management Co., Ltd.	KB Financial Group	Not listed
	KB Real Estate Trust Co., Ltd.	KB Financial Group	Not listed
	KB Investment Co., Ltd.	KB Financial Group	Not listed
	KB Credit Information Co., Ltd.	KB Financial Group	Not listed
	KB Data Systems Co., Ltd.	KB Financial Group	Not listed
	KB Savings Bank Co., Ltd.	KB Financial Group	Not listed
	Yehansoul Savings Bank	KB Financial Group	Not listed

5

2nd Tier Subsidiaries	Kookmin Bank Hong Kong Ltd.	Kookmin Bank	Not listed
	Kookmin Bank International Ltd.	Kookmin Bank	Not listed
	Kookmin Bank Cambodia PLC	Kookmin Bank	Not listed
	Kookmin Bank (China) Ltd.	Kookmin Bank	Not listed
	KB-Glenwood Private Equity Fund No.1	KB Investment & Securities	Not listed
	NPS-KBIC Private Equity Fund No. 1	KB Investment	Not listed
	KBIC No.3 PEF	KB Investment	Not listed
	KoFC KBIC Frontier Champ 2010-5 PEF	KB Investment	Not listed
	KoFC POSCO HANWHA KB Shared Growth No. 2. Private Equity Fund	KB Investment	Not listed
	KoFC Value-up Private Equity Fund	KB Investment	Not listed

Notes:

– KLB Securities, a subsidiary of Kookmin Bank, has been liquidated.

– On March 2, 2011, KB Kookmin Card Co., Ltd., previously a business division of Kookmin Bank, was newly established and added as a first-tier subsidiary of KB Financial Group.

– On March 14, 2011, KB Futures Co., Ltd. was merged into KB Investment & Securities Co., Ltd. Accordingly, KB Futures Co., Ltd. is no longer a first-tier subsidiary of KB Financial Group.

– On November 12, 2011, KB Investment & Securities Hong Kong Ltd. was closed.

– On January 13, 2012, KB Savings Bank Co., Ltd. was added as a first-tier subsidiary.

– On May 11, 2012, KoFC POSCO HANWHA KB Shared Growth No. 2. Private Equity Fund was added as a second-tier subsidiary.

– On June 8, 2012, Burrill-KB Life Sciences Fund Ltd. was liquidated.

– On July 2, 2012, KoFC Value-up Private Equity Fund was added as a second-tier subsidiary.

– On October 10, 2012, Kookmin Bank (China) Ltd. was added as a second-tier subsidiary.

– On September  2, 2013, Yehansoul Savings Bank was added as a first-tier subsidiary.

1.4. Capital Structure

1.4.1. Common Shares

Capital Increase

(As of September 30, 2013)									(Unit: Won, shares)
Issue Date	Type		Number		Par Value		Issue Price		Remarks
September 29, 2008		Common Stock		356,351,693		5,000		48,444	Establishment of the Company
September 2, 2009		Common Stock		30,000,000		5,000		37,250	Rights offering to existing shareholders; % increase in number of common shares: 8.41865%

Number of Shares

(As of September 30, 2013)	(Unit: shares)
	Type
	Common Stock		Total
Shares Authorized for Issuance		1,000,000,000		1,000,000,000
Shares Issued (A)		386,351,693		386,351,693
Treasury Stock (B)		—		—
Shares Outstanding (A-B)		386,351,693		386,351,693

6

1.4.2. Voting Rights

(As of September 30, 2013)
Items		Number of shares		Notes
Total number of issued shares	Common shares		386,351,693		—
	—		—		—
Shares without voting rights	—		—		—
Shares for which voting rights cannot be exercised pursuant to the Articles of Incorporation	—		—		—
Shares for which voting rights are restricted under relevant laws and regulations	—		—		—
Shares with restored voting rights	—		—		—
Total shares for which voting rights may be exercised	Common shares		386,351,693		—
	—		—		—

1.5. Dividends

Items		January 1, 2012 to December 31, 2012(1)(3)		January 1, 2011 to December 31, 2011(1)(4)			January 1, 2010 to December 31, 2010(2)(5)
Par value per share (Won)			5,000		5,000			5,000
Net income (Won in Millions)			646,235		(63,678	)		88,320
Earnings per share (Won)			1,673		(173	)		257
Total cash dividends (Won in Millions)			231,811		278,173			41,163
Total stock dividends (Won in Millions)			—		—			—
Cash dividend payout ratio (%)			35.9		(436.8	)		46.6
Cash dividend yield (%)	Common Shares —		1.6 —		1.9 —			0.2 —
Stock dividend yield (%)	Common Shares —		—   —		—   —			—   —
Cash dividend per share (Won)	Common Shares —		600 —		720 —			120 —
Stock dividend per share (Shares)	Common Shares —		—   —		—   —			—   —

(1) Based on K-IFRS (on a separate basis).

(2) Based on generally accepted accounting principles in Korea (“K-GAAP”) (on a separate basis).

(3) Dividend payout ratio on a consolidated basis for the year ended December 31, 2012 was 13.6%.

(4) Dividend payout ratio on a consolidated basis for the year ended December 31, 2011 was 11.7%.

(5) The total number of common shares that were eligible for payment of dividends for the year ended December 31, 2010 was 343,028,989 shares (which excludes 43,322,704 shares that were held by Kookmin Bank, a wholly-owned subsidiary of

KB Financial Group, as of such period).

