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 August 2014

Commission File Number: 000-53445

KB Financial Group Inc.

(Translation of registrant’s name into English)

84, 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 the 2014 First Half Business Report

2. Exhibit 99.1 KB Financial Group Review Report for the First Half of 2014 (Consolidated)

3. Exhibit 99.2 KB Financial Group Review Report for the First Half of 2014 (Separate)

2

TABLE OF CONTENTS

1.	Introduction to the Company	5
1.1.	Business Purpose	5
1.2.	History	5
1.3.	Overview of the Business Group	7
1.4.	Capital Structure	8
1.5.	Dividends	8
2.	Business	9
2.1.	Results of Operations	9
2.2.	Sources and Uses of Funds	10
2.3.	Other Information to Consider in Making an Investment Decision	12
3.	Financial Information	13
3.1.	Consolidated Condensed Financial Information	13
3.2.	Separate Condensed Financial Information	15
3.3.	Other Selected Financial Data	17
3.4.	Other Financial Information	20
4.	Independent Public Accountants	21
5.	Corporate Governance and Affiliated Companies	21
5.1.	Board of Directors & Committees under the Board	21
5.2.	Audit Committee	22
5.3.	Compensation to Directors	22
5.4.	Affiliated Companies	23
6.	Directors, Senior Management and Employees	24
6.1.	Executive Directors	24
6.2.	Non-Executive Directors	24
6.3.	Senior Management	25
6.4.	Employees	25
7.	Major Shareholders and Related Party Transactions	25
7.1.	Major Shareholders	25
7.2.	Changes in the Largest Shareholder	26
7.3.	Employee Stock Ownership Association	26
7.4.	Investments in Certain Affiliated Companies	27
7.5.	Related Party Transactions	27

3

Summary of 2014 First Half Business Report

On August 14, 2014, KB Financial Group Inc. (“KB Financial Group”) filed its business report for the first Half of 2014 (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.

4

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

5

• 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

• January 13, 2014

Yehansoul Savings Bank was merged into KB Savings Bank Co., Ltd.

• March 20, 2014

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

6

1.3. Overview of the Business Group

(As of June 30, 2014)
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 Capital Co., Ltd.	KB Financial Group	Listed
	KB Savings Bank 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
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:

(1) KLB Securities, a subsidiary of Kookmin Bank, has been liquidated.

(2) 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.

(3) 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.

(4) On November 12, 2011, KB Investment & Securities Hong Kong Ltd. was closed.

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

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

(7) On June 8, 2012, Burrill-KB Life Sciences Fund Ltd. was liquidated.

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

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

(10) On September 2, 2013, Yehansoul Savings Bank was added as a first-tier subsidiary. (On January 13, 2014, Yehansoul Savings Bank was merged into KB Savings Bank Co., Ltd. Accordingly, Yehansoul Savings Bank is no longer a first-tier subsidiary of KB Financial Group.)

(11) On March 20, 2014, KB Capital Co., Ltd. was added as a first-tier subsidiary.

7

1.4. Capital Structure

1.4.1. Common Shares

Capital Increase

(As of June 30, 2014)								(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 June 30, 2014)			(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

1.4.2. Voting Rights

(As of June 30, 2014)
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, 2013 to December 31, 2013(1)(2)		January 1, 2012 to December 31, 2012(1)(3)		January 1, 2011 to December 31, 2011(1)
Par value per share (Won)			5,000		5,000		5,000
Net income (Won in Millions)			195,826		647,097		(63,678	)
Earnings per share (Won)			507		1,675		(173	)
Total cash dividends (Won in Millions)			193,176		231,811		278,173
Total stock dividends (Won in Millions)			—		—		—
Cash dividend payout ratio (%)			98.6		35.8		(436.8	)
Cash dividend yield (%)	Common Shares		1.2		1.6		1.9
	—		—		—		—
Stock dividend yield (%)	Common Shares		—		—		—
	—		—		—		—
Cash dividend per share (Won)	Common Shares		500		600		720
	—		—		—		—
Stock dividend per share (Shares)	Common Shares		—		—		—
	—		—		—		—

8

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

(2) Dividend payout ratio on a consolidated basis for the year ended December 31, 2013 was 15.3%.

(3) Restated to reflect adjustments resulting from retroactive application of amendments to K-IFRS 1019.

