0001193125-18-286401.txt : 20180928 0001193125-18-286401.hdr.sgml : 20180928 20180928073524 ACCESSION NUMBER: 0001193125-18-286401 CONFORMED SUBMISSION TYPE: F-4/A PUBLIC DOCUMENT COUNT: 262 FILED AS OF DATE: 20180928 DATE AS OF CHANGE: 20180928 FILER: COMPANY DATA: COMPANY CONFORMED NAME: WOORI BANK CENTRAL INDEX KEY: 0001264136 STANDARD INDUSTRIAL CLASSIFICATION: COMMERCIAL BANKS, NEC [6029] IRS NUMBER: 000000000 STATE OF INCORPORATION: M5 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: F-4/A SEC ACT: 1933 Act SEC FILE NUMBER: 333-226345 FILM NUMBER: 181092524 BUSINESS ADDRESS: STREET 1: 51, SOGONG-RO, JUNG-GU, CITY: SEOUL KOREA STATE: M5 ZIP: 04632 BUSINESS PHONE: 000-000-0000 MAIL ADDRESS: STREET 1: 51, SOGONG-RO, JUNG-GU, CITY: SEOUL KOREA STATE: M5 ZIP: 04632 FORMER COMPANY: FORMER CONFORMED NAME: WOORI FINANCE HOLDINGS CO LTD DATE OF NAME CHANGE: 20030917 F-4/A 1 d570362df4a.htm AMENDMENT NO. 1 TO FORM F-4 AMENDMENT NO. 1 TO FORM F-4
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As filed with the U.S. Securities and Exchange Commission on September 28, 2018

Registration Statement No. 333-226345

 

 

 

U.S. SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

AMENDMENT NO. 1

TO

FORM F-4

REGISTRATION STATEMENT

UNDER

THE SECURITIES ACT OF 1933

 

 

Woori Bank

(Exact Name of Registrant as Specified in its Charter)

 

 

Woori Bank

(Translation of Registrant’s Name into English)

 

 

 

Republic of Korea   6029   Not Applicable

(State or Other Jurisdiction of

Incorporation or Organization)

 

(Primary Standard Industrial

Classification Code Number)

 

(I.R.S. Employer

Identification No.)

51, Sogong-ro, Jung-gu, Seoul 04632, Korea

Telephone: +82-2-2125-2337 / Fax: +82-505-003-2512

(Address and telephone number of Registrant’s principal executive offices)

 

 

Woori Bank New York Agency

245 Park Avenue, 43rd Floor

New York, NY 10167

Telephone: (212) 949-1900

(Name, address and telephone number of agent for service)

 

 

Copies to:

Yong G. Lee, Esq.

Cleary Gottlieb Steen & Hamilton LLP

Foreign Legal Consultant Office

19F, Ferrum Tower

19, Eulji-ro 5-gil, Jung-gu

Seoul 04539, Korea

 

 

Approximate date of commencement of proposed sale to the public: As soon as practicable after the effective date of this Registration Statement.

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act of 1933, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act of 1933, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  ☐

If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction:

 

Exchange Act Rule 13e-4(i) (Cross Border Issuer Tender Offer)

 

Exchange Act Rule 14d-1(d) (Cross Border Third-Party Tender Offer)

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933.

 

Emerging growth company

 

If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards† provided pursuant to Section 7(a)(2)(B) of the Securities Act.  ☐

 

The term “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards Board to its Accounting Standards Codification after April 5, 2012.

 

 

CALCULATION OF REGISTRATION FEE

 

 

Title of Each Class of

Securities to be Registered(1)

 

Amount

to be

Registered(2)

 

Proposed

Maximum

Offering Price

Per Share(3)

 

Proposed

Maximum

Aggregate

  Offering Price(2)(3)  

  Amount of
Registration Fee(4)

Common stock, par value W5,000 per share

  80,000,000   U.S.$14.60     U.S.$1,168,274,003.69     U.S.$145,450.11

 

 

 

(1)

American depositary shares issuable upon deposit of the securities registered hereby are to be registered under a separate registration statement on Form F-6.

(2)

Represents the maximum number of shares of common stock of Woori Financial Group Inc. expected to be issued to shareholders resident in the United States in connection with the transaction described herein, based on the ratio of one share of Woori Financial Group common stock to be issued for every one share of Woori Bank common stock. The securities to be issued in connection with the transaction outside the United States are not registered under this registration statement.

(3)

Estimated solely for the purpose of calculating the amount of the registration fee pursuant to Rule 457(f), based on the market value per share of Woori Bank common stock calculated pursuant to Rule 457(c) by taking the average of the high and low prices of such shares as reported on the KRX KOSPI Market of the Korea Exchange on July 20, 2018 and converting it into U.S. dollars based on the noon buying rate for cable transfers in Won as certified for customs purposes by the Federal Reserve Bank of New York as in effect on such date of W1,128.16 = U.S.$1.00.

(4)

Determined in accordance with Section 6(b) of the Securities Act at a rate equal to U.S.$124.50 per U.S.$1,000,000 of the proposed maximum aggregate offering price or 0.0001245 multiplied by the proposed maximum aggregate offering price.

 

 

The Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective time until the Registrant shall file a further amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933, as amended, or until this Registration Statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.

 

 

 


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The information in this preliminary prospectus is not complete and may be changed. We may not ask you to vote until the registration statement filed with the Securities and Exchange Commission is effective. This preliminary prospectus is not an offer to sell these securities, and we are not soliciting offers to buy these securities, in any jurisdiction where the offer or sale is not permitted.

 

Subject to Completion, dated September 28, 2018

Extraordinary General Meeting of Shareholders of Woori Bank

STOCK TRANSFER PROPOSAL

 

 

The board of directors of Woori Bank has approved the adoption of a financial holding company structure for our bank pursuant to a “comprehensive stock transfer” under Article 360-15 of the Korean Commercial Code, whereby holders of our common stock will transfer all of their shares to a new financial holding company, to be named “Woori Financial Group Inc.” and in return receive shares of Woori Financial Group common stock. In the stock transfer, each holder of one share of our common stock will receive one share of Woori Financial Group common stock, par value W5,000 per share. Holders of our American depositary shares, each of which represents three shares of our common stock, will receive one Woori Financial Group American depositary share for every American depositary share they own (subject to payment of certain applicable depositary fees). In connection with the stock transfer, Woori Financial Group will issue approximately 676,000,000 shares of its common stock to holders of our common stock. Our common stock is listed on the KOSPI Market of the Korea Exchange under the identifying code “000030,” and our American depositary shares are listed on the New York Stock Exchange under the symbol “WF.” Following the stock transfer, the common stock and American depositary shares of Woori Financial Group are expected to be similarly listed on such stock exchanges.

We believe that the adoption of a financial holding company structure through the proposed stock transfer will help us increase customer satisfaction, generate synergies and maximize profitability, by creating an integrated system among our affiliated companies and allowing us to effectively provide various financial services, including comprehensive one-stop asset management services customized for clients, based on active expansion of non-banking and global business operations.

Before we can proceed with the stock transfer, the proposed stock transfer plan must be approved at an extraordinary general meeting of our shareholders to be held on the fifth floor of the Woori Bank Head Office Building, 51, Sogong-ro, Jung-gu, Seoul, Korea on                                        , 2018 at        a.m. local time. At the extraordinary general meeting of our shareholders, the shareholders will vote on the approval of the stock transfer plan and the approval of certain other matters as described in this prospectus.

This prospectus has been prepared for our shareholders and holders of our American depositary shares residing in the United  States to provide information about the proposed stock transfer and the extraordinary general meeting of our shareholders. We encourage you to read this document in its entirety, including the section entitled “Risk Factors ” that begins on page 7.

Holders of our common stock will be entitled to attend and vote, either in person or by proxy, at the extraordinary general meeting if they are recorded on our shareholder register on                                        , 2018, which is    days prior to the date of the meeting. Holders of our American depositary shares will be entitled to instruct Citibank, N.A., as depositary, as to how to vote their underlying shares of our common stock at the extraordinary general meeting in accordance with the procedures set forth in this prospectus, if those holders were recorded on such depositary’s register on                                         , 2018.

Your vote is important, regardless of the number of shares you own. On behalf of our board of directors, I urge you to vote in favor of the stock transfer.

Tae-Seung Sohn

President and Chief Executive Officer

Woori Bank

WE ARE NOT ASKING YOU FOR A PROXY AND

YOU ARE REQUESTED NOT TO SEND US A PROXY.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of the securities to be issued in connection with the stock transfer or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

 

 

This prospectus is dated                                        , 2018 and is expected to be first mailed to shareholders on or about such date.


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WHERE YOU CAN FIND MORE INFORMATION

We have filed a registration statement on Form F-4 to register with the U.S. Securities and Exchange Commission, or the SEC, our common stock to be delivered in connection with the stock transfer. This prospectus is a part of that registration statement. As allowed by SEC rules, this prospectus does not contain all the information you can find in the registration statement or the exhibits to the registration statement.

We are subject to the information reporting requirements of the U.S. Securities Exchange Act of 1934 and, in accordance therewith, are required to file reports, including annual reports on Form 20-F, and other information with the SEC. These materials, including annual reports and the exhibits thereto, may be read and copied at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549 by calling the SEC at 1-800-SEC-0330. We are also required to make filings with the SEC by electronic means. Any filings we make electronically will be available to the public over the Internet at the SEC’s website at http://www.sec.gov.

The SEC permits us to “incorporate by reference” information into this prospectus. This means that we can disclose important information to you by referring to another document filed separately with the SEC. The information incorporated by reference is deemed to be part of this prospectus, except for any information superseded by information contained directly in this prospectus.

This prospectus incorporates by reference the documents set forth below that have been previously filed with or furnished to the SEC. These documents contain important information about us and our financial condition.

 

WOORI BANK SEC FILINGS

(COMMISSION FILE NO. 1-31811; CIK NO. 0001264136)

   FILING DATE  

Annual Report on Form 20-F for the fiscal year ended December 31, 2017

     April 30, 2018  

We also incorporate by reference into this prospectus additional documents that we may file with the SEC from the date of this prospectus to the date of the extraordinary general meeting. These include any amendments to our annual report on Form 20-F, as well as any of our current reports on Form 6-K specifically identified as being incorporated by reference into this prospectus.

Documents incorporated by reference are available without charge, excluding all exhibits unless an exhibit has been specifically incorporated by reference into this prospectus. Shareholders may obtain documents incorporated by reference into this prospectus from the SEC, as described above, or by requesting them in writing, by telephone or by e-mail from us at the following address:

Woori Bank

Investor Relations Department

51, Sogong-ro, Jung-gu

Seoul 04632, Korea

Telephone: +82-2-2125-2337

Facsimile: +82-505-003-2512

e-mail: woori.ir@wooribank.com

If you would like to request documents from us, please do so by                                         , 2018 in order to receive them before the extraordinary general meeting.

You should rely only on the information contained in this prospectus to vote on the stock transfer. We have not authorized anyone to provide you with information different from that contained in the prospectus. This prospectus is dated                                         , 2018. You should not assume that the information contained in this prospectus is accurate as of any other date. Neither the mailing of this prospectus, nor the delivery of shares of our common stock, cash or other consideration should be deemed to create any implication to the contrary.

 

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TABLE OF CONTENTS

 

     Page  

Notes

     1  

Currencies and Exchange Rates

     1  

Summary

     2  

Woori Bank

     2  

The Stock Transfer

     2  

Ownership of Woori Financial Group after the Stock Transfer

     3  

Dissent and Appraisal Rights

     4  

Conditions to the Completion of the Stock Transfer

     4  

The Extraordinary General Meeting

     4  

Interests of Directors and Officers in the Stock Transfer

     4  

Accounting Treatment of the Stock Transfer

     4  

U.S. Income Tax Consequences of the Stock Transfer

     5  

Regulatory Matters

     5  

Completion and Effectiveness of the Stock Transfer

     5  

Stock Exchange Listings

     5  

Summary Market Price Information

     5  

Summary Financial Data

     6  

Questions About the Stock Transfer

     6  

Risk Factors

     7  

Risks Relating to the Stock Transfer

     7  

Risks Relating to Woori Financial Group Common Stock and American Depositary Shares

     10  

Forward-Looking Information

     14  

The Extraordinary General Meeting of Shareholders

     15  

Time, Place and Purpose

     15  

Voting Rights, Record Date and Votes Required

     15  

Share Ownership of Directors and Executive Officers

     15  

Voting by Proxy

     15  

Voting Rights of Holders of Our American Depositary Shares

     16  

The Stock Transfer

     18  

Background of the Stock Transfer

     18  

Reasons for the Stock Transfer

     18  

Exchange of Woori Bank Common Stock and American Depositary Shares for Woori Financial Group Common Stock and American Depositary Shares

     19  

Exchange of Common Stock of Woori Bank’s Subsidiaries for Woori Financial Group Common Stock

     21  

Interests of Certain Directors and Executive Officers in the Stock Transfer

     21  

Conditions to the Completion of the Stock Transfer

     22  

Completion and Effectiveness of the Stock Transfer

     22  

U.S. Income Tax Consequences of the Stock Transfer

     22  

Accounting Treatment of the Stock Transfer

     22  

Regulatory Matters

     22  

Stock Exchange Listings

     23  

Dissent and Appraisal Rights

     23  

The Stock Transfer Plan

     25  

Articles of Incorporation of Woori Financial Group

     25  

 

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TABLE OF CONTENTS

(continued)

 

     Page  

Information About Woori Bank

     26  

Supervision and Regulation of Woori Financial Group

     63  

Principal Regulations Applicable to Financial Holding Companies

     63  

Principal Regulations Applicable to Banks, Credit Card Operations and Other Matters

     71  

Description of Woori Bank’s Capital Stock

     72  

Description of Woori Financial Group’s Capital Stock

     73  

Capital Stock

     73  

Proposed Articles of Incorporation

     73  

Description of Woori Financial Group’s American Depositary Shares

     79  

Dividends and Distributions

     80  

Changes Affecting Shares

     83  

Issuance of American Depositary Shares upon Deposit of Shares

     83  

Transfer, Combination and Split Up of American Depositary Receipts

     84  

Withdrawal of Woori Financial Group Common Stock Upon Cancellation of American Depositary Shares

     84  

Voting Rights

     85  

Fees and Charges

     86  

Amendments and Termination

     87  

Books of Depositary

     88  

Limitations on Obligations and Liabilities

     88  

Taxes

     89  

Foreign Currency Conversion

     89  

Governing Law

     90  

Comparison of Rights of Woori Bank Shareholders and Woori Financial Group Shareholders

     91  

Market Price Information

     92  

Tax Considerations

     93  

United States Taxation

     93  

Korean Tax Considerations

     96  

Korean Foreign Exchange Controls and Securities Regulations

     101  

General

     101  

Issuance of American Depositary Shares

     101  

Reporting Requirements for Holders of Substantial Interests

     102  

Special Reporting Requirements for Companies Whose Securities are Listed on Foreign Exchanges

     103  

Restrictions Applicable to American Depositary Shares

     103  

Restrictions Applicable to Shares

     103  

Management of Woori Financial Group

     107  

Board of Directors of Woori Financial Group

     107  

Committees of the Board of Directors of Woori Financial Group

     108  

Executive Officers of Woori Financial Group

     110  

Compensation of Directors and Executive Officers

     110  

 

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TABLE OF CONTENTS

(continued)

 

     Page  

Share Ownership

     110  

Related Party Transactions

     110  

Legal Matters

     112  

Experts

     112  

Index to Financial Statements

     A-1  

Annex I— Stock Transfer Plan (English Version)

     I-1  

 

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NOTES

Our fiscal year ends on December 31 of each year. All references to a particular year are to the year ended December 31 of that year.

Unless otherwise indicated, the financial information presented in this document has been prepared in accordance with International Financial Reporting Standards, or IFRS, as issued by the International Accounting Standards Board, or the IASB.

Any discrepancies in any table between totals and the sums of the amounts listed are due to rounding.

References to “Korea” are to the Republic of Korea.

CURRENCIES AND EXCHANGE RATES

All references to “Won” or “W” in this prospectus are to the currency of Korea, and all references to “Dollars,” “U.S. dollars,” “$” or “U.S.$” are to the currency of the United States of America.

The tables below set forth, for the periods and dates indicated, information concerning the noon buying rate for Won, expressed in Won per one U.S. dollar. The “noon buying rate” is the rate in New York City for cable transfers in foreign currencies as certified for customs purposes by the Federal Reserve Bank of New York. Unless otherwise stated, translations of Won amounts into U.S. dollars in this prospectus were made at the noon buying rate in effect on June 30, 2018 which was W1,111.8 to U.S.$1.00. We do not intend to imply that the Won or U.S. dollar amounts referred to herein could have been or could be converted into U.S. dollars or Won, as the case may be, at any particular rate, or at all. On                                        , 2018, the noon buying rate was W            = U.S.$1.00.

 

     Won per U.S. dollar (noon buying rate)  
     Low      High      Average(1)      Period-End  

2013

     1,050.1        1,161.3        1,094.7        1,055.3  

2014

     1,008.9        1,117.7        1,052.3        1,090.9  

2015

     1,063.0        1,196.4        1,131.0        1,169.3  

2016

     1,090.0        1,242.6        1,159.3        1,203.7  

2017

     1,067.4        1,207.2        1,129.0        1,067.4  

2018 (through                                         )

           

First six months of 2018

     1,054.6        1,122.0        1,078.9        1,111.8  

January

     1,057.6        1,073.6        1,065.6        1,068.3  

February

     1,065.3        1,093.0        1,078.5        1,082.1  

March

     1,060.3        1,081.3        1,069.9        1,061.0  

April

     1,054.6        1,083.0        1,068.0        1,069.1  

May

     1,065.4        1,082.8        1,076.7        1,080.8  

June

     1,065.9        1,122.0        1,094.4        1,111.8  

July

     1,111.4        1,136.4        1,122.2        1,112.8  

August

     1,105.1        1,135.3        1,120.4        1,116.5  

(through                                         )

           

 

Source: Federal Reserve Bank of New York

(1)

The average rate for each full year or six-month period is calculated as the average of the noon buying rates on the last business day of each month during the relevant period. The average rate for a full month is calculated as the average of the noon buying rates on each business day during the relevant month (or portion thereof).

 

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SUMMARY

This summary highlights the material information appearing in this prospectus. However, it may not contain all of the information that is important to you. You should carefully read the entire prospectus for a complete understanding of the proposed stock transfer. In particular, you should read the documents attached to this prospectus, including the stock transfer plan, and the other documents to which this prospectus refers you. See “Where You Can Find More Information.”

Woori Bank

51, Sogong-ro, Jung-gu

Seoul 04632, Korea

Telephone: +82-2-2125-2337

We are one of the largest commercial banks in Korea. Our operations include a broad range of businesses, including corporate banking, consumer banking, credit card operations, investment banking, capital markets activities and other businesses. We provide a wide range of products and services to our customers, which mainly comprise small- and medium-sized enterprises and individuals, as well as some of Korea’s largest corporations. As of December 31, 2017, we had, on a consolidated basis, total assets of W316,295 billion, total liabilities of W295,730 billion and total equity of W20,565 billion.

The Stock Transfer (see page 18)

We plan to adopt a financial holding company structure for our bank pursuant to a “comprehensive stock transfer” under Article 360-15 of the Korean Commercial Code. In the stock transfer, holders of our common stock will transfer all of their shares of our common stock to a new holding company, Woori Financial Group, which will be established simultaneously with such transfer. As consideration for the shares of our common stock, Woori Financial Group will issue shares of its common stock to holders of our common stock. In the stock transfer, each holder of one share of our common stock will receive one share of Woori Financial Group common stock. Holders of our American depositary shares, each of which represents three shares of our common stock, will receive one Woori Financial Group American depositary share for every American depositary share they own (subject to payment of certain applicable depositary fees).

Holders of our American depositary shares (all of which have been issued in uncertificated form) do not need to take any action in order to exchange their American depositary shares for Woori Financial Group American depositary shares. For a more complete description of the procedure for exchanging our American depositary shares for Woori Financial Group American depositary shares in the stock transfer, see “The Stock Transfer—Exchange of Woori Bank Common Stock and American Depositary Shares for Woori Financial Group Common Stock and American Depositary Shares.”

In addition to the Woori Financial Group common stock and American depositary shares issued in exchange for our outstanding common stock and American depositary shares in the stock transfer, Woori Financial Group will issue its common stock to us in exchange for the outstanding common stock of certain of our wholly-owned subsidiaries that will become wholly-owned direct subsidiaries of Woori Financial Group. Specifically, in connection with the stock transfer, we will transfer all shares of common stock held by us of Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Services Co., Ltd. and Woori Private Equity Asset Management Co., Ltd., all of which are our wholly-owned subsidiaries, to Woori Financial Group. As consideration for such transferred shares, Woori Financial Group will issue shares of its common stock to us in accordance with the specified stock transfer ratio applicable to each such subsidiary. Following such stock transfer, Woori Financial Group will own 100% of the outstanding common stock of all such subsidiaries participating in the stock transfer, and each such subsidiary participating in the stock transfer will become a wholly-owned direct subsidiary of Woori Financial Group.



 

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Our organizational structure as of March 31, 2018 is illustrated by the following chart:

 

LOGO

Woori Financial Group’s organizational structure after giving effect to the stock transfer is illustrated by the following chart:

 

LOGO

Ownership of Woori Financial Group after the Stock Transfer

In connection with the stock transfer, Woori Financial Group will issue approximately 676,000,000 shares of its common stock to holders of our common stock. Assuming that we do not acquire any shares of our common stock prior to the date of the stock transfer as a result of the exercise by dissenting shareholders of appraisal rights or otherwise, immediately following the stock transfer, former holders of our common stock will own approximately 99.39% of the issued common stock of Woori Financial Group, and we will become a wholly-owned subsidiary of Woori Financial Group.

In connection with the transfer of common stock of certain of our subsidiaries to Woori Financial Group, Woori Financial Group will issue approximately 4,164,306 shares of its common stock to us. Assuming that we do not acquire any shares of our common stock prior to the date of the stock transfer as a result of the exercise by dissenting shareholders of appraisal rights or otherwise, immediately following the stock transfer, we will hold approximately 0.61% of the issued common stock of Woori Financial Group. Under Korean law, we



 

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will be required to dispose of such shares of Woori Financial Group common stock held by us within six months from the date of the stock transfer.

Dissent and Appraisal Rights (see page 23)

Under Korean law, subject to certain conditions, holders of shares of our common stock who oppose the stock transfer may exercise appraisal rights and require us to purchase their shares if the stock transfer is completed. However, holders of our American depositary shares opposing the stock transfer will not have any appraisal rights. In order for shareholders to exercise such right, dissenting shareholders, among other things, must have acquired their shares prior to June 19, 2018 and must submit to us a written notice of their dissent by the day prior to the extraordinary general meeting and, within 10 days of such meeting, request that their shares be repurchased.

If the stock transfer is completed, we expect to pay W16,079 for each share of our common stock properly submitted to us for appraisal. For a more complete description of the appraisal rights, see “The Stock Transfer—Dissent and Appraisal Rights.”

Conditions to the Completion of the Stock Transfer (see page 22)

Under the stock transfer plan, the completion of the stock transfer is subject to the following:

 

   

we must obtain from the Financial Services Commission approval of the establishment of a financial holding company under Article 3 of the Financial Holding Company Act; and

 

   

in the event the number of shares of our common stock for which appraisal rights are exercised exceeds 15% of the total issued shares of our common stock, we may suspend the stock transfer and amend the stock transfer plan.

The Extraordinary General Meeting (see page 15)

The extraordinary general meeting of our shareholders will be held on the fifth floor of the Woori Bank Head Office Building, 51, Sogong-ro, Jung-gu, Seoul, Korea on                                             , 2018 at            a.m. local time. The agenda for the meeting is the approval of the stock transfer plan (including the proposed articles of incorporation of Woori Financial Group and the nominees for directors of Woori Financial Group, including those who will serve as members of the Audit Committee of the board of directors).

The approval of the stock transfer plan will require a special resolution adopted by the affirmative vote of at least two-thirds of the shares of our common stock present or represented at the meeting. The shares voting to approve the stock transfer plan must also represent at least one-third of the total issued and outstanding shares of our common stock. Each share of common stock present or represented at the meeting will be entitled to one vote.

Interests of Directors and Officers in the Stock Transfer (see page 21)

You should be aware that a number of our directors and officers may have interests in the stock transfer that are different from, or in addition to, your interests as a Woori Bank shareholder. For a description of these interests, see “The Stock Transfer—Interests of Certain Directors and Executive Officers in the Stock Transfer.”

Accounting Treatment of the Stock Transfer (see page 22)

Under IFRS, we expect that the stock transfer transaction will be accounted for as a transaction among entities under common control applying the pooling of interests method of accounting. Upon the completion of



 

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the stock transfer, Woori Financial Group will initially recognize the transferred assets and liabilities at their book value as of the date of the stock transfer in its consolidated financial statements, and no goodwill will be recognized in connection with the transaction.

U.S. Income Tax Consequences of the Stock Transfer (see page 22)

The exchange of Woori Bank common stock or American depositary shares for corresponding interests in Woori Financial Group will not be a taxable transaction for U.S. tax purposes. If you exercise your appraisal rights for your shares of our common stock and we purchase such shares for cash, the transaction will be treated for U.S. tax purposes as a taxable sale of your shares. See “Tax Considerations—United States Taxation.”

Regulatory Matters (see page 22)

We are working to obtain all necessary regulatory approvals required under Korean and other laws and regulations in connection with the stock transfer and the establishment of Woori Financial Group as a new financial holding company. We have submitted a stock transfer report to the Financial Services Commission and the Korea Exchange, pursuant to the Financial Investment Services and Capital Markets Act and related regulations, on June 19, 2018. We have also submitted an application for approval of the establishment of a financial holding company, pursuant to the Financial Holding Company Act, to the Financial Services Commission of Korea on July 20, 2018.

Completion and Effectiveness of the Stock Transfer (see page 22)

We will complete the stock transfer when all the conditions to completion of the stock transfer are satisfied, including the approval of the stock transfer by our shareholders and the relevant Korean regulatory authorities and the absence of any suspension of the stock transfer by us as a result of the exercise of appraisal rights in respect of more than 15% of the total issued shares of our common stock. See “The Stock Transfer—Conditions to the Completion of the Stock Transfer.” The stock transfer will become effective when we register the incorporation of Woori Financial Group with the commercial registry office of the Seoul Central District Court, pursuant to the applicable requirements of Korean law. We expect to complete the stock transfer in the first quarter of 2019.

Stock Exchange Listings (see page 23)

We expect to apply to list the Woori Financial Group common stock on the KRX KOSPI Market of the Korea Exchange and to list the Woori Financial Group American depositary shares on the New York Stock Exchange. We expect that trading of our common stock on the KRX KOSPI Market of the Korea Exchange will be suspended commencing from approximately            days prior to the date of the stock transfer, and that the listing of the Woori Financial Group common stock on the KRX KOSPI Market of the Korea Exchange will not occur until approximately            days after the stock transfer is completed. Shareholders will not be able to trade their shares of Woori Financial Group common stock until such listing occurs. We also expect that the listing of the Woori Financial Group American depositary shares on the New York Stock Exchange will not occur until approximately    days after the stock transfer is completed. Holders of such American depositary shares will not be able to trade their American depositary shares until such listing occurs.

Summary Market Price Information

Shares of our common stock are traded on the KRX KOSPI Market of the Korea Exchange and our American depositary shares are traded on the New York Stock Exchange. The table below lists the closing prices of our common stock and American depositary shares on June 18, 2018, the last trading day before the public announcement of the proposed stock transfer, and on                                        , 2018.

 

     June 18, 2018                  , 2018  

Common stock

   W 16,350      W               

American depositary shares

   $ 44.90      $                


 

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Summary Financial Data

We present below per share data under IFRS regarding our net income, cash dividends declared and book value on a historical basis.

 

     As of or for the Year Ended December 31, 2017  
     Woori Bank
(Historical)
 

Net income per share

  

Basic

   W 1,999  

Diluted

     1,999  

Dividends per share

     600 (1)  

Book value per share

     25,767 (2)  

 

(1)

Includes interim dividends of W100 per share of common stock declared and paid in August 2017.

(2)

Calculated as equity attributable to common shareholders (owners’ equity (W20,365,892 million) minus hybrid securities (W3,017,888 million)), divided by the total number of outstanding shares of common stock (673,271,226), as of December 31, 2017.

Questions About the Stock Transfer

If you have any questions about the stock transfer or the voting procedures in connection with the extraordinary general meeting of our shareholders, you may contact:

 

   

if you are a holder of our common stock:

Woori Bank

Investor Relations Department

51, Sogong-ro, Jung-gu

Seoul 04632, Korea

Telephone: +82-2-2125-2337

Facsimile: +82-505-003-2512

e-mail: woori.ir@wooribank.com

 

   

if you are a holder of our American depositary shares:

Citibank, N.A.

Shareholder Services

P.O. Box 43077

Providence, RI 02940-3077

Telephone: 1-877-248-4237

e-mail: citibank@shareholders-online.com



 

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RISK FACTORS

As a result of the adoption of a financial holding company structure through the proposed stock transfer, our businesses will be subject to the following new or increased risks. In addition to the risks described below, we will continue to be subject to the risks described in the documents that we have filed with the SEC that are incorporated by reference into this prospectus. You should carefully consider the following risk factors as well as the other information contained or incorporated into this prospectus in deciding whether to vote in favor of the stock transfer.

Risks Relating to the Stock Transfer

The stock transfer is subject to various conditions and may not be completed as scheduled or at all.

Under the proposed stock transfer plan, the consummation of the stock transfer is subject to a number of conditions, including the absence of any suspension of the stock transfer by us as a result of the exercise of appraisal rights in respect of more than 15% of the total issued shares of our common stock. See “The Stock Transfer—Conditions to the Completion of the Stock Transfer.” Under Korean law, our shareholders who oppose the stock transfer may exercise appraisal rights and require us to purchase their shares if the stock transfer is completed. In the event that the number of shares of our common stock for which appraisal rights are exercised exceeds 15% of the total issued shares of our common stock, we may not complete the stock transfer as contemplated or at all. Furthermore, regulatory authorities in Korea or elsewhere may seek to block or delay the stock transfer or may impose conditions that reduce the anticipated benefits of the stock transfer or make it difficult to complete as planned. Accordingly, even if the stock transfer is approved at the extraordinary general meeting of our shareholders, the stock transfer may not be completed as scheduled or at all. If the stock transfer is not completed, we would fail to realize the anticipated benefits of the new financial holding company structure that will be created pursuant to the stock transfer. For a description of the anticipated benefits of adopting a financial holding company structure, see “The Stock Transfer—Reasons for the Stock Transfer.”

The exercise of appraisal rights in respect of a significant number of shares of our common stock could increase the costs of the stock transfer, reduce the capital of Woori Financial Group and hurt its financial condition.

Under Korean law, our shareholders who oppose the stock transfer may exercise appraisal rights and require us to purchase their shares if the stock transfer is completed. We expect to pay W16,079 for each share of our common stock properly submitted to us for appraisal, which is the purchase price for such shares determined in accordance with the formula prescribed under Korean law to be applied in the event that the dissenting shareholders and we fail to agree on a purchase price through negotiations. For a description of the method of calculating the purchase price for shares in respect of which appraisal rights have been exercised, see “The Stock Transfer—Dissent and Appraisal Rights.” If shareholders exercise appraisal rights in respect of a significant number of our shares that does not exceed 15% of the total issued shares of our common stock, we will be required to complete the stock transfer by expending funds to purchase such shares, which could reduce or adversely affect the capital of Woori Financial Group and its financial condition.

Holders of our American depositary shares will not have any dissent and appraisal rights.

Our shareholders who oppose the stock transfer may exercise appraisal rights under Korean law and require us to purchase their shares if the stock transfer is completed. However, if you are a holder of our American depositary shares, you will not have any appraisal rights in respect of the stock transfer even if you oppose it. The deposit agreement for our American depositary shares facility does not require the depositary to take any action in respect of exercising dissent and appraisal rights.

 

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We may fail to realize the anticipated benefits of the stock transfer and the new financial holding company structure.

The success of the stock transfer and the new financial holding company structure that will be created pursuant to such stock transfer will depend, in large part, on the ability of Woori Financial Group to realize the anticipated synergies, growth opportunities and cost savings from coordinating and integrating the businesses of its various subsidiaries.

Although we plan to integrate our operations and our subsidiaries’ operations under the financial holding company structure, the subsidiaries of the new financial holding company, including us, will generally continue to operate as independent entities with separate management and staff. As a result, Woori Financial Group’s ability to direct its subsidiaries’ day-to-day operations may be limited. In addition, the integration of Woori Financial Group’s subsidiaries’ separate businesses and operations, as well as those of any companies it may acquire in the future, into the financial holding company structure could require a significant amount of time, financial resources and management attention. Moreover, that process could place a burden on our operations (including our risk management operations) or information technology systems and produce unintended inconsistencies in our standards, controls, procedures or policies. The realization of the anticipated benefits of our new financial holding company structure may be blocked, delayed or reduced as a result of many factors, some of which may be outside our control. These factors include:

 

   

difficulties in integrating the diverse activities and operations of the subsidiaries of Woori Financial Group or any companies it may acquire, including risk management operations and information technology systems, personnel, policies and procedures;

 

   

failure to leverage our financial holding company structure to realize operational efficiencies and to cross-sell multiple products and services;

 

   

difficulties in reorganizing personnel, branches, networks and administrative functions;

 

   

restrictions under the Korean Financial Holding Company Act and other regulations on transactions between the financial holding company and, or among, its subsidiaries;

 

   

unforeseen contingent risks, including lack of required capital resources, increased tax liabilities or restrictions in our overseas operations, relating to the stock transfer and the financial holding company structure that may become apparent in the future; and

 

   

unexpected business disruptions.

Accordingly, we may not be able to realize the anticipated benefits of the new financial holding company structure that will be created pursuant to the stock transfer, and our business, results of operations and financial condition may suffer as a result.

Our financial holding company will depend on limited forms of funding to fund its operations.

Woori Financial Group will have no significant assets other than the shares of its subsidiaries. Its primary sources of funding and liquidity will be dividends from its subsidiaries, sales of the interests in its subsidiaries and direct borrowings and issuances of equity or debt securities at the holding company level. In addition, as a financial holding company, Woori Financial Group will be required to meet certain minimum financial ratios under Korean law, including with respect to liquidity and capital adequacy. Woori Financial Group’s ability to meet its obligations to its direct creditors and employees and its other liquidity needs and regulatory requirements will depend on timely and adequate distributions from its subsidiaries and its ability to sell its securities or obtain credit from its lenders.

The ability of the subsidiaries of Woori Financial Group, including us, to pay dividends to Woori Financial Group will depend on the financial condition and operating results of such subsidiaries. In the future,

 

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the subsidiaries may enter into agreements, such as credit agreements with lenders or indentures relating to high-yield or subordinated debt instruments, that impose restrictions on their ability to make distributions to Woori Financial Group, and the terms of future obligations and the operation of Korean law could prevent the subsidiaries from making sufficient distributions to Woori Financial Group to allow it to make payments on its outstanding obligations. See “—As a financial holding company, Woori Financial Group will largely depend on receiving dividends from its subsidiaries to pay dividends on its common stock.” Any delay in receipt of or shortfall in payments to Woori Financial Group from its subsidiaries could result in Woori Financial Group’s inability to meet its liquidity needs and regulatory requirements, including minimum liquidity and capital adequacy ratios, which may disrupt our operations at the holding company level.

In addition, creditors of Woori Financial Group will generally not be able to assert claims on the assets of the subsidiaries of Woori Financial Group. Furthermore, Woori Financial Group’s inability to sell its securities or obtain funds from its lenders on favorable terms, or at all, could also result in Woori Financial Group’s inability to meet its liquidity needs and regulatory requirements and may disrupt our operations at the holding company level.

As a financial holding company, Woori Financial Group will largely depend on receiving dividends from its subsidiaries to pay dividends on its common stock.

Since the principal assets at the holding company level will be the shares of its subsidiaries, Woori Financial Group’s ability to pay dividends on its common stock will largely depend on dividend payments from those subsidiaries. Those dividend payments are subject to the Korean Commercial Code, the Bank Act and to regulatory limitations, generally based on capital levels and retained earnings, imposed by the various regulatory agencies with authority over those entities. The ability of Woori Financial Group’s subsidiaries to pay dividends may be subject to regulatory restrictions to the extent that paying dividends would impair each of their non-consolidated profitability, financial condition or other cash flow needs. For example:

 

   

under the Korean Commercial Code, dividends may only be paid out of distributable income, an amount which is calculated by subtracting the aggregate amount of a company’s paid-in capital and certain mandatory legal reserves from its net assets, in each case as of the end of the prior annual period;

 

   

under the Bank Act, a bank also must credit at least 10% of its net profit to a legal reserve each time it pays dividends on distributable income until that reserve equals the amount of its total paid-in capital; and

 

   

under the Bank Act and the requirements of the Financial Services Commission, if a bank fails to meet its required capital adequacy ratio or otherwise subject to the management improvement measures imposed by the Financial Services Commission, then the Financial Services Commission may restrict the declaration and payment of dividends by that bank.

Woori Financial Group’s subsidiaries may not continue to meet the applicable legal and regulatory requirements for the payment of dividends in the future. If they fail to do so, they may stop paying or reduce the amount of the dividends they pay to Woori Financial Group, which would have an adverse effect on its ability to pay dividends on its common stock.

Our directors and officers may have potential conflicts of interest in supporting the stock transfer.

Some of our directors and executive officers may have interests in the stock transfer that are different from, or in addition to, your interests.         members of our board of directors (including our president and chief executive officer) and     of our executive officers have been nominated to serve on Woori Financial Group’s board of directors, which will be initially comprised of         individuals. As of                                              , 2018, the latest date for which such information is currently available, our directors and executive officers, together with their respective affiliates, beneficially owned approximately     % of the outstanding shares of our common stock.

 

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The possibility of receiving compensation or other benefits in or following the stock transfer may have influenced these directors and officers in their support of the stock transfer. See “The Stock Transfer – Interests of Certain Directors and Executive Officers in the Stock Transfer.”

Risks Relating to Woori Financial Group Common Stock and American Depositary Shares

There has been no prior market for the common stock or American depositary shares of Woori Financial Group, and the stock transfer may not result in an active or liquid market for Woori Financial Group common stock or American depositary shares.

Woori Financial Group will be formed as a new entity in connection with the stock transfer. Accordingly, there will be no public market for Woori Financial Group’s common stock or American depositary shares prior to their issuance in connection with the stock transfer. We expect that Woori Financial Group will apply to list its common stock on the KRX KOSPI Market of the Korea Exchange and to list its American depositary shares on the New York Stock Exchange. However, we expect that such listings will not occur until some time after the stock transfer is completed. If you hold shares of Woori Financial Group common stock or Woori Financial Group American depositary shares, you may not be able to trade such shares until the relevant listing occurs. Furthermore, an active public market in Woori Financial Group common stock or American depositary shares may not develop or be sustained after their issuance. In addition, if a significant number of Woori Financial Group American depositary share holders withdraw the underlying shares of Woori Financial Group common stock from Woori Financial Group’s American depositary share facility and no additional Woori Financial Group American depositary shares are issued, the liquidity of Woori Financial Group American depositary shares would be adversely affected.

The initial market price of Woori Financial Group common stock and Woori Financial Group American depositary shares immediately after their issuance is expected to be determined, among other things, by the market prices of our common stock and American depositary shares prior to the stock transfer. The initial market price of Woori Financial Group common stock and Woori Financial Group American depositary shares may not be indicative of prices that will prevail in the trading market. You may not be able to resell your Woori Financial Group common stock or American depositary shares at or above the initial market price. Market prices of Korean companies’ stock have been and continue to be volatile. Volatility in the price of Woori Financial Group common stock and American depositary shares may be caused by factors outside of our control and may be unrelated or disproportionate to Woori Financial Group’s operating results.

Ownership of Woori Financial Group common stock is restricted under Korean law.

Under the Financial Holding Company Act, a single shareholder, together with its affiliates, is generally prohibited from owning more than 10% of the issued and outstanding shares of voting stock of a bank holding company such as Woori Financial Group that controls a nationwide bank, with the exception of certain shareholders that are non-financial business group companies, whose applicable limit is 4%. To the extent that the total number of shares of Woori Financial Group common stock (including those represented by American depositary shares) that you and your affiliates own together exceeds the applicable limits, you will not be entitled to exercise the voting rights for the excess shares, and the Financial Services Commission may order you to dispose of the excess shares within a period of up to six months. Failure to comply with such an order would result in a charge compelling performance of up to 0.03% of the book value of such shares per day until the date of disposal and an administrative fine of up to W100 million. See “Supervision and Regulation of Woori Financial Group—Principal Regulations Applicable to Financial Holding Companies—Restrictions on Ownership of a Financial Holding Company.”

 

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A holder of Woori Financial Group American depositary shares may not be able to exercise dissent and appraisal rights unless it has withdrawn the underlying shares of Woori Financial Group common stock and become its direct shareholder.

In some limited circumstances, including the transfer of the whole or any significant part of Woori Financial Group’s business and the merger or consolidation of Woori Financial Group with another company, dissenting shareholders will have the right to require Woori Financial Group to purchase their shares under Korean law. However, holders of Woori Financial Group American depositary shares will not be able to exercise such dissent and appraisal rights if the depositary refuses to do so on their behalf. The deposit agreement to be entered into between Woori Financial Group and Citibank, N.A., as depositary, will not require the depositary to take any action in respect of exercising dissent and appraisal rights. In such a situation, holders of Woori Financial Group American depositary shares must withdraw the underlying common stock from the American depositary share facility (and incur charges relating to such withdrawal) and become Woori Financial Group’s direct shareholders prior to the record date of the shareholders’ meeting at which the relevant transaction is to be approved, in order to exercise dissent and appraisal rights.

A holder of Woori Financial Group American depositary shares may be limited in its ability to deposit or withdraw common stock.

Under the terms of the deposit agreement to be entered into among us, Woori Financial Group and Citibank, N.A., as depositary, holders of Woori Financial Group common stock may deposit such stock with the depositary’s custodian in Korea and obtain Woori Financial Group American depositary shares, and holders of such American depositary shares may surrender American depositary shares to the depositary for cancellation and receive Woori Financial Group common stock. However, to the extent that a deposit of common stock exceeds any limit that Woori Financial Group may specify from time to time, such common stock will not be accepted for deposit unless the consent of Woori Financial Group with respect to such deposit has been obtained. Woori Financial Group is not expected to set any such limit; however Woori Financial Group has the right to do so at any time. Under the terms of the deposit agreement, no consent will be required for deposit if the shares of common stock are obtained through a dividend, free distribution, rights offering or reclassification of such stock. Woori Financial Group is expected to agree to consent, under the terms of the deposit agreement, to any deposit unless the deposit would be prohibited by applicable laws or violate Woori Financial Group’s articles of incorporation. If Woori Financial Group chooses to impose a limit on deposits in the future, however, Woori Financial Group may not consent to the deposit of any additional common stock. As a result, if a holder surrenders American depositary shares for cancellation and withdraws common stock, it may not be able to deposit the stock again to obtain American depositary shares.

A holder of Woori Financial Group common stock or American depositary shares will not have preemptive rights in some circumstances.

The Korean Commercial Code and Woori Financial Group’s articles of incorporation will require Woori Financial Group, with some exceptions, to offer shareholders the right to subscribe for new shares of Woori Financial Group common stock in proportion to their existing shareholding ratio whenever new shares are issued. If Woori Financial Group offers any rights to subscribe for additional shares of its common stock or any rights of any other nature, the depositary, after consultation with Woori Financial Group, may make the rights available to holders of Woori Financial Group American depositary shares or use reasonable efforts to dispose of the rights on behalf of such holders and make the net proceeds available to such holders. The depositary will make rights to purchase any additional shares of Woori Financial Group common stock available to holders of Woori Financial Group American depositary shares only if:

 

   

Woori Financial Group has requested in a timely manner that those rights be made available to such holders;

 

   

the depositary has received the documents that are required to be delivered under the terms of the deposit agreement, which may include confirmation that a registration statement filed by Woori

 

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Financial Group under the U.S. Securities Act of 1933, as amended, or the Securities Act, is in effect with respect to those shares or that the offering and sale of those shares is exempt from or is not subject to the registration requirements of the Securities Act; and

 

   

the depositary determines, after consulting with Woori Financial Group, that the distribution of rights is lawful and commercially feasible.

Holders of Woori Financial Group common stock located in the United States may not exercise any such rights they receive absent registration or an exemption from the registration requirements under the Securities Act.

Woori Financial Group will not be under any obligation to file any registration statement with the SEC or to endeavor to cause such a registration statement to be declared effective. Moreover, Woori Financial Group may not be able to establish an exemption from registration under the Securities Act. Accordingly, a holder of Woori Financial Group American depositary shares may be unable to participate in rights offerings by Woori Financial Group and may experience dilution in its holdings. If a registration statement is required for a holder of Woori Financial Group American depositary shares to exercise preemptive rights but is not filed by Woori Financial Group or is not declared effective, the holder will not be able to exercise its preemptive rights for additional American depositary shares and it will suffer dilution of its equity interest in Woori Financial Group. If the depositary is unable to sell rights that are not exercised or not distributed or if the sale is not lawful or commercially feasible, it will allow the rights to lapse, in which case the holder will receive no value for these rights.

Dividend payments received by a holder on, and the amount a holder may realize upon a sale of, its Woori Financial Group American depositary shares will be affected by fluctuations in the exchange rate between the U.S. dollar and the Won.

We expect that the Woori Financial Group common stock will be listed on the KRX KOSPI Market and quoted and traded in Won. Cash dividends, if any, in respect of the shares represented by the Woori Financial Group American depositary shares will be paid to the depositary in Won and then converted by the depositary into U.S. dollars, subject to certain conditions. Accordingly, fluctuations in the exchange rate between the Won and the U.S. dollar will affect, among other things, the amounts a registered holder or beneficial owner of Woori Financial Group American depositary shares will receive from the depositary in respect of dividends, the U.S. dollar value of the proceeds which a holder or owner would receive upon sale in Korea of the shares of Woori Financial Group common stock obtained upon surrender of Woori Financial Group American depositary shares and the secondary market price of Woori Financial Group American depositary shares. Such fluctuations will also affect the U.S. dollar value of dividends and sales proceeds received by holders of Woori Financial Group common stock.

If the Korean government deems that emergency circumstances are likely to occur, it may restrict holders of Woori Financial Group common stock and the depositary from converting and remitting dividends and other amounts in U.S. dollars.

If the Korean government deems that certain emergency circumstances, including, but not limited to, severe and sudden changes in domestic or overseas economic circumstances, extreme difficulty in stabilizing the balance of payments or implementing currency, exchange rate and other macroeconomic policies, have occurred or are likely to occur, it may impose certain restrictions provided for under the Foreign Exchange Transaction Law, including the suspension of payments or requiring prior approval from governmental authorities for any transaction. See “Korean Foreign Exchange Controls and Securities Regulations—General.”

 

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A holder of Woori Financial Group common stock or American depositary shares may not be able to enforce a judgment of a foreign court against Woori Financial Group.

When established, Woori Financial Group will be a corporation with limited liability organized under the laws of Korea. We expect that substantially all of its directors and officers will reside in Korea, and all or a significant portion of the assets of such directors and officers and a substantial majority of Woori Financial Group’s assets will be located in Korea. As a result, it may not be possible for holders of Woori Financial Group common stock or American depositary shares to effect service of process within the United States, or to enforce in the United States against Woori Financial Group or its directors and officers judgments obtained in United States courts based on the civil liability provisions of the federal securities laws of the United States. There may be doubt as to the enforceability in Korea, either in original actions or in actions for enforcement of judgments of U.S. courts, of civil liabilities predicated on the U.S. federal securities laws.

 

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FORWARD-LOOKING INFORMATION

The SEC encourages companies to disclose forward-looking information so that investors can better understand a company’s future prospects and make informed investment decisions. This prospectus contains forward-looking statements, which may include statements regarding the period following completion of the stock transfer.

Words and phrases such as “aim,” “anticipate,” “assume,” “believe,” “contemplate,” “continue,” “estimate,” “expect,” “future,” “goal,” “intend,” “may,” “objective,” “plan,” “positioned,” “predict,” “project,” “risk,” “seek to,” “shall,” “should,” “will likely result,” “will pursue” and words and terms of similar substance used in connection with any discussion of the proposed stock transfer or our future operating or financial performance identify forward-looking statements. All forward-looking statements are our management’s present expectations of future events and are subject to a number of factors and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. In addition to the risks related to our business, the factors relating to the stock transfer discussed under “Risk Factors” and the risks related to the business of Woori Financial Group, once it is formed and becomes operational, among others, could cause actual results to differ materially from those described in the forward-looking statements. These factors include, but are not limited to, failure to realize the anticipated benefits of the stock transfer and adverse regulatory developments. We caution you not to place undue reliance on the forward-looking statements, which speak only as of the date they are made. Except as required by law, we are not under any obligation, and expressly disclaim any obligation, to update or alter any forward-looking statements, whether as a result of new information, future events or otherwise.

All subsequent forward-looking statements attributable to us or any person acting on our behalf are expressly qualified in their entirety by the cautionary statements contained or referred to in this section.

 

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THE EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS

Time, Place and Purpose

The extraordinary general meeting of our shareholders is scheduled to be held on the fifth floor of the Woori Bank Head Office Building, 51, Sogong-ro, Jung-gu, Seoul, Korea on                                              , 2018 at         a.m. local time. The extraordinary general meeting is being held so that the holders of our common stock can consider and vote upon a special resolution approving the stock transfer, whereby holders of our common stock will transfer all of their shares to a new financial holding company, Woori Financial Group, and in return receive shares of Woori Financial Group common stock.

Specifically, holders of our common stock will be asked to vote on a special resolution approving the stock transfer plan (including the proposed articles of incorporation of Woori Financial Group and the nominees for directors of Woori Financial Group, including those who will serve as members of the Audit Committee of the board of directors).

An English translation of the stock transfer plan, which includes the proposed articles of incorporation of Woori Financial Group and the list of our nominees for the directors of Woori Financial Group (including those who will also serve as members of the Audit Committee of the board of directors), is attached to this prospectus as Annex I. For information regarding such nominees, see “Management of Woori Financial Group.”

Voting Rights, Record Date and Votes Required

Holders of common stock recorded on our shareholder register as of the applicable record date will be entitled to attend and vote, either in person or by proxy, at the extraordinary general meeting. Our board of directors has fixed the close of business on                                              , 2018 as the record date for the determination of the holders of our common stock entitled to notice of and to vote at the extraordinary general meeting. Each share of common stock present or represented at the meeting will be entitled to one vote.

The adoption of a special resolution at the extraordinary general meeting requires the affirmative vote of at least two-thirds of the shares of our common stock present or represented at the meeting. The shares voting affirmatively must also represent at least one-third of the total issued and outstanding shares of our common stock.

Holders of our common stock who are non-financial business group companies and hold an aggregate number of shares representing in excess of 4% of our total issued and outstanding common stock will not be allowed to vote the shares representing such excess.

Share Ownership of Directors and Executive Officers

As of                                              , 2018, the latest date for which such information is currently available, our directors and executive officers and their affiliates owned, in the aggregate,                shares of our common stock, which is approximately         % of the shares of our common stock outstanding on that date. To our knowledge, our directors and executive officers intend to vote “FOR” approval of the stock transfer.

Voting by Proxy

Holders of our common stock may vote either in person at the extraordinary general meeting or by proxy. Shareholders who wish to vote their shares of common stock by proxy can do so through one of the following methods:

 

 

Voting through the Korea Securities Depository. Holders of our common stock will be entitled to instruct the Korea Securities Depository, as depository for our common stock issued in book-entry

 

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  form, as to how to vote their shares of common stock at the extraordinary general meeting. A shareholder wishing to provide voting instructions to the Korea Securities Depository must:

 

   

if it has not received from its standing proxy in Korea a voting instruction form prepared by the Korea Securities Depository, ask the standing proxy to obtain and send the voting instruction form to the shareholder; and

 

   

complete the voting instruction form and return it to the shareholder’s standing proxy in Korea by no later than                                             , 2018 (Seoul time) (or such other date as set forth in such shareholder’s agreement with its standing proxy), with instructions for the standing proxy to submit the voting instruction form to the Korea Securities Depository by the end of business on                                             , 2018.

Although there is no guarantee, if the Korea Securities Depository receives a completed voting instruction form from a shareholder through its standing proxy on or prior to                                             , 2018, the Korea Securities Depository will try to vote the shareholder’s shares in accordance with the instructions of the shareholder, as far as practical and subject to the requirements of Korean law. Shareholders will be able to change their vote after they send in their voting instruction forms to the Korea Securities Depository, by attending the meeting and voting their shares in person or, if available, by requesting their respective standing proxies to attend the meeting and vote the shares by proxy as described below.

 

   

Voting through a Standing Proxy in Korea. Depending on the terms of its agreement with its standing proxy in Korea, a holder of our common stock may also be entitled to request the standing proxy to attend the extraordinary general meeting on behalf of the shareholder and vote the shareholder’s shares by proxy in accordance with the shareholder’s instructions. Shareholders who wish to vote their shares of common stock in this manner should consult with their standing proxy. Among other things, in order to vote its shares by proxy in this manner, a shareholder must deliver a power of attorney to its standing proxy authorizing it to vote the shares on behalf of the shareholder at the extraordinary general meeting. The standing proxy will be required to produce the original power of attorney at the meeting.

A shareholder may revoke a power of attorney after it is delivered and provide a different power of attorney to its standing proxy at any time prior to the extraordinary general meeting. A shareholder may also revoke any power of attorney and attend and vote directly at the extraordinary general meeting.

If you have further questions regarding your voting rights, you should contact your standing proxy in Korea, or us at:

Woori Bank

Investor Relations Department

51, Sogong-ro, Jung-gu

Seoul 04632, Korea

Telephone: +82-2-2125-2337

Facsimile: +82-505-003-2512

e-mail: woori.ir@wooribank.com

Voting Rights of Holders of Our American Depositary Shares

Holders of our American depositary shares recorded on the applicable register of Citibank, N.A., as depositary, as of the record date will be entitled to instruct the depositary as to how to vote the shares of our common stock represented by such holders’ American depositary shares at the extraordinary general meeting. Citibank, N.A. will mail a voting instruction card to holders of record of our American depositary shares as

 

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of                                         , 2018. Voting instructions may be delivered to the depositary by completing, signing and delivering a voting instruction card to the depositary prior to the applicable cut-off date. For a holder’s voting instructions to be valid, the depositary must receive the voting instruction card by no later than 10:00 a.m. (New York Time) on                                         , 2018. Although there is no guarantee, the depositary will try to vote the shares of common stock represented by a holder’s American depositary shares in accordance with the instructions of the holder, as far as practical and subject to the requirements of Korean law. Holders of our American depositary shares will be able to change their voting instructions after they send their voting instruction card with revised voting instructions to the depositary. However, such revised voting instructions will not be valid unless the depositary receives the new voting instruction card by 10:00 a.m. (New York Time) on                                             , 2018.

In accordance with the terms of the deposit agreement for the American depositary shares, Citibank N.A. will, to the extent it does not receive timely voting instructions from any holders of our American depositary shares, vote the shares represented by such unvoted American depositary shares in the same manner and in the same proportion on each matter as the holders of all of the outstanding shares of our common stock present or represented at the extraordinary general meeting are voting on that matter.

Holders of our American depositary shares who hold an aggregate number of shares representing in excess of 4% of our total issued and outstanding common stock will not be allowed to vote the shares representing such excess.

If you are a holder of our American depositary shares and have further questions as to how to exercise your voting rights, you should contact the depositary at:

Citibank, N.A.

Shareholder Services

P.O. Box 43077

Providence, RI 02940-3077

Telephone: 1-877-248-4237

e-mail: citibank@shareholders-online.com

 

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THE STOCK TRANSFER

Background of the Stock Transfer

Our management has determined that it would be beneficial for us to reorganize our operations and those of certain of our subsidiaries under a financial holding company structure. We expect that the establishment of a new financial holding company will help lead to an efficient management structure that can effectively respond to external changes (such as changes in regulations and the earlier conversion of our competitor banks to financial holding company structures), a higher enterprise value achieved through enhanced profitability from the maximization of synergies among affiliated companies, and sustainable growth from the strengthening of customer convenience and other competitive factors.

Accordingly, on June 19, 2018, our board of directors approved a plan for a “comprehensive stock transfer” under Article 360-15 of the Korean Commercial Code, whereby holders of our common stock will transfer all of their shares to Woori Financial Group, a new financial holding company for our bank, and in return receive Woori Financial Group common stock. On                    , 2018, our board of directors resolved to further supplement the stock transfer plan, including with the list of persons to be nominated to serve as directors of Woori Financial Group.

Reasons for the Stock Transfer

The purpose of the stock transfer is to reorganize the different businesses of our bank (including certain of our subsidiaries) under a financial holding company structure whereby the financial holding company would become the parent company of our bank and certain of our subsidiaries.

We believe that the adoption of a financial holding company structure will help us increase customer satisfaction, generate synergies and maximize profitability, by creating an integrated system among our affiliated companies and allowing us to effectively provide various financial services, including comprehensive one-stop asset management services customized for clients, based on active expansion of non-banking and global business operations.

Once the stock transfer is completed, we and certain of our subsidiaries will become wholly-owned subsidiaries of a new financial holding company, Woori Financial Group.

Our organizational structure as of March 31, 2018 is illustrated by the following chart:

 

LOGO

 

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Woori Financial Group’s organizational structure after giving effect to the stock transfer is illustrated by the following chart:

 

LOGO

We may decide to make further changes to our organizational structure after completion of the stock transfer as we seek to maximize management efficiency under the new financial holding company structure. For example, subsequent to the establishment of Woori Financial Group, we plan to review the conversion of certain of our remaining subsidiaries such as Woori Card Co., Ltd. and Woori Investment Bank Co., Ltd. as direct subsidiaries of Woori Financial Group. In addition, new companies may be added as subsidiaries of Woori Financial Group as strategically necessary through new establishments or acquisitions.

Exchange of Woori Bank Common Stock and American Depositary Shares for Woori Financial Group Common Stock and American Depositary Shares

In connection with the stock transfer, holders of our common stock will transfer all of their shares of our common stock to the new financial holding company, Woori Financial Group, which will be established simultaneously with such transfer. As consideration for the shares of our common stock, Woori Financial Group will issue shares of its common stock to the holders of our common stock. In the stock transfer, each holder of one share of our common stock will receive one share of Woori Financial Group common stock. Holders of our American depositary shares, each of which represents three shares of our common stock, will receive one Woori Financial Group American depositary share for every American depositary share they own.

Prior to the date when the stock transfer becomes effective, the holders of our common stock must surrender their shares of our common stock to us, in our capacity as the transfer agent for the stock transfer, in the case of holders of shares of our common stock in certificated form. Any such common stock share certificates not surrendered will become invalid following the stock transfer. In the case of shares of our common stock deposited with the Korea Securities Depository and held by our shareholders in book-entry form, the Korea Securities Depository will cancel our deposit eligibility once the stock transfer is completed and cancel the share certificates for such shares, and no action regarding a surrender will be required by the holders of such shares. We expect that our common stock will be suspended from trading on the KRX KOSPI Market of the Korea Exchange starting from such date as designated by the Korea Exchange, which must be prior to the end of the period during which the shares of our common stock must be surrendered and/or cancelled. On the effective date of the stock transfer, the newly issued shares of Woori Financial Group common stock will be deposited with the Korea Securities Depository, which will be the clearing agency for such stock, and the Korea Securities

 

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Depository will register the newly issued shares of Woori Financial Group common stock in book-entry form in the names of the holders of our common stock of record as of the effective date of the stock transfer as consideration for the shares of our common stock previously surrendered or cancelled.

When the Woori Financial Group common stock issued in respect of our common stock underlying our American depositary shares is credited to the account of Citibank, N.A., as depositary, at the Korea Securities Depository, the Korea Securities Depository will notify Citibank, N.A. of such deposit. The Deposit Agreement, under which our American depositary shares are issued, will be amended and restated as the Second Amended and Restated Deposit Agreement, effective as of the effective date of the stock transfer. We describe such deposit agreement under “Description of Woori Financial Group’s American Depositary Shares.” Citibank, N.A. will then exchange our American depositary shares for Woori Financial Group American depositary shares.

To receive Woori Financial Group American depositary shares upon the effectiveness of the stock transfer, you do not need to take any action. Citibank, N.A. will mail a notice to registered holders of our American depositary shares informing them of the exchange of their American depositary shares for Woori Financial Group American depositary shares as well as a statement detailing the number of Woori Financial Group American depositary shares registered in their name. The Woori Financial Group American depositary shares will be issued as “uncertificated” American depositary shares, which are American depositary shares not evidenced by American depositary receipts.

Holders of our American depositary shares who hold the American depositary shares through The Depository Trust Company, or DTC, do not need to take any action in order to exchange their American depositary shares for Woori Financial Group American depositary shares. DTC, which is the clearing agency for our American depositary shares, will surrender our outstanding American depositary shares to Citibank, N.A. In exchange, Citibank, N.A. will deliver Woori Financial Group American depositary shares to DTC, which will credit the newly issued Woori Financial Group American depositary shares to the accounts of its participants to which our American depositary shares are credited as of the close of business on the day prior to the effective date of the stock transfer.

Citibank, N.A., as depositary for the American depositary shares, may and intends to charge depositary fees for the cancellation of our American depositary shares (up to U.S.$0.05 per American depositary share cancelled) and for the issuance of Woori Financial Group American depositary shares (up to U.S.$0.05 per American depositary share issued) to the holders of our American depositary shares (as of the close of business on the day prior to the effective date of the stock transfer), unless Citibank, N.A., Woori Bank and Woori Financial Group agree to waive the payment of all or a portion of such fees by the holders of American depositary shares. Any depositary fees payable by holders of American depositary shares will be charged by the DTC participants to the accounts of the beneficial owners of our American depositary shares (as of the close of business on the day prior to the effective date of the stock transfer), and will be remitted to Citibank, N.A., as depositary for the American depositary shares, by DTC and its participants on behalf of the beneficial owners.

 

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Exchange of Common Stock of Woori Bank’s Subsidiaries for Woori Financial Group Common Stock

In connection with the stock transfer, we will transfer all shares of common stock held by us of Woori FIS, Woori Finance Research Institute, Woori Credit Information, Woori Fund Services, Woori Private Equity Asset Management, all of which are our subsidiaries, to Woori Financial Group. As a result of the transfer, Woori Financial Group will own 100% of the outstanding common stock of all such subsidiaries participating in the stock transfer. As consideration for the shares of such subsidiaries’ common stock, Woori Financial Group will issue shares of its common stock to us. In the stock transfer, we will receive, for each share of common stock of the following subsidiaries, which will become wholly-owned subsidiaries of Woori Financial Group, such number of shares of Woori Financial Group common stock as set forth below as the applicable stock transfer ratio:

 

Subsidiaries Subject
to Stock Transfer

   Total Number of Shares of
Subsidiary’s Issued
Common Stock
     Stock Transfer Ratio      Total Number of Shares of Woori
Financial Group Common Stock to

Be Issued to Us(1)
 

Woori FIS

     4,900,000        0.2999709        1,469,857  

Woori Finance Research Institute

     600,000        0.1888161        113,289  

Woori Credit Information

     1,008,000        1.1037294        1,112,559  

Woori Fund Services

     2,000,000        0.4709031        941,806  

Woori Private Equity Asset Management

     6,000,000        0.0877992        526,795  

 

(1)

We will not receive any fractional shares of Woori Financial Group common stock as a result of the stock transfer. Pursuant to applicable Korean laws, all fractional shares of Woori Financial Group common stock to be issued to us will be aggregated and, excluding any fraction of such aggregate amount, will be sold by Woori Financial Group at the closing price on the date of its listing on the KRX KOSPI Market of the Korea Exchange. We will receive the proceeds from such sale.

Each of the aforementioned stock transfer ratios may be changed only with the approval of our board of directors and those of all of the above subsidiaries, if (i) the capital structure of an entity is changed due to certain events, such as the issuance of new shares of capital stock, or (ii) certain events occur which would make it reasonable to change the ratio.

Interests of Certain Directors and Executive Officers in the Stock Transfer

You should be aware that a number of our directors and officers may have agreements or arrangements that provide them with interests in the stock transfer that differ from those of our shareholders. Our board of directors was aware of these interests during its deliberations of the merits of the stock transfer.

Governance Structure and Management Positions. Pursuant to the terms of the stock transfer, upon completion of the stock transfer and the formation of Woori Financial Group, the board of directors of Woori Financial Group will be initially comprised of        individuals.            members of our board of directors (including our president and chief executive officer) and        of our executive officers have been nominated to serve on Woori Financial Group’s board of directors. See “Management of Woori Financial Group.”

Stock Ownership. As of                                        , 2018, the latest date for which such information is currently available, our directors and executive officers, together with their respective affiliates, beneficially owned            shares representing approximately        % of the outstanding shares of our common stock.

 

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Conditions to the Completion of the Stock Transfer

Under the stock transfer plan, the completion of the stock transfer is subject to the following:

 

   

we must obtain from the Financial Services Commission approval of the establishment of a financial holding company under Article 3 of the Financial Holding Company Act; and

 

   

in the event the number of shares of our common stock for which appraisal rights are exercised exceeds 15% of the total number of issued shares of our common stock, we may suspend the stock transfer and amend the stock transfer plan.

Under Korean law, our shareholders who oppose the stock transfer may exercise appraisal rights and require us to purchase their shares if the stock transfer is completed. See “—Dissent and Appraisal Rights.”

Completion and Effectiveness of the Stock Transfer

We will complete the stock transfer when all the conditions to completion of the stock transfer are satisfied, including the approval of the stock transfer by our shareholders and the relevant Korean regulatory authorities, and the absence of any suspension of the stock transfer by us as a result of the exercise of appraisal rights in respect of more than 15% of the total issued shares of our common stock. See “—Conditions to the Completion of the Stock Transfer.” The stock transfer will become effective when we register the incorporation of Woori Financial Group with the commercial registry office of the Seoul Central District Court, pursuant to the applicable requirements of Korean law. We expect to complete the stock transfer in the first quarter of 2019.

U.S. Income Tax Consequences of the Stock Transfer

The exchange of Woori Bank common stock or American depositary shares for corresponding interests in Woori Financial Group will not be a taxable transaction for U.S. tax purposes. In general, U.S. holders will not recognize gain or loss for U.S. tax purposes when they exchange our common stock or American depositary shares for Woori Financial Group common stock or American depositary shares pursuant to the stock transfer. A U.S. holder’s tax basis in Woori Financial Group common stock or American depositary shares received in the stock transfer will equal the U.S. holder’s tax basis in our common stock or American depositary shares exchanged, and a U.S. holder’s holding period in Woori Financial Group common stock or American depositary shares received will include the holder’s holding period in our common stock or American depositary shares exchanged. If you exercise your appraisal rights for your shares of our common stock and we purchase such shares for cash, the transaction will be treated for U.S. tax purposes as a taxable sale of your shares. See “Tax Considerations—United States Taxation.”

Accounting Treatment of the Stock Transfer

The stock transfer transaction involving our shareholders is a transaction among entities under common control, for which there is no specifically applicable accounting standard under IFRS. In the absence of an IFRS accounting standard that specifically applies to a transaction, the management of the relevant company must use its judgment in developing and applying an accounting policy in accordance with paragraphs 10 and 11 of International Accounting Standard 8, Accounting Policies, Changes in Accounting Estimates and Errors. In making such judgment, the management of the company may consider similar accounting standards and accepted industry practices, and accordingly, we expect that the stock transfer transaction will be accounted for as a transaction among entities under common control applying the pooling of interests method of accounting. Upon the completion of the stock transfer, Woori Financial Group will initially recognize the transferred assets and liabilities at their book value as of the date of the stock transfer in its consolidated financial statements, and no goodwill will be recognized in connection with the transaction.

Regulatory Matters

We have summarized below the material regulatory requirements affecting the stock transfer and the establishment of Woori Financial Group as a new financial holding company. Although we have not yet received

 

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all of the required approvals we discuss, we anticipate that we will receive them in time to complete the stock transfer in January 2019.

Establishment of a Financial Holding Company

Under the Financial Holding Company Act, we are required to obtain an approval from the Financial Services Commission for the establishment of a financial holding company in connection with the stock transfer. We submitted an application to the Financial Services Commission on July 20, 2018 for approval of the establishment of a financial holding company.

Stock Transfer Report

Under the Financial Investment Services and Capital Markets Act and related regulations, we are required to submit a stock transfer report to the Financial Services Commission and the Korea Exchange immediately upon any resolution by our board of directors to undertake a comprehensive stock transfer. We submitted the stock transfer report to the Financial Services Commission and the Korea Exchange on June 19, 2018, the date of the relevant resolution by our board of directors.

Stock Exchange Listings

We expect to apply to list the Woori Financial Group common stock on the KRX KOSPI Market of the Korea Exchange and to list the Woori Financial Group American depositary shares on the New York Stock Exchange. We expect that trading of our common stock on the KRX KOSPI Market of the Korea Exchange will be suspended commencing from approximately        days prior to the date of the stock transfer, and that the listing of the Woori Financial Group common stock on the KRX KOSPI Market of the Korea Exchange will not occur until approximately        days after the stock transfer is completed. Shareholders will not be able to trade their shares of Woori Financial Group common stock until such listing occurs. We also expect that the listing of the Woori Financial Group American depositary shares on the New York Stock Exchange will not occur until approximately        days after the stock transfer is completed. Holders of such American depositary shares may not be able to trade their American depositary shares until such listing occurs.

Dissent and Appraisal Rights

Holders of our common stock who oppose the stock transfer will be entitled to appraisal rights under Korean law. Appraisal rights may be exercised with respect to all or a portion of the shares of our common stock owned by a shareholder as of                                        , 2018, the record date for the extraordinary general meeting of shareholders. However, holders of our American depositary shares will not have any appraisal rights in respect of the stock transfer, since they are not holders of record of the underlying shares of our common stock.

Under the Korean Commercial Code, the Financial Investment Services and Capital Markets Act and the Financial Holding Company Act, in order to exercise the appraisal rights, a holder of our common stock must:

 

   

be able to prove that the applicable shares owned by such shareholder were acquired prior to June 19, 2018 (or that, by the next business day after such date, (i) a purchase agreement for such shares had been executed, (ii) a loan agreement for such shares had been terminated, or (iii) a legal act relating to the acquisition of such shares had been taken), and that such shareholder has maintained the ownership of such shares from the next business day until the date of the exercise of such appraisal rights. Appraisal rights will be lost with respect to shares that were sold and then repurchased during such period;

 

   

provide written notice to us of such shareholder’s dissent to the stock transfer, during the period from                     to                                                     , 2018, the day prior to the date of the

 

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extraordinary general meeting (except that beneficial owners who have entrusted their shares to a securities company must provide written notice of their dissent to such securities company, by no later than three business days prior to the date of the extraordinary general meeting);

 

   

not vote their shares in favor of the stock transfer at the extraordinary general meeting; and

 

   

within 10 days after the date of the extraordinary general meeting, request that we purchase such shareholder’s shares in a written statement specifying the class and the number of such shares, accompanied by the share certificates held by such shareholder (except that beneficial owners who have entrusted their shares to a securities company must submit an application to exercise appraisal rights to such securities company, by no later than two business days prior to the end of such 10-day period).

If the stock transfer is approved at the extraordinary general meeting, we will purchase the shares of each dissenting shareholder who has properly submitted a purchase request, within one month from the 10th day after the extraordinary general meeting. Shareholders wishing to exercise their appraisal rights must hold their shares until we purchase such shares within such one-month period. In the event that the number of shares of our common stock for which appraisal rights are exercised exceeds 15% of the total issued shares of our common stock, we may not complete the stock transfer, in which case we will not purchase any shares of dissenting shareholders. See “—Conditions to the Completion of the Stock Transfer.”

Under Korean law, the purchase price for shares in respect of which appraisal rights have been exercised is to be determined through negotiation between the dissenting shareholders and us. However, if the dissenting shareholders and we fail to agree on a purchase price, Korean law provides that the purchase price will be calculated as the arithmetic average of the weighted average closing share prices of our common stock for (1) the two-month period, (2) the one-month period and (3) the one-week period ending immediately prior to June 19, 2018, the date our board of directors approved the stock transfer. The appraisal price to be paid by us was calculated as follows using the formula described above:

 

     Woori Bank
Common Stock
 

(1)   Two-month daily closing price weighted average

   W  15,822  

(2)   One-month daily closing price weighted average

     15,988  

(3)   One-week daily closing price weighted average

     16,427  

Appraisal Price (arithmetic average of (1), (2) and (3))

   W 16,079  

Under Korean law, if we or our shareholders owning 30% or more of the shares of our common stock in respect of which appraisal rights have been exercised do not accept the appraisal price calculated as set forth above, we or such shareholders may contest such appraisal price by submitting a request to adjust the price to Financial Services Commission within one month from the date of the extraordinary general meeting.

Notwithstanding the final appraisal price determined by the Financial Services Commission, dissenting shareholders may have the right to contest such final appraisal price in court.

 

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If you wish to find out more information about how to exercise your appraisal rights, you should contact your standing proxy in Korea, or us at the following address:

Woori Bank

Investor Relations Department

51, Sogong-ro, Jung-gu

Seoul 04632, Korea

Telephone: +82-2-2125-2337

Facsimile: +82-505-003-2512

e-mail: woori.ir@wooribank.com

The Stock Transfer Plan

We believe that the foregoing summary describes all material terms of the stock transfer plan. However, because the stock transfer plan is the primary legal document that governs the stock transfer, we urge you to read the full version of the stock transfer plan, which is attached as Annex I to this prospectus.

Articles of Incorporation of Woori Financial Group

The proposed articles of incorporation of Woori Financial Group, which are included as part of the stock transfer plan attached as Annex I to this prospectus, were prepared by us and are expected to be adopted at the time of the establishment of Woori Financial Group. For a summary of the material provisions of the proposed articles of incorporation of Woori Financial Group and the rights of shareholders of Woori Financial Group under the proposed articles of incorporation, see “Description of Woori Financial Group’s Capital Stock.”

 

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INFORMATION ABOUT WOORI BANK

For information about us, including an overview of our business, organizational structure and property and a review of our operations and financial results, see our Annual Report on Form 20-F for the year ended December 31, 2017, which is incorporated by reference into this prospectus, as supplemented by the following. The following supplements certain information about us appearing under the headings corresponding to the headings below in our Annual Report on Form 20-F for the year ended December 31, 2017. If the information below differs from the information in our Annual Report on Form 20-F for the year ended December 31, 2017, you should rely on the information below.

Item 3. KEY INFORMATION

Item 3.A. Selected Financial Data

The selected consolidated financial and operating data set forth below have been derived from our unaudited consolidated interim financial statements as of June 30, 2018 and for the six-month periods ended June 30, 2017 and 2018, which have been prepared in accordance with IFRS as issued by the IASB.

IFRS 9 Financial Instruments, or IFRS 9, is effective for annual periods beginning on or after January 1, 2018 and replaces International Accounting Standard 39 Financial Instruments: Recognition and Measurement, or IAS 39. We have applied IFRS 9 in our unaudited consolidated interim financial statements as of and for the six-month period ended June 30, 2018 included elsewhere in this prospectus. As permitted by the transition rules of IFRS 9, our comparative unaudited consolidated interim financial statements as of December 31, 2017 and for the six-month period ended June 30, 2017 included elsewhere in this prospectus have not been restated to retroactively apply IFRS 9. For information regarding the impact of the application of IFRS 9 to our consolidated financial statements, see “Item 5.A. Operating Results—Changes in Accounting Standards” below and Note 2-(1)-a) of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

You should read the following data together with the more detailed information contained in “Item 5. Operating and Financial Review and Prospects” below and our unaudited consolidated interim financial statements included elsewhere in this prospectus. Our results of operations for the six-month period ended June 30, 2018 are not necessarily indicative of our results of operations for the full year 2018.

 

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Consolidated Statement of Comprehensive Income Data

 

     Six-month period ended June 30,  
     2017     2018     2018(1)  
     (in billions of Won except per
share data)
    (in millions of
U.S.$ except per
share data)
 

Interest income

   W 4,189     W 4,643     U.S.$ 4,176  

Interest expense

     (1,639     (1,879     (1,690
  

 

 

   

 

 

   

 

 

 

Net interest income

     2,550       2,764       2,486  

Fees and commissions income

     1,014       1,113       1,001  

Fees and commissions expense

     (476     (510     (459
  

 

 

   

 

 

   

 

 

 

Net fees and commissions income

     538       603       542  

Dividend income

     59       50       45  

Net gain on financial instruments at fair value through profit or loss (IFRS 9)

     —         117       105  

Net loss on financial instruments at fair value through profit or loss
(IAS 39)

     (146     —         —    

Net gain on financial assets at fair value through other comprehensive income

     —         1       1  

Net gain on available-for-sale financial assets

     104       —         —    

Net gain arising on financial assets at amortized cost

     —         31       28  

Reversal of allowance for (impairment losses due to) credit loss

     (284     29       26  

General and administrative expenses

     (1,538     (1,567     (1,410

Net other operating income (expenses)(2)

     201       (220     (197
  

 

 

   

 

 

   

 

 

 

Operating income

     1,484       1,808       1,626  

Share of loss of joint ventures and associates

     (64     (2     (2

Net other non-operating income (expenses)

     10       (5     (4
  

 

 

   

 

 

   

 

 

 

Non-operating loss

     (54     (7     (6

Net income before income tax expense

     1,430       1,801       1,620  

Income tax expense

     (321     (485     (436
  

 

 

   

 

 

   

 

 

 

Net income

   W 1,109     W 1,316     U.S.$ 1,184  
  

 

 

   

 

 

   

 

 

 

Net gain on valuation of equity securities at fair value through other comprehensive income

   W —       W 31     U.S.$ 28  

Net gain on valuation of financial liabilities designated as at fair value through profit or loss due to own credit risk

     —         —         —    

Items out of change in equity method securities due to change in equity of investee that will not be reclassified to profit or loss

     (3     1       1  

Remeasurement loss related to defined benefit plan

     (10     (59     (53
  

 

 

   

 

 

   

 

 

 

Items that will not be reclassified to profit or loss

     (13     (27     (24

Net gain on valuation of debt securities at fair value through other comprehensive income

     —         10       9  

Net loss on valuation of available-for-sale financial assets

     (29     —         —    

Share of other comprehensive gain of joint ventures and associates

     5       —         —    

Gain (loss) on foreign currency translation of foreign operations

     (68     36       32  

Net loss on valuation of cash flow hedge

     (2     (6     (6

Net loss on disposal of assets held for sale

     —         (5     (4
  

 

 

   

 

 

   

 

 

 

Items that may be reclassified to profit or loss

     (94     35       31  

Other comprehensive income (loss), net of tax

     (107     8       7  
  

 

 

   

 

 

   

 

 

 

Total comprehensive income

   W 1,002     W 1,324     U.S.$ 1,191  
  

 

 

   

 

 

   

 

 

 

Net income attributable to owners

     1,098       1,306       1,175  

Net income attributable to non-controlling interests

     11       10       9  

Comprehensive income attributable to owners

     996       1,315       1,183  

Comprehensive income attributable to non-controlling interests

     6       9       8  

Basic and diluted earnings per share

   W 1,497     W 1,828     U.S.$ 1.644  

 

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     Six-month period ended June 30,  
     2017      2018      2018(1)  
     (in billions of Won except per
share data)
     (in millions of
U.S.$ except per
share data)
 

Per common share data:

        

Net income (loss) per share—basic

   W 1,497      W 1,828      U.S.$ 1.644  

Weighted average common shares outstanding—basic (in thousands)

     673,271        673,271        673,271  

Net income per share—diluted

   W 1,497      W 1,828      U.S.$ 1.644  

Weighted average common shares outstanding—diluted (in thousands)

     673,271        673,271        673,271  

Cash dividends paid per share

   W 400      W 500      U.S.$ 0.45  

 

(1)

Won amounts are expressed in U.S. dollars at the rate of W1,111.8 to U.S.$1.00, the noon buying rate in effect on June 30, 2018 as quoted by the Federal Reserve Bank of New York in the United States.

(2)

For a description of “net other operating income (expenses),” see Note 40 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

 

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Consolidated Statement of Financial Position Data

 

     As of
December 31,
2017
    As of June 30, 2018(1)  
     (in billions of Won)    

(in millions

of U.S.$)

 

Assets

      

Cash and cash equivalents

   W 6,908     W 5,920     U.S.$ 5,325  

Financial assets at fair value through profit or loss (IFRS 9)

     —         6,341       5,703  

Financial assets at fair value through profit or loss (IAS 39)

     5,843       —         —    

Financial assets at fair value through other comprehensive income

     —         14,645       13,172  

Available-for-sale financial assets

     15,353       —         —    

Securities at amortized cost

     —         17,702       15,922  

Held-to-maturity financial assets

     16,749       —         —    

Loans and other financial assets at amortized cost

     —         277,720       249,793  

Loans and receivables

     267,106       —         —    

Investments in joint ventures and associates

     417       413       371  

Investment properties

     371       381       343  

Premises and equipment

     2,478       2,451       2,204  

Intangible assets and goodwill

     519       653       588  

Assets held for sale

     49       19       17  

Current tax assets

     5       11       10  

Deferred tax assets

     280       90       81  

Derivative assets

     59       12       11  

Other assets(2)

     158       203       183  
  

 

 

   

 

 

   

 

 

 

Total assets

   W 316,295     W 326,561     U.S.$ 293,723  
  

 

 

   

 

 

   

 

 

 

Liabilities

      

Financial liabilities at fair value through profit or loss (IFRS 9)

   W —       W 2,578     U.S.$ 2,319  

Financial liabilities at fair value through profit or loss (IAS 39)

     3,428       —         —    

Deposits due to customers

     234,695       237,900       213,977  

Borrowings

     14,785       15,900       14,301  

Debentures

     27,869       26,753       24,063  

Provisions

     410       386       348  

Net defined benefit liability

     43       100       90  

Current tax liabilities

     233       154       139  

Deferred tax liabilities

     23       15       13  

Derivative liabilities

     68       68       61  

Other financial liabilities(3)

     13,892       21,408       19,255  

Other liabilities(4)

     284       303       272  
  

 

 

   

 

 

   

 

 

 

Total liabilities

   W 295,730     W 305,565     U.S.$ 274,838  
  

 

 

   

 

 

   

 

 

 

Equity

      

Owners’ equity

      

Capital stock

   W 3,381     W 3,381     U.S.$ 3,041  

Hybrid securities

     3,018       2,763       2,485  

Capital surplus

     286       286       257  

Other equity(5)

     (1,939     (2,113     (1,901

Retained earnings

     15,620       16,473       14,817  

Non-controlling interests

     199       206       186  
  

 

 

   

 

 

   

 

 

 

Total equity

   W 20,565     W 20,996     U.S.$ 18,885  
  

 

 

   

 

 

   

 

 

 

Total liabilities and equity

   W 316,295     W 326,561     U.S.$ 293,723  
  

 

 

   

 

 

   

 

 

 

 

(1)

Won amounts are expressed in U.S. dollars at the rate of W1,111.8 to U.S.$1.00, the noon buying rate in effect on June 30, 2018 as quoted by the Federal Reserve Bank of New York in the United States.

(2)

For a description of “other assets,” see Notes 19 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

(3)

For a description of “other financial liabilities,” see Note 25 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

 

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Table of Contents
(4)

For a description of “other liabilities,” see Note 25 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

(5)

For a description of “other equity,” see Note 30 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Profitability Ratios and Other Data

 

     Six-month period ended June 30,  
     2017     2018  
     (in billions of Won, except percentages)  

Return on average assets(1)

     0.71     0.81

Return on average equity(2)

     10.60       12.50  

Net interest spread(3)

     1.66       1.74  

Net interest margin(4)

     1.71       1.78  

Cost-to-income ratio(5)

     50.63       56.35  

Average equity as a percentage of average total assets

     6.72       6.51  

Total revenue(6)

   W 5,220     W 5,955  

Operating expense(7)

     3,452       4,176  

Operating margin(8)

     1,768       1,779  

Operating margin as a percentage of total revenue

     33.87     29.87

 

(1)

Represents annualized net income attributable to owners as a percentage of average total assets. Average balances are based on daily balances for us and on quarterly balances for all of our subsidiaries and our structured companies.

(2)

Represents annualized net income attributable to owners as a percentage of average equity. Average balances are based on daily balances for us and on quarterly balances for all of our subsidiaries and our structured companies.

(3)

Represents the difference between the annualized yield on average interest-earning assets and annualized cost of average interest-bearing liabilities.

(4)

Represents the ratio of annualized net interest income to average interest-earning assets.

(5)

Represents the ratio of non-interest expense (excluding impairment losses due to credit loss) to the sum of net interest income and non-interest income.

(6)

Represents the sum of interest income, fees and commissions income, dividend income, net gain (loss) on financial instruments at fair value through profit or loss, net gain on financial assets at fair value through other comprehensive income and net gain arising on financial assets at amortized cost (or net gain (loss) on available-for-sale financial assets).

The following table shows how total revenue is calculated:

 

     Six-month period ended June 30,  
     2017     2018  
     (in billions of Won)  

Interest income

   W 4,189     W 4,643  

Fees and commissions income

     1,014       1,113  

Dividend income

     59       50  

Net gain on financial instruments at fair value through profit or loss (IFRS 9)

     —         117  

Net loss on financial instruments at fair value through profit or loss (IAS 39)

     (146     —    

Net gain on financial assets at fair value through other comprehensive income

     —         1  

Net gain on available-for-sale financial assets

     104       —    

Net gain arising on financial assets at amortized cost

     —         31  
  

 

 

   

 

 

 

Total revenue

   W 5,220     W 5,955  
  

 

 

   

 

 

 

 

(7)

Represents interest expense, fees and commissions expense, general and administrative expense and net other operating income (expense), excluding reversal of allowance for (impairment losses due to) credit loss of W(284) billion and W29 billion for the six-month period ended June 30, 2017 and 2018, respectively.

 

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The following table shows how operating expense is calculated:

 

     Six-month period ended June 30,  
     2017     2018  
     (in billions of Won)  

Interest expense

   W 1,639     W 1,879  

Fees and commissions expense

     476       510  

General and administrative expenses

     1,538       1,567  

Net other operating expenses (income)

     (201     220  
  

 

 

   

 

 

 

Operating expense

   W 3,452     W 4,176  
  

 

 

   

 

 

 

 

(8)

Represents total revenue less operating expense.

Asset Quality Data

 

     As of December 31, 2017     As of June 30, 2018  
     (in billions of Won, except percentages)  

Total loans(1)

   W 252,793     W 250,340  

Total non-performing loans(2)

     1,853       1,267  

Other impaired loans not included in non-performing loans

     374       723  

Total non-performing loans and other impaired loans

     2,227       1,990  

Total allowance for credit losses

     1,770       1,750  

Non-performing loans as a percentage of total loans

     0.73     0.51

Non-performing loans as a percentage of total assets

     0.59       0.39  

Total non-performing loans and other impaired loans as a percentage of total loans

     0.88       0.79  

Allowance for credit losses as a percentage of total loans

     0.70       0.70  

 

(1)

Not including due from banks and other receivables, and prior to deducting allowance for credit losses and present value discount or reflecting deferred origination costs.

(2)

Defined as those loans that are past due by 90 days or more or classified as substandard or below based on the Financial Services Commission’s asset classification criteria. See “Item 4.B. Business Overview—Assets and Liabilities—Asset Quality of Loans—Loan Classifications” of our Annual Report on Form 20-F for the year ended December 31, 2017, which is incorporated by reference into this prospectus.

 

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Selected Financial Information

Average Balances and Related Interest

The following tables show our average balances and interest rates for the six-month periods ended June 30, 2017 and 2018:

 

     Six-month period ended June 30,  
     2017     2018  
     Average
Balance(1)
     Interest
Income
     Average
Yield(2)
    Average
Balance(1)
     Interest
Income
     Average
Yield(2)
 
     (in billions of Won, except percentages)  

Assets

                

Interest-earning assets

                

Due from banks

   W 15,468      W 41        0.54   W 17,036      W 61        0.72

Loans(3)

                

Commercial and industrial

     94,737        1,531        3.24       98,337        1,660        3.38  

Trade financing

     12,169        113        1.86       11,760        149        2.54  

Lease financing(4)

     27        1        4.13       87        2        3.49  

Other commercial

     8,694        97        2.24       11,756        138        2.34  

General purpose household(5)

     65,091        1,101        3.38       70,881        1,264        3.56  

Mortgage

     47,924        695        2.90       47,655        747        3.14  

Credit cards(6)

     6,683        272        8.14       7,223        291        8.06  
  

 

 

    

 

 

      

 

 

    

 

 

    

Total loans

     235,325        3,810        3.24       247,699        4,251        3.44  

Securities

                

Trading(7)

     2,691        27        2.00       3,959        29        1.46  

Investment(8)

     32,988        294        1.78       29,692        288        1.94  
  

 

 

    

 

 

      

 

 

    

 

 

    

Total securities

     35,679        321        1.80       33,651        317        1.88  

Other

     10,969        17        0.30       11,756        14        0.24  

Total average interest-earning assets

     297,441        4,189        2.82       310,142        4,643        3.00  
  

 

 

    

 

 

      

 

 

    

 

 

    

Total average non-interest-earning assets

     10,739        —          —         11,028        —          —    
  

 

 

    

 

 

      

 

 

    

 

 

    

Total average assets

   W 308,180      W 4,189        2.72   W 321,170      W 4,643        2.90
  

 

 

    

 

 

      

 

 

    

 

 

    

 

     Six-month period ended June 30,  
     2017     2018  
     Average
Balance(1)
     Interest
Expense
     Average
Cost(2)
    Average
Balance(1)
     Interest
Expense
     Average
Cost(2)
 
     (in billions of Won, except percentages)  

Liabilities

                

Interest-bearing liabilities

                

Deposits due to customers

                

Demand deposits

   W 8,176      W 26        0.64   W 8,445      W 25        0.60

Time and savings deposits

     184,981        994        1.08       194,776        1,143        1.18  

Certificates of deposit

     4,192        36        1.72       4,383        42        1.92  

Other deposits

     24,188        118        0.98       26,386        149        1.12  
  

 

 

    

 

 

      

 

 

    

 

 

    

Total deposits

     221,537        1,174        1.06       233,990        1,359        1.16  

Borrowings

     18,512        116        1.26       14,907        130        1.74  

Debentures

     24,469        306        2.50       27,307        347        2.54  

Other

     18,990        43        0.46       19,875        43        0.44  
  

 

 

    

 

 

      

 

 

    

 

 

    

Total average interest-bearing liabilities

     283,508        1,639        1.16       296,079        1,879        1.26  
  

 

 

    

 

 

      

 

 

    

 

 

    

Total average non-interest-bearing liabilities

     3,958        —          —         4,196        —          —    
  

 

 

    

 

 

      

 

 

    

 

 

    

Total average liabilities

     287,466        1,639        1.14       300,275        1,879        1.26  
  

 

 

    

 

 

      

 

 

    

 

 

    

Total average equity

     20,714        —          —         20,895        —          —    
  

 

 

    

 

 

      

 

 

    

 

 

    

Total average liabilities and equity

   W 308,180      W 1,639        1.06   W 321,170      W 1,879        1.18
  

 

 

    

 

 

      

 

 

    

 

 

    

 

(1)

Average balances are based on daily balances for us and on quarterly balances for all of our subsidiaries and our structured companies.

 

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(2)

On an annualized basis.

(3)

Not including other receivables, and prior to deducting allowance for credit losses and present value discount or reflecting deferred origination costs.

(4)

Includes automobile lease financing to consumer borrowers.

(5)

Includes home equity loans.

(6)

Interest income from credit cards is derived from interest on credit card loans and credit card installment purchases.

(7)

Includes financial assets at fair value through profit or loss.

(8)

Includes financial assets at fair value through other comprehensive income and securities at amortized cost (or available-for-sale financial assets and held-to-maturity financial assets).

Analysis of Changes in Net Interest Income—Volume and Rate Analysis

The following table provides an analysis of changes in interest income, interest expense and net interest income based on changes in volume and changes in rates, for the six-month period ended June 30, 2018 compared to the six-month period ended June 30, 2017. Information is provided with respect to: (1) effects attributable to changes in volume (changes in volume multiplied by prior rate) and (2) effects attributable to changes in rate (changes in rate multiplied by prior volume). Changes attributable to the combined impact of changes in rate and volume have been allocated proportionately to the changes due to volume changes and changes due to rate changes.

 

     First six months of 2018 vs. first six months of 2017
increase/(decrease) due to changes in
 
     Volume     Rate     Total  
     (in billions of Won)  

Interest-earning assets

  

Due from banks

   W 4     W 16     W 20  

Loans(1)

      

Commercial and industrial

     58       71       129  

Trade financing

     (4     40       36  

Lease financing(2)

     2       (1     1  

Other commercial

     34       7       41  

General purpose household(3)

     98       65       163  

Mortgage

     (4     56       52  

Credit cards

     22       (3     19  

Securities

      

Trading(4)

     13       (11     2  

Investment(5)

     (29     23       (6

Other

     1       (4     (3
  

 

 

   

 

 

   

 

 

 

Total interest income

   W 195     W 259     W 454  
  

 

 

   

 

 

   

 

 

 

Interest-bearing liabilities

      

Deposits due to customers

      

Demand deposits

   W 1     W (2   W (1

Time and savings deposits

     53       96       149  

Certificates of deposit

     2       4       6  

Other deposits

     11       20       31  

Borrowings

     (23     37       14  

Debentures

     35       6       41  

Other

     2       (2     —    
  

 

 

   

 

 

   

 

 

 

Total interest expense

   W 81     W 159     W 240  
  

 

 

   

 

 

   

 

 

 

Net interest income

   W 114     W 100     W 214  
  

 

 

   

 

 

   

 

 

 

 

(1)

Not including other receivables and prior to deducting allowance for credit losses and present value discount or reflecting deferred origination costs.

(2)

Includes automobile lease financing to consumer borrowers.

(3)

Includes home equity loans.

(4)

Includes financial assets at fair value through profit or loss.

(5)

Includes financial assets at fair value through other comprehensive income and securities at amortized cost (or available-for-sale financial assets and held-to-maturity financial assets).

 

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Table of Contents

Item 5. OPERATING AND FINANCIAL REVIEW AND PROSPECTS

Item 5.A. Operating Results

Overview

The following discussion is based on our unaudited consolidated interim financial statements, which have been prepared in accordance with IFRS as issued by the IASB. This discussion should be read together with our unaudited consolidated interim financial statements and related notes included elsewhere in this prospectus. Unless otherwise specified, the information provided below is stated on a consolidated basis.

Changes in Accounting Standards

IFRS 9, issued by the International Accounting Standard Board in July 2014, is a new accounting standard aimed at improving and simplifying the accounting treatment of financial instruments and is effective for annual periods beginning on or after January 1, 2018. IFRS 9 replaces IAS 39 and requires all financial assets to be classified and measured on the basis of an entity’s business model for managing financial assets and the contractual cash flow characteristics of the financial assets. A new impairment model is introduced which requires recording of allowance for credit losses based on expected credit losses instead of incurred losses (as was the case under IAS 39), and recognition of any subsequent changes in expected credit losses in profit or loss. Also, hedge accounting rules are amended to allow more hedging instruments and hedged items to qualify for hedge accounting. The impact on our financial statements due to the application of IFRS 9 depends on judgments made by us in applying the new standard, the nature of financial instruments held by us and macroeconomic variables.

We have applied IFRS 9 in our unaudited consolidated interim financial statements as of and for the six-month period ended June 30, 2018 included elsewhere in this prospectus. As permitted by the transition rules of IFRS 9, our comparative unaudited interim consolidated financial statements as of December 31, 2017 and for the six-month period ended June 30, 2017 included elsewhere in this prospectus have not been restated to retroactively apply IFRS 9.

The classification of financial assets in accordance with IAS 39 and IFRS 9 as of January 1, 2018 is as follows:

 

Account

 

Classification according to IAS 39

   

Classification according to IFRS 9

 
        (in billions
of Won)
        (in billions
of Won)
 

Deposit

  Loans and receivables   W 8,871     Loans and other financial assets at amortized cost   W 8,871  

Deposit

  Financial assets at fair value through profit or loss     26     Financial assets at fair value through profit or loss     26  

Debt securities

  Financial assets at fair value through profit or loss     2,654     Financial assets at fair value through profit or loss(1)     2,654  

Equity securities

  Financial assets at fair value through profit or loss     47     Financial assets at fair value through profit or loss(1)     47  

Derivatives

  Financial assets at fair value through profit or loss     3,116     Financial assets at fair value through profit or loss(1)     3,114  

Equity securities

  Available-for-sale financial assets     1,274     Financial assets at fair value through profit or loss(1)     1,275  

Equity securities

  Available-for-sale financial assets    

 

850

 

 

 

  Financial assets at fair value through other comprehensive income     850  

Debt securities

  Available-for-sale financial assets     47     Financial assets at fair value through profit or loss     47  

 

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Table of Contents

Account

 

Classification according to IAS 39

   

Classification according to IFRS 9

 
        (in billions
of Won)
        (in billions
of Won)
 

Debt securities

  Available-for-sale financial assets  

 

 

 

12,874

 

 

  Financial assets at fair value through other comprehensive income     12,874  

Debt securities

  Available-for-sale financial assets     308     Securities at amortized cost     322  

Debt securities

  Held-to-maturity financial assets     16,749     Securities at amortized cost     16,749  

Loans

  Loans and receivables     279     Financial assets at fair value through profit or loss(1)     280  

Loans

  Loans and receivables     253,014     Loans and other financial assets at amortized cost     253,014  

Derivatives

  Derivatives     60     Derivatives     60  

Other financial assets

  Loans and receivables     6,772     Loans and other financial assets at amortized cost     6,772  
   

 

 

     

 

 

 

Total financial assets

    W 306,941       W 306,955  
   

 

 

     

 

 

 

 

(1)

Under IAS 39, the embedded derivatives of hybrid financial instruments were accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivatives were met and the rest of the host contracts in those instruments were recorded as available-for-sale financial assets or loans and receivables. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instrument, hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.

For additional information regarding IFRS 9 and the impact of its application to our consolidated financial statements, see Note 2-(1)-a) of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Among other things, the application of IFRS 9 resulted in a one-off increase of W308 billion in our allowance for credit losses (and related decreases within our retained earnings) in the opening balances as of January 1, 2018 for our consolidated statement of financial position. The application of IFRS 9 may continue to result in higher impairment loss allowances that are recognized earlier, on a forward-looking basis and on a broader scope of financial instruments than was the case under IAS 39. In addition, the move from incurred to expected credit losses will have the potential to impact our performance under stressed economic conditions. Measurement requires increased complexity in our impairment modeling as it involves a greater degree of management judgment with respect to forward-looking information. We expect that impairment charges will tend to be more volatile as a result.

 

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Results of Operations

Net Interest Income

The following table shows, for the periods indicated, the principal components of our interest income.

 

     Six-month period ended June 30,     Percentage change  
     2017     2018     First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)     (%)  

Interest income

      

Financial assets at fair value through profit or loss (IFRS 9)

   W —       W 29       N/A (1)  

Financial assets at fair value through profit or loss (IAS 39)

     27       —         N/A  

Financial assets at fair value through other comprehensive income

     —         119       N/A  

Available-for-sale financial assets

     144       —         N/A  

Securities at amortized cost

     —         169       N/A  

Held to maturity financial assets

     149       —         N/A  

Financial assets at amortized cost:

         N/A  

Interest on due from banks

     —         61       N/A  

Interest on loans

     —         4,251       N/A  

Interest on other receivables

     —         14       N/A  
  

 

 

   

 

 

   

Subtotal

     —         4,326       N/A  
  

 

 

   

 

 

   

Loans and receivables:

         N/A  

Interest on due from banks

     41       —         N/A  

Interest on loans

     3,810       —         N/A  

Interest on other receivables

     18       —         N/A  
  

 

 

   

 

 

   

Subtotal

     3,869       —         N/A  
  

 

 

   

 

 

   

Total interest income

     4,189       4,643       10.8
  

 

 

   

 

 

   

Interest expense

      

Deposits

     (1,174     (1,359     15.8  

Borrowings

     (116     (130     12.1  

Debentures

     (306     (347     13.4  

Others

     (43     (43     —    
  

 

 

   

 

 

   

Total interest expense

     (1,639     (1,879     14.6  
  

 

 

   

 

 

   

Net interest income

   W 2,550     W 2,764       8.4  
  

 

 

   

 

 

   

Net interest margin(2)

     1.71     1.78  

 

(1)

N/A = not applicable.

(2)

The ratio of annualized net interest income to average interest-earning assets.

Interest Income

Interest income increased 10.8% from W4,189 billion in the first six months of 2017 to W4,643 billion in the first six months of 2018, primarily due to an 11.6% increase in interest on loans. A substantial majority of loans that were classified as “loans and receivables” under IAS 39 in 2017 are currently classified as “financial assets at amortized cost” under IFRS 9, while a small portion of loans that were classified as “loans and receivables” under IAS 39 in 2017 are currently classified as “financial assets at fair value through profit or loss” under IFRS 9. See “—Changes in Accounting Standards.” The annualized average yield on interest-earning

 

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assets increased 18 basis point from 2.82% in the first six months of 2017 to 3.00% in the first six months of 2018, which reflected an increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017. The effect of this increase was enhanced by a 4.3% increase in average balance of interest-earning assets from W297,441 billion in the first six months of 2017 to W310,142 in the first six months of 2018, principally due to the growth of our loan portfolio.

The 11.6% increase in interest on loans from W3,810 billion in the first six months of 2017 to W4,251 billion in the first six months of 2018 was principally due to:

 

   

an 8.9% increase in the average volume of general purpose household loans (including home equity loans) from W65,091 billion in the first six months of 2017 to W70,881 billion in the first six months of 2018, which was enhanced by an 18 basis point increase in the annualized average yield on such loans from 3.38% in the first six months of 2017 to 3.56% in the first six months of 2018;

 

   

a 14 basis point increase in the annualized average yield on commercial and industrial loans from 3.24% in the first six months of 2017 to 3.38% in the first six months of 2018, as well as a 3.8% increase in the average volume of such loans from W94,737 billion in the first six months of 2017 to W98,337 billion in the first six months of 2018;

 

   

a 24 basis point increase in the annualized average yield on mortgage loans from 2.90% in the first six months of 2017 to 3.14% in the first six months of 2018, which was partially offset by a 0.6% decrease in the average volume of such loans from W47,924 billion in the first six months of 2017 to W47,655 billion in the first six months of 2018; and

 

   

a 35.2% increase in the average volume of other commercial loans from W8,694 billion in the first six months of 2017 to W11,756 billion in the first six months of 2018, which was enhanced by a 10 basis point increase in the annualized average yield on such loans from 2.24% in the first six months of 2017 to 2.34% in the first six months of 2018.

The annualized average yields on general purpose household, commercial and industrial, mortgage and other commercial loans increased mainly due to the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017. The average volumes of general purpose household, commercial and industrial and other commercial loans increased primarily due to increased demand from borrowers in anticipation of further increases in the general level of interest rates in Korea. The average volume of mortgage loans decreased principally due to decreased demand for mortgage loans, mainly reflecting a decline in purchases of housing by consumers in Korea as well as the strengthening of mortgage lending regulations by the Korean government.

Overall, the annualized average yield on loans increased by 20 basis points from 3.24% in the first six months of 2017 to 3.44% in the first six months of 2018, while the average volume of loans increased 5.3% from W235,325 billion in the first six months of 2017 to W247,699 billion in the first six months of 2018.

Interest Expense

Interest expense increased 14.6% from W1,639 billion in the first six months of 2017 to W1,879 billion in the first six months of 2018, primarily due to a 15.8% increase in interest expense on deposits, which was enhanced by a 13.4% increase in interest expense on debentures. The annualized average cost of interest-bearing liabilities increased 10 basis points from 1.16% in the first six months of 2017 to 1.26% in the first six months of 2018, which reflected the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017. The effect of this increase was enhanced by a 4.4% increase in the average balance of interest-bearing liabilities from W283,508 billion in the first six months of 2017 to W296,079 billion in the first six months of 2018, principally due to an increase in the average balance of deposits.

 

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The 15.8% increase in interest expense on deposits from W1,174 billion in the first six months of 2017 to W1,359 billion in the first six months of 2018 resulted mainly from a 15.0% increase in interest expense on time and savings deposits from W994 billion in the first six months of 2017 to W1,143 billion in the first six months of 2018.

The increase in interest expense on time and savings deposits was principally due to a 10 basis point increase in the annualized average cost of such deposits from 1.08% in the first six months of 2017 to 1.18% in the first six months of 2018, which was enhanced by a 5.3% increase in the average balance of such deposits from W184,981 billion in the first six months of 2017 to W194,776 billion in the first six months of 2018. The increase in the annualized average cost of time and savings deposits was primarily attributable to the increase in the general level of interest rates in Korea in the first six months of 2017 compared to the first six months of 2018, while the increase in the average volume of such deposits mainly reflected customers’ continuing preference for low-risk products and institutions in Korea in light of the continuing uncertainty in financial markets in the first six months of 2018.

Overall, the annualized average cost of deposits increased by 10 basis points from 1.06% in the first six months of 2017 to 1.16% in the first six months of 2018, while the average volume of deposits increased 5.6% from W221,537 billion in the first six months of 2017 to W233,990 billion in the first six months of 2018.

The 13.4% increase in interest expense on debentures from W306 billion in the first six months of 2017 to W347 billion in the first six months of 2018 was primarily due to an 11.6% increase in the average balance of debentures from W24,469 billion in the first six months of 2017 to W27,307 billion in the first six months of 2018, which was mainly attributable to our increased use of debentures to meet our funding needs. Such increase was enhanced by a 4 basis point increase in the annualized average cost of debentures from 2.50% in the first six months of 2017 to 2.54% in the first six months of 2017, which mainly reflected the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017.

Net Interest Margin

Net interest margin represents the ratio of annualized net interest income to average interest-earning assets. Our overall net interest margin increased from 1.71% in the first six months of 2017 to 1.78% in the first six months of 2018, as an 8.4% increase in our net interest income from W2,550 billion in the first six months of 2017 to W2,764 billion in the first six months of 2018 outpaced a 4.3% increase in the average balance of our interest-earning assets from W297,441 billion in the first six months of 2017 to W310,142 billion in the first six months of 2018. The growth in average interest-earning assets was largely matched by a 4.4% increase in average interest-bearing liabilities from W283,508 billion in the first six months of 2017 to W296,079 billion in the first six months of 2018, but the increase in interest income outpaced the increase in interest expense, resulting in the increase in net interest income. The magnitude of this increase was enhanced by an increase in our net interest spread, which represents the difference between the annualized average yield on our interest-earning assets and the annualized average cost of our interest-bearing liabilities, from 1.66% in the first six months of 2017 to 1.74% in the first six months of 2018. The increase in net interest spread resulted from a larger increase in the annualized average yield on interest-earning assets between the two periods compared to the increase in the annualized average cost of interest-bearing liabilities, as interest rates on interest-bearing liabilities adjusted later than those on interest-earning assets in the context of the higher interest rate environment in the first six months of 2018.

 

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Reversal of Allowance for (Impairment Losses Due to) Credit Loss

The following table shows, for the periods indicated, the components of our reversal of allowance for (impairment losses due to) credit loss.

 

     Six-month period ended June 30,      Percentage change  
     2017      2018      First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)      (%)  

Reversal of credit loss on financial assets at fair value through other comprehensive income

   W —        W —          —    

Reversal of credit loss on securities at amortized cost

     —          —          —    

Provisions for credit loss on loans and other financial assets at amortized cost

     —          (61      N/A (1)  

Impairment losses on loans and receivables

     (334      —          N/A  

Reversal of provisions for guarantees

     45        87        93.3

Reversal of provisions for loan commitments

     5        3        (40.0
  

 

 

    

 

 

    

Total reversal of allowance for (impairment losses due to) credit loss

   W (284    W 29        N/M (2)  
  

 

 

    

 

 

    

 

(1)

N/A = not applicable.

(2)

N/M = not meaningful.

Reversal of allowance for (impairment losses due to) credit loss changed from a net loss of W284 billion in the first six months of 2017 to a net reversal of W29 billion in the first six months of 2018. This change was primarily attributable to an 81.7% decrease in provisions for credit loss on loans and other financial assets at amortized cost in the first six months of 2018 compared to impairment losses on loans and receivables in the first six months of 2017, which was enhanced by a 93.3% increase in reversal of provisions for guarantees.

The 81.7% decrease from impairment losses on loans and receivables of W334 billion in the first six months of 2017 to provisions for credit loss on loans and other financial assets at amortized cost of W61 billion in the first six months of 2018 was primarily due to a net reversal of loan loss allowances for corporate loans in the first six months of 2018, mainly reflecting an improvement in the overall asset quality of such loans, which was partially offset by an increase in loan loss provisions for consumer loans, principally as a result of an increase in the volume of general purpose household loans. The 93.3% increase in reversal of provisions for guarantees from W45 billion in the first six months of 2017 to W87 billion in the first six months of 2018 was mainly attributable to an increase in the amount of guarantees extended on behalf of certain corporate customers that were terminated in the first six months of 2018 compared to the first six months of 2017.

Allowance for Credit Losses

For information on our allowance for credit losses, see “Item 5.A. Operating Results—Critical Accounting Policies—Impairment of Loans and Allowance for Credit Losses” and “Item 4.B. Business Overview—Assets and Liabilities—Loan Portfolio—Allocation and Analysis of Allowances for Credit Losses” in our Annual Report on Form 20-F for the year ended December 31, 2017 incorporated by reference in this prospectus.

 

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Corporate Loans

The following table shows, for the periods indicated, certain information regarding our impaired corporate loans (including government loans and bank loans):

 

     As of
December 31,
2017
    As of
June 30,
2018
 

Impaired corporate loans as a percentage of total corporate loans

     1.2     1.1

Allowance for credit losses for corporate loans as a percentage of total corporate loans

     1.0       0.9  

Allowance for credit losses for corporate loans as a percentage of impaired corporate loans

     82.6       84.3  

Net charge-offs of corporate loans as a percentage of total corporate loans

     0.2       0.1 (1)  

 

(1)

On an annualized basis.

During the first six months of 2018, impaired corporate loans, allowance for credit losses for corporate loans and net charge-offs of corporate loans (on an annualized basis), each as a percentage of total corporate loans, decreased due to an improvement in the overall asset quality of our corporate loans, notwithstanding a 3.7% decrease in the total amount of our corporate loans from W136,676 billion as of December 31, 2017 to W131,652 billion as of June 30, 2018. However, allowance for credit losses for corporate loans as a percentage of impaired corporate loans increased during the first six months of 2018, as an 11.4% decrease in allowance for credit losses for corporate loans from W1,383 billion as of December 31, 2017 to W1,225 billion as of June 30, 2018 was outpaced by a 13.2% decrease in impaired corporate loans from W1,674 billion as of December 31, 2017 to W1,453 billion as of June 30, 2018, which was mainly attributable to improved credit ratings of certain corporate borrowers and redemptions of such loans.

Consumer Loans and Credit Card Balances

The following table shows, for the periods indicated, certain information regarding our impaired loans to the consumer sector, excluding credit card balances:

 

     As of
December 31,
2017
    As of
June 30,
2018
 

Impaired consumer loans as a percentage of total consumer loans

     0.3     0.3

Allowance for credit losses for consumer loans as a percentage of total consumer loans

     0.2       0.2  

Allowance for credit losses for consumer loans as a percentage of impaired consumer loans

     64.7       79.2  

Net charge-offs of consumer loans as a percentage of total consumer loans

     0.1       0.2 (1)  

 

(1)

On an annualized basis.

During the first six months of 2018, impaired consumer loans and allowance for credit losses for consumer loans, each as a percentage of total consumer loans, remained stable. However, allowance for credit losses for consumer loans as a percentage of impaired consumer loans increased, primarily due to a one-off increase in allowance for credit losses for consumer loans in connection with the application of IFRS 9 in the opening balances as of January 1, 2018, contributing to a 30.2% increase in the level of our allowance for credit

 

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losses for consumer loans from W205 billion as of December 31, 2017 to W267 billion as of June 30, 2018, which outpaced a 6.3% increase in impaired consumer loans from W317 billion as of December 31, 2017 to W337 billion as of June 30, 2018. Net charge-offs of consumer loans (on an annualized basis) as a percentage of total consumer loans also increased, as a 1.7% increase in total consumer loans from W109,290 billion as of December 31, 2017 to W111,118 billion as of June 30, 2018 was outpaced by an 84.3% increase in net charge-offs of consumer loans from W102 billion in 2017 to W188 billion (on an annualized basis) for the first six months of 2018.

The following table shows, for the periods indicated, certain information regarding our impaired credit card balances:

 

     As of
December 31,
2017
    As of
June 30,
2018
 

Impaired credit card balances as a percentage of total credit card balances(1)

     2.6     2.6

Allowance for credit losses for credit card balances as a percentage of total credit card balances(1)

     2.7       3.4  

Allowance for credit losses for credit card balances as a percentage of impaired credit card balances(1)

     102.2       129.0  

Net charge-offs of credit card balances as a percentage of total credit card balances(1)

     2.6       2.0 (2)  

 

(1)

Includes corporate credit card balances.

(2)

On an annualized basis.

During the first six months of 2018, impaired credit card balances as a percentage of total credit card balances remained stable. However, allowance for credit losses for credit card balances as a percentage of both total credit card balances and impaired credit card balances increased, primarily due to a one-off increase in allowance for credit losses for credit card balances in connection with the application of IFRS 9 in the opening balances as of January 1, 2018, contributing to a 41.8% increase in the amount of our allowance for credit losses for credit card balances from W182 billion as of December 31, 2017 to W258 billion as of June 30, 2018. Such increase outpaced both a 10.9% increase in the total amount of our credit card balances from W6,827 billion as of December 31, 2017 to W7,570 billion as of June 30, 2018 and a 12.4% increase in impaired credit card balances from W178 billion as of December 31, 2017 to W200 billion as of June 30, 2018. Net charge-offs of credit card balances (on an annualized basis) as a percentage of total credit card balances decreased mainly due to the increase in total credit card balances in the first six months of 2018.

Net Fees and Commissions Income

The following table shows, for the periods indicated, the components of our net fees and commissions income:

 

     Six-month period ended June 30,     Percentage change  
     2017     2018     First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)     (%)  

Fees and commissions income

   W 1,014     W 1,113       9.8

Fees and commissions expense

     (476     (510     7.1  
  

 

 

   

 

 

   

Total fees and commissions income, net

   W 538     W 603       12.1  
  

 

 

   

 

 

   

Our net fees and commissions income increased 12.1% from W538 billion in the first six months of 2017 to W603 billion in the first six months of 2018, as a 9.8% increase in fees and commissions income from

 

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W1,014 billion in the first six months of 2017 to W1,113 billion in the first six months of 2018 outpaced a 7.1% increase in fees and commissions expense from W476 billion in the first six months of 2017 to W510 billion in the first six months of 2018.

The 9.8% increase in fees and commissions income was principally due to a 55.6% increase in other fees and commissions received from W72 billion in the first six months of 2017 to W112 billion in the first six months of 2018, which was enhanced by a 5.5% increase in fees and commissions received on credit cards from W528 billion in the first six months of 2017 to W557 billion in the first six months of 2018. The increase in other fees and commissions received was attributable primarily to an increase in fee income from trust management services, while the increase in fees and commissions received on credit cards mainly reflected an increase in the volume of credit card transactions as well as an increase in credit card issuances.

The 7.1% increase in fees and commissions expense was mainly the result of a 6.3% increase in credit card commissions from W400 billion in the first six months of 2017 to W425 billion in the first six months of 2018, which primarily reflected the increase in the volume of credit card transactions and the increase in credit card issuances. Such increase was enhanced by an 11.0% increase in fees and commissions paid from W73 billion in the first six months of 2017 to W81 billion in the first six months of 2018, which was mainly attributable to an increase in fees paid to outside service providers.

For further information regarding our net fees and commissions income, see Note 34 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Net Gain (Loss) on Financial Assets

The following table shows, for the periods indicated, the components of our net gain (loss) on financial assets:

 

     Six-month period ended June 30,      Percentage change  
     2017     2018      First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)      (%)  

Net gain on financial instruments at fair value through profit or loss (IFRS 9)

   W —       W 117        N/A (2)  

Net loss on financial instruments at fair value through profit or loss (IAS 39)

     (146     —          N/A  

Net gain on financial assets at fair value through other comprehensive income

     —         1        N/A  

Net gain on available-for-sale financial assets(1)

     104       —          N/A  

Net gain arising on financial assets at amortized cost

     —         31        N/A  
  

 

 

   

 

 

    

Total net gain (loss) on financial assets

   W (42   W 149        N/M (3)  
  

 

 

   

 

 

    

 

(1)

Includes impairment losses on securities of W13 billion in the first six months of 2017.

(2)

N/A = not applicable.

(3)

N/M = not meaningful.

Our net gain (loss) on financial assets changed from a net loss of W42 billion in the first six months of 2017 to a net gain of W149 billion in the first six months of 2018. This change was primarily attributable to a change in net gain (loss) on financial instruments at fair value through profit or loss from a net loss of W146 billion in the first six months of 2017 to a net gain of W117 billion in the first six months of 2018. Financial instruments at fair value through profit or loss under IFRS 9 include all financial instruments at fair value through profit or loss that were classified as such under IAS 39 in 2017 as well as certain other financial instruments that were classified as available-for-sale financial assets and loans and receivables under IAS 39 in

 

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2017. See “—Changes in Accounting Standards.” The effect of such change was partially offset by a 99.0% decrease in net gain on available-for-sale financial assets of W104 billion in the first six months of 2017 compared to net gain on financial assets at fair value through other comprehensive income of W1 billion in the first six months of 2018.

The change in net gain (loss) on financial instruments at fair value through profit or loss from a net loss to a net gain was principally the result of a change in net gain (loss) on transactions and valuation of derivatives held for trading from a net loss of W68 billion in the first six months of 2017 to a net gain of W40 billion in the first six months of 2018, as well as a change in net gain (loss) on financial instruments at fair value through profit or loss designated as upon initial recognition from a net loss of W86 billion in the first six months of 2017 to a net gain of W3 billion in the first six months of 2018. Derivatives held for trading were classified as financial assets held for trading under IAS 39 in 2017 but are currently classified as financial assets at fair value through profit or loss under IFRS 9. The change in net gain (loss) on financial instruments at fair value through profit or loss designated as upon initial recognition resulted mainly from a change in net gain (loss) on equity-linked securities from a net loss of W86 billion in the first six months of 2017 to a net gain of W1 billion in the first six months of 2018.

The 99.0% decrease in net gain on available-for-sale financial assets compared to net gain on financial assets at fair value through other comprehensive income resulted mainly from a 99.1% decrease in gains on transaction of securities from W116 billion in the first six months of 2017 to W1 billion in the first six months of 2018. Such decrease was attributable primarily to the reclassification of certain equity and debt securities that were classified as available-for-sale financial assets under IAS 39 in 2017 to classifications other than financial assets at fair value through other comprehensive income, including financial assets at fair value through profit or loss and securities at amortized cost, under IFRS 9. See “—Changes in Accounting Standards.”

For further information regarding our net gain (loss) on financial assets, see Notes 36 and 37 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

General and Administrative Expenses

The following table shows, for the periods indicated, the components of our general and administrative expenses:

 

    Six-month period ended June 30,     Percentage change  
    2017     2018     First six months
of 2018 / First six
months of 2017
 
    (in billions of Won)     (%)  

Employee benefits

  W 947     W 952       0.5

Depreciation and amortization

    95       100       5.3  

Other general and administrative expenses

    496       515       3.8  
 

 

 

   

 

 

   

General and administrative expenses

  W 1,538     W 1,567       1.9  
 

 

 

   

 

 

   

Our general and administrative expenses increased 1.9% from W1,538 billion in the first six months of 2017 to W1,567 billion in the first six months of 2018, primarily as a result of a 3.8% increase in other general and administrative expenses from W496 billion in the first six months of 2017 to W515 billion in the first six months of 2018. The increase in other general and administrative expenses was primarily due to a 46.7% increase in computer and IT-related expenses from W30 billion in the first six months of 2017 to W44 billion in the first six months of 2018 and a 9.4% increase in service charges from W96 billion in the first six months of 2017 to W105 billion in the first six months of 2018, which were partially offset by a 33.3% decrease in advertising expenses from W30 billion in the first six months of 2017 to W20 billion in the first six months of 2018.

 

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The increase in computer and IT-related expenses resulted mainly from the incurrence of additional expenses in preparation for an upgrade of our computer systems, which was completed in May 2018, while the increase in service charges was principally due to higher rates charged by service providers as a result of an increase in the national minimum wage under Korean law. The decrease in advertising expenses was primarily attributable to a decrease in our use of media advertising, including on television.

For further information regarding our general and administrative expenses, see Note 39-(1) of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Net Other Operating Income (Expenses)

The following table shows, for the periods indicated, the components of our net other operating income (expenses):

 

    Six-month period ended June 30,     Percentage change  
    2017     2018     First six months
of 2018 / First six
months of 2017
 
    (in billions of Won)     (%)  

Other operating income

  W 1,993     W 960       (51.8 )% 

Other operating expenses

    (1,792     (1,180     (34.2
 

 

 

   

 

 

   

Total net other operating income (expenses)

  W 201     W (220     N/M (1)  
 

 

 

   

 

 

   

 

(1)

N/M = not meaningful.

Our net other operating income (expenses) changed from net income of W201 billion in the first six months of 2017 to net expenses of W220 billion in the first six months of 2018, as a 51.8% decrease in other operating income from W1,993 billion in the first six months of 2017 to W960 billion in the first six months of 2018 outpaced a 34.2% decrease in other operating expenses from W1,792 billion in the first six months of 2017 to W1,180 billion in the first six months of 2018.

Other operating income includes principally gains on transactions of foreign exchange, gains on disposals of loans and receivables (for the first six months of 2017 under IAS 39), gains related to derivatives, gains on fair value hedged items and miscellaneous other operating income. The 51.8% decrease in other operating income was attributable mainly to a 50.1% decrease in gains on transactions of foreign exchange from W1,699 billion in the first six months of 2017 to W847 billion in the first six months of 2018. This decrease, which was principally due to lower exchange rate volatility in the first six months of 2018, was partially offset by a 47.2% decrease in losses on transactions of foreign exchange from W1,375 billion in the first six months of 2017 to W726 billion in the first six months of 2018, which is recorded as part of other operating expenses. On a net basis, net gains on transactions of foreign exchange decreased 62.7% from W324 billion in the first six months of 2017 to W121 billion in the first six months of 2018. The decrease in gains on transactions of foreign exchange was enhanced by a 100.0% decrease in gains on disposals of loans and receivables from W202 billion in the first six months of 2017 to nil in the first six months of 2018, which reflected the change in classification of gains and losses on disposal of loans and receivables to “net gain (loss) arising on financial assets at amortized cost” under IFRS 9.

Other operating expenses include principally losses on transaction of foreign exchange, deposit insurance premiums, contributions to miscellaneous funds, losses on disposals of loans and receivables (for the first six months of 2017 under IAS 39), losses related to derivatives, losses on fair value hedged items and miscellaneous other operating expenses. The 34.2% decrease in other operating expenses was primarily the result of a 47.2% decrease in losses on transactions of foreign exchange from W1,375 billion in the first six months of 2017 to W726 billion in the first six months of 2018, which mainly reflected lower exchange rate volatility in the

 

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first six months of 2018. This decrease was more than offset by a decrease in gains on transaction of foreign exchange, which is recorded as part of other operating income as discussed above.

For further information regarding our net other operating income (expenses), see Notes 39-(2) and (3) of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Net Other Non-operating Income (Expenses)

The following table shows, for the periods indicated, the components of our net other non-operating income (expenses):

 

    Six-month period ended June 30,     Percentage change  
    2017     2018     First six months
of 2018 / First six
months of 2017
 
    (in billions of Won)     (%)  

Other non-operating income

  W 77     W 39       (49.4 )% 

Other non-operating expenses

    (67     (44     (34.3
 

 

 

   

 

 

   

Total net other non-operating income (expenses)

  W 10     W (5     N/M (1)  
 

 

 

   

 

 

   

 

(1)

N/M = not meaningful.

Our net other non-operating income (expenses) changed from net income of W10 billion in the first six months of 2017 to net expenses of W5 billion in the first six months of 2018, as a 49.4% decrease in other non-operating income from W77 billion in the first six months of 2017 to W39 billion in the first six months of 2018 outpaced a 34.3% decrease in other non-operating expenses from W67 billion in the first six months of 2017 to W44 billion in the first six months of 2018.

Other non-operating income includes principally rental fee income, gain on disposal of investment in joint ventures and associates, gain on disposal of premises and equipment, intangible assets and other assets, reversal of impairment loss on premises and equipment, intangible assets and other assets and miscellaneous other non-operating income. The 49.4% decrease in other non-operating income was attributable primarily to a 100.0% decrease in gains on disposal of investment in joint ventures and associates from W33 billion in the first six months of 2017 to nil in the first six months of 2018. The decrease in such gains resulted mainly from a decrease in the number of such transactions in the first six months of 2018 compared to the first six months of 2017.

Other non-operating expenses include principally depreciation on investment properties, interest expenses of rent leasehold deposits, losses on disposal of investment in joint ventures and associates, losses on disposal of premises and equipment, intangible assets and other assets, impairment losses on premises and equipment, intangible assets and other assets, donations and miscellaneous other non-operating expenses. The 34.3% decrease in other non-operating expenses was attributable mainly to an 89.3% decrease in losses on disposal of investment in joint ventures and associates from W28 billion in the first six months of 2017 to W3 billion in the first six months of 2018, which was principally due to the decrease in the number of such transactions in the first six months of 2018, as discussed above.

For further information regarding our net other non-operating income (expenses), see Notes 40-(3) and (4) of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Share of Losses of Joint Ventures and Associates

Our share of losses of joint ventures and associates decreased 96.9% from W64 billion in the first six months of 2017 to W2 billion in the first six months of 2018. Such decrease was primarily attributable to

 

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decreases in losses recorded by STX Corporation and Chin Hung International Inc., in which we held equity interests of 19.7% and 25.3%, respectively, acquired through debt-to-equity swaps. For further information regarding our investments in joint ventures and associates, see Note 13 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Income Tax Expense

Our income tax expense is calculated by adding or subtracting changes in deferred income tax liabilities and assets to income tax amounts payable for the period. Deferred tax assets are recognized for deductible temporary differences, including operating losses and tax credit carry-forwards, while deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are those between the carrying values of assets and liabilities for financial reporting purposes and their tax bases. Deferred tax assets, including the carry-forwards of unused tax losses, are recognized to the extent it is probable that the deferred tax assets will be realized.

Income tax expense increased 51.1% from W321 billion in the first six months of 2017 to W485 billion in the first six months of 2018, mainly as a result of an increase in our net income before income tax expense, as well as an increase in the applicable corporate income tax rate in Korea in January 2018. See “Item 3.D. Risk Factors—Risks relating to government regulation and policy—Our income tax expenses may increase as a result of changes to Korean corporate income tax laws” in our Annual Report on Form 20-F for the year ended December 31, 2017 incorporated by reference in this prospectus. Our effective tax rate was 22.4% in the first six months of 2017 and 26.9% in the first six months of 2018. See Note 41 of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Net Income

Due to the factors described above, we recorded net income of W1,316 billion in the first six months of 2018 compared to W1,109 billion in the first six months of 2017.

Results by Principal Business Segment

We compile and analyze financial information for our business segments based upon segment information used by our management for the purposes of resource allocation and performance evaluation. We currently have six operational business segments: consumer banking, corporate banking, investment banking, capital markets, credit card and other operations.

The following table shows, for the periods indicated, our results of operations by segment:

 

    Net income
Six months ended June 30,
    Total operating income(1)
Six  months ended June 30,
 
    2017     2018     2017     2018  
    (in billions of Won)  

Consumer banking

  W 172     W 252     W 218     W 357  

Corporate banking

    475       699       617       958  

Investment banking

    109       114       121       140  

Capital markets

    41       32       54       44  

Credit card

    62       68       84       93  

Other operations

    304       191       381       226  
 

 

 

   

 

 

   

 

 

   

 

 

 

Total(2)

  W 1,163     W 1,356     W 1,475     W 1,818  
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(1)

Comprises net interest income and net non-interest income after administrative expenses and reversal of allowance for (impairment losses due to) credit loss.

(2)

Before adjustments for inter-segment transactions (other than inter-segment loans and borrowings) and certain differences in classification under our management reporting system.

 

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Consumer Banking

This segment consists of our consumer banking operations. The following table shows, for the periods indicated, our income statement data for this segment:

 

    Six-month period ended June 30,     Percentage change  
    2017     2018     First six months of
2018 / First six
months of 2017
 
    (in billions of Won)     (%)  

Income statement data

     

Interest income

  W 1,540     W 1,704       10.6

Interest expense

    (481     (500     4.0  

Inter-segment

    (248     (275     10.9  
 

 

 

   

 

 

   

Net interest income

    811       929       14.5  

Non-interest income

    424       405       (4.5

Non-interest expense

    (147     (127     (13.6

Inter-segment

    46       78       69.6  
 

 

 

   

 

 

   

Net non-interest income

    323       356       10.2  

Administrative expenses

    (870     (875     0.6  

Impairment losses due to credit loss and others(1)

    (46     (53     15.2  
 

 

 

   

 

 

   

Total other expenses

    (916     (928     1.3  
 

 

 

   

 

 

   

Operating income

    218       357       63.8  
 

 

 

   

 

 

   

Net non-operating income (loss)

    9       (10     N/M (2)  
 

 

 

   

 

 

   

Net income before tax

    227       347       52.9  
 

 

 

   

 

 

   

Income tax expense

    (55     (95     72.7  
 

 

 

   

 

 

   

Net income

  W 172     W 252       46.5  
 

 

 

   

 

 

   

 

(1)

Consist of reversal of allowance for (impairment losses due to) credit loss, gain (loss) on loan sales and provisions (reversal of provisions).

(2)

N/M = not meaningful.

Our net income before tax for this segment increased 52.9% from W227 billion in the first six months of 2017 to W347 billion in the first six months of 2018. Net income after tax also increased 46.5% from W172 billion in the first six months of 2017 to W252 billion in the first six months of 2018.

Interest income for this segment increased 10.6% from W1,540 billion in the first six months of 2017 to W1,704 billion in the first six months of 2018, primarily due to an increase in the average balance of general purpose household loans (including home equity loans), mainly reflecting increased demand for such loans among consumers, which was enhanced by an increase in the average yields on such loans and mortgage loans, principally as a result of the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months 2017.

Interest expense attributable to this segment increased 4.0% from W481 billion in the first six months of 2017 to W500 billion in the first six months of 2018. The increase in interest expense was primarily due to an increase in the average cost of time and savings deposits held by consumers, which was mainly attributable to the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017.

Net interest expense from inter-segment transactions for this segment increased 10.9% from W248 billion in the first six months of 2017 to W275 billion in the first six months of 2018, principally as a

 

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result of increased funding needs for this segment in light of the increase in the average volume of general purpose household loans (including home equity loans).

Impairment losses due to credit loss and others for this segment increased 15.2% from W46 billion in the first six months of 2017 to W53 billion in the first six months of 2018, primarily as a result of an increase in provisions for general purpose household loans (including home equity loans), mainly reflecting the increase in the outstanding balance of such loans.

Non-interest income attributable to this segment decreased 4.5% from W424 billion in the first six months of 2017 to W405 billion in the first six months of 2018, primarily due to decreases in gains on transaction of foreign exchange and fee income from bancassurance products.

Non-interest expense for this segment decreased 13.6% from W147 billion in the first six months of 2017 to W127 billion in the first six months of 2018, primarily as a result of a decrease in losses on transaction of foreign exchange.

Net non-interest income from inter-segment transactions for this segment increased 69.6% from W46 billion in the first six months of 2017 to W78 billion in the first six months of 2018, principally as a result of an increase in fee income from our asset management products, including money trust products.

Administrative expenses attributable to this segment increased 0.6% from W870 billion in the first six months of 2017 to W875 billion in the first six months of 2018.

 

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Corporate Banking

This segment consists of our corporate banking (including small- and medium-sized enterprise banking and large corporate banking) operations. The following table shows, for the periods indicated, our income statement data for this segment:

 

     Six-month period ended June 30,      Percentage change  
     2017      2018      First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)      (%)  

Income statement data

        

Interest income

   W 1,456      W 1,639        12.6

Interest expense

     (818      (995      21.6  

Inter-segment

     229        323        41.0  
  

 

 

    

 

 

    

Net interest income

     867        967        11.5  

Non-interest income

     334        432        29.3  

Non-interest expense

     (82      (184      124.4  

Inter-segment

     30        37        23.3  
  

 

 

    

 

 

    

Net non-interest income

     282        285        1.1  

Administrative expenses

     (403      (403      —    

Reversal of allowance for (impairment losses due to) credit loss and others(1)

     (129      109        N/M (2)  
  

 

 

    

 

 

    

Total other expenses

     (532      (294      (44.7
  

 

 

    

 

 

    

Operating income

     617        958        55.3  
  

 

 

    

 

 

    

Net non-operating income (loss)

     (3      1        N/M  
  

 

 

    

 

 

    

Net income before tax

     614        959        56.2  
  

 

 

    

 

 

    

Income tax expense

     (139      (260      87.1  
  

 

 

    

 

 

    

Net income

   W 475      W 699        47.2  
  

 

 

    

 

 

    

 

(1)

Consists of reversal of allowance for (impairment losses due to) credit loss, gain (loss) on loan sales and provisions (reversal of provisions).

(2)

N/M = not meaningful.

Our net income before tax for this segment increased 56.2% from W614 billion in the first six months of 2017 to W959 billion in the first six months of 2018. Net income after tax also increased 47.2% from W475 billion in the first six months of 2017 to W699 billion in the first six months of 2018.

Interest income for this segment increased 12.6% from W1,456 billion in the first six months of 2017 to W1,639 billion in the first six months of 2018, primarily due to an increase in the average balances of commercial and industrial and other commercial loans, mainly reflecting increased demand from corporate borrowers in anticipation of further increases in the general level of interest rates in Korea, as well as our efforts to increase our lending to small and medium-sized enterprises. Such increase was enhanced by an increase in the average yields on such loans, which mainly reflected the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months 2017.

Interest expense attributable to this segment, which consists mainly of interest expense on corporate deposits, borrowings and debentures, increased 21.6% from W818 billion in the first six months of 2017 to W995 billion in the first six months of 2018. The increase in interest expense was primarily due to an increase in the average cost of time and savings deposits held by corporate customers, which was mainly attributable to the

 

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increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017. Such increases were enhanced by an increase in the average balance of such deposits.

Net interest income from inter-segment transactions for this segment increased 41.0% from W229 billion in the first six months of 2017 to W323 billion in the first six months of 2018, principally as a result of an increase in the average balance of loans to other segments, which mainly reflected increased funding needs of the consumer banking segment.

Reversal of allowance for (impairment losses due to) credit loss and others for this segment changed from a net loss of W129 billion in the first six months of 2017 to a net reversal of W109 billion in the first six months of 2018, primarily as a result of improvements in the overall asset quality of our corporate loan portfolio and the credit ratings of certain corporate borrowers.

Non-interest income attributable to this segment increased 29.3% from W334 billion in the first six months of 2017 to W432 billion in the first six months of 2018, primarily due to an increase in gains on transaction of derivatives.

Non-interest expense for this segment increased 124.4% from W82 billion in the first six months of 2017 to W184 billion in the first six months of 2018, primarily as a result of an increase in losses on transaction of derivatives.

Administrative expenses attributable to this segment remained stable at W403 billion in the first six months of 2017 and 2018.

 

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Investment Banking

This segment consists of our investment banking operations, including principally project finance, structured finance, merger and acquisition financing and financial advisory services. The following table shows, for the periods indicated, our income statement data for this segment:

 

     Six-month period ended June 30,       Percentage change  
     2017      2018      First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)      (%)  

Income statement data

        

Interest income

   W 72      W 75        4.2

Interest expense

     —          —          —    

Inter-segment

     (67      (78      16.4  
  

 

 

    

 

 

    

Net interest income

     5        (3      N/M (2)  

Non-interest income

     212        137        (35.4

Non-interest expense

     (121      (40      (66.9

Inter-segment

     —          —          —    
  

 

 

    

 

 

    

Net non-interest income

     91        97        6.6  

Administrative expenses

     (6      (6      —    

Reversal of allowance for credit loss and others(1)

     31        52        67.7  
  

 

 

    

 

 

    

Total other income

     25        46        84.0  
  

 

 

    

 

 

    

Operating income

     121        140        15.7  
  

 

 

    

 

 

    

Net non-operating income (loss)

     23        17        (26.1
  

 

 

    

 

 

    

Net income before tax

     144        157        9.0  
  

 

 

    

 

 

    

Income tax expense

     (35      (43      22.9  
  

 

 

    

 

 

    

Net income

   W 109      W 114        4.6  
  

 

 

    

 

 

    

 

(1)

Consists of reversal of allowance for (impairment losses due to) credit loss, gain (loss) on loan sales and provisions (reversal of provisions).

(2)

N/M = not meaningful.

Our net income before tax for this segment increased 9.0% from W144 billion in the first six months of 2017 to W157 billion in the first six months of 2018. Net income after tax also increased 4.6% from W109 billion in the first six months of 2017 to W114 billion in the first six months of 2018.

Interest income for this segment, which consists mainly of interest income from financing provided to corporations, increased 4.2% from W72 billion in the first six months of 2017 to W75 billion in the first six months of 2018, primarily reflecting the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017.

Net interest expense on inter-segment transactions for this segment increased 16.4% from W67 billion in the first six months of 2017 to W78 billion in the first six months of 2018, principally as a result of an increase in the average cost of borrowings from other segments, which mainly reflected the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017.

Reversal of allowance for credit loss and others for this segment increased 67.7% from W31 billion in the first six months of 2017 to W52 billion in the first six months of 2018, primarily as a result of improvements in the overall asset quality of our financing portfolio and the credit ratings of certain corporate borrowers.

 

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Non-interest income attributable to this segment decreased 35.4% from W212 billion in the first six months of 2017 to W137 billion in the first six months of 2018, primarily due to a decrease in gains related to securities.

Non-interest expense for this segment decreased 66.9% from W121 billion in the first six months of 2017 to W40 billion in the first six months of 2018, primarily as a result of a decrease in losses related to securities.

Administrative expenses attributable to this segment remained stable at W6 billion in the first six months of 2017 and 2018.

Capital Markets

This segment consists of our core capital markets operations, including principally securities investment and trading of securities, foreign exchange and derivatives. The following table shows, for the periods indicated, our income statement data for this segment:

 

    Six-month period ended June 30,     Percentage change  
    2017     2018     First six months
of 2018 / First six
months of 2017
 
    (in billions of Won)     (%)  

Income statement data

     

Interest income

  W 9     W 6       (33.3 )% 

Interest expense

    —         —         —    

Inter-segment

    8       10       25.0  
 

 

 

   

 

 

   

Net interest income

    17       16       (5.9

Non-interest income

    4,992       4,765       (4.5

Non-interest expense

    (4,969     (4,726     (4.9

Inter-segment

    —         —         —    
 

 

 

   

 

 

   

Net non-interest income

    23       39       69.6  

Administrative expenses

    (8     (8     —    

Reversal of allowance for (impairment losses due to) credit loss and others(1)

    22       (3     N/M (2)  
 

 

 

   

 

 

   

Total other income (expenses)

    14       (11     N/M  
 

 

 

   

 

 

   

Operating income

    54       44       (18.5
 

 

 

   

 

 

   

Net non-operating income

    —         —         —    
 

 

 

   

 

 

   

Net income before tax

    54       44       (18.5
 

 

 

   

 

 

   

Income tax expense

    (13     (12     (7.7
 

 

 

   

 

 

   

Net income

  W 41     W 32       (22.0
 

 

 

   

 

 

   

 

(1)

Consists of reversal of allowance for (impairment losses due to) credit loss, gain (loss) on loan sales and provisions (reversal of provisions).

(2)

N/M = not meaningful.

Our net income before tax for this segment decreased 18.5% from W54 billion in the first six months of 2017 to W44 billion in the first six months of 2018. Net income after tax also decreased 22.0% from W41 billion in the first six months of 2017 to W32 billion in the first six months of 2018.

Interest income for this segment, which consists mainly of interest income from securities, decreased 33.3% from W9 billion in the first six months of 2017 to W6 billion in the first six months of 2018.

 

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Net interest income on inter-segment transactions for this segment increased 25.0% from W8 billion in the first six months of 2017 to W10 billion in the first six months of 2018, principally as a result of an increase in the average yield on loans to other segments, which mainly reflected the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017.

Reversal of allowance for (impairment losses due to) credit loss and others for this segment changed from a net reversal of W22 billion in the first six months of 2017 to a net loss of W3 billion in the first six months of 2018, primarily as a result of a significant reversal in the first six months of 2017 relating to a downward adjustment in the valuation of the derivative products of a corporate customer, which was not repeated in the first six months of 2018.

Non-interest income attributable to this segment decreased 4.5% from W4,992 billion in the first six months of 2017 to W4,765 billion in the first six months of 2018, primarily due to a decrease in gains on transaction of foreign exchange.

Non-interest expense for this segment decreased 4.9% from W4,969 billion in the first six months of 2017 to W4,726 billion in the first six months of 2018, primarily as a result of a decrease in losses on transaction of foreign exchange.

Administrative expenses attributable to this segment remained stable at W8 billion in the first six months of 2017 and 2018.

Credit Card

This segment consists of our credit card operations. The following table shows, for the periods indicated, our income statement data for this segment:

 

     Six-month period ended June 30,      Percentage change  
     2017     2018      First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)      (%)  

Income statement data

       

Interest income

   W 289     W 323        11.8

Interest expense

     (66     (75      13.6  

Inter-segment

     —         —          —    
  

 

 

   

 

 

    

Net interest income

     223       248        11.2  

Non-interest income

     566       605        6.9  

Non-interest expense

     (520     (562      8.1  

Inter-segment

     —         —          —    
  

 

 

   

 

 

    

Net non-interest income

     46       43        (6.5

Administrative expenses

     (78     (84      7.7  

Impairment losses due to credit loss and others(1)

     (107     (114      6.5  
  

 

 

   

 

 

    

Total other expenses

     (185     (198      7.0  
  

 

 

   

 

 

    

Operating income

     84       93        10.7  
  

 

 

   

 

 

    

Net non-operating loss

     (2     (3      50.0  
  

 

 

   

 

 

    

Net income before tax

     82       90        9.8  
  

 

 

   

 

 

    

Income tax expense

     (20     (22      10.0  
  

 

 

   

 

 

    

Net income

   W 62     W 68        9.7  
  

 

 

   

 

 

    

 

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(1)

Consist of reversal of allowance for (impairment losses due to) credit loss, gain (loss) on loan sales and provisions (reversal of provisions).

Our net income before tax for this segment increased 9.8% from W82 billion in the first six months of 2017 to W90 billion in the first six months of 2018. Net income after tax also increased 9.7% from W62 billion in the first six months of 2017 to W68 billion in the first six months of 2018.

Interest income for this segment increased 11.8% from W289 billion in the first six months of 2017 to W323 billion in the first six months of 2018, primarily due to an increase in the average balance of credit card receivables, mainly reflecting an increase in the volume of credit card transactions, including cash advances and credit card loans, which was offset in part by a decrease in the average yield on such receivables.

Interest expense attributable to this segment increased 13.6% from W66 billion in the first six months of 2017 to W75 billion in the first six months of 2018, primarily due to increased funding needs for this segment in light of the increase in the average balance of credit card receivables, including cash advances and credit card loans.

Impairment losses due to credit loss and others for this segment increased 6.5% from W107 billion in the first six months of 2017 to W114 billion in the first six months of 2018, primarily as a result of an increase in provisions for credit losses, mainly due to an increase in the outstanding balance of our credit card receivables, including cash advances and credit card loans.

Non-interest income attributable to this segment increased 6.9% from W566 billion in the first six months of 2017 to W605 billion in the first six months of 2018, primarily due to an increase in credit card fees, including merchant processing fees and holder annual fees, mainly reflecting the increase in the average balance of credit card receivables.

Non-interest expense for this segment increased 8.1% from W520 billion in the first six months of 2017 to W562 billion in the first six months of 2018, primarily as a result of an increase in credit card commissions, including in respect of reward points and other related discount services, mainly reflecting the increase in the average balance of credit card receivables.

Administrative expenses attributable to this segment increased 7.7% from W78 billion in the first six months of 2017 to W84 billion in the first six months of 2018, primarily due to an increase in salaries paid to our employees in this segment, principally reflecting an increase in the number of such employees, as well as increases in advertising expenses relating to new products and depreciation expenses relating to IT facilities.

 

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Other Operations

Other operations include all of our operations not included in the other segments, including principally the operations of our Credit Management and Collection Department and our Corporate Restoration Department, our treasury operations involving transactions of available-for-sale securities and financing among financial institutions as well as the operations of all of our subsidiaries other than Woori Card. The following table shows, for the periods indicated, our income statement data for this segment:

 

     Six-month period ended June 30,     Percentage change  
     2017     2018     First six months
of 2018 / First six
months of 2017
 
     (in billions of Won)     (%)  

Income statement data

      

Interest income

   W 669     W 748       11.8

Interest expense

     (411     (459     11.7  

Inter-segment

     77       19       (75.3
  

 

 

   

 

 

   

Net interest income

     335       308       (8.1

Non-interest income

     1,130       517       (54.2

Non-interest expense

     (863     (219     (74.6

Inter-segment

     (75     (115     53.3  
  

 

 

   

 

 

   

Net non-interest income

     192       183       (4.7

Administrative expenses

     (299     (328     9.7  

Reversal of allowance for credit loss and others(1)

     153       63       (58.8
  

 

 

   

 

 

   

Total other expenses

     (146     (265     81.5  
  

 

 

   

 

 

   

Operating income

     381       226       (40.7
  

 

 

   

 

 

   

Net non-operating income (loss)

     (26     18       N/M (2)  
  

 

 

   

 

 

   

Net income before tax

     355       244       (31.3
  

 

 

   

 

 

   

Income tax expense

     (51     (53     3.9  
  

 

 

   

 

 

   

Net income

   W 304     W 191       (37.2
  

 

 

   

 

 

   

 

(1)

Consists of reversal of allowance for (impairment losses due to) credit loss, gain (loss) on loan sales and provisions (reversal of provisions).

(2)

N/M = not meaningful.

Our net income before tax for this segment decreased 31.3% from W355 billion in the first six months of 2017 to W244 billion in the first six months of 2018. Net income after tax also decreased 37.2% from W304 billion in the first six months of 2017 to W191 billion in the first six months of 2018.

Interest income for this segment, which mainly includes interest income due from banks and on certain other loans and financial assets, increased 11.8% from W669 billion in the first six months of 2017 to W748 billion in the first six months of 2018, primarily due to the increase in the general level of interest rates in Korea in the first six months of 2018 compared to the first six months of 2017.

Interest expense attributable to this segment, which mainly includes interest expense on debentures, borrowings, call money and deposits due to customers, increased 11.7% from W411 billion in the first six months of 2017 to W459 billion in the first six months of 2018, primarily due to increased funding costs for this segment in light of the higher interest rate environment in Korea in the first six months of 2018.

Net interest income from inter-segment transactions for this segment decreased 75.3% from W77 billion in the first six months of 2017 to W19 billion in the first six months of 2018, principally as a result of increased funding needs of other segments.

 

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Reversal of allowance for credit loss and others for this segment decreased 58.8% from W153 billion in the first six months of 2017 to W63 billion in the first six months of 2018, primarily as a result of significant gains on loan sales in this segment in the first six months of 2017, which were not repeated in the first six months of 2018.

Non-interest income attributable to this segment, which mainly includes gains on transaction of foreign exchange, gains on fair value hedged items and gains on transactions of derivatives, decreased 54.2% from W1,130 billion in the first six months of 2017 to W517 billion in the first six months of 2018, primarily due to decreases in such gains relating to our treasury operations.

Non-interest expense for this segment, which mainly includes losses on transaction of foreign exchange, losses on fair value hedged items and losses on transactions of derivatives, decreased 74.6% from W863 billion in the first six months of 2017 to W219 billion in the first six months of 2018, primarily as a result of decreases in losses on transactions of foreign exchange and derivatives.

Administrative expenses attributable to this segment increased 9.7% from W299 billion in the first six months of 2017 to W328 billion in the first six months of 2018, primarily due to an increase in computer and IT-related expenses relating to an upgrade of our computer systems, which was completed in May 2018.

 

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Item 5.B. Liquidity and Capital Resources

Financial Condition

Assets

The following table sets forth, as of the dates indicated, the principal components of our assets:

 

     As of December 31,
2017
    As of June 30,
2018
    Percentage change  
  June 30, 2018 /
December 31, 2017
 
     (in billions of Won)     (%)  

Cash and cash equivalents

   W 6,908     W 5,920       (14.3 )% 

Financial assets at fair value through profit or loss (IFRS 9)

     —         6,341       N/A (1)  

Financial assets at fair value through profit or loss (IAS 39)

     5,843       —         N/A  

Financial assets at fair value through other comprehensive income

     —         14,645       N/A  

Available-for-sale financial assets

     15,353       —         N/A  

Securities at amortized cost

     —         17,702       N/A  

Held-to-maturity financial assets

     16,749       —         N/A  

Loans and other financial assets at amortized cost:

     —         277,720       N/A  

Loans and receivables:

     267,106       —         N/A  

Due from banks(2)

     8,868       17,770       100.4  

Loans(2)

     251,523       248,794       (1.1

Loans in local currency

     200,213       204,830       2.3  

Loans in foreign currencies

     13,148       14,731       12.0  

Domestic banker’s letter of credit

     2,517       3,074       22.1  

Credit card accounts

     6,827       7,570       10.9  

Bills bought in foreign currencies

     8,197       6,830       (16.7

Bills bought in local currency

     335       257       (23.3

Factoring receivables

     138       61       (55.8

Advances for customers on guarantees

     24       15       (37.5

Private placement bonds

     362       434       19.9  

Securitized loans

     563       1,228       118.1  

Call loans

     3,003       3,136       4.4  

Bonds purchased under resale agreements

     16,859       7,000       (58.5

Loan origination costs and fees

     511       546       6.8  

Others

     607       837       37.9  

Discounted present value

     (11     (5     (54.5

Loss allowance

     (1,770     (1,750     (1.1

Other financial assets (other receivables)(2)

     6,715       11,156       66.1  

Investments in joint ventures and associates

     417       413       (1.0

Investment properties

     371       381       2.7  

Premises and equipment

     2,478       2,451       (1.1

Other assets(3)

     1,070       988       (7.7
  

 

 

   

 

 

   

Total assets

   W 316,295     W 326,561       3.2  
  

 

 

   

 

 

   

 

(1)

N/A = not applicable.

(2)

Net of allowance for credit losses.

(3)

Includes intangible assets and goodwill, assets held for sale, current tax assets, deferred tax assets, derivative assets and other assets.

 

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Our total assets increased 3.2% from W316,295 billion as of December 31, 2017 to W326,561 billion as of June 30, 2018, principally due to a 100.4% increase in due from banks from W8,868 billion as of December 31, 2017 to W17,770 billion as of June 30, 2018, which was enhanced by a 66.1% increase in other financial assets (other receivables) from W6,715 billion as of December 31, 2017 to W11,156 billion as of June 30, 2018. Such increases were partially offset by a 1.1% decrease in loans from W251,523 billion as of December 31, 2017 to W248,794 billion as of June 30, 2018.

The increase in due from banks was mainly attributable to a 132.2% increase in amounts due from the Bank of Korea from W6,246 billion as of December 31, 2017 to W14,501 billion as of June 30, 2018. The increase in other financial assets (other receivables) primarily reflected a 95.6% increase in receivables from W4,459 billion as of December 31, 2017 to W8,722 billion as of June 30, 2018. The decrease in loans primarily reflected a 58.5% decrease in bonds purchased under resale agreement from W16,859 billion as of December 31, 2017 to W7,000 billion as of June 30, 2018, which was partially offset by a 2.3% increase in loans in local currency from W200,213 billion as of December 31, 2017 to W204,830 billion as of June 30, 2018.

Liabilities and Equity

The following table sets forth, as of the dates indicated, the principal components of our liabilities and equity:

 

     As of December 31,
2017
     As of June 30,
2018
     Percentage change  
   June 30, 2018 /
December 31, 2017
 
     (in billions of Won)      (%)  

Liabilities:

        

Financial liabilities at fair value through profit or loss (IFRS 9)

   W —        W 2,578        N/A (1)  

Financial liabilities at fair value through profit or loss (IAS 39)

     3,428        —          N/A  

Deposits due to customers

     234,695        237,900        1.4

Borrowings

     14,785        15,900        7.5  

Debentures

     27,869        26,753        (4.0

Provisions

     410        386        (5.9

Other financial liabilities

     13,892        21,408        54.1  

Other liabilities(2)

     651        640        (1.7
  

 

 

    

 

 

    

Total liabilities

     295,730        305,565        3.3  
  

 

 

    

 

 

    

Equity:

        

Owner’s equity:

        

Capital stock

     3,381        3,381        —    

Hybrid securities

     3,018        2,763        (8.4

Capital surplus

     286        286        —    

Other equity

     (1,939      (2,113      9.0  

Retained earnings(3)

     15,620        16,473        5.5  
  

 

 

    

 

 

    
     20,366        20,790        2.1  
  

 

 

    

 

 

    

Non-controlling interests

     199        206        3.5  
  

 

 

    

 

 

    

Total equity

     20,565        20,996        2.1  
  

 

 

    

 

 

    

Total liabilities and equity

   W 316,295      W 326,561        3.2  
  

 

 

    

 

 

    

 

(1)

N/A = not applicable.

(2)

Includes net defined benefit liability, current tax liabilities, deferred tax liabilities, derivative liabilities and other liabilities.

(3)

Includes regulatory reserve for credit loss of W2,438 billion as of December 31, 2017 and W2,578 billion as of June 30, 2018.

 

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Our total liabilities increased 3.3% from W295,730 billion as of December 31, 2017 to W305,565 billion as of June 30, 2018, principally as a result of a 54.1% increase in other financial liabilities from W13,892 billion as of December 31, 2017 to W21,408 billion as of June 30, 2018, which was enhanced by a 1.4% increase in deposits due to customers from W234,695 billion as of December 31, 2017 to W237,900 billion as of June 30, 2018. The increase in other financial liabilities mainly reflected a 92.3% increase in accounts payable from W4,692 billion as of December 31, 2017 to W9,022 billion as of June 30, 2018, which was enhanced by a 222.8% increase in domestic exchange payables from W1,310 billion as of December 31, 2017 to W4,229 billion as of June 30, 2018. The increase in deposits due to customers was primarily due to a 2.3% increase in deposits in local currency from W211,052 billion as of December 31, 2017 to W215,993 billion as of June 30, 2018.

Our total equity increased 2.1% from W20,565 billion as of December 31, 2017 to W20,996 billion as of June 30, 2018. Such increase mainly reflected a 5.5% increase in retained earnings from W15,620 billion as of December 31, 2017 to W16,473 billion as of June 30, 2018, which was partially offset by an 8.4% decrease in hybrid securities from W3,018 billion as of December 31, 2017 to W2,763 billion as of June 30, 2018 and a 9.0% increase in negative other equity from W1,939 billion as of December 31, 2017 to W2,113 billion as of June 30, 2018. For information regarding the impact of the adoption of IFRS 9 on our equity, see Note 2-(1)-e) of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

Liquidity

Our primary source of funding has historically been and continues to be customer deposits, particularly lower-cost retail deposits. Deposits amounted to W234,695 billion as of December 31, 2017 and W237,900 billion as of June 30, 2018, which represented approximately 82.7% and 82.8% of our total funding, respectively. We have historically been able to use customer deposits to finance our operations generally, including meeting a portion of our liquidity requirements. Although the majority of deposits are short term, it has been our experience that the majority of our depositors generally roll over their deposits at maturity, thus providing us with a stable source of funding. However, in the event that a substantial number of our depositors do not roll over their deposits or otherwise decide to withdraw their deposited funds, we would need to place increased reliance on alternative sources of funding, some of which may be more expensive than customer deposits, in order to finance our operations. See “Item 3.D. Risk Factors—Other risks relating to our business—Our funding is highly dependent on short-term deposits, which dependence may adversely affect our operations” in our Annual Report on Form 20-F for the year ended December 31, 2017 incorporated by reference in this prospectus. In particular, we may increase our utilization of alternative funding sources such as short-term borrowings and cash and cash equivalents (including funds from maturing loans), as well as liquidating our positions in trading and investment securities and using the proceeds to fund parts of our operations, as necessary.

We also obtain funding through borrowings and issuances of debentures to meet our liquidity needs. Borrowings represented 6.4% and 6.9% of our total funding as of December 31, 2017 and June 30, 2018, respectively. Debentures represented 9.8% and 9.3% of our total funding as of December 31, 2017 and June 30, 2018, respectively.

Our liquidity risks arise from withdrawals of deposits and maturities of our borrowings and debentures, as well as our need to fund our lending, trading and investment activities and to manage our trading positions. Our goal in managing our liquidity is to be able, even under adverse conditions, to meet all of our liability repayments on time and to fund all investment opportunities. For a discussion of how we manage our liquidity risk, see “Item 11. Quantitative and Qualitative Disclosures about Market Risk—Liquidity Risk Management” in our Annual Report on Form 20-F for the year ended December 31, 2017 incorporated by reference in this prospectus.

 

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The Financial Services Commission requires each Korean bank to maintain specific Won and foreign currency liquidity ratios. These ratios require us to keep our ratio of liquid assets to liquid liabilities above certain minimum levels. For a description of these requirements, see “Item 4.B. Business Overview—Supervision and Regulation—Principal Regulations Applicable to Banks—Liquidity” in our Annual Report on Form 20-F for the year ended December 31, 2017 incorporated by reference in this prospectus.

Contractual Obligations and Off-Balance Sheet Arrangements

The following table sets forth our contractual obligations as of June 30, 2018:

 

     Payments due by period  
     Total      Less than
1 year
     1-3 years      3-5 years      More than
5 years
 
     (in billions of Won)  

Contractual obligations

              

Borrowing obligations(1)

   W 16,185      W 12,401      W 2,558      W 681      W 545  

Debenture obligations(1)

     28,724        7,372        13,254        5,372        2,726  

Deposits(2)(3)

     240,721        231,089        6,610        877        2,145  

Operating lease obligations

     1,631        272        536        530        293  

Purchase obligations

     94        19        29        30        16  

Employee severance plan obligations

     2,550        50        173        135        2,192  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   W 289,905      W 251,203      W 23,160      W 7,625      W 7,917  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(1)

Includes estimated future interest payments, which have been estimated using contractual interest rates and scheduled contractual maturities of the outstanding borrowings and debentures as of June 30, 2018. In order to calculate future interest payments on debts with floating rates, we used contractual interest rates as of June 30, 2018.

(2)

Comprising certificates of deposit, other time deposits and installment deposits.

(3)

Includes estimated future interest payments, which have been estimated using weighted average interest rates paid for the first six months of 2018 for each deposit product category and their scheduled contractual maturities.

We utilize credit-related financial instruments with off-balance sheet risk in our normal course of business. The primary purpose of those instruments is to generate fee income for us, in return for making credit support and funds available to our customers as required. Such instruments consist primarily of guarantees, commercial letters of credit and unused lines of credit. Guarantees include guarantees for loans, debentures, trade financing arrangements and guarantees for other financings. Contingent liabilities for which guaranteed amounts are not finalized appear as off-balance sheet items in the notes to the financial statements. Such contingent liabilities include, among others, contingent liabilities relating to trade financings and derivatives contracts with respect to foreign exchange rates and interest rates.

We also enter into transactions with certain structured entities, including through the purchase of their subordinated debt and the provision of credit facilities to them. For further information, see Notes 1-(5) and 1-(6) of the notes to our unaudited consolidated interim financial statements included elsewhere in this prospectus.

 

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The following table sets forth our off-balance sheet guarantees and commitments as of the dates indicated:

 

     As of December 31,
2017
     As of June 30,
2018
 
     (in billions of Won)  

Confirmed guarantees

   W 6,875      W 6,563  

Guarantee for loans

     157        141  

Acceptances

     321        333  

Guarantees in acceptances of imported goods

     108        107  

Other confirmed guarantees

     6,289        5,982  

Unconfirmed guarantees

     4,527        4,510  

Local letter of credit

     383        365  

Letter of credit

     3,638        3,208  

Other unconfirmed guarantees

     506        937  

Commercial paper purchase commitments and others

     1,458        1,300  

Loan commitments and others:

     

Loans

     80,760        98,251  

Others

     4,546        5,943  

We analyze our off-balance sheet legally binding credit-related commitments for possible losses associated with such commitments. We review the ability of the counterparties of the underlying credit-related commitments to perform their obligations under the commitments and, if we determine that a loss is probable and estimable, we establish allowances for possible losses in a manner similar to allowances that we would establish with respect to a loan granted under the terms of the applicable commitment. These allowances are reflected as provisions in our statement of financial position. As of June 30, 2018, we had established provisions for possible losses of W209 billion with respect to our credit-related commitments.

Capital Adequacy

We are subject to the capital adequacy requirements of the Financial Services Commission. The requirements applicable commencing in December 2013 pursuant to amended Financial Services Commission regulations promulgated in July 2013 were formulated based on Basel III, which was first introduced by the Basel Committee on Banking Supervision, Bank for International Settlements in December 2009. Under the amended Financial Services Commission regulations, all banks in Korea are required to maintain certain minimum ratios of Tier I common equity capital, total Tier I capital and total Tier I and Tier II capital to risk-weighted assets. See “Item 4.B. Business Overview—Supervision and Regulation—Principal Regulations Applicable to Banks—Capital Adequacy” in our Annual Report on Form 20-F for the year ended December 31, 2017 incorporated by reference in this prospectus.

If a bank fails to maintain its capital adequacy ratios, the Korean regulatory authorities may impose penalties on such bank ranging from a warning to suspension or revocation of its license. See “Item 3.D. Risk Factors—Other risks relating to our business—We may be required to raise additional capital if our capital adequacy ratio deteriorates or the applicable capital requirements change in the future, but we may not be able to do so on favorable terms or at all” in our Annual Report on Form 20-F for the year ended December 31, 2017 incorporated by reference in this prospectus.

 

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The following table sets forth a summary of our capital and capital adequacy ratios as of December 31, 2017 and June 30, 2018 based on IFRS and applicable regulatory reporting standards:

 

     As of December 31,
2017
    As of June 30,
2018
 
     (in billions of Won, except percentages)  

Tier I capital

    

Tier I common equity capital

    

Capital stock

   W 3,381     W 3,381  

Capital surplus

     286       286  

Retained earnings

     15,620       16,473  

Non-controlling interests in consolidated subsidiaries

     19       20  

Others

     (3,231     (3,207
  

 

 

   

 

 

 

Additional Tier I capital

    

Hybrid securities

     3,006       2,732  

Other equity

     35       16  
  

 

 

   

 

 

 

Total Tier I capital

   W 19,116     W 19,701  
  

 

 

   

 

 

 

Tier II capital

    

Allowance for credit losses(1)

   W 78     W 198  

Subordinated debt

     1,870       1,508  

Valuation gain on investment securities

     —         —    

Others

     1,539       1,793  
  

 

 

   

 

 

 

Total Tier II capital

   W 3,487     W 3,499  
  

 

 

   

 

 

 

Total Tier I and Tier II capital

   W 22,603     W 23,200  
  

 

 

   

 

 

 

Risk-weighted assets

    

Credit risk-weighted assets

   W 134,768     W 139,869  

Market risk-weighted assets

     2,317       2,293  

Operational risk-weighted assets

     9,677       9,827  
  

 

 

   

 

 

 

Total

   W 146,762     W 151,989  
  

 

 

   

 

 

 

Tier I common equity capital ratio

     10.95     11.15

Total Tier I capital ratio

     13.03       12.96  

Tier II capital ratio

     2.37       2.30  

Total Tier I and Tier II capital ratio

     15.40       15.26  

 

(1)

Allowance for credit losses in respect of credits classified as normal or precautionary is used to calculate Tier II capital only to the extent such allowances represent up to 1.25% of risk-weighted assets.

 

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SUPERVISION AND REGULATION OF WOORI FINANCIAL GROUP

Principal Regulations Applicable to Financial Holding Companies

General

The Financial Holding Company Act, last amended on October 31, 2017, regulates Korean financial holding companies and their subsidiaries. The entities that regulate and supervise Korean financial holding companies and their subsidiaries are the Financial Services Commission and the Financial Supervisory Service.

The Financial Services Commission exerts direct control over financial holding companies pursuant to the Financial Holding Company Act. Among other things, the Financial Services Commission approves the establishment of financial holding companies, issues regulations on the capital adequacy of financial holding companies and their subsidiaries, and drafts regulations relating to the supervision of financial holding companies.

Following the instructions and directives of the Financial Services Commission, the Financial Supervisory Service supervises and examines financial holding companies and their subsidiaries. In particular, the Financial Supervisory Service sets requirements relating to Korean financial holding companies’ liquidity and capital adequacy ratios and establishes reporting requirements within the authority delegated under the Financial Services Commission regulations. Financial holding companies must submit quarterly reports to the Financial Supervisory Service discussing business performance, financial status and other matters identified in the Enforcement Decree of the Financial Holding Company Act.

Under the Financial Holding Company Act, a financial holding company is a company which primarily engages in controlling its subsidiaries by holding equity stakes in them equal in aggregate to at least 50% of the financial holding company’s aggregate assets based on its balance sheet as of its date of establishment in its year of establishment or the end of the immediately preceding fiscal year in all other years. A company is required to obtain approval from the Financial Services Commission to become a financial holding company.

A financial holding company may engage only in controlling the management of its subsidiaries, as well as certain ancillary activities including:

 

   

financially supporting its direct and indirect subsidiaries;

 

   

raising capital necessary for investment in its subsidiaries or providing financial support to its direct and indirect subsidiaries;

 

   

supporting the business of its direct and indirect subsidiaries, including the development and marketing of financial products;

 

   

providing data processing, legal, accounting and other resources and services that have been commissioned by its direct and indirect subsidiaries so as to support their operations; and

 

   

any other businesses exempted from authorization, permission or approval under the applicable laws and regulations.

The Financial Holding Company Act requires every financial holding company (other than a financial holding company that is controlled by another financial holding company) and its subsidiaries to obtain prior approval from the Financial Services Commission before acquiring control of another company or to file a report with the Financial Services Commission within 30 days thereafter in certain cases (including acquiring control of another company whose assets are less than W100 billion as of the end of the immediately preceding fiscal year). In addition, the Financial Services Commission must grant permission for a financial holding company to liquidate or to merge with any other company before the liquidation or merger. A financial holding company must report to the Financial Services Commission when certain events, including the following, occur:

 

   

when the largest shareholder changes;

 

   

in the case of a bank holding company, when a major investor changes;

 

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when the shareholding of the controlling shareholder (i.e., the “largest shareholder” or a “principal shareholder,” each as defined in the Financial Holding Company Act) or a person who has a “special relationship” with such controlling shareholder (as defined in the Enforcement Decree of the Financial Holding Company Act) changes by 1% or more of the total issued and outstanding voting shares of the financial holding company;

 

   

when it changes its corporate name;

 

   

when there is a cause for its dissolution;

 

   

when it or its subsidiaries cease to control any of their respective direct or indirect subsidiaries by disposing of their shares of such direct or indirect subsidiary; and

 

   

cases where the management soundness of a financial holding company or its subsidiary is expected to be undermined, as prescribed by the Enforcement Decree of the Financial Holding Company Act, which include the following:

 

   

when it becomes criminally liable for an act pursuant to the Financial Holding Company Act;

 

   

when it becomes party to a lawsuit that may materially affect its business as a financial holding company;

 

   

when there is an application for its bankruptcy or commencement of rehabilitation procedures pursuant to the Debtor Rehabilitation and Bankruptcy Act;

 

   

when it receives a disposition for failure to make tax payments or is penalized for violating a tax-related law;

 

   

when it fails to meet the requirements of a financial holding company; and

 

   

when a financial institution that is a subsidiary, etc. of the financial holding company acquires the stock of another company that is subject to rehabilitation proceedings under the Corporate Restructuring Promotion Act or a joint management process pursuant to a voluntary agreement among creditors for corporate reorganization or the Debtor Rehabilitation and Bankruptcy Act, through a debt-to-equity swap for purposes of reorganization.

Capital Adequacy

The Financial Holding Company Act does not provide for a minimum paid-in capital requirement related to financial holding companies. However, all financial holding companies are required to maintain a specified level of solvency. In addition, with respect to the allocation of net profit earned in a fiscal term, a financial holding company must set aside in its legal reserve an amount equal to at least 10% of its net income after tax each time it pays dividends on its net profits earned until its legal reserve reaches at least the aggregate amount of its paid-in capital.

A bank holding company, which is a financial holding company controlling banks or other financial institutions conducting banking business as prescribed in the Financial Holding Company Act, was required to maintain a total minimum consolidated capital adequacy ratio of 9.75% (including applicable additional capital buffers and requirements as described below) as of December 31, 2017. “Consolidated capital adequacy ratio” is defined as the ratio of equity capital as a percentage of risk-weighted assets on a consolidated basis, determined in accordance with the Financial Services Commission requirements that have been formulated based on Bank of International Settlements, or BIS, standards. “Equity capital,” as applicable to bank holding companies, is defined as the sum of common equity Tier I capital, additional Tier I capital and Tier II capital less any deductible items, each as defined under the Regulation on the Supervision of Financial Holding Companies. “Risk-weighted assets” is defined as the sum of credit risk-weighted assets and market risk-weighted assets.

 

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Pursuant to amended regulations promulgated by the Financial Services Commission commencing in 2013 to implement Basel III, Korean bank holding companies were required to maintain a minimum ratio of common equity Tier I capital to risk-weighted assets of 3.5% and Tier I capital to risk-weighted assets of 4.5% from December 1, 2013, which minimum ratios were increased to 4.0% and 5.5%, respectively, from January 1, 2014 and increased further to 4.5% and 6.0%, respectively, from January 1, 2015. Such requirements are in addition to the pre-existing requirement for a minimum ratio of Tier I and Tier II capital (less any capital deductions) to risk-weighted assets of 8.0%, which remains unchanged. The amended regulations also require an additional capital conservation buffer of 1.25% in 2017 and 1.875% in 2018, with such buffer to increase to 2.5% in 2019, as well as a potential counter-cyclical capital buffer of up to 2.5%, which is determined on a quarterly basis by the Financial Services Commission. Furthermore, we were designated as one of six domestic systemically important banks for 2017 and 2018 by the Financial Services Commission, which would have subjected our bank holding company to an additional capital requirement of 0.50% in 2017 and 0.75% in 2018, with such potential requirement to increase to 1.0% in 2019.

Liquidity

All financial holding companies are required to match the maturities of their assets and liabilities on a non-consolidated basis in accordance with the Financial Holding Company Act in order to ensure liquidity. Financial holding companies must:

 

   

maintain a Won liquidity ratio (defined as Won assets due within one month, including marketable securities, divided by Won liabilities due within one month) of not less than 100% on a non-consolidated basis;

 

   

maintain a foreign currency liquidity ratio (defined as foreign currency liquid assets due within three months divided by foreign currency liabilities due within three months) of not less than 80% on a non-consolidated basis (except that such requirement is not applicable to a financial holding company whose foreign currency liabilities constitute less than 1% of its total assets);

 

   

maintain a ratio of foreign currency liquid assets due within seven days less foreign currency liabilities due within seven days as a percentage of total foreign currency assets of not less than 0% on a non-consolidated basis (except that such requirement is not applicable to a financial holding company whose foreign currency liabilities constitute less than 1% of its total assets);

 

   

maintain a ratio of foreign currency liquid assets due within a month less foreign currency liabilities due within a month as a percentage of total foreign currency assets of not less than negative 10% on a non-consolidated basis (except that such requirement is not applicable to a financial holding company whose foreign currency liabilities constitute less than 1% of its total assets); and

 

   

make quarterly reports regarding their Won liquidity and foreign currency liquidity to the Financial Supervisory Service.

Financial Exposure to Any Individual Customer and Major Investor

Subject to certain exceptions, the aggregate credit (as defined in the Financial Holding Company Act, the Bank Act, the Financial Investment Services and Capital Markets Act, the Insurance Business Act, the Mutual Savings Bank Act and the Specialized Credit Financial Business Act, respectively) of a financial holding company and its direct and indirect subsidiaries that are banks, merchant banks, financial investment companies, insurance companies, savings banks or specialized credit financial business companies (which we refer to as “Financial Holding Company Total Credit”) to a single group of companies that belong to the same conglomerate as defined in the Monopoly Regulations and Fair Trade Act will not be permitted to exceed 25% of net aggregate equity capital (as defined below).

 

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“Net aggregate equity capital” is defined under the Enforcement Decree of the Financial Holding Company Act as the sum of:

 

  (1)

in case of a financial holding company, the capital amount as defined in Article 24-3(7), Item 2 of the Enforcement Decree of the Financial Holding Company Act;

 

  (2)

in case of a bank, the capital amount as defined in Article 2(1), Item 5 of the Bank Act;

 

  (3)

in case of a merchant bank, the capital amount as defined in Article 342(1) of the Financial Investment Services and Capital Markets Act; and

 

  (4)

in case of a financial investment company, the capital amount as defined in Article 37(3) of the Enforcement Decree of the Financial Investment Services and Capital Markets Act;

 

  (5)

in case of an insurance company, the capital amount as defined in Article 2, Item 15 of the Insurance Business Act;

 

  (6)

in case of a savings bank, the capital amount as defined in Article 2, Item 4 of the Mutual Savings Bank Act; and

 

  (7)

in case of a specialized credit financial business company, the capital amount as defined in Article 2, Item 19 of the Specialized Credit Financial Business Act;

less the sum of:

 

  (1)

the amount of shares of direct and indirect subsidiaries held by the financial holding company;

 

  (2)

the amount of shares that are cross-held by each direct and indirect subsidiary that is a bank, merchant bank, financial investment company, insurance company, savings bank or specialized credit financial business company; and

 

  (3)

the amount of shares of a financial holding company held by such direct and indirect subsidiaries that are banks, merchant banks, financial investment companies, insurance companies, savings banks or specialized credit financial business companies.

The Financial Holding Company Total Credit to a single individual or judicial person may not exceed 20% of the net aggregate equity capital. In addition, the Financial Holding Company Total Credit to a shareholder holding (together with the persons who have a “special relationship” with the shareholder, as defined in the Enforcement Decree of the Financial Holding Company Act) in aggregate more than 10% of the total issued and outstanding voting shares of a financial holding company generally may not exceed the lesser of (x) 25% of the net aggregate equity capital and (y) the amount of the equity capital of the financial holding company multiplied by the shareholding ratio of the shareholder (together with the persons who have a special relationship with the shareholder).

Further, the total sum of credits (as defined in the Financial Holding Company Act, the Bank Act, the Financial Investment Services and Capital Markets Act, the Insurance Business Act, the Mutual Savings Bank Act and the Specialized Credit Financial Business Act, respectively) of a bank holding company and its direct and indirect subsidiaries that are banks, merchant banks, financial investment companies, insurance companies, savings banks or specialized credit financial business companies as applicable (“Bank Holding Company Total Credit”) extended to a “major investor” (as defined below) (together with the persons who have a special relationship with that major investor) will not be permitted to exceed the lesser of (x) 25% of the net aggregate equity capital and (y) the amount of the equity capital of the bank holding company multiplied by the shareholding ratio of the major investor, except for certain cases.

“Major investor” is defined as:

 

   

a shareholder holding (together with persons who have a special relationship with that shareholder), in excess of 10% (or in the case of a bank holding company controlling regional banks only, 15%) in the aggregate of the bank holding company’s total issued and outstanding voting shares; or

 

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a shareholder holding (together with persons who have a special relationship with that shareholder), more than 4% in the aggregate of the total issued and outstanding voting shares of the bank holding company controlling nationwide banks, where the shareholder is the largest shareholder or has actual control over the major business affairs of the bank holding company through, for example, appointment and dismissal of the officers pursuant to the Enforcement Decree of the Financial Holding Company Act.

In addition, the total sum of the Bank Holding Company Total Credit granted to all of a bank holding company’s major investor must not exceed 25% of the bank holding company’s net aggregate equity capital. Furthermore, any bank holding company that, together with its direct and indirect subsidiaries, intends to extend credit to the bank holding company’s major investor in an amount equal to or exceeding the lesser of (x) the amount equivalent to 0.1% of the net aggregate equity capital and (y) W5 billion, in any single transaction, must obtain prior unanimous board resolutions and then, immediately after providing the credit, must file a report to the Financial Services Commission and publicly disclose the filing of the report.

Restrictions on Transactions Among Direct and Indirect Subsidiaries and Financial Holding Company

Generally, a direct or indirect subsidiary of a financial holding company may not extend credits (excluding the amount of corporate credit card payments issued by a direct or indirect subsidiary of a financial holding company that is engaged in the banking business) to that financial holding company. In addition, a direct or indirect subsidiary of a financial holding company may not extend credits (excluding the amount of corporate credit card payments issued by a direct or indirect subsidiary of a financial holding company that is engaged in the banking business) to other direct or indirect subsidiaries of the financial holding company in excess of 10% of its capital amount on an individual basis or to those subsidiaries in excess of 20% of its capital amount on an aggregate basis. The subsidiary extending the credit must also obtain an adequate level of collateral depending on the type of such collateral from the other subsidiaries unless the credit is otherwise approved by the Financial Services Commission. The adequate level of collateral for each type of collateral is as follows:

 

  (1)

for deposits and installment savings, obligations of the Korean government or the Bank of Korea, obligations guaranteed by the Korean government or the Bank of Korea, obligations secured by securities issued or guaranteed by the Korean government or the Bank of Korea, 100% of the credit extended;

 

  (2)

for obligations of municipal governments under the Local Autonomy Act, local public enterprise under the Local Public Enterprises Act and investment institutions and other quasi-investment institutions under the Basic Act on the Management of Government-Invested Institution or for obligations guaranteed by, or secured by the securities issued or guaranteed by, the aforementioned entities pursuant to the relevant regulations, 110% of the credit extended; and

 

  (3)

for any property other than those set forth in paragraphs (1) and (2) above, 130% of the credit extended.

Subject to certain exceptions, a direct or indirect subsidiary of a financial holding company is prohibited from owning the shares of any other direct or indirect subsidiaries (other than those directly controlled by that direct or indirect subsidiary) under the common control of the financial holding company.

Subject to certain exceptions, a direct or indirect subsidiary of a financial holding company is also prohibited from owning the shares of the financial holding company controlling that direct or indirect subsidiary. The transfer of certain assets classified as precautionary or below between a financial holding company and its direct or indirect subsidiary or between the direct and indirect subsidiaries of a financial holding company is prohibited except for:

 

  (1)

transfers to a special purpose company, or entrustment with a trust company, for an asset-backed securitization transaction under the Asset-Backed Securitization Act;

 

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  (2)

transfers to a mortgage-backed securities issuance company for a mortgage securitization transaction;

 

  (3)

transfers or in-kind contributions to a corporate restructuring vehicle under the Corporate Restructuring Investment Companies Act; and

 

  (4)

transfers to a corporate restructuring company under the Industry Promotion Act.

Disclosure of Management Performance

For the purpose of protecting the depositors and investors in the subsidiaries of financial holding companies, the Financial Services Commission requires financial holding companies to disclose certain material matters including:

 

  (1)

financial condition and profit and loss of the financial holding company and its direct and indirect subsidiaries;

 

  (2)

fund-raising by the financial holding company and its direct and indirect subsidiaries and the appropriation of such funds;

 

  (3)

any sanctions levied on the financial holding company and its direct and indirect subsidiaries under the Financial Holding Company Act or any corrective measures or sanctions under the Law on Improvement of Structure of Financial Industry; and

 

  (4)

matters prescribed by the Financial Services Commission to be necessary for the protection of rights of depositors and investors, such as the occurrence of any non-performing assets or financial incident that may have a material adverse effect, or any other event as prescribed in the applicable regulations.

Restrictions on Shareholdings in Other Companies

Generally, a financial holding company may not own (i) more than 5% of the total issued and outstanding shares of another finance-related company, (ii) any shares of its affiliates, other than its direct or indirect subsidiaries or (iii) any shares of a non-finance-related company.

Restrictions on Shareholdings by Direct and Indirect Subsidiaries

Generally, a direct subsidiary of a financial holding company may not control any other company other than, as an indirect subsidiary of the financial holding company:

 

   

financial institutions established in foreign jurisdictions;

 

   

certain financial institutions which are engaged in any business that the direct subsidiary may conduct without any licenses or permits;

 

   

certain financial institutions whose business is related to the business of the direct subsidiary as described by the Enforcement Decree of the Financial Holding Company Act (for example, a bank subsidiary may control only credit information companies, credit card companies and financial investment companies with a dealing, brokerage, collective investment, investment advice, discretionary investment management and/or trust license);

 

   

certain financial institutions whose business is related to the financial business as prescribed by the regulations of the Ministry of Strategy and Finance; and

 

   

certain companies which are not financial institutions but whose business is related to the financial business of the financial holding company as prescribed by the Enforcement Decree of the Financial Holding Company Act (for example, a finance-related research company or a finance-related information technology company).

 

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Acquisition of such indirect subsidiaries by direct subsidiaries of a financial holding company requires prior permission from the Financial Services Commission or the submission of a report to the Financial Services Commission, depending on the types of the indirect subsidiaries and the amount of total assets of the indirect subsidiaries.

Subject to certain exceptions, an indirect subsidiary of a financial holding company may not control any other company. If an indirect subsidiary of a financial holding company had control over another company at the time it became such an indirect subsidiary, the indirect subsidiary is required to dispose of its interest in the other company within two years from such time.

Restrictions on Transactions between a Bank Holding Company and its Major Investor

A bank holding company and its direct and indirect subsidiaries may not acquire (including through their respective trust accounts) shares issued by the bank holding company’s major investor in excess of 1% of the net aggregate equity capital (as defined above). In addition, if those entities intend to acquire shares issued by that major investor in any single transaction equal to or exceeding the lesser of (x) the amount equivalent to 0.1% of the net aggregate equity capital and (y) W5 billion, that entity must obtain prior unanimous board resolutions and then, immediately after the acquisition, file a report to the Financial Services Commission and publicly disclose the filing of the report.

Restrictions on Ownership of a Financial Holding Company

Under the Financial Holding Company Act, a financial institution generally may not control a financial holding company. In addition, any single shareholder and persons who have a special relationship with that shareholder may acquire beneficial ownership of up to 10% of the total issued and outstanding shares with voting rights of a bank holding company that controls nationwide banks or 15% of the total issued and outstanding shares with voting rights of a bank holding company that controls only regional banks, subject to certain exceptions. Among others, the Korean government and the Korea Deposit Insurance Corporation are not subject to this limit. “Non-financial business group companies” (as defined below), however, may not acquire the beneficial ownership of shares of a bank holding company controlling nationwide banks in excess of 4% of that bank holding company’s outstanding voting shares unless they obtain the approval of the Financial Services Commission and agree not to exercise voting rights in respect of shares in excess of the 4% limit, in which case they may acquire beneficial ownership of up to 10%. Any other person (whether a Korean national or a foreign investor) may acquire no more than 10% of total voting shares issued and outstanding of a bank holding company controlling nationwide banks unless they obtain approval from the Financial Services Commission in each instance where the total holding will exceed 10% (or 15% in the case of a bank holding company controlling only regional banks), 25% or 33% of the total voting shares issued and outstanding of that bank holding company controlling nationwide banks.

Furthermore, in the case where a person (including Korean and foreign investors, but excluding certain persons prescribed under the Enforcement Decree of the Financial Holding Company Act) (i) acquires in excess of 4% of the total issued and outstanding voting shares of any bank holding company (other than a bank holding company controlling only regional banks), (ii) becomes the largest shareholder of such bank holding company in which such person has acquired in excess of 4% of the total issued and outstanding voting shares, (iii) changes its shareholding in such bank holding company, in which it has acquired in excess of 4% of the total issued and outstanding voting shares, by 1% or more of the total issued and outstanding voting shares of such bank holding company or (iv) is a private equity fund or an investment purpose company holding in excess of 4% of the total outstanding voting shares of a bank holding company and changes its members or shareholders, such person must file a report on such change with the Financial Services Commission (x) in case of (i) and (iii), within ten days after the end of the quarter in which such change occurred, or (y) in case of (ii) and (iv), within 10 days after the end of the month in which such change occurred.

 

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“Non-financial business group companies” as defined under the Financial Holding Company Act include:

 

  (1)

any same shareholder group where the aggregate net assets of all non-financial business companies belonging to that group equals or exceeds 25% of the aggregate net assets of all members of that group;

 

  (2)

any same shareholder group where the aggregate assets of all non-financial business companies belonging to that group equals or exceeds W2 trillion;

 

  (3)

any mutual fund where a same shareholder group identified in (1) or (2) above beneficially owns and/or exercises the voting rights of more than 4% of the total issued and outstanding voting shares of that mutual fund;

 

  (4)

any private equity fund (a) where a person falling under any of items (1) through (3) above is a limited partner holding not less than 10% of the total amount of contributions to the private equity fund, or (b) where a person falling under any of items (1) through (3) above is a general partner, or (c) where the total equity of the private equity fund acquired by each affiliate belonging to several enterprise groups subject to the limitation on mutual investment is 30% or more of the total amount of contributions to the private equity fund; or

 

  (5)

the investment purpose company concerned, where a private equity fund falling under item (4) above acquires or holds stocks in excess of 4% of the stock or equity of such company or exercises de facto control over significant managerial matters of such company through appointment or dismissal of executives or in any other manner.

Sharing of Customer Information among Financial Holding Company and its Subsidiaries

Under the Act on Use and Protection of Credit Information, any individual customer’s credit information must be disclosed or otherwise used by financial institutions only to determine, establish or maintain existing commercial transactions with them and only after obtaining written consent to use that information. In addition, under the Act on Real Name Financial Transactions and Confidentiality, an individual working at a financial institution may not provide or reveal information or data concerning the contents of financial transactions to other persons unless such individual receives a request or consent in writing from the holder of a title deed, except under certain exceptions stipulated in the Act. Under the Financial Holding Company Act, a financial holding company and its direct and indirect subsidiaries, however, may share certain credit information of individual customers among themselves for internal management purposes outlined in the Enforcement Decree of the Financial Holding Company Act (such as credit risk management, internal control and customer analysis), without the customers’ written consent, subject to the methods and procedures for provision of such information set forth therein. A subsidiary financial investment company with a dealing and/or brokerage license of a financial holding company may provide that financial holding company and its other direct and indirect subsidiaries information relating to the aggregate amount of cash or securities that a customer of the financial investment company with a dealing and/or brokerage license has deposited, for internal management purposes outlined in the Enforcement Decree of the Financial Holding Company Act, subject to the methods and procedures for provision of such information set forth therein. Recent amendments to the Financial Holding Company Act, which became effective on November 29, 2014, limit the scope of credit information that may be shared without the customers’ prior consent and require certain procedures for provision of customer information as prescribed by the Financial Services Commission. Beginning on November 29, 2014, notice must be given to customers at least once a year regarding (i) the provider of customer information, (ii) the recipient of customer information, (iii) the purpose of providing the information and (iv) the categories of the information provided.

 

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Principal Regulations Applicable to Banks, Credit Card Operations and Other Matters

For a description of the principal regulations applicable to banks and credit card operations, regulations on class action suits regarding securities in Korea, the regulations on the financial investment business and the Act on the Corporate Governance of Financial Institutions, see “Item 4.B. Business Overview—Supervision and Regulation” in our Annual Report on Form 20-F for the year ended December 31, 2017, which is incorporated by reference into this prospectus.

 

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DESCRIPTION OF WOORI BANK’S CAPITAL STOCK

For a description of the material terms of our capital stock under the articles of incorporation currently in effect, and of certain relevant provisions of the Korean Commercial Code, the Financial Investment Services and Capital Market Act and certain related laws of Korea, see “Item 10.B. Memorandum and Articles of Association—Description of Capital Stock” in our Annual Report on Form 20-F for the year ended December 31, 2017, which is incorporated by reference into this prospectus.

 

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DESCRIPTION OF WOORI FINANCIAL GROUP’S CAPITAL STOCK

Capital Stock

Total Shares. Woori Financial Group initially will have authority to issue a total of 4,000,000,000 shares of capital stock. Woori Financial Group’s proposed articles of incorporation provide that Woori Financial Group will be authorized to issue various types of “class shares,” which include shares of voting and non-voting preferred stock, convertible stock, redeemable preferred stock and hybrid securities comprising one or more elements of the foregoing types of shares, up to one-half of all of the issued and outstanding shares of common stock. Woori Financial Group’s proposed articles of incorporation also allow its shareholders, by special resolution, to grant to its officers, directors and employees stock options exercisable for up to 15% of the total number of all of the issued and outstanding shares. Woori Financial Group’s board of directors may also grant stock options exercisable for up to 1% of all of the issued and outstanding shares to persons other than its directors. However, any grant by Woori Financial Group’s board of directors must be approved by Woori Financial Group’s shareholders at their next general meeting convened immediately after the grant date.

Common Stock. Following completion of the stock transfer, we anticipate that approximately 673 million shares of Woori Financial Group common stock will be outstanding.

Class Shares. Following completion of the stock transfer, we anticipate that no “class shares” of Woori Financial Group will be outstanding.

Employee Stock Options. Following completion of the stock transfer, we anticipate that no stock options of Woori Financial Group will be outstanding.

Share certificates of Woori Financial Group common stock will be issued in denominations of one, five, 10, 50, 100, 500, 1,000 and 10,000 shares, which may be split or reverse split upon the request of a shareholder.

Proposed Articles of Incorporation

This section of the prospectus describes the material terms of the capital stock of Woori Financial Group under the proposed articles of incorporation that are expected to be in effect immediately after the stock transfer is completed. This section also briefly summarizes certain relevant provisions of the Korean Commercial Code, the Financial Investment Services and Capital Markets Act, the Financial Holding Company Act of Korea and certain related laws of Korea, as all currently in effect. The terms of the proposed Woori Financial Group articles of incorporation, as well as the terms of the Korean Commercial Code, the Financial Investment Services and Capital Markets Act, the Financial Holding Company Act and the other related laws of Korea, are more detailed than the general information provided below.

Organization and Register

Woori Financial Group will be a holding company established under the Financial Holding Company Act. Upon its incorporation, it will be registered with the commercial registry office of the Seoul Central District Court.

Dividends and Other Distributions

Dividends. Dividends will be distributed to Woori Financial Group shareholders in proportion to the number of shares of the relevant class of capital stock owned by each shareholder following approval by the shareholders at an annual general meeting of shareholders. Subject to the requirements of the Korean Commercial Code and other applicable laws and regulations, we expect Woori Financial Group to pay full annual dividends on newly issued shares for the year in which the new shares are issued.

 

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Woori Financial Group will declare its dividend (if any) annually at the annual general meeting of shareholders, which will generally be held within three months after the end of each fiscal year. Once declared, the annual dividend must be paid to the shareholders of record as of the end of the preceding fiscal year within one month after the annual general meeting. Annual dividends may be distributed in cash or in stock. Cash dividends may be paid out of retained earnings that have not been appropriated to statutory reserves. In addition to the annual dividend, Woori Financial Group may also declare and distribute in cash, interim dividends once a year pursuant to a resolution by the board of directors.

Under the Korean Commercial Code and Woori Financial Group’s proposed articles of incorporation, Woori Financial Group will not have an obligation to pay any annual dividend unclaimed for five years from the payment date.

The Financial Holding Company Act and related regulations require that each time a Korean financial holding company pays an annual dividend, it must set aside in its legal reserve to stated capital an amount equal to at least one-10th of its net income after tax until the amount set aside reaches at least the aggregate amount of its stated capital. Unless it sets aside this amount, a Korean financial holding company may not pay an annual dividend. We expect Woori Financial Group to set aside allowances for loan losses and reserves for severance pay in addition to this legal reserve.

Distribution of Free Shares. In addition to permitting dividends in the form of shares to be paid out of retained or current earnings, the Korean Commercial Code permits a company to distribute to its shareholders, in the form of free shares, an amount transferred from the capital surplus or legal reserve to stated capital. These free shares must be distributed pro rata to all shareholders.

Preemptive Rights and Issuances of Additional Shares

Unless otherwise provided in the Korean Commercial Code, a company may issue authorized but unissued shares at such times and upon such terms as the board of directors of the company may determine. The company must offer the new shares on uniform terms to all shareholders who have preemptive rights and who are listed on the shareholders’ register as of the applicable record date. Woori Financial Group shareholders will be entitled to subscribe for any newly issued shares in proportion to their existing shareholdings. However, Woori Financial Group’s proposed articles of incorporation provide that new shares may be issued to persons other than existing shareholders if such shares are:

 

   

publicly offered pursuant to Article 165-6 of the Financial Investment Services and Capital Markets Act (where the number of shares so offered may not exceed 50% of the total number of issued shares of Woori Financial Group);

 

   

issued to directors or employees as a result of the exercise of stock options granted to them by Woori Financial Group pursuant to Article 542-3 of the Korean Commercial Code;

 

   

issued to the members of Woori Financial Group’s employee stock ownership association pursuant to Article 165-7 of the Financial Investment Services and Capital Markets Act; or

 

   

issued to specified foreign investors or foreign or domestic financial institutions for Woori Financial Group’s managerial needs, strategic alliances, financing or debt-to-equity swaps by those financial institutions (where the number of shares so offered may not exceed 50% of the total number of issued shares of Woori Financial Group).

Public notice of the preemptive rights to new shares and the transferability thereof must be given not less than two weeks (excluding the period during which the shareholders’ register is closed) prior to the record date. Woori Financial Group will notify the shareholders who are entitled to subscribe for newly issued shares of the deadline for subscription at least two weeks prior to the deadline. If a shareholder fails to subscribe on or before such deadline, the shareholder’s preemptive rights will lapse. The board of directors may determine how

 

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to distribute shares in respect of which preemptive rights have not been exercised or where fractions of shares occur.

Under the Financial Investment Services and Capital Markets Act, members of Woori Financial Group’s employee stock ownership association, whether or not they are shareholders, will have a preemptive right, subject to certain exceptions, to subscribe for up to 20% of the shares publicly offered. This right is exercisable only to the extent that the total number of shares so acquired and held by such members does not exceed 20% of the total number of shares then outstanding.

In addition, Woori Financial Group’s proposed articles of incorporation permit its issuance of convertible bonds or bonds with warrants, each up to an aggregate principal amount of W2 trillion, to persons other than existing shareholders. Under the Korean Commercial Code, Woori Financial Group will be permitted to distribute convertible bonds or bonds with warrants to persons other than existing shareholders only when it deems that this distribution is necessary for managerial purposes, such as obtaining new technology or improving its financial condition.

Voting Rights

Each outstanding share of Woori Financial Group common stock will be entitled to one vote per share. However, voting rights with respect to shares of common stock that Woori Financial Group or any of its subsidiaries holds may not be exercised. Unless stated otherwise in a company’s articles of incorporation, the Korean Commercial Code permits holders of an aggregate of 1% or more of the issued and outstanding shares with voting rights to request cumulative voting when electing two or more directors. Woori Financial Group’s proposed articles of incorporation do not prohibit cumulative voting.

The Korean Commercial Code and Woori Financial Group’s proposed articles of incorporation provide that an ordinary resolution may be adopted if approval is obtained from the holders of at least a majority of those shares of common stock present or represented at such meeting and such majority also represents at least one-fourth of the total of Woori Financial Group’s issued voting shares. Holders of non-voting shares (other than enfranchised non-voting shares) will not be entitled to vote on any resolution or to receive notice of any general meeting of shareholders unless the agenda of the meeting includes consideration of a resolution on which such holders are entitled to vote. The Korean Commercial Code provides that a company’s articles of incorporation may prescribe conditions for the enfranchisement of non-voting shares. For example, if Woori Financial Group’s annual general shareholders’ meeting resolves not to pay to holders of non-voting shares with preferred dividends the annual dividend as determined by the board of directors at the time of issuance of such shares, the holders of non-voting shares with preferred dividends will be entitled to exercise voting rights from the general shareholders’ meeting following the meeting adopting such resolution to the end of a meeting to declare to pay such dividend with respect to the non-voting shares with preferred dividends. Holders of such enfranchised non-voting shares with preferred dividends will have the same rights as holders of common stock to request, receive notice of, attend and vote at a general meeting of shareholders.