7

2. Business

2.1. Results of Operations

(Unit: in millions of Won)
	For the nine months ended September 30, 2013			For the nine months ended September 30, 2012(1)			For the year ended December 31, 2012			For the year ended December 31, 2011
Net interest income		4,877,468			5,287,754			7,115,913			7,104,512
Interest income		9,302,860			10,770,094			14,155,825			13,956,257
Interest expense		(4,425,392	)		(5,482,340	)		(7,039,912	)		(6,851,745	)
Net fee and commission income		1,131,578			1,177,029			1,592,641			1,794,750
Fee and commission income		1,973,811			2,078,488			2,778,668			2,829,754
Fee and commission expense		(842,233	)		(901,459	)		(1,186,027	)		(1,035,004	)
Net gains (losses) on financial assets and liabilities at fair value through profit or loss		544,774			850,580			651,203			1,035,867
Net other operating income (expense)		(894,455	)		(1,103,920	)		(1,455,270	)		(1,092,009	)
General and administrative expenses		(2,958,524	)		(2,924,261	)		(3,885,285	)		(3,931,808	)
Operating profit before provision for credit losses		2,700,841			3,287,182			4,019,202			4,911,312
Provision for credit losses		(1,131,933	)		(1,128,727	)		(1,607,804	)		(1,512,978	)
Net operating profit		1,568,908			2,158,455			2,411,398			3,398,334

Note: Prepared on a consolidated basis.

(1) Restated to reflect adjustments resulting from retrospective application of the amendments to K-IFRS 1110 and 1019.

8

2.2. Sources and Uses of Funds

2.2.1. Sources of Funds

														(Unit: in millions of Won, %)
		For the nine months ended September 30, 2013						For the year ended December 31, 2012(1)						For the year ended December 31, 2011
		Average Balance		Interest Rate (%)		Average Balance		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)
Won Currency	Deposits		179,085,838		2.55		63.30		181,850,183		3.10		64.01		169,714,084		3.02		63.38
	Certificate of deposit		1,772,918		3.08		0.63		1,734,611		3.88		0.61		1,745,901		3.90		0.65
	Borrowings		5,269,488		2.57		1.86		5,308,486		2.86		1.87		4,593,395		3.01		1.72
	Call money		3,794,711		2.60		1.34		3,562,595		3.02		1.25		1,779,391		3.01		0.66
	Debentures		21,625,698		4.77		7.64		21,002,427		5.17		7.39		24,454,683		5.37		9.13
	Other		3,270,446		2.75		1.16		3,188,139		3.59		1.12		3,713,710		3.50		1.39
Subtotal			214,819,099		2.78		75.93		216,646,441		3.30		76.25		206,001,164		3.31		76.93
Foreign currency	Deposits		5,035,952		0.87		1.78		5,289,517		0.97		1.86		3,394,042		0.64		1.27
	Borrowings		7,139,239		0.60		2.52		8,399,079		0.91		2.96		7,464,052		0.92		2.79
	Call money		937,338		0.44		0.33		1,224,909		0.55		0.43		896,482		0.84		0.33
	Debentures		3,228,201		4.66		1.14		3,549,616		4.96		1.25		3,945,798		4.96		1.47
	Other		260,359		1.16		0.09		203,426		1.34		0.07		134,421		0.59		0.05
Subtotal			16,601,089		1.47		5.86		18,666,547		1.68		6.57		15,834,795		1.86		5.91
Other	Total shareholders’ equity		25,482,717		—		9.01		24,431,702		—		8.61		22,823,040		—		8.52
	Allowances		720,577		—		0.25		901,913		—		0.32		1,096,724		—		0.41
	Other		25,317,479		—		8.95		23,452,276		—		8.25		22,049,153		—		8.23
Subtotal			51,520,773		—		18.21		48,785,891		—		17.18		45,968,917		—		17.16
Total			282,940,961		—		100.00		284,098,879		—		100.00		267,804,876		—		100.00

Note: Prepared on a consolidated basis.

(1) Restated to reflect adjustments resulting from retrospective application of the amendments to K-IFRS 1110 and 1019.