2. Business

2.1. Results of Operations

	(Unit: in millions of Won)
	For the six months ended June 30, 2014			For the six months ended June 30, 2013			For the year ended December 31, 2013			For the year ended December 31, 2012(1)
Net interest income		3,150,792			3,300,066			6,522,832			7,037,783
Interest income		5,847,816			6,282,344			12,356,930			14,210,106
Interest expense		(2,697,024	)		(2,982,278	)		(5,834,098	)		(7,172,323	)
Net fee and commission income		665,501			759,153			1,479,239			1,566,706
Fee and commission income		1,271,352			1,310,238			2,657,365			2,753,876
Fee and commission expense		(605,851	)		(551,085	)		(1,178,126	)		(1,187,170	)
Net gains (losses) on financial assets/liabilities at fair value through profit or loss		169,727			324,309			756,822			811,964
Net other operating income (expenses)		(363,674	)		(720,588	)		(1,304,765	)		(1,531,942	)
General and administrative Expenses		(1,999,994	)		(2,001,008	)		(3,983,564	)		(3,845,610	)
Operating profit before provision for credit losses		1,622,352			1,661,932			3,470,564			4,038,901
Provision for credit losses		(613,219	)		(677,572	)		(1,443,572	)		(1,606,703	)
Net operating profit		1,009,133			984,360			2,026,992			2,432,198

* Note: Prepared on a consolidated basis.

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

9

2.2. Sources and Uses of Funds

2.2.1. Sources of Funds

(Unit: in millions of Won, %)
		For the six months ended June 30, 2014						For the year ended December 31, 2013						For the year ended December 31, 2012(1)
		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)
Won Currency	Deposits		184,074,998		2.28		63.70		180,330,345		2.49		63.46		181,850,183		3.10		64.01
	Certificate of deposit		1,775,705		2.76		0.61		1,780,230		3.01		0.63		1,734,611		3.88		0.61
	Borrowings		5,317,975		2.58		1.84		5,187,862		2.58		1.83		5,308,486		2.86		1.87
	Call money		3,887,590		2.48		1.35		3,716,812		2.57		1.31		3,562,595		3.02		1.25
	Debentures		24,317,111		4.21		8.42		22,072,602		4.31		7.77		21,002,427		5.17		7.39
	Other		3,120,532		2.85		1.08		3,199,161		2.74		1.13		3,188,139		3.59		1.12
Subtotal			222,493,911		2.51		77.00		216,287,012		2.69		76.13		216,646,441		3.30		76.25
Foreign currency	Deposits		5,107,655		0.51		1.77		5,172,485		0.79		1.82		5,289,517		0.97		1.86
	Borrowings		6,139,473		0.54		2.12		6,961,080		0.59		2.45		8,399,079		0.91		2.96
	Call money		1,110,028		0.32		0.38		961,747		0.41		0.34		1,224,909		0.55		0.43
	Debentures		3,372,949		3.87		1.17		3,248,259		7.33		1.14		3,549,616		4.96		1.25
	Other		262,559		1.03		0.09		260,195		1.14		0.09		203,426		1.34		0.07
Subtotal			15,992,664		1.22		5.53		16,603,766		1.97		5.84		18,666,547		1.68		6.57
Other	Total shareholders’ equity		26,023,764		—		9.01		25,499,740		—		8.97		24,431,702		—		8.61
	Allowances		737,392		—		0.26		736,008		—		0.26		901,913		—		0.32
	Other		23,724,852		—		8.20		25,043,332		—		8.80		23,452,276		—		8.25
Subtotal			50,486,007		—		17.47		51,279,080		—		18.03		48,785,891		—		17.18
Total			288,972,582		—		100.00		284,169,858		—		100.00		284,098,879		—		100.00

Note: Prepared on a consolidated basis.

