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�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)
현금및예치금
�1�.� 현금
�2�.� 외국통화
�3�.� 예치금
유가증권
�1�.� 단기매매증권
�2�.� 매도가능증권
�3�.� 만기보유증권
�4�.� 지분법적용투자주식
대출채권
�(대손충당금�)
이연대출부대비용
�1�.� 콜론
�2�.� 내국수입유산스
�3�.� 신용카드채권
�4�.� 매입외환
�5�.� 매입어음
�6�.� 환매조건부채권매수
�7�.� 대출금
�8�.� 팩토링채권
�9�.� 지급보증대지급금
�1�0�.� 사모사채
�1�1�.� 출자전환채권
유형자산
�1�.� 유형자산
�(감가상각누계액�)
�(손상차손누계액�)
자산Assets
계정과목Description 제�7기 제�6기 제�5기
Cash & Due from Banks
Cash & Checks
Foreign Currency
Due from Banks
Securities
Trading Securities
Available-for-sale Securities
Held-to-maturity Securities
Investment Stock Using the Equity Method
Loans
(Allowance for Credit Losses)
Loan Origination Cost
Call Loans
Domestic Import Usance Bill
Credit Card Accounts
Bills Bought in Foreign Currency
Bills Bought in Won
Bonds Purchased under Resale Agreements
Loans & Discounts
Factoring Receivables
Advances for Customers
Private Placement Corporate Bonds
Loans Debt-Equity Swap
Tangible Assets
Tangible Assets
(Accumulated Depreciation)
(Accumulated Impairment Losses)
6,544,754
2,287,607
189,463
4,067,684
30,777,359
5,013,286
13,870,764
11,042,998
850,311
171,549,993
(2,501,865)
178,858
1,665,800
1,710,427
10,435,991
1,622,013
152,009
-
152,049,279
20,638
28,695
6,186,180
1,968
2,298,743
3,951,893
(1,636,783)
(16,367)
6,568,306
2,725,644
151,406
3,691,256
29,382,480
2,589,719
15,113,898
10,939,331
739,532
149,867,182
(2,360,867)
138,338
1,247,109
1,256,747
8,667,740
1,270,314
16,587
500,000
131,579,881
30,948
19,209
7,499,208
1,968
2,137,732
3,855,268
(1,702,001)
(15,535)
5,867,418
2,683,479
150,403
3,033,536
30,550,299
3,551,425
16,180,784
10,228,573
589,517
135,738,407
(2,453,275)
52,025
1,518,948
1,326,629
7,571,605
1,377,085
18,563
-
122,553,595
32,044
11,321
3,729,867
-
2,038,244
3,670,602
(1,620,892)
(11,466)
제�7기�_ �2�0�0�7년 �1�2월 �3�1일 현재 (December 31, 2007)
제�6기�_ �2�0�0�6년 �1�2월 �3�1일 현재 (December 31, 2006)
제�5기�_ �2�0�0�5년 �1�2월 �3�1일 현재 (December 31, 2005)
재산상태� 및� 영업실적| FINANCIAL INFORMATION
대차대조표�(은행계정�)� Balance Sheet (Banking accounts)
12 www.kbstar.com
�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)
기타자산
�(대손충당금�)
�1�.� 예치보증금
�2�.� 미수금
�3�.� 미수수익
�4�.� 선급비용
�5�.� 이연법인세자산
�6�.� 파생상품자산
�7�.� 미회수내국환채권
�8�.� 무형자산
�9�.� 비업무용자산
�(평가충당금�)
�1�0�.� 잡자산
자산총계
예수부채
�1�.� 요구불예금
�2�.� 기한부예금
�3�.� 양도성예금증서
차입부채
�1�.� 콜머니
�2�.� 매출어음
�3�.� 환매조건부채권매도
�4�.� 차입금
�5�.� 사채
�(사채할인발행차금�)
기타부채
�1�.� 미지급금
�2�.� 미지급비용
�3�.� 선수수익
�4�.� 수입제세
�5�.� 수입보증금
부채Liabilities
계정과목Description 제�7기 제�6기 제�5기
Other Assets
(Allowances for Credit Losses)
Guarantee Deposits Paid
Accounts Receivable
Accrued Revenues Receivable
Prepaid Expenses
Deferred Income Tax Debits
Derivatives instruments Assets
Domestic Exchange Settlements Debits
Intangible Assets
Non-business Use Property
(Valuation Allowance)
Sundry Assets
Total Assets
Depository Liabilities
Demand Deposits
Time Deposits
Negotiable Certificates of Deposits
Borrowings & Bonds Payable
Call Money
Bills Sold
Bonds Sold under Repurchase Agreements
Borrowings
Bonds payable
(Debentures Discount)
Other Liabilities
Accounts Payable
Accrued Expenses Payable
Unearned Revenues
Withholding Taxes
Deposits for Letter of Guarantees and Others
7,695,189
(114,132)
1,303,888
2,064,500
1,260,212
98,143
146,491
1,652,756
753,523
337,307
-
-
192,501
218,866,038
138,858,691
47,950,172
73,290,876
17,617,643
50,250,481
814,128
506,378
5,916,630
8,118,704
34,960,688
(66,047)
13,719,105
2,630,128
4,413,729
114,416
179,281
111,723
7,250,781
(102,212)
1,166,454
2,145,266
1,166,963
79,594
23,886
1,260,748
962,250
371,312
499
(169)