9

2.2.2. Uses of Funds

																		(Unit: in millions of Won, %)
		For the nine months ended September 30, 2013								For the year ended December 31, 2012(1)								For the year ended December 31, 2011
		Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)
Won currency	Due from banks		4,682,045			2.76		1.65			3,978,175			3.66		1.40			1,622,223			3.75		0.61
	Securities		45,745,455			3.70		16.17			45,292,632			4.39		15.94			41,166,103			4.60		15.38
	Loans		185,209,297			4.72		65.46			188,233,803			5.43		66.27			179,786,245			5.63		67.14
	Guarantee payments under payment guarantee		50,954			1.48		0.02			68,419			0.73		0.02			142,018			0.26		0.05
	Call loan		1,236,001			2.72		0.44			1,581,952			3.20		0.56			1,345,886			3.18		0.50
	Private placement corporate bonds		664,599			5.40		0.23			679,954			6.78		0.24			1,361,495			5.88		0.51
	Credit cards		11,575,449			10.83		4.09			12,076,314			11.14		4.25			12,377,664			10.82		4.62
	Other		6,722,080			5.10		2.38			4,881,932			6.00		1.72			1,963,980			11.42		0.73
	Allowance		(3,338,753	)		—		(1.18	)		(3,514,211	)		—		(1.25	)		(3,654,789	)		—		(1.36	)
Subtotal			252,547,127			4.84		89.26			253,278,970			5.57		89.15			236,110,825			5.83		88.18
Foreign currency	Due from banks		912,808			0.95		0.32			829,485			1.79		0.29			676,389			2.05		0.25
	Securities		1,067,072			2.44		0.38			1,237,230			3.06		0.44			1,693,605			3.82		0.63
	Loans		9,166,924			2.03		3.24			9,746,662			2.24		3.43			9,355,591			2.21		3.49
	Call loan		1,644,782			0.58		0.58			1,728,696			0.70		0.61			1,236,257			0.74		0.46
	Bills bought		2,437,297			1.47		0.86			2,931,390			1.97		1.03			2,432,861			2.08		0.91
	Allowance		(168,442	)		—		(0.06	)		(178,772	)		—		(0.06	)		(206,220	)		—		(0.08	)
	Other		2,162			—		—			1,899			—		0.00			1,270			—		0.00
Subtotal			15,062,603			1.77		5.32			16,296,590			2.09		5.74			15,189,753			2.27		5.66
Other	Cash		1,633,105			—		0.58			1,617,802			—		0.57			1,506,765			—		0.56
	Fixed assets held for business		3,203,734			—		1.13			3,211.797			—		1.13			3,223,574			—		1.20
	Other		10,494,392			—		3.71			9,693,720			—		3.41			11,773,959			—		4.40
Subtotal			15,331,231			—		5.42			14,523,319			—		5.11			16,504,298			—		6.16
Total			282,940,961			—		100.00			284,098,879			—		100.00			267,804,876			—		100.00

Note: Prepared on a consolidated basis.

(1) Restated to reflect adjustments resulting from retrospective application of the amendments to K-IFRS 1110 and 1019.

10

2.3. Other Information to Consider in Making an Investment Decision

2.3.1. Capital Adequacy

KB Financial Group (calculated in accordance with Basel I)			(Unit: in millions of Won, %)
	As of September 30, 2013(1)		As of December 31, 2012		As of December 31, 2011
Total Capital (A)		27,886,469		26,907,004		25,062,681
Risk-weighted assets (B)		193,737,114		193,510,143		192,812,547
BIS ratio (A/B) (2)		14.39		13.90		13.00

Note: Based on K-IFRS (on a consolidated basis).

(1) Preliminary figures.

(2) BIS risk-adjusted capital ratio = (total capital / risk-weighted assets) x 100.

Kookmin Bank (calculated in accordance with Basel II)			(Unit: in billions of Won, %)
	As of September 30, 2013		As of December 31, 2012		As of December 31, 2011
Total Capital (A)		22,246		21,391		19,668
Risk-weighted assets (B)		145,651		148,544		145,185
BIS ratio (A/B)		15.27		14.40		13.55

Note: Based on K-IFRS (on a consolidated basis).

2.3.2. Credit ratings

Date of Rating	Evaluated Securities	Credit Rating	Company (Ratings Range)	Evaluation
06/05/2013 06/05/2013 06/05/2013	Debentures Debentures Debentures	AAA AAA AAA	Korea Ratings (AAA ~ D) KIS Ratings (AAA ~ D) NICE Investors Service (2) (AAA ~ D)	Stable Stable Stable
12/07/2011	Commercial Paper (1)	A1	Korea Ratings (A1 ~ D) KIS Ratings (A1 ~ D) NICE Investors Service (2) (A1 ~ D)	—

(1) Redeemed in full as of September 30, 2013.

(2) Formerly NICE Ratings.

11

3. Financial Information

3.1. Consolidated Condensed Financial Information

3.1.1. Consolidated Statements of Financial Position

	(Unit: in millions of Won, except number of consolidated companies)
	As of September 30, 2013		As of December 31, 2012(1)		As of December 31, 2011		As of December 31, 2010			As of January 1, 2010
Cash and due from financial institutions		14,138,204		10,592,605		9,178,125		6,829,828			9,102,630
Financial assets at fair value through profit or loss		9,115,160		9,559,719		6,326,104		4,013,313			4,592,491
Derivative financial assets		1,805,516		2,091,285		2,448,455		2,595,121			3,392,391
Loans		218,803,586		213,644,791		212,107,027		197,621,004			196,686,844
Financial investments		35,145,618		36,467,352		35,432,182		36,189,650			35,036,710
Investments in associates		845,326		934,641		892,132		723,411			614,717
Property and equipment		3,049,368		3,100,393		3,186,020		3,150,260			3,257,911
Investment property		166,689		52,974		51,552		52,921			67,977
Intangible assets		463,734		493,131		468,441		504,920			402,577
Deferred income tax assets		14,505		18,432		22,329		4,045			16,504
Assets held for sale		49,815		35,412		9,931		9,353			20,160
Other assets		13,360,929		8,760,319		7,478,519		7,076,796			6,968,059
Total assets		296,958,450		285,751,054		277,600,817		258,770,622			260,158,971
Financial liabilities at fair value through profit or loss		904,574		1,851,135		1,388,079		1,294,859			1,364,223
Derivative financial liabilities		1,855,578		2,054,742		2,059,573		2,236,359			3,138,394
Deposits		201,885,322		197,346,205		190,337,590		179,862,071			169,065,043
Debts		14,490,742		15,965,458		16,823,838		11,744,389			13,834,104
Debentures		25,798,932		24,270,212		27,069,879		29,107,316			38,661,962
Provisions		592,272		669,729		797,739		1,020,070			576,154
Net defined benefit liabilities		158,985		83,723		128,488		125,463			167,387
Current income tax liabilities		175,005		264,666		588,825		29,641			99,752
Deferred income tax liabilities		91,208		154,303		220,842		283,575			404,639
Other liabilities		25,645,974		18,327,740		15,086,169		13,400,949			13,416,625
Total liabilities		271,598,592		260,987,913		254,501,022		239,104,692			240,728,283
Equity attributable to shareholders of the Company		25,359,858		24,568,619		22,917,975		18,496,687			18,349,693
Share capital		1,931,758		1,931,758		1,931,758		1,931,758			1,931,758
Capital surplus		15,854,079		15,840,300		15,841,824		15,990,278			15,990,618
Accumulated other comprehensive income		302,830		295,142		191,642		430,572			350,941
Retained earnings		7,271,191		6,501,419		4,952,751		2,620,888			2,553,185
Treasury shares		—		—		—		(2,476,809	)		(2,476,809	)
Non-controlling interests		—		194,522		181,820		1,169,243			1,080,995
Total equity		25,359,858		24,763,141		23,099,795		19,665,930			19,430,688
Total liabilities and equity		296,958,450		285,751,054		277,600,817		258,770,622			260,158,971
Number of consolidated companies		97		77		67		58			50