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

10

2.2.2. Uses of Funds

		For the six months ended June 30, 2014								For the year ended December 31, 2013								For the year ended December 31, 2012(1)
		Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)
Won currency	Due from banks		6,201,101			2.68		2.15			4,921,197			2.75		1.73			3,978,175			3.66		1.40
	Securities		44,040,087			3.82		15.24			45,223,896			3.63		15.91			45,292,632			4.39		15.94
	Loans		192,261,126			4.26		66.53			186,666,145			4.62		65.69			188,233,803			5.43		66.27
	Guarantee payments under payment guarantee		48,527			0.35		0.02			48,836			1.34		0.02			68,419			0.73		0.02
	Call loan		583,489			2.46		0.20			1,113,932			2.76		0.39			1,581,952			3.20		0.56
	Private placement corporate bonds		685,408			4.93		0.24			669,077			5.34		0.24			679,954			6.78		0.24
	Credit cards		11,204,883			10.13		3.88			11,608,865			10.70		4.09			12,076,314			11.14		4.25
	Other		8,426,341			5.54		2.92			7,005,212			5.75		2.46			4,881,932			6.00		1.72
	Allowance		(2,879,719	)		—		(1.00	)		(3,337,963	)		—		(1.17	)		(3,514,211	)		—		(1.25	)
Subtotal			260,571,243			4.49		90.18			253,919,197			4.77		89.36			253,278,970			5.57		89.15
Foreign currency	Due from banks		1,251,919			1.78		0.43			984,258			1.10		0.35			829,485			1.79		0.29
	Securities		791,306			3.19		0.27			1,039,047			2.38		0.37			1,237,230			3.06		0.44
	Loans		8,258,094			1.92		2.86			9,151,081			1.99		3.22			9,746,662			2.24		3.43
	Call loan		2,351,821			0.79		0.81			1,778,838			0.55		0.62			1,728,696			0.70		0.61
	Bills bought		2,281,700			1.32		0.79			2,357,512			1.46		0.83			2,931,390			1.97		1.03
	Allowance		(200,289	)		—		(0.07	)		(166,194	)		—		(0.06	)		(178,772	)		—		(0.06	)
	Other		2,749			—		0.00			2,354			—		0.00			1,899			—		0.00
Subtotal			14,737,300			1.73		5.09			15,146,896			1.73		5.33			16,296,590			2.09		5.74
Other	Cash		1,633,034			—		0.57			1,629,765			—		0.57			1,617,802			—		0.57
	Fixed assets held for business		3,177,801			—		1.10			3,190,345			—		1.12			3,211,797			—		1.13
	Other		8,853,204			—		3.06			10,283,655			—		3.62			9,693,720			—		3.41
Subtotal			13,664,039			—		4.73			15,103,765			—		5.31			14,523,319			—		5.11
Total			288,972,582			—		100.00			284,169,858			—		100.00			284,098,879			—		100.00

Note: Prepared on a consolidated basis.

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

11

2.3. Other Information to Consider in Making an Investment Decision

2.3.1. Capital Adequacy

KB Financial Group	(Unit: in millions of Won, %)
	As of June 30, 2014(1) (2)		As of December 31, 2013(2)		As of December 31, 2012(3)
Total Capital (A)		27,679,183		27,296,535		26,907,004
Risk-weighted assets (B)		180,339,496		177,514,060		193,510,143
BIS ratio (A/B)(4)		15.35		15.38		13.90

(1) Preliminary figures

(2) Calculated in accordance with Basel III

(3) Calculated in accordance with Basel I

(4) BIS risk-adjusted capital ratio = (total capital / risk-weighted assets) X 100.

Kookmin Bank	(Unit: in billions of Won, %)
	As of June 30, 2014(1)		As of December 31, 2013(1)		As of December 31, 2012 (2)
Total Capital (A)		22,867		22,624		21,391
Risk-weighted assets (B)		146,217		146,743		148,544
BIS ratio (A/B)		15.64		15.42		14.40

(1) Calculated in accordance with Basel III

(2) Calculated in accordance with Basel II

2.3.2. Credit ratings

Date of Rating	Evaluated Securities	Credit Rating	Company (Ratings Range)	Evaluation
03/14/2014 03/14/2014 03/14/2014	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 June 30, 2014.

(2) Formerly NICE Ratings.