The Korean Commercial Code provides that to amend the articles of incorporation, which is also required for any change to the authorized share capital of a company, and in certain other instances, including removal of a director of a company, dissolution, merger or consolidation of a company, transfer of the whole or a significant part of the business of a company, acquisition of all of the business of any other company, acquisition of a part of the business of any other company having a material effect on the business of the company or issuance of new shares at a price lower than their par value, a special resolution must be adopted by the approval of the holders of at least two-thirds of those shares present or represented at such meeting and such special majority also represents at least one-third of the total issued and outstanding shares with voting rights of the company.

In addition, in the case of amendments to the articles of incorporation or any merger or consolidation of a company or in certain other cases, where the rights or interest of the holders of “class shares” are adversely

 

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affected, a resolution must be adopted by a separate meeting of holders of “class shares.” Such a resolution may be adopted if the approval is obtained from shareholders of at least two-thirds of the “class shares” present or represented at such meeting and such shares also represent at least one-third of the total issued and outstanding “class shares” of the company.

A shareholder may exercise his voting rights by proxy. The proxy must present the power of attorney prior to the start of a meeting of shareholders.

Liquidation Rights

In the event Woori Financial Group is liquidated, the assets remaining after the payment of all debts, liquidation expenses and taxes will be distributed to the shareholders in proportion to the number of shares held by them.

General Meetings of Shareholders

There are two types of general meetings of shareholders: (1) annual general meetings and (2) extraordinary general meetings. Woori Financial Group will be required to convene its annual general meeting within three months after the end of each fiscal year. Subject to a board resolution or court approval, an extraordinary general meeting of shareholders may be held when necessary or at the request of the holders of an aggregate of 3% or more of Woori Financial Group’s outstanding shares, or the holders of an aggregate of 1.5% or more of Woori Financial Group’s outstanding stock with voting rights, who have held those shares at least for six months, under the Act on the Corporate Governance of Financial Companies and its sub-regulations. Under the Korean Commercial Code, an extraordinary general meeting of shareholders may also be convened at the request of Woori Financial Group’s audit committee, subject to a board resolution or court approval. Holders of non-voting shares may be entitled to request a general meeting of shareholders only to the extent the non-voting shares have become enfranchised as described under the section entitled “—Voting Rights” above, hereinafter referred to as “enfranchised non-voting shares.” Meeting agendas will be determined by the board of directors or proposed by holders of an aggregate of 3% or more of the outstanding shares with voting rights or by holders of an aggregate of 0.1% or more of Woori Financial Group’s issued and outstanding shares with voting rights, who have held those shares for at least six months, by way of a written proposal to the board of directors at least six weeks prior to the meeting, under the Act on the Corporate Governance of Financial Companies and its sub-regulations. Written notices or e-mail notices stating the date, place and agenda of the meeting must be given to the shareholders at least two weeks prior to the date of the general meeting of shareholders. Notice may, however, be given to holders of 1% or less of the total number of issued and outstanding shares which are entitled to vote, either by placing at least two public notices at least two weeks in advance of the meeting in at least two daily newspapers or by placing a notice through the electronic disclosure system operated by the Financial Supervisory Service or the Korea Exchange. Shareholders who are not on the shareholders’ register as of the record date will not be entitled to receive notice of the general meeting of shareholders, and they will not be entitled to attend or vote at such meeting. Holders of enfranchised non-voting shares who are on the shareholders’ register as of the record date will be entitled to receive notice of the general meeting of shareholders and they will be entitled to attend and vote at such meeting. Otherwise, holders of non-voting shares will not be entitled to receive notice of or vote at general meetings of shareholders.

The general meeting of shareholders will be held at Woori Financial Group’s head office, which will be Woori Financial Group’s registered head office, or, if necessary, may be held anywhere in the vicinity of Woori Financial Group’s head office.

Rights of Dissenting Shareholders

Pursuant to the Financial Investment Services and Capital Markets Act, in certain limited circumstances (including, without limitation, if Woori Financial Group transfers all or any significant part of its

 

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business, if Woori Financial Group acquires a part of the business of any other company and such acquisition has a material effect on its business, or if Woori Financial Group merges or consolidates with another company), dissenting holders of shares of Woori Financial Group common stock and Woori Financial Group stock with preferred dividends will have the right to require Woori Financial Group to purchase their shares. To exercise such a right, shareholders must submit to Woori Financial Group a written notice of their dissent by the day prior to the general meeting of shareholders. Within 20 days (10 days in the case of a stock transfer or exchange under the Financial Holding Company Act) after the date on which the relevant resolution is passed at such meeting, such dissenting shareholders must request in writing that Woori Financial Group purchase their shares. Woori Financial Group will be obligated to purchase the shares from dissenting shareholders within one month after the end of such request period at a price to be determined by negotiation between Woori Financial Group and the shareholder. If Woori Financial Group cannot agree on a price with the shareholder through such negotiations, the purchase price will be the arithmetic mean of (x) the weighted average of the closing share prices on the KRX KOSPI Market of the Korea Exchange for the two-month period prior to the date of the adoption of the relevant board of directors’ resolution, (y) the weighted average of the closing share prices on the KRX KOSPI Market of the Korea Exchange for the one-month period prior to the date of the adoption of the relevant board of directors’ resolution and (z) the weighted average of the closing share prices on the KRX KOSPI Market of the Korea Exchange for the one-week period prior to the date of the adoption of the relevant board of directors’ resolution. However, any dissenting shareholder who wishes to contest the purchase price may bring a claim in court.

Required Disclosure of Ownership

Under Korean law, shareholders who beneficially hold more than a certain percentage of Woori Financial Group common stock, or who are related to or are acting in concert with other holders of certain percentages of Woori Financial Group common stock or Woori Financial Group’s other equity securities, must report the status of their holdings to the Financial Services Commission and other relevant governmental authorities. For a description of such required disclosure of ownership, see “Korean Foreign Exchange Controls and Securities Regulations—Reporting Requirements for Holders of Substantial Interests” and “Supervision and Regulation of Woori Financial Group—Principal Regulations Applicable to Financial Holding Companies—Restrictions on Ownership of a Financial Holding Company.”

Other Provisions

Register of Shareholders and Record Dates. Woori Financial Group will maintain the register of its shareholders at its principal office in Seoul, Korea. Woori Financial Group will register transfers of shares on the register of shareholders upon presentation of the share certificates.

The record date for annual dividends of Woori Financial Group will be December 31. For the purpose of determining the holders of shares entitled to annual dividends, the register of shareholders will be closed for the period beginning from January 1 and ending on January 31. In addition, the Korean Commercial Code and Woori Financial Group’s proposed articles of incorporation permit Woori Financial Group upon at least two weeks’ public notice to set a record date and/or close the register of shareholders for not more than three months for the purpose of determining the shareholders entitled to certain rights pertaining to the shares. However, in the event that the register of shareholders is closed for the period beginning from January 1 and ending on January 31 for the purpose of determining the holders of shares entitled to attend the annual general meeting of shareholders, the Korean Commercial Code waives the requirement to provide at least two weeks’ public notice. The trading of shares and the delivery of certificates in respect thereof may continue while the register of shareholders is closed.

Annual and Interim Reports. At least one week before the annual general meeting of shareholders, Woori Financial Group must make its management report to shareholders and audited financial statements available for inspection at its head office and at all of its branch offices. Copies of this report, the audited financial statements and any resolutions adopted at the general meeting of shareholders will be available to Woori Financial Group’s shareholders.

 

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Under the Financial Investment Services and Capital Markets Act, Woori Financial Group must file with the Financial Services Commission and the KRX KOSPI Market of the Korea Exchange an annual business report within 90 days after the end of each fiscal year, a half-year business report within 45 days after the end of the first six months of each fiscal year and quarterly business reports within 45 days after the end of the first three months and nine months of each fiscal year, respectively. Copies of such business reports will be available for public inspection at the Financial Services Commission and the KRX KOSPI Market of the Korea Exchange.

Transfer of Shares. Under the Korean Commercial Code, the transfer of shares is effected by the delivery of share certificates. The Financial Investment Services and Capital Markets Act provides, however, that in case of a company listed on the KRX KOSPI Market of the Korea Exchange such as Woori Financial Group, share transfers can be effected by the book-entry method. In order to assert shareholders’ rights against Woori Financial Group, the transferee must have his name and address registered on the register of shareholders. For this purpose, shareholders are required to file with Woori Financial Group their name, address and seal. Non-resident shareholders must notify Woori Financial Group of the name of their proxy in Korea to which notices can be sent.

Under current Korean regulations, the Korea Securities Depository, internationally recognized foreign custodians, financial investment companies with a dealing license (including domestic branches of foreign financial investment companies with such license), financial investment companies with a brokerage license (including domestic branches of foreign financial investment companies with such license), foreign exchange banks (including domestic branches of foreign banks) and financial investment companies with a collective investment license (including domestic branches of foreign financial investment companies with such license) may act as agents and provide related services for foreign shareholders.

In addition, foreign shareholders may appoint a standing proxy among the foregoing and generally may not allow any person other than the standing proxy to exercise rights to the acquired shares or perform any tasks related thereto on their behalf. Certain foreign exchange controls and securities regulations apply to the transfer of shares by non-residents or non-Koreans. See “Korean Foreign Exchange Controls and Securities Regulations.” Except as provided in the Financial Holding Company Act, the ceiling on the aggregate shareholdings of a single shareholder and persons who stand in a special relationship with such shareholder is 10% of Woori Financial Group’s issued and outstanding voting shares. See “Supervision and Regulation of Woori Financial Group—Principal Regulations Applicable to Financial Holding Companies—Restrictions on Ownership of a Financial Holding Company.”

Acquisition of Woori Financial Group Shares. Under the Korean Commercial Code, Woori Financial Group may acquire its own shares upon a resolution of a general meeting of shareholders by either (i) purchasing them on a stock exchange or (ii) purchasing a number of shares, other than redeemable shares as set forth in Article 345, Paragraph (1) of the Korean Commercial Code, from each shareholder in proportion to their existing shareholding ratio through the methods set forth in the Presidential Decree, provided that the total purchase price does not exceed the amount of Woori Financial Group’s profit that may be distributed as dividends in respect of the immediately preceding fiscal year.

Additionally, pursuant to the Financial Investment Services and Capital Markets Act and regulations under the Financial Holding Company Act and after submission of certain reports to the Financial Services Commission, Woori Financial Group may purchase its own shares on the KRX KOSPI Market or through a tender offer, subject to the restrictions that (i) the aggregate purchase price of such shares may not exceed the total amount available for distribution of dividends at the end of the preceding fiscal year; and (ii) the purchase of such shares shall meet the risk-weighted capital adequacy ratio requirements prescribed in the regulations under the Financial Holding Company Act based on BIS standards.

Subject to certain limited exceptions, subsidiaries of Woori Financial Group will not be permitted to acquire Woori Financial Group shares pursuant to the Financial Holding Company Act.

 

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DESCRIPTION OF WOORI FINANCIAL GROUP’S AMERICAN DEPOSITARY SHARES

Unless otherwise indicated, all references in this section to “American depositary shares” are to Woori Financial Group American depositary shares, all references to “American depositary receipts” are to Woori Financial Group American depositary receipts and all references to “shares” are to shares of Woori Financial Group common stock.

Citibank, N.A. has agreed to act as the depositary for the American depositary shares of Woori Financial Group. Citibank’s depositary offices are located at 388 Greenwich Street, New York, New York 10013, U.S.A. American depositary shares represent ownership interests in securities that are on deposit with the depositary, and may be represented by certificates that are commonly known as American depositary receipts. The depositary typically appoints a custodian to safekeep the securities on deposit. In this case, the custodian will be Korea Securities Depository, located in Seoul, Korea.

Citibank, N.A. will be appointed as depositary pursuant to the Second Amended and Restated Deposit Agreement among Woori Financial Group, the depositary, all holders and beneficial owners from time to time of American depositary shares issued thereunder. We will also be a party thereto solely to amend the existing Amended and Restated Deposit Agreement. A draft copy of the deposit agreement is attached as an exhibit to the registration statement on Form F-4 filed by us with the SEC, of which this prospectus forms a part. A copy of the deposit agreement will be filed with the SEC under cover of a Registration Statement on Form F-6. You may obtain a draft copy of the deposit agreement from the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549 and from the SEC’s website at http://www.sec.gov. All references herein to the deposit agreement are to the Second Amended and Restated Deposit Agreement.

The following is a summary description of the material terms of the American depositary shares of Woori Financial Group and of your material rights as an owner of such American depositary shares. Please remember that summaries by their nature lack the precision of the information summarized and that the rights and obligations of an owner of American depositary shares will be determined by reference to the terms of the deposit agreement and not by this summary. Please review the deposit agreement in its entirety. The portions of this summary description that are italicized describe matters that may be relevant to the ownership of American depositary shares but that may not be contained in the deposit agreement.

Each American depositary share will represent the right to receive three shares of Woori Financial Group common stock on deposit with the custodian. An American depositary share will also represent the right to receive any other property received by the depositary or the custodian on behalf of the owner of the American depositary share but that has not been distributed to the owners of American depositary shares because of legal restrictions or practical considerations. Woori Financial Group and the depositary may agree to change the American depositary share-to-share ratio by amending the deposit agreement. This amendment may give rise to, or change, the depositary fees payable by owners of American depositary shares. The custodian, the depositary and their respective nominees will hold all deposited property for the benefit of the holders and beneficial owners of American depositary shares. The deposited property does not constitute the proprietary assets of the depositary, the custodian or their nominees. Beneficial ownership in the deposited property will, under the terms of the deposit agreement, be vested in the beneficial owners of the American depositary shares. The depositary, the custodian and their respective nominees will be the record holders of the deposited property represented by the American depositary shares for the benefit of the holders and beneficial owners of the corresponding American depositary shares. A beneficial owner of American depositary shares may or may not be the holder of American depositary shares. Beneficial owners of American depositary shares will be able to receive, and exercise beneficial ownership interests in, the deposited property only through the registered holders of the American depositary shares, the registered holders of the American depositary shares (on behalf of the applicable owners of American depositary share) only through the depositary, and the depositary (on behalf of the owners of the corresponding American depositary shares) directly, or indirectly, through the custodian or their respective nominees, in each case in accordance with the terms of the deposit agreement.

 

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If you become an owner of Woori Financial Group’s American depositary shares, you will become a party to the deposit agreement and therefore will be bound to its terms and to the terms of any American depositary receipt that represents your American depositary shares. The deposit agreement and the American depositary receipt specify Woori Financial Group’s rights and obligations as well as your rights and obligations as owner of American depositary shares and those of the depositary. As a holder of American depositary shares, you appoint the depositary to act on your behalf in certain circumstances. The deposit agreement and the American depositary receipts are governed by New York law. However, Woori Financial Group’s obligations to the holders of Woori Financial Group shares will continue to be governed by the laws of Korea, which may be different from the laws in the United States.

In addition, applicable laws and regulations may require you to satisfy reporting requirements and obtain regulatory approvals in certain circumstances. You are solely responsible for complying with such reporting requirements and obtaining such approvals. None of the depositary, the custodian, Woori Financial Group or any of their respective agents or affiliates shall be required to take any actions whatsoever on behalf of you to satisfy such reporting requirements or obtain such regulatory approvals under applicable laws and regulations.

The manner in which you own the American depositary shares (e.g., in a brokerage account vs. as a registered holder, or as a holder of certificated vs. uncertificated American depositary shares) may affect your rights and obligations, and the manner in which, and the extent to which, the depositary’s services are made available to you. As an owner of American depositary shares, you may hold your American depositary shares either by means of an American depositary receipt registered in your name, through a brokerage or safekeeping account, or through an account established by the depositary in your name reflecting the registration of uncertificated American depositary shares directly on the books of the depositary (commonly referred to as the “direct registration system” or “DRS”). The direct registration system reflects the uncertificated (book-entry) registration of ownership of American depositary shares by the depositary. Under the direct registration system, ownership of American depositary shares is evidenced by periodic statements issued by the depositary to the holders of the American depositary shares. The direct registration system includes automated transfers between the depositary and DTC, the central book-entry clearing and settlement system for equity securities in the United States. If you decide to hold your American depositary shares through your brokerage or safekeeping account, you must rely on the procedures of your broker or bank to assert your rights as American depositary share owner. Banks and brokers typically hold securities such as the American depositary shares through clearing and settlement systems such as DTC. The procedures of such clearing and settlement systems may limit your ability to exercise your rights as an owner of American depositary shares. Please consult with your broker or bank if you have any questions concerning these limitations and procedures. All American depositary shares held through DTC will be registered in the name of a nominee of DTC. This summary description assumes you have opted to own the American depositary shares directly by means of an American depositary share registered in your name and, as such, we will refer to you as the “holder.” When we refer to “you,” we assume the reader owns American depositary shares and will own American depositary shares at the relevant time.

The registration of the shares in the name of the depositary or the custodian shall, to the maximum extent permitted by applicable law, vest in the depositary or the custodian the record ownership in the applicable shares with the beneficial ownership rights and interests in such shares being at all times vested with the beneficial owners of the American depositary shares representing the shares. The depositary or the custodian shall at all times be entitled to exercise the beneficial ownership rights in all deposited property, in each case only on behalf of the holders and beneficial owners of the American depositary shares representing the deposited property.

Dividends and Distributions

As a holder, you generally have the right to receive the distributions Woori Financial Group may make on the securities deposited with the custodian bank. Your receipt of these distributions may be limited, however,

 

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by practical considerations and legal limitations. Holders will receive such distributions under the terms of the deposit agreement in proportion to the number of American depositary shares held as of a specified record date.

Distributions of Cash

Whenever Woori Financial Group makes a cash distribution for the securities on deposit with the custodian, it will deposit the funds with the Custodian. Upon receipt of confirmation of the deposit of the requisite funds, the depositary will arrange for the funds to be converted into U.S. dollars and for the distribution of the U.S. dollars to the holders, subject to Korean laws and regulations.

The conversion into U.S. dollars will take place only if commercially feasible and if the U.S. dollars are transferable to the United States. The depositary will apply the same method for distributing the proceeds of the sale of any property (such as undistributed rights) held by the custodian in respect of securities on deposit.

The distribution of cash will be made net of the fees, expenses, taxes and governmental charges payable by holders under the terms of the deposit agreement.

Distributions of Shares

Whenever Woori Financial Group makes a free distribution of shares for the securities on deposit with the custodian, it will deposit the applicable number of shares with the custodian. Upon receipt of confirmation of such deposit, the depositary will either distribute to holders new American depositary shares representing the shares deposited or modify the American depositary share-to-share ratio, in which case each American depositary share you hold will represent rights and interests in the additional shares so deposited. Only whole new American depositary shares will be distributed. Fractional entitlements will be sold and the proceeds of such sale will be distributed as in the case of a cash distribution.

The distribution of additional American depositary shares upon a distribution of shares will be made net of the fees, expenses, taxes and governmental charges payable by holders under the terms of the deposit agreement. In order to pay such taxes or governmental charges, the depositary may sell all or a portion of the shares so distributed.

No such distribution of additional American depositary shares will be made if it would violate a law (i.e., the U.S. securities laws) or if it is not commercially feasible. If the depositary does not distribute additional American depositary shares or modify the American depositary share-to-share ratio as described above, it may sell the shares received upon the terms described in the deposit agreement and will distribute the proceeds of the sale as in the case of a distribution of cash.

Distributions of Rights

Whenever Woori Financial Group intends to distribute rights to purchase additional shares or any rights of any other nature, the depositary, after consultation with Woori Financial Group and subject to the terms of the deposit agreement, will establish procedures to enable holders to exercise such rights if it is lawful and commercially feasible to make the rights available to holders of American depositary shares. You may have to pay fees, expenses, taxes and other governmental charges to subscribe for the new American depositary shares upon the exercise of your rights. The depositary is not obligated to establish procedures to facilitate the distribution and exercise by holders of rights to purchase new shares other than in the form of American depositary shares.

 

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Due to restrictions under Korean law, you will not be entitled to any rights to subscribe for additional shares with respect to any shares of common stock or other deposited securities represented by your American depositary shares which, when taken together with all other shares of common stock beneficially owned by you and certain of your affiliates, exceeds a certain percentage of the total number of shares of common stock at the time issued and outstanding, or any other limit under Woori Financial Group’s articles of incorporation or applicable law of which Woori Financial Group may from time to time notify the depositary. See “Risk Factors—Risks Relating to Woori Financial Group Common Stock and American Depositary Shares—Ownership of Woori Financial Group common stock is restricted under Korean law.”

The depositary will not distribute the rights to you if:

 

   

Woori Financial Group does not timely request that the rights be distributed to you or Woori Financial Group requests that the rights not be distributed to you;

 

   

Woori Financial Group fails to deliver satisfactory documents to the depositary; or

 

   

It is not commercially feasible to distribute the rights.

The depositary will sell the rights that are not exercised or not distributed if such sale is lawful and commercially feasible. The proceeds of such sale will be distributed to holders as in the case of a cash distribution. If the depositary is unable to sell the rights, it will allow the rights to lapse.

Elective Distributions

Whenever Woori Financial Group intends to distribute a dividend payable at the election of shareholders either in cash or in additional shares, Woori Financial Group will give prior notice thereof to the depositary and will indicate whether Woori Financial Group wishes the elective distribution to be made available to you. In such case, Woori Financial Group will assist the depositary in determining whether such distribution is lawful and commercially feasible.

The depositary will make the election available to you only if it is commercially feasible and if Woori Financial Group has provided all of the documentation contemplated in the deposit agreement. In such case, the depositary will establish procedures to enable you to elect to receive either cash or additional American depositary shares, in each case as described in the deposit agreement.

If the election is not made available to you, you will receive either cash or additional American depositary shares, depending on what a shareholder in Korea would receive upon failing to make an election, as more fully described in the deposit agreement.

Other Distributions

Whenever Woori Financial Group distributes property other than cash, shares or rights to purchase additional shares, the depositary will, upon receipt of such property other than cash, shares or rights to purchase additional shares, distribute such property to the holders in any manner that it deems commercially feasible, subject to applicable law.

The distribution will be made net of fees, expenses, taxes and governmental charges payable by holders under the terms of the deposit agreement. In order to pay such taxes and governmental charges, the depositary may sell all or a portion of the property received.

The depositary will not distribute the property to you and will sell the property if:

 

   

Woori Financial Group does not request that the property be distributed to you or if Woori Financial Group requests that the property not be distributed to you;

 

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Woori Financial Group does not deliver satisfactory documents to the depositary; or

 

   

The depositary determines that all or a portion of the distribution to you is not commercially feasible.

The proceeds of such a sale will be distributed to holders as in the case of a cash distribution.

Changes Affecting Shares

The shares held on deposit for your American depositary shares may change from time to time. For example, there may be a change in nominal or par value, a split-up, consolidation or reclassification of such shares or a recapitalization, reorganization, merger, consolidation or sale of assets.

If any such change were to occur, your American depositary shares would, to the extent permitted by law, represent the right to receive the property received or exchanged in respect of the shares held on deposit. The depositary may in such circumstances deliver new American depositary shares to you, or call for the surrender of outstanding American depositary receipts to be exchanged for new American depositary receipts specifically describing such new property or shares. If the depositary may not lawfully distribute such property to you, the depositary may sell such property and distribute the net proceeds to you as in the case of a cash distribution.

Issuance of American Depositary Shares upon Deposit of Shares

The depositary may create American depositary shares on your behalf if you or your broker deposits shares of Woori Financial Group common stock with the custodian. The depositary will deliver these American depositary shares to the person you indicate only after you pay any applicable issuance fees and any charges and taxes payable for the transfer of the shares to the custodian. Your ability to deposit shares and receive American depositary shares may be limited by U.S. and Korean legal considerations applicable at the time of deposit.

The issuance of American depositary shares may be delayed until the depositary or the custodian receives confirmation that all required approvals have been given and that the shares have been duly transferred to the custodian.

The depositary will only issue American depositary shares in whole numbers.

When you make a deposit of shares, you will be responsible for transferring good and valid title to the depositary. As such, you will be deemed to represent and warrant that:

 

   

The shares are duly authorized, validly issued, fully paid, non-assessable and legally obtained.

 

   

All preemptive (and similar) rights, if any, with respect to such shares have been validly waived or exercised.

 

   

You are duly authorized to deposit the shares.

 

   

The shares presented for deposit are free and clear of any lien, encumbrance, security interest, charge, mortgage or adverse claim.

 

   

The shares presented for deposit are not, and the American depositary shares issuable upon such deposit will not be, “restricted securities” (as defined in the deposit agreement).

 

   

The shares presented for deposit have not been stripped of any rights or entitlements.

If any of the representations or warranties is incorrect in any way, Woori Financial Group and the depositary may, at your cost and expense, take any and all actions necessary to correct the consequences of the misrepresentations.

 

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Transfer, Combination and Split Up of American Depositary Receipts

As an American depositary receipt holder, you will be entitled to transfer, combine or split up your American depositary receipts and the American depositary shares evidenced thereby. For transfers of American depositary receipts, you will have to surrender the American depositary receipts to be transferred to the depositary and also must:

 

   

ensure that the surrendered American depositary receipt certificate is properly endorsed or otherwise in proper form for transfer;

 

   

provide such proof of identity and genuineness of signatures as the depositary deems appropriate;

 

   

provide any transfer stamps required by the State of New York or the United States; and

 

   

pay all applicable fees, charges, expenses, taxes and other government charges payable by American depositary receipt holders pursuant to the terms of the deposit agreement, upon the transfer of American depositary receipts.

To have your American depositary receipts either combined or split up, you must surrender the American depositary receipts in question to the depositary with your request to have them combined or split up, and you must pay all applicable fees, charges and expenses payable by American depositary receipt holders, pursuant to the terms of the deposit agreement, upon a combination or split up of American depositary receipts.

Withdrawal of Woori Financial Group Common Stock Upon Cancellation of American Depositary Shares

As a holder, you will be entitled to present your American depositary shares to the depositary for cancellation and then receive the corresponding number of underlying shares of Woori Financial Group common stock at the custodian’s offices. Your ability to withdraw the shares may be limited by U.S. and Korean legal considerations applicable at the time of withdrawal, including, but not limited to, that such withdrawal of shares is not permitted unless and until such shares are listed on the KRX KOSPI Market. In order to withdraw the shares of Woori Financial Group common stock represented by your American depositary shares, you will be required to pay to the depositary the fees for cancellation of American depositary shares and any charges and taxes payable upon the transfer of the shares of Woori Financial Group common stock being withdrawn. You assume the risk for delivery of all funds and securities upon withdrawal. Once canceled, the American depositary shares will not have any rights under the deposit agreement.

If you hold American depositary shares registered in your name, the depositary may ask you to provide proof of identity and genuineness of any signature and such other documents as the depositary may deem appropriate before it will cancel your American depositary shares. The withdrawal of the shares of Woori Financial Group common stock represented by your American depositary shares may be delayed until the depositary receives satisfactory evidence of compliance with all applicable laws and regulations. Please keep in mind that the depositary will only accept American depositary shares for cancellation that represent a whole number of shares of Woori Financial Group common stock on deposit.

You will have the right to withdraw the shares of Woori Financial Group common stock represented by your American depositary shares at any time except for:

 

   

Temporary delays that may arise because the transfer books for the shares or American depositary shares are closed, or (ii) shares of Woori Financial Group common stock are immobilized on account of a shareholders’ meeting or a payment of dividends.

 

   

Obligations to pay fees, taxes and similar charges.

 

   

Restrictions imposed because of laws or regulations applicable to American depositary shares or the withdrawal of shares of Woori Financial Group common stock on deposit.

 

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The deposit agreement may not be modified to impair your right to withdraw the shares of Woori Financial Group common stock represented by your American depositary shares except to comply with mandatory provisions of law.

Voting Rights

As a holder, you generally have the right under the deposit agreement to instruct the depositary to exercise the voting rights for the shares of Woori Financial Group common stock represented by your American depositary shares. The voting rights of holders of shares of Woori Financial Group common stock are described in the section titled “Description of Woori Financial Group’s Capital Stock.”

At Woori Financial Group’s request, the depositary will distribute to you any notice of a shareholders’ meeting received from Woori Financial Group together with information explaining how to instruct the depositary to exercise the voting rights of the shares of Woori Financial Group common stock represented by American depositary shares. In lieu of distributing such materials, the depositary may distribute to holders of American depositary shares instructions on how to retrieve such materials upon request.

If the depositary timely receives voting instructions from a holder of American depositary shares, it will endeavor to vote the shares of Woori Financial Group common stock represented by the holder’s American depositary shares in accordance with such voting instructions. To the extent the depositary does not receive timely voting instructions from holders, it will vote the shares represented by the unvoted American depositary shares in the same manner and in the same proportion on each matter as all other shares of Woori Financial Group common stock present or represented at the shareholders’ meeting are voted.

Due to restrictions under Korean law, you will not be entitled to instruct the depositary as to the exercise of voting rights with respect to any shares of common stock or other deposited securities represented by your American depositary shares which, when taken together with all other shares of common stock beneficially owned by you and certain of your affiliates, exceeds a certain percentage of the total number of shares of common stock at the time issued and outstanding, or any other limit under Woori Financial Group’s articles of incorporation or applicable law of which Woori Financial Group may from time to time notify the depositary. See “Risk Factors—Risks Relating to Woori Financial Group Common Stock and American Depositary Shares—Ownership of Woori Financial Group common stock is restricted under Korean law.”

Please note that the ability of the depositary to carry out voting instructions may be limited by practical and legal limitations and the terms of the securities on deposit. We cannot assure you that you will receive voting materials in time to enable you to return voting instructions to the depositary in a timely manner.

 

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Fees and Charges

As a holder of Woori Financial Group American depositary shares, you will be required to pay the following fees under the terms of the deposit agreement:

 

Services

  

Fees

Issuance of American depositary shares (e.g., an issuance of American depositary shares upon a deposit of shares, upon a change in the American depositary share(s)-to share(s) ratio, or for any other reason), excluding American depositary share issuances as a result of distributions of shares    Up to $0.05 per American depositary share issued
Cancellation of American depositary shares (e.g., a cancellation of American depositary shares for delivery of deposited property, upon a change in the American depositary share(s)-to-share(s) ratio, or for any other reason)    Up to $0.05 per American depositary share cancelled
Distribution of cash dividends or other cash distributions (e.g., upon a sale of rights and other entitlements)    Up to $0.05 per American depositary share held
Distribution of American depositary shares pursuant to (i) stock dividends or other free stock distributions, or (ii) exercise of rights to purchase additional American depositary shares    Up to $0.05 per American depositary share held
Distribution of securities other than American depositary shares or rights to purchase additional American depositary shares (e.g., upon a spin-off)    Up to $0.05 per American depositary share held
American depositary share services    Up to $0.05 per American depositary share held on the applicable record date(s) established by the depositary

As a holder of American depositary shares, you will also be responsible to pay certain charges such as:

 

   

taxes (including applicable interest and penalties) and other governmental charges;

 

   

the registration fees as may from time to time be in effect for the registration of shares on the share register and applicable to transfers of shares to or from the name of the custodian, the depositary or any nominees upon the making of deposits and withdrawals, respectively;

 

   

certain cable, telex and facsimile transmission and delivery expenses;

 

   

the expenses and charges incurred by the depositary in the conversion of foreign currency;

 

   

the fees and expenses incurred by the depositary in connection with compliance with exchange control regulations and other regulatory requirements applicable to shares, American depositary shares and American depositary receipts; and

 

   

the fees and expenses incurred by the depositary, the custodian, or any nominee in connection with the servicing or delivery of deposited property.

 

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American depositary share fees and charges for (i) the issuance of American depositary shares, and (ii) the cancellation of American depositary shares are charged to the person for whom the American depositary shares are issued (in the case of American depositary share issuances) and to the person for whom American depositary shares are cancelled (in the case of American depositary share cancellations). In the case of American depositary shares issued by the depositary into DTC, the American depositary share issuance and cancellation fees and charges may be deducted from distributions made through DTC, and may be charged to the DTC participant(s) receiving the American depositary shares being issued or the DTC participant(s) holding the American depositary shares being cancelled, as the case may be, on behalf of the beneficial owner(s) and will be charged by the DTC participant(s) to the account of the applicable beneficial owner(s) in accordance with the procedures and practices of the DTC participants as in effect at the time. American depositary share fees and charges in respect of distributions and the American depositary share services fee are charged to the holders as of the applicable American depositary share record date. In the case of distributions of cash, the amount of the applicable American depositary share fees and charges is deducted from the funds being distributed. In the case of (i) distributions other than cash and (ii) the American depositary share services fee, holders as of the American depositary share record date will be invoiced for the amount of the American depositary share fees and charges and such American depositary share fees and charges may be deducted from distributions made to holders of American depositary shares. For American depositary shares held through DTC, the American depositary share fees and charges for distributions other than cash and the American depositary share services fee may be deducted from distributions made through DTC, and may be charged to the DTC participants in accordance with the procedures and practices prescribed by DTC and the DTC participants in turn charge the amount of such American depositary share fees and charges to the beneficial owners for whom they hold American depositary shares.

In the event of refusal to pay the depositary fees, the depositary may, under the terms of the deposit agreement, refuse the requested service until payment is received or may set off the amount of the depositary fees from any distribution to be made to the holder of American depositary shares. Certain depositary fees and charges (such as the American depositary share services fee) may become payable shortly after the closing of this transaction. Note that the fees and charges you may be required to pay may vary over time and may be changed by Woori Financial Group and by the depositary. You will receive prior notice of such changes. The depositary may reimburse Woori Financial Group for certain expenses incurred by Woori Financial Group in respect of the American depositary receipt program, by making available a portion of the American depositary share fees charged in respect of the American depositary receipt program or otherwise, upon such terms and conditions as Woori Financial Group and the depositary agree from time to time.

Amendments and Termination

Woori Financial Group may agree with the depositary to modify the deposit agreement at any time without your consent. Woori Financial Group is expected to undertake to give holders 30 days’ prior notice of any modifications that would prejudice any of their substantial rights under the deposit agreement. Woori Financial Group will not consider to be prejudicial to your substantial rights any modifications or supplements that are reasonably necessary for the American depositary shares to be registered under the Securities Act or to be eligible for book-entry settlement, in each case without imposing or increasing the fees and charges you are required to pay. In addition, Woori Financial Group may not be able to provide you with prior notice of any modifications or supplements that are required to accommodate compliance with applicable provisions of law.

You will be bound by the modifications to the deposit agreement if you continue to hold your American depositary shares after the modifications to the deposit agreement become effective. The deposit agreement cannot be amended to prevent you from withdrawing the shares represented by your American depositary shares (except as permitted by law).

Woori Financial Group has the right to direct the depositary to terminate the deposit agreement. Similarly, the depositary may in certain circumstances on its own initiative terminate the deposit agreement. In

 

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either case, the depositary must give notice to the holders at least 30 days before termination. Until termination, your rights under the deposit agreement will be unaffected.

After termination, the depositary will continue to collect all distributions received on the shares on deposit, sell property and rights and convert the shares on deposit into cash, and deliver the shares on deposit, together with any distributions received with respect thereto and the net proceeds of the sale of any rights or other property, in exchange for American depositary shares surrendered to the depositary (after deducting the applicable fees, charges and taxes). The depositary may sell the securities held on deposit after termination of the deposit agreement. The depositary will hold the proceeds from such sale and any other funds then held for the holders of American depositary shares in an un-segregated account. At that point, the depositary will have no further obligations to holders other than to account for the funds then held for the holders of American depositary shares still outstanding

Books of Depositary

The depositary will maintain records of the holders of American depositary shares at its depositary office. You may inspect such records at such office during regular business hours but solely for the purpose of communicating with other holders in the interest of business matters relating to the American depositary shares and the deposit agreement.

The depositary will maintain in New York facilities to record and process the issuance, cancellation, combination, split-up and transfer of American depositary shares. These facilities may be closed from time to time, to the extent not prohibited by law.

Limitations on Obligations and Liabilities

The deposit agreement limits the obligations of Woori Financial Group and the depositary to you. Please note the following:

 

   

Woori Financial Group and the depositary are obligated only to take the actions specifically stated in the deposit agreement in good faith and without negligence.

 

   

The depositary disclaims any liability for any failure to carry out voting instructions, for any manner in which a vote is cast or for the effect of any vote, provided it acts in good faith and without negligence and in accordance with the terms of the deposit agreement.

 

   

The depositary disclaims any liability for any failure to determine the lawfulness or practicality of any action, for the content of any document forwarded to you on behalf of Woori Financial Group or for the accuracy of any translation of such a document, for the investment risks associated with investing in shares, for the validity or worth of the shares, for any tax consequences that result from the ownership of American depositary shares, for the credit-worthiness of any third party, for allowing any rights to lapse under the terms of the deposit agreement, for the timeliness of any of Woori Financial Group’s notices or for Woori Financial Group’s failure to give notice.

 

   

Woori Financial Group and the depositary will not be obligated to perform any act that is inconsistent with the terms of the deposit agreement.

 

   

Woori Financial Group and the depositary disclaim any liability if Woori Financial Group is prevented or forbidden from acting on account of any law or regulation, any provision of the articles of incorporation of Woori Financial Group, any provision of any securities on deposit or by reason of any act of God or war or other circumstances beyond the control of Woori Financial Group.

 

   

Woori Financial Group and the depositary disclaim any liability by reason of any exercise of, or failure to exercise, any discretion provided for the deposit agreement or in the articles of incorporation of Woori Financial Group or in any provisions of securities on deposit.

 

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Woori Financial Group and the depositary further disclaim any liability for any action or inaction in reliance on the advice or information received from legal counsel, accountants, any person presenting shares of Woori Financial Group common stock for deposit, any holder of American depositary shares or authorized representatives thereof, or any other person believed by either of Woori Financial Group or the depositary in good faith to be competent to give such advice or information.

 

   

Woori Financial Group and the depositary also disclaim liability for the inability by a holder to benefit from any distribution, offering, right or other benefit which is made available to holders of Woori Financial Group shares but is not, under the terms of the deposit agreement, made available to you.

 

   

Woori Financial Group and the depositary may rely without any liability upon any written notice, request or other document believed to be genuine and to have been signed or presented by the proper parties.

 

   

Woori Financial Group and the depositary also disclaim liability for any consequential or punitive damages for any breach of the terms of the deposit agreement.

 

   

No disclaimer of any Securities Act liability is intended by any provision of the deposit agreement.

Taxes

You will be responsible for the taxes and other governmental charges payable on the American depositary shares and the securities represented by the American depositary shares. For example, if any securities transaction tax is payable in connection with the transfer of common stock to or from the depositary in exchange for American depositary shares, that tax would be for your account. Woori Financial Group, the depositary and the custodian may deduct from any distribution the taxes and governmental charges payable by holders and may sell any and all property on deposit to pay the taxes and governmental charges payable by holders. You will be liable for any deficiency if the sale proceeds do not cover the taxes that are due.

The depositary may refuse to issue American depositary shares, to deliver, transfer, split and combine American depositary receipts or to release securities on deposit until all taxes and charges are paid by the applicable holder. The depositary and the custodian may take reasonable administrative actions to obtain tax refunds and reduced tax withholding for any distributions on your behalf. However, you may be required to provide to the depositary and to the custodian proof of taxpayer status and residence and such other information as the depositary and the custodian may require to fulfill legal obligations. You are required to indemnify Woori Financial Group, the depositary and the custodian for any claims with respect to taxes based on any tax benefit obtained for you.

Foreign Currency Conversion

The depositary will arrange for the conversion of all foreign currency received into U.S. dollars if such conversion is commercially feasible, and it will distribute the U.S. dollars in accordance with the terms of the deposit agreement. You may have to pay fees and expenses incurred in converting foreign currency, such as fees and expenses incurred in complying with currency exchange controls and other governmental requirements.

If, in the reasonable judgment of the depositary, the foreign currency cannot be converted on a reasonable basis, or if any required approvals are denied or not obtainable at a reasonable cost or within a reasonable period, the depositary may take the following actions in its discretion:

 

   

Convert the foreign currency to the extent practical and lawful and distribute the U.S. dollars to the holders for whom the conversion and distribution is lawful and practical.

 

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Distribute the foreign currency to holders for whom the distribution is lawful and practical.

 

   

Hold the foreign currency (without liability for interest) for the applicable holders.

Governing Law

The deposit agreement and the American depositary receipts will be interpreted in accordance with the laws of the State of New York. The rights of holders of shares (including shares represented by American depositary shares) are governed by the laws of Korea.

 

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COMPARISON OF RIGHTS OF WOORI BANK SHAREHOLDERS AND

WOORI FINANCIAL GROUP SHAREHOLDERS

We are, and Woori Financial Group will be, organized under the law of the Republic of Korea. Any differences, therefore, in the rights of holders of our common stock and holders of Woori Financial Group common stock would arise primarily from differences in our respective articles of incorporation.

There will be no material differences in rights of holders of our common stock and holders of Woori Financial Group common stock under our articles of incorporation and the proposed articles of incorporation of Woori Financial Group. In addition, there will be no material adverse changes in the rights of holders of our American depositary shares compared to those of holders of Woori Financial Group American depositary shares under the applicable deposit agreements.

 

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MARKET PRICE INFORMATION

The table below sets forth, for the periods indicated, the high and low closing prices and the average daily volume of trading activity on the KRX KOSPI Market for our or our predecessor’s common stock, as applicable, and the high and low closing prices and the average daily volume of trading activity on the New York Stock Exchange for our or our predecessor’s American depositary shares, as applicable.

 

    KRX KOSPI Market      New York Stock Exchange(1)  
    Closing Price
Per Common
Stock
    Average Daily Trading
Volume
     Closing Price Per
American
Depositary Share
     Average
Daily
Trading
Volume
 
    High     Low            High      Low         
    (in Won)     (in thousands of shares)      (in U.S.$)      (in shares)  

2013

    13,500       9,800       1,676        38.33        25.09        13,557  

2014

    14,550       10,000       1,785        42.41        27.05        4,936  

2015

    11,200       8,780       2,246        31.32        22.03        6,229  

2016

    13,350       8,230       1,698        35.70        20.25        6,570  

First Quarter

    9,510       8,230       1,481        24.98        20.25        3,550  

Second Quarter

    10,800       9,220       1.920        28.31        23.94        7,359  

Third Quarter

    11,800       9,430       1,691        32.22        24.34        8,106  

Fourth Quarter

    13,350       11,350       1,700        35.70        30.42        7,359  

2017

    19,550       12,300       1,631        53.50        31.18        10,268  

First Quarter

    13,850       12,300       1,217        37.25        31.18        4,550  

Second Quarter

    18,600       13,050       2,162        48.70        35.21        6,033  

Third Quarter

    19,550       17,050       1,640        53.50        44.49        14,494  

Fourth Quarter

    18,100       15,400       1,506        47.76        41.20        15,994  

2018 (through                                             )

    17,200       13,700       1,770        49.04        38.43        14,336  

First Quarter

    17,200       14,250       1,640        49.04        40.83        14,765  

March

    16,400       14,250       1,802        45.97        40.83        15,051  

Second Quarter

              

April

    16,100       13,700       2,188        44.72        38.43        12,242  

May

    15,850       15,200       1,396        45.15        42.66        11,397  

June

    17,100       15,500       1,874        47.57        42.64        21,299  

Third Quarter

              

July

    17,000       16,250       1,916        46.37        43.51        19,905  

August

    17,150       16,100       1,275        46.30        42.47        12,622  

 

Source: KRX KOSPI Market; New York Stock Exchange

 

(1) 

Each American depositary share represents the right to receive three shares of our common stock.

 

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TAX CONSIDERATIONS

United States Taxation

This summary describes the material U.S. federal income tax consequences of the stock transfer for a U.S. holder (as defined below) of our common stock or American depositary shares. This summary applies to you only if you hold our common stock or American depositary shares as capital assets for tax purposes (a “holder”). For this purpose, the term “holder” does not include you if you are subject to special rules, such as:

 

   

a dealer in securities or currencies;

 

   

a trader in securities that elects to use a mark-to-market method of accounting for securities holdings;

 

   

a bank or financial institution;

 

   

a life insurance company;

 

   

a tax-exempt organization;

 

   

an entity treated as a partnership or other passthrough entity (or investors therein) for U.S. federal income tax purposes;

 

   

a person that holds common stock or American depositary shares as part of a hedge;

 

   

a person that holds common stock or American depositary shares as part of a straddle or conversion transaction for tax purposes;

 

   

a non-resident alien individual present in the United States for more than 182 days in a taxable year;

 

   

a person whose functional currency for tax purposes is not the U.S. dollar;

 

   

a person who is under the jurisdiction of a court proceeding under a Title 11 of the United States Code or similar case; or

 

   

a person that owns or is deemed to own 5% or more of our stock, measured by voting power or value.

In addition, this summary does not discuss the application of the U.S. federal estate and gift taxes, the Medicare net investment income tax or the alternative minimum tax, or any state, local or other tax consequences of purchasing, owning, and disposing of common stock or American depositary shares. You should consult your own tax advisers concerning the U.S. federal, state, local, and other tax consequences of purchasing, owning, and disposing of common stock or American depositary shares in your particular circumstances.

This summary is based on the Internal Revenue Code of 1986, as amended, its legislative history, existing and proposed regulations promulgated thereunder, and published rulings and court decisions, all as currently in effect. These laws are subject to change, possibly on a retroactive basis.

For purposes of this summary, you are a “U.S. holder” if you are a holder as described above that is the beneficial owner of our common stock or American depositary shares and are:

 

   

a citizen or resident of the United States;

 

   

a U.S. domestic corporation; or

 

   

otherwise subject to U.S. federal income tax on a net income basis with respect to income from the common stock or American depositary shares.

In general, if you are the beneficial owner of American depositary shares, you will be treated as the beneficial owner of the common stock represented by those American depositary shares for U.S. federal income tax purposes, and no gain or loss will be recognized if you exchange an American depositary share for the common stock represented by that American depositary share.

 

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Consequences of Receiving Woori Financial Group Stock or American Depositary Shares Pursuant to the Stock Transfer

Our special U.S. tax counsel, Cleary Gottlieb Steen & Hamilton LLP, will provide an opinion which will be filed as an exhibit to the registration statement on Form F-4 filed by us with the SEC, of which this prospectus forms a part. In the opinion of our special U.S. tax counsel, based on certain assumptions, (i) U.S. holders will not recognize gain or loss for U.S. tax purposes when they exchange our common stock or American depositary shares for Woori Financial Group common stock or American depositary shares pursuant to the stock transfer, (ii) a U.S. holder’s tax basis in Woori Financial Group common stock or American depositary shares received in the stock transfer will equal the U.S. holder’s tax basis in our common stock or American depositary shares exchanged, and (iii) a U.S. holder’s holding period in Woori Financial Group common stock or American depositary shares received will include the holder’s holding period in our common stock or American depositary shares exchanged.

Consequences of Owning Woori Financial Group Common Stock and American Depositary Shares

Common stock and American depositary shares of Woori Financial Group that you receive pursuant to the stock transfer generally will be subject to the same U.S. tax rules as our common stock or American depositary shares that you deliver in exchange for them.

Dividends

The gross amount of cash dividends that you receive (prior to deduction of Korean taxes) generally will be subject to U.S. federal income taxation as foreign source dividend income and will not be eligible for the dividends received deduction. Dividends paid in Won will be included in your income in a U.S. dollar amount calculated by reference to the exchange rate in effect on the date of your receipt of the dividend, in the case of common stock, or the depositary’s receipt, in the case of American depositary shares, regardless of whether the payment is in fact converted into U.S. dollars. If such a dividend is converted into U.S. dollars on the date of receipt, you generally should not be required to recognize foreign currency gain or loss in respect of the dividend income.

Subject to certain exceptions for short-term and hedged positions, the U.S. dollar amount of dividends received by an individual with respect to the American depositary shares will be subject to taxation at reduced rates if the dividends are “qualified dividends.” Dividends paid on the American depositary shares will be treated as qualified dividends if (i) the American depositary shares are readily tradable on an established securities market in the United States or Woori Financial Group is eligible for the benefits of a comprehensive tax treaty with the United States that the U.S. Treasury determines is satisfactory for purposes of this provision and that includes an exchange of information program, (ii) Woori Financial Group was not, in the year prior to the year in which the dividend was paid, and is not, in the year in which the dividend is paid, a passive foreign investment company, which we refer to as a “PFIC.” The Woori Financial Group American depositary shares will be listed on the New York Stock Exchange, and will qualify as readily tradable on an established securities market in the United States so long as they are so listed. In addition, the U.S. Treasury has determined that the Korea-United States income tax treaty meets the requirements for reduced rates of taxation, and we believe we are eligible for the benefits of that treaty. Based on our audited financial statements, we believe that we were not a PFIC in our 2017 taxable year. In addition, based on our current expectations regarding our income, assets and activities, we do not anticipate becoming a PFIC for our 2018 taxable year.

Distributions of additional shares in respect of common stock or American depositary shares that are made as part of a pro-rata distribution to all of our shareholders generally will not be subject to U.S. federal income tax.

Sale or Other Disposition

For U.S. federal income tax purposes, gain or loss you realize on a sale or other disposition of common stock or American depositary shares generally will be treated as U.S. source capital gain or loss, and will be

 

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long-term capital gain or loss if the common stock or American depositary shares were held for more than one year. Your ability to offset capital losses against ordinary income is limited. Long-term capital gain recognized by an individual U.S. holder generally is subject to taxation at reduced rates.

If a U.S. holder sells or otherwise disposes of common stock or American depositary shares in exchange for currency other than U.S. dollars, the amount realized generally will be the U.S. dollar value of the currency received at the spot rate on the date of sale or other disposition (or, if the shares are traded on an established securities market at such time, in the case of cash basis and electing accrual basis U.S. holders, the settlement date). An accrual basis U.S. holder that does not elect to determine the amount realized using the spot exchange rate on the settlement date will recognize foreign currency gain or loss equal to the difference between the U.S. dollar value of the amount received based on the spot exchange rates in effect on the date of the sale or other disposition and the settlement date. If an accrual basis U.S. holder makes the election described in the first sentence of this paragraph, it must be applied consistently from year to year and cannot be revoked without the consent of the Internal Revenue Service. A U.S. holder should consult its own tax advisors regarding the treatment of any foreign currency gain or loss realized with respect to any currency received in a sale or other disposition of the common stock or American depositary shares.

Foreign Tax Credit Considerations

You should consult your own tax advisers to determine whether you are subject to any special rules that limit your ability to make effective use of foreign tax credits. If no such rules apply, you may claim a credit against your U.S. federal income tax liability for Korean taxes withheld at the rate provided for under the income tax treaty between the United States and Korea from dividends on the common stock or American depositary shares, so long as you have owned the common stock or American depositary shares (and not entered into specified kinds of hedging transactions) for at least a 16-day period that includes the ex-dividend date. Capital gain or loss recognized by a U.S. holder on a sale or other taxable disposition of common stock or American depositary shares generally will be treated as U.S.-source gain or loss. Consequently, if any such gain is subject to Korean withholding tax, a U.S. holder may not be able to credit the tax against its U.S. federal income tax liability unless the credit can be applied (subject to the applicable limitations) against tax due on other income treated as derived from foreign sources. Instead of claiming a credit, you may, if you so elect, deduct such Korean taxes in computing your taxable income, subject to generally applicable limitations under U.S. tax law.

Any Korean securities transaction tax or agriculture and fishery special surtax that you pay will not be creditable for foreign tax credit purposes.

Foreign tax credits will not be allowed for withholding taxes imposed in respect of certain short-term or hedged positions in securities and may not be allowed in respect of arrangements in which a U.S. holder’s expected economic profit is insubstantial.

The calculation of foreign tax credits and, in the case of a U.S. holder that elects to deduct foreign taxes, the availability of deductions involve the application of complex rules that depend on a U.S. holder’s particular circumstances. You should consult your own tax advisers regarding the creditability or deductibility of such taxes.

Specified Foreign Financial Assets

Certain U.S. holders that own “specified foreign financial assets” with an aggregate value in excess of U.S.$50,000 are generally required to file an information statement along with their tax returns, currently on Form 8938, with respect to such assets. “Specified foreign financial assets” include any financial accounts held at a non-U.S. financial institution, as well as securities issued by a non-U.S. issuer (which would include the common stock and American depositary shares) that are not held in accounts maintained by financial institutions. Higher reporting thresholds apply to certain individuals living abroad and to certain married individuals.

 

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Regulations extend this reporting requirement to certain entities that are treated as formed or availed of to hold direct or indirect interests in specified foreign financial assets based on certain objective criteria. U.S. holders who fail to report the required information could be subject to substantial penalties. In addition, the statute of limitations for assessment of tax would be suspended, in whole or part. Prospective investors should consult their own tax advisors concerning the application of these rules to their investment in the common stock or American depositary shares, including the application of the rules to their particular circumstances.

Treatment of Dissenting Shareholders

If you elect to exercise your appraisal rights and we purchase all of your common stock from you for cash, you will realize gain or loss that will be subject to taxation in the manner described in “—Sale or Other Disposition” above.

U.S. Information Reporting and Backup Withholding Rules

Payments of dividends and sales proceeds that are made within the United States or through certain U.S.-related financial intermediaries are subject to information reporting and may be subject to backup withholding unless the holder (i) is a corporation or other exempt recipient and demonstrates this when required or (ii) provides a taxpayer identification number and certifies that no loss of exemption from backup withholding has occurred. Holders that are not U.S. persons generally are not subject to information reporting or backup withholding. However, such a holder may be required to provide a certification of its non-U.S. status in connection with payments received within the United States or through a U.S.-related financial intermediary.

Korean Tax Considerations

The following discussion is a summary of the material Korean tax consequences to non-Korean holders of our common stock and American depositary shares of the stock transfer and of ownership of Woori Financial Group common stock or American depositary shares.

For purposes of this discussion, a non-Korean holder means a holder who is not:

 

   

a resident of Korea;

 

   

a corporation with its head office, principal place of business or place of effective management in Korea; or

 

   

engaged in a trade or business in Korea through a permanent establishment or a fixed base to which the relevant income is attributable or with which the relevant income is effectively connected.

The discussion regarding Korean tax laws set forth below is based on the Korean tax laws currently in effect and as currently interpreted by the Korean taxation authorities. This discussion is not exhaustive and may not cover all possible tax considerations which may apply to a particular shareholder. The non-Korean holders of our common stock and American depositary shares are advised to consult their tax advisors as to the overall tax consequences to them of the stock transfer, including, in particular, the tax consequences under Korean law and the current tax treaty between Korea and the United States.

Consequence of the Stock Transfer

Under Korean tax laws, a non-Korean holder of our common stock will be able to defer taxation on any capital gains arising from the stock transfer, by virtue of the Special Tax Treatment Control Law of Korea, or the STTCL, until such holder’s sale of Woori Financial Group common stock received in the stock transfer, at which time the tax basis of such Woori Financial Group common stock will be the acquisition price at which such

 

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holder acquired the shares of our common stock being transferred pursuant to the stock transfer. However, non-Korean holders that are corporations may not defer such portion of tax on capital gains arising from the stock transfer that is attributable to the amount by which the market price of Woori Financial Group common stock (as calculated in accordance with applicable Korean laws and regulations) is in excess of the market price of our common stock. Any non-Korean holder of our common stock, including a corporation, which seeks to defer taxation on capital gains arising from the stock transfer will be required to submit a tax deferral application in prescribed form to the Korean tax authorities when filing its tax return for the applicable tax year.

Notwithstanding the foregoing, if our largest shareholder, the Korean Deposit Insurance Corporation, or the KDIC, disposes of more than 50% of its Woori Financial Group common stock received in the stock transfer within two years from the end of the fiscal year in which the date of the stock transfer falls, the deferral of taxation on capital gains will not be available, and you will generally be subject to Korean tax on capital gains in an amount equal to the lower of (i) 11.0% (inclusive of local income surtax) of the gross realization proceeds (i.e., the value of the Woori Financial Group common stock you receive in the stock transfer) or (ii) 22.0% (inclusive of local income surtax) of the net realized gain. However, such capital gains tax may not apply, or may apply at a reduced rate, if you establish your entitlement to an exemption or rate reduction under an applicable tax treaty or domestic tax law. See “—Tax Treaties” below for a discussion on claiming treaty benefits.

Pursuant to the STTCL, non-Korean holders of our common stock will be exempt from securities transaction tax otherwise applicable at the rate of 0.50% under Korean tax law in connection with the stock transfer, unless the KDIC disposes of more than 50% of its Woori Financial Group common stock received in the stock transfer during the fiscal year in which the date of the stock transfer falls.

Even though the tax treatment of non-Korean holders of American depositary shares under the current Korean tax law is not entirely clear, a non-Korean holder of our American depositary shares should be treated the same as a non-Korean holder of our common stock, and as such should be exempt for purposes of Korean taxation of the stock transfer by virtue of the STTCL, unless the KDIC disposes of more than 50% of its Woori Financial Group common stock received in the stock transfer within certain periods, as described in the preceding paragraphs.

Taxation of Dividends on Woori Financial Group Common Stock or American Depositary Shares

Woori Financial Group will deduct Korean withholding tax from dividends paid to you (whether payable in cash or in shares) at a rate of 22.0% (inclusive of local income surtax). If you are a qualified resident and a beneficial owner of the dividends in a country that has entered into a tax treaty with Korea, you may qualify for a reduced rate of Korean withholding tax. See “—Tax Treaties” below for a discussion on treaty benefits. If Woori Financial Group distributes to you free shares representing a transfer of earning surplus or certain capital reserves into paid-in capital, that distribution may be subject to Korean withholding tax.

Taxation of Capital Gains from Transfer of Woori Financial Group Common Stock or American Depositary Shares

As a general rule, capital gains earned by non-residents upon transfer of Woori Financial Group common stock or American depositary shares will be subject to Korean withholding tax at the lower of (i) 11.0% (inclusive of local income surtax) of the gross proceeds realized or (ii) subject to the production of satisfactory evidence of acquisition costs and certain direct transaction costs of the common stock or American depositary shares, 22.0% (inclusive of local income surtax) of the net realized gain, unless exempt from Korean income taxation under the applicable Korean tax treaty with the non-resident’s country of tax residence. See “—Tax Treaties” below for a discussion on treaty benefits. Even if you do not qualify for an exemption under a tax treaty, you will not be subject to the foregoing withholding tax on capital gains if you qualify under the relevant Korean domestic tax law exemptions discussed in the following paragraphs.

 

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In regard to the transfer of Woori Financial Group common stock through the KRX KOSPI Market of the Korea Exchange, you will not be subject to the withholding tax on capital gains (as described in the preceding paragraph) if you (i) have no permanent establishment in Korea and (ii) do not own or have not owned (together with any shares owned by any person with which you have a certain special relationship) 25% or more of the total issued and outstanding shares, which may include the shares of common stock represented by the American depositary shares, at any time during the calendar year in which the sale occurs and during the five consecutive calendar years prior to the calendar year in which the sale occurs.

Under Korean tax law, American depositary shares are viewed as shares of common stock for capital gains tax purposes. Accordingly, capital gains from the sale or disposition of Woori Financial Group American depositary shares will be taxed (if such sale or disposition constitutes a taxable event) as if such gains are from the sale or disposition of the underlying shares of common stock. Capital gains that you earn (regardless of whether you have a permanent establishment in Korea) from a transfer of Woori Financial Group American depositary shares outside of Korea will generally be exempt from Korean income taxation by virtue of the STTCL, provided that the issuance of the American depositary shares is deemed to be an overseas issuance under the STTCL. However, if you transfer Woori Financial Group American depositary shares after having converted the underlying shares of common stock, such exemption under the STTCL will not apply and you will be required to file a corporate income tax return and pay tax in Korea with respect to any capital gains derived from such transfer unless the purchaser or a financial investment company with a brokerage license, as applicable, withholds and pays such tax.

If you are subject to tax on capital gains with respect to the sale of Woori Financial Group American depositary shares, or of shares of Woori Financial Group common stock you acquired as a result of a withdrawal, the purchaser or, in the case of the sale of the common stock on the KRX KOSPI Market of the Korea Exchange or through a financial investment company with a brokerage license in Korea, such financial investment company, will be required to withhold Korean tax on capital gain from the sales price in an amount equal to the lower of (i) 11.0% (inclusive of local income surtax) of the gross realization proceeds or (ii) subject to the production of satisfactory evidence of acquisition costs and certain direct transaction costs of the common stock or American depositary shares, 22.0% (inclusive of local income surtax) of the net realized gain, and to make payment of these amounts to the Korean tax authority, unless you establish your entitlement to an exemption under an applicable tax treaty or domestic tax law. See “—Tax Treaties” below for a discussion on claiming treaty benefits.

Tax Treaties

Korea has entered into a number of income tax treaties with other countries (including the United States), which would reduce or exempt Korean withholding tax on dividends on, and capital gains on transfer of, Woori Financial Group common stock or American depositary shares. For example, under the Korea-United States income tax treaty, reduced rates of Korean withholding tax of 16.5% or 11.0% (depending on your shareholding ratio and inclusive of local income surtax) on dividends and an exemption from Korean withholding tax on capital gains are available to residents of the United States that are beneficial owners of the relevant dividend income or capital gains, subject to certain exceptions. However, under Article 17 (Investment or Holding Companies) of the Korea-United States income tax treaty, such reduced rates and exemption do not apply if (i) you are a United States corporation, (ii) by reason of any special measures, the tax imposed on you by the United States with respect to such dividend income or capital gains is substantially less than the tax generally imposed by the United States on corporate profits and (iii) 25% or more of your capital is held of record or is otherwise determined, after consultation between competent authorities of the United States and Korea, to be owned directly or indirectly by one or more persons who are not individual residents of the United States. Also, under Article 16 (Capital Gains) of the Korea-United States income tax treaty, the exemption on capital gains does not apply if (a) you have a permanent establishment in Korea and any shares of Woori Financial Group common stock in which you hold an interest and which give rise to capital gains are effectively connected to such permanent establishment, (b) you are an individual and you maintain a fixed base in Korea for an aggregate of

 

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183 days or more during a given taxable year and your Woori Financial Group American depositary shares or common stock giving rise to capital gains are effectively connected with such fixed base or (c) you are an individual and you are present in Korea for an aggregate of 183 days or more during a given taxable year.

You should inquire for yourself whether you are entitled to the benefit of a tax treaty between Korea and the country where you are a resident. It is the responsibility of the party claiming the benefits of an income tax treaty in respect of dividend payments or capital gains to submit to Woori Financial Group, the purchaser or the financial investment company, as applicable, a certificate as to his tax residence. In the absence of sufficient proof, Woori Financial Group, the purchaser or the financial investment company, as applicable, must withhold tax at the normal rates. Furthermore, in order for you to claim the benefit of a tax rate reduction or tax exemption on certain Korean source income (such as dividends or capital gains) under an applicable tax treaty, Korean tax law requires you (or your agent) to submit an application (for a reduced withholding tax rate, the “application for entitlement to a reduced tax rate,” and in the case of exemptions from withholding tax, the “application for tax exemption” along with a certificate of your tax residency issued by a competent authority of your country of tax residence, subject to certain exceptions) as the beneficial owner of such Korean source income, or a BO application. For example, a U.S. resident would be required to provide a Form 6166 as a certificate of tax residency together with the application for entitlement to reduced tax rate or the application for tax exemption. Such application should be submitted to the withholding agent prior to the payment date of the relevant income. Subject to certain exceptions, where the relevant income is paid to an overseas investment vehicle (which is not the beneficial owner of such income), or an OIV, a beneficial owner claiming the benefit of an applicable tax treaty with respect to such income must submit its BO application to such OIV, which must submit an OIV report and a schedule of beneficial owners to the withholding agent prior to the payment date of such income. In the case of a tax exemption application, the withholding agent is required to submit such application (together with the applicable OIV report in the case of income paid to an OIV) to the relevant district tax office by the ninth day of the month following the date of the payment of such income.

Inheritance Tax and Gift Tax

If you die while holding Woori Financial Group American depositary shares or donate Woori Financial Group American depositary shares, it is unclear whether, for Korean inheritance and gift tax purposes, you will be treated as the owner of the Woori Financial Group common stock underlying the American depositary shares. If the tax authority interprets depositary receipts as the underlying share certificates, you may be treated as the owner of Woori Financial Group common stock and your heir or the donee (or in certain circumstances, you as the donor) will be subject to Korean inheritance or gift tax presently at the rate of 10% to 50%; provided that the value of the Woori Financial Group American depositary shares or common stock is greater than a specified amount.

If you die while holding Woori Financial Group common stock or donate Woori Financial Group common stock, your heir or donee (or in certain circumstances, you as the donor) will be subject to Korean inheritance or gift tax at the same rate as indicated above.

At present, Korea has not entered into any tax treaty relating to inheritance or gift taxes.

Securities Transaction Tax

If you transfer Woori Financial Group common stock on the KRX KOSPI Market of the Korea Exchange, you will be subject to securities transaction tax at the rate of 0.15% and an agriculture and fishery special surtax at the rate of 0.15% of the sale price of the common stock. If your transfer of Woori Financial Group common stock is not made on the KRX KOSPI Market of the Korea Exchange, subject to certain exceptions, you will be subject to securities transaction tax at the rate of 0.5% and will not be subject to an agriculture and fishery special surtax.

 

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Under the Securities Transaction Tax Law, depositary receipts (such as American depositary receipts) constitute share certificates subject to the securities transaction tax. However, the transfer of depositary receipts listed on the New York Stock Exchange, the Nasdaq Global Market, or other qualified foreign exchanges is exempt from the securities transaction tax.

In principle, the securities transaction tax, if applicable, must be paid by the transferor of the Woori Financial Group common stock or American depositary receipts. When the transfer is effected through a securities settlement company, such settlement company is generally required to withhold and pay the tax to the tax authorities. When such transfer is made through a financial investment company only, such financial investment company is required to withhold and pay the tax. Where the transfer is effected by a non-resident without a permanent establishment in Korea, other than through a securities settlement company or a financial investment company, the transferee is required to withhold the securities transaction tax.

Non-reporting or under-reporting of securities transaction tax will generally result in penalties equal to 20% to 60% of the non-reported tax amount or 10% to 60% of under-reported tax amount. Also, a failure to timely pay securities transaction tax will result in a penalty equal to 10.95% per annum of the due but unpaid tax amount. The penalties are imposed on the party responsible for paying the securities transaction tax or, if such tax is required to be withheld, on the party that has the obligation to withhold.

 

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KOREAN FOREIGN EXCHANGE CONTROLS AND SECURITIES REGULATIONS

General

The Foreign Exchange Transaction Law and the Presidential Decree and regulations under such Law and Decree, which we refer to collectively as the “Foreign Exchange Transaction Laws,” regulate investments in Korean securities by non-residents and issuance of securities outside Korea by Korean companies. Non-residents may invest in Korean securities pursuant to the Foreign Exchange Transaction Laws. The Financial Services Commission has also adopted, pursuant to its authority under the Financial Investment Services and Capital Markets Act, regulations that restrict investment by foreigners in Korean securities and regulate the issuance of securities outside of Korea by Korean companies.

Subject to certain limitations, the Ministry of Strategy and Finance has the authority to take the following actions under the Foreign Exchange Transaction Laws:

 

   

if the Korean government deems it necessary on account of war, armed conflict, natural disaster or grave and sudden and significant changes in domestic or foreign economic circumstances or similar events or circumstances, the Ministry of Strategy and Finance may (i) temporarily suspend payment, receipt or performance under any or all foreign exchange transactions, in whole or in part, to which the Foreign Exchange Transaction Laws apply (including suspension of payment and receipt of foreign exchange), (ii) impose an obligation to deposit, safe-keep or sell precious metals or any means of payment to the Bank of Korea, a foreign exchange equalization fund or certain other governmental agencies or financial companies, or (iii) require resident creditors to collect and recover debts owed by non-resident debtors and to send such amounts to the creditors’ accounts in Korea; and

 

   

if the Korean government concludes that the international balance of payments and international financial markets are experiencing or are likely to experience significant disruption or that the movement of capital between Korea and other countries is likely to adversely affect its currency policies, exchange rate policies or other macroeconomic policies, the Ministry of Strategy and Finance may take action to require any person who intends to effect a capital transaction to obtain permission or to require any person who effects a capital transaction to deposit a portion of the means of payment acquired in such transaction with the Bank of Korea, a foreign exchange equalization fund or certain other governmental agencies or financial companies.

Such authority of the Ministry of Strategy and Finance would not, however, be applicable to foreign investments made pursuant to the Foreign Investment Promotion Act of Korea.

Issuance of American Depositary Shares

In order for Woori Financial Group to issue shares represented by American depositary shares in an amount exceeding U.S.$30 million (aggregating any amount of foreign currency borrowings and securities offerings outside Korea during the one year period immediately preceding the date of the submission of a report to the Ministry of Strategy and Finance or a foreign exchange bank), Woori Financial Group is required to file a prior report of the issuance with the Ministry of Strategy and Finance through a foreign exchange bank. The Ministry of Strategy and Finance may at its discretion direct Woori Financial Group to take necessary measures to avoid exchange rate fluctuations in connection with the issuance of the American depositary shares. In addition, Woori Financial Group is also required to submit a report to the Ministry of Strategy and Finance upon receipt of the full proceeds from the issuance of the American depositary shares. No further Korean governmental approval is necessary for the initial issuance of the American depositary shares.

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difference between (i) the aggregate number of shares that Woori Financial Group has deposited or has consented to allow to be deposited for the issuance of American depositary shares (including deposits in connection with the initial issuance and all subsequent offerings of American depositary shares and stock dividends or other distributions related to these American depositary shares), and (ii) the number of shares on deposit with the depositary at the time of such proposed deposit. Woori Financial Group cannot give any assurance that it would grant further consent for the deposit of any additional shares. Therefore, a holder of American depositary shares who surrenders American depositary shares and withdraws shares may not be permitted subsequently to deposit such shares and obtain American depositary shares.

Reporting Requirements for Holders of Substantial Interests

Under the Financial Investment Services and Capital Markets Act, any person whose direct or beneficial ownership of Woori Financial Group’s shares with voting rights, equity-related debt securities, including convertible bonds, bonds with warrants, exchangeable bonds, certificates representing the rights to subscribe for common stock, derivatives-linked securities and depositary receipts for the aforementioned securities, which we refer to collectively as “equity securities,” together with the equity securities directly or beneficially owned by certain related persons or by any person acting in concert with the person, accounts for 5% or more of the total outstanding equity securities (including treasury shares) of Woori Financial Group is required to report the status and purpose (in terms of whether the purpose of the shareholding is to participate in the management of the issuer) of the holdings, the major terms and conditions of the agreements relating to the equity securities and other matters prescribed by the Presidential Decree under the Financial Investment Services and Capital Markets Act to the Financial Services Commission and the Korea Exchange within five business days after reaching the 5% ownership interest.

In addition, (A) any change in the number of the owned equity securities that is 1% or more of the total outstanding equity securities subsequent to the report or (B) any change in (i) the purpose of the shareholding or ownership of the equity securities, (ii) the major terms and conditions of the agreements relating to the equity securities owned (such as trust agreements and collateral agreements) to the extent the number of relevant equity securities is 1% or more of the total outstanding equity securities or (iii) the type of the ownership (direct ownership or holdings) to the extent the number of relevant equity securities is equal to or exceeds 1% of the total outstanding equity securities, subsequent to the report, must be reported to the Financial Services Commission and the Korea Exchange, provided that clauses (B)(ii) and (B)(iii) are only applicable to shareholders whose investment purpose is to participate in the management of Woori Financial Group. Changes set forth in clauses (A) and (B) above must be reported within five business days from the date of such change (or by the 10th day of the month following the month in which the change described in (A) above occurs, in the case of a person (other than certain professional investors prescribed by the Presidential Decree under the Financial Investment Services and Capital Markets Act) with no intent to seek management control).

Notwithstanding the foregoing, certain professional investors prescribed by the Presidential Decree of the Financial Investment Services and Capital Markets Act may report the 5% ownership status and the changes described in (A) above to the Financial Services Commission and the Korea Exchange by the 10th day of the month immediately following the end of the quarter in which such 5% ownership interest is reached or the change occurs.

When filing a report to the Financial Services Commission and the Korea Exchange in accordance with the reporting requirements described above, a copy of such report must also be sent to Woori Financial Group.

Violation of these reporting requirements may subject a person to sanctions, such as a prohibition on the exercise of voting rights with respect to the equity securities for which the reporting requirement was violated, or fines and/or imprisonment. Furthermore, the Financial Services Commission may order the disposal of the equity securities for which the reporting requirement was violated or may impose a monetary penalty.

 

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A person reporting to the Financial Services Commission and the Korea Exchange that its purpose of holding the equity securities is to participate in the management of Woori Financial Group is prohibited from acquiring additional equity securities of Woori Financial Group and exercising voting rights, during the period commencing from the date on which the event triggering the reporting requirement occurs and ending on the fifth day from the date on which the report is made.

In addition to the reporting requirements described above, any person whose direct or beneficial ownership of the voting shares of Woori Financial Group (whether in the form of common stock or American depositary shares) accounts for 10% or more of the total issued and outstanding voting shares, whom we refer to as a “major shareholder,” must file a report to the Securities and Futures Commission of Korea and to the Korea Exchange within five business days after the date on which the person reached such shareholding percentage. In addition, such person must file a report to the Securities and Futures Commission of Korea and to the Korea Exchange regarding any subsequent change in its shareholding. Such report on subsequent change in shareholding must be filed within five business days of the occurrence of any such change. Violation of these reporting requirements may subject a person to criminal sanctions such as fines and/or imprisonment.

Special Reporting Requirements for Companies Whose Securities are Listed on Foreign Exchanges

Under the Financial Services Commission regulations, (i) if a company listed on the Korea Exchange has reported to a foreign exchange material matters regarding management that has not been disclosed to the Korea Exchange pursuant to the laws of the jurisdiction in which the foreign exchange is located, it must submit to the Financial Services Commission and the Korea Exchange, a Korean translation of the material matters regarding management that have been reported to the foreign exchange, and (ii) if a company listed on the Korea Exchange has submitted business reports or similar documents to a foreign exchange, it must submit a Korean summary thereof to the Financial Services Commission and the Korea Exchange.

Restrictions Applicable to American Depositary Shares

No Korean governmental approval is necessary for the sale and purchase of American depositary shares in the secondary market outside Korea or for the withdrawal of shares underlying American depositary shares and the trading of those shares on the Korea Exchange, provided that a foreigner who intends to acquire such shares must register its identity with the Financial Supervisory Service as described in “—Restrictions Applicable to Shares” below. The acquisition of such shares by a foreigner must be reported immediately by the foreigner or his standing proxy in Korea to the governor of the Financial Supervisory Service.

Persons who have acquired shares as a result of the withdrawal of shares underlying the American depositary shares may exercise their preemptive rights for new shares, participate in free distributions and receive dividends on shares without any further governmental approval.

Restrictions Applicable to Shares

As a result of amendments to the Foreign Exchange Transaction Laws and Financial Services Commission regulations adopted in connection with the stock market opening from January 1992 and after that date (which we refer to collectively as the “Investment Rules”), foreigners may invest, with certain exceptions and subject to certain procedural requirements, in all shares of Korean companies, whether or not listed on the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange, unless prohibited by specific laws. Foreign investors may trade shares listed on the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange only through the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange, except in limited circumstances, including:

 

   

odd-lot trading of shares;

 

   

acquisition of shares (which we refer to as “converted shares”) by exercise of warrant, conversion right or exchange rights under bonds with warrants, convertible bonds or exchangeable bonds or withdrawal right under depositary receipts issued outside of Korea by a Korean company;

 

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acquisition of shares as a result of inheritance, donation, bequest or exercise of shareholders’ rights, including preemptive rights or rights to participate in free distributions and receive dividends;

 

   

over-the-counter transactions between foreigners of shares of a public service corporation for which the upper limit on aggregate ownership by foreigners, as explained below, has been reached or exceeded;

 

   

shares acquired by way of foreign direct investment and/or the disposal of such shares by the investor;

 

   

disposal of shares pursuant to the exercise of appraisal rights of dissenting shareholders;

 

   

disposal of shares in connection with a tender offer;

 

   

acquisition of shares by a foreign depositary in connection with the issuance of depositary receipts;

 

   

acquisition and disposal of shares through an overseas stock exchange if such shares are simultaneously listed on the KRX KOSPI Market or the KRX KOSDAQ Market the Korea Exchange and such overseas stock exchange; and

 

   

arm’s-length transactions between foreigners, if all of such foreigners belong to the investment group managed by the same person.

For over-the-counter transactions of shares between foreigners outside the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange for shares with respect to which the limit on aggregate foreign ownership has been reached or exceeded, a securities company licensed in Korea must act as an intermediary. Odd-lot trading of shares outside the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange must involve a licensed securities company in Korea as the other party. Foreign investors are prohibited from engaging in margin transactions where securities companies lend securities to foreign investors with respect to shares which are subject to a foreign ownership limit.

The Investment Rules require a foreign investor who wishes to invest in shares on the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange (including shares being issued or sold for initial listing on the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange) to register its identity with the Financial Supervisory Service prior to making any such investment or disposal unless it has previously registered. However, the registration requirement does not apply to foreign investors who (i) acquire converted shares by exercising rights attached to securities offered by Korean companies outside Korea (including upon exercise of rights attached to convertible bonds, bonds with warrants, exchangeable bonds, depositary receipts, distribution depository securities and any other similar securities or certificates) with the intention of selling such converted shares within three months from the date of acquisition of the converted shares or (ii) acquire or dispose of shares outside the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange in connection with a foreign direct investment under the Foreign Investment Promotion Act of Korea. Upon registration, the Financial Supervisory Service will issue to the foreign investor an investment registration certificate which must be presented each time the foreign investor opens a dealing account or a brokerage account with an investment dealer or an investment broker licensed in Korea. Foreigners eligible to obtain an investment registration certificate include foreign nationals who have not been residing in Korea for a consecutive period of six months or more, foreign governments, foreign municipal authorities, foreign public institutions, international financial institutions or similar international organizations, corporations incorporated under foreign laws and any person in any additional category designated by a decree promulgated under the Financial Investment Services and Capital Markets Act. The offices of a foreign corporation in Korea are not subject to investment registration and are treated as a Korean national separately from the offices of the corporation outside Korea for the purpose of investment registration. A foreign corporation or depositary issuing depositary receipts may obtain one or more investment registration certificates in its name in certain circumstances as described in the relevant regulations.

 

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Upon a purchase of shares through the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange by a foreign investor with a designated investment account at a foreign exchange bank in accordance with the Presidential Decree of the Financial Investment Services and Capital Markets Act and Investment Rules, no separate report by the investor is required because the investment registration certificate system is designed to control and oversee foreign investment through a computer system. However, a foreign investor’s acquisition or sale of shares outside the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange (as discussed above) must be reported by the foreign investor or his standing proxy to the Governor of the Financial Supervisory Service at the time of each such acquisition or sale; provided, however, that a foreign investor must ensure that any acquisition or sale by it of shares outside the KRX KOSPI Market or the KRX KOSDAQ Market of the Korea Exchange, in the case of trades in connection with a tender offer, odd-lot trading of shares, trades of shares of a public service corporation for which the aggregate foreign ownership limit has been reached or exceeded or any other case set forth in the Investment Rules, is reported to the Governor of the Financial Supervisory Service by the investment dealer or investment broker engaged to facilitate such transaction.

A foreign investor may appoint a standing proxy from among the Korea Securities Depository, foreign exchange banks (including domestic branches of foreign banks), investment dealers, investment brokers and collective investment companies (which we refer to as “financial investment firms”) (including domestic branches of foreign financial investment firms) and internationally recognized custodians which will act as a standing proxy to exercise shareholders’ rights or perform any matters related to the foregoing activities if the foreign investor does not perform these activities itself. Generally, a foreign investor may not permit any person, other than its standing proxy, to exercise rights relating to its shares or perform any tasks related thereto on its behalf. However, a foreign investor may be exempted from complying with these standing proxy rules with the approval of the Governor of the Financial Supervisory Service in cases deemed inevitable by reason of conflict between the laws of Korea and those of the home country of the foreign investor.

Certificates evidencing shares of a Korean company owned by a foreign investor must be kept in custody with an eligible custodian in Korea. Only foreign exchange banks (including domestic branches of foreign banks), financial investment firms (including domestic branches of foreign financial investment firms), the Korea Securities Depository and internationally recognized custodians are eligible to act as a custodian of shares for a foreign investor; provided, however, that a foreign investor may have the certificates evidencing shares released from such custody when it is necessary to exercise its rights to such shares or to inspect and confirm the presence of the certificates for such shares. The custodian of a foreign investor must deposit such foreign investor’s shares with the Korea Securities Depository. However, a foreign investor may be exempted from complying with this deposit requirement with the approval of the Governor of the Financial Supervisory Service in circumstances where compliance with that requirement is made impracticable, including cases where compliance would contravene the laws of the home country of such foreign investor.

Under the Investment Rules, with certain exceptions, foreign investors may own shares of a Korean company without being subject to any foreign investment ceiling. As one such exception, no person may hold for its own account shares issued by a designated public service corporation in excess of certain ceilings, regardless of the legal ownership of such shares. However, Woori Financial Group will not be such a designated public service corporation.

Furthermore, in the case of investments amounting to W100 million or more, (i) an investment by a foreign investor in 10% or more of the outstanding shares with voting rights of a Korean company or (ii) an acquisition of the right by a foreign investor holding shares of a Korean company to second or appoint directors or officers of such company constitutes a foreign direct investment for purposes of the Foreign Investment Promotion Act of Korea. Generally, under the Foreign Investment Promotion Act of Korea, a foreign direct investment must be reported to a foreign exchange bank or Korea Trade-Investment Promotion Agency designated by the Ministry of Trade, Industry and Energy prior to such investment (within 60 days after the date of such investment, if the investment is made by acquiring outstanding shares of a Korean company listed on the

 

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Korea Exchange). The acquisition of shares of a Korean company by a foreign investor may also be subject to certain foreign or other shareholding restrictions in the event that the restrictions are prescribed in a specific law that regulates the business of the Korean company. Changes in ownership of shares of a Korean company by a foreign direct investor, as well as changes in certain aspects of the foreign direct investment (including change in the foreign direct investor’s name, address or business), are subject to reporting requirements.

Under the Foreign Exchange Transaction Laws, a foreign investor who wishes to trade shares without obtaining separate governmental approvals or submitting separate reports to the Korean government must designate a foreign exchange bank and open a foreign currency account and a Won account with the bank exclusively for stock investments. No approval is required for remittance of foreign currency funds into Korea or for deposit of foreign currency funds in the foreign currency account. Foreign currency funds may be transferred from the foreign currency account to a Won account opened with an investment dealer or an investment broker at the time the foreign investor is required to place a deposit for, or settle the purchase price of, a stock purchase transaction. Funds in the foreign currency account may be remitted abroad without any governmental approval.

Dividends on shares of Korean companies are paid in Won. No governmental approval is required for foreign investors to receive dividends on, or the Won proceeds of the sale of, any shares to be paid, received and retained in Korea. Dividends paid on, and the Won proceeds of the sale of, any shares held by a non-resident of Korea may be deposited either in a Won account with the investor’s investment dealer or investment broker or its Won account with the foreign exchange bank. Funds in the investor’s Won account may be transferred to its foreign currency account or withdrawn for local living expenses, provided that any withdrawal of local living expenses in excess of a certain amount must be reported to the Governor of the Financial Supervisory Service by the foreign exchange bank at which the Won account is maintained. Funds in the Won account in Korea may also be used for future investment in shares or for payment of the subscription price of new shares acquired through the exercise of preemptive rights.

Investment dealers and investment brokers are allowed to open foreign currency accounts with foreign exchange banks exclusively for accommodating foreign investors’ stock investments in Korea. Through these accounts, investment dealers and investment brokers may enter into foreign exchange transactions on a limited basis, such as conversion of foreign currency funds and Won funds, either as a counterparty to or on behalf of foreign investors, without the investors having to open their own accounts with foreign exchange banks.

 

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MANAGEMENT OF WOORI FINANCIAL GROUP

Board of Directors of Woori Financial Group

Woori Financial Group’s board of directors, which will initially consist of        standing directors,        non-standing directors and        outside directors, will have the ultimate responsibility for the management of Woori Financial Group’s affairs.        of our directors and        of our executive officers have been nominated to become Woori Financial Group’s directors. Standing directors will be directors who are either full-time executive officers or standing Audit Committee members, while non-standing directors and outside directors will be directors who are not full-time executive officers. Outside directors must also satisfy certain requirements under Korean law and Woori Financial Group’s articles of incorporation to evidence their independence from Woori Financial Group.

Woori Financial Group’s proposed articles of incorporation provide that the board can have no more than 15 directors. There must be at least three outside directors and they must comprise a majority of the of directors. Each director may be elected for a term of office not exceeding three years and may be re-elected, provided that each outside director may be elected for a term of office not exceeding two years and may be re-elected on an annual basis but may not serve in such office for more than six consecutive years. In addition, with respect to all directors, such term of office will be extended until the close of the annual general meeting of shareholders convened in respect of the last fiscal year of the director’s term of office. These terms are subject to the Korean Commercial Code, the Bank Act and related regulations.

Pursuant to an agreement we entered into with the KDIC in December 2016, we are required to use our best efforts to cause an employee of the KDIC nominated by it to be appointed as our non-standing director, so long as the KDIC either (x) owns 10% or more of our total issued shares with voting rights or (y) owns more than 4% but less than 10% of our total issued shares with voting rights and remains our largest shareholder (other than the National Pension Service of Korea). See “Item 10.C. Material Contracts” of our Annual Report on Form 20-F for the year ended December 31, 2017, which is incorporated by reference into this prospectus. We currently expect that Woori Financial Group will succeed to this agreement.

We expect Woori Financial Group’s board of directors to meet regularly on a quarterly basis to discuss and resolve various corporate matters. The board may also convene for additional extraordinary meetings at the request of the president or chairman of the board. A director (other than the president or chairman of the board) may request the president or chairman of the board to convene an extraordinary meeting. In the event that the president or chairman of the board rejects such request without justifiable reason, another director may convene the extraordinary meeting.

At the extraordinary general meeting of our shareholders to approve the stock transfer plan, holders of our common stock will be voting on the election of the directors of Woori Financial Group nominated by us, as part of their vote on the stock transfer plan. The names and positions of the persons nominated to serve as Woori Financial Group’s directors are set forth below. The business address of all of the directors will be Woori Financial Group’s registered office.

Standing Directors

The persons nominated to serve as Woori Financial Group’s standing directors are as follows.

 

Name

   Age     

Expected Position at Woori Financial Group

     
     

We expect that none of the standing directors will have any significant activities outside Woori Financial Group.

 

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[Biographies of nominees to be inserted]

Non-Standing Directors

The persons nominated to serve as Woori Financial Group’s non-standing directors are as follows.

 

Name

   Age     

Expected Position at Woori Financial Group

     
     

[Biographies of nominees to be inserted]

Outside Directors

Pursuant to a commitment made by the KDIC in connection with the bidding process for the sale of a combined 29.7% ownership interest in us in December 2016 and January 2017, five of the seven winning bidders each nominated one person to become a new outside director, and each such nominee was elected as a new outside director at an extraordinary general meeting of our shareholders held in December 2016. See “Item 4.A. History and Development of the Company—Privatization Plan—Sales of the KDIC’s Ownership Interest” of our Annual Report on Form 20-F for the year ended December 31, 2017, which is incorporated by reference into this prospectus. We currently expect that this commitment will continue to apply to Woori Financial Group. The persons nominated to serve as Woori Financial Group’s outside directors are as follows.

 

Name

   Age     

Expected Position at Woori Financial Group

     
     

[Biographies of nominees to be inserted]

Any director wishing to enter into a transaction with Woori Financial Group in his or her personal capacity would be required to obtain the prior approval of the board of directors of Woori Financial Group. The director having an interest in the transaction may not vote at the meeting of the board of directors to approve the transaction.

Committees of the Board of Directors of Woori Financial Group

Upon completion of the stock transfer, we expect that the board of directors of Woori Financial Group will form five committees to serve under the board: the Committee for Recommending Executive Officer Candidates, the Audit Committee, the Board Risk Management Committee, the Compensation Committee and the Committee for Recommending Group Executive Officer Candidates. Each committee member will be appointed by the board of directors, except for members of the Audit Committee, who will be elected at the extraordinary general meeting of our shareholders.

Committee for Recommending Executive Officer Candidates

Expected to consist of        directors, at least two-thirds of whom will be outside directors, the function of the Committee for Recommending Executive Officer Candidates will be to oversee the selection of candidates for the president and chief executive officer, outside directors and Audit Committee members, among others. This committee is expected to hold meetings when such persons need to be appointed.

Audit Committee

Expected to consist of        directors, all of whom (other than the standing member) will be outside directors and at least one of whom will be an expert in accounting or finance, the Audit Committee will review

 

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all audit and compliance-related matters and make recommendations to the board of directors. The Audit Committee, whose members must meet certain qualifications as experts under the committee charter, is also expected to be responsible for the following:

 

   

formulating, executing, evaluating and managing internal audit plans (including the financial and operational audits);

 

   

approving the appointment and dismissal of the head of the audit team;

 

   

approving the appointment of external auditors and evaluating the activities carried out by external auditors;

 

   

formulating appropriate measures to correct problems identified from internal audits;

 

   

overseeing Woori Financial Group’s reporting systems in light of relevant disclosure rules and requirements to ensure compliance with applicable regulations; and

 

   

examining internal procedures or making decisions on material matters that are related to audits as determined by regulatory authorities, the board of directors or other committees.

This committee will also make recommendations on regulatory issues to the Financial Supervisory Service, if and when deemed necessary. In addition, in connection with general meetings of shareholders, the committee will examine the agenda for, and financial statements and other reports to be submitted by the board of directors to, each general meeting of shareholders. The internal and external auditors will report directly to the Audit Committee chairman. Woori Financial Group’s external auditor will be invited to attend meetings of this committee when needed or when matters pertaining to the audit are discussed.

The committee is expected to hold regular meetings every quarter or as necessary.

Board Risk Management Committee

Expected to consist of    directors, at least a majority of whom will be outside directors, the Risk Management Committee’s function will be to oversee and make determinations on all significant issues relating to Woori Financial Group’s risk management system. It is expected to implement policies regarding, monitor and have ultimate responsibility for managing credit, market and liquidity risk and asset and liability management. The major roles of the Board Risk Management Committee are expected to include:

 

   

determining and amending risk management policies, guidelines and limits in conformity with the strategy established by the board of directors;

 

   

determining the appropriate level of risks that Woori Financial Group should be willing to undertake, including in connection with key business activities such as acquisitions, investments or entering into new business areas, prior to a decision by the board of directors on such matters;

 

   

allocating risk capital and approving the risk limit requests of Woori Financial Group’s subsidiaries;

 

   

reviewing Woori Financial Group’s risk profile, including the level of risks it is exposed to and the status of its risk management operations; and

 

   

monitoring compliance with risk policies.

This committee is expected to hold regular meetings every quarter.

Compensation Committee

Expected to consist of        directors, at least a majority of whom will be outside directors, the Compensation Committee is expected to be responsible for all matters relating to the following:

 

   

evaluating management’s performance in developing Woori Financial Group’s business;

 

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setting goals and targets with respect to executive performance; and

 

   

fixing executive compensation, including incentives and bonuses.

This committee is expected to hold regular meetings every quarter.

Committee for Recommending Group Executive Officer Candidates

Expected to consist of        directors, at least a majority of whom will be outside directors, the function of the Committee for Recommending Group Executive Officer Candidates will be to oversee the selection of candidates for the chief executive officers of the subsidiaries of Woori Financial Group, among others. This committee is expected to hold meetings when such persons need to be appointed.

Executive Officers of Woori Financial Group

We expect that the executive officers of Woori Financial Group, other than those executive officers of Woori Financial Group who have been nominated to serve as standing directors, will be selected by us around or after the date of the extraordinary general meeting and appointed by the board of directors of Woori Financial Group. We expect that none of the executive officers will have any significant activities outside Woori Financial Group.

Compensation of Directors and Executive Officers

Woori Financial Group. As Woori Financial Group has not yet been formed, it has not paid any compensation to any person nominated to become a director or executive officer of Woori Financial Group. The form and amount of the compensation to be paid to each of Woori Financial Group’s directors and executive officers in any period following the completion of the stock transfer will be determined by the Compensation Committee of Woori Financial Group’s board of directors.

Woori Bank. Of the persons nominated to become directors of Woori Financial Group,        were our directors or executive officers during the year ended December 31, 2017. The aggregate of the remuneration and benefits-in-kind paid by us in 2017 to such persons was W            million. In 2017, we did not record additional provisions for severance and retirement benefits for such directors and executive officers.

Share Ownership

Common Stock. As of                                             , 2018, the persons who have been nominated to become directors of Woori Financial Group, as a group, held an aggregate of                shares of our common stock, representing        % of our outstanding common stock as of such date.

In connection with the stock transfer, holders of our common stock will receive one share of Woori Financial Group common stock for every share of our common stock they own. Accordingly, after the completion of the stock transfer, we expect that the persons nominated to become directors of Woori Financial Group, as a group, will hold an aggregate of                shares of Woori Financial Group common stock, representing        % of the outstanding Woori Financial Group common stock.

Stock Options. We do not have any stock options outstanding.

Related Party Transactions

As of December 31, 2015, 2016 and 2017, respectively, we had an aggregate of W                million, W                million and W                million of loans outstanding to persons who have been nominated to become

 

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directors of Woori Financial Group. All of these loans were made in the ordinary course of business, on substantially the same terms, including interest rate and collateral, as those prevailing at the time for comparable transactions with other persons and did not involve more than the normal risk of collectability or present other unfavorable features.

For further information regarding related party transactions involving our directors and executive officers, see “Item 7.B. Related Party Transactions” in our Annual Report on Form 20-F for the year ended December 31, 2017, which is incorporated by reference into this prospectus.

 

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LEGAL MATTERS

The validity of the common stock of Woori Financial Group that will be issued in the stock transfer will be passed on for us by Kim & Chang, our Korean counsel. Cleary Gottlieb Steen & Hamilton LLP, our special U.S. tax counsel, will pass on certain U.S. federal income tax consequences of the stock transfer to U.S. holders of our common stock or American depositary shares.

EXPERTS

The financial statements incorporated into this prospectus by reference from our Annual Report on Form 20-F for the year ended December 31, 2017, and the effectiveness of our internal control over financial reporting have been audited by Deloitte Anjin LLC, an independent registered public accounting firm, as stated in its reports, which are incorporated herein by reference. Such financial statements have been incorporated in reliance upon the reports of such firm, given upon their authority as experts in accounting and auditing.

 

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WOORI BANK AND SUBSIDIARIES

CONSOLIDATED INTERIM STATEMENTS OF FINANCIAL POSITION

AS OF JUNE 30, 2018 AND DECEMBER 31, 2017

 

     Korean Won     U.S. Dollars  
     December 31,
2017 (*)
    June 30,
2018 (*)
    June 30,
2018 (*)
 
     (in millions)     (in thousands)
(Note 2)
 

ASSETS

      

Cash and cash equivalents (Note 6)

     6,908,286       5,920,568       5,325,210  

Financial assets at fair value through profit or loss (“FVTPL”) (IFRS 9) (Notes 4, 7, 11, 12, 18 and 26)

     —         6,340,704       5,703,098  

Financial assets at FVTPL (IAS 39) (Notes 4, 7, 11, 12, 18 and 26)

     5,843,077       —         —    

Financial assets at FVTOCI (Notes 4, 8, 11, 12, and 18)

     —         14,644,608       13,171,981  

Available-for-sale (“AFS”) financial assets (Notes 4,8,11,12 and 18)

     15,352,950       —         —    

Securities at amortized cost (Notes 4, 9, 11, 12 and 18)

     —         17,702,129       15,922,044  

Held-to-maturity (“HTM”) financial assets (Notes 4, 9, 11, 12 and 18)

     16,749,296       —         —    

Loans and other financial assets at amortized cost (Notes 4, 10, 11, 12, 18 and 44)

     —         277,720,003       249,793,131  

Loans and receivables (Notes 4,10,11,12,18 and 44)

     267,106,204       —         —    

Investments in joint ventures and associates (Note 13)

     417,051       412,940       371,416  

Investment properties (Note 14)

     371,301       381,177       342,847  

Premises and equipment (Notes 15 and 18)

     2,477,545       2,450,754       2,204,312  

Intangible assets and goodwill (Note 16)

     518,599       653,514       587,798  

Assets held for sale (Note 17)

     48,624       18,705       16,824  

Current tax assets

     4,722       11,322       10,183  

Deferred tax assets

     280,130       89,711       80,690  

Derivative assets (Notes 4,11,12 and 26)

     59,272       12,395       11,149  

Other assets (Notes 19 and 44)

     158,404       202,800       182,406  
  

 

 

   

 

 

   

 

 

 

Total assets

     316,295,461       326,561,330       293,723,089  
  

 

 

   

 

 

   

 

 

 

LIABILITIES

      

Financial liabilities at FVTPL (IFRS 9) (Notes 4, 11, 12, 20 and 26)

     —         2,578,332       2,319,061  

Financial liabilities at FVTPL (IAS 39) (Notes 4, 11, 12, 20 and 26)

     3,427,909       —         —    

Deposits due to customers (Notes 4,11,21 and 44)

     234,695,084       237,900,166       213,977,483  

Borrowings (Notes 4, 11, 12 and 22)

     14,784,706       15,899,599       14,300,773  

Debentures (Notes 4, 11 and 22)

     27,869,651       26,752,725       24,062,534  

Provisions (Notes 23, 43 and 44)

     410,470       386,374       347,521  

Net defined benefit liability (Note 24)

     43,264       99,859       89,817  

Current tax liabilities

     232,600       154,202       138,696  

Deferred tax liabilities

     22,681       14,777       13,291  

Derivative liabilities (Notes 4,11,12 and 26)

     67,754       67,505       60,717  

Other financial liabilities (Notes 4,11,12, 25 and 44)

     13,892,461       21,408,267       19,255,502  

Other liabilities (Notes 25 and 44)

     283,981       302,913       272,453  
  

 

 

   

 

 

   

 

 

 

Total liabilities

     295,730,561       305,564,719       274,837,848  
  

 

 

   

 

 

   

 

 

 

EQUITY

      

Owners’ equity:

     20,365,892       20,790,188       18,699,575  

Capital stock (Note 28)

     3,381,392       3,381,392       3,041,367  

Hybrid securities (Note 29)

     3,017,888       2,763,256       2,485,389  

Capital surplus (Note 28)

     285,880       285,885       257,137  

Other equity (Note 30)

     (1,939,274     (2,113,798     (1,901,239

Retained earnings (Note 31)

     15,620,006       16,473,453       14,816,921  

Non-controlling interests

     199,008       206,423       185,666  
  

 

 

   

 

 

   

 

 

 

Total equity

     20,564,900       20,996,611       18,885,241  
  

 

 

   

 

 

   

 

 

 

Total liabilities and equity

     316,295,461       326,561,330       293,723,089  
  

 

 

   

 

 

   

 

 

 

The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.

See accompanying notes

 

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WOORI BANK AND SUBSIDIARIES

CONSOLIDATED INTERIM STATEMENTS OF COMPREHENSIVE INCOME

FOR THE THREE MONTHS AND SIX MONTHS ENDED JUNE 30, 2018 AND 2017

 

    Korean Won     U.S. Dollars  
    2017 (*)     2018 (*)     2018 (*)  
    Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
    Six months
ended June 30
 
    (in millions, except per share data)    

(in thousands,
except per
share data)

(Note 2)

 

Interest income

    2,105,808       4,189,584       2,368,669       4,643,416       4,176,485  

Financial assets at FVTPL (IFRS 9)

    —         —         13,367       28,537       25,667  

Financial assets at FVTOCI

    —         —         62,170       119,446       107,435  

Financial assets at amortized cost

    —         —         2,293,132       4,495,433       4,043,383  

Financial assets at FVTPL (IAS 39)

    13,074       26,806       —         —         —    

AFS financial assets

    67,667       144,067       —         —         —    

HTM financial assets

    74,690       149,673       —         —         —    

Loans and receivables

    1,950,377       3,869,038       —         —         —    

Interest expense

    (818,232     (1,639,264     (971,346     (1,878,942     (1,690,000
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net interest income (Notes 33 and 44)

    1,287,576       2,550,320       1,397,323       2,764,474       2,486,485  

Fees and commissions income

    506,281       1,013,893       555,400       1,113,006       1,001,084  

Fees and commissions expense

    (243,533     (476,193     (258,053     (510,351     (459,031
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net fees and commissions income (Notes 34 and 44)

    262,748       537,700       297,347       602,655       542,053  

Dividend Income (Note 35 and 44)

    19,617       59,445       14,151       49,704       44,706  

Net gain on financial instruments at FVTPL (IFRS 9) (Notes 11, 36 and 44)

    —         —         67,693       117,023       105,255  

Gain (loss) on financial instruments at FVTPL (IAS 39) (Notes 11, 36 and 44)

    12,066       (146,409     —         —         —    

Net gain on financial assets at FVTOCI (Notes 11 and 37)

    —         —         475       1,287       1,158  

Net gain on AFS financial assets (Notes 11 and 37)

    88,387       104,172       —         —         —    

Net gain arising on financial assets at amortized cost

    —         —         9,361       30,886       27,780  

Net gain on disposals of securities at amortized cost

    —         —         —         431       388  

Net gain on disposals of loans and other financial assets at amortized cost

    —         —         9,361       30,455       27,392  

Reversal of allowance for (Impairment losses due to) credit loss (Notes 38 and 44)

    (204,486     (283,763     150,673       28,438       25,578  

General and administrative expenses (Notes 39 and 44)

    (784,157     (1,538,427     (827,654     (1,567,338     (1,409,730

Other net operating income (expenses) (Notes 39 and 44)

    (77,267     201,190       (122,951     (219,414     (197,350
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating income

    604,484       1,484,228       986,418       1,807,715       1,625,935  

Share of profits (losses) of joint ventures and associates (Note 13)

    (14,863     (64,278     7,681       (1,462     (1,315

Net other non-operating income (expenses)

    11,697       9,998       1,398       (4,721     (4,246
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Non-operating income (expenses) (Note 40)

    (3,166     (54,280     9,079       (6,183     (5,561
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income before income tax expense

    601,318       1,429,948       995,497       1,801,532       1,620,374  

Income tax expense (Note 41)

    (135,034     (320,933     (273,701     (485,216     (436,424
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    466,284       1,109,015       721,796       1,316,316       1,183,950  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net gain on valuation of equity securities at FVTOCI

    —         —         2,490       31,428       28,268  

Net gain on valuation of financial liabilities designated as at FVTPL due to own credit risk

    —         —         40       130       117  

Items out of change in equity method securities due to change in equity of investee that will not be reclassified to profit or loss

    (41     (3,087     1,145       1,456       1,310  

Remeasurement gain (loss) related to defined benefit plan

    16,840       (9,677     (6,113     (59,573     (53,583
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Items that will not be reclassified to profit or loss

    16,799       (12,764     (2,438     (26,559     (23,888

(Continued)

 

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WOORI BANK AND SUBSIDIARIES

CONSOLIDATED INTERIM STATEMENTS OF COMPREHENSIVE INCOME

FOR THE THREE MONTHS AND SIX MONTHS ENDED JUNE 30, 2018 AND 2017

 

     Korean Won     U.S. Dollars  
     2017 (*)     2018 (*)     2018 (*)  
     Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
    Six months
ended June 30
 
     (Korean Won in millions, except per share data)    

(in thousands,
except per
share data)

(Note 2)

 

Net gain on valuation of debt securities at FVTOCI

     —         —         8,009       10,024       9,016  

Net loss on valuation of AFS financial assets

     (41,680     (28,706     —         —         —    

Share of other comprehensive gain (loss) of joint ventures and associates

     (156     4,594       955       (246     (221

Gain (loss) on foreign currency translation for foreign operations

     31,450       (69,010     37,268       35,526       31,954  

Net loss on valuation of cash flow hedge

     (673     (1,526     (2,787     (6,213     (5,588

Net loss on disposal of assets held for sale

     —         —         (4,709     (4,709     (4,236
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Items that may be reclassified to profit or loss

     (11,059     (94,648     38,736       34,382       30,925  

Other comprehensive income (loss), net of tax

     5,740       (107,412     36,298       7,823       7,037  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total comprehensive income

     472,024       1,001,603       758,094       1,324,139       1,190,987  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income attributable to:

          

Net income attributable to owners

     460,888       1,098,361       716,142       1,305,878       1,174,562  

Net income attributable to non-controlling interests

     5,396       10,654       5,654       10,438       9,388  

Total comprehensive income attributable to:

          

Comprehensive income attributable to owners

     464,129       995,742       751,528       1,315,322       1,183,056  

Comprehensive income attributable to non-controlling interests

     7,895       5,861       6,566       8,817       7,931  

Basic and diluted earnings per share (Note 42) (Unit: Korean Won and U.S. Dollar)

     623       1,497       1,008       1,828       1,644  

The consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.

See accompanying notes

 

A-4


Table of Contents

WOORI BANK AND SUBSIDIARIES

CONSOLIDATED INTERIM STATEMENTS OF CHANGES IN EQUITY

FOR THE SIX MONTHS ENDED JUNE 30, 2018 AND 2017

 

    Capital
Stock
    Hybrid
securities
    Capital
surplus
    Other
equity
    Retained
earnings
    Controlling
interests
    Non-
controlling
interests
    Total
equity
 
    (Korean Won in millions)  

January 1, 2017

    3,381,392       3,574,896       286,331       (1,468,025     14,611,566       20,386,160       159,793       20,545,953  

Net income

    —         —         —         —         1,098,361       1,098,361       10,654       1,109,015  

Dividends to common stocks

    —         —         —         —         (269,308     (269,308     (1,534     (270,842

Capital increase of subsidiaries

    —         —         (257     —         —         (257     —         (257

Gain on valuation of available-for-sale financial assets

    —         —         —         (29,033     —         (29,033     327       (28,706

Changes in equity of joint ventures and associates

    —         —         —         1,507       —         1,507       —         1,507  

Loss on foreign currency translation of foreign operations

    —         —         —         (63,944     —         (63,944     (5,066     (69,010

Loss on valuation of cash flow hedge

    —         —         —         (1,526     —         (1,526     —         (1,526

Remeasurement loss related to defined benefit plan

    —         —         —         (9,622     —         (9,622     (55     (9,677

Dividends to hybrid securities

    —         —         —         —         (90,823     (90,823     —         (90,823

Issuance of hybrid securities

    —         559,565       —         —         —         559,565       —         559,565  

Redemption of hybrid securities

    —         (1,116,573     —         (208,158     —         (1,324,731     —         (1,324,731
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

June 30, 2017 (*)

    3,381,392       3,017,888       286,074       (1,778,801     15,349,796       20,256,349       164,119       20,420,468  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    Capital
Stock
    Hybrid
securities
    Capital
surplus
    Other
equity
    Retained
earnings
    Controlling
interests
    Non-
controlling
interests
    Total
equity
 
    (Korean Won in millions)  

January 1, 2018

    3,381,392       3,017,888       285,880       (1,939,274     15,620,006       20,365,892       199,008       20,564,900  

Cumulative effect of change in accounting policy (Note 2)

    —         —         —         (392,176     177,091       (215,085     723       (214,362

Adjusted balance, beginning of period

    3,381,392       3,017,888       285,880       (2,331,450     15,797,097       20,150,807       199,731       20,350,538  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    —         —         —         —         1,305,878       1,305,878       10,438       1,316,316  

Dividends to common stocks

    —         —         —         —         (336,636     (336,636     (2,108     (338,744

Net gain on valuation of financial liabilities designated as at FVTPL due to own credit risk

    —         —         —         130       —         130       —         130  

Changes in other comprehensive income due to redemption of financial liabilities designated as at FVTPL

    —         —         —         (5     5       —         —         —    

Gain (loss) on valuation of financial assets at FVTOCI

    —         —         —         41,736       —         41,736       (284     41,452  

Changes in other comprehensive income due to disposal of equity securities at FVTOCI

    —         —         —         424       (424     —         —         —    

Change in equity method securities due to change in equity of investees’

    —         —         —         1,210       (8,706     (7,496     —         (7,496

Gain (loss) on foreign currency translation of foreign operations

    —         —         —         36,769       —         36,769       (1,243     35,526  

Loss on valuation of cash flow hedge

    —         —         —         (6,213     —         (6,213     —         (6,213

Remeasurement loss related to defined benefit plan

    —         —         —         (59,480     —         (59,480     (93     (59,573

Equity related to assets held for sale

    —         —         —         (4,709     —         (4,709     —         (4,709

Dividends to hybrid securities

    —         —         —         —         (75,603     (75,603     —         (75,603

Redemption of hybrid securities

    —         (254,632     —         (368     —         (255,000     —         (255,000

Appropriation of retained earnings

    —         —         —         208,158       (208,158     —         —         —    

Capital decrease of subsidiaries

    —         —         5       —         —         5       (18     (13
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

June 30, 2018 (*)

    3,381,392       2,763,256       285,885       (2,113,798     16,473,453       20,790,188       206,423       20,996,611  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

(Continued)

 

A-5


Table of Contents

WOORI BANK AND SUBSIDIARIES

CONSOLIDATED INTERIM STATEMENTS OF CHANGES IN EQUITY (CONTINUED)

FOR THE SIX MONTHS ENDED JUNE 30, 2018 AND 2017

 

    Capital
Stock
    Hybrid
securities
    Capital
surplus
    Other
equity
    Retained
earnings
    Controlling
interests
    Non-
controlling
interests
    Total
equity
 
    (U.S. Dollars in thousands)  

January 1, 2018

    3,041,367       2,714,416       257,133       (1,744,265     14,049,295       18,317,946       178,996       18,496,942  

Cumulative effect of change in accounting policy (Note 2)

    —         —         —         (352,740     159,283       (193,457     651       (192,806

Adjusted balance, beginning of period

    3,041,367       2,714,416       257,133       (2,097,005     14,208,578       18,124,489       179,647       18,304,136  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    —         —         —         —         1,174,562       1,174,562       9,388       1,183,950  

Dividends to common stocks

    —         —         —         —         (302,785     (302,785     (1,896     (304,681

Net gain on valuation of financial liabilities designated as at FVTPL due to own credit risk

    —         —         —         117       —         117       —         117  

Changes in other comprehensive income due to redemption of financial liabilities designated as at FVTPL

    —         —         —         (4     4       —         —         —    

Gain (loss) on valuation of financial assets at FVTOCI

    —         —         —         37,539       —         37,539       (255     37,284  

Changes in other comprehensive income due to disposal of equity securities at FVTOCI

    —         —         —         381       (381     —         —         —    

Change in equity method securities due to change in equity of investees’

    —         —         —         1,089       (7,831     (6,742     —         (6,742

Gain (loss) on foreign currency translation of foreign operations

    —         —         —         33,072       —         33,072       (1,118     31,954  

Loss on valuation of cash flow hedge

    —         —         —         (5,588     —         (5,588     —         (5,588

Remeasurement loss related to defined benefit plan

    —         —         —         (53,499     —         (53,499     (84     (53,583

Equity related to assets held for sale

    —         —         —         (4,236     —         (4,236     —         (4,236

Dividends to hybrid securities

    —         —         —         —         (68,000     (68,000     —         (68,000

Redemption of hybrid securities

    —         (229,027     —         (331     —         (229,358     —         (229,358

Appropriation of retained earnings

    —         —         —         187,226       (187,226     —         —         —    

Capital decrease of subsidiaries

    —         —         4       —         —         4       (16     (12
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

June 30, 2018 (*)

    3,041,367       2,485,389       257,137       (1,901,239     14,816,921       18,699,575       185,666       18,885,241  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

The consolidated interim statements of changes in equity for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of changes in equity for the six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.

See accompanying notes

 

A-6


Table of Contents

WOORI BANK AND SUBSIDIARIES

CONSOLIDATED INTERIM STATEMENTS OF CASH FLOWS

FOR THE SIX MONTHS ENDED JUNE 30, 2018 AND 2017

 

     Korean Won     U.S. Dollars  
     For the six months ended June 30  
     2017 (*)     2018 (*)     2018 (*)  
     (in millions)    

(in thousands)

(Note 2)

 

Cash flows from operating activities:

      

Net income

     1,109,015       1,316,316       1,183,950  

Adjustments to net income:

      

Income tax expense

     320,933       485,216       436,424  

Interest income

     (4,189,584     (4,643,416     (4,176,485

Interest expense

     1,639,264       1,878,942       1,690,000  

Dividend income

     (59,445     (49,704     (44,706
  

 

 

   

 

 

   

 

 

 
     (2,288,832     (2,328,962     (2,094,767
  

 

 

   

 

 

   

 

 

 

Additions of expenses not involving cash outflows:

      

Impairment losses due to credit loss

     283,763       —         —    

Share of losses of investments in joint ventures and associates

     67,594       16,809       15,119  

Loss on disposal of investments in joint ventures and associates

     27,730       2,931       2,636  

Loss on transaction and valuation of derivatives (hedging)

     31,131       62,366       56,095  

Loss on hedged items (fair value hedge)

     15,846       —         —    

Loss on provision

     35,665       38,553       34,676  

Retirement benefits

     71,902       71,631       64,428  

Depreciation and amortization

     121,361       126,886       114,127  

Loss on disposal of premises and equipment and other assets

     608       221       199  

Impairment loss on premises and equipment and other assets

     160       2       2  

Loss on financial assets at FVTOCI

     —         477       429  
  

 

 

   

 

 

   

 

 

 
     655,760       319,876       287,711  
  

 

 

   

 

 

   

 

 

 

Deductions of income not involving cash inflows:

      

Reversal of impairment losses due to credit loss

     —         28,438       25,578  

Gain on valuation of financial assets at FVTPL (IFRS 9)

     —         167,268       150,448  

Gain on valuation of financial instruments at FVTPL (IAS 39)

     7,859       —         —    

Gain on financial assets at FVTOCI

     —         1,764       1,587  

Gain on AFS financial assets

     104,172       —         —    

Gain on disposal of securities at amortized cost

     —         431       388  

Share of profits of investments in joint ventures and associates

     3,316       15,347       13,804  

Gain on disposal of investments in joint ventures and associates

     32,886       —         —    

Gain on transaction and valuation of derivatives (hedging)

     11,656       28,943       26,033  

Gain on hedged items (fair value hedge)

     11,860       66,555       59,862  

Gain on provisions

     1,285       1,220       1,097  

Gain on disposal of premises and equipment and other assets

     1,675       17,037       15,324  

Reversal of impairment loss on premises and equipment and other assets

     32       341       307  
  

 

 

   

 

 

   

 

 

 
     174,741       327,344       294,428  
  

 

 

   

 

 

   

 

 

 

Changes in operating assets and liabilities:

      

Financial assets at FVTPL (IFRS 9)

     —         440,367       396,085  

Financial assets at FVTPL (IAS 39)

     (187,086     —         —    

Loans and other financial assets at amortized cost

     —         (10,667,142     (9,594,479

Loans and receivables

     (7,908,486     —         —    

Other assets

     (995     85,119       76,560  

Deposits due to customers

     5,182,735       3,149,083       2,832,419  

Provisions

     (98,114     (26,838     (24,139

Net defined benefit liability

     (19,799     (97,206     (87,431

Other financial liabilities

     2,790,480       7,366,307       6,625,568  

Other liabilities

     (29,837     11,536       10,376  
  

 

 

   

 

 

   

 

 

 
     (271,102     261,226       234,959  
  

 

 

   

 

 

   

 

 

 

Cash received from (paid for) operating activities:

      

Interest income received

     4,281,385       4,609,449       4,145,934  

Interest expense paid

     (1,749,917     (1,776,933     (1,598,249

Dividends received

     62,014       49,917       44,897  

Income tax paid

     (236,246     (312,471     (281,050
  

 

 

   

 

 

   

 

 

 

Net cash provided by operating activities

     1,387,336       1,811,074       1,628,957  
  

 

 

   

 

 

   

 

 

 

(Continued)

 

A-7


Table of Contents

WOORI BANK AND SUBSIDIARIES

CONSOLIDATED INTERIM STATEMENTS OF CASH FLOWS

FOR THE SIX MONTHS ENDED JUNE 30, 2018 AND 2017 (CONTINUED)

 

     Korean Won     U.S. Dollars  
     For the six months ended June 30  
     2017 (*)     2018 (*)     2018 (*)  
     (Korean Won in millions)    

(in thousands)

(Note 2)

 

Cash flows from investing activities:

      

Cash in-flows from investing activities:

      

Disposal of financial assets at FVTPL (IFRS 9)

     —         5,316,190       4,781,606  

Disposal of financial assets at FVTOCI

     —         4,280,921       3,850,442  

Disposal of AFS financial assets

     13,312,489       —         —    

Redemption of securities at amortized cost

     —         4,873,896       4,383,788  

Redemption of HTM financial assets

     4,665,209       —         —    

Disposal of investments in joint ventures and associates

     62,974       3,855       3,467  

Disposal of investment properties

     162       2,076       1,867  

Disposal of premises and equipment

     1,042       119       107  

Disposal of intangible assets

     933       3,779       3,399  

Disposal of assets held for sale

     6,488       50,190       45,143  
  

 

 

   

 

 

   

 

 

 
     18,049,297       14,531,026       13,069,819  
  

 

 

   

 

 

   

 

 

 

Cash out-flows from investing activities:

      

Net cash in-flows of business combination

     —         71,559       64,363  

Acquisition of financial assets at FVTPL (IFRS 9)

     —         5,342,987       4,805,709  

Acquisition of financial assets at FVTOCI

     —         5,075,580       4,565,192  

Acquisition of AFS financial assets

     11,268,756       —         —    

Acquisition of securities at amortized cost

     —         5,829,462       5,243,265  

Acquisition of HTM financial assets

     5,945,147       —         —    

Acquisition of investments in joint ventures and associates

     13,485       20,048       18,032  

Acquisition of investment properties

     1,221       7,311       6,576  

Acquisition of premises and equipment

     68,596       42,695       38,402  

Acquisition of intangible assets

     97,977       107,344       96,550  
  

 

 

   

 

 

   

 

 

 
     17,395,182       16,496,986       14,838,089  
  

 

 

   

 

 

   

 

 

 

Net cash provided by (used in) investing activities

     654,115       (1,965,960     (1,768,270
  

 

 

   

 

 

   

 

 

 

Cash flows from financing activities:

      

Cash in-flows from financing activities:

      

Increase in borrowings

     4,349,952       4,972,075       4,472,095  

Issuance of debentures

     10,299,507       10,100,189       9,084,538  

Issuance of hybrid securities

     559,565       —         —    
  

 

 

   

 

 

   

 

 

 
     15,209,024       15,072,264       13,556,633  
  

 

 

   

 

 

   

 

 

 

Cash out-flows from financing activities:

      

Repayment of borrowings

     7,432,992       4,114,751       3,700,981  

Repayment of debentures

     8,223,263       11,441,709       10,291,158  

Payment of dividends

     269,308       336,636       302,785  

Dividends paid on hybrid securities

     100,627       75,683       68,071  

Redemption of hybrid securities

     1,323,400       255,000       229,358  

Dividends paid on non-controlling interests

     1,534       2,108       1,896  
  

 

 

   

 

 

   

 

 

 
     17,351,124       16,225,887       14,594,249  
  

 

 

   

 

 

   

 

 

 

Net cash used in financing activities

     (2,142,100     (1,153,623     (1,037,616
  

 

 

   

 

 

   

 

 

 

Net decrease in cash and cash equivalents

     (100,649     (1,308,509     (1,176,929

Cash and cash equivalents, beginning of the period

     7,591,324       6,908,286       6,213,605  

Effects of exchange rate changes on cash and cash equivalents

     (113,551     320,791       288,534  
  

 

 

   

 

 

   

 

 

 

Cash and cash equivalents, end of the period

     7,377,124       5,920,568       5,325,210  
  

 

 

   

 

 

   

 

 

 

The consolidated interim statements of cash flows for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of cash flows for the six months ended June 30, 2017 was not retrospectively restated to apply IFRS 9.

See accompanying notes

 

A-8


Table of Contents

WOORI BANK AND SUBSIDIARIES

NOTES TO CONSOLIDATED INTERIM FINANCIAL STATEMENTS

AS OF JUNE 30, 2018 AND FOR THE THREE MONTHS AND THE SIX MONTHS ENDED

JUNE 30, 2018 AND 2017

 

1.

GENERAL

 

(1)

Summary of the parent company

Woori Bank (hereinafter referred to the “Bank”), which is a controlling entity in accordance with International Financial Reporting Standards (“IFRS”) 10 – Consolidated Financial Statements, was established in 1899 and is engaged in the commercial banking business under the Banking Act, trust business and foreign exchange business under the Financial Investment Services and Capital Market Act.

Previously, Woori Finance Holdings Co., Ltd., the former holding company of Woori Financial Group, established on March 27, 2001 held a 100% ownership of the Bank. Effective November 1, 2014, Woori Finance Holdings Co., Ltd. completed its merger (the “Merger”) with and into the Bank. Accordingly, the shares of the Bank, 597 million shares, prior to the merger, were reduced to nil in accordance with capital reduction procedure, and then, in accordance with the merger ratio, the Bank newly issued 676 million shares. As a result, as of June 30, 2018, the common stock of the Bank amounts to 3,381,392 million Korean Won.

During the year ended December 31, 2016, the Korea Deposit Insurance Corporation (“KDIC”), the majority shareholder of the Bank, sold its 187 million shares in the Bank in accordance with the contract of “Disposal of Woori Bank’s shares to Oligopolistic Shareholders”. In addition to the sale, during the year ended December 31, 2017, KDIC sold additional 33 million shares. As of June 30, 2018 and December 31, 2017, KDIC held 125 million shares (18.43% ownership interest), of the Bank’s shares issued.

On June 24, 2002, Woori Finance Holdings Co., Ltd. listed its common shares on the Korea Exchange through public offering. In addition, on September 29, 2003, the holding company registered with the Securities and Exchange Commission in the United States of America and, on the same day, listed its American Depositary Shares on the New York Stock Exchange. As Woori Finance Holdings Co., Ltd. was merged into the Bank, the Bank, which is the existing company, succeeded such rights and obligations as a listed company on the Korea Exchange and the New York Stock Exchange.

As a result of such merger, the Bank incorporated Woori Card Co., Ltd., Woori Investment Bank Co., Ltd., Woori FIS Co., Ltd., Woori Private Equity Asset Management Co., Ltd., and Woori Finance Research Institute Co., Ltd. as its subsidiaries.

The headquarters of the Bank is located in 51, Sogong-ro, Jung Gu, Seoul, Korea. The Bank has 880 branches and offices in Korea, and 23 branches and offices overseas as of June 30, 2018.

 

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(2)

The consolidated financial statements for Woori Bank and its subsidiaries (the “Group”) include the following subsidiaries:

 

          Percentage of ownership
(%)
    Location     Financial
statements
as of
(2018)
 

Subsidiaries

  Main business     June 30,
2018
    December 31,
2017
 

Woori Bank:

         

Woori FIS Co., Ltd.

   

System software
development
& maintenance
 
 
 
    100.0       100.0       Korea       June 30  

Woori Private Equity Asset Management Co., Ltd.

    Finance       100.0       100.0       Korea       June 30  

Woori Finance Research Institute Co., Ltd.

   
Other service
business
 
 
    100.0       100.0       Korea       June 30  

Woori Card Co., Ltd.

    Finance       100.0       100.0       Korea       June 30  

Woori Investment Bank Co., Ltd.

   
Other credit
finance business
 
 
    59.8       59.8       Korea       June 30  

Woori Credit Information Co., Ltd.

    Credit information       100.0       100.0       Korea       June 30  

Woori America Bank

    Finance       100.0       100.0       U.S.A.       June 30  

Woori Global Markets Asia Limited

          100.0       100.0       Hong Kong       June 30  

Woori Bank China Limited

          100.0       100.0       China       June 30  

AO Woori Bank

          100.0       100.0       Russia       June 30  

PT Bank Woori Saudara Indonesia 1906 Tbk

          79.9       79.9       Indonesia       June 30  

Banco Woori Bank do Brasil S.A.

          100.0       100.0       Brazil       June 30  

Korea BTL Infrastructure Fund

          99.9       99.9       Korea       June 30  

Woori Fund Service Co., Ltd.

          100.0       100.0       Korea       June 30  

Woori Finance Cambodia PLC.

          100.0       100.0       Cambodia       June 30  

Woori Finance Myanmar Co., Ltd.

          100.0       100.0       Myanmar       June 30  

Wealth Development Bank

          51.0       51.0       Philippines       June 30  

Woori Bank Vietnam Limited

          100.0       100.0       Vietnam       June 30  

WB Finance Co., Ltd.

          100.0       —         Cambodia       June 30  

Kumho Trust First Co., Ltd. (*1)

    Asset securitization       0.0       0.0       Korea       June 30  

Asiana Saigon Inc. (*1)

          0.0       0.0       Korea       June 30  

Consus Eighth Co., LLC (*1)

          0.0       0.0       Korea       June 30  

KAMCO Value Recreation First Securitization Specialty Co., Ltd. (*1)

          15.0       15.0       Korea       June 30  

Hermes STX Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

BWL First Co., LLC (*1)

          0.0       0.0       Korea       June 30  

Deogi Dream Fourth Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Jeonju Iwon Ltd. (*1)

          0.0       0.0       Korea       June 30  

Wonju I one Inc. (*1)

          0.0       0.0       Korea       June 30  

Heitz Third Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woorihansoop 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Electric Cable First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori International First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori HJ First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori WEBST 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Wibihansoop 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

HNLD 1st Inc.(*4)

          —         0.0       Korea       —    

 

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        Percentage of ownership
(%)
    Location   Financial
statements
as of
(2018)
 

Subsidiaries

  Main business   June 30,
2018
    December 31,
2017
 

Uri QS 1st Co., Ltd. (*1)

      0.0       0.0     Korea     June 30  

Uri Display 1st Co., Ltd.(*1)

      0.0       0.0     Korea     June 30  

Tiger Eyes 2nd Co., Ltd.(*1)

      0.0       0.0     Korea     June 30  

Woori Serveone 1st Co., Ltd. (*1)

      0.0       0.0     Korea     June 30  

Uri Display 2nd Co.,Ltd. (*1)

      0.0       —       Korea     June 30  

Woori the Colony Unjung Securitization Specialty Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Woori Dream 1st Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Woori HS 1st Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Smart Casting Inc. (*1)

      0.0       —       Korea     June 30  

HeungkukWoori Tech Company Private Placement Investment Trust No. 1 and 6 beneficiary certificates (*2)

  Securities investment
and others
    —         —       Korea     June 30  

Principle Guaranteed Trust (*3)

  Trust     0.0       0.0     Korea     June 30  

Principle and Interest Guaranteed Trust (*3)

      0.0       0.0     Korea     June 30  

Woori Investment Bank:

         

Dongwoo First Securitization Specialty Co., Ltd. (*1)

  Asset securitization     5.0       5.0     Korea     June 30  

Seari First Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Namjong 1st Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Bukgeum First Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Seori Second Securitization Specialty Co., Ltd. (*1)

  Asset securitization     5.0       —       Korea     June 30  

Bukgeum Second Securitization Specialty Co., Ltd. (*1)

      5.0       —       Korea     June 30  

Woori Card Co., Ltd.:

         

TUTU Finance-WCI Myanmar Co., Ltd.

  Finance     100.0       100.0     Myanmar     June 30  

Woori Card one of 2017-1 Securitization Specialty Co., Ltd. (*1)

  Asset securitization     0.5       0.5     Korea     June 30  

Woori Card one of 2017-2 Securitization Specialty Co., Ltd. (*1)

      0.5       0.5     Korea     June 30  

 

(*1)

The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.

(*2)

The entity was a structured entity for the purpose of investment in securities and was in scope for consolidation, considering that the Group 1) had the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.

(*3)

The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power

 

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  over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.
(*4)

The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns.

 

(3)

As of June 30, 2018, and December 31, 2017, despite having more than 50% ownership interest, the Group has not consolidated the following companies as the Group does not have the ability to control following subsidiaries:

 

     As of June 30, 2018  

Subsidiaries

   Location    Main
Business
   Percentage of
ownership (%)
 

Golden Bridge NHN Online Private Equity Investment (*)

   Korea    Securities Investment      60.0  

Mirae Asset Maps Clean Water Private Equity Investment Trust 7th (*)

   Korea    Securities Investment      57.1  

Kiwoom Yonsei Private Equity Investment Trust (*)

   Korea    Securities Investment      88.3  

Hana Walmart Real Estate Investment Trust 41-1 (*)

   Korea    Securities Investment      77.0  

IGIS Global Private Placement Real Estate Fund No. 148-1 (*)

   Korea    Securities Investment      75.0  

IGIS Global Private Placement Real Estate Fund No. 148-2 (*)

   Korea    Securities Investment      75.0  

Mirae Asset Seoul Ring Expressway Private Special Asset Fund I (*)

   Korea    Securities Investment      66.2  

Hangkang Sewage Treatment Plant Fund (*)

   Korea    Securities Investment      55.6  

Consus KyungJu Green Private Placement Real Estate Fund 1st (*)

   Korea    Securities Investment      52.4  

 

(*)

The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.

 

     As of December 31, 2017  

Subsidiaries

   Location    Main
Business
   Percentage of
ownership (%)
 

Golden Bridge NHN Online Private Equity Investment (*)

   Korea    Securities Investment      60.0  

Mirae Asset Maps Clean Water Private Equity Investment Trust 7th (*)

   Korea    Securities Investment      59.7  

Kiwoom Yonsei Private Equity Investment Trust (*)

   Korea    Securities Investment      88.9  

Hana Walmart Real Estate Investment Trust 41-1 (*)

   Korea    Securities Investment      90.1  

IGIS Global Private Placement Real Estate Fund No. 148-1 (*)

   Korea    Securities Investment      75.0  

IGIS Global Private Placement Real Estate Fund No. 148-2 (*)

   Korea    Securities Investment      75.0  

 

(*)

The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.

 

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(4)

The summarized financial information before the elimination of intercompany transactions of the subsidiaries whose financial information was prepared under IFRS for the Group’s consolidated financial statements is as follows (Unit: Korean Won in millions):

 

     As of and for the six months ended June 30, 2018  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

Woori FIS Co., Ltd.

     80,851        55,312        138,088        (7,006     (7,040

Woori Private Equity Asset Management Co., Ltd.

     40,799        2,064        556        (1,493     (1,490

Woori Finance Research Institute Co., Ltd.

     4,314        615        2,776        258       258  

Woori Card Co., Ltd.

     9,100,890        7,462,577        944,657        67,618       62,866  

Woori Investment Bank Co., Ltd.

     2,723,251        2,418,664        109,428        14,722       14,878  

Woori Credit Information Co., Ltd.

     34,130        6,167        17,601        839       839  

Woori America Bank

     2,073,420        1,777,327        42,624        11,186       24,091  

Woori Global Markets Asia Limited

     406,684        287,622        7,302        2,156       7,298  

Woori Bank China Limited

     5,120,070        4,596,883        143,390        7,382       25,267  

AO Woori Bank

     277,555        224,860        8,778        2,570       200  

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,349,222        1,858,176        96,177        22,401       15,947  

Banco Woori Bank do Brasil S.A.

     155,083        125,288        7,341        882       (2,515

Korea BTL Infrastructure Fund

     777,576        297        14,704        12,865       12,865  

Woori Fund Service Co., Ltd.

     13,411        977        4,922        1,023       1,023  

Woori Finance Cambodia PLC.

     73,212        52,584        4,912        1,277       2,197  

Woori Finance Myanmar Co., Ltd.

     19,837        6,496        2,086        (187     412  

Wealth Development Bank

     185,866        152,414        6,240        (2     (788

Woori Bank Vietnam Limited

     1,142,018        990,228        23,746        3,545       8,822  

WB Finance Co., Ltd.

     227,582        186,772        —          —         —    

Money trust under the FISCM Act (*)

     1,573,367        1,543,491        24,029        (36     (36

Structured entity for the securitization of financial assets

     1,226,022        1,631,837        32,089        12,202       5,725  

Structured entity for the investments in securities

     41,221        40        785        (798     (1,869

 

(*)

FISCM Act: Financial Investment Services and Capital Markets Act

 

     As of and for the year ended December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

Woori FIS Co., Ltd.

     103,932        71,386        252,460        1,940       (2,963

Woori Private Equity Asset Management Co., Ltd.

     42,894        2,670        7,257        (4,114     (4,074

Woori Finance Research Institute Co., Ltd.

     3,790        350        4,733        83       64  

Woori Card Co., Ltd.

     8,605,993        6,973,705        1,771,157        101,214       107,321  

Woori Investment Bank Co., Ltd.

     1,880,157        1,588,610        183,376        20,023       20,210  

Woori Credit Information Co., Ltd.

     33,298        6,175        31,580        861       752  

Woori America Bank

     1,954,301        1,679,248        81,337        11,869       (16,833

Woori Global Markets Asia Limited

     290,226        178,343        11,345        1,922       (12,544

Woori Bank China Limited

     4,960,637        4,458,683        388,913        13,809       (15,252

AO Woori Bank

     201,704        149,101        15,656        4,748       1,217  

 

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     As of and for the year ended December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,230,617        1,745,171        192,485        38,488       (18,689

Banco Woori Bank do Brasil S.A.

     213,889        181,544        20,455        1,843       (2,840

Korea BTL Infrastructure Fund

     786,480        301        30,240        26,390       26,390  

Woori Fund Service Co., Ltd.

     12,653        1,242        9,021        1,398       1,398  

Woori Finance Cambodia PLC.

     51,304        32,873        5,895        983       (473

Woori Finance Myanmar Co., Ltd.

     18,236        5,307        2,506        791       15  

Wealth Development Bank

     191,049        156,808        13,632        1,323       (1,093

Woori Bank Vietnam Limited

     775,758        632,160        29,698        2,436       (15,347

Money trust under the FISCM Act (*)

     1,560,672        1,530,760        44,344        582       582  

Structured entity for the securitization of financial assets

     867,583        1,275,719        22,730        1,179       (2,800

Structured entity for the investments in securities

     34,939        76        377        (475     (38,592

 

(*)

FISCM Act: Financial Investment Services and Capital Markets Act

 

(5)

The financial support that the Group provides to consolidated structured entities is as follows:

 

  -

Structured entity for the securitization of financial assets

The structured entity is established for the purpose of securitization of project financing loans, corporate bonds, and other financial assets. The Group is involved with the structured entity through providing with credit facility over asset-backed commercial papers issued by the entity, originating loans directly to the structured entity, or purchasing 100% of the subordinated debts issued by the structured entity.

 

  -

Structured entity for the investments in securities

The structured entity is established for the purpose of investments in securities. The Group acquires beneficiary certificates through its contribution of fund to the structured entity, and it is exposed to the risk that it may not be able to recover its fund depending on the result of investment performance of asset managers of the structured entity.

 

  -

Money trust under the Financial Investment Services and Capital Markets Act

The Group provides with financial guarantee of principal and interest or principal only to some of its trust products. Due to the financial guarantees, the Group may be obliged to supplement when the principal and interest or principal of the trust product sold is short of the guaranteed amount depending on the result of investment performance of the trust product.

 

  -

The Group is providing purchase commitment and credit facilities to structured entities that are subsidiaries of the Group. Purchase commitments guarantee the purchase and payment of outstanding commercial papers that were issued but were not repurchased by the structured entities. Credit facilities allow lending of funds to structured entities under certain conditions when there are grounds for discontinuing the issuance of commercial papers, or when structured entities default due to some reasons.

As of June 30, 2018, the Group is providing credit facilities (including ABCP purchase commitments, etc.) amounting to 1,156,431 million Won to aforementioned structured entities.

 

(6)

The Group has entered into various agreements with structured entities such as asset securitization vehicles, structured finance and investment funds, and monetary funds. Where it is determined in accordance with IFRS 10 that the Group has no controlling power over such structured entities, the entities are not

 

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  consolidated. The nature of interests, which the Group retains, and the risks, to which the Group is exposed, of the unconsolidated structured entities are as follows:

The interests to unconsolidated structured entities, which the Group retains, are classified to asset securitization vehicles, structured finance and investment fund, based on the nature and the purpose of the structured entities.

Asset securitization vehicle issues asset-backed securities and redeems the principal and interest or distributes dividends on asset-backed securities with profits from collecting cash flows or sale of securitized assets. The Group, as a secondary guarantor, provides purchase commitments for its asset-backed securities or guarantees to such asset securitization vehicle and recognizes commission income or interest income related to the commitment or guarantees. Therefore, the Group would be exposed to risks to purchases or pays back asset-backed securities issued by the vehicles when a primary guarantor fails to provide the financing asset securitization vehicles.

Structured finance includes investments in project financing on real estates, social overhead capital (“SOC”), infrastructure and shipping finance. They are formed as special purpose entity by funding through equity investments and loans from various investors. Investment decisions are made by the Group based on business outlook of such projects. In relation to such investments, the Group recognizes interest income on loans, gains or losses on valuation of equity investments or dividend income. The structured finance is secured by additional funding agreement, guarantee or credit facilities. However, the structured financing project would fail to return the capital of equity investments or principal of loans to the Group if it is discontinued or did not achieve business outcome.

Investment funds include trusts and private equity funds. A trust is formed by contributions from various investors, operated by a manager engaged to the trust and distributed proceeds from sales of investments to the investors. A private equity fund is established in order to acquire ownership interests in a portfolio company with exit strategy after implementing financial and operational restructuring of the company. The Group recognizes unrealized gains or losses on change in value of investments in proposition of ownership interests in investments. The Group would be exposed to risks of loss when the value of portfolio investment is decreased.

Total assets of the unconsolidated structured entities, the carrying value of the related items recorded, the maximum exposure to risks, and the loss recognized in conjunction with the unconsolidated structured entities as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Asset
securitization
vehicle
     Structured
finance
     Investment
Funds
 

Total asset of the unconsolidated structured entities

     7,955,990        36,949,944        14,777,372  

Assets recognized in the consolidated financial statements related to the unconsolidated structured entities

     2,956,395        2,162,493        1,333,612  

Financial assets at FVTPL

     232,931        69,259        1,079,544  

Financial assets at FVTOCI

     499,861        49,538        —    

Financial assets at amortized cost

     2,223,211        2,039,184        10,697  

Investments in joint ventures and associates

     —          885        243,371  

Derivative assets

     392        3,627        —    

Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities

     1,442        1,587        81  

Derivative liabilities

     361        749        —    

Other liabilities (including provisions)

     1,081        838        81  

The maximum exposure to risks

     3,697,522        2,818,678        1,398,067  

Investments

     2,956,395        2,162,493        1,333,612  

Credit facilities

     741,127        656,185        64,455  

Loss recognized on unconsolidated structured entities

     158        8,757        9,110  

 

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     December 31, 2017  
     Asset
securitization
vehicle
     Structured
finance
     Investment
Funds
 

Total asset of the unconsolidated structured entities

     7,295,601        40,172,830        13,641,135  

Assets recognized in the consolidated financial statements related to the unconsolidated structured entities

     3,215,159        2,314,043        1,138,523  

Loans and receivables

     43,180        1,969,760        —    

Financial assets held for trading

     —          233,428        10,160  

AFS financial assets

     902,390        106,819        904,774  

HTM financial assets

     2,269,451        —          —    

Investments in joint ventures and associates

     —          —          223,589  

Derivative assets

     138        4,036        —    

Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities

     1,433        1,506        —    

Derivative liabilities

     575        968        —    

Other liabilities (including provisions)

     858        538        —    

The maximum exposure to risks

     4,032,531        2,918,448        1,138,523  

Investments

     3,215,159        2,314,043        1,138,523  

Credit facilities

     817,372        604,405        —    

Loss recognized on unconsolidated structured entities

     837        3,939        5,993  

 

(7)

Subsidiaries of which non-controlling interests are significant to the Group’s consolidated financial statements are as follows (Unit: Korean Won in millions):

 

  1)

Accumulated non-controlling interests at the end of the reporting period

 

     June 30, 2018      December 31, 2017  

Woori Investment Bank

     125,809        119,111  

PT Bank Woori Saudara Indonesia 1906 Tbk

     66,004        64,877  

Wealth Development Bank

     16,391        16,778  

 

  2)

Net income attributable to non-controlling interests

 

    For the six months ended
June 30, 2018
    For the six months ended
June 30, 2017
 

Woori Investment Bank

    5,912       5,072  

PT Bank Woori Saudara Indonesia 1906 Tbk

    4,508       5,048  

Wealth Development Bank

    (1     515  

 

  3)

Dividends to non-controlling interests

 

     For the six months ended
June 30, 2018
     For the six months ended
June 30, 2017
 

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,082        1,513  

 

2.

BASIS OF PREPARATION AND SIGNIFICANT ACCOUNTING POLICIES

Basis of presentation

The Group’s consolidated interim financial statements are prepared in accordance with International Financial Reporting Standards (“IFRS”) 34, Interim Financial Reporting and IFRS 10, Consolidated Financial Statements. It is necessary to use the annual consolidated financial statements for the year ended December 31, 2017 for understanding of the accompanying interim financial statements.

 

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Unless stated below, the accounting policies applied in preparing the accompanying consolidated interim financial statements have been applied consistently with the annual consolidated financial statements as of and for the year ended December 31, 2017.

 

(1)

The Group has newly adopted the following adoption of IFRS that affected the Group’s accounting policies:

 

  -

Adoption of IFRS 9 – Financial instruments (enacted)

The Group applied for the first time as of January 1, 2018, the adoption to IFRS 9 and other standards related to IFRS 9, which introduces new rules: 1) classification and measurement of financial assets and financial liabilities, 2) impairment of financial assets, and 3) hedge accounting.

The Group decided not to restate the prior period figures when applying the Standard for the first time, thus the comparative financial statements presented are not restated.

The main contents of the new accounting standard and the effect on the financial statements of the Group are as follows:

a) Classification and measurement of financial assets and financial liabilities

All financial assets included in the scope of IFRS 9 are subsequently measured at amortized cost or fair value based on the business model for the management of financial assets and the nature of the contractual cash flows.

Debt instruments that are held within a business model whose objective is to collect the contractual cash flows, and that have contractual cash flows that are solely payments of principal and interest on the principal outstanding are generally measured at amortized cost at the end of subsequent accounting periods (financial assets at amortized cost).

Debt instruments that are held within a business model whose objective is achieved both by collecting contractual cash flows and selling financial assets, and that have contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding, are generally measured at fair value through other comprehensive income (financial assets at fair value through other comprehensive income (“FVTOCI”)).

All other debt instruments and equity instruments are measured at their fair value at the end of subsequent accounting periods (financial assets at fair value through profit or loss (“FVTPL”)).

Notwithstanding the foregoing, the Group may make the following irrevocable choice or designation at the time of initial recognition of financial assets.

The Group may make an irrevocable election to present in other comprehensive income subsequent changes in the fair value of an investment in an equity instrument within the scope of this Standard that is neither held for trading nor contingent consideration recognized by an acquirer in a business combination to which IFRS 3(R) applies.

At initial recognition, financial assets at amortized cost or FVTOCI may be irrevocably designated as financial assets at fair value through profit or loss mandatorily measured at fair value if doing so eliminate or significantly reduce a measurement or recognition inconsistency.

As of the date of first adoption of IFRS 9, there are no debt instruments classified either as financial assets at amortized cost or FVTOCI that are designated as financial assets at fair value through profit or loss.

When debt instruments measured at FVTOCI are removed, the cumulative gain or loss recognized in other comprehensive income is reclassified from equity to profit or loss as a reclassification adjustment. On the other hand, for equity instruments designated as financial assets at fair value through other comprehensive income, cumulative gains or losses previously recognized in other comprehensive income are not subsequently reclassified to profit or loss. Debt instruments measured subsequently at amortized cost or fair value through other comprehensive income are subject to impairment provisions.

 

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The classification and measurement of financial assets and financial liabilities in accordance with IFRS 9 and IAS 39 as of January 1, 2018 are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassificati-
on
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    8,870,835       —         —         8,870,835  

Deposit

 

Financial assets at FVTPL

 

Financial assets at FVTPL

    25,972       —         —         25,972  

Debt securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    2,654,027       —         —         2,654,027  

Equity securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    47,304       —         —         47,304  

Derivatives

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    3,115,775       (2,137     —         3,113,638  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL(*)

    1,273,498       1,219       —         1,274,717  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    850,207       —         —         850,207  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL

    46,855       —         —         46,855  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    12,874,209       —         —         12,874,209  

Debt securities

 

Available-for-sale financial assets

 

Securities at amortized cost

    308,181       —         14,119       322,300  

Debt securities

 

Held to maturity financial assets

 

Securities at amortized cost

    16,749,296       —         —         16,749,296  

Loans

 

Loans and receivables

 

Financial assets at FVTPL (*)

    279,032       918       50       280,000  

Loans

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    253,014,491       —         —         253,014,491  

Derivatives

 

Derivatives

 

Derivatives

    59,272       —         —         59,272  

Other financial assets

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    6,772,088       —         —         6,772,088  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial assets

    306,941,042       —         14,169       306,955,211  
     

 

 

   

 

 

   

 

 

   

 

 

 

 

  (*)

Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.

 

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Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassifica-
tion
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit due to customers

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    25,964       —         —         25,964  

Deposit due to customers

 

Deposit due to customers

 

Financial liabilities at amortized cost

    234,695,084       —         —         234,695,084  

Borrowings

 

Borrowings

 

Financial liabilities at amortized cost

    14,784,706       —         —         14,784,706  

Debentures

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    91,739       —         —         91,739  

Debentures

 

Debentures

 

Financial liabilities at amortized cost

    27,869,651       —         —         27,869,651  

Equity-linked securities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    160,057       —         —         160,057  

Derivatives liabilities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    3,150,149       —         —         3,150,149  

Derivatives liabilities

 

Derivatives liabilities

 

Derivatives liabilities

    67,754       —         —         67,754  

Other financial liabilities

 

Other financial liabilities

 

Financial liabilities at amortized cost

    13,892,461       —         —         13,892,461  

Provision for financial guarantee

 

Provision for financial guarantee

 

Financial liabilities at amortized cost

    71,697       —         —         71,697  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial liabilities

    294,809,262       —         —         294,809,262  
     

 

 

   

 

 

   

 

 

   

 

 

 

At the date of the initial application of IFRS 9, there were no financial assets or liabilities measured at FVTPL that were reclassified to FVTOCI or amortized cost category.

As of the date of first adoption of IFRS 9, the amount of valuation gain or loss and the fair value of financial assets that would have been recognized in the book, had the entity decided not to reclassify financial assets at FVTPL or FVTOCI that has been reclassified into financial assets at amortized cost, are as follows: (Unit: Korean Won in millions)

 

Account subject

  

Category before the adoption of
IFRS 9

   Amount of valuation gain/loss had
it not been reclassified
    Fair value  

Debt securities

   AFS securities      (236     302,638  

b) Impairment of financial assets

The impairment model under IFRS 9 reflects expected credit losses, as opposed to incurred credit losses under IAS 39. Under the impairment approach in IFRS 9, it is no longer necessary for a credit event to have occurred before credit losses are recognized. Instead, the Group accounts for expected credit losses and changes in those expected credit losses. The amount of expected credit losses should be updated at each reporting date to reflect changes in credit risk since initial recognition.

The Group is required to recognize the expected credit losses for financial instruments measured at amortized cost or FVTOCI, and loan commitments and financial guarantee contracts that are subject to the impairment provisions of IFRS 9. In particular, when the credit risk of the financial instruments are significantly increased after initial recognition, or when the credit quality of the financial instruments are already impaired at acquisition, the loss allowance is measured as the expected credit loss for the whole life of the financial assets. If the credit risk of a financial instruments does not increase significantly after initial

 

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recognition (excluding POCI loans - for financial assets already impaired at initial recognition), the Group measures the loss allowance on the financial instruments at the amount equivalent to the expected 12-month credit loss.

Management determined the credit risk at the date of initial recognition of the financial instrument in accordance with IFRS 9 and provided a reasonable and supportive measure that can be used without undue cost or effort in comparison with the credit risk of the initial application date (January 1, 2018) the Group used information that could be used to assess the impairment of the Group’s financial assets, lending arrangements and financial guarantees at the date of initial application. As of January 1, 2018, the evaluation results are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

   Loss allowance
per IAS 39 (A)
     Loss allowance
per IFRS 9 (B)
     Increases
(B-A)
 

Deposit

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     2,458        3,092        634  

Debt securities

            

AFS debt securities

 

AFS financial assets

 

Financial assets at FVTOCI

     —          4,236        4,236  

HTM securities

 

HTM financial assets

 

Securities at amortized cost

     —          5,078        5,078  

Loans and other financial assets

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     1,827,785        2,076,873        249,088  

Payment guarantee

         183,247        192,924        9,677  

Loan commitment

         66,115        104,985        38,870  
      

 

 

    

 

 

    

 

 

 

Total

     2,079,605        2,387,188        307,583  
      

 

 

    

 

 

    

 

 

 

c) Classification and measurement of financial liabilities

One of the major changes related to the classification and measurement of financial liabilities as a result of the adoption of IFRS 9 is the change in the fair value of financial liabilities designated at fair value through profit or loss due to the changes in issuer’s own credit risk. The Group recognizes the effect of changes in the credit risk of financial liabilities designated as at FVTOCI in other comprehensive income, except for cases where it causes or disproves accounting mismatch of the profit or loss. Changes in fair value due to credit risk of financial liabilities are not subsequently reclassified to profit or loss, but are reclassified as retained earnings when financial liabilities are eliminated.

In accordance with IAS 39, the entire of changes in fair value of financial liabilities designated as at FVTPL are recognized in profit or loss. As of January 1, 2018, the Group designated 251,796 million Korean Won of FVTPL out of 294,813,795 million of financial liabilities, and recognized 133 million Korean Won as accumulated other comprehensive loss in relation to the changes in credit risk of financial liabilities.

d) Hedge accounting

The new hedge accounting model maintains three types of hedge accounting. However, it is introduced more flexibility in the types of transactions that are eligible for hedge accounting and is expanded the types of hedging instruments and non-financial hedge items that qualify for hedge accounting. As a whole, it has been amended and replaced by the principle of “economic relationship” between the hedged item and the hedging instrument. Retrospective assessment of the hedging effectiveness is no longer required. Additional disclosure requirements have been introduced in relation to the Group’s risk management activities.

 

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In accordance with the transitional provisions of IFRS 9 on hedge accounting, the Group adopted the hedge accounting provisions of IFRS 9 prospectively from January 1, 2018. As of the date of initial application, the Group has considered that the hedging relationship in accordance with IAS 39 is appropriate for hedge accounting under IFRS 9, thus the hedging relationship is considered to exist continually. Since the major conditions for hedging instruments and the hedged items are consistent, all hedging relationships are consistent with the effectiveness assessment requirements of IFRS 9. The Group has not designated a hedging relationship in accordance with IFRS 9 in which the hedge relationship would not have met the requirements for hedge accounting under IAS 39.

Consistent with prior periods, the Group continues to designate fair value changes in interest rate swaps as hedging instruments in the fair value hedge relationship.

e) Effect on equity as a result of adoption of IFRS 9

The effect on equity due to the adoption of IFRS 9 as of January 1, 2018 is as follows (Unit: Korean Won in millions):

 

  -

Impact on accumulated other comprehensive loss as result of financial assets at FVTOCI, etc.

 

     Amount  

Beginning balance (prior to IFRS 9)

     (89,723

Reclassification

     (392,177

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     494  

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     (152,124

Recognition of expected credit losses of debt securities at FVTOCI

     4,293  

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     (397,508

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     (133

Others

     3,005  

Income tax effect

     149,796  
  

 

 

 

Ending balance (based on IFRS 9)

     (481,900
  

 

 

 

 

  -

Retained earnings impact

 

     Amount  

Beginning balance (prior to IFRS 9)

     15,620,006  

Reclassification

     177,091  

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     (494

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     152,067  

Recognition of expected credit losses of debt instruments at FVTOCI

     (4,236

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     397,508  

Effect on revaluation of financial assets at amortized cost from loan and receivables or AFS financial assets

     282  

Recognition of expected credit losses of financial assets at amortized cost which were previously loan and receivables

     (240,683

Effect of payment guarantees / unused commitments on liabilities

     (48,548

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     133  

Others

     (4,456

Income tax effect

     (74,482
  

 

 

 

Ending balance (based on IFRS 9)

     15,797,097  
  

 

 

 

 

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  -

Adoption of IFRS 15 – Revenue from contracts with customers (enacted)

The Group adopted IFRS 15 for the first time and decided to retrospectively apply the cumulative effect of the first application of IFRS 15 as of January 1, 2018. In addition, the Standard has been retrospectively applied only to contracts that are not completed on the date of initial application, and all contractual changes made prior to the first application date are not rewritten.

In addition, the Group decided not to restate the prior periods when applying IFRS 15 for the first time. Accordingly, the Group has not retroactively restated the comparative consolidated financial statements presented herein.

 

  -

Amendments to IFRS 2 – Classification and Measurement of Share-based Payment Transactions

The amendments clarify the following; i) In estimating the fair value of a cash-settled share-based payment, the accounting for the effects of vesting and non-vesting conditions should follow the same approach as for equity-settled share-based payments ii) Where tax law or regulation requires an entity to withhold a specified number of equity instruments equal to the monetary value of the employee’s tax obligation to meet the employee’s tax liability which is then remitted to the tax authority, i.e. the share-based payment arrangement has a ‘net settlement feature’, such an arrangement should be classified as equity-settled in its entirety, provided that the share-based payment would have been classified as equity-settled had it not included the net settlement feature, iii) A modification of a share-based payment that changes the transaction from cash-settled to equity-settled should be accounted for as follows; a) the original liability is derecognized; b) the equity-settled share-based payment is recognized at the modification date fair value of the equity instrument granted to the extent that services have been rendered up to the modification date; and c) any difference between the carrying amount of the liability at the modification date and the amount recognized in equity should be recognized in profit or loss immediately.

 

  -

Amendments to IAS 40 – Transfers of Investment Property

The amendments clarify that a transfer to, or from, investment property necessitates an assessment of whether a property meets the definition of investment property, supported by observable evidence that a change in use has occurred. The amendments further clarify that the situations listed in IAS 40 are not exhaustive and that a change in use is possible for properties under construction (i.e. a change in use is not limited to completed properties).

 

  -

Amendments to IFRIC 22 – Foreign Currency Transactions and Advance Consideration

IFRIC 22 addresses how to determine the ‘date of transaction’ for the purpose of determining the exchange rate to use on initial recognition of an asset, expense or income (or part of them), when consideration for that item has been paid or received in advance in a foreign currency which resulted in the recognition of a non-monetary asset or non-monetary liability (e.g. a non-refundable deposit or deferred revenue).

The Interpretation specifies that the date of transaction is the date on which the entity initially recognizes the non-monetary asset or non-monetary liability arising from the payment or receipt of advance consideration. If there are multiple payments or receipts in advance, the Interpretation requires an entity to determine the date of transaction for each payment or receipt of advance consideration.

 

  -

Annual Improvements to IFRS 2014-2016 Cycle

The amendments include partial amendments to IFRS 1 ‘First-time Adoption of IFRS’ and IAS 28 ‘Investments in Associates and Joint Ventures.’ Amendments to IAS 28 provide that an investment company such as a venture capital investment vehicle may selectively designate each of its investment in associates and/or joint ventures to be measured at fair value through profit or loss mandatorily measured at fair value, and that such designation must be made at the time of each investment’s initial recognition. In addition, when non-investment companies apply equity method to investment in associates and/or joint ventures that are investment companies, these companies may apply the same fair value measurement used by the said associates to value their own subsidiaries. This accounting treatment may be selectively applied to each associate.

 

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There are no significant impacts on financial statements due to newly adopted accounting standards except for IFRS 9.

 

(2)

The Group has not applied the following IFRS that have been issued but are not yet effective:

 

  -

IFRS 16—Leases (enacted)

IFRS 16 introduces a comprehensive model for the identification of lease arrangements and accounting treatments for both lessors and lessees. IFRS 16 will supersede the current lease guidance including IAS 17 Leases and the related interpretations, and will be applied to periods beginning on or after January 1, 2019.

IFRS 16 distinguishes leases and service contracts on the basis of whether an identified asset is controlled by a customer. Distinctions of operating leases and finance leases are removed for lessee accounting, and is replaced by model where a right-of-use asset and corresponding liability have to be recognized for all leases by lessees except for short-term leases and leases of low value assets.

The right-of-use asset is initially measured at cost and subsequently measured at cost (subject to certain exceptions) less accumulated depreciation and impairment losses, adjusted for any remeasurement of the lease liability. The lease liability is initially measured at the present value of the lease payments that are not paid at that date. Subsequently, the lease liability is adjusted for interest and lease payments, as well as the impact of lease modifications, amongst others. Furthermore, the classification of cash flows will also be affected as operating lease payments under IAS 17 are presented as operating cash flows; whereas under the IFRS 16 model, the lease payments will be split into a principal and an interest portion which will be presented as financing and operating cash flows respectively.

In contrast to lessee accounting, IFRS 16 substantially carries forward the lessor accounting requirements in IAS 17, and continues to require a lessor to classify a lease either as an operating lease or a finance lease. Also, IFRS 16 requires expanded disclosures.

According to the preliminary assessment of the Group, the lease agreements entered into by the Group as of June 30, 2018 are expected to meet the definition of lease under the Standard, and accordingly, if the Group adopts the Standard, it applies to all leases except short-term leases and leases of low value assets, and the Group will recognize the right-of-use assets and related liabilities accordingly. The Group is currently analyzing the potential impact of this standards as of June 30, 2018.

 

3.

SIGNIFICANT ACCOUNTING ESTIMATES AND ASSUMPTIONS

In the application of the Group’s accounting policies to the interim financial statements, management is required to make judgments, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. Actual results can differ from those estimates based on such definitions.

The significant judgments which management has made about the application of the Group’s accounting policies and key sources of uncertainty in estimate do not differ from those used in preparing the consolidated financial statements for the year ended December 31, 2017, except the Group’s policy, accounting estimates and assumptions described below;

 

(1)

Income taxes

The Group is operating in numerous countries and the income generated from these operations is subject to income taxes based on tax laws and interpretations of tax authorities in numerous jurisdictions. There are many transactions and calculations which makes the ultimate tax determination uncertain. If certain portion of the taxable income is not used for investments, increase in wages, and others in accordance with the Tax System for Promotion of investment and Collaborative Cooperation (Recirculation of Corporate Income), the Group is liable to pay additional income tax calculated based on the tax laws. The new tax system is effective for three years from 2018. Accordingly, the measurement of current and deferred income tax is affected by the tax effects from

 

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the new system. As the Group’s income tax is dependent on the investments, increase in wages, and others, there exists uncertainty with regard to measuring the final tax effects.

 

(2)

Provisions for credit losses (allowances for loan losses, provisions for acceptances and guarantees, and unused loan commitments)

In accordance with IFRS 9, the Group tests impairment and recognizes allowances for losses on financial assets classified at amortized cost, and debt instruments measured at fair value through other comprehensive income and lease receivables through impairment testing and recognizes provisions for guarantees, and unused loan commitments. Accuracy of provisions for credit losses is dependent upon estimation of expected cash flows of the borrower for individually assessed allowances of loans, and upon assumptions and methodology used for collectively assessed allowances for the Group’s of loans, guarantees and unused loan commitments.

 

4.

RISK MANAGEMENT

The Group’s operating activity is exposed to various financial risks. The Group is required to analyze and assess the level of complex risks, and determine the permissible level of risks and manage such risks. The Group’s risk management procedures have been established to improve the quality of assets for holding or investment purposes by making decisions as how to avoid or mitigate risks through the identification of the source of the potential risks and their impact.

The Group has established an approach to manage the acceptable level of risks and reduce the excessive risks in financial instruments in order to maximize the profit given risks present, for which the Group has implemented processes for risk identification, assessment, control, and monitoring and reporting.

The risk is managed by the risk management department in accordance with the Group’s risk management policy. The Risk Management Committee makes decisions on the risk strategies such as the allocation of risk capital and the establishment of acceptable level of risk.

 

(1)

Credit risk

Credit risk represents the possibility of financial losses incurred when the counterparty fails to fulfill its contractual obligations. The goal of credit risk management is to maintain the Group’s credit risk exposure to a permissible degree and to optimize its rate of return considering such credit risk.

 

  1)

Credit risk management

The Group considers the probability of failure in performing the obligation of its counterparties, credit exposure to the counterparty, the related default risk and the rate of default loss. The Group uses the credit rating model to assess the possibility of counterparty’s default risk; and when assessing the obligor’s credit grade, the Group utilizes credit grades derived using statistical methods.

In order to manage credit risk limit, the Group establishes the appropriate credit line per obligor, company or industry. It monitors obligor’s credit line, total exposures and loan portfolios when approving the loan.

The Group mitigates credit risk resulting from the obligor’s credit condition by using financial and physical collateral, guarantees, netting agreements and credit derivatives. The Group has adopted the entrapment method to mitigate its credit risk. Credit risk mitigation is reflected in qualifying financial collateral, trade receivables, guarantees, residential and commercial real estate and other collaterals. The Group regularly performs a revaluation of collateral reflecting such credit risk mitigation.

 

  2)

Maximum exposure to credit risk

The Group’s maximum exposure to credit risk refers to net book value of financial assets net of allowances, which shows the uncertainties of maximum changes of net value of financial assets attributable to a

 

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particular risk without considering collateral and other credit enhancements obtained. However, the maximum exposure is the fair value amount (recorded on the books) for derivatives, maximum contractual obligation for payment guarantees and unused commitment.

The maximum exposure to credit risk is as follows (Unit: Korean Won in millions):

 

          June 30, 2018      December 31, 2017  

Loans and other financial assets at amortized cost

   Korean treasury and government agencies      17,912,135        —    
  

Banks

     21,942,788        —    
  

Corporates

     92,333,155        —    
  

Consumers

     145,531,925        —    
     

 

 

    

 

 

 
  

Subtotal

     277,720,003        —    
     

 

 

    

 

 

 

Loans and receivables

   Korean treasury and government agencies      —          8,823,584  
  

Banks

     —          26,845,309  
  

Corporates

     —          90,570,551  
  

Consumers

     —          140,866,760  
     

 

 

    

 

 

 
  

Subtotal

     —          267,106,204  
     

 

 

    

 

 

 

Financial assets at FVTPL (IFRS 9)

   Deposit      24,921        —    
  

Debt securities

     1,993,851        —    
  

Loans and receivables

     336,967        —    
  

Derivative assets

     2,391,211        —    
     

 

 

    

 

 

 
  

Subtotal

     4,746,950        —    
     

 

 

    

 

 

 

Financial assets at FVTPL (IAS 39)

   Deposit      —          25,972  
  

Debt securities

     —          2,644,333  
  

Financial assets designated at FVTPL

     —          9,694  
  

Derivative assets

     —          3,115,775  
     

 

 

    

 

 

 
  

Subtotal

     —          5,795,774  
     

 

 

    

 

 

 

Financial assets at FVTOCI

   Debt securities      13,738,829        —    

AFS financial assets

   Debt securities      —          13,229,244  

Securities at amortized cost

   Debt securities      17,702,129        —    

HTM financial assets

   Debt securities      —          16,749,296  

Derivative assets

   Derivative assets (hedging)      12,395        59,272  

Off-balance accounts

   Guarantees      12,372,573        12,859,715  
   Loan commitments      98,251,006        80,760,325  
     

 

 

    

 

 

 
  

Subtotal

     110,623,579        93,620,040  
     

 

 

    

 

 

 
  

total

     424,543,885        396,559,830  
     

 

 

    

 

 

 

 

A-25


Table of Contents
  a)

Credit risk exposure by geographical areas

The following tables analyze credit risk exposure by geographical areas (Unit: Korean Won in millions):

 

    June 30, 2018  
    Korea     China     USA     UK     Japan     Others (*)     Total  

Loans and other financial assets at amortized cost

    258,023,468       4,589,930       4,514,541       1,268,461       400,907       8,922,696       277,720,003  

Securities at amortized cost

    17,531,402       —         64,856       —         —         105,871       17,702,129  

Financial assets at FVTPL

    4,493,256       6,077       —         147,242       —         100,375       4,746,950  

Financial assets at FVTOCI

    12,749,695       50,874       43,352       78,485       2,274       814,149       13,738,829  

Derivative assets

    7,450       —         —         4,945       —         —         12,395  

Off-balance accounts

    108,052,029       928,841       175,050       70,503       31,216       1,365,940       110,623,579  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    400,857,300       5,575,722       4,797,799       1,569,636       434,397       11,309,031       424,543,885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

    December 31, 2017  
    Korea     China     USA     UK     Japan     Others (*)     Total  

Loans and receivables

    250,678,479       4,104,912       2,823,247       1,094,988       381,890       8,022,688       267,106,204  

Financial assets at FVTPL

    5,551,870       2,937       —         148,955       —         92,012       5,795,774  

AFS debt securities

    12,407,602       52,259       151,131       —         —         618,252       13,229,244  

HTM securities

    16,606,692       —         63,732       —         —         78,872       16,749,296  

Derivative assets

    16,590       —         —         42,682       —         —         59,272  

Off-balance accounts

    91,603,852       529,193       172,570       66,974       25,039       1,222,412       93,620,040  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    376,865,085       4,689,301       3,210,680       1,353,599       406,929       10,034,236       396,559,830  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Others consist of financial assets in Indonesia, Hong Kong, Singapore, and other countries.

 

  b)

Credit risk exposure by industries

The following tables analyze credit risk exposure by industries, which are service, manufacturing, finance and insurance, construction, individuals and others in accordance with the Korea Standard Industrial Classification Code (Unit: Korean Won in millions):

 

    June 30, 2018  
    Service     Manufacturing     Finance and
insurance
    Construction     Individuals     Others     Total  

Loans and other financial assets at amortized cost

    48,025,922       35,583,702       42,207,115       3,657,220       138,906,711       9,339,333       277,720,003  

Securities at amortized cost

    1,142,178       —         11,516,407       313,936       —         4,729,608       17,702,129  

Financial assets at FVTPL

    97,529       166,054       3,404,674       43,899       3,019       1,031,775       4,746,950  

Financial assets at FVTOCI

    434,389       54,445       9,020,012       214,549       —         4,015,434       13,738,829  

Derivative assets

    —         —         12,395       —         —         —         12,395  

Off-balance accounts

    18,236,857       22,675,034       9,503,718       4,052,757       49,105,163       7,050,050       110,623,579  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    67,936,875       58,479,235       75,664,321       8,282,361       188,014,893       26,166,200       424,543,885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

A-26


Table of Contents
    December 31, 2017  
    Service     Manufacturing     Finance and
insurance
    Construction     Individuals     Others     Total  

Loans and receivables

    47,192,641       34,502,509       38,260,051       3,574,746       133,094,287       10,481,970       267,106,204  

Financial assets at FVTPL

    100,766       83,239       4,640,068       15,073       1,040       955,588       5,795,774  

AFS debt securities

    707,737       37,719       7,331,774       153,534       —         4,998,480       13,229,244  

HTM securities

    1,348,754       —         10,962,149       296,214       —         4,142,179       16,749,296  

Derivative assets

    —         —         59,272       —         —         —         59,272  

Off-balance accounts

    16,892,926       21,427,378       9,841,379       3,842,479       36,928,554       4,687,324       93,620,040  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    66,242,824       56,050,845       71,094,693       7,882,046       170,023,881       25,265,541       396,559,830  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

  3)

Credit risk exposure

The allowance to be recognized under IFRS 9 is the amount of expected 12-month credit loss or the expected lifetime credit loss, according to the three stages of credit risk deterioration since initial recognition as shown below:

 

     Stage 1      Stage 2    Stage 3
   Credit risk has not significantly
increased since initial recognition (*)
     Credit risk has
significantly increased
since initial
recognition
   Credit has been
impaired

Allowance for expected credit losses

     Expected 12-month credit losses:      Expected lifetime credit losses:
    


Expected credit losses due to
possible defaults on financial
instruments within a 12-month
period from the reporting date.
 
 
 
 
  

Expected credit losses from all possible defaults during the expected lifetime of the financial instruments.

 

(*)

Credit risk may be considered to not have been significantly increased when credit risk is low at the reporting date.

The Group has estimated the allowance for credit losses based on experience losses with taken account of forward-looking information.

The probability of default and loss at given default per financial assets considering account type of borrowers, credit rate grade, portfolio are used in estimation of allowance for expected credit losses and those factors are reviewed periodically to reduce the difference of expected losses and actual losses.

The Group also measures expected credit losses using supportive and reasonable macroeconomic indicators, such as economic growth rates, interest rates, and composite stock indices. The methods for the estimation of forward-looking are also regularly reviewed.

The Group undertakes the following procedures in order to predict and apply the forward-looking economic information:

- Development of a prediction model by analyzing the correlation between macroeconomic data and yearly default rate of corporate and retail exposures.

- Calculation of predicted annual default rate by applying forward-looking economic information, which includes estimated macroeconomic indices provided by verified institutions such as Bank of Korea and National Assembly Budget Office, to the prediction model developed.

- If the predicted default rate is above the applicable default rate of the current period, application of the increase in default rate as a form of adjustment coefficient to the forward-looking economic information, thereby adjusting the current period estimation.

 

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Table of Contents

At the end of each period the Group evaluates whether there has been a significant increase in the credit risk since initial recognition. The Group is assessing the change in the risk of a default occurring over the expected life of the financial instruments instead of the change in the amount of expected credit losses. The Group distinguishes corporates/consumers exposures when determining significant increase in credit risk, and the applied methodology is as follows:

 

Corporates exposure

  

Consumers exposure

Under precautionary in assets quality

More than 30 days past due

Watch grade in early warning system

Significant change of borrower financial situation (Working capital deficiencies, Adverse opinion, Disclaimer of opinion)

Significant decreases in credit ratings

  

Under precautionary in assets quality

More than 30 days past due

Significant decreases in credit ratings

At the end of each reporting period, the Group assesses whether there is a significant increase in credit risk at the end of the reporting period compared to its initial recognition. The Group uses credit ratings, asset soundness, early warning systems, and delinquency days to determine whether the credit risk has significantly increased.

The financial assets are impaired if the following conditions are met;

- The principal and interest of the loan has been overdue for more than 90 days due to the serious deterioration of the credit condition,

- It is deemed that the borrowers will not pay any portion of the debts without actions of recourse such as the disposition of the collateral is not taken

- Objective evidence of impairment of financial assets are identified

The Group writes off assets when it is determined that the receivables are virtually impossible to collect. The Group determines which receivable to write-off and subsequently writes them off in accordance with the company’s policy. Regardless of whether assets have been written off, the Group may continue to exercise its right of collection in accordance with company’s policy on receivables collection.

 

  a)

Financial assets

The maximum exposure to credit risk, except for financial assets at FVTPL and derivative asset is as follows (Unit: Korean Won in millions):

 

    June 30, 2018  
    Stage 1     Stage 2     Stage 3     Total     Loss
allowance
    Total, net     Collateral
value of
damaged
property
 
    Above
appropriate
credit rating
(*1)
    Less than a
limited
credit rating
(*2)
    Above
appropriate
credit
rating (*1)
    Less than a
limited credit
rating
(*2)
 

Loans and other financial assets at amortized cost

    246,719,865       18,794,529       6,195,331       5,772,369       2,068,664       279,550,758       (1,830,755     277,720,003       789,660  

Korean treasury and government agencies

    17,916,231       —         —         —         —         17,916,231       (4,096     17,912,135       —    

Banks

    21,599,560       83,471       269,742       —         10,905       21,963,678       (20,890     21,942,788       —    

Corporates

    72,113,414       15,745,380       582,857       3,618,576       1,482,948       93,543,175       (1,210,020     92,333,155       555,228  

General business

    42,620,870       6,674,237       510,663       1,681,120       1,231,634       52,718,524       (843,365     51,875,159       405,304  

Small- and medium-sized enterprise

    25,012,286       8,491,759       72,194       1,766,232       222,804       35,565,275       (327,323     35,237,952       130,181  

Project financing and others

    4,480,258       579,384       —         171,224       28,510       5,259,376       (39,332     5,220,044       19,743  

 

A-28


Table of Contents
    June 30, 2018  
    Stage 1     Stage 2     Stage 3     Total     Loss
allowance
    Total, net     Collateral
value of
damaged
property
 
    Above
appropriate
credit rating
(*1)
    Less than a
limited
credit rating
(*2)
    Above
appropriate
credit
rating (*1)
    Less than a
limited credit
rating
(*2)
 

Consumers

    135,090,660       2,965,678       5,342,732       2,153,793       574,811       146,127,674       (595,749     145,531,925       234,432  

Securities at amortized cost

    17,707,379       —         —         —         —         17,707,379       (5,250     17,702,129       —    

Financial assets at FVTOCI (*3)

    13,675,528       48,126       15,175       —         —         13,738,829       (4,670     13,738,829       —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    278,102,772       18,842,655       6,210,506       5,772,369       2,068,664       310,996,966       (1,840,675     309,160,961       789,660  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.

(*2)

Credit grade of corporates are BBB- ~ C, and consumers are grades 7 ~ 10.

(*3)

Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease.

 

  -

Loans and receivables

 

    December 31, 2017  
              Corporates              
  Korean
treasury and
government
agencies
    Banks     General
business
    Small and
medium sized
enterprise
    Project
financing
and others
    Subtotal     Consumers     Total  

Loans and receivables neither overdue nor impaired

    8,825,767       26,861,286       50,463,112       34,107,547       5,547,950       90,118,609       139,886,407       265,692,069  

Loans and receivables overdue but not impaired

    8       —         65,616       63,067       —         128,683       878,406       1,007,097  

Impaired loans and receivables

    —         —         1,402,131       251,431       46,717       1,700,279       537,001       2,237,280  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    8,825,775       26,861,286       51,930,859       34,422,045       5,594,667       91,947,571       141,301,814       268,936,446  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for credit losses

    2,191       15,977       1,078,733       267,162       31,125       1,377,020       435,054       1,830,242  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total, net

    8,823,584       26,845,309       50,852,126       34,154,883       5,563,542       90,570,551       140,866,760       267,106,204  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

  -

Debt securities

The Group manages debt securities based on the external credit rating. Credit soundness of debt securities on the basis of External Credit Assessment Institution (ECAI)’s rating is as follows (Unit: Korean Won in millions):

 

     December 31, 2017  
     Financial assets at
FVTPL (*)
     AFS debt
securities
     HTM securities      Total  

AAA

     1,685,099        9,897,689        15,806,327        27,389,115  

AA- ~ AA+

     722,923        2,386,567        888,547        3,998,037  

BBB- ~ A+

     236,311        876,482        52,188        1,164,981  

Below BBB-

     9,694        68,506        2,234        80,434  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,654,027        13,229,244        16,749,296        32,632,567  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Financial assets at FVTPL comprise debt securities held for trading and financial assets designated at FVTPL

 

A-29


Table of Contents
  b)

Guarantees and loan commitments

The credit quality of the guarantees and loan commitments as of June 30, 2018 as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Financial assets

   Stage 1      Stage 2      Stage 3      Total  
   Above
appropriate
credit rating
(*1)
     Less than a
limited
credit rating
(*2)
     Above
appropriate
credit rating
(*1)
     Less than a
limited
credit rating
(*2)
 

Off-balance accounts Guarantees

     10,684,154        1,104,097        12,464        390,253        181,605        12,372,573  

Loan commitments

     92,335,107        3,717,790        1,455,884        740,283        1,942        98,251,006  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     103,019,261        4,821,887        1,468,348        1,130,536        183,547        110,623,579  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.

(*2)

Credit grade of corporate are BBB- ~ C, and consumers are grades 7 ~ 10.

4) Collateral and other credit enhancements

There have been no significant changes in the value of collateral or other credit enhancements held by the Group during the current quarter, changes in collateral or other credit enhancements due to changes in the collateral policy of the Group. As of June 30, 2018, there are no financial assets that do not recognize the allowance for losses due to collateral.

 

  (2)

Market risk

Market risk is the possible risk of loss arising from trading activities and non-trading activities in the volatility of market factors such as interest rates, stock prices and foreign exchange rates. Market risk occurs as a result of changes in the interest rates and foreign exchange rates for financial instruments that are not yet settled, and all contracts are exposed to a certain level of volatility according to changes in the interest rates, credit spreads, foreign exchange rates and the price of equity securities.

1) Market risk management

For trading activities and non-trading activities, the Group avoids, bears, or mitigates risks by identifying the underlying source of the risks, measuring parameters and evaluating their appropriateness.

On a yearly basis, the Risk Management Committee establishes a Value at Risk (“VaR”, maximum losses) limit, loss limit and risk capital limit by subsidiaries for its management purposes. The limit by investment desk/dealer is independently managed to the extent of the limit given to subsidiaries and the limit by investment and loss cut is managed by the risk management personnel within the department.

The Group uses both a standard-based and an internal model-based approach to measure market risk. The standard-based approach is used to calculate individual market risk of owned capital while the internal model-based approach is used to calculate general capital market risk and it is used to measure internal risk management measure. For the trading activities, the Risk Management department measures the VaR limit by department, risk factor and loss limit on a daily basis and reports regularly to the Risk Management Committee.

2) Sensitivity analysis of market risk

The Group performs the sensitivity analyses both for trading and for non-trading activities.

For trading activities, the Group uses a VaR model that uses certain assumptions of possible fluctuations in market condition and, by conducting simulations of gains and losses, under which the model estimates the maximum losses that may occur. A VaR model predicts based on statistics of possible losses on the

 

A-30


Table of Contents

portfolio at a certain period currently or in the future. It indicates the maximum expected loss with at least 99% confidence level. In short, there exists a one percent possibility that the actual loss might exceed the predicted loss generated from the VaR calculation. The actual results are periodically monitored to examine the validity of the assumptions, variables, and factors that are used in VaR calculations. However, this approach cannot prevent the loss when the market fluctuation exceeds expectation.

For the non-trading activities, interest rate Earning at Risk (“EaR”) and interest rate VaR, which is based on the simulations of the Net Interest Income (“NII”) and Net Portfolio Value (“NPV”), are calculated for the Bank and the consolidated trusts, and the risks for all other subsidiaries are measured and managed by the interest rate EaR and the interest rate VaR calculations based on the Bank for International Settlements (“BIS”) Framework.

NII is a profit-based indicator for displaying the profit changes in short term due to the short-term interest changes. It will be estimated as subtracting interest expenses of liabilities from the interest income of assets. NPV is an indicator for displaying risks in economic view according to unfavorable changes related to interest rate. It will be estimated as subtracting the present value of liabilities from the present value of assets.

EaR shows the maximum profit-loss amount, which indicates the maximum deduction amount caused by the unfavorable changes related to the interest rate of a certain period (i.e. 1 year). Interest rate VaR shows the potential maximum loss generated by the unfavorable changes during a certain period of time in the present or future.

 

  a)

Trading activities

The minimum, maximum and average VaR for the six months ended June 30, 2018 and for the year ended December 31, 2017, respectively, and the VaR as of June 30, 2018 and December 31, 2017, respectively, are as follows (Unit: Korean Won in millions):

 

    As of
June 30,
2018
    For the six months ended
June 30, 2018
    As of
December 31,
2017
    For the year ended
December 31, 2017
 

Risk factor

  Average     Maximum     Minimum     Average     Maximum     Minimum  

Interest rate

    2,179       3,787       4,992       1,730       4,183       3,799       4,918       2,467  

Stock price

    2,872       2,524       4,618       1,138       909       2,863       4,419       909  

Foreign currencies

    4,224       4,853       6,136       3,695       4,750       5,051       6,636       4,061  

Commodity price

    2       1       4       —         —         31       188       —    

Diversification

    (4,095     (4,745     (7,136     (1,749     (4,472     (4,621     (6,798     (2,067
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total VaR(*)

    5,182       6,420       8,614       4,814       5,370       7,123       9,363       5,370  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

VaR : Maximum losses

 

  b)

Non-trading activities

The NII and NPV are calculated for the assets and liabilities owned by the Bank and consolidated trusts, respectively, by using the simulation method. The scenario responding to interest rate (“IR”) changes are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  
   NII(*1)      NPV(*2)      NII(*1)      NPV(*2)  

Base case

     4,497,407        23,856,916        4,916,138        23,472,792  

Base case (Prepay)

     4,491,363        23,546,002        4,916,015        23,163,942  

IR 100bp up

     5,022,303        23,803,250        5,361,546        22,886,122  

IR 100bp down

     4,051,601        23,933,844        4,386,437        24,127,559  

IR 200bp up

     5,992,145        23,766,488        5,806,723        22,372,208  

IR 200bp down

     3,672,050        24,043,703        3,452,590        24,830,482  

IR 300bp up

     6,848,435        23,742,304        6,251,897        21,929,189  

IR 300bp down

     3,527,210        24,201,770        2,254,609        26,633,807  

 

(*1)

NII: Net Interest Income

(*2)

NPV: Net Portfolio Value

 

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Table of Contents

The interest EaR and VaR calculated based on the BIS Framework of subsidiaries other than the Bank and consolidated trusts are as follows (Unit: Korean Won in millions):

 

June 30, 2018

 

December 31, 2017

EaR (*1)

 

VaR (*2)

 

EaR (*1)

 

VaR (*2)

209,621   148,818   255,679   130,821

 

(*1)

EaR: Earning at Risk

(*2)

VaR: Value at Risk

The Group estimates and manages risks related to changes in interest rate due to the difference in the maturities of interest-bearing assets and liabilities and discrepancies in the terms of interest rates. Cash flows (both principal and interest) from non-trading, interest bearing assets and liabilities, presented by each re-pricing date, are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Asset:

                    

Loans and other financial assets at amortized cost

     148,324,408        41,273,662        9,372,945        8,650,081        47,212,644        4,314,787        259,148,527  

Financial assets at FVTOCI

     6,771,707        3,243,204        1,902,718        1,637,346        5,246,163        180,998        18,982,136  

Securities at amortized cost

     2,350,831        1,983,421        1,725,286        2,005,103        9,955,809        350,744        18,371,194  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     157,446,946        46,500,287        13,000,949        12,292,530        62,414,616        4,846,529        296,501,857  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Liability:

                    

Deposits due to customers

     101,367,145        48,458,377        29,955,015        19,029,698        38,912,199        296,042        238,018,476  

Borrowings

     9,390,749        2,020,828        859,698        513,068        2,823,334        523,418        16,131,095  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,625,611        2,727,547        28,724,866  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     111,737,115        52,280,354        32,998,172        21,950,645        60,361,144        3,547,007        282,874,437  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Asset:

                    

Loans and receivables

     161,653,892        41,671,530        7,614,159        6,411,841        54,150,998        26,272,958        297,775,378  

AFS financial assets

     2,150,708        2,500,103        2,016,711        2,367,762        4,229,000        601,735        13,866,019  

HTM financial assets

     2,286,179        2,161,467        1,433,425        1,687,362        9,369,794        345,868        17,284,095  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     166,090,779        46,333,100        11,064,295        10,466,965        67,749,792        27,220,561        328,925,492  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Liability:

                    

Deposits due to customers

     106,815,564        37,750,367        25,117,556        27,585,458        37,518,878        91,246        234,879,069  

Borrowings

     9,865,249        1,056,579        412,966        437,431        2,709,010        479,827        14,961,062  

Debentures

     1,955,902        2,452,240        1,018,563        1,752,847        19,770,538        2,869,766        29,819,856  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     118,636,715        41,259,186        26,549,085        29,775,736        59,998,426        3,440,839        279,659,987  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

  3)

Currency risk

Currency risk arises from the financial instruments denominated in foreign currencies other than the functional currency. Therefore, no currency risk arises from non-monetary items or financial instruments denominated in the functional currency.

 

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Table of Contents

Financial instruments in foreign currencies exposed to currency risk are as follows (Unit: USD in millions, JPY in millions, CNY in millions, EUR in millions, and Korean Won in millions):

 

    June 30, 2018  
        USD     JPY     CNY     EUR     Others     Total  
        Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Korean
Won
equivalent
    Korean
Won
equivalent
 

Asset

 

Loans and other financial assets at amortized cost

    24,664       27,694,163       135,138       1,371,362       31,972       5,416,294       1,172       1,520,044       4,472,890       40,474,753  
 

Financial assets at FVTPL

    84       94,261       359       3,645       —         —         36       46,488       75,122       219,516  
 

Financial assets at FVTOCI

    1,726       1,936,385       —         —         300       50,874       —         —         338,214       2,325,473  
 

Securities at amortized cost

    115       129,245       —         —         —         —         —         —         105,949       235,194  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    26,589       29,854,054       135,497       1,375,007       32,272       5,467,168       1,208       1,566,532       4,992,175       43,254,936  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Liability

 

Financial liabilities at FVTPL

    63       70,963       505       5,127       —         —         33       43,070       102,226       221,386  
 

Deposits due to customer

    11,160       12,517,349       145,058       1,472,035       21,633       3,664,842       1,230       1,595,651       2,700,164       21,950,041  
 

Borrowings

    6,417       7,201,536       2,211       22,438       —         —         232       303,001       476,871       8,003,846  
 

Debentures

    3,708       4,159,175       —         —         —         —         —         —         284,293       4,443,468  
 

Other financial liabilities

    3,240       3,633,942       23,541       238,890       5,568       943,321       140       182,002       4,602       5,002,757  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    24,588       27,582,965       171,315       1,738,490       27,201       4,608,163       1,635       2,123,724       3,568,156       39,621,498  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Off-balance accounts

    6,374       7,149,273       32,887       333,730       4,804       813,812       453       587,615       827,004       9,711,434  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    December 31, 2017  
        USD     JPY     CNY     EUR     Others     Total  
        Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Korean
Won
equivalent
    Korean
Won
equivalent
 

Asset

 

Loans and receivables

    23,000       24,642,900       126,944       1,204,843       25,224       4,127,936       1,156       1,479,351       3,937,733       35,392,763  
 

Financial assets at FVTPL

    32       34,303       25       238       —         —         27       34,583       104,892       174,016  
 

AFS financial assets

    1,966       2,105,972       —         —         319       52,259       —         590       302,801       2,461,622  
 

HTM financial assets

    111       118,868       —         —         —         —         —         —         78,175       197,043  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    25,109       26,902,043       126,969       1,205,081       25,543       4,180,195       1,183       1,514,524       4,423,601       38,225,444  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Liability

 

Financial liabilities at FVTPL

    41       43,423       79       752       —         —         19       24,878       69,977       139,030  
 

Deposits due to customer

    13,744       14,725,686       195,176       1,852,440       21,865       3,578,142       883       1,129,802       2,396,826       23,682,896  
 

Borrowings

    6,604       7,080,118       2,218       21,056       —         —         247       315,685       242,874       7,659,733  
 

Debentures

    3,467       3,714,411       —         —         700       114,555       —         —         375,749       4,204,715  
 

Other financial liabilities

    2,392       2,562,740       16,125       153,043       1,802       294,950       129       165,189       588,625       3,764,547  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    26,248       28,126,378       213,598       2,027,291       24,367       3,987,647       1,278       1,635,554       3,674,051       39,450,921  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Off-balance accounts

    8,108       8,687,009       33,624       319,127       1,199       196,261       406       519,843       176,886       9,899,126  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

A-33


Table of Contents
(3)

Liquidity risk

Liquidity risk refers to the risk that the Group may encounter difficulties in meeting obligations from its financial liabilities.

 

  1)

Liquidity risk management

Liquidity risk management is to prevent potential cash shortages as a result of mismatching the use of funds (assets) and sources of funds (liabilities) or unexpected cash outflows. The financial liabilities that are relevant to liquidity risk are incorporated within the scope of risk management. Derivatives instruments are excluded from those financial liabilities as they reflect expected cash flows for a pre-determined period.

Assets and liabilities are grouped by account under Asset Liability Management (“ALM”) in accordance with the characteristics of the account. The Group manages liquidity risk by identifying the maturity gap and such gap ratio through various cash flows analysis (i.e. based on remaining maturity and contract period, etc.), while maintaining the gap ratio at or below the target limit.

 

  2)

Maturity analysis of non-derivative financial liabilities

 

  a)

Cash flows of principals and interests by remaining contractual maturities of non-derivative financial liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over
5 years
     Total  

Financial liabilities at FVTPL

     176,097        —          —          —          —          —          176,097  

Deposits due to customers

     145,033,422        38,505,386        22,976,591        24,574,059        7,487,432        2,144,802        240,721,692  

Borrowings

     6,407,137        2,639,064        1,876,893        1,478,115        3,238,353        545,403        16,184,965  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,626,696        2,726,462        28,724,866  

Other financial liabilities

     14,098,508        216,627        3,644        908        621,127        1,955,992        16,896,806  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     166,694,385        43,162,226        27,040,587        28,460,961        29,973,608        7,372,659        302,704,426  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over
5 years
     Total  

Financial liabilities at FVTPL

     168,442        155,984        1,717        512        375        —          327,030  

Deposits due to customers

     148,008,777        29,563,310        18,175,348        32,468,110        7,409,118        2,624,594        238,249,257  

Borrowings

     6,115,732        1,893,173        1,489,272        1,178,107        3,924,681        479,568        15,080,533  

Debentures

     1,955,255        2,452,565        1,018,714        1,744,731        19,770,380        2,869,699        29,811,344  

Other financial liabilities

     7,121,342        162,871        825        1,003        128,940        2,730,001        10,144,982  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     163,369,548        34,227,903        20,685,876        35,392,463        31,233,494        8,703,862        293,613,146  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

  b)

Cash flows of principals and interests by expected maturities of non-derivative financial liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Financial liabilities at FVTPL

     176,097        —          —          —          —          —          176,097  

Deposits due to customers

     154,934,637        40,340,567        20,220,152        18,154,029        6,115,894        348,774        240,114,053  

Borrowings

     6,407,137        2,639,064        1,876,893        1,478,115        3,242,839        540,917        16,184,965  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,626,696        2,726,462        28,724,866  

Other financial liabilities

     14,098,508        216,627        3,644        908        621,127        1,955,992        16,896,806  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     176,595,600        44,997,407        24,284,148        22,040,931        28,606,556        5,572,145        302,096,787  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

A-34


Table of Contents
     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Financial liabilities at FVTPL

     168,442        155,984        1,717        512        375        —          327,030  

Deposits due to customers

     159,146,602        31,298,562        16,667,130        21,995,294        6,487,047        2,278,756        237,873,391  

Borrowings

     6,115,732        1,893,173        1,489,272        1,178,107        3,924,681        479,568        15,080,533  

Debentures

     1,955,255        2,452,565        1,018,714        1,744,731        19,770,380        2,869,699        29,811,344  

Other financial liabilities

     7,121,342        162,871        825        1,003        128,940        2,730,001        10,144,982  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     174,507,373        35,963,155        19,177,658        24,919,647        30,311,423        8,358,024        293,237,280  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

  3)

Maturity analysis of derivative financial liabilities

Derivatives held for trading purpose are not managed in accordance with their contractual maturity, since the Group holds such financial instruments with the purpose of disposing or redemption before their maturity. As such, those derivatives are incorporated as “within 3 months” in the table below.

Derivatives held for hedging purpose are estimated by offsetting cash inflows and cash outflows.

The cash flow by the maturity of derivative financial liabilities as of June 30, 2018 and December 31, 2017 is as follows (Unit: Korean Won in millions):

 

     Remaining maturity  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

June 30, 2018

     2,377,750        2,130        —          —          59,820        5,555        2,445,255  

December 31, 2017

     3,150,149        —          —          381        67,373        —          3,217,903  

 

  4)

Maturity analysis of off-balance accounts

The Group provides guarantees on behalf of customers. A financial guarantee represents an irrevocable undertaking that the Group should meet a customer’s obligations to third parties if the customer fails to do so. Under a loan commitment, the Group agrees to make funds available to a customer in the future. Loan commitments that are usually for a specified term may persist or may be unconditionally cancellable, provided all conditions in the loan facility are satisfied or waived. Commitments to lend include commercial standby facilities and credit lines, liquidity facilities to commercial paper conduits and utilized overdraft facilities. The maximum limit to be paid by the Group in accordance with guarantees and loan commitment only applies to principal amounts. There are contractual maturities for financial guarantees, such as guarantees for debentures issued or loans, loan commitments, and other guarantees, however, under the terms of the guarantees and loan commitments, funds should be paid upon demand from the counterparty. Details of off-balance accounts are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Guarantees

     12,372,573        12,859,715  

Loan commitments

     98,251,005        80,760,325  

 

(4)

Operational risk

The Group defines the operational risk that could cause a negative effect on capital resulting from inadequate internal process, labor work and systematic problem or external factors.

1) Operational risk management

The Group has been running the operational risk management system under Basel II. The Group developed Advanced Measurement Approaches (“AMA”) to quantify required capital for operational risk. This system is used for reinforcement in foreign competitions, reducing the amount of risk capitals, managing the risk, and precaution for any unexpected occasions. This system has been tested by an independent third party, and this system approved by the Financial Supervisory Service.

 

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2) Operational risk measurement

To quantify required capital for operational risk, the Group applies AMA using internal and external loss data, business environment and internal control factors, and scenario analysis. For the operational risk management for its subsidiaries, the Group adopted the Basic Indicator Approach.

 

(5)

Capital management

The Group complies with the standard of capital adequacy provided by financial regulatory authorities. The capital adequacy standard is based on Basel III of Basel Committee on Banking Supervision and Basel III was applied from the end of December, 2013. The capital adequacy ratio is calculated by dividing own capital by asset (weighted with a risk premium – risk weighted assets) based on the consolidated financial statements of the Group.

According to the above regulations, the Group is required to meet the following new minimum requirements: Common Equity Tier 1 capital ratio of 7.13% and 6.25%, a minimum Tier 1 ratio of 8.63% and 7.75% and a minimum total regulatory capital of 10.63% and 9.75% as of June 30, 2018 and December 31, 2017, respectively.

Details of the Group’s capital adequacy ratio as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018 (*)     December 31, 2017  

Tier 1 capital

     16,952,436       16,074,987  

Other Tier 1 capital

     2,748,005       3,041,664  

Tier 2 capital

     3,499,122       3,486,555  
  

 

 

   

 

 

 

Total risk-adjusted capital

     23,199,563       22,603,206  
  

 

 

   

 

 

 

Risk-weighted assets for credit risk

     139,868,803       134,767,711  

Risk-weighted assets for market risk

     2,292,979       2,316,938  

Risk-weighted assets for operational risk

     9,826,809       9,677,559  
  

 

 

   

 

 

 

Total risk-weighted assets

     151,988,591       146,762,208  
  

 

 

   

 

 

 

Common Equity Tier 1 ratio

     11.15     10.95
  

 

 

   

 

 

 

Tier 1 capital ratio

     12.96     13.03
  

 

 

   

 

 

 

Total capital ratio

     15.26     15.40
  

 

 

   

 

 

 

 

(*)

Capital adequacy ratio as of June 30, 2018 is tentatively measured.

 

  5.

OPERATING SEGMENTS

In evaluating the results of the Group and allocating resources, the Group’s Chief Operation Decision Maker (“CODM”) utilizes the information per type of customers. This financial information of the segments is regularly reviewed by the CODM to make decisions about resources to be allocated to each segment and evaluate its performance.

 

  (1)

Segment by type of customers

The Group’s reporting segments comprise the following customers: consumer banking, corporate banking, investment banking, capital market, credit card market and headquarters and others. The reportable segments are classified based on the target customers for whom the service is being provided.

 

   

Consumer banking: Loans/deposits and financial services for retail and individual consumers, etc.

   

Corporate banking: Loans/deposits and export/import, financial services for corporations, etc.

   

Investment banking: Domestic/foreign investment, structured finance, M&A, equity & fund investment related business, venture advisory related tasks, real estate SOC development practices, etc.

 

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Capital market: Fund management, investment in securities and derivatives, etc.

   

Credit card: Credit card, cash service and card loan, etc.