(1) Restated to reflect adjustments resulting from retrospective application of the amendments to K-IFRS 1110 and 1019.

12

3.1.2. Consolidated Statements of Comprehensive Income

				(Unit: in millions of Won, except per share amounts)
	For the nine months ended September 30, 2013			For the nine months ended September 30, 2012(1)			For the year ended December 31, 2012			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income		4,877,468			5,287,754			7,115,913			7,104,512			6,173,804
Net fee and commission income		1,131,578			1,177,029			1,592,641			1,794,750			1,704,714
Net gains (losses) on financial assets and liabilities at fair value through profit or loss		544,774			850,580			651,203			1,035,867			814,808
Net other operating income (expense)		(894,455	)		(1,103,920	)		(1,455,270	)		(1,092,009	)		(1,067,343	)
General and administrative expenses		(2,958,524	)		(2,924,261	)		(3,885,285	)		(3,931,808	)		(4,366,629	)
Operating profit before provision for credit losses		2,700,841			3,287,182			4,019,202			4,911,312			3,259,354
Provision for credit losses		(1,131,933	)		(1,128,727	)		(1,607,804	)		(1,512,978	)		(2,871,417	)
Net operating profit		1,568,908			2,158,455			2,411,398			3,398,334			387,937
Net non-operating profit (loss)		(122,296	)		(31,807	)		(150,070	)		(137,528	)		(238,569	)
Profit before income tax		1,446,612			2,126,648			2,261,328			3,260,806			149,368
Income tax expense		(441,872	)		(501,627	)		(549,340	)		(832,234	)		70,541
Profit for the period		1,004,740			1,625,021			1,711,988			2,428,572			219,909
Other comprehensive income for the period, net of tax		(24,226	)		171,263			178,967			(235,748	)		99,329
Total comprehensive income for the period		980,514			1,796,284			1,890,955			2,192,824			319,238
Profit attributable to:		1,004,740			1,625,021			1,711,988			2,428,572			219,909
Shareholders of the parent company		1,001,544			1,620,659			1,702,913			2,373,026			146,600
Non-controlling interests		3,196			4,362			9,075			55,546			73,309
Total comprehensive income for the period attributable to:		980,514			1,796,284			1,890,955			2,192,824			319,238
Shareholders of the parent company		1,009,232			1,771,157			1,871,240			2,134,096			226,231
Non-controlling interests		(28,718	)		25,127			19,715			58,728			93,007
Earnings per share
Basic earnings per share (Won)		2,592			4,195			4,408			6,461			427
Diluted earnings per share (Won)		2,583			4,184			4,394			6,445			427

(1) Restated to reflect adjustments resulting from retrospective application of the amendments to K-IFRS 1110 and 1019.

13

3.2. Separate Condensed Financial Information

3.2.1. Separate Statements of Financial Position

									(Unit: in millions of Won)
	As of September 30, 2013			As of December 31, 2012(1)			As of December 31, 2011		As of December 31, 2010		As of January 1, 2010
Cash and due from financial institutions		92,892			96,234			32,031		759,998		845,366
Loans		10,000			25,000			60,000		160,000		170,000
Investments in subsidiaries		18,329,438			17,944,848			17,773,322		17,673,322		17,612,122
Property and equipment		704			351			759		1,109		1,718
Intangible assets		10,818			9,122			10,531		11,057		9,176
Current income tax assets		—			—			—		125,423		—
Deferred income tax assets		3,944			3,800			2,445		898		—
Other assets		232,133			310,673			631,602		48,105		25,932
Total assets		18,679,929			18,390,028			18,510,690		18,779,912		18,664,314
Debts		—			—			130,000		—		—
Debentures		349,105			—			49,988		799,353		798,421
Net defined benefit liabilities		2,946			1,384			992		1,134		1,049
Current income tax liabilities		172,695			257,535			578,729		—		—
Other liabilities		52,125			46,767			34,701		158,304		6,401
Total liabilities		576,871			305,686			794,410		958,791		805,871
Share capital		1,931,758			1,931,758			1,931,758		1,931,758		1,931,758
Capital surplus		13,513,809			13,513,809			13,513,809		13,513,809		13,513,809
Accumulated other comprehensive income (loss)		(2,783	)		(2,780	)		—		—		—
Retained earnings		2,660,274			2,641,555			2,270,713		2,375,554		2,412,876
Total equity		18,103,058			18,084,342			17,716,280		17,821,121		17,858,443
Total liabilities and equity		18,679,929			18,390,028			18,510,690		18,779,912		18,664,314

(1) Restated to reflect adjustments resulting from retrospective application of the amendments to K-IFRS 1019.