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3. Financial Information

3.1. Consolidated Condensed Financial Information

3.1.1. Consolidated Statements of Financial Position

	(Unit: in millions of Won)
	As of June 30, 2014		As of December 31, 2013		As of December 31, 2012(1)		As of December 31, 2011		As of December 31, 2010
Cash and due from financial institutions		15,587,672		14,792,654		10,592,605		9,178,125		6,829,828
Financial assets at fair value through profit or loss		8,715,736		9,328,742		9,559,719		6,326,104		4,013,313
Derivative financial assets		2,002,207		1,819,409		2,091,285		2,448,455		2,595,121
Loans		224,421,337		219,001,356		213,644,791		212,107,027		197,621,004
Financial investments		34,505,461		34,849,095		36,467,352		35,432,182		36,189,650
Investments in associates		691,552		755,390		934,641		892,132		723,411
Property and equipment		3,006,252		3,060,843		3,100,393		3,186,020		3,150,260
Investment property		162,829		166,259		52,974		51,552		52,921
Intangible assets		462,678		443,204		493,131		468,441		504,920
Deferred income tax assets		17,669		15,422		18,432		22,329		4,045
Assets held for sale		63,651		37,718		35,412		9,931		9,353
Other assets		9,461,041		7,568,063		8,760,319		7,478,519		7,076,796
Total assets		299,098,085		291,838,155		285,751,054		277,600,817		258,770,622
Financial liabilities at fair value through profit or loss		1,393,830		1,115,202		1,851,135		1,388,079		1,294,859
Derivative financial liabilities		1,777,384		1,795,339		2,054,742		2,059,573		2,236,359
Deposits		205,360,093		200,882,064		197,346,205		190,337,590		179,862,071
Debts		16,344,681		14,101,331		15,965,458		16,823,838		11,744,389
Debentures		26,460,972		27,039,534		24,270,212		27,069,879		29,107,316
Provisions		636,962		678,073		669,729		797,739		1,020,070
Defined benefit liabilities		139,503		64,473		83,723		128,488		125,463
Current income tax liabilities		130,183		211,263		264,666		588,825		29,641
Deferred income tax liabilities		151,028		61,816		154,303		220,842		283,575
Other liabilities		20,269,187		20,236,229		18,327,740		15,086,169		13,400,949
Total liabilities		272,663,823		266,185,324		260,987,913		254,501,022		239,104,692
Equity attributable to shareholders of the Company		26,242,920		25,652,831		24,568,619		22,917,975		18,496,687
Share capital		1,931,758		1,931,758		1,931,758		1,931,758		1,931,758
Capital surplus		15,854,605		15,854,605		15,840,300		15,841,824		15,990,278
Accumulated other comprehensive income		354,365		336,312		295,142		191,642		430,572
Retained earnings		8,102,192		7,530,156		6,501,419		4,952,751		2,620,888
Treasury shares		—		—		—		—		(2,476,809	)
Non-controlling interests		191,342		—		194,522		181,820		1,169,243
Total equity		26,434,262		25,652,831		24,763,141		23,099,795		19,665,930
Total liabilities and equity		299,098,085		291,838,155		285,751,054		277,600,817		258,770,622
Number of consolidated companies		98		100		93		67		58

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

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3.1.2. Consolidated Statements of Comprehensive Income

	(Unit: in millions of Won, except per share amounts)
	For the six months ended June 30, 2014			For the six months ended June 30, 2013			For the year ended December 31, 2013			For the year ended December 31, 2012(1)			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income		3,150,792			3,300,066			6,522,832			7,037,783			7,104,512			6,173,804
Net fee and commission income		665,501			759,153			1,479,239			1,566,706			1,794,750			1,704,714
Net gains (losses) on financial assets/liabilities at fair value through profit or loss		169,727			324,309			756,822			811,964			1,035,867			814,808
Net other operating income (loss)		(363,674	)		(720,588	)		(1,304,765	)		(1,531,942	)		(1,092,009	)		(1,067,343	)
General and administrative expenses		(1,999,994	)		(2,001,008	)		(3,983,564	)		(3,845,610	)		(3,931,808	)		(4,366,629	)
Operating profit before provision for credit losses		1,622,352			1,661,932			3,470,564			4,038,901			4,911,312			3,259,354
Provision for credit losses		(613,219	)		(677,572	)		(1,443,572	)		(1,606,703	)		(1,512,978	)		(2,871,417	)
Net operating profit		1,009,133			984,360			2,026,992			2,432,198			3,398,334			387,937
Net non-operating profit(loss)		11,539			(113,221	)		(211,701	)		(133,554	)		(137,528	)		(238,569	)
Profit before income tax		1,020,672			871,139			1,815,291			2,298,644			3,260,806			149,368
Income tax benefit (expense)		(248,750	)		(292,965	)		(551,586	)		(558,511	)		(832,234	)		70,541
Profit for the period		771,922			578,174			1,263,705			1,740,133			2,428,572			219,909
Other comprehensive income (loss) for the year, net of tax		17,990			(13,284	)		26,902			144,719			(235,748	)		99,329
Total comprehensive income for the period		789,912			564,890			1,290,607			1,884,852			2,192,824			319,238
Profit attributable to:		771,922			578,174			1,263,705			1,740,133			2,428,572			219,909
Shareholders of the parent company		765,212			574,978			1,260,509			1,731,034			2,373,026			146,600
Non-controlling interests		6,710			3,196			3,196			9,099			55,546			73,309
Total comprehensive income for the period attributable to:		789,912			564,890			1,290,607			1,884,852			2,192,824			319,238
Shareholders of the parent company		783,265			593,608			1,301,679			1,865,137			2,134,096			226,231
Non-controlling interests		6,647			(28,718	)		(11,072	)		19,715			58,728			93,007
Earnings per share
Basic earnings per share (Won)		1,981			1,488			3,263			4,480			6,461			427
Diluted earnings per share (Won)		1,974			1,483			3,249			4,467			6,445			427