   

Headquarter and others: Segments that do not belong to above operating segments

The details of operating income by each segment are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit cards     Headquarters
and others
    Subtotal     Adjustments     Total  

Net Interest income

                 

Interest income

    1,703,521       1,638,747       74,670       5,687       323,443       747,596       4,493,664       149,752       4,643,416  

Interest expense

    (499,830     (994,523     (92     —         (75,716     (458,733     (2,028,894     149,952       (1,878,942

Inter-segment

    (274,405     323,139       (77,656     10,259       —         18,663       —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    929,286       967,363       (3,078     15,946       247,727       307,526       2,464,770       299,704       2,764,474  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net non-interest income

                 

Non-interest income

    405,145       432,262       137,031       4,765,167       605,165       516,766       6,861,536       (236,269     6,625,267  

Non-interest expense

    (127,357     (183,814     (40,188     (4,725,584     (562,210     (218,710     (5,857,863     (182,141     (6,040,004

Inter-segment

    78,522       36,407       —         —         —         (114,929     —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    356,310       284,855       96,843       39,583       42,955       183,127       1,003,673       (418,410     585,263  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Other income (expense) Administrative expense

    (875,328     (403,216     (5,689     (7,852     (83,575     (327,244     (1,702,904     135,566       (1,567,338

Reversal of allowance for credit loss and impairment losses due to credit loss

    (53,008     109,283       52,244       (3,268     (113,960     62,729       54,020       (28,704     25,316  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    (928,336     (293,933     46,555       (11,120     (197,535     (264,515     (1,648,884     106,862       (1,542,022
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating income (expenses)

    357,260       958,285       140,320       44,409       93,147       226,138       1,819,559       (11,844     1,807,715  

Non-operating income (expenses)

    (9,889     671       17,411       —         (2,988     17,615       22,820       (29,003     (6,183

Net income before income tax expense

    347,371       958,956       157,731       44,409       90,159       243,753       1,842,379       (40,847     1,801,532  

Income tax expense

    (95,528     (260,186     (43,377     (12,212     (22,541     (52,320     (486,164     948       (485,216
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    251,843       698,770       114,354       32,197       67,618       191,433       1,356,215       (39,899     1,316,316  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    For the six months ended June 30, 2017  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit cards     Headquarters
and others
    Subtotal     Adjustments     Total  

Net Interest income

                 

Interest income

    1,539,729       1,456,198       72,232       8,938       288,648       668,644       4,034,389       155,195       4,189,584  

Interest expense

    (480,814     (818,422     (126     —         (65,600     (411,449     (1,776,411     137,147       (1,639,264

Inter-segment

    (248,116     229,029       (66,693     8,324       —         77,456       —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    810,799       866,805       5,413       17,262       223,048       334,651       2,257,978       292,342       2,550,320  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net non-interest income

                 

Non-interest income

    424,214       333,646       212,107       4,991,598       566,107       1,129,696       7,657,368       (126,727     7,530,641  

Non-interest expense

    (146,630     (82,261     (121,238     (4,968,840     (520,469     (862,571     (6,702,009     (240,504     (6,942,513

Inter-segment

    45,402       29,680       —         —         —         (75,082     —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    322,986       281,065       90,869       22,758       45,638       192,043       955,359       (367,231     588,128  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

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Table of Contents
    For the six months ended June 30, 2017  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit
cards
    Headquarters
and others
    Subtotal     Adjustments     Total  

Other income (expense)

                 

General and administrative expense

    (869,732     (402,661     (5,696     (7,721     (77,909     (298,578     (1,662,297     123,870       (1,538,427

Reversal of allowance for credit loss and impairment losses due to credit loss

    (45,964     (128,685     31,311       22,135       (106,698     152,836       (75,065     (40,728     (115,793
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    (915,696     (531,346     25,615       14,414       (184,607     (145,742     (1,737,362     83,142       (1,654,220
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating income

    218,089       616,524       121,897       54,434       84,079       380,952       1,475,975       8,253       1,484,228  

Non-operating income (expense)

    8,862       (3,122     22,581       —         (2,399     (26,180     (258     (54,022     (54,280
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income before income tax expense

    226,951       613,402       144,478       54,434       81,680       354,772       1,475,717       (45,769     1,429,948  

Income tax expense

    (54,923     (139,138     (34,964     (13,173     (19,816     (50,841     (312,855     (8,078     (320,933
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    172,028       474,264       109,514       41,261       61,864       303,931       1,162,862       (53,847     1,109,015  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

  (2)

Information on products and services

The products of the Group are classified as interest-bearing products such as loans, deposits and debt securities and non-interest bearing products such as loan commitment, credit commitment, equity securities, and credit card service. This classification of products has been reflected in the segment information presenting interest income and non-interest income.

 

  (3)

Information on geographical areas

Among the Group’s revenue (interest income and non-interest income) from services, revenue from the domestic customers for the six months ended June 30, 2018 and 2017 amounted to 10,626,155 million Won and 11,185,991 million Won, respectively, and revenue from the foreign customers amounted to 642,528 million Won and 534,234 million Won, respectively. Among the Group’s non-current assets (investments in joint ventures and associates, investment properties, premises and equipment and intangible assets), non-current assets attributed to domestic subsidiaries as of June 30, 2018 and December 31, 2017 are 3,664,521 million Won and 3,550,764 million Won, respectively, and foreign subsidiaries are 233,864 million Won and 233,732 million Won, respectively.

 

  6.

CASH AND CASH EQUIVALENTS

 

  (1)

Details of cash and cash equivalents are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Cash

     1,889,739        2,009,363  

Foreign currencies

     795,692        617,155  

Demand deposits

     2,777,874        3,423,355  

Fixed deposits

     457,263        858,413  
  

 

 

    

 

 

 

Total

     5,920,568        6,908,286  
  

 

 

    

 

 

 

 

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Table of Contents
  (2)

Significant transactions of investing activities and financing activities not involving cash inflows and outflows are as follows (Unit: Korean Won in millions):

 

     For the
six months
ended
June 30, 2018
     For the
six months
ended
June 30, 2017
 

Changes in other comprehensive gain due to remeasurement of financial assets designated at FVTOCI

     41,452        —    

Changes in other comprehensive loss due to valuation of AFS financial assets

     —          (28,706

Changes in other comprehensive income of investment in associates

     1,210        1,507  

Changes in other comprehensive gain (loss) of foreign operations translation

     35,526        (69,010

Changes in other comprehensive loss related to valuation of cash flow hedging

     (6,213      (1,526

Changes in other comprehensive loss due to remeasurement of the net defined benefit liability

     (59,573      (9,677

Changes in investments in associates due to debt-equity swap

     —          51,405  

Changes in investments in associates due to accounts transfer

     (5,865      (16,354

Changes in accrued dividends of hybrid equity securities

     (80      (9,804

Changes in intangible assets related to accounts payable

     32,369        (8,506

Classified to assets held for sale from premises and equipment

     6,050        2,184  

 

  7.

FINANCIAL ASSETS AT FVTPL

 

  (1)

Financial assets at FVTPL are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Financial assets at fair value through profit or loss mandatorily measured at fair value

     6,340,704        —    

Financial assets held for trading

     —          5,820,787  

Financial assets designated at FVTPL

     —          22,290  
  

 

 

    

 

 

 

Total

     6,340,704        5,843,077  
  

 

 

    

 

 

 

 

(2)

Financial assets at fair value through profit or loss mandatorily measured at fair value and financial assets held for trading are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits:

     

Gold banking asset

     24,921        25,972  

Securities:

     

Debt securities

     

Korean treasury and government agencies

     639,476        540,438  

Financial institutions

     639,711        1,476,498  

Corporates

     714,508        627,397  

Others

     156        —    

 

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Table of Contents
     June 30, 2018      December 31, 2017  

Equity securities

     433,316        21,666  

Capital contributions

     349,470        —    

Beneficiary certificates

     810,968        13,041  
  

 

 

    

 

 

 

Subtotal

     3,587,605        2,679,040  
  

 

 

    

 

 

 

Loans

     336,967        —    

Derivatives assets

     2,391,211        3,115,775  
  

 

 

    

 

 

 

Total

     6,340,704        5,820,787  
  

 

 

    

 

 

 

 

(3)

Financial assets at fair value through profit or loss designated as upon initial recognition as of June 30, 2018 and financial assets at fair value through profit or loss designated as upon initial recognition as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     December 31, 2017  

Debt securities

     9,694  

Equity securities

     12,596  
  

 

 

 

Total

     22,290  
  

 

 

 

8. FINANCIAL ASSETS AT FVTOCI AND AFS FINANCIAL ASSETS

 

(1)

Details of financial assets at FVTOCI as of June 30, 2018 and AFS financial assets as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Debt securities:

     

Korean treasury and government agencies

     2,195,526        2,330,567  

Financial institutions

     7,370,107        5,217,266  

Corporates

     1,797,635        2,725,232  

Asset-backed securities

     —          308,181  

Bond denominated in foreign currencies

     2,325,422        2,442,579  

Others

     —          35,163  
  

 

 

    

 

 

 

Subtotal

     13,688,690        13,058,988  
  

 

 

    

 

 

 

Equity securities

     905,779        1,411,078  

Beneficiary certificates

     —          712,628  

Securities loaned

     50,139        170,256  
  

 

 

    

 

 

 

Total

     14,644,608        15,352,950  
  

 

 

    

 

 

 

 

(2)

Details of equity securities designated as financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Purpose of acquisition

   Fair value  

Strategic business partnership

     737,104  

Debt-equity swap

     168,533  

Others(*)

     142  
  

 

 

 

Total

     905,779  
  

 

 

 

 

(*)

Cooperate insurance, etc.

 

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Table of Contents
(3)

Changes in the loss allowance and gross carrying amount of financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

1) Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3      Total  

Beginning balance (*1)

     (4,107     (129     —          (4,236

Transfer to 12-month expected credit losses

     —         —         —          —    

Transfer to lifetime expected credit losses

     —         —         —          —    

Transfer to credit-impaired financial assets

     —         —         —          —    

Net reversal (provision) of loss allowance

     (562     103       —          (459

Disposal

     27       —         —          27  

Others (*2)

     (2     —         —          (2
  

 

 

   

 

 

   

 

 

    

 

 

 

Ending balance

     (4,644     (26     —          (4,670
  

 

 

   

 

 

   

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation, etc.

2) Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3      Total  

Beginning balance

     12,843,997       30,212       —          12,874,209  

Transfer to 12-month expected credit losses

     —         —         —          —    

Transfer to lifetime expected credit losses

     —         —         —          —    

Transfer to credit-impaired financial assets

     —         —         —          —    

Acquisition

     5,075,597       —         —          5,075,597  

Disposal

     (4,294,135     (15,047     —          (4,309,182

Gain (loss) on valuation

     12,874       10       —          12,884  

Amortization on the effective interest method

     (2,289     —         —          (2,289

Others (*)

     87,610       —         —          87,610  
  

 

 

   

 

 

   

 

 

    

 

 

 

Ending balance

     13,723,654       15,175       —          13,738,829  
  

 

 

   

 

 

   

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation, etc.

 

(4)

The Group disposed equity securities designated as financial assets at FVTOCI in accordance with the resolution of disposal from the creditors’ council for the six months ended June 30, 2018. The fair value and accumulative loss on valuation of that equity securities at disposal date are 3,974 million Won and 424 million Won, respectively.

9. SECURITIES AT AMORTIZED COST AND HTM FINANCIAL ASSETS

 

(1)

Details of securities at amortized cost as of June 30, 2018 and HTM financial assets as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Korean treasury and government agencies

     4,630,598        3,994,857  

Financial institutions

     7,767,490        7,245,426  

Corporates

     5,074,097        5,311,970  

Bond denominated in foreign currencies

     235,194        197,043  

Loss allowance

     (5,250      —    
  

 

 

    

 

 

 

Total

     17,702,129        16,749,296  
  

 

 

    

 

 

 

 

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(2)

Changes in the loss allowance and gross carrying amount of securities at amortized cost are as follows (Unit: Korean Won in millions):

1) Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2      Stage 3      Total  

Beginning balance (*1)

     (5,078     —          —          (5,078

Transfer to 12-month expected credit losses

     —         —          —          —    

Transfer to lifetime expected credit losses

     —         —          —          —    

Transfer to credit-impaired financial assets

     —         —          —          —    

Net provision of loss allowance

     (191     —          —          (191

Disposal

     22       —          —          22  

Others (*2)

     (3     —          —          (3
  

 

 

   

 

 

    

 

 

    

 

 

 

Ending balance

     (5,250     —          —          (5,250
  

 

 

   

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation, etc.

2) Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2      Stage 3      Total  

Beginning balance

     16,749,296       —          —          16,749,296  

Transfer to 12-month expected credit losses

     —         —          —          —    

Transfer to lifetime expected credit losses

     —         —          —          —    

Transfer to credit-impaired financial assets

     —         —          —          —    

Acquisition

     5,829,462       —          —          5,829,462  

Disposal / Redemption

     (4,873,896     —          —          (4,873,896

Amortization on the effective interest method

     (6,008     —          —          (6,008

Others (*)

     8,525       —          —          8,525  
  

 

 

   

 

 

    

 

 

    

 

 

 

Ending balance

     17,707,379       —          —          17,707,379  
  

 

 

   

 

 

    

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation, etc.

 

10.

LOANS AND OTHER FINANCIAL ASSETS AT AMORTIZED COST, AND LOANS AND RECEIVABLES

 

(1)

Details of loans and other financial assets at amortized cost as of June 30, 2018 and loans and receivables as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Due from banks

     17,770,356        8,868,378  

Loans

     248,794,014        251,523,301  

Other financial assets (other receivables)

     11,155,633        6,714,525  
  

 

 

    

 

 

 

Total

     277,720,003        267,106,204  
  

 

 

    

 

 

 

 

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(2)

Details of due from banks are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Due from banks in local currency:

     

Due from The Bank of Korea (“BOK”)

     14,500,746        6,246,496  

Due from depository banks

     90,003        30,003  

Due from non-depository institutions

     33        150  

Due from the Korea Exchange

     —          50,000  

Others

     68,132        97,365  

Loss allowance

     (3,475      (1,541
  

 

 

    

 

 

 

Subtotal

     14,655,439        6,422,473  
  

 

 

    

 

 

 

Due from banks in foreign currencies:

     

Due from banks on demand

     1,055,513        794,353  

Due from banks on time

     1,237,312        972,915  

Others

     824,229        679,554  

Loss allowance

     (2,137      (917
  

 

 

    

 

 

 

Subtotal

     3,114,917        2,445,905  
  

 

 

    

 

 

 

Total

     17,770,356        8,868,378  
  

 

 

    

 

 

 

 

(3)

Details of restricted due from banks are as follows (Unit: Korean Won in millions):

 

   

Counterparty

  June 30, 2018    

Reason of restriction

Due from banks in local currency:

   

Due from BOK

 

The BOK

    14,500,746     Reserve deposits under the BOK Act

Others

 

The Korea Exchange and others

    64,150     Central counterparty KRW margin and others
   

 

 

   

Subtotal

    14,564,896    
 

 

 

   
Due from banks in foreign currencies:    

Due from banks on demand

 

The BOK and others

    1,048,609     Reserve deposits under the BOK Act and others

Others

 

The People’s Bank of China and others

    824,229     Reserve deposits and others

Due from banks on time

 

National Bank of Cambodia

    56    

Fast And Secure Transfer

(Payment system)

   

 

 

   

Subtotal

    1,872,894    
 

 

 

   

Total

    16,437,790    
 

 

 

   
   

Counterparty

  December 31, 2017    

Reason of restriction

Due from banks in local currency:

   

Due from BOK

 

The BOK

    6,246,496    

Reserve deposits

under the BOK Act

Others

 

The Korea Exchange and others

    94,394     Central counterparty KRW margin and others
   

 

 

   

Subtotal

    6,340,890    
 

 

 

   

 

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Counterparty

  December 31, 2017    

Reason of restriction

Due from banks in foreign currencies:

   

Due from banks on demand

  The BOK and others     787,520     Reserve deposits under the BOK Act and others

Others

  The People’s Bank of China and others     367,108     Reserve deposits and others
   

 

 

   

Subtotal

    1,154,628    
 

 

 

   

Total

    7,495,518    
 

 

 

   

 

(4)

Changes in the loss allowance and gross carrying amount of due from banks are as follows (Unit: Korean Won in millions):

 

  1)

Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1      Stage 2      Stage 3      Total  

Beginning balance (*1)

     (3,092      —          —          (3,092

Transfer to 12-month expected credit losses

     —          —          —          —    

Transfer to lifetime expected credit losses

     —          —          —          —    

Transfer to credit-impaired financial assets

     —          —          —          —    

Net provision of loss allowance

     (2,500      —          —          (2,500

Others (*2)

     (20      —          —          (20
  

 

 

    

 

 

    

 

 

    

 

 

 

Ending balance

     (5,612      —          —          (5,612
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation and etc.

 

  2)

Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1      Stage 2      Stage 3      Total  

Beginning balance

     8,870,835        —          —          8,870,835  

Transfer to 12-month expected credit losses

     —          —          —          —    

Transfer to lifetime expected credit losses

     —          —          —          —    

Transfer to credit-impaired financial assets

     —          —          —          —    

Net increase

     8,855,041        —          —          8,855,041  

Others (*)

     50,092        —          —          50,092  
  

 

 

    

 

 

    

 

 

    

 

 

 

Ending balance

     17,775,968        —          —          17,775,968  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation and etc.

 

(5)

Details of loans are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Loans in local currency

     204,830,133        200,213,230  

Loans in foreign currencies

     14,731,407        13,147,888  

Domestic banker’s letter of credit

     3,074,011        2,516,907  

Credit card accounts

     7,570,281        6,827,295  

Bills bought in foreign currencies

     6,830,374        8,197,159  

Bills bought in local currency

     257,405        334,714  

Factoring receivables

     61,382        137,523  

 

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     June 30, 2018      December 31, 2017  

Advances for customers on guarantees

     14,910        23,620  

Private placement bonds

     433,591        362,319  

Securitized loans

     1,228,212        563,152  

Call loans

     3,135,670        3,003,455  

Bonds purchased under resale agreements

     6,999,881        16,859,064  

Loan origination costs and fees

     545,864        510,860  

Others

     836,266        607,325  

Discounted present value

     (5,068      (10,988

Loss allowance

     (1,750,305      (1,770,222
  

 

 

    

 

 

 

Total

     248,794,014        251,523,301  
  

 

 

    

 

 

 

 

(6)

Changes in the loss allowance on loans for the six months ended June 30, 2018 are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Consumers     Corporates  
    Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance (*1)

    (101,479     (41,358     (117,168     (365,246     (255,926     (905,243

Transfer to 12-month expected credit losses

    (9,219     8,797       421       (20,913     20,634       280  

Transfer to lifetime expected credit losses

    6,076       (7,514     1,438       17,263       (106,963     89,700  

Transfer to credit-impaired financial assets

    19,177       23,228       (42,406     2,976       12,016       (14,991

Net reversal (provision) of loss allowance

    (22,903     (29,025     (51,219     (5,600     30,121       154,111  

Recoveries of loans previously charged off

    —         —         (23,392     —         —         (52,273

Charge-off

    —         —         117,228       —         —         121,847  

Disposal

    —         —         780       —         67       17,676  

Unwinding effect

    —         —         3,665       —         —         12,961  

Others (*2)

    (1,994     (39     (1,156     23,916       (87     (312
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

    (110,342     (45,911     (111,809     (347,604     (300,138     (576,244
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    For the six months ended June 30, 2018  
    Credit card accounts     Sub-total  
    Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance (*1)

    (57,134     (71,463     (102,858     (523,859     (368,747     (1,125,269

Transfer to 12-month expected credit losses

    (12,969     12,880       89       (43,101     42,311       790  

Transfer to lifetime expected credit losses

    6,963       (7,307     344       30,302       (121,784     91,482  

Transfer to credit-impaired financial assets

    698       2,537       (3,235     22,851       37,781       (60,632

Net reversal (provision) of loss allowance

    (409     (11,715     (90,448     (28,912     (10,619     12,444  

Recoveries of loans previously charged off

    —         —         (28,706     —         —         (104,371

Charge-off

    —         —         104,478       —         —         343,553  

Disposal

    —         —         —         —         67       18,456  

Unwinding effect

    —         —         —         —         —         16,626  

Others (*2)

    (2     —         —         21,920       (126     (1,468
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

    (62,853     (75,068     (120,336     (520,799     (421,117     (808,389
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of debt-equity swap, foreign currencies translation and etc.

 

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Changes in the loss allowances on loans and receivables for the six months ended June 30, 2017 are as follows (Unit: Korean Won in millions):

 

     For six months ended June 30, 2017  
     Consumers     Corporates     Credit card     Others     Total  

Beginning balance

     (163,858     (1,498,842     (155,372     (209,024     (2,027,096

Net reversal (provision) of loss allowance

     (65,582     (191,263     (91,022     13,891       (333,976

Recoveries of loans previously charged off

     (21,659     (55,319     (24,808     (3     (101,789

Charge-off

     67,593       220,598       104,195       51,260       443,646  

Disposal

     830       58,431       —         29,264       88,525  

Unwinding effect

     4,620       20,047       —         —         24,667  

Others (*)

     416       179,068       —         (633     178,851  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     (177,640     (1,267,280     (167,007     (115,245     (1,727,172
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Others consist of debt-equity swap, foreign currencies translation and etc.

 

(7)

Changes in the gross carrying amount of loans are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Consumers     Corporates  
     Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance

     103,502,347       5,487,758       326,739       130,561,786       5,000,966       1,622,410  

Transfer to 12-month expected credit losses

     1,772,982       (1,768,978     (4,004     1,113,857       (1,112,533     (1,324

Transfer to lifetime expected credit losses

     (2,731,516     2,746,818       (15,302     (2,112,755     2,222,364       (109,609

Transfer to credit-impaired financial assets

     (84,885     (101,151     186,036       (155,933     (118,707     274,640  

Charge-off

     —         —         (117,228     —         —         (121,847

Disposal

     —         (270     (13,483     —         (883     (67,695

Net increase (decrease)

     2,913,765       (742,949     (22,980     (4,520,684     (688,875     (149,456
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     105,372,693       5,621,228       339,778       124,886,271       5,302,332       1,447,119  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
     For the six months ended June 30, 2018  
     Credit card accounts     Sub-total  
     Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance

     5,721,743       935,266       177,983       239,785,876       11,423,990       2,127,132  

Transfer to 12-month expected credit losses

     243,044       (242,932     (112     3,129,883       (3,124,443     (5,440

Transfer to lifetime expected credit losses

     (299,729     300,190       (461     (5,144,000     5,269,372       (125,372

Transfer to credit-impaired financial assets

     (27,288     (24,128     51,416       (268,106     (243,986     512,092  

Charge-off

     —         —         (104,478     —         —         (343,553

Disposal

     —         —         —         —         (1,153     (81,178

Net increase (decrease)

     722,640       46,551       75,193       (884,279     (1,385,273     (97,243
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     6,360,410       1,014,947       199,541       236,619,374       11,938,507       1,986,438  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

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(8)

Details of other financial assets (other receivables) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

CMA accounts

     200,000        135,000  

Receivables

     8,721,745        4,459,318  

Accrued income

     1,055,713        1,026,273  

Telex and telephone subscription rights and refundable deposits

     980,611        984,620  

Other receivables

     272,403        166,877  

Loss allowance

     (74,839      (57,563
  

 

 

    

 

 

 

Total

     11,155,633        6,714,525  
  

 

 

    

 

 

 

 

(9)

Changes in the loss allowances on other financial assets are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3     Total  

Beginning balance (*)

     (2,955     (1,832     (54,211     (58,998

Transfer to 12-month expected credit losses

     (161     146       15       —    

Transfer to lifetime expected credit losses

     112       (122     10       —    

Transfer to credit-impaired financial assets

     23       167       (190     —    

Net provision of loss allowance

     (360     (256     (30,854     (31,470

Recoveries of other financial assets previously charged off

     —         —         (2     (2

Charge-off

     —         —         15,225       15,225  

Disposal

     —         —         593       593  

Others

     (208     —         21       (187
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     (3,549     (1,897     (69,393     (74,839
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

(10)

Changes in the gross carrying amount of other financial assets are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3     Total  

Beginning balance

     6,662,335       29,124       79,912       6,771,371  

Transfer to 12-month expected credit losses

     8,130       (8,109     (21     —    

Transfer to lifetime expected credit losses

     (10,935     10,949       (14     —    

Transfer to credit-impaired financial assets

     (768     (1,120     1,888       —    

Charge-off

     —         —         (15,225     (15,225

Disposal

     —         (2     (735     (737

Net increase and others

     4,460,291       (1,650     16,422       4,475,063  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     11,119,053       29,192       82,227       11,230,472  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

11.

FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES

 

(1)

The fair value hierarchy

The fair value hierarchy is determined by the levels of judgment involved in estimating fair values of financial assets and liabilities. The specific financial instruments characteristics and market condition such as volume of transactions and transparency are reflected to the market observable inputs. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities. The Group

 

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maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value of its financial assets and financial liabilities. Fair value is measured based on the perspective of a market participant. As such, even when market assumptions are not readily available, the Group’s own assumptions reflect those that market participants would use for measuring the assets or liabilities at the measurement date.

The fair value measurement is described in the one of the following three levels used to classify fair value measurements:

 

   

Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies.

 

   

Level 2—fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment.

 

   

Level 3—fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity.

The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability.

 

(2)

Fair value hierarchy of financial assets and liabilities measured at fair value are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Level 1 (*1)      Level 2 (*1)      Level 3      Total  

Financial assets:

           

Financial assets at fair value through profit or loss mandatorily measured at fair value

           

Deposits

     24,921        —          —          24,921  

Debt securities

     375,280        1,611,129        7,442        1,993,851  

Equity securities

     80,536        —          352,780        433,316  

Capital contributions

     —          —          349,470        349,470  

Beneficiary certificates

     —          62,173        748,795        810,968  

Loans

     —          85,000        251,967        336,967  

Derivative assets

     17,439        2,337,601        36,171        2,391,211  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     498,176        4,095,903        1,746,625        6,340,704  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial assets at FVTOCI

           

Debt securities

     2,463,992        11,224,698        —          13,688,690  

Equity securities

     440,038        —          465,741        905,779  

Securities loaned

     —          50,139        —          50,139  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     2,904,030        11,274,837        465,741        14,644,608  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative assets

     —          12,395        —          12,395  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,402,206        15,383,135        2,212,366        20,997,707  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents
     June 30, 2018  
     Level 1 (*1)      Level 2 (*1)      Level 3      Total  

Financial liabilities:

           

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

           

Deposits due to customers

     24,485        —          —          24,485  

Derivative liabilities

     3,269        2,333,558        40,923        2,377,750  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     27,754        2,333,558        40,923        2,402,235  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities at fair value through profit or loss designated as upon initial recognition

           

Equity-linked securities

     —          —          176,097        176,097  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative liabilities

     —          67,505        —          67,505  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     27,754        2,401,063        217,020        2,645,837  
  

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Level 1 (*1)      Level 2 (*1)      Level 3 (*2)      Total  

Financial assets:

           

Financial assets held for trading

           

Deposits

     25,972        —          —          25,972  

Debt securities

     405,942        2,238,391        —          2,644,333  

Equity securities

     21,666        —          —          21,666  

Beneficiary certificates

     —          13,041        —          13,041  

Derivative assets

     1,021        3,093,272        21,482        3,115,775  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     454,601        5,344,704        21,482        5,820,787  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial assets designated at FVTPL

           

Debt securities

     —          —          9,694        9,694  

Equity securities

     —          —          12,596        12,596  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          —          22,290        22,290  
  

 

 

    

 

 

    

 

 

    

 

 

 

AFS financial assets

           

Debt securities

     2,710,172        10,348,816        —          13,058,988  

Equity securities

     399,214        —          1,011,864        1,411,078  

Beneficiary certificates

     —          68,722        643,906        712,628  

Securities loaned

     69,778        100,478        —          170,256  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     3,179,164        10,518,016        1,655,770        15,352,950  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative assets

     —          59,272        —          59,272  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,633,765        15,921,992        1,699,542        21,255,299  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities:

           

Financial liabilities held for trading

           

Deposits due to customers

     25,964        —          —          25,964  

Derivative liabilities

     2,613        3,126,585        20,951        3,150,149  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     28,577        3,126,585        20,951        3,176,113  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities designated at FVTPL

           

Equity-linked securities

     —          —          160,057        160,057  

Debentures

     —          91,739        —          91,739  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          91,739        160,057        251,796  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative liabilities

     —          67,754        —          67,754  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     28,577        3,286,078        181,008        3,495,663  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents
(*1)

There were no transfers between Level 1 and Level 2 of financial assets and liabilities measured at fair value. The Group recognizes transfers among levels at the end of reporting period in which events have occurred or conditions have changed.

(*2)

Certain AFS unquoted equity securities were measured at cost as of December 31, 2017, that amounted to 37,092 million Won. These unquoted equity instruments mostly represent minority investments in structured entity vehicles, such as asset securitization structures. They are measured at cost because (a) observable inputs of financial information to measure fair value were not available to obtain, (b) there was a significant variance in likely estimated cash flows or (c) the probabilities for various estimated cash flows could not be measured reliably. In addition, the Group has no intention to dispose these investments in the foreseeable future.

Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date.

Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. Valuation methods and input variables for each type of financial instruments are as follows:

 

    

Valuation methods

  

Input variables

Loans

  

The fair value of Loans is measured by the Binomial tree given the values of underlying assets and volatility.

  

Values of underlying assets, Volatility

Debt securities

  

The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.

  

Risk-free market rate, credit spread

Equity securities, capital contribution and Beneficiary certificates

  

Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.

  

Risk-free market rate, market risk premium, Beta, etc.

 

A-50


Table of Contents
    

Valuation methods

  

Input variables

Derivatives

  

The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market.

However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.

  

Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.

Equity-linked securities

  

The fair value of security linked to stock prices or derivatives is measured by the models such as DCF model, FDM, or Monte Carlo Simulation given the natures of the securities or underlying assets.

  

Values of underlying assets, risk-free market rate, market rate, dividend and convenience yield, volatility, correlation coefficient, credit spread, and foreign exchange rate

Debentures

  

The fair value is measured by discounting the projected cash flows of a debenture by applying the market discount rate that is reflecting credit rating of the Group.

  

Risk-free market rate, forward rate

Valuation methods of financial assets and liabilities measured at fair value and classified into Level 3 and significant but unobservable inputs are as follows:

 

   

Fair value measurement
technique

 

Input variable

  Range  

Impact of changes in significant unobservable
inputs on fair value measurement

Loans

 

Binomial tree

 

Stock, Volatility of underlying asset

  14.92% – 41.24%  

Variation of fair value increases as volatility increases.

Derivative assets

 

Option valuation model and others

 

Correlation coefficient

  0.900 – 0.970  

Variation of fair value increases as correlation coefficient increases.

 

Volatility of underlying asset

  10.61% – 27.59%  

Variation of fair value increases as volatility increases.

Derivative liabilities

 

Option valuation model and others

 

Correlation coefficient

  0.900 – 0.970  

Variation of fair value increases as correlation coefficient increases.

 

Volatility of underlying asset

  10.61% – 27.59%  

Variation of fair value increases as volatility increases.

Equity-linked securities

 

Monte Carlo Simulation and others

 

Correlation coefficient

  0.0861 – 0.688  

Equity-linked securities’ variation of fair value increases if both volatility and correlation coefficient increase. However, when correlation coefficient decreases despite the increase in volatility, the variation of fair value of a compound financial instrument may decrease.

 

Volatility of underlying asset

  18.60% – 26.88%

Equity securities and

beneficiary certificates

 

External appraisal value and others

 

Expected growth rate

  0.00%  

Fair value increases as expected growth rate increases.

 

Discount rate

  0.99% – 18.73%  

Fair value increases as discount rate decreases.

 

Volatility of real estate sale price

  0.00%  

Fair value increases as sale price increases.

 

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Table of Contents

Fair value of financial assets and liabilities classified into Level 3 is measured by the Group using its own valuation methods or using external specialists. Unobservable inputs used in the fair value measurements are produced by the internal system of the Group and the appropriateness of inputs is reviewed regularly.

 

(3)

Changes in financial assets and liabilities measured at fair value classified into Level 3 are as follows (Unit: Korean Won in millions):

 

     For six months ended June 30, 2018  
     January 1,
2018
     Net
income
(loss) (*1)
    Other
comprehensive
income
     Purchases/
issuances
    Disposals/
settlements
    Transfer to
or out of
Level 3 (*2)
     June 30,
2018
 

Financial assets:

                 

Financial assets at fair value through profit or loss mandatorily measured at fair value

                 

Debt securities

     9,694        (111     —          —         (2,141     —          7,442  

Equity securities

     280,171        22,834       —          50,005       (230     —          352,780  

Capital contributions

     294,121        21,934       —          49,367       (15,952     —          349,470  

Beneficiary certificates

     654,066        12,973       —          1,924,763       (1,843,007     —          748,795  

Loans

     165,001        3,616       —          125,807       (42,457     —          251,967  

Derivative assets

     19,346        65,856       —          1,936       (50,967     —          36,171  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Subtotal

     1,422,399        127,102       —          2,151,878       (1,954,754     —          1,746,625  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Financial assets at FVTOCI

                 

Equity securities

     451,287        (393     14,557        290       —         —          465,741  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Total

     1,873,686        126,709       14,557        2,152,168       (1,954,754     —          2,212,366  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Financial liabilities:

                 

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

                 

Derivative liabilities

     20,951        73,951       —          (3,058     (50,921     —          40,923  

Financial liabilities at fair value through profit or loss designated as upon initial recognition

                 

Equity-linked securities

     160,057        (1,438     —          179,044       (161,566     —          176,097  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Total

     181,008        72,513       —          175,986       (212,487     —          217,020  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

 

(*1)

The losses that increase financial liabilities are presented as positive amounts, and the gains that decrease financial liabilities are presented as negative amounts. The gain amounting to 61,323 million Won for six months ended June 30, 2018, which is from financial assets and liabilities that the Group holds as at the end of the periods, has been recognized in net gain (loss) on financial assets at FVTPL and net gain (loss) on financial assets at FVTOCI in the consolidated statement of comprehensive income.

(*2)

The Group recognizes transfers between levels at the end of reporting period within which events have occurred or conditions have changed.

 

     For the six months ended June 30, 2017  
     January 1,
2017
     Net
income
(loss) (*1)
    Other
comprehensive
income (loss)
     Purchases/
Issuances
     Disposals/
Settlements
    Transfer to
or out of
level 3 (*2)
     June 30,
2017
 

Financial assets:

                  

Financial assets held for trading

                  

Derivative assets

     23,153        21,217       —          472        (17,420     —          27,422  

Financial assets designed at FVTPL

                  

Debt securities

     4,348        191       —          2,000        —         —          6,539  

Equity securities

     12,652        (207     —          —          —         —          12,445  
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

Sub-total

     17,000        (16     —          2,000        —         —          18,984  
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

 

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Table of Contents
     For the six months ended June 30, 2017  
     January 1,
2017
     Net
income
(loss) (*1)
     Other
comprehensive
income (loss)
    Purchases/
Issuances
     Disposals/
Settlements
    Transfer to
or out of
level 3 (*2)
     June 30,
2017
 

AFS financial assets

                  

Equity securities

     1,024,935        19,241        10,175       27,289        (31,692     —          1,049,948  

Beneficiary certificates

     530,511        3,442        (2,188     127,147        (70,600     —          588,312  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Sub-total

     1,555,446        22,683        7,987       154,436        (102,292     —          1,638,260  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Derivative assets

     99        185        —         —          (284     —          —    
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Total

     1,595,698        44,069        7,987       156,908        (119,996     —          1,684,666  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Financial liabilities:

                  

Financial liabilities held for trading

                  

Derivative liabilities

     33,524        14,142        —         501        (15,015     —          33,152  

Financial liabilities designated at FVTPL

                  

Equity-linked securities

     673,709        83,962        —         —          (235,296     —          522,375  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Total

     707,233        98,104        —         501        (250,311     —          555,527  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

 

(*1)

The loss amounting to 61,518 million Won for the six months ended June 30, 2017, which is from financial assets and liabilities that the Group holds, has been recognized in net gain (loss) on financial instruments at FVTPL and net gain (loss) on AFS financial assets in the statement of comprehensive income.

(*2)

The Group recognizes transfers between levels at the end of reporting period within which events have occurred or conditions have changed.

 

(4)

Sensitivity analysis on the unobservable inputs used for measuring Level 3 financial instruments

The sensitivity analysis of the financial instruments has been performed by classifying with favorable and unfavorable changes based on how changes in unobservable assumptions would have effects on the fluctuations of financial instruments’ value. When the fair value of a financial instrument is affected by more than one unobservable assumption, the below table reflects the most favorable or the most unfavorable changes which resulted from varying the assumptions individually. The sensitivity analysis was performed for two types of level 3 financial instruments: (1) interest rate related derivatives, currency related derivatives, equity related derivatives, equity-linked securities beneficiary certificates and loans of which fair value changes are recognized as net income; (2) equity securities of which fair value changes are recognized as other comprehensive income.

The equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis.

The following table presents the sensitivity analysis to disclose the effect of reasonably possible volatility on the fair value of a Level 3 financial instruments (Unit: Korean Won in millions):

 

     June 30, 2018  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial assets:

          

Financial assets at FVTPL

          

Derivative assets (*1) (*2)

     4,305        (2,452     —          —    

Loans

     422        (323     —          —    

Debt securities

     914        (784     —          —    

Equity securities (*3) (*4)

     10,740        (7,562     —          —    

Beneficiary certificates (*4)

     1,436        (1,544     —          —    

Financial assets at FVTOCI

          

Equity securities (*3) (*4)

     —          —         19,464        (8,704
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     17,817        (12,665     19,464        (8,704
  

 

 

    

 

 

   

 

 

    

 

 

 

 

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Table of Contents
     June 30, 2018  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial liabilities:

          

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

          

Derivative liabilities (*1) (*2)

     2,409        (4,285     —          —    

Financial liabilities at fair value through profit or loss designated as upon initial recognition

          

Equity-linked securities (*1)

     1,083        (1,158     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     3,492        (5,443     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 
     December 31, 2017  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial assets:

          

Financial assets held for trading

          

Derivatives assets (*1) (*2)

     1,234        (526     —          —    

Financial assets designed at FVTPL

          

Debt securities (*5)

     265        (309     —          —    

Equity securities (*5)

     670        (624     —          —    

AFS Financial assets

          

Equity securities (*3) (*4)

     —          —         28,583        (15,246

Beneficiary certificates (*4)

     —          —         1,861        (1,857
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     2,169        (1,459     30,444        (17,103
  

 

 

    

 

 

   

 

 

    

 

 

 

Financial liabilities:

          

Financial liabilities held for trading

          

Derivative liabilities (*1) (*2)

     5        (513     —          —    

Financial liabilities designated at FVTPL

          

Equity-linked securities (*1)

     8        (7     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     13        (520     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

 

(*1)

Fair value changes of equity related derivatives assets and liabilities and equity-linked securities are calculated by increasing or decreasing historical volatility of the stock price and correlation, which are major unobservable variables, by 10%, respectively. In the case of interest rate related derivative assets and liabilities, fair value changes are calculated by increasing or decreasing the volatility of interest rate, which are major unobservable variables, by 10%.

(*2)

Both derivative assets and liabilities for held for trading and hedging are included.

(*3)

Fair value changes of equity securities are calculated by increasing or decreasing growth rate (0~1%) and discount rate or liquidation value (-1~1%). The growth rate, discount rate, and liquidation value are major unobservable variables.

(*4)

Even if the sensitivity analysis of the capital contributions and beneficiary certificates is not possible in practice, fair value changes of beneficiary certificates and other securities whose major unobservable variables are composed of the real estate are calculated by increasing or decreasing price fluctuation of real estate which is underlying assets and discount rate by 1%.

(*5)

Changes of fair value are measured by increasing or decreasing the discount rate by 10%, which is major unobservable variable, respectively.

 

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(5)

Fair value and carrying amount of financial assets and liabilities that are recorded at amortized cost are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Fair value      Book
value
 
     Level 1      Level 2      Level 3      Total  

Financial assets:

              

Securities at amortized cost

     1,792,215        15,911,262        —          17,703,477        17,702,129  

Loans and other financial assets at amortized cost

     —          —          277,718,440        277,718,440        277,720,003  

Financial liabilities:

              

Deposits due to customers

     —          237,811,780        —          237,811,780        237,900,166  

Borrowings

     —          15,924,417        —          15,924,417        15,899,599  

Debentures

     —          26,586,897        —          26,586,897        26,752,725  

Other financial liabilities

     —          21,405,921        —          21,405,921        21,408,267  

 

     December 31, 2017  
     Fair value      Book
value
 
     Level 1      Level 2      Level 3      Total  

Financial assets:

              

HTM financial assets

     1,206,292        15,509,387        —          16,715,679        16,749,296  

Loans and receivables

     —          —          265,570,649        265,570,649        267,106,204  

Financial liabilities:

              

Deposits due to customers

     —          234,682,775        —          234,682,775        234,695,084  

Borrowings

     —          14,754,506        —          14,754,506        14,784,706  

Debentures

     —          27,889,781        —          27,889,781        27,869,651  

Other financial liabilities

     —          13,890,789        —          13,890,789        13,892,461  

The fair values of financial instruments are measured using quoted market price in active markets. In case there is no active market for financial instruments, the Group determines the fair value using valuation methods. Valuation methods and input variables for financial assets and liabilities that are measured at amortized costs are given as follows:

 

    

Valuation methods

  

Input variables

Securities at amortized cost (HTM financial assets in previous year)

  

The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.

  

Risk-free market rate and credit spread

Loans and other financial assets at amortized cost (Loans and receivables in previous year)

  

The fair value is measured by discounting the projected cash flows of loan products by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the debtor.

  

Risk-free market rate, credit spread and prepayment-rate

Deposits due to customers, borrowings, debentures and other financial liabilities

  

The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting credit rating of the Group.

  

Risk-free market rate and forward rate

 

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(6)

Financial instruments by category

Carrying amounts of financial assets and liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Financial assets

   Financial asset
at FVTPL
     Financial assets
at FVTOCI
     Financial assets at
amortized cost
     Derivatives
assets held for
hedging
     Total  

Deposits

     24,921        —          17,770,356        —          17,795,277  

Securities at fair value through profit or loss

     3,587,605        —          —          —          3,587,605  

Securities at FVTOCI

     —          14,644,608        —          —          14,644,608  

Securities at amortized cost

     —          —          17,702,129        —          17,702,129  

Loans

     336,967        —          248,794,014        —          249,130,981  

Derivative assets

     2,391,211        —          —          12,395        2,403,606  

Other financial assets at amortized cost

     —          —          11,155,633        —          11,155,633  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     6,340,704        14,644,608        295,422,132        12,395        316,419,839  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

Financial liabilities

   June 30, 2018  
   Financial liabilities
at FVTPL
     Financial liabilities
at amortized cost
     Derivatives
liabilities held for
hedging
     Total  

Deposits due to customers

     24,485        237,900,166        —          237,924,651  

Borrowings

     176,097        15,899,599        —          16,075,696  

Debentures

     —          26,752,725        —          26,752,725  

Derivative liabilities

     2,377,750        —          67,505        2,445,255  

Other financial liabilities (*)

     —          21,463,163        —          21,463,163  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,578,332        302,015,653        67,505        304,661,490  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Other financial liabilities include 54,896 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note 23).

 

     December 31, 2017  

Financial assets

   Financial assets
at FVTPL
     AFS financial
assets
     HTM financial
assets
     Loans      Derivatives
assets held for
hedging
     Total  

Deposits

     25,972        —          —          8,868,378        —          8,894,350  

Financial assets at FVTPL

     2,701,330        —          —          —          —          2,701,330  

AFS financial assets

     —          15,352,950        —          —          —          15,352,950  

HTM financial assets

     —          —          16,749,296        —          —          16,749,296  

Loans

     —          —          —          251,523,301        —          251,523,301  

Derivative assets

     3,115,775        —          —          —          59,272        3,175,047  

Other financial assets at amortized cost

     —          —          —          6,714,525        —          6,714,525  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     5,843,077        15,352,950        16,749,296        267,106,204        59,272        305,110,799  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents

Financial liabilities

   June 30, 2017  
   Financial liabilities
at FVTPL
     Financial liabilities
at amortized cost
     Derivatives
liabilities held for
hedging
     Total  

Deposits due to customers

     25,964        234,695,084        —          234,721,048  

Borrowings

     160,057        14,784,706        —          14,944,763  

Debentures

     91,739        27,869,651        —          27,961,390  

Derivative liabilities

     3,150,149        —          67,754        3,217,903  

Other financial liabilities (*)

     —          13,964,158        —          13,964,158  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,427,909        291,313,599        67,754        294,809,262  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Other financial liabilities include 71,697 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note 23).

 

12.

DERECOGNITION AND OFFSET OF FINANCIAL INSTRUMENTS

 

(1)

Derecognition of financial instruments

Transferred financial assets that do not meet the condition of derecognition in their entirety.

 

  a)

Disposal of securities under repurchase agreements

The financial instruments that were disposed but the Group agreed to repurchase at the fixed amounts at the same time, so that they did not meet the conditions of derecognition, are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Assets transferred

   Financial assets at FVTOCI      10,002        —    
   AFS financial assets      —          9,998  
   Securities at amortized cost      5,444        —    
   HTM financial assets      —          5,436  
     

 

 

    

 

 

 
  

Total

     15,446        15,434  
     

 

 

    

 

 

 

Related liabilities

   Bonds sold under repurchase agreements      5,372        3,173  
     

 

 

    

 

 

 

 

  b)

Securities loaned

When the Group loans its securities to outside parties, the legal ownerships of the securities are transferred; however, they should be returned at the end of lending period. Therefore, the Group does not derecognize them from the financial statements as it owns majority of risks and benefits from the securities continuously, regardless of the transfer of legal ownership. The carrying amounts of the securities loaned are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017      Loaned to

Financial assets at FVTOCI

  

Korean treasury, corporation bonds and others

     50,139        —        Korea Securities
Finance
Corporation

AFS financial assets

  

Korean treasury, government bonds and others

     —          170,256      Korea Securities
Finance
Corporation
and others
     

 

 

    

 

 

    
  

Total

     50,139        170,256     
     

 

 

    

 

 

    

 

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The details of the transferred financial assets that are not meet the condition of derecognition in their entirety, such as disposal of securities under repurchase agreement or securities loaned, are explained in Note 18.

 

(2)

The offset of financial assets and liabilities

The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position.

The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset.

The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year).

As of June 30, 2018 and December 31, 2017, the financial instruments to be off set and may be covered by master netting agreements and similar agreements are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Gross
amounts of
recognized
financial
assets
     Gross
amounts of
recognized
financial
assets set off
     Net
amounts of
financial
assets
presented
     Related amounts not set off
in the consolidated statement
of financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
received
 

Financial assets:

                 

Derivative assets and others (*1)

     2,132,698        —          2,132,698        8,716,272        21,543        857,980  

Receivable spot exchange (*2)

     7,463,097        —          7,463,097  

Bonds purchased under resale agreements (*2)

     6,999,881        —          6,999,881        6,999,881        —          —    

Domestic exchanges receivable (*2)(*5)

     27,527,610        27,338,204        189,406        —          —          189,406  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     44,123,286        27,338,204        16,785,082        15,716,153        21,543        1,047,386  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents
     June 30, 2018  
     Gross
amounts of
recognized
financial
liabilities
     Gross
amounts of
recognized
financial
liabilities set
off
     Net
amounts of
financial
liabilities
presented
     Related amounts not set off
in the consolidated statement
of financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
pledged
 

Financial liabilities:

                 

Derivative liabilities and others (*1)

     2,305,516        —          2,305,516        8,704,614        208,955        856,626  

Payable spot exchange (*3)

     7,464,679        —          7,464,679  

Bonds sold under repurchase agreements (*4)

     5,372        —          5,372        5,372        —          —    

Domestic exchanges payable (*3)(*5)

     31,538,065        27,338,204        4,199,861        3,408,953        —          790,908  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     41,313,632        27,338,204        13,975,428        12,118,939        208,955        1,647,534  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The items include derivatives held for trading, derivatives held for hedging and equity-linked securities.

(*2)

The items are included in loan at amortized cost and other financial assets.

(*3)

The items are included in other financial liabilities.

(*4)

The items are included in borrowings.

(*5)

Certain financial assets and liabilities are presented as net amounts.

 

     December 31, 2017  
     Gross
amounts of
recognized
financial
assets
     Gross
amounts of
recognized
financial
assets set off
     Net
amounts of
financial
assets
presented
     Related amounts not set off in
the consolidated statement of
financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
received
 

Financial assets:

                 

Derivative assets and others (*1)

     2,992,476        1,710        2,990,766        5,787,448        174,415        796,629  

Receivable spot exchange (*2)

     3,767,726        —          3,767,726  

Bonds purchased under resale agreements (*2)

     16,859,064        —          16,859,064        16,859,064        —          —    

Domestic exchanges receivable (*2)(*5)

     39,050,227        38,985,354        64,873        —          —          64,873  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     62,669,493        38,987,064        23,682,429        22,646,512        174,415        861,502  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Gross
amounts of
recognized
financial
liabilities
     Gross
amounts of
recognized
financial
liabilities set
off
     Net
amounts of
financial
liabilities
presented
     Related amounts not set off in
the consolidated statement of
financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
pledged
 

Financial liabilities:

                 

Derivative liabilities and others (*1)

     3,160,217        1,710        3,158,507        5,866,682        157,750        857,961  

Payable spot exchange (*3)

     3,723,886        —          3,723,886  

Bonds sold under repurchase agreements (*4)

     3,173        —          3,173        3,173        —          —    

Domestic exchanges payable (*3)(*5)

     40,284,515        38,985,354        1,299,161        1,293,931        —          5,230  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     47,171,791        38,987,064        8,184,727        7,163,786        157,750        863,191  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The items include derivatives held for trading, derivatives for hedging and equity linked securities.

(*2)

The items are included in loans and receivables.

(*3)

The items are included in other financial liabilities.

(*4)

The items are included in borrowings.

(*5)

Certain financial assets and liabilities are presented at as net amounts.

 

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13. INVESTMENTS IN JOINT VENTURES AND ASSOCIATES

 

(1)

Investments in joint ventures and associates accounted for using the equity method of accounting are as follows (Unit: Korean Won in millions):

 

          Percentage of
ownership (%)
     Financial
statements as of
(2018)
 

Joint ventures and Associates

  

Main business

   June 30,
2018
     December 31,
2017
 

Woori Bank:

           

Kumho Tire Co., Inc. (*1)(*2)

   Manufacturing      14.2        14.2        March 31  (*3) 

Woori Service Networks Co., Ltd. (*4)

   Freight & staffing services      4.9        4.9        May 31  (*3) 

Korea Credit Bureau Co., Ltd. (*5)

   Credit information      9.9        9.9        June 30  

Korea Finance Security Co., Ltd. (*4)

   Security service      15.0        15.0        May 31  (*3) 

Chin Hung International Inc. (*2)

   Construction      25.3        25.3        May 31  (*3) 

Poonglim Industrial Co., Ltd. (*6)(*9)

   Construction      —          29.4        —    

STX Engine Co., Ltd. (*10)

   Manufacturing      —          29.2        —    

STX Corporation (*1)(*11)

   Wholesale of non-specialized goods      19.7        19.7        May 31  (*3) 

Saman Corporation (*5)

   General construction Technology service      9.2        9.2        May 31  (*3) 

Dongwoo C & C Co., Ltd. (*6)

   Construction      23.2        23.2        —    

SJCO Co., Ltd. (*6)

   Aggregate transportation and wholesale      26.5        26.5        —    

G2 Collection Co., Ltd. (*6)

   Wholesale and retail sales      28.9        28.9        —    

The Base Enterprise Co., Ltd. (*6)

   Manufacturing      48.4        48.4        —    

Kyesan Engineering Co., Ltd. (*6)

   Construction      23.2        23.2        —    

Good Software Lap Co., Ltd. (*6)

   Service      28.9        28.9        —    

Wongwang Co., Ltd. (*6)

   Wholesale and real estate      29.0        29.0        —    

Sejin Construction Co., Ltd. (*6)

   Construction      29.6        29.6        —    

QTS Shipping Co., Ltd. (*6)

   Composite transportation Arrangement      49.4        49.4        —    

DAEA SNC Co., Ltd. (*6)

   Wholesale and retail sales      24.0        24.0     

ARES-TECH Co., Ltd. (*6)

   Electronic component manufacturing      23.4        23.4        —    

Reading Doctors Co., Ltd. (*6)

   Other service business      35.4        35.4        —    

PREXCO Co., Ltd. (*6)

   Manufacturing      28.1        28.1        —    

Hyunwoo International Co., Ltd. (*6)

   Manufacturing      25.9        25.9        —    

Jiwon Plating Co., Ltd. (*6)

   Plating      20.5        20.5        —    

Cultizm Korea LTD Co., Ltd. (*6)

   Wholesale and retail sales      31.3        31.3        —    

Gil Co.,Ltd. (*6)

   Manufacturing      26.1        26.1        —    

NK Eng Co., Ltd. (*6)

   Manufacturing      23.1        23.1        —    

Youngdong Sea Food Co., Ltd. (*6)(*7)

   Processed sea food manufacturing      24.0        —          —    

Woori Growth Partnerships New Technology Private Equity Fund

   Other financial business      23.1        23.1        June 30  

2016KIF-IMM Woori Bank Technology Venture Fund

   Other financial business      20.0        20.0        June 30  

K BANK Co., Ltd. (*5)

   Finance      13.0        13.0        May 31  (*3) 

Smart Private Equity Fund No.2

   Other financial business      20.0        20.0        June 30  

Woori Bank-Company K Korea Movie Asset Fund

   Other financial business      25.0        25.0        June 30  

Well to Sea No. 3 Private Equity Fund (*12)

   Finance      50.0        50.0        March 31  (*3) 

Partner One Value Up I Private Equity Fund (*8)

   Other financial business      23.3        —          June 30  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership (*8)

   Other Finance business      20.0        —          June 30  

Woori Investment Bank Co., Ltd.:

           

Nomura-Rifa Private Real Estate Investment Trust No.17

   Other financial business      21.9        25.0        June 30  

 

(*1)

The Group has significant influence on these entities through its position in the creditors’ council which is the decision making body regarding to financial and operational policies of associates.

(*2)

The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. (current period: KRW 6,310, previous year: KRW 4,425), Chin Hung International Inc. (current period: KRW 1,935, previous year: KRW 1,915).

 

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Table of Contents
(*3)

The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.

(*4)

Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017.

(*5)

The Group can participate in decision-making body and exercise significant influence over associates through business partnerships.

(*6)

The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.

(*7)

As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration.

(*8)

Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates.

(*9)

The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018.

(*10)

The entity was sold after it was transferred to assets held for sale for the year ended June 30, 2018.

(*11)

The shares of STX Corporation owned by the Group were reclassified as assets held for sale, as the creditor financial institutions committee entered into a contract with AFC Korea Co., Ltd. during the previous year to sell STX Corporation shares.

(*12)

The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them.

 

(2)

Changes in the carrying value of investments in joint ventures and associates accounted for using the equity method of accounting are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Acquisition
cost
    January 1,
2018
    Share of
profits
(losses)
    Acquisition     Disposal
and others
(*1)
    Dividends     Change in
Capital
    June 30,
2018
 

Kumho Tire Co., Inc.

    175,652       98,933       (10,451     —         —         —         (5,196     83,286  

Woori Service Networks Co., Ltd.

    108       158       (20     —         —         —         —         138  

Korea Credit Bureau Co., Ltd.

    3,313       5,816       692       —         —         (113     —         6,395  

Korea Finance Security Co., Ltd.

    3,267       3,519       4       —         —         (54     1       3,470  

Chin Hung International Inc.

    130,779       45,101       3,179       —         —         —         (484     47,796  

Poonglim Industrial Co., Ltd.

    13,916       —         —         —         —         —         —         —    

STX Corporation

    50,760       6,947       (816     —         (5,865     —         (266     —    

Saman Corporation

    8,521       1,254       (48     —         —         —         34       1,240  

Woori Growth Partnerships New Technology Private Equity Fund

    28,833       27,611       1,139       —         (3,346     (484     —         24,920  

2016KIF-IMM Woori Bank Technology Venture Fund

    6,840       6,840       —         6,780       —         —         —         13,620  

K BANK Co., Ltd.

    45,392       31,735       (5,384     —         —         —         7       26,358  

Smart Private Equity Fund No.2

    3,000       2,932       (21     —         —         —         —         2,911  

Woori Bank-Company K Korea Movie Asset Fund

    3,000       2,957       10       —         —         —         —         2,967  

Well to Sea No.3 Private Equity Fund

    101,992       182,309       10,321       —         (508     —         (6,423     185,699  

Partner One Value Up I Private Equity Fund

    10,000       —         (13     10,000       —         —         —         9,987  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

    3,268       —         —         3,268       —         —         —         3,268  

Nomura-Rifa Private Real Estate Investment Trust No.17

    1,000       939       (54     —         —         —         —         885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    589,641       417,051       (1,462     20,048       (9,719     (651     (12,327     412,940  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Investments in joint ventures and associates decreased by 5,865 million Won through transfers to assets held for sale which occurred during the six months ended June 30, 2018.

 

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    For the six months ended June 30, 2017  
    Acquisition
cost
    January 1,
2017
    Share of
profits
(losses)
    Acquisition
(*1)
    Disposal
and others
(*2)
    Dividends     Change in
Capital
    Others
(*1)
    June 30,
2017
 

Woori Blackstone Korea Opportunity No.1 Private Equity Fund

    6,881       15,289       (1,460     —         —         —         —         —         13,829  

Kumho Tire Co., Inc.

    175,652       200,332       2       —         —         —         (1,623     —         198,711  

Woori Service Networks Co., Ltd.

    108       145       (10     —         —         (8     —         —         127  

Korea Credit Bureau Co., Ltd.

    3,313       5,592       508       —         —         (149     —         —         5,951  

Korea Finance Security Co., Ltd.

    3,266       3,376       63       —         —         (54     —         —         3,385  

Chin Hung International Inc.

    89,725       43,032       (20,050     41,053       —         —         171       (25,966     38,240  

Poonglim Industrial Co., Ltd.

    13,916       —         —         —         —         —         —         —         —    

STX Engine Co., Ltd.

    92,038       43,036       722       —         —         —         4,047       —         47,805  

SamHo Co., Ltd.

    7,492       19,729       2,021       —         (16,354     —         (73     (5,323     —    

STX Corporation

    42,215       —         (33,739     8,546       —         —         (215     27,772       2,364  

Saman Corporation

    8,521       8,699       (96     —         —         —         26       —         8,629  

Woori Growth Partnerships New Technology Private Equity Fund

    13,602       13,118       (371     5,745       (498     —         (156     —         17,838  

2016KIF-IMM Woori Bank Technology Venture Fund

    1,800       1,800       —         3,240       —         —         —         —         5,040  

K BANK Co., Ltd.

    32,500       30,442       (5,861     —         —         —         (139     —         24,442  

Smart Private Equity Fund No.2

    3,000       —         (47     3,000       —         —         —         —         2,953  

Woori Bank-Company K Korea Movie Asset Fund

    1,500       —         (15     1,500       —         —         —         —         1,485  

Woori Renaissance Holdings

    63,000       54,422       (622     —         —         (57,109     —         3,309       —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    558,529       439,012       (58,955     63,084       (16,852     (57,320     2,038       (208     370,799  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Changes in investments in joint ventures and associates due to debt-equity swap is 51,405 million Won.

(*2)

Investments in joint ventures and associates decreased by 16,354 million Won through transfers to assets held for sale occurred for the six months ended June 30, 2017.

 

(3)

Summary financial information relating to investments in joint ventures and associates accounted for using the equity method of accounting is as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
 

Kumho Tire Co., Inc.

     4,513,972        3,521,608        624,981        (10,774

Woori Service Networks Co., Ltd.

     4,909        2,111        7,250        456  

Korea Credit Bureau Co., Ltd.

     80,792        18,764        37,342        5,919  

Korea Finance Security Co., Ltd.

     32,635        9,501        27,161        91  

Chin Hung International Inc.

     403,962        311,502        263,861        19,062  

Saman Corporation

     89,932        61,583        26,418        (326

Woori Growth Partnerships New Technology Private Equity Fund

     108,427        441        7,865        4,936  

2016KIF-IMM Woori Bank Technology Venture Fund

     65,760        383        6        (754

K BANK Co., Ltd.

     1,758,930        1,557,206        24,296        (32,126

Smart Private Equity Fund No.2

     14,605        51        1        (106

Woori Bank-Company K Korea Movie Asset Fund

     11,872        3        893        769  

Well to Sea No.3 Private Equity Fund

     5,297,764        4,759,158        140,041        13,450  

Partner One Value Up I Private Equity Fund

     43,114        172        114        (58

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

     15,843        744        4        (822

Nomura-Rifa Private Real Estate Investment Trust No.17

     20,433        16,407        56        (55

 

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Table of Contents
     December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
 

Kumho Tire Co., Inc.

     5,105,107        3,928,327        2,136,569        (61,748

Woori Service Networks Co., Ltd.

     4,982        1,780        14,887        1,003  

Korea Credit Bureau Co., Ltd.

     75,504        19,323        68,750        3,580  

Korea Finance Security Co., Ltd.

     33,915        10,461        55,610        1,071  

Chin Hung International Inc.

     341,284        259,454        513,285        28,698  

Poonglim Industrial Co., Ltd.

     241,063        309,925        107,360        (29,812

STX Corporation

     595,348        543,458        1,371,272        342,869  

Saman Corporation

     98,435        69,929        76,135        (6,096

Woori Growth Partnerships New Technology Private Equity Fund

     120,133        485        1,024        (3,199

2016KIF-IMM Woori Bank Technology Venture Fund

     32,815        380        6        (1,515

K BANK Co., Ltd.

     1,244,270        1,001,121        19,231        (74,403

Smart Private Equity Fund No.2

     14,711        51        1        (340

Woori Bank-Company K Korea Movie Asset Fund

     11,830        2        16        (172

Well to Sea No.3 Private Equity Fund

     5,068,424        4,534,957        131,488        162,743  

Nomura-Rifa Private Real Estate Investment Trust No.17

     20,265        16,507        62        (242

 

(4)

The entities that the Group has not applied equity method of accounting although the Group’s ownership interest is more than 20% as of June 30, 2018 and December 31, 2017 are as follows:

 

     June 30, 2018  

Associate (*)

   Number of shares owned      Ownership (%)  

Poonglim Industrial Co., Ltd.

     4,142,782        29.1  

Orient Shipyard Co., Ltd.

     464,812        21.4  

Saenuel Co., Ltd.

     3,531        37.4  

E Mirae Tech Co., Ltd.

     7,696        41.0  

Jehin Trading Co., Ltd.

     81,610        27.3  

The season Co., Ltd.

     18,187        30.1  

Yuil PESC Co., Ltd.

     8,642        24.0  

Sinseong Trading Co., Ltd.

     2,584        27.2  

CL Tech Co., Ltd.

     13,759        38.6  

Force TEC Co., Ltd.

     4,780,907        25.8  

Protronics Co., Ltd.

     95,921        48.1  

Instern Co., Ltd.

     14,296        20.1  

 

(*)

Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.

 

     As of December 31, 2017  

Associate (*)

   Number of shares owned      Ownership (%)  

Orient Shipyard Co., Ltd.

     465,050        21.4  

Saenuel Co., Ltd.

     3,531        37.4  

E Mirae Tech Co., Ltd.

     7,696        41.0  

Jehin Trading Co., Ltd.

     81,610        27.3  

The season Co., Ltd.

     18,187        30.1  

Yuil PESC Co., Ltd.

     8,642        24.0  

Youngdong Sea Food Co., Ltd.

     12,106        24.0  

Sinseong Trading Co., Ltd.

     2,584        27.2  

CL Tech Co., Ltd.

     13,759        38.6  

Force TEC Co., Ltd.

     4,780,907        25.8  

Protronics Co., Ltd.

     95,921        48.1  

Instern Co., Ltd.

     14,296        20.1  

 

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Table of Contents
(*)

Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.

 

(5)

As of June 30, 2018 and December 31, 2017, the reconciliations from the net assets of associates based on the ownership ratio of the Group to its corresponding book value of investment in joint ventures and associates are as follows (Unit: Korean Won in millions except for ownership):

 

    June 30, 2018  
    Total net
asset
    Ownership
(%)
    Ownership
portion of net
assets
    Cost-book
value
differential
and others
    Impairment     Intercompany
transaction
and others
    Book
value
 

Kumho Tire Co., Inc. (*)

    954,857       14.2       135,122       48,459       (102,843     2,548       83,286  

Woori Service Networks Co., Ltd.

    2,798       4.9       138       —         —         —         138  

Korea Credit Bureau Co., Ltd.

    62,028       9.9       6,149       246       —         —         6,395  

Korea Finance Security Co., Ltd.

    23,134       15.0       3,470       —         —         —         3,470  

Chin Hung International Inc. (*)

    92,316       25.3       23,361       24,565       —         (130     47,796  

Saman Corporation

    28,349       9.2       2,605       5,373       (6,738     —         1,240  

Woori Growth Partnerships New Technology Private Equity Fund

    107,986       23.1       24,920       —         —         —         24,920  

2016KIF-IMM Woori Bank Technology Venture Fund

    65,377       20.0       13,075       —         —         545       13,620  

K BANK Co., Ltd.

    201,724       13.0       26,162       —         —         196       26,358  

Smart Private Equity Fund No.2

    14,554       20.0       2,911       —         —         —         2,911  

Woori Bank-Company K Korea Movie Asset Fund

    11,869       25.0       2,967       —         —         —         2,967  

Well to Sea No.3 Private Equity Fund (*)

    371,813       50.0       185,816       —         —         (117     185,699  

Partner One Value Up I Private Equity Fund

    42,942       23.3       9,987       —         —         —         9,987  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

    15,099       20.0       3,020       —         —         248       3,268  

Nomura-Rifa Private Real Estate Investment Trust No.17

    4,026       21.9       882       —         —         3       885  

 

(*)

The net asset amount is after reflecting debt-equity swap and others.

 

    December 31, 2017  
    Total net
asset
    Ownership
(%)
    Ownership
portion of net
assets
    Cost-book
value
differential
and others
    Impairment     Intercompany
transaction
and others
    Book
value
 

Kumho Tire Co., Inc. (*)

    1,065,421       14.2       150,767       48,459       (102,843     2,550       98,933  

Woori Service Networks Co., Ltd.

    3,202       4.9       158       —         —         —         158  

Korea Credit Bureau Co., Ltd.

    56,181       9.9       5,568       248       —         —         5,816  

Korea Finance Security Co., Ltd.

    23,454       15.0       3,519       —         —         —         3,519  

Chin Hung International Inc. (*)

    81,686       25.3       20,671       24,565       —         (135     45,101  

Poonglim Industrial Co., Ltd. (*)

    (168,154     29.4       (49,446     54,542       (20,504     15,408       —    

STX Corporation

    51,890       19.7       10,232       24,614       (27,904     5       6,947  

Saman Corporation

    28,506       9.2       2,619       5,373       (6,738     —         1,254  

Woori Growth Partnerships New Technology Private Equity Fund

    119,648       23.1       27,611       —         —         —         27,611  

2016KIF-IMM Woori Bank Technology Venture Fund

    32,435       20.0       6,487       —         —         353       6,840  

K BANK Co., Ltd.

    243,149       13.0       31,535       —         —         200       31,735  

Smart Private Equity Fund No.2

    14,660       20.0       2,932       —         —         —         2,932  

Woori Bank-Company K Korea Movie Asset Fund

    11,828       25.0       2,957       —         —         —         2,957  

Well to Sea No.3 Private Equity Fund (*)

    364,909       50.0       182,366       —         —         (57     182,309  

Nomura-Rifa Private Real Estate Investment Trust No.17

    3,758       25.0       939       —         —         —         939  

 

(*)

The net asset amount is after reflecting debt-equity swap and others.

 

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Table of Contents

14. INVESTMENT PROPERTIES

 

(1)

Details of investment properties are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Acquisition cost

     417,692        404,741  

Accumulated depreciation

     (36,515      (33,440
  

 

 

    

 

 

 

Net carrying value

     381,177        371,301  
  

 

 

    

 

 

 

 

(2)

Changes in investment properties are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30  
     2018     2017  

Beginning balance

     371,301       358,497  

Acquisition

     7,311       1,221  

Disposal

     (1,738     (225

Depreciation

     (2,010     (1,991

Transfers

     6,333       (2,708

Classified to held for sale

     —         (534

Foreign currencies translation adjustments

     (79     (120

Others

     59       5,797  
  

 

 

   

 

 

 

Ending balance

     381,177       359,937  
  

 

 

   

 

 

 

 

(3)

Rental fee earned from investment properties is amounting to 2,396 million Won and 2,411 million Won for the six months ended June 30, 2018 and 2017, respectively.

15. PREMISES AND EQUIPMENT

 

(1)

Details of premises and equipment are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Land      Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
     Structures     Total  

Acquisition cost

     1,482,169        863,503       1,105,029       441,835       4,421        20       3,896,977  

Accumulated depreciation

     —          (197,688     (868,768     (379,750     —          (17     (1,446,223
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Net carrying value

     1,482,169        665,815       236,261       62,085       4,421        3       2,450,754  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

 

     December 31, 2017  
     Land      Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
     Structures     Total  

Acquisition cost

     1,487,278        867,804       1,024,186       429,665       64,559        20       3,873,512  

Accumulated depreciation

     —          (186,958     (844,114     (364,878     —          (17     (1,395,967
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Net carrying value

     1,487,278        680,846       180,072       64,787       64,559        3       2,477,545  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

 

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(2)

Details of changes in premises and equipment are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Land     Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
    Structures     Total  

Beginning balance

     1,487,278       680,846       180,072       64,787       64,559       3       2,477,545  

Acquisitions

     463       4,326       27,635       6,928       3,342       —         42,694  

Disposals

     —         —         (72     (89     —         —         (161

Depreciation

     —         (12,960     (36,144     (17,696     —         —         (66,800

Classified to held for sale

     (3,573     (2,477     —         —         —         —         (6,050

Transfer

     (1,910     (4,423     63,433       —         (63,433     —         (6,333

Foreign currencies translation adjustments

     (89     (121     352       489       (47     —         584  

Acquisition through business combination

     —         —         969       661       —         —         1,630  

Others

     —         624       16       7,005       —         —         7,645  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     1,482,169       665,815       236,261       62,085       4,421       3       2,450,754  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
     For the six months ended June 30, 2017  
     Land     Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
    Structures     Total  

Beginning balance

     1,488,745       691,699       189,902       68,958       18,717       4       2,458,025  

Acquisitions

     —         3,831       31,624       8,120       25,053       —         68,628  

Disposals

     (606     (205     (235     (423     —         —         (1,469

Depreciation

     —         (13,029     (38,063     (18,253     —         (1     (69,346

Classified to assets held for sale

     (1,743     (441     —         —         —         —         (2,184

Transfer

     2,466       403       5,485       —         (5,646     —         2,708  

Foreign currencies translation adjustments

     (596     (560     (676     (675     (247     —         (2,754

Others

     —         (6     188       5,386       —         —         5,568  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     1,488,266       681,692       188,225       63,113       37,877       3       2,459,176  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

16. INTANGIBLE ASSETS

 

(1)

Details of intangible assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Goodwill      Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
     Total  

Acquisition cost

     154,644        208,383       1,180       463,361       717,332       26,087       8,978        1,579,965  

Accumulated amortization

     —          (170,700     (611     (199,179     (550,996     —         —          (921,486

Accumulated impairment losses

     —          —         —         —         (137     (4,828     —          (4,965
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

Net carrying value

     154,644        37,683       569       264,182       166,199       21,259       8,978        653,514  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 
     December 31, 2017  
     Goodwill      Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
     Total  

Acquisition cost

     108,707        203,418       1,063       260,087       634,150       27,337       153,209        1,387,971  

Accumulated amortization

     —          (162,746     (524     (182,846     (516,467     —         —          (862,583

Accumulated impairment losses

     —          —         —         —         (137     (6,652     —          (6,789
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

Net carrying value

     108,707        40,672       539       77,241       117,546       20,685       153,209        518,599  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

 

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(2)

Details of changes in intangible assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Goodwill     Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
    Total  

Beginning balance

     108,707       40,672       539       77,241       117,546       20,685       153,209       518,599  

Acquisitions

     —         3,737       117       21,455       36,191       2,311       84,318       148,129  

Disposal

     —         —         —         —         —         (2,107     —         (2,107

Amortization (*)

     —         (7,510     (87     (16,317     (34,162     —         —         (58,076

Reversal of impairment loss

     —         —         —         —         —         339       —         339  

Transfer

     —         —         —         181,803       46,746       —         (228,549     —    

Acquisition through business combination

     47,406       763       —         —         —         —         —         48,169  

Foreign currencies translation adjustment

     (1,469     21       —         —         243       74       —         (1,131

Others

     —         —         —         —         (365     (43     —         (408
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     154,644       37,683       569       264,182       166,199       21,259       8,978       653,514  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Amortization of other intangible assets amounting to 25,179 million Won is included in other operating expenses.

 

     June 30, 2017  
     Goodwill     Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
    Total  

Beginning balance

     124,803       35,477       313       70,697       164,364       20,086       67,999       483,739  

Acquisitions

     105       10,152       54       12,628       10,276       480       55,984       89,679  

Disposal

     —         —         —         —         —         (866     —         (866

Amortization (*)

     —         (8,064     (56     (11,515     (30,389     —         —         (50,024

Impairment loss

     —         —         —         —         —         (128     —         (128

Transfer

     —         8,091       —         —         36       —         (8,127     —    

Foreign currencies translation adjustment

     (7,479     (68     —         —         (1,053     (81     (383     (9,064

Others

     —         (22     —         (55     (6,371     (6     —         (6,454
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     117,429       45,566       311       71,755       136,863       19,485       115,473       506,882  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Amortization of other intangible assets amounting to 24,443 million Won is included in other operating expenses.

17. ASSETS HELD FOR SALE

Assets held for sale are as follows (Unit: Korean Won in millions):

 

     June 30,
2018
     December 31,
2017
 

Investments in joint ventures and associates

     5,865        46,217  

Premises and equipment, etc (*)

     12,840        2,407  
  

 

 

    

 

 

 

Total

     18,705        48,624  
  

 

 

    

 

 

 

 

(*)

As of June 30, 2018 and December 31, 2017, non-operating assets of the subsidiaries include land and buildings classified as assets held for sale amounting to 5,223 million Won and 840 million Won, respectively.

 

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18.

ASSETS SUBJECT TO LIEN AND ASSETS ACQUIRED THROUGH FORECLOSURES

 

(1)

Assets subjected to lien are as follows (Unit: Korean Won in millions):

 

       

June 30, 2018

       

Collateral given to

  Amount    

Reason for collateral

Loan at amortized cost and other financial assets

 

Due from banks on time in local currency

  DaishinAMC and others     1,500     Right of pledge
 

Due from banks in local currencies

 

Samsung Securities Co., Ltd. and others

    19,698    

Margin deposit for futures or option

 

Due from banks in foreign currencies

 

Korea Investment & Securities Co., Ltd. and others

    135,515    

Foreign margin deposit for future or option and others

Financial assets at FVTPL  

Korean financial institutions’ debt securities and others

 

Kyobo Life Insurance Co., Ltd. and others

    72,915     CSA collateral and others
Financial assets at FVTOCI  

Korean treasury and corporate bonds

 

Korea Securities Depository

    10,002    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     1,621,221     Settlement risk and others
Securities at amortized cost  

Korean treasury and government bonds

 

Korea Securities Depository

    5,444    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     4,908,149     Settlement risk and others
Premises and equipment   Land and building  

Credit Counselling & Recovery Service and others

    6,065    

Right to collateral and others

     

 

 

   
    Total     6,780,509    
     

 

 

   

 

(*)

The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements).

 

       

December 31, 2017

       

Collateral given to

  Amount    

Reason for collateral

Loan and receivables  

Due from banks on time in local currency

  Bank of China and others     6,629    

Collaterals for issuing letter of guarantee and others

 

Due from banks in local currencies

 

Samsung Securities Co., Ltd. and others

    10,809    

Margin deposit for futures or option

 

Due from banks in foreign currencies

 

Korea Investment & Securities Co., Ltd. and others

    9,136    

Foreign margin deposit for future or option and others

Financial assets at FVTPL  

Korean financial institutions’ debt securities and others

 

Yuanta Securities Co., Ltd. and others

    501,523    

Substitute securities and others

AFS financial assets  

Korean treasury and corporate bonds

 

Korea Securities Depository and others

    9,998    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     1,570,608     Settlement risk and others
HTM financial assets  

Korean treasury and government bonds

 

Korea Securities Depository

    5,436    

Related to bonds sold under repurchase agreements (*)

 

Korean financial institutions’ debt securities and others

  The BOK and others     7,605,292     Settlement risk and others
Premises and equipment   Land and building  

Credit Counselling & Recovery Service and others

    6,186     Leasehold rights and others
     

 

 

   
    Total     9,725,617    
     

 

 

   

 

(*)

The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements).

 

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(2)

The carrying amounts of assets acquired through foreclosure are as follows. (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Land

     327        332  

Buildings

     —          44  
  

 

 

    

 

 

 

Total

     327        376  
  

 

 

    

 

 

 

 

(3)

Securities loaned are as follows (Unit: Korean Won in millions):

 

          June 30,
2018
     December 31,
2017
    

Loaned to

Financial assets at FVTOCI

  

Korean treasury, corporate bonds and others

     50,139        —       

Korea Securities Finance Corporation

AFS financial assets

  

Korean treasury, government bonds and others

     —          170,256     

Korea Securities Finance Corporation and others

     

 

 

    

 

 

    

Total

     50,139        170,256     
  

 

 

    

 

 

    

Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned.

 

(4)

Collaterals held that can be disposed and re-subjected to lien regardless of defaults of counterparties

Fair values of collaterals held that can be disposed and re-subjected to lien regardless of defaults of counterparties as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Fair values of collaterals      Fair values of collaterals were
disposed or re-subjected to  lien
 

Securities

     7,303,137        —    
     December 31, 2017  
     Fair values of collaterals      Fair values of collaterals were
disposed or re-subjected to  lien
 

Securities

     17,671,490        —    

 

19.

OTHER ASSETS

Details of other assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Prepaid expenses

     165,150        130,245  

Advance payments

     24,879        18,363  

Non-operative assets

     327        376  

Others

     12,444        9,420  
  

 

 

    

 

 

 

Total

     202,800        158,404  
  

 

 

    

 

 

 

 

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20.

FINANCIAL LIABILITIES AT FVTPL

 

(1)

Financial liabilities at FVTPL are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

     2,402,235        —    

Financial liabilities held for trading

     —          3,176,113  

Financial liabilities at fair value through profit or loss designated as upon initial recognition

     176,097        —    

Financial liabilities designated as at FVTPL

     —          251,796  
  

 

 

    

 

 

 

Total

     2,578,332        3,427,909  
  

 

 

    

 

 

 

 

(2)

Financial liabilities at fair value through profit or loss mandatorily measured at fair value(Financial liabilities held for trading) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits

     

Gold banking liabilities

     24,485        25,964  

Derivative liabilities

     2,377,750        3,150,149  
  

 

 

    

 

 

 

Total

     2,402,235        3,176,113  
  

 

 

    

 

 

 

 

(3)

Financial liabilities at fair value through profit or loss designated as upon initial recognition(Financial liabilities designated as at FVTPL) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Equity linked securities index:

     

Equity linked securities index in short position

     176,097        160,057  

Debentures:

     

Debentures in local currency

     —          91,739  
  

 

 

    

 

 

 

Total

     176,097        251,796  
  

 

 

    

 

 

 

Financial liabilities at fair value through profit or loss designated are designated as such in order to eliminate or significantly reduce accounting mismatch arising from recognition or measurement.

 

(4)

Credit risk adjustments to financial liabilities at fair value through profit or loss designated as upon initial recognition(Financial liabilities designated as at FVTPL) are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Financial liabilities at fair value through profit or loss designated as upon initial recognition

     176,097        —    

Financial liabilities designated as at FVTPL

     —          616,177  

Changes in fair value for credit risk adjustments

     (179      (261

Accumulated changes in credit risk adjustments

     (39      89  

 

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The adjustment to reflect Group’s credit risk is considered in measuring the fair value of derivatives. The Group’s credit risk is determined by adjusting credit spread observed in credit rating of bank.

 

(5)

The difference between financial liabilities at fair value through profit or loss designated as upon initial recognition’s(Financial liabilities designated as at FVTPL) carrying amount and nominal amount at maturity is as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Carrying amount

     176,097        251,796  

Nominal amount at maturity

     212,259        255,408  
  

 

 

    

 

 

 

Difference

     (36,162      (3,612
  

 

 

    

 

 

 

 

(6)

Changes in equity in relation to Financial liabilities at fair value through profit or loss designated as upon initial recognition

 

  1)

Realized cumulative gain or loss designated in other comprehensive income due to derecognition of financial liabilities designated at FVTPL is nil for the six months ended June 30, 2018.

 

  2)

Cumulative gains on financial liabilities designated at FVTPL replaced to retained earnings from other comprehensive income are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  

Equity-linked securities index:

     (8

 

21.

DEPOSITS DUE TO CUSTOMERS

Details of deposits due to customers by type are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits in local currency:

     

Deposits on demand

     9,337,563        9,349,070  

Deposits at termination

     198,768,356        194,292,679  

Mutual installment

     32,292        34,055  

Deposits on notes payables

     1,705,871        1,323,679  

Deposits on CMA

     154,782        164,431  

Certificate of deposits

     4,592,575        4,436,443  

Other deposits

     1,401,853        1,451,841  
  

 

 

    

 

 

 

Subtotal

     215,993,292        211,052,198  
  

 

 

    

 

 

 

Deposits in foreign currency:

     

Deposits in foreign currencies

     21,950,041        23,682,896  
  

 

 

    

 

 

 

Present value discount

     (43,167      (40,010
  

 

 

    

 

 

 

Total

     237,900,166        234,695,084  
  

 

 

    

 

 

 

 

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22.

BORROWINGS AND DEBENTURES

 

(1)

Details of borrowings are as follows (Unit: Korean Won in millions):

 

    

June 30, 2018

 
    

Lenders

   Interest rate (%)      Amount  

Borrowings in local currency:

        

Borrowings from The BOK

   The BOK      0.5 ~ 0.8        1,420,990  

Borrowings from government funds

  

Small Enterprise And Market Service and others

     0.0 ~ 2.5        1,782,603  

Others

  

The Korea Development Bank and others

     0.0 ~ 4.0        4,665,845  
        

 

 

 

Subtotal

           7,869,438  
        

 

 

 

Borrowings in foreign currencies:

        

Borrowings in foreign currencies

  

The Export-Import Bank of Korea and others

     0.0 ~ 6.5        7,148,402  

Offshore borrowings in foreign currencies

   JPMORGAN CHASE BANK      2.8        33,651  
        

 

 

 

Subtotal

           7,182,053  
        

 

 

 

Bills sold

   Others      0.0 ~ 1.2        23,874  

Call money

   Bank and others      0.0 ~ 6.3        818,889  

Bonds sold under repurchase agreements

   Other financial institutions      0.7 ~ 12.7        5,372  

Present value discount

           (27
        

 

 

 

Total

           15,899,599  
        

 

 

 
    

December 31, 2017

 
    

Lenders

   Interest rate (%)      Amount  

Borrowings in local currency:

        

Borrowings from The BOK

   The BOK      0.5 ~ 0.8        1,404,087  

Borrowings from government funds

  

Small Enterprise And Market Service and others

     0.0 ~ 2.9        1,723,340  

Others

  

The Korea Development Bank and others

     0.0 ~ 3.2        3,957,421  
        

 

 

 

Subtotal

           7,084,848  
        

 

 

 

Borrowings in foreign currencies:

        

Borrowings in foreign currencies

  

The Export-Import Bank of Korea and others

     0.0 ~ 6.8        6,996,551  

Offshore borrowings in foreign currencies

   Commonwealth Bank      1.8        28,285  
        

 

 

 

Subtotal

           7,024,836  
        

 

 

 

Bills sold

   Others      0.0 ~ 1.2        36,953  

Call money

   Bank and others      1.5 ~ 2.7        635,061  

Bonds sold under repurchase agreements

   Other financial institutions      0.6 ~ 12.7        3,173  

Present value discount

           (165
        

 

 

 

Total

           14,784,706  
        

 

 

 

 

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(2)

Details of debentures are as follows (Unit: Korean Won in millions):

 

     June 30, 2018     December 31, 2017  
     Interest rate
(%)
     Amount     Interest rate
(%)
     Amount  

Face value of bond(*):

          

Ordinary bonds

     1.5 ~ 4.5        21,105,565       1.5 ~ 5.8        22,468,908  

Subordinated bonds

     3.0 ~ 12.6        5,006,632       3.4 ~ 12.6        4,781,301  

Other bonds

     1.9 ~ 17.0        676,144       1.6 ~ 17.0        649,615  
     

 

 

      

 

 

 

Subtotal

        26,788,341          27,899,824  
     

 

 

      

 

 

 

Discounts on bonds

        (35,616        (30,173
     

 

 

      

 

 

 

Total

        26,752,725          27,869,651  
     

 

 

      

 

 

 

 

(*)

Included debentures under fair value hedge relationships are 3,150,145 million Won and 3,089,751 million Won as of June 30, 2018 and December 31, 2017, respectively. Also, debentures under cash flow hedge amounting to 724,487 million Won and 694,548 million Won are included as of June 30, 2018 and December 31, 2017.

 

23.

PROVISIONS

 

(1)

Details of provisions are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Asset retirement obligation

     67,458        61,872  

Provisions for guarantees (*1)

     106,827        183,247  

Provisions for unused commitments

     101,874        66,115  

Provisions for customer reward credits

     46,735        40,445  

Other provisions (*2)

     63,480        58,791  
  

 

 

    

 

 

 

Total

     386,374        410,470  
  

 

 

    

 

 

 

 

(*1)

Provisions for guarantees includes provision for financial guarantee of 54,896 million Won and 71,697 million Won as of June 30, 2018 and December 31, 2017, respectively.

(*2)

Other provisions consist of provision for litigation and others.

 

(2)

Changes in provisions for guarantees and loan commitments are as follows (Unit: Korean Won in millions):

 

  1)

Provisions for guarantees

 

     For the six months ended June 30, 2018  
     Stage1     Stage2     Stage3     Total  

Beginning balance (*)

     47,132       18,281       127,511       192,924  

Replaced by 12-month expected credit loss

     76       (76     —         —    

Replaced with expected credit loss for the entire period

     (954     58,894       (57,940     —    

Replaced with credit-impaired financial assets

     (21     (20     41       —    

Provisions used

     (8,506     —         —         (8,506

Net reversal of unused amount

     (4,873     (46,344     (35,773     (86,990

Others

     9,393       6       —         9,399  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     42,247       30,741       33,839       106,827  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

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     For the six months ended
June 30, 2017
 

Beginning balance

     238,117  

Provisions provided

     1,003  

Provisions used

     (12,335

Reversal of provisions unused

     (45,971

Foreign currencies translation adjustments

     20  

Others

     7,920  
  

 

 

 

Ending balance

     188,754  
  

 

 

 

 

  2)

Provisions for unused commitment

 

     For the six months ended June 30, 2018  
     Stage1     Stage2     Stage3     Total  

Beginning balance (*)

     75,232       27,875       1,878       104,985  

Replaced by 12-month expected credit loss

     6,262       (6,145     (117     —    

Replaced with expected credit loss for the entire period

     (2,543     2,614       (71     —    

Replaced with credit-impaired financial assets

     (159     (325     484       —    

Net provision(reversal) of unused amount

     (6,183     3,356       (328     (3,155

Others

     44       —         —         44  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     72,653       27,375       1,846       101,874  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

     For the six months ended
June 30, 2017
 

Beginning balance

     87,909  

Provisions provided

     491  

Provisions used

     (42

Reversal of provisions unused

     (5,736

Foreign currencies translation adjustments

     (1
  

 

 

 

Ending balance

     82,621  
  

 

 

 

 

(3)

Changes in asset retirement obligation are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Beginning balance

     61,872        58,076  

Provisions provided

     1,083        654  

Provisions used

     (295      (416

Reversal of provisions unused

     (993      (727

Amortization

     259        203  

Increase in restoration costs and others

     5,532        4,163  
  

 

 

    

 

 

 

Ending balance

     67,458        61,953  
  

 

 

    

 

 

 

The amount of the asset retirement obligation is the present value of the best estimate of future expected recovery cost arising from leased premises as of June 30, 2018, discounted by appropriate discount rate. The expenditure of the recovery cost is expected to occur by the end of each premise’s lease period, and the Group has used average lease period of each category of leases terminated during the past years in order to rationally estimate the

 

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lease period. In addition, the Group used average amount of actual recovery cost for the past 3 years and the average inflation rate for last year in order to estimate future recovery cost.

 

(4)

Changes in other provisions are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Provisions for
customer reward
credits
    Other
provisions
    Total  

Beginning balance

     40,445       58,791       99,236  

Provisions provided

     36,044       2,236       38,280  

Provisions used

     (48,891     (2,199     (51,090

Reversal of unused amount

     —         (40     (40

Foreign currencies translation adjustments

     —         (7     (7

Transfer (*)

     5,467       —         5,467  

Others

     13,670       4,699       18,369  
  

 

 

   

 

 

   

 

 

 

Ending balance

     46,735       63,480       110,215  
  

 

 

   

 

 

   

 

 

 

 

(*)

As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2018.

 

     For the six months ended June 30, 2017  
     Provisions for
customer reward
credits
    Other
provisions
    Total  

Beginning balance

     22,093       22,282       44,375  

Provisions provided

     32,208       2,390       34,598  

Provisions used

     (39,402     (9,013     (48,415

Reversal of unused amount

     —         (40     (40

Foreign currencies translation adjustments

     —         (146     (146

Transfer (*)

     11,482       —         11,482  

Amortization

     —         53       53  

Others

     5,667       128       5,795  
  

 

 

   

 

 

   

 

 

 

Ending balance

     32,048       15,654       47,702  
  

 

 

   

 

 

   

 

 

 

 

(*)

As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2017.

24. NET DEFINED BENEFIT LIABILITY

The characteristics of the Group’s defined benefit retirement pension plans characteristics are as follows:

Employees and directors with one or more years of service are entitled to receive a payment upon termination of their employment, based on their length of service and rate of pay at the time of termination. The assets of the plans are measured at their fair value at the end of reporting date. The plan liabilities are measured using the projected unit method, which takes account of projected earnings increases, using actuarial assumptions that give the best estimate of the future cash flows that will arise under the plan liabilities.

 

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The Group is exposed to various risks through defined benefit retirement pension plan, and the most significant risks are as follows:

 

Volatility of asset

  

The defined benefit obligation was estimated with an interest rate calculated based on blue chip corporate bonds earnings. A deficit may occur if the rate of return of plan assets falls short of the interest rate.

Decrease in profitability of blue chip bonds

  

A decrease in profitability of blue chip bonds will be offset by some increase in the value of debt securities that the employee benefit plan owns but will bring an increase in the defined benefit obligation.

Risk of inflation

  

Defined benefit obligations are related to inflation rate; the higher the inflation rate is, the higher the level of liabilities. Therefore, deficit occurs in the system if an inflation rate increases.

 

(1)

Details of net defined benefit liability are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Defined benefit obligation

     1,175,786        1,071,170  

Fair value of plan assets

     (1,075,927      (1,027,906
  

 

 

    

 

 

 

Net defined benefit liability

     99,859        43,264  
  

 

 

    

 

 

 

 

(2)

Changes in the carrying value of defined benefit obligation are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Beginning balance

     1,071,170        984,381  

Current service cost

     72,460        73,564  

Interest cost

     15,797        13,144  

Remeasurements

     72,374        4,639  

Foreign currencies translation adjustments

     8        (121

Retirement benefit paid

     (57,109      (31,022

Curtailment or settlement

     —          (10,076

Others

     1,086        127  
  

 

 

    

 

 

 

Ending balance

     1,175,786        1,034,636  
  

 

 

    

 

 

 

 

(3)

Changes in the plan assets are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Beginning balance

     1,027,906        990,653  

Interest income

     16,626        15,127  

Remeasurements

     (9,088      (7,847

Employer’s contributions

     96,273        18,000  

Retirement benefit paid

     (55,790      (29,431

Curtailment or settlement

     —          (10,396

Others

     —          43,113  
  

 

 

    

 

 

 

Ending balance

     1,075,927        1,019,219  
  

 

 

    

 

 

 

 

(4)

Plan assets wholly consist of time deposits as of June 30, 2018 and December 31, 2017, respectively. Among plan assets, realized returns on plan assets amount to 7,538 million Won and 7,280 million Won for the six months ended June 30, 2018 and 2017, respectively.

Meanwhile, the contribution expected to be paid in the current accounting year amounts to 125,818 million Won.

 

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(5)

Current service cost, net interest income, loss (gain) on the curtailment or settlement and remeasurements recognized in the consolidated statements of net income and total comprehensive income are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
    For the six months
ended June 30, 2017
 

Current service cost

     72,460       73,564  

Net interest income

     (829     (1,983

Loss (gain) on the curtailment or settlement

     —         321  
  

 

 

   

 

 

 

Cost recognized in net income

     71,631       71,902  
  

 

 

   

 

 

 

Remeasurements(*)

     81,462       12,486  
  

 

 

   

 

 

 

Cost recognized in total comprehensive income

     153,093       84,388  
  

 

 

   

 

 

 

 

(*)

This is an amount before considering the tax effects.

Retirement benefit service costs related to defined contribution plans amount to 1,304 million Won and 2,155 million Won for the six months ended June 30, 2018 and 2017, respectively.

 

(6)

Key actuarial assumptions used in defined benefit liability measurement are as follows:

 

     June 30, 2018   December 31, 2017

Discount rate

   3.25%   3.18%

Future wage growth rate

   6.18%   6.18%

Mortality rate

   Issued by Korea Insurance
Development Institute
  Issued by Korea Insurance
Development Institute

Retirement rate

   Experience rate for each
employment classification
  Experience rate for each
employment classification

The weighted average maturity of defined benefit liability is 12.94 years.

 

(7)

The sensitivity to actuarial assumptions used in the assessment of defined benefit obligation is as follows (Unit: Korean Won in millions):

 

          June 30, 2018      December 31, 2017  

Discount rate

   Increase by 1% point      (124,157      (116,405
   Decrease by 1% point      146,273        137,151  

Future wage growth rate

   Increase by 1% point      145,794        136,707  
   Decrease by 1% point      (125,567      (117,765

 

25.

OTHER FINANCIAL LIABILITIES AND OTHER LIABILITIES

Other financial liabilities and other liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Other financial liabilities:

     

Accounts payable

     9,021,786        4,692,320  

Accrued expenses

     1,809,499        2,049,861  

Borrowings from trust accounts

     3,999,899        3,271,817  

Agency business revenue

     258,497        344,591  

Foreign exchange payables

     604,344        590,667  

Domestic exchange payables

     4,229,125        1,309,646  

Other miscellaneous financial liabilities

     1,487,513        1,635,156  

Present value discount

     (2,396      (1,597
  

 

 

    

 

 

 

Subtotal

     21,408,267        13,892,461  
  

 

 

    

 

 

 

 

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     June 30, 2018      December 31, 2017  

Other liabilities:

     

Unearned income

     178,799        180,664  

Other miscellaneous liabilities

     124,114        103,317  
  

 

 

    

 

 

 

Subtotal

     302,913        283,981  
  

 

 

    

 

 

 

Total

     21,711,180        14,176,442  
  

 

 

    

 

 

 

26. DERIVATIVES

(1) Derivative assets and derivative liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Interest rate:

                 

Futures

     272,778        —          —          —          —          —    

Swaps

     143,307,983        12,395        218,551        —          34,540        232,719  

Purchase options

     660,000        —          10,897        —          —          —    

Written options

     785,000        —          —          —          —          11,731  

Currency:

                 

Futures

     371,529        —          —          —          —          —    

Forwards

     80,082,126        —          1,200,200        —          —          1,164,623  

Swaps

     56,427,354        —          806,790        32,965        —          750,377  

Purchase options

     2,635,551        —          36,079        —          —          —    

Written options

     4,651,496        —          —          —          —          49,352  

Equity:

                 

Futures

     124,009        —          —          —          —          —    

Swaps

     435,790        —          3,021        —          —          4,542  

Purchase options

     4,272,150        —          115,210        —          —          —    

Written options

     5,661,146        —          —          —          —          163,966  

Others:

                 

Futures

     965        —          —          —          —          —    

Forward

     5,618        —          —          —          —          —    

Swaps

     8,081        —          463        —          —          440  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     299,701,576        12,395        2,391,211        32,965        34,540        2,377,750  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Interest rate:

                 

Futures

     75,845        —          —          —          —          —    

Swaps

     130,197,378        59,272        223,935        —          12,103        253,972  

Purchase options

     630,000        —          12,346        —          —          —    

Written options

     795,000        —          —          —          —          12,869  

 

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     December 31, 2017  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Currency:

                 

Futures

     318,217        —          —          —          —          —    

Forwards

     72,526,956        —          1,314,368        —          —          1,375,799  

Swaps

     48,176,306        —          1,352,924        55,651        —          1,347,905  

Purchase options

     2,291,154        —          64,267        —          —          —    

Written options

     4,038,237        —          —          —          —          58,687  

Equity:

                 

Futures

     91,436        —          —          —          —          —    

Swaps

     15,000        —          103        —          —          10  

Purchase options

     5,060,706        —          146,775        —          —          —    

Written options

     4,504,290        —          —          —          —          99,770  

Others:

                 

Futures

     —          —          —          —          —          —    

Swaps

     7,805        —          1,057        —          —          1,037  

Purchase options

     —          —          —          —          —          —    

Written options

     5,000        —          —          —          —          100  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     268,733,330        59,272        3,115,775        55,651        12,103        3,150,149  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Derivatives held for trading are classified into financial assets at FVTPL (Note 7) and financial liabilities at FVTPL (Note 20), and derivatives held for hedging are presented as a separate line item in the consolidated statements of financial position.

 

(2)

Overview of the Group’s hedge accounting

 

  1)

Fair value hedge

As of the current period end, the Group has applied fair value hedge on fixed interest rate foreign currency denominated debentures amounting to 3,150,145 million Won. The purpose of the hedging is to avoid fair value volatility risk of fixed interest rate foreign currency denominated debentures derived from fluctuations of market interest rate, and as such the Group entered into interest rate swap agreements designated as hedging instruments.

The Group entered into interest rate swap agreements to manage its exposure to interest rate risk and designated as hedging instruments. Pursuant to the interest rate swap agreement, hedge ratio is determined by matching the nominal value to the face value of the hedging instrument.

In this hedging relationship, only the market interest rate fluctuation, which is the most significant part of the fair value change of the hedged item, is designated as the hedged risk, and other risk factors including credit risk are not included in the hedged risk. Therefore, the ineffective portion of the hedge could arise from fluctuations in the timing of the cash flow of the hedged item, the change in the total amount and price of the hedged item, or significant credit risk fluctuation of either party of the hedged item.

The interest rate swap agreements and the hedged items are subject to fluctuations in the underlying market rate of interest and the Group expects the value of the interest rate swap contract and the value of the hedged item to generally change in the opposite direction.

The fair value of the interest rate swap at the end of the reporting period is determined by discounting future cash flows estimated using the yield curve at the end of the reporting period and the credit risk embedded in

 

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the contract and the average interest rate is determined based on the outstanding balance at the end of the reporting period. The variable interest rate applied to the interest rate swap is USD Libor 3M (6M) plus spread. In accordance with the terms of each interest rate swap contract designated as a hedging instrument, the Group receives interest at a fixed interest rate and pays interest at a variable interest rate.

 

  2)

Cash Flow Hedge

As of the current period end, the Group has applied Cash Flow hedge on foreign currency denominated bonds amounting to 724,487 million Won. The Group’s objectives of hedging are to (1) Mitigate risks of cash flow fluctuation from principal and interest of variable interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rate and market interest rate; and (2) Mitigate the risks of cash flow fluctuation from principal and interest of fixed-interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rates. The Group has designated foreign currency swap contracts as hedging instruments in order to achieve such objectives.

 

(3)

The nominal amounts of the hedging instrument as of June 30, 2018 are as follows (Unit: USD, SGD):

 

     1 year or less      1 year to 5 years      More than 5 years      Total  

Fair value hedging derivatives

           

Interest rate risk

 

Interest rate swap (USD)

     500,000,000        1,350,000,000        1,000,000,000        2,850,000,000  

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

           

Currency swap (USD)

     50,000,000        450,000,000        —          500,000,000  

Foreign currencies translation risk

 

Currency swap (SGD)

     —          204,000,000        —          204,000,000  

 

(4)

The average interest rate and average currency rate of the hedging instrument as of June 30, 2018 are as follows:

 

    

Average interest rate and average currency rate

Fair value hedging derivatives

  

Interest rate risk

  

Interest rate swaps (USD)

   Fixed 3.98% receipt and 3.96% floating paid

Cash flow hedge

  

Foreign currencies translation risk and interest rate risk

  

Currency swap (USD)

   USD 2.65% receipt, KRW 1.71% paid, USD/KRW = 1,173 Won

Foreign currencies translation risk

  

Currency swap (SGD)

   SGD 1.91% receipt, KRW 1.98% paid, SGD/KRW = 828 Won

 

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(5)

The amounts related to items designated as hedging instruments as of June 30, 2018 are as follows (Unit: Korean Won in millions, USD, SGD):

 

            Carrying amounts of
the hedging instrument
     Line item in the
statement of
financial
position where
the hedging
instrument is
located
        
     Nominal amounts of
the hedging
instrument
     Assets      Liabilities      Changing in fair
value used for
calculating
hedge
ineffectiveness
 

Fair value hedge

 

Interest rate risk

 

Interest rate swaps

     USD2,850,000,000        12,395        34,540       


Derivative
assets,
Derivative
liabilities
 
 
 
 
     (62,246

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

              

Currency swap

     USD500,000,000        —          27,594       
Derivative
liabilities
 
 
     22,013  

Foreign currencies translation risk

 

Currency swap

     SGD204,000,000        —          5,372       
Derivative
liabilities
 
 
     672  

 

(6)

Details of carrying amount to hedged and amount adjusted due to hedge accounting as of June 30, 2018 are as follows (Unit: Korean won in millions):

 

     Carrying amounts of
the hedging item
     Accumulated amount of
fair value hedge
adjustments on the hedged
item included in the
carrying amount of the
hedged item
     Line item in the
statement of
financial
position in
which the
hedged item is
included
     Changing in
fair value
used for
calculating
hedge
ineffectiveness
    Cash flow
hedge
reserve (*)
 
     Assets      Liabilities      Assets      Liabilities  

Fair value hedging

 

Interest rate risk

 

Debenture

     —          3,150,145        —          60,732        Debentures        66,455       —    

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

                   

Debenture

     —          558,258        —          —          Debentures        (21,725     (1,665

Foreign currencies translation risk

                   

Debenture

     —          166,229        —          —          Debentures        (505     (3,770

 

(*)

Amount after tax deduction

 

(7)

Amounts recognized in profit or loss due to the ineffective portion of fair value hedges during the current period are as follows (Unit: Korean Won in millions):

 

          Hedge ineffectiveness
recognized in profit or
loss
     Line item in the profit that
includes hedge
ineffectiveness

Fair value hedge

   Interest rate risk      4,209      Other net operating
income

 

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Reclassification of profit or loss from other comprehensive income and equity related to cash flow hedges is as follows (Unit: Korean Won in millions):

 

          Changes in
the value of
hedging
instruments
recognized in
cash flow
hedge reserve
     Hedge
ineffectiveness
recognized
in profit
or loss
    Line item in the
profit or loss that
includes hedge
ineffectiveness
   Amounts
reclassified
from cash
flow hedge
reserve to
profit or
loss
     Line item
affected in profit
or loss because of
the
reclassification

Cash flow hedge

  

Foreign currencies translation risk and interest rate risk

     22,043        (30   Other net
operating
expense
     25,049      Other net
operating income
  

Foreign currencies translation risk

     672        —       Other net
operating
income
     3,894      Other net
operating income

 

27.

DEFERRED DAY 1 PROFITS OR LOSSES

Changes in deferred day 1 profits or losses are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Beginning balance

     7,416        13,422  

New transactions

     20,820        500  

Amounts recognized in losses

     (3,000      (3,613
  

 

 

    

 

 

 

Ending balance

     25,236        10,309  
  

 

 

    

 

 

 

In case some variables to measure fair values of financial instruments are not observable or available in the market, valuation techniques are utilized to evaluate such financial instruments. Those financial instruments are recorded at the fair value produced by the valuation techniques as at the time of acquisition, even though there are difference noted between the transaction price and the fair value. The table above presents the difference yet to be realized as profit or losses.

 

28.

CAPITAL STOCK AND CAPITAL SURPLUS

 

(1)

The number of shares authorized and others are as follows:

 

     June 30, 2018      December 31, 2017  

Shares of common stock authorized

     5,000,000,000 Shares        5,000,000,000 Shares  

Par value

     5,000 Won        5,000 Won  

Shares of common stock issued

     676,000,000 Shares        676,000,000 Shares  

Capital stock

     3,381,392 million Won        3,381,392 million Won  

 

(2)

There is no change to be disclosed in numbers of issued and outstanding shares of common stock for the six months ended June, 2018 and 2017.

 

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(3)

Details of capital surplus are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Capital in excess of par value

     269,533        269,533  

Other capital surplus

     16,352        16,347  
  

 

 

    

 

 

 

Total

     285,885        285,880  
  

 

 

    

 

 

 

 

29.

HYBRID SECURITIES

The bond-type hybrid securities classified as owner’s equity are as follows (Unit: Korean Won in millions):

 

     Issue date      Maturity      Interest rate
(%)
     June 30,
2018
    December 31,
2017
 

Securities in local currency

     June 20, 2008        June 20, 2038        7.7        —         255,000  
     April 25, 2013        April 25, 2043        4.4        500,000       500,000  
     November 13, 2013        November 13, 2043        5.7        200,000       200,000  
     December 12, 2014        December 12, 2044        5.2        160,000       160,000  
     June 3, 2015        June 3, 2045        4.4        240,000       240,000  

Securities in foreign currencies

     June 10, 2015        June 10, 2045        5.0        559,650       559,650  
     September 27, 2016        —          4.5        553,450       553,450  
     May 16, 2017        —          5.3        562,700       562,700  

Issuance cost

              (12,544     (12,912
           

 

 

   

 

 

 

Total

              2,763,256       3,017,888  
           

 

 

   

 

 

 

The hybrid securities mentioned above are either without a maturity date or its maturity can be extended indefinitely at the maturity date without change of terms. Further, if a resolution is passed not to pay dividends on common stock, interest payments on the hybrid securities may be not occur.

 

30.

OTHER EQUITY

 

(1)

Details of other equity are as follows (Unit: Korean Won in millions):

 

     June 30, 2018     December 31, 2017  

Accumulated other comprehensive loss:

    

Net gain or loss on valuation of financial assets at FVTOCI

     (46,746     —    

Gain on valuation of AFS financial assets

     —         301,930  

Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk

     29       —    

Share of other comprehensive loss of joint ventures and associates

     (1,446     (1,251

Loss on foreign currency translation of foreign operations

     (206,037     (242,700

Remeasurement loss related to defined benefit plan

     (211,838     (152,624

Gain (loss) on valuation of cash flow hedges

     (5,436     777  

Equity related to assets held for sale

     (564     4,145  
  

 

 

   

 

 

 

Subtotal

     (472,038     (89,723
  

 

 

   

 

 

 

Treasury shares

     (34,113     (34,113

Other capital adjustments

     (1,607,647     (1,815,438
  

 

 

   

 

 

 

Total

     (2,113,798     (1,939,274
  

 

 

   

 

 

 

 

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(2)

Changes in the accumulated other comprehensive loss are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Beginning
balance (*1)
     Increase
(decrease) (*2)
     Reclassification
adjustments
     Income tax
effect
     Ending
balance
 

Net gain or loss on valuation of financial assets at FVTOCI

     (88,906      58,846        (694      (15,992      (46,746

Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk

     (96      172        —          (47      29  

Share of other comprehensive gain (loss) of joint ventures and associates

     (2,656      1,669        —          (459      (1,446

Gain (loss) on foreign currency translation of foreign operations

     (242,806      50,717        —          (13,948      (206,037

Remeasurement gain (loss) related to defined benefit plan

     (152,358      (82,041      —          22,561        (211,838

Gain (loss) on valuation of cash flow hedges

     777        (8,570      —          2,357        (5,436

Transfer to non-current assets held for sale

     4,145        (564      (4,145      —          (564
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     (481,900      20,229        (4,839      (5,528      (472,038
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Net gain or loss on valuation of financial assets at FVTOCI included the 1,500 million Won transfer to retained earnings due to disposal of equity securities.

 

     For the six months ended June 30, 2017  
     Beginning
balance
     Increase
(decrease)(*)
     Reclassification
adjustments(*)
     Income tax
effect
     Ending
balance
 

Gain (loss) on valuation of AFS financial assets

     386,981        46,479        (81,114      5,602        357,948  

Share of other comprehensive income (loss) of joint ventures and associates

     (1,863      2,038        —          (531      (356

Gain (loss) on foreign currency translation of foreign operations

     (48,353      (81,571      —          17,627        (112,297

Remeasurement gain (loss) related to defined benefit plan

     (163,397      (12,642      —          3,020        (173,019

Gain (loss) on valuation of cash flow hedges

     —          (1,947      —          421        (1,526
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     173,368        (47,643      (81,114      26,139        70,750  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

For the change in gain (loss) on valuation of AFS financial assets, “increase (decrease)” represents change due to the valuation during the period, and “reclassification adjustments” represents disposal or recognition of impairment losses on AFS financial assets.

 

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31.

RETAINED EARNINGS

 

(1)

Details of retained earnings are as follows (Unit: Korean Won in millions):

 

          June 30, 2018     December 31, 2017  

Legal reserve

   Earned surplus reserve      1,857,754       1,729,754  
   Other legal reserve      46,384       45,668  
     

 

 

   

 

 

 
  

Subtotal

     1,904,138       1,775,422  
     

 

 

   

 

 

 

Voluntary reserve

   Business rationalization reserve      8,000       8,000  
  

Reserve for financial structure improvement

     235,400       235,400  
   Additional reserve      7,759,804       7,418,806  
   Regulatory reserve for credit loss      2,578,457       2,438,191  
   Revaluation reserve      715,860       751,964  
   Other voluntary reserve      —         11,700  
     

 

 

   

 

 

 
  

Subtotal

     11,297,521       10,864,061  
     

 

 

   

 

 

 

Conversion of loss on disposal of equity securities at FVTOCI to retained earnings

     (424     —    

Derecognition of the credit risk on financial liabilities designated at FVTPL

     5       —    

Retained earnings before appropriation

     3,272,213       2,980,523  
  

 

 

   

 

 

 

Total

     16,473,453       15,620,006  
  

 

 

   

 

 

 

 

  i.

Earned surplus reserve

In accordance with the Banking Act, earned surplus reserve is appropriated at least one tenth of the earnings after tax on every dividend declaration, not exceeding the paid in capital. This reserve may not be used other than for offsetting a deficit or transferring to capital.

 

  ii.

Other legal reserve

Other legal reserves were appropriated in the branches located in Japan, Vietnam and Bangladesh according to the banking laws of Japan, Vietnam and Bangladesh, and may be used to offset any deficit incurred in those branches.

 

  iii.

Business rationalization reserve

Pursuant to the Restriction of Special Taxation Act, the Group was previously required to appropriate, as a reserve for business rationalization, amounts equal to tax reductions arising from tax exemptions and tax credits up to December 31, 2001. The requirement was no longer effective from 2002.

 

  iv.

Reserve for financial structure improvement

From 2002 to 2014, the Finance Supervisory Services recommended banks in Korea to appropriate at least 10 percent of net income after accumulated deficit for financial structure improvement, until tangible common equity ratio equals 5.5 percent. But this reserve is not available for payment of cash dividends; however, it can be used to reduce a deficit or be transferred to capital. The reserve and appropriation are an Autonomous judgment matter of the Group since 2015.

 

  v.

Additional reserve

Additional reserve was appropriated for capital adequacy and other management purpose.

 

  vi.

Regulatory reserve for credit loss

In accordance with Article 29 of the Regulation on Supervision of Banking Business (“RSBB”), if provisions for credit loss under IFRS for the accounting purpose are lower than provisions under RSBB, the Group discloses such short fall amount as regulatory reserve for credit loss.

 

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  vii.

Revaluation reserve

Revaluation reserve is the amount of limited dividends set by the board of directors to be the recognized as complementary capital when the gain or loss occurred in the property revaluation by adopting IFRS.

 

(2)

Changes in retained earnings are as follows (Unit: Korean Won in millions):

 

    

For the six months ended June 30

 
     2018 (*)     2017  

Beginning balance

     15,797,097       14,611,566  

Net attributable to owners

     1,305,878       1,098,361  

Dividends on common stock

     (336,636     (269,308

Dividends on hybrid securities

     (75,603     (90,823

Loss on disposal of equity securities at FVTOCI

     (424     —    

Derecognition of the credit risk on financial liabilities designated at FVTPL

     5       —    

Capital adjustments due to appropriation of retained earnings

     (216,864     —    
  

 

 

   

 

 

 

Ending balance

     16,473,453       15,349,796  
  

 

 

   

 

 

 

 

(*)

The beginning balance as of 2018 was restated in accordance with IFRS 9.

 

32.

DIVIDENDS

At the shareholders’ meeting on March 23, 2018, dividend payment for the year ended December 31, 2017 amounting to 336,636 million Won (500 Won per share) was approved and paid for the six months ended June 30, 2018.

 

33.

NET INTEREST INCOME

 

(1)

Interest income recognized is as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Financial assets at FVTPL (IFRS 9)

     13,367        28,537        —          —    

Financial assets at FVTPL (IAS 39)

     —          —          13,074        26,806  

Financial assets at FVTOCI

     62,170        119,446        —          —    

AFS financial assets

     —          —          67,667        144,067  

Securities at amortized cost

     87,587        168,789        —          —    

HTM financial assets

     —          —          74,690        149,673  

Financial assets at amortized cost:

           

Interest on due from banks

     28,323        61,461        —          —    

Interest on loans

     2,170,291        4,251,497        —          —    

Interest of other receivables

     6,931        13,686        —          —    
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     2,205,545        4,326,644        —          —    
  

 

 

    

 

 

    

 

 

    

 

 

 

Loans and receivables:

           

Interest on due from banks

     —          —          20,182        41,403  

Interest on loans

     —          —          1,921,359        3,810,008  

Interest of other receivables

     —          —          8,836        17,627  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          —          1,950,377        3,869,038  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,368,669        4,643,416        2,105,808        4,189,584  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

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(2)

Interest expense recognized is as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Interest on deposits due to customers

     704,007        1,358,964        586,051        1,174,384  

Interest on borrowings

     70,519        129,929        57,666        115,548  

Interest on debentures

     174,890        346,948        154,445        305,804  

Other interest expense

     21,930        43,101        20,070        43,528  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     971,346        1,878,942        818,232        1,639,264  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

34.

NET FEES AND COMMISSIONS INCOME

 

(1)

Details of fees and commissions income recognized are as follows (Unit: Korean Won in millions):

 

    2018     2017  
    Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Fees and commissions received (*)

    169,171       346,925       163,688       336,322  

Fees and commissions received for provision of guarantee

    14,660       30,263       15,911       31,700  

Fees and commissions received on project financing

    10,528       16,945       4,614       6,334  

Fees and commissions received on credit card

    283,407       556,984       268,887       527,566  

Fees and commissions received on securities

    23,767       50,238       19,757       40,267  

Other fees and commissions received

    53,867       111,651       33,424       71,704  
 

 

 

   

 

 

   

 

 

   

 

 

 

Total

    555,400       1,113,006       506,281       1,013,893  
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others.

 

(2)

Details of fees and commissions expense incurred are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Fees and commissions paid

     41,532        80,866        41,930        73,167  

Credit card commission

     213,887        425,204        200,275        400,349  

Brokerage commission

     934        1,268        121        348  

Others

     1,700        3,013        1,207        2,329  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     258,053        510,351        243,533        476,193  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

35.

DIVIDEND INCOME

 

(1)

Details of dividend income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Financial assets at FVTPL (IFRS 9)

     12,210        31,860        —          —    

Financial assets at FVTPL (IAS 39)

     —          —          47        190  

Financial assets at FVTOCI

     1,941        17,844        —          —    

AFS financial assets

     —          —          19,570        59,255  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     14,151        49,704        19,617        59,445  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

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(2)

Details of dividends related to financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

 

     Six month ended
June 30, 2018
 

Dividend income recognized from assets held

  

Equity securities

     17,570  

Dividend income recognized in assets derecognized

     274  
  

 

 

 

Total

     17,844  
  

 

 

 

 

36.

NET GAIN OR LOSS ON FINANCIAL INSTRUMENTS AT FAIR VALUE THROUGH PROFIT OR LOSS MANDATORILY MEASURED AT FAIR VALUE (IFRS 9 AND IAS 39)

 

(1)

Details of gains or losses related to net gain or loss on financial instruments at FVTPL (IFRS 9 and IAS 39) are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
    Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on financial assets at fair value through profit or loss mandatorily measured at fair value

     70,116       114,146        —         —    

Gains (losses) on financial instruments held for trading

     —         —          36,266       (60,186

Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition

     (2,423     2,877        —         —    

Losses on financial instruments at fair value through profit or loss designated as upon initial recognition

     —         —          (24,200     (86,223
  

 

 

   

 

 

    

 

 

   

 

 

 

Total

     67,693       117,023        12,066       (146,409
  

 

 

   

 

 

    

 

 

   

 

 

 

 

(2)

Details of net gain or loss on financial instrument at fair value through profit or loss mandatorily measured at fair value and financial assets held for trading are as follows (Unit: Korean Won in millions):

 

            2018     2017  
            Three months
ended
June 30
    Six months
ended
June 30
    Three months
ended
June 30
    Six months
ended
June 30
 

Financial assets at FVTPL (financial assets held for trading)

  Securities   Gain on valuation     36,982       81,861       1,055       5,895  
    Gain on disposals     18,885       22,377       3,936       9,860  
    Loss on valuation     (11,957     (23,795     (2,785     (6,511
    Loss on disposals     (7,481     (9,180     (1,308     (2,057
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    36,429       71,263       898       7,187  
     

 

 

   

 

 

   

 

 

   

 

 

 
  Loans   Gain on valuation     373       3,191       —         —    
    Loss on valuation     (107     (127     —         —    
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    266       3,064       —         —    
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Other financial assets

  Gain on valuation     228       1,969       1,495       3,071  
  Gain on disposals     143       405       814       933  
    Loss on valuation     (320     (2,193     (1,971     (3,590
    Loss on disposals     (11     (83     (211     (234
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    40       98       127       180  
     

 

 

   

 

 

   

 

 

   

 

 

 
  Total of financial assets held for trading     36,735       74,425       1,025       7,367  
     

 

 

   

 

 

   

 

 

   

 

 

 

 

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Table of Contents
            2018     2017  
            Three months
ended
June 30
    Six months
ended
June 30
    Three months
ended
June 30
    Six months
ended
June 30
 
Derivatives (for trading)  

Interest rates derivatives

 

Gain on transactions and valuation

    231,372       600,362       201,637       433,349  
   

Loss on transactions and valuation

    (247,381     (594,525     (198,170     (421,734
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    (16,009     5,837       3,467       11,615  
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Currency derivatives

 

Gain on transactions and valuation

    2,546,154       3,535,106       (94,206     3,773,565  
   

Loss on transactions and valuation

    (2,502,934     (3,505,890     105,055       (3,943,609
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    43,220       29,216       10,849       (170,044
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Equity derivatives

 

Gain on transactions and valuation

    115,712       249,364       92,302       302,927  
   

Loss on transactions and valuation

    (109,288     (244,063     (71,116     (211,551
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    6,424       5,301       21,186       91,376  
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Other derivatives

 

Gain on transactions and valuation

    2,142       2,790       2,295       12,312  
   

Loss on transactions and valuation

    (2,396     (3,423     (2,556     (12,812
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    (254     (633     (261     (500
     

 

 

   

 

 

   

 

 

   

 

 

 
  Total of derivatives (for trading)     33,381       39,721       35,241       (67,553
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    70,116       114,146       36,266       (60,186
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(3)

Details of net gain or loss on financial instrument at fair value through profit or loss designated as upon initial recognition are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Gain (loss) on equity-linked securities:

           

Loss on disposals of equity-linked securities

     (1,203      (1,534      (3,686      (15,877

Gain (loss) on valuation of equity-linked securities

     (2,164      2,814        (20,667      (69,714
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     (3,367      1,280        (24,353      (85,591
  

 

 

    

 

 

    

 

 

    

 

 

 

Loss on other securities:

           

Loss on valuation of other securities

     —          —          (114      (16
  

 

 

    

 

 

    

 

 

    

 

 

 

Gain (loss) on other financial instruments:

           

Gain (loss) on valuation of other financial instruments

     944        1,597        267        (616
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     (2,423      2,877        (24,200      (86,223
  

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents
37.

NET GAIN OR LOSS ON FINANCIAL ASSETS AT FVTOCI AND AFS FINANCIAL ASSETS

Details of net gain on financial assets at FVTOCI and AFS financial assets recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on redemption of securities

     11        16        220       547  

Gains on transaction of securities

     464        1,271        95,019       116,262  

Impairment losses on securities

     —          —          (6,852     (12,637
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     475        1,287        88,387       104,172  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

38.

REVERSAL OF ALLOWANCE FOR (IMPAIRMENT LOSSES DUE TO) CREDIT LOSS

Reversal of allowance for (Impairment losses due to) credit loss are as follows (Unit: Korean Won in millions):

 

     2018     2017  
     Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Reversal of credit loss on financial assets at FVTOCI

     (679     (459     —         —    

Reversal of credit loss on securities at amortized cost losses

     (199     (191     —         —    

Provision for credit loss on loans and other financial assets at amortized cost

     76,699       (61,057     —         —    

Impairment losses due to credit loss

     —         —         (211,842     (333,976

Reversal of provision on guarantee

     76,354       86,990       16,071       44,968  

Reversal of provision on (provision for) loan commitment

     (1,502     3,155       (8,715     5,245  
  

 

 

   

 

 

   

 

 

   

 

 

 

Total

     150,673       28,438       (204,486     (283,763
  

 

 

   

 

 

   

 

 

   

 

 

 

 

39.

GENERAL ADMINISTRATIVE EXPENSES AND OTHER NET OPERATING INCOME (EXPENSES)

 

(1)

Details of general and administrative expenses recognized are as follows (Unit: Korean Won in millions):

 

            2018     2017  
            Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 
Salaries  

Short term employee benefits

  Salaries     341,645       644,663       326,034       654,191  
  Employee benefits     108,933       213,627       114,170       213,600  
  Retirement benefit service costs     36,610       72,936       36,972       74,057  
  Termination     20,994       20,994       5,477       5,477  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Subtotal

    508,182       952,220       482,653       947,325  
   

 

 

   

 

 

   

 

 

   

 

 

 

 

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Table of Contents
            2018     2017  
            Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 
Depreciation and amortization     52,222       99,698       45,380       94,927  

Other general and administrative expenses

  Rent     79,546       159,126       76,297       156,708  
  Taxes and public dues     38,275       67,385       34,077       63,178  
  Service charges     52,807       104,970       47,611       96,418  
  Computer and IT related     21,704       43,581       16,089       30,477  
 

Telephone and communication

    16,819       33,729       16,111       31,590  
  Operating promotion     9,339       19,768       10,003       21,053  
  Advertising     13,808       20,493       22,434       29,880  
  Printing     1,928       3,892       2,095       4,237  
  Traveling     2,679       6,034       2,920       6,024  
  Supplies     1,737       3,223       1,517       3,117  
  Insurance premium     1,961       4,002       1,956       4,169  
  Reimbursement     4,964       5,902       4,710       9,177  
  Maintenance     3,672       8,027       3,331       6,882  
  Water, light, and heating     2,809       7,203       2,883       7,146  
  Vehicle maintenance     2,379       4,594       2,602       4,964  
  Others     12,823       23,491       11,488       21,155  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Subtotal

    267,250       515,420       256,124       496,175  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    827,654       1,567,338       784,157       1,538,427  
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(2)

Details of other operating income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on transaction of foreign exchange

     157,245        847,397        619,297       1,698,987  

Gains on disposal of loans and receivables (*1)

     —          —          14,861       201,860  

Gains related to derivatives

     26,373        28,943        11,592       11,656  

Gains on fair value hedged items

     18,861        66,555        (7,094     11,860  

Others (*2)

     1,741        17,522        5,813       68,668  
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     204,220        960,417        644,469       1,993,031  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(*1)

Gain on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for gain related to financial assets at amortized cost in accordance with the adoption of IFRS 9.

(*2)

Other income includes such income amounting to 28,800 million Won for the six months ended June 30, 2017, respectively, that the Group recognized for it is to receive from other creditor financial institutions in accordance with the creditor financial institutions committee agreement.

 

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(3)

Details of other operating expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Losses on transactions of foreign exchange

     114,971        726,348        534,740       1,374,764  

KDIC deposit insurance premium

     79,585        156,765        77,146       150,256  

Contribution to miscellaneous funds

     73,849        146,781        71,927       144,262  

Losses (Gains) on disposals of loans and receivables (*1)

     —          —          (40     28  

Losses (Gains) related to derivatives

     13,059        62,366        (16,441     31,131  

Losses on fair value hedged items

     —          —          15,820       15,846  

Others (*2)

     45,707        87,571        38,584       75,554  
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     327,171        1,179,831        721,736       1,791,841  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(*1)

Loss on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for loss related to financial assets at amortized cost in accordance with the adoption of IFRS 9.

(*2)

Other expense includes such expenses amounting to 1,412 million Won and 3,325 million Won for the six months ended June 30, 2018 and 2017, respectively, which are related to the Group’s expected payments to other creditor financial institutions in accordance with the creditor financial institutions committee agreement. In addition, ‘Other expense’ for the six months ended June 30, 2018 and 2017 includes 25,179 million Won and 24,443 million Won, respectively, of intangible asset amortization expense.

 

40.

OTHER NON-OPERATING INCOME (EXPENSES)

 

(1)

Details of gains or losses on valuation of investments in joint ventures and associates are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gain on valuation

     10,687        15,347        (10,061     3,316  

Loss on valuation

     (3,006      (16,809      521       (62,271

Impairment loss

     —          —          (5,323     (5,323
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     7,681        (1,462      (14,863     (64,278
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(2)

Details of other non-operating income and expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Other non-operating income

     23,345        39,041        30,411       77,185  

Other non-operating expenses

     (21,947      (43,762      (18,714     (67,187
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     1,398        (4,721      11,697       9,998  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

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Table of Contents
(3)

Details of other non-operating income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Rental fee income

     1,687        3,203        1,880        3,700  

Gains on disposal of investments in joint ventures and associates

     —          —          4,466        32,886  

Gains on disposal of premises and equipment, intangible assets and other assets

     15,760        17,037        1,494        1,675  

Reversal of impairment loss of premises and equipment, intangible assets and other assets

     1        341        —          32  

Others

     5,897        18,460        22,571        38,892  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     23,345        39,041        30,411        77,185  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(4)

Details of other non-operating expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Depreciation on investment properties

     1,004        2,010        992        1,991  

Interest expense of rent leasehold deposits

     150        292        105        223  

Losses on disposal of investment in joint ventures and associates

     —          2,931        46        27,730  

Losses on disposal of premises and equipment, intangible assets and other assets

     167        221        271        608  

Impairment losses of premises and equipment, intangible assets and other assets

     2        2        40        160  

Donation

     8,551        22,042        10,426        14,980  

Others

     12,073        16,264        6,834        21,495  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     21,947        43,762        18,714        67,187  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

41.

INCOME TAX EXPENSE

 

(1)

Details of income tax expenses are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018     2017  

Current tax expense

    

Current tax expense in respect of the current period

     231,393       284,030  

Adjustments recognized in the current period in relation to the current tax of prior periods

     (3,632     (4,919
  

 

 

   

 

 

 

Subtotal

     227,761       279,111  
  

 

 

   

 

 

 

Deferred tax expense

    

Deferred tax assets (liabilities) relating to the origination and reversal of temporary differences

     182,515       13,889  

Deferred tax charged directly to equity

     (378     27,933  

Others (tax effect charged directly to equity due to the adoption of IFRS 9)

     75,318       —    
  

 

 

   

 

 

 

Subtotal

     257,455       41,822  
  

 

 

   

 

 

 

Income tax expense

     485,216       320,933  
  

 

 

   

 

 

 

 

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Table of Contents
(2)

Income tax expense reconciled to net income before income tax expense is as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018     2017  

Net income before income tax expense

     1,801,532       1,429,948  

Tax calculated at statutory tax rate (*)

     490,240       345,585  

Adjustments

    

Effect of income that is exempt from taxation

     (19,695     (32,683

Effect of expense not deductible in determining taxable profit

     9,395       9,624  

Adjustments recognized in the current period in relation to the current tax of prior periods

     (3,632     (4,919

Others

     8,908       3,326  
  

 

 

   

 

 

 

Subtotal

     (5,024     (24,652
  

 

 

   

 

 

 

Income tax expense

     485,216       320,933  
  

 

 

   

 

 

 

Effective tax rate

     26.9     22.4
  

 

 

   

 

 

 

 

(*)

The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won.

 

(3)

Details of accumulated deferred tax charged directly to equity are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Net gain on valuation of financial assets at FVTOCI

     18,568        —    

Loss on valuation of AFS securities

     —          (114,169

Share of other comprehensive gain (loss) of joint ventures and associates

     378        (954

Foreign currency translation of foreign operations

     6,852        15,855  

Remeasurements of the net defined benefit liability

     78,685        56,317  

Gain (loss) on cash flow hedge

     1,735        (248
  

 

 

    

 

 

 

Total

     106,218        (43,199
  

 

 

    

 

 

 

 

42.

EARNINGS PER SHARE (“EPS”)

Basic EPS is calculated by dividing net income by weighted average number of common shares outstanding (Unit: Korean Won in millions, except for EPS and number of shares):

 

     2018     2017  
     Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Net income attributable to Owners

     716,142       1,305,878       460,888       1,098,361  

Dividends to hybrid securities

     (37,748     (75,603     (41,557     (90,823

Net income attributable to common shareholders

     678,394       1,230,275       419,331       1,007,538  

Weighted average number of common shares outstanding

    
673 shares
in million
 
 
   
673 shares
in million
 
 
   
673 shares
in million
 
 
   
673 shares
in million
 
 

Basic EPS

     1,008       1,828       623       1,497  

Diluted EPS is equal to basic EPS because there is no dilution effect for the three and six months ended June 30, 2018 and 2017.

 

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43.

CONTINGENT LIABILITIES AND COMMITMENTS

 

(1)

Details of guarantees are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Confirmed guarantees

     

Guarantee for loans

     141,193        157,299  

Acceptances

     333,365        320,519  

Guarantees in acceptances of imported goods

     106,675        108,238  

Other confirmed guarantees

     5,981,767        6,288,965  
  

 

 

    

 

 

 

Sub-total

     6,563,000        6,875,021  
  

 

 

    

 

 

 

Unconfirmed guarantees

     

Local letter of credit

     365,302        383,117  

Letter of credit

     3,207,797        3,637,787  

Other unconfirmed guarantees

     936,971        505,689  
  

 

 

    

 

 

 

Sub-total

     4,510,070        4,526,593  
  

 

 

    

 

 

 

Commercial paper purchase commitments and others

     1,299,503        1,458,101  
  

 

 

    

 

 

 

Total

     12,372,573        12,859,715  
  

 

 

    

 

 

 

 

(2)

Details of loan commitments and others are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Loan commitments

     98,251,006        80,760,325  

Other commitments

     5,942,784        4,546,090  

 

(3)

Litigation case

Legal cases where the Group is involved are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  
     As plaintiff      As defendant      As plaintiff      As defendant  

Number of cases (*)

     68 cases        161 cases        83 cases        155 cases  

Amount of litigation

     443,234        256,147        413,267        244,767  

Provisions for litigations

        19,887           9,277  

 

(*)

The number of lawsuits as of June 30, 2018 and December 31, 2017 does not include fraud lawsuits, etc. and those lawsuits that are filed only to extend the statute of limitation.

 

(4)

Other

The Group provides settlement services for payments in Korean Won to facilitate trade transactions between Korea and Iran. In connection with these services, the Group is currently being investigated by US government agencies including US prosecutors (United States Attorney’s Office and New York State Attorney General’s Office) as to whether the Group has violated United States laws by participating in prohibited transactions involving countries sanctioned by the US.

 

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44. RELATED PARTY TRANSACTIONS

Related parties of the Group as of June 30, 2018, assets and liabilities recognized, guarantees and commitments, and major transactions with related parties for the six months ended June 30, 2018 and 2017 are as follows:

 

(1)

Related parties

 

    

Related parties

Associates

   Kumho Tire Co., Inc., Woori Service Networks Co., Ltd., Korea Credit Bureau Co., Ltd., Korea Finance Security Co., Ltd., Chin Hung International Inc., STX Corporation, 2016KIF-IMM Woori Bank Technology Venture Fund, K BANK Co., Ltd., Well to Sea No. 3 Private Equity Fund, and Others (Dongwoo C & C Co., Ltd. and other 25 associates)

 

(2)

Assets and liabilities from transactions with related parties are as follows (Unit: Korean Won in millions):

 

Related party

  

A title of account

   June 30,
2018
    December 31,
2017
 

Associates

  

Kumho Tire Co., Inc.

   Loans      257,856       170,917  
      Loss allowance      (62,957     (156,712
      Deposits due to customers      482       666  
      Other liabilities      489       50  
  

Woori Service Networks Co., Ltd.

   Loans      22       45  
      Deposits due to customers      1,732       1,311  
      Other liabilities      339       357  
  

Korea Credit Bureau Co., Ltd.

   Loans      4       6  
      Deposits due to customers      1,063       5,586  
      Other liabilities      6       54  
  

Korea Finance Security Co., Ltd.

   Loans      42       56  
      Loss allowance      (2     —    
      Deposits due to customers      3,078       2,854  
      Other liabilities      4       7  
  

Chin Hung International Inc.

   Loans      182       408  
      Loss allowance      (24     (22
      Deposits due to customers      61,551       46,220  
      Other liabilities      2,899       1,658  
  

Poonglim Industrial Co., Ltd. (*1)

   Deposits due to customers      —         4  
  

STX Engine Co., Ltd. (*2)

   Loans      —         106,176  
      Loss allowance      —         (88,734
      Deposits due to customers      —         18,092  
      Other liabilities      —         29  
  

STX Corporation

   Loans      73,519       47,711  
      Loss allowance      (49,734     (31,210
      Deposits due to customers      2,130       77,555  
      Other liabilities      131       80  

Associates

  

K BANK Co., Ltd.

   Loans      103       212  
  

Well to Sea No.3 Private Equity Fund

   Loans      85,000       73,810  
      Loss allowance      (85     (39
      Deposits due to customers      3,213       61  
      Other liabilities      69       27  

 

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Related party

  

A title of account

   June 30,
2018
     December 31,
2017
 
   Others (*3)    Loans      260        499  
      Loss allowance      (235)        (471)  
      Other assets      1        1  
      Deposits due to customers      6,369        2,906  
      Other liabilities      153        73  

 

(*1)

The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates

(*2)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

(*3)

Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017.

 

(3)

Gain or loss from transactions with related parties are as follows (Unit: Korean Won in millions):

 

          For the six months
ended June 30
 

Related party

  

A title of account

   2018      2017  

Corporation that has significant influence over the group

  

KDIC (*1)

  

Interest expenses

     —          15,331  

Associates

  

Kumho Tire Co., Inc.

  

Interest income

     1,098        1,501  
     

Fees income

     —          6  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     (93,755)        1,042  
  

Woori Blackstone Korea Opportunity Private Equity Fund No.1 (*2)

  

Fees income

     —          29  
  

Woori Service Networks Co., Ltd.

  

Other income

     15        15  
  

Interest expenses

     7        13  
     

Fees expenses

     270        335  
     

Other expenses

     231        249  
  

Korea Credit Bureau Co., Ltd.

  

Interest expenses

     21        38  
     

Fees expenses

     1,038        1,023  
  

Korea Finance Security Co., Ltd.

  

Interest expenses

     4        5  
  

Impairment losses due to credit loss

     2        —    
  

Fees expenses

     71        —    
  

Chin Hung International Inc.

  

Interest income

     —          53  
     

Fees income

     —          1  
     

Interest expenses

     21        13  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     2        (4,270)  

 

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          For the six months
ended June 30
 

Related party

  

A title of account

   2018      2017  

Associates

  

STX Engine Co., Ltd (*3).

  

Interest income

     333        672  
     

Fees income

     —          28  
     

Interest expenses

     86        72  
     

Reversal of allowance for credit loss

     (88,734)        (1,835)  
  

Samho International Co., Ltd. (*4)

  

Interest income

     —          364  
  

Fees income

     —          6  
     

Interest expenses

     —          214  
     

Reversal of allowance for credit loss

     —          (116)  
  

STX Corporation

  

Interest income

     —          219  
     

Fees income

     —          58  
     

Interest expenses

     2        4  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     18,524        (59,507)  
  

K BANK Co., Ltd.

  

Fees income

     514        396  
     

Other income

     5        1,051  
  

Well to Sea No.3

  

Interest income

     1,288        —    
  

Private Equity Fund (*5)

  

Interest expenses

     4        —    
     

Impairment losses due to credit loss

     46        —    
  

Others (*6)

  

Other income

     6        —    
     

Interest expenses

     22        5  
     

Reversal of impairment losses due to credit loss

     (236)        (10)  

 

(*1)

As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group.

(*2)

Due to disposition previous year, the entity is not in scope for associate.

(*3)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

(*4)

The entity was sold after it was transferred to assets held for sale and was excluded from the investment in associates for the year ended December 31, 2017.

(*5)

Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates.

(*6)

Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017.

 

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(4)

Major loan transactions with related parties for the six months ended June 30, 2018 and June 30, 2017 are as follows (Unit: Korean Won in millions):

 

          For the six months ended June 30, 2018  

Related parties

   Beginning
balance
     Loan      Collection      Others     Ending
balance (*1)
 

Associates

   Kumho Tire Co., Inc.      57,470        —          7,057        —         50,413  
   Well to Sea No. 3 Private Equity Fund (*2)      73,810        11,190        —          —         85,000  
   STX Engine Co., Ltd. (*3)      39,886        —          2,177        (37,709     —    
          For the six months ended June 30, 2017  

Related parties

   Beginning
balance
     Loan      Collection      Others     Ending
balance (*1)
 
Associates    Kumho Tire Co., Inc.      50,413        —          —          —         50,413  
   STX Engine Co., Ltd. (*3)      44,797        —          7,088        —         37,709  

 

(*1)

Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease).

(*2)

The entity is in scope for the associates due to contribution as of the year ended December 31, 2017.

(*3)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

 

(5)

There are no major borrowing transactions with related parties for the six months ended June 30, 2018 and June 30, 2017.

 

(6)

Guarantees provided to the related parties are as follows (Unit: Korean Won in millions):

 

     June 30,
2018
     December 31,
2017
    

Warranty

Kumho Tire Co., Inc.

     13,830        4,181      Import credit in foreign currencies and others
     511        636      Loan commitment

Korea Finance Security Co., Ltd.

     218        204      Loan commitment

Korea Credit Bureau Co., Ltd.

     31        29      Loan commitment

Woori Service Networks Co., Ltd.

     178        155      Loan commitment

Chin Hung International Inc.

     32,117        31,891      Loan commitment

STX Engine Co., Ltd. (*)

     —          68,858      Import credit in foreign currencies and others

STX corporation

     14,914        17,557      Import credit in foreign currencies and others
     132        53      Loan commitment

K BANK Co., Ltd.

     101        —        Loan commitment

Well to Sea No. 3 Private Equity Fund

     225,000        236,190      Loan commitment

 

(*)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

For the guarantee provided to the related parties, the Group recognized provisions for guarantees amounting to 11,525 million Won and 71,459 million Won, as of June 30, 2018 and December 31, 2017, respectively.

 

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(7)

Compensation for key management is as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Short term benefits

     6,023        6,524  

Severance payments

     280        280  
  

 

 

    

 

 

 

Total

     6,303        6,804  
  

 

 

    

 

 

 

Key management includes registered executives and non-registered executives. Outstanding assets and liabilities from transactions with key management amount to 2,155 million Won and 6,946 million Won, respectively, as of June 30, 2018, and with respect to the assets, the Group has not recognized any allowance nor provision.

 

45.

BUSINESS COMBINATION

The business combination occurred during the current period is as follows:

 

(1)

Acquisition of WB Finance Co., Ltd.

In order to expand Cambodia’s retail business, the Group had acquired 100% ownership of Vision Fund Cambodia on June, 2018. And The Group changed its name to WB Finance Co., Ltd..

 

(2)

Details of the accounting for the business combination are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Consideration transferred:

  

Cash and cash equivalents

     88,216  

Identifiable assets and liabilities recognized:

  

Cash and cash equivalents

     16,657  

Financial assets at FVTOCI

     17  

Loans and other financial assets at amortized cost

     205,451  

Premises and equipment

     1,630  

Intangible assets

     763  

Current tax assets

     173  

Deferred tax assets

     1,381  

Other assets

     1,510  
  

 

 

 

Total assets

     227,582  
  

 

 

 

Deposits due to customers

     54,615  

Borrowings

     120,644  

Other financial liabilities

     6,149  

Current tax liabilities

     640  

Other liabilities

     4,724  
  

 

 

 

Total liabilities

     186,772  
  

 

 

 

Identifiable net fair value

     40,810  

Goodwill(*)

     47,406  
  

 

 

 

 

(*)

Identifying the intangible assets and measuring the fair value of identifiable assets acquired are incomplete as the acquisition date was June 21, 2018. The amount of Goodwill could change due to the result of the measurement of the identifiable assets and liabilities.

 

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46.

ESTABLISHMENT OF A FINANCIAL HODING COMPANY AND PLAN OF STOCK TRANSFER

The Group’s board of directors held a meeting on June 19, 2018, approving the plan to transfer shares which was formulated to facilitate the establishment of a financial holding company by means of comprehensive share transfer. In relation to the establishment of the financial holding company, the Group is currently undertaking processes to obtain approval from the Financial Services Committee.

The six companies that are subject to the share transfer plan include the Bank, Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Service Co., Ltd., and Woori Private Equity Asset Management Co., Ltd. After the Group obtains approval from the Financial Services Committee, the Group is planning to establish the financial holding company during the first half of 2019 through processes such as annual shareholders’ meeting. Following the establishment of the financial holding company, the six companies mentioned above will become fully owned subsidiaries of the holding company.

After the financial holding company is established, the shares of the Group will be delisted from the Korea Stock Exchange and New York Stock Exchange during the first half of the 2019, and the shares of the newly established financial holding company will be listed on both Korea Stock Exchange and New York Stock Exchange.

 

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Annex I

STOCK TRANSFER PLAN

 

1.

Companies that are parties to the comprehensive stock transfer, pursuant to which a financial holding company will be established

 

  -

Woori Bank, Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Services Co., Ltd. and Woori Private Equity Asset Management Co., Ltd. (collectively, the “Stock Transfer Companies”) will participate in the comprehensive stock transfer to establish a financial holding company

 

2.

Articles of incorporation of the financial holding company

 

  -

The Articles of Incorporation of the financial holding company will be as set forth in Attachment 1 attached hereto; see Attachment 1 (Articles of Incorporation of Woori Financial Group, Inc.—Draft)

 

3.

Allocation of shares of the financial holding company to shareholders of the Stock Transfer Companies

 

  -

Pursuant to Article 4, Paragraph 1 of the Financial Holding Company Act and Article 5, Paragraph 5 of its Enforcement Decree, shares of the financial holding company will be allocated to the shareholders of the Stock Transfer Companies in accordance with the following stock transfer ratios (the “Stock Transfer Ratios”)

 

  -

However, in the event fractional shares result through application of the Stock Transfer Ratios, cash payments for such fractional shares based on the closing share price of the financial holding company as of the first day of its trading on the KRX KOSPI Market of the Korea Exchange (with any amount less than Won 1 rounded up to a whole number) will be made to the shareholders of the relevant Stock Transfer Company

 

Stock Transfer Company

  

Stock Transfer Ratio

Woori Bank   

Per one share of registered common stock, 1.0000000 share of registered common stock of the financial holding company

 

Woori FIS Co., Ltd.   

Per one share of registered common stock, 0.2999709 share of registered common stock of the financial holding company

 

Woori Finance Research Institute Co., Ltd.   

Per one share of registered common stock, 0.1888161 share of registered common stock of the financial holding company

 

Woori Credit Information Co., Ltd.   

Per one share of registered common stock, 1.1037294 share of registered common stock of the financial holding company

 

Woori Fund Services Co., Ltd.   

Per one share of registered common stock, 0.4709031 share of registered common stock of the financial holding company

 

Woori Private Equity Asset Management Co., Ltd.   

Per one share of registered common stock, 0.0877992 share of registered common stock of the financial holding company

 

 

4.

Number and types of shares to be issued by the financial holding company pursuant to the stock transfer

 

  -

The shares issued by the financial holding company will be shares of registered common stock

 

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  -

The number of shares issued will be as follows

 

Stock Transfer

Company

  

Type of shares

   Total number of
issued shares
     Stock Transfer
Ratio
     Total number of
shares of financial
holding company
common stock to
be issued
 

Woori Bank

   Common stock      676,000,000        1.0000000        676,000,000  
Woori FIS Co., Ltd.    Common stock      4,900,000        0.2999709        1,469,857  

Woori Finance Research Institute Co., Ltd.

   Common stock      600,000        0.1888161        113,289  

Woori Credit Information Co., Ltd.

   Common stock      1,008,000        1.1037294        1,112,559  

Woori Fund Services Co., Ltd.

   Common stock      2,000,000        0.4709031        941,806  

Woori Private Equity Asset Management Co., Ltd.

   Common stock      6,000,000        0.0877992        526,795  

Total

   Common stock      690,508,000           680,164,306  

 

5.

Capital stock and capital reserves of the financial holding company

 

  -

Capital stock: Won 3,400,821,530,000, calculated as the product of (i) 680,164,306 shares, the total number of shares to be issued by the financial holding company, and (ii) Won 5,000, the par value per share of such stock

 

  -

Capital reserves: Calculated as the difference between (i) the aggregate acquisition cost of shares of the Stock Transfer Companies acquired by the financial holding company pursuant to the stock transfer and (ii) the total amount of capital stock of the financial holding company set forth above

 

6.

Other moneys or assets to be paid to the shareholders of the Stock Transfer Companies

 

  -

Not applicable, except for cash payments for fractional shares

 

7.

Effective date of the stock transfer

 

  -

 

  -

Subject to change by mutual agreement of the Stock Transfer Companies or as necessary due to domestic or international regulations, such as the approval or securities registration statement review process of the relevant regulatory authorities

 

8.

Profit distribution of the Stock Transfer Companies up to the effective date of the stock transfer and maximum amounts thereof

 

  -

Among the Stock Transfer Companies, the following may distribute profits until the effective date of the stock transfer up to the amounts set forth in the table below

 

Name of company

  

Maximum amount of profit distribution

Woori Bank

   Won 505,000 million

Woori Credit Information Co., Ltd.

   Won 1,008 million

 

9.

Names and resident registration numbers of the directors and audit committee members of the financial holding company

 

  -

To be determined

 

10.

Conditions to the completion of the stock transfer plan

 

  -

Approval for the establishment of a financial holding company from the Financial Services Commission must be obtained pursuant to Article 3 of the Financial Holding Company Act

 

  -

In the event that the dissenting shareholders of a Stock Transfer Company exercise appraisal rights in respect of a number of shares exceeding 15% of the total number of issued shares of common stock of such Stock Transfer Company, each Stock Transfer Company may decide to suspend the stock transfer

 

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  by a resolution of its board of directors, and in the case of such suspension, such Stock Transfer Company must provide written notice to the other Stock Transfer Companies

 

  -

In such a case, the remaining Stock Transfer Companies may amend the stock transfer plan or suspend the comprehensive stock transfer procedures by a resolution of their respective board of directors

 

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Attachment A

ARTICLES OF INCORPORATION OF WOORI FINANCIAL GROUP – DRAFT

CHAPTER I.

GENERAL PROVISIONS

 

Article 1.

(Corporate Name)

The name of this company is “Chusik Hoesa Woori Geumyungjiju” (the “Company”), which shall be “Woori Financial Group Inc.” in English.

 

Article 2.

(Business Purpose)

The purposes of the Company are the acquisition and ownership of shares or interests in companies engaged in or closely related to the financial business, the control or administration and management of subsidiaries (as defined in the Financial Holding Company Act and includes subsidiaries, second-tier subsidiaries and companies controlled by second-tier subsidiaries; hereinafter the same shall apply) and any other business ancillary to such purposes:

 

  1.

Administration and management activities

 

  A.

to establish the business goals and approve business plans of subsidiaries

 

  B.

to evaluate the business performance of and determine compensation with respect to subsidiaries

 

  C.

to determine the corporate governance structure of subsidiaries

 

  D.

to inspect the affairs and financial status of subsidiaries

 

  E.

to perform internal control and risk management of subsidiaries

 

  F.

to perform activities ancillary to Items A through E

 

  2.

Business ancillary to the administration and management activities

 

  A.

to financially support subsidiaries

 

  B.

to make capital investments in subsidiaries or to raise funds for financial support to subsidiaries

 

  C.

to provide support for the development and sales of financial products of subsidiaries and other resources necessary for the business of subsidiaries

 

  D.

to conduct any business entrusted by subsidiaries in order to support their business, including IT, legal and accounting

 

  3.

Any other business for which a license, permit or approval is not required by law

 

  4.

Other business permitted under laws and regulations

 

  5.

Business ancillary or relating to the above

 

Article 3.

(Location of Head Office and Establishment of Branches)

 

(1)

The head office of the Company shall be located in Seoul, Korea.

 

(2)

The Company may establish branches, agencies, business offices and local subsidiaries in and outside of Korea by a resolution of the Board of Directors, as it deems necessary.

 

Article 4.

(Method of Public Notices)

Public notices of the Company shall be made on the website of the Company (www.woorifg.com); provided, that if such public notice on its website cannot be made due to a computer malfunction or any other unavoidable

 

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reason, public notice of the Company shall be made in The Seoul Shinmun and The Maeil Business News, daily newspapers published in Seoul, Korea.

CHAPTER II.

SHARES

 

Article 5.

(Total Number of Shares Authorized to be Issued)

The total number of shares authorized to be issued by the Company shall be 4,000,000,000 shares.

 

Article 6.

(Per Share Value)

The par value of each share to be issued by the Company shall be KRW 5,000.

 

Article 7.

(Total Number of Shares to be Issued upon Incorporation)

The total number of shares to be issued by the Company upon its incorporation shall be 680,164,306.

 

Article 8.

(Classes of Shares)

 

(1)

Shares to be issued by the Company shall be common stock and class shares.

 

(2)

Class shares to be issued by the Company shall be class shares entitled to preferred dividends, class shares without voting rights, convertible shares, redeemable shares, and shares incorporating all or some of the foregoing features.

 

(3)

Notwithstanding Articles 10 through 10-5, the number of class shares without voting rights to be issued by the Company shall not exceed one-half (1/2) of the total number of issued shares.

 

Article 9.

(Share Certificates)

Share certificates of the Company shall be issued in the following eight denominations: 1, 5, 10, 50, 100, 500, 1,000 and 10,000 shares, which may be split or reverse split upon request of a shareholder.

 

Article 10.

(Perpetual Preferred Shares)

 

(1)

Type 1 Class Shares to be issued by the Company shall be non-voting perpetual preferred shares (“Class Shares” in this Article), which shall be issued by a resolution of the Board of Directors. The total number of Class Shares to be issued shall not exceed one-half (1/2) of the total number of issued shares of the Company.

 

(2)

At the time of issuance of the Class Shares, the Board of Directors shall determine the terms of the Class Shares, including the dividend rate (at no less than one percent (1%) p.a., based on the par value), the type of assets to be distributed, methods of determining the value of such assets and conditions for the distribution of profits. If Class Shares for which the preferred dividend rate may be adjusted are issued, the Board of Directors shall determine the additional terms of such Class Shares including that the preferred dividend rate is subject to change, reasons for the adjustment, the reference date for adjustment and the method of adjustment.

 

(3)

Class Shares to be issued by the Company may be either participating or non-participating, or either cumulative or non-cumulative, which shall be determined by a resolution of the Board of Directors.

 

(4)

If there is a resolution not to pay the prescribed dividends on Class Shares, such Class Shares shall be deemed to have voting rights from the time of the next General Meeting of Shareholders until the close of any General Meeting of Shareholders in which a resolution is adopted to preferentially distribute dividends on such Class Shares.

 

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(5)

If the Company issues new shares, the new share allotment for Class Shares shall be made with the same shares as those allotted to common stock in the case of a capital increase for consideration and/or stock dividends, and with the same Class Shares in the case of a capital increase without consideration, in which case the allotment rate shall be as same as the stock allotment rate applicable to common stock.

 

Article 10-2.

(Redeemable Preferred Shares)

 

(1)

Type 2 Class Shares to be issued by the Company shall be non-voting redeemable preferred shares (“Class Shares” in this Article), which shall be issued by a resolution of the Board of Directors. Class Shares shall be retired with profits, and the number of Class Shares to be issued shall not exceed one-half (1/2) of the total number of issued shares of the Company.

 

(2)

With respect to Class Shares’ preferred dividends, participating or cumulative nature, revival of voting rights upon the non-distribution of dividends, class of shares to be allotted upon new share issuances and allotment rate, Articles 10(2) through (5) shall apply mutatis mutandis.

 

(3)

Class Shares redeemable at the option of the Company may be issued by a resolution of the Board of Directors, in which case such Class Shares may be redeemed at the option of the Company by a resolution of the Board of Directors based on the following:

 

  1.

The redemption period shall be within a period from the day immediately following the close of an ordinary General Meeting of Shareholders for the fiscal year in which the issuance date falls to the day one (1) month after the close of an ordinary General Meeting of Shareholders for the fiscal year in which the fiftieth (50th) anniversary of the issuance date falls, as determined by the Board of Directors; provided, that the Company may redeem all or a part of the redeemable shares prior to the redemption period pursuant to applicable laws and regulations by a resolution of the Board of Directors.

 

  2.

The Company may redeem all the Class Shares on a lump sum basis or in installments; provided, that in the case of a redemption in installments, such redemption may be determined by the Company to be made by lot or on a prorated basis, and any fractional shares arising from such proration shall not be redeemed.

 

  3.

If the Company redeems Class Shares, such redemption shall be made within three (3) months from the date of approval of a draft statement of appropriation of retained earnings at an ordinary General Meeting of Shareholders.

 

  4.

The redemption price shall be determined by the Board of Directors, at the time of resolution of the issuance of the Class Shares, from among par value, market value upon redemption, issue price, and the issue price plus the amount calculated by considering the dividend rate, market conditions and other various circumstances relating to the issuance of the Class Shares.

 

  5.

With respect to Class Shares that must be redeemed on the last day of the redemption period, if preferred dividends have not been distributed or if redemption has not been made due to lack of profits of the Company, the redemption period shall be extended up until the time the reason for such failure is resolved.

 

  6.

The Company shall notify the fact of redemption of redeemable shares to the holders of such shares and rights holders listed in the shareholder register at least two (2) weeks prior to the date of acquisition of the shares subject to redemption.

 

(4)

The Company may, by a resolution of the Board of Directors, issue Class Shares redeemable upon a request of the shareholders, in which case such shareholders may request redemption to the Company based on the following:

 

  1.

With respect to the redemption request period, Item 1 of Paragraph (3) shall apply mutatis mutandis; provided, that the “redemption period” under Item 1 of Paragraph (3) shall be replaced with “redemption request period.”

 

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  2.

With respect to the approval of a draft statement of appropriation of retained earnings, Item 3 of Paragraph (3) shall apply mutatis mutandis.

 

  3.

With respect to the redemption price, Item 4 of Paragraph (3) shall apply mutatis mutandis.

 

  4.

With respect to the extension of a redemption period, Item 5 of Paragraph (3) shall apply mutatis mutandis; provided, that “redemption period” under Item 5 of Paragraph (3) shall be replaced with “redemption request period.”

 

  5.

Shareholders may request the Company to redeem all the Class Shares on a lump sum basis or in installments; provided, that the Company may redeem the shares in installments if it lacks distributable profits at the time of the redemption request, and in the case of a redemption in installments, such redemption may be determined by the Company to be made by lot or on a prorated basis, and any fractional shares arising from such proration shall not be redeemed.

 

  6.

Shareholders requesting redemption shall notify the Company of their intention to redeem and the shares to be redeemed at least two (2) weeks prior to the date set for the redemption.

 

Article 10-3.

(Convertible Preferred Shares)

 

(1)

Type 3 Class Shares to be issued by the Company shall be non-voting convertible preferred shares (“Class Shares” in this Article), which shall be issued by a resolution of the Board of Directors. Class Shares shall have the right to be converted into common stock or other types of shares, and the number of Class Shares to be issued shall not exceed one-half (1/2) of the total number of issued shares of the Company.

 

(2)

With respect to Class Shares’ preferred dividends, participating or cumulative nature, revival of voting rights upon the non-distribution of dividends, class of shares to be allotted upon new share issuances and allotment rate, Articles 10(2) through (5) shall apply mutatis mutandis; provided, that in case of any conversion rate adjustment pursuant to the proviso of Item 1 of Paragraph (3), the allotment rate for a capital increase for consideration and/or stock dividend shall be subject to the conversion rate at the time of such adjustment.

 

(3)

Shareholders of Class Shares may request a conversion of such shares to the Company based on the following:

 

  1.

The issue price of any new shares to be issued by conversion shall be the issue price of such shares before conversion, and the number of shares to be issued by conversion shall be as same as that before the conversion; provided, that the conversion rate may be adjusted pursuant to anti-dilution provisions determined by the Board of Directors at the time of issuance within the scope of laws and regulations taking into consideration reasonable shareholder right anti-dilution practices.

 

  2.

The conversion period shall be determined by a resolution of the Board of Directors within a range of no less than one (1) year but less than ten (10) years from the issue date.

 

  3.

Shares to be issued by conversion shall be common stock or other types of shares.

 

(4)

With respect to the distribution of profits for shares to be issued by conversion, Article 13 shall apply mutatis mutandis.

 

Article 10-4.

(Redeemable Convertible Preferred Shares)

 

(1)

Type 4 Class Shares to be issued by the Company shall be non-voting redeemable convertible preferred shares (“Class Shares” in this Article), which shall be issued by a resolution of the Board of Directors. Class Shares shall be retired with profits and have the right to be converted into common stock or other types of shares. The number of Class Shares to be issued shall not exceed one-half (1/2) of the total number of issued of the Company.

 

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(2)

With respect to Class Shares’ preferred dividends, participating or cumulative nature, revival of voting rights upon the non-distribution of dividends, class of shares to be allotted upon new share issuances and allotment rate, Articles 10(2) through (5) shall apply mutatis mutandis; provided, that in case of any conversion rate adjustment pursuant to the proviso of Item 1 of Paragraph (3) of Article 10-3, the allotment rate for a capital increase for consideration and/or stock dividend shall be subject to the conversion rate at the time of such adjustment.

 

(3)

With respect to a redemption of Class Shares, Paragraph (3) or (4) of Article 10-2 shall apply mutatis mutandis.

 

(4)

With respect to a conversion of Class Shares, Paragraph (3) of Article 10-3 shall apply mutatis mutandis.

 

(5)

With respect to the distribution of profits for shares to be issued by conversion, Article 13 shall apply mutatis mutandis.

 

Article 10-5.

(Term Convertible Preferred Shares)

 

(1)

Type 5 Class Shares to be issued by the Company shall be non-voting term convertible preferred shares (“Class Shares” in this article), which shall be issued by a resolution of the Board of Directors. The number of Class Shares to be issued shall not exceed one-half (1/2) of the total number of issued shares of the Company.

 

(2)

With respect to Class Shares’ preferred dividends, participating or cumulative nature, revival of voting rights upon the non-distribution of dividends, class of shares to be allotted upon new share issuances and allotment rate, Articles 10(2) through (5) shall apply mutatis mutandis; provided, that in case of any conversion rate adjustment pursuant to the proviso of Item 1 of Paragraph (3) of Article 10-3, the allotment rate for a capital increase for consideration and/or stock dividend shall be subject to the conversion rate at the time of such adjustment.

 

(3)

The term of the Class Shares shall be determined by a resolution of the Board of Directors upon issuance within a range of one (1) year to fifty (50) years from issuance, and simultaneously upon the expiration of such term, the Class Shares shall be converted into shares of common stock in the same number; provided, that in case of any cumulative Class Shares, if any prescribed dividend fails to be made during such period, the relevant term may be extended until payment of the dividend, and the conversion rate may be adjusted pursuant to the proviso of Item 1 of Paragraph (3) of Article 10-3.

 

(4)

With respect to the distribution of profits for shares to be issued by conversion, Article 13 shall apply mutatis mutandis.

 

Article 11.

(Preemptive Rights)

 

(1)

The issuance of new shares by the Company by a resolution of the Board of Directors shall be as follows:

 

  1.

By granting the existing shareholders an opportunity to subscribe for new shares to be issued by the Company in proportion to their respective shareholdings

 

  2.

By granting certain persons (including the shareholders of the Company) (such as foreign investors, domestic and foreign financial institutions, institutional investors, allied companies, investment companies, management-participating type private equity funds and investment-purpose companies) an opportunity to subscribe for new shares to be issued by the Company, in a manner other than is set forth in Item 1, as deemed necessary to achieve the Company’s management objectives (including, but not limited to, introduction of new technology, improvement of the financial structure of the Company or its subsidiaries, etc., funding, and strategic business alliance), up to 50/100 of the total number of issued shares of the Company

 

  3.

By granting a large number of unspecified persons (including shareholders of the Company) an opportunity to subscribe for new shares to be issued by the Company, in a manner other than as set

 

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  forth in Item 1, up to 50/100 of the total number of issued shares of the Company, and allotting new shares to such persons who so subscribe

 

(2)

If new shares are allotted under Item 3 of Paragraph (1), such new shares shall be allotted by the following methods by a resolution of the Board of Directors:

 

  1.

Allotting new shares to a large number of unspecified persons who subscribe, without classifying the types of persons who are granted the opportunity to subscribe, for the new shares to be issued by the Company

 

  2.

Allotting new shares to members of the Employee Stock Ownership Association pursuant to applicable laws and granting a large number of unspecified persons an opportunity to subscribe for the new shares, including those which had not been subscribed for

 

  3.

Granting the existing shareholders the opportunity to preferentially subscribe for new shares to be issued by the Company and granting a large number of unspecified persons the opportunity to be allotted the new shares which had not been subscribed for

 

  4.

Granting certain types of persons an opportunity to subscribe for new shares to be issued by the Company in accordance with reasonable standards set forth in applicable laws, such as book building by an investment dealer or investment broker as underwriter or arranger

 

(3)

In allotting new shares under Item 2 or 3 of Paragraph (1), the Company shall give an individual notice to the shareholders or make a public notice of the matters prescribed under Article 416, Items 1, 2, 2-2, 3 and 4 of the Korean Commercial Code (the “KCC”), at least two (2) weeks prior to the due date for payment of the new shares; provided, that in lieu of such individual notice or public notice, a report of material matters may be publicly disclosed to the Financial Services Commission and the Korea Exchange pursuant to the Financial Investment Services and Capital Markets Act.

 

(4)

In the event of issuance of new shares by any of methods set forth in Paragraph (1), the type and number of shares to be issued and the issue price shall be determined by a resolution of the Board of Directors.

 

(5)

If the allotted new shares are not subscribed for, or the subscription price therefor is not paid, by the specified due date, such unsubscribed or unpaid shares shall be disposed of by a resolution of the Board of Directors in accordance with the relevant laws, including taking into account the appropriateness of the issue price.

 

(6)

Fractional shares, if any, resulting from the allotment of new shares shall be disposed of by a resolution of the Board of Directors.

 

(7)

In the event of allotment of new shares under Item 1 of Paragraph (1), the Company shall issue certificates of the warrants to the shareholders.

 

Article 12.

(Stock Options)

 

(1)

The Company may, by a special resolution of the General Meeting of Shareholders, grant to its employees (including the officers and employees of its related companies under Article 30 of the Enforcement Decree of the KCC; the same applies hereinafter in this Article) stock options pursuant to the KCC and other applicable laws, up to 15/100 of the total number of issued shares of the Company; provided, that such stock options may be granted to persons other than Directors of the Company, by a resolution of the Board of Directors, up to 1/100 of the total number of issued shares of the Company, subject to approval by the first General Meeting of Shareholders held after the date of grant of such stock options.

 

(2)

The persons who are entitled to receive stock options shall be the officers and employees under Paragraph (1) who have contributed, or are capable of contributing, to the establishment, management, technological innovation, etc. of the Company, except for persons who are ineligible for stock options under the relevant provisions of the KCC.

 

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(3)

The exercise price per share for the stock options shall be as set forth in the KCC and other applicable laws. This shall also apply in the case of adjustment of the exercise price after the grant of the stock options.

 

(4)

The shares (if the difference between the exercise price of the options and the market price of the shares is paid for in cash or treasury shares, the shares shall mean the shares on which the calculation for such difference is based) to be delivered upon the exercise of stock options shall be common stock.

 

(5)

With respect to the resolution of the General Meeting of Shareholders or the Board of Directors regarding the stock options under Paragraph (1), each of the following shall be determined:

 

  1.

Name of the grantee of the stock options

 

  2.

Method of granting the stock options

 

  3.

Matters relating to the exercise price of the stock options and adjustment thereof

 

  4.

Exercise period of the stock options

 

  5.

For each grantee, the type and number of shares to be issued or transferred upon exercise of the stock options

 

(6)

Stock options may be exercised within seven (7) years from the second (2nd) anniversary of the date of the resolution of the General Meeting of Shareholders or the Board of Directors granting such stock options.

 

(7)

The grantee of stock options may only exercise the stock options after such grantee has served for two (2) years or longer after the date of the resolution of the General Meeting of Shareholders or the Board of Directors under Paragraph (1); provided, that the grantee may exercise the stock options during the exercise period if, within two (2) years following the date of the resolution of the General Meeting of Shareholders or the Board of Directors under Paragraph (1), such person dies or resigns for reasons not attributable to the grantee.

 

(8)

In any of the following instances, the Company may, by a resolution of the Board of Directors, cancel stock options granted:

 

  1.

When the relevant grantee voluntarily resigns from such grantee’s position at the Company after receiving the stock options

 

  2.

When the relevant grantee inflicts material damage or loss on the Company intentionally or negligently

 

  3.

When the Company is unable to respond to the exercise of stock options due to its bankruptcy, etc.

 

  4.

When there occurs any other event for cancellation of the stock options pursuant to the stock option agreement executed with the relevant grantee

 

(9)

The Company may grant stock options on based on performance, and any exercise of such stock options may be cancelled or postponed if the relevant performance goal is not achieved.

 

(10)

With respect to profit distributions on new shares issued by the exercise of stock options, Article 13 shall apply mutatis mutandis.

 

Article 13.

(Issuance Date of New Shares for the Purpose of Dividends)

In the event the Company issues new shares through a capital increase for consideration, capital increase without consideration or stock dividends, the new shares shall, for purposes of the distribution of profits on such new shares, be deemed to have been issued at the end of the fiscal year immediately prior to the fiscal year during which the new shares were issued.

 

Article 14.

(Transfer Agent)

 

(1)

The Company shall have a transfer agent for its shares.

 

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(2)

The transfer agent, its office and the scope of its duties shall be determined by a resolution of the Board of Directors and a public notice shall be made in respect thereof.

 

(3)

The Company’s shareholder register or a copy thereof shall be kept at the office of the transfer agent. The Company shall cause the transfer agent to handle the recordation of changes in the shareholder register, registration of creation and cancellation of pledges over shares, indication of trust assets and cancellation thereof with respect to shares, issuance of share certificates, receipt of reports and other matters related to its shares.

 

(4)

The relevant procedures for the activities referred to in Paragraph (3) shall be carried out in accordance with the internal regulations applicable to transfer agents.

 

Article 15.

(Report of Addresses, Names and Seals or Signatures of Shareholders and Others)

 

(1)

Shareholders and registered pledgees shall file their names, addresses and seals or signatures with the office of the transfer agent.

 

(2)

Shareholders and registered pledgees who reside in a foreign country should report appointed agents and the addresses in Korea to which notices are to be sent.

 

(3)

The same shall apply in the case of any changes to the matters referred to in Paragraphs (1) and (2).

 

Article 16.

(Close of Shareholder Register and Record Date)

 

(1)

The Company shall suspend the entry of changes in the shareholder register from January 1 to January 15 of each year.

 

(2)

The shareholders listed in the shareholder register as of December 31 of each year shall be entitled to exercise their rights as shareholders at an ordinary General Meeting of Shareholders convened for such fiscal year.

 

(3)

The Company may, if necessary for convening an extraordinary General Meeting of Shareholders or for any other necessary reason, (i) suspend any entry of changes on rights in the shareholder register for a certain period not exceeding three months as determined by a resolution of the Board of Directors, or (ii) deem the shareholders listed on the shareholder register on a certain day determined by a resolution of the Board of Directors as shareholders entitled to exercise shareholders’ rights. If deemed necessary by the Board of Directors, the Company may suspend any entry of changes in the shareholder register and concurrently designate a record date. The Company shall give a notice thereof to the public at least two (2) weeks prior to the scheduled date of the meeting.

CHAPTER III.

BONDS

 

Article 17.

(Issuance of Bonds)

 

(1)

The Company may issue bonds by a resolution of the Board of Directors.

 

(2)

The Board of Directors may delegate to the Representative Director the issuance of bonds within a period not exceeding one (1) year, by designating the amount and types of the bonds to be issued.

 

(3)

The Company may register bonds in the electronic register of an electronic registration agency in lieu of issuing bond certificates as set forth in Paragraph (1).

 

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Article 18.

(Issuance of Convertible Bonds)

 

(1)

The Company may, in any of the following cases, issue convertible bonds to persons other than existing shareholders of the Company, by a resolution of the Board of Directors, up to an aggregate par value of KRW 2 trillion:

 

  1.

Granting certain persons (including shareholders of the Company) (such as foreign investors, domestic and foreign financial institutions, institutional investors, allied companies, investment companies, management participating-type private equity funds and investment-purpose companies) an opportunity to subscribe for convertible bonds to be issued by the Company, as deemed necessary to achieve the Company’s management objectives (including, but not limited to, introduction of new technology, improvement of the financial structure of the Company or its subsidiaries, etc., funding, and strategic business alliance)

 

  2.

Granting a large number of unspecified persons (including shareholders of the Company) an opportunity to subscribe for bonds to be issued by the Company and allotting convertible bonds to such persons who so subscribe

 

(2)

If bonds are allotted under Item 2 of Paragraph (1), they shall be allotted by any of the following methods by a resolution of the Board of Directors:

 

  1.

Allotting convertible bonds to a large number of unspecified persons who subscribe, without classifying the types of persons who are granted the opportunity to subscribe for the bonds

 

  2.

Granting existing shareholders the opportunity to preferentially subscribe for convertible bonds to be issued by the Company and granting a large number of unspecified persons the opportunity to be allotted convertible bonds which have not been subscribed for

 

  3.

Granting certain types of persons the opportunity to subscribe for convertible bonds to be issued by the Company, in accordance with reasonable standards set forth in applicable laws, such as book building by an investment trader or investment broker as underwriter or arranger

 

(3)

The Board of Directors may grant conversion rights to only a part of the convertible bonds referred to in Paragraph (1).

 

(4)

The shares to be issued upon conversion shall be common stock, and the conversion price, which shall be equal to or greater than the par value of the shares, shall be determined by the Board of Directors at the time of issuance of the convertible bonds.

 

(5)

The conversion period shall commence three (3) months after the issue date of the convertible bonds and end on the date immediately preceding the redemption date thereof; provided, that the conversion period may be adjusted within such period by a resolution of the Board of Directors.

 

(6)

For purposes of any payment of accrued interest on the convertible bonds and any distribution of profits on the shares issued upon conversion, Article 13 shall apply mutatis mutandis.

 

Article 19.

(Issuance of Bonds with Warrants)

 

(1)

The Company may, in any of the following cases, issue bonds with warrants to persons other than existing shareholders of the Company, by a resolution of the Board of Directors, up to an aggregate par value of KRW 2 trillion:

 

  1.

Granting certain persons (including shareholders of the Company) (such as foreign investors, domestic and foreign financial institutions, institutional investors, allied companies, investment companies, management participating-type private equity funds and investment-purpose companies) an opportunity to subscribe for bonds with warrants to be issued by the Company, as deemed necessary to achieve the Company’s management objectives (including, but not limited to, introduction of new technology, improvement of the financial structure of the Company or its subsidiaries, etc., funding, and strategic business alliance)

 

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  2.

Granting a large number of unspecified persons (including shareholders of the Company) an opportunity to subscribe for bonds to be issued by the Company and allotting bonds with warrants to such persons who so subscribe

 

(2)

If bonds are allotted under Item 2 of Paragraph (1), such bonds shall be allotted by any of the following methods by a resolution of the Board of Directors:

 

  1.

Allotting bonds to a large number of unspecified persons who subscribe, without classifying the types of persons who are granted the opportunity to subscribe for the bonds

 

  2.

Granting existing shareholders the opportunity to preferentially subscribe for bonds with warrants to be issued by the Company and granting a large number of unspecified persons the opportunity to be allotted bonds with warrants which have not been subscribed for

 

  3.

Granting certain types of persons the opportunity to subscribe for bonds with warrants to be issued by the Company, in accordance with reasonable standards set forth in applicable laws, such as book building by an investment trader or investment broker as underwriter or arranger

 

(3)

The exercise price of the warrants shall be determined by the Board of Directors; provided, that the aggregate amount of such exercise price shall not exceed the aggregate par value of the bonds with warrants.

 

(4)

The shares to be issued upon the exercise of the warrants shall be common stock, and the issue price, which shall be equal to or greater than the par value of the shares, shall be determined by the Board of Directors at the time of issuance of the bonds with warrants.

 

(5)

The exercise period of the warrants shall commence three (3) months after the issue date of the bonds with warrants and end on the date immediately preceding the redemption date thereof; provided, that the exercise period may be adjusted within the such period by a resolution of the Board of Directors.

 

(6)

For purposes of any distributions of profits on the shares issued upon exercise of the warrants, Article 13 shall apply mutatis mutandis.

 

Article 20.

(Issuance of Participating Bonds)

 

(1)

The Company may issue participating bonds to persons other than existing shareholders of the Company, by a resolution of the Board of Directors, up to an aggregate par value of KRW 1 trillion.

 

(2)

With respect to the participation in profit distribution on the bonds under Paragraph (1), the relevant matters shall be determined by the Board of Directors upon issuance of the bonds based on the profit distribution of common stock.

 

Article 21.

(Issuance of Contingent Capital Securities)

 

(1)

The Company may, by a resolution of the Board of Directors, issue bonds with the condition that such bonds shall be convertible into shares or the Company shall be exempted from the obligations to redeem such bonds and pay interest thereon upon the occurrence of any of the events predetermined by a resolution of the Board of Directors according to objective and reasonable standards at the time of the issuance of such securities, which are different from the bonds under Articles 469(2), 513 and 516-2 of the KCC (such bonds shall be, respectively, “convertible contingent capital securities” and “bail-in contingent capital securities” and collectively, “contingent capital securities”).

 

(2)

The Company may, by a resolution of the Board of Directors, issue convertible contingent capital securities up to the aggregate par value of KRW 2 trillion and may issue bail-in contingent capital securities up to the aggregate par value of KRW 20 trillion.

 

(3)

Any convertible contingent capital securities issued by the Company shall be converted into shares issued by the Company pursuant to applicable laws and regulations including the Financial Holding Company Act

 

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  as follows; the Board of Directors of the Company may determine the class and terms of the shares to be issued by conversion when the convertible contingent capital securities are issued, to the extent permitted by applicable laws and regulations:

 

  1.

If the Company is designated as an insolvent financial institution under the Act on the Structural Improvement of the Financial Industry

 

  2.

If the Company satisfies certain conditions relating to the Company’s managerial performance or financial structure that are predetermined at the time of issuance of the convertible contingent capital securities

 

(4)

The obligations of redemption and the payment of interest of any bail-in contingent capital securities issued by the Company shall be reduced (“debt restructuring”) in the event of the items set forth in Paragraph (3). The Board of Directors may determine the details and terms to be changed due to debt restructuring at the time of issuance of the bail-in contingent capital securities to the extent permitted by applicable laws and regulations.

 

(5)

The Company’s shareholders shall be entitled to convertible contingent capital securities prorated to the number of shares held in an issuance of convertible contingent capital securities.

 

(6)

Notwithstanding Paragraph (5), the Company may issue convertible contingent capital securities to persons other than existing shareholders by a resolution of the Board of Directors as follows:

 

  1.

to Korean and foreign financial institutions or institutional investors for urgent funding purposes, to the extent the number of shares to be issued by a conversion of the convertible contingent capital securities does not exceed the total number of issued shares

 

  2.

to foreign investors, Korean and foreign financial institutions, institutional investors, allied companies, etc. by a method other than that set forth in Item 1 if necessary for managerial purposes of the Company, such as the introduction of new technology, improvement of the financial structure of the Company or its subsidiary, etc., funding, strategic business alliance, etc., to the extent the number of shares to be issued by a conversion of the convertible contingent capital securities does not exceed the total number of issued shares

 

  3.

where a large number of unspecified persons (including shareholders of the Company) are granted the opportunity to subscribe for convertible contingent capital securities, and thereby convertible contingent capital securities are issued to subscribers through allotment

 

Article 22.

(Applicable Provisions for the Issuance of Bonds)

With respect to issuance of bonds, Articles 14 and 15 shall apply mutatis mutandis.

CHAPTER IV.

GNENERAL MEETINGS OF SHAREHOLDERS

 

Article 23.

(Timing of Convocation)

 

(1)

A General Meeting of Shareholders of the Company shall be an ordinary General Meeting of Shareholders or an extraordinary General Meeting of Shareholders.

 

(2)

An ordinary General Meeting of Shareholders shall be held within three (3) months after the end of each fiscal year, and an extraordinary General Meeting of Shareholders may be convened as deemed necessary.

 

Article 24.

(Person Authorized to Convene)

 

(1)

Except as otherwise prescribed by applicable laws and regulations, the Representative Director of the Company shall convene all General Meetings of Shareholders by a resolution of the Board of Directors.

 

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(2)

If the Representative Director of the Company is absent or unable to perform his/her duties as such, the highest ranking Director in accordance with the order of priority determined by the Board of Directors shall convene the General Meetings of Shareholders.

 

Article 25.

(Notice of Convening a Meeting)

 

(1)

In convening any General Meeting of Shareholders, a written or, upon obtaining consent from each shareholder, an electronic notice stating the date, place and purpose of the meeting and the matters that a listed company is required to notify and give public notice on pursuant to the KCC and other applicable laws and regulations shall be dispatched to the shareholders at least two (2) weeks prior to the date set for such meeting.

 

(2)

With respect to the shareholders holding shares 1/100 or less of the total number of voting shares of the Company, the written or electronic notice under Paragraph (1) on the matters under Paragraph (1) may be replaced by (i) publishing two (2) or more public notices in at least two (2) daily newspapers set forth in Article 4, or (ii) making a public notice on the Data Analysis, Retrieval and Transfer System operated by the Financial Supervisory Service or the Korea Exchange announcing the convening of the General Meeting of Shareholders and the purpose of the meeting two (2) weeks in advance.

 

(3)

In lieu of a notice or public notice of the matters that a listed company is required to notify and give public notice on under Paragraph (1), such matters may be made available to the general public in a manner set forth in the KCC and other applicable laws and regulations, such as posting on the Company’s website.

 

Article 26.

(Place of Meeting)

A General Meeting of Shareholders shall be held at the location of the Company’s head office but, if necessary, may also be held in another place in its vicinity.

 

Article 27.

(Chairman)

 

(1)

The Representative Director of the Company shall preside as chairman at all General Meetings of Shareholders.

 

(2)

If the Representative Director of the Company is absent or unable to perform his/her duties as chairman of a General Meeting of Shareholders, Article 24(2) shall apply mutatis mutandis.

 

Article 28.

(Chairman’s Authority to Maintain Order)

 

(1)

The chairman of the General Meeting of Shareholders may order persons who purposely speak or act in a manner that prevents or disrupts the deliberations of the General Meeting of Shareholders or who otherwise significantly disturb the public order of the General Meeting of Shareholders to stop their remarks or to leave the place of meeting.

 

(2)

The chairman may restrict the length and frequency of the speech of shareholders if it is necessary for the smooth deliberations of the General Meeting of Shareholders.

 

Article 29.

(Voting Rights)

Each shareholder shall have one (1) vote per share.

 

Article 30.

(Split Voting)

 

(1)

If any shareholder holding two (2) or more votes wishes to split the votes, such shareholder shall notify the Company, in writing, of such intent and the reasons therefor no later than three (3) days prior to the date set for the General Meeting of Shareholders.

 

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(2)

The Company may refuse to allow the shareholder to split the votes, unless the shareholder acquired the shares in trust or otherwise holds the shares for and on behalf of another person.

 

Article 31.

(Voting by Proxy)

 

(1)

A shareholder may exercise voting through a proxy.

 

(2)

A proxy holder under Paragraph (1) shall file with the Company documents (power of attorney) evidencing the authority to act as a proxy prior to the commencement of the General Meeting of Shareholders.

 

Article 32.

(Method of Resolution)

 

(1)

Except as otherwise provided in the applicable laws and regulations or herein, all resolutions of a General Meeting of Shareholders shall be adopted by the affirmative vote of a majority of the shareholders present, and such votes shall represent not less than 1/4 of the total number of issued shares of the Company.

 

(2)

The number of voting rights exercised under Article 33 shall be included in the number of voting rights of the shareholders present at a General Meeting of Shareholders.

 

Article 33.

(Exercise of Voting Rights in Writing)

 

(1)

Any shareholder may, by a resolution of the Board of Directors, exercise voting rights in writing without being present at a General Meeting of Shareholders.

 

(2)

In the case of Paragraph (1), the Company shall attach to the convening notice of the General Meeting of Shareholders written forms and reference materials necessary for the exercise of voting rights.

 

(3)

Any shareholder who intends to exercise voting rights in writing shall indicate the necessary information pursuant to Paragraph (2) in written form, and shall submit the completed forms to the Company at least one (1) day prior to the date of the General Meeting of Shareholders.

 

Article 34.

(Minutes of General Meetings of Shareholders)

The course of the proceedings of a General Meeting of Shareholders and the results thereof shall be recorded in the minutes, which shall be affixed with the names and seal impressions or signatures of the chairman and the directors present at the meeting, and shall be kept at the head office and branches of the Company.

CHAPTER V.

DIRECTORS AND BOARD OF DIRECTORS

 

Article 35.

(Number of Directors)

 

(1)

The Company shall have 15 Directors or less.

 

(2)

Directors shall be classified as standing Directors, outside Directors and other Directors who are not engaged in the regular business of the Company (“non-standing Directors”); provided that the number of outside Directors shall be at least three (3) and form a majority of the total number of Directors.

 

Article 36.

(Election of Directors)

 

(1)

Directors shall be elected at a General Meeting of Shareholders.

 

(2)

The Representative Director, outside Directors and Audit Committee members shall be elected among those recommended by the Committee for Recommending Executive Officer Candidates.

 

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Article 37.

(Term of Director)

 

(1)

The term of office of a Director shall be not more than three (3) years as determined at a General Meeting of Shareholders, and a Director so appointed may be reappointed

 

(2)

Notwithstanding Paragraph (1), the term of office of an outside Director shall be within two (2) years, with the right to be reappointed for subsequent one-year periods, for up to a total of six (6) years.

 

(3)

The term of office for a Director under Paragraphs (1) and (2) shall be extended until the close of an ordinary General Meeting of Shareholders held with respect to the fiscal year which is the last fiscal year during the Director’s term in office.

 

Article 38.

(Qualification Requirements for Outside Directors)

 

(1)

The Company shall appoint an outside Director with expertise and insight, in consideration of the following matters:

 

  1.

Whether such person has sufficient professional knowledge or practical experience in such relevant areas of finance, economics, business management, accounting, law, consumer protection, information technology or others as necessary to perform the duties of an outside Director

 

  2.

Whether such person can fairly perform the duties of an outside Director for the interests of the shareholders and financial consumers without being bound by special interest

 

  3.

Whether such person has the ethics and a sense of responsibility appropriate to perform the duties of an outside Director

 

  4.

Whether such person can allocate sufficient time and exercise efforts as required to faithfully perform the duties of an outside Director

 

(2)

No person who falls under the disqualifications set forth in the Act on the Governance Structure of Financial Companies and other relevant laws shall be an outside Director.

 

Article 39.

(By-election)

 

(1)

Any vacancy in the office of a Director shall be filled by an election at a General Meeting of Shareholders, except where the required number under Article 35 is satisfied and there is no difficulty in executing business affairs.

 

(2)

If, due to resignation or death of an outside Director or a similar cause, the required number under Article 35 is not satisfied, such requirement shall be satisfied at the first General Meeting of Shareholders convened after the occurrence of such cause.

 

(3)

The term of office of a substitute Director shall begin on the date of such person’s appointment.

 

Article 40.

(Appointment of the Representative Director)

The Company shall appoint one (1) Representative Director of the Company by a resolution of the Board of Directors.

 

Article 41.

(Duties of the Representative Director)

 

(1)

The Representative Director shall represent the Company, execute the resolutions of the Board of Directors, and operate the business of the Company as determined by the Board of Directors.

 

(2)

If the Representative Director is absent or unable to perform such duties, the position shall be filled in accordance with the order of priority determined by the Board of Directors.

 

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Article 42.

(Duties of the Directors)

 

(1)

A Director shall faithfully perform duties in accordance with applicable laws and regulations as well as these Articles of Incorporation and shall not, either during the Director’s term of office or thereafter, disclose business secrets of the Company that have come to the Director’s knowledge in the course of performing duties.

 

(2)

Upon discovering a fact that might potentially cause material damage to the Company, a Director shall immediately report such fact to the Audit Committee.

 

Article 43.

(Composition and Role of the Board of Directors)

 

(1)

The Board of Directors shall consist of Directors and shall adopt resolutions regarding matters for the Board of Directors prescribed by the KCC, the Act on the Governance Structure of Financial Companies and relevant laws and other important matters for business of the Company.

 

(2)

The Board of Directors shall review and resolve the following matters with the purpose of increasing profits to the shareholders:

 

  1.

Matters regarding business management objectives and evaluation

 

  2.

Matters regarding amendments to the Articles of Incorporation

 

  3.

Matters regarding budgets and the annual closing of accounts

 

  4.

Matters regarding material changes to the organization, such as dissolution, business transfer and merger, etc.

 

  5.

Matters regarding the enactment, amendment and repeal of internal control standards and risk management standards

 

  6.

Matters regarding the establishment of governance structure policies, such as the succession of management by the chief executive officer, etc.

 

  7.

Matters regarding supervision of conflicts of interest between the Company and major shareholders, officers, etc.

 

  8.

Other matters set forth by the laws and regulations and the Regulations of the Board of Directors

 

(3)

Detailed matters of each Item of Paragraph (2) and detailed matters regarding the operation of the Board of Directors shall be determined by resolutions of the Board of Directors.

 

Article 44.

(Chairman of the Board of Directors)

 

(1)

The chairman of the Board of Directors (the “Chairman”) shall be annually appointed from among the outside Directors by a resolution of the Board of Directors.

 

(2)

If the Board of Directors appoints a Chairman who is not an outside Director, a person representing outside Directors (the “Senior Outside Director”) shall be appointed by a resolution of the Board of Directors.

 

(3)

If the Chairman is absent or unable to perform chairman duties, the Director as determined by the Board of Directors shall perform such duties.

 

Article 45.

(Convening of a Meeting of the Board of Directors)

 

(1)

Meetings of the Board of Directors of the Company shall be either ordinary Board of Directors meetings or extraordinary Board of Directors meetings, both of which shall be convened by the Chairman.

 

(2)

Ordinary Board of Directors meetings shall be convened once a quarter, and extraordinary Board of Directors meetings may be convened from time to time as deemed necessary by the Chairman.

 

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(3)

Any other Director may request the Chairman to convene a meeting of the Board of Directors. If the Chairman refuses to convene a meeting of the Board of Directors without a justifiable cause, another Director may convene a meeting of the Board of Directors.

 

(4)

In convening a meeting of the Board of Directors, a convening notice stating the date, time and place of the meeting and the purposes for which such meeting has been convened shall be sent to each Director together with the agenda and related materials, at least one (1) week prior to the scheduled date of such meeting. However, if there is an urgent reason, the said period may be shortened, and if the consent of all directors has been obtained, the convening procedures may be omitted.

 

Article 46.

(Method of Resolution of the Meetings of Board of Directors)

 

(1)

Except as otherwise provided in the KCC, the Act on the Governance Structure of Financial Companies and other applicable laws and regulations, all resolutions of Board of Directors meetings shall be adopted by the affirmative vote of more than a majority of the Directors present at such meeting where more than a majority of the total number of Directors are present.

 

(2)

The Board of Directors may allow all or part of the Directors to participate, without being physically present at a Board of Directors meeting, in the resolution of such meeting, by means of a communication system whereby they may simultaneously receive and transmit live audio communication. Any Director participating in a Board of Directors meeting in such manner shall be deemed to be present in person at such meeting.

 

(3)

Any Director who has a special interest in a resolution matter shall not be entitled to vote in such resolution.

 

Article 47.

(Minutes of the Meetings of Board of Directors)

 

(1)

The proceedings of a Board of Directors meeting shall be recorded in the minutes.

 

(2)

The minutes shall record agenda, proceedings and results of a Board of Directors meeting and the dissenting Directors, if any, and such Directors’ reasons for dissenting, and shall be affixed with the names and seal impressions or signatures of the Directors present thereat.

 

Article 48.

(Committees within the Board of Directors)

 

(1)

The Company shall have the following committees within the Board of Directors:

 

  1.

Committee for Recommending Executive Officer Candidates

 

  2.

Audit Committee

 

  3.

Board Risk Management Committee

 

  4.

Compensation Committee

 

  5.

Committee for Recommending Group Executive Officer Candidates

 

(2)

Details regarding composition, powers, operation, etc. of each of such committees shall be determined by a resolution of the Board of Directors.

 

Article 49.

(Remuneration, etc. for Directors)

The remuneration, bonus and severance pay, etc. for the Directors shall be determined by a resolution of the General Meeting of Shareholders.

 

Article 50.

(Reduction of Directors’ Liability to Company)

 

(1)

The Company may, by a resolution at a General Meeting of Shareholders, exempt the liabilities of a Director of the Company under Article 399 of the KCC for the amount exceeding six (6) times (or three

 

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  (3) times in the case of an outside Director) the amount of the Director’s remuneration (including bonus or profits from the exercise of stock options) received by such Director for the past one (1)-year period prior to the date the Director has engaged in the relevant act.

 

(2)

Paragraph (1) shall not apply with respect to a Director who causes losses through willful misconduct or gross negligence or falls under Article 397, 397-2 or 398 of the KCC.

CHAPTER VI.

AUDIT COMMITTEE

 

Article 51.

(Composition of Audit Committee)

 

(1)

The Company shall establish an Audit Committee as set forth in the Act on the Governance Structure of Financial Companies.

 

(2)

The Audit Committee shall consist of three (3) or more Directors, and 2/3 or more of the members of the Audit Committee shall be outside Directors.

 

(3)

The members of the Audit Committee shall be appointed at a General Meeting of Shareholders from among the candidates recommended by the Committee for Recommending Executive Officer Candidates by the affirmative vote of 2/3 or more of the total members of such Committee.

 

(4)

In cases where the requirements set forth in Paragraph (2) cannot be satisfied due to a cause such as the resignation or death of a member of the Audit Committee, the Company shall ensure that the requirements are met at the first General Meeting of Shareholders convened after the occurrence of such cause.

 

(5)

The Audit Committee shall appoint its representative (i.e., its chairman) from among the outside Directors by a resolution of the Audit Committee. In such case, several persons can be appointed as joint representatives of the Audit Committee.

 

Article 52.

(Duties of the Audit Committee)

 

(1)

The Audit Committee shall audit the accounting records and business activities of the Company.

 

(2)

If necessary, the Audit Committee may request the convocation of a meeting of the Board of Directors by submitting the agenda and reasons for convening such meeting in writing to the Chairman of the Board of Directors.

 

(3)

If, despite the request under Paragraph (2), the Chairman of the Board of Directors fails to convene a meeting of the Board of Directors immediately, the requesting Audit Committee may convene such meeting.

 

(4)

The Audit Committee may request the convocation of an extraordinary General Meeting of Shareholders by submitting to the Board of Directors a document stating the purposes of the meeting and reasons for convening such meeting.

 

(5)

The Audit Committee may request business reports from any subsidiary of the Company if it is necessary for performing its duties. In such case, if the subsidiary does not promptly report to the Audit Committee or the Audit Committee needs to verify the contents of such report, the Audit Committee may investigate the status of business activities and the financial condition of the subsidiary.

 

(6)

The Audit Committee shall appoint external auditors as set forth in the External Audit of Joint-Stock Companies Act.

 

(7)

The Audit Committee shall carry out any other matters delegated by the Board of Directors.

 

(8)

No matters resolved by the Audit Committee may be resolved again by the Board of Directors.

 

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Article 53.

(Audit Records)

The Audit Committee shall prepare audit records for the audit it has conducted. The audit records shall record the proceedings and results of the audit, and shall be signed and sealed by or shall bear the signature of the members of the Audit Committee who have conducted such audit.

CHAPTER VII.

ACCOUNTING

 

Article 54.

(Fiscal Year)

The fiscal year of the Company shall begin on January 1 and end on December 31 of each year.

 

Article 55.

(Preparation and Keeping of Financial Statements)

 

(1)

The Representative Director of the Company shall prepare and have the Audit Committee audit the following documents and any supplementary schedules attached thereto, as well as the business report at least six (6) weeks prior to the date of an ordinary General Meeting of Shareholders, and thereafter submit the following documents and business report to an ordinary General Meeting of Shareholders:

 

  1.

Statement of financial position

 

  2.

Statement of income

 

  3.

Other documents indicating the Company’s financial status and management performance, which are set forth in the Enforcement Decree of the KCC

 

(2)

If the Company is required to prepare consolidated financial statements pursuant to the Enforcement Decree of the KCC, the documents under Paragraph (1) shall include consolidated financial statements.

 

(3)

The Audit Committee shall submit an audit report to the Representative Director at least one (1) week prior to the date of an ordinary General Meeting of Shareholders.

 

(4)

The Representative Director shall keep the documents set forth in each Item of Paragraph (1), together with its supplementary schedules, documents under Paragraph (2), the business report and the audit report, at the head office of the Company for a period of five (5) years, and their certified copies at branches for a period of three (3) years, beginning from one (1) week prior to an ordinary General Meeting of Shareholders.

 

(5)

If the General Meeting of Shareholders approves the documents set forth in each Item of Paragraph (1) and Paragraph (2), the Representative Director shall promptly publicly disclose the statement of financial position, the statement of income and the consolidated statement of financial position and consolidated statement of income. Notwithstanding Article 4, such public disclosure may be given in the form of electronic documents prescribed under the Financial Holding Company Act.

 

Article 56.

(Appointment of External Auditors)

The Company shall appoint an external auditor selected by the Audit Committee as set forth in the External Audit of Joint-Stock Companies Act, and the Company shall post such appointment on the website of the Company.

 

Article 57.

(Disposition of Profits)

The Company shall dispose of the retained earnings of the Company of each fiscal year as follows:

 

  1.

Earned surplus reserve

 

  2.

Other statutory reserves

 

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  3.

Dividends

 

  4.

Voluntary reserves

 

  5.

Other appropriated retained earnings

 

Article 58.

(Retirement of Shares)

 

(1)

The Company may retire shares within the scope of profits distributable to shareholders by a resolution of the Board of Directors.