14

3.2.2. Separate Statements of Comprehensive Income

				(Unit: in millions of Won, except per share amounts)
	For the nine months ended September 30, 2013			For the nine months ended September 30, 2012(1)			For the year ended December 31, 2012			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income		844			1,700			2,993			(14,572	)		(17,281	)
Net fee and commission income		(4,034	)		(3,110	)		(4,130	)		(6,079	)		(6,951	)
Net other operating income		282,039			687,925			687,925			—			95,305
General and administrative expenses		(27,920	)		(29,732	)		(41,597	)		(41,711	)		(31,187	)
Operating profit (loss) before provision for credit losses		250,929			656,783			645,191			(62,362	)		39,886
Provision for credit losses		—			—			—			—			—
Operating profit (loss)		250,929			656,783			645,191			(62,362	)		39,886
Net non-operating income (expense)		(542	)		521			(312	)		(2,863	)		792
Profit (loss) before tax		250,387			657,304			644,879			(65,225	)		40,678
Income tax benefit (expense)		143			797			1,356			1,547			897
Profit (loss) for the period		250,530			658,101			646,235			(63,678	)		41,575
Other comprehensive income (loss) for the period, net of tax		(3	)		(19	)		—			—			—
Total comprehensive income (loss) for the period		250,527			658,082			646,235			(63,678	)		41,575
Earnings (loss) per share
Basic earnings (loss) per share (Won)		648			1,703			1,673			(173	)		121
Diluted earnings (loss) per share (Won)		646			1,699			1,668			(173	)		121

(1) Restated to reflect adjustments resulting from retrospective application of the amendments to K-IFRS 1019.

15

3.3. Other Selected Financial Data

3.3.1. Won-denominated Liquidity Ratio

				(Unit: in billions of Won, %)
Category	As of September 30, 2013			As of December 31, 2012			As of December 31, 2011
Current assets in Won (A)		96.9			96.2			20.1
Current liabilities in Won (B)		4.8			1.6			2.6
Current ratio (A/B)		2,014.24	%		6,100.82	%		766.16	%

Notes:

– Based on K-IFRS (on a separate basis).

– Calculated based on Won-denominated assets and liabilities due within one month (in accordance with an amendment to the Financial Holding Company Act).

3.3.2. Selected ratios

		(Unit: %)
Category	For the nine months ended September 30, 2013(1)	For the year ended December 31, 2012		For the year ended December 31, 2011
Net income as a percentage of average total assets	0.46		0.60		0.88
Net income as a percentage of average shareholders’ equity	5.35		7.16		11.36

Note: Based on K-IFRS (on a consolidated basis).

(1) Annualized.

16

3.3.3. 20 Largest Exposures of Kookmin Bank by Borrower

	(As of September 30, 2013)
Company	Credit extended
	(Unit: in billions of Won)
Hyundai Heavy Industries Co., Ltd.		1,365
Hyundai Steel Co., Ltd.		1,019
Daewoo Shipbuilding & Marine Engineering Co., Ltd.		817
Samsung Electronics Co., Ltd.		812
Samsung Display Co., Ltd.		598
Hyundai Capital Services, Inc.		572
GS Caltex Corporation		538
KT Corporation		461
LG Electronics Inc.		440
Samsung Heavy Industries Co., Ltd.		440
SK Energy Co., Ltd.		401
Bank of China HQ		382
S-Oil Corporation		366
Korean Air Lines Co., Ltd.		354
POSCO		329
Daewoo International Corporation		326
Hankook Tire Co., Ltd.		322
SPP Shipbuilding Co., Ltd.		321
China Construction Bank Corporation		307
Shinhan Financial Group Co., Ltd.		301
Total		10,471

Note: Calculated in accordance with the Detailed Regulations on Supervision of Banking Business.

17

3.3.4. 10 Largest Exposures of Kookmin Bank by Chaebol Group

	(As of September 30, 2013)
Group	Credit extended
	(Unit: in billions of Won)
Samsung		3,705
Hyundai Motor		3,487
Hyundai Heavy Industries		2,087
SK		1,914
LG		1,700
POSCO		1,202
GS		1,021
Daewoo Shipbuilding & Marine Engineering		865
Hanwha		863
LS		708
Total		17,552

Note: Calculated in accordance with the Detailed Regulations on Supervision of Banking Business.