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

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3.2. Separate Condensed Financial Information

3.2.1. Separate Statements of Financial Position

	(Unit: in millions of Won)
	As of June 30, 2014			As of December 31, 2013			As of December 31, 2012(1)			As of December 31, 2011		As of December 31, 2010
Cash and due from financial institutions		61,349			77,298			96,234			32,031		759,998
Loans		10,000			10,000			25,000			60,000		160,000
Investments in subsidiaries		18,557,566			18,292,443			17,944,848			17,773,322		17,673,322
Property and equipment		619			642			351			759		1,109
Intangible assets		9,093			10,133			9,122			10,531		11,057
Current income tax assets		—			—			—			—		125,423
Deferred income tax assets		3,209			4,203			3,800			2,445		898
Other assets		187,703			269,823			310,673			631,602		48,105
Total assets		18,829,539			18,664,542			18,390,028			18,510,690		18,779,912
Debts		—			—			—			130,000		—
Debentures		628,648			349,157			—			49,988		799,353
Defined benefit liabilities		2,218			1,433			1,384			992		1,134
Current income tax liabilities		118,925			209,928			257,535			578,729		—
Other liabilities		59,855			55,602			46,767			34,701		158,304
Total liabilities		809,646			616,120			305,686			794,410		958,791
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		(2,741	)		(2,715	)		(2,780	)		—		—
Retained earnings		2,577,067			2,605,570			2,641,555			2,270,713		2,375,554
Total equity		18,019,893			18,048,422			18,084,342			17,716,280		17,821,121
Total Liabilities and Equity		18,829,539			18,664,542			18,390,028			18,510,690		18,779,912

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

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3.2.2. Separate Statements of Comprehensive Income

	(Unit: in millions of Won, except per share amounts)
	For the six months ended June 30, 2014			For the six months ended June 30, 2013			For the year ended December 31, 2013			For the year ended December 31, 2012(1)			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income (expense)		(7,150	)		2,245			(1,368	)		2,993			(14,572	)		(17,281	)
Net fee and commission expense		(4,450	)		(3,594	)		(6,270	)		(4,130	)		(6,079	)		(6,951	)
Net other operating income		193,770			282,039			245,044			687,925			—			95,305
General and administrative expenses		(15,915	)		(19,797	)		(40,657	)		(40,459	)		(41,711	)		(31,187	)
Operating profit (loss) before provision for credit losses		166,255			260,893			196,749			646,329			(62,362	)		39,886
Provision for credit losses		—			—			—			—			—			—
Operating profit (loss)		166,255			260,893			196,749			646,329			(62,362	)		39,886
Net non-operating income (expense)		(580	)		(578	)		(1,346	)		(312	)		(2,863	)		792
Profit (loss) before tax benefit (expense)		165,675			260,315			195,403			646,017			(65,225	)		40,678
Income tax benefit (expense)		(1,002	)		356			423			1,080			1,547			897
Profit (loss) for the period		164,673			260,671			195,826			647,097			(63,678	)		41,575
Other comprehensive income (loss) for the period, net of tax		(26	)		10			65			(862	)		—			—
Total comprehensive income (loss) for the period		164,647			260,681			195,891			646,235			(63,678	)		41,575
Earnings (loss) per share
Basic earnings (loss) per share (Won)		426			675			507			1,675			(173	)		121
Diluted earnings (loss) per share (Won)		425			672			505			1,670			(173	)		121