 

(2)

In order to retire shares pursuant to Paragraph (1), the Board of Directors shall determine the following by resolution:

 

  1.

Types and the total number of shares to be retired

 

  2.

The total amount of shares to be acquired for retirement

 

  3.

Acquisition period for the shares; in this case, the acquisition period shall be before the first ordinary General Meeting of Shareholders to be held after the resolution of such retirement by the Board of Directors

 

(3)

If shares are acquired for the purpose of retirement pursuant to Paragraph (1), the following criteria shall be followed:

 

  1.

The method and criteria as prescribed in the Financial Investment Services and Capital Markets Act shall be followed; in this case, the acquisition period and method shall satisfy the criteria set forth in the Enforcement Decree of the Financial Investment Services and Capital Markets Act; and

 

  2.

The total price of the shares to be acquired for the purpose of retirement shall not be more than the amount as prescribed in the Enforcement Decree of the Financial Investment Services and Capital Markets Act within the scope available for profit distribution at the end of the relevant fiscal year pursuant to Article 462(1) of the KCC.

 

(4)

When the shares are retired pursuant to Paragraph (1), the matters referred to in each Item of Paragraph (2) and the reasons of retirement shall be reported at the first ordinary General Meeting of Shareholders to be held after the resolution of such retirement.

 

Article 59.

(Dividends)

 

(1)

Dividends may be distributed in cash, stock or other property.

 

(2)

Dividends under Paragraph (1) shall be paid to the shareholders listed in the shareholder register of the Company or registered pledgees as of the last day of each fiscal year.

 

(3)

If the Company distributes dividends in other property under Paragraph (1), the shareholders may request to be paid in cash rather than in such property, and the Company may pay cash instead of such property to shareholders holding less than a certain number of shares of the Company.

 

Article 60.

(Interim Dividends)

 

(1)

The Company may pay interim dividends under the KCC and other applicable laws and regulations to the shareholders listed in the shareholder register of the Company as of a certain date determined by the resolution of the Board of Directors only once each fiscal year.

 

(2)

The interim dividends shall be paid within the amount remaining after deducting the following from the net assets recorded in the statement of financial position of the immediately preceding fiscal year :

 

  1.

Paid in capital for the immediately preceding fiscal year

 

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  2.

Sum of capital reserves and earned surplus reserves accumulated up to the immediately preceding fiscal year

 

  3.

Unrealized gain as set forth in the Enforcement Decree of the KCC

 

  4.

Amount resolved to be distributed as profits at an ordinary General Meeting of Shareholders for the immediately preceding fiscal year

 

  5.

Voluntary reserves accumulated for a specific purpose up to the immediately preceding fiscal year pursuant to these Articles of Incorporation or a resolution of the General Meeting of Shareholders

 

  6.

Earned surplus reserves to be accumulated for the relevant fiscal year as a result of the interim dividends

 

(3)

If new shares are issued before the record date under Paragraph (1) but following the commencement of a fiscal year (including cases of capitalization of reserves, stock dividends, requests for conversion of convertible bonds, exercise of warrants with respect to bonds with warrants and exercise of stock options), such new shares shall be deemed to have been issued at the end of the immediately preceding fiscal year with respect to interim dividends hereunder.

 

(4)

For interim dividends, the same dividend rate as that of common stock of the Company shall apply to class shares under Articles 10 through 10-5.

 

(5)

No interim dividends shall be paid if profit is not expected for the relevant fiscal year.

 

Article 61.

(Extinctive Prescription Period for Claim for Payment of Dividends)

 

(1)

The right to dividends shall be extinguished by extinctive prescription if the right is not exercised for five (5) years.

 

(2)

After the expiration of the extinctive prescription period set forth in Paragraph (1), any unclaimed dividends shall revert to the Company.

 

Article 62.

(Supplementary Rules)

Matters not provided herein shall be determined by a resolution of the Board of Directors or at a General Meeting of Shareholders, or the applicable laws and regulations including the KCC.

 

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Addenda

 

Article 1.

(Effective Date)

These Articles of Incorporation shall take effect as of the date of the registration of incorporation of the Company.

 

Article 2.

(Initial Transfer Agent after Incorporation)

Notwithstanding Article 14, the initial transfer agent after incorporation shall be the Korea Securities Depository.

 

Article 3.

(Appointment of Initial Representative Director, Outside Directors and Audit Committee Members after Incorporation)

Notwithstanding Articles 36 and 40, the initial Representative Director, outside Directors and Audit Committee members shall be appointed by approval of the stock transfer plan of the stock transferring companies without recommendation of the Committee for Recommending Executive Officer Candidates.

 

Article 4.

(Term of Office of Initial Directors after Incorporation)

Notwithstanding Article 37, the term of office of the initial Directors after incorporation of the Company shall be determined by approval of the stock transfer plan of the stock transferring companies to the extent permitted under applicable laws and regulations.

 

Article 5.

(Remuneration of Directors for the Initial Fiscal Year after Incorporation)

Notwithstanding Article 49, the remuneration for a Director for the initial fiscal year after incorporation of the Company shall be determined at the first meeting of the Board of Directors after incorporation of the Company with KRW 3.2 billion as the maximum amount.

 

Article 6.

(Initial Fiscal Year after Incorporation)

Notwithstanding Article 54, the initial fiscal year of the Company after incorporation of the Company shall be from the date of incorporation to December 31, 2019.

 

Article 7.

(Stock Transferring Companies)

In order to incorporate the Company, the stock transferring companies set forth below shall prepare these Articles of Incorporation and affix their names and seals hereon as of June 19, 2018.

Woori Bank

51, Sogong-ro, Jung-gu, Seoul

Representative Director: Tae Seung Sohn (seal)

Woori FIS Co., Ltd.

17, World Cup buk-ro 60-gil, Mapo-gu, Seoul

Representative Director: Jae Hyun Cho (seal)

Woori Finance Research Institute Co., Ltd.

110, Huam-ro, Jung-gu, Seoul

Representative Director: Kwang Hae Choi (seal)

Woori Credit Information Co., Ltd.

15, Eulji-ro 11-gil, Jung-gu, Seoul

Representative Director: Hong Hee Kim (seal)

 

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Woori Fund Services Co., Ltd.

17, World Cup buk-ro 60-gil, Mapo-gu, Seoul

Representative Director: Hyeong Min Park (seal)

Woori Private Equity Asset Management Company, Ltd.

136, Sejong-daero, Jung-gu, Seoul

Representative Director: Kyung Woo Kim (seal)

 

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PART II

INFORMATION NOT REQUIRED IN PROSPECTUS

Item 20. Indemnification of Directors and Officers

Our directors, executive officers and the members of our Audit Committee are insured against liability relating to the performance of their duties under a directors’ and officers’ insurance policy. The policy provides coverage of up to W50 billion in the aggregate for all insured persons, with respect to each incident triggering liability.

Item 21. Exhibits and Financial Statement Schedules

 

  (a)    Exhibits

 

Number

  

Description

  2.1    Stock Transfer Plan (included as Annex I to the prospectus which is part of this Registration Statement and incorporated by reference herein).
  3.1    Proposed Articles of Incorporation of Woori Financial Group (included as Attachment A of Annex I to the prospectus which is part of this Registration Statement and incorporated by reference herein).
  4.1    Form of Second Amended and Restated Deposit Agreement to be entered into among Woori Financial Group, Citibank, N.A., as depositary, all holders and beneficial owners from time to time of American depositary shares issued thereunder, and Woori Bank, joining in execution solely to amend the Amended and Restated Deposit Agreement, including the form of American depositary receipt.
  5.1    Opinion of Kim & Chang regarding the legality of securities being registered.
  8.1    Opinion of Cleary Gottlieb Steen & Hamilton LLP regarding tax matters.
10.1*    Agreement between the Korea Deposit Insurance Corporation and Woori Bank in Connection with the Sale of Woori Bank Shares (translation in English).
21.1    List of Subsidiaries of Woori Bank (included as part of Note 1 of the notes to the unaudited consolidated interim financial statements of Woori Bank contained in the prospectus which is a part of this Registration Statement and incorporated by reference herein).
23.1    Consent of Kim & Chang (included as part of its opinion filed as Exhibit 5.1 and incorporated by reference herein).
23.2    Consent of Deloitte Anjin LLC.
23.3    Consent of Cleary Gottlieb Steen & Hamilton LLP (included as part of its opinion filed as Exhibit 8.1 and incorporated by reference herein).
24.1**    Power of Attorney.
101.INS    XBRL Instance Document
101.SCH    XBRL Taxonomy Extension Schema Document
101.CAL    XBRL Taxonomy Extension Calculation Linkbase Document
101.DEF    XBRL Taxonomy Extension Definition Linkbase Document
101.LAB    XBRL Taxonomy Extension Label Linkbase Document
101.PRE    XBRL Taxonomy Extension Presentation Linkbase Document

 

*

Incorporated by reference to exhibit 4.1 to the Annual Report on Form 20-F (File No. 001-31811), filed on April 27, 2017.

**

Previously filed.

Filed herewith.

To be filed by amendment.

 

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  (b)

Financial Statement Schedules

 

  None.

Item 22. Undertakings

 

  (a)

The undersigned registrant hereby undertakes:

 

  (1)

To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:

 

  (i)

To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;

 

  (ii)

To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20 percent change in the maximum aggregate offering price set forth in the “Calculation of Registration Fee” table in the effective registration statement;

 

  (iii)

To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement.

 

  (2)

That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

 

  (3)

To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.

 

  (4)

To file a post-effective amendment to the registration statement to include any financial statements required by Item 8.A of Form 20-F at the start of any delayed offering or throughout a continuous offering. Financial statements and information otherwise required by Section 10(a)(3) of the Act need not be furnished, provided, that the registrant includes in the prospectus, by means of a post-effective amendment, financial statements required pursuant to this paragraph (a)(4) and other information necessary to ensure that all other information in the prospectus is at least as current as the date of those financial statements.

 

  (5)

That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities, the undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:

 

  (i)

Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;

 

  (ii)

Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant;

 

II-2


Table of Contents
  (iii)

The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and

 

  (iv)

Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.

 

  (b)

The undersigned registrant hereby undertakes as follows: that prior to any public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration statement, by any person or party who is deemed to be an underwriter within the meaning of Rule 145(c), the issuer undertakes that such reoffering prospectus will contain the information called for by the applicable registration form with respect to reofferings by persons who may be deemed underwriters, in addition to the information called for by the other Items of the applicable form.

 

  (c)

The registrant undertakes that every prospectus (i) that is filed pursuant to paragraph (b) immediately preceding, or (ii) that purports to meet the requirements of section 10(a)(3) of the Act and is used in connection with an offering of securities subject to Rule 415, will be filed as a part of an amendment to the registration statement and will not be used until such amendment is effective, and that, for purposes of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

 

  (d)

Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by them is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

 

  (e)

The undersigned registrant hereby undertakes: (i) to respond to requests for information that is incorporated by reference into the prospectus pursuant to Items 4, 10(b), 11 or 13 of this Form, within one business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means; and (ii) to arrange or provide for a facility in the U.S. for the purpose of responding to such requests. This includes information contained in documents filed subsequent to the effective date of the registration statement through the date of responding to the request.

 

  (f)

The undersigned registrant hereby undertakes to supply by means of a post-effective amendment all information concerning a transaction, and the company being acquired involved therein, that was not the subject of and included in the registration statement when it became effective.

 

II-3


Table of Contents

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Seoul, Republic of Korea, on September 28, 2018.

 

WOORI BANK
By:  

              /S/ TAE-SEUNG SOHN

  Name:   Tae-Seung Sohn
  Title:     President and Chief Executive Officer

 

II-4


Table of Contents

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities indicated on September 28, 2018.

 

Name

  

Title

*

   President and Chief Executive Officer
Tae-Seung Sohn

/S/ WON-DUK LEE

   Managing Director and Principal Financial and Accounting Officer
Won-Duk Lee

*

   Standing Audit Committee Member and Director
Jung-Sik Oh

*

   Outside Director
Sung-Tae Ro

*

   Outside Director
Sang-Hoon Shin

 

   Outside Director
Sang-Yong Park

 

   Outside Director
Zhiping Tian

*

   Outside Director
Dong-Woo Chang

*

   Non-Standing Director
Chang-Sik Bae

 

*By:   /S/ WON-DUK LEE
 

Won-Duk Lee

Attorney-in-fact

 

II-5


Table of Contents

SIGNATURE OF AUTHORIZED REPRESENTATIVE OF WOORI BANK

Pursuant to the requirements of Section 6(a) of the Securities Act of 1933, the Authorized Representative has duly caused this registration statement to be signed on its behalf by the undersigned, solely in his capacity as the duly authorized representative of Woori Bank in the United States, in the City of New York, State of New York, on September 28, 2018.

 

By:  

/s/ KIE SOO LEE

Name:   Kie Soo Lee
Title:   General Manager
  Woori Bank New York Agency

 

II-6

EX-5.1 2 d570362dex51.htm EX-5.1 EX-5.1

Exhibit 5.1

LOGO

September 28, 2018

Woori Bank

51, Sogong-ro, Jung-gu

Seoul 04632

Korea

Ladies and Gentlemen:

We have acted as Korean counsel for Woori Bank, a corporation with limited liability established under the laws of the Republic of Korea (the “Company”), in connection with the preparation and filing with the United States Securities and Exchange Commission (the “Commission”) under the Securities Act of 1933, as amended (the “Securities Act”), of the Company’s registration statement on Form F-4 (the “Registration Statement”) relating to the issuance of shares of common stock, par value Won 5,000 per share (the “Shares”), of Woori Financial Group Inc. (“Woori Financial Group”) to be established under the Korean Commercial Code and the Financial Holding Company Act in the Republic of Korea, pursuant to a “comprehensive stock transfer” whereby holders of the common stock of the Company will receive the Shares of Woori Financial Group upon transferring such common stock of the Company to Woori Financial Group in exchange for the Shares of Woori Financial Group (the “Stock Transfer”).

For the purposes of this opinion, we have examined the following documents:

 

  (1)

certified copies of the commercial registry extracts for the Company and for each of Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Services Co., Ltd. and Woori Private Equity Asset Management Co., Ltd. (collectively, the “Subsidiaries”), each issued on September 28, 2018 (collectively, the “Commercial Registries Extracts”);

 

  (2)

the minutes of meetings of the board of directors of each of the Company and the Subsidiaries, each held on June 19, 2018 (collectively, the “BOD Meetings”); and

 

  (3)

the Articles of Incorporation of the Company and each of the Subsidiaries, each last amended on the date as indicated next to their names below:

 

  (i)

Company: March 24, 2017

 

  (ii)

Woori FIS Co., Ltd.: January 22, 2015


LOGO

Woori Bank

September 28, 2018

Page 2

 

  (iii)

Woori Finance Research Institute Co., Ltd.: January 22, 2015

 

  (iv)

Woori Credit Information Co., Ltd.: March 21, 2018

 

  (v)

Woori Fund Services Co., Ltd.: March 22, 2018

 

  (vi)

Woori Private Equity Asset Management Co., Ltd.: August 19, 2016.

In considering the documents listed above, we have assumed and, in giving this opinion, we assume:

 

  (a)

the genuineness of all signatures, stamps and seals, the authenticity of all documents submitted to us as originals and the conformity with the originals of all documents submitted to us as copies thereof;

 

  (b)

that the statements in the official records, certificates and any other documents issued by any Korean court or governmental or regulatory agency or body are true and correct;

 

  (c)

that all documents submitted to us by the Company are true, complete, accurate and up-to-date;

 

  (d)

that the resolutions at the BOD Meetings were duly passed at properly constituted meetings and that such resolutions have not been amended or rescinded and are currently in full force and effect; and

 

  (e)

that all shares of common stock issued by the Company have been validly issued.

Based upon the foregoing, and subject to (i) the Stock Transfer being duly approved at each of the properly convened extraordinary meetings of shareholders of the Company and the Subsidiaries and (ii) the registration of the incorporation of Woori Financial Group in the commercial registry being duly made after the approvals at the extraordinary meetings of the shareholders as described in (i) above, and to the further qualifications set forth below, we are of the opinion that, when the Shares are duly executed and delivered by Woori Financial Group pursuant to the Stock Transfer, as contemplated in the Registration Statement, such Shares will be validly issued, fully paid and non-assessable.

This opinion is limited to the matters addressed herein and is not to be read as an opinion with respect to any other matter. This opinion is given with respect to the laws of Korea as currently in effect and we do not pass upon and we express no opinion in respect of those matters governed by or construed in accordance with the laws of any jurisdiction other than Korea.


LOGO

Woori Bank

September 28, 2018

Page 3

 

We hereby consent to the filing of this opinion as an exhibit to the Registration Statement, and to the reference to us under the heading “Legal Matters” in the Form F-4 Registration Statement, without thereby admitting that we are “experts” under the Securities Act or the rules and regulations of the Commission thereunder for the purpose of any part of the Registration Statement, including the exhibit as which this opinion is filed.

 

Very truly yours,
/s/ Kim & Chang
EX-8.1 3 d570362dex81.htm EX-8.1 EX-8.1

Exhibit 8.1

 

LOGO

September 28, 2018

Woori Bank

51, Sogong-ro, Jung-gu

Seoul 04632, Korea

Ladies and Gentlemen:

We have acted as special United States counsel to Woori Bank (“WB”) in connection with the preparation and filing with the Securities and Exchange Commission (the “Commission”), under the Securities Act of 1933, as amended (the “Act”), of a Registration Statement on Form F-4 (the “Registration Statement”) relating to the registration of shares of Woori Financial Group Inc. (“WFG”) common stock, par value W5,000 per share. The shares will be issued by WFG in connection with a “comprehensive stock transfer” under Article 360-15 of the Korean Commercial Code, whereby holders of WB’s common stock will transfer all of their WB shares to WFG, a new financial holding company, and in return will receive shares of WFG common stock (the “Transfer”). Pursuant to the Transfer, holders of WB’s American depositary shares (“ADSs”), each of which represents three shares of WB’s common stock, will receive one WFG ADS for every WB ADS they own. In addition, as part of the Transfer, WB will transfer to WFG, in exchange for shares of WFG common stock, all of the outstanding common stock of Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Services Co., Ltd. and Woori Private Equity Asset Management Co., Ltd., all of which are wholly-owned subsidiaries of WB (together with WB, the “Stock Transfer Companies”). As a result of the Transfer, all the Stock Transfer Companies will become direct wholly-owned subsidiaries of WFG.

In arriving at the opinion expressed below, we have reviewed the following documents:

(a) the Registration Statement;

(b) the Stock Transfer Plan included as Annex I to the Registration Statement (the “Stock Transfer Plan”);

 

 

Cleary Gottlieb Steen & Hamilton LLP or an affiliated entity has an office in each of the cities listed above.


Woori Bank

September 28, 2018

Page 2

 

(c) the Articles of Incorporation of WFG (draft) included as Attachment A to the Registration Statement (the “WFG Articles of Incorporation”); and

(d) the Articles of Incorporation of WB included as Exhibit 1.1 to WB’s Annual Report on Form 20-F, filed with the Commission under the Act on April 27, 2017 (the “WB Articles of Incorporation”).

In addition, we have reviewed the originals or copies certified or otherwise identified to our satisfaction of all such records of WB and such other documents, and we have made such investigations of fact and law, as we have deemed appropriate as a basis for the opinion expressed below.

In rendering the opinion expressed below, we have assumed the authenticity of all documents submitted to us as originals and the conformity to the originals of all documents submitted to us as copies. In addition, we have assumed and have not verified the accuracy as to factual matters of each document we have reviewed. We have further assumed, without independent investigation, that:

(a) the Transfer will be consummated as described in the Background Documents, and WB has no plan or intention to waive or modify, and has not waived or modified, any of the material terms or conditions described in the Background Documents;

(b) each transferor will receive stock of WFG approximately equal to the fair market value of the stock of the Stock Transfer Company that it transferred to WFG; and

(c) there is no plan or intention on the part of WFG to redeem or otherwise reacquire any stock to be issued in the Transfer and the transferors will own at least 80 percent of the total combined voting power of all classes of stock entitled to vote and at least 80 percent of the total number of shares of all other classes of stock of WFG, taking into account any issuance of additional shares of WFG stock, the exercise of any WFG stock rights, warrants, or subscriptions, a public offering of WFG stock, and the sale exchange, transfer by gift or other disposition of any of the stock of WFG to be received in the exchange by the transferors.

Based on and subject to the foregoing and the following paragraph, it is our opinion that (i) U.S. holders (as defined in the Registration Statement) will not recognize gain or loss for U.S. tax purposes when they exchange WB common stock or ADSs for WFG common stock or ADSs pursuant to the stock transfer, (ii) a U.S. holder’s tax basis in WFG common stock or ADSs received in the stock transfer will equal the U.S. holder’s tax basis in the WB common stock or ADSs exchanged, and (iii) a U.S. holder’s holding period in WFG common stock or ADSs received will include the holder’s holding period in the WB common stock or ADSs exchanged.


Woori Bank

September 28, 2018

Page 3

 

The foregoing opinion is based on the Code and applicable regulations, rulings and judicial decisions, in each case as in effect on the date hereof, and this opinion may be affected by amendments to the Code or to the regulations thereunder or by subsequent judicial or administrative interpretations thereof, potentially on a retroactive basis. We express no opinion other than as to the federal income tax laws of the United States of America.

We hereby consent to the filing of this opinion as an exhibit to the Registration Statement. By giving such consent, we do not admit that we are “experts” within the meaning of the Act or the rules and regulations of the Commission issued thereunder with respect to any part of the Registration Statement, including this exhibit.

Very truly yours,

CLEARY GOTTLIEB STEEN & HAMILTON LLP

By:    /s/ Erika W. Nijenhuis

Erika W. Nijenhuis, a Partner

EX-23.2 4 d570362dex232.htm EX-23.2 EX-23.2

Exhibit 23.2

 

LOGO  

Deloitte Anjin LLC

9F., One IFC,

10, Gukjegeumyung-ro,

Youngdeungpo-gu, Seoul

07326, Korea

 

Tel: +82 (2) 6676 1000

Fax: +82 (2) 6674 2114

www.deloitteanjin.co.kr

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in this Registration Statement on Form F-4 of our reports dated April 30, 2018 relating to the consolidated financial statements of Woori Bank and its subsidiaries (collectively, the “Bank”) and the effectiveness of the Bank’s internal control over financial reporting, appearing in the Annual Report on Form 20-F of Woori Bank for the year ended December 31, 2017, and to the reference to us under the heading “Experts” in the Prospectus, which is part of this Registration Statement.

/s/ Deloitte Anjin LLC

Deloitte Anjin LLC

Seoul, Korea

September 28, 2018

Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (“DTTL”), its network of member firms, and their related entities. DTTL and each of its member firms are legally separate and independent entities. DTTL (also referred to as “Deloitte Global”) does not provide services to clients. Please see www.deloitte.com/kr/about to learn more about our global network of member firms.

Deloitte Touche Tohmatsu Limited is a private company limited by guarantee incorporated in England & Wales under company number 07271800, and its registered office is Hill House, 1 Little New Street, London, EC4a, 3TR, United Kingdom.

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13058988000000 399214000000 1011864000000 1411078000000 68722000000 643906000000 712628000000 69778000000 100478000000 170256000000 3179164000000 10518016000000 1655770000000 3633765000000 15921992000000 1699542000000 21255299000000 25964000000 25964000000 2613000000 3126585000000 20951000000 3150149000000 28577000000 3126585000000 20951000000 160057000000 160057000000 91739000000 91739000000 91739000000 160057000000 67754000000 67754000000 28577000000 3286078000000 181008000000 3495663000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. The fair value of security linked to stock prices or derivatives is measured by the models such as DCF model, FDM, or Monte Carlo Simulation given the natures of the securities or underlying assets. The fair value is measured by discounting the projected cash flows of a debenture by applying the market discount rate that is reflecting credit rating of the Group. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. Risk-free market rate, credit spread Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. Risk-free market rate, credit spread Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, credit spread Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. Values of underlying assets, Risk-free market rate, Market rate, Dividend and convenience yield, Correlation, Volatility, Credit spread, and Foreign Exchange rate Risk-free market rate, Forward rate Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. 23153000000 4348000000 12652000000 17000000000 1024935000000 530511000000 1555446000000 1595698000000 33524000000 673709000000 707233000000 1234000000 265000000 670000000 2169000000 5000000 8000000 13000000 -526000000 -309000000 -624000000 -1459000000 -513000000 -7000000 -520000000 28583000000 1861000000 30444000000 -15246000000 -1857000000 -17103000000 1206292000000 15509387000000 16715679000000 265570649000000 265570649000000 234682775000000 234682775000000 14754506000000 14754506000000 27889781000000 27889781000000 13890789000000 13890789000000 234695084000000 The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities. The fair value is measured by discounting the projected cash flows of loan products by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the debtor. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. Risk-free market rate, Credit spread Risk-free market rate, Credit spread, Prepayment-rate Risk-free market rate, Forward rate Risk-free market rate, Forward rate Risk-free market rate, Forward rate Risk-free market rate, Forward rate 6629000000 10809000000 9136000000 501523000000 9998000000 1570608000000 5436000000 7605292000000 6186000000 Bank of China and others Samsung Securities Co., Ltd. and others Korea Investment & Securities Co., Ltd. and others Yuanta Securities Co., Ltd. and others Korea Securities Depository and others The BOK and others Korea Securities Depository The BOK and others Credit Counselling & Recovery Service and others Collaterals for issuing letter of guarantee and others Margin deposit for futures or option Foreign margin deposit for future or option and others Substitute securities and others Related to bonds sold under repurchase agreements Settlement risk and others Related to bonds sold under repurchase agreements Settlement risk and others Leasehold rights and others 3994857000000 7245426000000 5311970000000 197043000000 The financial instruments that were disposed but the Group agreed to repurchase at the fixed amounts at the same time, so that they did not meet the conditions of derecognition 9998000000 5436000000 15434000000 170256000000 170256000000 Korea Securities Finance Corporation and others Woori Bank 0001264136 F-4/A 2018-06-30 false 2018 Q2 --12-31 Yes No Yes Large Accelerated Filer 676000000 410470000000 87909000000 75232000000 27875000000 1878000000 104985000000 66115000000 676000000 238117000000 47132000000 18281000000 127511000000 192924000000 183247000000 -2656000000 -242806000000 -152358000000 777000000 4145000000 4425 1915 2018-03-31 2018-05-31 2018-05-31 2018-05-31 2018-06-30 2018-05-31 2018-05-31 2018-06-30 2018-06-30 2018-05-31 2018-06-30 2018-06-30 2018-03-31 2018-06-30 2018-06-30 2018-06-30 6310 1935 6881000000 175652000000 108000000 3313000000 3266000000 89725000000 13916000000 92038000000 7492000000 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40188000000 4725584000000 562210000000 218710000000 5857863000000 182141000000 6040004000000 -78522000000 -36407000000 114929000000 928336000000 293933000000 -46555000000 11120000000 197535000000 264515000000 1648884000000 -106862000000 1542022000000 875328000000 403216000000 5689000000 7852000000 83575000000 327244000000 1702904000000 -135566000000 53008000000 -109283000000 -52244000000 3268000000 113960000000 -62729000000 -54020000000 28704000000 -25316000000 357260000000 958285000000 140320000000 44409000000 93147000000 226138000000 1819559000000 -11844000000 -9889000000 671000000 17411000000 -2988000000 17615000000 22820000000 -29003000000 347371000000 958956000000 157731000000 44409000000 90159000000 243753000000 1842379000000 -40847000000 95528000000 260186000000 43377000000 12212000000 22541000000 52320000000 486164000000 -948000000 • Consumer banking: Loans/deposits and financial services for retail and individual consumers, etc. • Corporate banking: Loans/deposits and export/import, financial services for corporations, etc. • Investment banking: Domestic/foreign investment, structured finance, M&A, equity & fund investment related business, venture advisory related tasks, real estate SOC development practices, etc. • Capital market: Fund management, investment in securities and derivatives, etc • Credit card: Credit card, cash service and card loan, etc. • Headquarter and others: Segments that do not belong to above operating segments The Group’s reporting segments comprise the following customers: consumer banking, corporate banking, investment banking, capital market, credit card market and headquarters and others. The reportable segments are classified based on the target customers for whom the service is being provided. The products of the Group are classified as interest-bearing products such as loans, deposits and debt securities and non-interest bearing products such as loan commitment, credit commitment, equity securities, and credit card service. 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0 0 0 0 0 0 0 The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities. Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. The fair value of security linked to stock prices or derivatives is measured by the models such as DCF model, FDM, or Monte Carlo Simulation given the natures of the securities or underlying assets. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. Risk-free market rate, credit spread Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. Risk-free market rate, credit spread Risk-free market rate, market risk premium, Beta, etc. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. Values of underlying assets, Risk-free market rate, Market rate, Dividend and convenience yield, Correlation, Volatility, Credit spread, and Foreign Exchange rate Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. 37092000000 These unquoted equity instruments mostly represent minority investments in special purpose entity vehicles such as asset securitization structures They are measured at cost because observable inputs of financial information to measure fair value was not available to obtain or there is a significant variance in likely estimated cash flows or the probabilities for the various estimated cash flows could not be measured reliably In addition there were no indicators of impairments in these investments and the Group has no intention to dispose these investments in the foreseeable future External appraisal value and others External appraisal value and others Option valuation model and others External appraisal value and others Option valuation model and others Monte Carlo Simulation and others Expected growth rate Discount rate Volatility of real estate sale price Expected growth rate Discount rate Volatility of real estate sale price Correlation coefficient Volatility of underlying asset Expected growth rate Discount rate Volatility of real estate sale price Correlation coefficient Volatility of underlying asset Correlation coefficient Volatility of underlying asset 0.1061 0.2759 0.1061 0.2759 0.1860 0.2688 0.9 0.97 0.9 0.97 0.0861 0.688 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0099 0.1873 0.0099 0.1873 0.0099 0.1873 Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases. Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases. Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases. Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases. Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases. Equity-linked securities’ variation of fair value increases if both volatility and correlation coefficient increase. However, when correlation coefficient decreases despite the increase in volatility, the variation of fair value of a compound financial instrument may decrease. -111000000 22834000000 21934000000 12973000000 3616000000 65856000000 127102000000 -393000000 126709000000 73951000000 -1438000000 72513000000 14557000000 14557000000 50005000000 49367000000 1924763000000 125807000000 1936000000 2151878000000 290000000 2152168000000 -3058000000 179044000000 175986000000 -2141000000 -230000000 -15952000000 -1843007000000 -42457000000 -50967000000 -1954754000000 -1954754000000 -50921000000 -161566000000 -212487000000 7442000000 352780000000 349470000000 748795000000 251967000000 36171000000 1746625000000 465741000000 2212366000000 40923000000 176097000000 217020000000 61323000000 914000000 10740000000 422000000 4305000000 2409000000 1083000000 3492000000 -784000000 -7562000000 -323000000 -2452000000 -4285000000 -1158000000 -5443000000 19464000000 -8704000000 The sensitivity analysis of the financial instruments has been performed by classifying with favorable and unfavorable changes based on how changes in unobservable assumptions would have effects on the fluctuations of financial instruments’ value. When the fair value of a financial instrument is affected by more than one unobservable assumption, the below table reflects the most favorable or the most unfavorable changes which resulted from varying the assumptions individually. The sensitivity analysis was performed for two types of level 3 financial instruments: (1) debt securities, equity securities, interest rate related derivatives, currency related derivatives, equity related derivatives, equity-linked securities and beneficiary certificates of which fair value changes are recognized as net income; (2) equity securities of which fair value changes are recognized as other comprehensive income. Equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis. The equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis. Binomial tree Stock, Volatility of underlying Variation of fair value increases as volatility increases. 9694000000 280171000000 294121000000 654066000000 165001000000 19346000000 1422399000000 451287000000 1873686000000 20951000000 160057000000 181008000000 Option valuation model and others External appraisal value and others External appraisal value and others External appraisal value and others Option valuation model and others Monte Carlo Simulation and others Correlation coefficient Volatility of underlying asset Expected growth rate Discount rate Volatility of real estate sale price Expected growth rate Discount rate Volatility of real estate sale price Expected growth rate Discount rate Volatility of real estate sale price Correlation coefficient Volatility of underlying asset Correlation coefficient Volatility of underlying asset 0.1061 0.2759 0.1061 0.2759 0.1860 0.2688 0.9 0.97 0.9 0.97 0.0861 0.688 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0099 0.1873 0.0099 0.1873 0.0099 0.1873 Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases. Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases. Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases. Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases. Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases. Equity-linked securities’ variation of fair value increases if both volatility and correlation coefficient increase. However, when correlation coefficient decreases despite the increase in volatility, the variation of fair value of a compound financial instrument may decrease. 21217000000 191000000 -207000000 -16000000 19241000000 3442000000 22683000000 185000000 44069000000 14142000000 83962000000 98104000000 10175000000 -2188000000 7987000000 7987000000 472000000 2000000000 2000000000 27289000000 127147000000 154436000000 156908000000 501000000 501000000 -17420000000 -31692000000 -70600000000 -102292000000 -284000000 -119996000000 -15015000000 -235296000000 -250311000000 27422000000 6539000000 12445000000 18984000000 1049948000000 588312000000 1638260000000 1684666000000 33152000000 522375000000 555527000000 61518000000 99000000 Option valuation model and others Correlation coefficient Volatility of underlying asset 0.1061 0.2759 0.9 0.97 Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases. The sensitivity analysis of the financial instruments has been performed by classifying with favorable and unfavorable changes based on how changes in unobservable assumptions would have effects on the fluctuations of financial instruments’ value. When the fair value of a financial instrument is affected by more than one unobservable assumption, the below table reflects the most favorable or the most unfavorable changes which resulted from varying the assumptions individually. The sensitivity analysis was performed for two types of level 3 financial instruments: (1) debt securities, equity securities, interest rate related derivatives, currency related derivatives, equity related derivatives, equity-linked securities and beneficiary certificates of which fair value changes are recognized as net income; (2) equity securities of which fair value changes are recognized as other comprehensive income. Equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis. The equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis. 1436000000 -1544000000 17817000000 -12665000000 19464000000 -8704000000 1792215000000 15911262000000 17703477000000 277718440000000 277718440000000 237811780000000 237811780000000 15924417000000 15924417000000 26586897000000 26586897000000 21405921000000 21405921000000 The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities. The fair value is measured by discounting the projected cash flows of loan products by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the debtor. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. 3587605000000 336967000000 14644608000000 17770356000000 17702129000000 248794014000000 11155633000000 295422132000000 12395000000 17795277000000 3587605000000 14644608000000 17702129000000 249130981000000 2403606000000 11155633000000 316419839000000 2701330000000 15352950000000 8868378000000 251523301000000 6714525000000 59272000000 8894350000000 2701330000000 15352950000000 16749296000000 251523301000000 3175047000000 6714525000000 305110799000000 24485000000 176097000000 2377750000000 237900166000000 15899599000000 26752725000000 21463163000000 302015653000000 67505000000 237924651000000 16075696000000 26752725000000 2445255000000 21463163000000 304661490000000 25964000000 160057000000 91739000000 3150149000000 234695084000000 14784706000000 27869651000000 13964158000000 291313599000000 67754000000 234721048000000 14944763000000 27961390000000 3217903000000 13964158000000 294809262000000 The financial instruments that were disposed but the Group agreed to repurchase at the fixed amounts at the same time, so that they did not meet the conditions of derecognition 10002000000 5444000000 15446000000 50139000000 50139000000 Korea Securities Finance Corporation 2132698000000 7463097000000 6999881000000 27527610000000 44123286000000 27338204000000 27338204000000 2132698000000 7463097000000 6999881000000 189406000000 16785082000000 8716272000000 6999881000000 15716153000000 21543000000 21543000000 857980000000 189406000000 1047386000000 The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year). 2305516000000 7464679000000 5372000000 31538065000000 41313632000000 27338204000000 27338204000000 2305516000000 7464679000000 5372000000 4199861000000 13975428000000 8704614000000 5372000000 3408953000000 12118939000000 208955000000 208955000000 856626000000 790908000000 1647534000000 Manufacturing Freight & staffing services Credit information Security service Construction Construction Manufacturing Wholesale of non-specialized goods General construction Technology service Construction Aggregate transportation and wholesale Wholesale and retail sales Manufacturing Construction Service Wholesale and real estate Construction Composite transportation Arrangement Wholesale and retail sales Electronic component manufacturing Other service business Manufacturing Manufacturing Plating Wholesale and retail sales Manufacturing Manufacturing Processed sea food manufacturing Other financial business Other financial business Finance Other financial business Other financial business Finance Other financial business Other Finance business Other financial business 0.142 0.049 0.099 0.15 0.253 0.197 0.092 0.232 0.265 0.289 0.484 0.232 0.289 0.29 0.296 0.494 0.24 0.234 0.354 0.281 0.259 0.205 0.313 0.261 0.231 0.24 0.231 0.2 0.13 0.2 0.25 0.5 0.233 0.2 0.219 Manufacturing Freight & staffing services Credit information Security service Construction Construction Manufacturing Wholesale of non-specialized goods General construction Technology service Construction Aggregate transportation and wholesale Wholesale and retail sales Manufacturing Construction Service Wholesale and real estate Construction Composite transportation Arrangement Wholesale and retail sales Electronic component manufacturing Other service business Manufacturing Manufacturing Plating Wholesale and retail sales Manufacturing Manufacturing Processed sea food manufacturing Other financial business Other financial business Finance Other financial business Other financial business Finance Other financial business Other Finance business Other financial business 0.142 0.049 0.099 0.15 0.253 0.294 0.292 0.197 0.092 0.232 0.265 0.289 0.484 0.232 0.289 0.29 0.296 0.494 0.24 0.234 0.354 0.281 0.259 0.205 0.313 0.261 0.231 0.231 0.2 0.13 0.2 0.25 0.5 0.25 6780000000 10000000000 3268000000 20048000000 5865000000 3346000000 508000000 9719000000 -113000000 -54000000 -484000000 -651000000 -5196000000 1000000 -484000000 -266000000 34000000 7000000 -6423000000 -12327000000 41053000000 8546000000 5745000000 3240000000 16354000000 498000000 -8000000 -149000000 -54000000 3000000000 1500000000 63084000000 16852000000 -57109000000 -57320000000 -1623000000 171000000 4047000000 -73000000 -215000000 26000000 -156000000 -139000000 2038000000 -25966000000 -5323000000 27772000000 3309000000 -208000000 Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates. Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates. 417692000000 -36515000000 7311000000 -1738000000 -2010000000 6333000000 -79000000 59000000 1221000000 -225000000 -1991000000 -534000000 -120000000 5797000000 359937000000 -2708000000 2396000000 2411000000 1482169000000 1482169000000 863503000000 -197688000000 665815000000 1105029000000 -868768000000 236261000000 441835000000 -379750000000 62085000000 4421000000 4421000000 20000000 -17000000 3000000 3896977000000 -1446223000000 463000000 4326000000 27635000000 6928000000 3342000000 42694000000 -72000000 -89000000 -161000000 12960000000 36144000000 17696000000 66800000000 -3573000000 -2477000000 -6050000000 -1910000000 -4423000000 63433000000 -63433000000 -6333000000 -89000000 -121000000 352000000 489000000 -47000000 584000000 624000000 16000000 7005000000 7645000000 3831000000 31624000000 8120000000 25053000000 68628000000 -606000000 -205000000 -235000000 -423000000 -1469000000 13029000000 38063000000 18253000000 1000000 69346000000 -1743000000 -441000000 -2184000000 2466000000 403000000 5485000000 -5646000000 2708000000 -596000000 -560000000 -676000000 -675000000 -247000000 -2754000000 -6000000 188000000 5386000000 5568000000 1488266000000 681692000000 188225000000 63113000000 37877000000 3000000 2459176000000 154644000000 154644000000 208383000000 -170700000000 37683000000 1180000000 -611000000 569000000 463361000000 -199179000000 264182000000 717332000000 -550996000000 -137000000 166199000000 26087000000 -4828000000 21259000000 8978000000 8978000000 1579965000000 -921486000000 -4965000000 108707000000 108707000000 203418000000 -162746000000 40672000000 1063000000 -524000000 539000000 260087000000 -182846000000 77241000000 634150000000 -516467000000 -137000000 117546000000 27337000000 -6652000000 20685000000 153209000000 153209000000 1387971000000 -862583000000 -6789000000 518599000000 3737000000 117000000 21455000000 36191000000 2311000000 84318000000 148129000000 -2107000000 -2107000000 7510000000 87000000 16317000000 34162000000 58076000000 181803000000 46746000000 -228549000000 -1469000000 21000000 243000000 74000000 -1131000000 -365000000 -43000000 -408000000 47406000000 763000000 48169000000 105000000 10152000000 54000000 12628000000 10276000000 480000000 89679000000 -866000000 -866000000 8064000000 56000000 11515000000 30389000000 50024000000 128000000 128000000 8091000000 36000000 -7479000000 -68000000 -1053000000 -81000000 -9064000000 -22000000 -55000000 -6371000000 -6000000 -6454000000 117429000000 45566000000 311000000 71755000000 136863000000 19485000000 506882000000 67999000000 55984000000 -8127000000 -383000000 115473000000 5865000000 12840000000 1500000000 19698000000 135515000000 72915000000 10002000000 1621221000000 5444000000 4908149000000 6065000000 6780509000000 DaishinAMC and others Samsung Securities Co., Ltd. and others Korea Investment & Securities Co., Ltd. and others Kyobo Life Insurance,.ltd and others Korea Securities Depository The BOK and others Korea Securities Depository The BOK and others The BOK and others Credit Counselling & Recovery Service and others Right of pledge Margin deposit for futures or option Foreign margin deposit for future or option and others CSA collateral and others Related to bonds sold under repurchase agreements Settlement risk and others Related to bonds sold under repurchase agreements Settlement risk and others Right to collateral and others 327000000 327000000 7303137000000 0 165150000000 24879000000 327000000 12444000000 24485000000 2377750000000 2402235000000 176097000000 -179000000 The adjustment to reflect Group’s credit risk is considered in measuring the fair value of derivatives. The Group’s credit risk is determined by adjusting credit spread observed in credit rating of bank. 176097000000 -39000000 -261000000 The adjustment to reflect Group’s credit risk is considered in measuring the fair value of derivatives. The Group’s credit risk is determined by adjusting credit spread observed in credit rating of bank. 616177000000 89000000 -212259000000 -36162000000 9337563000000 198768356000000 32292000000 1705871000000 154782000000 4592575000000 1401853000000 215993292000000 21950041000000 -43167000000 9349070000000 194292679000000 34055000000 1323679000000 164431000000 4436443000000 1451841000000 211052198000000 23682896000000 -40010000000 1420990000000 1782603000000 0.005 0.008 0 0.025 The BOK Small Enterprise And Market Service and others 4665845000000 0 0.04 The Korea Development Bank and others 7869438000000 7148402000000 0 0.065 The Export-Import BOK and others 33651000000 0.028 JPMORGAN CHASE BANK 7182053000000 23874000000 0 0.012 Others 818889000000 0 0.063 Bank and others 5372000000 0.007 0.127 Other financial institutions -27000000 21105565000000 5006632000000 676144000000 26788341000000 -35616000000 0.015 0.045 0.03 0.126 0.019 0.17 3150145000000 724487000000 67458000000 106827000000 101874000000 46735000000 63480000000 Provision for guarantee includes provision for financial guarantee of 54,896 million Won and 71,697 million Won as of June 30, 2018 and December 31, 2017, respectively. 54896000000 Other provisions consist of provision for litigation and others. 76000000 -76000000 -954000000 58894000000 -57940000000 -21000000 -20000000 41000000 -8506000000 -8506000000 -4873000000 -46344000000 -35773000000 -86990000000 9393000000 6000000 9399000000 42247000000 30741000000 33839000000 106827000000 1003000000 -12335000000 -45971000000 20000000 7920000000 188754000000 6262000000 -6145000000 -117000000 -2543000000 2614000000 -71000000 -159000000 -325000000 484000000 -6183000000 3356000000 -328000000 -3155000000 44000000 44000000 72653000000 27375000000 1846000000 101874000000 491000000 -42000000 -5736000000 -1000000 82621000000 1083000000 -295000000 -993000000 259000000 5532000000 67458000000 654000000 -416000000 -727000000 203000000 4163000000 61953000000 61872000000 58076000000 The amount of the asset retirement obligation is the present value of the best estimate of future expected recovery cost arising from leased premises as of June 30, 2018, discounted by appropriate discount rate. The expenditure of the recovery cost is expected to occur by the end of each premise’s lease period, and the Group has used average lease period of each category of leases terminated during the past years in order to rationally estimate the lease period. In addition, the Group used average amount of actual recovery cost for the past 3 years and the average inflation rate for last year in order to estimate future recovery cost. 36044000000 2236000000 38280000000 -48891000000 -2199000000 -51090000000 -40000000 -40000000 -7000000 -7000000 5467000000 5467000000 13670000000 4699000000 18369000000 46735000000 63480000000 110215000000 As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the three months ended March 31, 2018. 32208000000 2390000000 34598000000 -39402000000 -9013000000 -48415000000 -40000000 -40000000 -146000000 -146000000 11482000000 11482000000 53000000 53000000 5667000000 5795000000 32048000000 15654000000 47702000000 40445000000 58791000000 99236000000 22093000000 22282000000 44375000000 As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2017. Employees and directors with one or more years of service are entitled to receive a payment upon termination of their employment, based on their length of service and rate of pay at the time of termination. The assets of the plans are measured at their fair value at the end of reporting date. The Group is exposed to various risks through defined benefit retirement pension plan, and the most significant risks are as follows: -Volatility of asset:The defined benefit obligation was estimated with an interest rate calculated based on blue chip corporate bonds earnings. A deficit may occur if the rate of return of plan assets falls short of the interest rate. -Decrease in profitability of blue chip bonds:A decrease in profitability of blue chip bonds will be offset by some increase in the value of debt securities that the employee benefit plan owns but will bring an increase in the defined benefit obligation. -Risk of inflation:Defined benefit obligations are related to inflation rate; the higher the inflation rate is, the higher the level of liabilities. Therefore, deficit occurs in the system if an inflation rate increases. The plan liabilities are measured using the projected unit method, which takes account of projected earnings increases, using actuarial assumptions that give the best estimate of the future cash flows that will arise under the plan liabilities. Employees and directors with one or more years of service are entitled to receive a payment upon termination of their employment, based on their length of service and rate of pay at the time of termination. The assets of the plans are measured at their fair value at the end of reporting date. The plan liabilities are measured using the projected unit method, which takes account of projected earnings increases, using actuarial assumptions that give the best estimate of the future cash flows that will arise under the plan liabilities. The Group is exposed to various risks through defined benefit retirement pension plan, and the most significant risks are as follows: -Volatility of asset:The defined benefit obligation was estimated with an interest rate calculated based on blue chip corporate bonds earnings. A deficit may occur if the rate of return of plan assets falls short of the interest rate. -Decrease in profitability of blue chip bonds:A decrease in profitability of blue chip bonds will be offset by some increase in the value of debt securities that the employee benefit plan owns but will bring an increase in the defined benefit obligation. -Risk of inflation:Defined benefit obligations are related to inflation rate; the higher the inflation rate is, the higher the level of liabilities. Therefore, deficit occurs in the system if an inflation rate increases. 1175786000000 1075927000000 -72460000000 15797000000 16626000000 72374000000 -9088000000 8000000 96273000000 -55790000000 -57109000000 1086000000 1175786000000 1075927000000 -73564000000 13144000000 15127000000 4639000000 -7847000000 -121000000 18000000000 -29431000000 -31022000000 -10076000000 127000000 1034636000000 1019219000000 -10396000000 43113000000 7538000000 7280000000 -71631000000 -71902000000 153093000000 84388000000 125818000000 99859000000 0.0325 0.0618 Issued by Korea Insurance Development Institute Experience rate for each employment classification Issued by Korea Insurance Development Institute Experience rate for each employment classification 12.94 72460000000 -829000000 -81462000000 73564000000 -1983000000 -321000000 -12486000000 1304000000 2155000000 -124157000000 145794000000 146273000000 -125567000000 9021786000000 1809499000000 3999899000000 258497000000 604344000000 4229125000000 1487513000000 178799000000 124114000000 21711180000000 -2396000000 299701576000000 As of the current period end, the Group has applied fair value hedge on fixed interest rate foreign currency denominated debentures amounting to 3,150,145 million Won. The purpose of the hedging is to avoid fair value volatility risk of fixed interest rate foreign currency denominated debentures derived from fluctuations of market interest rate, and as such the Group entered into interest rate swap agreements designated as hedging instruments. The Group entered into interest rate swap agreements to manage its exposure to interest rate risk and designated as hedging instruments. Pursuant to the interest rate swap agreement, hedge ratio is determined by matching the nominal value to the face value of the hedging instrument. The fair value of the interest rate swap at the end of the reporting period is determined by discounting future cash flows estimated using the yield curve at the end of the reporting period and the credit risk embedded in the contract and the average interest rate is determined based on the outstanding balance at the end of the reporting period. The variable interest rate applied to the interest rate swap is USD Libor 3M (6M) plus spread. In accordance with the terms of each interest rate swap contract designated as a hedging instrument, the Group receives interest at a fixed interest rate and pays interest at a variable interest rate. The interest rate swap agreements and the hedged items are subject to fluctuations in the underlying market rate of interest and the Group expects the value of the interest rate swap contract and the value of the hedged item to generally change in the opposite direction. In this hedging relationship, only the market interest rate fluctuation, which is the most significant part of the fair value change of the hedged item, is designated as the hedged risk, and other risk factors including credit risk are not included in the hedged risk. Therefore, the ineffective portion of the hedge could arise from fluctuations in the timing of the cash flow of the hedged item, the change in the total amount and price of the hedged item, or significant credit risk fluctuation of either party of the hedged item. As of the current period end, the Group has applied Cash Flow hedge on foreign currency denominated bonds amounting to 724,487 million Won. The Group has designated foreign currency swap contracts as hedging instruments in order to achieve such objectives. 25236000000 20820000000 -3000000000 10309000000 500000000 -3613000000 In case some variables to measure fair values of financial instruments are not observable or available in the market, valuation techniques are utilized to evaluate such financial instruments. Those financial instruments are recorded at the fair value produced by the valuation techniques as at the time of acquisition, even though there are difference noted between the transaction price and the fair value. The table above presents the difference yet to be realized as profit or losses. In case some variables to measure fair values of financial instruments are not observable or available in the market, valuation techniques are utilized to evaluate such financial instruments. Those financial instruments are recorded at the fair value produced by the valuation techniques as at the time of acquisition, even though there are difference noted between the transaction price and the fair value. The table above presents the difference yet to be realized as profit or losses. 5000000000 5000 676000000 There is no change to be disclosed in numbers of issued and outstanding shares of common stock for the six months ended June, 2018 and 2017. 269533000000 16352000000 2013-04-25 2013-11-13 2014-12-12 2015-06-03 2015-06-10 2016-09-27 2017-05-16 2043-04-25 2043-11-13 2044-12-12 2045-06-03 2045-06-10 0.044 0.057 0.052 0.044 0.05 0.045 0.053 500000000000 200000000000 160000000000 240000000000 559650000000 553450000000 562700000000 -12544000000 The hybrid securities mentioned above are either without a maturity date or its maturity can be extended indefinitely at the maturity date without change of terms. Further, if a resolution is passed not to pay dividends on common stock, interest payments on the hybrid securities may be not occur The hybrid securities mentioned above are either without a maturity date or its maturity can be extended indefinitely at the maturity date without change of terms. Further, if a resolution is passed not to pay dividends on common stock, interest payments on the hybrid securities may be not occur -46746000000 29000000 -1446000000 -206037000000 -211838000000 -5436000000 -564000000 -472038000000 34113000000 -1607647000000 1669000000 50717000000 -82041000000 -8570000000 -564000000 20229000000 -4145000000 -4839000000 -459000000 -13948000000 22561000000 2357000000 -5528000000 -1446000000 -206037000000 -211838000000 -5436000000 -564000000 46479000000 2038000000 -81571000000 -12642000000 -1947000000 -47643000000 -81114000000 -81114000000 5602000000 -531000000 17627000000 3020000000 421000000 26139000000 357948000000 -356000000 -112297000000 -173019000000 -1526000000 70750000000 336636000000 500 168789000000 87587000000 28323000000 2170291000000 6931000000 2205545000000 61461000000 4251497000000 13686000000 4326644000000 20182000000 1921359000000 8836000000 41403000000 3810008000000 17627000000 704007000000 70519000000 174890000000 21930000000 1358964000000 129929000000 346948000000 43101000000 586051000000 57666000000 154445000000 20070000000 1174384000000 115548000000 305804000000 43528000000 169171000000 14660000000 10528000000 283407000000 23767000000 53867000000 346925000000 30263000000 16945000000 556984000000 50238000000 111651000000 163688000000 15911000000 4614000000 268887000000 19757000000 33424000000 336322000000 31700000000 6334000000 527566000000 40267000000 71704000000 Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. 41532000000 213887000000 934000000 1700000000 80866000000 425204000000 1268000000 3013000000 41930000000 200275000000 121000000 1207000000 73167000000 400349000000 348000000 2329000000 31860000000 17844000000 59255000000 190000000 47000000 19570000000 12210000000 1941000000 17570000000 274000000 17844000000 114146000000 2877000000 70116000000 -2423000000 36266000000 -24200000000 -60186000000 -86223000000 81861000000 22377000000 -23795000000 -9180000000 71263000000 3191000000 -127000000 3064000000 1969000000 405000000 -2193000000 -83000000 98000000 74425000000 600362000000 -594525000000 5837000000 3535106000000 -3505890000000 29216000000 249364000000 -244063000000 5301000000 2790000000 -3423000000 -633000000 39721000000 36982000000 18885000000 -11957000000 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16809000000 3316000000 62271000000 5323000000 10687000000 3006000000 7681000000 -10061000000 -521000000 5323000000 -14863000000 1687000000 15760000000 1000000 5897000000 23345000000 3203000000 17037000000 341000000 18460000000 39041000000 1880000000 4466000000 1494000000 22571000000 30411000000 3700000000 32886000000 1675000000 32000000 38892000000 77185000000 1004000000 150000000 167000000 2000000 8551000000 12073000000 21947000000 2010000000 292000000 2931000000 221000000 2000000 22042000000 16264000000 43762000000 992000000 105000000 46000000 271000000 40000000 10426000000 6834000000 18714000000 1991000000 223000000 27730000000 608000000 160000000 14980000000 21495000000 67187000000 231393000000 -3632000000 227761000000 182515000000 -378000000 75318000000 257455000000 284030000000 -4919000000 279111000000 13889000000 27933000000 41822000000 490240000000 19695000000 9395000000 -5024000000 485216000000 0.269 8908000000 345585000000 32683000000 9624000000 3326000000 -24652000000 320933000000 0.224 The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won. The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won. 18568000000 378000000 6852000000 78685000000 1735000000 106218000000 -114169000000 -954000000 15855000000 56317000000 -248000000 -43199000000 -37748000000 678394000000 673000000 1008 1008 -75603000000 1230275000000 673000000 1828 1828 -41557000000 419331000000 673000000 623 623 -90823000000 1007538000000 673000000 1497 1497 257856000000 22000000 4000000 42000000 182000000 73519000000 103000000 85000000000 260000000 -62957000000 -2000000 -24000000 -49734000000 -85000000 -235000000 1000000 482000000 1732000000 1063000000 3078000000 61551000000 2130000000 3213000000 6369000000 489000000 339000000 6000000 4000000 2899000000 131000000 69000000 153000000 1098000000 333000000 1288000000 7000000 21000000 4000000 21000000 86000000 2000000 4000000 22000000 514000000 270000000 1038000000 71000000 -93755000000 2000000 2000000 -88734000000 18524000000 46000000 -236000000 15000000 6000000 231000000 11525000000 170917000000 45000000 6000000 56000000 408000000 106176000000 47711000000 212000000 73810000000 499000000 -156712000000 -22000000 -88734000000 -31210000000 -39000000 -471000000 1000000 666000000 1311000000 5586000000 2854000000 46220000000 4000000 18092000000 77555000000 61000000 2906000000 50000000 357000000 54000000 7000000 1658000000 29000000 80000000 27000000 73000000 511000000 178000000 31000000 218000000 32117000000 132000000 101000000 225000000000 13830000000 14914000000 636000000 155000000 29000000 204000000 31891000000 53000000 236190000000 4181000000 68858000000 17557000000 1501000000 53000000 672000000 364000000 219000000 15331000000 13000000 38000000 5000000 13000000 72000000 214000000 4000000 5000000 6000000 29000000 1000000 28000000 6000000 58000000 396000000 335000000 1023000000 1042000000 -4270000000 -1835000000 -116000000 -59507000000 -10000000 15000000 1051000000 249000000 Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017. 6023000000 280000000 6303000000 6524000000 280000000 6804000000 Key management includes registered executives and non-registered executives. Key management includes registered executives and non-registered executives. 485216000000 4643416000000 1878942000000 49704000000 -2328962000000 477000000 16809000000 2931000000 62366000000 38553000000 71631000000 126886000000 221000000 28438000000 167268000000 1764000000 431000000 28943000000 66555000000 1220000000 17037000000 341000000 -440367000000 10667142000000 -85119000000 -3149083000000 -26838000000 97206000000 7366307000000 -11536000000 261226000000 4609449000000 -1776933000000 49917000000 -312471000000 1811074000000 5316190000000 4280921000000 4873896000000 3855000000 2076000000 119000000 3779000000 50190000000 14531026000000 5342987000000 5075580000000 5829462000000 20048000000 7311000000 42695000000 107344000000 16496986000000 -1965960000000 4972075000000 10100189000000 15072264000000 4114751000000 11441709000000 336636000000 75683000000 255000000000 2108000000 16225887000000 -1153623000000 -1308509000000 320791000000 320933000000 4189584000000 1639264000000 59445000000 -2288832000000 283763000000 67594000000 27730000000 31131000000 15846000000 35665000000 71902000000 121361000000 608000000 7859000000 104172000000 11656000000 11860000000 1285000000 32886000000 1675000000 32000000 187086000000 7908486000000 995000000 -5182735000000 -98114000000 19799000000 2790480000000 29837000000 -271102000000 4281385000000 -1749917000000 62014000000 -236246000000 1387336000000 13312489000000 4665209000000 62974000000 162000000 1042000000 933000000 6488000000 18049297000000 11268756000000 5945147000000 13485000000 1221000000 68596000000 97977000000 17395182000000 654115000000 4349952000000 10299507000000 15209024000000 7432992000000 8223263000000 269308000000 100627000000 1323400000000 1534000000 17351124000000 -2142100000000 -100649000000 -113551000000 2000000 160000000 15347000000 3316000000 7377124000000 -54280000000 -45402000000 -29680000000 75082000000 146630000000 82261000000 121238000000 4968840000000 520469000000 862571000000 6702009000000 240504000000 6942513000000 -424214000000 -333646000000 -212107000000 -4991598000000 -566107000000 -1129696000000 -7657368000000 126727000000 -7530641000000 The products of the Group are classified as interest-bearing products such as loans, deposits and debt securities and non-interest bearing products such as loan commitment, credit commitment, equity securities, and credit card service. This classification of products has been reflected in the segment information presenting interest income and non-interest income. 0 -15047000000 10000000 15175000000 0 30212000000 0 0 0 0 14500746000000 64150000000 14564896000000 1048609000000 824229000000 1872894000000 16437790000000 Reserve deposits under BOK Act Central counterparty KRW margin and others Reserve deposits under the BOK Act and others Reserve deposits and others The BOK The Korea Exchange and others The BOK and others The People’s Bank of China and others 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 24485000000 0 0 3269000000 2333558000000 40923000000 24485000000 2377750000000 27754000000 2333558000000 40923000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 The fair value of Loans is measured by the Binomial tree given the values of underlying assets and volatility. Values of underlying assets, Volatility The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability. The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability. The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability. The fair value hierarchy is determined by the levels of judgment involved in estimating fair values of financial assets and liabilities. The specific financial instruments characteristics and market condition such as volume of transactions and transparency are reflected to the market observable inputs. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities. The Group maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value of its financial assets and financial liabilities. Fair value is measured based on the perspective of a market participant. As such, even when market assumptions are not readily available, the Group’s own assumptions reflect those that market participants would use for measuring the assets or liabilities at the measurement date. The fair value measurement is described in the one of the following three levels used to classify fair value measurements: •Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies. •Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment. •Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity. Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. The fair value hierarchy is determined by the levels of judgment involved in estimating fair values of financial assets and liabilities. The specific financial instruments characteristics and market condition such as volume of transactions and transparency are reflected to the market observable inputs. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities. The Group maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value of its financial assets and financial liabilities. Fair value is measured based on the perspective of a market participant. As such, even when market assumptions are not readily available, the Group’s own assumptions reflect those that market participants would use for measuring the assets or liabilities at the measurement date. The fair value measurement is described in the one of the following three levels used to classify fair value measurements: •Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies. •Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment. •Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity. Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Risk-free market rate and forward rate Risk-free market rate and forward rate Risk-free market rate and forward rate Risk-free market rate and forward rate Risk-free market rate and forward rate Risk-free market rate and credit spread Risk-free market rate, credit spread and prepayment-rate 439012000000 969000000 661000000 1630000000 128000000 86990000000 3155000000 -58955000000 5000000 -211842000000 16071000000 -8715000000 -204486000000 -333976000000 44968000000 5245000000 -283763000000 9361000000 30886000000 431000000 9361000000 30455000000 Vision Fund Cambodia The Group changed its name to WB Finance Co., Ltd.. 2018-06-21 1.00 For expand Cambodia’s retail business The Group had acquired 100% ownership. 88216000000 16657000000 17000000 205451000000 1630000000 763000000 173000000 1381000000 1510000000 227582000000 54615000000 120644000000 6149000000 000000640000000 4724000000 186772000000 40810000000 -47406000000 57470000000 73810000000 39886000000 50413000000 44797000000 11190000000 7057000000 2177000000 -37709000000 7088000000 50413000000 37709000000 50413000000 85000000000 0 0 Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease). Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease). Woori FIS Co., Ltd. Woori Private Equity Asset Management Co., Ltd. Woori Finance Research Institute Co., Ltd. Woori Card Co., Ltd. Woori Investment Bank Co., Ltd Woori Credit Information Co., Ltd. Woori America Bank Woori Global Markets Asia Limited Woori Bank China Limited AO Woori Bank PT Bank Woori Saudara Indonesia 1906 Tbk Banco Woori Bank do Brasil S.A. Korea BTL Infrastructure Fund Woori Fund Service Co., Ltd. Woori Finance Cambodia PLC. Woori Finance Myanmar Co., Ltd. Wealth Development Bank Woori Bank Vietnam Limited Kumho Trust First Co., Ltd. Asiana Saigon Inc. Consus Eighth Co., LLC KAMCO Value Recreation First Securitization Specialty Co., Ltd. Hermes STX Co., Ltd. BWL First Co., LLC Deogi Dream Fourth Co., Ltd. Jeonju Iwon Ltd. Wonju I one Inc. Heitz Third Co., Ltd. Woorihansoop 1st Co., Ltd. Electric Cable First Co., Ltd Woori International First Co., Ltd. Woori HJ First Co., Ltd. Woori WEBST 1st Co., Ltd. Wibihansoop 1st Co., Ltd. HNLD 1st Inc. Uri QS 1st Co., Ltd Uri Display 1st Co., Ltd. Tiger Eyes 2nd Co., Ltd. Woori Serveone 1st Co., Ltd. Principle Guaranteed Trust Principle and Interest Guaranteed Trust Dongwoo First Securitization Specialty Co., Ltd. Seari First Securitization Specialty Co., Ltd. Namjong 1st Securitization Specialty Co., Ltd. Bukgeum First Securitization Specialty Co., Ltd. TUTU Finance-WCI Myanmar Co., Ltd. Woori Card one of 2017-1 Securitization Specialty Co., Ltd. Woori Card one of 2017-2 Securitization Specialty Co., Ltd. WB Finance Co., Ltd. Uri Display 2nd Co.,Ltd. Woori the Colony Unjung Securitization Specialty Co., Ltd. Woori Dream 1st Co., Ltd. Woori HS 1st Co., Ltd. Smart Casting Inc. HeungkukWoori Tech Company Private Placement Investment Trust No. 1 and 6 beneficiary certificates Seori Second Securitization Specialty Co., Ltd. Bukgeum Second Securitization Specialty Co., Ltd. Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Bank Woori Investment Bank Woori Investment Bank Woori Investment Bank Woori Investment Bank Woori Card Co., Ltd. Woori Card Co., Ltd. Woori Card Co., Ltd. Woori Investment Bank Woori Investment Bank System software development & maintenance Finance Other service business Finance Other credit finance business Credit information Finance Finance Finance Finance Finance Finance Finance Finance Finance Finance Finance Finance Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Trust Trust Asset securitization Asset securitization Asset securitization Asset securitization Finance Asset securitization Asset securitization Finance Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Securities investment and others Asset securitization Asset securitization 1 1 1 1 0.598 1 1 1 1 1 0.799 1 0.999 1 1 1 0.51 1 0 0 0 0.15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.05 0.05 0.05 0.05 1 0.005 0.005 1 0 0 0 0 0 0.05 0.05 Korea Korea Korea Korea Korea Korea U.S.A. Hong Kong China Russia Indonesia Brazil Korea Korea Cambodia Myanmar Philippines Vietnam Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Myanmar Korea Korea Cambodia Korea Korea Korea Korea Korea Korea Korea Korea 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 2018-06-30 80851000000 40799000000 4314000000 9100890000000 2723251000000 34130000000 2073420000000 406684000000 5120070000000 277555000000 2349222000000 155083000000 777576000000 13411000000 73212000000 19837000000 185866000000 1142018000000 227582000000 1573367000000 1226022000000 41221000000 55312000000 2064000000 615000000 7462577000000 2418664000000 6167000000 1777327000000 287622000000 4596883000000 224860000000 1858176000000 125288000000 297000000 977000000 52584000000 6496000000 152414000000 990228000000 186772000000 1543491000000 1631837000000 40000000 138088000000 -7006000000 -7040000000 556000000 -1493000000 -1490000000 2776000000 258000000 258000000 944657000000 67618000000 62866000000 109428000000 14722000000 14878000000 17601000000 839000000 839000000 42624000000 11186000000 24091000000 7302000000 2156000000 7298000000 143390000000 7382000000 25267000000 8778000000 2570000000 200000000 96177000000 22401000000 15947000000 7341000000 882000000 -2515000000 14704000000 12865000000 12865000000 4922000000 1023000000 1023000000 4912000000 1277000000 2197000000 2086000000 -187000000 412000000 6240000000 -2000000 -788000000 23746000000 3545000000 8822000000 24029000000 -36000000 -36000000 32089000000 12202000000 5725000000 785000000 -798000000 -1869000000 272778000000 143307983000000 660000000000 785000000000 371529000000 80082126000000 56427354000000 2635551000000 4651496000000 124009000000 435790000000 4272150000000 5661146000000 5618000000 8081000000 12395000000 12395000000 218551000000 10897000000 1200200000000 806790000000 36079000000 3021000000 115210000000 463000000 2391211000000 34540000000 32965000000 34540000000 32965000000 232719000000 11731000000 1164623000000 750377000000 49352000000 4542000000 163966000000 440000000 2377750000000 75845000000 130197378000000 630000000000 795000000000 318217000000 72526956000000 48176306000000 2291154000000 4038237000000 91436000000 15000000000 5060706000000 4504290000000 7805000000 5000000000 59272000000 59272000000 223935000000 12346000000 1314368000000 1352924000000 64267000000 103000000 146775000000 1057000000 3115775000000 12103000000 55651000000 12103000000 55651000000 253972000000 12869000000 1375799000000 1347905000000 58687000000 10000000 99770000000 1037000000 100000000 3150149000000 Woori Bank and subsidiaries Woori Bank established in 1899 engaged in the commercial banking business under the Banking Act, trust business and foreign exchange business under the Financial Investment Services and Capital Market Act. Previously, Woori Finance Holdings Co., Ltd., the former holding company of Woori Financial Group, established on March 27, 2001 held a 100% ownership of the Bank. Effective November 1, 2014, Woori Finance Holdings Co., Ltd. completed its merger (the “Merger”) with and into the Bank. Accordingly, the shares of the Bank, 597 million shares, prior to the merger, were reduced to nil in accordance with capital reduction procedure, and then, in accordance with the merger ratio, the Bank newly issued 676 million shares. On June 24, 2002, Woori Finance Holdings Co., Ltd. listed its common shares on the Korea Exchange through public offering. In addition, on September 29, 2003, the holding company registered with the Securities and Exchange Commission in the United States of America and, on the same day, listed its American Depositary Shares on the New York Stock Exchange. As Woori Finance Holdings Co., Ltd. was merged into the Bank, the Bank, which is the existing company, succeeded such rights and obligations as a listed company on the Korea Exchange and the New York Stock Exchange. As a result of such merger, the Bank incorporated Woori Card Co., Ltd., Woori Investment Bank Co., Ltd., Woori FIS Co., Ltd., Woori Private Equity Asset Management Co., Ltd., and Woori Finance Research Institute Co., Ltd. as its subsidiaries. The headquarters of the Bank is located in 51, Sogong-ro, Jung Gu, Seoul, Korea. The Bank has 880 branches and offices in Korea, and 23 branches and offices overseas as of June 30, 2018. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of investment in securities and was in scope for consolidation, considering that the Group 1) had the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns. Woori FIS Co., Ltd. Woori Private Equity Asset Management Co., Ltd. Woori Finance Research Institute Co., Ltd. Woori Card Co., Ltd. Woori Investment Bank Co., Ltd Woori Credit Information Co., Ltd. Woori America Bank Woori Global Markets Asia Limited Woori Bank China Limited AO Woori Bank PT Bank Woori Saudara Indonesia 1906 Tbk Banco Woori Bank do Brasil S.A. Korea BTL Infrastructure Fund Woori Fund Service Co., Ltd. Woori Finance Cambodia PLC. Woori Finance Myanmar Co., Ltd. Wealth Development Bank Woori Bank Vietnam Limited Kumho Trust First Co., Ltd. Asiana Saigon Inc. Consus Eighth Co., LLC KAMCO Value Recreation First Securitization Specialty Co., Ltd. Hermes STX Co., Ltd. BWL First Co., LLC Deogi Dream Fourth Co., Ltd. Jeonju Iwon Ltd. Wonju I one Inc. Heitz Third Co., Ltd. Woorihansoop 1st Co., Ltd. Electric Cable First Co., Ltd Woori International First Co., Ltd. Woori HJ First Co., Ltd. Woori WEBST 1st Co., Ltd. Wibihansoop 1st Co., Ltd. HNLD 1st Inc. Uri QS 1st Co., Ltd Uri Display 1st Co., Ltd. Tiger Eyes 2nd Co., Ltd. Woori Serveone 1st Co., Ltd. Principle Guaranteed Trust Principle and Interest Guaranteed Trust Dongwoo First Securitization Specialty Co., Ltd. Seari First Securitization Specialty Co., Ltd. Namjong 1st Securitization Specialty Co., Ltd. Bukgeum First Securitization Specialty Co., Ltd. TUTU Finance-WCI Myanmar Co., Ltd. Woori Card one of 2017-1 Securitization Specialty Co., Ltd. Woori Card one of 2017-2 Securitization Specialty Co., Ltd. System software development & maintenance Finance Other service business Finance Other credit finance business Credit information Finance Finance Finance Finance Finance Finance Finance Finance Finance Finance Finance Finance Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Asset securitization Trust Trust Asset securitization Asset securitization Asset securitization Asset securitization Finance Asset securitization Asset securitization Korea Korea Korea Korea Korea Korea U.S.A. Hong Kong China Russia Indonesia Brazil Korea Korea Cambodia Myanmar Philippines Vietnam Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Korea Myanmar Korea Korea The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. 125809000000 66004000000 16391000000 5912000000 4508000000 -1000000 2082000000 5072000000 5048000000 515000000 1513000000 Associates Associates Associates Associates Associates Associates Associates Associates Associates Associates The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018. Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates. Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017. Associates Associates Associates Associates Associates Associates Associates Associates Associates Associates Corporation that has significant influence over the group Associates The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018 Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017 Corporation that has significant influence over the group Associates Associates Associates Associates Associates Associates Associates Associates Associates Associates Associates As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group. As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group. Due to disposition previous year, the entity is not in scope for associate. The entity was sold after it was transferred to assets held for sale and was excluded from the investment in associates for the year ended December 31, 2017. Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates. The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018 Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates. Due to disposition previous year, the entity is not in scope for associate. The entity was sold after it was transferred to assets held for sale and was excluded from the investment in associates for the year ended December 31, 2017. Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017. 3150145000000 60732000000 Debentures 66455000000 558258000000 Debentures -21725000000 -1665000000 166229000000 Debentures -505000000 -3770000000 Other net operating income Other net operating expense Other net operating income 25049000000 Other net operating income 3894000000 Other net operating income 319876000000 655760000000 327344000000 174741000000 56000000 Fast And Secure Transfer(Payment system) National Bank of Cambodia 2179000000 3787000000 4992000000 1730000000 2872000000 2524000000 4618000000 1138000000 4224000000 4853000000 6136000000 3695000000 2000000 1000000 4000000 -4095000000 -4745000000 -7136000000 -1749000000 5182000000 6420000000 8614000000 4814000000 4497407000000 4491363000000 5022303000000 4051601000000 5992145000000 3672050000000 6848435000000 3527210000000 23856916000000 23546002000000 23803250000000 23933844000000 23766488000000 24043703000000 23742304000000 24201770000000 148324408000000 6771707000000 2350831000000 157446946000000 41273662000000 3243204000000 1983421000000 46500287000000 9372945000000 1902718000000 1725286000000 13000949000000 8650081000000 1637346000000 2005103000000 12292530000000 47212644000000 5246163000000 9955809000000 62414616000000 4314787000000 180998000000 350744000000 4846529000000 259148527000000 18982136000000 18371194000000 296501857000000 101367145000000 9390749000000 979221000000 111737115000000 48458377000000 2020828000000 1801149000000 52280354000000 29955015000000 859698000000 2183459000000 32998172000000 19029698000000 513068000000 2407879000000 21950645000000 38912199000000 2823334000000 18625611000000 60361144000000 296042000000 523418000000 2727547000000 3547007000000 238018476000000 16131095000000 28724866000000 282874437000000 24664000000 84000000 1726000000 115000000 26589000000 27694163000000 94261000000 1936385000000 129245000000 29854054000000 135138000000 359000000 135497000000 1371362000000 3645000000 1375007000000 31972000000 300000000 32272000000 5416294000000 50874000000 5467168000000 1172000000 36000000 1208000000 1520044000000 46488000000 1566532000000 4472890000000 75122000000 338214000000 105949000000 4992175000000 40474753000000 219516000000 2325473000000 235194000000 43254936000000 63000000 11160000000 6417000000 3708000000 3240000000 24588000000 70963000000 12517349000000 7201536000000 4159175000000 3633942000000 27582965000000 505000000 145058000000 2211000000 23541000000 171315000000 5127000000 1472035000000 22438000000 238890000000 1738490000000 21633000000 5568000000 27201000000 3664842000000 943321000000 4608163000000 33000000 1230000000 232000000 140000000 1635000000 43070000000 1595651000000 303001000000 182002000000 2123724000000 102226000000 2700164000000 476871000000 284293000000 4602000000 3568156000000 221386000000 21950041000000 8003846000000 4443468000000 5002757000000 39621498000000 6374000000 7149273000000 32887000000 333730000000 4804000000 813812000000 453000000 587615000000 827004000000 9711434000000 166694385000000 43162226000000 27040587000000 28460961000000 29973608000000 7372659000000 302704426000000 176097000000 176097000000 145033422000000 38505386000000 22976591000000 24574059000000 7487432000000 2144802000000 240721692000000 6407137000000 2639064000000 1876893000000 1478115000000 3238353000000 545403000000 16184965000000 979221000000 1801149000000 2183459000000 2407879000000 18626696000000 2726462000000 28724866000000 14098508000000 216627000000 3644000000 908000000 621127000000 1955992000000 16896806000000 2377750000000 2130000000 59820000000 5555000000 2445255000000 12372573000000 16952436000000 2748005000000 3499122000000 23199563000000 139868803000000 2292979000000 9826809000000 151988591000000 0.1115 0.1296 0.1526 Golden Bridge NHN Online Private Equity Investment Mirae Asset Maps Clean Water Private Equity Investment Trust 7th Kiwoom Yonsei Private Equity Investment Trust Hana Walmart Real Estate Investment Trust 41-1 IGIS Global Private Placement Real Estate Fund No. 148-1 IGIS Global Private Placement Real Estate Fund No. 148-2 Mirae Asset Seoul Ring Expressway Private Special Asset Fund I Hangkang Sewage Treatment Plant Fund Consus KyungJu Green Private Placement Real Estate Fund 1st Korea Korea Korea Korea Korea Korea Korea Korea Korea Securities Investment Securities Investment Securities Investment Securities Investment Securities Investment Securities Investment Securities Investment Securities Investment Securities Investment 0.6 0.571 0.883 0.77 0.75 0.75 0.662 0.556 0.524 The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. Golden Bridge NHN Online Private Equity Investment Mirae Asset Maps Clean Water Private Equity Investment Trust 7th Kiwoom Yonsei Private Equity Investment Trust Hana Walmart Real Estate Investment Trust 41-1 IGIS Global Private Placement Real Estate Fund No. 148-1 IGIS Global Private Placement Real Estate Fund No. 148-2 Korea Korea Korea Korea Korea Korea Securities Investment Securities Investment Securities Investment Securities Investment Securities Investment Securities Investment The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. 0.6 0.597 0.889 0.901 0.75 0.75 Loan and other financial assets at amortized cost Financial assets at FVTPL 8870835000000 322300000000 16749296000000 253014491000000 6772088000000 25972000000 2654027000000 47304000000 3113638000000 1274717000000 46855000000 280000000000 59272000000 850207000000 12874209000000 306955211000000 Financial assets at FVTPL Financial assets at FVTPL Financial assets at FVTPL Financial assets at FVTPL Financial assets at FVTOCI Financial assets at FVTPL Financial assets at FVTOCI Securities at amortized cost Securities at amortized cost Financial assets at FVTPL Loan and other financial assets at amortized cost Derivatives Loan and other financial assets at amortized cost Loans and receivables Available-for-sale financial assets Held to maturity financial assets Loans and receivables Loans and receivables Financial assets at FVTPL Financial assets at FVTPL Financial assets at FVTPL Financial assets at FVTPL Available-for-sale financial assets Available-for-sale financial assets Loans and receivables Derivatives Available-for-sale financial assets Available-for-sale financial assets 8870835000000 308181000000 16749296000000 253014491000000 6772088000000 25972000000 2654027000000 47304000000 3115775000000 1273498000000 46855000000 279032000000 59272000000 850207000000 12874209000000 306941042000000 -2137000000 1219000000 918000000 14119000000 50000000 14169000000 Deposit due to customers Borrowings Debentures Other financial liabilities Provision for financial guarantee Financial liabilities at FVTPL Financial liabilities at FVTPL Financial liabilities at FVTPL Financial liabilities at FVTPL Derivatives liabilities 234695084000000 14784706000000 27869651000000 13892461000000 71697000000 25964000000 91739000000 160057000000 3150149000000 67754000000 294809262000000 Financial liabilities at amortized cost Financial liabilities at amortized cost Financial liabilities at amortized cost Financial liabilities at amortized cost Financial liabilities at amortized cost Financial liabilities at FVTPL Financial liabilities at FVTPL Financial liabilities at FVTPL Financial liabilities at FVTPL Derivatives liabilities 234695084000000 14784706000000 27869651000000 13892461000000 71697000000 25964000000 91739000000 160057000000 3150149000000 67754000000 294809262000000 -236000000 302638000000 2458000000 1827785000000 183247000000 66115000000 2079605000000 3092000000 4236000000 5078000000 2076873000000 192924000000 104985000000 2387188000000 634000000 4236000000 5078000000 249088000000 9677000000 38870000000 307583000000 The impairment model under IFRS 9 reflects expected credit losses, as opposed to incurred credit losses under IFRS 9. Under the impairment approach in IFRS 9, it is no longer necessary for a credit event to have occurred before credit losses are recognized. Instead, the Group accounts for expected credit losses and changes in those expected credit losses. The amount of expected credit losses should be updated at each reporting date to reflect changes in credit risk since initial recognition. The Group is required to recognize the expected credit losses for financial instruments measured at amortized cost or FVTOCI, and loan commitments and financial guarantee contracts that are subject to the impairment provisions of IFRS 9. In particular, when the credit risk of the financial instruments are significantly increased after initial recognition, or when the credit quality of the financial instruments are already impaired at acquisition, the loss allowance is measured as the expected credit loss for the whole life of the financial assets. If the credit risk of a financial instruments does not increase significantly after initial recognition (excluding POCI loans - for financial assets already impaired at initial recognition), the Group measures the loss allowance on the financial instruments at the amount equivalent to the expected 12-month credit loss. Debt instruments that are held within a business model whose objective is to collect the contractual cash flows, and that have contractual cash flows that are solely payments of principal and interest on the principal outstanding are generally measured at amortized cost at the end of subsequent accounting periods (financial assets at amortized cost). Debt instruments that are held within a business model whose objective is achieved both by collecting contractual cash flows and selling financial assets, and that have contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding, are generally measured at fair value through other comprehensive income (financial assets at fair value through other comprehensive income (“FVTOCI”)) All other debt instruments and equity instruments are measured at their fair value at the end of subsequent accounting periods (financial assets at fair value through profit or loss (“FVTPL”)). At initial recognition, financial assets at amortized cost or FVTOCI may be irrevocably designated as financial assets at fair value through profit or loss mandatorily measured at fair value if doing so eliminate or significantly reduce a measurement or recognition inconsistency 152067000000 282000000 -240683000000 -48548000000 -4456000000 -74482000000 177091000000 Leases IFRS 16 will supersede the current lease guidance including IAS 17 Leases and the related interpretations, and will be applied to periods beginning on or after January 1, 2019. IFRS 16 distinguishes leases and service contracts on the basis of whether an identified asset is controlled by a customer. Distinctions of operating leases and finance leases are removed for lessee accounting, and is replaced by model where a right-of-use asset and corresponding liability have to be recognized for all leases by lessees except for short-term leases and leases of low value assets. The right-of-use asset is initially measured at cost and subsequently measured at cost (subject to certain exceptions) less accumulated depreciation and impairment losses, adjusted for any remeasurement of the lease liability. The lease liability is initially measured at the present value of the lease payments that are not paid at that date. Subsequently, the lease liability is adjusted for interest and lease payments, as well as the impact of lease modifications, amongst others. Furthermore, the classification of cash flows will also be affected as operating lease payments under IAS 17 are presented as operating cash flows; whereas under the IFRS 16 model, the lease payments will be split into a principal and an interest portion which will be presented as financing and operating cash flows respectively. In contrast to lessee accounting, IFRS 16 substantially carries forward the lessor accounting requirements in IAS 17, and continues to require a lessor to classify a lease either as an operating lease or a finance lease. Also, IFRS 16 requires expanded disclosures 2019-01-01 2019-01-01 According to the preliminary assessment of the Group, the lease agreements entered into by the Group as of June 30, 2018 are expected to meet the definition of lease under the Standard, and accordingly, if the Group adopts the Standard, it applies to all leases except short-term leases and leases of low value assets, and the Group will recognize the right-of-use assets and related liabilities accordingly. The Group is currently analyzing the potential impact of this standards as of June 30, 2018. -4236000000 The significant judgments which management has made about the application of the Group’s accounting policies and key sources of uncertainty in estimate do not differ from those used in preparing the consolidated financial statements for the year ended December 31, 2017, except the Group’s policy, accounting estimates and assumptions described below; If certain portion of the taxable income is not used for investments, increase in wages, and others in accordance with the Tax System for Promotion of investment and Collaborative Cooperation (Recirculation of Corporate Income), the Group is liable to pay additional income tax calculated based on the tax laws. The new tax system is effective for three years from 2018. Accordingly, the measurement of current and deferred income tax is affected by the tax effects from the new system. In accordance with IFRS 9, the Group tests impairment and recognizes allowances for losses on financial assets classified at amortized cost, and debt instruments measured at fair value through other comprehensive income and lease receivables through impairment testing and recognizes provisions for guarantees, and unused loan commitments. As the Group’s income tax is dependent on the investments, increase in wages, and others, there exists uncertainty with regard to measuring the final tax effects. Accuracy of provisions for credit losses is dependent upon estimation of expected cash flows of the borrower for individually assessed allowances of loans, and upon assumptions and methodology used for collectively assessed allowances for the Group’s of loans, guarantees and unused loan commitments. Expected credit losses due to possible defaults on financial instruments within a 12-month period from the reporting date. Credit risk may be considered to not have been significantly increased when credit risk is low at the reporting date. Expected credit losses from all possible defaults during the expected lifetime of the financial instruments. The Group has estimated the allowance for credit losses based on experience losses with taken account of forward-looking information. The probability of default and loss at given default per financial assets considering account type of borrowers, credit rate grade, portfolio are used in estimation of allowance for expected credit losses and those factors are reviewed periodically to reduce the difference of expected losses and actual losses. The Group also measures expected credit losses using supportive and reasonable macroeconomic indicators, such as economic growth rates, interest rates, and composite stock indices. The methods for the estimation of forward-looking are also regularly reviewed. The Group undertakes the following procedures in order to predict and apply the forward-looking economic information: - Development of a prediction model by analyzing the correlation between macroeconomic data and yearly default rate of corporate and retail exposures. - Calculation of predicted annual default rate by applying forward-looking economic information, which includes estimated macroeconomic indices provided by verified institutions such as Bank of Korea and National Assembly Budget Office, to the prediction model developed. - If the predicted default rate is above the applicable default rate of the current period, application of the increase in default rate as a form of adjustment coefficient to the forward-looking economic information, thereby adjusting the current period estimation. The Group distinguishes corporates/consumers exposures when determining significant increase in credit risk The financial assets are impaired if the following conditions are met; - The principal and interest of the loan has been overdue for more than 90 days due to the serious deterioration of the credit condition, - It is deemed that the borrowers will not pay any portion of the debts without actions of recourse such as the disposition of the collateral is not taken - Objective evidence of impairment of financial assets are identified The Group writes off assets when it is determined that the receivables are virtually impossible to collect. The Group determines which receivable to write-off and subsequently writes them off in accordance with the company’s policy. Regardless of whether assets have been written off, the Group may continue to exercise its right of collection in accordance with company’s policy on receivables collection. 17916231000000 17916231000000 -4096000000 21599560000000 83471000000 269742000000 21963678000000 -20890000000 42620870000000 6674237000000 510663000000 1681120000000 52718524000000 -843365000000 51875159000000 25012286000000 8491759000000 72194000000 1766232000000 35565275000000 -327323000000 35237952000000 4480258000000 579384000000 171224000000 5259376000000 -39332000000 5220044000000 72113414000000 15745380000000 582857000000 3618576000000 93543175000000 -1210020000000 135090660000000 2965678000000 5342732000000 2153793000000 146127674000000 -595749000000 246719865000000 18794529000000 6195331000000 5772369000000 17707379000000 13675528000000 48126000000 15175000000 278102772000000 18842655000000 6210506000000 5772369000000 309160961000000 405304000000 130181000000 19743000000 555228000000 234432000000 789660000000 789660000000 8825767000000 8000000 8825775000000 2191000000 26861286000000 26861286000000 15977000000 50463112000000 65616000000 1402131000000 51930859000000 1078733000000 50852126000000 34107547000000 63067000000 251431000000 34422045000000 267162000000 34154883000000 5547950000000 46717000000 5594667000000 31125000000 5563542000000 90118609000000 128683000000 1700279000000 91947571000000 1377020000000 139886407000000 878406000000 537001000000 141301814000000 435054000000 265692069000000 1007097000000 2237280000000 268936446000000 1830242000000 1685099000000 9897689000000 15806327000000 27389115000000 722923000000 2386567000000 888547000000 3998037000000 236311000000 876482000000 52188000000 1164981000000 9694000000 68506000000 2234000000 80434000000 2654027000000 13229244000000 16749296000000 32632567000000 External Credit Assessment Institution (“ECAI”), Korea’s qualified external rating agency -64278000000 Unless stated below, the accounting policies applied in preparing the accompanying consolidated interim financial statements have been applied consistently with the annual consolidated financial statements as of and for the year ended December 31, 2017. The Group’s consolidated interim financial statements are prepared in accordance with International Financial Reporting Standards (“IFRS”) 34, Interim Financial Reporting and IFRS 10, Consolidated Financial Statements. It is necessary to use the annual consolidated financial statements for the year ended December 31, 2017 for understanding of the accompanying interim financial statements. -481900000000 0 0 0 0 294813795000000 251796000000 -133000000 494000000 -152124000000 4293000000 -397508000000 3005000000 149796000000 -392177000000 Expected credit losses from all possible defaults during the expected lifetime of the financial instruments. The financial assets are impaired if the following conditions are met; - The principal and interest of the loan has been overdue for more than 90 days due to the serious deterioration of the credit condition, - It is deemed that the borrowers will not pay any portion of the debts without actions of recourse such as the disposition of the collateral is not taken - Objective evidence of impairment of financial assets are identified At the end of each period the Group evaluates whether there has been a significant increase in the credit risk since initial recognition. The Group is assessing the change in the risk of a default occurring over the expected life of the financial instruments instead of the change in the amount of expected credit losses. 0 279550758000000 -1830755000000 17707379000000 -5250000000 13738829000000 -4670000000 -1840675000000 209621000000 148818000000 There have been no significant changes in the value of collateral or other credit enhancements held by the Group during the current quarter, changes in collateral or other credit enhancements due to changes in the collateral policy of the Group. As of June 30, 2018, there are no financial assets that do not recognize the allowance for losses due to collateral. The Group performs the sensitivity analyses both for trading and for non-trading activities. For the trading activities, the Group uses a VaR model that uses certain assumptions of possible fluctuations in market conditions and, by conducting simulations of gains and losses, under which the model estimates the maximum losses that may occur. For the non-trading activities, interest rate Earning at Risk (“EaR”) and interest rate VaR, which is based on the simulations of the Net Interest Income (“NII”) and Net Present Value (“NPV”), are calculated for the Bank, and the risks for all other subsidiaries are measured and managed by the interest rate EaR and the interest rate VaR calculations based on the Bank for International Settlements (“BIS”) Framework. A VaR model predicts based on statistics of possible losses on the portfolio at a certain period currently or in the future. It indicates the maximum expected loss with at least 99% credibility. In short, there exists a one percent possibility that the actual loss might exceed the predicted loss generated from the VaR calculation. The actual results are periodically monitored to examine the validity of the assumptions and variables and factors that are used in VaR calculations. However, this approach cannot prevent the loss when the market fluctuation exceeds expectation. A VaR model predicts based on statistics of possible losses on the portfolio at a certain period currently or in the future. It indicates the maximum expected loss with at least 99% credibility. NII is a profit based indicator for displaying profit changes in the short term due to short term interest changes. It will be estimated as subtracting interest expenses of liabilities from the interest income of assets. NPV is an indicator for displaying risks in economic view according to unfavorable changes related to interest rate. It will be estimated as subtracting the present value of liabilities from the present value of assets. EaR shows the maximum profit-loss amount, which indicates the maximum deduction amount caused by the unfavorable changes related to the interest rate of a certain period (i.e. 1 year). Interest rate VaR shows the potential maximum loss generated by the unfavorable changes during a certain period of time in the present or future. 0.0713 0.0863 0.1063 The Group is required to meet the following new minimum requirements: Common Equity Tier 1 capital ratio of 7.13% and 6.25%, a minimum Tier 1 ratio of 8.63% and 7.75% and a minimum total regulatory capital of 10.63% and 9.75% as of June 30, 2018 and December 31, 2017, respectively. The Group complies with the standard of capital adequacy provided by financial regulatory authorities. The capital adequacy standard is based on Basel III of Basel Committee on Banking Supervision and Basel III was applied from the end of December, 2013. The capital adequacy ratio is calculated by dividing own capital by asset (weighted with a risk premium – risk weighted assets) based on the consolidated financial statements of the Group. The Group is required to meet the following new minimum requirements: Common Equity Tier 1 capital ratio of 7.13% and 6.25%, a minimum Tier 1 ratio of 8.63% and 7.75% and a minimum total regulatory capital of 10.63% and 9.75% as of June 30, 2018 and December 31, 2017, respectively. The Group complies with the standard of capital adequacy provided by financial regulatory authorities. The capital adequacy standard is based on Basel III of Basel Committee on Banking Supervision and Basel III was applied from the end of December, 2013. The capital adequacy ratio is calculated by dividing own capital by asset (weighted with a risk premium – risk weighted assets) based on the consolidated financial statements of the Group. 2195526000000 7370107000000 1797635000000 2325422000000 13688690000000 50139000000 905779000000 2330567000000 5217266000000 2725232000000 308181000000 2442579000000 35163000000 13058988000000 170256000000 1411078000000 712628000000 0 0 0 0 0 0 0 0 0 0 0 0 24921000000 25972000000 2391211000000 3115775000000 There is no change to be disclosed in numbers of issued and outstanding shares of common stock for the six months ended June, 2018 and 2017. -424000000 5000000 -114000000 -16000000 The entity is in scope for the associates due to contribution as of the year ended December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018. The entity is in scope for the associates due to contribution as of the year ended December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018. The Group's board of directors held a meeting on June 19, 2018, approving the plan to transfer shares which was formulated to facilitate the establishment of a financial holding company by means of comprehensive share transfer. In relation to the establishment of the financial holding company, the Group is currently undertaking processes to obtain approval from the Financial Services Committee. The six companies that are subject to the share transfer plan include the Bank, Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Service Co., Ltd., Woori Private Equity Asset Management Co., Ltd. After the Group obtains approval from the Financial Services Committee, the Group is planning to establish the financial holding company during the first half of 2019 through processes such as annual shareholders' meeting. Following the establishment of the financial holding company, the six companies mentioned above will become fully owned subsidiaries of the holding company. After the financial holding company is established, the shares of the Group will be delisted from the Korea Stock Exchange and New York Stock Exchange during the first half of the 2019, and the shares of the newly established financial holding company will be listed on both Korea Stock Exchange and New York Stock Exchange. 1210000000 1507000000 339000000 339000000 376865085000000 4689301000000 3210680000000 1353599000000 406929000000 10034236000000 250678479000000 4104912000000 2823247000000 1094988000000 381890000000 8022688000000 5551870000000 2937000000 148955000000 92012000000 12407602000000 52259000000 151131000000 618252000000 16606692000000 63732000000 78872000000 16590000000 42682000000 91603852000000 529193000000 172570000000 66974000000 25039000000 1222412000000 400857300000000 5575722000000 4797799000000 1569636000000 434397000000 11309031000000 258023468000000 4589930000000 4514541000000 1268461000000 400907000000 8922696000000 17531402000000 64856000000 105871000000 4493256000000 6077000000 147242000000 100375000000 12749695000000 50874000000 43352000000 78485000000 2274000000 814149000000 7450000000 4945000000 108052029000000 928841000000 175050000000 70503000000 31216000000 1365940000000 66242824000000 56050845000000 71094693000000 7882046000000 170023881000000 25265541000000 47192641000000 34502509000000 38260051000000 3574746000000 133094287000000 10481970000000 100766000000 83239000000 4640068000000 15073000000 1040000000 955588000000 707737000000 37719000000 7331774000000 153534000000 4998480000000 1348754000000 10962149000000 296214000000 4142179000000 59272000000 16892926000000 21427378000000 9841379000000 3842479000000 36928554000000 4687324000000 67936875000000 58479235000000 75664321000000 8282361000000 188014893000000 26166200000000 48025922000000 35583702000000 42207115000000 3657220000000 138906711000000 9339333000000 1142178000000 11516407000000 313936000000 4729608000000 97529000000 166054000000 3404674000000 43899000000 3019000000 1031775000000 434389000000 54445000000 9020012000000 214549000000 4015434000000 12395000000 18236857000000 22675034000000 9503718000000 4052757000000 49105163000000 7050050000000 Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned. Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned. 0 59272000000 0 Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment. Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment. Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. 0.1492 0.4124 Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss. Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss. Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss. Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss. Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10626155000000 642528000000 3664521000000 233864000000 3550764000000 233732000000 11185991000000 534234000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Central counterparty KRW margin and others The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year). The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year). The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year). Financial instruments Revenue from contracts with customers Classification and Measurement of Share-based Payment Transactions Transfers of Investment Property Foreign Currency Transactions and Advance Consideration The Group applied for the first time as of January 1, 2018, the adoption to IFRS 9 and other standards related to IFRS 9, which introduces new rules: 1) classification and measurement of financial assets and financial liabilities, 2) impairment of financial assets, and 3) hedge accounting. The Group adopted IFRS 15 for the first time and decided to retrospectively apply the cumulative effect of the first application of IFRS 15 as of January 1, 2018. All financial assets included in the scope of IFRS 9 are subsequently measured at amortized cost or fair value based on the business model for the management of financial assets and the nature of the contractual cash flows. The amendments clarify the following; i) In estimating the fair value of a cash-settled share-based payment, the accounting for the effects of vesting and non-vesting conditions should follow the same approach as for equity-settled share-based payments ii) Where tax law or regulation requires an entity to withhold a specified number of equity instruments equal to the monetary value of the employee’s tax obligation to meet the employee’s tax liability which is then remitted to the tax authority, i.e. the share-based payment arrangement has a ‘net settlement feature’, such an arrangement should be classified as equity-settled in its entirety, provided that the share-based payment would have been classified as equity-settled had it not included the net settlement feature, iii) A modification of a share-based payment that changes the transaction from cash-settled to equity-settled should be accounted for as follows; a) the original liability is derecognized; b) the equity-settled share-based payment is recognized at the modification date fair value of the equity instrument granted to the extent that services have been rendered up to the modification date; and c) any difference between the carrying amount of the liability at the modification date and the amount recognized in equity should be recognized in profit or loss immediately. The amendments clarify that a transfer to, or from, investment property necessitates an assessment of whether a property meets the definition of investment property, supported by observable evidence that a change in use has occurred. The amendments further clarify that the situations listed in IAS 40 are not exhaustive and that a change in use is possible for properties under construction (i.e. a change in use is not limited to completed properties). IFRIC 22 addresses how to determine the ‘date of transaction’ for the purpose of determining the exchange rate to use on initial recognition of an asset, expense or income (or part of them), when consideration for that item has been paid or received in advance in a foreign currency which resulted in the recognition of a non-monetary asset or non-monetary liability (e.g. a non-refundable deposit or deferred revenue). The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018. The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. . Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017. The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. . The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended June 30, 2018. The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. The shares of STX Corporation owned by the Group were reclassified as assets held for sale, as the creditor financial institutions committee entered into a contract with AFC Korea Co., Ltd. during the previous year to sell STX Corporation shares. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them. Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates. Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates. As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration. The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. . Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017. The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. . The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them. The amendments include partial amendments to IFRS 1 ‘First-time Adoption of IFRS’ and IAS 28 ‘Investments in Associates and Joint Ventures.’ Amendments to IAS 28 provide that an investment company such as a venture capital investment vehicle may selectively designate each of its investment in associates and/or joint ventures to be measured at fair value through profit or loss mandatorily measured at fair value, and that such designation must be made at the time of each investment’s initial recognition. In addition, when non-investment companies apply equity method to investment in associates and/or joint ventures that are investment companies, these companies may apply the same fair value measurement used by the said associates to value their own subsidiaries. This accounting treatment may be selectively applied to each associate. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1904138000000 11297521000000 1775422000000 10864061000000 0 0 5372000000 3173000000 22043000000 Net gain or loss on valuation of financial assets at FVTOCI included the 1,500 million Won transfer to retained earnings due to disposal of equity securities. 2391211000000 3115775000000 The Group’s objectives of hedging are to ① Mitigate risks of cash flow fluctuation from principal and interest of variable interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rate and market interest rate; and ② Mitigate the risks of cash flow fluctuation from principal and interest of fixed-interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rates. 0 0 0 10684154000000 92335107000000 103019261000000 1104097000000 3717790000000 4821887000000 12464000000 1455884000000 1468348000000 390253000000 740283000000 1130536000000 181605000000 1942000000 183547000000 In accordance with the Banking Act, earned surplus reserve is appropriated at least one tenth of the earnings after tax on every dividend declaration, not exceeding the paid in capital. This reserve may not be used other than for offsetting a deficit or transferring to capital. Other legal reserves were appropriated in the branches located in Japan, Vietnam and Bangladesh according to the banking laws of Japan, Vietnam and Bangladesh, and may be used to offset any deficit incurred in those branches. Pursuant to the Restriction of Special Taxation Act, the Group was previously required to appropriate, as a reserve for business rationalization, amounts equal to tax reductions arising from tax exemptions and tax credits up to December 31, 2001. The requirement was no longer effective from 2002. From 2002 to 2014, the Finance Supervisory Services recommended banks in Korea to appropriate at least 10 percent of net income after accumulated deficit for financial structure improvement, until tangible common equity ratio equals 5.5 percent. But this reserve is not available for payment of cash dividends; however, it can be used to reduce a deficit or be transferred to capital. The reserve and appropriation are an Autonomous judgment matter of the Group since 2015. Additional reserve was appropriated for capital adequacy and other management purpose. In accordance with Article 29 of the Regulation on Supervision of Banking Business (“RSBB”), if provisions for credit loss under IFRS for the accounting purpose are lower than provisions under RSBB, the Group discloses such short fall amount as regulatory reserve for credit loss. Revaluation reserve is the amount of limited dividends set by the board of directors to be the recognized as complementary capital when the gain or loss occurred in the property revaluation by adopting IFRS. In accordance with the Banking Act, earned surplus reserve is appropriated at least one tenth of the earnings after tax on every dividend declaration, not exceeding the paid in capital. This reserve may not be used other than for offsetting a deficit or transferring to capital. Other legal reserves were appropriated in the branches located in Japan, Vietnam and Bangladesh according to the banking laws of Japan, Vietnam and Bangladesh, and may be used to offset any deficit incurred in those branches. Pursuant to the Restriction of Special Taxation Act, the Group was previously required to appropriate, as a reserve for business rationalization, amounts equal to tax reductions arising from tax exemptions and tax credits up to December 31, 2001. The requirement was no longer effective from 2002. From 2002 to 2014, the Finance Supervisory Services recommended banks in Korea to appropriate at least 10 percent of net income after accumulated deficit for financial structure improvement, until tangible common equity ratio equals 5.5 percent. But this reserve is not available for payment of cash dividends; however, it can be used to reduce a deficit or be transferred to capital. The reserve and appropriation are an Autonomous judgment matter of the Group since 2015. Additional reserve was appropriated for capital adequacy and other management purpose. In accordance with Article 29 of the Regulation on Supervision of Banking Business (“RSBB”), if provisions for credit loss under IFRS for the accounting purpose are lower than provisions under RSBB, the Group discloses such short fall amount as regulatory reserve for credit loss. Revaluation reserve is the amount of limited dividends set by the board of directors to be the recognized as complementary capital when the gain or loss occurred in the property revaluation by adopting IFRS. -89723000000 10905000000 1231634000000 222804000000 310996966000000 1482948000000 28510000000 574811000000 2068664000000 2068664000000 176097000000 176097000000 154934637000000 40340567000000 20220152000000 18154029000000 6115894000000 348774000000 240114053000000 6407137000000 2639064000000 1876893000000 1478115000000 3242839000000 540917000000 16184965000000 979221000000 1801149000000 2183459000000 2407879000000 18626696000000 2726462000000 28724866000000 14098508000000 216627000000 3644000000 908000000 621127000000 1955992000000 16896806000000 176595600000000 44997407000000 24284148000000 22040931000000 28606556000000 5572145000000 302096787000000 168442000000 155984000000 1717000000 512000000 375000000 327030000000 159146602000000 31298562000000 16667130000000 21995294000000 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87431000 6625568000 -10376000 234959000 4145934000 -1598249000 44897000 -281050000 1628957000 4781606000 3850442000 4383788000 3467000 1867000 107000 3399000 45143000 13069819000 4805709000 4565192000 5243265000 18032000 6576000 38402000 96550000 14838089000 -1768270000 4472095000 9084538000 13556633000 3700981000 10291158000 302785000 68071000 229358000 1896000 14594249000 -1037616000 -1176929000 6213605000 288534000 71559000000 64363000 7955990000000 36949944000000 14777372000000 232931000000 499861000000 2223211000000 392000000 2956395000000 69259000000 49538000000 2039184000000 885000000 3627000000 2162493000000 1079544000000 10697000000 243371000000 1333612000000 361000000 1081000000 1442000000 749000000 838000000 1587000000 81000000 81000000 3697522000000 2818678000000 1398067000000 2956395000000 2162493000000 1333612000000 741127000000 656185000000 64455000000 158000000 8757000000 9110000000 Asset securitization vehicle issues asset-backed securities and redeems the principal and interest or distributes dividends on asset-backed securities with profits from collecting cash flows or sale of securitized assets. The Group, as a secondary guarantor, provides purchase commitments for its asset-backed securities or guarantees to such asset securitization vehicle and recognizes commission income or interest income related to the commitment or guarantees. Therefore, the Group would be exposed to risks to purchases or pays back asset-backed securities issued by the vehicles when a primary guarantor fails to provide the financing asset securitization vehicles. Structured finance includes investments in project financing on real estates, social overhead capital (“SOC”), infrastructure and shipping finance. They are formed as special purpose entity by funding through equity investments and loans from various investors. Investment decisions are made by the Group based on business outlook of such projects. In relation to such investments, the Group recognizes interest income on loans, gains or losses on valuation of equity investments or dividend income. The structured finance is secured by additional funding agreement, guarantee or credit facilities. However, the structured financing project would fail to return the capital of equity investments or principal of loans to the Group if it is discontinued or did not achieve business outcome. Investment funds include trusts and private equity funds. A trust is formed by contributions from various investors, operated by a manager engaged to the trust and distributed proceeds from sales of investments to the investors. A private equity fund is established in order to acquire ownership interests in a portfolio company with exit strategy after implementing financial and operational restructuring of the company. The Group recognizes unrealized gains or losses on change in value of investments in proposition of ownership interests in investments. The Group would be exposed to risks of loss when the value of portfolio investment is decreased. 7295601000000 40172830000000 13641135000000 43180000000 902390000000 2269451000000 138000000 3215159000000 1969760000000 233428000000 106819000000 4036000000 2314043000000 10160000000 904774000000 223589000000 1138523000000 575000000 858000000 1433000000 968000000 538000000 1506000000 4032531000000 2918448000000 1138523000000 3215159000000 2314043000000 1138523000000 817372000000 604405000000 837000000 3939000000 5993000000 Asset securitization vehicle issues asset-backed securities and redeems the principal and interest or distributes dividends on asset-backed securities with profits from collecting cash flows or sale of securitized assets. The Group, as a secondary guarantor, provides purchase commitments for its asset-backed securities or guarantees to such asset securitization vehicle and recognizes commission income or interest income related to the commitment or guarantees. Therefore, the Group would be exposed to risks to purchases or pays back asset-backed securities issued by the vehicles when a primary guarantor fails to provide the financing asset securitization vehicles. Structured finance includes investments in project financing on real estates, social overhead capital (“SOC”), infrastructure and shipping finance. They are formed as special purpose entity by funding through equity investments and loans from various investors. Investment decisions are made by the Group based on business outlook of such projects. In relation to such investments, the Group recognizes interest income on loans, gains or losses on valuation of equity investments or dividend income. The structured finance is secured by additional funding agreement, guarantee or credit facilities. However, the structured financing project would fail to return the capital of equity investments or principal of loans to the Group if it is discontinued or did not achieve business outcome. Investment funds include trusts and private equity funds. A trust is formed by contributions from various investors, operated by a manager engaged to the trust and distributed proceeds from sales of investments to the investors. A private equity fund is established in order to acquire ownership interests in a portfolio company with exit strategy after implementing financial and operational restructuring of the company. The Group recognizes unrealized gains or losses on change in value of investments in proposition of ownership interests in investments. 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(*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Asset&#160;securitization</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Asiana Saigon Inc. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Consus Eighth Co., LLC (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">KAMCO Value Recreation First Securitization Specialty Co., Ltd.&#160;(*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">15.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">15.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Hermes STX Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">BWL First Co., LLC (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Deogi Dream Fourth Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Jeonju Iwon Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Wonju I one Inc. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Heitz Third Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woorihansoop 1st Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Electric Cable First Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori International First Co., Ltd.&#160;(*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori HJ First Co., Ltd. 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(*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Uri Display 1st Co., Ltd.(*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Tiger Eyes 2nd Co., Ltd.(*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori Serveone 1st Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Uri Display 2nd Co.,Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori the Colony Unjung Securitization Specialty Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori Dream 1st Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori HS 1st Co., Ltd. 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border-top-style: solid;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td>&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">AFS financial assets</p></td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom"/></tr> <tr style="font-family: Times New Roman; 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(*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Aggregate transportation and wholesale</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">26.5</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">26.5</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">G2 Collection Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Wholesale and retail sales</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">28.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">28.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">The Base Enterprise Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Manufacturing</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">48.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">48.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Kyesan Engineering Co., Ltd. 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(*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Service</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">28.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">28.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Wongwang Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Wholesale and real estate</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">29.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">29.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Sejin Construction Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Construction</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">29.6</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">29.6</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">QTS Shipping Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Composite&#160;transportation Arrangement</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">49.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">49.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">DAEA SNC Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Wholesale and retail sales</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">24.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">24.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"/> <td valign="bottom"/> <td valign="bottom"/></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">ARES-TECH Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Electronic component manufacturing</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">23.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">23.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Reading Doctors Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Other service business</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">35.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">35.4</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">PREXCO Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Manufacturing</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">28.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">28.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Hyunwoo International Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Manufacturing</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">25.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">25.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Jiwon Plating Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Plating</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">20.5</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">20.5</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Cultizm Korea LTD Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Wholesale and retail sales</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">31.3</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">31.3</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Gil Co.,Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Manufacturing</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">26.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">26.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">NK Eng Co., Ltd. (*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Manufacturing</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">23.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">23.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Youngdong Sea Food Co., Ltd. (*6)(*7)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Processed sea food manufacturing</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">24.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Woori Growth Partnerships New Technology Private Equity Fund</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="top">Other financial business</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">23.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">23.1</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;"><font style="white-space: nowrap;">2016KIF-IMM</font> Woori Bank Technology Venture Fund</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="top">Other financial business</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">20.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">20.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">K BANK Co., Ltd. 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font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Futures</p></td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; 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font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Purchase options</p></td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; 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(*5)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Credit information</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">9.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">9.9</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Korea Finance Security Co., Ltd. (*4)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Security service</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">15.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">15.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">May&#160;31&#160;</td> <td valign="bottom">(*3)&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">Chin Hung International Inc. 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(*6)</p></td> <td valign="bottom">&#160;&#160;</td> <td align="center" valign="bottom">Aggregate transportation and wholesale</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">26.5</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">26.5</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 8pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em;">G2 Collection Co., Ltd. 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font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Purchase options</p></td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; 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margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 1px; border-top-style: solid;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; 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(*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Asset&#160;securitization</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Asiana Saigon Inc. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Consus Eighth Co., LLC (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">KAMCO Value Recreation First Securitization Specialty Co., Ltd.&#160;(*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">15.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">15.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Hermes STX Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">BWL First Co., LLC (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Deogi Dream Fourth Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Jeonju Iwon Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Wonju I one Inc. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Heitz Third Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woorihansoop 1st Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Electric Cable First Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori International First Co., Ltd.&#160;(*1)</p></td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori HJ First Co., Ltd. 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(*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Uri Display 1st Co., Ltd.(*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Tiger Eyes 2nd Co., Ltd.(*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori Serveone 1st Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Uri Display 2nd Co.,Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori the Colony Unjung Securitization Specialty Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori Dream 1st Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Woori HS 1st Co., Ltd. (*1)</p></td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">&#8221;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">0.0</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">&#8212;&#160;&#160;</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="center" valign="bottom">Korea</td> <td valign="bottom">&#160;</td> <td valign="bottom">&#160;</td> <td align="right" valign="bottom">June&#160;30</td> <td valign="bottom">&#160;</td></tr> <tr style="font-family: Times New Roman; font-size: 10pt; page-break-inside: avoid;" bgcolor="#cceeff"> <td valign="top"> <p style="text-indent: -1em; font-family: Times New Roman; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em;">Smart Casting Inc. 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border-top-style: double;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 3px; border-top-style: double;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 3px; border-top-style: double;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 3px; border-top-style: double;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 3px; border-top-style: double;">&#160;</p></td> <td>&#160;</td> <td valign="bottom">&#160;&#160;</td> <td valign="bottom"> <p style="margin-top: 0pt; margin-bottom: 0pt; border-top-color: rgb(0, 0, 0); border-top-width: 3px; border-top-style: double;">&#160;</p></td> <td valign="bottom"> <p style="margin-top: 0pt; 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Outstanding assets and liabilities from transactions with key management amount to 2,155&#160;million Won and 6,946&#160;million Won, respectively, as of June&#160;30, 2018, and with respect to the assets, the Group has not recognized any allowance nor provision.</p></div></center> The items include derivatives held for trading, derivatives held for hedging and equity-linked securities. The items are included in loans and receivables. Certain financial assets and liabilities are presented as net amounts. The items are included in other financial liabilities The items are included in borrowings. As of June 30, 2018 and December 31, 2017, non-operating assets of the subsidiaries include land and buildings classified as assets held for sale amounting to 5,223 million Won and 840 million Won, respectively. FISCM Act: Financial Investment Services and Capital Markets Act Included debentures under fair value hedge relationships are 3,150,145 million Won and 3,089,751 million Won as of June 30, 2018 and December 31, 2017, respectively. Also, debentures under cash flow hedge amounting to 724,487 million Won and 694,548 million Won are included as of June 30, 2018 and December 31, 2017. The beginning balance was restated in accordance with IFRS 9. Provisions for guarantees includes provision for financial guarantee of 54,896 million Won and 71,697 million Won as of June 30, 2018 and December 31, 2017, respectively. Other provisions consist of provision for litigation and others. There were no transfers between Level 1 and Level 2 of financial assets and liabilities measured at fair value. The Group recognizes transfers among levels at the end of reporting period in which events have occurred or conditions have changed. Fair value changes of equity related derivatives assets and liabilities and equity-linked securities are calculated by increasing or decreasing historical volatility of the stock price and correlation, which are major unobservable variables, by 10%, respectively. In the case of interest rate related derivative assets and liabilities, fair value changes are calculated by increasing or decreasing the volatility of interest rate, which are major unobservable variables, by 10%. Both derivative assets and liabilities for held for trading and hedging are included. Changes of fair value are measured by increasing or decreasing the discount rate by 10%, which is major unobservable variable, respectively. Fair value changes of equity securities are calculated by increasing or decreasing growth rate (0~1%) and discount rate or liquidation value (-1~1%). The growth rate, discount rate, and liquidation value are major unobservable variables. Even if the sensitivity analysis of the capital contributions and beneficiary certificates is not possible in practice, fair value changes of beneficiary certificates and other securities whose major unobservable variables are composed of the real estate are calculated by increasing or decreasing price fluctuation of real estate which is underlying assets and discount rate by 1%. The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements). The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. (current period: KRW 6,310, previous year: KRW 4,425), Chin Hung International Inc. (current period: KRW 1,935, previous year: KRW 1,915). Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates. The net asset amount is after reflecting debt-equity swap and others. The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9. The consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9. Investments in joint ventures and associates decreased by 5,865 million Won through transfers to assets held for sale which occurred during the six months ended June 30, 2018. Changes in investments in joint ventures and associates due to debt-equity swap is 51,405 million Won. Investments in joint ventures and associates decreased by 16,354 million Won through transfers to assets held for sale occurred for the six months ended June 30, 2017. Cooperate insurance, etc. Others consist of foreign currencies translation, etc. Others consist of foreign currencies translation and etc. Others consist of debt-equity swap, foreign currencies translation and etc. Certain AFS unquoted equity securities were measured at cost as of December 31, 2017, that amounted to 37,092 million Won. These unquoted equity instruments mostly represent minority investments in structured entity vehicles, such as asset securitization structures. They are measured at cost because (a) observable inputs of financial information to measure fair value were not available to obtain, (b) there was a significant variance in likely estimated cash flows or (c) the probabilities for various estimated cash flows could not be measured reliably. In addition, the Group has no intention to dispose these investments in the foreseeable future. The losses that increase financial liabilities are presented as positive amounts, and the gains that decrease financial liabilities are presented as negative amounts. The gain amounting to 61,323 million Won for six months ended June 30, 2018, which is from financial assets and liabilities that the Group holds as at the end of the periods, has been recognized in net gain (loss) on financial assets at FVTPL and net gain (loss) on financial assets at FVTOCI in the consolidated statement of comprehensive income. The loss amounting to 61,518 million Won for the six months ended June 30, 2017, which is from financial assets and liabilities that the Group holds, has been recognized in net gain (loss) on financial instruments at FVTPL and net gain (loss) on AFS financial assets in the statement of comprehensive income. The loss amounting to 61,518 million Won for the six months ended June 30, 2017, which is from financial assets and liabilities that the Group holds, has been recognized in net gain (loss) on financial instruments at FVTPL and net gain (loss) on AFS financial assets in the statement of comprehensive income. Other financial liabilities include 54,896 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note23). Other financial liabilities include 71,697 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note23). The items are included in loan at amortized cost and other financial assets. Amortization of other intangible assets amounting to 25,179 million Won is included in other operating expenses. Amortization of other intangible assets amounting to 24,443 million Won is included in other operating expenses. As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2018. As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2017. This is an amount before considering the tax effects. For the change in gain (loss) on valuation of AFS financial assets, “increase (decrease)” represents change due to the valuation during the period, and “reclassification adjustments” represents disposal or recognition of impairment losses on AFS financial assets. At the shareholders’ meeting on March 23, 2018, dividend payment for the year ended December 31, 2017 amounting to 336,636 million Won (500 Won per share) was approved and paid for the six months ended June 30, 2018 Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Other income includes such income amounting to 28,800 million Won for the six months ended June 30, 2017, respectively, that the Group recognized for it is to receive from other creditor financial institutions in accordance with the creditor financial institutions committee agreement. Gain on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for gain related to financial assets at amortized cost in accordance with the adoption of IFRS 9. Other expense includes such expenses amounting to 1,412 million Won and 3,325 million Won for the six months ended June 30, 2018 and 2017, respectively, which are related to the Group’s expected payments to other creditor financial institutions in accordance with the creditor financial institutions committee agreement. In addition, ‘Other expense’ for the six months ended June 30, 2018 and 2017 includes 25,179 million Won and 24,443 million Won, respectively, of intangible asset amortization expense. Loss on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for loss related to financial assets at amortized cost in accordance with the adoption of IFRS 9 The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018. Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017. The consolidated interim statements of cash flows for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of cash flows for the six months ended June 30, 2017 was not retrospectively restated to apply IFRS 9. Identifying the intangible assets and measuring the fair value of identifiable assets acquired are incomplete as the acquisition date was June 21, 2018. The amount of Goodwill could change due to the result of the measurement of the identifiable assets and liabilities. The entity is in scope for the associates due to contribution as of the year ended December 31, 2017. Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease). The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of investment in securities and was in scope for consolidation, considering that the Group 1) had the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns. Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates. Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017. The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group. Due to disposition previous year, the entity is not in scope for associate. Amount after tax deduction Capital adequacy ratio as of June 30, 2018 is tentatively measured. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss. Credit risk may be considered to not have been significantly increased when credit risk is low at the reporting date. Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6. Credit grade of corporates are BBB- ~ C, and consumers are grades 7 ~ 10. Financial assets at FVTPL comprise debt securities held for trading and financial assets designated at FVTPL Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease. Others consist of financial assets in Indonesia, Hong Kong, Singapore, and other countries. The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated. The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018. The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended June 30, 2018. The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them. Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates. As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration. Net gain or loss on valuation of financial assets at FVTOCI included the 1,500 million Won transfer to retained earnings due to disposal of equity securities. The consolidated interim statements of changes in equity for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of changes in equity for the six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9. The number of lawsuits as of June 30, 2018 and December 31, 2017 does not include fraud lawsuits, etc. and those lawsuits that are filed only to extend the statute of limitation. 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of the net defined benefit liability Other comprehensive income that will not be reclassified to profit or loss, net of tax Items that will not be reclassified to profit or loss Gains (losses) on remeasuring available-for-sale financial assets, net of tax Net loss on valuation of AFS financial assets Changes in other comprehensive loss due to valuation of AFS financial assets Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassified to profit or loss, net of tax Share of other comprehensive income (loss) of joint ventures and associates Items out of change in equity method securities due to change in equity of investee that will not be reclassified to profit or loss Other comprehensive income, net of tax, exchange differences on translation Gain (loss) on foreign currencies translation of foreign operations Changes in other comprehensive gain (loss) of foreign operations translation Other comprehensive income, net of tax, cash flow hedges Net loss on valuation of cash flow hedge Changes in other comprehensive loss related to valuation of cash flow hedging Other comprehensive income that will be reclassified to profit or loss, net of tax Items that may be reclassified to profit or loss Other comprehensive income that will not be reclassified to profit or loss, before tax Other comprehensive income(loss), net of tax Comprehensive income Total comprehensive income Profit (loss), attributable to [Abstract] Net income attributable to: Profit (loss), attributable to owners of parent Net income attributable to owners Income from continuing operations attributable to owners of parent Income from continuing operations Net income attributable to owners Income from discontinued operations attributable to owners of parent Income from discontinued operations Comprehensive income attributable to [Abstract] Total comprehensive income attributable to: Comprehensive income, attributable to owners of parent Comprehensive income attributable to owners Other comprehensive income, attributable to non-controlling interests Comprehensive income (loss) attributable to non-controlling interests Basic and diluted earnings (loss) per share Basic and diluted earnings from continuing and discontinued operations per share (Note 42) (Unit: Korean Won and U.S. Dollar) Basic and diluted earnings (loss) per share from continuing operations Basic and diluted earnings from continuing operations per share (Note 43) (Unit: Korean Won and U.S. Dollar) CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY [Abstract] Statement of changes in equity [Table] Components of equity [Axis] Equity [Domain] Total equity Equity attributable to owners of parent [Member] Owner's equity Issued capital [Member] Capital Stock Hybrid securities [Member] Hybrid securities Share premium [Member] Capital surplus Other equity interest [Member] Other equity Retained earnings [Member] Retained earnings Non-controlling interests [Member] Non-controlling interests Statement of changes in equity [Line Items] Changes in equity [Abstract] Dividends recognised as distributions to owners Dividends Dividend paid Increase (decrease) through acquisition of subsidiary, equity Changes in non-controlling interests due to acquisition of subsidiary Increase (decrease) through changes in ownership interests in subsidiaries that do not result in loss of control, equity Change in ownership interest of investments in consolidated subsidiaries and others Capital increase of subsidiaries Increase (decrease) through change in equity of subsidiaries, equity Capital adjustment fluctuation Capital decrease of subsidiaries Increase (decrease) through disposal of subsidiary, equity Issuance of hybrid securities Dividends to hybrid securities Redemption of hybrid securities Cancellation of treasury shares Retirement of treasury stock Increase (decrease) through other changes, equity CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract] Cash flows from (used in) operating activities [Abstract] Cash flows from operating activities Adjustments to reconcile profit (loss) [Abstract] Adjustments Adjustments for income tax expense Income tax expense Adjustments for interest income Interest income Interest income Adjustments for interest expense Interest expense Adjustments for dividend income Dividend income Dividend income Share of profit (loss) of associates accounted for using equity method Share of losses of investments in joint ventures and associates Adjustments for loss on transaction and change in fair value of derivatives Loss on transaction and valuation of derivatives (hedging) Adjustments for loss on fair value hedged items Loss on hedged items (fair value hedge) Adjustments for provisions Loss on provision Post-employment benefit expense, defined benefit plans Expenses related to defined benefit type pension plan Cost recognized in net income Cost recognized in net income Expenses related to defined benefit type pension plan Adjustments for depreciation and amortisation expense Depreciation and amortization Adjustments for loss on disposal of premises and equipment and other assets Loss on disposal of premises and equipment and other assets Adjustments for gain on investment of associates and joint ventures accounted for using equity method Share of profits of investments in joint ventures and associates Adjustments for gain on transaction and change in fair value of derivatives Gain on transaction and valuation of derivatives (hedging) Adjustments for gain on fair value hedged items Gain on hedged items (fair value hedge) Other reversals of provisions Gain on provisions Adjustments for gain on disposal of investments in associates and joint ventures Gain on disposal of investments in joint ventures and associates Adjustments for gain on disposal of premises and equipment and other assets Gain on disposal of premises and equipment and other assets Adjustments for reversal of impairment loss on premises and equipment and other assets Reversal of impairment loss on premises and equipment and other assets Non-operating Income Expense Non-operating income (loss) Non operating income(expense) Increase (Decrease) in Operating Capital [Abstract] Changes in operating assets and liabilities: Adjustments For Decrease Increase In Loans And Receivables Loans and receivables Loans and receivables Adjustments for decrease (increase) in other assets Other assets Other assets Adjustments for increase (decrease) in deposits from customers Deposits due to customers Deposits due to customers Increase (decrease) in other provisions Provision for guarantee and loan commitment and others Provisions Adjustments for increase (decrease) in employee benefit liabilities Net defined benefit liability Net defined benefit liability Adjustments For Increase Decrease In Other Financial Liabilities Other financial liabilities Adjustments for increase (decrease) in other liabilities Other liabilities Other liabilities Classes of cash payments from operating activities [Abstract] Cash received from (paid for) operating activities: Interest received, classified as operating activities Interest income received Interest paid, classified as operating activities Interest expense paid Dividends received, classified as operating activities Dividends received Income taxes paid (refund), classified as operating activities Income tax paid Cash flows from (used in) operating activities Net cash provided by operating activities Cash flows from (used in) investing activities [Abstract] Cash flows from investing activities Proceeds from disposal or maturity of available-for-sale financial assets Disposal of AFS financial assets Proceeds from Sale and Maturity of Held-to-maturity Securities Redemption of HTM financial assets Proceeds from sales of interests in associates Disposal of investments in joint ventures and associates Proceeds from sales of property, plant and equipment, classified as investing activities Disposal of premises and equipment Proceeds from sales of intangible assets, classified as investing activities Disposal of intangible assets Proceeds from disposal of non-current assets or disposal groups classified as held for sale and discontinued operations Disposal of assets held for sale Proceeds from Hedge, Investing Activities Cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities Net cash in-flows of business combination Purchase of available-for-sale financial assets Acquisition of available-for-sale financial assets Payments to Acquire Held-to-maturity Securities Acquisition of HTM financial assets Purchase of interests in associates Acquisition of investments in joint ventures and associates Purchase of investment property Acquisition of investment properties Purchase of property, plant and equipment, classified as investing activities Acquisition of premises and equipment Purchase of intangible assets, classified as investing activities Acquisition of intangible assets Payments for Hedge, Investing Activities Cash flows from (used in) investing activities Net cash provided by (used in) investing activities Cash flows from (used in) financing activities [Abstract] Cash flows from financing activities Proceeds from borrowings, classified as financing activities Increase in borrowings Proceeds from issue of bonds, notes and debentures Issuance of debentures Proceeds from changes in ownership interests in subsidiaries that do not result in loss of control Repayments of borrowings, classified as financing activities Repayment of borrowings Repayments of bonds, notes and debentures Repayment of debentures Dividends paid to equity holders of parent, classified as financing activities Payment of dividends Dividends paid on hybrid securities Repayment of hybrid securities Redemption of hybrid securities Dividends paid to non-controlling interests, classified as financing activities Dividends paid on non-controlling interests Cash flows from (used in) financing activities Net cash used in financing activities Increase (decrease) in cash and cash equivalents Net increase (decrease) in cash and cash equivalents Net decrease in cash and cash equivalents Effect of exchange rate changes on cash and cash equivalents Effects of exchange rate changes on cash and cash equivalents Disclosure of continuing involvement in derecognised financial assets [Text Block] Transferred financial assets that are derecognized in their entirety Schedule of financial assets under repurchase agreement transferred during period which do not qualify for derecognition [Table Text Block] Transferred financial assets of securities under repurchase agreement that are not derecognized in their entirety Schedule of securities lent during period which do not qualify for derecognition [Table Text Block] Transferred financial assets of loaned securities that are not derecognized in their entirety Disclosure of offsetting of financial assets [Text Block] Financial instruments subject to offset enforceable master netting agreements or similar agreements Schedule of investments in associates and joint ventures accounted for using equity method [Table Text Block] Schedule of changes in carrying value of investments in associates and joint ventures accounted for using equity method [Table Text Block] Reconciliation of summarised financial information of associates and joint ventures accounted for using equity method to carrying amount of interest in associates and joint ventures [Table Text Block] Schedule of investments that were not accounted for using equity method [Table Text Block] Carrying amount of investment property [Table Text Block] Details of investment properties Carrying amount of property plant and equipment [Table Text Block] Carrying value of property plant and equipment Carrying amount of intangible assets and goodwill [Table Text Block] Carrying value of intangible assets and goodwill Disclosure of Long Lived Assets Held-for-sale [Table Text Block] Details of assets held for sale Schedule of Financial Instruments Owned and Pledged as Collateral [Table Text Block] Assets subjected to lien Assets acquired through foreclosure [Table Text Block] Schedule of securities lent [Table Text Block] Schedule of Securities Financing Transactions [Table Text Block] Collaterals held that can be disposed and re collateralized regardless of defaults of counterparties Disclosure of prepayments and other assets [Text Block] Details of other assets Details of financial liabilities at fair value through profit or loss Schedule of financial liabilities at fair value through profit or loss [Table Text Block] Schedule of changes in fair value of financial liability attributable to changes in credit risk of liability [Table Text Block] Credit risk adjustments to financial liabilities designated at fair value through profit or loss Difference between carrying amount of financial liabilities at fair value through profit or losss and amount contractually required to pay at maturity to holder of obligation [Table Text Block] Differences between financial liabilities at fair value through profit or loss carrying amount and nominal amount at maturity Deposit Liabilities, Type [Table Text Block] Details of deposits sorted by interest type Disclosure of detailed information about borrowings [Text Block] Details of borrowings Schedule of debentures [Table Text Block] Schedule of provisions Details of provisions Reconciliation of changes in provision for decommissioning restoration and rehabilitation costs Changes in asset retirement obligation Net defined benefit liability asset Schedule of defined benefit liability asset Schedule of defined benefit liability asset by major subsidiaries Details of the net defined benefit liability asset per major subsidiaries Schedule of Changes in Projected Benefit Obligations [Table Text Block] Changes in the carrying value of defined benefit obligation Schedule of Changes in Fair Value of Plan Assets [Table Text Block] Changes in the plan assets Disclosure of information about maturity profile of defined benefit obligation [Text Block] Analysis for the maturity which is not discounted of the defined benefit obligation of the Bank based on current wages Schedule of defined benefit plan amounts recognized in profit loss and other comprehensive income loss Current service cost net interest expense income past service cost loss (gain) on the curtailment or settlement and loss (gain) due to remeasurements Schedule of Assumptions Used [Table Text Block] Key actuarial assumptions used in defined benefit liability assessment Disclosure of sensitivity analysis for actuarial assumptions [Text Block] Sensitivity to actuarial assumptions used in the assessment of defined benefit obligation Schedule of miscellaneous other liabilities [Table Text Block] Schedule of Derivative Instruments [Table Text Block] Details of derivative assets and derivative liabilities Deferred Day One Profit Or Loss [Abstract] Changes in deferred day one profits or losses [Table Text Block] Disclosure of classes of share capital [Text Block] Number of authorized shares and others Schedule of Common Stock Outstanding Roll Forward [Table Text Block] Changes in numbers of issued shares of common stock Disclosure of issued capital and capital surplus [Table Text Block] Schedule of other equity interest [Table Text Block] Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block] Details of other equity Reconciliation of changes in accumulated other comprehensive income [Table Text Block] Changes in the accumulated other comprehensive income or loss Schedule of appropriated and unappropriated retained earnings [Table Text Block] Changes in retained earnings [Table Text Block] Disclosure of interest income [Text Block] Details of interest income Disclosure of interest expense [Text Block] Details of interest expense Schedule of fee and commission income [Table Text Block] Schedule of fee and commission expense [Table Text Block] Schedule of revenue from dividends [Table Text Block] Schedule of gains losses on financial instruments at fair value through profit or loss Details of gains or losses related to financial assets at fair value through profit or loss Schedule of gains losses on financial instruments held for trading Gains or losses on financial assets held for trading Schedule of gains losses on financial instruments designated at fair value through profit or loss Gains or losses on financial assets designated at fair value through profit or loss Disclosure of gains losses recognised in profit or loss available-for-sale securities [Abstract] Disclosure of general and administrative expense [Text Block] Details of administrative expenses Schedule of other operating income Details of other operating incomes Schedule of other operating expense Details of other operating expenses Share of profit loss of associates and joint ventures accounted for using equity method Details of gain or loss on valuation of investments in joint ventures and associates Schedule of Other Nonoperating Income (Expense) [Table Text Block] Other non-operating incomes and expenses Schedule of other non-operating income Details of other non-operating incomes Schedule of other non-operating expense Details of other non-operating expenses Schedule of Components of Income Tax Expense (Benefit) [Table Text Block] Details of income tax expenses Schedule of Effective Income Tax Rate Reconciliation [Table Text Block] Relationship between net income loss before income tax expense and Income tax expense benefit Schedule of changes in deferred tax assets and liabilities Changes in Deferred tax assets and liabilities Disclosure of temporary difference, unused tax losses and unused tax credits [Text Block] Unrecognized temporary differences Deferred tax charged directly to other comprehensive income [Table Text Block] Deferred tax charged directly to other comprehensive income Schedule of current tax assets and liabilities Current tax assets and liabilities Schedule of Deferred Tax Assets and Liabilities Deferred tax assets and liabilities Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Details of earnings per share Schedule of Guarantor Obligations [Table Text Block] Details of guarantees Other Commitments [Table Text Block] Details of loan commitments and others Litigation case [Table Text Block] Schedule of due from to related party [Table Text Block] Assets and liabilities from transactions with related parties Schedule of profit and loss arising from related party transactions [Table Text Block] Gain or loss from transactions with related parties Schedule of key management personnel compensation [Table Text Block] Compensation for key management Disclosure of detailed information about business combinations [Text Block] Details of the merger of Business combination Organization, Consolidation and Presentation of Financial Statements [Abstract] Disclosure of interests in subsidiaries [Text Block] Disclosure of investments in subsidiaries Disclosure of information about consolidated structured entities [Text Block] Consolidated structured entities without ownership Disclosure of unconsolidated structured entities [Text Block] Total assets of the unconsolidated structured entities the carrying value of the related items recorded the maximum exposure to risks and the loss recognized Financial informations Maximum exposure and Loss recognised of unconsolidated structured entities Disclosure of non-controlling interests [Text Block] Accumulated non-controlling interests Disclosure of credit risk [Text Block] Maximum exposure to credit risk by customer Credit risk exposure by industries Analysis of age of financial assets that are past due but not impaired [Text Block] Analysis of financial assets that are individually determined to be impaired [Text Block] Credit quality indicators related to securities Credit soundness of debt securities Net interest income and net portfolio value analysis according to interest changing scenario for assets and liabilities held by the bank Net interest income and net portfolio value analysis according to interest changing scenario for assets and liabilities held by the bank Interest earning at risk and interest value at risk based on bis framework for subsidiaries other than bank Interest earning at risk and interest value at risk based on BIS framework for subsidiaries other than bank Cash flows of principal amounts and interests from interest bearing assets and liabilities by re-pricing date Cash flows of principal amounts and interests from interest bearing assets and liabilities by re-pricing date Disclosure of effect of changes in foreign exchange rates [Text Block] Foreign currency risk exposure of financial instruments in foreign currency Cash flow from principal and interest payments of non derivative financial liabilities by remaining contractual maturities Cash flow from principal and interest payments of non-derivative financial liabilities by remaining contractual maturities Cash flow from principal and interest payments of non derivative financial liabilities by estimated redemption or withdrawal Cash flow from principal and interest payments of non-derivative financial liabilities by estimated redemption or withdrawal Cash flow of derivative financial liabilities by maturities Cash flow of derivative financial liabilities by maturities Maturity analysis of off balance accounts Maturity analysis of off-balance accounts Disclosure of objectives, policies and processes for managing capital [Text Block] Capital Ratio Schedule of related party [Table Text Block] Details of related parties Schedule of provision of guarantees or collateral to entity related party transactions [Table Text Block] Guarantees provided to the related parties Share of other comprehensive income of associates and joint ventures accounted for using equity method, net of tax Change in equity method securities due to change in equity of investees Changes in other comprehensive income and loss of investment in associates Financial assets at fair value through profit or loss Financial assets at FVTPL Financial assets at fair value through profit or loss in accordance with IFRS 9 Description of accounting policy for income tax Income taxes Disclosure of credit risk exposure [Abstract] Disclosure of credit risk exposure [Table] Categories of financial assets [Axis] Financial assets category [Domain] Asset Financial assets Loans and receivables category [Member] Loans and receivables Loans Loans to government [Member] Korean treasury and government agencies Loans to bank [Member] Banks Corporate loans [Member] Corporates Consumer loans [Member] Consumers Financial assets at fair value through profit or loss category [Member] Financial assets at FVTPL (IFRS 9) Financial assets held for trading Gold index linked deposits [Member] Gold banking assets Deposits indexed to gold prices Financial assets at fair value through profit or loss designated upon initial recognition category [Member] Financial assets designated at FVTPL Sub total Derivative financial assets held for trading [Member] Derivative assets for trading Derivative assets Heldtomaturity investments category [Member] Held to maturity debt securities HTM financial assets Derivative financial assets held for hedging [Member] Derivative assets for hedging Derivative assets Off balance sheet item [Member] Off balance sheet items Off-balance accounts Financial guarantee contracts [Member] Guarantees Provision for guarantee Loan commitments [Member] Loan commitments Disclosure of financial instruments [Line Items] Maximum exposure to credit risk Total Disclosure of credit exposure by geographical areas [Table] Disclosure credit exposure by industries [Table] Manufacturing [Member] Manufacturing Financial institutions [Member] Finance and insurance Individuals [Member] Individuals Other industries [Member] Others Small and medium sized enterprise [Member] Small and medium sized enterprise Project financing and others [Member] Project financing and others Disclosure of financial assets that are either past due or impaired [Abstract] General Business Tax Credit Carryforward [Member] General business Impairment of financial assets [Axis] Entitys total for impairment of financial assets [Domain] Financial assets neither past due nor impaired [Member] Loans and receivables neither overdue nor impaired Financial assets past due but not impaired [Member] Loans and receivables overdue but not impaired Financial assets impaired [Member] Impaired loans and receivables Carrying amount accumulated depreciation amortisation and impairment and gross carrying amount [Axis] Carrying Amount [Domain] Gross carrying amount [Member] Gross loans and receivables Acquisition cost Accumulated impairment [Member] Loss allowance Accumulated impairment losses Internal credit grades [Axis] Internal credit grades [Domain] Debt securities of Financial assets at fair value through profit or loss classified as held for trading [Member] Debt securities held for trading Debt securities Disclosure of credit exposure by geographical areas [Abstract] Geographical areas [Axis] Geographical areas [Domain] Korea [Member] Korea China [Member] China USA [Member] USA UK [Member] UK Japan [Member] Japan Categories of financial assets [Abstract] Categories of financial assets Financial assets at fair value through profit or loss which are exposured to credit risk Financial assets at FVTPL (IFRS 9) Debt securities of financial assets available-for-sale AFS debt securities Derivative financial assets held for hedging Derivative assets for hedging Derivative financial assets Off balance sheet item [Abstract] Off balance sheet item Off balance accounts Off balance sheet items Disclosure of credit exposure by industries [Abstract] Products and services [Axis] Products and services [Domain] Past due status [Axis] Past due status [Domain] Current [Member] Less than 30 days Later than one month and not later than two months [Member] 30 to 59 days Later than two months and not later than three months [Member] 60 to 89 days AAA of external credit grades [Member] AAA Credit ratings between AA minus and AA plus of external credit grades [Member] From AA minus to AA plus Credit ratings between BBB minus and A plus of external credit grades [Member] From BBB minus to A plus Below BBB minus of external credit grades [Member] Below BBB minus External credit grades [Axis] External credit grades [Domain] Credit soundness of debt securities [Abstract] Disclosure of external credit exposures [Table] Financial assets designated at fair value through profit or loss of debt securities Financial assets at FVTPL Financial assets availableforsale of debt securities AFS debt securities Held-to-maturity investments of debt securities HTM securities Sensitivity analysis for market risk [Abstract] Methods used in preparing sensitivity analysis reflecting interdependencies between risk variables Limitations that may result in information not fully reflecting fair value of assets and liabilities involved Methods and assumptions used in preparing sensitivity analysis Disclosure of sensitivity analysis of market risk for trading activities [Table] Disclosure of sensitivity analysis of market risk for trading activities [Abstract] Types of risks [Axis] Types of risks [Domain] Interest rate risk [Member] Interest rate risk Equity price risk [Member] Stock price Currency risk [Member] Foreign currencies translation risk Commodity price risk [Member] Commodity price Risk diversification effect [Member] Diversification Fair value concentration of risk disclosure items [Axis] Fair value concentration of risk disclosure items [Domain] Fair value concentration of risk market risk management quantitative information [Member] Fair value concentration of risk market risk management reporting date value at risk [Member] Fair value concentration of risk market risk management value at risk during year [Member] Range [Axis] Ranges [Domain] Weighted average [Member] Average Top of range [Member] Maximum Decrease by 1% point Bottom of range [Member] Minimum Increase by 1% point Value at risk [Line Items] Value at risk Total VaR Disclosure of sensitivity analysis of market risk for non trading activities of bank [Table] Types of scenario [Axis] Types of scenario [Domain] Base case [Member] Base case Base case prepay [Member] Base case (Prepay) Increase interest rate of one hundred basis points [Member] IR 100bp up Decrease interest rate of one hundred basis points [Member] IR 100bp down Increase interest rate of two hundred basis points [Member] IR 200bp up Decrease interest rate of two hundred basis point [Member] IR 200bp down Increase interest rate of three hundred basis point [Member] IR 300bp up Decrease interest rate of three hundred basis points [Member] IR 300bp down Sensitivity analysis of market risk for non trading activities [Line Items] Net interest income NII Net present value NPV Disclosure of sensitivity analysis of market risk for non trading activities of bank [Abstract] Disclosure of sensitivity analysis of market risk for non trading activities of subsidiaries other than bank [Abstract] Interest rate earning at risk EaR Interest rate value at risk VaR Later than six months and not later than nine months [Member] 7 to 9 months Later than nine months and not later than one year [Member] 10 to 12 months Interest baring assets and liabilities [Axis] Interest baring assets and liabilities [Domain] Interest baring assets [Member] Asset Interest baring assets of loans and receivables [Member] Loans and receivables Interest baring assets of financial assets available-for-sale [Member] AFS financial assets Interest baring assets of held-to-maturity investments [Member] HTM financial assets Interest baring liabilities [Member] Liability Interest baring liabilities of deposits from customer [Member] Deposits due to customers Interest baring liabilities of deposits from borrowings [Member] Borrowings Interest baring liabilities of deposits from debentures [Member] Debentures Disclosure of maturity analysis for financial assets held for managing liquidity risk [Abstract] Disclosure of maturity analysis for financial assets held for managing liquidity risk [Table] Maturity [Axis] Aggregated time bands [Domain] Not later than three months [Member] Within 3 months Later than three months and not later than six months [Member] 4 to 6 months Later than one year and not later than five years [Member] 1 to 5 years Later than five years [Member] Over 5 years Cash flows of principal and interests from interest baring assets and liabilities [Line Items] Cash flows of principal and interests from interest bearing assets Cash flows of principal and interests from interest bearing liabilities Cash and cash equivalents Cash flows of principal and interests from interest bearing liabilities Currency Denominated Value [Axis] Currency Denominated Value [Domain] Foreign Currency Denominated Value [Member] Foreign currency KRW Denominated Value [Member] Won equivalent Categories of financial instruments [Axis] Categories of financial instruments [Domain] Deposits from customers [Member] Deposits due to customer Debentures [Member] Debentures Other financial liabilities [Member] Other financial liabilities Multiple foreign currency exchange rates [Abstract] Schedule of differences between reported amount and reporting currency denominated amount [Table] USD [Member] USD JPY [Member] JPY CNY [Member] CNY EUR [Member] EUR Financial assets available-for-sale, category [Member] AFS financial assets Sub total Financial liabilities category [Domain] Liability Financial liabilities Financial liabilities at fair value through profit or loss category [Member] Financial liabilities at FVTPL Total Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items] Asset reporting currency denominated value Financial assets denominated in foregin currencies Liability reporting currency denominated value Financial liabilities denominated in foregin currencies Off balance sheet item in foreign currencies Off balance accounts Disclosure of maturity analysis for nonderivative financial liabilities by remaining contractual maturity [Table] Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items] Nonderivative financial liabilities undiscounted cash flows by remaining contractual maturity Total Cash flows of principals and interests by remaining contractual maturity of financial liabilities at fair value through profit or loss Financial liabilities at FVTPL Cash flows of principals and interests by remaining contractual maturity of deposits from customers Deposits due to customers Cash flows of principals and interests by remaining contractual maturity of borrowings Borrowings Cash flows of principals and interests by remaining contractual maturity of debentures Debentures Cash flows of principals and interests by remaining contractual maturity of other financial liabilities Other financial liabilities Disclosure of maturity analysis for nonderivative financial liabilities by remaining contractual maturity [Abstract] Disclosure of maturity analysis for nonderivative financial liabilities by estimated redemption or withdrawal [Table] Disclosure of maturity analysis for nonderivative financial liabilities by estimated redemption or withdrawal [Abstract] Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items] Nonderivative financial liabilities undiscounted cash flows by estimated redemption or withdrawal Total Cash flows of principals and interests by estimated redemption or withdrawal of financial liabilities at fair value through profit or loss Financial liabilities at FVTPL Cash flows of principals and interests by estimated redemption or withdrawal of deposits from customers Deposits due to customers Cash flows of principals and interests by estimated redemption or withdrawal of borrowings Borrowings Cash flows of principals and interests by estimated redemption or withdrawal of debentures Debentures Cash flows of principals and interests by estimated redemption or withdrawal of other financial liabilities Other financial liabilities Disclosure of maturity analysis for derivative financial liabilities [Abstract] Disclosure of maturity analysis for derivative financial liabilities [Table] Disclosure of maturity analysis for derivative financial liabilities [Line Items] Cash flow to be paid of total settlement derivatives Disclosure of objectives policies and processes for managing capital [Abstract] Minimum common equity tier one ratio Minimum tier one ratio Minimum total regulatory capital ratio Summary of quantitative data about what entity manages as capital Qualitative information about entitys objectives policies and processes for managing capital Capital [Abstract] Tier one risk based capital [Abstract] Tier one risk based capital Tier 1 capital Excess tier one risk based capital Other Tier 1 capital Tier two risk based capital Tier 2 capital Total risk adjusted capital Risk weighted assets for credit risk Risk weighted assets for market risk Risk weighted assets for operational risk Risk weighted assets Total risk weighted assets Common equity tier one capital ratio Common Equity Tier 1 ratio Tier one capital ratio Tier 1 capital ratio Total capital ratio Retail banking [Member] Consumer banking Corporate banking [Member] Corporate banking Investment banking [Member] Investment banking Securities business [Member] Capital market Credit card business [Member] Credit Card Headquarter and others [Member] Headquarter and Others Disclosure of operating segments [Table] Segment consolidation items [Axis] Entitys total for segment consolidation items [Domain] Operating segments [Member] Elimination of intersegment amounts [Member] Inter segment transaction Disclosure of operating segments [Line Items] Inter segment transaction [Line Items] Elimination of intersegment amounts for interest revenue expense Inter-segment Inter-segment Non interest revenue expense Net non-interest income Net non-interest income Revenue from non interest Non-interest income Non-interest income Non interest expense Non-interest expense Non-interest expense Elimination of intersegment amounts for non interest revenue expense Inter-segment Inter-segment Administrative expense and impairment losses due to credit loss Other expense Other income(expense) Administrative expense Impairment loss recognised in profit or loss loans and advances and others Impairment losses on credit loss and others Reversal of allowance for credit loss and impairment losses due to credit loss Description of profit or loss from disposal group not included in segment reporting Factors used to identify entitys reportable segments Disclosure of products and services [Abstract] Description of information on products and services Disclosure of geographical areas [Abstract] Disclosure of geographical areas [Table] Country of domicile [Member] Domestic customers Foreign countries [Member] Foreign customers Disclosure of geographical areas [Line Items] Revenue Non-current assets other than financial instruments deferred tax assets postemployment benefit assets and rights arising under insurance contracts Non-current assets Cash on hand in korean won Cash Cash on hand in foreign currencies Foreign currencies Balances with banks Demand deposits Shortterm deposits classified as cash equivalents Fixed deposits Cash flow noncash investing and financing activities disclosure [Abstract] Changes in investments in associates due to equity swap and others Changes in investments in associates due to equity swap Changes in investments in associates due to accounts transfer Changes in investments in associates due to accounts transfer Changes in unpaid dividends of hybrid equity securities Changes in accrued dividends of hybrid equity securities Disclosure of fair value measurement of financial instruments [Table] Deposits of financial assets held for trading [Member] Deposits Beneficiary certificates of financial assets held for trading [Member] Beneficiary certificates Debt securities of financial assets at fair value through profit or loss designated upon initial recognition [Member] Debt securities Equity securities of financial assets at fair value through profit or loss designated upon initial recognition [Member] Equity securities Debt securities of financial assets available-for-sale [Member] Debt securities Available for sale debt securities Equity securities of financial assets available-for-sale [Member] Equity securities Beneficiary certificates of financial assets available-for-sale [Member] Beneficiary certificates Financial assets available-for-sale others [Member] Others Derivative financial liabilities held for trading [Member] Derivative liabilities Equity linked securities of financial liabilities at fair value through profit or loss designated upon initial recognition [Member] Equity-linked securities Debentures of financial liabilities at fair value through profit or loss designated upon initial recognition [Member] Debentures Derivative financial liabilities held for hedging [Member] Derivative Liabilities Disclosure of fair value measurement of financial instruments [Abstract] Balance sheet location [Axis] Balance sheet location [Domain] Financial assets at fair value through profit or loss classified as held for trading category [Member] Financial assets held for trading Financial assets at FVTPL Financial liabilities at fair value through profit or loss that meet definition of held for trading category [Member] Sub total Financial liabilities at fair value through profit or loss mandatorily measured at fair value Financial liabilities at fair value through profit or loss designated upon initial recognition category [Member] Sub total Financial liabilities at fair value through profit or loss designated as upon initial recognition Levels of fair value hierarchy [Axis] All levels of fair value hierarchy [Domain] Level1 of fair value hierarchy [Member] Level 1 Level2 of fair value hierarchy [Member] Level 2 Level3 of fair value hierarchy [Member] Level 3 Fair value of financial instruments measured at fair value [Line Items] Description of level of fair value hierarchy within which fair value measurement is categorised Financial assets at fair value through profit or loss classified as held for trading Financial assets held for trading (IAS 39) Financial assets at fair value through profit or loss designated as upon initial recognition Financial assets designed at FVTPL Financial liabilities at fair value through profit or loss classified as held for trading Financial liabilities at FVTPL Financial liabilities at fair value through profit or loss mandatorily measured at fair value Financial liabilities at fair value through profit or loss designated as upon initial recognition Financial liabilities at fair value through profit or loss designated as upon initial recognition Carrying amount Derivative financial liabilities held for hedging Derivative financial liabilities Derivative liabilities for hedging Transfers out of level1 into level2 of fair value hierarchy assets Description of reasons for transfers out of level1 into level2 of fair value hierarchy assets Transfers out of level2 into level1 of fair value hierarchy assets Description of reasons for transfers out of level2 into level1 of fair value hierarchy assets Transfers out of level1 into level2 of fair value hierarchy liabilities Description of reasons for transfers out of level1 into level2 of fair value hierarchy liabilities Transfers out of level2 into level1 of fair value hierarchy liabilities Description of reasons for transfers out of level2 into level1 of fair value hierarchy liabilities Description of financial instruments measured at cost Equity securities of financial assets available-for-sale measured at cost Description of valuation processes used in fair value measurement assets Description of valuation processes used in fair value measurement liabilities Description of valuation techniques used in fair value measurement assets Fair value measurement methods Description of valuation techniques used in fair value measurement liabilities Fair value measurement methods Description of inputs used in fair value measurement assets Input variables Description of inputs used in fair value measurement liabilities Input variables Disclosure of financial assets and liabilities classified level3 of fair value hierarchy [Table] Equity linked securities of financial assets at fair value through profit or loss designated upon initial recognition [Member] Equity-linked securities Equity linked securities index Disclosure of financial assets and liabilities classified level3 of fair value hierarchy [Abstract] Financial assets [Domain] Debt securities Financial liabilities [Domain] Total Disclosure of financial assets and liabilities classified level3 of fair value hierarchy [Line Items] Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract] Description of valuation techniques used in fair value measurement for financial instruments classified into level3 of fair value hierarchy Fair value measurement technique Description of unobservable inputs used in fair value measurement financial instruments Input variable Historical volatility for shares unobservable inputs financial instruments Volatility of underlying asset Correlation between underlying assets for unobservable inputs financial instruments Correlation coefficient Growth rate for unobservable inputs financial instruments Expected growth rate Description of interrelationships between unobservable inputs and of how they might magnify or mitigate effect of changes in unobservable inputs on fair value measurement financial instruments Impact of changes in significant unobservable inputs on fair value measurement Reconciliation of changes in level3 of fair value hierarchy [Abstract] Financial assets liabilities measured at fair value level3 of fair value hierarchy Beginning balance Ending balance Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract] Gains losses recognised in profit or loss fair value measurement financial instruments classified into level3 of fari value hierarchy Net Income(loss) Gains losses recognised in other comprehensive income fair value measurement financial instruments classified into level3 of fari value hierarchy Other comprehensive income(loss) Increase of level3 of fair value hierarchy financial instruments due to purchase or issuance Purchases Issuances Decrease of level3 of fair value hierarchy financial instruments due to disposals or settlements Disposals Settlements Transfer from to level3 of fair value hierarchy financial instruments Transfer to or from level 3 Gains losses from financial assets and liabilities classified as level3 that the group holds as at the end of the year Description of reasons for transfers into level3 of fair value hierarchy assets Description of reasons for transfers out of level3 of fair value hierarchy assets Description of reasons for transfers into level3 of fair value hierarchy liabilities Description of reasons for transfers out of level3 of fair value hierarchy liabilities Disclosure of sensitivity analysis for unobsevable inputs level3 of fair value hierarchy financial instruments [Abstract] Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract] Increase of gains losses recognised in profit or loss of fair value measurement due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions financial instruments Favorable changes in unobservable inputs in net income(loss) Decrease of gains losses recognised in profit or loss of fair value measurement due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions financial instruments Unfavorable changes in unobservable inputs in net income(loss) Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract] Increase of gains losses recognised in other comprehensive income of fair value measurement due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions financial instruments Favorable changes in unobservable inputs in other comprehensive income(loss) Decrease of gains losses recognised in other comprehensive income of fair value measurement due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions financial instruments Unfavorable changes in unobservable inputs in other comprehensive income(loss) Description of sensitivity analysis for unobsevable inputs level3 of fair value hierarchy financial instruments Unfavorable changes in unobservable inputs in other comprehensive income Disclosure of financial assets liabilities classified as measured at amortised cost [Table] Debts [Member] Borrowings Deposits [Member] Deposits due to customers Financial assets at amortised cost category [Member] Financial assets Financial liabilities at amortised cost category [Member] Financial liabilities Financial assets liabilities measured at amortised [Line Items] Description of valuation techniques used in fair value measurement financial assets liabilities measured at amortised cost Fair value measurement technique Description of inputs used in fair value measurement financial assets liabilities measured at amortised cost Input variables Disclosure of financial assets liabilities classified as measured at amortised cost [Abstract] Disclosure of continuing involvement in derecognised financial assets [Abstract] Disclosure of continuing involvement in derecognised financial assets [Table] Continuing involvement in derecognised financial assets by type of instrument [Axis] Types of instrument [Domain] Disclosure of continuing involvement in derecognised financial assets [Line Items] Recognised assets representing continuing involvement in derecognised financial assets Carrying amount of Continuing involvement Asset Recognised liabilities representing continuing involvement in derecognised financial assets Carrying amount of Continuing involvement Liability Fair value of assets representing continuing involvement in derecognised financial assets Fair value amount of Continuing involvement Asset Fair value of liabilities representing continuing involvement in derecognised financial assets Fair value amount of Continuing involvement Liability Maximum exposure to loss from continuing involvement Maximum exposure to loss Income from continuing involvement in derecognised financial assets Income from continuing involvement in derecognised financial assets cumulatively recognised Line items of recognised assets and liabilities representing continuing involvement in derecognised financial assets Capital Contractual outstandings of loan commitments Loan commitments Contractual outstandings of financial guarantee contracts Guarantees Disclosure of maturity analysis for off balance sheet item [Abstract] Equity securities of financial assets at fair value through profit or loss classified as held for trading [Member] Equity securities Repurchase agreement [Member] Assets transferred Disclosure of financial assets transferred during period which do not qualify for derecognition [Abstract] Borrowings [Member] Borrowings Description of accounting policy for non-current assets or disposal groups classified as held for sale [Text Block] Assets (or Disposal group) held for sale Securities lending of financial assets availableforsale [Member] Securities loaned Deposits from customers of financial liabilities held for trading [Member] Deposits Deposits due to Customers Fair value of financial assets liabilities measured at amortised cost [Abstract] Held to maturity securities fair value Held-to-maturity financial assets Fair value Loans and receivables Loans and receivables fair value Deposits fair value disclosure Deposits due to customers Borrowings Borrowings fair value Notes and debentures issued fair value Debentures Other financial liabilities Financial liabilities fair value disclosure Carrying value of financial assets liabilities measured at amortised cost [Abstract] Disclosure of financial assets liabilities measured at amortised [Abstract] Financial assets at fair value through profit or loss [Table] Beneficiary certificates [Member] Beneficiary certificates Korea treasury and government [Member] Korean treasury and government bonds and others Korean treasury and government agencies Financial institutions debt securities [Member] Financial institutions Bonds denominated in foreign currency [Member] Bond denominated in foreign currencies Disclosure of due from financial institutions [Table] Types of due from financial institutions [Axis] Types of due from financial institutions [Domain] Mandatory reserve depositsat central banks [Member] Due from the Bank of Korea Due from The BOK Due from banks [Member] Due from the depository banks Loans and receivables (Deposits) Due from non monetary financial institutions [Member] Due from non-monetary financial institutions Securities exchange deposits [Member] Due from the Korea Exchange Due from other financial institutions [Member] Others Financial institutions debt securities and others Schedule of restricted due from financial institutions [Table] Types of restricted due from financial institutions [Axis] Types of restricted due from financial institutions [Domain] Loans in korean won [Member] Loans in local currency Loans in foreign currencies [Member] Loans in foreign currencies Domestic import usance bills [Member] Domestic banker’s letter of credit Bills bought in foreign currencies [Member] Bills bought in foreign currencies Bills bought in korean won [Member] Bills bought in local currency Factored receivables [Member] Factoring receivables Advances for customers on guarantees [Member] Advances for customers on guarantees Private placement corporate bonds [Member] Privately placed bonds Call loans [Member] Call loans Reverse repurchaseagreements [Member] Bonds purchased under resale agreements Deferred loan origination costs and fees [Member] Loan origination costs and fees Loans others [Member] Others Present value discount [Member] Present value discount Other financial assets [Table] Types of other financial assets [Axis] Other financial [Domain] Cma accounts [Member] CMA accounts Other receivables [Member] Receivables Telex and telephone subscription rights and guarantee deposits [Member] Telex and telephone subscription rights and refundable deposits Other financial assets [Member] Other receivables Loans and receivables (Other financial assets) Changes in allowance account for credit losses of financial assets [Table] Other customers [Member] Others Interest rate futures [Member] Interest rate futures Equity futures [Member] Equity futures Other futures [Member] Other futures Description of accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique explanatory Description of accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique Ending balance Aggregate difference between fair value at initial recognition and amount determined using valuation technique yet to be recognised Beginning balance Increase decrease through amounts recognised in profit or loss aggregate difference between fair value at initial recognition and amount determined using valuation technique yet to be recognised Amounts recognized in losses New transactions Increase decrease through new transactions aggregate difference between fair value at initial recognition and amount determined using valuation technique yet to be recognised Acquisitions Changes in aggregate difference between fair value at initial recognition and amount determined using valuation technique yet to be recognised [Abstract] Marketable securities [Member] Securities Securities Other financial assets Other financial instruments at fair value through profit or loss category [Member] Reconciliation of changes in allowance account for credit losses of financial assets [Abstract] Types of customers [Axis] Types of customers [Domain] Credit card receivables [Member] Credit card Credit card accounts Reconciliation of changes in allowance account for credit losses of financial assets [Line Items] Allowance account for credit losses of financial assets Beginning balance Ending balance Beginning balance Ending balance Allowance for credit losses per K-IFRS 1039 (A) Changes in allowance account for credit losses of financial assets [Abstract] Additional allowance recognised in profit or loss allowance account for credit losses of financial assets Impairment losses due to credit loss Provision due to credit loss Net reversal (provision) of loss allowance Impairment losses due to credit loss Recoveries of written-off loans Reversal allowance account for credit losses of financial assets Utilisation allowance account for credit losses of financial assets Charge off Unwinding effect Increase decrease through adjustments arising from passage of time allowance account for credit losses of financial assets Increase (decrease) through other changes, allowance account for credit losses of financial assets Others Disclosure of loans other than banks [Line Items] Disclosure of other financial assets [Line Items] Gain loss on financial instruments at fair value through profit or loss designated upon initial recognition [Axis] Gains losses on financial instruments at fair value through profit or loss designated upon initial recognition [Domain] Realized gain loss on transaction of financial instruments at fair value through profit or loss designated upon initial recognition [Member] Net gains and losses on disposals Unealized gain loss on valuation of financial instruments at fair value through profit or loss designated upon initial recognition [Member] Net gains and losses on valuation Financial instruments at fair value through profit or loss designated as upon initial recognition category [Member] Equity linked securities [Member] Equity-linked securities Other financial instruments at fair value through profit or loss designated as upon initial recognition [Member] Other financial instruments Disclosure of gains losses recognised in profit or loss availableforsale financial assets [Abstract] Gains losses on redemption of available-for-sale financial assets Gains on redemption of securities (IAS 39) Available for sale securities gross realized gain loss net Gains on transaction of securities Impairment losses on securities (IFRS 9) Impairment loss on financial assets measured at fair value through other comprehensive income Disclosure of nonadjusting events after reporting period Description of reason for restricted due from financial institutions Reason of restriction Disclosure of financial assets transferred during period which do not qualify for derecognition [Table] Financial assets which do not qualify for derecognition [Axis] Financial assets which do not qualify for derecognition [Domain] Securities lending [Member] Total Loaned securities Trading equity securities [Member] Equity securities- listed stock Korean Equity securities Disclosure of due from financial institutions [Abstract] KRW [Member] Due from banks in local currency Deposits in local currency Due from banks on demand Demand deposits [Member] Deposits on demand Bank time deposits [Member] Due from banks on time Cashand cash equivalents [Line Items] Due from financial institutions Total Due from banks Reversal of credit loss on financial assets at financial assets at FVTOCI Restricted due from financial institutions [Abstract] Restricted due from financial institutions [Line Items] Restricted due from financial institutions Total Description of restricted due from financial institutions counterparty Counterparty Accounts notes loans and financing receivable grossallowanceand net [Abstract] Schedule of accounts notes loans and financing receivable [Table] Accounts notes loans and financing receivable by receivable type [Axis] Loans and finance receivables [Domain] Loans and receivables Asset backed securities securitized loans and receivables [Member] Securitized loans Disclosure of investment property [Table] Accumulated depreciation and amortisation [Member] Accumulated depreciation Accumulated amortization Disclosure of investment property [Line Items] Reconciliation of changes in investment property [Abstract] Changes in investment property [Abstract] Additions from acquisitions investment property Acquisition Depreciation investment property Depreciation Depreciation on investment properties Depreciation Transfer Transfer from to investment property under construction or development investment property Increase decrease through net exchange differences investment property Foreign currencies translation adjustments Increase decrease through other changes investment property Others Investment property at fair value Fair value of investment properties Description of extent to which fair value of investment property is based on valuation by independent value Description of investment property of level of fair value hierarchy within which fair value measurement is categorised Financial assets availableforsale repurchase agreement category [Member] AFS financial assets Rental income from investment property net of direct operating expense [Abstract] Rental income from investment property Rental fee earned from investment properties Disclosure of property plant and equipment [Table] Classes of property plant and equipment [Axis] Property plant and equipment [Domain] Land [Member] Land Buildings [Member] Buildings used for business purpose Building Machinery and equipment [Member] Properties for business purpose Properties for business use Leasehold improvements [Member] Structures in leased office Construction in progress [Member] Construction in progress Fixtures and fittings [Member] Structures Disclosure of property plant and equipment [Line Items] Reconciliation of changes in property plant and equipment [Abstract] Changes in property plant and equipment [Abstract] Additions other than through business combinations property plant and equipment Acquisition Disposals property plant and equipment Disposal Depreciation property plant and equipment Depreciation Depreciation Decrease through classified as held for sale property plant and equipment Classified to assets held for sale Increase decrease through net exchange differences property plant and equipment Foreign currencies translation adjustment Acquisitions through business combinations property plant and equipment Acquisition through business combination Increase decrease through transfers property plant and equipment Transfer Increase decrease through other changes property plant and equipment Others Membership deposit [Member] Membership deposit Disclosure of intangible assets [Table] Classes of intangible assets and goodwill [Axis] Intangible assets and goodwill [Domain] Goodwill [Member] Goodwill Software and others Computer software [Member] Software Copyrights patents and other industrial property rights service and operating rights [Member] Industrial property rights Patents Development costs Intangible assets under development [Member] Other intangible assets [Member] Others Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items] Reconciliation of changes in intangible assets and goodwill [Abstract] Changes in intangible assets and goodwill [Abstract] Additions other than through business combinations intangible assets other than goodwill Acquisition Disposal Disposals intangible assets and goodwill Amortisation intangible assets other than goodwill Amortization Amortization Impairment loss Impairment loss recognised in profit or loss intangible assets and goodwill Impairment losses Increase decrease through net exchange differences intangible assets and goodwill Foreign currencies translation adjustment Others Increase decrease through transfers and other changes intangible assets and goodwill Classified into disposal group held for sale Decrease through classified as held for sale intangible assets and goodwill Acquisitions through business combinations intangible assets and goodwill Acquisition through business combination Gains (losses) on financial instruments at fair value through profit or loss designated upon initial recognition [Abstract] Schedule of gain loss on investments [Table] Classes of financial instruments [Axis] Classes of financial instruments [Domain] Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition [Line Items] Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) Gains losses on financial instruments at fair value through profit or loss classified as held for trading [Abstract] Gain loss on investments by category [Axis] Gain loss on investments including marketable securities and investments held at cost categories of investments [Domain] Derivatives [Member] Derivatives (for trading) Derivatives instruments assets Interest rate swap contract [Member] Interest rates derivatives Interest rate swaps Currencies derivatives Currency swap contract [Member] Currency swap Equity contract [Member] Equity derivatives Equity Other derivatives Other contract [Member] Others Gains (losses) on financial instruments at fair value through profit or loss classified as held for trading Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) Gains (losses) on financial assets at fair value through profit or loss mandatorily measured at fair value Total Gains losses on financial instruments at fair value through profit or loss Net gain (loss) on financial instruments at fair value through profit or loss (IFRS 9) Reconciliation of aggregate difference between fair value at initial recognition and amount determined using valuation technique yet to be recognised [Abstract] Disclosure of information about amounts that affected statement of comprehensive income as result of hedge accounting [Abstract] Gains losses on hedged item attributable to hedged risk Gains or losses from hedged items Gains or losses from hedging instruments Gains from hedging instruments Description of periods when cash flows expected to occur Reclassification adjustments on cash flow hedges before tax Disclosure of detailed information about hedging instruments [Abstract] Disclosure of detailed information about hedging instruments [Table] Hedging instruments [Axis] Hedging instruments [Domain] Interest rate contract [Member] Interest rate Interest rate swap [Member] Interest rate swap Foreign exchange contract [Member] Currency Currency futures Foreign exchange future [Member] Foreign exchange forward [Member] Currency forward Currency swap Currency swap [Member] Equity swap Equity swap [Member] Position [Axis] Position [Domain] Long [Member] Purchase Short [Member] Written Types of hedges [Axis] Types of hedges [Domain] Fair value hedges [Member] For fair value hedging For cash flow hedging Cash flow hedges [Member] Not designated as hedging instrument trading [Member] For trading Disclosure of detailed information about hedging instruments [Line Items] Derivative assets for trading Derivative financial assets held for trading Derivative liabilities for trading Derivative financial liabilities held for trading Description of line item in statement of financial position that includes hedging instrument Description of other information of derivatives held for trading and hedging Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Abstract] Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Table] Investments in associates and joint ventures [Axis] Entitys total for associates and joint ventures [Domain] Kumho Tire Co Inc Kumho tire Co Inc [Member] Woori service networks Co Ltd [Member] Woori Service Networks Co Ltd Korea Credit Bureau Co Ltd Korea credit bureau Co Ltd [Member] Korea Finance Security Co Ltd Korea finance security Co Ltd [Member] Chin Hung International Inc Chin hung international Inc [Member] Poonglim industrial Co Ltd [Member] Poonglim Industrial Co Ltd STX Engine Co Ltd STX engine Co Ltd [Member] Samho Co Ltd [Member] Samho Co Ltd Samho International Co Ltd STX Corporation STX corporation [Member] Woori Renaissance Holdings Inc Woori renaissance holdings Inc [Member] Woori Renaissance Holdings Saman Corporation Saman corporation [Member] Woori growth partnerships new technology private equity fund [Member] Woori Growth Partnerships New Technology Private Equity Fund 2016KIF-IMM Woori Bank Technology Venture Fund Twenty sixteen KIF IMMwoori bank technology venture fund [Member] K bank Co Ltd [Member] K BANK Co Ltd Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items] Equity method investment summarized financial information equity or capital Total net asset Ownership Proportion of ownership interest in associates and joint ventures Percentage of ownership Equity method investment underlying equity in net assets Net assets of associates(or joint ventures) Cost-book value differential Equity method investment difference between carrying amount and underlying equity Accumulated impairment of investments in associates and joint ventures Impairment Impairment Intercompany transaction and others Equity method investment unrealized intercompany profit loss not eliminated amount Equity method investments Book value Beginning Ending Description of type of retirement benefit plan Description of nature of benefits provided by plan Description of significant actuarial assumptions made and method used to calculate actuarial present value of promised retirement benefits Description of risks to which plan exposes entity Description of risks to which plan exposes entity Surplus deficit in plan [Abstract] Defined benefit obligation at present value Defined benefit obligation Fair value of plan assets Plan assets at fair value Woori card [Member] Woori Card Woori Card Co Ltd Significant investments in subsidiaries [Axis] Entitys total for subsidiaries [Domain] Disclosure of net defined benefit liability asset [Abstract] Disclosure of net defined benefit liability asset [Table] Net defined benefit liability asset [Axis] Net defined benefit liability asset [Domain] Present value of defined benefit obligation [Member] Present value of defined benefit obligation Defined benefit liability Fair value of plan assets Plan assets [Member] Deposits with employee retirement insurance trust Disclosure of net defined benefit liability asset [Line Items] Changes in net defined benefit liability asset [Abstract] Current service cost net defined benefit liability asset Current service cost Current service cost Interest expense(income) Interest expense income net defined benefit liability asset Net interest income Net interest income Gain loss on remeasurement of net defined benefit liability asset Remeasurements Remeasurements Foreign currencies translation adjustments Increase decrease through changes in foreign exchange rates net defined benefit liability asset Contributions to plan by employer net defined benefit liability asset Employer’s contributions Retirement benefit paid Payments from plan net defined benefit liability asset Payments in respect of settlements, net defined benefit liability (asset) Retirement benefit paid Gains losses arising from settlements net defined benefit liability asset Curtailment or settlement Gain (loss) on the curtailment or settlement Gain (loss) on the curtailment or settlement Others Increase decrease through other changes net defined benefit liability asset Disclosure of fair value of plan assets [Abstract] Return on plan assets, net defined benefit liability (asset) Estimate of contributions expected to be paid to plan for next annual reporting period Estimate of contributions expected to be paid to plan Not later than one year [Member] Less than 1 year 1 year ~ less than 2 years Later than one year and not later than two years [Member] Later than two years and not later than five years [Member] 2 years ~ less than 5 years 5 years ~ less than 10 years Later than five years and not later than ten years [Member] Later than ten years [Member] More than 10 years Weighted average duration of defined benefit obligation Estimated average period until the commencement of payment Weighted average maturity of defined benefit liability Disclosure of postemployment benefits expense recognized in net income and total comprehensive income [Abstract] Other comprehensive income before tax gains losses on remeasurements of defined benefit plans [Abstract] Postemployment benefit expense defined benefit plans [Abstract] Cost recognized in total comprehensive income Other comprehensive income before tax gains losses on remeasurements of defined benefit plans Disclosure of actuarial assumptions [Abstract] Actuarial assumption of discount rates Discount rate Future wage growth rate Actuarial assumption of expected rates of salary increases Description of actuarial assumption of retirement rates Retirement rate Mortality rate Description of source of actuarial assumption of mortality rates used Disclosure of sensitivity analysis for actuarial assumptions [Abstract] Disclosure of sensitivity analysis for actuarial assumptions [Table] Actuarial assumptions [Axis] Actuarial assumptions [Domain] Actuarial assumption of discount rates [Member] Discount rate Future wage growth rate Actuarial assumption of expected rates of salary increases [Member] Disclosure of sensitivity analysis for actuarial assumptions [Line Items] Increase decrease in defined benefit obligation due to reasonably possible increase in actuarial assumption Increase decrease in defined benefit obligation due to reasonably possible decrease in actuarial assumption Disclosure of other financial liabilities and other liabilities [Table] Other financial liabilities and other liabilities [Member] Other payables [Member] Account payables Accruals [Member] Accrued expenses Trust accounts [Member] Borrowings from trust accounts Agency businesses [Member] Agency business revenue Miscellaneous other financial liabilities [Member] Other miscellaneous financial liabilities Other non financial liabilities [Member] Other liabilities Unearned revenue [Member] Unearned Income Miscellaneous non financial liabilities [Member] Other miscellaneous liabilities Membership rewards program [Member] Provisions for customer reward credits Disclosure of detailed information about debentures [Table] Debentures on face value [Member] Face value of bond Ordinary debt [Member] Ordinary bonds Other debentures [Member] Other bonds Discount premium on debts [Member] Discounts on bond Disclosure of deposits from customers [Table] Types of deposits [Axis] Types of deposits [Domain] Balances on term deposits from customers [Member] Deposits at termination Deposits on notes payables [Member] Deposits on notes payables Deposits on cma [Member] Deposits on CMA Balances on other deposits from customers [Member] Other deposits Deposits from customers in foreign currencies [Member] Deposits in foreign currencies Reconciliation of changes in other provisions [Abstract] Changes in provisions Reversal of provisions for cost of restructuring The fair values of collateral available to sell or repledge and collateral sold or repledged [Table] Financial liabilities at fair value through profit or loss [Table] Gold index linked liabilities [Member] Gold banking liabilities Equity index linked securities sold [Member] Equity linked securities index in short position Debentures in korean won [Member] Debentures in local currency Disclosure of impairment losses due to credit loss [Abstract] Net addtional provision unused provision reversed of payment guarantee Reversal of provision on (provision for) guarantees Net addtional provision unused provision reversed of provision for credit commitments Reversal of provision on (provision for) loan commitment Reversal of provision on (provision for) loan commitment Classes of liabilities [Axis] Liabilities [Domain] Domestic line of credit [Member] Domestic exchange payables Foreign line of credit [Member] Foreign exchange payables Other financial liabilities and other liabilities [Line Items] Other financial liabilities and other liabilities Total of other financial liabilities and other liabilities Disclosure of other provisions [Table] Classes of provisions [Axis] Other provisions [Domain] Provision for decommissioning restoration and rehabilitation costs [Member] Asset retirement obligation Payment guarantee [Member] Provision for guarantee Payment guarantee Provision for credit commitments [Member] Provision for unused commitments Provision for loan commitments Miscellaneous other provisions [Member] Other provisions Disclosure of other provisions [Line Items] Changes in other provisions [Abstract] Additional provisions other provisions Provisions provided Provision used other provisions Provisions used Unused provision reversed other provisions Reversal of provisions unused Increase decrease through time value of money adjustment other provisions Depreciation Amortization Increase decrease through net exchange differences other provisions Foreign currencies translation adjustments Description of nature and amount of financial guarantees provisions Description of nature of provisions for guarantee Provision for financial guarantee contract Financial guarantee liabilities measured at amortized cost Description of nature of miscellaneous other provisions Disclosure of detailed information about debentures [Abstract] Asset retirement obligation Borrowings by name [Axis] Borrowings by name [Domain] Subordinated debt [Member] Subordinated bonds Disclosure of detailed information about debentures [Line Items] Debentures interest rate Interest rate Fair value hedged amount of debentures Disclosure of detailed information about borrowings [Abstract] Disclosure of detailed information about borrowings [Table] Borrowings in korean won [Member] Borrowings in local currency Borrowings from government [Member] Borrowings from government funds Other borrowings [Member] Others Borrowings in foreign currency [Member] Borrowings in foreign currency Onshore borrowings in foreign currencies Onshore borrowings in foreign currencies [Member] Borrowings in foreign currencies Offshore borrowings in foreign currencies [Member] Offshore borrowings in foreign currencies Bills sold [Member] Bills sold Call money [Member] Call money Repurchase agreements [Member] Bonds sold under repurchase agreements Description of lenders of borrowings Lenders Interest rate Borrowings interest rate Disclosure of detailed information about borrowings [Line Items] Other assets [Table] Prepaid expenses [Member] Prepaid expenses Advance payments [Member] Advance payments Non operative assets [Member] Non-operative assets Miscellaneous assets [Member] Others Other assests [Line Items] Basic earnings per share [Abstract] Diluted earnings loss per share Diluted earnings per share [Abstract] Basic earnings loss per share Basic Earnings Per Share Basic Earnings Per Share for continuing operations Basic earnings loss per share from continuing operations Basic earnings loss per share from discontinued operations Basic Earnings Per Share for discontinued operations Weighted average shares Weighted average number of common shares outstanding Net income from discontinued operations Profit loss from discontinued operations attributable to ordinary equity holders of parent entity Profit loss from continuing operations attribu table to ordinary equity holders of parent entity Net income from continuing operations Net income attributable to common shareholders Profit loss attributable to ordinary equity holders of parent entity Adjustment to profit loss for preference share dividends Dividends to hybrid securities Contingent liabilities [Domain] Classes of contingent liabilities [Axis] Disclosure of contingent liabilities [Table] Confirmed acceptances and payment guarantees [Member] Confirmed guarantees Payment guarantees for loans [Member] Guarantee for loans Acceptances Bankers acceptance [Member] Letter of guarantees [Member] Guarantees in acceptances of imported goods Other confirmed payment guarantees [Member] Other confirmed guarantees Unconfirmed acceptances and payment guarantees [Member] Unconfirmed guarantees Guarantees of domestic letter of credit [Member] Local letter of credit Guarantees of import foreign letter of credit [Member] Letter of credit Other unconfirmed payment guarantees [Member] Other unconfirmed guarantees Commercial paper puchase and others commitments [Member] Commercial paper purchase commitments and others filed lawsuits Legal proceedings contingent liability [Member] Settled litigation [Member] Other contingent liabilities [Member] Other Other commitments Loss contingency number of plaintiffs Number of cases as plaintiffs Number of cases as defendants Loss contingency number of defendants Loss contingency damages sought value Amount of litigation as defendant Allowance for litigations Legal proceedings provision Gains losses on litigation settlements Gains and losses on litigation settlements Indication of uncertainties of amount or timing of outflows contingent liabilities Disclosure of contingent liabilities [Line Items] Disclosure of deposits from customers [Line Items] Categories of financial liabilities [Axis] Disclosure of financial liabilities at fair value through profit or loss [Line Items] Designated financial liabilities at fair value through profit or loss [Abstract] Credit risk adjustments Changes in fair value of financial liability attributable to changes in credit risk of liability Accumulated changes in credit risk adjustments Accumulated changes in fair value of financial liability attributable to changes in credit risk of liability Additional information about credit risk adjustments Disclosure of difference between carrying amount and nominal amountat maturityof financial liabilities at fair value through profit or loss designated as upon initial recognition [Abstract] Nominal amount at maturity Nominal amount Difference between carrying amount of financial liability and amount contractually required to pay at maturity to holder of obligation Difference Disclsoure of assets pledged as collateral [Abstract] Financial instruments owned and pledged as collateral [Table] Financial instruments owned and pledged as collateral [Axis] Collateral pledged [Domain] Real estate [Member] Premises and equipment Financial instruments owned and pledged as collateral [Line Items] Assets pledged as collateral for liabilities or contingent liabilities Amount Reason for collateral Nature of assets pledged as collateral description Disclsoure of carrying amounts o assets acquired through foreclosure [Abstract] Land acquired through foreclosure Land Buildings Buildings acquired through foreclosure Properties for business use acquired through foreclosure Properties not used in business Real estate acquired through foreclosure Total Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items] Assets that entity continues to recognise Nature of financial assets transferred during period which do not qualify for derecognition Security owned and pledged as collateral fair value [Abstract] Collateral [Axis] Collateral [Domain] Fair value of collateral available to sell or repledge and collateral sold or repledged [Line Items] Assets held as collateral permitted to be sold or repledged at fair value Fair values of collaterals Assets sold or repledged as collateral at fair value Fair values of collaterals were disposed or re-subjected to lien Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Abstract] Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Table] Orient shipyard Co Ltd [Member] Orient Shipyard Co Ltd The base enterprise Co Ltd [Member] The Base Enterprise Co Ltd Saenuel Co Ltd [Member] Saenuel Co Ltd E mirae tech Co Ltd [Member] E mirae Tech Co Ltd Jehin Trading Co Ltd Jehin trading Co Ltd [Member] Nk eng Co Ltd [Member] Nk Eng Co Ltd The season Co Ltd The season Co Ltd [Member] Yuil PESC Co Ltd Yuil pesc Co Ltd [Member] Kyesan engineering Co Ltd [Member] Kyesan engineering Co Ltd Good software lab Co Ltd Good software lab Co Ltd [Member] Reading Doctors Co Ltd Reading doctors Co Ltd [Member] Wongwang Co Ltd Wongwang Co Ltd [Member] Youngdong sea food Co Ltd [Member] Youngdong Sea Food Co Ltd Sinseong Trading Co Ltd Sinseong trading Co Ltd [Member] Prexco Co Ltd [Member] PREXCO Co Ltd Hyunwoo International Co Ltd Hyunwoo international Co Ltd [Member] Number of shares of associates and joint ventures owned Number of shares owned Description of reasons why presumption that interest of more than twenty per cent in associate is overcome Description of reason why interests more than twenty per cent in associate and joint ventures excluded Equity method investment summarized financial information [Abstract] Equity method investment summarized financial information [Table] Equity method investment summarized financial information [Line Items] Equity method investment summarized financial information assets Assets Equity method investment summarized financial information liabilities Liabilities Operating revenue Equity method investment summarized financial information income loss from continuing operations before extraordinary items Equity method investment summarized financial information net income loss Net income(loss) Disclosure of changes in investments in associates and joint ventures [Abstract] Disclosure of changes in investments in associates and joint ventures [Table] Force tec Co Ltd [Member] Force TEC Co Ltd Disclosure of changes in investments in associates and joint ventures [Line Items] Investments in associates and joint ventures Acquisition cost Changes in investments in associates and joint ventures [Abstract] Purchase of interests in investments accounted for using equity method Acquisition Equity method investment sold carrying amount Disposal and others Dividends Dividends received from investments accounted for using equity method classified as investing activities Change in capital of investments in associates and joint ventures Change in capital Other changes in investments in associates and joint ventures Others Disclosure of investments in associates and joint ventures [Abstract] Disclosure of investments in associates and joint ventures [Table] Woori bank [Member] Woori bank Dongwoo CC Co Ltd [Member] Dongwoo C and C Co Ltd SJCO Co Ltd SJCO Co Ltd [Member] G2 Collection Co Ltd G Two collection Co Ltd [Member] Sejin construction Co Ltd [Member] Sejin construction Co Ltd QTS shipping Co Ltd QTS shipping Co Ltd [Member] DAEA SNC Co Ltd [Member] DAEA SNC Co Ltd ARES TECH Co Ltd ARES TECH Co Ltd [Member] Woori private equity asset management Co Ltd [Member] Woori Private Equity Asset Management Co Ltd Disclosure of investments in associates and joint ventures [Line Items] Date of using financial statements of associates and joint ventures Financial statements as of June 30 2018 Description of reconciliation using different date of financial statements between group and associates and joint ventures Description of reason why using different reporting date or period for associate Description of nature of entitys relationship with associate and joint ventures Description of nature of entitys relationship with associate Disclosure of offsetting of financial liabilities [Abstract] Disclosure of offsetting of financial liabilities [Table] Types of financial liabilities [Axis] Financial liabilities type [Domain] Financial liabilities Derivative financial instruments liabilities [Member] Derivative liabilities and others Derivative liabilities Payable spot exchange Payable spot exchange [Member] Domestic exchange settlement credits [Member] Domestic exchange payable Disclosure of offsetting of financial liabilities [Line Items] Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements [Abstract] Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract] Gross financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements Gross amounts of recognized financial liabilities Gross amounts of recognized financial liabilities set off Gross financial assets set off against financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position Net amounts of financial liabilities presented Related amounts not set off in the consolidated statement of financial position Amounts subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities [Abstract] Financial instruments subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities Netting agreements and others Cash collateral pledged Cash collateral pledged subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities Amounts subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements Net amounts Description of rights of setoff associated with financial liabilities subject to enforceable master netting arrangement or similar agreement Disclosure of offsetting of financial assets [Abstract] Disclosure of offsetting of financial assets [Table] Types of financial assets [Axis] Financial assets type [Domain] Financial assets Derivative financial instruments assets [Member] Derivative assets and others Derivative assets Receivable spot exchange Receivable spot exchange [Member] Reverse repurchase agreements [Member] Bonds purchased under resale agreements Domestic exchanges receivable Domestic exchange settlement debits [Member] Disclosure of offsetting of financial assets [Line Items] Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements [Abstract] Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract] Gross financial assets subject to offsetting enforceable master netting arrangements or similar agreements Gross amounts of recognized financial assets Gross amounts of recognized financial assets set off Gross financial liabilities set off against financial assets subject to offsetting enforceable master netting arrangements or similar agreements Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position Net amounts of financial assets presented Amounts subject to enforceable master netting arrangement or similar agreement not set off against financial assets [Abstract] Related amounts not set off in the consolidated statement of financial position Financial instruments subject to enforceable master netting arrangement or similar agreement not set off against financial assets Netting agreements and others Cash collateral received Cash collateral received subject to enforceable master netting arrangement or similar agreement not set off against financial assets Amounts subject to enforceable master netting arrangement or similar agreement not set off against financial assets Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements Net amounts Description of rights of setoff associated with financial assets subject to enforceable master netting arrangement or similar agreement Disclosure of other financial assets [Abstract] Accrued income receivable [Member] Accrued income Other financial assets Other Other receivables Loans and advances to customers Loans Reversal of credit loss on securities at amortized cost losses Total Schedule of held to maturity securities [Table] Corporate bond securities [Member] Corporates Schedule of held to maturity securities [Line Items] Held to maturity securities unrecognized holding gains Unrealized gains Unrealized losses Held to maturity securities unrecognized holding losses Schedule of available for sale securities [Table] Asset backed securities [Member] Asset-backed securities Other debt securities [Member] Other debt securities Inter segment transaction [Line Items] Available for sale securitiesamortized cost Amortized cost Available for sale securities gross unrealized gains Unrealized gains Unrealized losses Available for sale securities gross unrealized loss Disclosure of financial assets at fair value through profit or loss [Line Items] Financial assets held for trading [Line Items] Dividends proposed or declared before financial statements authorised for issue but not recognised as distribution to owners Dividends proposed or declared before financial statements authorised for issue but not recognised as distribution to owners per share Disclosure of interest income operating [Abstract] Interest income on available-for-sale financial assets AFS financial assets Interest income on held-to-maturity investments HTM financial assets Interest income on held-to-maturity financial assets Interest income on loans and receivables [Abstract] Loans and receivables Interest income deposits with financial institutions Interest on due from banks Interest income on loans Interest on loans Interest income on other receivables Interest of other receivables Interest income on loans and receivables Sub-total Interest expense [Abstract] Interest expense on deposits from customers Interest on deposits due to customers Interest expense on borrowings Interest on borrowings Interest expense on bonds Interest on debentures Interest expense on other financial liabilities Interest expense on others Fee and commission income [Abstract] Servicing fees net Fees and commissions received Guarantee fees Guaranty fee income Fees and commissions received for provision of guarantee Project financing fee income Fees from project financing Fees and commissions received on project financing Credit card fees Fees and commissions credit cards Fees and commissions received on credit card Brokerage fee income Brokerage fees Fees and commissions received on securities Others Other fee and commission income Other fees and commissions received Disclosure of composition of banking fees explanatory Fee and commission expense [Abstract] Fee and commission paid Fees and commissions paid Credit card commissions Fees and commissions expense credit cards Brokerage fee expense Brokerage commissions Others Other fee and commission expense Dividend income from financial assets at fair value through profit or loss Dividend from financial assets at FVTPL (IFRS 9) Dividend income from available-for-sale financial assets Dividend from AFS financial assets Borrowings from The BOK Borrowings from bank of korea [Member] Borrowings from korea development bank and others [Member] The Korea Development Bank and others Borrowings from seoul metropolitan government and others [Member] Seoul Metropolitan Government and others Borrowings from export import bank of korea and others [Member] The Export-Import BOK and others Borrowings from commonwealth bank [Member] Commonwealth Bank Class of financing receivable type of borrower [Axis] Class of financing receivable type of borrower [Domain] Nonoperating income expense [Abstract] Gain or loss on valuation of investments in associates and joint ventures Share of profit of associates and joint ventures accounted for using equity method Gain on valuation Share of loss of associates and joint ventures accounted for using equity method Loss on valuation Loss on valuation Impairment loss of investments in associates and joint ventures Impairment loss Impairment Impairment Impairment loss Disclosure of other non operating income and expenses [Abstract] Other income disclosure nonoperating [Abstract] Rental income Rental fee income Gains on disposal of investment in joint ventures and associates Gains on disposal of investment in associates and joint ventures Gains on disposal of premises and equipment and other assets Gains on disposal of premises and equipment, intangble assets and other assets Reversal of impairment loss on premises and equipment and other assets Reversal of impairment loss of premises and equipment, intangible assets and other assets Miscellaneous non operating income Others Other non-operating income Other nonoperating income Total Other expense disclosure nonoperating [Abstract] Interest expenses of rent leasehold deposits Interest expenses of rent leasehold deposits Interest expenses of rent leasehold deposits Losses on disposal of investment in associates and joint ventures Losses on disposal of investment in joint ventures and associates Losses on disposal of investment in joint ventures and associates Losses on disposal of premises and equipment and other assets Losses on disposal of premises and equipment and other assets Losses on disposal of investment in joint ventures and associates Impairment losses on premises and equipment and other assets Impairment losses on premises and equipment and other assets Impairment losses on premises and equipment and other assets Donations and subsidies expense Donation Donation Others Miscellaneous non operating expense Others Other nonoperating expense Other non-operating expenses Total General and administrative expense [Abstract] Classes of employee benefits expense [Abstract] Employee benefits Salaries Wages and salaries Other shortterm employee benefits Employee benefits Retirement benefit service costs Postemployment benefits period expense Termination benefits expense Termination Sub total Employee benefits expense Postemployment benefit expense defined contribution plans Paid amount for defined contribution type pension plan Retirement benefit service costs defined contribution plans Depreciation and amortisation expense [Abstract] Depreciation and amortisation expense Depreciation and amortization Other general and administrative expense [Abstract] Rental expense Rent Tax expense other than income tax expense Taxes and public dues Professional fees expense Service charges Electronics data processing expenses Computer and IT related Communication expense Telephone and communication Operating promotion Marketing expense Advertising expense Advertising Printing Publication expense Travel expense Traveling Supplies Supplies expense Insurance expense Insurance premium Reimbursement Reimbursement expense Repairs and maintenance expense Maintenance Water, light and heating Utilities expense Vehicle maintenance expense Vehicle maintenance Others Other general and administrative expense Total of other general and administrative expense Sub total Other operating income [Abstract] Foreign exchange gain Gains on transaction of foreign exchange Gains on disposal of loans and receivables Gains on disposition of other financial assets Gains on change in value of derivatives Gains on transactions of derivatives Gains on fair value hedged items Gains on change in value of hedged item Miscellaneous other operating income Others Income for payment to other creditor financial institutions Other operating expenses [Abstract] Foreign exchange loss Losses on transaction of foreign exchange Deposit insurance fees KDIC deposit insurance premium Contribution to funds Contribution to miscellaneous funds Losses on disposition of other financial assets Losses(gains) on disposals of loans and receivables Losses on change in value of derivatives Losses(gains) related to derivatives Losses on change in value of hedged item Losses(gains) on fair value hedged items Miscellaneous other operating expense Others Total Other operating expenses Expenses for payment to other creditor financial institutions Disclosure of classes of share capital [Abstract] Disclosure of classes of share capital [Table] Classes of share capital [Axis] Classes of share capital [Domain] Ordinary shares [Member] Ordinary share Disclosure of classes of share capital [Line Items] Number of shares authorised Shares of common stock authorized Par value Par value per share Number of shares issued Beginning balance Ending balance Shares of common stock issued Reconciliation of number of shares outstanding [Abstract] Changes in outstanding shares Changes in number of shares outstanding [Abstract] Retirement of treasury stock Treasury stock shares retired Miscellaneous equity [Abstract] Other additional capital Other capital surplus Capital reserve Total Capital surplus Disclosure of bond type hybrid securities of other equity interest classified as owner s equity [Table] Types of bond type hybrid securities of other equity interest classified as owners equity [Axis] Bond type hybrid securities of other equity interest classified as owner equity [Domain] Total Hybrid securities of other equity interest in local currency [Member] Securities in local currency Hybrid securities of other equity interest in local currency issued in 200801 [Member] Hybrid securities of other equity interest in local currency issued in 200801 Other operating income Total Hybrid securities of other equity interest in local currency issued in 201301 [Member] Hybrid securities of other equity interest in local currency issued in 201301 Hybrid securities of other equity interest in local currency issued in 201302 [Member] Hybrid securities of other equity interest in local currency issued in 201302 Hybrid securities of other equity interest in local currency issued in 201401 [Member] Hybrid securities of other equity interest in local currency issued in 201401 Hybrid securities of other equity interest in local currency issued in 201501 [Member] Hybrid securities of other equity interest in local currency issued in 201501 Hybrid securities of other equity interest in foreign currency [Member] Securities in foreign currencies Hybrid securities of other equity interest in foreign currency issued in 201501 [Member] Hybrid securities of other equity interest in foreign currency issued in 201501 Hybrid securities of other equity interest in foreign currency issued in 201601 [Member] Hybrid securities of other equity interest in foreign currency issued in 201601 Hybrid securities of other equity interest issue costs [Member] Issuance cost Retained earnings accumulated deficit [Table] Retained earnings accumulated deficit [Axis] Retained earnings accumulated deficit [Domain] Other legal reserve [Member] Other legal reserve Voluntary reserve [Member] Voluntary reserve Business rationalization reserve [Member] Business rationalization reserve Reserve for financial structure improvement [Member] Reserve for financial structure improvement Additional reserve [Member] Additional reserve Regulatory reserve for credit loss [Member] Regulatory reserve for credit loss Revaluation reserve [Member] Revaluation reserve Other voluntary reserve [Member] Other voluntary reserve Amount contractually required to pay at maturity to holder of obligation Nominal amount at maturity Nominal amount at maturity Korea deposit insurance corporation [Member] KDIC Kumho tires Co Ltd [Member] Kumho Tires Co Inc Registered executive [Member] Non registered executive [Member] Pt bank woori saudara indonesia nineteenzerosix tbk [Member] PT Bank Woori Saudara Indonesia 1906 Tbk Wealth development bank [Member] Woori Wealth Bank in Philippines Wealth Development Bank Woori bank vietnam limited [Member] Woori Bank Vietnam Limited Woori FIS Co Ltd [Member] Woori FIS Co Ltd Woori Finance Research Institute Co Ltd [Member] Woori Finance Research Institute Co Ltd Woori Investment Bank Co Ltd [Member] Woori Investment Bank Co Ltd Woori Investment Bank Woori Credit Information Co Ltd [Member] Woori Credit Information Co Ltd Woori America Bank [Member] Woori America Bank Woori Global Markets Asia Limited [Member] Woori Global Markets Asia Limited Woori Bank China Limited [Member] Woori Bank China Limited AO Woori Bank [Member] AO Woori Bank Woori Brazil Bank [Member] Banco Woori Bank do Brasil S.A Korea BTL Infrastructure Fund [Member] Korea BTL Infrastructure Fund Woori Fund Service Co Ltd [Member] Woori Fund Service Co Ltd Woori Finance Cambodia [Member] Woori Finance Cambodia PLC Woori Finance Myanmar [Member] Woori Finance Myanmar Co Ltd Kumho Trust First Co Ltd [Member] Kumho Trust First Co Ltd Asiana Saigon Inc [Member] Asiana Saigon Inc Consus Eighth Co LLC [Member] Consus Eighth Co LLC KAMCO Value Recreation First Securitization Specialty Co Ltd [Member] KAMCO Value Recreation First Securitization Specialty Co Ltd Hermes STX Co Ltd [Member] Hermes STX Co Ltd BWL First Co LLC [Member] BWL First Co LLC Deogi Dream Fourth Co Ltd [Member] Deogi Dream Fourth Co Ltd Jeonju Iwon Ltd [Member] Jeonju Iwon Ltd Wonju I one Inc [Member] Wonju I one Inc Heitz Third Co Ltd [Member] Heitz Third Co Ltd Woorihansoop First Co Ltd [Member] Woorihansoop First Co Ltd Electric Cable First Co Ltd [Member] Electric Cable First Co Ltd Woori International First Co Ltd [Member] Woori International First Co Ltd Principle Guaranteed Trust [Member] Principle Guaranteed Trust Dongwoo First Securitization Specialty Co Ltd [Member] Dongwoo First Securitization Specialty Co Ltd TUTU FinanceWCI Myanmar Co Ltd [Member] TUTU FinanceWCI Myanmar Co Ltd Golden Bridge NHN Online Private Equity Investment [Member] Golden Bridge NHN Online Private Equity Investment Mirae Asset Maps Clean Water Private Equity Investment Trust Seventh [Member] Mirae Asset Maps Clean Water Private Equity Investment Trust Seventh Kiwoom Yonsei Private Equity Investment Trust [Member] Kiwoom Yonsei Private Equity Investment Trust Investments in subsidiaries joint ventures and associates [Member] Investments in joint ventures and associates Other liabilities including provision [Member] Other liabilities (including provisions) Accumulated other comprehensive income Beginning balance Ending balance Sub-total Amount recognised in other comprehensive income before application of Ifrs9 Disclosure of bond type hybrid securities of other equity interest classified as owner s equity [Abstract] Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items] Hybrid securities of other equity interest issuance date Issue date Maturity Hybrid securities of other equity interest maturity date Hybrid securities of other equity interest interest rate Interest rate (%) Description of nature of bond type hybrid securities of other equity interest classified as owners equity Reserve of gains and losses on remeasuring availableforsale financial assets Gain on valuation of available-for-sale financial assets Gain on valuation of AFS financial assets Share of other comprehensive loss of joint ventures and associates Accoumulated shares of other comprehensive income of associates and joint ventures Disclosure of initial application of standards or interpretations [Abstract] Disclosure of initial application of standards or interpretations [Table] Initially applied IFRSs [Axis] Initially applied IFRSs [Domain] Disclosure of initial application of standards or interpretations [Line Items] Title of initially applied IFRS Description of nature of change in accounting policy Reserve of exchange differences on translation Loss on foreign currencies translation of foreign operations Remeasurement loss related to defined benefit plan Remeasurement loss related to defined benefit plan Reserve of cash flow hedges Gain(loss) on valuation of cash flow hedges Treasury shares Treasury shares Disclosure of analysis of other comprehensive income by item [Abstract] Disclosure of analysis of other comprehensive income by item [Table] Reserve of gains and losses on remeasuring availableforsale financial assets [Member] Gain (loss) on valuation of available-for-sale financial assets Gain (loss) on available for sale financial assets Share of other comprehensive income (loss) of joint ventures and associates Reserve of gains and losses from investments in equity instruments [Member] Gain (loss) on valuation using the equity method of accounting Reserve of gains and losses on hedging instruments that hedge investments in equity instruments [Member] Loss on foreign currency translation of foreign operations Remeasurement gain (loss) related to defined benefit plan Remeasurement gain (loss) related to defined benefit liability [Member] Reserve of cash flow hedges [Member] Gain (loss) on valuation of cash flow hedges Disclosure of analysis of other comprehensive income by item [Line Items] Changes in accumulated other comprehensive income [Abstract] Reclassification adjustments Reclassification adjustments on financial assets measured at fair value through other comprehensive income before tax Income tax relating to components of other comprehensive income Income tax effect Less: Deferred tax charged directly to other comprehensive income Retained earnings accumulated deficit [Abstract] Retained earnings before appropriation Retained earnings unappropriated [Member] Disclosure of changes in retained earnings [Line Items] Changes in retained earnings [Abstract] Dividends paid to owners of parent Dividends on common stock Dividends on hybrid securities Dividends to hybrid securities of other equity interest Statutory reserve Legal Reserve Sub-total Voluntary reserve Voluntary reserve Sub-total Retained earnings unappropriated Retained earnings before appropriation Description of nature and purpose of legal reserves within equity Disclosure of transactions between related parties [Table] Categories of related parties [Axis] Entitys total for related parties [Domain] Related parties [Member] Joint control or significant influence [Member] Corporation that have significant influence over the group Associates [Member] Associates Key management personnel of entity or parent [Member] Disclosure of transactions between related parties [Line Items] Outstanding balances for related party transactions [Abstract] Loans and receivables gross amount related party transactions Loans Allowance for credit loss Allowances for loan losses related party transactions Other assets related party transactions Other assets Deposits due to customers Related party deposit liabilities Other liabilities related party transactions Other liabilities Related party transactions [Abstract] Interest income related party Interest income Interest expenses Interest expense related party Fee and commission income related party transactions Fees income Fees expenses Fee and commission expense related party transactions Impairment loss due to reversal and provision for credit loss related party transactions Impairment losses due to credit loss (reversal of allowance for credit loss) Other income Other operating income related party transactions Other operating expense related party transactions Other expenses Disclosure of outstanding commitments made by entity related party transactions [Abstract] Loan commitments to related parties Loan commitment Letter of credit and others to related parties Import credit in foreign currencies and others Provision for commitment letter of credits and others Payment guarantees to related parties Description of nature of related party relationship Description of changes of ownership interest of related party Description of other related parties with outstanding balances explanatory Description of other related parties with outstanding balances Disclosure of amounts incurred by entity for provision of key management personnel services provided by separate management entities [Abstract] Key management personnel compensation shortterm employee benefits Short term benefits Severance payments Key management personnel compensation postemployment benefits Name of reporting entity or other means of identification Name of reporting entity Description of nature of entitys operations and principal activities Change of holding company Information of listing on stock exchange market Information of listing on stock market Name of subsidiary Subsidiaries Address of registered office of entity Description of approval date of financial Statements Disclosure of significant investments in subsidiaries [Abstract] Disclosure of significant investments in subsidiaries [Table] Disclosure of significant investments and condensed financial information in subsidiaries [Line Items] Name of investor Investor Main business of subsidiary Main business Proportion of ownership interest in subsidiary Percentage of ownership Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power Explanation of newly added subsidiaries to consolidation Disclosure of condensed financial information of significant investments in subsidiaries [Abstract] Subsidiaries condensed financial information assets Assets Subsidiaries condensed financial information liabilities Liabilities Operating revenue Subsidiaries condensed financial information operating revenue Subsidiaries condensed financial information share of net income loss Net income (loss) attributable to owners Comprehensive income (loss) attributable to owners Subsidiaries condensed financial information share of comprehensive income Disclosure of information about unconsolidated subsidiaries [Abstract] Disclosure of information about unconsolidated subsidiaries [Table] Unconsolidated subsidiaries [Axis] Entitys total for unconsolidated subsidiaries [Domain] Disclosure of information about unconsolidated subsidiaries [Line Items] Country of incorporation or residence of subsidiary Location Main business of subsidiary non-consolidated Main business Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control Disclosure of unconsolidated structured entities [Abstract] Disclosure of unconsolidated structured entities [Table] Unconsolidated structured entities [Axis] Entitys total for unconsolidated structured entities [Domain] Unconsolidated structured entities [Member] Asset-backed financings [Member] Asset securitization vehicle Structured entity for the securitization of financial assets Investment funds [Member] Investment Funds Assets and liabilities [Axis] Assets and liabilities [Domain] Classes of assets [Domain] Available-for-sale securities [Member] Available-for-sale financial assets Held-to-maturity securities [Member] Held-to-maturity financial assets Disclosure of unconsolidated structured entities [Line Items] Assets of unconsolidated structured entities Total asset of the unconsolidated structured entities Assets recognized in the consolidated financial statements related to the unconsolidated structured entities Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities Maximum exposure to loss from interests in structured entities The maximum exposure to risks Maximum exposure to loss from interests in structured entities purchase and investment commitments Investments Maximum exposure to loss from interests in structured entities unused line of credit Credit facilities Maximum exposure to loss from interests in structured entities other commitments Other commitments Income from structured entities Loss recognized on unconsolidated structured entities Disclosure of information about interests in structured entity explanatory Disclosure of information about interests in structured entity Minority interest [Abstract] Minority interest [Table] Disclosure of significant investments in subsidiaries [Line Items] Date of authorisation for issue of financial statements2013 Description of approval date of financial statements Explanation of body of authorisation Description of functional currency Description of accounting policy for functional currency explanatory Description of accounting policy for functional currency Methods of translation used to determine supplementary information Explanation of measurement bases used in preparing financial statements Explanation of measurement bases used in preparing financial statements Description of expected impact of initial application of new standards or interpretations [Abstract] Description of expected impact of initial application of new standards or interpretations [Table] New IFRSs [Axis] New IFRSs [Domain] Description of expected impact of initial application of new standards or interpretations [Line Items] Title of new IFRS Description of nature of impending change in accounting policy Date by which application of new IFRS is required Date as at which entity plans to apply new IFRS initially Discussion of impact that initial application of IFRS is expected to have on financial statements Property plant and equipment subject to operating leases [Member] Leased assets Useful lives or depreciation rates property plant and equipment Useful Life for property plant and equipment Disclosure of intangible assets with indefinite useful life [Abstract] Disclosure of intangible assets with indefinite useful life [Table] Intangible assets with indefinite useful life [Axis] Intangible assets with indefinite useful life [Domain] Disclosure of intangible assets with indefinite useful life [Line Items] Description and carrying amount of intangible assets with indefinite useful life Useful Life for intangible assets Disclosure of business combinations [Table] Business combinations [Axis] Entitys total for business combinations [Domain] Name of acquiree Description of acquiree Percentage of voting equity interests acquired Description of primary reasons for business combination Description of how acquirer obtained control of acquiree Description of factors that make up goodwill recognised Acquisitiondate fair value of total consideration transferred [Abstract] Consideration transferred: Cash transferred Cash and Cash equivalents Other tangible or intangible assets transferred Equity interests of acquirer Fair value of the ownership interest held prior to the acquisition (*1) Number of instruments or interests issued or issuable Method of determining fair value of instruments or interests Acquisitiondate fair value of total consideration transferred Total amount of consideration Amounts recognised as of acquisition date for each major class of assets acquired and liabilities assumed [Abstract] Identifiable assets and liabilities recognized Cash and cash equivalents recognised as of acquisition date Cash and Cash equivalents Property plant and equipment recognised as of acquisition date Premises and equipment Identifiable intangible assets recognised as of acquisition date Intangible assets Other assets recognised as of acquisition date Other assets Business combination recognized identifiable assets acquired and liabilities assumed assets Asset total Deposits liabilities recognised as of acquisition date Deposits due to customers Borrowings recognised as of acquisition date Borrowings Deferred tax liabilities recognised as of acquisition date Deferred tax liabilities Other liabilities recognised as of acquisition date Other liabilities Business combination recognized identifiable assets acquired and liabilities assumed liabilities Liabilities total Identifiable assets acquired liabilities assumed Identifiable net fair value Noncontrolling interest in acquiree recognised at acquisition date III. Non-controlling interest Goodwill Goodwill Gain loss recognised as result of remeasuring to fair value equity interest in acquiree held by acquirer before business combination Gain or Loss on disposal of investment in joint ventures and associates Deferred tax assets and liabilities [Abstract] Deferred tax liability asset Net deferred tax assets Beginning balance Ending balance Net deferred tax assets Disclosure of deferred tax relating to items charged or credited directly to equity [Abstract] Gains losses on remeasuring availableforsale financial assets deferred tax relating to items charged or credited directly to equity Loss on valuation of AFS securities Share of other comprehensive income of associates and joint ventures accounted for using equity method deferred tax relating to items charged or credited directly to equity Share of other comprehensive gain (loss) of joint ventures and associates Other comprehensive income exchange differences on translation deferred tax relating to items charged or credited directly to equity Foreign currency translation of foreign operations Other comprehensive income gains losses on remeasurements of defined benefit plans deferred tax relating to items charged or credited directly to equity Remeasurements of the net defined benefit liability Deferred tax relating to items charged or credited directly to equity Total Recognized as other comprehensive income (expense) Deferred tax charged directly to equity Current tax expense income and adjustments for current tax of prior periods [Abstract] Current tax expense Current tax expense income Current tax expense in respect of the current year Adjustments for current tax of prior period Adjustments recognized in the current period in relation to the current tax of prior periods Current tax expense income and adjustments for current tax of prior periods Sub total Deferred tax expense income [Abstract] Deferred tax expense Deferred tax relating to items credited (charged) directly to equity Deferred tax assets(liabilities) relating to the origination and reversal of temporary differences Deferred tax expense income recognised in profit or loss Sub total Recognized as income (expense) Total tax expense (income) Income tax expense Tax expense relating to gain loss on discontinuance Income tax benefit for discontinued operations Reconciliation of accounting profit multiplied by applicable tax rates [Abstract] Tax expense income at applicable tax rate Tax calculated at statutory tax rate Effect of income that is exempt from taxation Tax effect of revenues exempt from taxation2011 Effect of income that is exempt from taxation Tax effect of expense not deductible in determining taxable profit tax loss Effect of expense that is not deductible in determining taxable profit Other tax effects for reconciliation between accounting profit and tax expense income Others Adjustments for reconciliation of accounting profit multiplied by applicable tax rates Sub total Effective tax rate Average effective tax rate Description of applicable tax rate by taxable income Disclosure of temporary difference unused tax losses and unused tax credits [Abstract] Disclosure of temporary difference unused tax losses and unused tax credits [Table] Temporary difference unused tax losses and unused tax credits [Axis] Temporary difference unused tax losses and unused tax credits [Domain] Provision for loan losses Allowance for credit losses [Member] Other temporary differences [Member] Others Disclosure of temporary difference unused tax losses and unused tax credits [Line Items] Reconciliation of changes in deferred tax liability asset [Abstract] Changes in deferred tax liability asset [Abstract] Deductible temporary differences for which no deferred tax asset is recognised Deductible temporary differences Unused tax losses Unused tax losses for which no deferred tax asset recognised Description of nature and purpose of voluntary reserves within equity Depreciation expense investment property Depreciation on investment properties Depreciation on investment properties Information about contingent liabilities that disclosure is not practicable Description of gain related to litigation settlement Woori HJ First Co Ltd Woori HJ First Co Ltd [Member] Description of entity incorporation Information of subsidiaries incorporated Information of incorporated subsidiaries Description of additional information of branches and offices Description of additional information of number of branches and offices Principle and interest guaranteed trust [Member] Principle and Interest Guaranteed Trust Money trust under the trust business act [Member] Money trust under the FISCM Act Structured entity for the securitization of financial assets [Member] Structured entity for the securitization of financial assets Security investments structured entity [Member] Security investments structured entity Significant investments in subsidiaries [Abstract] Material non-controlling interests Accumulated non-controlling interests Net income attributable to non-controlling interests Profit loss attributable to material non-controlling interests Dividends paid to material non-controlling interests Dividends to non-controlling interests Dividends recognised as distributions to owners of parent Dividends recognised as distributions to owners per share Dividend paid per share Amounts receivable key mangement personnel Outstanding receivables from transaction with key management Outstanding payables from transaction with key management Amounts payable key mangement personnel Description of nature of key management personnel Korean treasury and government agencies bonds Korea treasury and government debt securities [Member] Certificates of deposit [Member] Certificate of deposits Description of other regulatory limitations Mutual Fund [Member] Mutual funds Associated liabilities that entity continues to recognise Related liabilities Classes of assets [Axis] Other assets [Member] Non-controlling interests Statutory reserve [Member] Legal reserve Legal reserve [Member] Earned surplus reserve Structured finance [Member] Structured finance Structured entity for the investments in securities Other related parties [Member] Others Financial assets of debt securities by credit risks Total Securities [Member] Securities Financial assets measured at fair value Total Total Financial liabilities measured at fair value Description of nature of financial statements Date of end of reporting period 2013 Date of end of reporting period Period covered by financial statements Description of presentation currency Level of rounding used in financial statements Share of losses of investments in joint ventures and associates Adjustments for loss on valuation of investment in associates and joint ventures accounted for using equity method Adjustments for postemployment benefit expense defined benefit plans Retirement benefits Profit (loss), attributable to non-controlling interests Net Income (loss) attributable to non-controlling interests Profit (loss) from continuing operations attributable to non-controlling interests Income from continuing operations Loss from discontinued operations Profit (loss) from discontinued operations attributable to non-controlling interests Explanation of not applied new standards or interpretations Derivative financial instruments assets and receivable spot exchange [Member] Derivative financial instruments liabilities and payable spot exchange [Member] Total Key management personnel compensation Name of parent entity Description of rating agencies used Amount of litigation sought as plaintiff Amount of litigation as plaintiff Others [Member] Others Disclosure of derecognition and offsetting of financial assets and liabilities [Abstract] Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items] Disclosure of derecognition and offsetting of financial assets and liabilities Disclosure of day one profit or loss Gains (losses) on financial assets at fair value through other comprehensive income and available-for-sale financial assets Reconciliation of assets and liabilities from segment to consolidated [Table Text Block] Reconciliation from net assets of investments in associates and joint ventures accounted for using equity method to book value [Table Text Block] Schedule of var by subsidiary Value at risk analysis for trading activities Due from banks in foreign currencies Foreign Currencies Others [Member] Others Financial instruments owned and pledged as collateral [Domain] Receivable type [Domain] Woori WEBST First Co Ltd [Member] Woori WEBST First Co Ltd HNLD First Inc [Member] HNLD First Inc Wibihansoop First Co Ltd [Member] Wibihansoop First Co Ltd Uri QS First Co Ltd [Member] Uri QS First Co Ltd Uri Display First Co Ltd [Member] Uri Display First Co Ltd Tiger Eyes Second Co Ltd [Member] Tiger Eyes Second Co Ltd Woori Serveone First Co Ltd [Member] Woori Serveone First Co Ltd Seari First Securitization Specialty Co Ltd [Member] Seari First Securitization Specialty Co Ltd Namjong First Securitization Specialty Co Ltd [Member] Namjong First Securitization Specialty Co Ltd Bukgeum First Securitization Specialty Co Ltd [Member] Bukgeum First Securitization Specialty Co Ltd Woori Card one of 2017 1 Securitization Specialty Co Ltd [Member] Woori Card one of 2017-1 Securitization Specialty Co Ltd Woori Card one of 2017 2 Securitization Specialty Co Ltd [Member] Woori Card one of 2017-2 Securitization Specialty Co Ltd Date of end of reporting period of financial statements of subsidiary Date of Financial statements Hana Walmart Real Estate Investment Trust 41 1 [Member] Hana Walmart Real Estate Investment Trust 41-1 IGIS Global Private Placement Real Estate Fund No 148 1 [Member] IGIS Global Private Placement Real Estate Fund No. 148-1 IGIS Global Private Placement Real Estate Fund No 148 2 [Member] IGIS Global Private Placement Real Estate Fund No. 148-2 Disclosure of voluntary change in accounting policy [Abstract] Disclosure of voluntary change in accounting policy [Table] Voluntary changes in accounting policy [Axis] Voluntary changes in accounting policy [Domain] Disclosure of voluntary change in accounting policy [Line Items] Description of nature of voluntary change in accounting policy Description of reasons why applying new accounting policy provides reliable and more relevant information Description of fact that impact of initial application of new IFRS is not known or reasonably estimable Disclosure of reconciliation of liabilities arising from financing activities [Abstract] Disclosure of reconciliation of liabilities arising from financing activities [Table] Liabilities arising from financing activities [Axis] Liabilities arising from financing activities [Domain] Disclosure of reconciliation of liabilities arising from financing activities [Line Items] Liabilities arising from financing activities at beginning of period January 1,2017 December 31,2017 Changes in liabilities arising from financing activities [Abstract] Increase (decrease) through financing cash flows, liabilities arising from financing activities Cash flow Increase (decrease) through effect of changes in foreign exchange rates, liabilities arising from financing activities Foreign Exchange Increase (decrease) through changes in fair values, liabilities arising from financing activities Variation of gains on valuation of hedged items Increase (decrease) through other changes, liabilities arising from financing activities Others Jiwon Plating Co Ltd [Member] Jiwon Plating Co Ltd Cultizm Korea LTD Co Ltd [Member] Cultizm Korea LTD Co Ltd Gil Co Ltd [Member] Gil Co Ltd Smart Private Equity Fund No 2 [Member] Smart Private Equity Fund No.2 Woori Bank Company K Korea Movie Asset Fund [Member] Woori Bank-Company K Korea Movie Asset Fund Well to Sea No 3 Private Equity Fund [Member] Well to Sea No.3 Private Equity Fund Nomura Rifa Private Real Estate Investment Trust No 17 [Member] Nomura-Rifa Private Real Estate Investment Trust No.17 Description Of Main Business Of Associates And Joint Ventures Main business Fair value of investments in associates for which there are quoted market prices Unrecognised share of losses of associates Investments accounted for using equity method Beginning Ending Book value Investments in joint ventures and associates CL Tech Co Ltd [Member] CL Tech Co Ltd Protronics Co Ltd [Member] Protronics Co Ltd Instern Co Ltd [Member] Instern Co Ltd Disposals Investment Property Disposal Decrease through classified as held for sale investment property Classified to assets held for sale Increase decrease through transfers intangible assets and goodwill Transfer Increase (decrease) through other changes, intangible assets and goodwill Others Assets And Liabilities Classified As Held For Sale [Table] Assets And Liabilities Classified As Held For Sale [Axis] Non-current assets held for sale [Domain] Investments in subsidiaries and associates of held for sale [Member] Investments in joint ventures and associates Premises and equipment of held for sale [Member] Premises and equipment Noncurrent assets or disposal groups classified as held for sale [Line Items] Borrowings from Small Enterprise And Market Service and others [Member] Small Enterprise And Market Service and others Description Of changes in numbers of issued shares of common stock Hybrid securities of other equity interest in foreign currency issued in 201701 [Member] Hybrid securities of other equity interest in foreign currency issued in 201701 Amount recognised in other comprehensive income and accumulated in equity relating to non-current assets or disposal groups held for sale Equity related to non-current assets held for sale Reserve of exchange differences on translation [Member] Gain (loss) on foreign currency translation of foreign operations Amount recognised in other comprehensive income and accumulated in equity relating to non-current assets or disposal groups held for sale [Member] Transfer to non-current assets held for sale Debt securities [Member] Held-to-maturity financial assets (Debt securities) Debt securities Guarantees [Member] Guarantees Interest rate option [Member] Interest rate options Cash Flow Hedge Derivative Instrument Assets at Fair Value Derivative assets for cash flow hedge Fair Value Hedge Assets Derivative assets for fair value hedge Cash Flow Hedge Derivative Instrument Liabilities at Fair Value Derivative liabilities for cash flow hedge Fair Value Hedge Liabilities Derivative liabilities for fair value hedge Other comprehensive income gains losses on valuation of cash flow hedges deferred tax relating to items charged or credited directly to equity Gain (loss) on cash flow hedge Adjustments for gain on valuation of financial instruments at fair value through profit or loss in accordance with IFRS 9 Gain on valuation of financial assets at FVTPL (IFRS 9) Gain on available-for-sale financial assets Gain on AFS financial assets Proceeds from sales of investments accounted for using equity method Disposal of subsidiaries Commercial Real Estate [Member] Land and building Purchase of treasury shares Volatility of real estate sale price unobservable inputs financial instruments Volatility of real estate sale price Discount rate of lease cash flow and others unobservable inputs financial instruments Discount rate Proportion of ownership of entities excluded from associates and joint ventures Ownership Proportion of ownership of entities excluded from associates and joint ventures Assets and liabilities not classified as held for sale [Domain] Assets and liabilities classified as held for sale [Member] Entity's total for internal credit grades [Domain] Entity's total for external credit grades [Domain] Deferred tax expense (income) Sub total Deferred tax charged directly to other comprehensive income Total Cash and cash equivalents classified as part of disposal group held for sale Cash and cash equivalents Disposal Group Held For Sale And Net Income (Loss) From Discontinued Operations Credit risk exposure by geographical areas Acquisition accounting of business combination [Table Text Block] Unconsolidated companies with more than 50 Percent ownership interests Condensed financial information of significant investments in subsidiaries Summarized financial information before elimination of intercompany transactions of the subsidiaries Liability adjustments from financing activities Disclosure of reconciliation of liabilities arising from financing activities [Text block] Proceeds from Issuance of Debt Issuances Repayments of Debt Redemption Tax effect from change in tax rate Effect on deferred tax balances due to the change in income tax rate from 24.2% to 27.5% (effective January 1, 2018) Currency [Axis] Service [Member] Service Construction Construction [Member] Other bond securities [Member] Others Financial assets at fair value through profit or loss in accordance with IAS 39 Financial assets at FVTPL (IAS 39) Financial assets at fair value through other comprehensive income Beginning balance Ending balance Financial assets at FVTOCI Securities of financial assets at amortised cost Securities at amortized cost Financial liabilities at fair value through profit or loss in accordance with IAS 39 Financial liabilities at FVTPL in accordance with IAS 39 Assets (liabilities) of benefit plan Net Defined benefit liabilities Interest income for financial assets at fair value through profit or loss Interest income on financial assets at fair value through profit or loss (IFRS 9) Financial assets at FVTPL (IFRS 9) Interest revenue for financial assets measured at fair value through other comprehensive income Interest income on financial assets at fair value through other comprehensive income Financial assets at FVTOCI Interest revenue for financial assets measured at amortised cost Interest income on financial assets at amortized cost Gains (losses) on financial assets liabilities at fair value through profit or loss in accordance with IAS 39 Total Gain (loss) on financial instruments at fair value through profit or loss (IAS 39) Gains (losses) on financial assets measured at fair value through other comprehensive income, before tax Net gain (loss) on financial assets at fair value through other comprehensive income Increase (decrease) on valuation Total Gains (losses) on available-for-sale financial assets Net gain (loss) on available-for-sale financial assets Total Gains (losses) on financial assets at amortised cost Net gain (loss) on financial assets at amortized cost Other comprehensive income [abstract] Other comprehensive income, net of tax, gains (losses) from investments in equity instruments Net gain on equity securities of financial assets measured at fair value through other comprehensive income, net of tax Other comprehensive income, net of tax, change in fair value of financial liability attributable to change in credit risk of liability Net gain on valuation of financial liabilities designated as at FVTPL due to own credit risk Gains (losses) on financial assets measured at fair value through other comprehensive income, net of tax Gain (loss) on valuation of financial liabilities at fair value through other comprehensive income Net gain on valuation of debt securities at FVTOCI Share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss, net of tax Share of other comprehensive gain (loss) of joint ventures and associates Increase (decrease) in equity due to changes in accounting policy IFRS 9 Cumulative effect of changes in accounting policy Equity adjusted for initially applied IFRS 9 Adjusted balance, beginning of period Dividends paid, ordinary shares Dividends to common stocks Dividend paid Amounts removed from equity and adjusted against fair value of financial assets on reclassification out of fair value through other comprehensive income measurement category, net of tax Changes in other comprehensive income due to disposal of equity securities at FVTOCI Increase (decrease) through appropriation of retained earnings, equity Appropriation of retained earnings Adjustments for loss on financial assets at fair value through other comprehensive income Loss on financial assets at FVTOCI Adjustments for loss on disposal of investment in associates and joint ventures accounted for using equity method Loss on disposal of investments in joint ventures and associates Impairment loss recognised in profit or loss, property, plant and equipment Impairment loss on premises and equipment and other assets Adjustments for gain on financial assets at fair value through other comprehensive income Gain on financial assets at FVTOCI Adjustments for gain on disposal of financial instruments at amortised cost Gain on disposal of securities at amortized cost Adjustments for decrease (increase) in financial instruments at fair value through profit or loss in accordance with IFRS 9 Financial assets at FVTPL (IFRS 9) Financial assets at FVTPL (IFRS 9) Adjustments for decrease (increase) in financial instruments at fair value through profit or loss in accordance with IAS 39 Financial assets at FVTPL (IAS 39) Financial assets at FVTPL (IAS 39) Adjustments for decrease (increase) in loans and other financial assets at amortised cost Loans and other financial assets at amortized cost Loans and other financial assets at amortized cost Increase (decrease) in working capital Changes in operating assets and liabilities (sub-total) Proceeds from disposal of financial assets at fair value through profit or loss Disposal of financial assets at FVTPL (IFRS 9) Proceeds from disposal of financial assets at fair value through other comprehensive income Disposal of financial assets at FVTOCI Proceeds from disposal of financial assets at amortised cost Redemption of securities at amortized cost Proceeds from investing activities Cash in-flows from investing activities (sub-total) Payments for acquisition of financial assets at fair value through profit or loss Acquisition of financial assets at fair value through profit or loss (IFRS 9) Acquisition of financial assets at FVTPL (IFRS 9) Payments for acquisition of financial assets at fair value through other comprehensive income Acquisition of financial assets at fair value through other comprehensive income Acquisition of financial assets at FVTOCI Cash out-flows from investing activities (sub-total) Proceeds for investing activities Cash flows from financing activities [Abstract] Cash in-flows from financing activities [Abstract] Cash flows from financing activities Cash in-flows from financing activities (sub-total) Cash flows used in financing activities [Abstract] Cash out-flows from financing activities [Abstract] Cash flows used in financing activities Cash out-flows from financing activities (sub-total) Financial assets at fair falue through other comprehensive income and available-for-sale financial assets [Abstract] Available For Sale Financial Assets Loans and other financial assets at amortized cost and loans and receivables Proceeds from investing activities [Abstract] Cash in-flows from investing activities [Abstract] Payments for investing activities [Abstract] Cash out-flows from investing activities [Abstract] Derivative financial assets Derivative financial liabilities Investments in associates accounted for using equity method Disclosure of initial application of standards or interpretations [text block] Newly adopted amendments to IFRS that affected Group's accounting policies Disclosure of interim financial reporting [Text Block] Significant accounting estimates and assumptions for preparation of the Interim financial statements Disclosure of financial assets liabilities at date of initial application of IFRS 9 explanatory Classification and measurement Explanation of initial application of impairment requirements for financial instruments [text block] Impairment of financial assets Explanation of inputs, assumptions and estimation techniques used to apply impairment requirements [text block] Three stages of credit risk deterioration since initial recognition Analysis of credit quality of loans and receivables by method of assessment of expected credit losses The maximum exposure to credit risk of loans and receivables Disclosure of exposure to credit risk on loan commitments and financial guarantee contracts Credit quality of guarantees and loan commitments Schedule of financial assets at fair value through profit or loss and financial assets held for trading Financial assets at fair value through profit or loss and financial assets held for trading Disclosure of financial assets designated at fair value through profit or loss Financial assets designated at fair value through profit or loss Disclosure of financial assets at fair value through other comprehensive income and available for sale financial assets Details of financial assets at fair value through other comprehensive income and available for sale financial assets Disclosure of equity instruments designated as financial assets at fair value through other comprehensive income Details of equity securities designated as financial assets at fair value through other comprehensive income Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial assets at fair value through other comprehensive income Changes in loss allowance and gross carrying amount of financial assets at fair value through other comprehensive income Schedule of loans and other financial assets at amortized cost and loans and receivables Details of loans and other financial assets at amortized cost and loans and receivables Disclosure of reconciliation of changes in loss allowance for due from banks Changes in loss allowance of due from banks Disclosure of explanation of changes in gross carrying amount for due from banks Changes in gross carrying amount of due from banks Disclosure of reconciliation of changes in loss allowance for loans Changes in loss allowance of loans Reconciliation of changes in allowance account for credit losses of loans and receivables Changes in allowance for credit losses of loans and receivables Disclosure of explanation of changes in gross carrying amount for loans Changes in gross carrying amount of loans Disclosure of reconciliation of changes in loss allowance for other receivables Changes in loss allowance of other receivables Disclosure of explanation of changes in gross carrying amount for other receivables Changes in gross carrying amount of other receivables Disclosure of categories of financial assets Disclosure of categories of financial liabilities Schedule of financial liabilities at fair value through profit or loss designated as upon initial recognition and financial liabilities designated at fair value through profit or loss Details of financial liabilities at fair value through profit or loss designated as upon initial recognition and financial liabilities designated at fair value through profit or loss Reconciliation of changes in provision on guarantee Changes in provisions on guarantee Reconciliation of changes in provision on loan commitments Changes in provisions on loan commitments Reconciliation of changes in provision on other obligations Changes in other obligation Disclosure of nominal amount of hedging instrument Details of nominal amounts of the hedging instrument Disclosure of average rate of hedging instrument Details of average interest rate and average currency rate of the hedging instrument Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [text block] Details of amounts related to items designated as heding instruments Disclosure of detailed information about hedged items [text block] Details of carrying amount to hedge and amount due to hedge accounting Disclosure of gains (losses) on financial assets at fair value through other comprehensive income and available-for-sale financial assets Details of Gains (Losses) on financial assets at fair value through other comprehensive income and available-for-sale financial assets Changes in payables due to intangible assets Changes in intangible assets related to accounts payable Financial assets at fair value through other comprehensive income repurchase agreement category [Member] Financial assets at FVTOCI Securities at amortized cost Securities financial assets at amortised cost category [Member] Financial assets at fair value through other comprehensive income, category [Member] Financial assets at FVTOCI Entity that securities loaned to Loaned to Loans and other financial assets at amortised cost categoryt [Member] Loans and other financial assets at amortized cost Due from banks on time in local currency of loans and other financial assets at amortised cost [Member] Due from banks on time in local currency Due from banks in local currency of loans and other financial assets at amortised cost [Member] Due from banks in local currency Due from banks in foreign currencies of loans and other financial assets at amortised cost [Member] Due from banks in foreign currencies Korean financial institutions debt securities and others of financial assets at fair value through profit or loss category [Member] Korean financial institutions debt securities and others Korean debt securities corporate bonds of financial assets at fair value through other comprehensive income category [Member] Korean treasury and corporate bonds Korean treasury and government agencies bonds and others of financial assets at fair value through other comprehensive income category [Member] Korean treasury and government agencies bonds and others Securities at amortised cost category [Member] Securities at amortized cost Korean treasury and government agencies bonds of securities of financial assets at amortised cost [Member] Korean treasury and government agencies bonds Korean financial institutions debt securities and others of securities of financial assets at amortised cost [Member] Korean financial institutions debt securities and others Due from banks on time in local currency of loans and receivables category [Member] Due from banks on time in local currency Due from banks in local currency of loans and receivables category [Member] Due from banks in local currency Due from banks in foreign currencies of loans and receivables category [Member] Due from banks in foreign currencies Financial assets at fair value through profit or loss in accordance with IAS 39 category [Member] Financial assets at FVTPL Korean financial institutions debt securities and others of financial assets at fair value through profit or lossn accordance with IAS 39 categoryI [Member] Korean financial institutions debt securities and others Korean debt securities corporate bonds of financial assets available-for-sale category [Member] Korean treasury and corporate bonds Korean treasury and government agencies bonds and others of financial assets available-for-sale category [Member] Korean treasury and government agencies bonds and others Korean treasury and government agencies bonds of held to maturity investments category [Member] Korean treasury and government agencies bonds Korean financial institutions debt securities and others of held to maturity investments category [Member] Korean financial institutions debt securities and others Description of nature of collateral provided to name of counterparty Collateral given to Industrial and financial debt securities and others [Member] Industrial and financial debt securities and others Korean treasury, corporate bonds and others Financial liabilities at fair value through profit or loss classified as held for trading in accordance with IAS 39 Financial liabilities held for trading Financial liabilities at fair value through profit or loss designated as uponInitial recognition in accordance with IAS 39 Financial liabilities designated at FVTPL (IAS 39) Carrying amount Financial liabilities designated as at FVTPL (IAS39) Borrowings from JP Morgan Chase Bank [Member] JP Morgan Cash flow hedged amount of debentures Reserve of gains and losses on financial assets measured at fair value through other comprehensive income Net gain or loss on valuation of financial assets at FVTOCI Reserve of change in fair value of financial liability attributable to change in credit risk of liability Gain(loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk Reserve of gains and losses on financial assets measured at fair value through other comprehensive income [Member] Net gain or loss on valuation of financial assets at FVTOCI Reserve of change in fair value of financial liability attributable to change in credit risk of liability [Member] Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk Dividends paid, ordinary shares per share Dividend paid per share Interest income on financial assets at fair value through profit or loss in accordance with IAS 39 Financial assets at FVTPL (IAS 39) Interest income for securities at amortised cost Securities at amortized cost Interest income for loans and other financial assets measured at amortised cost [Abstract] Financial assets at amortized cost: Interest income for due from banks measured at amortised cost Interest on due from banks Interest income for loans measured at amortised cost Interest on loans Interest income for other receivables measured at amortised cost Interest of other receivables Interest income for loans and other financial assets measured at amortised cost Sub-total Dividend income from financial assets at fair value through profit or loss in accordance with IAS 39 Dividend from financial assets at FVTPL (IAS 39) Dividend income from financial assets measured at fair value through other comprehensive income Dividend from financial assets FVTOCI Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Abstract] Dividends recognised for investments in equity instruments designated at fair value through other comprehensive income, held at end of reporting period Dividend income recognized from assets held equity securities Dividends recognised for investments in equity instruments designated at fair value through other comprehensive income, derecognised during period Dividend income recognized in assets derecognized Dividends recognised for investments in equity instruments designated as measured at fair value through other comprehensive income Total Provision for credit loss on loans and other financial assets at amortized cost Provision for credit loss on loans and other financial assets at amortized cost Provision for credit loss on loans and other financial assets at amortized cost Tax expense (income) relating to changes in accounting policies and errors included in profit or loss Others (tax effect charged directly to equity due to the adoption of IFRS 9) Gains (losses) on remeasuring financial assets measured at fair value through other comprehensive income deferred tax relating to items charged or credited directly to equity Net gain on valuation of financial assets at FVTOCI Equity investments [Member] Capital contributions Financial assets at fair value through profit or loss, mandatorily measured at fair value Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) Financial assets at fair value through profit or loss designated as upon initial recognition in accordance with IAS 39 Financial assets designated at FVTPL (IAS 39) Financial assets at fair value through other comprehensive income [Abstract] Financial assets at fair value through other comprehensive income [Table] Securities lending of fair value through other comprehensive income [Member] Securities loaned Equity securities of fair value through other comprehensive income [Member] Equity securities Disclosure of financial assets at fair value through other comprehensive income [Line Items] Financial assets measured at fair value through other comprehensive income Available-for-sale financial assets Ending balance Beginning balance Investments in equity instruments designated at fair value through other comprehensive income Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Table] Investments in equity instruments designated at fair value through other comprehensive income [Axis] Investments in equity instruments designated at fair value through other comprehensive income [Domain] Purpose of acquisition of investments in equity instruments measured at fair value through other comprehensive income Reason for using presentation alternative investiment policy of investments in equity instruments measured at fair value through other comprehensive income [Member] Strategic business partnership Reason for using presentation alternative debt to equity swap of investments in equity instruments measured at fair value through other comprehensive income [Member] Debt-equity swap Reason for using presentation alternative other reason of investments in equity instruments measured at fair value through other comprehensive income [Member] Others Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Line Items] Description of reason for using presentation alternative Description of reason for disposing of investments in equity instruments designated at fair value through other comprehensive income Fair value of investments in equity instruments designated at fair value through other comprehensive income at date of derecognition Cumulative gain (loss) on disposal of investments in equity instruments designated at fair value through other comprehensive income Loss on disposal of equity securities at FVTOCI Conversion of loss on disposal of equity securities at FVTOCI to retained earnings Disclosure of reconciliation of changes in loss allowance for financial assets at fair value through other comprehensive income [Abstract] Disclosure of reconciliation of changes in loss allowance for financial assets at fair value through other comprehensive income [Table] Type of measurement of expected credit losses [Axis] Type of measurement of expected credit losses [Domain] 12-month expected credit losses [Member] Stage 1 Lifetime expected credit losses [Member] Lifetime expected credit losses Financial instruments not credit-impaired [Member] Stage 2 Financial instruments credit-impaired [Member] Stage 3 Disclosure of reconciliation of changes in loss allowance for financial assets at fair value through other comprehensive income [Line Items] Impairment (loss) financial assets at financial assets at fair value through other comprehensive income Beginning balance Ending balance Increase (decrease) in impairment loss financial assets at financial assets at fair value through other comprehensive income [Abstract] Increase (decrease) of loss allowance through transfer to financial assets at fair value through other comprehensive income with credit measurement of twelve-month expected credit losses Transfer to 12-month expected credit losses Increase (decrease) of loss allowance through transfer to financial assets at fair value through other comprehensive income with credit measurement of lifetime expected credit losses of financial instruments not credit impaired Transfer to lifetime expected credit losses Impairment loss reversal of impairment loss recognised in profit or loss financial assets at fair value through other comprehensive income Reversal of credit loss on financial assets at financial assets at FVTOCI Reversal of credit loss on financial assets at financial assets at FVTOCI Increase (decrease) of loss allowance through transfer to financial assets at fair value through other comprehensive income with credit measurement of lifetime expected credit losses of financial instruments credit impaired Transfer to credit impaired financial assets Increase (decrease) of loss allowance through foreign exchange and other movements financial assets at fair value through other comprehensive income Other increase (decrease) Explanation of changes in carrying amount for financial assets at fair value through other comprehensive income [Abstract] Explanation of changes in carrying amount for financial assets at fair value through other comprehensive income [Table] Explanation of changes in gross carrying amount for financial assets at fair value through other comprehensive income [Line Items] Increase (decrease) in financial assets [Abstract] Increase (decrease) through transfer to financial assets at fair value through other comprehensive income with credit measurement of twelve-month expected credit losses Transfer to 12-month expected credit losses Increase (decrease) through transfer to financial assets at fair value through other comprehensive income with credit measurement of lifetime expected credit losses of financial instruments not creditimpaired Transfer to lifetime expected credit losses Increase (decrease) through transfer to financial assets at fair value through other comprehensive income with credit measurement of lifetime expected credit losses of financial instruments creditimpaired Transfer to credit impaired financial assets Increase through origination or purchase financial assets at fair value through other comprehensive income Acquisition Decrease through derecognition financial assets at fair value through other comprehensive income Disposal and Redemption Changes in fair value of financial assets at fair value through other comprehensive income Gain (loss) on valuation Decrease through amortisation calculated using effective interest method of financial assets at fair value through other comprehensive income Amortization on the effective interest method Increase (decrease) through foreign exchange and other movements financial assets at fair value through other comprehensive income Other increase (decrease) Disclosure of reconciliation of changes in loss allowance for securities at amortised cost [Abstract] Disclosure of reconciliation of changes in loss allowance for securities at amortised cost [Table] Disclosure of reconciliation of changes in loss allowance for securities at amortised cost [Line Items] Impairment loss securities at amortised cost Beginning balance Ending balance Increase (decrease) in impairment loss securities at amortised cost [Abstract] Increase (decrease) of loss allowance through transfer to securities at amortised cost with credit measurement of twelve-month expected credit losses Transfer to 12-month expected credit losses Increase (decrease) of loss allowance through transfer to securities at amortised cost with credit measurement of lifetime expected credit losses of financial instruments not creditimpaired Transfer to lifetime expected credit losses Increase (decrease) of loss allowance through transfer to securities at amortised cost with credit measurement of lifetime expected credit losses of financial instruments creditimpaired Transfer to credit-impaired financial assets Impairment loss reversal of impairment loss recognised in profit or loss securities at amortised cost Reversal of credit loss on securities at amortized cost losses Reversal of credit loss on securities at amortized cost losses Decrease through derecognition securities at amortised cost Derecognition Disposal and Redemption Increase (decrease) through foreign exchange and other movements securities at amortised cost Other increase (decrease) Explanation of changes in gross carrying amount for securities at amortised cost [Abstract] Explanation of changes in gross carrying amount for securities at amortised cost [Table] Explanation of changes in gross carrying amount for securities at amortised cost [Line Items] Gross carrying amount of securities at amortised cost Beginning balance Ending balance Increase (decrease) through transfer to securities at amortised cost with credit measurement of twelve-month expected credit losses Transfer to 12-month expected credit losses Increase (decrease) through transfer to securities at amortised cost with credit measurement of lifetime expected credit losses of financial instruments not creditimpaired Transfer to lifetime expected credit losses Increase (decrease) through transfer to securities at amortised cost with credit measurement of lifetime expected credit losses of financial instruments creditimpaired Transfer to credit impaired financial assets Increase through origination or purchase securities at amortised cost Acquisition Decrease through amortisation calculated using effectiveInterest method of securities at amortised cost Amortization on the effective interest method Other receivables Provision for credit loss on loans and other financial assets at amortized cost Other financial assets (other receivables) Net addtional provision unused provision reversed of payment guarantee Reversal of provision on (provision for) guarantees Loans and other financial assets at amortized cost Total Disclosure of reconciliation of changes in loss allowance for due from financial institutions [Abstract] Disclosure of reconciliation of changes in loss allowance for due from financial institutions [Table] Reconciliation of changes in loss allowance for due from financial institutions [Line Items] Impairment loss due from financial institutions Beginning balance Ending balance Increase (decrease) in impairment loss due from financial institutions [Abstract] Increase (decrease) of loss allowance through transfer to due from financial institutions with credit measurement of twelve-month expected credit losses Transfer to 12-month expected credit losses Increase (decrease) of loss allowance through transfer to due from financial institutions with credit measurement of lifetime expected credit losses of financial instruments not creditimpaired Transfer to lifetime expected credit losses Increase (decrease) of loss allowance through transfer to due from financial institutions with credit measurement of lifetime expected credit losses of financial instruments creditimpaired Transfer to credit impaired financial assets Impairment loss reversal of impairment loss recognised in profit or loss due from financial institutions Net provision of loss allowance Increase (decrease) of loss allowance through foreign exchange and other movements on due from financial institutions Others Reconciliation of changes in gross carrying amount of due from financial institutions [Abstract] Changes in gross carrying amount of due from financial institutions [Table] Reconciliation of changes in gross carrying amount of due from financial institutions [Line Items] Gross carrying amount of due from financial institutions Beginning balance Ending balance Changes in gross carrying amount of due from financial institutions [Abstract] Transfer to twelve-month expected credit losses of gross carrying amount of due from financial institutions Transfer to 12-month expected credit losses Transfer to lifetime expected credit losses of gross carrying amount of due from financial institutions Transfer to lifetime expected credit losses Transfer to credit impaired financial assets of gross carrying amount of due from financial institutions Transfer to credit-impaired financial assets Increase (decrease) through origination purchase derecognition gross carrying amount of due from financial institutions Net increase Increase (decrease) throughForeign exchange and other movements gross carrying amount of due from financial institutions Others Transfer to twelve-month expected credit losses of allowance account for credit losses of loans Transfer to 12-month expected credit losses Transfer to lifetime expected credit losses of allowance account for credit losses of loans Transfer to lifetime expected credit losses Transfer to credit impaired financial assets of allowance account for credit losses of loans Transfer to credit-impaired financial assets Increase (decrease) through sales or repurchase allowance account for credit losses of financial assets Disposal Additional allowance recognised in profit or loss allowance account for credit losses of loans and receivables Net reversal of provision (net provision) Reversal allowance account for credit losses of loans and receivables Recoveries of written off loans Utilisation allowance account for credit losses of loans and receivables Charge off Decrease through disposal allowance account for credit losses of loans and receivables Sales of loans and receivables Increase (decrease) through adjustments arising from passage of time allowance account for credit losses of loans and receivables Unwinding effect Increase (decrease) through other changes allowance account for credit losses of loans and receivables Others Reconciliation of changes in gross carrying amount of loans [Abstract] Changes in gross carrying amount of loans [Table] Reconciliation of changes in gross carrying amount of loans [Line Items] Changes in gross carrying amount of loans [Abstract] Transfer to twelve-month expected credit losses of gross carrying amount of loans Transfer to 12-month expected credit losses Transfer to lifetime expected credit losses of gross carrying amount of loans Transfer to lifetime expected credit losses Transfer to credit impaired financial assets of gross carrying amount of loans Transfer to credit-impaired financial assets Utilisation gross carrying amount of loans Charge off Decrease through disposal gross carrying amount of loans Disposal Increase (decrease) through other changes gross carrying amount of loans Net increase (decrease) Reconciliation of changes in allowance account for credit losses of other receivables [Abstract] Changes in allowance account for credit losses of other receivables [Table] Reconciliation of changes in allowance account for credit losses of other receivables [Line Items] Allowance account for credit losses of other receivables Beginning balance Ending balance Changes in allowance account for credit losses of other receivables [Abstract] Transfer to twelve-month expected credit losses of allowance account for credit losses of other receivables Transfer to 12-month expected credit losses Transfer to lifetime expected credit losses of allowance account for credit losses of other receivables Transfer to lifetime expected credit losses Transfer to credit impaired financial assets of allowance account for credit losses of other receivables Transfer to credit-impaired financial assets Additional allowance recognised in profit or loss allowance account for credit losses of other receivables Net provision of loss allowance Utilisation allowance recognised in profit or loss allowance account for credit losses of other receivables Charge off Decrease through disposal allowance recognised in profit or loss allowance account for credit losses of other receivables Disposal Increase (decrease) through disposal allowance recognised in profit or loss allowance account for credit losses of other receivables Others Reconciliation of changes in gross carrying amount of other receivables [Abstract] Changes in gross carrying amount of other receivables [Table] Reconciliation of changes in gross carrying amount of other receivables [Line Items] Gross carrying amount of other receivables Beginning balance Ending balance Changes in gross carrying amount of other receivables [Abstract] Transfer to twelve-month expected credit losses of gross carrying amount of other receivables Transfer to 12-month expected credit losses Transfer to lifetime expected credit losses of gross carrying amount of other receivables Transfer to lifetime expected credit losses Transfer to credit impaired financial assets of gross carrying amount of other receivables Transfer to credit-impaired financial assets Utilisation gross carrying amount of other receivables Charge off Decrease through disposal gross carrying amount of other receivables Disposal Increase (decrease) through disposal gross carrying amount of other receivables Net increase Disclosure of other equity interest [Abstract] Accumulated other comprehensive income [Abstract] Other capital adjustments Increase (decrease) other comprehensive income except for reclassificaiton before tax Increase (decrease) on valuation Reclassification adjustments other comprehensive income before tax Reclassification Gains losses on redemption of available for sale financial assets Gains on redemption of securities (IFRS 9) Gains (losses) on transaction of financial assets measured at fair value through other comprehensive income Gains on transaction of securities (IFRS 9) Disclosure of gains (losses) on financial instruments at fair value through profit or loss [Abstract] Gains (losses) on financial assets held for trading Net gains and losses on financial assets held for trading (Total) Gains (losses) on financial instruments at fair value through profit or loss classified as held for trading in accordance with IAS 39 Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition in accordance with IAS39 Total net gains and losses on financial assets designated at FVTPL Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39) Financial instruments at fair value through profit or loss category [Member] Financial assets at FVTPL (financial assets held for trading) Trading securities [Member] Securities Gain loss on financial instruments by category [Axis] Gain loss on financial instruments by category [Domain] Gain on financial instruments at fair value through profit or loss [Member] Unrealized gain on valuation of financial instruments at fair value through profit or loss [Member] Gain on valuation Realized gain on transaction of financial instruments at fair value through profit or loss [Member] Gain on disposals Unrealized and realized gain on financial instruments at fair value through profit or loss [Member] Gain on transactions and valuation Loss on financial instruments at fair value through profit or loss [Member] Unrealized loss on valuation of financial instruments at fair value through profit or loss [Member] Loss on valuation Realized loss on transaction of financial instruments at fair value through profit or loss [Member] Loss on disposals Unrealized and realized loss on financial instruments at fair value through profit or loss [Member] Loss on transactions and valuation Gains losses on financial instruments held for trading [Line Items] Gains (losses) on transaction of available-for-sale financial assets Gains on transaction of securities (IAS 39) Impairment loss on available-for-sale financial assets Impairment losses on securities (IAS 39) Impairment losses on securities (IAS 39) Disclosure of securities at amortised cost and held to maturity investments [Table] Disclosure of securities at amortised cost and held to maturity financial assets [Line Items] Securities at amortised cost and held to maturity investments category [Member] Details of provisions [Abstract] Disclosure of provision matrix [Table] Other provisions except for provision for decommissioning restoration and rehabilitation costs [Member] Description of major assumptions made concerning future events, other provisions Description of major assumptions made concerning future events for other provisions Description of expected timing of outflows, other provisions Description of expected timing of outflows from other provisions Equity index option [Member] Equity option Other swap Other swap [Member] Other forward [Member] Other forward Other option [Member] Other option Disclosure of detailed information about hedges [Table] Hedges of net investment in foreign operations [Member] Disclosure of detailed information about hedges [Line Items] Description of type of hedge Description of financial instruments designated as hedging instruments Financial instruments designated as hedging instruments, at fair value Description of nature of risks being hedged SGD [Member] SGD Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items] Nominal amount of hedging instrument Description of average rate of interest rate risk hedging instrument Description of average rate of currency risk hedging instrument Hedging instrument, assets Hedging instrument, liabilities Gain (loss) on change in fair value of hedging instrument used as basis for recognising hedge ineffectiveness Disclosure of detailed information about hedged items [Abstract] Disclosure of detailed information about hedged items [Table] Disclosure of detailed information about hedged items [Line Items] Hedged item, assets Hedged item, liabilities Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities Description of line item in statement of financial position that includes hedged item Line item in the statement of financial position in which the hedged item is included Gain (loss) on change in fair value of hedged item used as basis for recognising hedge ineffectiveness Changing in fair value used for calculating hedge ineffectiveness Reserve of cash flow hedges, hedging relationships for which hedge accounting is no longer applied Cash flow hedge reserve Disclosure of information about amounts that affected statement of comprehensive income as result of hedge accounting [Table] Disclosure of information about amounts that affected statement of comprehensive income as result of hedge accounting [Line Items] Gain (loss) on hedge ineffectiveness [Abstract] Gain (loss) on hedge ineffectiveness recognised in profit or loss Hedge ineffectiveness recognized in profit or loss Gain (loss) on hedge ineffectiveness recognised in other comprehensive income Description of line item in statement of comprehensive income that includes recognised hedge ineffectiveness Line item in the profit or loss that includes hedge ineffectiveness Reclassification adjustments on cash flow hedges for which hedged future cash flows are no longer expected to occur, net of tax Amounts reclassified from cash flow hedge reserve to profit or loss Description of line item in statement of comprehensive income that includes reclassification adjustments Line item affected in profit or loss because of the reclassification Financial assets at fair value through profit or loss category in accordance with IAS 39 [Member] Financial assets at FVTPL (IAS 39) Financial assets at fair value through profit or loss designated upon initial recognition category in accordance with IAS 39 [Member] Financial assets designated at FVTPL Deposits of financial assets at fair value through profit or loss [Member] Deposits Debt securities of financial assets at fair value through profit or loss [Member] Debt securities Equity securities of financialAssets at fair value through profit or loss [Member] Equity securities Capital contributions of financial assets at fair value through profit or loss [Member] Capital contributions Beneficiary certificates of financial assets at fair value through profit or loss [Member] Beneficiary certificates Loans of financial assets at fair value through profit or loss [Member] Loans Derivative instrument assets of financial assets at fair value through profit or loss [Member] Derivative instrument assets Derivative assets Debt securities of financial assets at fair value through other comprehensive income [Member] Debt securities Financial assets at FVTOCI debt securities Equity securities of financial assets at fair value through other comprehensive income [Member] Equity securities Loaned securities of financial assets at fair value through other comprehensive income [Member] Loaned securities Financial liabilities at fair value through profit or loss that meet definition of held for trading category in accordance with IAS 39 [Member] Financial liabilities held for trading Deposits from customers of financial liabilities held for trading in accordance with IAS 39 [Member] Deposits due to customers Derivative financial liabilities held for trading in accordance with IAS 39 [Member] Derivative liabilities Financial liabilities at fair value through profit or loss designated upon initial recognition category in accordance with IAS 39 [Member] Financial liabilities designated at FVTPL Equity linked securities of financial liabilities at fair value through profit or loss designated upon initial recognition in accordance with IAS 39 [Member] Equity linked securities Debentures of financial liabilities at fair value through profit or loss designated upon initial recognition in accordance with IAS 39 [Member] Debentures Securities of financial assets at amortised cost category [Member] Securities at amortized cost Debt securities at amortized cost Loans and other financial assets at amortised cost category [Member] Loans and other financial assets at amortized cost Securities of financial assets at amortised cost fair value Securities at amortized cost Loans and other financial assets at amortised cost fair value Loans and other financial assets at amortized cost Disclosure of financial assets [Table] Securities at fair value through profit or loss [Member] Securities at fair value through profit or loss Securities at fair value through other comprehensive income [Member] Securities at FVTOCI Securities at amortised cost [Member] Securities at amortized cost Loans [Member] Loans Disclosure of financial assets [Line Items] Financial assets at amortized cost Financial assets Total Categories of financial liabilities [Abstract] Disclosure of financial liabilities [Table] Borrowing [Member] Borrowing Notes and debentures issued [Member] Debentures Disclosure of financial liabilities [Line Items] Financial liabilities at amortized cost Financial liabilities Total Amount reclassified from other comprehensive income to retained earnings due to redemption of financial liabilities at fair value through profit or loss Changes in other comprehensive income due to redemption of financial liabilities designated as at FVTPL Impairment losses recognised or reversed due to credit loss Impairment losses due to credit loss Total Other comprehensive income net of tax from disposal of non-current assets or disposal groups classified as held for sale and discontinued operations Net loss on disposal of assets held for sale Equity related to assets held for sale Other comprehensive income, net of tax, financial assets measured at fair value through other comprehensive income Gain (loss) on valuation of financial assets at FVTOCI Changes in other comprehensive gain due to remeasurement of financial assets designated at FVTOCI Adjustments to reconcile profit (loss) Sub-total Impairment losses recognised due to credit loss Impairment losses recognised due to credit loss Total Adjustments for loss on securities of financial assets at amortised cost Net loss on Securities at amortized cost Impairment losses reversed due to credit loss Reversal of impairment losses due to credit loss Adjustments for gain on valuation of financial instruments at fair value through profit or loss in accordance with IAS 39 Gain on valuation of financial instruments at FVTPL (IAS 39) Proceeds from sales of investment property Disposal of investment properties Payments for acquisition of securities at amortised cost Acquisition of securities at amortized cost Increase (decrease) of loss allowance through foreign exchange and other movements securities at amortised cost Others Additional allowance reversal recognised in profit or loss allowance account for credit losses of loans Additional allowance reversal recognised in profit or loss allowance account for credit losses of loans Net reversal (provision) of loss allowance Derivative financial assets [Member] Derivative assets Provisions for payment guarantee [Abstract] Disclosure of reconciliation of changes in other provisions [Table] Disclosure of provisions for payment guarantee [Line Items] Reconciliation of changes in provisions for payment guarantee [Abstract] Provisions for payment guarantee Beginning balance Ending balance Changes in provisions for payment guarantee [Abstract] Increase (decrease) of loss allowance through transfer to provisions for payment guarantee with credit measurement of twelve-month expected credit losses Replaced by 12-month expected credit loss Increase (decrease) of loss allowance through transfer to provisions for payment guarantee with credit measurement of Lifetime expected credit losses of financial instruments not creditimpaired Replaced with expected credit loss for the entire period Increase (decrease) of loss allowance through transfer to provisions for payment guarantee with credit measurement of Lifetime expected credit losses of financial instruments creditimpaired Replaced with credit-impaired financial assets Additional provisions for payment guarantee Provisions provided Provision used provisions for payment guarantee Provisions used Unused provision reversed provisions for payment guarantee Net reversal of unused amount Increase (decrease) through net exchange differences provisions for payment guarantee Foreign currencies translation adjustments Increase (decrease) through other changes in provisions for payment guarantee Others Provisions for credit commitment [Abstract] Disclosure of provisions for credit commitment [Line Items] Reconciliation of changes in provisions for credit commitment [Abstract] Provisions for credit commitment applied IFRS 9 Beginning balance Provisions for credit commitment Beginning balance Ending balance Changes in provisions for credit commitment [Abstract] Increase (decrease) of loss allowance through transfer to provisions for credit commitment with credit measurement of twelve-month expected credit losses Replaced by 12-month expected credit loss Increase (decrease) of loss allowance through transfer to provisions for credit commitment with credit measurement of lifetime expected credit losses of financial instruments not creditimpaired Replaced with expected credit loss for the entire period Increase (decrease) of loss allowance through transfer to provisions for credit commitment with credit measurement of lifetime expected credit losses of financial instruments creditimpaired Replaced with credit-impaired financial assets Additional provisions for credit commitment Provisions provided Provision used provisions for credit commitment Provisions used Unused provision reversed provisions for credit commitment Net reversal of unused amount Increase (decrease) through net exchange differences provisions for credit commitment Foreign currencies translation adjustments Increase (decrease) through other changes in provisions for credit commitment Others Provision for decommissioning, restoration and rehabilitation costs [Abstract] Reconciliation of changes in provision for decommissioning restoration and rehabilitation costs [Abstract] Provision for decommissioning, restoration and rehabilitation costs Beginning balance Ending balance Changes in provision for decommissioning restoration and rehabilitation costs [Abstract] Additional provision for decommissioning restoration and rehabilitation costs Provisions provided Provision used provision for decommissioning restoration and rehabilitation costs Provisions used Unused provision reversed provision for decommissioning restoration and rehabilitation costs Reversal of provisions unused Increase (decrease) through time value of money adjustment provision for decommissioning restoration and rehabilitation costs Amortization Increase (decrease) through restoration costs and others Increase in restoration costs and others Description of nature of obligation, other provisions Other provisions Beginning balance Ending balance Increase (decrease) through transfers provisions Transfer Increase (decrease) through other changes provisions Others Explanation of increase (decrease) through transfer other provisions Gross carrying amount of loans Beginning balance Ending balance Decrease of loss allowance through derecognition securities at amortised cost Disposal Provisions for payment guarantee applied IFRS 9 Beginning balance Accumulated other comprehensive income applied IFRS 9 Beginning balance Ending balance (based on IFRS9) Changes in property plant and equipment due to accounts transfer to assets or disposal groups classified as held for sale Classified to assets held for sale from premises and equipment Disposal Decrease of loss allowance through derecognition financial assets at fair value through other comprehensive income Reversal allowance account for credit losses of other receivables Recoveries of other financial assets previously Reversal allowance account for credit losses of loans Recoveries of loans previously charged off Woori Blackstone Korea Opportunity No.1 Private Equity Fund Woori Blackstone Korea Opportunity Private Equity Fund No.1 Woori blackstone Korea opportunity private equity fund No one [Member] Partner One Value Up I Private Equity Fund [Member] Partner one Value Up I Private Equity Fund IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership [Member] IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership Disclosure of changes in equity in relation to financial liabilities at fair value through profit or loss designated as upon initial recognition [Abstract] Transfers of cumulative gain (loss) within equity when changes in liability's credit risk are presented in other comprehensive income Equity-linked securities index Retained earnings applied IFRS 9 Beginning balance Ending balance (based on IFRS9) Increase (decrease) in retained earnings due to redemption of financial liabilities at fair value through profit or loss Derecognition of the credit risk on financial liabilities designated at FVTPL Increase (decrease) in retained earnings due to transfer in out from other equity Capital adjustments due to appropriation of retained earnings Schedule of investments [Abstract] Gain (loss) on associates and joint ventures accounts using equity method Share of losses of joint ventures and associates Total Gains (losses) arising from derecognition of financial assets measured at amortised cost Net gain (loss) on financial assets at amortized cost Gains (osses) arising from derecognition of securities of financial assets at amortised cost Net gain (loss) on disposals of securities at amortized cost Gains (losses) arising from derecognition of loans and other financial assets at amortised cost Net gain (loss) on disposals of loans and other financial assets at amortized cost WB Finance Co Ltd [Member] WB Finance Co Ltd Uri display second co ltd [Member] Uri Display 2nd Co Ltd Woori the colony unjung securitization specialty co ltd [Member] Woori the Colony Unjung Securitization Specialty Co Ltd Woori dream first co ltd [Member] Woori Dream 1st Co Ltd Woori hs first co ltd [Member] Woori HS 1st Co Ltd Smart casting inc [Member] Smart Casting Inc HeungkukWoori Tech Company Private Placement Investment Trust No.1 and 6 beneficiary certificates [Member] HeungkukWoori Tech Company Private Placement Investment Trust No.1 and 6 beneficiary certificates Seari Second Securitization Specialty Co Ltd [Member] Seari Second Securitization Specialty Co Ltd Bukgeum Second Securitization Specialty Co Ltd [Member] Bukgeum Second Securitization Specialty Co Ltd Description of reason why entityIs not subsidiary due to absence of control Disclosure of major loan and borrowing transactions between related parties [Abstract] Major loan transations with Kumho tires co ltd of related parties Beginning balance of Major loan transations with KumhoTires Co Inc Ending balance of Major loan transations with KumhoTires Co Inc Major loan transations with Well to sea no 3 private equity fund of related parties Beginning balance of Major loan transations with Well to Sea No. 3 Private Equity Fund Ending balance of Major loan transations with Well to Sea No. 3 Private Equity Fund Major loan transations with Stx engine co ltd of related parties Beginning balance of Major loan transations with STX Engine Co Ltd Ending balance of Major loan transations with STX Engine Co Ltd Major borrowing transations with related parties Beginning balance of major borrowing transactions Ending balance of major borrowing transactions Changes in major loan and borrowing transactions with related parties [Abstract] Increase (decrease) of major loan transactions with related parties through other changes Increase of major loan transactions with Well to sea no 3 private equity fund of related parties through lending loans Loan to Well to Sea No. 3 Private Equity Fund Decrease of major loan transactions with with Kumho tires co ltd of related parties through collection loans Collection from KumhoTires Co Inc Decrease of major loan transactions with with Stx engine co ltd of related parties through collection loans Collection from STX Engine Co Ltd Increase decrease of major loan transactions with Stx engine co ltd of related parties through other changes Others for STX Engine Co Ltd Description of nature of major loan and borrowing transactions with related parties Loss allowance related to outstanding balances of transactions with key mangement personnel Impairment loss reversal of impairment loss recognised related to outstanding balances of transactions with key mangement personnel Date of acquisition Financial assets at fair value through other comprehensive income recognised as of acquisition date Financial assets at FVTOCI Loans and other financial assets at amortised cost recognised as of acquisition date Loans and other financial assets at amortized cost Current tax assets recognised as of acquisition date Current tax assets Deferred tax assets recognised as of acquisition date Deferred tax assets Other financial liabilities recognised as of acquisition date Other financial liabilities Current tax liabilitiesrecognised as of acquisition date Current tax liabilities Disclosure of changes in accounting estimates [Abstract] Disclosure of changes in accounting estimates [Table] Accounting estimates [Axis] Accounting estimates [Domain] Accounting estimates for income taxes [Member] Income taxes Accounting estimates for provisions for loss allowance for cedit losses [Member] Provisions for credit losses (allowances for loan losses, provisions for acceptances and guarantees, and unused loan commitments) Disclosure of changes in accounting estimates [Line Items] Explanation of nature and amount of changes in estimates of amounts reported in prior interim periods or prior financial years Description of nature of change in accounting estimate [Text Block] Description of nature and amount of change in accounting estimate Description of fact that amount of change in accounting estimate is impracticable [Text Block] Description of fact that amount of change in accounting estimateIs impracticable Foreign exchange option [Member] Currency option Currency risk and interest rate risk [Member] Foreign currencies translation risk and interest rate risk Contingent liability for guarantees [Member] Contingent liability for guarantees Total of guarantees Additions of expenses not involving cash outflows [Abstract] Additions of expenses not involving cash outflows: Additions of expenses not involving cash outflows Additions of expenses not involving cash outflows (sub-total) Deductions of income not involving cash inflows [Abstract] Deductions of income not involving cash inflows: Deductions of income not involving cash inflows Deductions of income not involving cash inflows (sub-total) Financial assets at fair value through profit or loss in accordance with IAS 39 which are exposured to credit risk Financial assets at FVTPL (IAS 39) Maximum exposure to credit risk of financial assets at fair value through other comprehensive income Maximum exposure to credit risk of financial assets at fair value through other comprehensive income Financial assets at FVTOCI Interest baring assets of loans and other financial assets at amortised cost [Member] Loans and other financial assets at amortized cost Interest baring assets of financial assets at fair value through other comprehensive income [Member] Financial assets at FVTOCI Interest baring assets of securities of financial assets at amortised cost [Member] Securities at amortized cost Description of accounting policies and methods of computation followed in interim financial statements Description of compliance with IFRSs if applied for interim financial report Enactments to Ifrs 9 financial instruments [Member] Adoption of IFRS 9 – Financial instruments (enacted) Enactments To Ifrs 15 revenue from contracts with customers [Member] Adoption of IFRS 15 – Revenue from contracts with customers (enacted) Amendments To Ifrs 2 share based payment [Member] Amendments to IFRS 2 – Classification and Measurement of Share-based Payment Transactions Amendments To Ias 40 investment property [Member] Amendments to IAS 40 – Transfers of Investment Property Amendments To Ifric 22 foreign currency transactions and advance consideration [Member] Amendments to IFRIC 22 – Foreign Currency Transactions and Advance Consideration Annual improvements [Member] Annual Improvements to IFRS 2014-2016 Cycle Description whether change in accounting policy is made in accordance with transitional provisions of initially applied IFRS Description of how and from when changes in accounting policies have been applied Disclosure of financial assets at date of initial application of IFRS 9 [Abstract] Disclosure of financial assets at date of initial application of IFRS 9 [Table] Classes of financial assets [Axis] Financial assets at amortised cost, class [Member] Financial assets at amortized cost Due from financial institutions reclassified as loans and other financial assets at amortised cost after initial application of ifrs 9 [Member] Deposit - Loans and receivables (IAS39) - Loan and other financial assets at amortized cost (IFRS9) Debt securities of available for sale reclassified as securities of financial assets at amortised cost after initial application of ifrs 9 [Member] AFS securities Debt securities - Available-for-sale financial assets (IAS39) - Securities at amortized cost (IFRS9) Held to maturity investments reclassified as securities of financial assets at amortised cost after initial application of ifrs 9 [Member] Debt securities - Held to maturity financial assets (IAS39) - Securities at amortized cost (IFRS9) Loans and other financial assets reclassified as loans and other financial assets at amortised cost after initial application of ifrs 9 [Member] Loans - Loans and receivables (IAS39) - Loans and other financial assets at amortized cost (IFRS9) Loans and other financial assets - Loans and receivables (IAS39) - Loans and other financial assets at amortized cost (IFRS9) Other financial assets reclassified as loans and other financial assets at amortised cost after initial application of ifrs 9 [Member] Other financial assets - Loans and receivables (IAS39) - Loan and other financial assets at amortized cost (IFRS9) Financial assets at fair value through profit or loss [Member] Due from financial institutions reclassified as financial assets at fair value through profit or loss after initial application of ifrs 9 [Member] Deposit - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9) Debt securities of fair value through profit or loss in accordance with ias 39 reclassified as financial assets at fair value through profit or loss after initial application of ifrs 9 [Member] Debt securities - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9) Equity securities of fair value through profit or loss in accordance with ias 39 reclassified as financial assets at fair value through profit or loss after initial application of ifrs 9 [Member] Equity securities - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9) Derivatives of fair value through profit or loss in accordance with ias 39 reclassified as financial assets at fair value through profit or loss after initial application of ifrs 9 [Member] Derivatives - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9) Equity securities of available for sale reclassified as financial assets at fair value through profit or loss after initial application of ifrs 9 [Member] Equity securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTPL (IFRS9) Debt securities of available for sale reclassified as financial assets at fair value through profit or loss after initial application of ifrs 9 [Member] Debt securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTPL (IFRS9) Loans and other financial assets reclassified as rinancial assets at rair value through profit or loss after initial application of ifrs 9 [Member] Loans - Loans and receivables (IAS39) - Financial assets at FVTPL (IFRS9) Derivatives asset [Member] Derivatives Financial assets at fair value through other comprehensive income [Member] Equity securities of available for sale reclassified as financial assets at fair value through other comprehensive income after initial application of ifrs 9 [Member] Equity securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTOCI (IFRS9) Debt securities of available for sale reclassified as financial assets at fair value through other comprehensive income after initial application of ifrs 9 [Member] Debt securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTOCI (IFRS9) Disclosure of financial assets at date of initial application of IFRS 9 [Line Items] Financial assets, measurement category immediately before initial application of IFRS 9 Classification according to IAS 39 Financial assets, carrying amount immediately before initial application of IFRS 9 Classification according to IAS 39 Increase (decrease) in financial assets on basis of measurement category, initial application of IFRS 9 Reclassification Increase (decrease) in financial assets arising from change in measurement attribute, initial application of IFRS 9 Remeasurement Financial assets, measurement category immediately after initial application of IFRS 9 Classification according to IFRS 9 Financial assets, carrying amount immediately after initial application of IFRS 9 Classification according to IFRS 9 Description of reclassification and measurement of embedded derivatives out of hybrid financial instruments Disclosure of financial liabilities at date of initial application of IFRS 9 [Abstract] Disclosure of financial liabilities at date of initial application of IFRS 9 [Table] Classes of financial liabilities [Axis] Financial liabilities at amortised cost, class [Member] Deposits from customers reclassified as financial liabilities at amortised cost after initial application of IFRS9 [Member] Deposit due to customers - Deposit due to customers (IAS39) - Financial liabilities at amortized cost (IFRS9) Borrowings reclassified as financial liabilities at amortised cost after initial application of IFRS 9 [Member] Borrowings - Borrowings (IAS39) - Financial liabilities at amortized cost (IFRS9) Debentures reclassified as financial liabilities at amortised cost after initial application of IFRS 9 [Member] Debentures - Debentures (IAS39) - Financial liabilities at amortized cost (IFRS9) Other financial liabilities reclassified as financial liabilities at amortised cost after initial application of IFRS 9 [Member] Other financial liabilities - Other financial liabilities (IAS39) - Financial liabilities at amortized cost (IFRS9) Provision for financial liabilities reclassified as financial liabilities at amortised cost after initial application of IFRS 9 [Member] Provision for financial guarantee - Provision for financial guarantee (IAS39) - Financial liabilities at amortized cost (IFRS9) Financial liabilities at fair value, class [Member] Deposits from customers reclassified as financial liabilties at fair value through profit or loss after initial application of IFRS 9 [Member] Deposit due to customers - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9) Debentures reclassified as financial liabilties at fair value through profit or loss after initial application of IFRS 9 [Member] Debentures - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9) Equity linked securities reclassified as financial liabilties at fair value through profit or loss after initial application of IFRS 9 [Member] Equity-linked securities - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9) Derivatives liabilities reclassified as financial liabilties at fair value through profit or loss after initial application of IFRS 9 [Member] Derivatives liabilities - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9) Derivatives liabilities [Member] Derivatives liabilities Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items] Financial liabilities, measurement category immediately before initial application of IFRS 9 Classification according to IAS 39 Financial liabilities, carrying amount immediately before initial application of IFRS 9 Classification according to IAS 39 Increase (decrease) in financial liabilities on basis of measurement category, initial application of IFRS 9 Reclassification Increase (decrease) in financial liabilities arising from change in measurement attribute, initial application of IFRS 9 Remeasurement Financial liabilities, measurement category immediately after initial application of IFRS 9 Classification according to IFRS 9 Financial liabilities, carrying amount immediately after initial application of IFRS 9 Classification according to IFRS 9 Financial assets at FVTPL (Equity securities) Equity securities Equity securities of financial assets at fair value through profit or loss classified as held for trading category [Member] Due from financial institutions [Member] Deposits Financial assets at FVTPL (Deposits) Disclosure of financial assets and financial liabilities reclassified as amortised cost at date of initial application of ifrs 9 [Abstract] Reclassification and mearuement financial assets and financial liabilities at date of initial application of IFRS9 [Line Items] Fair value of financial assets reclassified as measured at amortised cost, initial application of IFRS 9 Fair value Fair value gain (loss) that would have been recognised in profit or loss or other comprehensive income if financial assets had not been reclassified as measured at amortised cost, initial application of IFRS 9 Amount of valuation gain / loss had it not been reclassified Disclosure of initial application of impairment requirements for financial instruments [Abstract] Initial application of impairment requirements for financial instruments [Line Items] Allowance account for credit losses before initial application of IFRS9 Loss allowance per IAS 39 (A) Increase decrease in allowance account for credit losses due to first application of IFRS9 Increases (B-A) Allowance account for credit losses after initial application of IFRS9 Loss allowance per IFRS 9 (B) Description of initial application of impairment requirements for financial instruments Disclosure of reclassification and mearuement financial assets and financial liabilities at date of initial application of IFRS9 Information on how entity applied classification requirements in IFRS 9 to financial assets whose classification has changed as result of applying IFRS 9 Description of reasons for designation or de-designation of financial assets or financial liabilities as measured at fair value through profit or loss at date of initial application of IFRS 9 Financial assets previously measured at amortised cost reclassified as financial assets at fair value through profit or loss at date of Initial application of ifrs9 Debt instruments classified as financial assets at amortized cost Financial assets previously measured at financial assets at fair value through other comprehensive income reclassified as financial assets at fair value through profit or losst at date of initial application of ifrs9 Debt instruments classified as FVOCI Financial assets previously designated at fair value through profit or loss reclassified due to requirements of IFRS 9, initial application of IFRS 9 Financial assets measured at FVTPL that were reclassified to FVTOCI or amortized cost category Financial liabilities previously designated at fair value through profit or loss reclassified due to requirements of IFRS 9, initial application of IFRS 9 Financial liabilities measured at FVTPL that were reclassified to FVTOCI or amortized cost category Financial liabilities designated at fair value through profit or loss reclassified at date of initial application of ifrs9 Financial liabilities designated as at FVTPL As of January 1, 2018 Accumulated changes in fair value of financial liability attributable to changes in credit risk of liability due to initial application of ifrs9 Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition Accumulated other comprehensive loss in relation to the changes in credit risk of financial liabilities As of January 1, 2018 Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition Disclosure of effect on other comprehensive income at date of initial application of IFRS9 [Abstract] Changes in amount due to reclassification [Abstract] Reclassification out of availableforsale financial assets into securities at amortised cost Reclassification of available-for-sale financial assets to financial assets at Amortized cost Reclassification of available-for-sale financial assets to financial assets at Amortized cost Reclassification of available-for-sale financial assets to financial assets at FVTPL Reclassification out of availableforsale financial assets into financial assets measured at fair value through profit or loss Other comprehensive income on financial assets measured at fair value through other comprehensive income attributable to change in credit risk due to initial application of ifrs9 Recognition of expected credit losses of debt securities at FVTOCI Reclassified of available for sale financial assets(equity securities) to financial assets at FVTOCI Reclassification out of equity securities of availableforsale financial assets into financial assets measured at fair value through other comprehensive income Reclassified of available for sale financial assets(equity securities) to financial assets at FVTOCI Other changes in other comprehensive income due to initial application of ifrs 9 Others Income tax effect Income tax relating to components of other comprehensive income due to initial application of ifrs 9 Changes in amount recognised in other comprehensive income due to reclassification Reclassification Disclosure of effect on retained earnings at date of initial application of IFRS9 [Abstract] Retained earning on reclassification out of availableforsale financial assets into financial assets measured at fair value through profit or loss Reclassification of available-for-sale financial assets to financial assets at FVTPL Retained earning on financial assets measured at fair value through other comprehensive income attributable to change in credit risk due to initial application of ifrs 9 Recognition of expected credit losses of debt instruments at FVTOCI Effect on revaluation of financial assets at amortized cost from loan and receivables or AFS financial assets Revaluation of financial assets at amortised cost from loan and receivables or available for sale financial 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Document and Entity Information
6 Months Ended
Jun. 30, 2018
shares
Document and entity information [Abstract]  
Entity Registrant Name Woori Bank
Entity Central Index Key 0001264136
Document Type F-4/A
Document Period End Date Jun. 30, 2018
Amendment Flag false
Document Fiscal Year Focus 2018
Document Fiscal Period Focus Q2
Current Fiscal Year End Date --12-31
Entity Well-known Seasoned Issuer Yes
Entity Voluntary Filers No
Entity Current Reporting Status Yes
Entity Filer Category Large Accelerated Filer
Entity Common Stock, Shares Outstanding 676,000,000