3.3.5. Kookmin Bank’s Loan Concentration by Industry

	(As of September 30, 2013)
Industry	Total Credit		Percentage of Total Credit
	(Unit: in billions of Won, %)
Manufacturing		35,666		35.54	%
Construction		5,434		5.41
Real estate		16,496		16.44
Retail and wholesale		16,012		15.96
Accommodation and food service		6,408		6.39
Financial institutions		1,753		1.75
Other		18,569		18.51
Total		100,338		100.00	%

18

3.3.6. Top 20 Non-Performing Loans of Kookmin Bank

		(As of September 30, 2013)
	Industry	Total Credit		Allowance for Loan Losses
	(Unit: in billions of Won)
Borrower A	Shipbuilding		384		229
Borrower B	Shipbuilding		175		137
Borrower C	Shipbuilding		114		30
Borrower D	Construction		65		64
Borrower E	Real estate and leasing		61		22
Borrower F	Real estate and leasing		49		1
Borrower G	Transportation		47		6
Borrower H	Construction		45		36
Borrower I	Construction		42		41
Borrower J	Construction		39		39
Borrower K	Real estate and leasing		37		19
Borrower L	Arts, sports and recreation related services		37		3
Borrower M	Electricity, gas, steam and water supply		35		21
Borrower N	Manufacturing		29		5
Borrower O	Shipbuilding		29		9
Borrower P	Manufacturing		26		25
Borrower Q	Arts, sports and recreation related services		26		18
Borrower R	Construction		25		20
Borrower S	Real estate and leasing		25		2
Borrower T	Professional, scientific and technical activities		24		22
Total			1,314		749

3.4. Other Financial Information

See Exhibits 99.1 and 99.2 attached hereto for our full consolidated and separate financial statements and relevant notes, which have been prepared in accordance with K-IFRS and reviewed by our independent auditors as stated in their review reports. The review reports will also be available on our website at www.kbfg.com.

19

4. Independent Public Accountants

4.1. Audit / Review Services

Period	Auditor	Activity	Compensation(1) (in millions of Won)	Accrued Time (hours)
January 1 to September 30, 2013	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system, and PCAOB audit of consolidated financial statements and internal control over financial reporting	1,219 (annualized basis)	5,236
January 1 to December 31, 2012	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system, and PCAOB audit of consolidated financial statements and internal control over financial reporting	1,150	15,216
January 1 to December 31, 2011	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system and PCAOB audit of consolidated financial statements and internal control over financial reporting	1,150	15,000

(1) Excluding value-added taxes.

4.2. Non-Audit Services

(Unit: millions of Won)
Period	Contract date		Activity		Service period		Compensation(1)
January 1 to September 30, 2013		—		—		—		—
January 1 to December 31, 2012		—		—		—		—
January 1 to December 31, 2011		—		—		—		—

(1) Excluding value-added taxes.

20

5. Corporate Governance and Affiliated Companies

5.1. Board of Directors & Committees under the Board

As of September 30, 2013, the board of directors consisted of one executive director and nine non-executive directors. The following committees currently serve under our board of directors:

• the Board Steering Committee;

• the Audit Committee;

• the Management Strategy Committee;

• the Risk Management Committee;

• the Evaluation and Compensation Committee;

• the Non-Executive Director Nominating Committee; and

• the Audit Committee Member Nominating Committee.

For the list of our directors, see 6. Directors, Senior Management and Employees, 6.1. Executive Directors, 6.2. Non-Standing Directors and 6.3. Non-Executive Directors below.

5.2. Audit Committee

The audit committee oversees our financial reporting and approves the appointment of our independent registered public accounting firm. The committee also reviews our financial information, auditor’s examinations, key financial statement issues, the plans and evaluation of internal control and the administration of our financial affairs by the board of directors. In connection with the general meetings of shareholders, the committee examines the agenda for, and financial statements and other reports to be submitted by, the board of directors to each general meeting of shareholders. The committee holds regular meetings every quarter.

5.3. Compensation to Directors

5.3.1. Compensation to Directors (including Non-executive Directors) and Audit Committee Members

Total Amount Approved at the Meeting of Shareholders

(Unit: in millions of Won)
	Total number of persons (1)		Total amount approved at shareholders’ meeting(1)(2)		Notes
Registered Directors (including non-executive directors and audit committee members)		13		5,000		—

(1) Includes Vaughn Richtor, who resigned his post as a non-standing director of the Company on February 19, 2013.

(2) Represents the aggregate amount for all directors (including non-executive directors). Excludes long-term incentives.

21

Total Amount Paid as of September 30, 2013

(Unit: in millions of Won)
	Total number of persons(1)		Total payment (2)(4)(5)(6)		Average payment per person (3)		Total amount of fair value of stock options		Notes
Registered Directors (excluding non-executive directors)		1		1,027		413		—		—
Non-executive Directors (excluding audit committee members)		4		280		70		—		—
Audit committee members or internal auditor		5		355		71		—		—
Total		10		1,662		166		—		—

(1) Represents the total number of applicable persons as of September 30, 2013.

(2) Represents the total amount paid (rounded to the nearest million) during the nine months ended September 30, 2013.

(3) Represents (i) the total amount paid (rounded to the nearest million) during the nine months ended September 30, 2013, divided by (ii) the annualized number of applicable persons.

(4) Payment subject to the Company's internal policies on compensation to directors.

(5) In addition to the total payments as presented in the above table, we recorded a reversal of Won 1,499 million in our income statement for the nine months ended September 30, 2013 with respect to performance-based stock grants, the payment and amount of which are determined in accordance with the performance of the grantees.