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

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3.3. Other Selected Financial Data

3.3.1. Won-denominated Liquidity Ratio

	(Unit: in billions of Won, %)
Category	As of June 30, 2014			As of December 31, 2013			As of December 31, 2012
Current assets in Won (A)		63.7			77.6			96.2
Current liabilities in Won (B)		3.8			1.3			1.6
Current ratio (A/B)		1,689.73	%		5,934.85	%		6,100.82	%

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 six months ended June 30, 2014(1)		For the year ended December 31, 2013		For the year ended December 31, 2012
Net income as a percentage of average total assets		0.52		0.43		0.60
Net income as a percentage of average shareholders’ equity		5.91		5.03		7.16

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

(1) Annualized basis

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3.3.3. 20 Largest Exposures of Kookmin Bank by Borrower

	(As of June 30, 2014)
Company	Credit extended *
	(Unit: in billions of Won)
Hyundai Heavy Industries Co., Ltd.		899
Samsung Electronics Co., Ltd.		833
Hyundai Steel Co., Ltd.		805
Daewoo Shipbuilding & Marine Engineering Co., Ltd.		803
LG Electronics Inc.		774
GS Caltex Corporation		615
Samsung Heavy Industries Co., Ltd.		612
Samsung Display Co., Ltd.		596
KT Corporation		570
Hyundai Capital Services, Inc.		557
Daewoo International Corporation		484
HSH Nord Bank AG Singapore		456
SK Energy Co., Ltd.		438
Korea Securities Finance Corporation		431
Bank of China HQ		411
Hyundai Motor Company		363
Agricultural Bank of China Ltd.		325
Korean Air Lines Co., Ltd.		310
S-Oil Corporation		298
POSCO		293
Total		10,873

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

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3.3.4. 10 Largest Exposures of Kookmin Bank by Chaebol Group

	(As of June 30, 2014)
Group	Credit extended *
	(Unit: in billions of Won)
Samsung		4,156
Hyundai Motor		3,459
SK		2,234
LG		1,836
Hyundai Heavy Industries		1,470
POSCO		1,328
GS		1,152
Lotte		846
Daewoo Shipbuilding & Marine Engineering		844
Hanwha		830
Total		18,155

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

3.3.5. Kookmin Bank’s Loan Concentration by Industry

	(As of June 30, 2014)
Industry	Total Credit		Percentage of Total Credit
	(Unit: in billions of Won, %)
Manufacturing		35,997		36.3
Construction		4,843		4.9
Real estate		16,510		16.6
Retail and wholesale		15,041		15.1
Hotel, lodging and food service		6,160		6.2
Financial institutions		1,546		1.6
Other		19,204		19.3
Total		99,301		100.0

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3.3.6. Top 20 Non-Performing Loans of Kookmin Bank

		(As of June 30, 2014)
	Industry	Total Credit		Allowance for Loan Losses
		(Unit: in billions of Won)
Borrower A	Shipbuilding		204		132
Borrower B	Real estate and leasing		132		10
Borrower C	Shipbuilding		113		29
Borrower D	Construction		77		58
Borrower E	Construction		65		64
Borrower F	Finance and insurance		49		47
Borrower G	Construction		42		41
Borrower H	Construction		41		32
Borrower I	Transportation		40		6
Borrower J	Shipbuilding		37		23
Borrower K	Arts, sports and recreation related services		36		36
Borrower L	Construction		32		31
Borrower M	Shipbuilding		29		28
Borrower N	Manufacturing		26		2
Borrower O	Real estate and leasing		25		3
Borrower P	Real estate and leasing		25		2
Borrower Q	Hotel, lodging and food service		24		6
Borrower R	Real estate and leasing		24		12
Borrower S	Finance and insurance		22		2
Borrower T	Shipping		21		3
Total			1,064		567

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.

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4. Independent Public Accountants

Audit / Review Services

Period	Auditor	Activity	Compensation(1) (in millions of Won)	Accrued Time (hours)
January 1 to June 30, 2014	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)	3,620
January 1 to December 31, 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	15,940
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

(1) Excluding value-added taxes.

5. Corporate Governance and Affiliated Companies

5.1. Board of Directors & Committees under the Board

As of June 30, 2014, the board of directors consisted of one executive director and nine non-executive directors. The following committees currently serve under our board of directors:

• Board Steering Committee

• Audit Committee

• Management Strategy Committee

• Risk Management Committee

• Evaluation & Compensation Committee

• Non-Executive Director Nominating Committee

• 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-Executive Directors below.