XML 18 R2.htm IDEA: XBRL DOCUMENT v3.10.0.1
Consolidated Statements Of Financial Position
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
ASSETS [Abstract]      
Cash and cash equivalents ₩ 5,920,568,000,000 $ 5,325,210,000 ₩ 6,908,286,000,000
Financial assets at fair value through profit or loss in accordance with IFRS 9 6,340,704,000,000 [1] 5,703,098,000 [1] 0
Financial assets at fair value through profit or loss in accordance with IAS 39 0 0 5,843,077,000,000
Financial assets at fair value through other comprehensive income 14,644,608,000,000 [1] 13,171,981,000 [1] 0
Available-for-sale financial assets 0 0 15,352,950,000,000
Securities at amortized cost 17,702,129,000,000 [1] 15,922,044,000 0
Held-to-maturity financial assets 0 0 16,749,296,000,000
Loans and other financial assets at amortized cost 277,720,003,000,000 [1] 249,793,131,000 0
Loans and receivables 0 0 267,106,204,000,000
Investments in joint ventures and associates 412,940,000,000 371,416,000 417,051,000,000
Investment properties 381,177,000,000 342,847,000 371,301,000,000
Premises and equipments 2,450,754,000,000 2,204,312,000 2,477,545,000,000
Intangible assets and goodwill 653,514,000,000 587,798,000 518,599,000,000
Assets held for sale 18,705,000,000 16,824,000 48,624,000,000
Current income tax assets 11,322,000,000 10,183,000 4,722,000,000
Deferred income tax assets 89,711,000,000 80,690,000 280,130,000,000
Derivative financial assets 12,395,000,000 11,149,000 59,272,000,000
Other assets 202,800,000,000 182,406,000 158,404,000,000
Total assets 326,561,330,000,000 293,723,089,000 316,295,461,000,000
LIABILITIES [Abstract]      
Financial liabilities at fair value through profit or loss in accordance with IFRS 9 2,578,332,000,000 [1] 2,319,061,000 [1] 0
Financial liabilities at fair value through profit or loss in accordance with IAS 39 0 0 3,427,909,000,000
Deposits due to customers 237,900,166,000,000 213,977,483,000 234,695,084,000,000
Borrowings 15,899,599,000,000 14,300,773,000 14,784,706,000,000
Debentures 26,752,725,000,000 24,062,534,000 27,869,651,000,000
Provisions 386,374,000,000 347,521,000 410,470,000,000
Net Defined benefit liabilities 99,859,000,000 89,817,000 43,264,000,000
Current income tax liabilities 154,202,000,000 138,696,000 232,600,000,000
Deferred income tax liabilities 14,777,000,000 13,291,000 22,681,000,000
Derivative financial liabilities 67,505,000,000 60,717,000 67,754,000,000
Other financial liabilities 21,408,267,000,000 19,255,502,000 13,892,461,000,000
Other liabilities 302,913,000,000 272,453,000 283,981,000,000
Total liabilities 305,564,719,000,000 274,837,848,000 295,730,561,000,000
EQUITY [Abstract]      
Owner's equity 20,790,188,000,000 18,699,575,000 20,365,892,000,000
Capital stock 3,381,392,000,000 3,041,367,000 3,381,392,000,000
Hybrid securities 2,763,256,000,000 2,485,389,000 3,017,888,000,000
Capital surplus 285,885,000,000 257,137,000 285,880,000,000
Other equity (2,113,798,000,000) (1,901,239,000) (1,939,274,000,000)
Retained earnings 16,473,453,000,000 14,816,921,000 15,620,006,000,000
Non-controlling interests 206,423,000,000 185,666,000 199,008,000,000
Total equity 20,996,611,000,000 18,885,241,000 20,564,900,000,000
Total liabilities and equity ₩ 326,561,330,000,000 $ 293,723,089,000 ₩ 316,295,461,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
XML 19 R3.htm IDEA: XBRL DOCUMENT v3.10.0.1
Consolidated Statements Of Comprehensive Income
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
₩ / shares
Jun. 30, 2017
KRW (₩)
₩ / shares
Jun. 30, 2018
KRW (₩)
₩ / shares
Jun. 30, 2018
USD ($)
$ / shares
Jun. 30, 2017
KRW (₩)
₩ / shares
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]          
Interest income ₩ 2,368,669,000,000 ₩ 2,105,808,000,000 ₩ 4,643,416,000,000 $ 4,176,485,000 ₩ 4,189,584,000,000
Interest income on financial assets at fair value through profit or loss (IFRS 9) 13,367,000,000 [1] 0 28,537,000,000 [1] 25,667,000 [1] 0
Interest income on financial assets at fair value through other comprehensive income 62,170,000,000 [1] 0 119,446,000,000 [1] 107,435,000 [1] 0
Interest income on financial assets at amortized cost 2,293,132,000,000 [1] 0 4,495,433,000,000 [1] 4,043,383,000 [1] 0
Interest income on financial assets at fair value through profit or loss in accordance with IAS 39 0 13,074,000,000 0 0 26,806,000,000
Interest income on available-for-sale financial assets 0 67,667,000,000 0 0 144,067,000,000
Interest income on held-to-maturity financial assets 0 74,690,000,000 0 0 149,673,000,000
Interest income on loans and receivables 0 1,950,377,000,000 0 0 3,869,038,000,000
Interest expense (971,346,000,000) (818,232,000,000) (1,878,942,000,000) (1,690,000,000) (1,639,264,000,000)
Net interest income 1,397,323,000,000 1,287,576,000,000 2,764,474,000,000 2,486,485,000 2,550,320,000,000
Fees and commissions income 555,400,000,000 506,281,000,000 1,113,006,000,000 1,001,084,000 1,013,893,000,000
Fees and commissions expense (258,053,000,000) (243,533,000,000) (510,351,000,000) (459,031,000) (476,193,000,000)
Net fees and commissions income 297,347,000,000 262,748,000,000 602,655,000,000 542,053,000 537,700,000,000
Dividend income 14,151,000,000 19,617,000,000 49,704,000,000 44,706,000 59,445,000,000
Net gain (loss) on financial instruments at fair value through profit or loss (IFRS 9) 67,693,000,000 [1] 0 117,023,000,000 [1] 105,255,000 [1] 0
Gain (loss) on financial instruments at fair value through profit or loss (IAS 39) 0 12,066,000,000 0 0 (146,409,000,000)
Net gain (loss) on financial assets at fair value through other comprehensive income 475,000,000 [1] 0 1,287,000,000 [1] 1,158,000 [1] 0
Net gain (loss) on available-for-sale financial assets 0 88,387,000,000 0 0 104,172,000,000
Net gain (loss) on financial assets at amortized cost 9,361,000,000 [1] 0 30,886,000,000 [1] 27,780,000 [1] 0
Net gain (loss) on disposals of securities at amortized cost 0 0 431,000,000 [1] 388,000 [1] 0
Net gain (loss) on disposals of loans and other financial assets at amortized cost 9,361,000,000 [1] 0 30,455,000,000 [1] 27,392,000 [1] 0
Impairment losses due to credit loss 150,673,000,000 (204,486,000,000) 28,438,000,000 25,578,000 (283,763,000,000)
General and administrative expenses (827,654,000,000) (784,157,000,000) (1,567,338,000,000) (1,409,730,000) (1,538,427,000,000)
Other net operating income (expenses) (122,951,000,000) (77,267,000,000) (219,414,000,000) (197,350,000) 201,190,000,000
Operating income 986,418,000,000 604,484,000,000 1,807,715,000,000 1,625,935,000 1,484,228,000,000
Share of losses of joint ventures and associates 7,681,000,000 (14,863,000,000) (1,462,000,000) (1,315,000) (64,278,000,000)
Net other non-operating income (expenses) 1,398,000,000 11,697,000,000 (4,721,000,000) (4,246,000) 9,998,000,000
Non-operating income (loss) 9,079,000,000 (3,166,000,000) (6,183,000,000) (5,561,000) (54,280,000,000)
Net income before income tax expense 995,497,000,000 601,318,000,000 1,801,532,000,000 1,620,374,000 1,429,948,000,000
Income tax expense (273,701,000,000) (135,034,000,000) (485,216,000,000) (436,424,000) (320,933,000,000)
Net income 721,796,000,000 466,284,000,000 1,316,316,000,000 1,183,950,000 1,109,015,000,000
Other comprehensive income [abstract]          
Net gain on equity securities of financial assets measured at fair value through other comprehensive income, net of tax 2,490,000,000 [1] 0 31,428,000,000 [1] 28,268,000 [1] 0
Net gain on valuation of financial liabilities designated as at FVTPL due to own credit risk 40,000,000 [1] 0 130,000,000 [1],[2] 117,000 0
Items out of change in equity method securities due to change in equity of investee that will not be reclassified to profit or loss 1,145,000,000 (41,000,000) 1,456,000,000 1,310,000 (3,087,000,000)
Remeasurement gain (loss) related to defined benefit plan (6,113,000,000) 16,840,000,000 (59,573,000,000) (53,583,000) (9,677,000,000)
Items that will not be reclassified to profit or loss (2,438,000,000) 16,799,000,000 (26,559,000,000) (23,888,000) (12,764,000,000)
Net gain on valuation of debt securities at FVTOCI 8,009,000,000 [1] 0 10,024,000,000 [1] 9,016,000 [1] 0
Net loss on valuation of AFS financial assets 0 (41,680,000,000) 0   (28,706,000,000)
Share of other comprehensive gain (loss) of joint ventures and associates 955,000,000 (156,000,000) (246,000,000) (221,000) 4,594,000,000
Gain (loss) on foreign currencies translation of foreign operations 37,268,000,000 31,450,000,000 35,526,000,000 31,954,000 (69,010,000,000)
Net loss on valuation of cash flow hedge (2,787,000,000) (673,000,000) (6,213,000,000) (5,588,000) (1,526,000,000)
Net loss on disposal of assets held for sale (4,709,000,000) 0 (4,709,000,000) (4,236,000) 0
Items that may be reclassified to profit or loss 38,736,000,000 (11,059,000,000) 34,382,000,000 30,925,000 (94,648,000,000)
Other comprehensive income(loss), net of tax 36,298,000,000 5,740,000,000 7,823,000,000 7,037,000 (107,412,000,000)
Total comprehensive income 758,094,000,000 472,024,000,000 1,324,139,000,000 1,190,987,000 1,001,603,000,000
Net income attributable to:          
Net income attributable to owners 716,142,000,000 460,888,000,000 1,305,878,000,000 1,174,562,000 1,098,361,000,000
Net Income (loss) attributable to non-controlling interests 5,654,000,000 5,396,000,000 10,438,000,000 9,388,000 10,654,000,000
Total comprehensive income attributable to:          
Comprehensive income attributable to owners 751,528,000,000 464,129,000,000 1,315,322,000,000 1,183,056,000 995,742,000,000
Comprehensive income (loss) attributable to non-controlling interests ₩ 6,566,000,000 ₩ 7,895,000,000 ₩ 8,817,000,000 $ 7,931,000 ₩ 5,861,000,000
Basic and diluted earnings from continuing and discontinued operations per share (Note 42) (Unit: Korean Won and U.S. Dollar) | (per share) ₩ 1,008 ₩ 623 ₩ 1,828 $ 1,644 ₩ 1,497
[1] The consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
[2] The consolidated interim statements of changes in equity for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of changes in equity for the six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
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Consolidated Statements Of Changes In Equity
KRW (₩)
USD ($)
Owner's equity
KRW (₩)
Owner's equity
USD ($)
Capital Stock
KRW (₩)
Capital Stock
USD ($)
Hybrid securities
KRW (₩)
Hybrid securities
USD ($)
Capital surplus
KRW (₩)
Capital surplus
USD ($)
Other equity
KRW (₩)
Other equity
USD ($)
Retained earnings
KRW (₩)
Retained earnings
USD ($)
Non-controlling interests
KRW (₩)
Non-controlling interests
USD ($)
Balance at beginning at Dec. 31, 2016 ₩ 20,545,953,000,000   ₩ 20,386,160,000,000   ₩ 3,381,392,000,000   ₩ 3,574,896,000,000   ₩ 286,331,000,000   ₩ (1,468,025,000,000)   ₩ 14,611,566,000,000   ₩ 159,793,000,000  
Changes in equity [Abstract]                                
Net income 1,109,015,000,000   1,098,361,000,000   0   0   0   0   1,098,361,000,000   10,654,000,000  
Dividends to common stocks (270,842,000,000)   (269,308,000,000)   0   0   0   0   (269,308,000,000)   (1,534,000,000)  
Capital increase of subsidiaries (257,000,000)   (257,000,000)   0   0   (257,000,000)   0   0   0  
Net gain on valuation of financial liabilities designated as at FVTPL due to own credit risk 0                              
Gain (loss) on valuation of financial assets at FVTOCI 0                              
Net loss on valuation of AFS financial assets (28,706,000,000)   (29,033,000,000)   0   0   0   (29,033,000,000)   0   327,000,000  
Change in equity method securities due to change in equity of investees 1,507,000,000   1,507,000,000   0   0   0   1,507,000,000   0   0  
Gain (loss) on foreign currencies translation of foreign operations (69,010,000,000)   (63,944,000,000)   0   0   0   (63,944,000,000)   0   (5,066,000,000)  
Net loss on valuation of cash flow hedge (1,526,000,000)   (1,526,000,000)   0   0   0   (1,526,000,000)   0   0  
Remeasurement gain (loss) related to defined benefit plan (9,677,000,000)   (9,622,000,000)   0   0   0   (9,622,000,000)   0   (55,000,000)  
Equity related to assets held for sale 0                              
Dividends to hybrid securities (90,823,000,000)   (90,823,000,000)   0   0   0   0   (90,823,000,000)   0  
Issuance of hybrid securities 559,565,000,000   559,565,000,000   0   559,565,000,000   0   0   0   0  
Redemption of hybrid securities (1,324,731,000,000)   (1,324,731,000,000)   0   (1,116,573,000,000)   0   (208,158,000,000)   0   0  
Balance at end at Jun. 30, 2017 20,420,468,000,000   20,256,349,000,000   3,381,392,000,000   3,017,888,000,000   286,074,000,000   (1,778,801,000,000)   15,349,796,000,000   164,119,000,000  
Balance at beginning at Dec. 31, 2017 20,564,900,000,000 $ 18,496,942,000 20,365,892,000,000 $ 18,317,946,000 3,381,392,000,000 $ 3,041,367,000 3,017,888,000,000 $ 2,714,416,000 285,880,000,000 $ 257,133,000 (1,939,274,000,000) $ (1,744,265,000) 15,620,006,000,000 $ 14,049,295,000 199,008,000,000 $ 178,996,000
Changes in equity [Abstract]                                
Net income 1,316,316,000,000 1,183,950,000 1,305,878,000,000 1,174,562,000 0 0 0 0 0 0 0 0 1,305,878,000,000 1,174,562,000 10,438,000,000 9,388,000
Dividends to common stocks (338,744,000,000) (304,681,000) (336,636,000,000) (302,785,000) 0 0 0 0 0 0 0 0 (336,636,000,000) (302,785,000) (2,108,000,000) (1,896,000)
Net gain on valuation of financial liabilities designated as at FVTPL due to own credit risk 130,000,000 [1],[2] 117,000 130,000,000 [1] 117,000 0 0 0 0 0 0 130,000,000 [1] 117,000 0 0 0 0
Gain (loss) on valuation of financial assets at FVTOCI 41,452,000,000 [1] 37,284,000 41,736,000,000 [1] 37,539,000 0 0 0 0 0 0 41,736,000,000 [1] 37,539,000   0 (284,000,000) [1] (255,000)
Changes in other comprehensive income due to disposal of equity securities at fair value through other comprehensive income 0 0 0 0 0 0 0 0 0 0 424,000,000 [1] 381,000 (424,000,000) [1] (381,000) 0 0
Net loss on valuation of AFS financial assets 0                              
Change in equity method securities due to change in equity of investees (7,496,000,000) (6,742,000) (7,496,000,000) (6,742,000) 0 0 0 0 0 0 1,210,000,000 1,089,000 (8,706,000,000) (7,831,000) 0 0
Gain (loss) on foreign currencies translation of foreign operations 35,526,000,000 31,954,000 36,769,000,000 33,072,000 0 0 0 0 0 0 36,769,000,000 33,072,000 0 0 (1,243,000,000) (1,118,000)
Net loss on valuation of cash flow hedge (6,213,000,000) (5,588,000) (6,213,000,000) (5,588,000) 0 0 0 0 0 0 (6,213,000,000) (5,588,000) 0 0 0 0
Remeasurement gain (loss) related to defined benefit plan (59,573,000,000) (53,583,000) (59,480,000,000) (53,499,000) 0 0 0 0 0 0 (59,480,000,000) (53,499,000) 0 0 (93,000,000) (84,000)
Equity related to assets held for sale (4,709,000,000) (4,236,000) (4,709,000,000) (4,236,000) 0 0 0 0 0 0 (4,709,000,000) (4,236,000) 0 0 0 0
Dividends to hybrid securities (75,603,000,000) (68,000,000) (75,603,000,000) (68,000,000) 0 0 0 0 0 0 0 0 (75,603,000,000) (68,000,000) 0 0
Issuance of hybrid securities 0 0                            
Redemption of hybrid securities (255,000,000,000) (229,358,000) (255,000,000,000) (229,358,000) 0 0 (254,632,000,000) (229,027,000) 0 0 (368,000,000) (331,000) 0 0 0 0
Appropriation of retained earnings   0 0 0 0 0 0 0 0 0 208,158,000,000 187,226,000 (208,158,000,000) (187,226,000) 0 0
Capital decrease of subsidiaries (13,000,000) (12,000) 5,000,000 4,000 0 0 0 0 5,000,000 4,000   0   0 (18,000,000) (16,000)
Balance at end at Jun. 30, 2018 20,996,611,000,000 18,885,241,000 20,790,188,000,000 18,699,575,000 3,381,392,000,000 3,041,367,000 2,763,256,000,000 2,485,389,000 285,885,000,000 257,137,000 (2,113,798,000,000) (1,901,239,000) 16,473,453,000,000 14,816,921,000 206,423,000,000 185,666,000
Cumulative effect of changes in accounting policy (214,362,000,000) (192,806,000) (215,085,000,000) (193,457,000) 0 0 0 0 0 0 (392,176,000,000) (352,740,000) 177,091,000,000 159,283,000 723,000,000 651,000
Adjusted balance, beginning of period 20,350,538,000,000 18,304,136,000 20,150,807,000,000 18,124,489,000 3,381,392,000,000 3,041,367,000 3,017,888,000,000 2,714,416,000 285,880,000,000 257,133,000 (2,331,450,000,000) (2,097,005,000) 15,797,097,000,000 14,208,578,000 199,731,000,000 179,647,000
Changes in equity [Abstract]                                
Changes in other comprehensive income due to redemption of financial liabilities designated as at FVTPL ₩ 0 $ 0 ₩ 0 $ 0 ₩ 0 $ 0 ₩ 0 $ 0 ₩ 0 $ 0 ₩ (5,000,000) [1] $ (4,000) ₩ 5,000,000 [1] $ 4,000 ₩ 0 $ 0
[1] The consolidated interim statements of changes in equity for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of changes in equity for the six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
[2] The consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
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Consolidated Statements Of Cash Flows
6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Cash flows from operating activities      
Net income ₩ 1,316,316,000,000 $ 1,183,950,000 ₩ 1,109,015,000,000
Adjustments      
Income tax expense 485,216,000,000 436,424,000 320,933,000,000
Interest income (4,643,416,000,000) (4,176,485,000) (4,189,584,000,000)
Interest expense 1,878,942,000,000 1,690,000,000 1,639,264,000,000
Dividend income (49,704,000,000) (44,706,000) (59,445,000,000)
Sub-total (2,328,962,000,000) (2,094,767,000) (2,288,832,000,000)
Additions of expenses not involving cash outflows:      
Impairment losses recognised due to credit loss 0 0 283,763,000,000
Share of losses of investments in joint ventures and associates 16,809,000,000 15,119,000 67,594,000,000
Loss on disposal of investments in joint ventures and associates 2,931,000,000 2,636,000 27,730,000,000
Loss on transaction and valuation of derivatives (hedging) 62,366,000,000 56,095,000 31,131,000,000
Loss on hedged items (fair value hedge) 0 0 15,846,000,000
Loss on provision 38,553,000,000 34,676,000 35,665,000,000
Retirement benefits 71,631,000,000 64,428,000 71,902,000,000
Depreciation and amortization 126,886,000,000 114,127,000 121,361,000,000
Loss on disposal of premises and equipment and other assets 221,000,000 199,000 608,000,000
Impairment loss on premises and equipment and other assets 2,000,000 2,000 160,000,000
Loss on financial assets at FVTOCI 477,000,000 [1] 429,000 [1] 0
Additions of expenses not involving cash outflows (sub-total) 319,876,000,000 287,711,000 655,760,000,000
Deductions of income not involving cash inflows:      
Reversal of impairment losses due to credit loss 28,438,000,000 25,578,000 0
Gain on valuation of financial assets at FVTPL (IFRS 9) 167,268,000,000 [1] 150,448,000 [1] 0
Gain on valuation of financial instruments at FVTPL (IAS 39) 0 0 7,859,000,000
Gain on financial assets at FVTOCI 1,764,000,000 [1] 1,587,000 [1] 0
Gain on AFS financial assets 0 0 104,172,000,000
Gain on disposal of securities at amortized cost 431,000,000 [1] 388,000 [1] 0
Share of profits of investments in joint ventures and associates 15,347,000,000 13,804,000 3,316,000,000
Gain on disposal of investments in joint ventures and associates 0 0 32,886,000,000
Gain on transaction and valuation of derivatives (hedging) 28,943,000,000 26,033,000 11,656,000,000
Gain on hedged items (fair value hedge) 66,555,000,000 59,862,000 11,860,000,000
Gain on provisions 1,220,000,000 1,097,000 1,285,000,000
Gain on disposal of premises and equipment and other assets 17,037,000,000 15,324,000 1,675,000,000
Reversal of impairment loss on premises and equipment and other assets 341,000,000 307,000 32,000,000
Deductions of income not involving cash inflows (sub-total) 327,344,000,000 294,428,000 174,741,000,000
Changes in operating assets and liabilities:      
Financial assets at FVTPL (IFRS 9) 440,367,000,000 [1] 396,085,000 [1] 0
Financial assets at FVTPL (IAS 39) 0 0 (187,086,000,000)
Loans and other financial assets at amortized cost (10,667,142,000,000) [1] (9,594,479,000) [1] 0
Loans and receivables 0 0 (7,908,486,000,000)
Other assets 85,119,000,000 76,560,000 (995,000,000)
Deposits due to customers 3,149,083,000,000 2,832,419,000 5,182,735,000,000
Provisions (26,838,000,000) (24,139,000) (98,114,000,000)
Net defined benefit liability (97,206,000,000) (87,431,000) (19,799,000,000)
Other financial liabilities 7,366,307,000,000 6,625,568,000 2,790,480,000,000
Other liabilities 11,536,000,000 10,376,000 (29,837,000,000)
Changes in operating assets and liabilities (sub-total) 261,226,000,000 234,959,000 (271,102,000,000)
Cash received from (paid for) operating activities:      
Interest income received 4,609,449,000,000 4,145,934,000 4,281,385,000,000
Interest expense paid (1,776,933,000,000) (1,598,249,000) (1,749,917,000,000)
Dividends received 49,917,000,000 44,897,000 62,014,000,000
Income tax paid (312,471,000,000) (281,050,000) (236,246,000,000)
Net cash provided by operating activities 1,811,074,000,000 1,628,957,000 1,387,336,000,000
Cash in-flows from investing activities [Abstract]      
Disposal of financial assets at FVTPL (IFRS 9) 5,316,190,000,000 [1] 4,781,606,000 [1] 0
Disposal of financial assets at FVTOCI 4,280,921,000,000 [1] 3,850,442,000 [1] 0
Disposal of AFS financial assets 0 0 13,312,489,000,000
Redemption of securities at amortized cost 4,873,896,000,000 [1] 4,383,788,000 [1] 0
Redemption of HTM financial assets 0 0 4,665,209,000,000
Disposal of investments in joint ventures and associates 3,855,000,000 3,467,000 62,974,000,000
Disposal of investment properties 2,076,000,000 1,867,000 162,000,000
Disposal of premises and equipment 119,000,000 107,000 1,042,000,000
Disposal of intangible assets 3,779,000,000 3,399,000 933,000,000
Disposal of assets held for sale 50,190,000,000 45,143,000 6,488,000,000
Cash in-flows from investing activities (sub-total) 14,531,026,000,000 13,069,819,000 18,049,297,000,000
Cash out-flows from investing activities [Abstract]      
Net cash in-flows of business combination 71,559,000,000 64,363,000 0
Acquisition of financial assets at FVTPL (IFRS 9) 5,342,987,000,000 [1] 4,805,709,000 [1] 0
Acquisition of financial assets at FVTOCI 5,075,580,000,000 [1] 4,565,192,000 [1] 0
Acquisition of available-for-sale financial assets 0 0 11,268,756,000,000
Acquisition of securities at amortized cost 5,829,462,000,000 [1] 5,243,265,000 [1] 0
Acquisition of HTM financial assets 0 0 5,945,147,000,000
Acquisition of investments in joint ventures and associates 20,048,000,000 18,032,000 13,485,000,000
Acquisition of investment properties 7,311,000,000 6,576,000 1,221,000,000
Acquisition of premises and equipment 42,695,000,000 38,402,000 68,596,000,000
Acquisition of intangible assets 107,344,000,000 96,550,000 97,977,000,000
Cash out-flows from investing activities (sub-total) 16,496,986,000,000 14,838,089,000 17,395,182,000,000
Net cash provided by (used in) investing activities (1,965,960,000,000) (1,768,270,000) 654,115,000,000
Cash in-flows from financing activities [Abstract]      
Increase in borrowings 4,972,075,000,000 4,472,095,000 4,349,952,000,000
Issuance of debentures 10,100,189,000,000 9,084,538,000 10,299,507,000,000
Issuance of hybrid securities 0 0 559,565,000,000
Cash in-flows from financing activities (sub-total) 15,072,264,000,000 13,556,633,000 15,209,024,000,000
Cash out-flows from financing activities [Abstract]      
Repayment of borrowings 4,114,751,000,000 3,700,981,000 7,432,992,000,000
Repayment of debentures 11,441,709,000,000 10,291,158,000 8,223,263,000,000
Payment of dividends 336,636,000,000 302,785,000 269,308,000,000
Dividends paid on hybrid securities 75,683,000,000 68,071,000 100,627,000,000
Redemption of hybrid securities 255,000,000,000 229,358,000 1,323,400,000,000
Dividends paid on non-controlling interests 2,108,000,000 1,896,000 1,534,000,000
Cash out-flows from financing activities (sub-total) 16,225,887,000,000 14,594,249,000 17,351,124,000,000
Net cash used in financing activities (1,153,623,000,000) (1,037,616,000) (2,142,100,000,000)
Net decrease in cash and cash equivalents (1,308,509,000,000) (1,176,929,000) (100,649,000,000)
Cash and cash equivalents, beginning of the period 6,908,286,000,000 6,213,605,000 7,591,324,000,000
Effects of exchange rate changes on cash and cash equivalents 320,791,000,000 288,534,000 (113,551,000,000)
Cash and cash equivalents, end of the period (Note 6) ₩ 5,920,568,000,000 $ 5,325,210,000 ₩ 7,377,124,000,000
[1] The consolidated interim statements of cash flows for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of cash flows for the six months ended June 30, 2017 was not retrospectively restated to apply IFRS 9.
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General
6 Months Ended
Jun. 30, 2018
Disclosure of notes and other explanatory information [Abstract]  
General

 

1.

GENERAL

 

(1)

Summary of the parent company

Woori Bank (hereinafter referred to the “Bank”), which is a controlling entity in accordance with International Financial Reporting Standards (“IFRS”) 10 – Consolidated Financial Statements, was established in 1899 and is engaged in the commercial banking business under the Banking Act, trust business and foreign exchange business under the Financial Investment Services and Capital Market Act.

Previously, Woori Finance Holdings Co., Ltd., the former holding company of Woori Financial Group, established on March 27, 2001 held a 100% ownership of the Bank. Effective November 1, 2014, Woori Finance Holdings Co., Ltd. completed its merger (the “Merger”) with and into the Bank. Accordingly, the shares of the Bank, 597 million shares, prior to the merger, were reduced to nil in accordance with capital reduction procedure, and then, in accordance with the merger ratio, the Bank newly issued 676 million shares. As a result, as of June 30, 2018, the common stock of the Bank amounts to 3,381,392 million Korean Won.

During the year ended December 31, 2016, the Korea Deposit Insurance Corporation (“KDIC”), the majority shareholder of the Bank, sold its 187 million shares in the Bank in accordance with the contract of “Disposal of Woori Bank’s shares to Oligopolistic Shareholders”. In addition to the sale, during the year ended December 31, 2017, KDIC sold additional 33 million shares. As of June 30, 2018 and December 31, 2017, KDIC held 125 million shares (18.43% ownership interest), of the Bank’s shares issued.

On June 24, 2002, Woori Finance Holdings Co., Ltd. listed its common shares on the Korea Exchange through public offering. In addition, on September 29, 2003, the holding company registered with the Securities and Exchange Commission in the United States of America and, on the same day, listed its American Depositary Shares on the New York Stock Exchange. As Woori Finance Holdings Co., Ltd. was merged into the Bank, the Bank, which is the existing company, succeeded such rights and obligations as a listed company on the Korea Exchange and the New York Stock Exchange.

As a result of such merger, the Bank incorporated Woori Card Co., Ltd., Woori Investment Bank Co., Ltd., Woori FIS Co., Ltd., Woori Private Equity Asset Management Co., Ltd., and Woori Finance Research Institute Co., Ltd. as its subsidiaries.

The headquarters of the Bank is located in 51, Sogong-ro, Jung Gu, Seoul, Korea. The Bank has 880 branches and offices in Korea, and 23 branches and offices overseas as of June 30, 2018.

 

(2)

The consolidated financial statements for Woori Bank and its subsidiaries (the “Group”) include the following subsidiaries:

 

          Percentage of ownership
(%)
    Location     Financial
statements
as of
(2018)
 

Subsidiaries

  Main business     June 30,
2018
    December 31,
2017
 

Woori Bank:

         

Woori FIS Co., Ltd.

   

System software
development
& maintenance
 
 
 
    100.0       100.0       Korea       June 30  

Woori Private Equity Asset Management Co., Ltd.

    Finance       100.0       100.0       Korea       June 30  

Woori Finance Research Institute Co., Ltd.

   
Other service
business
 
 
    100.0       100.0       Korea       June 30  

Woori Card Co., Ltd.

    Finance       100.0       100.0       Korea       June 30  

Woori Investment Bank Co., Ltd.

   
Other credit
finance business
 
 
    59.8       59.8       Korea       June 30  

Woori Credit Information Co., Ltd.

    Credit information       100.0       100.0       Korea       June 30  

Woori America Bank

    Finance       100.0       100.0       U.S.A.       June 30  

Woori Global Markets Asia Limited

          100.0       100.0       Hong Kong       June 30  

Woori Bank China Limited

          100.0       100.0       China       June 30  

AO Woori Bank

          100.0       100.0       Russia       June 30  

PT Bank Woori Saudara Indonesia 1906 Tbk

          79.9       79.9       Indonesia       June 30  

Banco Woori Bank do Brasil S.A.

          100.0       100.0       Brazil       June 30  

Korea BTL Infrastructure Fund

          99.9       99.9       Korea       June 30  

Woori Fund Service Co., Ltd.

          100.0       100.0       Korea       June 30  

Woori Finance Cambodia PLC.

          100.0       100.0       Cambodia       June 30  

Woori Finance Myanmar Co., Ltd.

          100.0       100.0       Myanmar       June 30  

Wealth Development Bank

          51.0       51.0       Philippines       June 30  

Woori Bank Vietnam Limited

          100.0       100.0       Vietnam       June 30  

WB Finance Co., Ltd.

          100.0       —         Cambodia       June 30  

Kumho Trust First Co., Ltd. (*1)

    Asset securitization       0.0       0.0       Korea       June 30  

Asiana Saigon Inc. (*1)

          0.0       0.0       Korea       June 30  

Consus Eighth Co., LLC (*1)

          0.0       0.0       Korea       June 30  

KAMCO Value Recreation First Securitization Specialty Co., Ltd. (*1)

          15.0       15.0       Korea       June 30  

Hermes STX Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

BWL First Co., LLC (*1)

          0.0       0.0       Korea       June 30  

Deogi Dream Fourth Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Jeonju Iwon Ltd. (*1)

          0.0       0.0       Korea       June 30  

Wonju I one Inc. (*1)

          0.0       0.0       Korea       June 30  

Heitz Third Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woorihansoop 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Electric Cable First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori International First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori HJ First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori WEBST 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Wibihansoop 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

HNLD 1st Inc.(*4)

          —         0.0       Korea       —    

 

        Percentage of ownership
(%)
    Location   Financial
statements
as of
(2018)
 

Subsidiaries

  Main business   June 30,
2018
    December 31,
2017
 

Uri QS 1st Co., Ltd. (*1)

      0.0       0.0     Korea     June 30  

Uri Display 1st Co., Ltd.(*1)

      0.0       0.0     Korea     June 30  

Tiger Eyes 2nd Co., Ltd.(*1)

      0.0       0.0     Korea     June 30  

Woori Serveone 1st Co., Ltd. (*1)

      0.0       0.0     Korea     June 30  

Uri Display 2nd Co.,Ltd. (*1)

      0.0       —       Korea     June 30  

Woori the Colony Unjung Securitization Specialty Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Woori Dream 1st Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Woori HS 1st Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Smart Casting Inc. (*1)

      0.0       —       Korea     June 30  

HeungkukWoori Tech Company Private Placement Investment Trust No. 1 and 6 beneficiary certificates (*2)

  Securities investment
and others
    —         —       Korea     June 30  

Principle Guaranteed Trust (*3)

  Trust     0.0       0.0     Korea     June 30  

Principle and Interest Guaranteed Trust (*3)

      0.0       0.0     Korea     June 30  

Woori Investment Bank:

         

Dongwoo First Securitization Specialty Co., Ltd. (*1)

  Asset securitization     5.0       5.0     Korea     June 30  

Seari First Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Namjong 1st Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Bukgeum First Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Seori Second Securitization Specialty Co., Ltd. (*1)

  Asset securitization     5.0       —       Korea     June 30  

Bukgeum Second Securitization Specialty Co., Ltd. (*1)

      5.0       —       Korea     June 30  

Woori Card Co., Ltd.:

         

TUTU Finance-WCI Myanmar Co., Ltd.

  Finance     100.0       100.0     Myanmar     June 30  

Woori Card one of 2017-1 Securitization Specialty Co., Ltd. (*1)

  Asset securitization     0.5       0.5     Korea     June 30  

Woori Card one of 2017-2 Securitization Specialty Co., Ltd. (*1)

      0.5       0.5     Korea     June 30  

 

(*1)

The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.

(*2)

The entity was a structured entity for the purpose of investment in securities and was in scope for consolidation, considering that the Group 1) had the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.

(*3)

The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the

 

  power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.
(*4)

The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns.

 

(3)

As of June 30, 2018, and December 31, 2017, despite having more than 50% ownership interest, the Group has not consolidated the following companies as the Group does not have the ability to control following subsidiaries:

 

     As of June 30, 2018  

Subsidiaries

   Location    Main
Business
   Percentage of
ownership (%)
 

Golden Bridge NHN Online Private Equity Investment (*)

   Korea    Securities Investment      60.0  

Mirae Asset Maps Clean Water Private Equity Investment Trust 7th (*)

   Korea    Securities Investment      57.1  

Kiwoom Yonsei Private Equity Investment Trust (*)

   Korea    Securities Investment      88.3  

Hana Walmart Real Estate Investment Trust 41-1 (*)

   Korea    Securities Investment      77.0  

IGIS Global Private Placement Real Estate Fund No. 148-1 (*)

   Korea    Securities Investment      75.0  

IGIS Global Private Placement Real Estate Fund No. 148-2 (*)

   Korea    Securities Investment      75.0  

Mirae Asset Seoul Ring Expressway Private Special Asset Fund I (*)

   Korea    Securities Investment      66.2  

Hangkang Sewage Treatment Plant Fund (*)

   Korea    Securities Investment      55.6  

Consus KyungJu Green Private Placement Real Estate Fund 1st (*)

   Korea    Securities Investment      52.4  

 

(*)

The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.

 

     As of December 31, 2017  

Subsidiaries

   Location    Main
Business
   Percentage of
ownership (%)
 

Golden Bridge NHN Online Private Equity Investment (*)

   Korea    Securities Investment      60.0  

Mirae Asset Maps Clean Water Private Equity Investment Trust 7th (*)

   Korea    Securities Investment      59.7  

Kiwoom Yonsei Private Equity Investment Trust (*)

   Korea    Securities Investment      88.9  

Hana Walmart Real Estate Investment Trust 41-1 (*)

   Korea    Securities Investment      90.1  

IGIS Global Private Placement Real Estate Fund No. 148-1 (*)

   Korea    Securities Investment      75.0  

IGIS Global Private Placement Real Estate Fund No. 148-2 (*)

   Korea    Securities Investment      75.0  

 

(*)

The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.

 

(4)

The summarized financial information before the elimination of intercompany transactions of the subsidiaries whose financial information was prepared under IFRS for the Group’s consolidated financial statements is as follows (Unit: Korean Won in millions):

 

     As of and for the six months ended June 30, 2018  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

Woori FIS Co., Ltd.

     80,851        55,312        138,088        (7,006     (7,040

Woori Private Equity Asset Management Co., Ltd.

     40,799        2,064        556        (1,493     (1,490

Woori Finance Research Institute Co., Ltd.

     4,314        615        2,776        258       258  

Woori Card Co., Ltd.

     9,100,890        7,462,577        944,657        67,618       62,866  

Woori Investment Bank Co., Ltd.

     2,723,251        2,418,664        109,428        14,722       14,878  

Woori Credit Information Co., Ltd.

     34,130        6,167        17,601        839       839  

Woori America Bank

     2,073,420        1,777,327        42,624        11,186       24,091  

Woori Global Markets Asia Limited

     406,684        287,622        7,302        2,156       7,298  

Woori Bank China Limited

     5,120,070        4,596,883        143,390        7,382       25,267  

AO Woori Bank

     277,555        224,860        8,778        2,570       200  

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,349,222        1,858,176        96,177        22,401       15,947  

Banco Woori Bank do Brasil S.A.

     155,083        125,288        7,341        882       (2,515

Korea BTL Infrastructure Fund

     777,576        297        14,704        12,865       12,865  

Woori Fund Service Co., Ltd.

     13,411        977        4,922        1,023       1,023  

Woori Finance Cambodia PLC.

     73,212        52,584        4,912        1,277       2,197  

Woori Finance Myanmar Co., Ltd.

     19,837        6,496        2,086        (187     412  

Wealth Development Bank

     185,866        152,414        6,240        (2     (788

Woori Bank Vietnam Limited

     1,142,018        990,228        23,746        3,545       8,822  

WB Finance Co., Ltd.

     227,582        186,772        —          —         —    

Money trust under the FISCM Act (*)

     1,573,367        1,543,491        24,029        (36     (36

Structured entity for the securitization of financial assets

     1,226,022        1,631,837        32,089        12,202       5,725  

Structured entity for the investments in securities

     41,221        40        785        (798     (1,869

 

(*)

FISCM Act: Financial Investment Services and Capital Markets Act

 

     As of and for the year ended December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

Woori FIS Co., Ltd.

     103,932        71,386        252,460        1,940       (2,963

Woori Private Equity Asset Management Co., Ltd.

     42,894        2,670        7,257        (4,114     (4,074

Woori Finance Research Institute Co., Ltd.

     3,790        350        4,733        83       64  

Woori Card Co., Ltd.

     8,605,993        6,973,705        1,771,157        101,214       107,321  

Woori Investment Bank Co., Ltd.

     1,880,157        1,588,610        183,376        20,023       20,210  

Woori Credit Information Co., Ltd.

     33,298        6,175        31,580        861       752  

Woori America Bank

     1,954,301        1,679,248        81,337        11,869       (16,833

Woori Global Markets Asia Limited

     290,226        178,343        11,345        1,922       (12,544

Woori Bank China Limited

     4,960,637        4,458,683        388,913        13,809       (15,252

AO Woori Bank

     201,704        149,101        15,656        4,748       1,217  

 

     As of and for the year ended December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,230,617        1,745,171        192,485        38,488       (18,689

Banco Woori Bank do Brasil S.A.

     213,889        181,544        20,455        1,843       (2,840

Korea BTL Infrastructure Fund

     786,480        301        30,240        26,390       26,390  

Woori Fund Service Co., Ltd.

     12,653        1,242        9,021        1,398       1,398  

Woori Finance Cambodia PLC.

     51,304        32,873        5,895        983       (473

Woori Finance Myanmar Co., Ltd.

     18,236        5,307        2,506        791       15  

Wealth Development Bank

     191,049        156,808        13,632        1,323       (1,093

Woori Bank Vietnam Limited

     775,758        632,160        29,698        2,436       (15,347

Money trust under the FISCM Act (*)

     1,560,672        1,530,760        44,344        582       582  

Structured entity for the securitization of financial assets

     867,583        1,275,719        22,730        1,179       (2,800

Structured entity for the investments in securities

     34,939        76        377        (475     (38,592

 

(*)

FISCM Act: Financial Investment Services and Capital Markets Act

 

(5)

The financial support that the Group provides to consolidated structured entities is as follows:

 

  -

Structured entity for the securitization of financial assets

The structured entity is established for the purpose of securitization of project financing loans, corporate bonds, and other financial assets. The Group is involved with the structured entity through providing with credit facility over asset-backed commercial papers issued by the entity, originating loans directly to the structured entity, or purchasing 100% of the subordinated debts issued by the structured entity.

 

  -

Structured entity for the investments in securities

The structured entity is established for the purpose of investments in securities. The Group acquires beneficiary certificates through its contribution of fund to the structured entity, and it is exposed to the risk that it may not be able to recover its fund depending on the result of investment performance of asset managers of the structured entity.

 

  -

Money trust under the Financial Investment Services and Capital Markets Act

The Group provides with financial guarantee of principal and interest or principal only to some of its trust products. Due to the financial guarantees, the Group may be obliged to supplement when the principal and interest or principal of the trust product sold is short of the guaranteed amount depending on the result of investment performance of the trust product.

 

  -

The Group is providing purchase commitment and credit facilities to structured entities that are subsidiaries of the Group. Purchase commitments guarantee the purchase and payment of outstanding commercial papers that were issued but were not repurchased by the structured entities. Credit facilities allow lending of funds to structured entities under certain conditions when there are grounds for discontinuing the issuance of commercial papers, or when structured entities default due to some reasons.

As of June 30, 2018, the Group is providing credit facilities (including ABCP purchase commitments, etc.) amounting to 1,156,431 million Won to aforementioned structured entities.

 

(6)

The Group has entered into various agreements with structured entities such as asset securitization vehicles, structured finance and investment funds, and monetary funds. Where it is determined in accordance with IFRS 10 that the Group has no controlling power over such structured entities, the entities are not

 

  consolidated. The nature of interests, which the Group retains, and the risks, to which the Group is exposed, of the unconsolidated structured entities are as follows:

The interests to unconsolidated structured entities, which the Group retains, are classified to asset securitization vehicles, structured finance and investment fund, based on the nature and the purpose of the structured entities.

Asset securitization vehicle issues asset-backed securities and redeems the principal and interest or distributes dividends on asset-backed securities with profits from collecting cash flows or sale of securitized assets. The Group, as a secondary guarantor, provides purchase commitments for its asset-backed securities or guarantees to such asset securitization vehicle and recognizes commission income or interest income related to the commitment or guarantees. Therefore, the Group would be exposed to risks to purchases or pays back asset-backed securities issued by the vehicles when a primary guarantor fails to provide the financing asset securitization vehicles.

Structured finance includes investments in project financing on real estates, social overhead capital (“SOC”), infrastructure and shipping finance. They are formed as special purpose entity by funding through equity investments and loans from various investors. Investment decisions are made by the Group based on business outlook of such projects. In relation to such investments, the Group recognizes interest income on loans, gains or losses on valuation of equity investments or dividend income. The structured finance is secured by additional funding agreement, guarantee or credit facilities. However, the structured financing project would fail to return the capital of equity investments or principal of loans to the Group if it is discontinued or did not achieve business outcome.

Investment funds include trusts and private equity funds. A trust is formed by contributions from various investors, operated by a manager engaged to the trust and distributed proceeds from sales of investments to the investors. A private equity fund is established in order to acquire ownership interests in a portfolio company with exit strategy after implementing financial and operational restructuring of the company. The Group recognizes unrealized gains or losses on change in value of investments in proposition of ownership interests in investments. The Group would be exposed to risks of loss when the value of portfolio investment is decreased.

Total assets of the unconsolidated structured entities, the carrying value of the related items recorded, the maximum exposure to risks, and the loss recognized in conjunction with the unconsolidated structured entities as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Asset
securitization
vehicle
     Structured
finance
     Investment
Funds
 

Total asset of the unconsolidated structured entities

     7,955,990        36,949,944        14,777,372  

Assets recognized in the consolidated financial statements related to the unconsolidated structured entities

     2,956,395        2,162,493        1,333,612  

Financial assets at FVTPL

     232,931        69,259        1,079,544  

Financial assets at FVTOCI

     499,861        49,538        —    

Financial assets at amortized cost

     2,223,211        2,039,184        10,697  

Investments in joint ventures and associates

     —          885        243,371  

Derivative assets

     392        3,627        —    

Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities

     1,442        1,587        81  

Derivative liabilities

     361        749        —    

Other liabilities (including provisions)

     1,081        838        81  

The maximum exposure to risks

     3,697,522        2,818,678        1,398,067  

Investments

     2,956,395        2,162,493        1,333,612  

Credit facilities

     741,127        656,185        64,455  

Loss recognized on unconsolidated structured entities

     158        8,757        9,110  

 

     December 31, 2017  
     Asset
securitization
vehicle
     Structured
finance
     Investment
Funds
 

Total asset of the unconsolidated structured entities

     7,295,601        40,172,830        13,641,135  

Assets recognized in the consolidated financial statements related to the unconsolidated structured entities

     3,215,159        2,314,043        1,138,523  

Loans and receivables

     43,180        1,969,760        —    

Financial assets held for trading

     —          233,428        10,160  

AFS financial assets

     902,390        106,819        904,774  

HTM financial assets

     2,269,451        —          —    

Investments in joint ventures and associates

     —          —          223,589  

Derivative assets

     138        4,036        —    

Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities

     1,433        1,506        —    

Derivative liabilities

     575        968        —    

Other liabilities (including provisions)

     858        538        —    

The maximum exposure to risks

     4,032,531        2,918,448        1,138,523  

Investments

     3,215,159        2,314,043        1,138,523  

Credit facilities

     817,372        604,405        —    

Loss recognized on unconsolidated structured entities

     837        3,939        5,993  

 

(7)

Subsidiaries of which non-controlling interests are significant to the Group’s consolidated financial statements are as follows (Unit: Korean Won in millions):

 

  1)

Accumulated non-controlling interests at the end of the reporting period

 

     June 30, 2018      December 31, 2017  

Woori Investment Bank

     125,809        119,111  

PT Bank Woori Saudara Indonesia 1906 Tbk

     66,004        64,877  

Wealth Development Bank

     16,391        16,778  

 

  2)

Net income attributable to non-controlling interests

 

    For the six months ended
June 30, 2018
    For the six months ended
June 30, 2017
 

Woori Investment Bank

    5,912       5,072  

PT Bank Woori Saudara Indonesia 1906 Tbk

    4,508       5,048  

Wealth Development Bank

    (1     515  

 

  3)

Dividends to non-controlling interests

 

     For the six months ended
June 30, 2018
     For the six months ended
June 30, 2017
 

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,082        1,513  
XML 23 R7.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies
6 Months Ended
Jun. 30, 2018
Accounting policies [Abstract]  
Basis of preparation and significant accounting policies

 

2.

BASIS OF PREPARATION AND SIGNIFICANT ACCOUNTING POLICIES

Basis of presentation

The Group’s consolidated interim financial statements are prepared in accordance with International Financial Reporting Standards (“IFRS”) 34, Interim Financial Reporting and IFRS 10, Consolidated Financial Statements. It is necessary to use the annual consolidated financial statements for the year ended December 31, 2017 for understanding of the accompanying interim financial statements.

 

Unless stated below, the accounting policies applied in preparing the accompanying consolidated interim financial statements have been applied consistently with the annual consolidated financial statements as of and for the year ended December 31, 2017.

 

(1)

The Group has newly adopted the following adoption of IFRS that affected the Group’s accounting policies:

 

  -

Adoption of IFRS 9 – Financial instruments (enacted)

The Group applied for the first time as of January 1, 2018, the adoption to IFRS 9 and other standards related to IFRS 9, which introduces new rules: 1) classification and measurement of financial assets and financial liabilities, 2) impairment of financial assets, and 3) hedge accounting.

The Group decided not to restate the prior period figures when applying the Standard for the first time, thus the comparative financial statements presented are not restated.

The main contents of the new accounting standard and the effect on the financial statements of the Group are as follows:

a) Classification and measurement of financial assets and financial liabilities

All financial assets included in the scope of IFRS 9 are subsequently measured at amortized cost or fair value based on the business model for the management of financial assets and the nature of the contractual cash flows.

Debt instruments that are held within a business model whose objective is to collect the contractual cash flows, and that have contractual cash flows that are solely payments of principal and interest on the principal outstanding are generally measured at amortized cost at the end of subsequent accounting periods (financial assets at amortized cost).

Debt instruments that are held within a business model whose objective is achieved both by collecting contractual cash flows and selling financial assets, and that have contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding, are generally measured at fair value through other comprehensive income (financial assets at fair value through other comprehensive income (“FVTOCI”)).

All other debt instruments and equity instruments are measured at their fair value at the end of subsequent accounting periods (financial assets at fair value through profit or loss (“FVTPL”)).

Notwithstanding the foregoing, the Group may make the following irrevocable choice or designation at the time of initial recognition of financial assets.

The Group may make an irrevocable election to present in other comprehensive income subsequent changes in the fair value of an investment in an equity instrument within the scope of this Standard that is neither held for trading nor contingent consideration recognized by an acquirer in a business combination to which IFRS 3(R) applies.

At initial recognition, financial assets at amortized cost or FVTOCI may be irrevocably designated as financial assets at fair value through profit or loss mandatorily measured at fair value if doing so eliminate or significantly reduce a measurement or recognition inconsistency.

As of the date of first adoption of IFRS 9, there are no debt instruments classified either as financial assets at amortized cost or FVTOCI that are designated as financial assets at fair value through profit or loss.

When debt instruments measured at FVTOCI are removed, the cumulative gain or loss recognized in other comprehensive income is reclassified from equity to profit or loss as a reclassification adjustment. On the other hand, for equity instruments designated as financial assets at fair value through other comprehensive income, cumulative gains or losses previously recognized in other comprehensive income are not subsequently reclassified to profit or loss. Debt instruments measured subsequently at amortized cost or fair value through other comprehensive income are subject to impairment provisions.

 

The classification and measurement of financial assets and financial liabilities in accordance with IFRS 9 and IAS 39 as of January 1, 2018 are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassificati-
on
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    8,870,835       —         —         8,870,835  

Deposit

 

Financial assets at FVTPL

 

Financial assets at FVTPL

    25,972       —         —         25,972  

Debt securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    2,654,027       —         —         2,654,027  

Equity securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    47,304       —         —         47,304  

Derivatives

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    3,115,775       (2,137     —         3,113,638  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL(*)

    1,273,498       1,219       —         1,274,717  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    850,207       —         —         850,207  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL

    46,855       —         —         46,855  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    12,874,209       —         —         12,874,209  

Debt securities

 

Available-for-sale financial assets

 

Securities at amortized cost

    308,181       —         14,119       322,300  

Debt securities

 

Held to maturity financial assets

 

Securities at amortized cost

    16,749,296       —         —         16,749,296  

Loans

 

Loans and receivables

 

Financial assets at FVTPL (*)

    279,032       918       50       280,000  

Loans

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    253,014,491       —         —         253,014,491  

Derivatives

 

Derivatives

 

Derivatives

    59,272       —         —         59,272  

Other financial assets

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    6,772,088       —         —         6,772,088  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial assets

    306,941,042       —         14,169       306,955,211  
     

 

 

   

 

 

   

 

 

   

 

 

 

 

  (*)

Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassifica-
tion
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit due to customers

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    25,964       —         —         25,964  

Deposit due to customers

 

Deposit due to customers

 

Financial liabilities at amortized cost

    234,695,084       —         —         234,695,084  

Borrowings

 

Borrowings

 

Financial liabilities at amortized cost

    14,784,706       —         —         14,784,706  

Debentures

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    91,739       —         —         91,739  

Debentures

 

Debentures

 

Financial liabilities at amortized cost

    27,869,651       —         —         27,869,651  

Equity-linked securities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    160,057       —         —         160,057  

Derivatives liabilities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    3,150,149       —         —         3,150,149  

Derivatives liabilities

 

Derivatives liabilities

 

Derivatives liabilities

    67,754       —         —         67,754  

Other financial liabilities

 

Other financial liabilities

 

Financial liabilities at amortized cost

    13,892,461       —         —         13,892,461  

Provision for financial guarantee

 

Provision for financial guarantee

 

Financial liabilities at amortized cost

    71,697       —         —         71,697  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial liabilities

    294,809,262       —         —         294,809,262  
     

 

 

   

 

 

   

 

 

   

 

 

 

At the date of the initial application of IFRS 9, there were no financial assets or liabilities measured at FVTPL that were reclassified to FVTOCI or amortized cost category.

As of the date of first adoption of IFRS 9, the amount of valuation gain or loss and the fair value of financial assets that would have been recognized in the book, had the entity decided not to reclassify financial assets at FVTPL or FVTOCI that has been reclassified into financial assets at amortized cost, are as follows: (Unit: Korean Won in millions)

 

Account subject

  

Category before the adoption of
IFRS 9

   Amount of valuation gain/loss had
it not been reclassified
    Fair value  

Debt securities

   AFS securities      (236     302,638  

b) Impairment of financial assets

The impairment model under IFRS 9 reflects expected credit losses, as opposed to incurred credit losses under IAS 39. Under the impairment approach in IFRS 9, it is no longer necessary for a credit event to have occurred before credit losses are recognized. Instead, the Group accounts for expected credit losses and changes in those expected credit losses. The amount of expected credit losses should be updated at each reporting date to reflect changes in credit risk since initial recognition.

The Group is required to recognize the expected credit losses for financial instruments measured at amortized cost or FVTOCI, and loan commitments and financial guarantee contracts that are subject to the impairment provisions of IFRS 9. In particular, when the credit risk of the financial instruments are significantly increased after initial recognition, or when the credit quality of the financial instruments are already impaired at acquisition, the loss allowance is measured as the expected credit loss for the whole life of the financial assets. If the credit risk of a financial instruments does not increase significantly after initial

 

recognition (excluding POCI loans - for financial assets already impaired at initial recognition), the Group measures the loss allowance on the financial instruments at the amount equivalent to the expected 12-month credit loss.

Management determined the credit risk at the date of initial recognition of the financial instrument in accordance with IFRS 9 and provided a reasonable and supportive measure that can be used without undue cost or effort in comparison with the credit risk of the initial application date (January 1, 2018) the Group used information that could be used to assess the impairment of the Group’s financial assets, lending arrangements and financial guarantees at the date of initial application. As of January 1, 2018, the evaluation results are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

   Loss allowance
per IAS 39 (A)
     Loss allowance
per IFRS 9 (B)
     Increases
(B-A)
 

Deposit

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     2,458        3,092        634  

Debt securities

            

AFS debt securities

 

AFS financial assets

 

Financial assets at FVTOCI

     —          4,236        4,236  

HTM securities

 

HTM financial assets

 

Securities at amortized cost

     —          5,078        5,078  

Loans and other financial assets

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     1,827,785        2,076,873        249,088  

Payment guarantee

         183,247        192,924        9,677  

Loan commitment

         66,115        104,985        38,870  
      

 

 

    

 

 

    

 

 

 

Total

     2,079,605        2,387,188        307,583  
      

 

 

    

 

 

    

 

 

 

c) Classification and measurement of financial liabilities

One of the major changes related to the classification and measurement of financial liabilities as a result of the adoption of IFRS 9 is the change in the fair value of financial liabilities designated at fair value through profit or loss due to the changes in issuer’s own credit risk. The Group recognizes the effect of changes in the credit risk of financial liabilities designated as at FVTOCI in other comprehensive income, except for cases where it causes or disproves accounting mismatch of the profit or loss. Changes in fair value due to credit risk of financial liabilities are not subsequently reclassified to profit or loss, but are reclassified as retained earnings when financial liabilities are eliminated.

In accordance with IAS 39, the entire of changes in fair value of financial liabilities designated as at FVTPL are recognized in profit or loss. As of January 1, 2018, the Group designated 251,796 million Korean Won of FVTPL out of 294,813,795 million of financial liabilities, and recognized 133 million Korean Won as accumulated other comprehensive loss in relation to the changes in credit risk of financial liabilities.

d) Hedge accounting

The new hedge accounting model maintains three types of hedge accounting. However, it is introduced more flexibility in the types of transactions that are eligible for hedge accounting and is expanded the types of hedging instruments and non-financial hedge items that qualify for hedge accounting. As a whole, it has been amended and replaced by the principle of “economic relationship” between the hedged item and the hedging instrument. Retrospective assessment of the hedging effectiveness is no longer required. Additional disclosure requirements have been introduced in relation to the Group’s risk management activities.

 

In accordance with the transitional provisions of IFRS 9 on hedge accounting, the Group adopted the hedge accounting provisions of IFRS 9 prospectively from January 1, 2018. As of the date of initial application, the Group has considered that the hedging relationship in accordance with IAS 39 is appropriate for hedge accounting under IFRS 9, thus the hedging relationship is considered to exist continually. Since the major conditions for hedging instruments and the hedged items are consistent, all hedging relationships are consistent with the effectiveness assessment requirements of IFRS 9. The Group has not designated a hedging relationship in accordance with IFRS 9 in which the hedge relationship would not have met the requirements for hedge accounting under IAS 39.

Consistent with prior periods, the Group continues to designate fair value changes in interest rate swaps as hedging instruments in the fair value hedge relationship.

e) Effect on equity as a result of adoption of IFRS 9

The effect on equity due to the adoption of IFRS 9 as of January 1, 2018 is as follows (Unit: Korean Won in millions):

 

  -

Impact on accumulated other comprehensive loss as result of financial assets at FVTOCI, etc.

 

     Amount  

Beginning balance (prior to IFRS 9)

     (89,723

Reclassification

     (392,177

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     494  

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     (152,124

Recognition of expected credit losses of debt securities at FVTOCI

     4,293  

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     (397,508

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     (133

Others

     3,005  

Income tax effect

     149,796  
  

 

 

 

Ending balance (based on IFRS 9)

     (481,900
  

 

 

 

 

  -

Retained earnings impact

 

     Amount  

Beginning balance (prior to IFRS 9)

     15,620,006  

Reclassification

     177,091  

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     (494

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     152,067  

Recognition of expected credit losses of debt instruments at FVTOCI

     (4,236

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     397,508  

Effect on revaluation of financial assets at amortized cost from loan and receivables or AFS financial assets

     282  

Recognition of expected credit losses of financial assets at amortized cost which were previously loan and receivables

     (240,683

Effect of payment guarantees / unused commitments on liabilities

     (48,548

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     133  

Others

     (4,456

Income tax effect

     (74,482
  

 

 

 

Ending balance (based on IFRS 9)

     15,797,097  
  

 

 

 

 

  -

Adoption of IFRS 15 – Revenue from contracts with customers (enacted)

The Group adopted IFRS 15 for the first time and decided to retrospectively apply the cumulative effect of the first application of IFRS 15 as of January 1, 2018. In addition, the Standard has been retrospectively applied only to contracts that are not completed on the date of initial application, and all contractual changes made prior to the first application date are not rewritten.

In addition, the Group decided not to restate the prior periods when applying IFRS 15 for the first time. Accordingly, the Group has not retroactively restated the comparative consolidated financial statements presented herein.

 

  -

Amendments to IFRS 2 – Classification and Measurement of Share-based Payment Transactions

The amendments clarify the following; i) In estimating the fair value of a cash-settled share-based payment, the accounting for the effects of vesting and non-vesting conditions should follow the same approach as for equity-settled share-based payments ii) Where tax law or regulation requires an entity to withhold a specified number of equity instruments equal to the monetary value of the employee’s tax obligation to meet the employee’s tax liability which is then remitted to the tax authority, i.e. the share-based payment arrangement has a ‘net settlement feature’, such an arrangement should be classified as equity-settled in its entirety, provided that the share-based payment would have been classified as equity-settled had it not included the net settlement feature, iii) A modification of a share-based payment that changes the transaction from cash-settled to equity-settled should be accounted for as follows; a) the original liability is derecognized; b) the equity-settled share-based payment is recognized at the modification date fair value of the equity instrument granted to the extent that services have been rendered up to the modification date; and c) any difference between the carrying amount of the liability at the modification date and the amount recognized in equity should be recognized in profit or loss immediately.

 

  -

Amendments to IAS 40 – Transfers of Investment Property

The amendments clarify that a transfer to, or from, investment property necessitates an assessment of whether a property meets the definition of investment property, supported by observable evidence that a change in use has occurred. The amendments further clarify that the situations listed in IAS 40 are not exhaustive and that a change in use is possible for properties under construction (i.e. a change in use is not limited to completed properties).

 

  -

Amendments to IFRIC 22 – Foreign Currency Transactions and Advance Consideration

IFRIC 22 addresses how to determine the ‘date of transaction’ for the purpose of determining the exchange rate to use on initial recognition of an asset, expense or income (or part of them), when consideration for that item has been paid or received in advance in a foreign currency which resulted in the recognition of a non-monetary asset or non-monetary liability (e.g. a non-refundable deposit or deferred revenue).

The Interpretation specifies that the date of transaction is the date on which the entity initially recognizes the non-monetary asset or non-monetary liability arising from the payment or receipt of advance consideration. If there are multiple payments or receipts in advance, the Interpretation requires an entity to determine the date of transaction for each payment or receipt of advance consideration.

 

  -

Annual Improvements to IFRS 2014-2016 Cycle

The amendments include partial amendments to IFRS 1 ‘First-time Adoption of IFRS’ and IAS 28 ‘Investments in Associates and Joint Ventures.’ Amendments to IAS 28 provide that an investment company such as a venture capital investment vehicle may selectively designate each of its investment in associates and/or joint ventures to be measured at fair value through profit or loss mandatorily measured at fair value, and that such designation must be made at the time of each investment’s initial recognition. In addition, when non-investment companies apply equity method to investment in associates and/or joint ventures that are investment companies, these companies may apply the same fair value measurement used by the said associates to value their own subsidiaries. This accounting treatment may be selectively applied to each associate.

 

There are no significant impacts on financial statements due to newly adopted accounting standards except for IFRS 9.

 

(2)

The Group has not applied the following IFRS that have been issued but are not yet effective:

 

  -

IFRS 16—Leases (enacted)

IFRS 16 introduces a comprehensive model for the identification of lease arrangements and accounting treatments for both lessors and lessees. IFRS 16 will supersede the current lease guidance including IAS 17 Leases and the related interpretations, and will be applied to periods beginning on or after January 1, 2019.

IFRS 16 distinguishes leases and service contracts on the basis of whether an identified asset is controlled by a customer. Distinctions of operating leases and finance leases are removed for lessee accounting, and is replaced by model where a right-of-use asset and corresponding liability have to be recognized for all leases by lessees except for short-term leases and leases of low value assets.

The right-of-use asset is initially measured at cost and subsequently measured at cost (subject to certain exceptions) less accumulated depreciation and impairment losses, adjusted for any remeasurement of the lease liability. The lease liability is initially measured at the present value of the lease payments that are not paid at that date. Subsequently, the lease liability is adjusted for interest and lease payments, as well as the impact of lease modifications, amongst others. Furthermore, the classification of cash flows will also be affected as operating lease payments under IAS 17 are presented as operating cash flows; whereas under the IFRS 16 model, the lease payments will be split into a principal and an interest portion which will be presented as financing and operating cash flows respectively.

In contrast to lessee accounting, IFRS 16 substantially carries forward the lessor accounting requirements in IAS 17, and continues to require a lessor to classify a lease either as an operating lease or a finance lease. Also, IFRS 16 requires expanded disclosures.

According to the preliminary assessment of the Group, the lease agreements entered into by the Group as of June 30, 2018 are expected to meet the definition of lease under the Standard, and accordingly, if the Group adopts the Standard, it applies to all leases except short-term leases and leases of low value assets, and the Group will recognize the right-of-use assets and related liabilities accordingly. The Group is currently analyzing the potential impact of this standards as of June 30, 2018.

XML 24 R8.htm IDEA: XBRL DOCUMENT v3.10.0.1
Significant accounting estimates and assumptions
6 Months Ended
Jun. 30, 2018
Disclosure of accounting judgements and estimates [Abstract]  
Significant Accounting Estimates And Assumptions

 

3.

SIGNIFICANT ACCOUNTING ESTIMATES AND ASSUMPTIONS

In the application of the Group’s accounting policies to the interim financial statements, management is required to make judgments, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. Actual results can differ from those estimates based on such definitions.

The significant judgments which management has made about the application of the Group’s accounting policies and key sources of uncertainty in estimate do not differ from those used in preparing the consolidated financial statements for the year ended December 31, 2017, except the Group’s policy, accounting estimates and assumptions described below;

 

(1)

Income taxes

The Group is operating in numerous countries and the income generated from these operations is subject to income taxes based on tax laws and interpretations of tax authorities in numerous jurisdictions. There are many transactions and calculations which makes the ultimate tax determination uncertain. If certain portion of the taxable income is not used for investments, increase in wages, and others in accordance with the Tax System for Promotion of investment and Collaborative Cooperation (Recirculation of Corporate Income), the Group is liable to pay additional income tax calculated based on the tax laws. The new tax system is effective for three years from 2018. Accordingly, the measurement of current and deferred income tax is affected by the tax effects from

 

the new system. As the Group’s income tax is dependent on the investments, increase in wages, and others, there exists uncertainty with regard to measuring the final tax effects.

 

(2)

Provisions for credit losses (allowances for loan losses, provisions for acceptances and guarantees, and unused loan commitments)

In accordance with IFRS 9, the Group tests impairment and recognizes allowances for losses on financial assets classified at amortized cost, and debt instruments measured at fair value through other comprehensive income and lease receivables through impairment testing and recognizes provisions for guarantees, and unused loan commitments. Accuracy of provisions for credit losses is dependent upon estimation of expected cash flows of the borrower for individually assessed allowances of loans, and upon assumptions and methodology used for collectively assessed allowances for the Group’s of loans, guarantees and unused loan commitments.

XML 25 R9.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management
6 Months Ended
Jun. 30, 2018
Disclosure of risk management [Abstract]  
Disclosure of risk management

4. RISK MANAGEMENT

The Group’s operating activity is exposed to various financial risks. The Group is required to analyze and assess the level of complex risks, and determine the permissible level of risks and manage such risks. The Group’s risk management procedures have been established to improve the quality of assets for holding or investment purposes by making decisions as how to avoid or mitigate risks through the identification of the source of the potential risks and their impact.

The Group has established an approach to manage the acceptable level of risks and reduce the excessive risks in financial instruments in order to maximize the profit given risks present, for which the Group has implemented processes for risk identification, assessment, control, and monitoring and reporting.

The risk is managed by the risk management department in accordance with the Group’s risk management policy. The Risk Management Committee makes decisions on the risk strategies such as the allocation of risk capital and the establishment of acceptable level of risk.

 

(1)

Credit risk

Credit risk represents the possibility of financial losses incurred when the counterparty fails to fulfill its contractual obligations. The goal of credit risk management is to maintain the Group’s credit risk exposure to a permissible degree and to optimize its rate of return considering such credit risk.

 

  1)

Credit risk management

The Group considers the probability of failure in performing the obligation of its counterparties, credit exposure to the counterparty, the related default risk and the rate of default loss. The Group uses the credit rating model to assess the possibility of counterparty’s default risk; and when assessing the obligor’s credit grade, the Group utilizes credit grades derived using statistical methods.

In order to manage credit risk limit, the Group establishes the appropriate credit line per obligor, company or industry. It monitors obligor’s credit line, total exposures and loan portfolios when approving the loan.

The Group mitigates credit risk resulting from the obligor’s credit condition by using financial and physical collateral, guarantees, netting agreements and credit derivatives. The Group has adopted the entrapment method to mitigate its credit risk. Credit risk mitigation is reflected in qualifying financial collateral, trade receivables, guarantees, residential and commercial real estate and other collaterals. The Group regularly performs a revaluation of collateral reflecting such credit risk mitigation.

 

  2)

Maximum exposure to credit risk

The Group’s maximum exposure to credit risk refers to net book value of financial assets net of allowances, which shows the uncertainties of maximum changes of net value of financial assets attributable to a particular risk without considering collateral and other credit enhancements obtained. However, the maximum exposure is the fair value amount (recorded on the books) for derivatives, maximum contractual obligation for payment guarantees and unused commitment.

The maximum exposure to credit risk is as follows (Unit: Korean Won in millions):

 

          June 30, 2018      December 31, 2017  

Loans and other financial assets at amortized cost

   Korean treasury and government agencies      17,912,135        —    
  

Banks

     21,942,788        —    
  

Corporates

     92,333,155        —    
  

Consumers

     145,531,925        —    
     

 

 

    

 

 

 
  

Subtotal

     277,720,003        —    
     

 

 

    

 

 

 

Loans and receivables

   Korean treasury and government agencies      —          8,823,584  
  

Banks

     —          26,845,309  
  

Corporates

     —          90,570,551  
  

Consumers

     —          140,866,760  
     

 

 

    

 

 

 
  

Subtotal

     —          267,106,204  
     

 

 

    

 

 

 

Financial assets at FVTPL (IFRS 9)

   Deposit      24,921        —    
  

Debt securities

     1,993,851        —    
  

Loans and receivables

     336,967        —    
  

Derivative assets

     2,391,211        —    
     

 

 

    

 

 

 
  

Subtotal

     4,746,950        —    
     

 

 

    

 

 

 

Financial assets at FVTPL (IAS 39)

   Deposit      —          25,972  
  

Debt securities

     —          2,644,333  
  

Financial assets designated at FVTPL

     —          9,694  
  

Derivative assets

     —          3,115,775  
     

 

 

    

 

 

 
  

Subtotal

     —          5,795,774  
     

 

 

    

 

 

 

Financial assets at FVTOCI

   Debt securities      13,738,829        —    

AFS financial assets

   Debt securities      —          13,229,244  

Securities at amortized cost

   Debt securities      17,702,129        —    

HTM financial assets

   Debt securities      —          16,749,296  

Derivative assets

   Derivative assets (hedging)      12,395        59,272  

Off-balance accounts

   Guarantees      12,372,573        12,859,715  
   Loan commitments      98,251,006        80,760,325  
     

 

 

    

 

 

 
  

Subtotal

     110,623,579        93,620,040  
     

 

 

    

 

 

 
  

total

     424,543,885        396,559,830  
     

 

 

    

 

 

 

 

  a)

Credit risk exposure by geographical areas

The following tables analyze credit risk exposure by geographical areas (Unit: Korean Won in millions):

 

    June 30, 2018  
    Korea     China     USA     UK     Japan     Others (*)     Total  

Loans and other financial assets at amortized cost

    258,023,468       4,589,930       4,514,541       1,268,461       400,907       8,922,696       277,720,003  

Securities at amortized cost

    17,531,402       —         64,856       —         —         105,871       17,702,129  

Financial assets at FVTPL

    4,493,256       6,077       —         147,242       —         100,375       4,746,950  

Financial assets at FVTOCI

    12,749,695       50,874       43,352       78,485       2,274       814,149       13,738,829  

Derivative assets

    7,450       —         —         4,945       —         —         12,395  

Off-balance accounts

    108,052,029       928,841       175,050       70,503       31,216       1,365,940       110,623,579  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    400,857,300       5,575,722       4,797,799       1,569,636       434,397       11,309,031       424,543,885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

    December 31, 2017  
    Korea     China     USA     UK     Japan     Others (*)     Total  

Loans and receivables

    250,678,479       4,104,912       2,823,247       1,094,988       381,890       8,022,688       267,106,204  

Financial assets at FVTPL

    5,551,870       2,937       —         148,955       —         92,012       5,795,774  

AFS debt securities

    12,407,602       52,259       151,131       —         —         618,252       13,229,244  

HTM securities

    16,606,692       —         63,732       —         —         78,872       16,749,296  

Derivative assets

    16,590       —         —         42,682       —         —         59,272  

Off-balance accounts

    91,603,852       529,193       172,570       66,974       25,039       1,222,412       93,620,040  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    376,865,085       4,689,301       3,210,680       1,353,599       406,929       10,034,236       396,559,830  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Others consist of financial assets in Indonesia, Hong Kong, Singapore, and other countries.

 

  b)

Credit risk exposure by industries

The following tables analyze credit risk exposure by industries, which are service, manufacturing, finance and insurance, construction, individuals and others in accordance with the Korea Standard Industrial Classification Code (Unit: Korean Won in millions):

 

    June 30, 2018  
    Service     Manufacturing     Finance and
insurance
    Construction     Individuals     Others     Total  

Loans and other financial assets at amortized cost

    48,025,922       35,583,702       42,207,115       3,657,220       138,906,711       9,339,333       277,720,003  

Securities at amortized cost

    1,142,178       —         11,516,407       313,936       —         4,729,608       17,702,129  

Financial assets at FVTPL

    97,529       166,054       3,404,674       43,899       3,019       1,031,775       4,746,950  

Financial assets at FVTOCI

    434,389       54,445       9,020,012       214,549       —         4,015,434       13,738,829  

Derivative assets

    —         —         12,395       —         —         —         12,395  

Off-balance accounts

    18,236,857       22,675,034       9,503,718       4,052,757       49,105,163       7,050,050       110,623,579  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    67,936,875       58,479,235       75,664,321       8,282,361       188,014,893       26,166,200       424,543,885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

    December 31, 2017  
    Service     Manufacturing     Finance and
insurance
    Construction     Individuals     Others     Total  

Loans and receivables

    47,192,641       34,502,509       38,260,051       3,574,746       133,094,287       10,481,970       267,106,204  

Financial assets at FVTPL

    100,766       83,239       4,640,068       15,073       1,040       955,588       5,795,774  

AFS debt securities

    707,737       37,719       7,331,774       153,534       —         4,998,480       13,229,244  

HTM securities

    1,348,754       —         10,962,149       296,214       —         4,142,179       16,749,296  

Derivative assets

    —         —         59,272       —         —         —         59,272  

Off-balance accounts

    16,892,926       21,427,378       9,841,379       3,842,479       36,928,554       4,687,324       93,620,040  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    66,242,824       56,050,845       71,094,693       7,882,046       170,023,881       25,265,541       396,559,830  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

  3)

Credit risk exposure

The allowance to be recognized under IFRS 9 is the amount of expected 12-month credit loss or the expected lifetime credit loss, according to the three stages of credit risk deterioration since initial recognition as shown below:

 

     Stage 1      Stage 2    Stage 3
   Credit risk has not significantly
increased since initial recognition (*)
     Credit risk has
significantly increased
since initial
recognition
   Credit has been
impaired

Allowance for expected credit losses

     Expected 12-month credit losses:      Expected lifetime credit losses:
    


Expected credit losses due to
possible defaults on financial
instruments within a 12-month
period from the reporting date.
 
 
 
 
  

Expected credit losses from all possible defaults during the expected lifetime of the financial instruments.

 

(*)

Credit risk may be considered to not have been significantly increased when credit risk is low at the reporting date.

The Group has estimated the allowance for credit losses based on experience losses with taken account of forward-looking information.

The probability of default and loss at given default per financial assets considering account type of borrowers, credit rate grade, portfolio are used in estimation of allowance for expected credit losses and those factors are reviewed periodically to reduce the difference of expected losses and actual losses.

The Group also measures expected credit losses using supportive and reasonable macroeconomic indicators, such as economic growth rates, interest rates, and composite stock indices. The methods for the estimation of forward-looking are also regularly reviewed.

The Group undertakes the following procedures in order to predict and apply the forward-looking economic information:

- Development of a prediction model by analyzing the correlation between macroeconomic data and yearly default rate of corporate and retail exposures.

- Calculation of predicted annual default rate by applying forward-looking economic information, which includes estimated macroeconomic indices provided by verified institutions such as Bank of Korea and National Assembly Budget Office, to the prediction model developed.

- If the predicted default rate is above the applicable default rate of the current period, application of the increase in default rate as a form of adjustment coefficient to the forward-looking economic information, thereby adjusting the current period estimation.

 

At the end of each period the Group evaluates whether there has been a significant increase in the credit risk since initial recognition. The Group is assessing the change in the risk of a default occurring over the expected life of the financial instruments instead of the change in the amount of expected credit losses. The Group distinguishes corporates/consumers exposures when determining significant increase in credit risk, and the applied methodology is as follows:

 

Corporates exposure

  

Consumers exposure

Under precautionary in assets quality

More than 30 days past due

Watch grade in early warning system

Significant change of borrower financial situation (Working capital deficiencies, Adverse opinion, Disclaimer of opinion)

Significant decreases in credit ratings

  

Under precautionary in assets quality

More than 30 days past due

Significant decreases in credit ratings

At the end of each reporting period, the Group assesses whether there is a significant increase in credit risk at the end of the reporting period compared to its initial recognition. The Group uses credit ratings, asset soundness, early warning systems, and delinquency days to determine whether the credit risk has significantly increased.

The financial assets are impaired if the following conditions are met;

- The principal and interest of the loan has been overdue for more than 90 days due to the serious deterioration of the credit condition,

- It is deemed that the borrowers will not pay any portion of the debts without actions of recourse such as the disposition of the collateral is not taken

- Objective evidence of impairment of financial assets are identified

The Group writes off assets when it is determined that the receivables are virtually impossible to collect. The Group determines which receivable to write-off and subsequently writes them off in accordance with the company’s policy. Regardless of whether assets have been written off, the Group may continue to exercise its right of collection in accordance with company’s policy on receivables collection.

 

  a)

Financial assets

The maximum exposure to credit risk, except for financial assets at FVTPL and derivative asset is as follows (Unit: Korean Won in millions):

 

    June 30, 2018  
    Stage 1     Stage 2     Stage 3     Total     Loss
allowance
    Total, net     Collateral
value of
damaged
property
 
    Above
appropriate
credit rating
(*1)
    Less than a
limited
credit rating
(*2)
    Above
appropriate
credit
rating (*1)
    Less than a
limited credit
rating
(*2)
 

Loans and other financial assets at amortized cost

    246,719,865       18,794,529       6,195,331       5,772,369       2,068,664       279,550,758       (1,830,755     277,720,003       789,660  

Korean treasury and government agencies

    17,916,231       —         —         —         —         17,916,231       (4,096     17,912,135       —    

Banks

    21,599,560       83,471       269,742       —         10,905       21,963,678       (20,890     21,942,788       —    

Corporates

    72,113,414       15,745,380       582,857       3,618,576       1,482,948       93,543,175       (1,210,020     92,333,155       555,228  

General business

    42,620,870       6,674,237       510,663       1,681,120       1,231,634       52,718,524       (843,365     51,875,159       405,304  

Small- and medium-sized enterprise

    25,012,286       8,491,759       72,194       1,766,232       222,804       35,565,275       (327,323     35,237,952       130,181  

Project financing and others

    4,480,258       579,384       —         171,224       28,510       5,259,376       (39,332     5,220,044       19,743  
    June 30, 2018  
    Stage 1     Stage 2     Stage 3     Total     Loss
allowance
    Total, net     Collateral
value of
damaged
property
 
    Above
appropriate
credit rating
(*1)
    Less than a
limited
credit rating
(*2)
    Above
appropriate
credit
rating (*1)
    Less than a
limited credit
rating
(*2)
 

Consumers

    135,090,660       2,965,678       5,342,732       2,153,793       574,811       146,127,674       (595,749     145,531,925       234,432  

Securities at amortized cost

    17,707,379       —         —         —         —         17,707,379       (5,250     17,702,129       —    

Financial assets at FVTOCI (*3)

    13,675,528       48,126       15,175       —         —         13,738,829       (4,670     13,738,829       —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    278,102,772       18,842,655       6,210,506       5,772,369       2,068,664       310,996,966       (1,840,675     309,160,961       789,660  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.

(*2)

Credit grade of corporates are BBB- ~ C, and consumers are grades 7 ~ 10.

(*3)

Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease.

 

  -

Loans and receivables

 

    December 31, 2017  
              Corporates              
  Korean
treasury and
government
agencies
    Banks     General
business
    Small and
medium sized
enterprise
    Project
financing
and others
    Subtotal     Consumers     Total  

Loans and receivables neither overdue nor impaired

    8,825,767       26,861,286       50,463,112       34,107,547       5,547,950       90,118,609       139,886,407       265,692,069  

Loans and receivables overdue but not impaired

    8       —         65,616       63,067       —         128,683       878,406       1,007,097  

Impaired loans and receivables

    —         —         1,402,131       251,431       46,717       1,700,279       537,001       2,237,280  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    8,825,775       26,861,286       51,930,859       34,422,045       5,594,667       91,947,571       141,301,814       268,936,446  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for credit losses

    2,191       15,977       1,078,733       267,162       31,125       1,377,020       435,054       1,830,242  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total, net

    8,823,584       26,845,309       50,852,126       34,154,883       5,563,542       90,570,551       140,866,760       267,106,204  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

  -

Debt securities

The Group manages debt securities based on the external credit rating. Credit soundness of debt securities on the basis of External Credit Assessment Institution (ECAI)’s rating is as follows (Unit: Korean Won in millions):

 

     December 31, 2017  
     Financial assets at
FVTPL (*)
     AFS debt
securities
     HTM securities      Total  

AAA

     1,685,099        9,897,689        15,806,327        27,389,115  

AA- ~ AA+

     722,923        2,386,567        888,547        3,998,037  

BBB- ~ A+

     236,311        876,482        52,188        1,164,981  

Below BBB-

     9,694        68,506        2,234        80,434  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,654,027        13,229,244        16,749,296        32,632,567  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Financial assets at FVTPL comprise debt securities held for trading and financial assets designated at FVTPL

 

  b)

Guarantees and loan commitments

The credit quality of the guarantees and loan commitments as of June 30, 2018 as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Financial assets

   Stage 1      Stage 2      Stage 3      Total  
   Above
appropriate
credit rating
(*1)
     Less than a
limited
credit rating
(*2)
     Above
appropriate
credit rating
(*1)
     Less than a
limited
credit rating
(*2)
 

Off-balance accounts Guarantees

     10,684,154        1,104,097        12,464        390,253        181,605        12,372,573  

Loan commitments

     92,335,107        3,717,790        1,455,884        740,283        1,942        98,251,006  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     103,019,261        4,821,887        1,468,348        1,130,536        183,547        110,623,579  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.

(*2)

Credit grade of corporate are BBB- ~ C, and consumers are grades 7 ~ 10.

4) Collateral and other credit enhancements

There have been no significant changes in the value of collateral or other credit enhancements held by the Group during the current quarter, changes in collateral or other credit enhancements due to changes in the collateral policy of the Group. As of June 30, 2018, there are no financial assets that do not recognize the allowance for losses due to collateral.

 

  (2)

Market risk

Market risk is the possible risk of loss arising from trading activities and non-trading activities in the volatility of market factors such as interest rates, stock prices and foreign exchange rates. Market risk occurs as a result of changes in the interest rates and foreign exchange rates for financial instruments that are not yet settled, and all contracts are exposed to a certain level of volatility according to changes in the interest rates, credit spreads, foreign exchange rates and the price of equity securities.

1) Market risk management

For trading activities and non-trading activities, the Group avoids, bears, or mitigates risks by identifying the underlying source of the risks, measuring parameters and evaluating their appropriateness.

On a yearly basis, the Risk Management Committee establishes a Value at Risk (“VaR”, maximum losses) limit, loss limit and risk capital limit by subsidiaries for its management purposes. The limit by investment desk/dealer is independently managed to the extent of the limit given to subsidiaries and the limit by investment and loss cut is managed by the risk management personnel within the department.

The Group uses both a standard-based and an internal model-based approach to measure market risk. The standard-based approach is used to calculate individual market risk of owned capital while the internal model-based approach is used to calculate general capital market risk and it is used to measure internal risk management measure. For the trading activities, the Risk Management department measures the VaR limit by department, risk factor and loss limit on a daily basis and reports regularly to the Risk Management Committee.

2) Sensitivity analysis of market risk

The Group performs the sensitivity analyses both for trading and for non-trading activities.

For trading activities, the Group uses a VaR model that uses certain assumptions of possible fluctuations in market condition and, by conducting simulations of gains and losses, under which the model estimates the maximum losses that may occur. A VaR model predicts based on statistics of possible losses on the portfolio at a certain period currently or in the future. It indicates the maximum expected loss with at least 99% confidence level. In short, there exists a one percent possibility that the actual loss might exceed the predicted loss generated from the VaR calculation. The actual results are periodically monitored to examine the validity of the assumptions, variables, and factors that are used in VaR calculations. However, this approach cannot prevent the loss when the market fluctuation exceeds expectation.

For the non-trading activities, interest rate Earning at Risk (“EaR”) and interest rate VaR, which is based on the simulations of the Net Interest Income (“NII”) and Net Portfolio Value (“NPV”), are calculated for the Bank and the consolidated trusts, and the risks for all other subsidiaries are measured and managed by the interest rate EaR and the interest rate VaR calculations based on the Bank for International Settlements (“BIS”) Framework.

NII is a profit-based indicator for displaying the profit changes in short term due to the short-term interest changes. It will be estimated as subtracting interest expenses of liabilities from the interest income of assets. NPV is an indicator for displaying risks in economic view according to unfavorable changes related to interest rate. It will be estimated as subtracting the present value of liabilities from the present value of assets.

EaR shows the maximum profit-loss amount, which indicates the maximum deduction amount caused by the unfavorable changes related to the interest rate of a certain period (i.e. 1 year). Interest rate VaR shows the potential maximum loss generated by the unfavorable changes during a certain period of time in the present or future.

 

  a)

Trading activities

The minimum, maximum and average VaR for the six months ended June 30, 2018 and for the year ended December 31, 2017, respectively, and the VaR as of June 30, 2018 and December 31, 2017, respectively, are as follows (Unit: Korean Won in millions):

 

    As of
June 30,
2018
    For the six months ended
June 30, 2018
    As of
December 31,
2017
    For the year ended
December 31, 2017
 

Risk factor

  Average     Maximum     Minimum     Average     Maximum     Minimum  

Interest rate

    2,179       3,787       4,992       1,730       4,183       3,799       4,918       2,467  

Stock price

    2,872       2,524       4,618       1,138       909       2,863       4,419       909  

Foreign currencies

    4,224       4,853       6,136       3,695       4,750       5,051       6,636       4,061  

Commodity price

    2       1       4       —         —         31       188       —    

Diversification

    (4,095     (4,745     (7,136     (1,749     (4,472     (4,621     (6,798     (2,067
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total VaR(*)

    5,182       6,420       8,614       4,814       5,370       7,123       9,363       5,370  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

VaR : Maximum losses

 

  b)

Non-trading activities

The NII and NPV are calculated for the assets and liabilities owned by the Bank and consolidated trusts, respectively, by using the simulation method. The scenario responding to interest rate (“IR”) changes are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  
   NII(*1)      NPV(*2)      NII(*1)      NPV(*2)  

Base case

     4,497,407        23,856,916        4,916,138        23,472,792  

Base case (Prepay)

     4,491,363        23,546,002        4,916,015        23,163,942  

IR 100bp up

     5,022,303        23,803,250        5,361,546        22,886,122  

IR 100bp down

     4,051,601        23,933,844        4,386,437        24,127,559  

IR 200bp up

     5,992,145        23,766,488        5,806,723        22,372,208  

IR 200bp down

     3,672,050        24,043,703        3,452,590        24,830,482  

IR 300bp up

     6,848,435        23,742,304        6,251,897        21,929,189  

IR 300bp down

     3,527,210        24,201,770        2,254,609        26,633,807  

 

(*1)

NII: Net Interest Income

(*2)

NPV: Net Portfolio Value

 

The interest EaR and VaR calculated based on the BIS Framework of subsidiaries other than the Bank and consolidated trusts are as follows (Unit: Korean Won in millions):

 

June 30, 2018

 

December 31, 2017

EaR (*1)

 

VaR (*2)

 

EaR (*1)

 

VaR (*2)

209,621   148,818   255,679   130,821

 

(*1)

EaR: Earning at Risk

(*2)

VaR: Value at Risk

The Group estimates and manages risks related to changes in interest rate due to the difference in the maturities of interest-bearing assets and liabilities and discrepancies in the terms of interest rates. Cash flows (both principal and interest) from non-trading, interest bearing assets and liabilities, presented by each re-pricing date, are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Asset:

                    

Loans and other financial assets at amortized cost

     148,324,408        41,273,662        9,372,945        8,650,081        47,212,644        4,314,787        259,148,527  

Financial assets at FVTOCI

     6,771,707        3,243,204        1,902,718        1,637,346        5,246,163        180,998        18,982,136  

Securities at amortized cost

     2,350,831        1,983,421        1,725,286        2,005,103        9,955,809        350,744        18,371,194  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     157,446,946        46,500,287        13,000,949        12,292,530        62,414,616        4,846,529        296,501,857  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Liability:

                    

Deposits due to customers

     101,367,145        48,458,377        29,955,015        19,029,698        38,912,199        296,042        238,018,476  

Borrowings

     9,390,749        2,020,828        859,698        513,068        2,823,334        523,418        16,131,095  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,625,611        2,727,547        28,724,866  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     111,737,115        52,280,354        32,998,172        21,950,645        60,361,144        3,547,007        282,874,437  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Asset:

                    

Loans and receivables

     161,653,892        41,671,530        7,614,159        6,411,841        54,150,998        26,272,958        297,775,378  

AFS financial assets

     2,150,708        2,500,103        2,016,711        2,367,762        4,229,000        601,735        13,866,019  

HTM financial assets

     2,286,179        2,161,467        1,433,425        1,687,362        9,369,794        345,868        17,284,095  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     166,090,779        46,333,100        11,064,295        10,466,965        67,749,792        27,220,561        328,925,492  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Liability:

                    

Deposits due to customers

     106,815,564        37,750,367        25,117,556        27,585,458        37,518,878        91,246        234,879,069  

Borrowings

     9,865,249        1,056,579        412,966        437,431        2,709,010        479,827        14,961,062  

Debentures

     1,955,902        2,452,240        1,018,563        1,752,847        19,770,538        2,869,766        29,819,856  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     118,636,715        41,259,186        26,549,085        29,775,736        59,998,426        3,440,839        279,659,987  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

  3)

Currency risk

Currency risk arises from the financial instruments denominated in foreign currencies other than the functional currency. Therefore, no currency risk arises from non-monetary items or financial instruments denominated in the functional currency.

 

Financial instruments in foreign currencies exposed to currency risk are as follows (Unit: USD in millions, JPY in millions, CNY in millions, EUR in millions, and Korean Won in millions):

 

    June 30, 2018  
        USD     JPY     CNY     EUR     Others     Total  
        Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Korean
Won
equivalent
    Korean
Won
equivalent
 

Asset

 

Loans and other financial assets at amortized cost

    24,664       27,694,163       135,138       1,371,362       31,972       5,416,294       1,172       1,520,044       4,472,890       40,474,753  
 

Financial assets at FVTPL

    84       94,261       359       3,645       —         —         36       46,488       75,122       219,516  
 

Financial assets at FVTOCI

    1,726       1,936,385       —         —         300       50,874       —         —         338,214       2,325,473  
 

Securities at amortized cost

    115       129,245       —         —         —         —         —         —         105,949       235,194  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    26,589       29,854,054       135,497       1,375,007       32,272       5,467,168       1,208       1,566,532       4,992,175       43,254,936  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Liability

 

Financial liabilities at FVTPL

    63       70,963       505       5,127       —         —         33       43,070       102,226       221,386  
 

Deposits due to customer

    11,160       12,517,349       145,058       1,472,035       21,633       3,664,842       1,230       1,595,651       2,700,164       21,950,041  
 

Borrowings

    6,417       7,201,536       2,211       22,438       —         —         232       303,001       476,871       8,003,846  
 

Debentures

    3,708       4,159,175       —         —         —         —         —         —         284,293       4,443,468  
 

Other financial liabilities

    3,240       3,633,942       23,541       238,890       5,568       943,321       140       182,002       4,602       5,002,757  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    24,588       27,582,965       171,315       1,738,490       27,201       4,608,163       1,635       2,123,724       3,568,156       39,621,498  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Off-balance accounts

    6,374       7,149,273       32,887       333,730       4,804       813,812       453       587,615       827,004       9,711,434  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    December 31, 2017  
        USD     JPY     CNY     EUR     Others     Total  
        Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Korean
Won
equivalent
    Korean
Won
equivalent
 

Asset

 

Loans and receivables

    23,000       24,642,900       126,944       1,204,843       25,224       4,127,936       1,156       1,479,351       3,937,733       35,392,763  
 

Financial assets at FVTPL

    32       34,303       25       238       —         —         27       34,583       104,892       174,016  
 

AFS financial assets

    1,966       2,105,972       —         —         319       52,259       —         590       302,801       2,461,622  
 

HTM financial assets

    111       118,868       —         —         —         —         —         —         78,175       197,043  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    25,109       26,902,043       126,969       1,205,081       25,543       4,180,195       1,183       1,514,524       4,423,601       38,225,444  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Liability

 

Financial liabilities at FVTPL

    41       43,423       79       752       —         —         19       24,878       69,977       139,030  
 

Deposits due to customer

    13,744       14,725,686       195,176       1,852,440       21,865       3,578,142       883       1,129,802       2,396,826       23,682,896  
 

Borrowings

    6,604       7,080,118       2,218       21,056       —         —         247       315,685       242,874       7,659,733  
 

Debentures

    3,467       3,714,411       —         —         700       114,555       —         —         375,749       4,204,715  
 

Other financial liabilities

    2,392       2,562,740       16,125       153,043       1,802       294,950       129       165,189       588,625       3,764,547  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    26,248       28,126,378       213,598       2,027,291       24,367       3,987,647       1,278       1,635,554       3,674,051       39,450,921  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Off-balance accounts

    8,108       8,687,009       33,624       319,127       1,199       196,261       406       519,843       176,886       9,899,126  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(3)

Liquidity risk

Liquidity risk refers to the risk that the Group may encounter difficulties in meeting obligations from its financial liabilities.

 

  1)

Liquidity risk management

Liquidity risk management is to prevent potential cash shortages as a result of mismatching the use of funds (assets) and sources of funds (liabilities) or unexpected cash outflows. The financial liabilities that are relevant to liquidity risk are incorporated within the scope of risk management. Derivatives instruments are excluded from those financial liabilities as they reflect expected cash flows for a pre-determined period.

Assets and liabilities are grouped by account under Asset Liability Management (“ALM”) in accordance with the characteristics of the account. The Group manages liquidity risk by identifying the maturity gap and such gap ratio through various cash flows analysis (i.e. based on remaining maturity and contract period, etc.), while maintaining the gap ratio at or below the target limit.

 

  2)

Maturity analysis of non-derivative financial liabilities

 

  a)

Cash flows of principals and interests by remaining contractual maturities of non-derivative financial liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over
5 years
     Total  

Financial liabilities at FVTPL

     176,097        —          —          —          —          —          176,097  

Deposits due to customers

     145,033,422        38,505,386        22,976,591        24,574,059        7,487,432        2,144,802        240,721,692  

Borrowings

     6,407,137        2,639,064        1,876,893        1,478,115        3,238,353        545,403        16,184,965  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,626,696        2,726,462        28,724,866  

Other financial liabilities

     14,098,508        216,627        3,644        908        621,127        1,955,992        16,896,806  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     166,694,385        43,162,226        27,040,587        28,460,961        29,973,608        7,372,659        302,704,426  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over
5 years
     Total  

Financial liabilities at FVTPL

     168,442        155,984        1,717        512        375        —          327,030  

Deposits due to customers

     148,008,777        29,563,310        18,175,348        32,468,110        7,409,118        2,624,594        238,249,257  

Borrowings

     6,115,732        1,893,173        1,489,272        1,178,107        3,924,681        479,568        15,080,533  

Debentures

     1,955,255        2,452,565        1,018,714        1,744,731        19,770,380        2,869,699        29,811,344  

Other financial liabilities

     7,121,342        162,871        825        1,003        128,940        2,730,001        10,144,982  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     163,369,548        34,227,903        20,685,876        35,392,463        31,233,494        8,703,862        293,613,146  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

  b)

Cash flows of principals and interests by expected maturities of non-derivative financial liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Financial liabilities at FVTPL

     176,097        —          —          —          —          —          176,097  

Deposits due to customers

     154,934,637        40,340,567        20,220,152        18,154,029        6,115,894        348,774        240,114,053  

Borrowings

     6,407,137        2,639,064        1,876,893        1,478,115        3,242,839        540,917        16,184,965  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,626,696        2,726,462        28,724,866  

Other financial liabilities

     14,098,508        216,627        3,644        908        621,127        1,955,992        16,896,806  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     176,595,600        44,997,407        24,284,148        22,040,931        28,606,556        5,572,145        302,096,787  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Financial liabilities at FVTPL

     168,442        155,984        1,717        512        375        —          327,030  

Deposits due to customers

     159,146,602        31,298,562        16,667,130        21,995,294        6,487,047        2,278,756        237,873,391  

Borrowings

     6,115,732        1,893,173        1,489,272        1,178,107        3,924,681        479,568        15,080,533  

Debentures

     1,955,255        2,452,565        1,018,714        1,744,731        19,770,380        2,869,699        29,811,344  

Other financial liabilities

     7,121,342        162,871        825        1,003        128,940        2,730,001        10,144,982  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     174,507,373        35,963,155        19,177,658        24,919,647        30,311,423        8,358,024        293,237,280  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

  3)

Maturity analysis of derivative financial liabilities

Derivatives held for trading purpose are not managed in accordance with their contractual maturity, since the Group holds such financial instruments with the purpose of disposing or redemption before their maturity. As such, those derivatives are incorporated as “within 3 months” in the table below.

Derivatives held for hedging purpose are estimated by offsetting cash inflows and cash outflows.

The cash flow by the maturity of derivative financial liabilities as of June 30, 2018 and December 31, 2017 is as follows (Unit: Korean Won in millions):

 

     Remaining maturity  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

June 30, 2018

     2,377,750        2,130        —          —          59,820        5,555        2,445,255  

December 31, 2017

     3,150,149        —          —          381        67,373        —          3,217,903  

 

  4)

Maturity analysis of off-balance accounts

The Group provides guarantees on behalf of customers. A financial guarantee represents an irrevocable undertaking that the Group should meet a customer’s obligations to third parties if the customer fails to do so. Under a loan commitment, the Group agrees to make funds available to a customer in the future. Loan commitments that are usually for a specified term may persist or may be unconditionally cancellable, provided all conditions in the loan facility are satisfied or waived. Commitments to lend include commercial standby facilities and credit lines, liquidity facilities to commercial paper conduits and utilized overdraft facilities. The maximum limit to be paid by the Group in accordance with guarantees and loan commitment only applies to principal amounts. There are contractual maturities for financial guarantees, such as guarantees for debentures issued or loans, loan commitments, and other guarantees, however, under the terms of the guarantees and loan commitments, funds should be paid upon demand from the counterparty. Details of off-balance accounts are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Guarantees

     12,372,573        12,859,715  

Loan commitments

     98,251,005        80,760,325  

 

(4)

Operational risk

The Group defines the operational risk that could cause a negative effect on capital resulting from inadequate internal process, labor work and systematic problem or external factors.

1) Operational risk management

The Group has been running the operational risk management system under Basel II. The Group developed Advanced Measurement Approaches (“AMA”) to quantify required capital for operational risk. This system is used for reinforcement in foreign competitions, reducing the amount of risk capitals, managing the risk, and precaution for any unexpected occasions. This system has been tested by an independent third party, and this system approved by the Financial Supervisory Service.

 

2) Operational risk measurement

To quantify required capital for operational risk, the Group applies AMA using internal and external loss data, business environment and internal control factors, and scenario analysis. For the operational risk management for its subsidiaries, the Group adopted the Basic Indicator Approach.

 

(5)

Capital management

The Group complies with the standard of capital adequacy provided by financial regulatory authorities. The capital adequacy standard is based on Basel III of Basel Committee on Banking Supervision and Basel III was applied from the end of December, 2013. The capital adequacy ratio is calculated by dividing own capital by asset (weighted with a risk premium – risk weighted assets) based on the consolidated financial statements of the Group.

According to the above regulations, the Group is required to meet the following new minimum requirements: Common Equity Tier 1 capital ratio of 7.13% and 6.25%, a minimum Tier 1 ratio of 8.63% and 7.75% and a minimum total regulatory capital of 10.63% and 9.75% as of June 30, 2018 and December 31, 2017, respectively.

Details of the Group’s capital adequacy ratio as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018 (*)     December 31, 2017  

Tier 1 capital

     16,952,436       16,074,987  

Other Tier 1 capital

     2,748,005       3,041,664  

Tier 2 capital

     3,499,122       3,486,555  
  

 

 

   

 

 

 

Total risk-adjusted capital

     23,199,563       22,603,206  
  

 

 

   

 

 

 

Risk-weighted assets for credit risk

     139,868,803       134,767,711  

Risk-weighted assets for market risk

     2,292,979       2,316,938  

Risk-weighted assets for operational risk

     9,826,809       9,677,559  
  

 

 

   

 

 

 

Total risk-weighted assets

     151,988,591       146,762,208  
  

 

 

   

 

 

 

Common Equity Tier 1 ratio

     11.15     10.95
  

 

 

   

 

 

 

Tier 1 capital ratio

     12.96     13.03
  

 

 

   

 

 

 

Total capital ratio

     15.26     15.40
  

 

 

   

 

 

 

 

(*)

Capital adequacy ratio as of June 30, 2018 is tentatively measured.

XML 26 R10.htm IDEA: XBRL DOCUMENT v3.10.0.1
Operating segments
6 Months Ended
Jun. 30, 2018
Disclosure of operating segments [Abstract]  
Operating Segments

5. OPERATING SEGMENTS

In evaluating the results of the Group and allocating resources, the Group’s Chief Operation Decision Maker (“CODM”) utilizes the information per type of customers. This financial information of the segments is regularly reviewed by the CODM to make decisions about resources to be allocated to each segment and evaluate its performance.

 

  (1)

Segment by type of customers

The Group’s reporting segments comprise the following customers: consumer banking, corporate banking, investment banking, capital market, credit card market and headquarters and others. The reportable segments are classified based on the target customers for whom the service is being provided.

 

   

Consumer banking: Loans/deposits and financial services for retail and individual consumers, etc.

   

Corporate banking: Loans/deposits and export/import, financial services for corporations, etc.

   

Investment banking: Domestic/foreign investment, structured finance, M&A, equity & fund investment related business, venture advisory related tasks, real estate SOC development practices, etc.

   

Capital market: Fund management, investment in securities and derivatives, etc.

   

Credit card: Credit card, cash service and card loan, etc.

   

Headquarter and others: Segments that do not belong to above operating segments

The details of operating income by each segment are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit cards     Headquarters
and others
    Subtotal     Adjustments     Total  

Net Interest income

                 

Interest income

    1,703,521       1,638,747       74,670       5,687       323,443       747,596       4,493,664       149,752       4,643,416  

Interest expense

    (499,830     (994,523     (92     —         (75,716     (458,733     (2,028,894     149,952       (1,878,942

Inter-segment

    (274,405     323,139       (77,656     10,259       —         18,663       —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    929,286       967,363       (3,078     15,946       247,727       307,526       2,464,770       299,704       2,764,474  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net non-interest income

                 

Non-interest income

    405,145       432,262       137,031       4,765,167       605,165       516,766       6,861,536       (236,269     6,625,267  

Non-interest expense

    (127,357     (183,814     (40,188     (4,725,584     (562,210     (218,710     (5,857,863     (182,141     (6,040,004

Inter-segment

    78,522       36,407       —         —         —         (114,929     —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    356,310       284,855       96,843       39,583       42,955       183,127       1,003,673       (418,410     585,263  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Other income (expense) Administrative expense

    (875,328     (403,216     (5,689     (7,852     (83,575     (327,244     (1,702,904     135,566       (1,567,338

Reversal of allowance for credit loss and impairment losses due to credit loss

    (53,008     109,283       52,244       (3,268     (113,960     62,729       54,020       (28,704     25,316  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    (928,336     (293,933     46,555       (11,120     (197,535     (264,515     (1,648,884     106,862       (1,542,022
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating income (expenses)

    357,260       958,285       140,320       44,409       93,147       226,138       1,819,559       (11,844     1,807,715  

Non-operating income (expenses)

    (9,889     671       17,411       —         (2,988     17,615       22,820       (29,003     (6,183

Net income before income tax expense

    347,371       958,956       157,731       44,409       90,159       243,753       1,842,379       (40,847     1,801,532  

Income tax expense

    (95,528     (260,186     (43,377     (12,212     (22,541     (52,320     (486,164     948       (485,216
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    251,843       698,770       114,354       32,197       67,618       191,433       1,356,215       (39,899     1,316,316  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    For the six months ended June 30, 2017  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit cards     Headquarters
and others
    Subtotal     Adjustments     Total  

Net Interest income

                 

Interest income

    1,539,729       1,456,198       72,232       8,938       288,648       668,644       4,034,389       155,195       4,189,584  

Interest expense

    (480,814     (818,422     (126     —         (65,600     (411,449     (1,776,411     137,147       (1,639,264

Inter-segment

    (248,116     229,029       (66,693     8,324       —         77,456       —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    810,799       866,805       5,413       17,262       223,048       334,651       2,257,978       292,342       2,550,320  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net non-interest income

                 

Non-interest income

    424,214       333,646       212,107       4,991,598       566,107       1,129,696       7,657,368       (126,727     7,530,641  

Non-interest expense

    (146,630     (82,261     (121,238     (4,968,840     (520,469     (862,571     (6,702,009     (240,504     (6,942,513

Inter-segment

    45,402       29,680       —         —         —         (75,082     —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    322,986       281,065       90,869       22,758       45,638       192,043       955,359       (367,231     588,128  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    For the six months ended June 30, 2017  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit
cards
    Headquarters
and others
    Subtotal     Adjustments     Total  

Other income (expense)

                 

General and administrative expense

    (869,732     (402,661     (5,696     (7,721     (77,909     (298,578     (1,662,297     123,870       (1,538,427

Reversal of allowance for credit loss and impairment losses due to credit loss

    (45,964     (128,685     31,311       22,135       (106,698     152,836       (75,065     (40,728     (115,793
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    (915,696     (531,346     25,615       14,414       (184,607     (145,742     (1,737,362     83,142       (1,654,220
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating income

    218,089       616,524       121,897       54,434       84,079       380,952       1,475,975       8,253       1,484,228  

Non-operating income (expense)

    8,862       (3,122     22,581       —         (2,399     (26,180     (258     (54,022     (54,280
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income before income tax expense

    226,951       613,402       144,478       54,434       81,680       354,772       1,475,717       (45,769     1,429,948  

Income tax expense

    (54,923     (139,138     (34,964     (13,173     (19,816     (50,841     (312,855     (8,078     (320,933
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    172,028       474,264       109,514       41,261       61,864       303,931       1,162,862       (53,847     1,109,015  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

  (2)

Information on products and services

The products of the Group are classified as interest-bearing products such as loans, deposits and debt securities and non-interest bearing products such as loan commitment, credit commitment, equity securities, and credit card service. This classification of products has been reflected in the segment information presenting interest income and non-interest income.

 

  (3)

Information on geographical areas

Among the Group’s revenue (interest income and non-interest income) from services, revenue from the domestic customers for the six months ended June 30, 2018 and 2017 amounted to 10,626,155 million Won and 11,185,991 million Won, respectively, and revenue from the foreign customers amounted to 642,528 million Won and 534,234 million Won, respectively. Among the Group’s non-current assets (investments in joint ventures and associates, investment properties, premises and equipment and intangible assets), non-current assets attributed to domestic subsidiaries as of June 30, 2018 and December 31, 2017 are 3,664,521 million Won and 3,550,764 million Won, respectively, and foreign subsidiaries are 233,864 million Won and 233,732 million Won, respectively.

XML 27 R11.htm IDEA: XBRL DOCUMENT v3.10.0.1
Cash and cash equivalents
6 Months Ended
Jun. 30, 2018
Cash and cash equivalents [Abstract]  
Cash And Cash Equivalents

6. CASH AND CASH EQUIVALENTS

 

  (1)

Details of cash and cash equivalents are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Cash

     1,889,739        2,009,363  

Foreign currencies

     795,692        617,155  

Demand deposits

     2,777,874        3,423,355  

Fixed deposits

     457,263        858,413  
  

 

 

    

 

 

 

Total

     5,920,568        6,908,286  
  

 

 

    

 

 

 

 

  (2)

Significant transactions of investing activities and financing activities not involving cash inflows and outflows are as follows (Unit: Korean Won in millions):

 

     For the
six months
ended
June 30, 2018
     For the
six months
ended
June 30, 2017
 

Changes in other comprehensive gain due to remeasurement of financial assets designated at FVTOCI

     41,452        —    

Changes in other comprehensive loss due to valuation of AFS financial assets

     —          (28,706

Changes in other comprehensive income of investment in associates

     1,210        1,507  

Changes in other comprehensive gain (loss) of foreign operations translation

     35,526        (69,010

Changes in other comprehensive loss related to valuation of cash flow hedging

     (6,213      (1,526

Changes in other comprehensive loss due to remeasurement of the net defined benefit liability

     (59,573      (9,677

Changes in investments in associates due to debt-equity swap

     —          51,405  

Changes in investments in associates due to accounts transfer

     (5,865      (16,354

Changes in accrued dividends of hybrid equity securities

     (80      (9,804

Changes in intangible assets related to accounts payable

     32,369        (8,506

Classified to assets held for sale from premises and equipment

     6,050        2,184  
XML 28 R12.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at fair value through profit or loss
6 Months Ended
Jun. 30, 2018
Financial assets at fair value through profit or loss [Abstract]  
Disclosure of financial assets at fair value through profit or loss

 

7.

FINANCIAL ASSETS AT FVTPL

 

  (1)

Financial assets at FVTPL are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Financial assets at fair value through profit or loss mandatorily measured at fair value

     6,340,704        —    

Financial assets held for trading

     —          5,820,787  

Financial assets designated at FVTPL

     —          22,290  
  

 

 

    

 

 

 

Total

     6,340,704        5,843,077  
  

 

 

    

 

 

 

 

(2)

Financial assets at fair value through profit or loss mandatorily measured at fair value and financial assets held for trading are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits:

     

Gold banking asset

     24,921        25,972  

Securities:

     

Debt securities

     

Korean treasury and government agencies

     639,476        540,438  

Financial institutions

     639,711        1,476,498  

Corporates

     714,508        627,397  

Others

     156        —    

 

     June 30, 2018      December 31, 2017  

Equity securities

     433,316        21,666  

Capital contributions

     349,470        —    

Beneficiary certificates

     810,968        13,041  
  

 

 

    

 

 

 

Subtotal

     3,587,605        2,679,040  
  

 

 

    

 

 

 

Loans

     336,967        —    

Derivatives assets

     2,391,211        3,115,775  
  

 

 

    

 

 

 

Total

     6,340,704        5,820,787  
  

 

 

    

 

 

 

 

(3)

Financial assets at fair value through profit or loss designated as upon initial recognition as of June 30, 2018 and financial assets at fair value through profit or loss designated as upon initial recognition as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     December 31, 2017  

Debt securities

     9,694  

Equity securities

     12,596  
  

 

 

 

Total

     22,290  
  

 

 

XML 29 R13.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at fair value through other comprehensive income and available for sale financial assets
6 Months Ended
Jun. 30, 2018
Financial assets at fair falue through other comprehensive income and available-for-sale financial assets [Abstract]  
Financial assets at fair value through other comprehensive income and available-for-sale assets explanatory

 

8. FINANCIAL ASSETS AT FVTOCI AND AFS FINANCIAL ASSETS

 

(1)

Details of financial assets at FVTOCI as of June 30, 2018 and AFS financial assets as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Debt securities:

     

Korean treasury and government agencies

     2,195,526        2,330,567  

Financial institutions

     7,370,107        5,217,266  

Corporates

     1,797,635        2,725,232  

Asset-backed securities

     —          308,181  

Bond denominated in foreign currencies

     2,325,422        2,442,579  

Others

     —          35,163  
  

 

 

    

 

 

 

Subtotal

     13,688,690        13,058,988  
  

 

 

    

 

 

 

Equity securities

     905,779        1,411,078  

Beneficiary certificates

     —          712,628  

Securities loaned

     50,139        170,256  
  

 

 

    

 

 

 

Total

     14,644,608        15,352,950  
  

 

 

    

 

 

 

 

(2)

Details of equity securities designated as financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Purpose of acquisition

   Fair value  

Strategic business partnership

     737,104  

Debt-equity swap

     168,533  

Others(*)

     142  
  

 

 

 

Total

     905,779  
  

 

 

 

 

(*)

Cooperate insurance, etc.

 

(3)

Changes in the loss allowance and gross carrying amount of financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

1) Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3      Total  

Beginning balance (*1)

     (4,107     (129     —          (4,236

Transfer to 12-month expected credit losses

     —         —         —          —    

Transfer to lifetime expected credit losses

     —         —         —          —    

Transfer to credit-impaired financial assets

     —         —         —          —    

Net reversal (provision) of loss allowance

     (562     103       —          (459

Disposal

     27       —         —          27  

Others (*2)

     (2     —         —          (2
  

 

 

   

 

 

   

 

 

    

 

 

 

Ending balance

     (4,644     (26     —          (4,670
  

 

 

   

 

 

   

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation, etc.

2) Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3      Total  

Beginning balance

     12,843,997       30,212       —          12,874,209  

Transfer to 12-month expected credit losses

     —         —         —          —    

Transfer to lifetime expected credit losses

     —         —         —          —    

Transfer to credit-impaired financial assets

     —         —         —          —    

Acquisition

     5,075,597       —         —          5,075,597  

Disposal

     (4,294,135     (15,047     —          (4,309,182

Gain (loss) on valuation

     12,874       10       —          12,884  

Amortization on the effective interest method

     (2,289     —         —          (2,289

Others (*)

     87,610       —         —          87,610  
  

 

 

   

 

 

   

 

 

    

 

 

 

Ending balance

     13,723,654       15,175       —          13,738,829  
  

 

 

   

 

 

   

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation, etc.