(i) Stock grants were measured at fair value using the Monte Carlo Simulation Model and the following assumptions were used in fair value measurements:

(Unit: in Won)
Series	Expected exercise period (Years)	Risk free rate (%)		Fair value (Market performance condition)		Fair value (Non-market performance condition)
Series 2-3	0.47		2.64		—	37,327
Series 4-1	0.78~2.78		2.64		—	38,038~38,996
Series 4-2	0.78~2.78		2.64		—	38,038~38,996

(ii) Expected volatility is based on the historical volatility of the stock price over the most recent period that is generally commensurate with the expected term of the grant. The current stock price as of September 30, 2013 was used as the underlying asset price in estimating fair value. In addition, the average three-year historical dividend rate was used as the expected dividend rate in measuring fair value.

(6) In addition to the total payments as presented in the above table, a total of Won 969 million was paid in the first quarter of 2013 with respect to short-term performance-based compensation.

5.4. Affiliated Companies

5.4.1. List of Affiliated Companies

Affiliated companies of KB Financial Group that are first-tier subsidiaries and KB Financial Group’s ownership of such companies as of September 30, 2013 are as follows.

• Kookmin Bank (100.00%)

• KB Kookmin Card Co., Ltd. (100.00%)

• KB Investment & Securities Co., Ltd. (100.00%)

22

• KB Life Insurance Co., Ltd. (100.00%)

• KB Asset Management Co., Ltd. (100.00%)

• KB Real Estate Trust Co., Ltd. (100.00%)

• KB Investment Co., Ltd. (100.00%)

• KB Credit Information Co., Ltd. (100.00%)

• KB Data Systems Co., Ltd. (100.00%)

• KB Savings Bank Co., Ltd. (100.00%)

• Yehansoul Savings Bank (100.00%)

6. Directors, Senior Management and Employees

6.1. Executive Directors

As of September 30, 2013, we had one executive director. The name and position of our executive director and the number of shares of KB Financial Group’s common stock he owned as of September 30, 2013 are set forth below.

Name	Date of Birth	Position	Common Shares Owned
Young-Rok Lim	March 1955	Chairman & Chief Executive Officer		3,648

6.2. Non-Standing Directors

We currently have no non-standing director.

6.3. Non-Executive Directors

Our non-executive directors and the number of shares of KB Financial Group’s common stock they respectively owned as of September 30, 2013 are as follows.

Name	Date of Birth	Position	Common Shares Owned
Kyung Jae Lee	January 1939	Non-Executive Director		—
Jae Wook Bae	March 1945	Non-Executive Director		—
Young Jin Kim	December 1949	Non-Executive Director		—
Kun Ho Hwang	January 1951	Non-Executive Director		—
Jong Cheon Lee	February 1951	Non-Executive Director		—
Seung Hee Koh	June 1955	Non-Executive Director		—
Young Kwa Kim	December 1955	Non-Executive Director		—
Young Nam Lee	September 1957	Non-Executive Director		—
Jae Mok Cho	January 1961	Non-Executive Director		—

23

6.4. Senior Management

In addition to our executive director who is also our executive officer, we currently have the following nine executive officers as of September 30, 2013.

Name	Date of Birth	Position	Common Shares Owned
Woong-Won Yoon	February 1960	Deputy President & Chief Financial Officer		300
Yong Soo Kim	February 1961	Deputy President & Chief Public Relations Officer		—
Min Ho Lee	April 1965	Deputy President & Chief Compliance Officer		1,700
Ki-Bum Lee	November 1957	Senior Managing Director & Chief Risk Officer		600
Jae-Youl Kim	October 1969	Senior Managing Director & Chief Information Officer		904
Ihn-Sung Song	October 1963	Managing Director & Chief Human Resources Officer		721
Kyu Sul Choi	August 1960	Managing Director & Head of Investor Relations		836
Moon-Il Baek	January 1964	Managing Director & Head of Public Relations		—
Kyung Yup Cho	September 1961	Managing Director & Head of KB Research		—

6.5. Employees

The following table shows the breakdown of our employees as of September 30, 2013.

(Unit: in millions of Won)
	Number of Employees		Average Tenure of Employees (months)		Total Payment(1)		Average Payment per Person (2)
Total		151		28 months		12,338		82

(1) Represents the total amount paid for the nine months ended September 30, 2013.

(2) Represents (i) the total amount paid for the nine months ended September 30, 2013 divided by (ii) the total number of employees as of September 30, 2013.

7. Major Shareholders and Related Party Transactions

7.1. Major Shareholders

The following table presents information regarding holders of 5% or more of our total issued shares as of September 30, 2013.

(Unit: Shares, %)
Name	Number of Shares of Common Stock		Percentage of Total Issued Shares
Korean National Pension Service(1)		35,699,841		9.24
The Bank of New York Mellon Corporation(2)(3)		32,757,442		8.48

(1) The number of shares of common stock held by Korean National Pension Service as of July 23, 2013, based on a public filing made by the Korean National Pension Service on October 8, 2013.

(2) Depositary under the Company’s ADR program.

(3) The number of shares of common stock held by The Bank of New York Mellon Corporation as of June 12, 2013, based on our shareholder registry as of such date.