176,190
195,206,481
130,019,916
50,113,689
70,326,526
9,579,701
39,042,684
165,086
462,479
7,053,755
6,378,858
25,140,672
(158,166)
11,088,924
2,357,841
3,876,420
87,556
114,630
99,325
5,399,281
(47,502)
1,164,533
449,851
998,354
43,119
353,214
1,202,063
720,433
398,104
583
(230)
116,759
179,593,649
126,281,232
48,260,472
72,631,217
5,389,543
30,285,324
1,260,446
296,722
6,384,308
5,795,860
16,580,263
(32,275)
10,653,493
834,510
3,955,824
79,652
83,261
109,454
www.kbstar.com 13
�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)
�6�.� 대행업무수입금
�7�.� 미지급내국환채무
�8�.� 미지급외국환채무
�9�.� 대리점
�1�0�.� 파생상품부채
�1�1�.� 신탁계정미지급금
�1�2�.� 퇴직급여충당부채
�(퇴직보험예치금�)
�1�3�.� 지급보증충당부채
�1�4�.� 기타충당부채
�1�5�.� 잡부채
부채총계
자본금
�1�.� 보통주자본금
자본잉여금
�1�.� 주식발행초과금
�2�.� 기타자본잉여금
자본조정
�1�.� 자기주식
�2�.� 주식매입선택권
기타포괄손익누계액
�1�.� 매도가능증권평가이익
�2�.� 만기보유증권평가이익
�3�.� 지분법자본변동
�4�.� 부의지분법자본변동
이익잉여금
�1�.� 법정적립금
�2�.� 임의적립금
�3�.� 미처분이익잉여금
자본총계
부채와자본총계
자본Stockholders' Equity
계정과목Description 제7기 제6기 제5기
Accounts for Agency Businesses
Domestic Exchange Settlement Credits
Foreign Exchanges
Liability Incurred by Agency Relationship
Derivatives Instruments Liabilities
Borrowings from Trust Accounts
Allowance for Severance and Retirement Benefits
(Due from Insurance Retirement Benefits)
Allowance for Acceptances and Guarantees losses
Other Allowances
Sundry Liabilities
Total Liabilities
Capital Stock
Common Stock
Capital Surplus
Capital in Excess of Par Value
Other Capital Surplus
Capital Adjustment
Treasury Stock
Option for Purchasing Stock
Accumulated other inclusive gain(loss)
Gain on Valuation of Available-for-sale Securities
Gain on Valuation of Held-to-maturity Securities
Gain on Valuation of Investment Stock Using the Equity Method
Loss on Valuation of Investment Stock Using the Equity Method
Retained Earnings
Legal Reserve
Voluntary Reserve
Unappropriated Retained Earnings at the End of the Year
Total Stockholders' Equity
Total Liabilities and Stockholder's Equity
281,084
494,487
54,797
363,757
1,824,727
1,427,154
703,261
(471,882)
36,512
745,768
810,163
202,828,277
1,681,896
1,681,896
6,258,297
5,655,840
602,457
-
-
-
356,412
365,330
42
13,709
(22,669)
7,741,156
1,078,393
3,909,225
2,753,538
16,037,761
218,866,038
151,479
141,042
54,515
171,024
1,148,033
1,281,185
536,347
(334,979)
18,772
776,661
609,073
180,151,524
1,681,896
1,681,896
6,258,297
5,655,840
602,457
-
-
-
899,542
883,556
98
22,039
(6,151)
6,215,222
830,309
2,914,325
2,470,588
15,054,957
195,206,481
110,982
538,799
38,645
272,838
1,070,996
1,059,469
387,491
(236,529)
10,141
875,835
1,462,125
167,220,049
1,681,896
1,681,896
6,254,786
5,655,840
598,946
(5,772)
(9,660)
3,888
512,742
511,368
426
13,282
(12,334)
3,929,948
604,677
1,267,825
2,057,446
12,373,600
179,593,649
14 www.kbstar.com
�(단위�:� 백만원�/� �U�n�i�t� �:� �M�i�l�l�i�o�n� �w�o�n�)
지급보증
확정지급보증
미확정지급보증
약정
배서어음
파생상품거래
이자율관련거래
통화관련거래
기타파생상품거래
대손상각채권
창구매각유가증권
환매권부대출채권매각
주석Footnotes
계정과목Description 제7기 제6기 제5기
Guarantees and Acceptances
Guarantees and Acceptances Outstanding
Contingent Guarantees and Acceptances
Commitments
Bills Endorsed
Derivative Contracts
Contracts on Interest Rates
Contracts on Currency
Other Derivatives Transaction
Receivable Charge-offs
OTC Bonds Sold
Loans Sold under Repurchase Agreements
9,242,434
5,297,910
3,944,524
78,598,829
63
175,595,818
62,931,143
110,911,749
1,752,926
11,542,448
316,429
-
5,008,741
2,704,307
2,304,434
79,567,356
4,540
143,104,777
48,255,370
92,942,226
1,907,181
12,005,064
217,754
666
3,761,752
1,789,560
1,972,192
77,151,718
10,910
108,579,574
37,008,889
65,763,615
5,807,070
7,743,273
2,463
685
www.kbstar.com 15