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5.2. Audit Committee

The audit committee oversees our financial reporting and approves the appointment of our independent auditors and internal compliance officers. The committee also reviews our financial information, auditor’s examinations, key financial statement issues, the plans and evaluation of internal controls 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 and on an as-needed basis.

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		Total amount approved at shareholders’ meeting(1)		Notes
Registered Directors (including non-executive directors and audit committee members)		10		2,500		—

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

Total Amount Paid as of June 30, 2014

	(Unit: in millions of Won)
	Total number of persons(1)		Total Compensation (2)(4)(5)(6)		Average Compensation per person (3)		Notes
Registered Directors (excluding non-executive directors)		1		594		594		—
Non-executive Directors (excluding audit committee members)		4		155		39		—
Audit committee members or internal auditor		5		218		44		—
Total		10		967		97		—

(1) Represents the total number of applicable persons as of June 30, 2014.

(2) Represents the total amount paid (rounded to the nearest million) for the six months ended June 30, 2014.

(3) Represents (i) the total amount paid (rounded to the nearest million) for the six months ended June 30, 2014, divided by (ii) the annualized number of applicable persons.

(4) Payments subject to the Company’s internal policies on compensation to directors.

(5) Total payments as presented in the above table include a total of Won 218 million, which was paid in the first quarter of 2014 with respect to short-term performance-based compensation for services performed in 2013.

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(6) In addition to the total payments as presented in the above table, we paid Won 115 million in cash to Jae Mok Cho, former non-executive director, after the expiration of his term of office, with respect to the total stock grant of 3,009 shares in 2009 (in accordance with the Best Practice Guidelines for non-executive directors of banking institutions, performance-based compensation to non-executive directors, including stock grant, has been prohibited since 2010).

(7) In addition to the total payments as presented in the above table, we recorded a reversal of Won 1,458 million in our income statement for the six months ended June 30, 2014 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 4-1	0.03~2.03		2.58		—	35,225~35,889
Series 4-2	0.03~2.03		2.58		—	35,225~35,889
Series 11-1	3.03~5.03		2.63		26,884	36,272~36,902

(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 June 30, 2014 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.

Compensation – Individual Basis

	(Unit: in millions of Won)
Name	Position	Total Compensation(1)		Additional Compensation(2)
Young-Rok Lim	Chairman and Chief Executive Officer		594	Grant of 11,542 long-term performance shares

(1) Includes performance based short-term incentive payments made in the first quarter of 2014 with respect to services performed in 2013.

(2) Based on performance during term of office in 2014. The amount of disbursement, if any, of the long-term incentive performance shares will be determined at a later date.

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 June 30, 2014 are as follows.

• Kookmin Bank (100.00%)

• KB Kookmin Card Co., Ltd. (100.00%)

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

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

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

• KB Capital Co., Ltd. (52.02%)

• KB Savings Bank Co., Ltd. (100.00%)

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• 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%)

6. Directors, Senior Management and Employees

6.1. Executive Directors

As of June 30, 2014, 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 June 30, 2014 are set forth below.

Name	Date of Birth	Position	Common Shares Owned
Young-Rok Lim	March 1955	Chairman & Chief Executive Officer		10,000

6.2. Non-Executive Directors

Our non-executive directors and the number of shares of KB Financial Group’s common stock they respectively owned as of June 30, 2014 are as follows.

Name	Date of Birth	Position	Common Shares Owned
Kyung Jae Lee	January 1939	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		—
Jae Ho Cho	January 1955	Non-Executive Director		—
Seung Hee Koh	June 1955	Non-Executive Director		—
Young Kwa Kim	December 1955	Non-Executive Director		—
Myung Jig Kim	October 1959	Non-Executive Director		—
Sung Hwan Shin	February 1963	Non-Executive Director		—

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6.3. Senior Management

In addition to our executive director who is also our executive officer, we currently have the following nine executive officers as of June 30, 2014.