24

7.2. Changes in the Largest Shareholder

(As of September 30, 2013)			(Unit: Shares, %)
Name of Largest Shareholder	Date of Change in Largest Shareholder/ Date of Change in Ownership Level		Number of Shares of Common Stock		Percentage of Total Issued Shares(1)
Korean National Pension Service		September 30, 2008		17,910,781		5.03
ING Bank N.V.		October 20, 2008		18,045,337		5.06
Korean National Pension Service		October 31, 2008		21,675,810		6.08
Korean National Pension Service		December 31, 2008		23,284,404		6.53
Korean National Pension Service		February 4, 2009		23,271,087		6.53
Korean National Pension Service		March 27, 2009		22,548,541		6.33
Korean National Pension Service		May 29, 2009		19,653,362		5.52
Korean National Pension Service		July 27, 2009		19,673,220		5.52
Korean National Pension Service		September 2, 2009		21,199,372		5.49
Korean National Pension Service		December 7, 2009		20,321,051		5.26
Korean National Pension Service		December 31, 2009		20,046,217		5.19
ING Bank N.V.		January 22, 2010		19,401,044		5.02
Korean National Pension Service		July 8, 2011		23,650,699		6.12
Korean National Pension Service		December 31, 2011		26,510,171		6.86
Korean National Pension Service		March 14, 2012		27,894,880		7.22
Korean National Pension Service		August 1, 2012		31,817,770		8.24
Korean National Pension Service		December 31, 2012		33,158,257		8.58
Korean National Pension Service		June 12, 2013		34,479,641		8.92
Korean National Pension Service		July 23, 2013		35,699,841		9.24

Note: The date of change in largest shareholder / change in ownership level is the date as indicated on the public filing disclosing relevant changes in shareholdings in the Company.

(1) Based on 386,351,693 total issued shares of common stock for dates on or after September 2, 2009, and 356,351,693 total issued shares of common stock for dates on or prior to July 27, 2009.

7.3. Employee Stock Ownership Association

(As of September 30, 2013)	(Unit: Shares)
Company Name	Number of shares		Type of shares
KB Financial Group		17,721		Common Stock
Kookmin Bank		2,753,429		Common Stock
KB Kookmin Card Co., Ltd.		130,974		Common Stock
KB Investment & Securities Co., Ltd.		20,915		Common Stock
KB Life Insurance Co., Ltd.		18,088		Common Stock
KB Asset Management Co., Ltd.		5,905		Common Stock
KB Real Estate Trust Co., Ltd.		11,881		Common Stock
KB Investment Co., Ltd.		3,892		Common Stock
KB Credit Information Co., Ltd.		12,583		Common Stock
KB Data Systems Co., Ltd.		19,033		Common Stock
KB Savings Bank Co., Ltd.		2,325		Common Stock
Total		2,996,746		Common Stock

25

7.4. Investments in Certain Affiliated Companies

(As of September 30, 2013)							(Units: shares, millions of Won, %)
Name	Ending Balance						Total Assets as of the latest fiscal year(1)		Net Income (loss) for the latest fiscal year(1)			Notes
	Number of shares		Shareholding percentage		Book value
Kookmin Bank(2)		404,379,116		100		14,821,721		258,555,016		1,299,589			(6	)
KB Kookmin Card Co., Ltd. (2)		92,000,000		100		1,953,175		14,046,164		291,173			(6	)
KB Investment & Securities Co., Ltd.(3)		31,588,314		100		507,212		3,834,076		19,315			(7	)
KB Life Insurance Co., Ltd. (4)		91,200,000		100		485,314		6,302,134		9,326			(7	)
KB Asset Management Co., Ltd.		7,667,550		100		96,312		170,493		36,247			(7	)
KB Real Estate Trust Co., Ltd.		16,000,000		100		121,553		201,572		21,446			(6	)
KB Investment Co., Ltd.		8,951,797		100		104,910		134,005		6,832			(6	)
KB Credit Information Co., Ltd.		1,252,400		100		23,621		30,422		331			(6	)
KB Data Systems Co., Ltd.		800,000		100		6,334		25,519		(1,461	)		(6	)
KB Savings Bank Co., Ltd.(5)		6,800,000		100		171,526		680,266		(28,299	)		(8	)
Yehansoul Savings Bank		8,748,793		100		37,760		—		—
Total		669,387,970		—		18,329,438		—		—

(1) Based on K-IFRS (on a separate basis), other than figures for KB Savings Bank Co., Ltd and Yehansoul Savings Bank, which are based on K-GAAP.

(2) KB Kookmin Card Co., Ltd. was newly established on March 2, 2011 to operate the credit card business previously operated by Kookmin Bank.

(3) KB Futures Co., Ltd. was merged into KB Investment & Securities Co., Ltd. on March 14, 2011.

(4) Reflects an increase in the number of common shares following the acquisition by the Company of the remaining shares from ING Bank N.V. on June 20, 2013 as well as a rights offering by KB Life Insurance Co., Ltd. on July 30, 2013.

(5) KB Savings Bank Co., Ltd. was added as a first-tier subsidiary on January 2, 2012, and completed a rights offering on January 14, 2012.

(6) As of or for the year ended December 31, 2012.

(7) As of March 31, 2013 or for the period from April 1, 2012 to March 31, 2013.

(8) As of June 30, 2013 or for the period from July 1, 2012 to June  30, 2013.

7.5. Related Party Transactions

7.5.1. Prepayments and Loans to Subsidiaries

(Unit: in billions of Won)
Name	Relationship	Account	Loan Amount		Current Balance		Interest Rate	Maturity
KB Investment Co., Ltd.	Subsidiary	Loans		20		10	CD 3M + 138 bps	June 29, 2014

26

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	KB Financial Group Inc. (Registrant)
Date: November 14, 2013	By: /s/ Woong-Won Yoon
	(Signature)
	Name: Woong-Won Yoon
	Title: Deputy President & CFO

27