 

(4)

The Group disposed equity securities designated as financial assets at FVTOCI in accordance with the resolution of disposal from the creditors’ council for the six months ended June 30, 2018. The fair value and accumulative loss on valuation of that equity securities at disposal date are 3,974 million Won and 424 million Won, respectively.

XML 30 R14.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities at amortized cost and held to maturity financial assets
6 Months Ended
Jun. 30, 2018
Disclosure of securities at amortised cost and held to maturity financial assets [Abstract]  
Securities at amortised cost and held to maturity financial assets

 

9. SECURITIES AT AMORTIZED COST AND HTM FINANCIAL ASSETS

 

(1)

Details of securities at amortized cost as of June 30, 2018 and HTM financial assets as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Korean treasury and government agencies

     4,630,598        3,994,857  

Financial institutions

     7,767,490        7,245,426  

Corporates

     5,074,097        5,311,970  

Bond denominated in foreign currencies

     235,194        197,043  

Loss allowance

     (5,250      —    
  

 

 

    

 

 

 

Total

     17,702,129        16,749,296  
  

 

 

    

 

 

 

 

(2)

Changes in the loss allowance and gross carrying amount of securities at amortized cost are as follows (Unit: Korean Won in millions):

1) Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2      Stage 3      Total  

Beginning balance (*1)

     (5,078     —          —          (5,078

Transfer to 12-month expected credit losses

     —         —          —          —    

Transfer to lifetime expected credit losses

     —         —          —          —    

Transfer to credit-impaired financial assets

     —         —          —          —    

Net provision of loss allowance

     (191     —          —          (191

Disposal

     22       —          —          22  

Others (*2)

     (3     —          —          (3
  

 

 

   

 

 

    

 

 

    

 

 

 

Ending balance

     (5,250     —          —          (5,250
  

 

 

   

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation, etc.

2) Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2      Stage 3      Total  

Beginning balance

     16,749,296       —          —          16,749,296  

Transfer to 12-month expected credit losses

     —         —          —          —    

Transfer to lifetime expected credit losses

     —         —          —          —    

Transfer to credit-impaired financial assets

     —         —          —          —    

Acquisition

     5,829,462       —          —          5,829,462  

Disposal / Redemption

     (4,873,896     —          —          (4,873,896

Amortization on the effective interest method

     (6,008     —          —          (6,008

Others (*)

     8,525       —          —          8,525  
  

 

 

   

 

 

    

 

 

    

 

 

 

Ending balance

     17,707,379       —          —          17,707,379  
  

 

 

   

 

 

    

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation, etc.

XML 31 R15.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost and loans and receivables
6 Months Ended
Jun. 30, 2018
Disclosure of loans and other financial assets at amortized cost and loans and receivables [Abstract]  
Loans and other financial assets at amortized cost and loans and receivables

 

10.

LOANS AND OTHER FINANCIAL ASSETS AT AMORTIZED COST, AND LOANS AND RECEIVABLES

 

(1)

Details of loans and other financial assets at amortized cost as of June 30, 2018 and loans and receivables as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Due from banks

     17,770,356        8,868,378  

Loans

     248,794,014        251,523,301  

Other financial assets (other receivables)

     11,155,633        6,714,525  
  

 

 

    

 

 

 

Total

     277,720,003        267,106,204  
  

 

 

    

 

 

 

 

(2)

Details of due from banks are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Due from banks in local currency:

     

Due from The Bank of Korea (“BOK”)

     14,500,746        6,246,496  

Due from depository banks

     90,003        30,003  

Due from non-depository institutions

     33        150  

Due from the Korea Exchange

     —          50,000  

Others

     68,132        97,365  

Loss allowance

     (3,475      (1,541
  

 

 

    

 

 

 

Subtotal

     14,655,439        6,422,473  
  

 

 

    

 

 

 

Due from banks in foreign currencies:

     

Due from banks on demand

     1,055,513        794,353  

Due from banks on time

     1,237,312        972,915  

Others

     824,229        679,554  

Loss allowance

     (2,137      (917
  

 

 

    

 

 

 

Subtotal

     3,114,917        2,445,905  
  

 

 

    

 

 

 

Total

     17,770,356        8,868,378  
  

 

 

    

 

 

 

 

(3)

Details of restricted due from banks are as follows (Unit: Korean Won in millions):

 

   

Counterparty

  June 30, 2018    

Reason of restriction

Due from banks in local currency:

   

Due from BOK

 

The BOK

    14,500,746     Reserve deposits under the BOK Act

Others

 

The Korea Exchange and others

    64,150     Central counterparty KRW margin and others
   

 

 

   

Subtotal

    14,564,896    
 

 

 

   
Due from banks in foreign currencies:    

Due from banks on demand

 

The BOK and others

    1,048,609     Reserve deposits under the BOK Act and others

Others

 

The People’s Bank of China and others

    824,229     Reserve deposits and others

Due from banks on time

 

National Bank of Cambodia

    56    

Fast And Secure Transfer

(Payment system)

   

 

 

   

Subtotal

    1,872,894    
 

 

 

   

Total

    16,437,790    
 

 

 

   
   

Counterparty

  December 31, 2017    

Reason of restriction

Due from banks in local currency:

   

Due from BOK

 

The BOK

    6,246,496    

Reserve deposits

under the BOK Act

Others

 

The Korea Exchange and others

    94,394     Central counterparty KRW margin and others
   

 

 

   

Subtotal

    6,340,890    
 

 

 

   
   

Counterparty

  December 31, 2017    

Reason of restriction

Due from banks in foreign currencies:

   

Due from banks on demand

  The BOK and others     787,520     Reserve deposits under the BOK Act and others

Others

  The People’s Bank of China and others     367,108     Reserve deposits and others
   

 

 

   

Subtotal

    1,154,628    
 

 

 

   

Total

    7,495,518    
 

 

 

   

 

(4)

Changes in the loss allowance and gross carrying amount of due from banks are as follows (Unit: Korean Won in millions):

 

  1)

Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1      Stage 2      Stage 3      Total  

Beginning balance (*1)

     (3,092      —          —          (3,092

Transfer to 12-month expected credit losses

     —          —          —          —    

Transfer to lifetime expected credit losses

     —          —          —          —    

Transfer to credit-impaired financial assets

     —          —          —          —    

Net provision of loss allowance

     (2,500      —          —          (2,500

Others (*2)

     (20      —          —          (20
  

 

 

    

 

 

    

 

 

    

 

 

 

Ending balance

     (5,612      —          —          (5,612
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation and etc.

 

  2)

Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1      Stage 2      Stage 3      Total  

Beginning balance

     8,870,835        —          —          8,870,835  

Transfer to 12-month expected credit losses

     —          —          —          —    

Transfer to lifetime expected credit losses

     —          —          —          —    

Transfer to credit-impaired financial assets

     —          —          —          —    

Net increase

     8,855,041        —          —          8,855,041  

Others (*)

     50,092        —          —          50,092  
  

 

 

    

 

 

    

 

 

    

 

 

 

Ending balance

     17,775,968        —          —          17,775,968  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation and etc.

 

(5)

Details of loans are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Loans in local currency

     204,830,133        200,213,230  

Loans in foreign currencies

     14,731,407        13,147,888  

Domestic banker’s letter of credit

     3,074,011        2,516,907  

Credit card accounts

     7,570,281        6,827,295  

Bills bought in foreign currencies

     6,830,374        8,197,159  

Bills bought in local currency

     257,405        334,714  

Factoring receivables

     61,382        137,523  
     June 30, 2018      December 31, 2017  

Advances for customers on guarantees

     14,910        23,620  

Private placement bonds

     433,591        362,319  

Securitized loans

     1,228,212        563,152  

Call loans

     3,135,670        3,003,455  

Bonds purchased under resale agreements

     6,999,881        16,859,064  

Loan origination costs and fees

     545,864        510,860  

Others

     836,266        607,325  

Discounted present value

     (5,068      (10,988

Loss allowance

     (1,750,305      (1,770,222
  

 

 

    

 

 

 

Total

     248,794,014        251,523,301  
  

 

 

    

 

 

 

 

(6)

Changes in the loss allowance on loans for the six months ended June 30, 2018 are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Consumers     Corporates  
    Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance (*1)

    (101,479     (41,358     (117,168     (365,246     (255,926     (905,243

Transfer to 12-month expected credit losses

    (9,219     8,797       421       (20,913     20,634       280  

Transfer to lifetime expected credit losses

    6,076       (7,514     1,438       17,263       (106,963     89,700  

Transfer to credit-impaired financial assets

    19,177       23,228       (42,406     2,976       12,016       (14,991

Net reversal (provision) of loss allowance

    (22,903     (29,025     (51,219     (5,600     30,121       154,111  

Recoveries of loans previously charged off

    —         —         (23,392     —         —         (52,273

Charge-off

    —         —         117,228       —         —         121,847  

Disposal

    —         —         780       —         67       17,676  

Unwinding effect

    —         —         3,665       —         —         12,961  

Others (*2)

    (1,994     (39     (1,156     23,916       (87     (312
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

    (110,342     (45,911     (111,809     (347,604     (300,138     (576,244
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    For the six months ended June 30, 2018  
    Credit card accounts     Sub-total  
    Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance (*1)

    (57,134     (71,463     (102,858     (523,859     (368,747     (1,125,269

Transfer to 12-month expected credit losses

    (12,969     12,880       89       (43,101     42,311       790  

Transfer to lifetime expected credit losses

    6,963       (7,307     344       30,302       (121,784     91,482  

Transfer to credit-impaired financial assets

    698       2,537       (3,235     22,851       37,781       (60,632

Net reversal (provision) of loss allowance

    (409     (11,715     (90,448     (28,912     (10,619     12,444  

Recoveries of loans previously charged off

    —         —         (28,706     —         —         (104,371

Charge-off

    —         —         104,478       —         —         343,553  

Disposal

    —         —         —         —         67       18,456  

Unwinding effect

    —         —         —         —         —         16,626  

Others (*2)

    (2     —         —         21,920       (126     (1,468
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

    (62,853     (75,068     (120,336     (520,799     (421,117     (808,389
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of debt-equity swap, foreign currencies translation and etc.

 

Changes in the loss allowances on loans and receivables for the six months ended June 30, 2017 are as follows (Unit: Korean Won in millions):

 

     For six months ended June 30, 2017  
     Consumers     Corporates     Credit card     Others     Total  

Beginning balance

     (163,858     (1,498,842     (155,372     (209,024     (2,027,096

Net reversal (provision) of loss allowance

     (65,582     (191,263     (91,022     13,891       (333,976

Recoveries of loans previously charged off

     (21,659     (55,319     (24,808     (3     (101,789

Charge-off

     67,593       220,598       104,195       51,260       443,646  

Disposal

     830       58,431       —         29,264       88,525  

Unwinding effect

     4,620       20,047       —         —         24,667  

Others (*)

     416       179,068       —         (633     178,851  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     (177,640     (1,267,280     (167,007     (115,245     (1,727,172
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Others consist of debt-equity swap, foreign currencies translation and etc.

 

(7)

Changes in the gross carrying amount of loans are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Consumers     Corporates  
     Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance

     103,502,347       5,487,758       326,739       130,561,786       5,000,966       1,622,410  

Transfer to 12-month expected credit losses

     1,772,982       (1,768,978     (4,004     1,113,857       (1,112,533     (1,324

Transfer to lifetime expected credit losses

     (2,731,516     2,746,818       (15,302     (2,112,755     2,222,364       (109,609

Transfer to credit-impaired financial assets

     (84,885     (101,151     186,036       (155,933     (118,707     274,640  

Charge-off

     —         —         (117,228     —         —         (121,847

Disposal

     —         (270     (13,483     —         (883     (67,695

Net increase (decrease)

     2,913,765       (742,949     (22,980     (4,520,684     (688,875     (149,456
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     105,372,693       5,621,228       339,778       124,886,271       5,302,332       1,447,119  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
     For the six months ended June 30, 2018  
     Credit card accounts     Sub-total  
     Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance

     5,721,743       935,266       177,983       239,785,876       11,423,990       2,127,132  

Transfer to 12-month expected credit losses

     243,044       (242,932     (112     3,129,883       (3,124,443     (5,440

Transfer to lifetime expected credit losses

     (299,729     300,190       (461     (5,144,000     5,269,372       (125,372

Transfer to credit-impaired financial assets

     (27,288     (24,128     51,416       (268,106     (243,986     512,092  

Charge-off

     —         —         (104,478     —         —         (343,553

Disposal

     —         —         —         —         (1,153     (81,178

Net increase (decrease)

     722,640       46,551       75,193       (884,279     (1,385,273     (97,243
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     6,360,410       1,014,947       199,541       236,619,374       11,938,507       1,986,438  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(8)

Details of other financial assets (other receivables) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

CMA accounts

     200,000        135,000  

Receivables

     8,721,745        4,459,318  

Accrued income

     1,055,713        1,026,273  

Telex and telephone subscription rights and refundable deposits

     980,611        984,620  

Other receivables

     272,403        166,877  

Loss allowance

     (74,839      (57,563
  

 

 

    

 

 

 

Total

     11,155,633        6,714,525  
  

 

 

    

 

 

 

 

(9)

Changes in the loss allowances on other financial assets are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3     Total  

Beginning balance (*)

     (2,955     (1,832     (54,211     (58,998

Transfer to 12-month expected credit losses

     (161     146       15       —    

Transfer to lifetime expected credit losses

     112       (122     10       —    

Transfer to credit-impaired financial assets

     23       167       (190     —    

Net provision of loss allowance

     (360     (256     (30,854     (31,470

Recoveries of other financial assets previously charged off

     —         —         (2     (2

Charge-off

     —         —         15,225       15,225  

Disposal

     —         —         593       593  

Others

     (208     —         21       (187
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     (3,549     (1,897     (69,393     (74,839
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

(10)

Changes in the gross carrying amount of other financial assets are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3     Total  

Beginning balance

     6,662,335       29,124       79,912       6,771,371  

Transfer to 12-month expected credit losses

     8,130       (8,109     (21     —    

Transfer to lifetime expected credit losses

     (10,935     10,949       (14     —    

Transfer to credit-impaired financial assets

     (768     (1,120     1,888       —    

Charge-off

     —         —         (15,225     (15,225

Disposal

     —         (2     (735     (737

Net increase and others

     4,460,291       (1,650     16,422       4,475,063  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     11,119,053       29,192       82,227       11,230,472  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

XML 32 R16.htm IDEA: XBRL DOCUMENT v3.10.0.1
Fair value of financial assets and liabilities
6 Months Ended
Jun. 30, 2018
Disclosure of fair value measurement [Abstract]  
The Fair Value Of Financial Assets And Liabilities

 

11.

FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES

 

(1)

The fair value hierarchy

The fair value hierarchy is determined by the levels of judgment involved in estimating fair values of financial assets and liabilities. The specific financial instruments characteristics and market condition such as volume of transactions and transparency are reflected to the market observable inputs. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities. The Group

 

maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value of its financial assets and financial liabilities. Fair value is measured based on the perspective of a market participant. As such, even when market assumptions are not readily available, the Group’s own assumptions reflect those that market participants would use for measuring the assets or liabilities at the measurement date.

The fair value measurement is described in the one of the following three levels used to classify fair value measurements:

 

   

Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies.

 

   

Level 2—fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment.

 

   

Level 3—fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity.

The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability.

 

(2)

Fair value hierarchy of financial assets and liabilities measured at fair value are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Level 1 (*1)      Level 2 (*1)      Level 3      Total  

Financial assets:

           

Financial assets at fair value through profit or loss mandatorily measured at fair value

           

Deposits

     24,921        —          —          24,921  

Debt securities

     375,280        1,611,129        7,442        1,993,851  

Equity securities

     80,536        —          352,780        433,316  

Capital contributions

     —          —          349,470        349,470  

Beneficiary certificates

     —          62,173        748,795        810,968  

Loans

     —          85,000        251,967        336,967  

Derivative assets

     17,439        2,337,601        36,171        2,391,211  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     498,176        4,095,903        1,746,625        6,340,704  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial assets at FVTOCI

           

Debt securities

     2,463,992        11,224,698        —          13,688,690  

Equity securities

     440,038        —          465,741        905,779  

Securities loaned

     —          50,139        —          50,139  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     2,904,030        11,274,837        465,741        14,644,608  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative assets

     —          12,395        —          12,395  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,402,206        15,383,135        2,212,366        20,997,707  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

     June 30, 2018  
     Level 1 (*1)      Level 2 (*1)      Level 3      Total  

Financial liabilities:

           

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

           

Deposits due to customers

     24,485        —          —          24,485  

Derivative liabilities

     3,269        2,333,558        40,923        2,377,750  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     27,754        2,333,558        40,923        2,402,235  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities at fair value through profit or loss designated as upon initial recognition

           

Equity-linked securities

     —          —          176,097        176,097  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative liabilities

     —          67,505        —          67,505  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     27,754        2,401,063        217,020        2,645,837  
  

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Level 1 (*1)      Level 2 (*1)      Level 3 (*2)      Total  

Financial assets:

           

Financial assets held for trading

           

Deposits

     25,972        —          —          25,972  

Debt securities

     405,942        2,238,391        —          2,644,333  

Equity securities

     21,666        —          —          21,666  

Beneficiary certificates

     —          13,041        —          13,041  

Derivative assets

     1,021        3,093,272        21,482        3,115,775  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     454,601        5,344,704        21,482        5,820,787  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial assets designated at FVTPL

           

Debt securities

     —          —          9,694        9,694  

Equity securities

     —          —          12,596        12,596  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          —          22,290        22,290  
  

 

 

    

 

 

    

 

 

    

 

 

 

AFS financial assets

           

Debt securities

     2,710,172        10,348,816        —          13,058,988  

Equity securities

     399,214        —          1,011,864        1,411,078  

Beneficiary certificates

     —          68,722        643,906        712,628  

Securities loaned

     69,778        100,478        —          170,256  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     3,179,164        10,518,016        1,655,770        15,352,950  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative assets

     —          59,272        —          59,272  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,633,765        15,921,992        1,699,542        21,255,299  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities:

           

Financial liabilities held for trading

           

Deposits due to customers

     25,964        —          —          25,964  

Derivative liabilities

     2,613        3,126,585        20,951        3,150,149  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     28,577        3,126,585        20,951        3,176,113  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities designated at FVTPL

           

Equity-linked securities

     —          —          160,057        160,057  

Debentures

     —          91,739        —          91,739  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          91,739        160,057        251,796  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative liabilities

     —          67,754        —          67,754  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     28,577        3,286,078        181,008        3,495,663  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

There were no transfers between Level 1 and Level 2 of financial assets and liabilities measured at fair value. The Group recognizes transfers among levels at the end of reporting period in which events have occurred or conditions have changed.

(*2)

Certain AFS unquoted equity securities were measured at cost as of December 31, 2017, that amounted to 37,092 million Won. These unquoted equity instruments mostly represent minority investments in structured entity vehicles, such as asset securitization structures. They are measured at cost because (a) observable inputs of financial information to measure fair value were not available to obtain, (b) there was a significant variance in likely estimated cash flows or (c) the probabilities for various estimated cash flows could not be measured reliably. In addition, the Group has no intention to dispose these investments in the foreseeable future.

Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date.

Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. Valuation methods and input variables for each type of financial instruments are as follows:

 

    

Valuation methods

  

Input variables

Loans

  

The fair value of Loans is measured by the Binomial tree given the values of underlying assets and volatility.

  

Values of underlying assets, Volatility

Debt securities

  

The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.

  

Risk-free market rate, credit spread

Equity securities, capital contribution and Beneficiary certificates

  

Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.

  

Risk-free market rate, market risk premium, Beta, etc.

 

    

Valuation methods

  

Input variables

Derivatives

  

The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market.

However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.

  

Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.

Equity-linked securities

  

The fair value of security linked to stock prices or derivatives is measured by the models such as DCF model, FDM, or Monte Carlo Simulation given the natures of the securities or underlying assets.

  

Values of underlying assets, risk-free market rate, market rate, dividend and convenience yield, volatility, correlation coefficient, credit spread, and foreign exchange rate

Debentures

  

The fair value is measured by discounting the projected cash flows of a debenture by applying the market discount rate that is reflecting credit rating of the Group.

  

Risk-free market rate, forward rate

Valuation methods of financial assets and liabilities measured at fair value and classified into Level 3 and significant but unobservable inputs are as follows:

 

   

Fair value measurement
technique

 

Input variable

  Range  

Impact of changes in significant unobservable
inputs on fair value measurement

Loans

 

Binomial tree

 

Stock, Volatility of underlying asset

  14.92% – 41.24%  

Variation of fair value increases as volatility increases.

Derivative assets

 

Option valuation model and others

 

Correlation coefficient

  0.900 – 0.970  

Variation of fair value increases as correlation coefficient increases.

 

Volatility of underlying asset

  10.61% – 27.59%  

Variation of fair value increases as volatility increases.

Derivative liabilities

 

Option valuation model and others

 

Correlation coefficient

  0.900 – 0.970  

Variation of fair value increases as correlation coefficient increases.

 

Volatility of underlying asset

  10.61% – 27.59%  

Variation of fair value increases as volatility increases.

Equity-linked securities

 

Monte Carlo Simulation and others

 

Correlation coefficient

  0.0861 – 0.688  

Equity-linked securities’ variation of fair value increases if both volatility and correlation coefficient increase. However, when correlation coefficient decreases despite the increase in volatility, the variation of fair value of a compound financial instrument may decrease.

 

Volatility of underlying asset

  18.60% – 26.88%

Equity securities and

beneficiary certificates

 

External appraisal value and others

 

Expected growth rate

  0.00%  

Fair value increases as expected growth rate increases.

 

Discount rate

  0.99% – 18.73%  

Fair value increases as discount rate decreases.

 

Volatility of real estate sale price

  0.00%  

Fair value increases as sale price increases.

 

Fair value of financial assets and liabilities classified into Level 3 is measured by the Group using its own valuation methods or using external specialists. Unobservable inputs used in the fair value measurements are produced by the internal system of the Group and the appropriateness of inputs is reviewed regularly.

 

(3)

Changes in financial assets and liabilities measured at fair value classified into Level 3 are as follows (Unit: Korean Won in millions):

 

     For six months ended June 30, 2018  
     January 1,
2018
     Net
income
(loss) (*1)
    Other
comprehensive
income
     Purchases/
issuances
    Disposals/
settlements
    Transfer to
or out of
Level 3 (*2)
     June 30,
2018
 

Financial assets:

                 

Financial assets at fair value through profit or loss mandatorily measured at fair value

                 

Debt securities

     9,694        (111     —          —         (2,141     —          7,442  

Equity securities

     280,171        22,834       —          50,005       (230     —          352,780  

Capital contributions

     294,121        21,934       —          49,367       (15,952     —          349,470  

Beneficiary certificates

     654,066        12,973       —          1,924,763       (1,843,007     —          748,795  

Loans

     165,001        3,616       —          125,807       (42,457     —          251,967  

Derivative assets

     19,346        65,856       —          1,936       (50,967     —          36,171  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Subtotal

     1,422,399        127,102       —          2,151,878       (1,954,754     —          1,746,625  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Financial assets at FVTOCI

                 

Equity securities

     451,287        (393     14,557        290       —         —          465,741  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Total

     1,873,686        126,709       14,557        2,152,168       (1,954,754     —          2,212,366  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Financial liabilities:

                 

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

                 

Derivative liabilities

     20,951        73,951       —          (3,058     (50,921     —          40,923  

Financial liabilities at fair value through profit or loss designated as upon initial recognition

                 

Equity-linked securities

     160,057        (1,438     —          179,044       (161,566     —          176,097  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Total

     181,008        72,513       —          175,986       (212,487     —          217,020  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

 

(*1)

The losses that increase financial liabilities are presented as positive amounts, and the gains that decrease financial liabilities are presented as negative amounts. The gain amounting to 61,323 million Won for six months ended June 30, 2018, which is from financial assets and liabilities that the Group holds as at the end of the periods, has been recognized in net gain (loss) on financial assets at FVTPL and net gain (loss) on financial assets at FVTOCI in the consolidated statement of comprehensive income.

(*2)

The Group recognizes transfers between levels at the end of reporting period within which events have occurred or conditions have changed.

 

     For the six months ended June 30, 2017  
     January 1,
2017
     Net
income
(loss) (*1)
    Other
comprehensive
income (loss)
     Purchases/
Issuances
     Disposals/
Settlements
    Transfer to
or out of
level 3 (*2)
     June 30,
2017
 

Financial assets:

                  

Financial assets held for trading

                  

Derivative assets

     23,153        21,217       —          472        (17,420     —          27,422  

Financial assets designed at FVTPL

                  

Debt securities

     4,348        191       —          2,000        —         —          6,539  

Equity securities

     12,652        (207     —          —          —         —          12,445  
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

Sub-total

     17,000        (16     —          2,000        —         —          18,984  
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

 

     For the six months ended June 30, 2017  
     January 1,
2017
     Net
income
(loss) (*1)
     Other
comprehensive
income (loss)
    Purchases/
Issuances
     Disposals/
Settlements
    Transfer to
or out of
level 3 (*2)
     June 30,
2017
 

AFS financial assets

                  

Equity securities

     1,024,935        19,241        10,175       27,289        (31,692     —          1,049,948  

Beneficiary certificates

     530,511        3,442        (2,188     127,147        (70,600     —          588,312  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Sub-total

     1,555,446        22,683        7,987       154,436        (102,292     —          1,638,260  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Derivative assets

     99        185        —         —          (284     —          —    
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Total

     1,595,698        44,069        7,987       156,908        (119,996     —          1,684,666  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Financial liabilities:

                  

Financial liabilities held for trading

                  

Derivative liabilities

     33,524        14,142        —         501        (15,015     —          33,152  

Financial liabilities designated at FVTPL

                  

Equity-linked securities

     673,709        83,962        —         —          (235,296     —          522,375  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Total

     707,233        98,104        —         501        (250,311     —          555,527  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

 

(*1)

The loss amounting to 61,518 million Won for the six months ended June 30, 2017, which is from financial assets and liabilities that the Group holds, has been recognized in net gain (loss) on financial instruments at FVTPL and net gain (loss) on AFS financial assets in the statement of comprehensive income.

(*2)

The Group recognizes transfers between levels at the end of reporting period within which events have occurred or conditions have changed.

 

(4)

Sensitivity analysis on the unobservable inputs used for measuring Level 3 financial instruments

The sensitivity analysis of the financial instruments has been performed by classifying with favorable and unfavorable changes based on how changes in unobservable assumptions would have effects on the fluctuations of financial instruments’ value. When the fair value of a financial instrument is affected by more than one unobservable assumption, the below table reflects the most favorable or the most unfavorable changes which resulted from varying the assumptions individually. The sensitivity analysis was performed for two types of level 3 financial instruments: (1) interest rate related derivatives, currency related derivatives, equity related derivatives, equity-linked securities beneficiary certificates and loans of which fair value changes are recognized as net income; (2) equity securities of which fair value changes are recognized as other comprehensive income.

The equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis.

The following table presents the sensitivity analysis to disclose the effect of reasonably possible volatility on the fair value of a Level 3 financial instruments (Unit: Korean Won in millions):

 

     June 30, 2018  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial assets:

          

Financial assets at FVTPL

          

Derivative assets (*1) (*2)

     4,305        (2,452     —          —    

Loans

     422        (323     —          —    

Debt securities

     914        (784     —          —    

Equity securities (*3) (*4)

     10,740        (7,562     —          —    

Beneficiary certificates (*4)

     1,436        (1,544     —          —    

Financial assets at FVTOCI

          

Equity securities (*3) (*4)

     —          —         19,464        (8,704
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     17,817        (12,665     19,464        (8,704
  

 

 

    

 

 

   

 

 

    

 

 

 

 

     June 30, 2018  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial liabilities:

          

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

          

Derivative liabilities (*1) (*2)

     2,409        (4,285     —          —    

Financial liabilities at fair value through profit or loss designated as upon initial recognition

          

Equity-linked securities (*1)

     1,083        (1,158     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     3,492        (5,443     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 
     December 31, 2017  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial assets:

          

Financial assets held for trading

          

Derivatives assets (*1) (*2)

     1,234        (526     —          —    

Financial assets designed at FVTPL

          

Debt securities (*5)

     265        (309     —          —    

Equity securities (*5)

     670        (624     —          —    

AFS Financial assets

          

Equity securities (*3) (*4)

     —          —         28,583        (15,246

Beneficiary certificates (*4)

     —          —         1,861        (1,857
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     2,169        (1,459     30,444        (17,103
  

 

 

    

 

 

   

 

 

    

 

 

 

Financial liabilities:

          

Financial liabilities held for trading

          

Derivative liabilities (*1) (*2)

     5        (513     —          —    

Financial liabilities designated at FVTPL

          

Equity-linked securities (*1)

     8        (7     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     13        (520     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

 

(*1)

Fair value changes of equity related derivatives assets and liabilities and equity-linked securities are calculated by increasing or decreasing historical volatility of the stock price and correlation, which are major unobservable variables, by 10%, respectively. In the case of interest rate related derivative assets and liabilities, fair value changes are calculated by increasing or decreasing the volatility of interest rate, which are major unobservable variables, by 10%.

(*2)

Both derivative assets and liabilities for held for trading and hedging are included.

(*3)

Fair value changes of equity securities are calculated by increasing or decreasing growth rate (0~1%) and discount rate or liquidation value (-1~1%). The growth rate, discount rate, and liquidation value are major unobservable variables.

(*4)

Even if the sensitivity analysis of the capital contributions and beneficiary certificates is not possible in practice, fair value changes of beneficiary certificates and other securities whose major unobservable variables are composed of the real estate are calculated by increasing or decreasing price fluctuation of real estate which is underlying assets and discount rate by 1%.

(*5)

Changes of fair value are measured by increasing or decreasing the discount rate by 10%, which is major unobservable variable, respectively.

 

(5)

Fair value and carrying amount of financial assets and liabilities that are recorded at amortized cost are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Fair value      Book
value
 
     Level 1      Level 2      Level 3      Total  

Financial assets:

              

Securities at amortized cost

     1,792,215        15,911,262        —          17,703,477        17,702,129  

Loans and other financial assets at amortized cost

     —          —          277,718,440        277,718,440        277,720,003  

Financial liabilities:

              

Deposits due to customers

     —          237,811,780        —          237,811,780        237,900,166  

Borrowings

     —          15,924,417        —          15,924,417        15,899,599  

Debentures

     —          26,586,897        —          26,586,897        26,752,725  

Other financial liabilities

     —          21,405,921        —          21,405,921        21,408,267  

 

     December 31, 2017  
     Fair value      Book
value
 
     Level 1      Level 2      Level 3      Total  

Financial assets:

              

HTM financial assets

     1,206,292        15,509,387        —          16,715,679        16,749,296  

Loans and receivables

     —          —          265,570,649        265,570,649        267,106,204  

Financial liabilities:

              

Deposits due to customers

     —          234,682,775        —          234,682,775        234,695,084  

Borrowings

     —          14,754,506        —          14,754,506        14,784,706  

Debentures

     —          27,889,781        —          27,889,781        27,869,651  

Other financial liabilities

     —          13,890,789        —          13,890,789        13,892,461  

The fair values of financial instruments are measured using quoted market price in active markets. In case there is no active market for financial instruments, the Group determines the fair value using valuation methods. Valuation methods and input variables for financial assets and liabilities that are measured at amortized costs are given as follows:

 

    

Valuation methods

  

Input variables

Securities at amortized cost (HTM financial assets in previous year)

  

The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.

  

Risk-free market rate and credit spread

Loans and other financial assets at amortized cost (Loans and receivables in previous year)

  

The fair value is measured by discounting the projected cash flows of loan products by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the debtor.

  

Risk-free market rate, credit spread and prepayment-rate

Deposits due to customers, borrowings, debentures and other financial liabilities

  

The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting credit rating of the Group.

  

Risk-free market rate and forward rate

 

(6)

Financial instruments by category

Carrying amounts of financial assets and liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Financial assets

   Financial asset
at FVTPL
     Financial assets
at FVTOCI
     Financial assets at
amortized cost
     Derivatives
assets held for
hedging
     Total  

Deposits

     24,921        —          17,770,356        —          17,795,277  

Securities at fair value through profit or loss

     3,587,605        —          —          —          3,587,605  

Securities at FVTOCI

     —          14,644,608        —          —          14,644,608  

Securities at amortized cost

     —          —          17,702,129        —          17,702,129  

Loans

     336,967        —          248,794,014        —          249,130,981  

Derivative assets

     2,391,211        —          —          12,395        2,403,606  

Other financial assets at amortized cost

     —          —          11,155,633        —          11,155,633  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     6,340,704        14,644,608        295,422,132        12,395        316,419,839  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

Financial liabilities

   June 30, 2018  
   Financial liabilities
at FVTPL
     Financial liabilities
at amortized cost
     Derivatives
liabilities held for
hedging
     Total  

Deposits due to customers

     24,485        237,900,166        —          237,924,651  

Borrowings

     176,097        15,899,599        —          16,075,696  

Debentures

     —          26,752,725        —          26,752,725  

Derivative liabilities

     2,377,750        —          67,505        2,445,255  

Other financial liabilities (*)

     —          21,463,163        —          21,463,163  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,578,332        302,015,653        67,505        304,661,490  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Other financial liabilities include 54,896 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note 23).

 

     December 31, 2017  

Financial assets

   Financial assets
at FVTPL
     AFS financial
assets
     HTM financial
assets
     Loans      Derivatives
assets held for
hedging
     Total  

Deposits

     25,972        —          —          8,868,378        —          8,894,350  

Financial assets at FVTPL

     2,701,330        —          —          —          —          2,701,330  

AFS financial assets

     —          15,352,950        —          —          —          15,352,950  

HTM financial assets

     —          —          16,749,296        —          —          16,749,296  

Loans

     —          —          —          251,523,301        —          251,523,301  

Derivative assets

     3,115,775        —          —          —          59,272        3,175,047  

Other financial assets at amortized cost

     —          —          —          6,714,525        —          6,714,525  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     5,843,077        15,352,950        16,749,296        267,106,204        59,272        305,110,799  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

Financial liabilities

   June 30, 2017  
   Financial liabilities
at FVTPL
     Financial liabilities
at amortized cost
     Derivatives
liabilities held for
hedging
     Total  

Deposits due to customers

     25,964        234,695,084        —          234,721,048  

Borrowings

     160,057        14,784,706        —          14,944,763  

Debentures

     91,739        27,869,651        —          27,961,390  

Derivative liabilities

     3,150,149        —          67,754        3,217,903  

Other financial liabilities (*)

     —          13,964,158        —          13,964,158  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,427,909        291,313,599        67,754        294,809,262  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Other financial liabilities include 71,697 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note 23).

XML 33 R17.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derecognition and offset of financial instruments
6 Months Ended
Jun. 30, 2018
Disclosure of derecognition and offsetting of financial assets and liabilities [Abstract]  
Disclosure of derecognition and offsetting of financial assets and liabilities

 

12.

DERECOGNITION AND OFFSET OF FINANCIAL INSTRUMENTS

 

(1)

Derecognition of financial instruments

Transferred financial assets that do not meet the condition of derecognition in their entirety.

 

  a)

Disposal of securities under repurchase agreements

The financial instruments that were disposed but the Group agreed to repurchase at the fixed amounts at the same time, so that they did not meet the conditions of derecognition, are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Assets transferred

   Financial assets at FVTOCI      10,002        —    
   AFS financial assets      —          9,998  
   Securities at amortized cost      5,444        —    
   HTM financial assets      —          5,436  
     

 

 

    

 

 

 
  

Total

     15,446        15,434  
     

 

 

    

 

 

 

Related liabilities

   Bonds sold under repurchase agreements      5,372        3,173  
     

 

 

    

 

 

 

 

  b)

Securities loaned

When the Group loans its securities to outside parties, the legal ownerships of the securities are transferred; however, they should be returned at the end of lending period. Therefore, the Group does not derecognize them from the financial statements as it owns majority of risks and benefits from the securities continuously, regardless of the transfer of legal ownership. The carrying amounts of the securities loaned are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017      Loaned to

Financial assets at FVTOCI

  

Korean treasury, corporation bonds and others

     50,139        —        Korea Securities
Finance
Corporation

AFS financial assets

  

Korean treasury, government bonds and others

     —          170,256      Korea Securities
Finance
Corporation
and others
     

 

 

    

 

 

    
  

Total

     50,139        170,256     
     

 

 

    

 

 

    

 

The details of the transferred financial assets that are not meet the condition of derecognition in their entirety, such as disposal of securities under repurchase agreement or securities loaned, are explained in Note 18.

 

(2)

The offset of financial assets and liabilities

The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position.

The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset.

The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year).

As of June 30, 2018 and December 31, 2017, the financial instruments to be off set and may be covered by master netting agreements and similar agreements are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Gross
amounts of
recognized
financial
assets
     Gross
amounts of
recognized
financial
assets set off
     Net
amounts of
financial
assets
presented
     Related amounts not set off
in the consolidated statement
of financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
received
 

Financial assets:

                 

Derivative assets and others (*1)

     2,132,698        —          2,132,698        8,716,272        21,543        857,980  

Receivable spot exchange (*2)

     7,463,097        —          7,463,097  

Bonds purchased under resale agreements (*2)

     6,999,881        —          6,999,881        6,999,881        —          —    

Domestic exchanges receivable (*2)(*5)

     27,527,610        27,338,204        189,406        —          —          189,406  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     44,123,286        27,338,204        16,785,082        15,716,153        21,543        1,047,386  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     June 30, 2018  
     Gross
amounts of
recognized
financial
liabilities
     Gross
amounts of
recognized
financial
liabilities set
off
     Net
amounts of
financial
liabilities
presented
     Related amounts not set off
in the consolidated statement
of financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
pledged
 

Financial liabilities:

                 

Derivative liabilities and others (*1)

     2,305,516        —          2,305,516        8,704,614        208,955        856,626  

Payable spot exchange (*3)

     7,464,679        —          7,464,679  

Bonds sold under repurchase agreements (*4)

     5,372        —          5,372        5,372        —          —    

Domestic exchanges payable (*3)(*5)

     31,538,065        27,338,204        4,199,861        3,408,953        —          790,908  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     41,313,632        27,338,204        13,975,428        12,118,939        208,955        1,647,534  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The items include derivatives held for trading, derivatives held for hedging and equity-linked securities.

(*2)

The items are included in loan at amortized cost and other financial assets.

(*3)

The items are included in other financial liabilities.

(*4)

The items are included in borrowings.

(*5)

Certain financial assets and liabilities are presented as net amounts.

 

     December 31, 2017  
     Gross
amounts of
recognized
financial
assets
     Gross
amounts of
recognized
financial
assets set off
     Net
amounts of
financial
assets
presented
     Related amounts not set off in
the consolidated statement of
financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
received
 

Financial assets:

                 

Derivative assets and others (*1)

     2,992,476        1,710        2,990,766        5,787,448        174,415        796,629  

Receivable spot exchange (*2)

     3,767,726        —          3,767,726  

Bonds purchased under resale agreements (*2)

     16,859,064        —          16,859,064        16,859,064        —          —    

Domestic exchanges receivable (*2)(*5)

     39,050,227        38,985,354        64,873        —          —          64,873  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     62,669,493        38,987,064        23,682,429        22,646,512        174,415        861,502  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Gross
amounts of
recognized
financial
liabilities
     Gross
amounts of
recognized
financial
liabilities set
off
     Net
amounts of
financial
liabilities
presented
     Related amounts not set off in
the consolidated statement of
financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
pledged
 

Financial liabilities:

                 

Derivative liabilities and others (*1)

     3,160,217        1,710        3,158,507        5,866,682        157,750        857,961  

Payable spot exchange (*3)

     3,723,886        —          3,723,886  

Bonds sold under repurchase agreements (*4)

     3,173        —          3,173        3,173        —          —    

Domestic exchanges payable (*3)(*5)

     40,284,515        38,985,354        1,299,161        1,293,931        —          5,230  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     47,171,791        38,987,064        8,184,727        7,163,786        157,750        863,191  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The items include derivatives held for trading, derivatives for hedging and equity linked securities.

(*2)

The items are included in loans and receivables.

(*3)

The items are included in other financial liabilities.

(*4)

The items are included in borrowings.

(*5)

Certain financial assets and liabilities are presented at as net amounts.

XML 34 R18.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment in Joint Ventures and Associates
6 Months Ended
Jun. 30, 2018
Equity Method Investments And Joint Ventures [Abstract]  
Investment In Joint Ventures And Associates

 

13. INVESTMENTS IN JOINT VENTURES AND ASSOCIATES

 

(1)

Investments in joint ventures and associates accounted for using the equity method of accounting are as follows (Unit: Korean Won in millions):

 

          Percentage of
ownership (%)
     Financial
statements as of
(2018)
 

Joint ventures and Associates

  

Main business

   June 30,
2018
     December 31,
2017
 

Woori Bank:

           

Kumho Tire Co., Inc. (*1)(*2)

   Manufacturing      14.2        14.2        March 31  (*3) 

Woori Service Networks Co., Ltd. (*4)

   Freight & staffing services      4.9        4.9        May 31  (*3) 

Korea Credit Bureau Co., Ltd. (*5)

   Credit information      9.9        9.9        June 30  

Korea Finance Security Co., Ltd. (*4)

   Security service      15.0        15.0        May 31  (*3) 

Chin Hung International Inc. (*2)

   Construction      25.3        25.3        May 31  (*3) 

Poonglim Industrial Co., Ltd. (*6)(*9)

   Construction      —          29.4        —    

STX Engine Co., Ltd. (*10)

   Manufacturing      —          29.2        —    

STX Corporation (*1)(*11)

   Wholesale of non-specialized goods      19.7        19.7        May 31  (*3) 

Saman Corporation (*5)

   General construction Technology service      9.2        9.2        May 31  (*3) 

Dongwoo C & C Co., Ltd. (*6)

   Construction      23.2        23.2        —    

SJCO Co., Ltd. (*6)

   Aggregate transportation and wholesale      26.5        26.5        —    

G2 Collection Co., Ltd. (*6)

   Wholesale and retail sales      28.9        28.9        —    

The Base Enterprise Co., Ltd. (*6)

   Manufacturing      48.4        48.4        —    

Kyesan Engineering Co., Ltd. (*6)

   Construction      23.2        23.2        —    

Good Software Lap Co., Ltd. (*6)

   Service      28.9        28.9        —    

Wongwang Co., Ltd. (*6)

   Wholesale and real estate      29.0        29.0        —    

Sejin Construction Co., Ltd. (*6)

   Construction      29.6        29.6        —    

QTS Shipping Co., Ltd. (*6)

   Composite transportation Arrangement      49.4        49.4        —    

DAEA SNC Co., Ltd. (*6)

   Wholesale and retail sales      24.0        24.0     

ARES-TECH Co., Ltd. (*6)

   Electronic component manufacturing      23.4        23.4        —    

Reading Doctors Co., Ltd. (*6)

   Other service business      35.4        35.4        —    

PREXCO Co., Ltd. (*6)

   Manufacturing      28.1        28.1        —    

Hyunwoo International Co., Ltd. (*6)

   Manufacturing      25.9        25.9        —    

Jiwon Plating Co., Ltd. (*6)

   Plating      20.5        20.5        —    

Cultizm Korea LTD Co., Ltd. (*6)

   Wholesale and retail sales      31.3        31.3        —    

Gil Co.,Ltd. (*6)

   Manufacturing      26.1        26.1        —    

NK Eng Co., Ltd. (*6)

   Manufacturing      23.1        23.1        —    

Youngdong Sea Food Co., Ltd. (*6)(*7)

   Processed sea food manufacturing      24.0        —          —    

Woori Growth Partnerships New Technology Private Equity Fund

   Other financial business      23.1        23.1        June 30  

2016KIF-IMM Woori Bank Technology Venture Fund

   Other financial business      20.0        20.0        June 30  

K BANK Co., Ltd. (*5)

   Finance      13.0        13.0        May 31  (*3) 

Smart Private Equity Fund No.2

   Other financial business      20.0        20.0        June 30  

Woori Bank-Company K Korea Movie Asset Fund

   Other financial business      25.0        25.0        June 30  

Well to Sea No. 3 Private Equity Fund (*12)

   Finance      50.0        50.0        March 31  (*3) 

Partner One Value Up I Private Equity Fund (*8)

   Other financial business      23.3        —          June 30  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership (*8)

   Other Finance business      20.0        —          June 30  

Woori Investment Bank Co., Ltd.:

           

Nomura-Rifa Private Real Estate Investment Trust No.17

   Other financial business      21.9        25.0        June 30  

 

(*1)

The Group has significant influence on these entities through its position in the creditors’ council which is the decision making body regarding to financial and operational policies of associates.

(*2)

The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. (current period: KRW 6,310, previous year: KRW 4,425), Chin Hung International Inc. (current period: KRW 1,935, previous year: KRW 1,915).

 

(*3)

The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.

(*4)

Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017.

(*5)

The Group can participate in decision-making body and exercise significant influence over associates through business partnerships.

(*6)

The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.

(*7)

As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration.

(*8)

Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates.

(*9)

The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018.

(*10)

The entity was sold after it was transferred to assets held for sale for the year ended June 30, 2018.

(*11)

The shares of STX Corporation owned by the Group were reclassified as assets held for sale, as the creditor financial institutions committee entered into a contract with AFC Korea Co., Ltd. during the previous year to sell STX Corporation shares.

(*12)

The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them.

 

(2)

Changes in the carrying value of investments in joint ventures and associates accounted for using the equity method of accounting are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Acquisition
cost
    January 1,
2018
    Share of
profits
(losses)
    Acquisition     Disposal
and others
(*1)
    Dividends     Change in
Capital
    June 30,
2018
 

Kumho Tire Co., Inc.

    175,652       98,933       (10,451     —         —         —         (5,196     83,286  

Woori Service Networks Co., Ltd.

    108       158       (20     —         —         —         —         138  

Korea Credit Bureau Co., Ltd.

    3,313       5,816       692       —         —         (113     —         6,395  

Korea Finance Security Co., Ltd.

    3,267       3,519       4       —         —         (54     1       3,470  

Chin Hung International Inc.

    130,779       45,101       3,179       —         —         —         (484     47,796  

Poonglim Industrial Co., Ltd.

    13,916       —         —         —         —         —         —         —    

STX Corporation

    50,760       6,947       (816     —         (5,865     —         (266     —    

Saman Corporation

    8,521       1,254       (48     —         —         —         34       1,240  

Woori Growth Partnerships New Technology Private Equity Fund

    28,833       27,611       1,139       —         (3,346     (484     —         24,920  

2016KIF-IMM Woori Bank Technology Venture Fund

    6,840       6,840       —         6,780       —         —         —         13,620  

K BANK Co., Ltd.

    45,392       31,735       (5,384     —         —         —         7       26,358  

Smart Private Equity Fund No.2

    3,000       2,932       (21     —         —         —         —         2,911  

Woori Bank-Company K Korea Movie Asset Fund

    3,000       2,957       10       —         —         —         —         2,967  

Well to Sea No.3 Private Equity Fund

    101,992       182,309       10,321       —         (508     —         (6,423     185,699  

Partner One Value Up I Private Equity Fund

    10,000       —         (13     10,000       —         —         —         9,987  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

    3,268       —         —         3,268       —         —         —         3,268  

Nomura-Rifa Private Real Estate Investment Trust No.17

    1,000       939       (54     —         —         —         —         885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    589,641       417,051       (1,462     20,048       (9,719     (651     (12,327     412,940  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Investments in joint ventures and associates decreased by 5,865 million Won through transfers to assets held for sale which occurred during the six months ended June 30, 2018.

 

    For the six months ended June 30, 2017  
    Acquisition
cost
    January 1,
2017
    Share of
profits
(losses)
    Acquisition
(*1)
    Disposal
and others
(*2)
    Dividends     Change in
Capital
    Others
(*1)
    June 30,
2017
 

Woori Blackstone Korea Opportunity No.1 Private Equity Fund

    6,881       15,289       (1,460     —         —         —         —         —         13,829  

Kumho Tire Co., Inc.

    175,652       200,332       2       —         —         —         (1,623     —         198,711  

Woori Service Networks Co., Ltd.

    108       145       (10     —         —         (8     —         —         127  

Korea Credit Bureau Co., Ltd.

    3,313       5,592       508       —         —         (149     —         —         5,951  

Korea Finance Security Co., Ltd.

    3,266       3,376       63       —         —         (54     —         —         3,385  

Chin Hung International Inc.

    89,725       43,032       (20,050     41,053       —         —         171       (25,966     38,240  

Poonglim Industrial Co., Ltd.

    13,916       —         —         —         —         —         —         —         —    

STX Engine Co., Ltd.

    92,038       43,036       722       —         —         —         4,047       —         47,805  

SamHo Co., Ltd.

    7,492       19,729       2,021       —         (16,354     —         (73     (5,323     —    

STX Corporation

    42,215       —         (33,739     8,546       —         —         (215     27,772       2,364  

Saman Corporation

    8,521       8,699       (96     —         —         —         26       —         8,629  

Woori Growth Partnerships New Technology Private Equity Fund

    13,602       13,118       (371     5,745       (498     —         (156     —         17,838  

2016KIF-IMM Woori Bank Technology Venture Fund

    1,800       1,800       —         3,240       —         —         —         —         5,040  

K BANK Co., Ltd.

    32,500       30,442       (5,861     —         —         —         (139     —         24,442  

Smart Private Equity Fund No.2

    3,000       —         (47     3,000       —         —         —         —         2,953  

Woori Bank-Company K Korea Movie Asset Fund

    1,500       —         (15     1,500       —         —         —         —         1,485  

Woori Renaissance Holdings

    63,000       54,422       (622     —         —         (57,109     —         3,309       —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    558,529       439,012       (58,955     63,084       (16,852     (57,320     2,038       (208     370,799  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Changes in investments in joint ventures and associates due to debt-equity swap is 51,405 million Won.

(*2)

Investments in joint ventures and associates decreased by 16,354 million Won through transfers to assets held for sale occurred for the six months ended June 30, 2017.

 

(3)

Summary financial information relating to investments in joint ventures and associates accounted for using the equity method of accounting is as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
 

Kumho Tire Co., Inc.

     4,513,972        3,521,608        624,981        (10,774

Woori Service Networks Co., Ltd.

     4,909        2,111        7,250        456  

Korea Credit Bureau Co., Ltd.

     80,792        18,764        37,342        5,919  

Korea Finance Security Co., Ltd.

     32,635        9,501        27,161        91  

Chin Hung International Inc.

     403,962        311,502        263,861        19,062  

Saman Corporation

     89,932        61,583        26,418        (326

Woori Growth Partnerships New Technology Private Equity Fund

     108,427        441        7,865        4,936  

2016KIF-IMM Woori Bank Technology Venture Fund

     65,760        383        6        (754

K BANK Co., Ltd.

     1,758,930        1,557,206        24,296        (32,126

Smart Private Equity Fund No.2

     14,605        51        1        (106

Woori Bank-Company K Korea Movie Asset Fund

     11,872        3        893        769  

Well to Sea No.3 Private Equity Fund

     5,297,764        4,759,158        140,041        13,450  

Partner One Value Up I Private Equity Fund

     43,114        172        114        (58

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

     15,843        744        4        (822

Nomura-Rifa Private Real Estate Investment Trust No.17

     20,433        16,407        56        (55

 

     December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
 

Kumho Tire Co., Inc.

     5,105,107        3,928,327        2,136,569        (61,748

Woori Service Networks Co., Ltd.

     4,982        1,780        14,887        1,003  

Korea Credit Bureau Co., Ltd.

     75,504        19,323        68,750        3,580  

Korea Finance Security Co., Ltd.

     33,915        10,461        55,610        1,071  

Chin Hung International Inc.

     341,284        259,454        513,285        28,698  

Poonglim Industrial Co., Ltd.

     241,063        309,925        107,360        (29,812

STX Corporation

     595,348        543,458        1,371,272        342,869  

Saman Corporation

     98,435        69,929        76,135        (6,096

Woori Growth Partnerships New Technology Private Equity Fund

     120,133        485        1,024        (3,199

2016KIF-IMM Woori Bank Technology Venture Fund

     32,815        380        6        (1,515

K BANK Co., Ltd.

     1,244,270        1,001,121        19,231        (74,403

Smart Private Equity Fund No.2

     14,711        51        1        (340

Woori Bank-Company K Korea Movie Asset Fund

     11,830        2        16        (172

Well to Sea No.3 Private Equity Fund

     5,068,424        4,534,957        131,488        162,743  

Nomura-Rifa Private Real Estate Investment Trust No.17

     20,265        16,507        62        (242

 

(4)

The entities that the Group has not applied equity method of accounting although the Group’s ownership interest is more than 20% as of June 30, 2018 and December 31, 2017 are as follows:

 

     June 30, 2018  

Associate (*)

   Number of shares owned      Ownership (%)  

Poonglim Industrial Co., Ltd.

     4,142,782        29.1  

Orient Shipyard Co., Ltd.

     464,812        21.4  

Saenuel Co., Ltd.

     3,531        37.4  

E Mirae Tech Co., Ltd.

     7,696        41.0  

Jehin Trading Co., Ltd.

     81,610        27.3  

The season Co., Ltd.

     18,187        30.1  

Yuil PESC Co., Ltd.

     8,642        24.0  

Sinseong Trading Co., Ltd.

     2,584        27.2  

CL Tech Co., Ltd.

     13,759        38.6  

Force TEC Co., Ltd.

     4,780,907        25.8  

Protronics Co., Ltd.

     95,921        48.1  

Instern Co., Ltd.

     14,296        20.1  

 

(*)

Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.

 

     As of December 31, 2017  

Associate (*)

   Number of shares owned      Ownership (%)  

Orient Shipyard Co., Ltd.

     465,050        21.4  

Saenuel Co., Ltd.

     3,531        37.4  

E Mirae Tech Co., Ltd.

     7,696        41.0  

Jehin Trading Co., Ltd.

     81,610        27.3  

The season Co., Ltd.

     18,187        30.1  

Yuil PESC Co., Ltd.

     8,642        24.0  

Youngdong Sea Food Co., Ltd.

     12,106        24.0  

Sinseong Trading Co., Ltd.

     2,584        27.2  

CL Tech Co., Ltd.

     13,759        38.6  

Force TEC Co., Ltd.

     4,780,907        25.8  

Protronics Co., Ltd.

     95,921        48.1  

Instern Co., Ltd.

     14,296        20.1  

 

(*)

Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.

 

(5)

As of June 30, 2018 and December 31, 2017, the reconciliations from the net assets of associates based on the ownership ratio of the Group to its corresponding book value of investment in joint ventures and associates are as follows (Unit: Korean Won in millions except for ownership):

 

    June 30, 2018  
    Total net
asset
    Ownership
(%)
    Ownership
portion of net
assets
    Cost-book
value
differential
and others
    Impairment     Intercompany
transaction
and others
    Book
value
 

Kumho Tire Co., Inc. (*)

    954,857       14.2       135,122       48,459       (102,843     2,548       83,286  

Woori Service Networks Co., Ltd.

    2,798       4.9       138       —         —         —         138  

Korea Credit Bureau Co., Ltd.

    62,028       9.9       6,149       246       —         —         6,395  

Korea Finance Security Co., Ltd.

    23,134       15.0       3,470       —         —         —         3,470  

Chin Hung International Inc. (*)

    92,316       25.3       23,361       24,565       —         (130     47,796  

Saman Corporation

    28,349       9.2       2,605       5,373       (6,738     —         1,240  

Woori Growth Partnerships New Technology Private Equity Fund

    107,986       23.1       24,920       —         —         —         24,920  

2016KIF-IMM Woori Bank Technology Venture Fund

    65,377       20.0       13,075       —         —         545       13,620  

K BANK Co., Ltd.

    201,724       13.0       26,162       —         —         196       26,358  

Smart Private Equity Fund No.2

    14,554       20.0       2,911       —         —         —         2,911  

Woori Bank-Company K Korea Movie Asset Fund

    11,869       25.0       2,967       —         —         —         2,967  

Well to Sea No.3 Private Equity Fund (*)

    371,813       50.0       185,816       —         —         (117     185,699  

Partner One Value Up I Private Equity Fund

    42,942       23.3       9,987       —         —         —         9,987  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

    15,099       20.0       3,020       —         —         248       3,268  

Nomura-Rifa Private Real Estate Investment Trust No.17

    4,026       21.9       882       —         —         3       885  

 

(*)

The net asset amount is after reflecting debt-equity swap and others.

 

    December 31, 2017  
    Total net
asset
    Ownership
(%)
    Ownership
portion of net
assets
    Cost-book
value
differential
and others
    Impairment     Intercompany
transaction
and others
    Book
value
 

Kumho Tire Co., Inc. (*)

    1,065,421       14.2       150,767       48,459       (102,843     2,550       98,933  

Woori Service Networks Co., Ltd.

    3,202       4.9       158       —         —         —         158  

Korea Credit Bureau Co., Ltd.

    56,181       9.9       5,568       248       —         —         5,816  

Korea Finance Security Co., Ltd.

    23,454       15.0       3,519       —         —         —         3,519  

Chin Hung International Inc. (*)

    81,686       25.3       20,671       24,565       —         (135     45,101  

Poonglim Industrial Co., Ltd. (*)

    (168,154     29.4       (49,446     54,542       (20,504     15,408       —    

STX Corporation

    51,890       19.7       10,232       24,614       (27,904     5       6,947  

Saman Corporation

    28,506       9.2       2,619       5,373       (6,738     —         1,254  

Woori Growth Partnerships New Technology Private Equity Fund

    119,648       23.1       27,611       —         —         —         27,611  

2016KIF-IMM Woori Bank Technology Venture Fund

    32,435       20.0       6,487       —         —         353       6,840  

K BANK Co., Ltd.

    243,149       13.0       31,535       —         —         200       31,735  

Smart Private Equity Fund No.2

    14,660       20.0       2,932       —         —         —         2,932  

Woori Bank-Company K Korea Movie Asset Fund

    11,828       25.0       2,957       —         —         —         2,957  

Well to Sea No.3 Private Equity Fund (*)

    364,909       50.0       182,366       —         —         (57     182,309  

Nomura-Rifa Private Real Estate Investment Trust No.17

    3,758       25.0       939       —         —         —         939  

 

(*)

The net asset amount is after reflecting debt-equity swap and others.

XML 35 R19.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment Properties
6 Months Ended
Jun. 30, 2018
Disclosure Of Investment Property [Abstract]  
Investment Properties

 

14. INVESTMENT PROPERTIES

 

(1)

Details of investment properties are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Acquisition cost

     417,692        404,741  

Accumulated depreciation

     (36,515      (33,440
  

 

 

    

 

 

 

Net carrying value

     381,177        371,301  
  

 

 

    

 

 

 

 

(2)

Changes in investment properties are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30  
     2018     2017  

Beginning balance

     371,301       358,497  

Acquisition

     7,311       1,221  

Disposal

     (1,738     (225

Depreciation

     (2,010     (1,991

Transfers

     6,333       (2,708

Classified to held for sale

     —         (534

Foreign currencies translation adjustments

     (79     (120

Others

     59       5,797  
  

 

 

   

 

 

 

Ending balance

     381,177       359,937  
  

 

 

   

 

 

 

 

(3)

Rental fee earned from investment properties is amounting to 2,396 million Won and 2,411 million Won for the six months ended June 30, 2018 and 2017, respectively.

XML 36 R20.htm IDEA: XBRL DOCUMENT v3.10.0.1
Premises and Equipment
6 Months Ended
Jun. 30, 2018
Disclosure Of Property Plant And Equipment [Abstract]  
Premises And Equipment

15. PREMISES AND EQUIPMENT

 

(1)

Details of premises and equipment are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Land      Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
     Structures     Total  

Acquisition cost

     1,482,169        863,503       1,105,029       441,835       4,421        20       3,896,977  

Accumulated depreciation

     —          (197,688     (868,768     (379,750     —          (17     (1,446,223
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Net carrying value

     1,482,169        665,815       236,261       62,085       4,421        3       2,450,754  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

 

     December 31, 2017  
     Land      Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
     Structures     Total  

Acquisition cost

     1,487,278        867,804       1,024,186       429,665       64,559        20       3,873,512  

Accumulated depreciation

     —          (186,958     (844,114     (364,878     —          (17     (1,395,967
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Net carrying value

     1,487,278        680,846       180,072       64,787       64,559        3       2,477,545  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

 

(2)

Details of changes in premises and equipment are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Land     Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
    Structures     Total  

Beginning balance

     1,487,278       680,846       180,072       64,787       64,559       3       2,477,545  

Acquisitions

     463       4,326       27,635       6,928       3,342       —         42,694  

Disposals

     —         —         (72     (89     —         —         (161

Depreciation

     —         (12,960     (36,144     (17,696     —         —         (66,800

Classified to held for sale

     (3,573     (2,477     —         —         —         —         (6,050

Transfer

     (1,910     (4,423     63,433       —         (63,433     —         (6,333

Foreign currencies translation adjustments

     (89     (121     352       489       (47     —         584  

Acquisition through business combination

     —         —         969       661       —         —         1,630  

Others

     —         624       16       7,005       —         —         7,645  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     1,482,169       665,815       236,261       62,085       4,421       3       2,450,754  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
     For the six months ended June 30, 2017  
     Land     Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
    Structures     Total  

Beginning balance

     1,488,745       691,699       189,902       68,958       18,717       4       2,458,025  

Acquisitions

     —         3,831       31,624       8,120       25,053       —         68,628  

Disposals

     (606     (205     (235     (423     —         —         (1,469

Depreciation

     —         (13,029     (38,063     (18,253     —         (1     (69,346

Classified to assets held for sale

     (1,743     (441     —         —         —         —         (2,184

Transfer

     2,466       403       5,485       —         (5,646     —         2,708  

Foreign currencies translation adjustments

     (596     (560     (676     (675     (247     —         (2,754

Others

     —         (6     188       5,386       —         —         5,568  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     1,488,266       681,692       188,225       63,113       37,877       3       2,459,176  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
XML 37 R21.htm IDEA: XBRL DOCUMENT v3.10.0.1
Intangible assets
6 Months Ended
Jun. 30, 2018
Disclosure Of Intangible Assets [Abstract]  
Intangible assets

 

16. INTANGIBLE ASSETS

 

(1)

Details of intangible assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Goodwill      Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
     Total  

Acquisition cost

     154,644        208,383       1,180       463,361       717,332       26,087       8,978        1,579,965  

Accumulated amortization

     —          (170,700     (611     (199,179     (550,996     —         —          (921,486

Accumulated impairment losses

     —          —         —         —         (137     (4,828     —          (4,965
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

Net carrying value

     154,644        37,683       569       264,182       166,199       21,259       8,978        653,514  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 
     December 31, 2017  
     Goodwill      Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
     Total  

Acquisition cost

     108,707        203,418       1,063       260,087       634,150       27,337       153,209        1,387,971  

Accumulated amortization

     —          (162,746     (524     (182,846     (516,467     —         —          (862,583

Accumulated impairment losses

     —          —         —         —         (137     (6,652     —          (6,789
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

Net carrying value

     108,707        40,672       539       77,241       117,546       20,685       153,209        518,599  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

 

(2)

Details of changes in intangible assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Goodwill     Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
    Total  

Beginning balance

     108,707       40,672       539       77,241       117,546       20,685       153,209       518,599  

Acquisitions

     —         3,737       117       21,455       36,191       2,311       84,318       148,129  

Disposal

     —         —         —         —         —         (2,107     —         (2,107

Amortization (*)

     —         (7,510     (87     (16,317     (34,162     —         —         (58,076

Reversal of impairment loss

     —         —         —         —         —         339       —         339  

Transfer

     —         —         —         181,803       46,746       —         (228,549     —    

Acquisition through business combination

     47,406       763       —         —         —         —         —         48,169  

Foreign currencies translation adjustment

     (1,469     21       —         —         243       74       —         (1,131

Others

     —         —         —         —         (365     (43     —         (408
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     154,644       37,683       569       264,182       166,199       21,259       8,978       653,514  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Amortization of other intangible assets amounting to 25,179 million Won is included in other operating expenses.

 

     June 30, 2017  
     Goodwill     Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
    Total  

Beginning balance

     124,803       35,477       313       70,697       164,364       20,086       67,999       483,739  

Acquisitions

     105       10,152       54       12,628       10,276       480       55,984       89,679  

Disposal

     —         —         —         —         —         (866     —         (866

Amortization (*)

     —         (8,064     (56     (11,515     (30,389     —         —         (50,024

Impairment loss

     —         —         —         —         —         (128     —         (128

Transfer

     —         8,091       —         —         36       —         (8,127     —    

Foreign currencies translation adjustment

     (7,479     (68     —         —         (1,053     (81     (383     (9,064

Others

     —         (22     —         (55     (6,371     (6     —         (6,454
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     117,429       45,566       311       71,755       136,863       19,485       115,473       506,882  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Amortization of other intangible assets amounting to 24,443 million Won is included in other operating expenses.

XML 38 R22.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets Held for sale
6 Months Ended
Jun. 30, 2018
Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [Abstract]  
Assets Held for Sale

 

17. ASSETS HELD FOR SALE

Assets held for sale are as follows (Unit: Korean Won in millions):

 

     June 30,
2018
     December 31,
2017
 

Investments in joint ventures and associates

     5,865        46,217  

Premises and equipment, etc (*)

     12,840        2,407  
  

 

 

    

 

 

 

Total

     18,705        48,624  
  

 

 

    

 

 

 

 

(*)

As of June 30, 2018 and December 31, 2017, non-operating assets of the subsidiaries include land and buildings classified as assets held for sale amounting to 5,223 million Won and 840 million Won, respectively.

XML 39 R23.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets Subject to Lien and Assets Acquired Through Foreclosures
6 Months Ended
Jun. 30, 2018
Disclosure Of Collateral [Abstract]  
Assets Subject To Lien And Assets Acquired Through Foreclosures

 

18.

ASSETS SUBJECT TO LIEN AND ASSETS ACQUIRED THROUGH FORECLOSURES

 

(1)

Assets subjected to lien are as follows (Unit: Korean Won in millions):

 

       

June 30, 2018

       

Collateral given to

  Amount    

Reason for collateral

Loan at amortized cost and other financial assets

 

Due from banks on time in local currency

  DaishinAMC and others     1,500     Right of pledge
 

Due from banks in local currencies

 

Samsung Securities Co., Ltd. and others

    19,698    

Margin deposit for futures or option

 

Due from banks in foreign currencies

 

Korea Investment & Securities Co., Ltd. and others

    135,515    

Foreign margin deposit for future or option and others

Financial assets at FVTPL  

Korean financial institutions’ debt securities and others

 

Kyobo Life Insurance Co., Ltd. and others

    72,915     CSA collateral and others
Financial assets at FVTOCI  

Korean treasury and corporate bonds

 

Korea Securities Depository

    10,002    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     1,621,221     Settlement risk and others
Securities at amortized cost  

Korean treasury and government bonds

 

Korea Securities Depository

    5,444    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     4,908,149     Settlement risk and others
Premises and equipment   Land and building  

Credit Counselling & Recovery Service and others

    6,065    

Right to collateral and others

     

 

 

   
    Total     6,780,509    
     

 

 

   

 

(*)

The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements).

 

       

December 31, 2017

       

Collateral given to

  Amount    

Reason for collateral

Loan and receivables  

Due from banks on time in local currency

  Bank of China and others     6,629    

Collaterals for issuing letter of guarantee and others

 

Due from banks in local currencies

 

Samsung Securities Co., Ltd. and others

    10,809    

Margin deposit for futures or option

 

Due from banks in foreign currencies

 

Korea Investment & Securities Co., Ltd. and others

    9,136    

Foreign margin deposit for future or option and others

Financial assets at FVTPL  

Korean financial institutions’ debt securities and others

 

Yuanta Securities Co., Ltd. and others

    501,523    

Substitute securities and others

AFS financial assets  

Korean treasury and corporate bonds

 

Korea Securities Depository and others

    9,998    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     1,570,608     Settlement risk and others
HTM financial assets  

Korean treasury and government bonds

 

Korea Securities Depository

    5,436    

Related to bonds sold under repurchase agreements (*)

 

Korean financial institutions’ debt securities and others

  The BOK and others     7,605,292     Settlement risk and others
Premises and equipment   Land and building  

Credit Counselling & Recovery Service and others

    6,186     Leasehold rights and others
     

 

 

   
    Total     9,725,617    
     

 

 

   

 

(*)

The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements).

 

(2)

The carrying amounts of assets acquired through foreclosure are as follows. (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Land

     327        332  

Buildings

     —          44  
  

 

 

    

 

 

 

Total

     327        376  
  

 

 

    

 

 

 

 

(3)

Securities loaned are as follows (Unit: Korean Won in millions):

 

          June 30,
2018
     December 31,
2017
    

Loaned to

Financial assets at FVTOCI

  

Korean treasury, corporate bonds and others

     50,139        —       

Korea Securities Finance Corporation

AFS financial assets

  

Korean treasury, government bonds and others

     —          170,256     

Korea Securities Finance Corporation and others

     

 

 

    

 

 

    

Total

     50,139        170,256     
  

 

 

    

 

 

    

Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned.

 

(4)

Collaterals held that can be disposed and re-subjected to lien regardless of defaults of counterparties

Fair values of collaterals held that can be disposed and re-subjected to lien regardless of defaults of counterparties as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Fair values of collaterals      Fair values of collaterals were
disposed or re-subjected to  lien
 

Securities

     7,303,137        —    
     December 31, 2017  
     Fair values of collaterals      Fair values of collaterals were
disposed or re-subjected to  lien
 

Securities

     17,671,490        —    
XML 40 R24.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other Assets
6 Months Ended
Jun. 30, 2018
Miscellaneous assets [Abstract]  
Other Assets

 

19.

OTHER ASSETS

Details of other assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Prepaid expenses

     165,150        130,245  

Advance payments

     24,879        18,363  

Non-operative assets

     327        376  

Others

     12,444        9,420  
  

 

 

    

 

 

 

Total

     202,800        158,404  
  

 

 

    

 

 

 

 

XML 41 R25.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial Liabilitiy at Fair Value Through Profit or Loss
6 Months Ended
Jun. 30, 2018
Financial liabilities at fair value through profit or loss [Abstract]  
Disclosure of financial liabilities at fair value through profit or loss

 

20.

FINANCIAL LIABILITIES AT FVTPL

 

(1)

Financial liabilities at FVTPL are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

     2,402,235        —    

Financial liabilities held for trading

     —          3,176,113  

Financial liabilities at fair value through profit or loss designated as upon initial recognition

     176,097        —    

Financial liabilities designated as at FVTPL

     —          251,796  
  

 

 

    

 

 

 

Total

     2,578,332        3,427,909  
  

 

 

    

 

 

 

 

(2)

Financial liabilities at fair value through profit or loss mandatorily measured at fair value(Financial liabilities held for trading) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits

     

Gold banking liabilities

     24,485        25,964  

Derivative liabilities

     2,377,750        3,150,149  
  

 

 

    

 

 

 

Total

     2,402,235        3,176,113  
  

 

 

    

 

 

 

 

(3)

Financial liabilities at fair value through profit or loss designated as upon initial recognition(Financial liabilities designated as at FVTPL) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Equity linked securities index:

     

Equity linked securities index in short position

     176,097        160,057  

Debentures:

     

Debentures in local currency

     —          91,739  
  

 

 

    

 

 

 

Total

     176,097        251,796  
  

 

 

    

 

 

 

Financial liabilities at fair value through profit or loss designated are designated as such in order to eliminate or significantly reduce accounting mismatch arising from recognition or measurement.

 

(4)

Credit risk adjustments to financial liabilities at fair value through profit or loss designated as upon initial recognition(Financial liabilities designated as at FVTPL) are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Financial liabilities at fair value through profit or loss designated as upon initial recognition

     176,097        —    

Financial liabilities designated as at FVTPL

     —          616,177  

Changes in fair value for credit risk adjustments

     (179      (261

Accumulated changes in credit risk adjustments

     (39      89  

 

The adjustment to reflect Group’s credit risk is considered in measuring the fair value of derivatives. The Group’s credit risk is determined by adjusting credit spread observed in credit rating of bank.

 

(5)

The difference between financial liabilities at fair value through profit or loss designated as upon initial recognition’s(Financial liabilities designated as at FVTPL) carrying amount and nominal amount at maturity is as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Carrying amount

     176,097        251,796  

Nominal amount at maturity

     212,259        255,408  
  

 

 

    

 

 

 

Difference

     (36,162      (3,612
  

 

 

    

 

 

 

 

(6)

Changes in equity in relation to Financial liabilities at fair value through profit or loss designated as upon initial recognition

 

  1)

Realized cumulative gain or loss designated in other comprehensive income due to derecognition of financial liabilities designated at FVTPL is nil for the six months ended June 30, 2018.

 

  2)

Cumulative gains on financial liabilities designated at FVTPL replaced to retained earnings from other comprehensive income are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  

Equity-linked securities index:

     (8
XML 42 R26.htm IDEA: XBRL DOCUMENT v3.10.0.1
Deposits Due to Customers
6 Months Ended
Jun. 30, 2018
Deposits from customers [Abstract]  
Deposits Due To Customers

 

21.

DEPOSITS DUE TO CUSTOMERS

Details of deposits due to customers by type are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits in local currency:

     

Deposits on demand

     9,337,563        9,349,070  

Deposits at termination

     198,768,356        194,292,679  

Mutual installment

     32,292        34,055  

Deposits on notes payables

     1,705,871        1,323,679  

Deposits on CMA

     154,782        164,431  

Certificate of deposits

     4,592,575        4,436,443  

Other deposits

     1,401,853        1,451,841  
  

 

 

    

 

 

 

Subtotal

     215,993,292        211,052,198  
  

 

 

    

 

 

 

Deposits in foreign currency:

     

Deposits in foreign currencies

     21,950,041        23,682,896  
  

 

 

    

 

 

 

Present value discount

     (43,167      (40,010
  

 

 

    

 

 

 

Total

     237,900,166        234,695,084  
  

 

 

    

 

 

 
XML 43 R27.htm IDEA: XBRL DOCUMENT v3.10.0.1
Borrowings and Debentures
6 Months Ended
Jun. 30, 2018
Borrowings [Abstract]  
Borrowings And Debentures

 

22.

BORROWINGS AND DEBENTURES

 

(1)

Details of borrowings are as follows (Unit: Korean Won in millions):

 

    

June 30, 2018

 
    

Lenders

   Interest rate (%)      Amount  

Borrowings in local currency:

        

Borrowings from The BOK

   The BOK      0.5 ~ 0.8        1,420,990  

Borrowings from government funds

  

Small Enterprise And Market Service and others

     0.0 ~ 2.5        1,782,603  

Others

  

The Korea Development Bank and others

     0.0 ~ 4.0        4,665,845  
        

 

 

 

Subtotal

           7,869,438  
        

 

 

 

Borrowings in foreign currencies:

        

Borrowings in foreign currencies

  

The Export-Import Bank of Korea and others

     0.0 ~ 6.5        7,148,402  

Offshore borrowings in foreign currencies

   JPMORGAN CHASE BANK      2.8        33,651  
        

 

 

 

Subtotal

           7,182,053  
        

 

 

 

Bills sold

   Others      0.0 ~ 1.2        23,874  

Call money

   Bank and others      0.0 ~ 6.3        818,889  

Bonds sold under repurchase agreements

   Other financial institutions      0.7 ~ 12.7        5,372  

Present value discount

           (27
        

 

 

 

Total

           15,899,599  
        

 

 

 
    

December 31, 2017

 
    

Lenders

   Interest rate (%)      Amount  

Borrowings in local currency:

        

Borrowings from The BOK

   The BOK      0.5 ~ 0.8        1,404,087  

Borrowings from government funds

  

Small Enterprise And Market Service and others

     0.0 ~ 2.9        1,723,340  

Others

  

The Korea Development Bank and others

     0.0 ~ 3.2        3,957,421  
        

 

 

 

Subtotal

           7,084,848  
        

 

 

 

Borrowings in foreign currencies:

        

Borrowings in foreign currencies

  

The Export-Import Bank of Korea and others

     0.0 ~ 6.8        6,996,551  

Offshore borrowings in foreign currencies

   Commonwealth Bank      1.8        28,285  
        

 

 

 

Subtotal

           7,024,836  
        

 

 

 

Bills sold

   Others      0.0 ~ 1.2        36,953  

Call money

   Bank and others      1.5 ~ 2.7        635,061  

Bonds sold under repurchase agreements

   Other financial institutions      0.6 ~ 12.7        3,173  

Present value discount

           (165
        

 

 

 

Total

           14,784,706  
        

 

 

 

 

(2)

Details of debentures are as follows (Unit: Korean Won in millions):

 

     June 30, 2018     December 31, 2017  
     Interest rate
(%)
     Amount     Interest rate
(%)
     Amount  

Face value of bond(*):

          

Ordinary bonds

     1.5 ~ 4.5        21,105,565       1.5 ~ 5.8        22,468,908  

Subordinated bonds

     3.0 ~ 12.6        5,006,632       3.4 ~ 12.6        4,781,301  

Other bonds

     1.9 ~ 17.0        676,144       1.6 ~ 17.0        649,615  
     

 

 

      

 

 

 

Subtotal

        26,788,341          27,899,824  
     

 

 

      

 

 

 

Discounts on bonds

        (35,616        (30,173
     

 

 

      

 

 

 

Total

        26,752,725          27,869,651  
     

 

 

      

 

 

 

 

(*)

Included debentures under fair value hedge relationships are 3,150,145 million Won and 3,089,751 million Won as of June 30, 2018 and December 31, 2017, respectively. Also, debentures under cash flow hedge amounting to 724,487 million Won and 694,548 million Won are included as of June 30, 2018 and December 31, 2017.

XML 44 R28.htm IDEA: XBRL DOCUMENT v3.10.0.1
Provisions
6 Months Ended
Jun. 30, 2018
Provisions [Abstract]  
Provisions

 

23.

PROVISIONS

 

(1)

Details of provisions are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Asset retirement obligation

     67,458        61,872  

Provisions for guarantees (*1)

     106,827        183,247  

Provisions for unused commitments

     101,874        66,115  

Provisions for customer reward credits

     46,735        40,445  

Other provisions (*2)

     63,480        58,791  
  

 

 

    

 

 

 

Total

     386,374        410,470  
  

 

 

    

 

 

 

 

(*1)

Provisions for guarantees includes provision for financial guarantee of 54,896 million Won and 71,697 million Won as of June 30, 2018 and December 31, 2017, respectively.

(*2)

Other provisions consist of provision for litigation and others.

 

(2)

Changes in provisions for guarantees and loan commitments are as follows (Unit: Korean Won in millions):

 

  1)

Provisions for guarantees

 

     For the six months ended June 30, 2018  
     Stage1     Stage2     Stage3     Total  

Beginning balance (*)

     47,132       18,281       127,511       192,924  

Replaced by 12-month expected credit loss

     76       (76     —         —    

Replaced with expected credit loss for the entire period

     (954     58,894       (57,940     —    

Replaced with credit-impaired financial assets

     (21     (20     41       —    

Provisions used

     (8,506     —         —         (8,506

Net reversal of unused amount

     (4,873     (46,344     (35,773     (86,990

Others

     9,393       6       —         9,399  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     42,247       30,741       33,839       106,827  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

     For the six months ended
June 30, 2017
 

Beginning balance

     238,117  

Provisions provided

     1,003  

Provisions used

     (12,335

Reversal of provisions unused

     (45,971

Foreign currencies translation adjustments

     20  

Others

     7,920  
  

 

 

 

Ending balance

     188,754  
  

 

 

 

 

  2)

Provisions for unused commitment

 

     For the six months ended June 30, 2018  
     Stage1     Stage2     Stage3     Total  

Beginning balance (*)

     75,232       27,875       1,878       104,985  

Replaced by 12-month expected credit loss

     6,262       (6,145     (117     —    

Replaced with expected credit loss for the entire period

     (2,543     2,614       (71     —    

Replaced with credit-impaired financial assets

     (159     (325     484       —    

Net provision(reversal) of unused amount

     (6,183     3,356       (328     (3,155

Others

     44       —         —         44  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     72,653       27,375       1,846       101,874  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

     For the six months ended
June 30, 2017
 

Beginning balance

     87,909  

Provisions provided

     491  

Provisions used

     (42

Reversal of provisions unused

     (5,736

Foreign currencies translation adjustments

     (1
  

 

 

 

Ending balance

     82,621  
  

 

 

 

 

(3)

Changes in asset retirement obligation are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Beginning balance

     61,872        58,076  

Provisions provided

     1,083        654  

Provisions used

     (295      (416

Reversal of provisions unused

     (993      (727

Amortization

     259        203  

Increase in restoration costs and others

     5,532        4,163  
  

 

 

    

 

 

 

Ending balance

     67,458        61,953  
  

 

 

    

 

 

 

The amount of the asset retirement obligation is the present value of the best estimate of future expected recovery cost arising from leased premises as of June 30, 2018, discounted by appropriate discount rate. The expenditure of the recovery cost is expected to occur by the end of each premise’s lease period, and the Group has used average lease period of each category of leases terminated during the past years in order to rationally estimate the

 

lease period. In addition, the Group used average amount of actual recovery cost for the past 3 years and the average inflation rate for last year in order to estimate future recovery cost.

 

(4)

Changes in other provisions are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Provisions for
customer reward
credits
    Other
provisions
    Total  

Beginning balance

     40,445       58,791       99,236  

Provisions provided

     36,044       2,236       38,280  

Provisions used

     (48,891     (2,199     (51,090

Reversal of unused amount

     —         (40     (40

Foreign currencies translation adjustments

     —         (7     (7

Transfer (*)

     5,467       —         5,467  

Others

     13,670       4,699       18,369  
  

 

 

   

 

 

   

 

 

 

Ending balance

     46,735       63,480       110,215  
  

 

 

   

 

 

   

 

 

 

 

(*)

As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2018.

 

     For the six months ended June 30, 2017  
     Provisions for
customer reward
credits
    Other
provisions
    Total  

Beginning balance

     22,093       22,282       44,375  

Provisions provided

     32,208       2,390       34,598  

Provisions used

     (39,402     (9,013     (48,415

Reversal of unused amount

     —         (40     (40

Foreign currencies translation adjustments

     —         (146     (146

Transfer (*)

     11,482       —         11,482  

Amortization

     —         53       53  

Others

     5,667       128       5,795  
  

 

 

   

 

 

   

 

 

 

Ending balance

     32,048       15,654       47,702  
  

 

 

   

 

 

   

 

 

 

 

(*)

As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2017.

XML 45 R29.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net Defined Benefits Liability (Asset)
6 Months Ended
Jun. 30, 2018
Disclosure of defined benefit plans [Abstract]  
Net defined benefit liability

 

24. NET DEFINED BENEFIT LIABILITY

The characteristics of the Group’s defined benefit retirement pension plans characteristics are as follows:

Employees and directors with one or more years of service are entitled to receive a payment upon termination of their employment, based on their length of service and rate of pay at the time of termination. The assets of the plans are measured at their fair value at the end of reporting date. The plan liabilities are measured using the projected unit method, which takes account of projected earnings increases, using actuarial assumptions that give the best estimate of the future cash flows that will arise under the plan liabilities.

 

The Group is exposed to various risks through defined benefit retirement pension plan, and the most significant risks are as follows:

 

Volatility of asset

  

The defined benefit obligation was estimated with an interest rate calculated based on blue chip corporate bonds earnings. A deficit may occur if the rate of return of plan assets falls short of the interest rate.

Decrease in profitability of blue chip bonds

  

A decrease in profitability of blue chip bonds will be offset by some increase in the value of debt securities that the employee benefit plan owns but will bring an increase in the defined benefit obligation.

Risk of inflation

  

Defined benefit obligations are related to inflation rate; the higher the inflation rate is, the higher the level of liabilities. Therefore, deficit occurs in the system if an inflation rate increases.

 

(1)

Details of net defined benefit liability are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Defined benefit obligation

     1,175,786        1,071,170  

Fair value of plan assets

     (1,075,927      (1,027,906
  

 

 

    

 

 

 

Net defined benefit liability

     99,859        43,264  
  

 

 

    

 

 

 

 

(2)

Changes in the carrying value of defined benefit obligation are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Beginning balance

     1,071,170        984,381  

Current service cost

     72,460        73,564  

Interest cost

     15,797        13,144  

Remeasurements

     72,374        4,639  

Foreign currencies translation adjustments

     8        (121

Retirement benefit paid

     (57,109      (31,022

Curtailment or settlement

     —          (10,076

Others

     1,086        127  
  

 

 

    

 

 

 

Ending balance

     1,175,786        1,034,636  
  

 

 

    

 

 

 

 

(3)

Changes in the plan assets are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Beginning balance

     1,027,906        990,653  

Interest income

     16,626        15,127  

Remeasurements

     (9,088      (7,847

Employer’s contributions

     96,273        18,000  

Retirement benefit paid

     (55,790      (29,431

Curtailment or settlement

     —          (10,396

Others

     —          43,113  
  

 

 

    

 

 

 

Ending balance

     1,075,927        1,019,219  
  

 

 

    

 

 

 

 

(4)

Plan assets wholly consist of time deposits as of June 30, 2018 and December 31, 2017, respectively. Among plan assets, realized returns on plan assets amount to 7,538 million Won and 7,280 million Won for the six months ended June 30, 2018 and 2017, respectively.

Meanwhile, the contribution expected to be paid in the current accounting year amounts to 125,818 million Won.

 

(5)

Current service cost, net interest income, loss (gain) on the curtailment or settlement and remeasurements recognized in the consolidated statements of net income and total comprehensive income are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
    For the six months
ended June 30, 2017
 

Current service cost

     72,460       73,564  

Net interest income

     (829     (1,983

Loss (gain) on the curtailment or settlement

     —         321  
  

 

 

   

 

 

 

Cost recognized in net income

     71,631       71,902  
  

 

 

   

 

 

 

Remeasurements(*)

     81,462       12,486  
  

 

 

   

 

 

 

Cost recognized in total comprehensive income

     153,093       84,388  
  

 

 

   

 

 

 

 

(*)

This is an amount before considering the tax effects.

Retirement benefit service costs related to defined contribution plans amount to 1,304 million Won and 2,155 million Won for the six months ended June 30, 2018 and 2017, respectively.

 

(6)

Key actuarial assumptions used in defined benefit liability measurement are as follows:

 

     June 30, 2018   December 31, 2017

Discount rate

   3.25%   3.18%

Future wage growth rate

   6.18%   6.18%

Mortality rate

   Issued by Korea Insurance
Development Institute
  Issued by Korea Insurance
Development Institute

Retirement rate

   Experience rate for each
employment classification
  Experience rate for each
employment classification

The weighted average maturity of defined benefit liability is 12.94 years.

 

(7)

The sensitivity to actuarial assumptions used in the assessment of defined benefit obligation is as follows (Unit: Korean Won in millions):

 

          June 30, 2018      December 31, 2017  

Discount rate

   Increase by 1% point      (124,157      (116,405
   Decrease by 1% point      146,273        137,151  

Future wage growth rate

   Increase by 1% point      145,794        136,707  
   Decrease by 1% point      (125,567      (117,765
XML 46 R30.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other Financial Liabilities and Other Liabilities
6 Months Ended
Jun. 30, 2018
Miscellaneous Liabilities [Abstract]  
Disclosure of other financial liabilities and other liabilities

 

25.

OTHER FINANCIAL LIABILITIES AND OTHER LIABILITIES

Other financial liabilities and other liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Other financial liabilities:

     

Accounts payable

     9,021,786        4,692,320  

Accrued expenses

     1,809,499        2,049,861  

Borrowings from trust accounts

     3,999,899        3,271,817  

Agency business revenue

     258,497        344,591  

Foreign exchange payables

     604,344        590,667  

Domestic exchange payables

     4,229,125        1,309,646  

Other miscellaneous financial liabilities

     1,487,513        1,635,156  

Present value discount

     (2,396      (1,597
  

 

 

    

 

 

 

Subtotal

     21,408,267        13,892,461  
  

 

 

    

 

 

 
     June 30, 2018      December 31, 2017  

Other liabilities:

     

Unearned income

     178,799        180,664  

Other miscellaneous liabilities

     124,114        103,317  
  

 

 

    

 

 

 

Subtotal

     302,913        283,981  
  

 

 

    

 

 

 

Total

     21,711,180        14,176,442  
  

 

 

    

 

 

XML 47 R31.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives
6 Months Ended
Jun. 30, 2018
Disclosure of detailed information about hedges [Abstract]  
Derivatives

 

26. DERIVATIVES

(1) Derivative assets and derivative liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Interest rate:

                 

Futures

     272,778        —          —          —          —          —    

Swaps

     143,307,983        12,395        218,551        —          34,540        232,719  

Purchase options

     660,000        —          10,897        —          —          —    

Written options

     785,000        —          —          —          —          11,731  

Currency:

                 

Futures

     371,529        —          —          —          —          —    

Forwards

     80,082,126        —          1,200,200        —          —          1,164,623  

Swaps

     56,427,354        —          806,790        32,965        —          750,377  

Purchase options

     2,635,551        —          36,079        —          —          —    

Written options

     4,651,496        —          —          —          —          49,352  

Equity:

                 

Futures

     124,009        —          —          —          —          —    

Swaps

     435,790        —          3,021        —          —          4,542  

Purchase options

     4,272,150        —          115,210        —          —          —    

Written options

     5,661,146        —          —          —          —          163,966  

Others:

                 

Futures

     965        —          —          —          —          —    

Forward

     5,618        —          —          —          —          —    

Swaps

     8,081        —          463        —          —          440  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     299,701,576        12,395        2,391,211        32,965        34,540        2,377,750  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Interest rate:

                 

Futures

     75,845        —          —          —          —          —    

Swaps

     130,197,378        59,272        223,935        —          12,103        253,972  

Purchase options

     630,000        —          12,346        —          —          —    

Written options

     795,000        —          —          —          —          12,869  

 

     December 31, 2017  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Currency:

                 

Futures

     318,217        —          —          —          —          —    

Forwards

     72,526,956        —          1,314,368        —          —          1,375,799  

Swaps

     48,176,306        —          1,352,924        55,651        —          1,347,905  

Purchase options

     2,291,154        —          64,267        —          —          —    

Written options

     4,038,237        —          —          —          —          58,687  

Equity:

                 

Futures

     91,436        —          —          —          —          —    

Swaps

     15,000        —          103        —          —          10  

Purchase options

     5,060,706        —          146,775        —          —          —    

Written options

     4,504,290        —          —          —          —          99,770  

Others:

                 

Futures

     —          —          —          —          —          —    

Swaps

     7,805        —          1,057        —          —          1,037  

Purchase options

     —          —          —          —          —          —    

Written options

     5,000        —          —          —          —          100  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     268,733,330        59,272        3,115,775        55,651        12,103        3,150,149  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Derivatives held for trading are classified into financial assets at FVTPL (Note 7) and financial liabilities at FVTPL (Note 20), and derivatives held for hedging are presented as a separate line item in the consolidated statements of financial position.

 

(2)

Overview of the Group’s hedge accounting

 

  1)

Fair value hedge

As of the current period end, the Group has applied fair value hedge on fixed interest rate foreign currency denominated debentures amounting to 3,150,145 million Won. The purpose of the hedging is to avoid fair value volatility risk of fixed interest rate foreign currency denominated debentures derived from fluctuations of market interest rate, and as such the Group entered into interest rate swap agreements designated as hedging instruments.

The Group entered into interest rate swap agreements to manage its exposure to interest rate risk and designated as hedging instruments. Pursuant to the interest rate swap agreement, hedge ratio is determined by matching the nominal value to the face value of the hedging instrument.

In this hedging relationship, only the market interest rate fluctuation, which is the most significant part of the fair value change of the hedged item, is designated as the hedged risk, and other risk factors including credit risk are not included in the hedged risk. Therefore, the ineffective portion of the hedge could arise from fluctuations in the timing of the cash flow of the hedged item, the change in the total amount and price of the hedged item, or significant credit risk fluctuation of either party of the hedged item.

The interest rate swap agreements and the hedged items are subject to fluctuations in the underlying market rate of interest and the Group expects the value of the interest rate swap contract and the value of the hedged item to generally change in the opposite direction.

The fair value of the interest rate swap at the end of the reporting period is determined by discounting future cash flows estimated using the yield curve at the end of the reporting period and the credit risk embedded in

 

the contract and the average interest rate is determined based on the outstanding balance at the end of the reporting period. The variable interest rate applied to the interest rate swap is USD Libor 3M (6M) plus spread. In accordance with the terms of each interest rate swap contract designated as a hedging instrument, the Group receives interest at a fixed interest rate and pays interest at a variable interest rate.

 

  2)

Cash Flow Hedge

As of the current period end, the Group has applied Cash Flow hedge on foreign currency denominated bonds amounting to 724,487 million Won. The Group’s objectives of hedging are to (1) Mitigate risks of cash flow fluctuation from principal and interest of variable interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rate and market interest rate; and (2) Mitigate the risks of cash flow fluctuation from principal and interest of fixed-interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rates. The Group has designated foreign currency swap contracts as hedging instruments in order to achieve such objectives.

 

(3)

The nominal amounts of the hedging instrument as of June 30, 2018 are as follows (Unit: USD, SGD):

 

     1 year or less      1 year to 5 years      More than 5 years      Total  

Fair value hedging derivatives

           

Interest rate risk

 

Interest rate swap (USD)

     500,000,000        1,350,000,000        1,000,000,000        2,850,000,000  

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

           

Currency swap (USD)

     50,000,000        450,000,000        —          500,000,000  

Foreign currencies translation risk

 

Currency swap (SGD)

     —          204,000,000        —          204,000,000  

 

(4)

The average interest rate and average currency rate of the hedging instrument as of June 30, 2018 are as follows:

 

    

Average interest rate and average currency rate

Fair value hedging derivatives

  

Interest rate risk

  

Interest rate swaps (USD)

   Fixed 3.98% receipt and 3.96% floating paid

Cash flow hedge

  

Foreign currencies translation risk and interest rate risk

  

Currency swap (USD)

   USD 2.65% receipt, KRW 1.71% paid, USD/KRW = 1,173 Won

Foreign currencies translation risk

  

Currency swap (SGD)

   SGD 1.91% receipt, KRW 1.98% paid, SGD/KRW = 828 Won

 

(5)

The amounts related to items designated as hedging instruments as of June 30, 2018 are as follows (Unit: Korean Won in millions, USD, SGD):

 

            Carrying amounts of
the hedging instrument
     Line item in the
statement of
financial
position where
the hedging
instrument is
located
        
     Nominal amounts of
the hedging
instrument
     Assets      Liabilities      Changing in fair
value used for
calculating
hedge
ineffectiveness
 

Fair value hedge

 

Interest rate risk

 

Interest rate swaps

     USD2,850,000,000        12,395        34,540       


Derivative
assets,
Derivative
liabilities
 
 
 
 
     (62,246

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

              

Currency swap

     USD500,000,000        —          27,594       
Derivative
liabilities
 
 
     22,013  

Foreign currencies translation risk

 

Currency swap

     SGD204,000,000        —          5,372       
Derivative
liabilities
 
 
     672  

 

(6)

Details of carrying amount to hedged and amount adjusted due to hedge accounting as of June 30, 2018 are as follows (Unit: Korean won in millions):

 

     Carrying amounts of
the hedging item
     Accumulated amount of
fair value hedge
adjustments on the hedged
item included in the
carrying amount of the
hedged item
     Line item in the
statement of
financial
position in
which the
hedged item is
included
     Changing in
fair value
used for
calculating
hedge
ineffectiveness
    Cash flow
hedge
reserve (*)
 
     Assets      Liabilities      Assets      Liabilities  

Fair value hedging

 

Interest rate risk

 

Debenture

     —          3,150,145        —          60,732        Debentures        66,455       —    

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

                   

Debenture

     —          558,258        —          —          Debentures        (21,725     (1,665

Foreign currencies translation risk

                   

Debenture

     —          166,229        —          —          Debentures        (505     (3,770

 

(*)

Amount after tax deduction

 

(7)

Amounts recognized in profit or loss due to the ineffective portion of fair value hedges during the current period are as follows (Unit: Korean Won in millions):

 

          Hedge ineffectiveness
recognized in profit or
loss
     Line item in the profit that
includes hedge
ineffectiveness

Fair value hedge

   Interest rate risk      4,209      Other net operating
income

 

(8)

Reclassification of profit or loss from other comprehensive income and equity related to cash flow hedges is as follows (Unit: Korean Won in millions):

 

          Changes in
the value of
hedging
instruments
recognized in
cash flow
hedge reserve
     Hedge
ineffectiveness
recognized
in profit
or loss
    Line item in the
profit or loss that
includes hedge
ineffectiveness
   Amounts
reclassified
from cash
flow hedge
reserve to
profit or
loss
     Line item
affected in profit
or loss because of
the
reclassification

Cash flow hedge

  

Foreign currencies translation risk and interest rate risk

     22,043        (30   Other net
operating
expense
     25,049      Other net
operating income
  

Foreign currencies translation risk

     672        —       Other net
operating
income
     3,894      Other net
operating income
XML 48 R32.htm IDEA: XBRL DOCUMENT v3.10.0.1
Deferred Day 1 Profit or Loss
6 Months Ended
Jun. 30, 2018
Disclosure Of Day One Profit Or Loss [Abstract]  
Disclosure of day one profit or loss

 

27.

DEFERRED DAY 1 PROFITS OR LOSSES

Changes in deferred day 1 profits or losses are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Beginning balance

     7,416        13,422  

New transactions

     20,820        500  

Amounts recognized in losses

     (3,000      (3,613
  

 

 

    

 

 

 

Ending balance

     25,236        10,309  
  

 

 

    

 

 

 

In case some variables to measure fair values of financial instruments are not observable or available in the market, valuation techniques are utilized to evaluate such financial instruments. Those financial instruments are recorded at the fair value produced by the valuation techniques as at the time of acquisition, even though there are difference noted between the transaction price and the fair value. The table above presents the difference yet to be realized as profit or losses.

XML 49 R33.htm IDEA: XBRL DOCUMENT v3.10.0.1
Capital Stock and Capital Surplus
6 Months Ended
Jun. 30, 2018
Disclosure Of Issued Capital And Miscellaneous Equity [Abstract]  
Disclosure of issued capital and miscellaneous equity

 

28.

CAPITAL STOCK AND CAPITAL SURPLUS

 

(1)

The number of shares authorized and others are as follows:

 

     June 30, 2018      December 31, 2017  

Shares of common stock authorized

     5,000,000,000 Shares        5,000,000,000 Shares  

Par value

     5,000 Won        5,000 Won  

Shares of common stock issued

     676,000,000 Shares        676,000,000 Shares  

Capital stock

     3,381,392 million Won        3,381,392 million Won  

 

(2)

There is no change to be disclosed in numbers of issued and outstanding shares of common stock for the six months ended June, 2018 and 2017.

 

(3)

Details of capital surplus are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Capital in excess of par value

     269,533        269,533  

Other capital surplus

     16,352        16,347  
  

 

 

    

 

 

 

Total

     285,885        285,880  
  

 

 

    

 

 

 

 

XML 50 R34.htm IDEA: XBRL DOCUMENT v3.10.0.1
Hybrid Securities
6 Months Ended
Jun. 30, 2018
Hybrid Instruments [Abstract]  
Disclosure Of Hybrid Securities

 

29.

HYBRID SECURITIES

The bond-type hybrid securities classified as owner’s equity are as follows (Unit: Korean Won in millions):

 

     Issue date      Maturity      Interest rate
(%)
     June 30,
2018
    December 31,
2017
 

Securities in local currency

     June 20, 2008        June 20, 2038        7.7        —         255,000  
     April 25, 2013        April 25, 2043        4.4        500,000       500,000  
     November 13, 2013        November 13, 2043        5.7        200,000       200,000  
     December 12, 2014        December 12, 2044        5.2        160,000       160,000  
     June 3, 2015        June 3, 2045        4.4        240,000       240,000  

Securities in foreign currencies

     June 10, 2015        June 10, 2045        5.0        559,650       559,650  
     September 27, 2016        —          4.5        553,450       553,450  
     May 16, 2017        —          5.3        562,700       562,700  

Issuance cost

              (12,544     (12,912
           

 

 

   

 

 

 

Total

              2,763,256       3,017,888  
           

 

 

   

 

 

 

The hybrid securities mentioned above are either without a maturity date or its maturity can be extended indefinitely at the maturity date without change of terms. Further, if a resolution is passed not to pay dividends on common stock, interest payments on the hybrid securities may be not occur.

XML 51 R35.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other Equity
6 Months Ended
Jun. 30, 2018
Disclosure Of Other Equity [Abstract]  
Disclosure of other equity

 

30.

OTHER EQUITY

 

(1)

Details of other equity are as follows (Unit: Korean Won in millions):

 

     June 30, 2018     December 31, 2017  

Accumulated other comprehensive loss:

    

Net gain or loss on valuation of financial assets at FVTOCI

     (46,746     —    

Gain on valuation of AFS financial assets

     —         301,930  

Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk

     29       —    

Share of other comprehensive loss of joint ventures and associates

     (1,446     (1,251

Loss on foreign currency translation of foreign operations

     (206,037     (242,700

Remeasurement loss related to defined benefit plan

     (211,838     (152,624

Gain (loss) on valuation of cash flow hedges

     (5,436     777  

Equity related to assets held for sale

     (564     4,145  
  

 

 

   

 

 

 

Subtotal

     (472,038     (89,723
  

 

 

   

 

 

 

Treasury shares

     (34,113     (34,113

Other capital adjustments

     (1,607,647     (1,815,438
  

 

 

   

 

 

 

Total

     (2,113,798     (1,939,274
  

 

 

   

 

 

 

 

(2)

Changes in the accumulated other comprehensive loss are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Beginning
balance (*1)
     Increase
(decrease) (*2)
     Reclassification
adjustments
     Income tax
effect
     Ending
balance
 

Net gain or loss on valuation of financial assets at FVTOCI

     (88,906      58,846        (694      (15,992      (46,746

Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk

     (96      172        —          (47      29  

Share of other comprehensive gain (loss) of joint ventures and associates

     (2,656      1,669        —          (459      (1,446

Gain (loss) on foreign currency translation of foreign operations

     (242,806      50,717        —          (13,948      (206,037

Remeasurement gain (loss) related to defined benefit plan

     (152,358      (82,041      —          22,561        (211,838

Gain (loss) on valuation of cash flow hedges

     777        (8,570      —          2,357        (5,436

Transfer to non-current assets held for sale

     4,145        (564      (4,145      —          (564
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     (481,900      20,229        (4,839      (5,528      (472,038
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Net gain or loss on valuation of financial assets at FVTOCI included the 1,500 million Won transfer to retained earnings due to disposal of equity securities.

 

     For the six months ended June 30, 2017  
     Beginning
balance
     Increase
(decrease)(*)
     Reclassification
adjustments(*)
     Income tax
effect
     Ending
balance
 

Gain (loss) on valuation of AFS financial assets

     386,981        46,479        (81,114      5,602        357,948  

Share of other comprehensive income (loss) of joint ventures and associates

     (1,863      2,038        —          (531      (356

Gain (loss) on foreign currency translation of foreign operations

     (48,353      (81,571      —          17,627        (112,297

Remeasurement gain (loss) related to defined benefit plan

     (163,397      (12,642      —          3,020        (173,019

Gain (loss) on valuation of cash flow hedges

     —          (1,947      —          421        (1,526
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     173,368        (47,643      (81,114      26,139        70,750  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

For the change in gain (loss) on valuation of AFS financial assets, “increase (decrease)” represents change due to the valuation during the period, and “reclassification adjustments” represents disposal or recognition of impairment losses on AFS financial assets.

 

XML 52 R36.htm IDEA: XBRL DOCUMENT v3.10.0.1
Retained Earnings
6 Months Ended
Jun. 30, 2018
Retained Earnings Note Disclosure [Abstract]  
Disclosure of retained earnings accumulated deficit

 

31.

RETAINED EARNINGS

 

(1)

Details of retained earnings are as follows (Unit: Korean Won in millions):

 

          June 30, 2018     December 31, 2017  

Legal reserve

   Earned surplus reserve      1,857,754       1,729,754  
   Other legal reserve      46,384       45,668  
     

 

 

   

 

 

 
  

Subtotal

     1,904,138       1,775,422  
     

 

 

   

 

 

 

Voluntary reserve

   Business rationalization reserve      8,000       8,000  
  

Reserve for financial structure improvement

     235,400       235,400  
   Additional reserve      7,759,804       7,418,806  
   Regulatory reserve for credit loss      2,578,457       2,438,191  
   Revaluation reserve      715,860       751,964  
   Other voluntary reserve      —         11,700  
     

 

 

   

 

 

 
  

Subtotal

     11,297,521       10,864,061  
     

 

 

   

 

 

 

Conversion of loss on disposal of equity securities at FVTOCI to retained earnings

     (424     —    

Derecognition of the credit risk on financial liabilities designated at FVTPL

     5       —    

Retained earnings before appropriation

     3,272,213       2,980,523  
  

 

 

   

 

 

 

Total

     16,473,453       15,620,006  
  

 

 

   

 

 

 

 

  i.

Earned surplus reserve

In accordance with the Banking Act, earned surplus reserve is appropriated at least one tenth of the earnings after tax on every dividend declaration, not exceeding the paid in capital. This reserve may not be used other than for offsetting a deficit or transferring to capital.

 

  ii.

Other legal reserve

Other legal reserves were appropriated in the branches located in Japan, Vietnam and Bangladesh according to the banking laws of Japan, Vietnam and Bangladesh, and may be used to offset any deficit incurred in those branches.

 

  iii.

Business rationalization reserve

Pursuant to the Restriction of Special Taxation Act, the Group was previously required to appropriate, as a reserve for business rationalization, amounts equal to tax reductions arising from tax exemptions and tax credits up to December 31, 2001. The requirement was no longer effective from 2002.

 

  iv.

Reserve for financial structure improvement

From 2002 to 2014, the Finance Supervisory Services recommended banks in Korea to appropriate at least 10 percent of net income after accumulated deficit for financial structure improvement, until tangible common equity ratio equals 5.5 percent. But this reserve is not available for payment of cash dividends; however, it can be used to reduce a deficit or be transferred to capital. The reserve and appropriation are an Autonomous judgment matter of the Group since 2015.

 

  v.

Additional reserve

Additional reserve was appropriated for capital adequacy and other management purpose.

 

  vi.

Regulatory reserve for credit loss

In accordance with Article 29 of the Regulation on Supervision of Banking Business (“RSBB”), if provisions for credit loss under IFRS for the accounting purpose are lower than provisions under RSBB, the Group discloses such short fall amount as regulatory reserve for credit loss.

 

  vii.

Revaluation reserve

Revaluation reserve is the amount of limited dividends set by the board of directors to be the recognized as complementary capital when the gain or loss occurred in the property revaluation by adopting IFRS.

 

(2)

Changes in retained earnings are as follows (Unit: Korean Won in millions):

 

    

For the six months ended June 30

 
     2018 (*)     2017  

Beginning balance

     15,797,097       14,611,566  

Net attributable to owners

     1,305,878       1,098,361  

Dividends on common stock

     (336,636     (269,308

Dividends on hybrid securities

     (75,603     (90,823

Loss on disposal of equity securities at FVTOCI

     (424     —    

Derecognition of the credit risk on financial liabilities designated at FVTPL

     5       —    

Capital adjustments due to appropriation of retained earnings

     (216,864     —    
  

 

 

   

 

 

 

Ending balance

     16,473,453       15,349,796  
  

 

 

   

 

 

 

 

(*)

The beginning balance as of 2018 was restated in accordance with IFRS 9.

XML 53 R37.htm IDEA: XBRL DOCUMENT v3.10.0.1
Dividends
6 Months Ended
Jun. 30, 2018
Dividends [Abstract]  
Dividends

 

32.

DIVIDENDS

At the shareholders’ meeting on March 23, 2018, dividend payment for the year ended December 31, 2017 amounting to 336,636 million Won (500 Won per share) was approved and paid for the six months ended June 30, 2018.

XML 54 R38.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net Interest Income
6 Months Ended
Jun. 30, 2018
Interest Revenue (Expense), Net [Abstract]  
Disclosure of interest income (expense)

 

33.

NET INTEREST INCOME

 

(1)

Interest income recognized is as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Financial assets at FVTPL (IFRS 9)

     13,367        28,537        —          —    

Financial assets at FVTPL (IAS 39)

     —          —          13,074        26,806  

Financial assets at FVTOCI

     62,170        119,446        —          —    

AFS financial assets

     —          —          67,667        144,067  

Securities at amortized cost

     87,587        168,789        —          —    

HTM financial assets

     —          —          74,690        149,673  

Financial assets at amortized cost:

           

Interest on due from banks

     28,323        61,461        —          —    

Interest on loans

     2,170,291        4,251,497        —          —    

Interest of other receivables

     6,931        13,686        —          —    
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     2,205,545        4,326,644        —          —    
  

 

 

    

 

 

    

 

 

    

 

 

 

Loans and receivables:

           

Interest on due from banks

     —          —          20,182        41,403  

Interest on loans

     —          —          1,921,359        3,810,008  

Interest of other receivables

     —          —          8,836        17,627  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          —          1,950,377        3,869,038  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,368,669        4,643,416        2,105,808        4,189,584  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(2)

Interest expense recognized is as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Interest on deposits due to customers

     704,007        1,358,964        586,051        1,174,384  

Interest on borrowings

     70,519        129,929        57,666        115,548  

Interest on debentures

     174,890        346,948        154,445        305,804  

Other interest expense

     21,930        43,101        20,070        43,528  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     971,346        1,878,942        818,232        1,639,264  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 55 R39.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net Fees and Commissions Income
6 Months Ended
Jun. 30, 2018
Fee and commission income (expense) [Abstract]  
Net Fees And Commissions Income

 

34.

NET FEES AND COMMISSIONS INCOME

 

(1)

Details of fees and commissions income recognized are as follows (Unit: Korean Won in millions):

 

    2018     2017  
    Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Fees and commissions received (*)

    169,171       346,925       163,688       336,322  

Fees and commissions received for provision of guarantee

    14,660       30,263       15,911       31,700  

Fees and commissions received on project financing

    10,528       16,945       4,614       6,334  

Fees and commissions received on credit card

    283,407       556,984       268,887       527,566  

Fees and commissions received on securities

    23,767       50,238       19,757       40,267  

Other fees and commissions received

    53,867       111,651       33,424       71,704  
 

 

 

   

 

 

   

 

 

   

 

 

 

Total

    555,400       1,113,006       506,281       1,013,893  
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others.

 

(2)

Details of fees and commissions expense incurred are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Fees and commissions paid

     41,532        80,866        41,930        73,167  

Credit card commission

     213,887        425,204        200,275        400,349  

Brokerage commission

     934        1,268        121        348  

Others

     1,700        3,013        1,207        2,329  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     258,053        510,351        243,533        476,193  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 56 R40.htm IDEA: XBRL DOCUMENT v3.10.0.1
Dividend Income
6 Months Ended
Jun. 30, 2018
Disclosure Of Revenue From Dividends [Abstract]  
Disclosure of revenue from dividends

 

35.

DIVIDEND INCOME

 

(1)

Details of dividend income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Financial assets at FVTPL (IFRS 9)

     12,210        31,860        —          —    

Financial assets at FVTPL (IAS 39)

     —          —          47        190  

Financial assets at FVTOCI

     1,941        17,844        —          —    

AFS financial assets

     —          —          19,570        59,255  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     14,151        49,704        19,617        59,445  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(2)

Details of dividends related to financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

 

     Six month ended
June 30, 2018
 

Dividend income recognized from assets held

  

Equity securities

     17,570  

Dividend income recognized in assets derecognized

     274  
  

 

 

 

Total

     17,844  
  

 

 

 

 

XML 57 R41.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net gain or loss on financial instruments at fair value through profit or loss mandatorily measured at fair value (IFRS 9 and IAS 39)
6 Months Ended
Jun. 30, 2018
Disclosure of gains (losses) on financial instruments at fair value through profit or loss [Abstract]  
Net gain or loss on financial instruments at fair value through profit or loss mandatorily measured at fair value (IFRS 9 and IAS 39)

 

36.

NET GAIN OR LOSS ON FINANCIAL INSTRUMENTS AT FAIR VALUE THROUGH PROFIT OR LOSS MANDATORILY MEASURED AT FAIR VALUE (IFRS 9 AND IAS 39)

 

(1)

Details of gains or losses related to net gain or loss on financial instruments at FVTPL (IFRS 9 and IAS 39) are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
    Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on financial assets at fair value through profit or loss mandatorily measured at fair value

     70,116       114,146        —         —    

Gains (losses) on financial instruments held for trading

     —         —          36,266       (60,186

Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition

     (2,423     2,877        —         —    

Losses on financial instruments at fair value through profit or loss designated as upon initial recognition

     —         —          (24,200     (86,223
  

 

 

   

 

 

    

 

 

   

 

 

 

Total

     67,693       117,023        12,066       (146,409
  

 

 

   

 

 

    

 

 

   

 

 

 

 

(2)

Details of net gain or loss on financial instrument at fair value through profit or loss mandatorily measured at fair value and financial assets held for trading are as follows (Unit: Korean Won in millions):

 

            2018     2017  
            Three months
ended
June 30
    Six months
ended
June 30
    Three months
ended
June 30
    Six months
ended
June 30
 

Financial assets at FVTPL (financial assets held for trading)

  Securities   Gain on valuation     36,982       81,861       1,055       5,895  
    Gain on disposals     18,885       22,377       3,936       9,860  
    Loss on valuation     (11,957     (23,795     (2,785     (6,511
    Loss on disposals     (7,481     (9,180     (1,308     (2,057
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    36,429       71,263       898       7,187  
     

 

 

   

 

 

   

 

 

   

 

 

 
  Loans   Gain on valuation     373       3,191       —         —    
    Loss on valuation     (107     (127     —         —    
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    266       3,064       —         —    
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Other financial assets

  Gain on valuation     228       1,969       1,495       3,071  
  Gain on disposals     143       405       814       933  
    Loss on valuation     (320     (2,193     (1,971     (3,590
    Loss on disposals     (11     (83     (211     (234
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    40       98       127       180  
     

 

 

   

 

 

   

 

 

   

 

 

 
  Total of financial assets held for trading     36,735       74,425       1,025       7,367  
     

 

 

   

 

 

   

 

 

   

 

 

 
            2018     2017  
            Three months
ended
June 30
    Six months
ended
June 30
    Three months
ended
June 30
    Six months
ended
June 30
 
Derivatives (for trading)  

Interest rates derivatives

 

Gain on transactions and valuation

    231,372       600,362       201,637       433,349  
   

Loss on transactions and valuation

    (247,381     (594,525     (198,170     (421,734
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    (16,009     5,837       3,467       11,615  
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Currency derivatives

 

Gain on transactions and valuation

    2,546,154       3,535,106       (94,206     3,773,565  
   

Loss on transactions and valuation

    (2,502,934     (3,505,890     105,055       (3,943,609
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    43,220       29,216       10,849       (170,044
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Equity derivatives

 

Gain on transactions and valuation

    115,712       249,364       92,302       302,927  
   

Loss on transactions and valuation

    (109,288     (244,063     (71,116     (211,551
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    6,424       5,301       21,186       91,376  
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Other derivatives

 

Gain on transactions and valuation

    2,142       2,790       2,295       12,312  
   

Loss on transactions and valuation

    (2,396     (3,423     (2,556     (12,812
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    (254     (633     (261     (500
     

 

 

   

 

 

   

 

 

   

 

 

 
  Total of derivatives (for trading)     33,381       39,721       35,241       (67,553
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    70,116       114,146       36,266       (60,186
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(3)

Details of net gain or loss on financial instrument at fair value through profit or loss designated as upon initial recognition are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Gain (loss) on equity-linked securities:

           

Loss on disposals of equity-linked securities

     (1,203      (1,534      (3,686      (15,877

Gain (loss) on valuation of equity-linked securities

     (2,164      2,814        (20,667      (69,714
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     (3,367      1,280        (24,353      (85,591
  

 

 

    

 

 

    

 

 

    

 

 

 

Loss on other securities:

           

Loss on valuation of other securities

     —          —          (114      (16
  

 

 

    

 

 

    

 

 

    

 

 

 

Gain (loss) on other financial instruments:

           

Gain (loss) on valuation of other financial instruments

     944        1,597        267        (616
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     (2,423      2,877        (24,200      (86,223
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 58 R42.htm IDEA: XBRL DOCUMENT v3.10.0.1
Gains (losses) on financial assets at fair value through other comprehensive income and available-for-sale financial assets
6 Months Ended
Jun. 30, 2018
Gains (losses) on financial assets at fair value through other comprehensive income and available-for-sale financial assets [Abstract]  
Gains (losses) on financial assets at fair value through other comprehensive income and available-for-sale financial assets

 

37.

NET GAIN OR LOSS ON FINANCIAL ASSETS AT FVTOCI AND AFS FINANCIAL ASSETS

Details of net gain on financial assets at FVTOCI and AFS financial assets recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on redemption of securities

     11        16        220       547  

Gains on transaction of securities

     464        1,271        95,019       116,262  

Impairment losses on securities

     —          —          (6,852     (12,637
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     475        1,287        88,387       104,172  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

XML 59 R43.htm IDEA: XBRL DOCUMENT v3.10.0.1
Impairment Losses Due to Credit Loss
6 Months Ended
Jun. 30, 2018
Disclosure of impairment loss and reversal of impairment loss [Abstract]  
Impairment Losses Due To Credit Loss

 

38.

REVERSAL OF ALLOWANCE FOR (IMPAIRMENT LOSSES DUE TO) CREDIT LOSS

Reversal of allowance for (Impairment losses due to) credit loss are as follows (Unit: Korean Won in millions):

 

     2018     2017  
     Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Reversal of credit loss on financial assets at FVTOCI

     (679     (459     —         —    

Reversal of credit loss on securities at amortized cost losses

     (199     (191     —         —    

Provision for credit loss on loans and other financial assets at amortized cost

     76,699       (61,057     —         —    

Impairment losses due to credit loss

     —         —         (211,842     (333,976

Reversal of provision on guarantee

     76,354       86,990       16,071       44,968  

Reversal of provision on (provision for) loan commitment

     (1,502     3,155       (8,715     5,245  
  

 

 

   

 

 

   

 

 

   

 

 

 

Total

     150,673       28,438       (204,486     (283,763
  

 

 

   

 

 

   

 

 

   

 

 

 

 

XML 60 R44.htm IDEA: XBRL DOCUMENT v3.10.0.1
General administrative expenses and other operating income (expense)
6 Months Ended
Jun. 30, 2018
Disclosure of general administrative expenses and other operating income (expense) [Abstract]  
Disclosure of general administrative expenses and other operating income (expense)

 

39.

GENERAL ADMINISTRATIVE EXPENSES AND OTHER NET OPERATING INCOME (EXPENSES)

 

(1)

Details of general and administrative expenses recognized are as follows (Unit: Korean Won in millions):

 

            2018     2017  
            Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 
Salaries  

Short term employee benefits

  Salaries     341,645       644,663       326,034       654,191  
  Employee benefits     108,933       213,627       114,170       213,600  
  Retirement benefit service costs     36,610       72,936       36,972       74,057  
  Termination     20,994       20,994       5,477       5,477  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Subtotal

    508,182       952,220       482,653       947,325  
   

 

 

   

 

 

   

 

 

   

 

 

 

 

            2018     2017  
            Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 
Depreciation and amortization     52,222       99,698       45,380       94,927  

Other general and administrative expenses

  Rent     79,546       159,126       76,297       156,708  
  Taxes and public dues     38,275       67,385       34,077       63,178  
  Service charges     52,807       104,970       47,611       96,418  
  Computer and IT related     21,704       43,581       16,089       30,477  
 

Telephone and communication

    16,819       33,729       16,111       31,590  
  Operating promotion     9,339       19,768       10,003       21,053  
  Advertising     13,808       20,493       22,434       29,880  
  Printing     1,928       3,892       2,095       4,237  
  Traveling     2,679       6,034       2,920       6,024  
  Supplies     1,737       3,223       1,517       3,117  
  Insurance premium     1,961       4,002       1,956       4,169  
  Reimbursement     4,964       5,902       4,710       9,177  
  Maintenance     3,672       8,027       3,331       6,882  
  Water, light, and heating     2,809       7,203       2,883       7,146  
  Vehicle maintenance     2,379       4,594       2,602       4,964  
  Others     12,823       23,491       11,488       21,155  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Subtotal

    267,250       515,420       256,124       496,175  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    827,654       1,567,338       784,157       1,538,427  
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(2)

Details of other operating income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on transaction of foreign exchange

     157,245        847,397        619,297       1,698,987  

Gains on disposal of loans and receivables (*1)

     —          —          14,861       201,860  

Gains related to derivatives

     26,373        28,943        11,592       11,656  

Gains on fair value hedged items

     18,861        66,555        (7,094     11,860  

Others (*2)

     1,741        17,522        5,813       68,668  
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     204,220        960,417        644,469       1,993,031  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(*1)

Gain on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for gain related to financial assets at amortized cost in accordance with the adoption of IFRS 9.

(*2)

Other income includes such income amounting to 28,800 million Won for the six months ended June 30, 2017, respectively, that the Group recognized for it is to receive from other creditor financial institutions in accordance with the creditor financial institutions committee agreement.

 

(3)

Details of other operating expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Losses on transactions of foreign exchange

     114,971        726,348        534,740       1,374,764  

KDIC deposit insurance premium

     79,585        156,765        77,146       150,256  

Contribution to miscellaneous funds

     73,849        146,781        71,927       144,262  

Losses (Gains) on disposals of loans and receivables (*1)

     —          —          (40     28  

Losses (Gains) related to derivatives

     13,059        62,366        (16,441     31,131  

Losses on fair value hedged items

     —          —          15,820       15,846  

Others (*2)

     45,707        87,571        38,584       75,554  
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     327,171        1,179,831        721,736       1,791,841  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(*1)

Loss on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for loss related to financial assets at amortized cost in accordance with the adoption of IFRS 9.

(*2)

Other expense includes such expenses amounting to 1,412 million Won and 3,325 million Won for the six months ended June 30, 2018 and 2017, respectively, which are related to the Group’s expected payments to other creditor financial institutions in accordance with the creditor financial institutions committee agreement. In addition, ‘Other expense’ for the six months ended June 30, 2018 and 2017 includes 25,179 million Won and 24,443 million Won, respectively, of intangible asset amortization expense.

XML 61 R45.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other non-operating income (expense)
6 Months Ended
Jun. 30, 2018
Other non-operating income (expense) [Abstract]  
Other non-operating income (expense)

 

40.

OTHER NON-OPERATING INCOME (EXPENSES)

 

(1)

Details of gains or losses on valuation of investments in joint ventures and associates are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gain on valuation

     10,687        15,347        (10,061     3,316  

Loss on valuation

     (3,006      (16,809      521       (62,271

Impairment loss

     —          —          (5,323     (5,323
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     7,681        (1,462      (14,863     (64,278
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(2)

Details of other non-operating income and expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Other non-operating income

     23,345        39,041        30,411       77,185  

Other non-operating expenses

     (21,947      (43,762      (18,714     (67,187
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     1,398        (4,721      11,697       9,998  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(3)

Details of other non-operating income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Rental fee income

     1,687        3,203        1,880        3,700  

Gains on disposal of investments in joint ventures and associates

     —          —          4,466        32,886  

Gains on disposal of premises and equipment, intangible assets and other assets

     15,760        17,037        1,494        1,675  

Reversal of impairment loss of premises and equipment, intangible assets and other assets

     1        341        —          32  

Others

     5,897        18,460        22,571        38,892  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     23,345        39,041        30,411        77,185  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(4)

Details of other non-operating expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Depreciation on investment properties

     1,004        2,010        992        1,991  

Interest expense of rent leasehold deposits

     150        292        105        223  

Losses on disposal of investment in joint ventures and associates

     —          2,931        46        27,730  

Losses on disposal of premises and equipment, intangible assets and other assets

     167        221        271        608  

Impairment losses of premises and equipment, intangible assets and other assets

     2        2        40        160  

Donation

     8,551        22,042        10,426        14,980  

Others

     12,073        16,264        6,834        21,495  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     21,947        43,762        18,714        67,187  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 62 R46.htm IDEA: XBRL DOCUMENT v3.10.0.1
Income Tax Expense
6 Months Ended
Jun. 30, 2018
Major components of tax expense (income) [Abstract]  
Income Tax Expense

 

41.

INCOME TAX EXPENSE

 

(1)

Details of income tax expenses are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018     2017  

Current tax expense

    

Current tax expense in respect of the current period

     231,393       284,030  

Adjustments recognized in the current period in relation to the current tax of prior periods

     (3,632     (4,919
  

 

 

   

 

 

 

Subtotal

     227,761       279,111  
  

 

 

   

 

 

 

Deferred tax expense

    

Deferred tax assets (liabilities) relating to the origination and reversal of temporary differences

     182,515       13,889  

Deferred tax charged directly to equity

     (378     27,933  

Others (tax effect charged directly to equity due to the adoption of IFRS 9)

     75,318       —    
  

 

 

   

 

 

 

Subtotal

     257,455       41,822  
  

 

 

   

 

 

 

Income tax expense

     485,216       320,933  
  

 

 

   

 

 

 

 

(2)

Income tax expense reconciled to net income before income tax expense is as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018     2017  

Net income before income tax expense

     1,801,532       1,429,948  

Tax calculated at statutory tax rate (*)

     490,240       345,585  

Adjustments

    

Effect of income that is exempt from taxation

     (19,695     (32,683

Effect of expense not deductible in determining taxable profit

     9,395       9,624  

Adjustments recognized in the current period in relation to the current tax of prior periods

     (3,632     (4,919

Others

     8,908       3,326  
  

 

 

   

 

 

 

Subtotal

     (5,024     (24,652
  

 

 

   

 

 

 

Income tax expense

     485,216       320,933  
  

 

 

   

 

 

 

Effective tax rate

     26.9     22.4
  

 

 

   

 

 

 

 

(*)

The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won.

 

(3)

Details of accumulated deferred tax charged directly to equity are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Net gain on valuation of financial assets at FVTOCI

     18,568        —    

Loss on valuation of AFS securities

     —          (114,169

Share of other comprehensive gain (loss) of joint ventures and associates

     378        (954

Foreign currency translation of foreign operations

     6,852        15,855  

Remeasurements of the net defined benefit liability

     78,685        56,317  

Gain (loss) on cash flow hedge

     1,735        (248
  

 

 

    

 

 

 

Total

     106,218        (43,199
  

 

 

    

 

 

 

 

XML 63 R47.htm IDEA: XBRL DOCUMENT v3.10.0.1
Earnings per Share (EPS)
6 Months Ended
Jun. 30, 2018
Earnings per share [Abstract]  
Earnings Per Share (Eps)

 

42.

EARNINGS PER SHARE (“EPS”)

Basic EPS is calculated by dividing net income by weighted average number of common shares outstanding (Unit: Korean Won in millions, except for EPS and number of shares):

 

     2018     2017  
     Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Net income attributable to Owners

     716,142       1,305,878       460,888       1,098,361  

Dividends to hybrid securities

     (37,748     (75,603     (41,557     (90,823

Net income attributable to common shareholders

     678,394       1,230,275       419,331       1,007,538  

Weighted average number of common shares outstanding

    
673 shares
in million
 
 
   
673 shares
in million
 
 
   
673 shares
in million
 
 
   
673 shares
in million
 
 

Basic EPS

     1,008       1,828       623       1,497  

Diluted EPS is equal to basic EPS because there is no dilution effect for the three and six months ended June 30, 2018 and 2017.

XML 64 R48.htm IDEA: XBRL DOCUMENT v3.10.0.1
Contingent Liabilities and Commitments
6 Months Ended
Jun. 30, 2018
Disclosure of contingent liabilities [Abstract]  
Contingent Liabilities And Commitments

 

43.

CONTINGENT LIABILITIES AND COMMITMENTS

 

(1)

Details of guarantees are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Confirmed guarantees

     

Guarantee for loans

     141,193        157,299  

Acceptances

     333,365        320,519  

Guarantees in acceptances of imported goods

     106,675        108,238  

Other confirmed guarantees

     5,981,767        6,288,965  
  

 

 

    

 

 

 

Sub-total

     6,563,000        6,875,021  
  

 

 

    

 

 

 

Unconfirmed guarantees

     

Local letter of credit

     365,302        383,117  

Letter of credit

     3,207,797        3,637,787  

Other unconfirmed guarantees

     936,971        505,689  
  

 

 

    

 

 

 

Sub-total

     4,510,070        4,526,593  
  

 

 

    

 

 

 

Commercial paper purchase commitments and others

     1,299,503        1,458,101  
  

 

 

    

 

 

 

Total

     12,372,573        12,859,715  
  

 

 

    

 

 

 

 

(2)

Details of loan commitments and others are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Loan commitments

     98,251,006        80,760,325  

Other commitments

     5,942,784        4,546,090  

 

(3)

Litigation case

Legal cases where the Group is involved are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  
     As plaintiff      As defendant      As plaintiff      As defendant  

Number of cases (*)

     68 cases        161 cases        83 cases        155 cases  

Amount of litigation

     443,234        256,147        413,267        244,767  

Provisions for litigations

        19,887           9,277  

 

(*)

The number of lawsuits as of June 30, 2018 and December 31, 2017 does not include fraud lawsuits, etc. and those lawsuits that are filed only to extend the statute of limitation.

 

(4)

Other

The Group provides settlement services for payments in Korean Won to facilitate trade transactions between Korea and Iran. In connection with these services, the Group is currently being investigated by US government agencies including US prosecutors (United States Attorney’s Office and New York State Attorney General’s Office) as to whether the Group has violated United States laws by participating in prohibited transactions involving countries sanctioned by the US.

XML 65 R49.htm IDEA: XBRL DOCUMENT v3.10.0.1
Related party transactions
6 Months Ended
Jun. 30, 2018
Disclosure of transactions between related parties [Abstract]  
Related Party Transactions

 

44. RELATED PARTY TRANSACTIONS

Related parties of the Group as of June 30, 2018, assets and liabilities recognized, guarantees and commitments, and major transactions with related parties for the six months ended June 30, 2018 and 2017 are as follows:

 

(1)

Related parties

 

    

Related parties

Associates

   Kumho Tire Co., Inc., Woori Service Networks Co., Ltd., Korea Credit Bureau Co., Ltd., Korea Finance Security Co., Ltd., Chin Hung International Inc., STX Corporation, 2016KIF-IMM Woori Bank Technology Venture Fund, K BANK Co., Ltd., Well to Sea No. 3 Private Equity Fund, and Others (Dongwoo C & C Co., Ltd. and other 25 associates)

 

(2)

Assets and liabilities from transactions with related parties are as follows (Unit: Korean Won in millions):

 

Related party

  

A title of account

   June 30,
2018
    December 31,
2017
 

Associates

  

Kumho Tire Co., Inc.

   Loans      257,856       170,917  
      Loss allowance      (62,957     (156,712
      Deposits due to customers      482       666  
      Other liabilities      489       50  
  

Woori Service Networks Co., Ltd.

   Loans      22       45  
      Deposits due to customers      1,732       1,311  
      Other liabilities      339       357  
  

Korea Credit Bureau Co., Ltd.

   Loans      4       6  
      Deposits due to customers      1,063       5,586  
      Other liabilities      6       54  
  

Korea Finance Security Co., Ltd.

   Loans      42       56  
      Loss allowance      (2     —    
      Deposits due to customers      3,078       2,854  
      Other liabilities      4       7  
  

Chin Hung International Inc.

   Loans      182       408  
      Loss allowance      (24     (22
      Deposits due to customers      61,551       46,220  
      Other liabilities      2,899       1,658  
  

Poonglim Industrial Co., Ltd. (*1)

   Deposits due to customers      —         4  
  

STX Engine Co., Ltd. (*2)

   Loans      —         106,176  
      Loss allowance      —         (88,734
      Deposits due to customers      —         18,092  
      Other liabilities      —         29  
  

STX Corporation

   Loans      73,519       47,711  
      Loss allowance      (49,734     (31,210
      Deposits due to customers      2,130       77,555  
      Other liabilities      131       80  

Associates

  

K BANK Co., Ltd.

   Loans      103       212  
  

Well to Sea No.3 Private Equity Fund

   Loans      85,000       73,810  
      Loss allowance      (85     (39
      Deposits due to customers      3,213       61  
      Other liabilities      69       27  

 

Related party

  

A title of account

   June 30,
2018
     December 31,
2017
 
   Others (*3)    Loans      260        499  
      Loss allowance      (235)        (471)  
      Other assets      1        1  
      Deposits due to customers      6,369        2,906  
      Other liabilities      153        73  

 

(*1)

The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates

(*2)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

(*3)

Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017.

 

(3)

Gain or loss from transactions with related parties are as follows (Unit: Korean Won in millions):

 

          For the six months
ended June 30
 

Related party

  

A title of account

   2018      2017  

Corporation that has significant influence over the group

  

KDIC (*1)

  

Interest expenses

     —          15,331  

Associates

  

Kumho Tire Co., Inc.

  

Interest income

     1,098        1,501  
     

Fees income

     —          6  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     (93,755)        1,042  
  

Woori Blackstone Korea Opportunity Private Equity Fund No.1 (*2)

  

Fees income

     —          29  
  

Woori Service Networks Co., Ltd.

  

Other income

     15        15  
  

Interest expenses

     7        13  
     

Fees expenses

     270        335  
     

Other expenses

     231        249  
  

Korea Credit Bureau Co., Ltd.

  

Interest expenses

     21        38  
     

Fees expenses

     1,038        1,023  
  

Korea Finance Security Co., Ltd.

  

Interest expenses

     4        5  
  

Impairment losses due to credit loss

     2        —    
  

Fees expenses

     71        —    
  

Chin Hung International Inc.

  

Interest income

     —          53  
     

Fees income

     —          1  
     

Interest expenses

     21        13  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     2        (4,270)  

 

          For the six months
ended June 30
 

Related party

  

A title of account

   2018      2017  

Associates

  

STX Engine Co., Ltd (*3).

  

Interest income

     333        672  
     

Fees income

     —          28  
     

Interest expenses

     86        72  
     

Reversal of allowance for credit loss

     (88,734)        (1,835)  
  

Samho International Co., Ltd. (*4)

  

Interest income

     —          364  
  

Fees income

     —          6  
     

Interest expenses

     —          214  
     

Reversal of allowance for credit loss

     —          (116)  
  

STX Corporation

  

Interest income

     —          219  
     

Fees income

     —          58  
     

Interest expenses

     2        4  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     18,524        (59,507)  
  

K BANK Co., Ltd.

  

Fees income

     514        396  
     

Other income

     5        1,051  
  

Well to Sea No.3

  

Interest income

     1,288        —    
  

Private Equity Fund (*5)

  

Interest expenses

     4        —    
     

Impairment losses due to credit loss

     46        —    
  

Others (*6)

  

Other income

     6        —    
     

Interest expenses

     22        5  
     

Reversal of impairment losses due to credit loss

     (236)        (10)  

 

(*1)

As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group.

(*2)

Due to disposition previous year, the entity is not in scope for associate.

(*3)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

(*4)

The entity was sold after it was transferred to assets held for sale and was excluded from the investment in associates for the year ended December 31, 2017.

(*5)

Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates.

(*6)

Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017.

 

(4)

Major loan transactions with related parties for the six months ended June 30, 2018 and June 30, 2017 are as follows (Unit: Korean Won in millions):

 

          For the six months ended June 30, 2018  

Related parties

   Beginning
balance
     Loan      Collection      Others     Ending
balance (*1)
 

Associates

   Kumho Tire Co., Inc.      57,470        —          7,057        —         50,413  
   Well to Sea No. 3 Private Equity Fund (*2)      73,810        11,190        —          —         85,000  
   STX Engine Co., Ltd. (*3)      39,886        —          2,177        (37,709     —    
          For the six months ended June 30, 2017  

Related parties

   Beginning
balance
     Loan      Collection      Others     Ending
balance (*1)
 
Associates    Kumho Tire Co., Inc.      50,413        —          —          —         50,413  
   STX Engine Co., Ltd. (*3)      44,797        —          7,088        —         37,709  

 

(*1)

Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease).

(*2)

The entity is in scope for the associates due to contribution as of the year ended December 31, 2017.

(*3)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

 

(5)

There are no major borrowing transactions with related parties for the six months ended June 30, 2018 and June 30, 2017.

 

(6)

Guarantees provided to the related parties are as follows (Unit: Korean Won in millions):

 

     June 30,
2018
     December 31,
2017
    

Warranty

Kumho Tire Co., Inc.

     13,830        4,181      Import credit in foreign currencies and others
     511        636      Loan commitment

Korea Finance Security Co., Ltd.

     218        204      Loan commitment

Korea Credit Bureau Co., Ltd.

     31        29      Loan commitment

Woori Service Networks Co., Ltd.

     178        155      Loan commitment

Chin Hung International Inc.

     32,117        31,891      Loan commitment

STX Engine Co., Ltd. (*)

     —          68,858      Import credit in foreign currencies and others

STX corporation

     14,914        17,557      Import credit in foreign currencies and others
     132        53      Loan commitment

K BANK Co., Ltd.

     101        —        Loan commitment

Well to Sea No. 3 Private Equity Fund

     225,000        236,190      Loan commitment

 

(*)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

For the guarantee provided to the related parties, the Group recognized provisions for guarantees amounting to 11,525 million Won and 71,459 million Won, as of June 30, 2018 and December 31, 2017, respectively.

 

(7)

Compensation for key management is as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Short term benefits

     6,023        6,524  

Severance payments

     280        280  
  

 

 

    

 

 

 

Total

     6,303        6,804  
  

 

 

    

 

 

 

Key management includes registered executives and non-registered executives. Outstanding assets and liabilities from transactions with key management amount to 2,155 million Won and 6,946 million Won, respectively, as of June 30, 2018, and with respect to the assets, the Group has not recognized any allowance nor provision.

XML 66 R50.htm IDEA: XBRL DOCUMENT v3.10.0.1
Business combination
6 Months Ended
Jun. 30, 2018
Disclosure of detailed information about business combination [Abstract]  
Business Combination

 

45.

BUSINESS COMBINATION

The business combination occurred during the current period is as follows:

 

(1)

Acquisition of WB Finance Co., Ltd.

In order to expand Cambodia’s retail business, the Group had acquired 100% ownership of Vision Fund Cambodia on June, 2018. And The Group changed its name to WB Finance Co., Ltd..

 

(2)

Details of the accounting for the business combination are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Consideration transferred:

  

Cash and cash equivalents

     88,216  

Identifiable assets and liabilities recognized:

  

Cash and cash equivalents

     16,657  

Financial assets at FVTOCI

     17  

Loans and other financial assets at amortized cost

     205,451  

Premises and equipment

     1,630  

Intangible assets

     763  

Current tax assets

     173  

Deferred tax assets

     1,381  

Other assets

     1,510  
  

 

 

 

Total assets

     227,582  
  

 

 

 

Deposits due to customers

     54,615  

Borrowings

     120,644  

Other financial liabilities

     6,149  

Current tax liabilities

     640  

Other liabilities

     4,724  
  

 

 

 

Total liabilities

     186,772  
  

 

 

 

Identifiable net fair value

     40,810  

Goodwill(*)

     47,406  
  

 

 

 

 

(*)

Identifying the intangible assets and measuring the fair value of identifiable assets acquired are incomplete as the acquisition date was June 21, 2018. The amount of Goodwill could change due to the result of the measurement of the identifiable assets and liabilities.

XML 67 R51.htm IDEA: XBRL DOCUMENT v3.10.0.1
Establishment of a financial holding company and plan of stock transfer
6 Months Ended
Jun. 30, 2018
Disclosure of financial holding company and plan of stock transfer [Abstract]  
Establishment of a Financial Holding Company and Plan of Stock Transfer

 

46.

ESTABLISHMENT OF A FINANCIAL HODING COMPANY AND PLAN OF STOCK TRANSFER

The Group’s board of directors held a meeting on June 19, 2018, approving the plan to transfer shares which was formulated to facilitate the establishment of a financial holding company by means of comprehensive share transfer. In relation to the establishment of the financial holding company, the Group is currently undertaking processes to obtain approval from the Financial Services Committee.

The six companies that are subject to the share transfer plan include the Bank, Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Service Co., Ltd., and Woori Private Equity Asset Management Co., Ltd. After the Group obtains approval from the Financial Services Committee, the Group is planning to establish the financial holding company during the first half of 2019 through processes such as annual shareholders’ meeting. Following the establishment of the financial holding company, the six companies mentioned above will become fully owned subsidiaries of the holding company.

After the financial holding company is established, the shares of the Group will be delisted from the Korea Stock Exchange and New York Stock Exchange during the first half of the 2019, and the shares of the newly established financial holding company will be listed on both Korea Stock Exchange and New York Stock Exchange.

XML 68 R52.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies (Policies)
6 Months Ended
Jun. 30, 2018
Accounting policies [Abstract]  
Basis of presentation

 

Basis of presentation

The Group’s consolidated interim financial statements are prepared in accordance with International Financial Reporting Standards (“IFRS”) 34, Interim Financial Reporting and IFRS 10, Consolidated Financial Statements. It is necessary to use the annual consolidated financial statements for the year ended December 31, 2017 for understanding of the accompanying interim financial statements.

 

Unless stated below, the accounting policies applied in preparing the accompanying consolidated interim financial statements have been applied consistently with the annual consolidated financial statements as of and for the year ended December 31, 2017.

Adoption of IFRS 9 – Financial instruments (enacted)

 

Adoption of IFRS 9 – Financial instruments (enacted)

The Group applied for the first time as of January 1, 2018, the adoption to IFRS 9 and other standards related to IFRS 9, which introduces new rules: 1) classification and measurement of financial assets and financial liabilities, 2) impairment of financial assets, and 3) hedge accounting.

The Group decided not to restate the prior period figures when applying the Standard for the first time, thus the comparative financial statements presented are not restated.

The main contents of the new accounting standard and the effect on the financial statements of the Group are as follows:

a) Classification and measurement of financial assets and financial liabilities

All financial assets included in the scope of IFRS 9 are subsequently measured at amortized cost or fair value based on the business model for the management of financial assets and the nature of the contractual cash flows.

Debt instruments that are held within a business model whose objective is to collect the contractual cash flows, and that have contractual cash flows that are solely payments of principal and interest on the principal outstanding are generally measured at amortized cost at the end of subsequent accounting periods (financial assets at amortized cost).

Debt instruments that are held within a business model whose objective is achieved both by collecting contractual cash flows and selling financial assets, and that have contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding, are generally measured at fair value through other comprehensive income (financial assets at fair value through other comprehensive income (“FVTOCI”)).

All other debt instruments and equity instruments are measured at their fair value at the end of subsequent accounting periods (financial assets at fair value through profit or loss (“FVTPL”)).

Notwithstanding the foregoing, the Group may make the following irrevocable choice or designation at the time of initial recognition of financial assets.

The Group may make an irrevocable election to present in other comprehensive income subsequent changes in the fair value of an investment in an equity instrument within the scope of this Standard that is neither held for trading nor contingent consideration recognized by an acquirer in a business combination to which IFRS 3(R) applies.

At initial recognition, financial assets at amortized cost or FVTOCI may be irrevocably designated as financial assets at fair value through profit or loss mandatorily measured at fair value if doing so eliminate or significantly reduce a measurement or recognition inconsistency.

As of the date of first adoption of IFRS 9, there are no debt instruments classified either as financial assets at amortized cost or FVTOCI that are designated as financial assets at fair value through profit or loss.

When debt instruments measured at FVTOCI are removed, the cumulative gain or loss recognized in other comprehensive income is reclassified from equity to profit or loss as a reclassification adjustment. On the other hand, for equity instruments designated as financial assets at fair value through other comprehensive income, cumulative gains or losses previously recognized in other comprehensive income are not subsequently reclassified to profit or loss. Debt instruments measured subsequently at amortized cost or fair value through other comprehensive income are subject to impairment provisions.

 

The classification and measurement of financial assets and financial liabilities in accordance with IFRS 9 and IAS 39 as of January 1, 2018 are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassificati-
on
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    8,870,835       —         —         8,870,835  

Deposit

 

Financial assets at FVTPL

 

Financial assets at FVTPL

    25,972       —         —         25,972  

Debt securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    2,654,027       —         —         2,654,027  

Equity securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    47,304       —         —         47,304  

Derivatives

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    3,115,775       (2,137     —         3,113,638  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL(*)

    1,273,498       1,219       —         1,274,717  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    850,207       —         —         850,207  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL

    46,855       —         —         46,855  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    12,874,209       —         —         12,874,209  

Debt securities

 

Available-for-sale financial assets

 

Securities at amortized cost

    308,181       —         14,119       322,300  

Debt securities

 

Held to maturity financial assets

 

Securities at amortized cost

    16,749,296       —         —         16,749,296  

Loans

 

Loans and receivables

 

Financial assets at FVTPL (*)

    279,032       918       50       280,000  

Loans

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    253,014,491       —         —         253,014,491  

Derivatives

 

Derivatives

 

Derivatives

    59,272       —         —         59,272  

Other financial assets

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    6,772,088       —         —         6,772,088  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial assets

    306,941,042       —         14,169       306,955,211  
     

 

 

   

 

 

   

 

 

   

 

 

 

 

  (*)

Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassifica-
tion
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit due to customers

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    25,964       —         —         25,964  

Deposit due to customers

 

Deposit due to customers

 

Financial liabilities at amortized cost

    234,695,084       —         —         234,695,084  

Borrowings

 

Borrowings

 

Financial liabilities at amortized cost

    14,784,706       —         —         14,784,706  

Debentures

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    91,739       —         —         91,739  

Debentures

 

Debentures

 

Financial liabilities at amortized cost

    27,869,651       —         —         27,869,651  

Equity-linked securities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    160,057       —         —         160,057  

Derivatives liabilities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    3,150,149       —         —         3,150,149  

Derivatives liabilities

 

Derivatives liabilities

 

Derivatives liabilities

    67,754       —         —         67,754  

Other financial liabilities

 

Other financial liabilities

 

Financial liabilities at amortized cost

    13,892,461       —         —         13,892,461  

Provision for financial guarantee

 

Provision for financial guarantee

 

Financial liabilities at amortized cost

    71,697       —         —         71,697  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial liabilities

    294,809,262       —         —         294,809,262  
     

 

 

   

 

 

   

 

 

   

 

 

 

At the date of the initial application of IFRS 9, there were no financial assets or liabilities measured at FVTPL that were reclassified to FVTOCI or amortized cost category.

As of the date of first adoption of IFRS 9, the amount of valuation gain or loss and the fair value of financial assets that would have been recognized in the book, had the entity decided not to reclassify financial assets at FVTPL or FVTOCI that has been reclassified into financial assets at amortized cost, are as follows: (Unit: Korean Won in millions)

 

Account subject

  

Category before the adoption of
IFRS 9

   Amount of valuation gain/loss had
it not been reclassified
    Fair value  

Debt securities

   AFS securities      (236     302,638  

b) Impairment of financial assets

The impairment model under IFRS 9 reflects expected credit losses, as opposed to incurred credit losses under IAS 39. Under the impairment approach in IFRS 9, it is no longer necessary for a credit event to have occurred before credit losses are recognized. Instead, the Group accounts for expected credit losses and changes in those expected credit losses. The amount of expected credit losses should be updated at each reporting date to reflect changes in credit risk since initial recognition.

The Group is required to recognize the expected credit losses for financial instruments measured at amortized cost or FVTOCI, and loan commitments and financial guarantee contracts that are subject to the impairment provisions of IFRS 9. In particular, when the credit risk of the financial instruments are significantly increased after initial recognition, or when the credit quality of the financial instruments are already impaired at acquisition, the loss allowance is measured as the expected credit loss for the whole life of the financial assets. If the credit risk of a financial instruments does not increase significantly after initial

 

recognition (excluding POCI loans - for financial assets already impaired at initial recognition), the Group measures the loss allowance on the financial instruments at the amount equivalent to the expected 12-month credit loss.

Management determined the credit risk at the date of initial recognition of the financial instrument in accordance with IFRS 9 and provided a reasonable and supportive measure that can be used without undue cost or effort in comparison with the credit risk of the initial application date (January 1, 2018) the Group used information that could be used to assess the impairment of the Group’s financial assets, lending arrangements and financial guarantees at the date of initial application. As of January 1, 2018, the evaluation results are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

   Loss allowance
per IAS 39 (A)
     Loss allowance
per IFRS 9 (B)
     Increases
(B-A)
 

Deposit

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     2,458        3,092        634  

Debt securities

            

AFS debt securities

 

AFS financial assets

 

Financial assets at FVTOCI

     —          4,236        4,236  

HTM securities

 

HTM financial assets

 

Securities at amortized cost

     —          5,078        5,078  

Loans and other financial assets

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     1,827,785        2,076,873        249,088  

Payment guarantee

         183,247        192,924        9,677  

Loan commitment

         66,115        104,985        38,870  
      

 

 

    

 

 

    

 

 

 

Total

     2,079,605        2,387,188        307,583  
      

 

 

    

 

 

    

 

 

 

c) Classification and measurement of financial liabilities

One of the major changes related to the classification and measurement of financial liabilities as a result of the adoption of IFRS 9 is the change in the fair value of financial liabilities designated at fair value through profit or loss due to the changes in issuer’s own credit risk. The Group recognizes the effect of changes in the credit risk of financial liabilities designated as at FVTOCI in other comprehensive income, except for cases where it causes or disproves accounting mismatch of the profit or loss. Changes in fair value due to credit risk of financial liabilities are not subsequently reclassified to profit or loss, but are reclassified as retained earnings when financial liabilities are eliminated.

In accordance with IAS 39, the entire of changes in fair value of financial liabilities designated as at FVTPL are recognized in profit or loss. As of January 1, 2018, the Group designated 251,796 million Korean Won of FVTPL out of 294,813,795 million of financial liabilities, and recognized 133 million Korean Won as accumulated other comprehensive loss in relation to the changes in credit risk of financial liabilities.

d) Hedge accounting

The new hedge accounting model maintains three types of hedge accounting. However, it is introduced more flexibility in the types of transactions that are eligible for hedge accounting and is expanded the types of hedging instruments and non-financial hedge items that qualify for hedge accounting. As a whole, it has been amended and replaced by the principle of “economic relationship” between the hedged item and the hedging instrument. Retrospective assessment of the hedging effectiveness is no longer required. Additional disclosure requirements have been introduced in relation to the Group’s risk management activities.

 

In accordance with the transitional provisions of IFRS 9 on hedge accounting, the Group adopted the hedge accounting provisions of IFRS 9 prospectively from January 1, 2018. As of the date of initial application, the Group has considered that the hedging relationship in accordance with IAS 39 is appropriate for hedge accounting under IFRS 9, thus the hedging relationship is considered to exist continually. Since the major conditions for hedging instruments and the hedged items are consistent, all hedging relationships are consistent with the effectiveness assessment requirements of IFRS 9. The Group has not designated a hedging relationship in accordance with IFRS 9 in which the hedge relationship would not have met the requirements for hedge accounting under IAS 39.

Consistent with prior periods, the Group continues to designate fair value changes in interest rate swaps as hedging instruments in the fair value hedge relationship.

e) Effect on equity as a result of adoption of IFRS 9

The effect on equity due to the adoption of IFRS 9 as of January 1, 2018 is as follows (Unit: Korean Won in millions):

 

  -

Impact on accumulated other comprehensive loss as result of financial assets at FVTOCI, etc.

 

     Amount  

Beginning balance (prior to IFRS 9)

     (89,723

Reclassification

     (392,177

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     494  

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     (152,124

Recognition of expected credit losses of debt securities at FVTOCI

     4,293  

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     (397,508

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     (133

Others

     3,005  

Income tax effect

     149,796  
  

 

 

 

Ending balance (based on IFRS 9)

     (481,900
  

 

 

 

 

  -

Retained earnings impact

 

     Amount  

Beginning balance (prior to IFRS 9)

     15,620,006  

Reclassification

     177,091  

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     (494

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     152,067  

Recognition of expected credit losses of debt instruments at FVTOCI

     (4,236

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     397,508  

Effect on revaluation of financial assets at amortized cost from loan and receivables or AFS financial assets

     282  

Recognition of expected credit losses of financial assets at amortized cost which were previously loan and receivables

     (240,683

Effect of payment guarantees / unused commitments on liabilities

     (48,548

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     133  

Others

     (4,456

Income tax effect

     (74,482
  

 

 

 

Ending balance (based on IFRS 9)

     15,797,097  
  

 

 

 

 

Adoption of IFRS 15 – Revenue from contracts with customers (enacted)

 

-

Adoption of IFRS 15 – Revenue from contracts with customers (enacted)

The Group adopted IFRS 15 for the first time and decided to retrospectively apply the cumulative effect of the first application of IFRS 15 as of January 1, 2018. In addition, the Standard has been retrospectively applied only to contracts that are not completed on the date of initial application, and all contractual changes made prior to the first application date are not rewritten.

In addition, the Group decided not to restate the prior periods when applying IFRS 15 for the first time. Accordingly, the Group has not retroactively restated the comparative consolidated financial statements presented herein.

Amendments to IFRS 2 – Classification and Measurement of Share-based Payment Transactions

 

-

Amendments to IFRS 2 – Classification and Measurement of Share-based Payment Transactions

The amendments clarify the following; i) In estimating the fair value of a cash-settled share-based payment, the accounting for the effects of vesting and non-vesting conditions should follow the same approach as for equity-settled share-based payments ii) Where tax law or regulation requires an entity to withhold a specified number of equity instruments equal to the monetary value of the employee’s tax obligation to meet the employee’s tax liability which is then remitted to the tax authority, i.e. the share-based payment arrangement has a ‘net settlement feature’, such an arrangement should be classified as equity-settled in its entirety, provided that the share-based payment would have been classified as equity-settled had it not included the net settlement feature, iii) A modification of a share-based payment that changes the transaction from cash-settled to equity-settled should be accounted for as follows; a) the original liability is derecognized; b) the equity-settled share-based payment is recognized at the modification date fair value of the equity instrument granted to the extent that services have been rendered up to the modification date; and c) any difference between the carrying amount of the liability at the modification date and the amount recognized in equity should be recognized in profit or loss immediately.

Amendments to IAS 40 – Transfers of Investment Property

 

-

Amendments to IAS 40 – Transfers of Investment Property

The amendments clarify that a transfer to, or from, investment property necessitates an assessment of whether a property meets the definition of investment property, supported by observable evidence that a change in use has occurred. The amendments further clarify that the situations listed in IAS 40 are not exhaustive and that a change in use is possible for properties under construction (i.e. a change in use is not limited to completed properties).

Amendments to IFRIC 22 – Foreign Currency Transactions and Advance Consideration

 

-

Amendments to IFRIC 22 – Foreign Currency Transactions and Advance Consideration

IFRIC 22 addresses how to determine the ‘date of transaction’ for the purpose of determining the exchange rate to use on initial recognition of an asset, expense or income (or part of them), when consideration for that item has been paid or received in advance in a foreign currency which resulted in the recognition of a non-monetary asset or non-monetary liability (e.g. a non-refundable deposit or deferred revenue).

The Interpretation specifies that the date of transaction is the date on which the entity initially recognizes the non-monetary asset or non-monetary liability arising from the payment or receipt of advance consideration. If there are multiple payments or receipts in advance, the Interpretation requires an entity to determine the date of transaction for each payment or receipt of advance consideration.

Annual Improvements to IFRS 2014-2016 Cycle

 

-

Annual Improvements to IFRS 2014-2016 Cycle

The amendments include partial amendments to IFRS 1 ‘First-time Adoption of IFRS’ and IAS 28 ‘Investments in Associates and Joint Ventures.’ Amendments to IAS 28 provide that an investment company such as a venture capital investment vehicle may selectively designate each of its investment in associates and/or joint ventures to be measured at fair value through profit or loss mandatorily measured at fair value, and that such designation must be made at the time of each investment’s initial recognition. In addition, when non-investment companies apply equity method to investment in associates and/or joint ventures that are investment companies, these companies may apply the same fair value measurement used by the said associates to value their own subsidiaries. This accounting treatment may be selectively applied to each associate.

IFRS 16—Leases (enacted)

 

-

IFRS 16—Leases (enacted)

IFRS 16 introduces a comprehensive model for the identification of lease arrangements and accounting treatments for both lessors and lessees. IFRS 16 will supersede the current lease guidance including IAS 17 Leases and the related interpretations, and will be applied to periods beginning on or after January 1, 2019.

IFRS 16 distinguishes leases and service contracts on the basis of whether an identified asset is controlled by a customer. Distinctions of operating leases and finance leases are removed for lessee accounting, and is replaced by model where a right-of-use asset and corresponding liability have to be recognized for all leases by lessees except for short-term leases and leases of low value assets.

The right-of-use asset is initially measured at cost and subsequently measured at cost (subject to certain exceptions) less accumulated depreciation and impairment losses, adjusted for any remeasurement of the lease liability. The lease liability is initially measured at the present value of the lease payments that are not paid at that date. Subsequently, the lease liability is adjusted for interest and lease payments, as well as the impact of lease modifications, amongst others. Furthermore, the classification of cash flows will also be affected as operating lease payments under IAS 17 are presented as operating cash flows; whereas under the IFRS 16 model, the lease payments will be split into a principal and an interest portion which will be presented as financing and operating cash flows respectively.

In contrast to lessee accounting, IFRS 16 substantially carries forward the lessor accounting requirements in IAS 17, and continues to require a lessor to classify a lease either as an operating lease or a finance lease. Also, IFRS 16 requires expanded disclosures.

According to the preliminary assessment of the Group, the lease agreements entered into by the Group as of June 30, 2018 are expected to meet the definition of lease under the Standard, and accordingly, if the Group adopts the Standard, it applies to all leases except short-term leases and leases of low value assets, and the Group will recognize the right-of-use assets and related liabilities accordingly. The Group is currently analyzing the potential impact of this standards as of June 30, 2018.

XML 69 R53.htm IDEA: XBRL DOCUMENT v3.10.0.1
Significant accounting estimates and assumptions (Policies)
6 Months Ended
Jun. 30, 2018
Disclosure of accounting judgements and estimates explanatory [Abstract]  
Significant accounting estimates and assumptions for preparation of the Interim financial statements

 

In the application of the Group’s accounting policies to the interim financial statements, management is required to make judgments, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. Actual results can differ from those estimates based on such definitions.

The significant judgments which management has made about the application of the Group’s accounting policies and key sources of uncertainty in estimate do not differ from those used in preparing the consolidated financial statements for the year ended December 31, 2017, except the Group’s policy, accounting estimates and assumptions described below;

Accounting policy for income tax

 

(1)

Income taxes

The Group is operating in numerous countries and the income generated from these operations is subject to income taxes based on tax laws and interpretations of tax authorities in numerous jurisdictions. There are many transactions and calculations which makes the ultimate tax determination uncertain. If certain portion of the taxable income is not used for investments, increase in wages, and others in accordance with the Tax System for Promotion of investment and Collaborative Cooperation (Recirculation of Corporate Income), the Group is liable to pay additional income tax calculated based on the tax laws. The new tax system is effective for three years from 2018. Accordingly, the measurement of current and deferred income tax is affected by the tax effects from

 

the new system. As the Group’s income tax is dependent on the investments, increase in wages, and others, there exists uncertainty with regard to measuring the final tax effects.

Accounting policy for credit losses (allowance for loan losses, provisions for acceptances and guarantees, and unused loan commitments)

 

(2)

Provisions for credit losses (allowances for loan losses, provisions for acceptances and guarantees, and unused loan commitments)

In accordance with IFRS 9, the Group tests impairment and recognizes allowances for losses on financial assets classified at amortized cost, and debt instruments measured at fair value through other comprehensive income and lease receivables through impairment testing and recognizes provisions for guarantees, and unused loan commitments. Accuracy of provisions for credit losses is dependent upon estimation of expected cash flows of the borrower for individually assessed allowances of loans, and upon assumptions and methodology used for collectively assessed allowances for the Group’s of loans, guarantees and unused loan commitments.

XML 70 R54.htm IDEA: XBRL DOCUMENT v3.10.0.1
General (Tables)
6 Months Ended
Jun. 30, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Disclosure of investments in subsidiaries

 

(2)

The consolidated financial statements for Woori Bank and its subsidiaries (the “Group”) include the following subsidiaries:

 

          Percentage of ownership
(%)
    Location     Financial
statements
as of
(2018)
 

Subsidiaries

  Main business     June 30,
2018
    December 31,
2017
 

Woori Bank:

         

Woori FIS Co., Ltd.

   

System software
development
& maintenance
 
 
 
    100.0       100.0       Korea       June 30  

Woori Private Equity Asset Management Co., Ltd.

    Finance       100.0       100.0       Korea       June 30  

Woori Finance Research Institute Co., Ltd.

   
Other service
business
 
 
    100.0       100.0       Korea       June 30  

Woori Card Co., Ltd.

    Finance       100.0       100.0       Korea       June 30  

Woori Investment Bank Co., Ltd.

   
Other credit
finance business
 
 
    59.8       59.8       Korea       June 30  

Woori Credit Information Co., Ltd.

    Credit information       100.0       100.0       Korea       June 30  

Woori America Bank

    Finance       100.0       100.0       U.S.A.       June 30  

Woori Global Markets Asia Limited

          100.0       100.0       Hong Kong       June 30  

Woori Bank China Limited

          100.0       100.0       China       June 30  

AO Woori Bank

          100.0       100.0       Russia       June 30  

PT Bank Woori Saudara Indonesia 1906 Tbk

          79.9       79.9       Indonesia       June 30  

Banco Woori Bank do Brasil S.A.

          100.0       100.0       Brazil       June 30  

Korea BTL Infrastructure Fund

          99.9       99.9       Korea       June 30  

Woori Fund Service Co., Ltd.

          100.0       100.0       Korea       June 30  

Woori Finance Cambodia PLC.

          100.0       100.0       Cambodia       June 30  

Woori Finance Myanmar Co., Ltd.

          100.0       100.0       Myanmar       June 30  

Wealth Development Bank

          51.0       51.0       Philippines       June 30  

Woori Bank Vietnam Limited

          100.0       100.0       Vietnam       June 30  

WB Finance Co., Ltd.

          100.0       —         Cambodia       June 30  

Kumho Trust First Co., Ltd. (*1)

    Asset securitization       0.0       0.0       Korea       June 30  

Asiana Saigon Inc. (*1)

          0.0       0.0       Korea       June 30  

Consus Eighth Co., LLC (*1)

          0.0       0.0       Korea       June 30  

KAMCO Value Recreation First Securitization Specialty Co., Ltd. (*1)

          15.0       15.0       Korea       June 30  

Hermes STX Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

BWL First Co., LLC (*1)

          0.0       0.0       Korea       June 30  

Deogi Dream Fourth Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Jeonju Iwon Ltd. (*1)

          0.0       0.0       Korea       June 30  

Wonju I one Inc. (*1)

          0.0       0.0       Korea       June 30  

Heitz Third Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woorihansoop 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Electric Cable First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori International First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori HJ First Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Woori WEBST 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

Wibihansoop 1st Co., Ltd. (*1)

          0.0       0.0       Korea       June 30  

HNLD 1st Inc.(*4)

          —         0.0       Korea       —    

 

        Percentage of ownership
(%)
    Location   Financial
statements
as of
(2018)
 

Subsidiaries

  Main business   June 30,
2018
    December 31,
2017
 

Uri QS 1st Co., Ltd. (*1)

      0.0       0.0     Korea     June 30  

Uri Display 1st Co., Ltd.(*1)

      0.0       0.0     Korea     June 30  

Tiger Eyes 2nd Co., Ltd.(*1)

      0.0       0.0     Korea     June 30  

Woori Serveone 1st Co., Ltd. (*1)

      0.0       0.0     Korea     June 30  

Uri Display 2nd Co.,Ltd. (*1)

      0.0       —       Korea     June 30  

Woori the Colony Unjung Securitization Specialty Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Woori Dream 1st Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Woori HS 1st Co., Ltd. (*1)

      0.0       —       Korea     June 30  

Smart Casting Inc. (*1)

      0.0       —       Korea     June 30  

HeungkukWoori Tech Company Private Placement Investment Trust No. 1 and 6 beneficiary certificates (*2)

  Securities investment
and others
    —         —       Korea     June 30  

Principle Guaranteed Trust (*3)

  Trust     0.0       0.0     Korea     June 30  

Principle and Interest Guaranteed Trust (*3)

      0.0       0.0     Korea     June 30  

Woori Investment Bank:

         

Dongwoo First Securitization Specialty Co., Ltd. (*1)

  Asset securitization     5.0       5.0     Korea     June 30  

Seari First Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Namjong 1st Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Bukgeum First Securitization Specialty Co., Ltd. (*1)

      5.0       5.0     Korea     June 30  

Seori Second Securitization Specialty Co., Ltd. (*1)

  Asset securitization     5.0       —       Korea     June 30  

Bukgeum Second Securitization Specialty Co., Ltd. (*1)

      5.0       —       Korea     June 30  

Woori Card Co., Ltd.:

         

TUTU Finance-WCI Myanmar Co., Ltd.

  Finance     100.0       100.0     Myanmar     June 30  

Woori Card one of 2017-1 Securitization Specialty Co., Ltd. (*1)

  Asset securitization     0.5       0.5     Korea     June 30  

Woori Card one of 2017-2 Securitization Specialty Co., Ltd. (*1)

      0.5       0.5     Korea     June 30  

 

(*1)

The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.

(*2)

The entity was a structured entity for the purpose of investment in securities and was in scope for consolidation, considering that the Group 1) had the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.

(*3)

The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the

 

  power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.
(*4)

The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns.

Unconsolidated companies with more than 50 Percent ownership interests

 

(3)

As of June 30, 2018, and December 31, 2017, despite having more than 50% ownership interest, the Group has not consolidated the following companies as the Group does not have the ability to control following subsidiaries:

 

     As of June 30, 2018  

Subsidiaries

   Location    Main
Business
   Percentage of
ownership (%)
 

Golden Bridge NHN Online Private Equity Investment (*)

   Korea    Securities Investment      60.0  

Mirae Asset Maps Clean Water Private Equity Investment Trust 7th (*)

   Korea    Securities Investment      57.1  

Kiwoom Yonsei Private Equity Investment Trust (*)

   Korea    Securities Investment      88.3  

Hana Walmart Real Estate Investment Trust 41-1 (*)

   Korea    Securities Investment      77.0  

IGIS Global Private Placement Real Estate Fund No. 148-1 (*)

   Korea    Securities Investment      75.0  

IGIS Global Private Placement Real Estate Fund No. 148-2 (*)

   Korea    Securities Investment      75.0  

Mirae Asset Seoul Ring Expressway Private Special Asset Fund I (*)

   Korea    Securities Investment      66.2  

Hangkang Sewage Treatment Plant Fund (*)

   Korea    Securities Investment      55.6  

Consus KyungJu Green Private Placement Real Estate Fund 1st (*)

   Korea    Securities Investment      52.4  

 

(*)

The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.

 

     As of December 31, 2017  

Subsidiaries

   Location    Main
Business
   Percentage of
ownership (%)
 

Golden Bridge NHN Online Private Equity Investment (*)

   Korea    Securities Investment      60.0  

Mirae Asset Maps Clean Water Private Equity Investment Trust 7th (*)

   Korea    Securities Investment      59.7  

Kiwoom Yonsei Private Equity Investment Trust (*)

   Korea    Securities Investment      88.9  

Hana Walmart Real Estate Investment Trust 41-1 (*)

   Korea    Securities Investment      90.1  

IGIS Global Private Placement Real Estate Fund No. 148-1 (*)

   Korea    Securities Investment      75.0  

IGIS Global Private Placement Real Estate Fund No. 148-2 (*)

   Korea    Securities Investment      75.0  

 

(*)

The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.

Summarized financial information before elimination of intercompany transactions of the subsidiaries

 

(4)

The summarized financial information before the elimination of intercompany transactions of the subsidiaries whose financial information was prepared under IFRS for the Group’s consolidated financial statements is as follows (Unit: Korean Won in millions):

 

     As of and for the six months ended June 30, 2018  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

Woori FIS Co., Ltd.

     80,851        55,312        138,088        (7,006     (7,040

Woori Private Equity Asset Management Co., Ltd.

     40,799        2,064        556        (1,493     (1,490

Woori Finance Research Institute Co., Ltd.

     4,314        615        2,776        258       258  

Woori Card Co., Ltd.

     9,100,890        7,462,577        944,657        67,618       62,866  

Woori Investment Bank Co., Ltd.

     2,723,251        2,418,664        109,428        14,722       14,878  

Woori Credit Information Co., Ltd.

     34,130        6,167        17,601        839       839  

Woori America Bank

     2,073,420        1,777,327        42,624        11,186       24,091  

Woori Global Markets Asia Limited

     406,684        287,622        7,302        2,156       7,298  

Woori Bank China Limited

     5,120,070        4,596,883        143,390        7,382       25,267  

AO Woori Bank

     277,555        224,860        8,778        2,570       200  

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,349,222        1,858,176        96,177        22,401       15,947  

Banco Woori Bank do Brasil S.A.

     155,083        125,288        7,341        882       (2,515

Korea BTL Infrastructure Fund

     777,576        297        14,704        12,865       12,865  

Woori Fund Service Co., Ltd.

     13,411        977        4,922        1,023       1,023  

Woori Finance Cambodia PLC.

     73,212        52,584        4,912        1,277       2,197  

Woori Finance Myanmar Co., Ltd.

     19,837        6,496        2,086        (187     412  

Wealth Development Bank

     185,866        152,414        6,240        (2     (788

Woori Bank Vietnam Limited

     1,142,018        990,228        23,746        3,545       8,822  

WB Finance Co., Ltd.

     227,582        186,772        —          —         —    

Money trust under the FISCM Act (*)

     1,573,367        1,543,491        24,029        (36     (36

Structured entity for the securitization of financial assets

     1,226,022        1,631,837        32,089        12,202       5,725  

Structured entity for the investments in securities

     41,221        40        785        (798     (1,869

 

(*)

FISCM Act: Financial Investment Services and Capital Markets Act

 

     As of and for the year ended December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

Woori FIS Co., Ltd.

     103,932        71,386        252,460        1,940       (2,963

Woori Private Equity Asset Management Co., Ltd.

     42,894        2,670        7,257        (4,114     (4,074

Woori Finance Research Institute Co., Ltd.

     3,790        350        4,733        83       64  

Woori Card Co., Ltd.

     8,605,993        6,973,705        1,771,157        101,214       107,321  

Woori Investment Bank Co., Ltd.

     1,880,157        1,588,610        183,376        20,023       20,210  

Woori Credit Information Co., Ltd.

     33,298        6,175        31,580        861       752  

Woori America Bank

     1,954,301        1,679,248        81,337        11,869       (16,833

Woori Global Markets Asia Limited

     290,226        178,343        11,345        1,922       (12,544

Woori Bank China Limited

     4,960,637        4,458,683        388,913        13,809       (15,252

AO Woori Bank

     201,704        149,101        15,656        4,748       1,217  

 

     As of and for the year ended December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
attributable to
owners
    Comprehensive
income (loss)
attributable to
owners
 

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,230,617        1,745,171        192,485        38,488       (18,689

Banco Woori Bank do Brasil S.A.

     213,889        181,544        20,455        1,843       (2,840

Korea BTL Infrastructure Fund

     786,480        301        30,240        26,390       26,390  

Woori Fund Service Co., Ltd.

     12,653        1,242        9,021        1,398       1,398  

Woori Finance Cambodia PLC.

     51,304        32,873        5,895        983       (473

Woori Finance Myanmar Co., Ltd.

     18,236        5,307        2,506        791       15  

Wealth Development Bank

     191,049        156,808        13,632        1,323       (1,093

Woori Bank Vietnam Limited

     775,758        632,160        29,698        2,436       (15,347

Money trust under the FISCM Act (*)

     1,560,672        1,530,760        44,344        582       582  

Structured entity for the securitization of financial assets

     867,583        1,275,719        22,730        1,179       (2,800

Structured entity for the investments in securities

     34,939        76        377        (475     (38,592

 

(*)

FISCM Act: Financial Investment Services and Capital Markets Act

Total assets of the unconsolidated structured entities the carrying value of the related items recorded the maximum exposure to risks and the loss recognized

 

Total assets of the unconsolidated structured entities, the carrying value of the related items recorded, the maximum exposure to risks, and the loss recognized in conjunction with the unconsolidated structured entities as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Asset
securitization
vehicle
     Structured
finance
     Investment
Funds
 

Total asset of the unconsolidated structured entities

     7,955,990        36,949,944        14,777,372  

Assets recognized in the consolidated financial statements related to the unconsolidated structured entities

     2,956,395        2,162,493        1,333,612  

Financial assets at FVTPL

     232,931        69,259        1,079,544  

Financial assets at FVTOCI

     499,861        49,538        —    

Financial assets at amortized cost

     2,223,211        2,039,184        10,697  

Investments in joint ventures and associates

     —          885        243,371  

Derivative assets

     392        3,627        —    

Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities

     1,442        1,587        81  

Derivative liabilities

     361        749        —    

Other liabilities (including provisions)

     1,081        838        81  

The maximum exposure to risks

     3,697,522        2,818,678        1,398,067  

Investments

     2,956,395        2,162,493        1,333,612  

Credit facilities

     741,127        656,185        64,455  

Loss recognized on unconsolidated structured entities

     158        8,757        9,110  

 

F-15


     December 31, 2017  
     Asset
securitization
vehicle
     Structured
finance
     Investment
Funds
 

Total asset of the unconsolidated structured entities

     7,295,601        40,172,830        13,641,135  

Assets recognized in the consolidated financial statements related to the unconsolidated structured entities

     3,215,159        2,314,043        1,138,523  

Loans and receivables

     43,180        1,969,760        —    

Financial assets held for trading

     —          233,428        10,160  

AFS financial assets

     902,390        106,819        904,774  

HTM financial assets

     2,269,451        —          —    

Investments in joint ventures and associates

     —          —          223,589  

Derivative assets

     138        4,036        —    

Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities

     1,433        1,506        —    

Derivative liabilities

     575        968        —    

Other liabilities (including provisions)

     858        538        —    

The maximum exposure to risks

     4,032,531        2,918,448        1,138,523  

Investments

     3,215,159        2,314,043        1,138,523  

Credit facilities

     817,372        604,405        —    

Loss recognized on unconsolidated structured entities

     837        3,939        5,993  
Accumulated non-controlling interests

 

(7)

Subsidiaries of which non-controlling interests are significant to the Group’s consolidated financial statements are as follows (Unit: Korean Won in millions):

 

  1)

Accumulated non-controlling interests at the end of the reporting period

 

     June 30, 2018      December 31, 2017  

Woori Investment Bank

     125,809        119,111  

PT Bank Woori Saudara Indonesia 1906 Tbk

     66,004        64,877  

Wealth Development Bank

     16,391        16,778  

 

  2)

Net income attributable to non-controlling interests

 

    For the six months ended
June 30, 2018
    For the six months ended
June 30, 2017
 

Woori Investment Bank

    5,912       5,072  

PT Bank Woori Saudara Indonesia 1906 Tbk

    4,508       5,048  

Wealth Development Bank

    (1     515  

 

  3)

Dividends to non-controlling interests

 

     For the six months ended
June 30, 2018
     For the six months ended
June 30, 2017
 

PT Bank Woori Saudara Indonesia 1906 Tbk

     2,082        1,513  
XML 71 R55.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies (Tables)
6 Months Ended
Jun. 30, 2018
Accounting policies [Abstract]  
Classification and measurement

 

The classification and measurement of financial assets and financial liabilities in accordance with IFRS 9 and IAS 39 as of January 1, 2018 are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassificati-
on
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    8,870,835       —         —         8,870,835  

Deposit

 

Financial assets at FVTPL

 

Financial assets at FVTPL

    25,972       —         —         25,972  

Debt securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    2,654,027       —         —         2,654,027  

Equity securities

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    47,304       —         —         47,304  

Derivatives

 

Financial assets at FVTPL

 

Financial assets at FVTPL(*)

    3,115,775       (2,137     —         3,113,638  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL(*)

    1,273,498       1,219       —         1,274,717  

Equity securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    850,207       —         —         850,207  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTPL

    46,855       —         —         46,855  

Debt securities

 

Available-for-sale financial assets

 

Financial assets at FVTOCI

    12,874,209       —         —         12,874,209  

Debt securities

 

Available-for-sale financial assets

 

Securities at amortized cost

    308,181       —         14,119       322,300  

Debt securities

 

Held to maturity financial assets

 

Securities at amortized cost

    16,749,296       —         —         16,749,296  

Loans

 

Loans and receivables

 

Financial assets at FVTPL (*)

    279,032       918       50       280,000  

Loans

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    253,014,491       —         —         253,014,491  

Derivatives

 

Derivatives

 

Derivatives

    59,272       —         —         59,272  

Other financial assets

 

Loans and receivables

 

Loan and other financial assets at amortized cost

    6,772,088       —         —         6,772,088  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial assets

    306,941,042       —         14,169       306,955,211  
     

 

 

   

 

 

   

 

 

   

 

 

 

 

  (*)

Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

  Classification
according to
IAS 39
    Reclassifica-
tion
    Remeasure-
ment
    Classification
according to
IFRS 9
 

Deposit due to customers

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    25,964       —         —         25,964  

Deposit due to customers

 

Deposit due to customers

 

Financial liabilities at amortized cost

    234,695,084       —         —         234,695,084  

Borrowings

 

Borrowings

 

Financial liabilities at amortized cost

    14,784,706       —         —         14,784,706  

Debentures

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    91,739       —         —         91,739  

Debentures

 

Debentures

 

Financial liabilities at amortized cost

    27,869,651       —         —         27,869,651  

Equity-linked securities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    160,057       —         —         160,057  

Derivatives liabilities

 

Financial liabilities at FVTPL

 

Financial liabilities at FVTPL

    3,150,149       —         —         3,150,149  

Derivatives liabilities

 

Derivatives liabilities

 

Derivatives liabilities

    67,754       —         —         67,754  

Other financial liabilities

 

Other financial liabilities

 

Financial liabilities at amortized cost

    13,892,461       —         —         13,892,461  

Provision for financial guarantee

 

Provision for financial guarantee

 

Financial liabilities at amortized cost

    71,697       —         —         71,697  
     

 

 

   

 

 

   

 

 

   

 

 

 

Total financial liabilities

    294,809,262       —         —         294,809,262  
     

 

 

   

 

 

   

 

 

   

 

 

Fair value and fair value gain or loss of financial assets reclassified as measured at amortized cost at first application of IFRS 9

 

As of the date of first adoption of IFRS 9, the amount of valuation gain or loss and the fair value of financial assets that would have been recognized in the book, had the entity decided not to reclassify financial assets at FVTPL or FVTOCI that has been reclassified into financial assets at amortized cost, are as follows: (Unit: Korean Won in millions)

 

Account subject

  

Category before the adoption of
IFRS 9

   Amount of valuation gain/loss had
it not been reclassified
    Fair value  

Debt securities

   AFS securities      (236     302,638  
Impairment of financial assets

 

Management determined the credit risk at the date of initial recognition of the financial instrument in accordance with IFRS 9 and provided a reasonable and supportive measure that can be used without undue cost or effort in comparison with the credit risk of the initial application date (January 1, 2018) the Group used information that could be used to assess the impairment of the Group’s financial assets, lending arrangements and financial guarantees at the date of initial application. As of January 1, 2018, the evaluation results are as follows (Unit: Korean Won in millions):

 

Account

 

Classification
according to
IAS 39

 

Classification
according to
IFRS 9

   Loss allowance
per IAS 39 (A)
     Loss allowance
per IFRS 9 (B)
     Increases
(B-A)
 

Deposit

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     2,458        3,092        634  

Debt securities

            

AFS debt securities

 

AFS financial assets

 

Financial assets at FVTOCI

     —          4,236        4,236  

HTM securities

 

HTM financial assets

 

Securities at amortized cost

     —          5,078        5,078  

Loans and other financial assets

 

Loans and receivables

 

Loans and other financial assets at amortized cost

     1,827,785        2,076,873        249,088  

Payment guarantee

         183,247        192,924        9,677  

Loan commitment

         66,115        104,985        38,870  
      

 

 

    

 

 

    

 

 

 

Total

     2,079,605        2,387,188        307,583  
      

 

 

    

 

 

    

 

 

Effect on accumulated other comprehensive income or loss out of equity as a result of adoption of IFRS 9

 

-

Impact on accumulated other comprehensive loss as result of financial assets at FVTOCI, etc.

 

     Amount  

Beginning balance (prior to IFRS 9)

     (89,723

Reclassification

     (392,177

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     494  

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     (152,124

Recognition of expected credit losses of debt securities at FVTOCI

     4,293  

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     (397,508

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     (133

Others

     3,005  

Income tax effect

     149,796  
  

 

 

 

Ending balance (based on IFRS 9)

     (481,900
  

 

 

 

 

Effect on retained earnings out of equity as a result of adoption of IFRS 9

 

-

Retained earnings impact

 

     Amount  

Beginning balance (prior to IFRS 9)

     15,620,006  

Reclassification

     177,091  

Reclassification of available-for-sale financial assets to financial assets at Amortized cost

     (494

Reclassification of available-for-sale financial assets to financial assets at FVTPL

     152,067  

Recognition of expected credit losses of debt instruments at FVTOCI

     (4,236

Reclassified of available for sale financial assets (equity securities) to financial assets at FVTOCI

     397,508  

Effect on revaluation of financial assets at amortized cost from loan and receivables or AFS financial assets

     282  

Recognition of expected credit losses of financial assets at amortized cost which were previously loan and receivables

     (240,683

Effect of payment guarantees / unused commitments on liabilities

     (48,548

Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition

     133  

Others

     (4,456

Income tax effect

     (74,482
  

 

 

 

Ending balance (based on IFRS 9)

     15,797,097  
  

 

 

 

 

XML 72 R56.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of risk management [Abstract]  
Maximum exposure to credit risk by customer

 

2)

Maximum exposure to credit risk

The Group’s maximum exposure to credit risk refers to net book value of financial assets net of allowances, which shows the uncertainties of maximum changes of net value of financial assets attributable to a

 

particular risk without considering collateral and other credit enhancements obtained. However, the maximum exposure is the fair value amount (recorded on the books) for derivatives, maximum contractual obligation for payment guarantees and unused commitment.

The maximum exposure to credit risk is as follows (Unit: Korean Won in millions):

 

          June 30, 2018      December 31, 2017  

Loans and other financial assets at amortized cost

   Korean treasury and government agencies      17,912,135        —    
  

Banks

     21,942,788        —    
  

Corporates

     92,333,155        —    
  

Consumers

     145,531,925        —    
     

 

 

    

 

 

 
  

Subtotal

     277,720,003        —    
     

 

 

    

 

 

 

Loans and receivables

   Korean treasury and government agencies      —          8,823,584  
  

Banks

     —          26,845,309  
  

Corporates

     —          90,570,551  
  

Consumers

     —          140,866,760  
     

 

 

    

 

 

 
  

Subtotal

     —          267,106,204  
     

 

 

    

 

 

 

Financial assets at FVTPL (IFRS 9)

   Deposit      24,921        —    
  

Debt securities

     1,993,851        —    
  

Loans and receivables

     336,967        —    
  

Derivative assets

     2,391,211        —    
     

 

 

    

 

 

 
  

Subtotal

     4,746,950        —    
     

 

 

    

 

 

 

Financial assets at FVTPL (IAS 39)

   Deposit      —          25,972  
  

Debt securities

     —          2,644,333  
  

Financial assets designated at FVTPL

     —          9,694  
  

Derivative assets

     —          3,115,775  
     

 

 

    

 

 

 
  

Subtotal

     —          5,795,774  
     

 

 

    

 

 

 

Financial assets at FVTOCI

   Debt securities      13,738,829        —    

AFS financial assets

   Debt securities      —          13,229,244  

Securities at amortized cost

   Debt securities      17,702,129        —    

HTM financial assets

   Debt securities      —          16,749,296  

Derivative assets

   Derivative assets (hedging)      12,395        59,272  

Off-balance accounts

   Guarantees      12,372,573        12,859,715  
   Loan commitments      98,251,006        80,760,325  
     

 

 

    

 

 

 
  

Subtotal

     110,623,579        93,620,040  
     

 

 

    

 

 

 
  

total

     424,543,885        396,559,830  
     

 

 

    

 

 

 

 

Credit risk exposure by geographical areas

 

a)

Credit risk exposure by geographical areas

The following tables analyze credit risk exposure by geographical areas (Unit: Korean Won in millions):

 

    June 30, 2018  
    Korea     China     USA     UK     Japan     Others (*)     Total  

Loans and other financial assets at amortized cost

    258,023,468       4,589,930       4,514,541       1,268,461       400,907       8,922,696       277,720,003  

Securities at amortized cost

    17,531,402       —         64,856       —         —         105,871       17,702,129  

Financial assets at FVTPL

    4,493,256       6,077       —         147,242       —         100,375       4,746,950  

Financial assets at FVTOCI

    12,749,695       50,874       43,352       78,485       2,274       814,149       13,738,829  

Derivative assets

    7,450       —         —         4,945       —         —         12,395  

Off-balance accounts

    108,052,029       928,841       175,050       70,503       31,216       1,365,940       110,623,579  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    400,857,300       5,575,722       4,797,799       1,569,636       434,397       11,309,031       424,543,885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

    December 31, 2017  
    Korea     China     USA     UK     Japan     Others (*)     Total  

Loans and receivables

    250,678,479       4,104,912       2,823,247       1,094,988       381,890       8,022,688       267,106,204  

Financial assets at FVTPL

    5,551,870       2,937       —         148,955       —         92,012       5,795,774  

AFS debt securities

    12,407,602       52,259       151,131       —         —         618,252       13,229,244  

HTM securities

    16,606,692       —         63,732       —         —         78,872       16,749,296  

Derivative assets

    16,590       —         —         42,682       —         —         59,272  

Off-balance accounts

    91,603,852       529,193       172,570       66,974       25,039       1,222,412       93,620,040  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    376,865,085       4,689,301       3,210,680       1,353,599       406,929       10,034,236       396,559,830  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Others consist of financial assets in Indonesia, Hong Kong, Singapore, and other countries.

Credit risk exposure by industries

 

b)

Credit risk exposure by industries

The following tables analyze credit risk exposure by industries, which are service, manufacturing, finance and insurance, construction, individuals and others in accordance with the Korea Standard Industrial Classification Code (Unit: Korean Won in millions):

 

    June 30, 2018  
    Service     Manufacturing     Finance and
insurance
    Construction     Individuals     Others     Total  

Loans and other financial assets at amortized cost

    48,025,922       35,583,702       42,207,115       3,657,220       138,906,711       9,339,333       277,720,003  

Securities at amortized cost

    1,142,178       —         11,516,407       313,936       —         4,729,608       17,702,129  

Financial assets at FVTPL

    97,529       166,054       3,404,674       43,899       3,019       1,031,775       4,746,950  

Financial assets at FVTOCI

    434,389       54,445       9,020,012       214,549       —         4,015,434       13,738,829  

Derivative assets

    —         —         12,395       —         —         —         12,395  

Off-balance accounts

    18,236,857       22,675,034       9,503,718       4,052,757       49,105,163       7,050,050       110,623,579  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    67,936,875       58,479,235       75,664,321       8,282,361       188,014,893       26,166,200       424,543,885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

    December 31, 2017  
    Service     Manufacturing     Finance and
insurance
    Construction     Individuals     Others     Total  

Loans and receivables

    47,192,641       34,502,509       38,260,051       3,574,746       133,094,287       10,481,970       267,106,204  

Financial assets at FVTPL

    100,766       83,239       4,640,068       15,073       1,040       955,588       5,795,774  

AFS debt securities

    707,737       37,719       7,331,774       153,534       —         4,998,480       13,229,244  

HTM securities

    1,348,754       —         10,962,149       296,214       —         4,142,179       16,749,296  

Derivative assets

    —         —         59,272       —         —         —         59,272  

Off-balance accounts

    16,892,926       21,427,378       9,841,379       3,842,479       36,928,554       4,687,324       93,620,040  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    66,242,824       56,050,845       71,094,693       7,882,046       170,023,881       25,265,541       396,559,830  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

Three stages of credit risk deterioration since initial recognition

 

3)

Credit risk exposure

The allowance to be recognized under IFRS 9 is the amount of expected 12-month credit loss or the expected lifetime credit loss, according to the three stages of credit risk deterioration since initial recognition as shown below:

 

     Stage 1      Stage 2    Stage 3
   Credit risk has not significantly
increased since initial recognition (*)
     Credit risk has
significantly increased
since initial
recognition
   Credit has been
impaired

Allowance for expected credit losses

     Expected 12-month credit losses:      Expected lifetime credit losses:
    


Expected credit losses due to
possible defaults on financial
instruments within a 12-month
period from the reporting date.
 
 
 
 
  

Expected credit losses from all possible defaults during the expected lifetime of the financial instruments.

 

(*)

Credit risk may be considered to not have been significantly increased when credit risk is low at the reporting date.

Determining significant increase in credit risk, and the applied methodology

 

At the end of each period the Group evaluates whether there has been a significant increase in the credit risk since initial recognition. The Group is assessing the change in the risk of a default occurring over the expected life of the financial instruments instead of the change in the amount of expected credit losses. The Group distinguishes corporates/consumers exposures when determining significant increase in credit risk, and the applied methodology is as follows:

 

Corporates exposure

  

Consumers exposure

Under precautionary in assets quality

More than 30 days past due

Watch grade in early warning system

Significant change of borrower financial situation (Working capital deficiencies, Adverse opinion, Disclaimer of opinion)

Significant decreases in credit ratings

  

Under precautionary in assets quality

More than 30 days past due

Significant decreases in credit ratings

The maximum exposure to credit risk of financial assets, except for financial assets at FVTPL and derivative asset

 

  a)

Financial assets

The maximum exposure to credit risk, except for financial assets at FVTPL and derivative asset is as follows (Unit: Korean Won in millions):

 

    June 30, 2018  
    Stage 1     Stage 2     Stage 3     Total     Loss
allowance
    Total, net     Collateral
value of
damaged
property
 
    Above
appropriate
credit rating
(*1)
    Less than a
limited
credit rating
(*2)
    Above
appropriate
credit
rating (*1)
    Less than a
limited credit
rating
(*2)
 

Loans and other financial assets at amortized cost

    246,719,865       18,794,529       6,195,331       5,772,369       2,068,664       279,550,758       (1,830,755     277,720,003       789,660  

Korean treasury and government agencies

    17,916,231       —         —         —         —         17,916,231       (4,096     17,912,135       —    

Banks

    21,599,560       83,471       269,742       —         10,905       21,963,678       (20,890     21,942,788       —    

Corporates

    72,113,414       15,745,380       582,857       3,618,576       1,482,948       93,543,175       (1,210,020     92,333,155       555,228  

General business

    42,620,870       6,674,237       510,663       1,681,120       1,231,634       52,718,524       (843,365     51,875,159       405,304  

Small- and medium-sized enterprise

    25,012,286       8,491,759       72,194       1,766,232       222,804       35,565,275       (327,323     35,237,952       130,181  

Project financing and others

    4,480,258       579,384       —         171,224       28,510       5,259,376       (39,332     5,220,044       19,743  

 

    June 30, 2018  
    Stage 1     Stage 2     Stage 3     Total     Loss
allowance
    Total, net     Collateral
value of
damaged
property
 
    Above
appropriate
credit rating
(*1)
    Less than a
limited
credit rating
(*2)
    Above
appropriate
credit
rating (*1)
    Less than a
limited credit
rating
(*2)
 

Consumers

    135,090,660       2,965,678       5,342,732       2,153,793       574,811       146,127,674       (595,749     145,531,925       234,432  

Securities at amortized cost

    17,707,379       —         —         —         —         17,707,379       (5,250     17,702,129       —    

Financial assets at FVTOCI (*3)

    13,675,528       48,126       15,175       —         —         13,738,829       (4,670     13,738,829       —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    278,102,772       18,842,655       6,210,506       5,772,369       2,068,664       310,996,966       (1,840,675     309,160,961       789,660  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.

(*2)

Credit grade of corporates are BBB- ~ C, and consumers are grades 7 ~ 10.

(*3)

Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease.

The maximum exposure to credit risk of loans and receivables

 

-

Loans and receivables

 

    December 31, 2017  
              Corporates              
  Korean
treasury and
government
agencies
    Banks     General
business
    Small and
medium sized
enterprise
    Project
financing
and others
    Subtotal     Consumers     Total  

Loans and receivables neither overdue nor impaired

    8,825,767       26,861,286       50,463,112       34,107,547       5,547,950       90,118,609       139,886,407       265,692,069  

Loans and receivables overdue but not impaired

    8       —         65,616       63,067       —         128,683       878,406       1,007,097  

Impaired loans and receivables

    —         —         1,402,131       251,431       46,717       1,700,279       537,001       2,237,280  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    8,825,775       26,861,286       51,930,859       34,422,045       5,594,667       91,947,571       141,301,814       268,936,446  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Allowance for credit losses

    2,191       15,977       1,078,733       267,162       31,125       1,377,020       435,054       1,830,242  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total, net

    8,823,584       26,845,309       50,852,126       34,154,883       5,563,542       90,570,551       140,866,760       267,106,204  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

Credit soundness of debt securities

 

-

Debt securities

The Group manages debt securities based on the external credit rating. Credit soundness of debt securities on the basis of External Credit Assessment Institution (ECAI)’s rating is as follows (Unit: Korean Won in millions):

 

     December 31, 2017  
     Financial assets at
FVTPL (*)
     AFS debt
securities
     HTM securities      Total  

AAA

     1,685,099        9,897,689        15,806,327        27,389,115  

AA- ~ AA+

     722,923        2,386,567        888,547        3,998,037  

BBB- ~ A+

     236,311        876,482        52,188        1,164,981  

Below BBB-

     9,694        68,506        2,234        80,434  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,654,027        13,229,244        16,749,296        32,632,567  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Financial assets at FVTPL comprise debt securities held for trading and financial assets designated at FVTPL

Credit quality of guarantees and loan commitments

 

b)

Guarantees and loan commitments

The credit quality of the guarantees and loan commitments as of June 30, 2018 as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Financial assets

   Stage 1      Stage 2      Stage 3      Total  
   Above
appropriate
credit rating
(*1)
     Less than a
limited
credit rating
(*2)
     Above
appropriate
credit rating
(*1)
     Less than a
limited
credit rating
(*2)
 

Off-balance accounts Guarantees

     10,684,154        1,104,097        12,464        390,253        181,605        12,372,573  

Loan commitments

     92,335,107        3,717,790        1,455,884        740,283        1,942        98,251,006  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     103,019,261        4,821,887        1,468,348        1,130,536        183,547        110,623,579  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.

(*2)

Credit grade of corporate are BBB- ~ C, and consumers are grades 7 ~ 10.