Name	Date of Birth	Position	Common Shares Owned
Woong-Won Yoon	February 1960	Deputy President & Chief Financial Officer		1,300
Yong Soo Kim	February 1961	Deputy President & Chief Public Relations Officer		—
Ki-Bum Lee	November 1957	Senior Managing Director & Chief Risk Officer		600
Jae-Youl Kim	October 1969	Senior Managing Director & Chief Information Officer		904
Sang-Hwan Kim	May 1960	Managing Director & Chief Human Resources Officer		—
Minkyu Chung	February 1970	Managing Director & Chief Comliance Officer		—
Jong-Hee Yang	June 1961	Managing Director & Head of Strategic Planning Department		914
Kyu Sul Choi	August 1960	Managing Director & Head of Investor Relations		1,506
Kyung Yup Cho	September 1961	Managing Director & Head of KB Research		500

6.4. Employees

The following table shows the breakdown of our employees as of June 30, 2014.

	(Unit: in millions of Won)
	Number of Employees		Average Tenure of Employees (months)		Total Payment (1)		Average Payment per Person (2)
Total		167		26 months		8,501		51

(1) Represents the total amount paid for the six months ended June 30, 2014.

(2) Represents (i) the total amount paid for the six months ended June 30, 2014 divided by (ii) the total number of employees as of June 30, 2014

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 June 30, 2014.

	(Unit: Shares, %)
Name	Number of Shares of Common Stock		Percentage of Total Issued Shares
Korean National Pension Service		38,476,974		9.96
The Bank of New York Mellon Corporation(1)		32,327,550		8.37

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

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7.2. Changes in the Largest Shareholder

(As of June 30, 2014)	(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
Korean National Pension Service		December 31, 2013		38,476,974		9.96

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 June 30, 2014)	(Unit: Shares)
Company Name	Number of shares		Type of shares
KB Financial Group		16,484		Common Stock
Kookmin Bank		2,568,467		Common Stock
KB Kookmin Card Co., Ltd.		119,307		Common Stock
KB Investment & Securities Co., Ltd.		18,678		Common Stock
KB Life Insurance Co., Ltd.		16,841		Common Stock
KB Asset Management Co., Ltd.		5,639		Common Stock
KB Capital Co., Ltd.		—		Common Stock
KB Savings Bank Co., Ltd.		1,017		Common Stock
KB Real Estate Trust Co., Ltd.		10,231		Common Stock
KB Investment Co., Ltd.		3,892		Common Stock
KB Credit Information Co., Ltd.		10,343		Common Stock
KB Data Systems Co., Ltd.		15,603		Common Stock
Total		2,786,502		Common Stock

26

7.4. Investments in Certain Affiliated Companies

(As of June 30, 2014)							(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)
	Number of shares		Shareholding percentage		Book value
Kookmin Bank(2)		404,379,116		100		14,821,721		262,428,438		877,468
KB Kookmin Card Co., Ltd. (2)		92,000,000		100		1,953,175		15,854,982		384,411
KB Investment & Securities Co., Ltd.(3) (4)		31,588,314		100		507,212		2,524,430		5,421
KB Life Insurance Co., Ltd. (4)		91,200,000		100		485,314		6,942,441		3,132
KB Asset Management Co., Ltd. (4)		7,667,550		100		96,312		232,766		63,155
KB Capital Co., Ltd.(5)		11,180,630		52.02		279,874		3,939,851		54,143
KB Savings Bank Co., Ltd.(6)(7)		8,001,912		100		172,091		584,025		(301	)
KB Real Estate Trust Co., Ltd.		16,000,000		100		121,553		182,657		2,110
KB Investment Co., Ltd.		8,951,797		100		104,910		137,949		2,866
KB Credit Information Co., Ltd.		1,252,400		100		23,621		30,142		(336	)
KB Data Systems Co., Ltd.		800,000		100		6,334		21,753		19
Total		673,021,719				18,572,117		292,879,434		1,392,088

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

(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) The latest fiscal year is as of December 31, 2013 or for the period from April 1, 2013 to December 31, 2013.

(5) KB Capital Co., Ltd. was added as a first-tier subsidiary on March 20, 2014.

(6) 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.

(7) Yehansoul Savings Bank was added as a first-tier subsidiary on September 2, 2013, and merged into KB Savings Bank Co., Ltd. on January 13, 2014.

7.5. Related Party Transactions

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 + 94 bps	June 29, 2015

27

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: August 14, 2014	By: /s/ Woong-Won Yoon
	(Signature)
	Name:	Woong-Won Yoon
	Title:	Deputy President & CFO