Value at risk analysis for trading activities

 

a)

Trading activities

The minimum, maximum and average VaR for the six months ended June 30, 2018 and for the year ended December 31, 2017, respectively, and the VaR as of June 30, 2018 and December 31, 2017, respectively, are as follows (Unit: Korean Won in millions):

 

    As of
June 30,
2018
    For the six months ended
June 30, 2018
    As of
December 31,
2017
    For the year ended
December 31, 2017
 

Risk factor

  Average     Maximum     Minimum     Average     Maximum     Minimum  

Interest rate

    2,179       3,787       4,992       1,730       4,183       3,799       4,918       2,467  

Stock price

    2,872       2,524       4,618       1,138       909       2,863       4,419       909  

Foreign currencies

    4,224       4,853       6,136       3,695       4,750       5,051       6,636       4,061  

Commodity price

    2       1       4       —         —         31       188       —    

Diversification

    (4,095     (4,745     (7,136     (1,749     (4,472     (4,621     (6,798     (2,067
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total VaR(*)

    5,182       6,420       8,614       4,814       5,370       7,123       9,363       5,370  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

VaR : Maximum losses

Net interest income and net portfolio value analysis according to interest changing scenario for assets and liabilities held by the bank

 

b)

Non-trading activities

The NII and NPV are calculated for the assets and liabilities owned by the Bank and consolidated trusts, respectively, by using the simulation method. The scenario responding to interest rate (“IR”) changes are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  
   NII(*1)      NPV(*2)      NII(*1)      NPV(*2)  

Base case

     4,497,407        23,856,916        4,916,138        23,472,792  

Base case (Prepay)

     4,491,363        23,546,002        4,916,015        23,163,942  

IR 100bp up

     5,022,303        23,803,250        5,361,546        22,886,122  

IR 100bp down

     4,051,601        23,933,844        4,386,437        24,127,559  

IR 200bp up

     5,992,145        23,766,488        5,806,723        22,372,208  

IR 200bp down

     3,672,050        24,043,703        3,452,590        24,830,482  

IR 300bp up

     6,848,435        23,742,304        6,251,897        21,929,189  

IR 300bp down

     3,527,210        24,201,770        2,254,609        26,633,807  

 

(*1)

NII: Net Interest Income

(*2)

NPV: Net Portfolio Value

Interest earning at risk and interest value at risk based on BIS framework for subsidiaries other than bank

 

The interest EaR and VaR calculated based on the BIS Framework of subsidiaries other than the Bank and consolidated trusts are as follows (Unit: Korean Won in millions):

 

June 30, 2018

 

December 31, 2017

EaR (*1)

 

VaR (*2)

 

EaR (*1)

 

VaR (*2)

209,621   148,818   255,679   130,821

 

(*1)

EaR: Earning at Risk

(*2)

VaR: Value at Risk

Cash flows of principal amounts and interests from interest bearing assets and liabilities by re-pricing date

 

The Group estimates and manages risks related to changes in interest rate due to the difference in the maturities of interest-bearing assets and liabilities and discrepancies in the terms of interest rates. Cash flows (both principal and interest) from non-trading, interest bearing assets and liabilities, presented by each re-pricing date, are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Asset:

                    

Loans and other financial assets at amortized cost

     148,324,408        41,273,662        9,372,945        8,650,081        47,212,644        4,314,787        259,148,527  

Financial assets at FVTOCI

     6,771,707        3,243,204        1,902,718        1,637,346        5,246,163        180,998        18,982,136  

Securities at amortized cost

     2,350,831        1,983,421        1,725,286        2,005,103        9,955,809        350,744        18,371,194  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     157,446,946        46,500,287        13,000,949        12,292,530        62,414,616        4,846,529        296,501,857  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Liability:

                    

Deposits due to customers

     101,367,145        48,458,377        29,955,015        19,029,698        38,912,199        296,042        238,018,476  

Borrowings

     9,390,749        2,020,828        859,698        513,068        2,823,334        523,418        16,131,095  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,625,611        2,727,547        28,724,866  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     111,737,115        52,280,354        32,998,172        21,950,645        60,361,144        3,547,007        282,874,437  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Asset:

                    

Loans and receivables

     161,653,892        41,671,530        7,614,159        6,411,841        54,150,998        26,272,958        297,775,378  

AFS financial assets

     2,150,708        2,500,103        2,016,711        2,367,762        4,229,000        601,735        13,866,019  

HTM financial assets

     2,286,179        2,161,467        1,433,425        1,687,362        9,369,794        345,868        17,284,095  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     166,090,779        46,333,100        11,064,295        10,466,965        67,749,792        27,220,561        328,925,492  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Liability:

                    

Deposits due to customers

     106,815,564        37,750,367        25,117,556        27,585,458        37,518,878        91,246        234,879,069  

Borrowings

     9,865,249        1,056,579        412,966        437,431        2,709,010        479,827        14,961,062  

Debentures

     1,955,902        2,452,240        1,018,563        1,752,847        19,770,538        2,869,766        29,819,856  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     118,636,715        41,259,186        26,549,085        29,775,736        59,998,426        3,440,839        279,659,987  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

Foreign currency risk exposure of financial instruments in foreign currency

 

3)

Currency risk

Currency risk arises from the financial instruments denominated in foreign currencies other than the functional currency. Therefore, no currency risk arises from non-monetary items or financial instruments denominated in the functional currency.

 

Financial instruments in foreign currencies exposed to currency risk are as follows (Unit: USD in millions, JPY in millions, CNY in millions, EUR in millions, and Korean Won in millions):

 

    June 30, 2018  
        USD     JPY     CNY     EUR     Others     Total  
        Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Korean
Won
equivalent
    Korean
Won
equivalent
 

Asset

 

Loans and other financial assets at amortized cost

    24,664       27,694,163       135,138       1,371,362       31,972       5,416,294       1,172       1,520,044       4,472,890       40,474,753  
 

Financial assets at FVTPL

    84       94,261       359       3,645       —         —         36       46,488       75,122       219,516  
 

Financial assets at FVTOCI

    1,726       1,936,385       —         —         300       50,874       —         —         338,214       2,325,473  
 

Securities at amortized cost

    115       129,245       —         —         —         —         —         —         105,949       235,194  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    26,589       29,854,054       135,497       1,375,007       32,272       5,467,168       1,208       1,566,532       4,992,175       43,254,936  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Liability

 

Financial liabilities at FVTPL

    63       70,963       505       5,127       —         —         33       43,070       102,226       221,386  
 

Deposits due to customer

    11,160       12,517,349       145,058       1,472,035       21,633       3,664,842       1,230       1,595,651       2,700,164       21,950,041  
 

Borrowings

    6,417       7,201,536       2,211       22,438       —         —         232       303,001       476,871       8,003,846  
 

Debentures

    3,708       4,159,175       —         —         —         —         —         —         284,293       4,443,468  
 

Other financial liabilities

    3,240       3,633,942       23,541       238,890       5,568       943,321       140       182,002       4,602       5,002,757  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    24,588       27,582,965       171,315       1,738,490       27,201       4,608,163       1,635       2,123,724       3,568,156       39,621,498  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Off-balance accounts

    6,374       7,149,273       32,887       333,730       4,804       813,812       453       587,615       827,004       9,711,434  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    December 31, 2017  
        USD     JPY     CNY     EUR     Others     Total  
        Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Foreign
currency
    Korean
Won
equivalent
    Korean
Won
equivalent
    Korean
Won
equivalent
 

Asset

 

Loans and receivables

    23,000       24,642,900       126,944       1,204,843       25,224       4,127,936       1,156       1,479,351       3,937,733       35,392,763  
 

Financial assets at FVTPL

    32       34,303       25       238       —         —         27       34,583       104,892       174,016  
 

AFS financial assets

    1,966       2,105,972       —         —         319       52,259       —         590       302,801       2,461,622  
 

HTM financial assets

    111       118,868       —         —         —         —         —         —         78,175       197,043  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    25,109       26,902,043       126,969       1,205,081       25,543       4,180,195       1,183       1,514,524       4,423,601       38,225,444  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Liability

 

Financial liabilities at FVTPL

    41       43,423       79       752       —         —         19       24,878       69,977       139,030  
 

Deposits due to customer

    13,744       14,725,686       195,176       1,852,440       21,865       3,578,142       883       1,129,802       2,396,826       23,682,896  
 

Borrowings

    6,604       7,080,118       2,218       21,056       —         —         247       315,685       242,874       7,659,733  
 

Debentures

    3,467       3,714,411       —         —         700       114,555       —         —         375,749       4,204,715  
 

Other financial liabilities

    2,392       2,562,740       16,125       153,043       1,802       294,950       129       165,189       588,625       3,764,547  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    26,248       28,126,378       213,598       2,027,291       24,367       3,987,647       1,278       1,635,554       3,674,051       39,450,921  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Off-balance accounts

    8,108       8,687,009       33,624       319,127       1,199       196,261       406       519,843       176,886       9,899,126  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

Cash flow from principal and interest payments of non-derivative financial liabilities by remaining contractual maturities

 

a)

Cash flows of principals and interests by remaining contractual maturities of non-derivative financial liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over
5 years
     Total  

Financial liabilities at FVTPL

     176,097        —          —          —          —          —          176,097  

Deposits due to customers

     145,033,422        38,505,386        22,976,591        24,574,059        7,487,432        2,144,802        240,721,692  

Borrowings

     6,407,137        2,639,064        1,876,893        1,478,115        3,238,353        545,403        16,184,965  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,626,696        2,726,462        28,724,866  

Other financial liabilities

     14,098,508        216,627        3,644        908        621,127        1,955,992        16,896,806  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     166,694,385        43,162,226        27,040,587        28,460,961        29,973,608        7,372,659        302,704,426  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over
5 years
     Total  

Financial liabilities at FVTPL

     168,442        155,984        1,717        512        375        —          327,030  

Deposits due to customers

     148,008,777        29,563,310        18,175,348        32,468,110        7,409,118        2,624,594        238,249,257  

Borrowings

     6,115,732        1,893,173        1,489,272        1,178,107        3,924,681        479,568        15,080,533  

Debentures

     1,955,255        2,452,565        1,018,714        1,744,731        19,770,380        2,869,699        29,811,344  

Other financial liabilities

     7,121,342        162,871        825        1,003        128,940        2,730,001        10,144,982  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     163,369,548        34,227,903        20,685,876        35,392,463        31,233,494        8,703,862        293,613,146  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

Cash flow from principal and interest payments of non-derivative financial liabilities by estimated redemption or withdrawal

 

b)

Cash flows of principals and interests by expected maturities of non-derivative financial liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Financial liabilities at FVTPL

     176,097        —          —          —          —          —          176,097  

Deposits due to customers

     154,934,637        40,340,567        20,220,152        18,154,029        6,115,894        348,774        240,114,053  

Borrowings

     6,407,137        2,639,064        1,876,893        1,478,115        3,242,839        540,917        16,184,965  

Debentures

     979,221        1,801,149        2,183,459        2,407,879        18,626,696        2,726,462        28,724,866  

Other financial liabilities

     14,098,508        216,627        3,644        908        621,127        1,955,992        16,896,806  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     176,595,600        44,997,407        24,284,148        22,040,931        28,606,556        5,572,145        302,096,787  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

Financial liabilities at FVTPL

     168,442        155,984        1,717        512        375        —          327,030  

Deposits due to customers

     159,146,602        31,298,562        16,667,130        21,995,294        6,487,047        2,278,756        237,873,391  

Borrowings

     6,115,732        1,893,173        1,489,272        1,178,107        3,924,681        479,568        15,080,533  

Debentures

     1,955,255        2,452,565        1,018,714        1,744,731        19,770,380        2,869,699        29,811,344  

Other financial liabilities

     7,121,342        162,871        825        1,003        128,940        2,730,001        10,144,982  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     174,507,373        35,963,155        19,177,658        24,919,647        30,311,423        8,358,024        293,237,280  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

Cash flow of derivative financial liabilities by maturities

 

The cash flow by the maturity of derivative financial liabilities as of June 30, 2018 and December 31, 2017 is as follows (Unit: Korean Won in millions):

 

     Remaining maturity  
     Within 3
months
     4 to 6
months
     7 to 9
months
     10 to 12
months
     1 to 5
years
     Over 5
years
     Total  

June 30, 2018

     2,377,750        2,130        —          —          59,820        5,555        2,445,255  

December 31, 2017

     3,150,149        —          —          381        67,373        —          3,217,903  
Maturity analysis of off-balance accounts

 

4)

Maturity analysis of off-balance accounts

The Group provides guarantees on behalf of customers. A financial guarantee represents an irrevocable undertaking that the Group should meet a customer’s obligations to third parties if the customer fails to do so. Under a loan commitment, the Group agrees to make funds available to a customer in the future. Loan commitments that are usually for a specified term may persist or may be unconditionally cancellable, provided all conditions in the loan facility are satisfied or waived. Commitments to lend include commercial standby facilities and credit lines, liquidity facilities to commercial paper conduits and utilized overdraft facilities. The maximum limit to be paid by the Group in accordance with guarantees and loan commitment only applies to principal amounts. There are contractual maturities for financial guarantees, such as guarantees for debentures issued or loans, loan commitments, and other guarantees, however, under the terms of the guarantees and loan commitments, funds should be paid upon demand from the counterparty. Details of off-balance accounts are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Guarantees

     12,372,573        12,859,715  

Loan commitments

     98,251,005        80,760,325  
Capital Ratio

 

Details of the Group’s capital adequacy ratio as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018 (*)     December 31, 2017  

Tier 1 capital

     16,952,436       16,074,987  

Other Tier 1 capital

     2,748,005       3,041,664  

Tier 2 capital

     3,499,122       3,486,555  
  

 

 

   

 

 

 

Total risk-adjusted capital

     23,199,563       22,603,206  
  

 

 

   

 

 

 

Risk-weighted assets for credit risk

     139,868,803       134,767,711  

Risk-weighted assets for market risk

     2,292,979       2,316,938  

Risk-weighted assets for operational risk

     9,826,809       9,677,559  
  

 

 

   

 

 

 

Total risk-weighted assets

     151,988,591       146,762,208  
  

 

 

   

 

 

 

Common Equity Tier 1 ratio

     11.15     10.95
  

 

 

   

 

 

 

Tier 1 capital ratio

     12.96     13.03
  

 

 

   

 

 

 

Total capital ratio

     15.26     15.40
  

 

 

   

 

 

 

 

(*)

Capital adequacy ratio as of June 30, 2018 is tentatively measured.

XML 73 R57.htm IDEA: XBRL DOCUMENT v3.10.0.1
Operating Segments (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of operating segments [Abstract]  
Reconciliation of Operating Profit (Loss) from Segments to Consolidated

 

The details of operating income by each segment are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit cards     Headquarters
and others
    Subtotal     Adjustments     Total  

Net Interest income

                 

Interest income

    1,703,521       1,638,747       74,670       5,687       323,443       747,596       4,493,664       149,752       4,643,416  

Interest expense

    (499,830     (994,523     (92     —         (75,716     (458,733     (2,028,894     149,952       (1,878,942

Inter-segment

    (274,405     323,139       (77,656     10,259       —         18,663       —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    929,286       967,363       (3,078     15,946       247,727       307,526       2,464,770       299,704       2,764,474  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net non-interest income

                 

Non-interest income

    405,145       432,262       137,031       4,765,167       605,165       516,766       6,861,536       (236,269     6,625,267  

Non-interest expense

    (127,357     (183,814     (40,188     (4,725,584     (562,210     (218,710     (5,857,863     (182,141     (6,040,004

Inter-segment

    78,522       36,407       —         —         —         (114,929     —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    356,310       284,855       96,843       39,583       42,955       183,127       1,003,673       (418,410     585,263  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Other income (expense) Administrative expense

    (875,328     (403,216     (5,689     (7,852     (83,575     (327,244     (1,702,904     135,566       (1,567,338

Reversal of allowance for credit loss and impairment losses due to credit loss

    (53,008     109,283       52,244       (3,268     (113,960     62,729       54,020       (28,704     25,316  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    (928,336     (293,933     46,555       (11,120     (197,535     (264,515     (1,648,884     106,862       (1,542,022
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating income (expenses)

    357,260       958,285       140,320       44,409       93,147       226,138       1,819,559       (11,844     1,807,715  

Non-operating income (expenses)

    (9,889     671       17,411       —         (2,988     17,615       22,820       (29,003     (6,183

Net income before income tax expense

    347,371       958,956       157,731       44,409       90,159       243,753       1,842,379       (40,847     1,801,532  

Income tax expense

    (95,528     (260,186     (43,377     (12,212     (22,541     (52,320     (486,164     948       (485,216
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    251,843       698,770       114,354       32,197       67,618       191,433       1,356,215       (39,899     1,316,316  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    For the six months ended June 30, 2017  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit cards     Headquarters
and others
    Subtotal     Adjustments     Total  

Net Interest income

                 

Interest income

    1,539,729       1,456,198       72,232       8,938       288,648       668,644       4,034,389       155,195       4,189,584  

Interest expense

    (480,814     (818,422     (126     —         (65,600     (411,449     (1,776,411     137,147       (1,639,264

Inter-segment

    (248,116     229,029       (66,693     8,324       —         77,456       —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    810,799       866,805       5,413       17,262       223,048       334,651       2,257,978       292,342       2,550,320  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net non-interest income

                 

Non-interest income

    424,214       333,646       212,107       4,991,598       566,107       1,129,696       7,657,368       (126,727     7,530,641  

Non-interest expense

    (146,630     (82,261     (121,238     (4,968,840     (520,469     (862,571     (6,702,009     (240,504     (6,942,513

Inter-segment

    45,402       29,680       —         —         —         (75,082     —         —         —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    322,986       281,065       90,869       22,758       45,638       192,043       955,359       (367,231     588,128  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

    For the six months ended June 30, 2017  
    Consumer
banking
    Corporate
banking
    Investment
banking
    Capital
market
    Credit
cards
    Headquarters
and others
    Subtotal     Adjustments     Total  

Other income (expense)

                 

General and administrative expense

    (869,732     (402,661     (5,696     (7,721     (77,909     (298,578     (1,662,297     123,870       (1,538,427

Reversal of allowance for credit loss and impairment losses due to credit loss

    (45,964     (128,685     31,311       22,135       (106,698     152,836       (75,065     (40,728     (115,793
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    (915,696     (531,346     25,615       14,414       (184,607     (145,742     (1,737,362     83,142       (1,654,220
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Operating income

    218,089       616,524       121,897       54,434       84,079       380,952       1,475,975       8,253       1,484,228  

Non-operating income (expense)

    8,862       (3,122     22,581       —         (2,399     (26,180     (258     (54,022     (54,280
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income before income tax expense

    226,951       613,402       144,478       54,434       81,680       354,772       1,475,717       (45,769     1,429,948  

Income tax expense

    (54,923     (139,138     (34,964     (13,173     (19,816     (50,841     (312,855     (8,078     (320,933
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income

    172,028       474,264       109,514       41,261       61,864       303,931       1,162,862       (53,847     1,109,015  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
XML 74 R58.htm IDEA: XBRL DOCUMENT v3.10.0.1
Cash and cash equivalents (Tables)
6 Months Ended
Jun. 30, 2018
Cash and cash equivalents [Abstract]  
Schedule of Cash and Cash Equivalents

 

(1)

Details of cash and cash equivalents are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Cash

     1,889,739        2,009,363  

Foreign currencies

     795,692        617,155  

Demand deposits

     2,777,874        3,423,355  

Fixed deposits

     457,263        858,413  
  

 

 

    

 

 

 

Total

     5,920,568        6,908,286  
  

 

 

    

 

 

 

 

Schedule of Other Significant Noncash Transactions

 

(2)

Significant transactions of investing activities and financing activities not involving cash inflows and outflows are as follows (Unit: Korean Won in millions):

 

     For the
six months
ended
June 30, 2018
     For the
six months
ended
June 30, 2017
 

Changes in other comprehensive gain due to remeasurement of financial assets designated at FVTOCI

     41,452        —    

Changes in other comprehensive loss due to valuation of AFS financial assets

     —          (28,706

Changes in other comprehensive income of investment in associates

     1,210        1,507  

Changes in other comprehensive gain (loss) of foreign operations translation

     35,526        (69,010

Changes in other comprehensive loss related to valuation of cash flow hedging

     (6,213      (1,526

Changes in other comprehensive loss due to remeasurement of the net defined benefit liability

     (59,573      (9,677

Changes in investments in associates due to debt-equity swap

     —          51,405  

Changes in investments in associates due to accounts transfer

     (5,865      (16,354

Changes in accrued dividends of hybrid equity securities

     (80      (9,804

Changes in intangible assets related to accounts payable

     32,369        (8,506

Classified to assets held for sale from premises and equipment

     6,050        2,184  
XML 75 R59.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at fair value through profit or loss (Tables)
6 Months Ended
Jun. 30, 2018
Financial assets at fair value through profit or loss [Abstract]  
Financial assets at fair value through profit or loss

 

(1)

Financial assets at FVTPL are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Financial assets at fair value through profit or loss mandatorily measured at fair value

     6,340,704        —    

Financial assets held for trading

     —          5,820,787  

Financial assets designated at FVTPL

     —          22,290  
  

 

 

    

 

 

 

Total

     6,340,704        5,843,077  
  

 

 

    

 

 

 

 

Financial assets at fair value through profit or loss and financial assets held for trading

 

(2)

Financial assets at fair value through profit or loss mandatorily measured at fair value and financial assets held for trading are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits:

     

Gold banking asset

     24,921        25,972  

Securities:

     

Debt securities

     

Korean treasury and government agencies

     639,476        540,438  

Financial institutions

     639,711        1,476,498  

Corporates

     714,508        627,397  

Others

     156        —    

 

     June 30, 2018      December 31, 2017  

Equity securities

     433,316        21,666  

Capital contributions

     349,470        —    

Beneficiary certificates

     810,968        13,041  
  

 

 

    

 

 

 

Subtotal

     3,587,605        2,679,040  
  

 

 

    

 

 

 

Loans

     336,967        —    

Derivatives assets

     2,391,211        3,115,775  
  

 

 

    

 

 

 

Total

     6,340,704        5,820,787  
  

 

 

    

 

 

 

 

Financial assets designated at fair value through profit or loss

 

(3)

Financial assets at fair value through profit or loss designated as upon initial recognition as of June 30, 2018 and financial assets at fair value through profit or loss designated as upon initial recognition as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     December 31, 2017  

Debt securities

     9,694  

Equity securities

     12,596  
  

 

 

 

Total

     22,290  
  

 

 

 

XML 76 R60.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at fair value through other comprehensive income and available-for-sale financial assets (Tables)
6 Months Ended
Jun. 30, 2018
Financial assets at fair falue through other comprehensive income and available-for-sale financial assets [Abstract]  
Details of financial assets at fair value through other comprehensive income and available for sale financial assets

 

(1)

Details of financial assets at FVTOCI as of June 30, 2018 and AFS financial assets as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Debt securities:

     

Korean treasury and government agencies

     2,195,526        2,330,567  

Financial institutions

     7,370,107        5,217,266  

Corporates

     1,797,635        2,725,232  

Asset-backed securities

     —          308,181  

Bond denominated in foreign currencies

     2,325,422        2,442,579  

Others

     —          35,163  
  

 

 

    

 

 

 

Subtotal

     13,688,690        13,058,988  
  

 

 

    

 

 

 

Equity securities

     905,779        1,411,078  

Beneficiary certificates

     —          712,628  

Securities loaned

     50,139        170,256  
  

 

 

    

 

 

 

Total

     14,644,608        15,352,950  
  

 

 

    

 

 

 

 

Details of equity securities designated as financial assets at fair value through other comprehensive income

 

(2)

Details of equity securities designated as financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Purpose of acquisition

   Fair value  

Strategic business partnership

     737,104  

Debt-equity swap

     168,533  

Others(*)

     142  
  

 

 

 

Total

     905,779  
  

 

 

 

 

(*)

Cooperate insurance, etc.

Changes in loss allowance and gross carrying amount of financial assets at fair value through other comprehensive income

 

1) Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3      Total  

Beginning balance (*1)

     (4,107     (129     —          (4,236

Transfer to 12-month expected credit losses

     —         —         —          —    

Transfer to lifetime expected credit losses

     —         —         —          —    

Transfer to credit-impaired financial assets

     —         —         —          —    

Net reversal (provision) of loss allowance

     (562     103       —          (459

Disposal

     27       —         —          27  

Others (*2)

     (2     —         —          (2
  

 

 

   

 

 

   

 

 

    

 

 

 

Ending balance

     (4,644     (26     —          (4,670
  

 

 

   

 

 

   

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation, etc.

Changes in gross carrying amount of financial assets at fair value through other comprehensive income

 

2) Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3      Total  

Beginning balance

     12,843,997       30,212       —          12,874,209  

Transfer to 12-month expected credit losses

     —         —         —          —    

Transfer to lifetime expected credit losses

     —         —         —          —    

Transfer to credit-impaired financial assets

     —         —         —          —    

Acquisition

     5,075,597       —         —          5,075,597  

Disposal

     (4,294,135     (15,047     —          (4,309,182

Gain (loss) on valuation

     12,874       10       —          12,884  

Amortization on the effective interest method

     (2,289     —         —          (2,289

Others (*)

     87,610       —         —          87,610  
  

 

 

   

 

 

   

 

 

    

 

 

 

Ending balance

     13,723,654       15,175       —          13,738,829  
  

 

 

   

 

 

   

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation, etc.

XML 77 R61.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities at amortized cost and Held to maturity financial assets (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of securities at amortized cost and held to maturity financial assets [Abstract]  
Details of securities at amortized cost and held to maturity financial assets

 

(1)

Details of securities at amortized cost as of June 30, 2018 and HTM financial assets as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Korean treasury and government agencies

     4,630,598        3,994,857  

Financial institutions

     7,767,490        7,245,426  

Corporates

     5,074,097        5,311,970  

Bond denominated in foreign currencies

     235,194        197,043  

Loss allowance

     (5,250      —    
  

 

 

    

 

 

 

Total

     17,702,129        16,749,296  
  

 

 

    

 

 

 

 

Changes in loss allowance and gross carrying amount of securities at amortized cost

 

1) Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2      Stage 3      Total  

Beginning balance (*1)

     (5,078     —          —          (5,078

Transfer to 12-month expected credit losses

     —         —          —          —    

Transfer to lifetime expected credit losses

     —         —          —          —    

Transfer to credit-impaired financial assets

     —         —          —          —    

Net provision of loss allowance

     (191     —          —          (191

Disposal

     22       —          —          22  

Others (*2)

     (3     —          —          (3
  

 

 

   

 

 

    

 

 

    

 

 

 

Ending balance

     (5,250     —          —          (5,250
  

 

 

   

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation, etc.

Changes in loss allowance and gross carrying amount of securities at amortized cost

 

2) Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2      Stage 3      Total  

Beginning balance

     16,749,296       —          —          16,749,296  

Transfer to 12-month expected credit losses

     —         —          —          —    

Transfer to lifetime expected credit losses

     —         —          —          —    

Transfer to credit-impaired financial assets

     —         —          —          —    

Acquisition

     5,829,462       —          —          5,829,462  

Disposal / Redemption

     (4,873,896     —          —          (4,873,896

Amortization on the effective interest method

     (6,008     —          —          (6,008

Others (*)

     8,525       —          —          8,525  
  

 

 

   

 

 

    

 

 

    

 

 

 

Ending balance

     17,707,379       —          —          17,707,379  
  

 

 

   

 

 

    

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation, etc.

XML 78 R62.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost and loans and receivables (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of loans and receivables [Abstract]  
Details of loans and other financial assets at amortized cost and loans and receivables

 

(1)

Details of loans and other financial assets at amortized cost as of June 30, 2018 and loans and receivables as of December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Due from banks

     17,770,356        8,868,378  

Loans

     248,794,014        251,523,301  

Other financial assets (other receivables)

     11,155,633        6,714,525  
  

 

 

    

 

 

 

Total

     277,720,003        267,106,204  
  

 

 

    

 

 

 

 

Details of due from banks

 

(2)

Details of due from banks are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Due from banks in local currency:

     

Due from The Bank of Korea (“BOK”)

     14,500,746        6,246,496  

Due from depository banks

     90,003        30,003  

Due from non-depository institutions

     33        150  

Due from the Korea Exchange

     —          50,000  

Others

     68,132        97,365  

Loss allowance

     (3,475      (1,541
  

 

 

    

 

 

 

Subtotal

     14,655,439        6,422,473  
  

 

 

    

 

 

 

Due from banks in foreign currencies:

     

Due from banks on demand

     1,055,513        794,353  

Due from banks on time

     1,237,312        972,915  

Others

     824,229        679,554  

Loss allowance

     (2,137      (917
  

 

 

    

 

 

 

Subtotal

     3,114,917        2,445,905  
  

 

 

    

 

 

 

Total

     17,770,356        8,868,378  
  

 

 

    

 

 

 

 

Details of restricted due from banks

 

(3)

Details of restricted due from banks are as follows (Unit: Korean Won in millions):

 

   

Counterparty

  June 30, 2018    

Reason of restriction

Due from banks in local currency:

   

Due from BOK

 

The BOK

    14,500,746     Reserve deposits under the BOK Act

Others

 

The Korea Exchange and others

    64,150     Central counterparty KRW margin and others
   

 

 

   

Subtotal

    14,564,896    
 

 

 

   
Due from banks in foreign currencies:    

Due from banks on demand

 

The BOK and others

    1,048,609     Reserve deposits under the BOK Act and others

Others

 

The People’s Bank of China and others

    824,229     Reserve deposits and others

Due from banks on time

 

National Bank of Cambodia

    56    

Fast And Secure Transfer

(Payment system)

   

 

 

   

Subtotal

    1,872,894    
 

 

 

   

Total

    16,437,790    
 

 

 

   
   

Counterparty

  December 31, 2017    

Reason of restriction

Due from banks in local currency:

   

Due from BOK

 

The BOK

    6,246,496    

Reserve deposits

under the BOK Act

Others

 

The Korea Exchange and others

    94,394     Central counterparty KRW margin and others
   

 

 

   

Subtotal

    6,340,890    
 

 

 

   

 

   

Counterparty

  December 31, 2017    

Reason of restriction

Due from banks in foreign currencies:

   

Due from banks on demand

  The BOK and others     787,520     Reserve deposits under the BOK Act and others

Others

  The People’s Bank of China and others     367,108     Reserve deposits and others
   

 

 

   

Subtotal

    1,154,628    
 

 

 

   

Total

    7,495,518    
 

 

 

   

 

Changes in loss allowance of due from banks

 

1)

Loss allowance

 

     For the six months ended June 30, 2018  
     Stage 1      Stage 2      Stage 3      Total  

Beginning balance (*1)

     (3,092      —          —          (3,092

Transfer to 12-month expected credit losses

     —          —          —          —    

Transfer to lifetime expected credit losses

     —          —          —          —    

Transfer to credit-impaired financial assets

     —          —          —          —    

Net provision of loss allowance

     (2,500      —          —          (2,500

Others (*2)

     (20      —          —          (20
  

 

 

    

 

 

    

 

 

    

 

 

 

Ending balance

     (5,612      —          —          (5,612
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of foreign currencies translation and etc.

 

Changes in gross carrying amount of due from banks

 

2)

Gross carrying amount

 

     For the six months ended June 30, 2018  
     Stage 1      Stage 2      Stage 3      Total  

Beginning balance

     8,870,835        —          —          8,870,835  

Transfer to 12-month expected credit losses

     —          —          —          —    

Transfer to lifetime expected credit losses

     —          —          —          —    

Transfer to credit-impaired financial assets

     —          —          —          —    

Net increase

     8,855,041        —          —          8,855,041  

Others (*)

     50,092        —          —          50,092  
  

 

 

    

 

 

    

 

 

    

 

 

 

Ending balance

     17,775,968        —          —          17,775,968  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Others consist of foreign currencies translation and etc.

Details of loans

 

(5)

Details of loans are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Loans in local currency

     204,830,133        200,213,230  

Loans in foreign currencies

     14,731,407        13,147,888  

Domestic banker’s letter of credit

     3,074,011        2,516,907  

Credit card accounts

     7,570,281        6,827,295  

Bills bought in foreign currencies

     6,830,374        8,197,159  

Bills bought in local currency

     257,405        334,714  

Factoring receivables

     61,382        137,523  

 

     June 30, 2018      December 31, 2017  

Advances for customers on guarantees

     14,910        23,620  

Private placement bonds

     433,591        362,319  

Securitized loans

     1,228,212        563,152  

Call loans

     3,135,670        3,003,455  

Bonds purchased under resale agreements

     6,999,881        16,859,064  

Loan origination costs and fees

     545,864        510,860  

Others

     836,266        607,325  

Discounted present value

     (5,068      (10,988

Loss allowance

     (1,750,305      (1,770,222
  

 

 

    

 

 

 

Total

     248,794,014        251,523,301  
  

 

 

    

 

 

 

 

Changes in loss allowance of loans

 

(6)

Changes in the loss allowance on loans for the six months ended June 30, 2018 are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Consumers     Corporates  
    Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance (*1)

    (101,479     (41,358     (117,168     (365,246     (255,926     (905,243

Transfer to 12-month expected credit losses

    (9,219     8,797       421       (20,913     20,634       280  

Transfer to lifetime expected credit losses

    6,076       (7,514     1,438       17,263       (106,963     89,700  

Transfer to credit-impaired financial assets

    19,177       23,228       (42,406     2,976       12,016       (14,991

Net reversal (provision) of loss allowance

    (22,903     (29,025     (51,219     (5,600     30,121       154,111  

Recoveries of loans previously charged off

    —         —         (23,392     —         —         (52,273

Charge-off

    —         —         117,228       —         —         121,847  

Disposal

    —         —         780       —         67       17,676  

Unwinding effect

    —         —         3,665       —         —         12,961  

Others (*2)

    (1,994     (39     (1,156     23,916       (87     (312
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

    (110,342     (45,911     (111,809     (347,604     (300,138     (576,244
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    For the six months ended June 30, 2018  
    Credit card accounts     Sub-total  
    Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance (*1)

    (57,134     (71,463     (102,858     (523,859     (368,747     (1,125,269

Transfer to 12-month expected credit losses

    (12,969     12,880       89       (43,101     42,311       790  

Transfer to lifetime expected credit losses

    6,963       (7,307     344       30,302       (121,784     91,482  

Transfer to credit-impaired financial assets

    698       2,537       (3,235     22,851       37,781       (60,632

Net reversal (provision) of loss allowance

    (409     (11,715     (90,448     (28,912     (10,619     12,444  

Recoveries of loans previously charged off

    —         —         (28,706     —         —         (104,371

Charge-off

    —         —         104,478       —         —         343,553  

Disposal

    —         —         —         —         67       18,456  

Unwinding effect

    —         —         —         —         —         16,626  

Others (*2)

    (2     —         —         21,920       (126     (1,468
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

    (62,853     (75,068     (120,336     (520,799     (421,117     (808,389
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Others consist of debt-equity swap, foreign currencies translation and etc.

Changes in allowance for credit losses of loans and receivables

 

Changes in the loss allowances on loans and receivables for the six months ended June 30, 2017 are as follows (Unit: Korean Won in millions):

 

     For six months ended June 30, 2017  
     Consumers     Corporates     Credit card     Others     Total  

Beginning balance

     (163,858     (1,498,842     (155,372     (209,024     (2,027,096

Net reversal (provision) of loss allowance

     (65,582     (191,263     (91,022     13,891       (333,976

Recoveries of loans previously charged off

     (21,659     (55,319     (24,808     (3     (101,789

Charge-off

     67,593       220,598       104,195       51,260       443,646  

Disposal

     830       58,431       —         29,264       88,525  

Unwinding effect

     4,620       20,047       —         —         24,667  

Others (*)

     416       179,068       —         (633     178,851  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     (177,640     (1,267,280     (167,007     (115,245     (1,727,172
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Others consist of debt-equity swap, foreign currencies translation and etc.

Changes in gross carrying amount of loans

 

(7)

Changes in the gross carrying amount of loans are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Consumers     Corporates  
     Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance

     103,502,347       5,487,758       326,739       130,561,786       5,000,966       1,622,410  

Transfer to 12-month expected credit losses

     1,772,982       (1,768,978     (4,004     1,113,857       (1,112,533     (1,324

Transfer to lifetime expected credit losses

     (2,731,516     2,746,818       (15,302     (2,112,755     2,222,364       (109,609

Transfer to credit-impaired financial assets

     (84,885     (101,151     186,036       (155,933     (118,707     274,640  

Charge-off

     —         —         (117,228     —         —         (121,847

Disposal

     —         (270     (13,483     —         (883     (67,695

Net increase (decrease)

     2,913,765       (742,949     (22,980     (4,520,684     (688,875     (149,456
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     105,372,693       5,621,228       339,778       124,886,271       5,302,332       1,447,119  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
     For the six months ended June 30, 2018  
     Credit card accounts     Sub-total  
     Stage 1     Stage 2     Stage 3     Stage 1     Stage 2     Stage 3  

Beginning balance

     5,721,743       935,266       177,983       239,785,876       11,423,990       2,127,132  

Transfer to 12-month expected credit losses

     243,044       (242,932     (112     3,129,883       (3,124,443     (5,440

Transfer to lifetime expected credit losses

     (299,729     300,190       (461     (5,144,000     5,269,372       (125,372

Transfer to credit-impaired financial assets

     (27,288     (24,128     51,416       (268,106     (243,986     512,092  

Charge-off

     —         —         (104,478     —         —         (343,553

Disposal

     —         —         —         —         (1,153     (81,178

Net increase (decrease)

     722,640       46,551       75,193       (884,279     (1,385,273     (97,243
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     6,360,410       1,014,947       199,541       236,619,374       11,938,507       1,986,438  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

Details of other receivables

 

(8)

Details of other financial assets (other receivables) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

CMA accounts

     200,000        135,000  

Receivables

     8,721,745        4,459,318  

Accrued income

     1,055,713        1,026,273  

Telex and telephone subscription rights and refundable deposits

     980,611        984,620  

Other receivables

     272,403        166,877  

Loss allowance

     (74,839      (57,563
  

 

 

    

 

 

 

Total

     11,155,633        6,714,525  
  

 

 

    

 

 

 
Changes in loss allowance of other receivables

 

(9)

Changes in the loss allowances on other financial assets are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3     Total  

Beginning balance (*)

     (2,955     (1,832     (54,211     (58,998

Transfer to 12-month expected credit losses

     (161     146       15       —    

Transfer to lifetime expected credit losses

     112       (122     10       —    

Transfer to credit-impaired financial assets

     23       167       (190     —    

Net provision of loss allowance

     (360     (256     (30,854     (31,470

Recoveries of other financial assets previously charged off

     —         —         (2     (2

Charge-off

     —         —         15,225       15,225  

Disposal

     —         —         593       593  

Others

     (208     —         21       (187
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     (3,549     (1,897     (69,393     (74,839
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

Changes in gross carrying amount of other receivables

 

(10)

Changes in the gross carrying amount of other financial assets are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Stage 1     Stage 2     Stage 3     Total  

Beginning balance

     6,662,335       29,124       79,912       6,771,371  

Transfer to 12-month expected credit losses

     8,130       (8,109     (21     —    

Transfer to lifetime expected credit losses

     (10,935     10,949       (14     —    

Transfer to credit-impaired financial assets

     (768     (1,120     1,888       —    

Charge-off

     —         —         (15,225     (15,225

Disposal

     —         (2     (735     (737

Net increase and others

     4,460,291       (1,650     16,422       4,475,063  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     11,119,053       29,192       82,227       11,230,472  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

XML 79 R63.htm IDEA: XBRL DOCUMENT v3.10.0.1
Fair value of financial assets and liabilities (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of fair value measurement [Abstract]  
Schedule of fair value measurement of financial instruments [Table Text Block]

 

(2)

Fair value hierarchy of financial assets and liabilities measured at fair value are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Level 1 (*1)      Level 2 (*1)      Level 3      Total  

Financial assets:

           

Financial assets at fair value through profit or loss mandatorily measured at fair value

           

Deposits

     24,921        —          —          24,921  

Debt securities

     375,280        1,611,129        7,442        1,993,851  

Equity securities

     80,536        —          352,780        433,316  

Capital contributions

     —          —          349,470        349,470  

Beneficiary certificates

     —          62,173        748,795        810,968  

Loans

     —          85,000        251,967        336,967  

Derivative assets

     17,439        2,337,601        36,171        2,391,211  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     498,176        4,095,903        1,746,625        6,340,704  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial assets at FVTOCI

           

Debt securities

     2,463,992        11,224,698        —          13,688,690  

Equity securities

     440,038        —          465,741        905,779  

Securities loaned

     —          50,139        —          50,139  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     2,904,030        11,274,837        465,741        14,644,608  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative assets

     —          12,395        —          12,395  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,402,206        15,383,135        2,212,366        20,997,707  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

     June 30, 2018  
     Level 1 (*1)      Level 2 (*1)      Level 3      Total  

Financial liabilities:

           

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

           

Deposits due to customers

     24,485        —          —          24,485  

Derivative liabilities

     3,269        2,333,558        40,923        2,377,750  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     27,754        2,333,558        40,923        2,402,235  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities at fair value through profit or loss designated as upon initial recognition

           

Equity-linked securities

     —          —          176,097        176,097  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative liabilities

     —          67,505        —          67,505  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     27,754        2,401,063        217,020        2,645,837  
  

 

 

    

 

 

    

 

 

    

 

 

 
     December 31, 2017  
     Level 1 (*1)      Level 2 (*1)      Level 3 (*2)      Total  

Financial assets:

           

Financial assets held for trading

           

Deposits

     25,972        —          —          25,972  

Debt securities

     405,942        2,238,391        —          2,644,333  

Equity securities

     21,666        —          —          21,666  

Beneficiary certificates

     —          13,041        —          13,041  

Derivative assets

     1,021        3,093,272        21,482        3,115,775  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     454,601        5,344,704        21,482        5,820,787  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial assets designated at FVTPL

           

Debt securities

     —          —          9,694        9,694  

Equity securities

     —          —          12,596        12,596  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          —          22,290        22,290  
  

 

 

    

 

 

    

 

 

    

 

 

 

AFS financial assets

           

Debt securities

     2,710,172        10,348,816        —          13,058,988  

Equity securities

     399,214        —          1,011,864        1,411,078  

Beneficiary certificates

     —          68,722        643,906        712,628  

Securities loaned

     69,778        100,478        —          170,256  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     3,179,164        10,518,016        1,655,770        15,352,950  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative assets

     —          59,272        —          59,272  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,633,765        15,921,992        1,699,542        21,255,299  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities:

           

Financial liabilities held for trading

           

Deposits due to customers

     25,964        —          —          25,964  

Derivative liabilities

     2,613        3,126,585        20,951        3,150,149  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     28,577        3,126,585        20,951        3,176,113  
  

 

 

    

 

 

    

 

 

    

 

 

 

Financial liabilities designated at FVTPL

           

Equity-linked securities

     —          —          160,057        160,057  

Debentures

     —          91,739        —          91,739  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          91,739        160,057        251,796  
  

 

 

    

 

 

    

 

 

    

 

 

 

Derivative liabilities

     —          67,754        —          67,754  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     28,577        3,286,078        181,008        3,495,663  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

There were no transfers between Level 1 and Level 2 of financial assets and liabilities measured at fair value. The Group recognizes transfers among levels at the end of reporting period in which events have occurred or conditions have changed.

(*2)

Certain AFS unquoted equity securities were measured at cost as of December 31, 2017, that amounted to 37,092 million Won. These unquoted equity instruments mostly represent minority investments in structured entity vehicles, such as asset securitization structures. They are measured at cost because (a) observable inputs of financial information to measure fair value were not available to obtain, (b) there was a significant variance in likely estimated cash flows or (c) the probabilities for various estimated cash flows could not be measured reliably. In addition, the Group has no intention to dispose these investments in the foreseeable future.

Valuation techniques and inputs used in fair value measurement of financial instruments measured at fair value [Table Text Block]

 

Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. Valuation methods and input variables for each type of financial instruments are as follows:

 

    

Valuation methods

  

Input variables

Loans

  

The fair value of Loans is measured by the Binomial tree given the values of underlying assets and volatility.

  

Values of underlying assets, Volatility

Debt securities

  

The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.

  

Risk-free market rate, credit spread

Equity securities, capital contribution and Beneficiary certificates

  

Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.

  

Risk-free market rate, market risk premium, Beta, etc.

 

    

Valuation methods

  

Input variables

Derivatives

  

The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market.

However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.

  

Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.

Equity-linked securities

  

The fair value of security linked to stock prices or derivatives is measured by the models such as DCF model, FDM, or Monte Carlo Simulation given the natures of the securities or underlying assets.

  

Values of underlying assets, risk-free market rate, market rate, dividend and convenience yield, volatility, correlation coefficient, credit spread, and foreign exchange rate

Debentures

  

The fair value is measured by discounting the projected cash flows of a debenture by applying the market discount rate that is reflecting credit rating of the Group.

  

Risk-free market rate, forward rate

Schedule of significant unobservable inputs used in fair value measurement of financial assets and liabilities [Table Text Block]

 

Valuation methods of financial assets and liabilities measured at fair value and classified into Level 3 and significant but unobservable inputs are as follows:

 

   

Fair value measurement
technique

 

Input variable

  Range  

Impact of changes in significant unobservable
inputs on fair value measurement

Loans

 

Binomial tree

 

Stock, Volatility of underlying asset

  14.92% – 41.24%  

Variation of fair value increases as volatility increases.

Derivative assets

 

Option valuation model and others

 

Correlation coefficient

  0.900 – 0.970  

Variation of fair value increases as correlation coefficient increases.

 

Volatility of underlying asset

  10.61% – 27.59%  

Variation of fair value increases as volatility increases.

Derivative liabilities

 

Option valuation model and others

 

Correlation coefficient

  0.900 – 0.970  

Variation of fair value increases as correlation coefficient increases.

 

Volatility of underlying asset

  10.61% – 27.59%  

Variation of fair value increases as volatility increases.

Equity-linked securities

 

Monte Carlo Simulation and others

 

Correlation coefficient

  0.0861 – 0.688  

Equity-linked securities’ variation of fair value increases if both volatility and correlation coefficient increase. However, when correlation coefficient decreases despite the increase in volatility, the variation of fair value of a compound financial instrument may decrease.

 

Volatility of underlying asset

  18.60% – 26.88%

Equity securities and

beneficiary certificates

 

External appraisal value and others

 

Expected growth rate

  0.00%  

Fair value increases as expected growth rate increases.

 

Discount rate

  0.99% – 18.73%  

Fair value increases as discount rate decreases.

 

Volatility of real estate sale price

  0.00%  

Fair value increases as sale price increases.

Reconciliation of changes in financial assets and liabilities classified as level3 of fair value hierarchy [Table Text Block]

 

(3)

Changes in financial assets and liabilities measured at fair value classified into Level 3 are as follows (Unit: Korean Won in millions):

 

     For six months ended June 30, 2018  
     January 1,
2018
     Net
income
(loss) (*1)
    Other
comprehensive
income
     Purchases/
issuances
    Disposals/
settlements
    Transfer to
or out of
Level 3 (*2)
     June 30,
2018
 

Financial assets:

                 

Financial assets at fair value through profit or loss mandatorily measured at fair value

                 

Debt securities

     9,694        (111     —          —         (2,141     —          7,442  

Equity securities

     280,171        22,834       —          50,005       (230     —          352,780  

Capital contributions

     294,121        21,934       —          49,367       (15,952     —          349,470  

Beneficiary certificates

     654,066        12,973       —          1,924,763       (1,843,007     —          748,795  

Loans

     165,001        3,616       —          125,807       (42,457     —          251,967  

Derivative assets

     19,346        65,856       —          1,936       (50,967     —          36,171  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Subtotal

     1,422,399        127,102       —          2,151,878       (1,954,754     —          1,746,625  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Financial assets at FVTOCI

                 

Equity securities

     451,287        (393     14,557        290       —         —          465,741  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Total

     1,873,686        126,709       14,557        2,152,168       (1,954,754     —          2,212,366  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Financial liabilities:

                 

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

                 

Derivative liabilities

     20,951        73,951       —          (3,058     (50,921     —          40,923  

Financial liabilities at fair value through profit or loss designated as upon initial recognition

                 

Equity-linked securities

     160,057        (1,438     —          179,044       (161,566     —          176,097  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

Total

     181,008        72,513       —          175,986       (212,487     —          217,020  
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

   

 

 

    

 

 

 

 

(*1)

The losses that increase financial liabilities are presented as positive amounts, and the gains that decrease financial liabilities are presented as negative amounts. The gain amounting to 61,323 million Won for six months ended June 30, 2018, which is from financial assets and liabilities that the Group holds as at the end of the periods, has been recognized in net gain (loss) on financial assets at FVTPL and net gain (loss) on financial assets at FVTOCI in the consolidated statement of comprehensive income.

(*2)

The Group recognizes transfers between levels at the end of reporting period within which events have occurred or conditions have changed.

 

     For the six months ended June 30, 2017  
     January 1,
2017
     Net
income
(loss) (*1)
    Other
comprehensive
income (loss)
     Purchases/
Issuances
     Disposals/
Settlements
    Transfer to
or out of
level 3 (*2)
     June 30,
2017
 

Financial assets:

                  

Financial assets held for trading

                  

Derivative assets

     23,153        21,217       —          472        (17,420     —          27,422  

Financial assets designed at FVTPL

                  

Debt securities

     4,348        191       —          2,000        —         —          6,539  

Equity securities

     12,652        (207     —          —          —         —          12,445  
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

Sub-total

     17,000        (16     —          2,000        —         —          18,984  
  

 

 

    

 

 

   

 

 

    

 

 

    

 

 

   

 

 

    

 

 

 

 

     For the six months ended June 30, 2017  
     January 1,
2017
     Net
income
(loss) (*1)
     Other
comprehensive
income (loss)
    Purchases/
Issuances
     Disposals/
Settlements
    Transfer to
or out of
level 3 (*2)
     June 30,
2017
 

AFS financial assets

                  

Equity securities

     1,024,935        19,241        10,175       27,289        (31,692     —          1,049,948  

Beneficiary certificates

     530,511        3,442        (2,188     127,147        (70,600     —          588,312  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Sub-total

     1,555,446        22,683        7,987       154,436        (102,292     —          1,638,260  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Derivative assets

     99        185        —         —          (284     —          —    
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Total

     1,595,698        44,069        7,987       156,908        (119,996     —          1,684,666  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Financial liabilities:

                  

Financial liabilities held for trading

                  

Derivative liabilities

     33,524        14,142        —         501        (15,015     —          33,152  

Financial liabilities designated at FVTPL

                  

Equity-linked securities

     673,709        83,962        —         —          (235,296     —          522,375  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Total

     707,233        98,104        —         501        (250,311     —          555,527  
  

 

 

    

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

 

(*1)

The loss amounting to 61,518 million Won for the six months ended June 30, 2017, which is from financial assets and liabilities that the Group holds, has been recognized in net gain (loss) on financial instruments at FVTPL and net gain (loss) on AFS financial assets in the statement of comprehensive income.

(*2)

The Group recognizes transfers between levels at the end of reporting period within which events have occurred or conditions have changed.

Schedule of sensitivity analysis dueto one or more unobservable inputs on fair value of level3 financial instruments [Table Text Block]

 

The following table presents the sensitivity analysis to disclose the effect of reasonably possible volatility on the fair value of a Level 3 financial instruments (Unit: Korean Won in millions):

 

     June 30, 2018  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial assets:

          

Financial assets at FVTPL

          

Derivative assets (*1) (*2)

     4,305        (2,452     —          —    

Loans

     422        (323     —          —    

Debt securities

     914        (784     —          —    

Equity securities (*3) (*4)

     10,740        (7,562     —          —    

Beneficiary certificates (*4)

     1,436        (1,544     —          —    

Financial assets at FVTOCI

          

Equity securities (*3) (*4)

     —          —         19,464        (8,704
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     17,817        (12,665     19,464        (8,704
  

 

 

    

 

 

   

 

 

    

 

 

 

 

     June 30, 2018  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial liabilities:

          

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

          

Derivative liabilities (*1) (*2)

     2,409        (4,285     —          —    

Financial liabilities at fair value through profit or loss designated as upon initial recognition

          

Equity-linked securities (*1)

     1,083        (1,158     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     3,492        (5,443     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 
     December 31, 2017  
     Net income (loss)     Other comprehensive income (loss)  
     Favorable      Unfavorable     Favorable      Unfavorable  

Financial assets:

          

Financial assets held for trading

          

Derivatives assets (*1) (*2)

     1,234        (526     —          —    

Financial assets designed at FVTPL

          

Debt securities (*5)

     265        (309     —          —    

Equity securities (*5)

     670        (624     —          —    

AFS Financial assets

          

Equity securities (*3) (*4)

     —          —         28,583        (15,246

Beneficiary certificates (*4)

     —          —         1,861        (1,857
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     2,169        (1,459     30,444        (17,103
  

 

 

    

 

 

   

 

 

    

 

 

 

Financial liabilities:

          

Financial liabilities held for trading

          

Derivative liabilities (*1) (*2)

     5        (513     —          —    

Financial liabilities designated at FVTPL

          

Equity-linked securities (*1)

     8        (7     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     13        (520     —          —    
  

 

 

    

 

 

   

 

 

    

 

 

 

 

(*1)

Fair value changes of equity related derivatives assets and liabilities and equity-linked securities are calculated by increasing or decreasing historical volatility of the stock price and correlation, which are major unobservable variables, by 10%, respectively. In the case of interest rate related derivative assets and liabilities, fair value changes are calculated by increasing or decreasing the volatility of interest rate, which are major unobservable variables, by 10%.

(*2)

Both derivative assets and liabilities for held for trading and hedging are included.

(*3)

Fair value changes of equity securities are calculated by increasing or decreasing growth rate (0~1%) and discount rate or liquidation value (-1~1%). The growth rate, discount rate, and liquidation value are major unobservable variables.

(*4)

Even if the sensitivity analysis of the capital contributions and beneficiary certificates is not possible in practice, fair value changes of beneficiary certificates and other securities whose major unobservable variables are composed of the real estate are calculated by increasing or decreasing price fluctuation of real estate which is underlying assets and discount rate by 1%.

(*5)

Changes of fair value are measured by increasing or decreasing the discount rate by 10%, which is major unobservable variable, respectively.

Schedule of fair value measurement of financial instruments measured at amortised costs [Table Text Block]

 

(5)

Fair value and carrying amount of financial assets and liabilities that are recorded at amortized cost are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Fair value      Book
value
 
     Level 1      Level 2      Level 3      Total  

Financial assets:

              

Securities at amortized cost

     1,792,215        15,911,262        —          17,703,477        17,702,129  

Loans and other financial assets at amortized cost

     —          —          277,718,440        277,718,440        277,720,003  

Financial liabilities:

              

Deposits due to customers

     —          237,811,780        —          237,811,780        237,900,166  

Borrowings

     —          15,924,417        —          15,924,417        15,899,599  

Debentures

     —          26,586,897        —          26,586,897        26,752,725  

Other financial liabilities

     —          21,405,921        —          21,405,921        21,408,267  

 

     December 31, 2017  
     Fair value      Book
value
 
     Level 1      Level 2      Level 3      Total  

Financial assets:

              

HTM financial assets

     1,206,292        15,509,387        —          16,715,679        16,749,296  

Loans and receivables

     —          —          265,570,649        265,570,649        267,106,204  

Financial liabilities:

              

Deposits due to customers

     —          234,682,775        —          234,682,775        234,695,084  

Borrowings

     —          14,754,506        —          14,754,506        14,784,706  

Debentures

     —          27,889,781        —          27,889,781        27,869,651  

Other financial liabilities

     —          13,890,789        —          13,890,789        13,892,461  
Valuation techniques and inputs used in fair value measurement of financial instruments measured at amortised costs [Table Text Block]

 

The fair values of financial instruments are measured using quoted market price in active markets. In case there is no active market for financial instruments, the Group determines the fair value using valuation methods. Valuation methods and input variables for financial assets and liabilities that are measured at amortized costs are given as follows:

 

    

Valuation methods

  

Input variables

Securities at amortized cost (HTM financial assets in previous year)

  

The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.

  

Risk-free market rate and credit spread

Loans and other financial assets at amortized cost (Loans and receivables in previous year)

  

The fair value is measured by discounting the projected cash flows of loan products by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the debtor.

  

Risk-free market rate, credit spread and prepayment-rate

Deposits due to customers, borrowings, debentures and other financial liabilities

  

The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting credit rating of the Group.

  

Risk-free market rate and forward rate

Disclosure of categories of financial assets

Carrying amounts of financial assets and liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Financial assets

   Financial asset
at FVTPL
     Financial assets
at FVTOCI
     Financial assets at
amortized cost
     Derivatives
assets held for
hedging
     Total  

Deposits

     24,921        —          17,770,356        —          17,795,277  

Securities at fair value through profit or loss

     3,587,605        —          —          —          3,587,605  

Securities at FVTOCI

     —          14,644,608        —          —          14,644,608  

Securities at amortized cost

     —          —          17,702,129        —          17,702,129  

Loans

     336,967        —          248,794,014        —          249,130,981  

Derivative assets

     2,391,211        —          —          12,395        2,403,606  

Other financial assets at amortized cost

     —          —          11,155,633        —          11,155,633  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     6,340,704        14,644,608        295,422,132        12,395        316,419,839  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  

Financial assets

   Financial assets
at FVTPL
     AFS financial
assets
     HTM financial
assets
     Loans      Derivatives
assets held for
hedging
     Total  

Deposits

     25,972        —          —          8,868,378        —          8,894,350  

Financial assets at FVTPL

     2,701,330        —          —          —          —          2,701,330  

AFS financial assets

     —          15,352,950        —          —          —          15,352,950  

HTM financial assets

     —          —          16,749,296        —          —          16,749,296  

Loans

     —          —          —          251,523,301        —          251,523,301  

Derivative assets

     3,115,775        —          —          —          59,272        3,175,047  

Other financial assets at amortized cost

     —          —          —          6,714,525        —          6,714,525  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     5,843,077        15,352,950        16,749,296        267,106,204        59,272        305,110,799  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

Disclosure of categories of financial liabilities

Carrying amounts of financial assets and liabilities are as follows (Unit: Korean Won in millions):

 

Financial liabilities

   June 30, 2018  
   Financial liabilities
at FVTPL
     Financial liabilities
at amortized cost
     Derivatives
liabilities held for
hedging
     Total  

Deposits due to customers

     24,485        237,900,166        —          237,924,651  

Borrowings

     176,097        15,899,599        —          16,075,696  

Debentures

     —          26,752,725        —          26,752,725  

Derivative liabilities

     2,377,750        —          67,505        2,445,255  

Other financial liabilities (*)

     —          21,463,163        —          21,463,163  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,578,332        302,015,653        67,505        304,661,490  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Other financial liabilities include 54,896 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note 23).

 

Financial liabilities

   June 30, 2017  
   Financial liabilities
at FVTPL
     Financial liabilities
at amortized cost
     Derivatives
liabilities held for
hedging
     Total  

Deposits due to customers

     25,964        234,695,084        —          234,721,048  

Borrowings

     160,057        14,784,706        —          14,944,763  

Debentures

     91,739        27,869,651        —          27,961,390  

Derivative liabilities

     3,150,149        —          67,754        3,217,903  

Other financial liabilities (*)

     —          13,964,158        —          13,964,158  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     3,427,909        291,313,599        67,754        294,809,262  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

Other financial liabilities include 71,697 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note 23).

XML 80 R64.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derecognition and offset of financial instruments (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of derecognition and offsetting of financial assets and liabilities [Abstract]  
Transferred financial assets of securities under repurchase agreement that are not derecognized in their entirety

 

a)

Disposal of securities under repurchase agreements

The financial instruments that were disposed but the Group agreed to repurchase at the fixed amounts at the same time, so that they did not meet the conditions of derecognition, are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Assets transferred

   Financial assets at FVTOCI      10,002        —    
   AFS financial assets      —          9,998  
   Securities at amortized cost      5,444        —    
   HTM financial assets      —          5,436  
     

 

 

    

 

 

 
  

Total

     15,446        15,434  
     

 

 

    

 

 

 

Related liabilities

   Bonds sold under repurchase agreements      5,372        3,173  
     

 

 

    

 

 

 

 

Transferred financial assets of loaned securities that are not derecognized in their entirety

 

b)

Securities loaned

When the Group loans its securities to outside parties, the legal ownerships of the securities are transferred; however, they should be returned at the end of lending period. Therefore, the Group does not derecognize them from the financial statements as it owns majority of risks and benefits from the securities continuously, regardless of the transfer of legal ownership. The carrying amounts of the securities loaned are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017      Loaned to

Financial assets at FVTOCI

  

Korean treasury, corporation bonds and others

     50,139        —        Korea Securities
Finance
Corporation

AFS financial assets

  

Korean treasury, government bonds and others

     —          170,256      Korea Securities
Finance
Corporation
and others
     

 

 

    

 

 

    
  

Total

     50,139        170,256     
     

 

 

    

 

 

    

 

Financial instruments subject to offset enforceable master netting agreements or similar agreements

 

As of June 30, 2018 and December 31, 2017, the financial instruments to be off set and may be covered by master netting agreements and similar agreements are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Gross
amounts of
recognized
financial
assets
     Gross
amounts of
recognized
financial
assets set off
     Net
amounts of
financial
assets
presented
     Related amounts not set off
in the consolidated statement
of financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
received
 

Financial assets:

                 

Derivative assets and others (*1)

     2,132,698        —          2,132,698        8,716,272        21,543        857,980  

Receivable spot exchange (*2)

     7,463,097        —          7,463,097  

Bonds purchased under resale agreements (*2)

     6,999,881        —          6,999,881        6,999,881        —          —    

Domestic exchanges receivable (*2)(*5)

     27,527,610        27,338,204        189,406        —          —          189,406  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     44,123,286        27,338,204        16,785,082        15,716,153        21,543        1,047,386  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     June 30, 2018  
     Gross
amounts of
recognized
financial
liabilities
     Gross
amounts of
recognized
financial
liabilities set
off
     Net
amounts of
financial
liabilities
presented
     Related amounts not set off
in the consolidated statement
of financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
pledged
 

Financial liabilities:

                 

Derivative liabilities and others (*1)

     2,305,516        —          2,305,516        8,704,614        208,955        856,626  

Payable spot exchange (*3)

     7,464,679        —          7,464,679  

Bonds sold under repurchase agreements (*4)

     5,372        —          5,372        5,372        —          —    

Domestic exchanges payable (*3)(*5)

     31,538,065        27,338,204        4,199,861        3,408,953        —          790,908  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     41,313,632        27,338,204        13,975,428        12,118,939        208,955        1,647,534  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The items include derivatives held for trading, derivatives held for hedging and equity-linked securities.

(*2)

The items are included in loan at amortized cost and other financial assets.

(*3)

The items are included in other financial liabilities.

(*4)

The items are included in borrowings.

(*5)

Certain financial assets and liabilities are presented as net amounts.

 

     December 31, 2017  
     Gross
amounts of
recognized
financial
assets
     Gross
amounts of
recognized
financial
assets set off
     Net
amounts of
financial
assets
presented
     Related amounts not set off in
the consolidated statement of
financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
received
 

Financial assets:

                 

Derivative assets and others (*1)

     2,992,476        1,710        2,990,766        5,787,448        174,415        796,629  

Receivable spot exchange (*2)

     3,767,726        —          3,767,726  

Bonds purchased under resale agreements (*2)

     16,859,064        —          16,859,064        16,859,064        —          —    

Domestic exchanges receivable (*2)(*5)

     39,050,227        38,985,354        64,873        —          —          64,873  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     62,669,493        38,987,064        23,682,429        22,646,512        174,415        861,502  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Gross
amounts of
recognized
financial
liabilities
     Gross
amounts of
recognized
financial
liabilities set
off
     Net
amounts of
financial
liabilities
presented
     Related amounts not set off in
the consolidated statement of
financial position
     Net
amounts
 
     Netting
agreements
and others
     Cash
collateral
pledged
 

Financial liabilities:

                 

Derivative liabilities and others (*1)

     3,160,217        1,710        3,158,507        5,866,682        157,750        857,961  

Payable spot exchange (*3)

     3,723,886        —          3,723,886  

Bonds sold under repurchase agreements (*4)

     3,173        —          3,173        3,173        —          —    

Domestic exchanges payable (*3)(*5)

     40,284,515        38,985,354        1,299,161        1,293,931        —          5,230  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     47,171,791        38,987,064        8,184,727        7,163,786        157,750        863,191  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The items include derivatives held for trading, derivatives for hedging and equity linked securities.

(*2)

The items are included in loans and receivables.

(*3)

The items are included in other financial liabilities.

(*4)

The items are included in borrowings.

(*5)

Certain financial assets and liabilities are presented at as net amounts.

XML 81 R65.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment in Joint Ventures and Associates (Tables)
6 Months Ended
Jun. 30, 2018
Equity Method Investments And Joint Ventures [Abstract]  
Schedule of investments in associates and joint ventures accounted for using equity method [Table Text Block]

 

(1)

Investments in joint ventures and associates accounted for using the equity method of accounting are as follows (Unit: Korean Won in millions):

 

          Percentage of
ownership (%)
     Financial
statements as of
(2018)
 

Joint ventures and Associates

  

Main business

   June 30,
2018
     December 31,
2017
 

Woori Bank:

           

Kumho Tire Co., Inc. (*1)(*2)

   Manufacturing      14.2        14.2        March 31  (*3) 

Woori Service Networks Co., Ltd. (*4)

   Freight & staffing services      4.9        4.9        May 31  (*3) 

Korea Credit Bureau Co., Ltd. (*5)

   Credit information      9.9        9.9        June 30  

Korea Finance Security Co., Ltd. (*4)

   Security service      15.0        15.0        May 31  (*3) 

Chin Hung International Inc. (*2)

   Construction      25.3        25.3        May 31  (*3) 

Poonglim Industrial Co., Ltd. (*6)(*9)

   Construction      —          29.4        —    

STX Engine Co., Ltd. (*10)

   Manufacturing      —          29.2        —    

STX Corporation (*1)(*11)

   Wholesale of non-specialized goods      19.7        19.7        May 31  (*3) 

Saman Corporation (*5)

   General construction Technology service      9.2        9.2        May 31  (*3) 

Dongwoo C & C Co., Ltd. (*6)

   Construction      23.2        23.2        —    

SJCO Co., Ltd. (*6)

   Aggregate transportation and wholesale      26.5        26.5        —    

G2 Collection Co., Ltd. (*6)

   Wholesale and retail sales      28.9        28.9        —    

The Base Enterprise Co., Ltd. (*6)

   Manufacturing      48.4        48.4        —    

Kyesan Engineering Co., Ltd. (*6)

   Construction      23.2        23.2        —    

Good Software Lap Co., Ltd. (*6)

   Service      28.9        28.9        —    

Wongwang Co., Ltd. (*6)

   Wholesale and real estate      29.0        29.0        —    

Sejin Construction Co., Ltd. (*6)

   Construction      29.6        29.6        —    

QTS Shipping Co., Ltd. (*6)

   Composite transportation Arrangement      49.4        49.4        —    

DAEA SNC Co., Ltd. (*6)

   Wholesale and retail sales      24.0        24.0     

ARES-TECH Co., Ltd. (*6)

   Electronic component manufacturing      23.4        23.4        —    

Reading Doctors Co., Ltd. (*6)

   Other service business      35.4        35.4        —    

PREXCO Co., Ltd. (*6)

   Manufacturing      28.1        28.1        —    

Hyunwoo International Co., Ltd. (*6)

   Manufacturing      25.9        25.9        —    

Jiwon Plating Co., Ltd. (*6)

   Plating      20.5        20.5        —    

Cultizm Korea LTD Co., Ltd. (*6)

   Wholesale and retail sales      31.3        31.3        —    

Gil Co.,Ltd. (*6)

   Manufacturing      26.1        26.1        —    

NK Eng Co., Ltd. (*6)

   Manufacturing      23.1        23.1        —    

Youngdong Sea Food Co., Ltd. (*6)(*7)

   Processed sea food manufacturing      24.0        —          —    

Woori Growth Partnerships New Technology Private Equity Fund

   Other financial business      23.1        23.1        June 30  

2016KIF-IMM Woori Bank Technology Venture Fund

   Other financial business      20.0        20.0        June 30  

K BANK Co., Ltd. (*5)

   Finance      13.0        13.0        May 31  (*3) 

Smart Private Equity Fund No.2

   Other financial business      20.0        20.0        June 30  

Woori Bank-Company K Korea Movie Asset Fund

   Other financial business      25.0        25.0        June 30  

Well to Sea No. 3 Private Equity Fund (*12)

   Finance      50.0        50.0        March 31  (*3) 

Partner One Value Up I Private Equity Fund (*8)

   Other financial business      23.3        —          June 30  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership (*8)

   Other Finance business      20.0        —          June 30  

Woori Investment Bank Co., Ltd.:

           

Nomura-Rifa Private Real Estate Investment Trust No.17

   Other financial business      21.9        25.0        June 30  

 

(*1)

The Group has significant influence on these entities through its position in the creditors’ council which is the decision making body regarding to financial and operational policies of associates.

(*2)

The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. (current period: KRW 6,310, previous year: KRW 4,425), Chin Hung International Inc. (current period: KRW 1,935, previous year: KRW 1,915).

 

(*3)

The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.

(*4)

Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017.

(*5)

The Group can participate in decision-making body and exercise significant influence over associates through business partnerships.

(*6)

The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.

(*7)

As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration.

(*8)

Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates.

(*9)

The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018.

(*10)

The entity was sold after it was transferred to assets held for sale for the year ended June 30, 2018.

(*11)

The shares of STX Corporation owned by the Group were reclassified as assets held for sale, as the creditor financial institutions committee entered into a contract with AFC Korea Co., Ltd. during the previous year to sell STX Corporation shares.

(*12)

The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them.

Schedule of changes in carrying value of investments in associates and joint ventures accounted for using equity method [Table Text Block]

 

(2)

Changes in the carrying value of investments in joint ventures and associates accounted for using the equity method of accounting are as follows (Unit: Korean Won in millions):

 

    For the six months ended June 30, 2018  
    Acquisition
cost
    January 1,
2018
    Share of
profits
(losses)
    Acquisition     Disposal
and others
(*1)
    Dividends     Change in
Capital
    June 30,
2018
 

Kumho Tire Co., Inc.

    175,652       98,933       (10,451     —         —         —         (5,196     83,286  

Woori Service Networks Co., Ltd.

    108       158       (20     —         —         —         —         138  

Korea Credit Bureau Co., Ltd.

    3,313       5,816       692       —         —         (113     —         6,395  

Korea Finance Security Co., Ltd.

    3,267       3,519       4       —         —         (54     1       3,470  

Chin Hung International Inc.

    130,779       45,101       3,179       —         —         —         (484     47,796  

Poonglim Industrial Co., Ltd.

    13,916       —         —         —         —         —         —         —    

STX Corporation

    50,760       6,947       (816     —         (5,865     —         (266     —    

Saman Corporation

    8,521       1,254       (48     —         —         —         34       1,240  

Woori Growth Partnerships New Technology Private Equity Fund

    28,833       27,611       1,139       —         (3,346     (484     —         24,920  

2016KIF-IMM Woori Bank Technology Venture Fund

    6,840       6,840       —         6,780       —         —         —         13,620  

K BANK Co., Ltd.

    45,392       31,735       (5,384     —         —         —         7       26,358  

Smart Private Equity Fund No.2

    3,000       2,932       (21     —         —         —         —         2,911  

Woori Bank-Company K Korea Movie Asset Fund

    3,000       2,957       10       —         —         —         —         2,967  

Well to Sea No.3 Private Equity Fund

    101,992       182,309       10,321       —         (508     —         (6,423     185,699  

Partner One Value Up I Private Equity Fund

    10,000       —         (13     10,000       —         —         —         9,987  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

    3,268       —         —         3,268       —         —         —         3,268  

Nomura-Rifa Private Real Estate Investment Trust No.17

    1,000       939       (54     —         —         —         —         885  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

    589,641       417,051       (1,462     20,048       (9,719     (651     (12,327     412,940  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Investments in joint ventures and associates decreased by 5,865 million Won through transfers to assets held for sale which occurred during the six months ended June 30, 2018.

 

    For the six months ended June 30, 2017  
    Acquisition
cost
    January 1,
2017
    Share of
profits
(losses)
    Acquisition
(*1)
    Disposal
and others
(*2)
    Dividends     Change in
Capital
    Others
(*1)
    June 30,
2017
 

Woori Blackstone Korea Opportunity No.1 Private Equity Fund

    6,881       15,289       (1,460     —         —         —         —         —         13,829  

Kumho Tire Co., Inc.

    175,652       200,332       2       —         —         —         (1,623     —         198,711  

Woori Service Networks Co., Ltd.

    108       145       (10     —         —         (8     —         —         127  

Korea Credit Bureau Co., Ltd.

    3,313       5,592       508       —         —         (149     —         —         5,951  

Korea Finance Security Co., Ltd.

    3,266       3,376       63       —         —         (54     —         —         3,385  

Chin Hung International Inc.

    89,725       43,032       (20,050     41,053       —         —         171       (25,966     38,240  

Poonglim Industrial Co., Ltd.

    13,916       —         —         —         —         —         —         —         —    

STX Engine Co., Ltd.

    92,038       43,036       722       —         —         —         4,047       —         47,805  

SamHo Co., Ltd.

    7,492       19,729       2,021       —         (16,354     —         (73     (5,323     —    

STX Corporation

    42,215       —         (33,739     8,546       —         —         (215     27,772       2,364  

Saman Corporation

    8,521       8,699       (96     —         —         —         26       —         8,629  

Woori Growth Partnerships New Technology Private Equity Fund

    13,602       13,118       (371     5,745       (498     —         (156     —         17,838  

2016KIF-IMM Woori Bank Technology Venture Fund

    1,800       1,800       —         3,240       —         —         —         —         5,040  

K BANK Co., Ltd.

    32,500       30,442       (5,861     —         —         —         (139     —         24,442  

Smart Private Equity Fund No.2

    3,000       —         (47     3,000       —         —         —         —         2,953  

Woori Bank-Company K Korea Movie Asset Fund

    1,500       —         (15     1,500       —         —         —         —         1,485  

Woori Renaissance Holdings

    63,000       54,422       (622     —         —         (57,109     —         3,309       —    
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    558,529       439,012       (58,955     63,084       (16,852     (57,320     2,038       (208     370,799  
 

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*1)

Changes in investments in joint ventures and associates due to debt-equity swap is 51,405 million Won.

(*2)

Investments in joint ventures and associates decreased by 16,354 million Won through transfers to assets held for sale occurred for the six months ended June 30, 2017.

Reconciliation of summarised financial information of associates and joint ventures accounted for using equity method to carrying amount of interest in associates and joint ventures [Table Text Block]

 

(3)

Summary financial information relating to investments in joint ventures and associates accounted for using the equity method of accounting is as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
 

Kumho Tire Co., Inc.

     4,513,972        3,521,608        624,981        (10,774

Woori Service Networks Co., Ltd.

     4,909        2,111        7,250        456  

Korea Credit Bureau Co., Ltd.

     80,792        18,764        37,342        5,919  

Korea Finance Security Co., Ltd.

     32,635        9,501        27,161        91  

Chin Hung International Inc.

     403,962        311,502        263,861        19,062  

Saman Corporation

     89,932        61,583        26,418        (326

Woori Growth Partnerships New Technology Private Equity Fund

     108,427        441        7,865        4,936  

2016KIF-IMM Woori Bank Technology Venture Fund

     65,760        383        6        (754

K BANK Co., Ltd.

     1,758,930        1,557,206        24,296        (32,126

Smart Private Equity Fund No.2

     14,605        51        1        (106

Woori Bank-Company K Korea Movie Asset Fund

     11,872        3        893        769  

Well to Sea No.3 Private Equity Fund

     5,297,764        4,759,158        140,041        13,450  

Partner One Value Up I Private Equity Fund

     43,114        172        114        (58

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

     15,843        744        4        (822

Nomura-Rifa Private Real Estate Investment Trust No.17

     20,433        16,407        56        (55

 

     December 31, 2017  
     Assets      Liabilities      Operating
revenue
     Net income
(loss)
 

Kumho Tire Co., Inc.

     5,105,107        3,928,327        2,136,569        (61,748

Woori Service Networks Co., Ltd.

     4,982        1,780        14,887        1,003  

Korea Credit Bureau Co., Ltd.

     75,504        19,323        68,750        3,580  

Korea Finance Security Co., Ltd.

     33,915        10,461        55,610        1,071  

Chin Hung International Inc.

     341,284        259,454        513,285        28,698  

Poonglim Industrial Co., Ltd.

     241,063        309,925        107,360        (29,812

STX Corporation

     595,348        543,458        1,371,272        342,869  

Saman Corporation

     98,435        69,929        76,135        (6,096

Woori Growth Partnerships New Technology Private Equity Fund

     120,133        485        1,024        (3,199

2016KIF-IMM Woori Bank Technology Venture Fund

     32,815        380        6        (1,515

K BANK Co., Ltd.

     1,244,270        1,001,121        19,231        (74,403

Smart Private Equity Fund No.2

     14,711        51        1        (340

Woori Bank-Company K Korea Movie Asset Fund

     11,830        2        16        (172

Well to Sea No.3 Private Equity Fund

     5,068,424        4,534,957        131,488        162,743  

Nomura-Rifa Private Real Estate Investment Trust No.17

     20,265        16,507        62        (242

 

Schedule of investments that were not accounted for using equity method [Table Text Block]

 

(4)

The entities that the Group has not applied equity method of accounting although the Group’s ownership interest is more than 20% as of June 30, 2018 and December 31, 2017 are as follows:

 

     June 30, 2018  

Associate (*)

   Number of shares owned      Ownership (%)  

Poonglim Industrial Co., Ltd.

     4,142,782        29.1  

Orient Shipyard Co., Ltd.

     464,812        21.4  

Saenuel Co., Ltd.

     3,531        37.4  

E Mirae Tech Co., Ltd.

     7,696        41.0  

Jehin Trading Co., Ltd.

     81,610        27.3  

The season Co., Ltd.

     18,187        30.1  

Yuil PESC Co., Ltd.

     8,642        24.0  

Sinseong Trading Co., Ltd.

     2,584        27.2  

CL Tech Co., Ltd.

     13,759        38.6  

Force TEC Co., Ltd.

     4,780,907        25.8  

Protronics Co., Ltd.

     95,921        48.1  

Instern Co., Ltd.

     14,296        20.1  

 

(*)

Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.

 

     As of December 31, 2017  

Associate (*)

   Number of shares owned      Ownership (%)  

Orient Shipyard Co., Ltd.

     465,050        21.4  

Saenuel Co., Ltd.

     3,531        37.4  

E Mirae Tech Co., Ltd.

     7,696        41.0  

Jehin Trading Co., Ltd.

     81,610        27.3  

The season Co., Ltd.

     18,187        30.1  

Yuil PESC Co., Ltd.

     8,642        24.0  

Youngdong Sea Food Co., Ltd.

     12,106        24.0  

Sinseong Trading Co., Ltd.

     2,584        27.2  

CL Tech Co., Ltd.

     13,759        38.6  

Force TEC Co., Ltd.

     4,780,907        25.8  

Protronics Co., Ltd.

     95,921        48.1  

Instern Co., Ltd.

     14,296        20.1  

 

(*)

Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.

 

Reconciliation from net assets of investments in associates and joint ventures accounted for using equity method to book value [Table Text Block]

 

(5)

As of June 30, 2018 and December 31, 2017, the reconciliations from the net assets of associates based on the ownership ratio of the Group to its corresponding book value of investment in joint ventures and associates are as follows (Unit: Korean Won in millions except for ownership):

 

    June 30, 2018  
    Total net
asset
    Ownership
(%)
    Ownership
portion of net
assets
    Cost-book
value
differential
and others
    Impairment     Intercompany
transaction
and others
    Book
value
 

Kumho Tire Co., Inc. (*)

    954,857       14.2       135,122       48,459       (102,843     2,548       83,286  

Woori Service Networks Co., Ltd.

    2,798       4.9       138       —         —         —         138  

Korea Credit Bureau Co., Ltd.

    62,028       9.9       6,149       246       —         —         6,395  

Korea Finance Security Co., Ltd.

    23,134       15.0       3,470       —         —         —         3,470  

Chin Hung International Inc. (*)

    92,316       25.3       23,361       24,565       —         (130     47,796  

Saman Corporation

    28,349       9.2       2,605       5,373       (6,738     —         1,240  

Woori Growth Partnerships New Technology Private Equity Fund

    107,986       23.1       24,920       —         —         —         24,920  

2016KIF-IMM Woori Bank Technology Venture Fund

    65,377       20.0       13,075       —         —         545       13,620  

K BANK Co., Ltd.

    201,724       13.0       26,162       —         —         196       26,358  

Smart Private Equity Fund No.2

    14,554       20.0       2,911       —         —         —         2,911  

Woori Bank-Company K Korea Movie Asset Fund

    11,869       25.0       2,967       —         —         —         2,967  

Well to Sea No.3 Private Equity Fund (*)

    371,813       50.0       185,816       —         —         (117     185,699  

Partner One Value Up I Private Equity Fund

    42,942       23.3       9,987       —         —         —         9,987  

IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership

    15,099       20.0       3,020       —         —         248       3,268  

Nomura-Rifa Private Real Estate Investment Trust No.17

    4,026       21.9       882       —         —         3       885  

 

(*)

The net asset amount is after reflecting debt-equity swap and others.

 

    December 31, 2017  
    Total net
asset
    Ownership
(%)
    Ownership
portion of net
assets
    Cost-book
value
differential
and others
    Impairment     Intercompany
transaction
and others
    Book
value
 

Kumho Tire Co., Inc. (*)

    1,065,421       14.2       150,767       48,459       (102,843     2,550       98,933  

Woori Service Networks Co., Ltd.

    3,202       4.9       158       —         —         —         158  

Korea Credit Bureau Co., Ltd.

    56,181       9.9       5,568       248       —         —         5,816  

Korea Finance Security Co., Ltd.

    23,454       15.0       3,519       —         —         —         3,519  

Chin Hung International Inc. (*)

    81,686       25.3       20,671       24,565       —         (135     45,101  

Poonglim Industrial Co., Ltd. (*)

    (168,154     29.4       (49,446     54,542       (20,504     15,408       —    

STX Corporation

    51,890       19.7       10,232       24,614       (27,904     5       6,947  

Saman Corporation

    28,506       9.2       2,619       5,373       (6,738     —         1,254  

Woori Growth Partnerships New Technology Private Equity Fund

    119,648       23.1       27,611       —         —         —         27,611  

2016KIF-IMM Woori Bank Technology Venture Fund

    32,435       20.0       6,487       —         —         353       6,840  

K BANK Co., Ltd.

    243,149       13.0       31,535       —         —         200       31,735  

Smart Private Equity Fund No.2

    14,660       20.0       2,932       —         —         —         2,932  

Woori Bank-Company K Korea Movie Asset Fund

    11,828       25.0       2,957       —         —         —         2,957  

Well to Sea No.3 Private Equity Fund (*)

    364,909       50.0       182,366       —         —         (57     182,309  

Nomura-Rifa Private Real Estate Investment Trust No.17

    3,758       25.0       939       —         —         —         939  

 

(*)

The net asset amount is after reflecting debt-equity swap and others.

XML 82 R66.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment Properties (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure Of Investment Property [Abstract]  
Details of investment properties

 

(1)

Details of investment properties are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Acquisition cost

     417,692        404,741  

Accumulated depreciation

     (36,515      (33,440
  

 

 

    

 

 

 

Net carrying value

     381,177        371,301  
  

 

 

    

 

 

 

 

Changes in investment properties

 

(2)

Changes in investment properties are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30  
     2018     2017  

Beginning balance

     371,301       358,497  

Acquisition

     7,311       1,221  

Disposal

     (1,738     (225

Depreciation

     (2,010     (1,991

Transfers

     6,333       (2,708

Classified to held for sale

     —         (534

Foreign currencies translation adjustments

     (79     (120

Others

     59       5,797  
  

 

 

   

 

 

 

Ending balance

     381,177       359,937  
  

 

 

   

 

 

 

 

XML 83 R67.htm IDEA: XBRL DOCUMENT v3.10.0.1
Premises and Equipment (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure Of Property Plant And Equipment [Abstract]  
Carrying value of property plant and equipment

 

(1)

Details of premises and equipment are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Land      Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
     Structures     Total  

Acquisition cost

     1,482,169        863,503       1,105,029       441,835       4,421        20       3,896,977  

Accumulated depreciation

     —          (197,688     (868,768     (379,750     —          (17     (1,446,223
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Net carrying value

     1,482,169        665,815       236,261       62,085       4,421        3       2,450,754  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

 

     December 31, 2017  
     Land      Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
     Structures     Total  

Acquisition cost

     1,487,278        867,804       1,024,186       429,665       64,559        20       3,873,512  

Accumulated depreciation

     —          (186,958     (844,114     (364,878     —          (17     (1,395,967
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

Net carrying value

     1,487,278        680,846       180,072       64,787       64,559        3       2,477,545  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

    

 

 

   

 

 

 

 

Changes in premises and equipment

 

(2)

Details of changes in premises and equipment are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Land     Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
    Structures     Total  

Beginning balance

     1,487,278       680,846       180,072       64,787       64,559       3       2,477,545  

Acquisitions

     463       4,326       27,635       6,928       3,342       —         42,694  

Disposals

     —         —         (72     (89     —         —         (161

Depreciation

     —         (12,960     (36,144     (17,696     —         —         (66,800

Classified to held for sale

     (3,573     (2,477     —         —         —         —         (6,050

Transfer

     (1,910     (4,423     63,433       —         (63,433     —         (6,333

Foreign currencies translation adjustments

     (89     (121     352       489       (47     —         584  

Acquisition through business combination

     —         —         969       661       —         —         1,630  

Others

     —         624       16       7,005       —         —         7,645  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     1,482,169       665,815       236,261       62,085       4,421       3       2,450,754  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
     For the six months ended June 30, 2017  
     Land     Building     Properties for
business use
    Structures in
leased office
    Construction
in progress
    Structures     Total  

Beginning balance

     1,488,745       691,699       189,902       68,958       18,717       4       2,458,025  

Acquisitions

     —         3,831       31,624       8,120       25,053       —         68,628  

Disposals

     (606     (205     (235     (423     —         —         (1,469

Depreciation

     —         (13,029     (38,063     (18,253     —         (1     (69,346

Classified to assets held for sale

     (1,743     (441     —         —         —         —         (2,184

Transfer

     2,466       403       5,485       —         (5,646     —         2,708  

Foreign currencies translation adjustments

     (596     (560     (676     (675     (247     —         (2,754

Others

     —         (6     188       5,386       —         —         5,568  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     1,488,266       681,692       188,225       63,113       37,877       3       2,459,176  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

XML 84 R68.htm IDEA: XBRL DOCUMENT v3.10.0.1
Intangible assets (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure Of Intangible Assets [Abstract]  
Carrying value of intangible assets and goodwill

 

(1)

Details of intangible assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Goodwill      Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
     Total  

Acquisition cost

     154,644        208,383       1,180       463,361       717,332       26,087       8,978        1,579,965  

Accumulated amortization

     —          (170,700     (611     (199,179     (550,996     —         —          (921,486

Accumulated impairment losses

     —          —         —         —         (137     (4,828     —          (4,965
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

Net carrying value

     154,644        37,683       569       264,182       166,199       21,259       8,978        653,514  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 
     December 31, 2017  
     Goodwill      Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
     Total  

Acquisition cost

     108,707        203,418       1,063       260,087       634,150       27,337       153,209        1,387,971  

Accumulated amortization

     —          (162,746     (524     (182,846     (516,467     —         —          (862,583

Accumulated impairment losses

     —          —         —         —         (137     (6,652     —          (6,789
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

Net carrying value

     108,707        40,672       539       77,241       117,546       20,685       153,209        518,599  
  

 

 

    

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

    

 

 

 

 

Changes in intangible assets

 

(2)

Details of changes in intangible assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Goodwill     Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
    Total  

Beginning balance

     108,707       40,672       539       77,241       117,546       20,685       153,209       518,599  

Acquisitions

     —         3,737       117       21,455       36,191       2,311       84,318       148,129  

Disposal

     —         —         —         —         —         (2,107     —         (2,107

Amortization (*)

     —         (7,510     (87     (16,317     (34,162     —         —         (58,076

Reversal of impairment loss

     —         —         —         —         —         339       —         339  

Transfer

     —         —         —         181,803       46,746       —         (228,549     —    

Acquisition through business combination

     47,406       763       —         —         —         —         —         48,169  

Foreign currencies translation adjustment

     (1,469     21       —         —         243       74       —         (1,131

Others

     —         —         —         —         (365     (43     —         (408
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     154,644       37,683       569       264,182       166,199       21,259       8,978       653,514  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Amortization of other intangible assets amounting to 25,179 million Won is included in other operating expenses.

 

     June 30, 2017  
     Goodwill     Software     Industrial
property rights
    Development
cost
    Others     Membership
deposit
    Construction
in progress
    Total  

Beginning balance

     124,803       35,477       313       70,697       164,364       20,086       67,999       483,739  

Acquisitions

     105       10,152       54       12,628       10,276       480       55,984       89,679  

Disposal

     —         —         —         —         —         (866     —         (866

Amortization (*)

     —         (8,064     (56     (11,515     (30,389     —         —         (50,024

Impairment loss

     —         —         —         —         —         (128     —         (128

Transfer

     —         8,091       —         —         36       —         (8,127     —    

Foreign currencies translation adjustment

     (7,479     (68     —         —         (1,053     (81     (383     (9,064

Others

     —         (22     —         (55     (6,371     (6     —         (6,454
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     117,429       45,566       311       71,755       136,863       19,485       115,473       506,882  
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Amortization of other intangible assets amounting to 24,443 million Won is included in other operating expenses.

XML 85 R69.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets Held for sale (Tables)
6 Months Ended
Jun. 30, 2018
Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [Abstract]  
Details of assets held for sale

 

Assets held for sale are as follows (Unit: Korean Won in millions):

 

     June 30,
2018
     December 31,
2017
 

Investments in joint ventures and associates

     5,865        46,217  

Premises and equipment, etc (*)

     12,840        2,407  
  

 

 

    

 

 

 

Total

     18,705        48,624  
  

 

 

    

 

 

 

 

(*)

As of June 30, 2018 and December 31, 2017, non-operating assets of the subsidiaries include land and buildings classified as assets held for sale amounting to 5,223 million Won and 840 million Won, respectively.

XML 86 R70.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets Subject to Lien and Assets Acquired Through Foreclosures (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure Of Collateral [Abstract]  
Assets subjected to lien

 

(1)

Assets subjected to lien are as follows (Unit: Korean Won in millions):

 

       

June 30, 2018

       

Collateral given to

  Amount    

Reason for collateral

Loan at amortized cost and other financial assets

 

Due from banks on time in local currency

  DaishinAMC and others     1,500     Right of pledge
 

Due from banks in local currencies

 

Samsung Securities Co., Ltd. and others

    19,698    

Margin deposit for futures or option

 

Due from banks in foreign currencies

 

Korea Investment & Securities Co., Ltd. and others

    135,515    

Foreign margin deposit for future or option and others

Financial assets at FVTPL  

Korean financial institutions’ debt securities and others

 

Kyobo Life Insurance Co., Ltd. and others

    72,915     CSA collateral and others
Financial assets at FVTOCI  

Korean treasury and corporate bonds

 

Korea Securities Depository

    10,002    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     1,621,221     Settlement risk and others
Securities at amortized cost  

Korean treasury and government bonds

 

Korea Securities Depository

    5,444    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     4,908,149     Settlement risk and others
Premises and equipment   Land and building  

Credit Counselling & Recovery Service and others

    6,065    

Right to collateral and others

     

 

 

   
    Total     6,780,509    
     

 

 

   

 

(*)

The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements).

 

       

December 31, 2017

       

Collateral given to

  Amount    

Reason for collateral

Loan and receivables  

Due from banks on time in local currency

  Bank of China and others     6,629    

Collaterals for issuing letter of guarantee and others

 

Due from banks in local currencies

 

Samsung Securities Co., Ltd. and others

    10,809    

Margin deposit for futures or option

 

Due from banks in foreign currencies

 

Korea Investment & Securities Co., Ltd. and others

    9,136    

Foreign margin deposit for future or option and others

Financial assets at FVTPL  

Korean financial institutions’ debt securities and others

 

Yuanta Securities Co., Ltd. and others

    501,523    

Substitute securities and others

AFS financial assets  

Korean treasury and corporate bonds

 

Korea Securities Depository and others

    9,998    

Related to bonds sold under repurchase agreements (*)

 

Korean treasury and government bonds and others

  The BOK and others     1,570,608     Settlement risk and others
HTM financial assets  

Korean treasury and government bonds

 

Korea Securities Depository

    5,436    

Related to bonds sold under repurchase agreements (*)

 

Korean financial institutions’ debt securities and others

  The BOK and others     7,605,292     Settlement risk and others
Premises and equipment   Land and building  

Credit Counselling & Recovery Service and others

    6,186     Leasehold rights and others
     

 

 

   
    Total     9,725,617    
     

 

 

   

 

(*)

The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements).

Assets acquired through foreclosure [Table Text Block]

 

(2)

The carrying amounts of assets acquired through foreclosure are as follows. (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Land

     327        332  

Buildings

     —          44  
  

 

 

    

 

 

 

Total

     327        376  
  

 

 

    

 

 

 

 

Schedule of securities lent [Table Text Block]

 

(3)

Securities loaned are as follows (Unit: Korean Won in millions):

 

          June 30,
2018
     December 31,
2017
    

Loaned to

Financial assets at FVTOCI

  

Korean treasury, corporate bonds and others

     50,139        —       

Korea Securities Finance Corporation

AFS financial assets

  

Korean treasury, government bonds and others

     —          170,256     

Korea Securities Finance Corporation and others

     

 

 

    

 

 

    

Total

     50,139        170,256     
  

 

 

    

 

 

    
Collaterals held that can be disposed and re collateralized regardless of defaults of counterparties

 

(4)

Collaterals held that can be disposed and re-subjected to lien regardless of defaults of counterparties

Fair values of collaterals held that can be disposed and re-subjected to lien regardless of defaults of counterparties as of June 30, 2018 and December 31, 2017 are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Fair values of collaterals      Fair values of collaterals were
disposed or re-subjected to  lien
 

Securities

     7,303,137        —    
     December 31, 2017  
     Fair values of collaterals      Fair values of collaterals were
disposed or re-subjected to  lien
 

Securities

     17,671,490        —    
XML 87 R71.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other Assets (Tables)
6 Months Ended
Jun. 30, 2018
Miscellaneous assets [Abstract]  
Details of other assets

 

Details of other assets are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Prepaid expenses

     165,150        130,245  

Advance payments

     24,879        18,363  

Non-operative assets

     327        376  

Others

     12,444        9,420  
  

 

 

    

 

 

 

Total

     202,800        158,404  
  

 

 

    

 

 

 

 

XML 88 R72.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial Liabilitiy at Fair Value Through Profit or Loss (Tables)
6 Months Ended
Jun. 30, 2018
Financial liabilities at fair value through profit or loss [Abstract]  
Details of financial liabilities at fair value through profit or loss

 

(1)

Financial liabilities at FVTPL are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Financial liabilities at fair value through profit or loss mandatorily measured at fair value

     2,402,235        —    

Financial liabilities held for trading

     —          3,176,113  

Financial liabilities at fair value through profit or loss designated as upon initial recognition

     176,097        —    

Financial liabilities designated as at FVTPL

     —          251,796  
  

 

 

    

 

 

 

Total

     2,578,332        3,427,909  
  

 

 

    

 

 

 

 

Details of financial liabilities at fair value through profit or loss mandatorily measured at fair value and financial liabilities held for trading

 

(2)

Financial liabilities at fair value through profit or loss mandatorily measured at fair value(Financial liabilities held for trading) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits

     

Gold banking liabilities

     24,485        25,964  

Derivative liabilities

     2,377,750        3,150,149  
  

 

 

    

 

 

 

Total

     2,402,235        3,176,113  
  

 

 

    

 

 

 

 

Details of financial liabilities at fair value through profit or loss designated as upon initial recognition and financial liabilities designated at fair value through profit or loss

 

(3)

Financial liabilities at fair value through profit or loss designated as upon initial recognition(Financial liabilities designated as at FVTPL) are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Equity linked securities index:

     

Equity linked securities index in short position

     176,097        160,057  

Debentures:

     

Debentures in local currency

     —          91,739  
  

 

 

    

 

 

 

Total

     176,097        251,796  
  

 

 

    

 

 

 

Financial liabilities at fair value through profit or loss designated are designated as such in order to eliminate or significantly reduce accounting mismatch arising from recognition or measurement.

Credit risk adjustments to financial liabilities designated at fair value through profit or loss

 

(4)

Credit risk adjustments to financial liabilities at fair value through profit or loss designated as upon initial recognition(Financial liabilities designated as at FVTPL) are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Financial liabilities at fair value through profit or loss designated as upon initial recognition

     176,097        —    

Financial liabilities designated as at FVTPL

     —          616,177  

Changes in fair value for credit risk adjustments

     (179      (261

Accumulated changes in credit risk adjustments

     (39      89  
Differences between financial liabilities at fair value through profit or loss carrying amount and nominal amount at maturity

 

(5)

The difference between financial liabilities at fair value through profit or loss designated as upon initial recognition’s(Financial liabilities designated as at FVTPL) carrying amount and nominal amount at maturity is as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Carrying amount

     176,097        251,796  

Nominal amount at maturity

     212,259        255,408  
  

 

 

    

 

 

 

Difference

     (36,162      (3,612
  

 

 

    

 

 

 

 

Changes in equity in relation to financial liabilities at FVTPL designated upon initial recognition cumulative gains

 

2)

Cumulative gains on financial liabilities designated at FVTPL replaced to retained earnings from other comprehensive income are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  

Equity-linked securities index:

     (8
XML 89 R73.htm IDEA: XBRL DOCUMENT v3.10.0.1
Deposits Due to Customers (Tables)
6 Months Ended
Jun. 30, 2018
Deposits from customers [Abstract]  
Details of deposits sorted by interest type

 

Details of deposits due to customers by type are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Deposits in local currency:

     

Deposits on demand

     9,337,563        9,349,070  

Deposits at termination

     198,768,356        194,292,679  

Mutual installment

     32,292        34,055  

Deposits on notes payables

     1,705,871        1,323,679  

Deposits on CMA

     154,782        164,431  

Certificate of deposits

     4,592,575        4,436,443  

Other deposits

     1,401,853        1,451,841  
  

 

 

    

 

 

 

Subtotal

     215,993,292        211,052,198  
  

 

 

    

 

 

 

Deposits in foreign currency:

     

Deposits in foreign currencies

     21,950,041        23,682,896  
  

 

 

    

 

 

 

Present value discount

     (43,167      (40,010
  

 

 

    

 

 

 

Total

     237,900,166        234,695,084  
  

 

 

    

 

 

 

 

XML 90 R74.htm IDEA: XBRL DOCUMENT v3.10.0.1
Borrowings and Debentures (Tables)
6 Months Ended
Jun. 30, 2018
Borrowings [Abstract]  
Details of borrowings

 

(1)

Details of borrowings are as follows (Unit: Korean Won in millions):

 

    

June 30, 2018

 
    

Lenders

   Interest rate (%)      Amount  

Borrowings in local currency:

        

Borrowings from The BOK

   The BOK      0.5 ~ 0.8        1,420,990  

Borrowings from government funds

  

Small Enterprise And Market Service and others

     0.0 ~ 2.5        1,782,603  

Others

  

The Korea Development Bank and others

     0.0 ~ 4.0        4,665,845  
        

 

 

 

Subtotal

           7,869,438  
        

 

 

 

Borrowings in foreign currencies:

        

Borrowings in foreign currencies

  

The Export-Import Bank of Korea and others

     0.0 ~ 6.5        7,148,402  

Offshore borrowings in foreign currencies

   JPMORGAN CHASE BANK      2.8        33,651  
        

 

 

 

Subtotal

           7,182,053  
        

 

 

 

Bills sold

   Others      0.0 ~ 1.2        23,874  

Call money

   Bank and others      0.0 ~ 6.3        818,889  

Bonds sold under repurchase agreements

   Other financial institutions      0.7 ~ 12.7        5,372  

Present value discount

           (27
        

 

 

 

Total

           15,899,599  
        

 

 

 
    

December 31, 2017

 
    

Lenders

   Interest rate (%)      Amount  

Borrowings in local currency:

        

Borrowings from The BOK

   The BOK      0.5 ~ 0.8        1,404,087  

Borrowings from government funds

  

Small Enterprise And Market Service and others

     0.0 ~ 2.9        1,723,340  

Others

  

The Korea Development Bank and others

     0.0 ~ 3.2        3,957,421  
        

 

 

 

Subtotal

           7,084,848  
        

 

 

 

Borrowings in foreign currencies:

        

Borrowings in foreign currencies

  

The Export-Import Bank of Korea and others

     0.0 ~ 6.8        6,996,551  

Offshore borrowings in foreign currencies

   Commonwealth Bank      1.8        28,285  
        

 

 

 

Subtotal

           7,024,836  
        

 

 

 

Bills sold

   Others      0.0 ~ 1.2        36,953  

Call money

   Bank and others      1.5 ~ 2.7        635,061  

Bonds sold under repurchase agreements

   Other financial institutions      0.6 ~ 12.7        3,173  

Present value discount

           (165
        

 

 

 

Total

           14,784,706  
        

 

 

 

 

Schedule of debentures [Table Text Block]

 

(2)

Details of debentures are as follows (Unit: Korean Won in millions):

 

     June 30, 2018     December 31, 2017  
     Interest rate
(%)
     Amount     Interest rate
(%)
     Amount  

Face value of bond(*):

          

Ordinary bonds

     1.5 ~ 4.5        21,105,565       1.5 ~ 5.8        22,468,908  

Subordinated bonds

     3.0 ~ 12.6        5,006,632       3.4 ~ 12.6        4,781,301  

Other bonds

     1.9 ~ 17.0        676,144       1.6 ~ 17.0        649,615  
     

 

 

      

 

 

 

Subtotal

        26,788,341          27,899,824  
     

 

 

      

 

 

 

Discounts on bonds

        (35,616        (30,173
     

 

 

      

 

 

 

Total

        26,752,725          27,869,651  
     

 

 

      

 

 

 

 

(*)

Included debentures under fair value hedge relationships are 3,150,145 million Won and 3,089,751 million Won as of June 30, 2018 and December 31, 2017, respectively. Also, debentures under cash flow hedge amounting to 724,487 million Won and 694,548 million Won are included as of June 30, 2018 and December 31, 2017.

XML 91 R75.htm IDEA: XBRL DOCUMENT v3.10.0.1
Provisions (Tables)
6 Months Ended
Jun. 30, 2018
Provisions [Abstract]  
Details of provisions

 

(1)

Details of provisions are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Asset retirement obligation

     67,458        61,872  

Provisions for guarantees (*1)

     106,827        183,247  

Provisions for unused commitments

     101,874        66,115  

Provisions for customer reward credits

     46,735        40,445  

Other provisions (*2)

     63,480        58,791  
  

 

 

    

 

 

 

Total

     386,374        410,470  
  

 

 

    

 

 

 

 

(*1)

Provisions for guarantees includes provision for financial guarantee of 54,896 million Won and 71,697 million Won as of June 30, 2018 and December 31, 2017, respectively.

(*2)

Other provisions consist of provision for litigation and others.

Changes in provisions on guarantee

 

1)

Provisions for guarantees

 

     For the six months ended June 30, 2018  
     Stage1     Stage2     Stage3     Total  

Beginning balance (*)

     47,132       18,281       127,511       192,924  

Replaced by 12-month expected credit loss

     76       (76     —         —    

Replaced with expected credit loss for the entire period

     (954     58,894       (57,940     —    

Replaced with credit-impaired financial assets

     (21     (20     41       —    

Provisions used

     (8,506     —         —         (8,506

Net reversal of unused amount

     (4,873     (46,344     (35,773     (86,990

Others

     9,393       6       —         9,399  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     42,247       30,741       33,839       106,827  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

     For the six months ended
June 30, 2017
 

Beginning balance

     238,117  

Provisions provided

     1,003  

Provisions used

     (12,335

Reversal of provisions unused

     (45,971

Foreign currencies translation adjustments

     20  

Others

     7,920  
  

 

 

 

Ending balance

     188,754  
  

 

 

 
Changes in provisions on loan commitments

 

2)

Provisions for unused commitment

 

     For the six months ended June 30, 2018  
     Stage1     Stage2     Stage3     Total  

Beginning balance (*)

     75,232       27,875       1,878       104,985  

Replaced by 12-month expected credit loss

     6,262       (6,145     (117     —    

Replaced with expected credit loss for the entire period

     (2,543     2,614       (71     —    

Replaced with credit-impaired financial assets

     (159     (325     484       —    

Net provision(reversal) of unused amount

     (6,183     3,356       (328     (3,155

Others

     44       —         —         44  
  

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

     72,653       27,375       1,846       101,874  
  

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

The beginning balance was restated in accordance with IFRS 9.

 

     For the six months ended
June 30, 2017
 

Beginning balance

     87,909  

Provisions provided

     491  

Provisions used

     (42

Reversal of provisions unused

     (5,736

Foreign currencies translation adjustments

     (1
  

 

 

 

Ending balance

     82,621  
  

 

 

 
Changes in asset retirement obligation

 

(3)

Changes in asset retirement obligation are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Beginning balance

     61,872        58,076  

Provisions provided

     1,083        654  

Provisions used

     (295      (416

Reversal of provisions unused

     (993      (727

Amortization

     259        203  

Increase in restoration costs and others

     5,532        4,163  
  

 

 

    

 

 

 

Ending balance

     67,458        61,953  
  

 

 

    

 

 

 

Changes in other obligation

 

(4)

Changes in other provisions are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Provisions for
customer reward
credits
    Other
provisions
    Total  

Beginning balance

     40,445       58,791       99,236  

Provisions provided

     36,044       2,236       38,280  

Provisions used

     (48,891     (2,199     (51,090

Reversal of unused amount

     —         (40     (40

Foreign currencies translation adjustments

     —         (7     (7

Transfer (*)

     5,467       —         5,467  

Others

     13,670       4,699       18,369  
  

 

 

   

 

 

   

 

 

 

Ending balance

     46,735       63,480       110,215  
  

 

 

   

 

 

   

 

 

 

 

(*)

As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2018.

 

     For the six months ended June 30, 2017  
     Provisions for
customer reward
credits
    Other
provisions
    Total  

Beginning balance

     22,093       22,282       44,375  

Provisions provided

     32,208       2,390       34,598  

Provisions used

     (39,402     (9,013     (48,415

Reversal of unused amount

     —         (40     (40

Foreign currencies translation adjustments

     —         (146     (146

Transfer (*)

     11,482       —         11,482  

Amortization

     —         53       53  

Others

     5,667       128       5,795  
  

 

 

   

 

 

   

 

 

 

Ending balance

     32,048       15,654       47,702  
  

 

 

   

 

 

   

 

 

 

 

(*)

As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2017.

XML 92 R76.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net Defined Benefits Liability (Asset) (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of defined benefit plans [Abstract]  
Net defined benefit liability asset

 

(1)

Details of net defined benefit liability are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Defined benefit obligation

     1,175,786        1,071,170  

Fair value of plan assets

     (1,075,927      (1,027,906
  

 

 

    

 

 

 

Net defined benefit liability

     99,859        43,264  
  

 

 

    

 

 

 

 

Changes in the carrying value of defined benefit obligation

 

(2)

Changes in the carrying value of defined benefit obligation are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Beginning balance

     1,071,170        984,381  

Current service cost

     72,460        73,564  

Interest cost

     15,797        13,144  

Remeasurements

     72,374        4,639  

Foreign currencies translation adjustments

     8        (121

Retirement benefit paid

     (57,109      (31,022

Curtailment or settlement

     —          (10,076

Others

     1,086        127  
  

 

 

    

 

 

 

Ending balance

     1,175,786        1,034,636  
  

 

 

    

 

 

 

 

Changes in the plan assets

 

(3)

Changes in the plan assets are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
     For the six months
ended June 30, 2017
 

Beginning balance

     1,027,906        990,653  

Interest income

     16,626        15,127  

Remeasurements

     (9,088      (7,847

Employer’s contributions

     96,273        18,000  

Retirement benefit paid

     (55,790      (29,431

Curtailment or settlement

     —          (10,396

Others

     —          43,113  
  

 

 

    

 

 

 

Ending balance

     1,075,927        1,019,219  
  

 

 

    

 

 

 

 

Current service cost net interest expense income past service cost loss (gain) on the curtailment or settlement and loss (gain) due to remeasurements

 

(5)

Current service cost, net interest income, loss (gain) on the curtailment or settlement and remeasurements recognized in the consolidated statements of net income and total comprehensive income are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30, 2018
    For the six months
ended June 30, 2017
 

Current service cost

     72,460       73,564  

Net interest income

     (829     (1,983

Loss (gain) on the curtailment or settlement

     —         321  
  

 

 

   

 

 

 

Cost recognized in net income

     71,631       71,902  
  

 

 

   

 

 

 

Remeasurements(*)

     81,462       12,486  
  

 

 

   

 

 

 

Cost recognized in total comprehensive income

     153,093       84,388  
  

 

 

   

 

 

 

 

(*)

This is an amount before considering the tax effects.

Key actuarial assumptions used in defined benefit liability assessment

 

(6)

Key actuarial assumptions used in defined benefit liability measurement are as follows:

 

     June 30, 2018   December 31, 2017

Discount rate

   3.25%   3.18%

Future wage growth rate

   6.18%   6.18%

Mortality rate

   Issued by Korea Insurance
Development Institute
  Issued by Korea Insurance
Development Institute

Retirement rate

   Experience rate for each
employment classification
  Experience rate for each
employment classification

The weighted average maturity of defined benefit liability is 12.94 years.

Sensitivity to actuarial assumptions used in the assessment of defined benefit obligation

 

(7)

The sensitivity to actuarial assumptions used in the assessment of defined benefit obligation is as follows (Unit: Korean Won in millions):

 

          June 30, 2018      December 31, 2017  

Discount rate

   Increase by 1% point      (124,157      (116,405
   Decrease by 1% point      146,273        137,151  

Future wage growth rate

   Increase by 1% point      145,794        136,707  
   Decrease by 1% point      (125,567      (117,765
XML 93 R77.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other Financial Liabilities and Other Liabilities (Tables)
6 Months Ended
Jun. 30, 2018
Miscellaneous Liabilities [Abstract]  
Schedule of miscellaneous other liabilities [Table Text Block]

 

Other financial liabilities and other liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Other financial liabilities:

     

Accounts payable

     9,021,786        4,692,320  

Accrued expenses

     1,809,499        2,049,861  

Borrowings from trust accounts

     3,999,899        3,271,817  

Agency business revenue

     258,497        344,591  

Foreign exchange payables

     604,344        590,667  

Domestic exchange payables

     4,229,125        1,309,646  

Other miscellaneous financial liabilities

     1,487,513        1,635,156  

Present value discount

     (2,396      (1,597
  

 

 

    

 

 

 

Subtotal

     21,408,267        13,892,461  
  

 

 

    

 

 

 

 

     June 30, 2018      December 31, 2017  

Other liabilities:

     

Unearned income

     178,799        180,664  

Other miscellaneous liabilities

     124,114        103,317  
  

 

 

    

 

 

 

Subtotal

     302,913        283,981  
  

 

 

    

 

 

 

Total

     21,711,180        14,176,442  
  

 

 

    

 

 

XML 94 R78.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of detailed information about hedges [Abstract]  
Details of derivative assets and derivative liabilities

 

(1) Derivative assets and derivative liabilities are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Interest rate:

                 

Futures

     272,778        —          —          —          —          —    

Swaps

     143,307,983        12,395        218,551        —          34,540        232,719  

Purchase options

     660,000        —          10,897        —          —          —    

Written options

     785,000        —          —          —          —          11,731  

Currency:

                 

Futures

     371,529        —          —          —          —          —    

Forwards

     80,082,126        —          1,200,200        —          —          1,164,623  

Swaps

     56,427,354        —          806,790        32,965        —          750,377  

Purchase options

     2,635,551        —          36,079        —          —          —    

Written options

     4,651,496        —          —          —          —          49,352  

Equity:

                 

Futures

     124,009        —          —          —          —          —    

Swaps

     435,790        —          3,021        —          —          4,542  

Purchase options

     4,272,150        —          115,210        —          —          —    

Written options

     5,661,146        —          —          —          —          163,966  

Others:

                 

Futures

     965        —          —          —          —          —    

Forward

     5,618        —          —          —          —          —    

Swaps

     8,081        —          463        —          —          440  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     299,701,576        12,395        2,391,211        32,965        34,540        2,377,750  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

     December 31, 2017  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Interest rate:

                 

Futures

     75,845        —          —          —          —          —    

Swaps

     130,197,378        59,272        223,935        —          12,103        253,972  

Purchase options

     630,000        —          12,346        —          —          —    

Written options

     795,000        —          —          —          —          12,869  

 

     December 31, 2017  
     Nominal
amount
     Assets      Liabilities  
     For fair
value hedge
     For trading      For cash flow
hedge
     For fair
value hedge
     For trading  

Currency:

                 

Futures

     318,217        —          —          —          —          —    

Forwards

     72,526,956        —          1,314,368        —          —          1,375,799  

Swaps

     48,176,306        —          1,352,924        55,651        —          1,347,905  

Purchase options

     2,291,154        —          64,267        —          —          —    

Written options

     4,038,237        —          —          —          —          58,687  

Equity:

                 

Futures

     91,436        —          —          —          —          —    

Swaps

     15,000        —          103        —          —          10  

Purchase options

     5,060,706        —          146,775        —          —          —    

Written options

     4,504,290        —          —          —          —          99,770  

Others:

                 

Futures

     —          —          —          —          —          —    

Swaps

     7,805        —          1,057        —          —          1,037  

Purchase options

     —          —          —          —          —          —    

Written options

     5,000        —          —          —          —          100  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     268,733,330        59,272        3,115,775        55,651        12,103        3,150,149  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Derivatives held for trading are classified into financial assets at FVTPL (Note 7) and financial liabilities at FVTPL (Note 20), and derivatives held for hedging are presented as a separate line item in the consolidated statements of financial position.

Details of nominal amounts of the hedging instrument

 

(3)

The nominal amounts of the hedging instrument as of June 30, 2018 are as follows (Unit: USD, SGD):

 

     1 year or less      1 year to 5 years      More than 5 years      Total  

Fair value hedging derivatives

           

Interest rate risk

 

Interest rate swap (USD)

     500,000,000        1,350,000,000        1,000,000,000        2,850,000,000  

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

           

Currency swap (USD)

     50,000,000        450,000,000        —          500,000,000  

Foreign currencies translation risk

 

Currency swap (SGD)

     —          204,000,000        —          204,000,000  
Details of average interest rate and average currency rate of the hedging instrument

 

(4)

The average interest rate and average currency rate of the hedging instrument as of June 30, 2018 are as follows:

 

    

Average interest rate and average currency rate

Fair value hedging derivatives

  

Interest rate risk

  

Interest rate swaps (USD)

   Fixed 3.98% receipt and 3.96% floating paid

Cash flow hedge

  

Foreign currencies translation risk and interest rate risk

  

Currency swap (USD)

   USD 2.65% receipt, KRW 1.71% paid, USD/KRW = 1,173 Won

Foreign currencies translation risk

  

Currency swap (SGD)

   SGD 1.91% receipt, KRW 1.98% paid, SGD/KRW = 828 Won
Details of amounts related to items designated as heding instruments

 

(5)

The amounts related to items designated as hedging instruments as of June 30, 2018 are as follows (Unit: Korean Won in millions, USD, SGD):

 

            Carrying amounts of
the hedging instrument
     Line item in the
statement of
financial
position where
the hedging
instrument is
located
        
     Nominal amounts of
the hedging
instrument
     Assets      Liabilities      Changing in fair
value used for
calculating
hedge
ineffectiveness
 

Fair value hedge

 

Interest rate risk

 

Interest rate swaps

     USD2,850,000,000        12,395        34,540       


Derivative
assets,
Derivative
liabilities
 
 
 
 
     (62,246

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

              

Currency swap

     USD500,000,000        —          27,594       
Derivative
liabilities
 
 
     22,013  

Foreign currencies translation risk

 

Currency swap

     SGD204,000,000        —          5,372       
Derivative
liabilities
 
 
     672  
Details of carrying amount to hedge and amount due to hedge accounting

 

(6)

Details of carrying amount to hedged and amount adjusted due to hedge accounting as of June 30, 2018 are as follows (Unit: Korean won in millions):

 

     Carrying amounts of
the hedging item
     Accumulated amount of
fair value hedge
adjustments on the hedged
item included in the
carrying amount of the
hedged item
     Line item in the
statement of
financial
position in
which the
hedged item is
included
     Changing in
fair value
used for
calculating
hedge
ineffectiveness
    Cash flow
hedge
reserve (*)
 
     Assets      Liabilities      Assets      Liabilities  

Fair value hedging

 

Interest rate risk

 

Debenture

     —          3,150,145        —          60,732        Debentures        66,455       —    

Cash flow hedge

 

Foreign currencies translation risk and interest rate risk

                   

Debenture

     —          558,258        —          —          Debentures        (21,725     (1,665

Foreign currencies translation risk

                   

Debenture

     —          166,229        —          —          Debentures        (505     (3,770

 

(*)

Amount after tax deduction

Details of amounts recognized in profit or loss due to the ineffective portion of fair value hedges

 

(7)

Amounts recognized in profit or loss due to the ineffective portion of fair value hedges during the current period are as follows (Unit: Korean Won in millions):

 

          Hedge ineffectiveness
recognized in profit or
loss
     Line item in the profit that
includes hedge
ineffectiveness

Fair value hedge

   Interest rate risk      4,209      Other net operating
income
Details of reclassification of profit or loss from other comprehensive income and equity related to cash flow hedges

 

(8)

Reclassification of profit or loss from other comprehensive income and equity related to cash flow hedges is as follows (Unit: Korean Won in millions):

 

          Changes in
the value of
hedging
instruments
recognized in
cash flow
hedge reserve
     Hedge
ineffectiveness
recognized
in profit
or loss
    Line item in the
profit or loss that
includes hedge
ineffectiveness
   Amounts
reclassified
from cash
flow hedge
reserve to
profit or
loss
     Line item
affected in profit
or loss because of
the
reclassification

Cash flow hedge

  

Foreign currencies translation risk and interest rate risk

     22,043        (30   Other net
operating
expense
     25,049      Other net
operating income
  

Foreign currencies translation risk

     672        —       Other net
operating
income
     3,894      Other net
operating income

 

XML 95 R79.htm IDEA: XBRL DOCUMENT v3.10.0.1
Deferred Day 1 Profit or Loss (Tables)
6 Months Ended
Jun. 30, 2018
Deferred Day One Profit Or Loss [Abstract]  
Changes in deferred day one profits or losses [Table Text Block]

 

Changes in deferred day 1 profits or losses are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Beginning balance

     7,416        13,422  

New transactions

     20,820        500  

Amounts recognized in losses

     (3,000      (3,613
  

 

 

    

 

 

 

Ending balance

     25,236        10,309  
  

 

 

    

 

 

XML 96 R80.htm IDEA: XBRL DOCUMENT v3.10.0.1
Capital Stock and Capital Surplus (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure Of Issued Capital And Miscellaneous Equity [Abstract]  
Number of authorized shares and others

 

(1)

The number of shares authorized and others are as follows:

 

     June 30, 2018      December 31, 2017  

Shares of common stock authorized

     5,000,000,000 Shares        5,000,000,000 Shares  

Par value

     5,000 Won        5,000 Won  

Shares of common stock issued

     676,000,000 Shares        676,000,000 Shares  

Capital stock

     3,381,392 million Won        3,381,392 million Won  
Disclosure of issued capital and capital surplus [Table Text Block]

 

(3)

Details of capital surplus are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Capital in excess of par value

     269,533        269,533  

Other capital surplus

     16,352        16,347  
  

 

 

    

 

 

 

Total

     285,885        285,880  
  

 

 

    

 

 

 

 

XML 97 R81.htm IDEA: XBRL DOCUMENT v3.10.0.1
Hybrid Securities (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of other equity interest [Abstract]  
Schedule of other equity interest [Table Text Block]

 

The bond-type hybrid securities classified as owner’s equity are as follows (Unit: Korean Won in millions):

 

     Issue date      Maturity      Interest rate
(%)
     June 30,
2018
    December 31,
2017
 

Securities in local currency

     June 20, 2008        June 20, 2038        7.7        —         255,000  
     April 25, 2013        April 25, 2043        4.4        500,000       500,000  
     November 13, 2013        November 13, 2043        5.7        200,000       200,000  
     December 12, 2014        December 12, 2044        5.2        160,000       160,000  
     June 3, 2015        June 3, 2045        4.4        240,000       240,000  

Securities in foreign currencies

     June 10, 2015        June 10, 2045        5.0        559,650       559,650  
     September 27, 2016        —          4.5        553,450       553,450  
     May 16, 2017        —          5.3        562,700       562,700  

Issuance cost

              (12,544     (12,912
           

 

 

   

 

 

 

Total

              2,763,256       3,017,888  
           

 

 

   

 

 

 
XML 98 R82.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other Equity (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure Of Other Equity [Abstract]  
Details of other equity

 

(1)

Details of other equity are as follows (Unit: Korean Won in millions):

 

     June 30, 2018     December 31, 2017  

Accumulated other comprehensive loss:

    

Net gain or loss on valuation of financial assets at FVTOCI

     (46,746     —    

Gain on valuation of AFS financial assets

     —         301,930  

Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk

     29       —    

Share of other comprehensive loss of joint ventures and associates

     (1,446     (1,251

Loss on foreign currency translation of foreign operations

     (206,037     (242,700

Remeasurement loss related to defined benefit plan

     (211,838     (152,624

Gain (loss) on valuation of cash flow hedges

     (5,436     777  

Equity related to assets held for sale

     (564     4,145  
  

 

 

   

 

 

 

Subtotal

     (472,038     (89,723
  

 

 

   

 

 

 

Treasury shares

     (34,113     (34,113

Other capital adjustments

     (1,607,647     (1,815,438
  

 

 

   

 

 

 

Total

     (2,113,798     (1,939,274
  

 

 

   

 

 

 

 

Changes in the accumulated other comprehensive income or loss

 

(2)

Changes in the accumulated other comprehensive loss are as follows (Unit: Korean Won in millions):

 

     For the six months ended June 30, 2018  
     Beginning
balance (*1)
     Increase
(decrease) (*2)
     Reclassification
adjustments
     Income tax
effect
     Ending
balance
 

Net gain or loss on valuation of financial assets at FVTOCI

     (88,906      58,846        (694      (15,992      (46,746

Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk

     (96      172        —          (47      29  

Share of other comprehensive gain (loss) of joint ventures and associates

     (2,656      1,669        —          (459      (1,446

Gain (loss) on foreign currency translation of foreign operations

     (242,806      50,717        —          (13,948      (206,037

Remeasurement gain (loss) related to defined benefit plan

     (152,358      (82,041      —          22,561        (211,838

Gain (loss) on valuation of cash flow hedges

     777        (8,570      —          2,357        (5,436

Transfer to non-current assets held for sale

     4,145        (564      (4,145      —          (564
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     (481,900      20,229        (4,839      (5,528      (472,038
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*1)

The beginning balance was restated in accordance with IFRS 9.

(*2)

Net gain or loss on valuation of financial assets at FVTOCI included the 1,500 million Won transfer to retained earnings due to disposal of equity securities.

 

     For the six months ended June 30, 2017  
     Beginning
balance
     Increase
(decrease)(*)
     Reclassification
adjustments(*)
     Income tax
effect
     Ending
balance
 

Gain (loss) on valuation of AFS financial assets

     386,981        46,479        (81,114      5,602        357,948  

Share of other comprehensive income (loss) of joint ventures and associates

     (1,863      2,038        —          (531      (356

Gain (loss) on foreign currency translation of foreign operations

     (48,353      (81,571      —          17,627        (112,297

Remeasurement gain (loss) related to defined benefit plan

     (163,397      (12,642      —          3,020        (173,019

Gain (loss) on valuation of cash flow hedges

     —          (1,947      —          421        (1,526
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

     173,368        (47,643      (81,114      26,139        70,750  
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

(*)

For the change in gain (loss) on valuation of AFS financial assets, “increase (decrease)” represents change due to the valuation during the period, and “reclassification adjustments” represents disposal or recognition of impairment losses on AFS financial assets.

 

XML 99 R83.htm IDEA: XBRL DOCUMENT v3.10.0.1
Retained Earnings (Tables)
6 Months Ended
Jun. 30, 2018
Retained Earnings Note Disclosure [Abstract]  
Schedule of appropriated and unappropriated retained earnings [Table Text Block]

 

(1)

Details of retained earnings are as follows (Unit: Korean Won in millions):

 

          June 30, 2018     December 31, 2017  

Legal reserve

   Earned surplus reserve      1,857,754       1,729,754  
   Other legal reserve      46,384       45,668  
     

 

 

   

 

 

 
  

Subtotal

     1,904,138       1,775,422  
     

 

 

   

 

 

 

Voluntary reserve

   Business rationalization reserve      8,000       8,000  
  

Reserve for financial structure improvement

     235,400       235,400  
   Additional reserve      7,759,804       7,418,806  
   Regulatory reserve for credit loss      2,578,457       2,438,191  
   Revaluation reserve      715,860       751,964  
   Other voluntary reserve      —         11,700  
     

 

 

   

 

 

 
  

Subtotal

     11,297,521       10,864,061  
     

 

 

   

 

 

 

Conversion of loss on disposal of equity securities at FVTOCI to retained earnings

     (424     —    

Derecognition of the credit risk on financial liabilities designated at FVTPL

     5       —    

Retained earnings before appropriation

     3,272,213       2,980,523  
  

 

 

   

 

 

 

Total

     16,473,453       15,620,006  
  

 

 

   

 

 

 

 

Changes in retained earnings [Table Text Block]

 

(2)

Changes in retained earnings are as follows (Unit: Korean Won in millions):

 

    

For the six months ended June 30

 
     2018 (*)     2017  

Beginning balance

     15,797,097       14,611,566  

Net attributable to owners

     1,305,878       1,098,361  

Dividends on common stock

     (336,636     (269,308

Dividends on hybrid securities

     (75,603     (90,823

Loss on disposal of equity securities at FVTOCI

     (424     —    

Derecognition of the credit risk on financial liabilities designated at FVTPL

     5       —    

Capital adjustments due to appropriation of retained earnings

     (216,864     —    
  

 

 

   

 

 

 

Ending balance

     16,473,453       15,349,796  
  

 

 

   

 

 

 

 

(*)

The beginning balance as of 2018 was restated in accordance with IFRS 9.

XML 100 R84.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net Interest Income (Tables)
6 Months Ended
Jun. 30, 2018
Interest Revenue (Expense), Net [Abstract]  
Details of interest income

 

(1)

Interest income recognized is as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Financial assets at FVTPL (IFRS 9)

     13,367        28,537        —          —    

Financial assets at FVTPL (IAS 39)

     —          —          13,074        26,806  

Financial assets at FVTOCI

     62,170        119,446        —          —    

AFS financial assets

     —          —          67,667        144,067  

Securities at amortized cost

     87,587        168,789        —          —    

HTM financial assets

     —          —          74,690        149,673  

Financial assets at amortized cost:

           

Interest on due from banks

     28,323        61,461        —          —    

Interest on loans

     2,170,291        4,251,497        —          —    

Interest of other receivables

     6,931        13,686        —          —    
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     2,205,545        4,326,644        —          —    
  

 

 

    

 

 

    

 

 

    

 

 

 

Loans and receivables:

           

Interest on due from banks

     —          —          20,182        41,403  

Interest on loans

     —          —          1,921,359        3,810,008  

Interest of other receivables

     —          —          8,836        17,627  
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     —          —          1,950,377        3,869,038  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     2,368,669        4,643,416        2,105,808        4,189,584  
  

 

 

    

 

 

    

 

 

    

 

 

Details of interest expense

 

(2)

Interest expense recognized is as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Interest on deposits due to customers

     704,007        1,358,964        586,051        1,174,384  

Interest on borrowings

     70,519        129,929        57,666        115,548  

Interest on debentures

     174,890        346,948        154,445        305,804  

Other interest expense

     21,930        43,101        20,070        43,528  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     971,346        1,878,942        818,232        1,639,264  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 101 R85.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net Fees and Commissions Income (Tables)
6 Months Ended
Jun. 30, 2018
Fee and commission income (expense) [Abstract]  
Schedule of fee and commission income [Table Text Block]

 

(1)

Details of fees and commissions income recognized are as follows (Unit: Korean Won in millions):

 

    2018     2017  
    Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Fees and commissions received (*)

    169,171       346,925       163,688       336,322  

Fees and commissions received for provision of guarantee

    14,660       30,263       15,911       31,700  

Fees and commissions received on project financing

    10,528       16,945       4,614       6,334  

Fees and commissions received on credit card

    283,407       556,984       268,887       527,566  

Fees and commissions received on securities

    23,767       50,238       19,757       40,267  

Other fees and commissions received

    53,867       111,651       33,424       71,704  
 

 

 

   

 

 

   

 

 

   

 

 

 

Total

    555,400       1,113,006       506,281       1,013,893  
 

 

 

   

 

 

   

 

 

   

 

 

 

 

(*)

Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others.

Schedule of fee and commission expense [Table Text Block]

 

(2)

Details of fees and commissions expense incurred are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Fees and commissions paid

     41,532        80,866        41,930        73,167  

Credit card commission

     213,887        425,204        200,275        400,349  

Brokerage commission

     934        1,268        121        348  

Others

     1,700        3,013        1,207        2,329  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     258,053        510,351        243,533        476,193  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 102 R86.htm IDEA: XBRL DOCUMENT v3.10.0.1
Dividend Income (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure Of Revenue From Dividends [Abstract]  
Schedule of revenue from dividends [Table Text Block]

 

(1)

Details of dividend income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Financial assets at FVTPL (IFRS 9)

     12,210        31,860        —          —    

Financial assets at FVTPL (IAS 39)

     —          —          47        190  

Financial assets at FVTOCI

     1,941        17,844        —          —    

AFS financial assets

     —          —          19,570        59,255  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     14,151        49,704        19,617        59,445  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

Details of dividend income related to financial assets at fair value through other comprehensive income

 

(2)

Details of dividends related to financial assets at FVTOCI are as follows (Unit: Korean Won in millions):

 

     Six month ended
June 30, 2018
 

Dividend income recognized from assets held

  

Equity securities

     17,570  

Dividend income recognized in assets derecognized

     274  
  

 

 

 

Total

     17,844  
  

 

 

 

 

XML 103 R87.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net gain or loss on financial instruments at fair value through profit or loss mandatorily measured at fair value (IFRS 9 and IAS 39) (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of gains (losses) on financial instruments at fair value through profit or loss [Abstract]  
Details of gains or losses related to financial assets at fair value through profit or loss

 

(1)

Details of gains or losses related to net gain or loss on financial instruments at FVTPL (IFRS 9 and IAS 39) are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
    Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on financial assets at fair value through profit or loss mandatorily measured at fair value

     70,116       114,146        —         —    

Gains (losses) on financial instruments held for trading

     —         —          36,266       (60,186

Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition

     (2,423     2,877        —         —    

Losses on financial instruments at fair value through profit or loss designated as upon initial recognition

     —         —          (24,200     (86,223
  

 

 

   

 

 

    

 

 

   

 

 

 

Total

     67,693       117,023        12,066       (146,409
  

 

 

   

 

 

    

 

 

   

 

 

Gains or losses on financial assets held for trading

 

(2)

Details of net gain or loss on financial instrument at fair value through profit or loss mandatorily measured at fair value and financial assets held for trading are as follows (Unit: Korean Won in millions):

 

            2018     2017  
            Three months
ended
June 30
    Six months
ended
June 30
    Three months
ended
June 30
    Six months
ended
June 30
 

Financial assets at FVTPL (financial assets held for trading)

  Securities   Gain on valuation     36,982       81,861       1,055       5,895  
    Gain on disposals     18,885       22,377       3,936       9,860  
    Loss on valuation     (11,957     (23,795     (2,785     (6,511
    Loss on disposals     (7,481     (9,180     (1,308     (2,057
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    36,429       71,263       898       7,187  
     

 

 

   

 

 

   

 

 

   

 

 

 
  Loans   Gain on valuation     373       3,191       —         —    
    Loss on valuation     (107     (127     —         —    
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    266       3,064       —         —    
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Other financial assets

  Gain on valuation     228       1,969       1,495       3,071  
  Gain on disposals     143       405       814       933  
    Loss on valuation     (320     (2,193     (1,971     (3,590
    Loss on disposals     (11     (83     (211     (234
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    40       98       127       180  
     

 

 

   

 

 

   

 

 

   

 

 

 
  Total of financial assets held for trading     36,735       74,425       1,025       7,367  
     

 

 

   

 

 

   

 

 

   

 

 

 

 

            2018     2017  
            Three months
ended
June 30
    Six months
ended
June 30
    Three months
ended
June 30
    Six months
ended
June 30
 
Derivatives (for trading)  

Interest rates derivatives

 

Gain on transactions and valuation

    231,372       600,362       201,637       433,349  
   

Loss on transactions and valuation

    (247,381     (594,525     (198,170     (421,734
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    (16,009     5,837       3,467       11,615  
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Currency derivatives

 

Gain on transactions and valuation

    2,546,154       3,535,106       (94,206     3,773,565  
   

Loss on transactions and valuation

    (2,502,934     (3,505,890     105,055       (3,943,609
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    43,220       29,216       10,849       (170,044
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Equity derivatives

 

Gain on transactions and valuation

    115,712       249,364       92,302       302,927  
   

Loss on transactions and valuation

    (109,288     (244,063     (71,116     (211,551
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    6,424       5,301       21,186       91,376  
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Other derivatives

 

Gain on transactions and valuation

    2,142       2,790       2,295       12,312  
   

Loss on transactions and valuation

    (2,396     (3,423     (2,556     (12,812
     

 

 

   

 

 

   

 

 

   

 

 

 
   

Subtotal

    (254     (633     (261     (500
     

 

 

   

 

 

   

 

 

   

 

 

 
  Total of derivatives (for trading)     33,381       39,721       35,241       (67,553
     

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    70,116       114,146       36,266       (60,186
 

 

 

   

 

 

   

 

 

   

 

 

 

 

Gains or losses on financial assets designated at fair value through profit or loss

 

(3)

Details of net gain or loss on financial instrument at fair value through profit or loss designated as upon initial recognition are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Gain (loss) on equity-linked securities:

           

Loss on disposals of equity-linked securities

     (1,203      (1,534      (3,686      (15,877

Gain (loss) on valuation of equity-linked securities

     (2,164      2,814        (20,667      (69,714
  

 

 

    

 

 

    

 

 

    

 

 

 

Subtotal

     (3,367      1,280        (24,353      (85,591
  

 

 

    

 

 

    

 

 

    

 

 

 

Loss on other securities:

           

Loss on valuation of other securities

     —          —          (114      (16
  

 

 

    

 

 

    

 

 

    

 

 

 

Gain (loss) on other financial instruments:

           

Gain (loss) on valuation of other financial instruments

     944        1,597        267        (616
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     (2,423      2,877        (24,200      (86,223
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 104 R88.htm IDEA: XBRL DOCUMENT v3.10.0.1
Gains (losses) on financial assets at vair value through other comprehensiveIncome and available-for-sale financial assets (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of gains losses recognised in profit or loss available-for-sale securities [Abstract]  
Details of Gains (Losses) on financial assets at fair value through other comprehensive income and available-for-sale financial assets

 

Details of net gain on financial assets at FVTOCI and AFS financial assets recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on redemption of securities

     11        16        220       547  

Gains on transaction of securities

     464        1,271        95,019       116,262  

Impairment losses on securities

     —          —          (6,852     (12,637
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     475        1,287        88,387       104,172  
  

 

 

    

 

 

    

 

 

   

 

 

 
XML 105 R89.htm IDEA: XBRL DOCUMENT v3.10.0.1
Impairment Losses Due to Credit Loss (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of impairment loss and reversal of impairment loss [Abstract]  
Impairment losses on loans and receivables guarantees and loan commitment recognized for credit loss

 

38.

REVERSAL OF ALLOWANCE FOR (IMPAIRMENT LOSSES DUE TO) CREDIT LOSS

Reversal of allowance for (Impairment losses due to) credit loss are as follows (Unit: Korean Won in millions):

 

     2018     2017  
     Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Reversal of credit loss on financial assets at FVTOCI

     (679     (459     —         —    

Reversal of credit loss on securities at amortized cost losses

     (199     (191     —         —    

Provision for credit loss on loans and other financial assets at amortized cost

     76,699       (61,057     —         —    

Impairment losses due to credit loss

     —         —         (211,842     (333,976

Reversal of provision on guarantee

     76,354       86,990       16,071       44,968  

Reversal of provision on (provision for) loan commitment

     (1,502     3,155       (8,715     5,245  
  

 

 

   

 

 

   

 

 

   

 

 

 

Total

     150,673       28,438       (204,486     (283,763
  

 

 

   

 

 

   

 

 

   

 

 

 

 

XML 106 R90.htm IDEA: XBRL DOCUMENT v3.10.0.1
General administrative expenses and other operating incomes (expenses) (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of general administrative expenses and other operating income (expense) [Abstract]  
Details of administrative expenses

 

(1)

Details of general and administrative expenses recognized are as follows (Unit: Korean Won in millions):

 

            2018     2017  
            Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 
Salaries  

Short term employee benefits

  Salaries     341,645       644,663       326,034       654,191  
  Employee benefits     108,933       213,627       114,170       213,600  
  Retirement benefit service costs     36,610       72,936       36,972       74,057  
  Termination     20,994       20,994       5,477       5,477  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Subtotal

    508,182       952,220       482,653       947,325  
   

 

 

   

 

 

   

 

 

   

 

 

 

 

F-90


            2018     2017  
            Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 
Depreciation and amortization     52,222       99,698       45,380       94,927  

Other general and administrative expenses

  Rent     79,546       159,126       76,297       156,708  
  Taxes and public dues     38,275       67,385       34,077       63,178  
  Service charges     52,807       104,970       47,611       96,418  
  Computer and IT related     21,704       43,581       16,089       30,477  
 

Telephone and communication

    16,819       33,729       16,111       31,590  
  Operating promotion     9,339       19,768       10,003       21,053  
  Advertising     13,808       20,493       22,434       29,880  
  Printing     1,928       3,892       2,095       4,237  
  Traveling     2,679       6,034       2,920       6,024  
  Supplies     1,737       3,223       1,517       3,117  
  Insurance premium     1,961       4,002       1,956       4,169  
  Reimbursement     4,964       5,902       4,710       9,177  
  Maintenance     3,672       8,027       3,331       6,882  
  Water, light, and heating     2,809       7,203       2,883       7,146  
  Vehicle maintenance     2,379       4,594       2,602       4,964  
  Others     12,823       23,491       11,488       21,155  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Subtotal

    267,250       515,420       256,124       496,175  
   

 

 

   

 

 

   

 

 

   

 

 

 
 

Total

    827,654       1,567,338       784,157       1,538,427  
 

 

 

   

 

 

   

 

 

   

 

 

 

 

Details of other operating incomes

 

(2)

Details of other operating income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gains on transaction of foreign exchange

     157,245        847,397        619,297       1,698,987  

Gains on disposal of loans and receivables (*1)

     —          —          14,861       201,860  

Gains related to derivatives

     26,373        28,943        11,592       11,656  

Gains on fair value hedged items

     18,861        66,555        (7,094     11,860  

Others (*2)

     1,741        17,522        5,813       68,668  
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     204,220        960,417        644,469       1,993,031  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(*1)

Gain on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for gain related to financial assets at amortized cost in accordance with the adoption of IFRS 9.

(*2)

Other income includes such income amounting to 28,800 million Won for the six months ended June 30, 2017, respectively, that the Group recognized for it is to receive from other creditor financial institutions in accordance with the creditor financial institutions committee agreement.

 

Details of other operating expenses

 

(3)

Details of other operating expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Losses on transactions of foreign exchange

     114,971        726,348        534,740       1,374,764  

KDIC deposit insurance premium

     79,585        156,765        77,146       150,256  

Contribution to miscellaneous funds

     73,849        146,781        71,927       144,262  

Losses (Gains) on disposals of loans and receivables (*1)

     —          —          (40     28  

Losses (Gains) related to derivatives

     13,059        62,366        (16,441     31,131  

Losses on fair value hedged items

     —          —          15,820       15,846  

Others (*2)

     45,707        87,571        38,584       75,554  
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     327,171        1,179,831        721,736       1,791,841  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

(*1)

Loss on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for loss related to financial assets at amortized cost in accordance with the adoption of IFRS 9.

(*2)

Other expense includes such expenses amounting to 1,412 million Won and 3,325 million Won for the six months ended June 30, 2018 and 2017, respectively, which are related to the Group’s expected payments to other creditor financial institutions in accordance with the creditor financial institutions committee agreement. In addition, ‘Other expense’ for the six months ended June 30, 2018 and 2017 includes 25,179 million Won and 24,443 million Won, respectively, of intangible asset amortization expense.

XML 107 R91.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other non-operating income (expense) (Tables)
6 Months Ended
Jun. 30, 2018
Other non-operating income (expense) [Abstract]  
Details of gain or loss on valuation of investments in joint ventures and associates

 

(1)

Details of gains or losses on valuation of investments in joint ventures and associates are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Gain on valuation

     10,687        15,347        (10,061     3,316  

Loss on valuation

     (3,006      (16,809      521       (62,271

Impairment loss

     —          —          (5,323     (5,323
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     7,681        (1,462      (14,863     (64,278
  

 

 

    

 

 

    

 

 

   

 

 

 

 

Other non-operating incomes and expenses

 

(2)

Details of other non-operating income and expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
    Six months
ended June 30
 

Other non-operating income

     23,345        39,041        30,411       77,185  

Other non-operating expenses

     (21,947      (43,762      (18,714     (67,187
  

 

 

    

 

 

    

 

 

   

 

 

 

Total

     1,398        (4,721      11,697       9,998  
  

 

 

    

 

 

    

 

 

   

 

 

 

 

Details of other non-operating incomes

 

(3)

Details of other non-operating income recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Rental fee income

     1,687        3,203        1,880        3,700  

Gains on disposal of investments in joint ventures and associates

     —          —          4,466        32,886  

Gains on disposal of premises and equipment, intangible assets and other assets

     15,760        17,037        1,494        1,675  

Reversal of impairment loss of premises and equipment, intangible assets and other assets

     1        341        —          32  

Others

     5,897        18,460        22,571        38,892  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     23,345        39,041        30,411        77,185  
  

 

 

    

 

 

    

 

 

    

 

 

Details of other non-operating expenses

 

(4)

Details of other non-operating expenses recognized are as follows (Unit: Korean Won in millions):

 

     2018      2017  
     Three months
ended June 30
     Six months
ended June 30
     Three months
ended June 30
     Six months
ended June 30
 

Depreciation on investment properties

     1,004        2,010        992        1,991  

Interest expense of rent leasehold deposits

     150        292        105        223  

Losses on disposal of investment in joint ventures and associates

     —          2,931        46        27,730  

Losses on disposal of premises and equipment, intangible assets and other assets

     167        221        271        608  

Impairment losses of premises and equipment, intangible assets and other assets

     2        2        40        160  

Donation

     8,551        22,042        10,426        14,980  

Others

     12,073        16,264        6,834        21,495  
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

     21,947        43,762        18,714        67,187  
  

 

 

    

 

 

    

 

 

    

 

 

 

 

XML 108 R92.htm IDEA: XBRL DOCUMENT v3.10.0.1
Income Tax Expense (Tables)
6 Months Ended
Jun. 30, 2018
Major components of tax expense (income) [Abstract]  
Details of income tax expenses

 

(1)

Details of income tax expenses are as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018     2017  

Current tax expense

    

Current tax expense in respect of the current period

     231,393       284,030  

Adjustments recognized in the current period in relation to the current tax of prior periods

     (3,632     (4,919
  

 

 

   

 

 

 

Subtotal

     227,761       279,111  
  

 

 

   

 

 

 

Deferred tax expense

    

Deferred tax assets (liabilities) relating to the origination and reversal of temporary differences

     182,515       13,889  

Deferred tax charged directly to equity

     (378     27,933  

Others (tax effect charged directly to equity due to the adoption of IFRS 9)

     75,318       —    
  

 

 

   

 

 

 

Subtotal

     257,455       41,822  
  

 

 

   

 

 

 

Income tax expense

     485,216       320,933  
  

 

 

   

 

 

Relationship between net income loss before income tax expense and Income tax expense benefit

 

(2)

Income tax expense reconciled to net income before income tax expense is as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018     2017  

Net income before income tax expense

     1,801,532       1,429,948  

Tax calculated at statutory tax rate (*)

     490,240       345,585  

Adjustments

    

Effect of income that is exempt from taxation

     (19,695     (32,683

Effect of expense not deductible in determining taxable profit

     9,395       9,624  

Adjustments recognized in the current period in relation to the current tax of prior periods

     (3,632     (4,919

Others

     8,908       3,326  
  

 

 

   

 

 

 

Subtotal

     (5,024     (24,652
  

 

 

   

 

 

 

Income tax expense

     485,216       320,933  
  

 

 

   

 

 

 

Effective tax rate

     26.9     22.4
  

 

 

   

 

 

 

 

(*)

The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won.

Changes in Deferred tax assets and liabilities

 

(3)

Details of accumulated deferred tax charged directly to equity are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Net gain on valuation of financial assets at FVTOCI

     18,568        —    

Loss on valuation of AFS securities

     —          (114,169

Share of other comprehensive gain (loss) of joint ventures and associates

     378        (954

Foreign currency translation of foreign operations

     6,852        15,855  

Remeasurements of the net defined benefit liability

     78,685        56,317  

Gain (loss) on cash flow hedge

     1,735        (248
  

 

 

    

 

 

 

Total

     106,218        (43,199
  

 

 

    

 

 

 

 

XML 109 R93.htm IDEA: XBRL DOCUMENT v3.10.0.1
Earnings per Share (Tables)
6 Months Ended
Jun. 30, 2018
Earnings per share [Abstract]  
Details of earnings per share

 

Basic EPS is calculated by dividing net income by weighted average number of common shares outstanding (Unit: Korean Won in millions, except for EPS and number of shares):

 

     2018     2017  
     Three months
ended June 30
    Six months
ended June 30
    Three months
ended June 30
    Six months
ended June 30
 

Net income attributable to Owners

     716,142       1,305,878       460,888       1,098,361  

Dividends to hybrid securities

     (37,748     (75,603     (41,557     (90,823

Net income attributable to common shareholders

     678,394       1,230,275       419,331       1,007,538  

Weighted average number of common shares outstanding

    
673 shares
in million
 
 
   
673 shares
in million
 
 
   
673 shares
in million
 
 
   
673 shares
in million
 
 

Basic EPS

     1,008       1,828       623       1,497  

Diluted EPS is equal to basic EPS because there is no dilution effect for the three and six months ended June 30, 2018 and 2017.

XML 110 R94.htm IDEA: XBRL DOCUMENT v3.10.0.1
Contingent Liabilities and Commitments (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of contingent liabilities [Abstract]  
Details of guarantees

 

(1)

Details of guarantees are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Confirmed guarantees

     

Guarantee for loans

     141,193        157,299  

Acceptances

     333,365        320,519  

Guarantees in acceptances of imported goods

     106,675        108,238  

Other confirmed guarantees

     5,981,767        6,288,965  
  

 

 

    

 

 

 

Sub-total

     6,563,000        6,875,021  
  

 

 

    

 

 

 

Unconfirmed guarantees

     

Local letter of credit

     365,302        383,117  

Letter of credit

     3,207,797        3,637,787  

Other unconfirmed guarantees

     936,971        505,689  
  

 

 

    

 

 

 

Sub-total

     4,510,070        4,526,593  
  

 

 

    

 

 

 

Commercial paper purchase commitments and others

     1,299,503        1,458,101  
  

 

 

    

 

 

 

Total

     12,372,573        12,859,715  
  

 

 

    

 

 

 

 

Details of loan commitments and others

 

(2)

Details of loan commitments and others are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  

Loan commitments

     98,251,006        80,760,325  

Other commitments

     5,942,784        4,546,090  
Litigation case [Table Text Block]

 

(3)

Litigation case

Legal cases where the Group is involved are as follows (Unit: Korean Won in millions):

 

     June 30, 2018      December 31, 2017  
     As plaintiff      As defendant      As plaintiff      As defendant  

Number of cases (*)

     68 cases        161 cases        83 cases        155 cases  

Amount of litigation

     443,234        256,147        413,267        244,767  

Provisions for litigations

        19,887           9,277  

 

(*)

The number of lawsuits as of June 30, 2018 and December 31, 2017 does not include fraud lawsuits, etc. and those lawsuits that are filed only to extend the statute of limitation.

XML 111 R95.htm IDEA: XBRL DOCUMENT v3.10.0.1
Related Party Transactions (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of transactions between related parties [Abstract]  
Details of related parties

 

(1)

Related parties

 

    

Related parties

Associates

   Kumho Tire Co., Inc., Woori Service Networks Co., Ltd., Korea Credit Bureau Co., Ltd., Korea Finance Security Co., Ltd., Chin Hung International Inc., STX Corporation, 2016KIF-IMM Woori Bank Technology Venture Fund, K BANK Co., Ltd., Well to Sea No. 3 Private Equity Fund, and Others (Dongwoo C & C Co., Ltd. and other 25 associates)
Assets and liabilities from transactions with related parties

 

(2)

Assets and liabilities from transactions with related parties are as follows (Unit: Korean Won in millions):

 

Related party

  

A title of account

   June 30,
2018
    December 31,
2017
 

Associates

  

Kumho Tire Co., Inc.

   Loans      257,856       170,917  
      Loss allowance      (62,957     (156,712
      Deposits due to customers      482       666  
      Other liabilities      489       50  
  

Woori Service Networks Co., Ltd.

   Loans      22       45  
      Deposits due to customers      1,732       1,311  
      Other liabilities      339       357  
  

Korea Credit Bureau Co., Ltd.

   Loans      4       6  
      Deposits due to customers      1,063       5,586  
      Other liabilities      6       54  
  

Korea Finance Security Co., Ltd.

   Loans      42       56  
      Loss allowance      (2     —    
      Deposits due to customers      3,078       2,854  
      Other liabilities      4       7  
  

Chin Hung International Inc.

   Loans      182       408  
      Loss allowance      (24     (22
      Deposits due to customers      61,551       46,220  
      Other liabilities      2,899       1,658  
  

Poonglim Industrial Co., Ltd. (*1)

   Deposits due to customers      —         4  
  

STX Engine Co., Ltd. (*2)

   Loans      —         106,176  
      Loss allowance      —         (88,734
      Deposits due to customers      —         18,092  
      Other liabilities      —         29  
  

STX Corporation

   Loans      73,519       47,711  
      Loss allowance      (49,734     (31,210
      Deposits due to customers      2,130       77,555  
      Other liabilities      131       80  

Associates

  

K BANK Co., Ltd.

   Loans      103       212  
  

Well to Sea No.3 Private Equity Fund

   Loans      85,000       73,810  
      Loss allowance      (85     (39
      Deposits due to customers      3,213       61  
      Other liabilities      69       27  

 

Related party

  

A title of account

   June 30,
2018
     December 31,
2017
 
   Others (*3)    Loans      260        499  
      Loss allowance      (235)        (471)  
      Other assets      1        1  
      Deposits due to customers      6,369        2,906  
      Other liabilities      153        73  

 

(*1)

The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates

(*2)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

(*3)

Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017.

Gain or loss from transactions with related parties

 

(3)

Gain or loss from transactions with related parties are as follows (Unit: Korean Won in millions):

 

          For the six months
ended June 30
 

Related party

  

A title of account

   2018      2017  

Corporation that has significant influence over the group

  

KDIC (*1)

  

Interest expenses

     —          15,331  

Associates

  

Kumho Tire Co., Inc.

  

Interest income

     1,098        1,501  
     

Fees income

     —          6  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     (93,755)        1,042  
  

Woori Blackstone Korea Opportunity Private Equity Fund No.1 (*2)

  

Fees income

     —          29  
  

Woori Service Networks Co., Ltd.

  

Other income

     15        15  
  

Interest expenses

     7        13  
     

Fees expenses

     270        335  
     

Other expenses

     231        249  
  

Korea Credit Bureau Co., Ltd.

  

Interest expenses

     21        38  
     

Fees expenses

     1,038        1,023  
  

Korea Finance Security Co., Ltd.

  

Interest expenses

     4        5  
  

Impairment losses due to credit loss

     2        —    
  

Fees expenses

     71        —    
  

Chin Hung International Inc.

  

Interest income

     —          53  
     

Fees income

     —          1  
     

Interest expenses

     21        13  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     2        (4,270)  

 

          For the six months
ended June 30
 

Related party

  

A title of account

   2018      2017  

Associates

  

STX Engine Co., Ltd (*3).

  

Interest income

     333        672  
     

Fees income

     —          28  
     

Interest expenses

     86        72  
     

Reversal of allowance for credit loss

     (88,734)        (1,835)  
  

Samho International Co., Ltd. (*4)

  

Interest income

     —          364  
  

Fees income

     —          6  
     

Interest expenses

     —          214  
     

Reversal of allowance for credit loss

     —          (116)  
  

STX Corporation

  

Interest income

     —          219  
     

Fees income

     —          58  
     

Interest expenses

     2        4  
     

Impairment losses due to credit loss (reversal of allowance for credit loss)

     18,524        (59,507)  
  

K BANK Co., Ltd.

  

Fees income

     514        396  
     

Other income

     5        1,051  
  

Well to Sea No.3

  

Interest income

     1,288        —    
  

Private Equity Fund (*5)

  

Interest expenses

     4        —    
     

Impairment losses due to credit loss

     46        —    
  

Others (*6)

  

Other income

     6        —    
     

Interest expenses

     22        5  
     

Reversal of impairment losses due to credit loss

     (236)        (10)  

 

(*1)

As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group.

(*2)

Due to disposition previous year, the entity is not in scope for associate.

(*3)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

(*4)

The entity was sold after it was transferred to assets held for sale and was excluded from the investment in associates for the year ended December 31, 2017.

(*5)

Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates.

(*6)

Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017.

Major loan transactions with related parties

 

(4)

Major loan transactions with related parties for the six months ended June 30, 2018 and June 30, 2017 are as follows (Unit: Korean Won in millions):

 

          For the six months ended June 30, 2018  

Related parties

   Beginning
balance
     Loan      Collection      Others     Ending
balance (*1)
 

Associates

   Kumho Tire Co., Inc.      57,470        —          7,057        —         50,413  
   Well to Sea No. 3 Private Equity Fund (*2)      73,810        11,190        —          —         85,000  
   STX Engine Co., Ltd. (*3)      39,886        —          2,177        (37,709     —    
          For the six months ended June 30, 2017  

Related parties

   Beginning
balance
     Loan      Collection      Others     Ending
balance (*1)
 
Associates    Kumho Tire Co., Inc.      50,413        —          —          —         50,413  
   STX Engine Co., Ltd. (*3)      44,797        —          7,088        —         37,709  

 

(*1)

Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease).

(*2)

The entity is in scope for the associates due to contribution as of the year ended December 31, 2017.

(*3)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

Guarantees provided to the related parties

 

(6)

Guarantees provided to the related parties are as follows (Unit: Korean Won in millions):

 

     June 30,
2018
     December 31,
2017
    

Warranty

Kumho Tire Co., Inc.

     13,830        4,181      Import credit in foreign currencies and others
     511        636      Loan commitment

Korea Finance Security Co., Ltd.

     218        204      Loan commitment

Korea Credit Bureau Co., Ltd.

     31        29      Loan commitment

Woori Service Networks Co., Ltd.

     178        155      Loan commitment

Chin Hung International Inc.

     32,117        31,891      Loan commitment

STX Engine Co., Ltd. (*)

     —          68,858      Import credit in foreign currencies and others

STX corporation

     14,914        17,557      Import credit in foreign currencies and others
     132        53      Loan commitment

K BANK Co., Ltd.

     101        —        Loan commitment

Well to Sea No. 3 Private Equity Fund

     225,000        236,190      Loan commitment

 

(*)

The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.

For the guarantee provided to the related parties, the Group recognized provisions for guarantees amounting to 11,525 million Won and 71,459 million Won, as of June 30, 2018 and December 31, 2017, respectively.

Compensation for key management

 

(7)

Compensation for key management is as follows (Unit: Korean Won in millions):

 

     For the six months
ended June 30
 
     2018      2017  

Short term benefits

     6,023        6,524  

Severance payments

     280        280  
  

 

 

    

 

 

 

Total

     6,303        6,804  
  

 

 

    

 

 

 

Key management includes registered executives and non-registered executives. Outstanding assets and liabilities from transactions with key management amount to 2,155 million Won and 6,946 million Won, respectively, as of June 30, 2018, and with respect to the assets, the Group has not recognized any allowance nor provision.

XML 112 R96.htm IDEA: XBRL DOCUMENT v3.10.0.1
Business Combination (Tables)
6 Months Ended
Jun. 30, 2018
Disclosure of detailed information about business combination [Abstract]  
Acquisition accounting of business combination [Table Text Block]

 

(2)

Details of the accounting for the business combination are as follows (Unit: Korean Won in millions):

 

     June 30, 2018  

Consideration transferred:

  

Cash and cash equivalents

     88,216  

Identifiable assets and liabilities recognized:

  

Cash and cash equivalents

     16,657  

Financial assets at FVTOCI

     17  

Loans and other financial assets at amortized cost

     205,451  

Premises and equipment

     1,630  

Intangible assets

     763  

Current tax assets

     173  

Deferred tax assets

     1,381  

Other assets

     1,510  
  

 

 

 

Total assets

     227,582  
  

 

 

 

Deposits due to customers

     54,615  

Borrowings

     120,644  

Other financial liabilities

     6,149  

Current tax liabilities

     640  

Other liabilities

     4,724  
  

 

 

 

Total liabilities

     186,772  
  

 

 

 

Identifiable net fair value

     40,810  

Goodwill(*)

     47,406  
  

 

 

 

 

(*)

Identifying the intangible assets and measuring the fair value of identifiable assets acquired are incomplete as the acquisition date was June 21, 2018. The amount of Goodwill could change due to the result of the measurement of the identifiable assets and liabilities.

XML 113 R97.htm IDEA: XBRL DOCUMENT v3.10.0.1
General_General Information (Details)
$ in Thousands, ₩ in Millions
6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of notes and other explanatory information [Abstract]      
Name of reporting entity or other means of identification Woori Bank and subsidiaries    
Name of parent entity Woori Bank    
Description of entity incorporation established in 1899    
Description of nature of entitys operations and principal activities engaged in the commercial banking business under the Banking Act, trust business and foreign exchange business under the Financial Investment Services and Capital Market Act.    
Change of holding company Previously, Woori Finance Holdings Co., Ltd., the former holding company of Woori Financial Group, established on March 27, 2001 held a 100% ownership of the Bank. Effective November 1, 2014, Woori Finance Holdings Co., Ltd. completed its merger (the “Merger”) with and into the Bank. Accordingly, the shares of the Bank, 597 million shares, prior to the merger, were reduced to nil in accordance with capital reduction procedure, and then, in accordance with the merger ratio, the Bank newly issued 676 million shares.    
Information of listing on stock market On June 24, 2002, Woori Finance Holdings Co., Ltd. listed its common shares on the Korea Exchange through public offering. In addition, on September 29, 2003, the holding company registered with the Securities and Exchange Commission in the United States of America and, on the same day, listed its American Depositary Shares on the New York Stock Exchange. As Woori Finance Holdings Co., Ltd. was merged into the Bank, the Bank, which is the existing company, succeeded such rights and obligations as a listed company on the Korea Exchange and the New York Stock Exchange.    
Issued capital ₩ 3,381,392 $ 3,041,367 ₩ 3,381,392
Information of incorporated subsidiaries As a result of such merger, the Bank incorporated Woori Card Co., Ltd., Woori Investment Bank Co., Ltd., Woori FIS Co., Ltd., Woori Private Equity Asset Management Co., Ltd., and Woori Finance Research Institute Co., Ltd. as its subsidiaries.    
Address of registered office of entity The headquarters of the Bank is located in 51, Sogong-ro, Jung Gu, Seoul, Korea.    
Description of additional information of number of branches and offices The Bank has 880 branches and offices in Korea, and 23 branches and offices overseas as of June 30, 2018.    
XML 114 R98.htm IDEA: XBRL DOCUMENT v3.10.0.1
General_Consolidated subsidiaries and their financial information (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Woori FIS Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori FIS Co., Ltd. Woori FIS Co., Ltd.
Main business System software development & maintenance System software development & maintenance
Percentage of ownership 100.00% 100.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 80,851,000,000 ₩ 103,932,000,000
Liabilities 55,312,000,000 71,386,000,000
Operating revenue 138,088,000,000 252,460,000,000
Net income (loss) attributable to owners (7,006,000,000) 1,940,000,000
Comprehensive income (loss) attributable to owners ₩ (7,040,000,000) ₩ (2,963,000,000)
Woori Private Equity Asset Management Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Private Equity Asset Management Co., Ltd. Woori Private Equity Asset Management Co., Ltd.
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 40,799,000,000 ₩ 42,894,000,000
Liabilities 2,064,000,000 2,670,000,000
Operating revenue 556,000,000 7,257,000,000
Net income (loss) attributable to owners (1,493,000,000) (4,114,000,000)
Comprehensive income (loss) attributable to owners ₩ (1,490,000,000) ₩ (4,074,000,000)
Woori Finance Research Institute Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Finance Research Institute Co., Ltd. Woori Finance Research Institute Co., Ltd.
Main business Other service business Other service business
Percentage of ownership 100.00% 100.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 4,314,000,000 ₩ 3,790,000,000
Liabilities 615,000,000 350,000,000
Operating revenue 2,776,000,000 4,733,000,000
Net income (loss) attributable to owners 258,000,000 83,000,000
Comprehensive income (loss) attributable to owners ₩ 258,000,000 ₩ 64,000,000
Woori Card Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Card Co., Ltd. Woori Card Co., Ltd.
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 9,100,890,000,000 ₩ 8,605,993,000,000
Liabilities 7,462,577,000,000 6,973,705,000,000
Operating revenue 944,657,000,000 1,771,157,000,000
Net income (loss) attributable to owners 67,618,000,000 101,214,000,000
Comprehensive income (loss) attributable to owners ₩ 62,866,000,000 ₩ 107,321,000,000
Woori Investment Bank Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Investment Bank Co., Ltd Woori Investment Bank Co., Ltd
Main business Other credit finance business Other credit finance business
Percentage of ownership 59.80% 59.80%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 2,723,251,000,000 ₩ 1,880,157,000,000
Liabilities 2,418,664,000,000 1,588,610,000,000
Operating revenue 109,428,000,000 183,376,000,000
Net income (loss) attributable to owners 14,722,000,000 20,023,000,000
Comprehensive income (loss) attributable to owners ₩ 14,878,000,000 ₩ 20,210,000,000
Woori Credit Information Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Credit Information Co., Ltd. Woori Credit Information Co., Ltd.
Main business Credit information Credit information
Percentage of ownership 100.00% 100.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 34,130,000,000 ₩ 33,298,000,000
Liabilities 6,167,000,000 6,175,000,000
Operating revenue 17,601,000,000 31,580,000,000
Net income (loss) attributable to owners 839,000,000 861,000,000
Comprehensive income (loss) attributable to owners ₩ 839,000,000 ₩ 752,000,000
Woori America Bank    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori America Bank Woori America Bank
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location U.S.A. U.S.A.
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 2,073,420,000,000 ₩ 1,954,301,000,000
Liabilities 1,777,327,000,000 1,679,248,000,000
Operating revenue 42,624,000,000 81,337,000,000
Net income (loss) attributable to owners 11,186,000,000 11,869,000,000
Comprehensive income (loss) attributable to owners ₩ 24,091,000,000 ₩ (16,833,000,000)
Woori Global Markets Asia Limited    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Global Markets Asia Limited Woori Global Markets Asia Limited
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Hong Kong Hong Kong
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 406,684,000,000 ₩ 290,226,000,000
Liabilities 287,622,000,000 178,343,000,000
Operating revenue 7,302,000,000 11,345,000,000
Net income (loss) attributable to owners 2,156,000,000 1,922,000,000
Comprehensive income (loss) attributable to owners ₩ 7,298,000,000 ₩ (12,544,000,000)
Woori Bank China Limited    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Bank China Limited Woori Bank China Limited
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location China China
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 5,120,070,000,000 ₩ 4,960,637,000,000
Liabilities 4,596,883,000,000 4,458,683,000,000
Operating revenue 143,390,000,000 388,913,000,000
Net income (loss) attributable to owners 7,382,000,000 13,809,000,000
Comprehensive income (loss) attributable to owners ₩ 25,267,000,000 ₩ (15,252,000,000)
AO Woori Bank    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries AO Woori Bank AO Woori Bank
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Russia Russia
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 277,555,000,000 ₩ 201,704,000,000
Liabilities 224,860,000,000 149,101,000,000
Operating revenue 8,778,000,000 15,656,000,000
Net income (loss) attributable to owners 2,570,000,000 4,748,000,000
Comprehensive income (loss) attributable to owners ₩ 200,000,000 ₩ 1,217,000,000
PT Bank Woori Saudara Indonesia 1906 Tbk    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries PT Bank Woori Saudara Indonesia 1906 Tbk PT Bank Woori Saudara Indonesia 1906 Tbk
Main business Finance Finance
Percentage of ownership 79.90% 79.90%
Location Indonesia Indonesia
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 2,349,222,000,000 ₩ 2,230,617,000,000
Liabilities 1,858,176,000,000 1,745,171,000,000
Operating revenue 96,177,000,000 192,485,000,000
Net income (loss) attributable to owners 22,401,000,000 38,488,000,000
Comprehensive income (loss) attributable to owners ₩ 15,947,000,000 ₩ (18,689,000,000)
Banco Woori Bank do Brasil S.A    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Banco Woori Bank do Brasil S.A. Banco Woori Bank do Brasil S.A.
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Brazil Brazil
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 155,083,000,000 ₩ 213,889,000,000
Liabilities 125,288,000,000 181,544,000,000
Operating revenue 7,341,000,000 20,455,000,000
Net income (loss) attributable to owners 882,000,000 1,843,000,000
Comprehensive income (loss) attributable to owners ₩ (2,515,000,000) ₩ (2,840,000,000)
Korea BTL Infrastructure Fund    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Korea BTL Infrastructure Fund Korea BTL Infrastructure Fund
Main business Finance Finance
Percentage of ownership 99.90% 99.90%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 777,576,000,000 ₩ 786,480,000,000
Liabilities 297,000,000 301,000,000
Operating revenue 14,704,000,000 30,240,000,000
Net income (loss) attributable to owners 12,865,000,000 26,390,000,000
Comprehensive income (loss) attributable to owners ₩ 12,865,000,000 ₩ 26,390,000,000
Woori Fund Service Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Fund Service Co., Ltd. Woori Fund Service Co., Ltd.
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 13,411,000,000 ₩ 12,653,000,000
Liabilities 977,000,000 1,242,000,000
Operating revenue 4,922,000,000 9,021,000,000
Net income (loss) attributable to owners 1,023,000,000 1,398,000,000
Comprehensive income (loss) attributable to owners ₩ 1,023,000,000 ₩ 1,398,000,000
Woori Finance Cambodia PLC    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Finance Cambodia PLC. Woori Finance Cambodia PLC.
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Cambodia Cambodia
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 73,212,000,000 ₩ 51,304,000,000
Liabilities 52,584,000,000 32,873,000,000
Operating revenue 4,912,000,000 5,895,000,000
Net income (loss) attributable to owners 1,277,000,000 983,000,000
Comprehensive income (loss) attributable to owners ₩ 2,197,000,000 ₩ (473,000,000)
Woori Finance Myanmar Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Finance Myanmar Co., Ltd. Woori Finance Myanmar Co., Ltd.
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Myanmar Myanmar
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 19,837,000,000 ₩ 18,236,000,000
Liabilities 6,496,000,000 5,307,000,000
Operating revenue 2,086,000,000 2,506,000,000
Net income (loss) attributable to owners (187,000,000) 791,000,000
Comprehensive income (loss) attributable to owners ₩ 412,000,000 ₩ 15,000,000
Wealth Development Bank    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Wealth Development Bank Wealth Development Bank
Main business Finance Finance
Percentage of ownership 51.00% 51.00%
Location Philippines Philippines
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 185,866,000,000 ₩ 191,049,000,000
Liabilities 152,414,000,000 156,808,000,000
Operating revenue 6,240,000,000 13,632,000,000
Net income (loss) attributable to owners (2,000,000) 1,323,000,000
Comprehensive income (loss) attributable to owners ₩ (788,000,000) ₩ (1,093,000,000)
Woori Bank Vietnam Limited    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Bank Vietnam Limited Woori Bank Vietnam Limited
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Vietnam Vietnam
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 1,142,018,000,000 ₩ 775,758,000,000
Liabilities 990,228,000,000 632,160,000,000
Operating revenue 23,746,000,000 29,698,000,000
Net income (loss) attributable to owners 3,545,000,000 2,436,000,000
Comprehensive income (loss) attributable to owners ₩ 8,822,000,000 ₩ (15,347,000,000)
WB Finance Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank  
Subsidiaries WB Finance Co., Ltd.  
Main business Finance  
Percentage of ownership 100.00%  
Location Cambodia  
Date of Financial statements Jun. 30, 2018  
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets ₩ 227,582,000,000  
Liabilities 186,772,000,000  
Operating revenue 0  
Net income (loss) attributable to owners 0  
Comprehensive income (loss) attributable to owners ₩ 0  
Kumho Trust First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Kumho Trust First Co., Ltd. Kumho Trust First Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Asiana Saigon Inc    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Asiana Saigon Inc. Asiana Saigon Inc.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Consus Eighth Co LLC    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Consus Eighth Co., LLC Consus Eighth Co., LLC
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
KAMCO Value Recreation First Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries KAMCO Value Recreation First Securitization Specialty Co., Ltd. KAMCO Value Recreation First Securitization Specialty Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 15.00% 15.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Hermes STX Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Hermes STX Co., Ltd. Hermes STX Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
BWL First Co LLC    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries BWL First Co., LLC BWL First Co., LLC
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Deogi Dream Fourth Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Deogi Dream Fourth Co., Ltd. Deogi Dream Fourth Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Jeonju Iwon Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Jeonju Iwon Ltd. Jeonju Iwon Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Wonju I one Inc    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Wonju I one Inc. Wonju I one Inc.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Heitz Third Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Heitz Third Co., Ltd. Heitz Third Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Woorihansoop First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woorihansoop 1st Co., Ltd. Woorihansoop 1st Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Electric Cable First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Electric Cable First Co., Ltd Electric Cable First Co., Ltd
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Woori International First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori International First Co., Ltd. Woori International First Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Woori HJ First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori HJ First Co., Ltd. Woori HJ First Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Woori WEBST First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori WEBST 1st Co., Ltd. Woori WEBST 1st Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Wibihansoop First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Wibihansoop 1st Co., Ltd. Wibihansoop 1st Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
HNLD First Inc    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries HNLD 1st Inc. HNLD 1st Inc.
Main business Asset securitization Asset securitization
Percentage of ownership   0.00%
Location Korea Korea
Description of reason why entityIs not subsidiary due to absence of control [2] The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns. The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns.
Uri QS First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Uri QS 1st Co., Ltd Uri QS 1st Co., Ltd
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Uri Display First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Uri Display 1st Co., Ltd. Uri Display 1st Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Tiger Eyes Second Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Tiger Eyes 2nd Co., Ltd. Tiger Eyes 2nd Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Woori Serveone First Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Woori Serveone 1st Co., Ltd. Woori Serveone 1st Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Uri Display 2nd Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank  
Subsidiaries Uri Display 2nd Co.,Ltd.  
Main business Asset securitization  
Percentage of ownership 0.00%  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.  
Woori the Colony Unjung Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank  
Subsidiaries Woori the Colony Unjung Securitization Specialty Co., Ltd.  
Main business Asset securitization  
Percentage of ownership 0.00%  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.  
Woori Dream 1st Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank  
Subsidiaries Woori Dream 1st Co., Ltd.  
Main business Asset securitization  
Percentage of ownership 0.00%  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.  
Woori HS 1st Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank  
Subsidiaries Woori HS 1st Co., Ltd.  
Main business Asset securitization  
Percentage of ownership 0.00%  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.  
Smart Casting Inc    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank  
Subsidiaries Smart Casting Inc.  
Main business Asset securitization  
Percentage of ownership 0.00%  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.  
HeungkukWoori Tech Company Private Placement Investment Trust No.1 and 6 beneficiary certificates    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank  
Subsidiaries HeungkukWoori Tech Company Private Placement Investment Trust No. 1 and 6 beneficiary certificates  
Main business Securities investment and others  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [3] The entity was a structured entity for the purpose of investment in securities and was in scope for consolidation, considering that the Group 1) had the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.  
Principle Guaranteed Trust    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Principle Guaranteed Trust Principle Guaranteed Trust
Main business Trust Trust
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. [4] The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.
Principle and Interest Guaranteed Trust    
Significant investments in subsidiaries [Abstract]    
Investor Woori Bank Woori Bank
Subsidiaries Principle and Interest Guaranteed Trust Principle and Interest Guaranteed Trust
Main business Trust Trust
Percentage of ownership 0.00% 0.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns. [4] The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.
Dongwoo First Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Investment Bank Woori Investment Bank
Subsidiaries Dongwoo First Securitization Specialty Co., Ltd. Dongwoo First Securitization Specialty Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 5.00% 5.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Seari First Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Investment Bank Woori Investment Bank
Subsidiaries Seari First Securitization Specialty Co., Ltd. Seari First Securitization Specialty Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 5.00% 5.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Namjong First Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Investment Bank Woori Investment Bank
Subsidiaries Namjong 1st Securitization Specialty Co., Ltd. Namjong 1st Securitization Specialty Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 5.00% 5.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Bukgeum First Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Investment Bank Woori Investment Bank
Subsidiaries Bukgeum First Securitization Specialty Co., Ltd. Bukgeum First Securitization Specialty Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 5.00% 5.00%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Seari Second Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Investment Bank  
Subsidiaries Seori Second Securitization Specialty Co., Ltd.  
Main business Asset securitization  
Percentage of ownership 5.00%  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.  
Bukgeum Second Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Investment Bank  
Subsidiaries Bukgeum Second Securitization Specialty Co., Ltd.  
Main business Asset securitization  
Percentage of ownership 5.00%  
Location Korea  
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.  
TUTU FinanceWCI Myanmar Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Card Co., Ltd. Woori Card Co., Ltd.
Subsidiaries TUTU Finance-WCI Myanmar Co., Ltd. TUTU Finance-WCI Myanmar Co., Ltd.
Main business Finance Finance
Percentage of ownership 100.00% 100.00%
Location Myanmar Myanmar
Date of Financial statements Jun. 30, 2018  
Woori Card one of 2017-1 Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Card Co., Ltd. Woori Card Co., Ltd.
Subsidiaries Woori Card one of 2017-1 Securitization Specialty Co., Ltd. Woori Card one of 2017-1 Securitization Specialty Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.50% 0.50%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Woori Card one of 2017-2 Securitization Specialty Co Ltd    
Significant investments in subsidiaries [Abstract]    
Investor Woori Card Co., Ltd. Woori Card Co., Ltd.
Subsidiaries Woori Card one of 2017-2 Securitization Specialty Co., Ltd. Woori Card one of 2017-2 Securitization Specialty Co., Ltd.
Main business Asset securitization Asset securitization
Percentage of ownership 0.50% 0.50%
Location Korea Korea
Date of Financial statements Jun. 30, 2018  
Description of nature of relationship with subsidiary where parent has directly or indirectly less than half of voting power [1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns. The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
Money trust under the FISCM Act    
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets [5] ₩ 1,573,367,000,000 ₩ 1,560,672,000,000
Liabilities [5] 1,543,491,000,000 1,530,760,000,000
Operating revenue [5] 24,029,000,000 44,344,000,000
Net income (loss) attributable to owners [5] (36,000,000) 582,000,000
Comprehensive income (loss) attributable to owners [5] (36,000,000) 582,000,000
Structured entity for the securitization of financial assets    
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets 1,226,022,000,000 867,583,000,000
Liabilities 1,631,837,000,000 1,275,719,000,000
Operating revenue 32,089,000,000 22,730,000,000
Net income (loss) attributable to owners 12,202,000,000 1,179,000,000
Comprehensive income (loss) attributable to owners 5,725,000,000 (2,800,000,000)
Security investments structured entity    
Disclosure of condensed financial information of significant investments in subsidiaries [Abstract]    
Assets 41,221,000,000 34,939,000,000
Liabilities 40,000,000 76,000,000
Operating revenue 785,000,000 377,000,000
Net income (loss) attributable to owners (798,000,000) (475,000,000)
Comprehensive income (loss) attributable to owners ₩ (1,869,000,000) ₩ (38,592,000,000)
[1] The entity was a structured entity for the purpose of asset securitization and was in scope for consolidation. Although the Group is not a majority shareholder, the Group 1) had the power over the investee, 2) was exposed, or had rights, to variable returns from its involvement with the investee, and 3) had the ability to use its power to affect its returns.
[2] The entity is a structured entity for the purpose of asset securitization and is not in scope for consolidation considering that the Group 1) does not have the power over the investee, 2) is not exposed, or does not have rights to variable returns from its involvement with the investee, and 3) does not have the ability to use its power to affect its returns.
[3] The entity was a structured entity for the purpose of investment in securities and was in scope for consolidation, considering that the Group 1) had the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.
[4] The entity was a money trust under the Financial Investment Services and Capital Markets Act and was in scope for consolidation. Although the Group was not a majority shareholder, the Group 1) has the power over the investee, 2) was exposed, or has rights, to variable returns from its involvement with the investee, and 3) has the ability to use its power to affect its returns.
[5] FISCM Act: Financial Investment Services and Capital Markets Act
XML 115 R99.htm IDEA: XBRL DOCUMENT v3.10.0.1
General_Unconsolidated companies with more than 50 Percent ownership interests (Details)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Golden Bridge NHN Online Private Equity Investment    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary Golden Bridge NHN Online Private Equity Investment [1] Golden Bridge NHN Online Private Equity Investment
Location Korea Korea
Main business Securities Investment Securities Investment
Percentage of ownership 60.00% 60.00%
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.
Mirae Asset Maps Clean Water Private Equity Investment Trust Seventh    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary Mirae Asset Maps Clean Water Private Equity Investment Trust 7th [1] Mirae Asset Maps Clean Water Private Equity Investment Trust 7th
Location Korea Korea
Main business Securities Investment Securities Investment
Percentage of ownership 57.10% 59.70%
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.
Kiwoom Yonsei Private Equity Investment Trust    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary Kiwoom Yonsei Private Equity Investment Trust [1] Kiwoom Yonsei Private Equity Investment Trust
Location Korea Korea
Main business Securities Investment Securities Investment
Percentage of ownership 88.30% 88.90%
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.
Hana Walmart Real Estate Investment Trust 41-1    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary Hana Walmart Real Estate Investment Trust 41-1 [1] Hana Walmart Real Estate Investment Trust 41-1
Location Korea Korea
Main business Securities Investment Securities Investment
Percentage of ownership 77.00% 90.10%
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.
IGIS Global Private Placement Real Estate Fund No. 148-1    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary IGIS Global Private Placement Real Estate Fund No. 148-1 [1] IGIS Global Private Placement Real Estate Fund No. 148-1
Location Korea Korea
Main business Securities Investment Securities Investment
Percentage of ownership 75.00% 75.00%
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.
IGIS Global Private Placement Real Estate Fund No. 148-2    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary IGIS Global Private Placement Real Estate Fund No. 148-2 [1] IGIS Global Private Placement Real Estate Fund No. 148-2
Location Korea Korea
Main business Securities Investment Securities Investment
Percentage of ownership 75.00% 75.00%
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities. The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.
Mirae Asset Seoul Ring Expresway Private Special Asset Fund I    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary [1] Mirae Asset Seoul Ring Expressway Private Special Asset Fund I  
Location Korea  
Main business Securities Investment  
Percentage of ownership 66.20%  
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.  
Hangkang Sewage Treament Plant Fund    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary [1] Hangkang Sewage Treatment Plant Fund  
Location Korea  
Main business Securities Investment  
Percentage of ownership 55.60%  
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.  
Consus KyungJu Green Private Placement Real Estate Fund 1st    
Disclosure of information about unconsolidated subsidiaries [Line Items]    
Name of subsidiary [1] Consus KyungJu Green Private Placement Real Estate Fund 1st  
Location Korea  
Main business Securities Investment  
Percentage of ownership 52.40%  
Description of reason why entity with more than half of voting power directly or indirectly owned which is not subsidiary due to absence of control [1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.  
[1] The Group owns the majority ownership interest in these structured entities, but has no power on the investees’ relevant activities. As results, it is deemed that the Group has no power or control on the structured entities.
XML 116 R100.htm IDEA: XBRL DOCUMENT v3.10.0.1
General_Limitations on transfer of assets or the redemption of liabilities within the Group (Details)
6 Months Ended
Jun. 30, 2018
Consolidated structured entities [Member]  
Disclosure of information about consolidated structured entities [Line Items]  
Description of intentions to provide support to structured entity The Group is providing purchase commitment and credit facilities to structured entities that are subsidiaries of the Group. Purchase commitments guarantee the purchase and payment of outstanding commercial papers that were issued but were not repurchased by the structured entities. Credit facilities allow lending of funds to structured entities under certain conditions when there are grounds for discontinuing the issuance of commercial papers, or when structured entities default due to some reasons. As of June 30, 2018, the Group is providing credit facilities (including ABCP purchase commitments, etc.) amounting to 1,156,431 million Won to aforementioned structured entities.
Structured entity for the securitization of financial assets  
Disclosure of information about consolidated structured entities [Line Items]  
Description of terms of contractual arrangements that could require parent or subsidiaries to provide financial support to structured entity The structured entity is established for the purpose of securitization of project financing loans, corporate bonds, and other financial assets. The Group is involved with the structured entity through providing with credit facility over asset-backed commercial papers issued by the entity, originating loans directly to the structured entity, or purchasing 100% of the subordinated debts issued by the structured entity.
Structured entity for the investments in securities  
Disclosure of information about consolidated structured entities [Line Items]  
Description of terms of contractual arrangements that could require parent or subsidiaries to provide financial support to structured entity The structured entity is established for the purpose of investments in securities. The Group acquires beneficiary certificates through its contribution of fund to the structured entity, and it is exposed to the risk that it may not be able to recover its fund depending on the result of investment performance of asset managers of the structured entity.
Money trust under the Financial Investment Services and Capital Markets Act  
Disclosure of information about consolidated structured entities [Line Items]  
Description of terms of contractual arrangements that could require parent or subsidiaries to provide financial support to structured entity The Group provides with financial guarantee of principal and interest or principal only to some of its trust products. Due to the financial guarantees, the Group may be obliged to supplement when the principal and interest or principal of the trust product sold is short of the guaranteed amount depending on the result of investment performance of the trust product.
XML 117 R101.htm IDEA: XBRL DOCUMENT v3.10.0.1
General_Financial informations Maximum exposure and Loss recognised of unconsolidated structured entities (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Asset securitization vehicle    
Disclosure of unconsolidated structured entities [Line Items]    
The maximum exposure to risks ₩ 3,697,522,000,000 ₩ 4,032,531,000,000
Investments 2,956,395,000,000 3,215,159,000,000
Credit facilities 741,127,000,000 817,372,000,000
Loss recognized on unconsolidated structured entities ₩ 158,000,000 ₩ 837,000,000
Disclosure of information about interests in structured entity Asset securitization vehicle issues asset-backed securities and redeems the principal and interest or distributes dividends on asset-backed securities with profits from collecting cash flows or sale of securitized assets. The Group, as a secondary guarantor, provides purchase commitments for its asset-backed securities or guarantees to such asset securitization vehicle and recognizes commission income or interest income related to the commitment or guarantees. Therefore, the Group would be exposed to risks to purchases or pays back asset-backed securities issued by the vehicles when a primary guarantor fails to provide the financing asset securitization vehicles. Asset securitization vehicle issues asset-backed securities and redeems the principal and interest or distributes dividends on asset-backed securities with profits from collecting cash flows or sale of securitized assets. The Group, as a secondary guarantor, provides purchase commitments for its asset-backed securities or guarantees to such asset securitization vehicle and recognizes commission income or interest income related to the commitment or guarantees. Therefore, the Group would be exposed to risks to purchases or pays back asset-backed securities issued by the vehicles when a primary guarantor fails to provide the financing asset securitization vehicles.
Asset securitization vehicle | Classes of assets [Domain]    
Disclosure of unconsolidated structured entities [Line Items]    
Total asset of the unconsolidated structured entities ₩ 7,955,990,000,000 ₩ 7,295,601,000,000
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 2,956,395,000,000 3,215,159,000,000
Asset securitization vehicle | Financial assets at FVTPL (IFRS 9)    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 232,931,000,000  
Asset securitization vehicle | Financial assets at FVTOCI    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 499,861,000,000  
Asset securitization vehicle | Financial assets at amortized cost    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 2,223,211,000,000  
Asset securitization vehicle | Loans and receivables    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   43,180,000,000
Asset securitization vehicle | Financial assets held for trading    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   0
Asset securitization vehicle | Available-for-sale financial assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   902,390,000,000
Asset securitization vehicle | Held-to-maturity financial assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   2,269,451,000,000
Asset securitization vehicle | Investments in joint ventures and associates    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 0 0
Asset securitization vehicle | Derivative assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 392,000,000 138,000,000
Asset securitization vehicle | Liabilities [Domain]    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 1,442,000,000 1,433,000,000
Asset securitization vehicle | Derivative liabilities    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 361,000,000 575,000,000
Asset securitization vehicle | Other liabilities (including provisions)    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 1,081,000,000 858,000,000
Structured finance    
Disclosure of unconsolidated structured entities [Line Items]    
The maximum exposure to risks 2,818,678,000,000 2,918,448,000,000
Investments 2,162,493,000,000 2,314,043,000,000
Credit facilities 656,185,000,000 604,405,000,000
Loss recognized on unconsolidated structured entities ₩ 8,757,000,000 ₩ 3,939,000,000
Disclosure of information about interests in structured entity Structured finance includes investments in project financing on real estates, social overhead capital (“SOC”), infrastructure and shipping finance. They are formed as special purpose entity by funding through equity investments and loans from various investors. Investment decisions are made by the Group based on business outlook of such projects. In relation to such investments, the Group recognizes interest income on loans, gains or losses on valuation of equity investments or dividend income. The structured finance is secured by additional funding agreement, guarantee or credit facilities. However, the structured financing project would fail to return the capital of equity investments or principal of loans to the Group if it is discontinued or did not achieve business outcome. Structured finance includes investments in project financing on real estates, social overhead capital (“SOC”), infrastructure and shipping finance. They are formed as special purpose entity by funding through equity investments and loans from various investors. Investment decisions are made by the Group based on business outlook of such projects. In relation to such investments, the Group recognizes interest income on loans, gains or losses on valuation of equity investments or dividend income. The structured finance is secured by additional funding agreement, guarantee or credit facilities. However, the structured financing project would fail to return the capital of equity investments or principal of loans to the Group if it is discontinued or did not achieve business outcome.
Structured finance | Classes of assets [Domain]    
Disclosure of unconsolidated structured entities [Line Items]    
Total asset of the unconsolidated structured entities ₩ 36,949,944,000,000 ₩ 40,172,830,000,000
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 2,162,493,000,000 2,314,043,000,000
Structured finance | Financial assets at FVTPL (IFRS 9)    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 69,259,000,000  
Structured finance | Financial assets at FVTOCI    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 49,538,000,000  
Structured finance | Financial assets at amortized cost    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 2,039,184,000,000  
Structured finance | Loans and receivables    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   1,969,760,000,000
Structured finance | Financial assets held for trading    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   233,428,000,000
Structured finance | Available-for-sale financial assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   106,819,000,000
Structured finance | Held-to-maturity financial assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   0
Structured finance | Investments in joint ventures and associates    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 885,000,000 0
Structured finance | Derivative assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 3,627,000,000 4,036,000,000
Structured finance | Liabilities [Domain]    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 1,587,000,000 1,506,000,000
Structured finance | Derivative liabilities    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 749,000,000 968,000,000
Structured finance | Other liabilities (including provisions)    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 838,000,000 538,000,000
Investment Funds    
Disclosure of unconsolidated structured entities [Line Items]    
The maximum exposure to risks 1,398,067,000,000 1,138,523,000,000
Investments 1,333,612,000,000 1,138,523,000,000
Credit facilities 64,455,000,000 0
Loss recognized on unconsolidated structured entities ₩ 9,110,000,000 ₩ 5,993,000,000
Disclosure of information about interests in structured entity Investment funds include trusts and private equity funds. A trust is formed by contributions from various investors, operated by a manager engaged to the trust and distributed proceeds from sales of investments to the investors. A private equity fund is established in order to acquire ownership interests in a portfolio company with exit strategy after implementing financial and operational restructuring of the company. The Group recognizes unrealized gains or losses on change in value of investments in proposition of ownership interests in investments. The Group would be exposed to risks of loss when the value of portfolio investment is decreased. Investment funds include trusts and private equity funds. A trust is formed by contributions from various investors, operated by a manager engaged to the trust and distributed proceeds from sales of investments to the investors. A private equity fund is established in order to acquire ownership interests in a portfolio company with exit strategy after implementing financial and operational restructuring of the company. The Group recognizes unrealized gains or losses on change in value of investments in proposition of ownership interests in investments. The Group would be exposed to risks of loss when the value of portfolio investment is decreased.
Investment Funds | Classes of assets [Domain]    
Disclosure of unconsolidated structured entities [Line Items]    
Total asset of the unconsolidated structured entities ₩ 14,777,372,000,000 ₩ 13,641,135,000,000
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 1,333,612,000,000 1,138,523,000,000
Investment Funds | Financial assets at FVTPL (IFRS 9)    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 1,079,544,000,000  
Investment Funds | Financial assets at FVTOCI    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 0  
Investment Funds | Financial assets at amortized cost    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 10,697,000,000  
Investment Funds | Loans and receivables    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   0
Investment Funds | Financial assets held for trading    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   10,160,000,000
Investment Funds | Available-for-sale financial assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   904,774,000,000
Investment Funds | Held-to-maturity financial assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities   0
Investment Funds | Investments in joint ventures and associates    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 243,371,000,000 223,589,000,000
Investment Funds | Derivative assets    
Disclosure of unconsolidated structured entities [Line Items]    
Assets recognized in the consolidated financial statements related to the unconsolidated structured entities 0 0
Investment Funds | Liabilities [Domain]    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 81,000,000 0
Investment Funds | Derivative liabilities    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities 0 0
Investment Funds | Other liabilities (including provisions)    
Disclosure of unconsolidated structured entities [Line Items]    
Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities ₩ 81,000,000 ₩ 0
XML 118 R102.htm IDEA: XBRL DOCUMENT v3.10.0.1
General_Noncontrolling interests (Details) - KRW (₩)
₩ in Millions
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2017
Woori Investment Bank      
Disclosure of significant investments in subsidiaries [Line Items]      
Accumulated non-controlling interests ₩ 125,809   ₩ 119,111
Net income attributable to non-controlling interests 5,912 ₩ 5,072  
PT Bank Woori Saudara Indonesia 1906 Tbk      
Disclosure of significant investments in subsidiaries [Line Items]      
Accumulated non-controlling interests 66,004   64,877
Net income attributable to non-controlling interests 4,508 5,048  
Dividends to non-controlling interests 2,082 1,513  
Wealth Development Bank      
Disclosure of significant investments in subsidiaries [Line Items]      
Accumulated non-controlling interests 16,391   ₩ 16,778
Net income attributable to non-controlling interests ₩ (1) ₩ 515  
XML 119 R103.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_Basis of presentation (Details)
6 Months Ended
Jun. 30, 2018
Accounting policies [Abstract]  
Description of accounting policies and methods of computation followed in interim financial statements Unless stated below, the accounting policies applied in preparing the accompanying consolidated interim financial statements have been applied consistently with the annual consolidated financial statements as of and for the year ended December 31, 2017.
Description of compliance with IFRSs if applied for interim financial report The Group’s consolidated interim financial statements are prepared in accordance with International Financial Reporting Standards (“IFRS”) 34, Interim Financial Reporting and IFRS 10, Consolidated Financial Statements. It is necessary to use the annual consolidated financial statements for the year ended December 31, 2017 for understanding of the accompanying interim financial statements.
XML 120 R104.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_The adoption of IFRS 9 and other standards related to IFRS 9 and the effect (Details)
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2018
Disclosure of initial application of standards or interpretations [Line Items]    
Title of initially applied IFRS    
Adoption of IFRS 9 – Financial instruments (enacted)    
Disclosure of initial application of standards or interpretations [Line Items]    
Title of initially applied IFRS   Financial instruments
Description whether change in accounting policy is made in accordance with transitional provisions of initially applied IFRS   The Group applied for the first time as of January 1, 2018, the adoption to IFRS 9 and other standards related to IFRS 9, which introduces new rules: 1) classification and measurement of financial assets and financial liabilities, 2) impairment of financial assets, and 3) hedge accounting.
Description of nature of change in accounting policy   All financial assets included in the scope of IFRS 9 are subsequently measured at amortized cost or fair value based on the business model for the management of financial assets and the nature of the contractual cash flows.
Description of how and from when changes in accounting policies have been applied   The Group decided not to restate the prior period figures when applying the Standard for the first time, thus the comparative financial statements presented are not restated.
Adoption of IFRS 15 – Revenue from contracts with customers (enacted)    
Disclosure of initial application of standards or interpretations [Line Items]    
Title of initially applied IFRS   Revenue from contracts with customers
Description whether change in accounting policy is made in accordance with transitional provisions of initially applied IFRS   The Group adopted IFRS 15 for the first time and decided to retrospectively apply the cumulative effect of the first application of IFRS 15 as of January 1, 2018.
Description of how and from when changes in accounting policies have been applied   The Group decided not to restate the prior periods when applying IFRS 15 for the first time. Accordingly, the Group has not retroactively restated the comparative consolidated financial statements presented herein.
Amendments to IFRS 2 – Classification and Measurement of Share-based Payment Transactions    
Disclosure of initial application of standards or interpretations [Line Items]    
Title of initially applied IFRS   Classification and Measurement of Share-based Payment Transactions
Description of nature of change in accounting policy   The amendments clarify the following; i) In estimating the fair value of a cash-settled share-based payment, the accounting for the effects of vesting and non-vesting conditions should follow the same approach as for equity-settled share-based payments ii) Where tax law or regulation requires an entity to withhold a specified number of equity instruments equal to the monetary value of the employee’s tax obligation to meet the employee’s tax liability which is then remitted to the tax authority, i.e. the share-based payment arrangement has a ‘net settlement feature’, such an arrangement should be classified as equity-settled in its entirety, provided that the share-based payment would have been classified as equity-settled had it not included the net settlement feature, iii) A modification of a share-based payment that changes the transaction from cash-settled to equity-settled should be accounted for as follows; a) the original liability is derecognized; b) the equity-settled share-based payment is recognized at the modification date fair value of the equity instrument granted to the extent that services have been rendered up to the modification date; and c) any difference between the carrying amount of the liability at the modification date and the amount recognized in equity should be recognized in profit or loss immediately.
Amendments to IAS 40 – Transfers of Investment Property    
Disclosure of initial application of standards or interpretations [Line Items]    
Title of initially applied IFRS   Transfers of Investment Property
Description of nature of change in accounting policy   The amendments clarify that a transfer to, or from, investment property necessitates an assessment of whether a property meets the definition of investment property, supported by observable evidence that a change in use has occurred. The amendments further clarify that the situations listed in IAS 40 are not exhaustive and that a change in use is possible for properties under construction (i.e. a change in use is not limited to completed properties).
Amendments to IFRIC 22 – Foreign Currency Transactions and Advance Consideration    
Disclosure of initial application of standards or interpretations [Line Items]    
Title of initially applied IFRS   Foreign Currency Transactions and Advance Consideration
Description of nature of change in accounting policy   IFRIC 22 addresses how to determine the ‘date of transaction’ for the purpose of determining the exchange rate to use on initial recognition of an asset, expense or income (or part of them), when consideration for that item has been paid or received in advance in a foreign currency which resulted in the recognition of a non-monetary asset or non-monetary liability (e.g. a non-refundable deposit or deferred revenue).
Annual Improvements to IFRS 2014-2016 Cycle    
Disclosure of initial application of standards or interpretations [Line Items]    
Description of nature of change in accounting policy   The amendments include partial amendments to IFRS 1 ‘First-time Adoption of IFRS’ and IAS 28 ‘Investments in Associates and Joint Ventures.’ Amendments to IAS 28 provide that an investment company such as a venture capital investment vehicle may selectively designate each of its investment in associates and/or joint ventures to be measured at fair value through profit or loss mandatorily measured at fair value, and that such designation must be made at the time of each investment’s initial recognition. In addition, when non-investment companies apply equity method to investment in associates and/or joint ventures that are investment companies, these companies may apply the same fair value measurement used by the said associates to value their own subsidiaries. This accounting treatment may be selectively applied to each associate.
XML 121 R105.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis Of Preparation And Significant accounting policies_Details of classification and measurement of financial assets in accordance with IFRS 9 and IAS 39 (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 ₩ 306,941,042,000,000
Reclassification 0
Remeasurement 14,169,000,000
Classification according to IFRS 9 ₩ 306,955,211,000,000
Deposit - Loans and receivables (IAS39) - Loan and other financial assets at amortized cost (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Loans and receivables
Classification according to IAS 39 ₩ 8,870,835,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Loan and other financial assets at amortized cost
Classification according to IFRS 9 ₩ 8,870,835,000,000
Debt securities - Available-for-sale financial assets (IAS39) - Securities at amortized cost (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Available-for-sale financial assets
Classification according to IAS 39 ₩ 308,181,000,000
Reclassification 0
Remeasurement ₩ 14,119,000,000
Classification according to IFRS 9 Securities at amortized cost
Classification according to IFRS 9 ₩ 322,300,000,000
Debt securities - Held to maturity financial assets (IAS39) - Securities at amortized cost (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Held to maturity financial assets
Classification according to IAS 39 ₩ 16,749,296,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Securities at amortized cost
Classification according to IFRS 9 ₩ 16,749,296,000,000
Loans - Loans and receivables (IAS39) - Loans and other financial assets at amortized cost (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Loans and receivables
Classification according to IAS 39 ₩ 253,014,491,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Loan and other financial assets at amortized cost
Classification according to IFRS 9 ₩ 253,014,491,000,000
Other financial assets - Loans and receivables (IAS39) - Loan and other financial assets at amortized cost (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Loans and receivables
Classification according to IAS 39 ₩ 6,772,088,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Loan and other financial assets at amortized cost
Classification according to IFRS 9 ₩ 6,772,088,000,000
Deposit - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial assets at FVTPL
Classification according to IAS 39 ₩ 25,972,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTPL
Classification according to IFRS 9 ₩ 25,972,000,000
Debt securities - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial assets at FVTPL
Classification according to IAS 39 ₩ 2,654,027,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTPL [1]
Classification according to IFRS 9 ₩ 2,654,027,000,000
Description of reclassification and measurement of embedded derivatives out of hybrid financial instruments Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.
Equity securities - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial assets at FVTPL
Classification according to IAS 39 ₩ 47,304,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTPL [1]
Classification according to IFRS 9 ₩ 47,304,000,000
Description of reclassification and measurement of embedded derivatives out of hybrid financial instruments Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.
Derivatives - Financial assets at FVTPL (IAS39) - Financial assets at FVTPL (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial assets at FVTPL
Classification according to IAS 39 ₩ 3,115,775,000,000
Reclassification (2,137,000,000)
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTPL [1]
Classification according to IFRS 9 ₩ 3,113,638,000,000
Description of reclassification and measurement of embedded derivatives out of hybrid financial instruments Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.
Equity securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTPL (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Available-for-sale financial assets
Classification according to IAS 39 ₩ 1,273,498,000,000
Reclassification 1,219,000,000
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTPL [1]
Classification according to IFRS 9 ₩ 1,274,717,000,000
Description of reclassification and measurement of embedded derivatives out of hybrid financial instruments Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.
Debt securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTPL (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Available-for-sale financial assets
Classification according to IAS 39 ₩ 46,855,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTPL
Classification according to IFRS 9 ₩ 46,855,000,000
Loans - Loans and receivables (IAS39) - Financial assets at FVTPL (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Loans and receivables
Classification according to IAS 39 ₩ 279,032,000,000
Reclassification 918,000,000
Remeasurement ₩ 50,000,000
Classification according to IFRS 9 Financial assets at FVTPL [1]
Classification according to IFRS 9 ₩ 280,000,000,000
Description of reclassification and measurement of embedded derivatives out of hybrid financial instruments Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.
Derivatives  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Derivatives
Classification according to IAS 39 ₩ 59,272,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Derivatives
Classification according to IFRS 9 ₩ 59,272,000,000
Equity securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTOCI (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Available-for-sale financial assets
Classification according to IAS 39 ₩ 850,207,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTOCI
Classification according to IFRS 9 ₩ 850,207,000,000
Debt securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTOCI (IFRS9)  
Disclosure of financial assets at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Available-for-sale financial assets
Classification according to IAS 39 ₩ 12,874,209,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial assets at FVTOCI
Classification according to IFRS 9 ₩ 12,874,209,000,000
[1] Under IAS 39, the embedded derivatives out of hybrid financial instruments are accounted for as derivatives assets or liabilities if the criteria for separation of the embedded derivative are met and the rest of host contracts in those instruments are recorded as available-for-sale financial assets or loans and receivables respectively. Since IFRS 9 requires financial instruments be accounted for based on the terms of the entire financial instruments, the hybrid financial assets are revalued and recorded as financial assets at fair value through profit or loss.
XML 122 R106.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_Details of classification and measurement of financial liabilities in accordance with IFRS 9 and IAS 39 (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 ₩ 294,809,262,000,000
Reclassification 0
Remeasurement 0
Classification according to IFRS 9 ₩ 294,809,262,000,000
Deposit due to customers - Deposit due to customers (IAS39) - Financial liabilities at amortized cost (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Deposit due to customers
Classification according to IAS 39 ₩ 234,695,084,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at amortized cost
Classification according to IFRS 9 ₩ 234,695,084,000,000
Borrowings - Borrowings (IAS39) - Financial liabilities at amortized cost (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Borrowings
Classification according to IAS 39 ₩ 14,784,706,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at amortized cost
Classification according to IFRS 9 ₩ 14,784,706,000,000
Debentures - Debentures (IAS39) - Financial liabilities at amortized cost (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Debentures
Classification according to IAS 39 ₩ 27,869,651,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at amortized cost
Classification according to IFRS 9 ₩ 27,869,651,000,000
Other financial liabilities - Other financial liabilities (IAS39) - Financial liabilities at amortized cost (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Other financial liabilities
Classification according to IAS 39 ₩ 13,892,461,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at amortized cost
Classification according to IFRS 9 ₩ 13,892,461,000,000
Provision for financial guarantee - Provision for financial guarantee (IAS39) - Financial liabilities at amortized cost (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Provision for financial guarantee
Classification according to IAS 39 ₩ 71,697,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at amortized cost
Classification according to IFRS 9 ₩ 71,697,000,000
Deposit due to customers - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial liabilities at FVTPL
Classification according to IAS 39 ₩ 25,964,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at FVTPL
Classification according to IFRS 9 ₩ 25,964,000,000
Debentures - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial liabilities at FVTPL
Classification according to IAS 39 ₩ 91,739,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at FVTPL
Classification according to IFRS 9 ₩ 91,739,000,000
Equity-linked securities - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial liabilities at FVTPL
Classification according to IAS 39 ₩ 160,057,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at FVTPL
Classification according to IFRS 9 ₩ 160,057,000,000
Derivatives liabilities - Financial liabilities at FVTPL (IAS39) - Financial liabilities at FVTPL (IFRS9)  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Financial liabilities at FVTPL
Classification according to IAS 39 ₩ 3,150,149,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Financial liabilities at FVTPL
Classification according to IFRS 9 ₩ 3,150,149,000,000
Derivatives liabilities  
Disclosure of financial liabilities at date of initial application of IFRS 9 [Line Items]  
Classification according to IAS 39 Derivatives liabilities
Classification according to IAS 39 ₩ 67,754,000,000
Reclassification 0
Remeasurement ₩ 0
Classification according to IFRS 9 Derivatives liabilities
Classification according to IFRS 9 ₩ 67,754,000,000
XML 123 R107.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_Disclosure on financial instruments measured at amortized cost reclassified and financial assets at FVTOCI reclassified from financial assets at FVTPL (Details) - AFS securities
₩ in Millions
6 Months Ended
Jun. 30, 2018
KRW (₩)
Reclassification and mearuement financial assets and financial liabilities at date of initial application of IFRS9 [Line Items]  
Fair value ₩ 302,638
Amount of valuation gain / loss had it not been reclassified ₩ (236)
XML 124 R108.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_Evaluation results of credit risk of financial assets at the date of initial recognition (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Initial application of impairment requirements for financial instruments [Line Items]  
Loss allowance per IAS 39 (A) ₩ 2,079,605,000,000
Increases (B-A) 307,583,000,000
Loss allowance per IFRS 9 (B) ₩ 2,387,188,000,000
Description of initial application of impairment requirements for financial instruments The impairment model under IFRS 9 reflects expected credit losses, as opposed to incurred credit losses under IFRS 9. Under the impairment approach in IFRS 9, it is no longer necessary for a credit event to have occurred before credit losses are recognized. Instead, the Group accounts for expected credit losses and changes in those expected credit losses. The amount of expected credit losses should be updated at each reporting date to reflect changes in credit risk since initial recognition. The Group is required to recognize the expected credit losses for financial instruments measured at amortized cost or FVTOCI, and loan commitments and financial guarantee contracts that are subject to the impairment provisions of IFRS 9. In particular, when the credit risk of the financial instruments are significantly increased after initial recognition, or when the credit quality of the financial instruments are already impaired at acquisition, the loss allowance is measured as the expected credit loss for the whole life of the financial assets. If the credit risk of a financial instruments does not increase significantly after initial recognition (excluding POCI loans - for financial assets already impaired at initial recognition), the Group measures the loss allowance on the financial instruments at the amount equivalent to the expected 12-month credit loss.
Deposit - Loans and receivables (IAS39) - Loan and other financial assets at amortized cost (IFRS9)  
Initial application of impairment requirements for financial instruments [Line Items]  
Loss allowance per IAS 39 (A) ₩ 2,458,000,000
Increases (B-A) 634,000,000
Loss allowance per IFRS 9 (B) 3,092,000,000
Debt securities - Available-for-sale financial assets (IAS39) - Financial assets at FVTOCI (IFRS9)  
Initial application of impairment requirements for financial instruments [Line Items]  
Loss allowance per IAS 39 (A) 0
Increases (B-A) 4,236,000,000
Loss allowance per IFRS 9 (B) 4,236,000,000
Debt securities - Held to maturity financial assets (IAS39) - Securities at amortized cost (IFRS9)  
Initial application of impairment requirements for financial instruments [Line Items]  
Loss allowance per IAS 39 (A) 0
Increases (B-A) 5,078,000,000
Loss allowance per IFRS 9 (B) 5,078,000,000
Loans and other financial assets - Loans and receivables (IAS39) - Loans and other financial assets at amortized cost (IFRS9)  
Initial application of impairment requirements for financial instruments [Line Items]  
Loss allowance per IAS 39 (A) 1,827,785,000,000
Increases (B-A) 249,088,000,000
Loss allowance per IFRS 9 (B) 2,076,873,000,000
Payment guarantee  
Initial application of impairment requirements for financial instruments [Line Items]  
Loss allowance per IAS 39 (A) 183,247,000,000
Increases (B-A) 9,677,000,000
Loss allowance per IFRS 9 (B) 192,924,000,000
Provision for loan commitments  
Initial application of impairment requirements for financial instruments [Line Items]  
Loss allowance per IAS 39 (A) 66,115,000,000
Increases (B-A) 38,870,000,000
Loss allowance per IFRS 9 (B) ₩ 104,985,000,000
XML 125 R109.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_Information of reclassification and mearuement financial assets and financial liabilities at date of initial application of IFRS 9 (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of reclassification and mearuement financial assets and financial liabilities at date of initial application of IFRS9    
Information on how entity applied classification requirements in IFRS 9 to financial assets whose classification has changed as result of applying IFRS 9 Debt instruments that are held within a business model whose objective is to collect the contractual cash flows, and that have contractual cash flows that are solely payments of principal and interest on the principal outstanding are generally measured at amortized cost at the end of subsequent accounting periods (financial assets at amortized cost). Debt instruments that are held within a business model whose objective is achieved both by collecting contractual cash flows and selling financial assets, and that have contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding, are generally measured at fair value through other comprehensive income (financial assets at fair value through other comprehensive income (“FVTOCI”)) All other debt instruments and equity instruments are measured at their fair value at the end of subsequent accounting periods (financial assets at fair value through profit or loss (“FVTPL”)).  
Description of reasons for designation or de-designation of financial assets or financial liabilities as measured at fair value through profit or loss at date of initial application of IFRS 9 At initial recognition, financial assets at amortized cost or FVTOCI may be irrevocably designated as financial assets at fair value through profit or loss mandatorily measured at fair value if doing so eliminate or significantly reduce a measurement or recognition inconsistency  
Debt instruments classified as financial assets at amortized cost   ₩ 0
Debt instruments classified as FVOCI   0
Financial assets measured at FVTPL that were reclassified to FVTOCI or amortized cost category   0
Financial liabilities measured at FVTPL that were reclassified to FVTOCI or amortized cost category   0
Financial liabilities As of January 1, 2018   294,813,795,000,000
Financial liabilities designated as at FVTPL As of January 1, 2018   251,796,000,000
Accumulated other comprehensive loss in relation to the changes in credit risk of financial liabilities As of January 1, 2018   ₩ (133,000,000)
XML 126 R110.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis Of Preparation And Significant Accounting Policies_Impact on accumulated other comprehensive income at date of initial application of IFRS 9 (Details) - KRW (₩)
₩ in Millions
12 Months Ended
Dec. 31, 2017
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2016
Disclosure of effect on other comprehensive income at date of initial application of IFRS9 [Abstract]        
Amount recognised in other comprehensive income before application of Ifrs9 ₩ (89,723) ₩ (472,038) ₩ 70,750 ₩ 173,368
Changes in amount due to reclassification [Abstract]        
Reclassification of available-for-sale financial assets to financial assets at Amortized cost 494      
Reclassification of available-for-sale financial assets to financial assets at FVTPL (152,124)      
Recognition of expected credit losses of debt securities at FVTOCI 4,293      
Reclassified of available for sale financial assets(equity securities) to financial assets at FVTOCI (397,508)      
Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition (133)      
Others 3,005      
Income tax effect 149,796      
Reclassification (392,177)      
Ending balance (based on IFRS9) [1] ₩ (481,900)      
[1] The beginning balance was restated in accordance with IFRS 9.
XML 127 R111.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_Impact on retained earnings at date of initial application of IFRS 9 (Details)
$ in Thousands, ₩ in Millions
12 Months Ended
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2016
KRW (₩)
Disclosure of effect on retained earnings at date of initial application of IFRS9 [Abstract]          
Beginning balance (prior to IFRS 9) ₩ 15,620,006 ₩ 16,473,453 $ 14,816,921 ₩ 15,349,796 ₩ 14,611,566
Changes in amount due to reclassification [Abstract]          
Reclassification of available-for-sale financial assets to financial assets at Amortized cost (494)        
Reclassification of available-for-sale financial assets to financial assets at FVTPL 152,067        
Recognition of expected credit losses of debt instruments at FVTOCI (4,236)        
Reclassified of available for sale financial assets(equity securities) to financial assets at FVTOCI 397,508        
Effect on revaluation of financial assets at amortized cost from loan and receivables or AFS financial assets 282        
Recognition of expected credit losses of financial assets at amortized cost which were previously loan and receivables (240,683)        
Effect of payment guarantees / unused commitments on liabilities (48,548)        
Effect on changes in credit risk of financial liabilities at fair value through profit or loss designated as upon initial recognition 133        
Others (4,456)        
Income tax effect (74,482)        
Reclassification 177,091        
Ending balance (based on IFRS9) [1] ₩ 15,797,097        
[1] The beginning balance was restated in accordance with IFRS 9.
XML 128 R112.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of preparation and significant accounting policies_IFRS the Group not applied has been issued but is not yet effective (Details) - Enactment of IFRS 16 Leases
6 Months Ended
Jun. 30, 2018
Description of expected impact of initial application of new standards or interpretations [Line Items]  
Title of new IFRS Leases
Explanation of not applied new standards or interpretations IFRS 16 will supersede the current lease guidance including IAS 17 Leases and the related interpretations, and will be applied to periods beginning on or after January 1, 2019.
Description of nature of impending change in accounting policy IFRS 16 distinguishes leases and service contracts on the basis of whether an identified asset is controlled by a customer. Distinctions of operating leases and finance leases are removed for lessee accounting, and is replaced by model where a right-of-use asset and corresponding liability have to be recognized for all leases by lessees except for short-term leases and leases of low value assets. The right-of-use asset is initially measured at cost and subsequently measured at cost (subject to certain exceptions) less accumulated depreciation and impairment losses, adjusted for any remeasurement of the lease liability. The lease liability is initially measured at the present value of the lease payments that are not paid at that date. Subsequently, the lease liability is adjusted for interest and lease payments, as well as the impact of lease modifications, amongst others. Furthermore, the classification of cash flows will also be affected as operating lease payments under IAS 17 are presented as operating cash flows; whereas under the IFRS 16 model, the lease payments will be split into a principal and an interest portion which will be presented as financing and operating cash flows respectively. In contrast to lessee accounting, IFRS 16 substantially carries forward the lessor accounting requirements in IAS 17, and continues to require a lessor to classify a lease either as an operating lease or a finance lease. Also, IFRS 16 requires expanded disclosures
Date by which application of new IFRS is required Jan. 01, 2019
Date as at which entity plans to apply new IFRS initially Jan. 01, 2019
Discussion of impact that initial application of IFRS is expected to have on financial statements According to the preliminary assessment of the Group, the lease agreements entered into by the Group as of June 30, 2018 are expected to meet the definition of lease under the Standard, and accordingly, if the Group adopts the Standard, it applies to all leases except short-term leases and leases of low value assets, and the Group will recognize the right-of-use assets and related liabilities accordingly.
Description of fact that impact of initial application of new IFRS is not known or reasonably estimable The Group is currently analyzing the potential impact of this standards as of June 30, 2018.
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Significant accounting estimates and assumptions _Estimates and assumptions (Details)
6 Months Ended
Jun. 30, 2018
Disclosure of changes in accounting estimates [Line Items]  
Explanation of nature and amount of changes in estimates of amounts reported in prior interim periods or prior financial years The significant judgments which management has made about the application of the Group’s accounting policies and key sources of uncertainty in estimate do not differ from those used in preparing the consolidated financial statements for the year ended December 31, 2017, except the Group’s policy, accounting estimates and assumptions described below;
Income taxes  
Disclosure of changes in accounting estimates [Line Items]  
Description of nature and amount of change in accounting estimate If certain portion of the taxable income is not used for investments, increase in wages, and others in accordance with the Tax System for Promotion of investment and Collaborative Cooperation (Recirculation of Corporate Income), the Group is liable to pay additional income tax calculated based on the tax laws. The new tax system is effective for three years from 2018. Accordingly, the measurement of current and deferred income tax is affected by the tax effects from the new system.
Description of fact that amount of change in accounting estimateIs impracticable As the Group’s income tax is dependent on the investments, increase in wages, and others, there exists uncertainty with regard to measuring the final tax effects.
Provisions for credit losses (allowances for loan losses, provisions for acceptances and guarantees, and unused loan commitments)  
Disclosure of changes in accounting estimates [Line Items]  
Description of nature and amount of change in accounting estimate In accordance with IFRS 9, the Group tests impairment and recognizes allowances for losses on financial assets classified at amortized cost, and debt instruments measured at fair value through other comprehensive income and lease receivables through impairment testing and recognizes provisions for guarantees, and unused loan commitments.
Description of fact that amount of change in accounting estimateIs impracticable Accuracy of provisions for credit losses is dependent upon estimation of expected cash flows of the borrower for individually assessed allowances of loans, and upon assumptions and methodology used for collectively assessed allowances for the Group’s of loans, guarantees and unused loan commitments.
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Risk management_Maximum exposure to credit risk (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of credit risk exposure [Line Items]      
Total ₩ 424,543,885,000,000   ₩ 396,559,830,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 277,720,003,000,000 [1] $ 249,793,131,000 0
Securities at amortized cost 17,702,129,000,000 [1] 15,922,044,000 0
Loans and receivables 0 0 267,106,204,000,000
Financial assets at FVTPL (IAS 39) 0   5,795,774,000,000
Financial assets at FVTPL (IFRS 9) 4,746,950,000,000   0
AFS debt securities     13,229,244,000,000
Financial assets at FVTOCI 13,738,829,000,000 [2]   0
HTM securities 0 0 16,749,296,000,000
Derivative assets for hedging 12,395,000,000 $ 11,149,000 59,272,000,000
Off balance sheet item      
Off balance sheet items 110,623,579,000,000   93,620,040,000,000
Korean treasury and government agencies      
Categories of financial assets      
Loans and other financial assets at amortized cost 17,912,135,000,000   0
Banks      
Categories of financial assets      
Loans and other financial assets at amortized cost 21,942,788,000,000   0
Corporates      
Categories of financial assets      
Loans and other financial assets at amortized cost 92,333,155,000,000   0
Consumers      
Categories of financial assets      
Loans and other financial assets at amortized cost 145,531,925,000,000   0
Korean treasury and government agencies      
Categories of financial assets      
Loans and other financial assets at amortized cost 17,912,135,000,000    
Loans and receivables 0   8,823,584,000,000
Banks      
Categories of financial assets      
Loans and other financial assets at amortized cost 21,942,788,000,000    
Loans and receivables 0   26,845,309,000,000
Corporates      
Categories of financial assets      
Loans and other financial assets at amortized cost 92,333,155,000,000    
Loans and receivables 0   90,570,551,000,000
Consumers      
Categories of financial assets      
Loans and other financial assets at amortized cost 145,531,925,000,000    
Loans and receivables 0   140,866,760,000,000
Deposits      
Categories of financial assets      
Financial assets at FVTPL (IFRS 9) 24,921,000,000   0
Debt securities      
Categories of financial assets      
Financial assets at FVTPL (IFRS 9) 1,993,851,000,000   0
Loans      
Categories of financial assets      
Financial assets at FVTPL (IFRS 9) 336,967,000,000   0
Derivative assets      
Categories of financial assets      
Financial assets at FVTPL (IFRS 9) 2,391,211,000,000   0
Deposits      
Categories of financial assets      
Financial assets at FVTPL (IAS 39) 0   25,972,000,000
Debt securities      
Categories of financial assets      
Financial assets at FVTPL (IAS 39) 0   2,644,333,000,000
Financial assets designated at FVTPL      
Categories of financial assets      
Financial assets at FVTPL (IAS 39) 0   9,694,000,000
Derivative assets      
Categories of financial assets      
Financial assets at FVTPL (IAS 39) 0   3,115,775,000,000
Financial assets at FVTOCI debt securities      
Categories of financial assets      
Financial assets at FVTOCI 13,738,829,000,000   0
Available for sale debt securities      
Categories of financial assets      
AFS debt securities 0   13,229,244,000,000
Debt securities at amortized cost      
Categories of financial assets      
Securities at amortized cost     0
Held to maturity debt securities      
Categories of financial assets      
HTM securities 0   16,749,296,000,000
Derivative assets for hedging      
Categories of financial assets      
Derivative assets for hedging 12,395,000,000   59,272,000,000
Guarantees      
Off balance sheet item      
Off balance sheet items 12,372,573,000,000   12,859,715,000,000
Loan commitments      
Off balance sheet item      
Off balance sheet items ₩ 98,251,006,000,000   ₩ 80,760,325,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
[2] Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease.
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Risk management_Credit risk exposure by geographical areas (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Categories of financial assets      
Loans and other financial assets at amortized cost ₩ 277,720,003,000,000 [1] $ 249,793,131,000 ₩ 0
Securities at amortized cost 17,702,129,000,000 [1] 15,922,044,000 0
Loans and receivables 0 0 267,106,204,000,000
Financial assets at FVTPL (IAS 39) 0   5,795,774,000,000
Financial assets at FVTPL (IFRS 9) 4,746,950,000,000   0
AFS debt securities     13,229,244,000,000
Financial assets at FVTOCI 13,738,829,000,000 [2]   0
HTM securities 0 0 16,749,296,000,000
Derivative assets for hedging 12,395,000,000 $ 11,149,000 59,272,000,000
Off balance sheet item      
Off balance sheet items 110,623,579,000,000   93,620,040,000,000
Total 424,543,885,000,000   396,559,830,000,000
Korea      
Categories of financial assets      
Loans and other financial assets at amortized cost 258,023,468,000,000    
Securities at amortized cost 17,531,402,000,000    
Loans and receivables     250,678,479,000,000
Financial assets at FVTPL (IAS 39)     5,551,870,000,000
Financial assets at FVTPL (IFRS 9) 4,493,256,000,000    
AFS debt securities     12,407,602,000,000
Financial assets at FVTOCI 12,749,695,000,000    
HTM securities     16,606,692,000,000
Derivative assets for hedging 7,450,000,000   16,590,000,000
Off balance sheet item      
Off balance sheet items 108,052,029,000,000   91,603,852,000,000
Total 400,857,300,000,000   376,865,085,000,000
China      
Categories of financial assets      
Loans and other financial assets at amortized cost 4,589,930,000,000    
Securities at amortized cost 0    
Loans and receivables     4,104,912,000,000
Financial assets at FVTPL (IAS 39)     2,937,000,000
Financial assets at FVTPL (IFRS 9) 6,077,000,000    
AFS debt securities     52,259,000,000
Financial assets at FVTOCI 50,874,000,000    
HTM securities     0
Derivative assets for hedging 0   0
Off balance sheet item      
Off balance sheet items 928,841,000,000   529,193,000,000
Total 5,575,722,000,000   4,689,301,000,000
USA      
Categories of financial assets      
Loans and other financial assets at amortized cost 4,514,541,000,000    
Securities at amortized cost 64,856,000,000    
Loans and receivables     2,823,247,000,000
Financial assets at FVTPL (IAS 39)     0
Financial assets at FVTPL (IFRS 9) 0    
AFS debt securities     151,131,000,000
Financial assets at FVTOCI 43,352,000,000    
HTM securities     63,732,000,000
Derivative assets for hedging 0   0
Off balance sheet item      
Off balance sheet items 175,050,000,000   172,570,000,000
Total 4,797,799,000,000   3,210,680,000,000
UK      
Categories of financial assets      
Loans and other financial assets at amortized cost 1,268,461,000,000    
Securities at amortized cost 0    
Loans and receivables     1,094,988,000,000
Financial assets at FVTPL (IAS 39)     148,955,000,000
Financial assets at FVTPL (IFRS 9) 147,242,000,000    
AFS debt securities     0
Financial assets at FVTOCI 78,485,000,000    
HTM securities     0
Derivative assets for hedging 4,945,000,000   42,682,000,000
Off balance sheet item      
Off balance sheet items 70,503,000,000   66,974,000,000
Total 1,569,636,000,000   1,353,599,000,000
Japan      
Categories of financial assets      
Loans and other financial assets at amortized cost 400,907,000,000    
Securities at amortized cost 0    
Loans and receivables     381,890,000,000
Financial assets at FVTPL (IAS 39)     0
Financial assets at FVTPL (IFRS 9) 0    
AFS debt securities     0
Financial assets at FVTOCI 2,274,000,000    
HTM securities     0
Derivative assets for hedging 0   0
Off balance sheet item      
Off balance sheet items 31,216,000,000   25,039,000,000
Total 434,397,000,000   406,929,000,000
Others      
Categories of financial assets      
Loans and other financial assets at amortized cost [3] 8,922,696,000,000    
Securities at amortized cost [3] 105,871,000,000    
Loans and receivables [3]     8,022,688,000,000
Financial assets at FVTPL (IAS 39) [3]     92,012,000,000
Financial assets at FVTPL (IFRS 9) [3] 100,375,000,000    
AFS debt securities [3]     618,252,000,000
Financial assets at FVTOCI [3] 814,149,000,000    
HTM securities [3]     78,872,000,000
Derivative assets for hedging 0   0
Off balance sheet item      
Off balance sheet items [3] 1,365,940,000,000   1,222,412,000,000
Total [3] ₩ 11,309,031,000,000   ₩ 10,034,236,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
[2] Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease.
[3] Others consist of financial assets in Indonesia, Hong Kong, Singapore, and other countries.
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Risk management_Credit risk exposure by industries (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of credit risk exposure [Line Items]      
Total ₩ 424,543,885,000,000   ₩ 396,559,830,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 277,720,003,000,000 [1] $ 249,793,131,000 0
Securities at amortized cost 17,702,129,000,000 [1] 15,922,044,000 0
Loans and receivables 0 0 267,106,204,000,000
Financial assets at FVTPL (IAS 39) 0   5,795,774,000,000
Financial assets at FVTPL (IFRS 9) 4,746,950,000,000   0
AFS debt securities     13,229,244,000,000
Financial assets at FVTOCI 13,738,829,000,000 [2]   0
HTM securities 0 0 16,749,296,000,000
Derivative assets for hedging 12,395,000,000 $ 11,149,000 59,272,000,000
Off balance sheet item      
Off balance sheet items 110,623,579,000,000   93,620,040,000,000
Service      
Disclosure of credit risk exposure [Line Items]      
Total 67,936,875,000,000   66,242,824,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 48,025,922,000,000    
Securities at amortized cost 1,142,178,000,000    
Loans and receivables     47,192,641,000,000
Financial assets at FVTPL (IAS 39)     100,766,000,000
Financial assets at FVTPL (IFRS 9) 97,529,000,000    
AFS debt securities     707,737,000,000
Financial assets at FVTOCI 434,389,000,000    
HTM securities     1,348,754,000,000
Derivative assets for hedging 0    
Off balance sheet item      
Off balance sheet items 18,236,857,000,000   16,892,926,000,000
Manufacturing      
Disclosure of credit risk exposure [Line Items]      
Total 58,479,235,000,000   56,050,845,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 35,583,702,000,000    
Securities at amortized cost 0    
Loans and receivables     34,502,509,000,000
Financial assets at FVTPL (IAS 39)     83,239,000,000
Financial assets at FVTPL (IFRS 9) 166,054,000,000    
AFS debt securities     37,719,000,000
Financial assets at FVTOCI 54,445,000,000    
HTM securities     0
Derivative assets for hedging 0    
Off balance sheet item      
Off balance sheet items 22,675,034,000,000   21,427,378,000,000
Finance and insurance      
Disclosure of credit risk exposure [Line Items]      
Total 75,664,321,000,000   71,094,693,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 42,207,115,000,000    
Securities at amortized cost 11,516,407,000,000    
Loans and receivables     38,260,051,000,000
Financial assets at FVTPL (IAS 39)     4,640,068,000,000
Financial assets at FVTPL (IFRS 9) 3,404,674,000,000    
AFS debt securities     7,331,774,000,000
Financial assets at FVTOCI 9,020,012,000,000    
HTM securities     10,962,149,000,000
Derivative assets for hedging 12,395,000,000   59,272,000,000
Off balance sheet item      
Off balance sheet items 9,503,718,000,000   9,841,379,000,000
Construction      
Disclosure of credit risk exposure [Line Items]      
Total 8,282,361,000,000   7,882,046,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 3,657,220,000,000    
Securities at amortized cost 313,936,000,000    
Loans and receivables     3,574,746,000,000
Financial assets at FVTPL (IAS 39)     15,073,000,000
Financial assets at FVTPL (IFRS 9) 43,899,000,000    
AFS debt securities     153,534,000,000
Financial assets at FVTOCI 214,549,000,000    
HTM securities     296,214,000,000
Derivative assets for hedging 0    
Off balance sheet item      
Off balance sheet items 4,052,757,000,000   3,842,479,000,000
Individuals      
Disclosure of credit risk exposure [Line Items]      
Total 188,014,893,000,000   170,023,881,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 138,906,711,000,000    
Securities at amortized cost 0    
Loans and receivables     133,094,287,000,000
Financial assets at FVTPL (IAS 39)     1,040,000,000
Financial assets at FVTPL (IFRS 9) 3,019,000,000    
AFS debt securities     0
Financial assets at FVTOCI 0    
HTM securities     0
Derivative assets for hedging 0    
Off balance sheet item      
Off balance sheet items 49,105,163,000,000   36,928,554,000,000
Others      
Disclosure of credit risk exposure [Line Items]      
Total 26,166,200,000,000   25,265,541,000,000
Categories of financial assets      
Loans and other financial assets at amortized cost 9,339,333,000,000    
Securities at amortized cost 4,729,608,000,000    
Loans and receivables     10,481,970,000,000
Financial assets at FVTPL (IAS 39)     955,588,000,000
Financial assets at FVTPL (IFRS 9) 1,031,775,000,000    
AFS debt securities     4,998,480,000,000
Financial assets at FVTOCI 4,015,434,000,000    
HTM securities     4,142,179,000,000
Derivative assets for hedging 0    
Off balance sheet item      
Off balance sheet items ₩ 7,050,050,000,000   ₩ 4,687,324,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
[2] Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease.
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Risk management_Description of the Group's credit risk exposure (Details)
6 Months Ended
Jun. 30, 2018
Disclosure of nature and extent of risks arising from financial instruments [Line Items]  
Description of how forward-looking information has been incorporated into determination of expected credit losses The Group has estimated the allowance for credit losses based on experience losses with taken account of forward-looking information. The probability of default and loss at given default per financial assets considering account type of borrowers, credit rate grade, portfolio are used in estimation of allowance for expected credit losses and those factors are reviewed periodically to reduce the difference of expected losses and actual losses. The Group also measures expected credit losses using supportive and reasonable macroeconomic indicators, such as economic growth rates, interest rates, and composite stock indices. The methods for the estimation of forward-looking are also regularly reviewed. The Group undertakes the following procedures in order to predict and apply the forward-looking economic information: - Development of a prediction model by analyzing the correlation between macroeconomic data and yearly default rate of corporate and retail exposures. - Calculation of predicted annual default rate by applying forward-looking economic information, which includes estimated macroeconomic indices provided by verified institutions such as Bank of Korea and National Assembly Budget Office, to the prediction model developed. - If the predicted default rate is above the applicable default rate of the current period, application of the increase in default rate as a form of adjustment coefficient to the forward-looking economic information, thereby adjusting the current period estimation.
Information on how entity determined whether credit risk of financial instruments has increased significantly since initial recognition At the end of each period the Group evaluates whether there has been a significant increase in the credit risk since initial recognition. The Group is assessing the change in the risk of a default occurring over the expected life of the financial instruments instead of the change in the amount of expected credit losses.
Information on how instruments were grouped if expected credit losses were measured on collective basis The Group distinguishes corporates/consumers exposures when determining significant increase in credit risk
Information on how entity determined that financial assets are credit-impaired financial assets The financial assets are impaired if the following conditions are met; - The principal and interest of the loan has been overdue for more than 90 days due to the serious deterioration of the credit condition, - It is deemed that the borrowers will not pay any portion of the debts without actions of recourse such as the disposition of the collateral is not taken - Objective evidence of impairment of financial assets are identified
Information on entity's write-off policy The Group writes off assets when it is determined that the receivables are virtually impossible to collect. The Group determines which receivable to write-off and subsequently writes them off in accordance with the company’s policy. Regardless of whether assets have been written off, the Group may continue to exercise its right of collection in accordance with company’s policy on receivables collection.
Stage 1  
Disclosure of nature and extent of risks arising from financial instruments [Line Items]  
Description of basis of inputs and assumptions and estimation techniques used to measure 12-month and lifetime expected credit losses Expected credit losses due to possible defaults on financial instruments within a 12-month period from the reporting date. Credit risk may be considered to not have been significantly increased when credit risk is low at the reporting date. [1]
Stage 2  
Disclosure of nature and extent of risks arising from financial instruments [Line Items]  
Description of basis of inputs and assumptions and estimation techniques used to determine whether credit risk of financial instruments have increased significantly since initial recognition Expected credit losses from all possible defaults during the expected lifetime of the financial instruments.
Stage 3  
Disclosure of nature and extent of risks arising from financial instruments [Line Items]  
Description of basis of inputs and assumptions and estimation techniques used to determine whether financial asset is credit-impaired financial asset Expected credit losses from all possible defaults during the expected lifetime of the financial instruments. The financial assets are impaired if the following conditions are met; - The principal and interest of the loan has been overdue for more than 90 days due to the serious deterioration of the credit condition, - It is deemed that the borrowers will not pay any portion of the debts without actions of recourse such as the disposition of the collateral is not taken - Objective evidence of impairment of financial assets are identified
[1] Credit risk may be considered to not have been significantly increased when credit risk is low at the reporting date.
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Risk management_Maximum exposure to credit risk of financia assets except for financial assets at FVTPL and derivative assets by three stages (Details)
$ in Thousands
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost ₩ 277,720,003,000,000 [1] $ 249,793,131 ₩ 0
Securities at amortized cost 17,702,129,000,000 [1] $ 15,922,044 0
Financial assets at FVTOCI 13,738,829,000,000 [2]   0
Total 309,160,961,000,000    
Collateral value of damaged property 789,660,000,000    
Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total [3] 278,102,772,000,000    
Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total [4] 18,842,655,000,000    
Lifetime expected credit losses [Member] | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total 310,996,966,000,000    
Lifetime expected credit losses [Member] | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total (1,840,675,000,000)    
Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total [3] 6,210,506,000,000    
Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total [4] 5,772,369,000,000    
Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total 2,068,664,000,000    
Loans and other financial assets at amortized cost      
Disclosure of credit risk exposure [Line Items]      
Collateral value of damaged property 789,660,000,000    
Loans and other financial assets at amortized cost | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 279,550,758,000,000    
Loans and other financial assets at amortized cost | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (1,830,755,000,000)    
Loans and other financial assets at amortized cost | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 246,719,865,000,000    
Loans and other financial assets at amortized cost | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 18,794,529,000,000    
Loans and other financial assets at amortized cost | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 6,195,331,000,000    
Loans and other financial assets at amortized cost | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 5,772,369,000,000    
Loans and other financial assets at amortized cost | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 2,068,664,000,000    
Korean treasury and government agencies      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 17,912,135,000,000    
Collateral value of damaged property 0    
Korean treasury and government agencies | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 17,916,231,000,000    
Korean treasury and government agencies | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (4,096,000,000)    
Korean treasury and government agencies | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 17,916,231,000,000    
Korean treasury and government agencies | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 0    
Korean treasury and government agencies | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 0    
Korean treasury and government agencies | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 0    
Korean treasury and government agencies | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 0    
Banks      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 21,942,788,000,000    
Collateral value of damaged property 0    
Banks | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 21,963,678,000,000    
Banks | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (20,890,000,000)    
Banks | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 21,599,560,000,000    
Banks | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 83,471,000,000    
Banks | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 269,742,000,000    
Banks | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 0    
Banks | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 10,905,000,000    
Corporates      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 92,333,155,000,000    
Collateral value of damaged property 555,228,000,000    
Corporates | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 93,543,175,000,000    
Corporates | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (1,210,020,000,000)    
Corporates | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 72,113,414,000,000    
Corporates | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 15,745,380,000,000    
Corporates | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 582,857,000,000    
Corporates | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 3,618,576,000,000    
Corporates | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 1,482,948,000,000    
General business      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 51,875,159,000,000    
Collateral value of damaged property 405,304,000,000    
General business | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 52,718,524,000,000    
General business | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (843,365,000,000)    
General business | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 42,620,870,000,000    
General business | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 6,674,237,000,000    
General business | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 510,663,000,000    
General business | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 1,681,120,000,000    
General business | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 1,231,634,000,000    
Small and medium sized enterprise      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 35,237,952,000,000    
Collateral value of damaged property 130,181,000,000    
Small and medium sized enterprise | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 35,565,275,000,000    
Small and medium sized enterprise | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (327,323,000,000)    
Small and medium sized enterprise | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 25,012,286,000,000    
Small and medium sized enterprise | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 8,491,759,000,000    
Small and medium sized enterprise | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 72,194,000,000    
Small and medium sized enterprise | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 1,766,232,000,000    
Small and medium sized enterprise | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 222,804,000,000    
Project financing and others      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 5,220,044,000,000    
Collateral value of damaged property 19,743,000,000    
Project financing and others | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 5,259,376,000,000    
Project financing and others | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (39,332,000,000)    
Project financing and others | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 4,480,258,000,000    
Project financing and others | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 579,384,000,000    
Project financing and others | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 0    
Project financing and others | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 171,224,000,000    
Project financing and others | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 28,510,000,000    
Consumers      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 145,531,925,000,000    
Collateral value of damaged property 234,432,000,000    
Consumers | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 146,127,674,000,000    
Consumers | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost (595,749,000,000)    
Consumers | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 135,090,660,000,000    
Consumers | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 2,965,678,000,000    
Consumers | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [3] 5,342,732,000,000    
Consumers | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost [4] 2,153,793,000,000    
Consumers | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Loans and other financial assets at amortized cost 574,811,000,000    
Securities at amortized cost      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost     ₩ 0
Collateral value of damaged property 0    
Securities at amortized cost | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost 17,707,379,000,000    
Securities at amortized cost | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost (5,250,000,000)    
Securities at amortized cost | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost [3] 17,707,379,000,000    
Securities at amortized cost | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost 0    
Securities at amortized cost | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost 0    
Securities at amortized cost | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost 0    
Securities at amortized cost | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Securities at amortized cost 0    
Financial assets at FVTOCI | Stage 1 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Financial assets at FVTOCI [3] 13,675,528,000,000    
Financial assets at FVTOCI | Stage 1 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Financial assets at FVTOCI [4] 48,126,000,000    
Financial assets at FVTOCI | Lifetime expected credit losses [Member]      
Disclosure of credit risk exposure [Line Items]      
Collateral value of damaged property 0    
Financial assets at FVTOCI | Lifetime expected credit losses [Member] | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Financial assets at FVTOCI [2] 13,738,829,000,000    
Financial assets at FVTOCI | Lifetime expected credit losses [Member] | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Financial assets at FVTOCI [2] (4,670,000,000)    
Financial assets at FVTOCI | Stage 2 | Above appropriate credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Financial assets at FVTOCI [3] 15,175,000,000    
Financial assets at FVTOCI | Stage 2 | Less than a limited credit rating | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Financial assets at FVTOCI 0    
Financial assets at FVTOCI | Stage 3 | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Financial assets at FVTOCI ₩ 0    
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
[2] Financial assets at FVTOCI have not been disclosed as the amount before deducting provisions because the carrying amount does not decrease.
[3] Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.
[4] Credit grade of corporates are BBB- ~ C, and consumers are grades 7 ~ 10.
XML 135 R119.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management_Maximum exposure to credit risk of loans and receivables in accordance with IAS 39 by customers (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of credit risk exposure [Line Items]      
Total net ₩ 0 $ 0 ₩ 267,106,204,000,000
Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     268,936,446,000,000
Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     1,830,242,000,000
Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     265,692,069,000,000
Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     1,007,097,000,000
Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     2,237,280,000,000
Korean treasury and government agencies      
Disclosure of credit risk exposure [Line Items]      
Total net 0   8,823,584,000,000
Korean treasury and government agencies | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     8,825,775,000,000
Korean treasury and government agencies | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     2,191,000,000
Korean treasury and government agencies | Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     8,825,767,000,000
Korean treasury and government agencies | Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     8,000,000
Korean treasury and government agencies | Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     0
Banks      
Disclosure of credit risk exposure [Line Items]      
Total net 0   26,845,309,000,000
Banks | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     26,861,286,000,000
Banks | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     15,977,000,000
Banks | Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     26,861,286,000,000
Banks | Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     0
Banks | Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     0
Corporates      
Disclosure of credit risk exposure [Line Items]      
Total net 0   90,570,551,000,000
Corporates | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     91,947,571,000,000
Corporates | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     1,377,020,000,000
Corporates | Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     90,118,609,000,000
Corporates | Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     128,683,000,000
Corporates | Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     1,700,279,000,000
General business      
Disclosure of credit risk exposure [Line Items]      
Total net     50,852,126,000,000
General business | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     51,930,859,000,000
General business | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     1,078,733,000,000
General business | Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     50,463,112,000,000
General business | Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     65,616,000,000
General business | Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     1,402,131,000,000
Small and medium sized enterprise      
Disclosure of credit risk exposure [Line Items]      
Total net     34,154,883,000,000
Small and medium sized enterprise | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     34,422,045,000,000
Small and medium sized enterprise | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     267,162,000,000
Small and medium sized enterprise | Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     34,107,547,000,000
Small and medium sized enterprise | Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     63,067,000,000
Small and medium sized enterprise | Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     251,431,000,000
Project financing and others      
Disclosure of credit risk exposure [Line Items]      
Total net     5,563,542,000,000
Project financing and others | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     5,594,667,000,000
Project financing and others | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     31,125,000,000
Project financing and others | Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     5,547,950,000,000
Project financing and others | Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     0
Project financing and others | Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     46,717,000,000
Consumers      
Disclosure of credit risk exposure [Line Items]      
Total net ₩ 0   140,866,760,000,000
Consumers | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     141,301,814,000,000
Consumers | Loss allowance      
Disclosure of credit risk exposure [Line Items]      
Total net     435,054,000,000
Consumers | Loans and receivables neither overdue nor impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     139,886,407,000,000
Consumers | Loans and receivables overdue but not impaired | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     878,406,000,000
Consumers | Impaired loans and receivables | Gross loans and receivables      
Disclosure of credit risk exposure [Line Items]      
Total net     ₩ 537,001,000,000
XML 136 R120.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management_Details of loans and receivables pastdue and impaired net of allowance (Details)
₩ in Millions
12 Months Ended
Dec. 31, 2017
KRW (₩)
Disclosure of credit risk exposure [Line Items]  
Financial assets at FVTPL ₩ 2,654,027 [1]
AFS debt securities 13,229,244
HTM securities 16,749,296
Total ₩ 32,632,567
Description of rating agencies used External Credit Assessment Institution (“ECAI”), Korea’s qualified external rating agency
AAA  
Disclosure of credit risk exposure [Line Items]  
Financial assets at FVTPL ₩ 1,685,099 [1]
AFS debt securities 9,897,689
HTM securities 15,806,327
Total 27,389,115
From AA minus to AA plus  
Disclosure of credit risk exposure [Line Items]  
Financial assets at FVTPL 722,923 [1]
AFS debt securities 2,386,567
HTM securities 888,547
Total 3,998,037
From BBB minus to A plus  
Disclosure of credit risk exposure [Line Items]  
Financial assets at FVTPL 236,311 [1]
AFS debt securities 876,482
HTM securities 52,188
Total 1,164,981
Below BBB minus  
Disclosure of credit risk exposure [Line Items]  
Financial assets at FVTPL 9,694 [1]
AFS debt securities 68,506
HTM securities 2,234
Total ₩ 80,434
[1] Financial assets at FVTPL comprise debt securities held for trading and financial assets designated at FVTPL
XML 137 R121.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management_Credit soundness of debt securities (Details) - KRW (₩)
₩ in Millions
Jun. 30, 2018
Dec. 31, 2017
Disclosure of credit risk exposure [Line Items]    
Off balance accounts ₩ 110,623,579 ₩ 93,620,040
Guarantees    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts 12,372,573 12,859,715
Loan commitments    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts 98,251,006 ₩ 80,760,325
Stage 1 | Above appropriate credit rating | Off balance sheet items    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [1] 103,019,261  
Stage 1 | Above appropriate credit rating | Guarantees    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [1] 10,684,154  
Stage 1 | Above appropriate credit rating | Loan commitments    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [1] 92,335,107  
Stage 1 | Less than a limited credit rating | Off balance sheet items    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [2] 4,821,887  
Stage 1 | Less than a limited credit rating | Guarantees    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [2] 1,104,097  
Stage 1 | Less than a limited credit rating | Loan commitments    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [2] 3,717,790  
Stage 2 | Above appropriate credit rating | Off balance sheet items    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [1] 1,468,348  
Stage 2 | Above appropriate credit rating | Guarantees    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [1] 12,464  
Stage 2 | Above appropriate credit rating | Loan commitments    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [1] 1,455,884  
Stage 2 | Less than a limited credit rating | Off balance sheet items    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [2] 1,130,536  
Stage 2 | Less than a limited credit rating | Guarantees    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [2] 390,253  
Stage 2 | Less than a limited credit rating | Loan commitments    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts [2] 740,283  
Stage 3 | Off balance sheet items    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts 183,547  
Stage 3 | Guarantees    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts 181,605  
Stage 3 | Loan commitments    
Disclosure of credit risk exposure [Line Items]    
Off balance accounts ₩ 1,942  
[1] Credit grade of corporates are AAA ~ BBB, and consumers are grades 1 ~ 6.
[2] Credit grade of corporates are BBB- ~ C, and consumers are grades 7 ~ 10.
XML 138 R122.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management_Collateral and other credit enhancements (Details)
6 Months Ended
Jun. 30, 2018
Disclosure of collateral held as security and other credit enhancements [Abstract]  
Description of collateral held as security and other credit enhancements and their financial effect in respect of amount that best represents maximum exposure There have been no significant changes in the value of collateral or other credit enhancements held by the Group during the current quarter, changes in collateral or other credit enhancements due to changes in the collateral policy of the Group. As of June 30, 2018, there are no financial assets that do not recognize the allowance for losses due to collateral.
XML 139 R123.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Sensitivity Analysis of Market Risk (Details)
6 Months Ended
Jun. 30, 2018
Sensitivity analysis for market risk [Abstract]  
Methods used in preparing sensitivity analysis reflecting interdependencies between risk variables The Group performs the sensitivity analyses both for trading and for non-trading activities. For the trading activities, the Group uses a VaR model that uses certain assumptions of possible fluctuations in market conditions and, by conducting simulations of gains and losses, under which the model estimates the maximum losses that may occur. For the non-trading activities, interest rate Earning at Risk (“EaR”) and interest rate VaR, which is based on the simulations of the Net Interest Income (“NII”) and Net Present Value (“NPV”), are calculated for the Bank, and the risks for all other subsidiaries are measured and managed by the interest rate EaR and the interest rate VaR calculations based on the Bank for International Settlements (“BIS”) Framework.
Limitations that may result in information not fully reflecting fair value of assets and liabilities involved A VaR model predicts based on statistics of possible losses on the portfolio at a certain period currently or in the future. It indicates the maximum expected loss with at least 99% credibility. In short, there exists a one percent possibility that the actual loss might exceed the predicted loss generated from the VaR calculation. The actual results are periodically monitored to examine the validity of the assumptions and variables and factors that are used in VaR calculations. However, this approach cannot prevent the loss when the market fluctuation exceeds expectation.
Methods and assumptions used in preparing sensitivity analysis A VaR model predicts based on statistics of possible losses on the portfolio at a certain period currently or in the future. It indicates the maximum expected loss with at least 99% credibility. NII is a profit based indicator for displaying profit changes in the short term due to short term interest changes. It will be estimated as subtracting interest expenses of liabilities from the interest income of assets. NPV is an indicator for displaying risks in economic view according to unfavorable changes related to interest rate. It will be estimated as subtracting the present value of liabilities from the present value of assets. EaR shows the maximum profit-loss amount, which indicates the maximum deduction amount caused by the unfavorable changes related to the interest rate of a certain period (i.e. 1 year). Interest rate VaR shows the potential maximum loss generated by the unfavorable changes during a certain period of time in the present or future.
XML 140 R124.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Value at risk analysis for trading activities (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Fair value concentration of risk market risk management reporting date value at risk [Member]    
Value at risk [Line Items]    
Total VaR ₩ 5,182,000,000 ₩ 5,370,000,000
Fair value concentration of risk market risk management value at risk during year [Member] | Average    
Value at risk [Line Items]    
Total VaR 6,420,000,000 7,123,000,000
Fair value concentration of risk market risk management value at risk during year [Member] | Maximum    
Value at risk [Line Items]    
Total VaR 8,614,000,000 9,363,000,000
Fair value concentration of risk market risk management value at risk during year [Member] | Minimum    
Value at risk [Line Items]    
Total VaR 4,814,000,000 5,370,000,000
Interest rate risk | Fair value concentration of risk market risk management reporting date value at risk [Member]    
Value at risk [Line Items]    
Total VaR 2,179,000,000 4,183,000,000
Interest rate risk | Fair value concentration of risk market risk management value at risk during year [Member] | Average    
Value at risk [Line Items]    
Total VaR 3,787,000,000 3,799,000,000
Interest rate risk | Fair value concentration of risk market risk management value at risk during year [Member] | Maximum    
Value at risk [Line Items]    
Total VaR 4,992,000,000 4,918,000,000
Interest rate risk | Fair value concentration of risk market risk management value at risk during year [Member] | Minimum    
Value at risk [Line Items]    
Total VaR 1,730,000,000 2,467,000,000
Stock price | Fair value concentration of risk market risk management reporting date value at risk [Member]    
Value at risk [Line Items]    
Total VaR 2,872,000,000 909,000,000
Stock price | Fair value concentration of risk market risk management value at risk during year [Member] | Average    
Value at risk [Line Items]    
Total VaR 2,524,000,000 2,863,000,000
Stock price | Fair value concentration of risk market risk management value at risk during year [Member] | Maximum    
Value at risk [Line Items]    
Total VaR 4,618,000,000 4,419,000,000
Stock price | Fair value concentration of risk market risk management value at risk during year [Member] | Minimum    
Value at risk [Line Items]    
Total VaR 1,138,000,000 909,000,000
Foreign currencies translation risk | Fair value concentration of risk market risk management reporting date value at risk [Member]    
Value at risk [Line Items]    
Total VaR 4,224,000,000 4,750,000,000
Foreign currencies translation risk | Fair value concentration of risk market risk management value at risk during year [Member] | Average    
Value at risk [Line Items]    
Total VaR 4,853,000,000 5,051,000,000
Foreign currencies translation risk | Fair value concentration of risk market risk management value at risk during year [Member] | Maximum    
Value at risk [Line Items]    
Total VaR 6,136,000,000 6,636,000,000
Foreign currencies translation risk | Fair value concentration of risk market risk management value at risk during year [Member] | Minimum    
Value at risk [Line Items]    
Total VaR 3,695,000,000 4,061,000,000
Commodity price | Fair value concentration of risk market risk management reporting date value at risk [Member]    
Value at risk [Line Items]    
Total VaR 2,000,000 0
Commodity price | Fair value concentration of risk market risk management value at risk during year [Member] | Average    
Value at risk [Line Items]    
Total VaR 1,000,000 31,000,000
Commodity price | Fair value concentration of risk market risk management value at risk during year [Member] | Maximum    
Value at risk [Line Items]    
Total VaR 4,000,000 188,000,000
Commodity price | Fair value concentration of risk market risk management value at risk during year [Member] | Minimum    
Value at risk [Line Items]    
Total VaR 0 0
Diversification | Fair value concentration of risk market risk management reporting date value at risk [Member]    
Value at risk [Line Items]    
Total VaR (4,095,000,000) (4,472,000,000)
Diversification | Fair value concentration of risk market risk management value at risk during year [Member] | Average    
Value at risk [Line Items]    
Total VaR (4,745,000,000) (4,621,000,000)
Diversification | Fair value concentration of risk market risk management value at risk during year [Member] | Maximum    
Value at risk [Line Items]    
Total VaR (7,136,000,000) (6,798,000,000)
Diversification | Fair value concentration of risk market risk management value at risk during year [Member] | Minimum    
Value at risk [Line Items]    
Total VaR ₩ (1,749,000,000) ₩ (2,067,000,000)
XML 141 R125.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management_Scenario responding to IR changes of NII and NPV for assets and liabilities owned by the Bank and consolidated by trusts (Details) - KRW (₩)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Base case    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII ₩ 4,497,407 ₩ 4,916,138
NPV 23,856,916 23,472,792
Base case (Prepay)    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII 4,491,363 4,916,015
NPV 23,546,002 23,163,942
IR 100bp up    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII 5,022,303 5,361,546
NPV 23,803,250 22,886,122
IR 100bp down    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII 4,051,601 4,386,437
NPV 23,933,844 24,127,559
IR 200bp up    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII 5,992,145 5,806,723
NPV 23,766,488 22,372,208
IR 200bp down    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII 3,672,050 3,452,590
NPV 24,043,703 24,830,482
IR 300bp up    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII 6,848,435 6,251,897
NPV 23,742,304 21,929,189
IR 300bp down    
Sensitivity analysis of market risk for non trading activities [Line Items]    
NII 3,527,210 2,254,609
NPV ₩ 24,201,770 ₩ 26,633,807
XML 142 R126.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management_Interest EaR and VaR based on BIS Framework of subsidiaries other than the Bank and consolidated trusts (Details) - KRW (₩)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of sensitivity analysis of market risk for non trading activities of subsidiaries other than bank [Abstract]    
EaR ₩ 209,621 ₩ 255,679
VaR ₩ 148,818 ₩ 130,821
XML 143 R127.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk management_Cash flows of non-trading interest bearing assets and liabilities by repricing date (Details) - KRW (₩)
₩ in Millions
Jun. 30, 2018
Dec. 31, 2017
Asset    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets ₩ 296,501,857 ₩ 328,925,492
Loans and other financial assets at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 259,148,527  
Loans and receivables    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   297,775,378
Financial assets at FVTOCI    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 18,982,136  
AFS financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   13,866,019
Securities at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 18,371,194  
HTM financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   17,284,095
Liability    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 282,874,437 279,659,987
Deposits due to customers    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 238,018,476 234,879,069
Borrowings    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 16,131,095 14,961,062
Debentures    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 28,724,866 29,819,856
Within 3 months | Asset    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 157,446,946 166,090,779
Within 3 months | Loans and other financial assets at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 148,324,408  
Within 3 months | Loans and receivables    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   161,653,892
Within 3 months | Financial assets at FVTOCI    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 6,771,707  
Within 3 months | AFS financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   2,150,708
Within 3 months | Securities at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 2,350,831  
Within 3 months | HTM financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   2,286,179
Within 3 months | Liability    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 111,737,115 118,636,715
Within 3 months | Deposits due to customers    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 101,367,145 106,815,564
Within 3 months | Borrowings    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 9,390,749 9,865,249
Within 3 months | Debentures    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 979,221 1,955,902
4 to 6 months | Asset    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 46,500,287 46,333,100
4 to 6 months | Loans and other financial assets at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 41,273,662  
4 to 6 months | Loans and receivables    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   41,671,530
4 to 6 months | Financial assets at FVTOCI    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 3,243,204  
4 to 6 months | AFS financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   2,500,103
4 to 6 months | Securities at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 1,983,421  
4 to 6 months | HTM financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   2,161,467
4 to 6 months | Liability    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 52,280,354 41,259,186
4 to 6 months | Deposits due to customers    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 48,458,377 37,750,367
4 to 6 months | Borrowings    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 2,020,828 1,056,579
4 to 6 months | Debentures    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 1,801,149 2,452,240
7 to 9 months | Asset    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 13,000,949 11,064,295
7 to 9 months | Loans and other financial assets at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 9,372,945  
7 to 9 months | Loans and receivables    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   7,614,159
7 to 9 months | Financial assets at FVTOCI    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 1,902,718  
7 to 9 months | AFS financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   2,016,711
7 to 9 months | Securities at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 1,725,286  
7 to 9 months | HTM financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   1,433,425
7 to 9 months | Liability    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 32,998,172 26,549,085
7 to 9 months | Deposits due to customers    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 29,955,015 25,117,556
7 to 9 months | Borrowings    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 859,698 412,966
7 to 9 months | Debentures    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 2,183,459 1,018,563
10 to 12 months | Asset    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 12,292,530 10,466,965
10 to 12 months | Loans and other financial assets at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 8,650,081  
10 to 12 months | Loans and receivables    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   6,411,841
10 to 12 months | Financial assets at FVTOCI    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 1,637,346  
10 to 12 months | AFS financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   2,367,762
10 to 12 months | Securities at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 2,005,103  
10 to 12 months | HTM financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   1,687,362
10 to 12 months | Liability    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 21,950,645 29,775,736
10 to 12 months | Deposits due to customers    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 19,029,698 27,585,458
10 to 12 months | Borrowings    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 513,068 437,431
10 to 12 months | Debentures    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 2,407,879 1,752,847
1 to 5 years | Asset    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 62,414,616 67,749,792
1 to 5 years | Loans and other financial assets at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 47,212,644  
1 to 5 years | Loans and receivables    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   54,150,998
1 to 5 years | Financial assets at FVTOCI    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 5,246,163  
1 to 5 years | AFS financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   4,229,000
1 to 5 years | Securities at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 9,955,809  
1 to 5 years | HTM financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   9,369,794
1 to 5 years | Liability    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 60,361,144 59,998,426
1 to 5 years | Deposits due to customers    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 38,912,199 37,518,878
1 to 5 years | Borrowings    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 2,823,334 2,709,010
1 to 5 years | Debentures    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 18,625,611 19,770,538
Over 5 years | Asset    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 4,846,529 27,220,561
Over 5 years | Loans and other financial assets at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 4,314,787  
Over 5 years | Loans and receivables    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   26,272,958
Over 5 years | Financial assets at FVTOCI    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 180,998  
Over 5 years | AFS financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   601,735
Over 5 years | Securities at amortized cost    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets 350,744  
Over 5 years | HTM financial assets    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing assets   345,868
Over 5 years | Liability    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 3,547,007 3,440,839
Over 5 years | Deposits due to customers    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 296,042 91,246
Over 5 years | Borrowings    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities 523,418 479,827
Over 5 years | Debentures    
Cash flows of principal and interests from interest baring assets and liabilities [Line Items]    
Cash flows of principal and interests from interest bearing liabilities ₩ 2,727,547 ₩ 2,869,766
XML 144 R128.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Foreign currency risk exposure of financial instruments in foreign currency (Details)
$ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2018
JPY (¥)
Jun. 30, 2018
CNY (¥)
Jun. 30, 2018
EUR (€)
Dec. 31, 2017
KRW (₩)
Dec. 31, 2017
USD ($)
Dec. 31, 2017
JPY (¥)
Dec. 31, 2017
CNY (¥)
Dec. 31, 2017
EUR (€)
Won equivalent | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies ₩ 43,254,936,000,000         ₩ 38,225,444,000,000        
Won equivalent | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 40,474,753,000,000                  
Won equivalent | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           35,392,763,000,000        
Won equivalent | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 219,516,000,000         174,016,000,000        
Won equivalent | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 2,325,473,000,000                  
Won equivalent | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           2,461,622,000,000        
Won equivalent | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 235,194,000,000                  
Won equivalent | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           197,043,000,000        
Won equivalent | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 39,621,498,000,000         39,450,921,000,000        
Won equivalent | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 221,386,000,000         139,030,000,000        
Won equivalent | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 21,950,041,000,000         23,682,896,000,000        
Won equivalent | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 8,003,846,000,000         7,659,733,000,000        
Won equivalent | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 4,443,468,000,000         4,204,715,000,000        
Won equivalent | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 5,002,757,000,000         3,764,547,000,000        
Won equivalent | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts 9,711,434,000,000         9,899,126,000,000        
USD | Foreign currency | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $   $ 26,589         $ 25,109      
USD | Foreign currency | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $   24,664                
USD | Foreign currency | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $             23,000      
USD | Foreign currency | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $   84         32      
USD | Foreign currency | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $   1,726                
USD | Foreign currency | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $             1,966      
USD | Foreign currency | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $   115                
USD | Foreign currency | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | $             111      
USD | Foreign currency | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | $   24,588         26,248      
USD | Foreign currency | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | $   63         41      
USD | Foreign currency | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | $   11,160         13,744      
USD | Foreign currency | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | $   6,417         6,604      
USD | Foreign currency | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | $   3,708         3,467      
USD | Foreign currency | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | $   3,240         2,392      
USD | Foreign currency | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts | $   $ 6,374         $ 8,108      
USD | Won equivalent | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 29,854,054,000,000         26,902,043,000,000        
USD | Won equivalent | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 27,694,163,000,000                  
USD | Won equivalent | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           24,642,900,000,000        
USD | Won equivalent | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 94,261,000,000         34,303,000,000        
USD | Won equivalent | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 1,936,385,000,000                  
USD | Won equivalent | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           2,105,972,000,000        
USD | Won equivalent | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 129,245,000,000                  
USD | Won equivalent | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           118,868,000,000        
USD | Won equivalent | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 27,582,965,000,000         28,126,378,000,000        
USD | Won equivalent | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 70,963,000,000         43,423,000,000        
USD | Won equivalent | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 12,517,349,000,000         14,725,686,000,000        
USD | Won equivalent | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 7,201,536,000,000         7,080,118,000,000        
USD | Won equivalent | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 4,159,175,000,000         3,714,411,000,000        
USD | Won equivalent | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 3,633,942,000,000         2,562,740,000,000        
USD | Won equivalent | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts 7,149,273,000,000         8,687,009,000,000        
JPY | Foreign currency | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥     ¥ 135,497,000,000         ¥ 126,969,000,000    
JPY | Foreign currency | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥     135,138,000,000              
JPY | Foreign currency | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥               126,944,000,000    
JPY | Foreign currency | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥     359,000,000         25,000,000    
JPY | Foreign currency | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥     0              
JPY | Foreign currency | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥               0    
JPY | Foreign currency | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥     0              
JPY | Foreign currency | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥               0    
JPY | Foreign currency | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥     171,315,000,000         213,598,000,000    
JPY | Foreign currency | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥     505,000,000         79,000,000    
JPY | Foreign currency | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥     145,058,000,000         195,176,000,000    
JPY | Foreign currency | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥     2,211,000,000         2,218,000,000    
JPY | Foreign currency | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥     0         0    
JPY | Foreign currency | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥     23,541,000,000         16,125,000,000    
JPY | Foreign currency | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts | ¥     ¥ 32,887,000,000         ¥ 33,624,000,000    
JPY | Won equivalent | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 1,375,007,000,000         1,205,081,000,000        
JPY | Won equivalent | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 1,371,362,000,000                  
JPY | Won equivalent | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           1,204,843,000,000        
JPY | Won equivalent | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 3,645,000,000         238,000,000        
JPY | Won equivalent | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 0                  
JPY | Won equivalent | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           0        
JPY | Won equivalent | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 0                  
JPY | Won equivalent | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           0        
JPY | Won equivalent | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 1,738,490,000,000         2,027,291,000,000        
JPY | Won equivalent | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 5,127,000,000         752,000,000        
JPY | Won equivalent | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 1,472,035,000,000         1,852,440,000,000        
JPY | Won equivalent | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 22,438,000,000         21,056,000,000        
JPY | Won equivalent | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 0         0        
JPY | Won equivalent | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 238,890,000,000         153,043,000,000        
JPY | Won equivalent | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts 333,730,000,000         319,127,000,000        
CNY | Foreign currency | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥       ¥ 32,272,000,000         ¥ 25,543,000,000  
CNY | Foreign currency | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥       31,972,000,000            
CNY | Foreign currency | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥                 25,224,000,000  
CNY | Foreign currency | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥       0         0  
CNY | Foreign currency | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥       300,000,000            
CNY | Foreign currency | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥                 319,000,000  
CNY | Foreign currency | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥       0            
CNY | Foreign currency | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | ¥                 0  
CNY | Foreign currency | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥       27,201,000,000         24,367,000,000  
CNY | Foreign currency | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥       0         0  
CNY | Foreign currency | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥       21,633,000,000         21,865,000,000  
CNY | Foreign currency | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥       0         0  
CNY | Foreign currency | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥       0         700,000,000  
CNY | Foreign currency | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | ¥       5,568,000,000         1,802,000,000  
CNY | Foreign currency | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts | ¥       ¥ 4,804,000,000         ¥ 1,199,000,000  
CNY | Won equivalent | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 5,467,168,000,000         4,180,195,000,000        
CNY | Won equivalent | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 5,416,294,000,000                  
CNY | Won equivalent | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           4,127,936,000,000        
CNY | Won equivalent | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 0         0        
CNY | Won equivalent | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 50,874,000,000                  
CNY | Won equivalent | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           52,259,000,000        
CNY | Won equivalent | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 0                  
CNY | Won equivalent | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           0        
CNY | Won equivalent | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 4,608,163,000,000         3,987,647,000,000        
CNY | Won equivalent | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 0         0        
CNY | Won equivalent | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 3,664,842,000,000         3,578,142,000,000        
CNY | Won equivalent | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 0         0        
CNY | Won equivalent | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 0         114,555,000,000        
CNY | Won equivalent | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 943,321,000,000         294,950,000,000        
CNY | Won equivalent | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts 813,812,000,000         196,261,000,000        
EUR | Foreign currency | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €         € 1,208,000,000         € 1,183,000,000
EUR | Foreign currency | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €         1,172,000,000          
EUR | Foreign currency | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €                   1,156,000,000
EUR | Foreign currency | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €         36,000,000         27,000,000
EUR | Foreign currency | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €         0          
EUR | Foreign currency | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €                   0
EUR | Foreign currency | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €         0          
EUR | Foreign currency | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies | €                   0
EUR | Foreign currency | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | €         1,635,000,000         1,278,000,000
EUR | Foreign currency | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | €         33,000,000         19,000,000
EUR | Foreign currency | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | €         1,230,000,000         883,000,000
EUR | Foreign currency | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | €         232,000,000         247,000,000
EUR | Foreign currency | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | €         0         0
EUR | Foreign currency | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies | €         140,000,000         129,000,000
EUR | Foreign currency | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts | €         € 453,000,000         € 406,000,000
EUR | Won equivalent | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 1,566,532,000,000         1,514,524,000,000        
EUR | Won equivalent | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 1,520,044,000,000                  
EUR | Won equivalent | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           1,479,351,000,000        
EUR | Won equivalent | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 46,488,000,000         34,583,000,000        
EUR | Won equivalent | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 0                  
EUR | Won equivalent | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           590,000,000        
EUR | Won equivalent | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 0                  
EUR | Won equivalent | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           0        
EUR | Won equivalent | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 2,123,724,000,000         1,635,554,000,000        
EUR | Won equivalent | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 43,070,000,000         24,878,000,000        
EUR | Won equivalent | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 1,595,651,000,000         1,129,802,000,000        
EUR | Won equivalent | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 303,001,000,000         315,685,000,000        
EUR | Won equivalent | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 0         0        
EUR | Won equivalent | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 182,002,000,000         165,189,000,000        
EUR | Won equivalent | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts 587,615,000,000         519,843,000,000        
Others | Won equivalent | Asset                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 4,992,175,000,000         4,423,601,000,000        
Others | Won equivalent | Loans and other financial assets at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 4,472,890,000,000                  
Others | Won equivalent | Loans and receivables                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           3,937,733,000,000        
Others | Won equivalent | Financial assets at FVTPL (IFRS 9)                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 75,122,000,000         104,892,000,000        
Others | Won equivalent | Financial assets at FVTOCI                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 338,214,000,000                  
Others | Won equivalent | AFS financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           302,801,000,000        
Others | Won equivalent | Securities at amortized cost                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies 105,949,000,000                  
Others | Won equivalent | HTM financial assets                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial assets denominated in foregin currencies           78,175,000,000        
Others | Won equivalent | Liability                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 3,568,156,000,000         3,674,051,000,000        
Others | Won equivalent | Financial liabilities at FVTPL                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 102,226,000,000         69,977,000,000        
Others | Won equivalent | Deposits due to customer                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 2,700,164,000,000         2,396,826,000,000        
Others | Won equivalent | Borrowings                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 476,871,000,000         242,874,000,000        
Others | Won equivalent | Debentures                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 284,293,000,000         375,749,000,000        
Others | Won equivalent | Other financial liabilities                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Financial liabilities denominated in foregin currencies 4,602,000,000         588,625,000,000        
Others | Won equivalent | Off-balance accounts                    
Financial statement lineitems with diffrences in reported amount and reporting currency denominated amounts [Line Items]                    
Off balance accounts ₩ 827,004,000,000         ₩ 176,886,000,000        
XML 145 R129.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Cash flow from principal and interest payments of nonderivative financial liabilities by remaining contractual maturities (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items]    
Financial liabilities at FVTPL ₩ 176,097,000,000 ₩ 327,030,000,000
Deposits due to customers 240,721,692,000,000 238,249,257,000,000
Borrowings 16,184,965,000,000 15,080,533,000,000
Debentures 28,724,866,000,000 29,811,344,000,000
Other financial liabilities 16,896,806,000,000 10,144,982,000,000
Total 302,704,426,000,000 293,613,146,000,000
Within 3 months    
Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items]    
Financial liabilities at FVTPL 176,097,000,000 168,442,000,000
Deposits due to customers 145,033,422,000,000 148,008,777,000,000
Borrowings 6,407,137,000,000 6,115,732,000,000
Debentures 979,221,000,000 1,955,255,000,000
Other financial liabilities 14,098,508,000,000 7,121,342,000,000
Total 166,694,385,000,000 163,369,548,000,000
4 to 6 months    
Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items]    
Financial liabilities at FVTPL 0 155,984,000,000
Deposits due to customers 38,505,386,000,000 29,563,310,000,000
Borrowings 2,639,064,000,000 1,893,173,000,000
Debentures 1,801,149,000,000 2,452,565,000,000
Other financial liabilities 216,627,000,000 162,871,000,000
Total 43,162,226,000,000 34,227,903,000,000
7 to 9 months    
Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items]    
Financial liabilities at FVTPL 0 1,717,000,000
Deposits due to customers 22,976,591,000,000 18,175,348,000,000
Borrowings 1,876,893,000,000 1,489,272,000,000
Debentures 2,183,459,000,000 1,018,714,000,000
Other financial liabilities 3,644,000,000 825,000,000
Total 27,040,587,000,000 20,685,876,000,000
10 to 12 months    
Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items]    
Financial liabilities at FVTPL 0 512,000,000
Deposits due to customers 24,574,059,000,000 32,468,110,000,000
Borrowings 1,478,115,000,000 1,178,107,000,000
Debentures 2,407,879,000,000 1,744,731,000,000
Other financial liabilities 908,000,000 1,003,000,000
Total 28,460,961,000,000 35,392,463,000,000
1 to 5 years    
Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items]    
Financial liabilities at FVTPL 0 375,000,000
Deposits due to customers 7,487,432,000,000 7,409,118,000,000
Borrowings 3,238,353,000,000 3,924,681,000,000
Debentures 18,626,696,000,000 19,770,380,000,000
Other financial liabilities 621,127,000,000 128,940,000,000
Total 29,973,608,000,000 31,233,494,000,000
Over 5 years    
Disclosure of maturity analysis for derivative financial liabilities by remaining contractual maturity [Line Items]    
Financial liabilities at FVTPL 0 0
Deposits due to customers 2,144,802,000,000 2,624,594,000,000
Borrowings 545,403,000,000 479,568,000,000
Debentures 2,726,462,000,000 2,869,699,000,000
Other financial liabilities 1,955,992,000,000 2,730,001,000,000
Total ₩ 7,372,659,000,000 ₩ 8,703,862,000,000
XML 146 R130.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Cash flow from principal and interest payments of nonderivative financial liabilities by estimated redemption or withdrawal (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items]    
Financial liabilities at FVTPL ₩ 176,097,000,000 ₩ 327,030,000,000
Deposits due to customers 240,114,053,000,000 237,873,391,000,000
Borrowings 16,184,965,000,000 15,080,533,000,000
Debentures 28,724,866,000,000 29,811,344,000,000
Other financial liabilities 16,896,806,000,000 10,144,982,000,000
Total 302,096,787,000,000 293,237,280,000,000
Within 3 months    
Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items]    
Financial liabilities at FVTPL 176,097,000,000 168,442,000,000
Deposits due to customers 154,934,637,000,000 159,146,602,000,000
Borrowings 6,407,137,000,000 6,115,732,000,000
Debentures 979,221,000,000 1,955,255,000,000
Other financial liabilities 14,098,508,000,000 7,121,342,000,000
Total 176,595,600,000,000 174,507,373,000,000
4 to 6 months    
Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items]    
Financial liabilities at FVTPL 0 155,984,000,000
Deposits due to customers 40,340,567,000,000 31,298,562,000,000
Borrowings 2,639,064,000,000 1,893,173,000,000
Debentures 1,801,149,000,000 2,452,565,000,000
Other financial liabilities 216,627,000,000 162,871,000,000
Total 44,997,407,000,000 35,963,155,000,000
7 to 9 months    
Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items]    
Financial liabilities at FVTPL 0 1,717,000,000
Deposits due to customers 20,220,152,000,000 16,667,130,000,000
Borrowings 1,876,893,000,000 1,489,272,000,000
Debentures 2,183,459,000,000 1,018,714,000,000
Other financial liabilities 3,644,000,000 825,000,000
Total 24,284,148,000,000 19,177,658,000,000
10 to 12 months    
Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items]    
Financial liabilities at FVTPL 0 512,000,000
Deposits due to customers 18,154,029,000,000 21,995,294,000,000
Borrowings 1,478,115,000,000 1,178,107,000,000
Debentures 2,407,879,000,000 1,744,731,000,000
Other financial liabilities 908,000,000 1,003,000,000
Total 22,040,931,000,000 24,919,647,000,000
1 to 5 years    
Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items]    
Financial liabilities at FVTPL 0 375,000,000
Deposits due to customers 6,115,894,000,000 6,487,047,000,000
Borrowings 3,242,839,000,000 3,924,681,000,000
Debentures 18,626,696,000,000 19,770,380,000,000
Other financial liabilities 621,127,000,000 128,940,000,000
Total 28,606,556,000,000 30,311,423,000,000
Over 5 years    
Disclosure of maturity analysis for derivative financial liabilities by estimated redemption or withdrawal [Line Items]    
Financial liabilities at FVTPL 0 0
Deposits due to customers 348,774,000,000 2,278,756,000,000
Borrowings 540,917,000,000 479,568,000,000
Debentures 2,726,462,000,000 2,869,699,000,000
Other financial liabilities 1,955,992,000,000 2,730,001,000,000
Total ₩ 5,572,145,000,000 ₩ 8,358,024,000,000
XML 147 R131.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Cash flow of derivative financial liabilities by maturities (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Disclosure of maturity analysis for derivative financial liabilities [Line Items]    
Cash flow to be paid of total settlement derivatives ₩ 2,445,255,000,000 ₩ 3,217,903,000,000
Within 3 months    
Disclosure of maturity analysis for derivative financial liabilities [Line Items]    
Cash flow to be paid of total settlement derivatives 2,377,750,000,000 3,150,149,000,000
4 to 6 months    
Disclosure of maturity analysis for derivative financial liabilities [Line Items]    
Cash flow to be paid of total settlement derivatives 2,130,000,000 0
7 to 9 months    
Disclosure of maturity analysis for derivative financial liabilities [Line Items]    
Cash flow to be paid of total settlement derivatives 0 0
10 to 12 months    
Disclosure of maturity analysis for derivative financial liabilities [Line Items]    
Cash flow to be paid of total settlement derivatives 0 381,000,000
1 to 5 years    
Disclosure of maturity analysis for derivative financial liabilities [Line Items]    
Cash flow to be paid of total settlement derivatives 59,820,000,000 67,373,000,000
Over 5 years    
Disclosure of maturity analysis for derivative financial liabilities [Line Items]    
Cash flow to be paid of total settlement derivatives ₩ 5,555,000,000 ₩ 0
XML 148 R132.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Maturity analysis of Offbalance accounts (Details) - KRW (₩)
₩ in Millions
Jun. 30, 2018
Dec. 31, 2017
Disclosure of maturity analysis for off balance sheet item [Abstract]    
Guarantees ₩ 12,372,573 ₩ 12,859,715
Loan commitments ₩ 98,251,006 ₩ 80,760,325
XML 149 R133.htm IDEA: XBRL DOCUMENT v3.10.0.1
Risk Management_Capital Ratio (Details) - KRW (₩)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of objectives policies and processes for managing capital [Abstract]    
Minimum common equity tier one ratio 7.13% 6.25%
Minimum tier one ratio 8.63% 7.75%
Minimum total regulatory capital ratio 10.63% 9.75%
Summary of quantitative data about what entity manages as capital The Group is required to meet the following new minimum requirements: Common Equity Tier 1 capital ratio of 7.13% and 6.25%, a minimum Tier 1 ratio of 8.63% and 7.75% and a minimum total regulatory capital of 10.63% and 9.75% as of June 30, 2018 and December 31, 2017, respectively. The Group is required to meet the following new minimum requirements: Common Equity Tier 1 capital ratio of 7.13% and 6.25%, a minimum Tier 1 ratio of 8.63% and 7.75% and a minimum total regulatory capital of 10.63% and 9.75% as of June 30, 2018 and December 31, 2017, respectively.
Qualitative information about entitys objectives policies and processes for managing capital The Group complies with the standard of capital adequacy provided by financial regulatory authorities. The capital adequacy standard is based on Basel III of Basel Committee on Banking Supervision and Basel III was applied from the end of December, 2013. The capital adequacy ratio is calculated by dividing own capital by asset (weighted with a risk premium – risk weighted assets) based on the consolidated financial statements of the Group. The Group complies with the standard of capital adequacy provided by financial regulatory authorities. The capital adequacy standard is based on Basel III of Basel Committee on Banking Supervision and Basel III was applied from the end of December, 2013. The capital adequacy ratio is calculated by dividing own capital by asset (weighted with a risk premium – risk weighted assets) based on the consolidated financial statements of the Group.
Tier one risk based capital [Abstract]    
Tier 1 capital ₩ 16,952,436 ₩ 16,074,987
Other Tier 1 capital 2,748,005 3,041,664
Tier 2 capital 3,499,122 3,486,555
Total risk adjusted capital 23,199,563 22,603,206
Risk weighted assets for credit risk 139,868,803 134,767,711
Risk weighted assets for market risk 2,292,979 2,316,938
Risk weighted assets for operational risk 9,826,809 9,677,559
Total risk weighted assets ₩ 151,988,591 ₩ 146,762,208
Common Equity Tier 1 ratio 11.15% [1] 10.95%
Tier 1 capital ratio 12.96% [1] 13.03%
Total capital ratio 15.26% [1] 15.40%
[1] Capital adequacy ratio as of June 30, 2018 is tentatively measured.
XML 150 R134.htm IDEA: XBRL DOCUMENT v3.10.0.1
Operating Segments_Segment by types of customers (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Inter segment transaction [Line Items]              
Assets ₩ 326,561,330,000,000   ₩ 326,561,330,000,000     $ 293,723,089 ₩ 316,295,461,000,000
Liabilities 305,564,719,000,000   305,564,719,000,000     $ 274,837,848 ₩ 295,730,561,000,000
Net interest income 1,397,323,000,000 ₩ 1,287,576,000,000 2,764,474,000,000 $ 2,486,485 ₩ 2,550,320,000,000    
Interest income 2,368,669,000,000 2,105,808,000,000 4,643,416,000,000 4,176,485 4,189,584,000,000    
Interest expense (971,346,000,000) (818,232,000,000) (1,878,942,000,000) (1,690,000) (1,639,264,000,000)    
Inter-segment     0   0    
Net non-interest income     585,263,000,000   588,128,000,000    
Non-interest income     6,625,267,000,000   7,530,641,000,000    
Non-interest expense     (6,040,004,000,000)   (6,942,513,000,000)    
Inter-segment     0   0    
Other income(expense)     (1,542,022,000,000)   (1,654,220,000,000)    
General and administrative expenses (827,654,000,000) (784,157,000,000) (1,567,338,000,000) (1,409,730) (1,538,427,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     25,316,000,000   (115,793,000,000)    
Operating income 986,418,000,000 604,484,000,000 1,807,715,000,000 1,625,935 1,484,228,000,000    
Non operating income(expense) 9,079,000,000 (3,166,000,000) (6,183,000,000) (5,561) (54,280,000,000)    
Net income before income tax expense 995,497,000,000 601,318,000,000 1,801,532,000,000 1,620,374 1,429,948,000,000    
Income tax expense (273,701,000,000) (135,034,000,000) (485,216,000,000) (436,424) (320,933,000,000)    
Net income ₩ 721,796,000,000 ₩ 466,284,000,000 ₩ 1,316,316,000,000 $ 1,183,950 ₩ 1,109,015,000,000    
Factors used to identify entitys reportable segments     The Group’s reporting segments comprise the following customers: consumer banking, corporate banking, investment banking, capital market, credit card market and headquarters and others. The reportable segments are classified based on the target customers for whom the service is being provided. The Group’s reporting segments comprise the following customers: consumer banking, corporate banking, investment banking, capital market, credit card market and headquarters and others. The reportable segments are classified based on the target customers for whom the service is being provided. The Group’s reporting segments comprise the following customers: consumer banking, corporate banking, investment banking, capital market, credit card market and headquarters and others. The reportable segments are classified based on the target customers for whom the service is being provided.    
Operating segments [Member]              
Inter segment transaction [Line Items]              
Net interest income     ₩ 2,464,770,000,000   ₩ 2,257,978,000,000    
Interest income     4,493,664,000,000   4,034,389,000,000    
Interest expense     (2,028,894,000,000)   (1,776,411,000,000)    
Inter-segment     0   0    
Net non-interest income     1,003,673,000,000   955,359,000,000    
Non-interest income     6,861,536,000,000   7,657,368,000,000    
Non-interest expense     (5,857,863,000,000)   (6,702,009,000,000)    
Inter-segment     0   0    
Other income(expense)     (1,648,884,000,000)   (1,737,362,000,000)    
General and administrative expenses     (1,702,904,000,000)   (1,662,297,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     54,020,000,000   (75,065,000,000)    
Operating income     1,819,559,000,000   1,475,975,000,000    
Non operating income(expense)     22,820,000,000   (258,000,000)    
Net income before income tax expense     1,842,379,000,000   1,475,717,000,000    
Income tax expense     (486,164,000,000)   (312,855,000,000)    
Net income     1,356,215,000,000   1,162,862,000,000    
Consumer banking              
Inter segment transaction [Line Items]              
Net interest income     929,286,000,000   810,799,000,000    
Interest income     1,703,521,000,000   1,539,729,000,000    
Interest expense     (499,830,000,000)   (480,814,000,000)    
Inter-segment     (274,405,000,000)   (248,116,000,000)    
Net non-interest income     356,310,000,000   322,986,000,000    
Non-interest income     405,145,000,000   424,214,000,000    
Non-interest expense     (127,357,000,000)   (146,630,000,000)    
Inter-segment     78,522,000,000   45,402,000,000    
Other income(expense)     (928,336,000,000)   (915,696,000,000)    
General and administrative expenses     (875,328,000,000)   (869,732,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     (53,008,000,000)   (45,964,000,000)    
Operating income     357,260,000,000   218,089,000,000    
Non operating income(expense)     (9,889,000,000)   8,862,000,000    
Net income before income tax expense     347,371,000,000   226,951,000,000    
Income tax expense     (95,528,000,000)   (54,923,000,000)    
Net income     ₩ 251,843,000,000   ₩ 172,028,000,000    
Factors used to identify entitys reportable segments     • Consumer banking: Loans/deposits and financial services for retail and individual consumers, etc. • Consumer banking: Loans/deposits and financial services for retail and individual consumers, etc. • Consumer banking: Loans/deposits and financial services for retail and individual consumers, etc.    
Corporate banking              
Inter segment transaction [Line Items]              
Net interest income     ₩ 967,363,000,000   ₩ 866,805,000,000    
Interest income     1,638,747,000,000   1,456,198,000,000    
Interest expense     (994,523,000,000)   (818,422,000,000)    
Inter-segment     323,139,000,000   229,029,000,000    
Net non-interest income     284,855,000,000   281,065,000,000    
Non-interest income     432,262,000,000   333,646,000,000    
Non-interest expense     (183,814,000,000)   (82,261,000,000)    
Inter-segment     36,407,000,000   29,680,000,000    
Other income(expense)     (293,933,000,000)   (531,346,000,000)    
General and administrative expenses     (403,216,000,000)   (402,661,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     109,283,000,000   (128,685,000,000)    
Operating income     958,285,000,000   616,524,000,000    
Non operating income(expense)     671,000,000   (3,122,000,000)    
Net income before income tax expense     958,956,000,000   613,402,000,000    
Income tax expense     (260,186,000,000)   (139,138,000,000)    
Net income     ₩ 698,770,000,000   ₩ 474,264,000,000    
Factors used to identify entitys reportable segments     • Corporate banking: Loans/deposits and export/import, financial services for corporations, etc. • Corporate banking: Loans/deposits and export/import, financial services for corporations, etc. • Corporate banking: Loans/deposits and export/import, financial services for corporations, etc.    
Investment banking              
Inter segment transaction [Line Items]              
Net interest income     ₩ (3,078,000,000)   ₩ 5,413,000,000    
Interest income     74,670,000,000   72,232,000,000    
Interest expense     (92,000,000)   (126,000,000)    
Inter-segment     (77,656,000,000)   (66,693,000,000)    
Net non-interest income     96,843,000,000   90,869,000,000    
Non-interest income     137,031,000,000   212,107,000,000    
Non-interest expense     (40,188,000,000)   (121,238,000,000)    
Inter-segment     0   0    
Other income(expense)     46,555,000,000   25,615,000,000    
General and administrative expenses     (5,689,000,000)   (5,696,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     52,244,000,000   31,311,000,000    
Operating income     140,320,000,000   121,897,000,000    
Non operating income(expense)     17,411,000,000   22,581,000,000    
Net income before income tax expense     157,731,000,000   144,478,000,000    
Income tax expense     (43,377,000,000)   (34,964,000,000)    
Net income     ₩ 114,354,000,000   ₩ 109,514,000,000    
Factors used to identify entitys reportable segments     • Investment banking: Domestic/foreign investment, structured finance, M&A, equity & fund investment related business, venture advisory related tasks, real estate SOC development practices, etc. • Investment banking: Domestic/foreign investment, structured finance, M&A, equity & fund investment related business, venture advisory related tasks, real estate SOC development practices, etc. • Investment banking: Domestic/foreign investment, structured finance, M&A, equity & fund investment related business, venture advisory related tasks, real estate SOC development practices, etc.    
Capital market              
Inter segment transaction [Line Items]              
Net interest income     ₩ 15,946,000,000   ₩ 17,262,000,000    
Interest income     5,687,000,000   8,938,000,000    
Interest expense     0   0    
Inter-segment     10,259,000,000   8,324,000,000    
Net non-interest income     39,583,000,000   22,758,000,000    
Non-interest income     4,765,167,000,000   4,991,598,000,000    
Non-interest expense     (4,725,584,000,000)   (4,968,840,000,000)    
Inter-segment     0   0    
Other income(expense)     (11,120,000,000)   14,414,000,000    
General and administrative expenses     (7,852,000,000)   (7,721,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     (3,268,000,000)   22,135,000,000    
Operating income     44,409,000,000   54,434,000,000    
Non operating income(expense)     0   0    
Net income before income tax expense     44,409,000,000   54,434,000,000    
Income tax expense     (12,212,000,000)   (13,173,000,000)    
Net income     ₩ 32,197,000,000   ₩ 41,261,000,000    
Factors used to identify entitys reportable segments     • Capital market: Fund management, investment in securities and derivatives, etc • Capital market: Fund management, investment in securities and derivatives, etc • Capital market: Fund management, investment in securities and derivatives, etc    
Credit Card              
Inter segment transaction [Line Items]              
Net interest income     ₩ 247,727,000,000   ₩ 223,048,000,000    
Interest income     323,443,000,000   288,648,000,000    
Interest expense     (75,716,000,000)   (65,600,000,000)    
Inter-segment     0   0    
Net non-interest income     42,955,000,000   45,638,000,000    
Non-interest income     605,165,000,000   566,107,000,000    
Non-interest expense     (562,210,000,000)   (520,469,000,000)    
Inter-segment     0   0    
Other income(expense)     (197,535,000,000)   (184,607,000,000)    
General and administrative expenses     (83,575,000,000)   (77,909,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     (113,960,000,000)   (106,698,000,000)    
Operating income     93,147,000,000   84,079,000,000    
Non operating income(expense)     (2,988,000,000)   (2,399,000,000)    
Net income before income tax expense     90,159,000,000   81,680,000,000    
Income tax expense     (22,541,000,000)   (19,816,000,000)    
Net income     ₩ 67,618,000,000   ₩ 61,864,000,000    
Factors used to identify entitys reportable segments     • Credit card: Credit card, cash service and card loan, etc. • Credit card: Credit card, cash service and card loan, etc. • Credit card: Credit card, cash service and card loan, etc.    
Headquarter and Others              
Inter segment transaction [Line Items]              
Net interest income     ₩ 307,526,000,000   ₩ 334,651,000,000    
Interest income     747,596,000,000   668,644,000,000    
Interest expense     (458,733,000,000)   (411,449,000,000)    
Inter-segment     18,663,000,000   77,456,000,000    
Net non-interest income     183,127,000,000   192,043,000,000    
Non-interest income     516,766,000,000   1,129,696,000,000    
Non-interest expense     (218,710,000,000)   (862,571,000,000)    
Inter-segment     (114,929,000,000)   (75,082,000,000)    
Other income(expense)     (264,515,000,000)   (145,742,000,000)    
General and administrative expenses     (327,244,000,000)   (298,578,000,000)    
Reversal of allowance for credit loss and impairment losses due to credit loss     62,729,000,000   152,836,000,000    
Operating income     226,138,000,000   380,952,000,000    
Non operating income(expense)     17,615,000,000   (26,180,000,000)    
Net income before income tax expense     243,753,000,000   354,772,000,000    
Income tax expense     (52,320,000,000)   (50,841,000,000)    
Net income     ₩ 191,433,000,000   ₩ 303,931,000,000    
Factors used to identify entitys reportable segments     • Headquarter and others: Segments that do not belong to above operating segments • Headquarter and others: Segments that do not belong to above operating segments • Headquarter and others: Segments that do not belong to above operating segments    
Inter segment transaction              
Inter segment transaction [Line Items]              
Net interest income     ₩ 299,704,000,000   ₩ 292,342,000,000    
Interest income     149,752,000,000   155,195,000,000    
Interest expense     149,952,000,000   137,147,000,000    
Inter-segment     0   0    
Net non-interest income     (418,410,000,000)   (367,231,000,000)    
Non-interest income     (236,269,000,000)   (126,727,000,000)    
Non-interest expense     (182,141,000,000)   (240,504,000,000)    
Inter-segment     0   0    
Other income(expense)     106,862,000,000   83,142,000,000    
General and administrative expenses     135,566,000,000   123,870,000,000    
Reversal of allowance for credit loss and impairment losses due to credit loss     (28,704,000,000)   (40,728,000,000)    
Operating income     (11,844,000,000)   8,253,000,000    
Non operating income(expense)     (29,003,000,000)   (54,022,000,000)    
Net income before income tax expense     (40,847,000,000)   (45,769,000,000)    
Income tax expense     948,000,000   (8,078,000,000)    
Net income     ₩ (39,899,000,000)   ₩ (53,847,000,000)    
XML 151 R135.htm IDEA: XBRL DOCUMENT v3.10.0.1
Operating Segments_Information on products and services (Details)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Disclosure of products and services [Abstract]    
Description of information on products and services The products of the Group are classified as interest-bearing products such as loans, deposits and debt securities and non-interest bearing products such as loan commitment, credit commitment, equity securities, and credit card service. This classification of products has been reflected in the segment information presenting interest income and non-interest income. The products of the Group are classified as interest-bearing products such as loans, deposits and debt securities and non-interest bearing products such as loan commitment, credit commitment, equity securities, and credit card service. This classification of products has been reflected in the segment information presenting interest income and non-interest income.
XML 152 R136.htm IDEA: XBRL DOCUMENT v3.10.0.1
Operating Segments_Information on geographical areas (Details) - KRW (₩)
₩ in Millions
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2017
Domestic customers      
Disclosure of geographical areas [Line Items]      
Revenue ₩ 10,626,155 ₩ 11,185,991  
Non-current assets 3,664,521   ₩ 3,550,764
Foreign customers      
Disclosure of geographical areas [Line Items]      
Revenue 642,528 ₩ 534,234  
Non-current assets ₩ 233,864   ₩ 233,732
XML 153 R137.htm IDEA: XBRL DOCUMENT v3.10.0.1
Cash and cash equivalents_Details of cash and cash equivalents (Details)
$ in Thousands, ₩ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Dec. 31, 2017
USD ($)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2016
KRW (₩)
Cash and cash equivalents [Abstract]            
Cash ₩ 1,889,739   ₩ 2,009,363      
Foreign currencies 795,692   617,155      
Demand deposits 2,777,874   3,423,355      
Fixed deposits 457,263   858,413      
Total ₩ 5,920,568 $ 5,325,210 ₩ 6,908,286 $ 6,213,605 ₩ 7,377,124 ₩ 7,591,324
XML 154 R138.htm IDEA: XBRL DOCUMENT v3.10.0.1
Cash and cash equivalents_Significant non-cash transactions (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Cash flow noncash investing and financing activities disclosure [Abstract]          
Changes in other comprehensive gain due to remeasurement of financial assets designated at FVTOCI     ₩ 41,452,000,000 [1] $ 37,284 ₩ 0
Changes in other comprehensive loss due to valuation of AFS financial assets ₩ 0 ₩ (41,680,000,000) 0   (28,706,000,000)
Changes in other comprehensive income and loss of investment in associates     1,210,000,000   1,507,000,000
Changes in other comprehensive gain (loss) of foreign operations translation 37,268,000,000 31,450,000,000 35,526,000,000 31,954 (69,010,000,000)
Changes in other comprehensive loss related to valuation of cash flow hedging (2,787,000,000) (673,000,000) (6,213,000,000) (5,588) (1,526,000,000)
Changes in other comprehensive loss due to remeasurement of the net defined benefit liability (6,113,000,000) 16,840,000,000 (59,573,000,000) $ (53,583) (9,677,000,000)
Changes in investments in associates due to equity swap 0 51,405,000,000 [2] 0   51,405,000,000 [2]
Changes in investments in associates due to accounts transfer (5,865,000,000) [3] (16,354,000,000) [4] (5,865,000,000) [3]   (16,354,000,000) [4]
Changes in accrued dividends of hybrid equity securities     (80,000,000)   (9,804,000,000)
Changes in intangible assets related to accounts payable 32,369,000,000 (8,506,000,000) 32,369,000,000   (8,506,000,000)
Classified to assets held for sale from premises and equipment ₩ 6,050,000,000 ₩ 2,184,000,000 ₩ 6,050,000,000   ₩ 2,184,000,000
[1] The consolidated interim statements of changes in equity for the six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of changes in equity for the six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
[2] Changes in investments in joint ventures and associates due to debt-equity swap is 51,405 million Won.
[3] Investments in joint ventures and associates decreased by 5,865 million Won through transfers to assets held for sale which occurred during the six months ended June 30, 2018.
[4] Investments in joint ventures and associates decreased by 16,354 million Won through transfers to assets held for sale occurred for the six months ended June 30, 2017.
XML 155 R139.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at FVTPL_Details of financial assets at FVTPL (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) ₩ 6,340,704,000,000    
Financial assets at FVTPL 6,340,704,000,000 [1] $ 5,703,098,000 [1] ₩ 0
Financial assets held for trading (IAS 39) 0   5,820,787,000,000
Financial assets designated at FVTPL (IAS 39) 0   22,290,000,000
Financial assets at FVTPL (IAS 39) 0 $ 0 5,843,077,000,000
Deposits      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL 24,921,000,000    
Financial assets at FVTPL (IAS 39)     25,972,000,000
Deposits indexed to gold prices      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 24,921,000,000    
Financial assets held for trading (IAS 39)     25,972,000,000
Securities      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 3,587,605,000,000    
Financial assets held for trading (IAS 39)     2,679,040,000,000
Korean treasury and government agencies      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 639,476,000,000    
Financial assets held for trading (IAS 39)     540,438,000,000
Financial institutions      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 639,711,000,000    
Financial assets held for trading (IAS 39)     1,476,498,000,000
Corporates      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 714,508,000,000    
Financial assets held for trading (IAS 39)     627,397,000,000
Others      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 156,000,000    
Financial assets held for trading (IAS 39)     0
Equity securities      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 433,316,000,000    
Financial assets held for trading (IAS 39)     21,666,000,000
Capital contributions      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 349,470,000,000    
Financial assets held for trading (IAS 39)     0
Beneficiary certificates      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 810,968,000,000    
Financial assets held for trading (IAS 39)     13,041,000,000
Loans      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 336,967,000,000    
Financial assets held for trading (IAS 39)     0
Derivatives instruments assets      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets at FVTPL mandatorily measured at fair value (IFRS 9) 2,391,211,000,000    
Financial assets at FVTPL ₩ 2,391,211,000,000    
Financial assets held for trading (IAS 39)     3,115,775,000,000
Financial assets at FVTPL (IAS 39)     3,115,775,000,000
Debt securities      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets designated at FVTPL (IAS 39)     9,694,000,000
Equity securities      
Disclosure of financial assets at fair value through profit or loss [Line Items]      
Financial assets designated at FVTPL (IAS 39)     ₩ 12,596,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
XML 156 R140.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at FVTOCI and AFS financial assets_Details of financial assets at FVTOCI and AFS financial assets (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI ₩ 14,644,608,000,000 [1] $ 13,171,981,000 [1] ₩ 0
Financial assets available-for-sale 0 $ 0 15,352,950,000,000
Debt securities      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 13,688,690,000,000    
Financial assets available-for-sale     13,058,988,000,000
Korean treasury and government agencies      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 2,195,526,000,000    
Financial assets available-for-sale     2,330,567,000,000
Financial institutions      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 7,370,107,000,000    
Financial assets available-for-sale     5,217,266,000,000
Corporates      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 1,797,635,000,000    
Financial assets available-for-sale     2,725,232,000,000
Asset-backed securities      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 0    
Financial assets available-for-sale     308,181,000,000
Bond denominated in foreign currencies      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 2,325,422,000,000    
Financial assets available-for-sale     2,442,579,000,000
Other debt securities      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets available-for-sale     35,163,000,000
Securities loaned      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 50,139,000,000    
Financial assets available-for-sale     170,256,000,000
Equity securities      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI 905,779,000,000    
Financial assets available-for-sale     1,411,078,000,000
Beneficiary certificates      
Disclosure of financial assets at fair value through other comprehensive income [Line Items]      
Financial assets at FVTOCI ₩ 0    
Financial assets available-for-sale     ₩ 712,628,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
XML 157 R141.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at FVTOCI and AFS financial assets_Details of equity securities designated as financial assets at FVTOCI (Details) - KRW (₩)
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2018
Jun. 30, 2018
Dec. 31, 2017
Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Line Items]      
Investments in equity instruments designated at fair value through other comprehensive income ₩ 905,779,000,000 ₩ 905,779,000,000  
Description of reason for disposing of investments in equity instruments designated at fair value through other comprehensive income   The Group disposed equity securities designated as financial assets at FVTOCI in accordance with the resolution of disposal from the creditors' council for the six months ended June 30, 2018.  
Fair value of investments in equity instruments designated at fair value through other comprehensive income at date of derecognition 3,974,000,000 ₩ 3,974,000,000  
Cumulative gain (loss) on disposal of investments in equity instruments designated at fair value through other comprehensive income (424,000,000) (424,000,000) ₩ 0
Strategic business partnership      
Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Line Items]      
Investments in equity instruments designated at fair value through other comprehensive income 737,104,000,000 ₩ 737,104,000,000  
Description of reason for using presentation alternative   Strategic business partnership  
Debt-equity swap      
Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Line Items]      
Investments in equity instruments designated at fair value through other comprehensive income 168,533,000,000 ₩ 168,533,000,000  
Description of reason for using presentation alternative   Debt-equity swap  
Others      
Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Line Items]      
Investments in equity instruments designated at fair value through other comprehensive income ₩ 142,000,000 ₩ 142,000,000  
Description of reason for using presentation alternative [1]   Others  
[1] Cooperate insurance, etc.
XML 158 R142.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at FVTOCI and AFS financial assets_Changes in loss allowance of financial assets at FVTOCI (Details) - KRW (₩)
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Jun. 30, 2018
Jun. 30, 2017
Disclosure of reconciliation of changes in loss allowance for financial assets at fair value through other comprehensive income [Line Items]        
Beginning balance [1]     ₩ (4,236,000,000)  
Increase (decrease) in impairment loss financial assets at financial assets at fair value through other comprehensive income [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit impaired financial assets     0  
Reversal of credit loss on financial assets at financial assets at FVTOCI ₩ (679,000,000) ₩ 0 (459,000,000) ₩ 0
Disposal     27,000,000  
Other increase (decrease) [2]     (2,000,000)  
Ending balance (4,670,000,000)   (4,670,000,000)  
Financial assets at fair value through other comprehensive income, category [Member] | Stage 1        
Disclosure of reconciliation of changes in loss allowance for financial assets at fair value through other comprehensive income [Line Items]        
Beginning balance [1]     (4,107,000,000)  
Increase (decrease) in impairment loss financial assets at financial assets at fair value through other comprehensive income [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit impaired financial assets     0  
Reversal of credit loss on financial assets at financial assets at FVTOCI     (562,000,000)  
Disposal     27,000,000  
Other increase (decrease) [2]     (2,000,000)  
Ending balance (4,644,000,000)   (4,644,000,000)  
Financial assets at fair value through other comprehensive income, category [Member] | Stage 2        
Disclosure of reconciliation of changes in loss allowance for financial assets at fair value through other comprehensive income [Line Items]        
Beginning balance [1]     (129,000,000)  
Increase (decrease) in impairment loss financial assets at financial assets at fair value through other comprehensive income [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit impaired financial assets     0  
Reversal of credit loss on financial assets at financial assets at FVTOCI     103,000,000  
Disposal     0  
Other increase (decrease)     0  
Ending balance (26,000,000)   (26,000,000)  
Financial assets at fair value through other comprehensive income, category [Member] | Stage 3        
Disclosure of reconciliation of changes in loss allowance for financial assets at fair value through other comprehensive income [Line Items]        
Beginning balance [1]     0  
Increase (decrease) in impairment loss financial assets at financial assets at fair value through other comprehensive income [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit impaired financial assets     0  
Reversal of credit loss on financial assets at financial assets at FVTOCI     0  
Disposal     0  
Other increase (decrease)     0  
Ending balance ₩ 0   ₩ 0  
[1] The beginning balance was restated in accordance with IFRS 9.
[2] Others consist of foreign currencies translation, etc.
XML 159 R143.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial assets at FVTOCI and AFS financial assets_Changes in gross carrying amount of financial assets at FVTOCI (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Explanation of changes in gross carrying amount for financial assets at fair value through other comprehensive income [Line Items]  
Beginning balance ₩ 12,874,209,000,000
Increase (decrease) in financial assets [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 5,075,597,000,000
Disposal and Redemption (4,309,182,000,000)
Gain (loss) on valuation 12,884,000,000
Amortization on the effective interest method (2,289,000,000)
Other increase (decrease) 87,610,000,000 [1]
Ending balance 13,738,829,000,000
Financial assets at fair value through other comprehensive income, category [Member] | Stage 1  
Explanation of changes in gross carrying amount for financial assets at fair value through other comprehensive income [Line Items]  
Beginning balance 12,843,997,000,000
Increase (decrease) in financial assets [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 5,075,597,000,000
Disposal and Redemption (4,294,135,000,000)
Gain (loss) on valuation 12,874,000,000
Amortization on the effective interest method (2,289,000,000)
Other increase (decrease) 87,610,000,000 [1]
Ending balance 13,723,654,000,000
Financial assets at fair value through other comprehensive income, category [Member] | Stage 2  
Explanation of changes in gross carrying amount for financial assets at fair value through other comprehensive income [Line Items]  
Beginning balance 30,212,000,000
Increase (decrease) in financial assets [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 0
Disposal and Redemption (15,047,000,000)
Gain (loss) on valuation 10,000,000
Amortization on the effective interest method 0
Other increase (decrease) 0
Ending balance 15,175,000,000
Financial assets at fair value through other comprehensive income, category [Member] | Stage 3  
Explanation of changes in gross carrying amount for financial assets at fair value through other comprehensive income [Line Items]  
Beginning balance 0
Increase (decrease) in financial assets [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 0
Disposal and Redemption 0
Gain (loss) on valuation 0
Amortization on the effective interest method 0
Other increase (decrease) 0
Ending balance ₩ 0
[1] Others consist of foreign currencies translation, etc.
XML 160 R144.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities at amortized cost and HTM financial assets_Details of securities at amortized cost and HTM financial assets (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of securities at amortised cost and held to maturity financial assets [Line Items]      
Securities at amortized cost ₩ 17,702,129,000,000 [1] $ 15,922,044,000 ₩ 0
Held-to-maturity financial assets 0 $ 0 16,749,296,000,000
Securities at amortised cost and held to maturity investments category [Member] | Accumulated impairment losses      
Disclosure of securities at amortised cost and held to maturity financial assets [Line Items]      
Securities at amortized cost (5,250,000,000)    
Held-to-maturity financial assets     0
Korean treasury and government agencies      
Disclosure of securities at amortised cost and held to maturity financial assets [Line Items]      
Securities at amortized cost 4,630,598,000,000    
Held-to-maturity financial assets     3,994,857,000,000
Financial institutions      
Disclosure of securities at amortised cost and held to maturity financial assets [Line Items]      
Securities at amortized cost 7,767,490,000,000    
Held-to-maturity financial assets     7,245,426,000,000
Corporates      
Disclosure of securities at amortised cost and held to maturity financial assets [Line Items]      
Securities at amortized cost 5,074,097,000,000    
Held-to-maturity financial assets     5,311,970,000,000
Bond denominated in foreign currencies      
Disclosure of securities at amortised cost and held to maturity financial assets [Line Items]      
Securities at amortized cost ₩ 235,194,000,000    
Held-to-maturity financial assets     ₩ 197,043,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
XML 161 R145.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities at amortized cost and HTM financial assets_Changes in loss allowance of securities at amortized cost (Details) - KRW (₩)
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Jun. 30, 2018
Jun. 30, 2017
Disclosure of reconciliation of changes in loss allowance for securities at amortised cost [Line Items]        
Beginning balance [1]     ₩ (5,078,000,000)  
Increase (decrease) in impairment loss securities at amortised cost [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit-impaired financial assets     0  
Reversal of credit loss on securities at amortized cost losses ₩ (199,000,000) ₩ 0 (191,000,000) ₩ 0
Disposal     22,000,000  
Others [2]     (3,000,000)  
Ending balance (5,250,000,000)   (5,250,000,000)  
Securities at amortized cost | Stage 1        
Disclosure of reconciliation of changes in loss allowance for securities at amortised cost [Line Items]        
Beginning balance [1]     (5,078,000,000)  
Increase (decrease) in impairment loss securities at amortised cost [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit-impaired financial assets     0  
Reversal of credit loss on securities at amortized cost losses     (191,000,000)  
Disposal     22,000,000  
Others [2]     (3,000,000)  
Ending balance (5,250,000,000)   (5,250,000,000)  
Securities at amortized cost | Stage 2        
Disclosure of reconciliation of changes in loss allowance for securities at amortised cost [Line Items]        
Beginning balance [1]     0  
Increase (decrease) in impairment loss securities at amortised cost [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit-impaired financial assets     0  
Reversal of credit loss on securities at amortized cost losses     0  
Disposal     0  
Others     0  
Ending balance 0   0  
Securities at amortized cost | Stage 3        
Disclosure of reconciliation of changes in loss allowance for securities at amortised cost [Line Items]        
Beginning balance [1]     0  
Increase (decrease) in impairment loss securities at amortised cost [Abstract]        
Transfer to 12-month expected credit losses     0  
Transfer to lifetime expected credit losses     0  
Transfer to credit-impaired financial assets     0  
Reversal of credit loss on securities at amortized cost losses     0  
Disposal     0  
Others     0  
Ending balance ₩ 0   ₩ 0  
[1] The beginning balance was restated in accordance with IFRS 9.
[2] Others consist of foreign currencies translation, etc.
XML 162 R146.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities at amortized cost and HTM financial assets_Changes in carrying amount of securities at amortized cost (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Explanation of changes in gross carrying amount for securities at amortised cost [Line Items]  
Beginning balance ₩ 16,749,296,000,000
Increase (decrease) in impairment loss securities at amortised cost [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 5,829,462,000,000
Disposal and Redemption (4,873,896,000,000)
Amortization on the effective interest method (6,008,000,000)
Other increase (decrease) 8,525,000,000 [1]
Ending balance 17,707,379,000,000
Securities at amortized cost | Stage 1  
Explanation of changes in gross carrying amount for securities at amortised cost [Line Items]  
Beginning balance 16,749,296,000,000
Increase (decrease) in impairment loss securities at amortised cost [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 5,829,462,000,000
Disposal and Redemption (4,873,896,000,000)
Amortization on the effective interest method (6,008,000,000)
Other increase (decrease) 8,525,000,000 [1]
Ending balance 17,707,379,000,000
Securities at amortized cost | Stage 2  
Explanation of changes in gross carrying amount for securities at amortised cost [Line Items]  
Beginning balance 0
Increase (decrease) in impairment loss securities at amortised cost [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 0
Disposal and Redemption 0
Amortization on the effective interest method 0
Other increase (decrease) 0
Ending balance 0
Securities at amortized cost | Stage 3  
Explanation of changes in gross carrying amount for securities at amortised cost [Line Items]  
Beginning balance 0
Increase (decrease) in impairment loss securities at amortised cost [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Acquisition 0
Disposal and Redemption 0
Amortization on the effective interest method 0
Other increase (decrease) 0
Ending balance ₩ 0
[1] Others consist of foreign currencies translation, etc.
XML 163 R147.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Details of loans and other financial assets at amortized cost, and loans and receivables (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of loans and other financial assets at amortised cost and loans and receivables [Abstract]      
Due from banks ₩ 17,770,356,000,000   ₩ 8,868,378,000,000
Loans 248,794,014,000,000   251,523,301,000,000
Other financial assets (other receivables) 11,155,633,000,000   6,714,525,000,000
Total 0 $ 0 267,106,204,000,000
Total ₩ 277,720,003,000,000 [1] $ 249,793,131,000 ₩ 0
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
XML 164 R148.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Details of due from banks (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Cashand cash equivalents [Line Items]    
Total ₩ 17,770,356,000,000 ₩ 8,868,378,000,000
Due from banks in local currency    
Cashand cash equivalents [Line Items]    
Total 14,655,439,000,000 6,422,473,000,000
Due from banks in local currency | Loss allowance    
Cashand cash equivalents [Line Items]    
Total (3,475,000,000) (1,541,000,000)
Due from banks in local currency | Due from the Bank of Korea | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total 14,500,746,000,000 6,246,496,000,000
Due from banks in local currency | Due from the depository banks | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total 90,003,000,000 30,003,000,000
Due from banks in local currency | Due from non-monetary financial institutions | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total 33,000,000 150,000,000
Due from banks in local currency | Due from the Korea Exchange | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total 0 50,000,000,000
Due from banks in local currency | Others | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total 68,132,000,000 97,365,000,000
Due from banks in foreign currencies    
Cashand cash equivalents [Line Items]    
Total 3,114,917,000,000 2,445,905,000,000
Due from banks in foreign currencies | Loss allowance    
Cashand cash equivalents [Line Items]    
Total (2,137,000,000) (917,000,000)
Due from banks in foreign currencies | Due from banks on demand | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total 1,055,513,000,000 794,353,000,000
Due from banks in foreign currencies | Due from banks on time | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total 1,237,312,000,000 972,915,000,000
Due from banks in foreign currencies | Others | Gross carrying amount [Member]    
Cashand cash equivalents [Line Items]    
Total ₩ 824,229,000,000 ₩ 679,554,000,000
XML 165 R149.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Details of restricted due from banks (Details) - KRW (₩)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Restricted due from financial institutions [Line Items]    
Total ₩ 16,437,790 ₩ 7,495,518
Due from banks in local currency    
Restricted due from financial institutions [Line Items]    
Total 14,564,896 6,340,890
Due from banks in local currency | Due from the Bank of Korea    
Restricted due from financial institutions [Line Items]    
Total ₩ 14,500,746 ₩ 6,246,496
Reason of restriction Reserve deposits under BOK Act Reserve deposits under BOK Act
Counterparty The BOK The BOK
Due from banks in local currency | Others    
Restricted due from financial institutions [Line Items]    
Total ₩ 64,150 ₩ 94,394
Reason of restriction Central counterparty KRW margin and others Central counterparty KRW margin and others
Counterparty The Korea Exchange and others The Korea Exchange and others
Due from banks in foreign currencies    
Restricted due from financial institutions [Line Items]    
Total ₩ 1,872,894 ₩ 1,154,628
Due from banks in foreign currencies | Due from banks on demand    
Restricted due from financial institutions [Line Items]    
Total ₩ 824,229 ₩ 787,520
Reason of restriction Reserve deposits and others Reserve deposits under the BOK Act and others
Counterparty The People’s Bank of China and others The BOK and others
Due from banks in foreign currencies | Others    
Restricted due from financial institutions [Line Items]    
Total ₩ 1,048,609 ₩ 367,108
Reason of restriction Reserve deposits under the BOK Act and others Reserve deposits and others
Counterparty The BOK and others The People’s Bank of China and others
Due from banks in foreign currencies | Due from banks on time    
Restricted due from financial institutions [Line Items]    
Total ₩ 56  
Reason of restriction Fast And Secure Transfer(Payment system)  
Counterparty National Bank of Cambodia  
XML 166 R150.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Changes in loss allowance of due from banks (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Reconciliation of changes in loss allowance for due from financial institutions [Line Items]  
Beginning balance ₩ (3,092,000,000) [1]
Increase (decrease) in impairment loss due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Net provision of loss allowance (2,500,000,000)
Others (20,000,000) [2]
Ending balance (5,612,000,000)
Stage 1  
Reconciliation of changes in loss allowance for due from financial institutions [Line Items]  
Beginning balance (3,092,000,000) [1]
Increase (decrease) in impairment loss due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Net provision of loss allowance (2,500,000,000)
Others (20,000,000) [2]
Ending balance (5,612,000,000)
Stage 2  
Reconciliation of changes in loss allowance for due from financial institutions [Line Items]  
Beginning balance 0
Increase (decrease) in impairment loss due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Net provision of loss allowance 0
Others 0
Ending balance 0
Stage 3  
Reconciliation of changes in loss allowance for due from financial institutions [Line Items]  
Beginning balance 0
Increase (decrease) in impairment loss due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 00
Transfer to lifetime expected credit losses 0
Transfer to credit impaired financial assets 0
Net provision of loss allowance 0
Others 0
Ending balance ₩ 0
[1] The beginning balance was restated in accordance with IFRS 9.
[2] Others consist of foreign currencies translation and etc.
XML 167 R151.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Changes in gross carrying amount of due from banks (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Reconciliation of changes in gross carrying amount of due from financial institutions [Line Items]  
Beginning balance ₩ 8,870,835,000,000
Changes in gross carrying amount of due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit-impaired financial assets 0
Net increase 8,855,041,000,000
Others 50,092,000,000 [1]
Ending balance 17,775,968,000,000
Stage 1  
Reconciliation of changes in gross carrying amount of due from financial institutions [Line Items]  
Beginning balance 8,870,835,000,000
Changes in gross carrying amount of due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit-impaired financial assets 0
Net increase 8,855,041,000,000
Others 50,092,000,000 [1]
Ending balance 17,775,968,000,000
Stage 2  
Reconciliation of changes in gross carrying amount of due from financial institutions [Line Items]  
Beginning balance 0
Changes in gross carrying amount of due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit-impaired financial assets 0
Net increase 0
Others 0
Ending balance 0
Stage 3  
Reconciliation of changes in gross carrying amount of due from financial institutions [Line Items]  
Beginning balance 0
Changes in gross carrying amount of due from financial institutions [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit-impaired financial assets 0
Net increase 0
Others 0
Ending balance ₩ 0
[1] Others consist of foreign currencies translation and etc.
XML 168 R152.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Details of loans (Details) - KRW (₩)
₩ in Millions
Jun. 30, 2018
Dec. 31, 2017
Disclosure of loans other than banks [Line Items]    
Total ₩ 248,794,014 ₩ 251,523,301
Present value discount    
Disclosure of loans other than banks [Line Items]    
Total (5,068) (10,988)
Loss allowance    
Disclosure of loans other than banks [Line Items]    
Total (1,750,305) (1,770,222)
Loans in local currency | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 204,830,133 200,213,230
Loans in foreign currencies | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 14,731,407 13,147,888
Domestic banker’s letter of credit | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 3,074,011 2,516,907
Credit card accounts | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 7,570,281 6,827,295
Bills bought in foreign currencies | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 6,830,374 8,197,159
Bills bought in local currency | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 257,405 334,714
Factoring receivables | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 61,382 137,523
Advances for customers on guarantees | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 14,910 23,620
Privately placed bonds | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 433,591 362,319
Securitized loans | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 1,228,212 563,152
Call loans | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 3,135,670 3,003,455
Bonds purchased under resale agreements | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 6,999,881 16,859,064
Loan origination costs and fees | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total 545,864 510,860
Others | Gross carrying amount [Member]    
Disclosure of loans other than banks [Line Items]    
Total ₩ 836,266 ₩ 607,325
XML 169 R153.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Changes in loss allowance on loans (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance   ₩ (2,027,096,000,000)
Changes in allowance account for credit losses of financial assets [Abstract]    
Net reversal of provision (net provision)   (333,976,000,000)
Recoveries of written off loans   (101,789,000,000)
Charge off   443,646,000,000
Sales of loans and receivables   88,525,000,000
Unwinding effect   24,667,000,000
Others   178,851,000,000
Ending balance   (1,727,172,000,000)
Stage 1    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] ₩ (523,859,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses (43,101,000,000)  
Transfer to lifetime expected credit losses 30,302,000,000  
Transfer to credit-impaired financial assets 22,851,000,000  
Net reversal (provision) of loss allowance (28,912,000,000)  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 0  
Unwinding effect 0  
Others [2] 21,920,000,000  
Ending balance (520,799,000,000)  
Stage 2    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (368,747,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 42,311,000,000  
Transfer to lifetime expected credit losses (121,784,000,000)  
Transfer to credit-impaired financial assets 37,781,000,000  
Net reversal (provision) of loss allowance (10,619,000,000)  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 67,000,000  
Unwinding effect 0  
Others [2] (126,000,000)  
Ending balance (421,117,000,000)  
Stage 3    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (1,125,269,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 790,000,000  
Transfer to lifetime expected credit losses 91,482,000,000  
Transfer to credit-impaired financial assets (60,632,000,000)  
Net reversal (provision) of loss allowance 12,444,000,000  
Recoveries of loans previously charged off (104,371,000,000)  
Charge off 343,553,000,000  
Disposal 18,456,000,000  
Unwinding effect 16,626,000,000  
Others [2] (1,468,000,000)  
Ending balance (808,389,000,000)  
Consumers    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance   (163,858,000,000)
Changes in allowance account for credit losses of financial assets [Abstract]    
Net reversal of provision (net provision)   (65,582,000,000)
Recoveries of written off loans   (21,659,000,000)
Charge off   67,593,000,000
Sales of loans and receivables   830,000,000
Unwinding effect   4,620,000,000
Others   416,000,000
Ending balance   (177,640,000,000)
Consumers | Stage 1    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (101,479,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses (9,219,000,000)  
Transfer to lifetime expected credit losses 6,076,000,000  
Transfer to credit-impaired financial assets 19,177,000,000  
Net reversal (provision) of loss allowance (22,903,000,000)  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 0  
Unwinding effect 0  
Others [2] (1,994,000,000)  
Ending balance (110,342,000,000)  
Consumers | Stage 2    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (41,358,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 8,797,000,000  
Transfer to lifetime expected credit losses (7,514,000,000)  
Transfer to credit-impaired financial assets 23,228,000,000  
Net reversal (provision) of loss allowance (29,025,000,000)  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 0  
Unwinding effect 0  
Others [2] (39,000,000)  
Ending balance (45,911,000,000)  
Consumers | Stage 3    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (117,168,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 421,000,000  
Transfer to lifetime expected credit losses 1,438,000,000  
Transfer to credit-impaired financial assets (42,406,000,000)  
Net reversal (provision) of loss allowance (51,219,000,000)  
Recoveries of loans previously charged off (23,392,000,000)  
Charge off 117,228,000,000  
Disposal 780,000,000  
Unwinding effect 3,665,000,000  
Others [2] (1,156,000,000)  
Ending balance (111,809,000,000)  
Corporates    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance   (1,498,842,000,000)
Changes in allowance account for credit losses of financial assets [Abstract]    
Net reversal of provision (net provision)   (191,263,000,000)
Recoveries of written off loans   (55,319,000,000)
Charge off   220,598,000,000
Sales of loans and receivables   58,431,000,000
Unwinding effect   20,047,000,000
Others   179,068,000,000
Ending balance   (1,267,280,000,000)
Corporates | Stage 1    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (365,246,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses (20,913,000,000)  
Transfer to lifetime expected credit losses 17,263,000,000  
Transfer to credit-impaired financial assets 2,976,000,000  
Net reversal (provision) of loss allowance (5,600,000,000)  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 0  
Unwinding effect 0  
Others [2] 23,916,000,000  
Ending balance (347,604,000,000)  
Corporates | Stage 2    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (255,926,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 20,634,000,000  
Transfer to lifetime expected credit losses (106,963,000,000)  
Transfer to credit-impaired financial assets 12,016,000,000  
Net reversal (provision) of loss allowance 30,121,000,000  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 67,000,000  
Unwinding effect 0  
Others [2] (87,000,000)  
Ending balance (300,138,000,000)  
Corporates | Stage 3    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (905,243,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 280,000,000  
Transfer to lifetime expected credit losses 89,700,000,000  
Transfer to credit-impaired financial assets (14,991,000,000)  
Net reversal (provision) of loss allowance 154,111,000,000  
Recoveries of loans previously charged off (52,273,000,000)  
Charge off 121,847,000,000  
Disposal 17,676,000,000  
Unwinding effect 12,961,000,000  
Others [2] (312,000,000)  
Ending balance (576,244,000,000)  
Credit card    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance   (155,372,000,000)
Changes in allowance account for credit losses of financial assets [Abstract]    
Net reversal of provision (net provision)   (91,022,000,000)
Recoveries of written off loans   (24,808,000,000)
Charge off   104,195,000,000
Sales of loans and receivables   0
Unwinding effect   0
Others   0
Ending balance   (167,007,000,000)
Credit card | Stage 1    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (57,134,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses (12,969,000,000)  
Transfer to lifetime expected credit losses 6,963,000,000  
Transfer to credit-impaired financial assets 698,000,000  
Net reversal (provision) of loss allowance (409,000,000)  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 0  
Unwinding effect 0  
Others [2] (2,000,000)  
Ending balance (62,853,000,000)  
Credit card | Stage 2    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (71,463,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 12,880,000,000  
Transfer to lifetime expected credit losses (7,307,000,000)  
Transfer to credit-impaired financial assets 2,537,000,000  
Net reversal (provision) of loss allowance (11,715,000,000)  
Recoveries of loans previously charged off 0  
Charge off 0  
Disposal 0  
Unwinding effect 0  
Others 0  
Ending balance (75,068,000,000)  
Credit card | Stage 3    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance [1] (102,858,000,000)  
Changes in allowance account for credit losses of financial assets [Abstract]    
Transfer to 12-month expected credit losses 89,000,000  
Transfer to lifetime expected credit losses 344,000,000  
Transfer to credit-impaired financial assets (3,235,000,000)  
Net reversal (provision) of loss allowance (90,448,000,000)  
Recoveries of loans previously charged off (28,706,000,000)  
Charge off 104,478,000,000  
Disposal 0  
Unwinding effect 0  
Others 0  
Ending balance ₩ (120,336,000,000)  
Others    
Reconciliation of changes in allowance account for credit losses of financial assets [Line Items]    
Beginning balance   (209,024,000,000)
Changes in allowance account for credit losses of financial assets [Abstract]    
Net reversal of provision (net provision)   13,891,000,000
Recoveries of written off loans   (3,000,000)
Charge off   51,260,000,000
Sales of loans and receivables   29,264,000,000
Unwinding effect   0
Others   (633,000,000)
Ending balance   ₩ (115,245,000,000)
[1] The beginning balance was restated in accordance with IFRS 9.
[2] Others consist of debt-equity swap, foreign currencies translation and etc.
XML 170 R154.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Changes in gross carrying amount of loans (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Stage 1  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance ₩ 239,785,876,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses 3,129,883,000,000
Transfer to lifetime expected credit losses (5,144,000,000,000)
Transfer to credit-impaired financial assets (268,106,000,000)
Charge off 0
Disposal 0
Net increase (decrease) (884,279,000,000)
Ending balance 236,619,374,000,000
Stage 2  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 11,423,990,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (3,124,443,000,000)
Transfer to lifetime expected credit losses 5,269,372,000,000
Transfer to credit-impaired financial assets (243,986,000,000)
Charge off 0
Disposal (1,153,000,000)
Net increase (decrease) (1,385,273,000,000)
Ending balance 11,938,507,000,000
Stage 3  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 2,127,132,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (5,440,000,000)
Transfer to lifetime expected credit losses (125,372,000,000)
Transfer to credit-impaired financial assets 512,092,000,000
Charge off (343,553,000,000)
Disposal (81,178,000,000)
Net increase (decrease) (97,243,000,000)
Ending balance 1,986,438,000,000
Consumers | Stage 1  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 103,502,347,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses 1,772,982,000,000
Transfer to lifetime expected credit losses (2,731,516,000,000)
Transfer to credit-impaired financial assets (84,885,000,000)
Charge off 0
Disposal 0
Net increase (decrease) 2,913,765,000,000
Ending balance 105,372,693,000,000
Consumers | Stage 2  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 5,487,758,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (1,768,978,000,000)
Transfer to lifetime expected credit losses 2,746,818,000,000
Transfer to credit-impaired financial assets (101,151,000,000)
Charge off 0
Disposal (270,000,000)
Net increase (decrease) (742,949,000,000)
Ending balance 5,621,228,000,000
Consumers | Stage 3  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 326,739,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (4,004,000,000)
Transfer to lifetime expected credit losses (15,302,000,000)
Transfer to credit-impaired financial assets 186,036,000,000
Charge off (117,228,000,000)
Disposal (13,483,000,000)
Net increase (decrease) (22,980,000,000)
Ending balance 339,778,000,000
Corporates | Stage 1  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 130,561,786,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses 1,113,857,000,000
Transfer to lifetime expected credit losses (2,112,755,000,000)
Transfer to credit-impaired financial assets (155,933,000,000)
Charge off 0
Disposal 0
Net increase (decrease) (4,520,684,000,000)
Ending balance 124,886,271,000,000
Corporates | Stage 2  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 5,000,966,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (1,112,533,000,000)
Transfer to lifetime expected credit losses 2,222,364,000,000
Transfer to credit-impaired financial assets (118,707,000,000)
Charge off 0
Disposal (883,000,000)
Net increase (decrease) (688,875,000,000)
Ending balance 5,302,332,000,000
Corporates | Stage 3  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 1,622,410,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (1,324,000,000)
Transfer to lifetime expected credit losses (109,609,000,000)
Transfer to credit-impaired financial assets 274,640,000,000
Charge off (121,847,000,000)
Disposal (67,695,000,000)
Net increase (decrease) (149,456,000,000)
Ending balance 1,447,119,000,000
Credit card | Stage 1  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 5,721,743,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses 243,044,000,000
Transfer to lifetime expected credit losses (299,729,000,000)
Transfer to credit-impaired financial assets (27,288,000,000)
Charge off 0
Disposal 0
Net increase (decrease) 722,640,000,000
Ending balance 6,360,410,000,000
Credit card | Stage 2  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 935,266,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (242,932,000,000)
Transfer to lifetime expected credit losses 300,190,000,000
Transfer to credit-impaired financial assets (24,128,000,000)
Charge off 0
Disposal 0
Net increase (decrease) 46,551,000,000
Ending balance 1,014,947,000,000
Credit card | Stage 3  
Reconciliation of changes in gross carrying amount of loans [Line Items]  
Beginning balance 177,983,000,000
Changes in gross carrying amount of loans [Abstract]  
Transfer to 12-month expected credit losses (112,000,000)
Transfer to lifetime expected credit losses (461,000,000)
Transfer to credit-impaired financial assets 51,416,000,000
Charge off (104,478,000,000)
Disposal 0
Net increase (decrease) 75,193,000,000
Ending balance ₩ 199,541,000,000
XML 171 R155.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Details of other financial assests other receivables (Details) - KRW (₩)
₩ in Millions
Jun. 30, 2018
Dec. 31, 2017
Disclosure of other financial assets [Line Items]    
Other receivables ₩ 11,155,633 ₩ 6,714,525
Loss allowance    
Disclosure of other financial assets [Line Items]    
Other receivables (74,839) (57,563)
CMA accounts | Gross carrying amount [Member]    
Disclosure of other financial assets [Line Items]    
Other receivables 200,000 135,000
Receivables | Gross carrying amount [Member]    
Disclosure of other financial assets [Line Items]    
Other receivables 8,721,745 4,459,318
Accrued income | Gross carrying amount [Member]    
Disclosure of other financial assets [Line Items]    
Other receivables 1,055,713 1,026,273
Telex and telephone subscription rights and refundable deposits | Gross carrying amount [Member]    
Disclosure of other financial assets [Line Items]    
Other receivables 980,611 984,620
Other receivables | Gross carrying amount [Member]    
Disclosure of other financial assets [Line Items]    
Other receivables ₩ 272,403 ₩ 166,877
XML 172 R156.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Changes in loss allowance on other financial assets (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Reconciliation of changes in allowance account for credit losses of other receivables [Line Items]  
Beginning balance ₩ (58,998,000,000) [1]
Changes in allowance account for credit losses of other receivables [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit-impaired financial assets 0
Net provision of loss allowance (31,470,000,000)
Recoveries of other financial assets previously (2,000,000)
Charge off 15,225,000,000
Disposal 593,000,000
Others (187,000,000)
Ending balance (74,839,000,000)
Stage 1  
Reconciliation of changes in allowance account for credit losses of other receivables [Line Items]  
Beginning balance (2,955,000,000) [1]
Changes in allowance account for credit losses of other receivables [Abstract]  
Transfer to 12-month expected credit losses (161,000,000)
Transfer to lifetime expected credit losses 112,000,000
Transfer to credit-impaired financial assets 23,000,000
Net provision of loss allowance (360,000,000)
Recoveries of other financial assets previously 0
Charge off 0
Disposal 0
Others (208,000,000)
Ending balance (3,549,000,000)
Stage 2  
Reconciliation of changes in allowance account for credit losses of other receivables [Line Items]  
Beginning balance (1,832,000,000) [1]
Changes in allowance account for credit losses of other receivables [Abstract]  
Transfer to 12-month expected credit losses 146,000,000
Transfer to lifetime expected credit losses (122,000,000)
Transfer to credit-impaired financial assets 167,000,000
Net provision of loss allowance (256,000,000)
Recoveries of other financial assets previously 0
Charge off 0
Disposal 0
Others 0
Ending balance (1,897,000,000)
Stage 3  
Reconciliation of changes in allowance account for credit losses of other receivables [Line Items]  
Beginning balance (54,211,000,000) [1]
Changes in allowance account for credit losses of other receivables [Abstract]  
Transfer to 12-month expected credit losses 15,000,000
Transfer to lifetime expected credit losses 10,000,000
Transfer to credit-impaired financial assets (190,000,000)
Net provision of loss allowance (30,854,000,000)
Recoveries of other financial assets previously (2,000,000)
Charge off 15,225,000,000
Disposal 593,000,000
Others 21,000,000
Ending balance ₩ (69,393,000,000)
[1] The beginning balance was restated in accordance with IFRS 9.
XML 173 R157.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and other financial assets at amortized cost, and loans and receivables_Changes in gross carrying amount of other financial assets (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
Reconciliation of changes in gross carrying amount of other receivables [Line Items]  
Beginning balance ₩ 6,771,371,000,000
Changes in gross carrying amount of other receivables [Abstract]  
Transfer to 12-month expected credit losses 0
Transfer to lifetime expected credit losses 0
Transfer to credit-impaired financial assets 0
Charge off (15,225,000,000)
Disposal (737,000,000)
Net increase 4,475,063,000,000
Ending balance 11,230,472,000,000
Stage 1  
Reconciliation of changes in gross carrying amount of other receivables [Line Items]  
Beginning balance 6,662,335,000,000
Changes in gross carrying amount of other receivables [Abstract]  
Transfer to 12-month expected credit losses 8,130,000,000
Transfer to lifetime expected credit losses (10,935,000,000)
Transfer to credit-impaired financial assets (768,000,000)
Charge off 0
Disposal 0
Net increase 4,460,291,000,000
Ending balance 11,119,053,000,000
Stage 2  
Reconciliation of changes in gross carrying amount of other receivables [Line Items]  
Beginning balance 29,124,000,000
Changes in gross carrying amount of other receivables [Abstract]  
Transfer to 12-month expected credit losses (8,109,000,000)
Transfer to lifetime expected credit losses 10,949,000,000
Transfer to credit-impaired financial assets (1,120,000,000)
Charge off 0
Disposal (2,000,000)
Net increase (1,650,000,000)
Ending balance 29,192,000,000
Stage 3  
Reconciliation of changes in gross carrying amount of other receivables [Line Items]  
Beginning balance 79,912,000,000
Changes in gross carrying amount of other receivables [Abstract]  
Transfer to 12-month expected credit losses (21,000,000)
Transfer to lifetime expected credit losses (14,000,000)
Transfer to credit-impaired financial assets 1,888,000,000
Charge off (15,225,000,000)
Disposal (735,000,000)
Net increase 16,422,000,000
Ending balance ₩ 82,227,000,000
XML 174 R158.htm IDEA: XBRL DOCUMENT v3.10.0.1
Fair value of financial assets and liabilities_Fair value hierarchy of financial assets and liabilities measured at fair value (Details)
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Fair value of financial instruments measured at fair value [Line Items]        
Description of level of fair value hierarchy within which fair value measurement is categorised The fair value hierarchy is determined by the levels of judgment involved in estimating fair values of financial assets and liabilities. The specific financial instruments characteristics and market condition such as volume of transactions and transparency are reflected to the market observable inputs. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities. The Group maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value of its financial assets and financial liabilities. Fair value is measured based on the perspective of a market participant. As such, even when market assumptions are not readily available, the Group’s own assumptions reflect those that market participants would use for measuring the assets or liabilities at the measurement date. The fair value measurement is described in the one of the following three levels used to classify fair value measurements: •Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies. •Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment. •Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity. The fair value hierarchy is determined by the levels of judgment involved in estimating fair values of financial assets and liabilities. The specific financial instruments characteristics and market condition such as volume of transactions and transparency are reflected to the market observable inputs. The fair value hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for identical assets or liabilities. The Group maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value of its financial assets and financial liabilities. Fair value is measured based on the perspective of a market participant. As such, even when market assumptions are not readily available, the Group’s own assumptions reflect those that market participants would use for measuring the assets or liabilities at the measurement date. The fair value measurement is described in the one of the following three levels used to classify fair value measurements: •Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies. •Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment. •Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity.    
Financial assets held for trading (IAS 39) ₩ 0 ₩ 5,820,787,000,000    
Financial assets designated at FVTPL (IAS 39) 0 22,290,000,000    
AFS financial assets 0 15,352,950,000,000 $ 0  
Financial assets at FVTPL 6,340,704,000,000 [1] 0 5,703,098,000 [1]  
Financial assets at FVTOCI 14,644,608,000,000 [1] 0 13,171,981,000 [1]  
Derivative financial assets 12,395,000,000 59,272,000,000 11,149,000  
Total 20,997,707,000,000 21,255,299,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 2,402,235,000,000 0    
Carrying amount 176,097,000,000 0   ₩ 0
Financial liabilities at FVTPL 2,578,332,000,000 [1] 0 2,319,061,000 [1]  
Financial liabilities held for trading 0 3,176,113,000,000    
Carrying amount Financial liabilities designated as at FVTPL (IAS39) 0 251,796,000,000   ₩ 616,177,000,000
Derivative financial liabilities 67,505,000,000 67,754,000,000 $ 60,717,000  
Total ₩ 2,645,837,000,000 ₩ 3,495,663,000,000    
Description of valuation processes used in fair value measurement assets Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods.    
Description of valuation processes used in fair value measurement liabilities Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods. Financial assets and liabilities at fair value through profit or loss mandatorily measured at fair value, financial liabilities at fair value through profit or loss designated as upon initial recognition, financial assets at FVTOCI, and derivative assets and liabilities are recognized at fair value. Fair value is the amount that would be received to sell an asset, or paid to transfer a liability, in an orderly transaction between market participants at the measurement date. Financial instruments are measured at fair value using a quoted market price in active markets. If there is no active market for a financial instrument, the Group determines the fair value using valuation methods.    
Input variables The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability. The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability.    
Input variables The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability. The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Group’s assessment of the significance of a particular input to a fair value measurement in its entirety requires judgment and consideration of inherent factors of the asset or liability.    
Financial assets | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Total ₩ 3,402,206,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Financial assets | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Total 15,383,135,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Financial assets | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Total 2,212,366,000,000      
Financial assets held for trading | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 454,601,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Financial assets held for trading | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   5,344,704,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Financial assets held for trading | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   21,482,000,000    
Deposits        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   25,972,000,000    
Deposits | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   25,972,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Deposits | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Deposits | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   0    
Debt securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 2,644,333,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.    
Input variables   Risk-free market rate, credit spread    
Debt securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 405,942,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Debt securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   2,238,391,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Debt securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   0    
Equity securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 21,666,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.    
Input variables   Risk-free market rate, market risk premium, Beta, etc.    
Equity securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 21,666,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Equity securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Equity securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   0    
Beneficiary certificates        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 13,041,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.    
Input variables   Risk-free market rate, market risk premium, Beta, etc.    
Beneficiary certificates | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Beneficiary certificates | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   13,041,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Beneficiary certificates | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   0    
Derivative assets        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 3,115,775,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.    
Input variables   Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.    
Derivative assets | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   ₩ 1,021,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Derivative assets | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   3,093,272,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Derivative assets | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets held for trading (IAS 39)   21,482,000,000    
Financial assets designated at FVTPL | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Financial assets designated at FVTPL | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Financial assets designated at FVTPL | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   22,290,000,000    
Debt securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   ₩ 9,694,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.    
Input variables   Risk-free market rate, credit spread    
Debt securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   ₩ 0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Debt securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Debt securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   9,694,000,000    
Equity securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   ₩ 12,596,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.    
Input variables   Risk-free market rate, market risk premium, Beta, etc.    
Equity securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   ₩ 0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Equity securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Equity securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets designated at FVTPL (IAS 39)   12,596,000,000    
AFS financial assets | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   3,179,164,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
AFS financial assets | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   10,518,016,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
AFS financial assets | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   ₩ 1,655,770,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Description of financial instruments measured at cost [3]   These unquoted equity instruments mostly represent minority investments in special purpose entity vehicles such as asset securitization structures They are measured at cost because observable inputs of financial information to measure fair value was not available to obtain or there is a significant variance in likely estimated cash flows or the probabilities for the various estimated cash flows could not be measured reliably In addition there were no indicators of impairments in these investments and the Group has no intention to dispose these investments in the foreseeable future    
Equity securities of financial assets available-for-sale measured at cost [3]   ₩ 37,092,000,000    
Debt securities        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   ₩ 13,058,988,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.    
Input variables   Risk-free market rate, credit spread    
Debt securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   ₩ 2,710,172,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Debt securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   10,348,816,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Debt securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   0    
Equity securities        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   ₩ 1,411,078,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.    
Input variables   Risk-free market rate, market risk premium, Beta, etc.    
Equity securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   ₩ 399,214,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Equity securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Equity securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   1,011,864,000,000    
Beneficiary certificates        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   ₩ 712,628,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods   Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.    
Input variables   Risk-free market rate, market risk premium, Beta, etc.    
Beneficiary certificates | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   ₩ 0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Beneficiary certificates | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   68,722,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Beneficiary certificates | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   643,906,000,000    
Securities loaned        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   170,256,000,000    
Securities loaned | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   69,778,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Securities loaned | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   100,478,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2]   0    
Transfers out of level2 into level1 of fair value hierarchy assets [2]   0    
Securities loaned | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
AFS financial assets   0    
Financial assets at FVTPL (IFRS 9) | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 498,176,000,000      
Total   3,633,765,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0 0    
Financial assets at FVTPL (IFRS 9) | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 4,095,903,000,000      
Total   15,921,992,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0 0    
Financial assets at FVTPL (IFRS 9) | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 1,746,625,000,000      
Total   ₩ 1,699,542,000,000    
Deposits        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 24,921,000,000      
Deposits | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 24,921,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Deposits | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Deposits | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 0      
Debt securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 1,993,851,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.      
Input variables Risk-free market rate, credit spread      
Debt securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 375,280,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Debt securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 1,611,129,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Debt securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 7,442,000,000      
Equity securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 433,316,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.      
Input variables Risk-free market rate, market risk premium, Beta, etc.      
Equity securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 80,536,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Equity securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Equity securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 352,780,000,000      
Capital contributions        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 349,470,000,000      
Capital contributions | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Capital contributions | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Capital contributions | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 349,470,000,000      
Beneficiary certificates        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 810,968,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.      
Input variables Risk-free market rate, market risk premium, Beta, etc.      
Beneficiary certificates | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Beneficiary certificates | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 62,173,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Beneficiary certificates | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 748,795,000,000      
Loans        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 336,967,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods The fair value of Loans is measured by the Binomial tree given the values of underlying assets and volatility.      
Input variables Values of underlying assets, Volatility      
Loans | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Loans | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 85,000,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Loans | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 251,967,000,000      
Derivative instrument assets        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 2,391,211,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.      
Input variables Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.      
Derivative instrument assets | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL ₩ 17,439,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Derivative instrument assets | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 2,337,601,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Derivative instrument assets | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTPL 36,171,000,000      
Financial assets at FVTOCI | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 2,904,030,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Financial assets at FVTOCI | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 11,274,837,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Financial assets at FVTOCI | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 465,741,000,000      
Debt securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI ₩ 13,688,690,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.      
Input variables Risk-free market rate, credit spread      
Debt securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI ₩ 2,463,992,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Debt securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 11,224,698,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Debt securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 0      
Equity securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI ₩ 905,779,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods Among DCF (Discounted Cash Flow) Model, FCFE (Free Cash Flow to Equity) Model, Comparable Company Analysis, Dividend Discount Model, Risk-adjusted Rate of Return Method, and Net Asset Value Method, more than one method is used given the characteristic of the subject of fair value measurement.      
Input variables Risk-free market rate, market risk premium, Beta, etc.      
Equity securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI ₩ 440,038,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Equity securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Equity securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 465,741,000,000      
Loaned securities        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 50,139,000,000      
Loaned securities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 0      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Loaned securities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI 50,139,000,000      
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0      
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0      
Loaned securities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Financial assets at FVTOCI ₩ 0      
Derivative assets        
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.    
Input variables Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.    
Derivative assets | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Derivative financial assets ₩ 0 ₩ 0    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0 0    
Derivative assets | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Derivative financial assets 12,395,000,000 59,272,000,000    
Financial liabilities at fair value through profit or loss [Abstract]        
Transfers out of level1 into level2 of fair value hierarchy assets [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy assets [2] 0 0    
Derivative assets | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Derivative financial assets ₩ 0 ₩ 0    
Financial liabilities | Level 1        
Fair value of financial instruments measured at fair value [Line Items]        
Description of level of fair value hierarchy within which fair value measurement is categorised Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies Level 1—fair value measurements are those derived from quoted prices (unadjusted) in active markets for identical assets or liabilities. The types of financial assets or liabilities generally included in Level 1 are publicly traded equity securities, derivatives, and debt securities issued by governmental bodies    
Financial liabilities at fair value through profit or loss [Abstract]        
Total ₩ 27,754,000,000 ₩ 28,577,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] ₩ 0 ₩ 0    
Financial liabilities | Level 2        
Fair value of financial instruments measured at fair value [Line Items]        
Description of level of fair value hierarchy within which fair value measurement is categorised Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment. Level 2— fair value measurements are those derived from inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e. prices) or indirectly (i.e. derived from prices). The types of financial assets or liabilities generally included in Level 2 are debt securities not traded in active markets and derivatives traded in OTC but not required significant judgment.    
Financial liabilities at fair value through profit or loss [Abstract]        
Total ₩ 2,401,063,000,000 ₩ 3,286,078,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] ₩ 0 ₩ 0    
Financial liabilities | Level 3        
Fair value of financial instruments measured at fair value [Line Items]        
Description of level of fair value hierarchy within which fair value measurement is categorised Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity Level 3— fair value measurements are those derived from valuation technique that include inputs for the asset or liability that are not based on observable market data (unobservable inputs). The types of financial assets or liabilities generally included in Level 3 are non-public securities and derivatives and debt securities of which valuation techniques require significant judgments and subjectivity    
Financial liabilities at fair value through profit or loss [Abstract]        
Total ₩ 217,020,000,000 ₩ 181,008,000,000    
Financial liabilities held for trading | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   28,577,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Financial liabilities held for trading | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   3,126,585,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Financial liabilities held for trading | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   20,951,000,000    
Deposits due to customers        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   25,964,000,000    
Deposits due to customers | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   25,964,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Deposits due to customers | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   0    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Deposits due to customers | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   0    
Derivative liabilities        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   ₩ 3,150,149,000,000    
Fair value measurement methods   The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.    
Input variables   Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.    
Derivative liabilities | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   ₩ 2,613,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Derivative liabilities | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   3,126,585,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Derivative liabilities | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities held for trading   20,951,000,000    
Financial liabilities designated at FVTPL | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   0    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Financial liabilities designated at FVTPL | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   91,739,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Financial liabilities designated at FVTPL | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   160,057,000,000    
Equity linked securities        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   ₩ 160,057,000,000    
Fair value measurement methods   The fair value of security linked to stock prices or derivatives is measured by the models such as DCF model, FDM, or Monte Carlo Simulation given the natures of the securities or underlying assets.    
Input variables   Values of underlying assets, Risk-free market rate, Market rate, Dividend and convenience yield, Correlation, Volatility, Credit spread, and Foreign Exchange rate    
Equity linked securities | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   ₩ 0    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Equity linked securities | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   0    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Equity linked securities | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   160,057,000,000    
Debentures        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   ₩ 91,739,000,000    
Fair value measurement methods   The fair value is measured by discounting the projected cash flows of a debenture by applying the market discount rate that is reflecting credit rating of the Group.    
Input variables   Risk-free market rate, Forward rate    
Debentures | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   ₩ 0    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Debentures | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   91,739,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2]   0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2]   0    
Debentures | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount Financial liabilities designated as at FVTPL (IAS39)   ₩ 0    
Financial liabilities at fair value through profit or loss mandatorily measured at fair value | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 27,754,000,000      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Financial liabilities at fair value through profit or loss mandatorily measured at fair value | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 2,333,558,000,000      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Financial liabilities at fair value through profit or loss mandatorily measured at fair value | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 40,923,000,000      
Deposits        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 24,485,000,000      
Deposits | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 24,485,000,000      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Deposits | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 0      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Deposits | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 0      
Derivative liabilities        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL ₩ 2,377,750,000,000      
Fair value measurement methods The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.      
Input variables Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.      
Derivative liabilities | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL ₩ 3,269,000,000      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Derivative liabilities | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL 2,333,558,000,000      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Derivative liabilities | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Financial liabilities at FVTPL ₩ 40,923,000,000      
Equity-linked securities        
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods The fair value of security linked to stock prices or derivatives is measured by the models such as DCF model, FDM, or Monte Carlo Simulation given the natures of the securities or underlying assets.      
Input variables Values of underlying assets, Risk-free market rate, Market rate, Dividend and convenience yield, Correlation, Volatility, Credit spread, and Foreign Exchange rate      
Equity-linked securities | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount ₩ 0      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Equity-linked securities | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount 0      
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0      
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0      
Equity-linked securities | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Carrying amount ₩ 176,097,000,000      
Derivative Liabilities        
Financial liabilities at fair value through profit or loss [Abstract]        
Fair value measurement methods The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation. The in-house developed model which is based on the models that are used by market participants in the valuation of general OTC derivative products, such as options, interest rate swaps, currency swap and currency forward that are based on inputs observable in the market. However, for some complicated financial instruments of which valuation should be based on some assumptions since some significant or all inputs to be used in the model are not observable in the market, the in-house derived model which is developed from the general valuation models, such as Finite Difference Method (“FDM”) or Monte Carlo Simulation.    
Input variables Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc. Risk-free market rate, forward rate, volatility, foreign exchange rate, stock prices, etc.    
Derivative Liabilities | Level 1        
Financial liabilities at fair value through profit or loss [Abstract]        
Derivative financial liabilities ₩ 0 ₩ 0    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0 0    
Derivative Liabilities | Level 2        
Financial liabilities at fair value through profit or loss [Abstract]        
Derivative financial liabilities 67,505,000,000 67,754,000,000    
Transfers out of level1 into level2 of fair value hierarchy liabilities [2] 0 0    
Transfers out of level2 into level1 of fair value hierarchy liabilities [2] 0 0    
Derivative Liabilities | Level 3        
Financial liabilities at fair value through profit or loss [Abstract]        
Derivative financial liabilities ₩ 0 ₩ 0    
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
[2] There were no transfers between Level 1 and Level 2 of financial assets and liabilities measured at fair value. The Group recognizes transfers among levels at the end of reporting period in which events have occurred or conditions have changed.
[3] Certain AFS unquoted equity securities were measured at cost as of December 31, 2017, that amounted to 37,092 million Won. These unquoted equity instruments mostly represent minority investments in structured entity vehicles, such as asset securitization structures. They are measured at cost because (a) observable inputs of financial information to measure fair value were not available to obtain, (b) there was a significant variance in likely estimated cash flows or (c) the probabilities for various estimated cash flows could not be measured reliably. In addition, the Group has no intention to dispose these investments in the foreseeable future.
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Fair value of financial assets and liabilities_Details of financial assets and liabilities classified into Level 3 of fair value hierarchy (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2017
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Gains losses from financial assets and liabilities classified as level3 that the group holds as at the end of the year ₩ 61,323,000,000 [1] ₩ 61,518,000,000 [2]  
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Unfavorable changes in unobservable inputs in other comprehensive income The sensitivity analysis of the financial instruments has been performed by classifying with favorable and unfavorable changes based on how changes in unobservable assumptions would have effects on the fluctuations of financial instruments’ value. When the fair value of a financial instrument is affected by more than one unobservable assumption, the below table reflects the most favorable or the most unfavorable changes which resulted from varying the assumptions individually. The sensitivity analysis was performed for two types of level 3 financial instruments: (1) debt securities, equity securities, interest rate related derivatives, currency related derivatives, equity related derivatives, equity-linked securities and beneficiary certificates of which fair value changes are recognized as net income; (2) equity securities of which fair value changes are recognized as other comprehensive income. Equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis. The equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis. The sensitivity analysis of the financial instruments has been performed by classifying with favorable and unfavorable changes based on how changes in unobservable assumptions would have effects on the fluctuations of financial instruments’ value. When the fair value of a financial instrument is affected by more than one unobservable assumption, the below table reflects the most favorable or the most unfavorable changes which resulted from varying the assumptions individually. The sensitivity analysis was performed for two types of level 3 financial instruments: (1) debt securities, equity securities, interest rate related derivatives, currency related derivatives, equity related derivatives, equity-linked securities and beneficiary certificates of which fair value changes are recognized as net income; (2) equity securities of which fair value changes are recognized as other comprehensive income. Equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis. The equity investments classified as Level 3 equity securities whose costs are considered to provide the best estimate of fair value are excluded from sensitivity analysis.  
Financial assets      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 1,873,686,000,000 ₩ 1,595,698,000,000 ₩ 1,595,698,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 126,709,000,000 44,069,000,000  
Other comprehensive income(loss) 14,557,000,000 7,987,000,000  
Purchases Issuances 2,152,168,000,000 156,908,000,000  
Disposals Settlements (1,954,754,000,000) (119,996,000,000)  
Transfer to or from level 3 [3] 0 0  
Ending balance 2,212,366,000,000 1,684,666,000,000 1,873,686,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) 17,817,000,000   2,169,000,000
Unfavorable changes in unobservable inputs in net income(loss) (12,665,000,000)   (1,459,000,000)
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 19,464,000,000   30,444,000,000
Unfavorable changes in unobservable inputs in other comprehensive income(loss) (8,704,000,000)   (17,103,000,000)
Financial assets at fair value through profit or loss category in accordance with IAS 39 [Member]      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   17,000,000,000 17,000,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   (16,000,000)  
Other comprehensive income(loss)   0  
Purchases Issuances   2,000,000,000  
Disposals Settlements   0  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 18,984,000,000  
Derivative assets      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique   Option valuation model and others  
Input variable   Correlation coefficient Volatility of underlying asset  
Impact of changes in significant unobservable inputs on fair value measurement   Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases.  
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 23,153,000,000 23,153,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   21,217,000,000  
Other comprehensive income(loss)   0  
Purchases Issuances   472,000,000  
Disposals Settlements   (17,420,000,000)  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 27,422,000,000  
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [4],[5]     1,234,000,000
Unfavorable changes in unobservable inputs in net income(loss) [4],[5]     (526,000,000)
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss)     0
Unfavorable changes in unobservable inputs in other comprehensive income(loss)     0
Derivative assets | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   10.61%  
Correlation coefficient   90.00%  
Derivative assets | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   27.59%  
Correlation coefficient   97.00%  
Debt securities      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 4,348,000,000 4,348,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   191,000,000  
Other comprehensive income(loss)   0  
Purchases Issuances   2,000,000,000  
Disposals Settlements   0  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 6,539,000,000  
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [6]     265,000,000
Unfavorable changes in unobservable inputs in net income(loss) [6]     (309,000,000)
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss)     0
Unfavorable changes in unobservable inputs in other comprehensive income(loss)     0
Equity securities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique   External appraisal value and others  
Input variable   Expected growth rate Discount rate Volatility of real estate sale price  
Impact of changes in significant unobservable inputs on fair value measurement   Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases.  
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 12,652,000,000 12,652,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   (207,000,000)  
Other comprehensive income(loss)   0  
Purchases Issuances   0  
Disposals Settlements   0  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 12,445,000,000  
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [6]     670,000,000
Unfavorable changes in unobservable inputs in net income(loss) [6]     (624,000,000)
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss)     0
Unfavorable changes in unobservable inputs in other comprehensive income(loss)     0
Equity securities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Discount rate   0.99%  
Equity securities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Expected growth rate   0.00%  
Volatility of real estate sale price   0.00%  
Discount rate   18.73%  
AFS financial assets      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 1,555,446,000,000 1,555,446,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   22,683,000,000  
Other comprehensive income(loss)   7,987,000,000  
Purchases Issuances   154,436,000,000  
Disposals Settlements   (102,292,000,000)  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 1,638,260,000,000  
Equity securities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique   External appraisal value and others  
Input variable   Expected growth rate Discount rate Volatility of real estate sale price  
Impact of changes in significant unobservable inputs on fair value measurement   Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases.  
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 1,024,935,000,000 1,024,935,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   19,241,000,000  
Other comprehensive income(loss)   10,175,000,000  
Purchases Issuances   27,289,000,000  
Disposals Settlements   (31,692,000,000)  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 1,049,948,000,000  
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss)     0
Unfavorable changes in unobservable inputs in net income(loss)     0
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) [7],[8]     28,583,000,000
Unfavorable changes in unobservable inputs in other comprehensive income(loss) [7],[8]     (15,246,000,000)
Equity securities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Discount rate   0.99%  
Equity securities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Expected growth rate   0.00%  
Volatility of real estate sale price   0.00%  
Discount rate   18.73%  
Beneficiary certificates      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique   External appraisal value and others  
Input variable   Expected growth rate Discount rate Volatility of real estate sale price  
Impact of changes in significant unobservable inputs on fair value measurement   Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases.  
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 530,511,000,000 530,511,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   3,442,000,000  
Other comprehensive income(loss)   (2,188,000,000)  
Purchases Issuances   127,147,000,000  
Disposals Settlements   (70,600,000,000)  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 588,312,000,000  
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss)     0
Unfavorable changes in unobservable inputs in net income(loss)     0
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) [7]     1,861,000,000
Unfavorable changes in unobservable inputs in other comprehensive income(loss) [7]     (1,857,000,000)
Beneficiary certificates | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Discount rate   0.99%  
Beneficiary certificates | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Expected growth rate   0.00%  
Volatility of real estate sale price   0.00%  
Discount rate   18.73%  
Financial assets at FVTPL (IFRS 9)      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance 1,422,399,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 127,102,000,000    
Other comprehensive income(loss) 0    
Purchases Issuances 2,151,878,000,000    
Disposals Settlements (1,954,754,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 1,746,625,000,000   1,422,399,000,000
Debt securities      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance 9,694,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) (111,000,000)    
Other comprehensive income(loss) 0    
Purchases Issuances 0    
Disposals Settlements (2,141,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 7,442,000,000   9,694,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) 914,000,000    
Unfavorable changes in unobservable inputs in net income(loss) (784,000,000)    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0    
Equity securities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique External appraisal value and others    
Input variable Expected growth rate Discount rate Volatility of real estate sale price    
Impact of changes in significant unobservable inputs on fair value measurement Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases.    
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 280,171,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 22,834,000,000    
Other comprehensive income(loss) 0    
Purchases Issuances 50,005,000,000    
Disposals Settlements (230,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 352,780,000,000   280,171,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [7],[8] 10,740,000,000    
Unfavorable changes in unobservable inputs in net income(loss) [7],[8] (7,562,000,000)    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0    
Equity securities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Discount rate 0.99%    
Equity securities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Expected growth rate 0.00%    
Volatility of real estate sale price 0.00%    
Discount rate 18.73%    
Capital contributions      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 294,121,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 21,934,000,000    
Other comprehensive income(loss) 0    
Purchases Issuances 49,367,000,000    
Disposals Settlements (15,952,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance ₩ 349,470,000,000   294,121,000,000
Beneficiary certificates      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique External appraisal value and others    
Input variable Expected growth rate Discount rate Volatility of real estate sale price    
Impact of changes in significant unobservable inputs on fair value measurement Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases.    
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 654,066,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 12,973,000,000    
Other comprehensive income(loss) 0    
Purchases Issuances 1,924,763,000,000    
Disposals Settlements (1,843,007,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 748,795,000,000   654,066,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [7] 1,436,000,000    
Unfavorable changes in unobservable inputs in net income(loss) [7] (1,544,000,000)    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0    
Beneficiary certificates | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Discount rate 0.99%    
Beneficiary certificates | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Expected growth rate 0.00%    
Volatility of real estate sale price 0.00%    
Discount rate 18.73%    
Loans      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique Binomial tree    
Input variable Stock, Volatility of underlying    
Impact of changes in significant unobservable inputs on fair value measurement Variation of fair value increases as volatility increases.    
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 165,001,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 3,616,000,000    
Other comprehensive income(loss) 0    
Purchases Issuances 125,807,000,000    
Disposals Settlements (42,457,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 251,967,000,000   165,001,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) 422,000,000    
Unfavorable changes in unobservable inputs in net income(loss) (323,000,000)    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0    
Unfavorable changes in unobservable inputs in other comprehensive income      
Loans | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 14.92%    
Loans | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 41.24%    
Derivative instrument assets      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique Option valuation model and others    
Input variable Correlation coefficient Volatility of underlying asset    
Impact of changes in significant unobservable inputs on fair value measurement Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases.    
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 19,346,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 65,856,000,000    
Other comprehensive income(loss) 0    
Purchases Issuances 1,936,000,000    
Disposals Settlements (50,967,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 36,171,000,000   19,346,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [4],[5] 4,305,000,000    
Unfavorable changes in unobservable inputs in net income(loss) [4],[5] (2,452,000,000)    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0    
Derivative instrument assets | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 10.61%    
Correlation coefficient 90.00%    
Derivative instrument assets | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 27.59%    
Correlation coefficient 97.00%    
Equity securities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique External appraisal value and others    
Input variable Expected growth rate Discount rate Volatility of real estate sale price    
Impact of changes in significant unobservable inputs on fair value measurement Fair value increases as expected growth rate increases. Fair value increases as discount rate decreases. Fair value increases as sale price increases.    
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 451,287,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) (393,000,000)    
Other comprehensive income(loss) 14,557,000,000    
Purchases Issuances 290,000,000    
Disposals Settlements 0    
Transfer to or from level 3 [3] 0    
Ending balance 465,741,000,000   451,287,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) 0    
Unfavorable changes in unobservable inputs in net income(loss) 0    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) [7],[8] 19,464,000,000    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) [7],[8] ₩ (8,704,000,000)    
Equity securities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Discount rate 0.99%    
Equity securities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Expected growth rate 0.00%    
Volatility of real estate sale price 0.00%    
Discount rate 18.73%    
Derivative assets      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique   Option valuation model and others  
Input variable   Correlation coefficient Volatility of underlying asset  
Impact of changes in significant unobservable inputs on fair value measurement   Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases.  
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 99,000,000 99,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   185,000,000  
Other comprehensive income(loss)   0  
Purchases Issuances   0  
Disposals Settlements   (284,000,000)  
Transfer to or from level 3 [3]   ₩ 0  
Derivative assets | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   10.61%  
Correlation coefficient   90.00%  
Derivative assets | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   27.59%  
Correlation coefficient   97.00%  
Financial liabilities      
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 181,008,000,000 ₩ 707,233,000,000 707,233,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 72,513,000,000 98,104,000,000  
Other comprehensive income(loss) 0 0  
Purchases Issuances 175,986,000,000 501,000,000  
Disposals Settlements (212,487,000,000) (250,311,000,000)  
Transfer to or from level 3 [3] 0 0  
Ending balance 217,020,000,000 ₩ 555,527,000,000 181,008,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) 3,492,000,000   13,000,000
Unfavorable changes in unobservable inputs in net income(loss) (5,443,000,000)   (520,000,000)
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0   0
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0   0
Derivative liabilities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique   Option valuation model and others  
Input variable   Correlation coefficient Volatility of underlying asset  
Impact of changes in significant unobservable inputs on fair value measurement   Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases.  
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 33,524,000,000 33,524,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   14,142,000,000  
Other comprehensive income(loss)   0  
Purchases Issuances   501,000,000  
Disposals Settlements   (15,015,000,000)  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 33,152,000,000  
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [4],[5]     5,000,000
Unfavorable changes in unobservable inputs in net income(loss) [4],[5]     (513,000,000)
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss)     0
Unfavorable changes in unobservable inputs in other comprehensive income(loss)     0
Derivative liabilities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   10.61%  
Correlation coefficient   90.00%  
Derivative liabilities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   27.59%  
Correlation coefficient   97.00%  
Equity linked securities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique   Monte Carlo Simulation and others  
Input variable   Correlation coefficient Volatility of underlying asset  
Impact of changes in significant unobservable inputs on fair value measurement   Equity-linked securities’ variation of fair value increases if both volatility and correlation coefficient increase. However, when correlation coefficient decreases despite the increase in volatility, the variation of fair value of a compound financial instrument may decrease.  
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance   ₩ 673,709,000,000 673,709,000,000
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss)   83,962,000,000  
Other comprehensive income(loss)   0  
Purchases Issuances   0  
Disposals Settlements   (235,296,000,000)  
Transfer to or from level 3 [3]   0  
Ending balance   ₩ 522,375,000,000  
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [5]     8,000,000
Unfavorable changes in unobservable inputs in net income(loss) [5]     (7,000,000)
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss)     0
Unfavorable changes in unobservable inputs in other comprehensive income(loss)     0
Equity linked securities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   18.60%  
Correlation coefficient   8.61%  
Equity linked securities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset   26.88%  
Correlation coefficient   68.80%  
Derivative liabilities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique Option valuation model and others    
Input variable Correlation coefficient Volatility of underlying asset    
Impact of changes in significant unobservable inputs on fair value measurement Variation of fair value increases as correlation coefficient increases. Variation of fair value increases as volatility increases.    
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 20,951,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) 73,951,000,000    
Other comprehensive income(loss) 0    
Purchases Issuances (3,058,000,000)    
Disposals Settlements (50,921,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 40,923,000,000   20,951,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [4],[5] 2,409,000,000    
Unfavorable changes in unobservable inputs in net income(loss) [4],[5] (4,285,000,000)    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0    
Derivative liabilities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 10.61%    
Correlation coefficient 90.00%    
Derivative liabilities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 27.59%    
Correlation coefficient 97.00%    
Equity-linked securities      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Fair value measurement technique Monte Carlo Simulation and others    
Input variable Correlation coefficient Volatility of underlying asset    
Impact of changes in significant unobservable inputs on fair value measurement Equity-linked securities’ variation of fair value increases if both volatility and correlation coefficient increase. However, when correlation coefficient decreases despite the increase in volatility, the variation of fair value of a compound financial instrument may decrease.    
Reconciliation of changes in level3 of fair value hierarchy [Abstract]      
Beginning balance ₩ 160,057,000,000    
Changes in financial assets liabilities measured at fair value level3 of the fair value hierarchy [Abstract]      
Net Income(loss) (1,438,000,000)    
Other comprehensive income(loss) 0    
Purchases Issuances 179,044,000,000    
Disposals Settlements (161,566,000,000)    
Transfer to or from level 3 [3] 0    
Ending balance 176,097,000,000   ₩ 160,057,000,000
Changes in unobservable inputs financial assets liabilities recognition in profit or loss [Abstract]      
Favorable changes in unobservable inputs in net income(loss) [5] 1,083,000,000    
Unfavorable changes in unobservable inputs in net income(loss) [5] (1,158,000,000)    
Changes in unobservable inputs financial assets liabilities recognition in other comprehensive income [Abstract]      
Favorable changes in unobservable inputs in other comprehensive income(loss) 0    
Unfavorable changes in unobservable inputs in other comprehensive income(loss) ₩ 0    
Equity-linked securities | Bottom of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 18.60%    
Correlation coefficient 8.61%    
Equity-linked securities | Top of range [Member]      
Disclosure of significant unobservable inputs used in fair value measurement of financial instruments [Abstract]      
Volatility of underlying asset 26.88%    
Correlation coefficient 68.80%    
[1] The losses that increase financial liabilities are presented as positive amounts, and the gains that decrease financial liabilities are presented as negative amounts. The gain amounting to 61,323 million Won for six months ended June 30, 2018, which is from financial assets and liabilities that the Group holds as at the end of the periods, has been recognized in net gain (loss) on financial assets at FVTPL and net gain (loss) on financial assets at FVTOCI in the consolidated statement of comprehensive income.
[2] The loss amounting to 61,518 million Won for the six months ended June 30, 2017, which is from financial assets and liabilities that the Group holds, has been recognized in net gain (loss) on financial instruments at FVTPL and net gain (loss) on AFS financial assets in the statement of comprehensive income. The loss amounting to 61,518 million Won for the six months ended June 30, 2017, which is from financial assets and liabilities that the Group holds, has been recognized in net gain (loss) on financial instruments at FVTPL and net gain (loss) on AFS financial assets in the statement of comprehensive income.
[3] The Group recognizes transfers between levels at the end of reporting period within which events have occurred or conditions have changed.
[4] Both derivative assets and liabilities for held for trading and hedging are included.
[5] Fair value changes of equity related derivatives assets and liabilities and equity-linked securities are calculated by increasing or decreasing historical volatility of the stock price and correlation, which are major unobservable variables, by 10%, respectively. In the case of interest rate related derivative assets and liabilities, fair value changes are calculated by increasing or decreasing the volatility of interest rate, which are major unobservable variables, by 10%.
[6] Changes of fair value are measured by increasing or decreasing the discount rate by 10%, which is major unobservable variable, respectively.
[7] Even if the sensitivity analysis of the capital contributions and beneficiary certificates is not possible in practice, fair value changes of beneficiary certificates and other securities whose major unobservable variables are composed of the real estate are calculated by increasing or decreasing price fluctuation of real estate which is underlying assets and discount rate by 1%.
[8] Fair value changes of equity securities are calculated by increasing or decreasing growth rate (0~1%) and discount rate or liquidation value (-1~1%). The growth rate, discount rate, and liquidation value are major unobservable variables.
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Fair value of financial assets and liabilities_Fair value and carrying amount of financial assets and liabilities measured at amortized cost (Details)
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Securities at amortized cost ₩ 17,703,477,000,000    
Loans and other financial assets at amortized cost 277,718,440,000,000    
Held-to-maturity financial assets   ₩ 16,715,679,000,000  
Loans and receivables   265,570,649,000,000  
Deposits due to customers 237,811,780,000,000 234,682,775,000,000  
Borrowings 15,924,417,000,000 14,754,506,000,000  
Debentures 26,586,897,000,000 27,889,781,000,000  
Other financial liabilities 21,405,921,000,000 13,890,789,000,000  
Carrying value of financial assets liabilities measured at amortised cost [Abstract]      
Securities at amortized cost 17,702,129,000,000 [1] 0 $ 15,922,044,000
Loans and other financial assets at amortized cost 277,720,003,000,000 [1] 0 249,793,131,000
Held-to-maturity financial assets 0 16,749,296,000,000 0
Loans and receivables 0 267,106,204,000,000 0
Deposits due to customers 237,900,166,000,000 234,695,084,000,000 213,977,483,000
Borrowings 15,899,599,000,000 14,784,706,000,000 14,300,773,000
Debentures 26,752,725,000,000 27,869,651,000,000 24,062,534,000
Other financial liabilities ₩ 21,408,267,000,000 ₩ 13,892,461,000,000 $ 19,255,502,000
Securities at amortized cost      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.    
Input variables Risk-free market rate and credit spread    
Securities at amortized cost | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Securities at amortized cost ₩ 1,792,215,000,000    
Securities at amortized cost | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Securities at amortized cost 15,911,262,000,000    
Securities at amortized cost | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Securities at amortized cost ₩ 0    
Loans and other financial assets at amortized cost      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique The fair value is measured by discounting the projected cash flows of loan products by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the debtor.    
Input variables Risk-free market rate, credit spread and prepayment-rate    
Loans and other financial assets at amortized cost | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Loans and other financial assets at amortized cost ₩ 0    
Loans and other financial assets at amortized cost | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Loans and other financial assets at amortized cost 0    
Loans and other financial assets at amortized cost | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Loans and other financial assets at amortized cost ₩ 277,718,440,000,000    
HTM financial assets      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique   The fair value is measured by discounting the projected cash flows of debt securities by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the issuers of the securities.  
Input variables   Risk-free market rate, Credit spread  
HTM financial assets | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Held-to-maturity financial assets   ₩ 1,206,292,000,000  
HTM financial assets | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Held-to-maturity financial assets   15,509,387,000,000  
HTM financial assets | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Held-to-maturity financial assets   ₩ 0  
Loans      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique   The fair value is measured by discounting the projected cash flows of loan products by applying the market discount rate that has been applied to a proxy company that has similar credit rating to the debtor.  
Input variables   Risk-free market rate, Credit spread, Prepayment-rate  
Loans | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Loans and receivables   ₩ 0  
Loans | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Loans and receivables   0  
Loans | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Loans and receivables   ₩ 265,570,649,000,000  
Deposits due to customers      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group.  
Input variables Risk-free market rate and forward rate Risk-free market rate and forward rate Risk-free market rate, Forward rate  
Deposits due to customers | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Deposits due to customers ₩ 0 ₩ 0  
Deposits due to customers | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Deposits due to customers 237,811,780,000,000 234,682,775,000,000  
Deposits due to customers | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Deposits due to customers ₩ 0 ₩ 0  
Borrowings      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group.  
Input variables Risk-free market rate and forward rate Risk-free market rate, Forward rate  
Borrowings | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Borrowings ₩ 0 ₩ 0  
Borrowings | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Borrowings 15,924,417,000,000 14,754,506,000,000  
Borrowings | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Borrowings ₩ 0 ₩ 0  
Debentures      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group.  
Input variables Risk-free market rate and forward rate Risk-free market rate, Forward rate  
Debentures | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Debentures ₩ 0 ₩ 0  
Debentures | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Debentures 26,586,897,000,000 27,889,781,000,000  
Debentures | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Debentures ₩ 0 ₩ 0  
Other financial liabilities      
Disclosure of financial assets liabilities measured at amortised [Abstract]      
Fair value measurement technique The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group. The fair value is measured by discounting the projected cash flows of debt products by applying the market discount rate that is reflecting the credit rating of the Group.  
Input variables Risk-free market rate and forward rate Risk-free market rate, Forward rate  
Other financial liabilities | Level 1      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Other financial liabilities ₩ 0 ₩ 0  
Other financial liabilities | Level 2      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Other financial liabilities 21,405,921,000,000 13,890,789,000,000  
Other financial liabilities | Level 3      
Fair value of financial assets liabilities measured at amortised cost [Abstract]      
Other financial liabilities ₩ 0 ₩ 0  
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
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Fair value of financial assets and liabilities_Financial assets by category (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of financial assets [Line Items]      
Financial assets at FVTPL ₩ 6,340,704,000,000 [1] $ 5,703,098,000 [1] ₩ 0
Financial assets at FVTPL (IAS 39) 0 0 5,843,077,000,000
Financial assets at FVTOCI 14,644,608,000,000 [1] 13,171,981,000 [1] 0
AFS financial assets 0 0 15,352,950,000,000
Financial assets at amortized cost 295,422,132,000,000    
Held-to-maturity financial assets 0 0 16,749,296,000,000
Loans and receivables 0 0 267,106,204,000,000
Derivative assets for hedging 12,395,000,000 $ 11,149,000 59,272,000,000
Total 316,419,839,000,000   305,110,799,000,000
Deposits      
Disclosure of financial assets [Line Items]      
Financial assets at FVTPL 24,921,000,000    
Financial assets at FVTPL (IAS 39)     25,972,000,000
Financial assets at amortized cost 17,770,356,000,000    
Loans and receivables     8,868,378,000,000
Total 17,795,277,000,000   8,894,350,000,000
Securities at fair value through profit or loss      
Disclosure of financial assets [Line Items]      
Financial assets at FVTPL 3,587,605,000,000    
Financial assets at FVTPL (IAS 39)     2,701,330,000,000
Total 3,587,605,000,000   2,701,330,000,000
Securities at FVTOCI      
Disclosure of financial assets [Line Items]      
Financial assets at FVTOCI 14,644,608,000,000    
Total 14,644,608,000,000    
AFS financial assets      
Disclosure of financial assets [Line Items]      
AFS financial assets     15,352,950,000,000
Total     15,352,950,000,000
Securities at amortized cost      
Disclosure of financial assets [Line Items]      
Financial assets at amortized cost 17,702,129,000,000    
Total 17,702,129,000,000    
HTM financial assets      
Disclosure of financial assets [Line Items]      
Held-to-maturity financial assets 0   16,749,296,000,000
Total     16,749,296,000,000
Loans      
Disclosure of financial assets [Line Items]      
Financial assets at FVTPL 336,967,000,000    
Financial assets at amortized cost 248,794,014,000,000    
Loans and receivables     251,523,301,000,000
Total 249,130,981,000,000   251,523,301,000,000
Derivatives instruments assets      
Disclosure of financial assets [Line Items]      
Financial assets at FVTPL 2,391,211,000,000    
Financial assets at FVTPL (IAS 39)     3,115,775,000,000
Derivative assets for hedging 12,395,000,000   59,272,000,000
Total 2,403,606,000,000   3,175,047,000,000
Loans and receivables (Other financial assets)      
Disclosure of financial assets [Line Items]      
Financial assets at amortized cost 11,155,633,000,000    
Loans and receivables     6,714,525,000,000
Total ₩ 11,155,633,000,000   ₩ 6,714,525,000,000
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
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Fair value of financial assets and liabilities_Financial liabilities by category (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of financial liabilities [Line Items]      
Financial liabilities at FVTPL ₩ 2,578,332,000,000 [1] $ 2,319,061,000 [1] ₩ 0
Financial liabilities at FVTPL in accordance with IAS 39 0 0 3,427,909,000,000
Financial liabilities at amortized cost 302,015,653,000,000   291,313,599,000,000
Derivative liabilities for hedging 67,505,000,000 $ 60,717,000 67,754,000,000
Total 304,661,490,000,000   294,809,262,000,000
Deposits due to customer      
Disclosure of financial liabilities [Line Items]      
Financial liabilities at FVTPL 24,485,000,000    
Financial liabilities at FVTPL in accordance with IAS 39     25,964,000,000
Financial liabilities at amortized cost 237,900,166,000,000   234,695,084,000,000
Total 237,924,651,000,000   234,721,048,000,000
Borrowing      
Disclosure of financial liabilities [Line Items]      
Financial liabilities at FVTPL 176,097,000,000    
Financial liabilities at FVTPL in accordance with IAS 39     160,057,000,000
Financial liabilities at amortized cost 15,899,599,000,000   14,784,706,000,000
Total 16,075,696,000,000   14,944,763,000,000
Debentures      
Disclosure of financial liabilities [Line Items]      
Financial liabilities at FVTPL in accordance with IAS 39     91,739,000,000
Financial liabilities at amortized cost 26,752,725,000,000   27,869,651,000,000
Total 26,752,725,000,000   27,961,390,000,000
Derivatives (for trading)      
Disclosure of financial liabilities [Line Items]      
Financial liabilities at FVTPL 2,377,750,000,000    
Financial liabilities at FVTPL in accordance with IAS 39     3,150,149,000,000
Derivative liabilities for hedging 67,505,000,000   67,754,000,000
Total 2,445,255,000,000   3,217,903,000,000
Other financial liabilities      
Disclosure of financial liabilities [Line Items]      
Financial liabilities at amortized cost 21,463,163,000,000 [2]   13,964,158,000,000 [3]
Total 21,463,163,000,000 [2]   13,964,158,000,000 [3]
Financial guarantee liabilities measured at amortized cost ₩ 54,896,000,000 [2]   ₩ 71,697,000,000 [3]
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
[2] Other financial liabilities include 54,896 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note23).
[3] Other financial liabilities include 71,697 million Won of financial guarantee liabilities measured at amortized cost included in provisions (Note23).
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Derecognition And Offset Of Financial Instruments_Transferred financial assets that do not meet the condition of derecognition in their entirety (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Nature of financial assets transferred during period which do not qualify for derecognition    
Assets transferred    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Nature of financial assets transferred during period which do not qualify for derecognition The financial instruments that were disposed but the Group agreed to repurchase at the fixed amounts at the same time, so that they did not meet the conditions of derecognition The financial instruments that were disposed but the Group agreed to repurchase at the fixed amounts at the same time, so that they did not meet the conditions of derecognition
Assets that entity continues to recognise ₩ 15,446,000,000 ₩ 15,434,000,000
Financial assets at FVTOCI    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise 10,002,000,000 0
AFS financial assets    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise 0 9,998,000,000
Securities at amortized cost    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise 5,444,000,000 0
HTM financial assets    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise 0 5,436,000,000
Bonds sold under repurchase agreements    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Related liabilities ₩ 5,372,000,000 ₩ 3,173,000,000
Loaned securities    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Nature of financial assets transferred during period which do not qualify for derecognition Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned. Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned.
Assets that entity continues to recognise ₩ 50,139,000,000 ₩ 170,256,000,000
Industrial and financial debt securities and others    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise ₩ 50,139,000,000 0
Loaned to Korea Securities Finance Corporation  
Korean treasury and government agencies bonds    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise ₩ 0 ₩ 170,256,000,000
Loaned to   Korea Securities Finance Corporation and others
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Derecognition and offset of financial instruments_Financial assets subject to offset enforceable master netting agreements or similar agreements (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial assets ₩ 44,123,286,000,000 ₩ 62,669,493,000,000
Gross amounts of recognized financial assets set off 27,338,204,000,000 38,987,064,000,000
Net amounts of financial assets presented 16,785,082,000,000 23,682,429,000,000
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others 15,716,153,000,000 22,646,512,000,000
Cash collateral received 21,543,000,000 174,415,000,000
Net amounts ₩ 1,047,386,000,000 ₩ 861,502,000,000
Description of rights of setoff associated with financial assets subject to enforceable master netting arrangement or similar agreement The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year). The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year).
Derivative assets and others    
Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial assets [1] ₩ 2,132,698,000,000 ₩ 2,992,476,000,000
Gross amounts of recognized financial assets set off 0 1,710,000,000 [1]
Net amounts of financial assets presented [1] 2,132,698,000,000 2,990,766,000,000
Receivable spot exchange    
Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial assets 7,463,097,000,000 [2] 3,767,726,000,000 [3]
Gross amounts of recognized financial assets set off 0 0
Net amounts of financial assets presented 7,463,097,000,000 [2] 3,767,726,000,000 [3]
Derivative financial instruments assets and receivable spot exchange [Member]    
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others 8,716,272,000,000 5,787,448,000,000
Cash collateral received 21,543,000,000 174,415,000,000
Net amounts 857,980,000,000 796,629,000,000
Bonds purchased under resale agreements    
Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial assets 6,999,881,000,000 [2] 16,859,064,000,000 [3]
Gross amounts of recognized financial assets set off 0 0
Net amounts of financial assets presented 6,999,881,000,000 [2] 16,859,064,000,000 [3]
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others 6,999,881,000,000 16,859,064,000,000 [3]
Cash collateral received 0 0
Net amounts 0 0
Domestic exchanges receivable    
Net financial assets subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial assets [4] 27,527,610,000,000 [2] 39,050,227,000,000 [3]
Gross amounts of recognized financial assets set off [4] 27,338,204,000,000 [2] 38,985,354,000,000 [3]
Net amounts of financial assets presented [4] 189,406,000,000 [2] 64,873,000,000 [3]
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others 0 0
Cash collateral received 0 0
Net amounts [4] ₩ 189,406,000,000 [2] ₩ 64,873,000,000
[1] The items include derivatives held for trading, derivatives held for hedging and equity-linked securities.
[2] The items are included in loan at amortized cost and other financial assets.
[3] The items are included in loans and receivables.
[4] Certain financial assets and liabilities are presented as net amounts.
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Derecognition and offset of financial instruments_Financial liabilities subject to offset enforceable master netting agreements or similar agreements (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial liabilities ₩ 41,313,632,000,000 ₩ 47,171,791,000,000
Gross amounts of recognized financial liabilities set off 27,338,204,000,000 38,987,064,000,000
Net amounts of financial liabilities presented 13,975,428,000,000 8,184,727,000,000
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others 12,118,939,000,000 7,163,786,000,000
Cash collateral pledged 208,955,000,000 157,750,000,000
Net amounts ₩ 1,647,534,000,000 ₩ 863,191,000,000
Description of rights of setoff associated with financial liabilities subject to enforceable master netting arrangement or similar agreement The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year). The Group possesses both the uncollected domestic exchange receivables and the unpaid domestic exchange payable, which satisfy offsetting criteria of IAS 32. Therefore, the total number of uncollected domestic exchange receivables or unpaid domestic exchange payable has been countervailed with part of unpaid domestic exchange payable or uncollected domestic exchange receivables and has been disclosed in loans at amortized cost and other financial assets (loans and receivables in previous year) or other financial liabilities of the Group’s statements of financial position. The Group possesses the derivative assets, derivative liabilities, receivable spot exchange and payable spot exchange that do not satisfy the offsetting criteria of IAS 32, but provide the Group under the circumstances of the trading party’s defaults, insolvency or bankruptcy, the right of offsetting. Item such as cash collateral cannot satisfy the offsetting criteria of IAS 32, but in accordance with the collateral arrangements and under the circumstances of the trading party’s default, insolvency or bankruptcy, the net amount of derivative assets and derivative liabilities, receivable spot exchange and payable spot exchange can be offset. The Group has entered into a resale and repurchase agreement and accounted it as a collateralized borrowing. The Group has also entered into a resale and purchase agreement and accounted it as a secured advance. The resale and repurchase agreements can have the offsetting right only under the trading party’s default, insolvency or bankruptcy, which do not satisfy the offsetting criteria of IAS 32. The Group recorded the collateralized borrowing in borrowings and the secured loans in loans and receivables. The Group under the repurchase agreements has offsetting right only upon the counterparty’s default, insolvency or bankruptcy; thus, the repurchase agreements are applied by the TBMA/ISMA Global Master Repurchase Agreement, which does not satisfy the offsetting criteria of IAS 32. The Group disclosed bonds sold (purchased) under repurchase(resale) agreements as borrowings loan at amortized cost and other financial assets (loans and receivables in previous year).
Derivative liabilities and others    
Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial liabilities [1] ₩ 2,305,516,000,000 ₩ 3,160,217,000,000
Gross amounts of recognized financial liabilities set off 0 1,710,000,000 [1]
Net amounts of financial liabilities presented [1] 2,305,516,000,000 3,158,507,000,000
Payable spot exchange    
Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial liabilities [2] 7,464,679,000,000 3,723,886,000,000
Gross amounts of recognized financial liabilities set off 0 0
Net amounts of financial liabilities presented [2] 7,464,679,000,000 3,723,886,000,000
Derivative financial instruments liabilities and payable spot exchange [Member]    
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others 8,704,614,000,000 5,866,682,000,000
Cash collateral pledged 208,955,000,000 157,750,000,000
Net amounts 856,626,000,000 857,961,000,000
Bonds sold under repurchase agreements    
Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial liabilities [3] 5,372,000,000 3,173,000,000
Gross amounts of recognized financial liabilities set off 0 0
Net amounts of financial liabilities presented [3] 5,372,000,000 3,173,000,000
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others [3] 5,372,000,000 3,173,000,000
Cash collateral pledged 0 0
Net amounts 0 0
Domestic exchange payable    
Net financial liabilities subject to offsetting enforceable master netting arrangements or similar agreements in statement of financial position [Abstract]    
Gross amounts of recognized financial liabilities [2],[4] 31,538,065,000,000 40,284,515,000,000
Gross amounts of recognized financial liabilities set off [2],[4] 27,338,204,000,000 38,985,354,000,000
Net amounts of financial liabilities presented [2],[4] 4,199,861,000,000 1,299,161,000,000
Related amounts not set off in the consolidated statement of financial position    
Netting agreements and others [2],[4] 3,408,953,000,000 1,293,931,000,000
Cash collateral pledged 0 0
Net amounts [2],[4] ₩ 790,908,000,000 ₩ 5,230,000,000
[1] The items include derivatives held for trading, derivatives held for hedging and equity-linked securities.
[2] The items are included in other financial liabilities
[3] The items are included in borrowings.
[4] Certain financial assets and liabilities are presented as net amounts.
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Investment in joint ventures and associates_Investments in joint ventures and associates accounted for using the equity method of accounting (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of investments in associates and joint ventures [Line Items]    
Description of reasons why presumption that interest of more than twenty per cent in associate is overcome [1] Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates. Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.
Kumho Tire Co Inc    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Manufacturing Manufacturing
Proportion of ownership interest in associates and joint ventures 14.20% 14.20%
Financial statements as of June 30 2018 Mar. 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [3],[4] The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. . The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. .
Fair value of investments in associates for which there are quoted market prices [4] ₩ 6,310 ₩ 4,425
Woori Service Networks Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Freight & staffing services Freight & staffing services
Proportion of ownership interest in associates and joint ventures 4.90% 4.90%
Financial statements as of June 30 2018 May 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [5] Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017. Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017.
Korea Credit Bureau Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Credit information Credit information
Proportion of ownership interest in associates and joint ventures 9.90% 9.90%
Financial statements as of June 30 2018 Jun. 30, 2018  
Description of nature of entitys relationship with associate [6] The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships.
Korea Finance Security Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Security service Security service
Proportion of ownership interest in associates and joint ventures 15.00% 15.00%
Financial statements as of June 30 2018 May 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [5] Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017. Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017.
Chin Hung International Inc    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Construction Construction
Proportion of ownership interest in associates and joint ventures 25.30% 25.30%
Financial statements as of June 30 2018 May 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [4] The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. . The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. , Chin Hung International Inc. .
Fair value of investments in associates for which there are quoted market prices [4] ₩ 1,935 ₩ 1,915
Poonglim Industrial Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Construction Construction
Proportion of ownership interest in associates and joint ventures   29.40%
Description of reasons why presumption that interest of more than twenty per cent in associate is overcome [7] The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018.  
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
STX Engine Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Manufacturing Manufacturing
Proportion of ownership interest in associates and joint ventures   29.20%
Description of nature of entitys relationship with associate [9] The entity was sold after it was transferred to assets held for sale for the year ended June 30, 2018.  
STX Corporation    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Wholesale of non-specialized goods Wholesale of non-specialized goods
Proportion of ownership interest in associates and joint ventures 19.70% 19.70%
Financial statements as of June 30 2018 May 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [3] The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates. The shares of STX Corporation owned by the Group were reclassified as assets held for sale, as the creditor financial institutions committee entered into a contract with AFC Korea Co., Ltd. during the previous year to sell STX Corporation shares. [4] The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates.
Saman Corporation    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business General construction Technology service General construction Technology service
Proportion of ownership interest in associates and joint ventures 9.20% 9.20%
Financial statements as of June 30 2018 May 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [6] The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships.
Dongwoo C and C Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Construction Construction
Proportion of ownership interest in associates and joint ventures 23.20% 23.20%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
SJCO Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Aggregate transportation and wholesale Aggregate transportation and wholesale
Proportion of ownership interest in associates and joint ventures 26.50% 26.50%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
G2 Collection Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Wholesale and retail sales Wholesale and retail sales
Proportion of ownership interest in associates and joint ventures 28.90% 28.90%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
The Base Enterprise Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Manufacturing Manufacturing
Proportion of ownership interest in associates and joint ventures 48.40% 48.40%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Kyesan engineering Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Construction Construction
Proportion of ownership interest in associates and joint ventures 23.20% 23.20%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Good software lab Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Service Service
Proportion of ownership interest in associates and joint ventures 28.90% 28.90%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Wongwang Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Wholesale and real estate Wholesale and real estate
Proportion of ownership interest in associates and joint ventures 29.00% 29.00%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Sejin construction Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Construction Construction
Proportion of ownership interest in associates and joint ventures 29.60% 29.60%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
QTS shipping Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Composite transportation Arrangement Composite transportation Arrangement
Proportion of ownership interest in associates and joint ventures 49.40% 49.40%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
DAEA SNC Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Wholesale and retail sales Wholesale and retail sales
Proportion of ownership interest in associates and joint ventures 24.00% 24.00%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
ARES TECH Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Electronic component manufacturing Electronic component manufacturing
Proportion of ownership interest in associates and joint ventures 23.40% 23.40%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Reading Doctors Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other service business Other service business
Proportion of ownership interest in associates and joint ventures 35.40% 35.40%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
PREXCO Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Manufacturing Manufacturing
Proportion of ownership interest in associates and joint ventures 28.10% 28.10%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Hyunwoo International Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Manufacturing Manufacturing
Proportion of ownership interest in associates and joint ventures 25.90% 25.90%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Jiwon Plating Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Plating Plating
Proportion of ownership interest in associates and joint ventures 20.50% 20.50%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Cultizm Korea LTD Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Wholesale and retail sales Wholesale and retail sales
Proportion of ownership interest in associates and joint ventures 31.30% 31.30%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Gil Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Manufacturing Manufacturing
Proportion of ownership interest in associates and joint ventures 26.10% 26.10%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Nk Eng Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Manufacturing Manufacturing
Proportion of ownership interest in associates and joint ventures 23.10% 23.10%
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Youngdong Sea Food Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Processed sea food manufacturing Processed sea food manufacturing
Proportion of ownership interest in associates and joint ventures 24.00%  
Description of reasons why presumption that interest of more than twenty per cent in associate is overcome [10]   As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration.
Description of nature of entitys relationship with associate [8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017. As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration. The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
Woori Growth Partnerships New Technology Private Equity Fund    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other financial business Other financial business
Proportion of ownership interest in associates and joint ventures 23.10% 23.10%
Financial statements as of June 30 2018 Jun. 30, 2018  
2016KIF-IMM Woori Bank Technology Venture Fund    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other financial business Other financial business
Proportion of ownership interest in associates and joint ventures 20.00% 20.00%
Financial statements as of June 30 2018 Jun. 30, 2018  
K BANK Co Ltd    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Finance Finance
Proportion of ownership interest in associates and joint ventures 13.00% 13.00%
Financial statements as of June 30 2018 May 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [6] The Group can participate in decision-making body and exercise significant influence over associates through business partnerships. The Group can participate in decision-making body and exercise significant influence over associates through business partnerships.
Smart Private Equity Fund No.2    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other financial business Other financial business
Proportion of ownership interest in associates and joint ventures 20.00% 20.00%
Financial statements as of June 30 2018 Jun. 30, 2018  
Woori Bank-Company K Korea Movie Asset Fund    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other financial business Other financial business
Proportion of ownership interest in associates and joint ventures 25.00% 25.00%
Financial statements as of June 30 2018 Jun. 30, 2018  
Well to Sea No.3 Private Equity Fund    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Finance Finance
Proportion of ownership interest in associates and joint ventures 50.00% 50.00%
Financial statements as of June 30 2018 Mar. 31, 2018  
Description of reason why using different reporting date or period for associate [2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.  
Description of nature of entitys relationship with associate [11] The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them. The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them.
Partner one Value Up I Private Equity Fund    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other financial business Other financial business
Proportion of ownership interest in associates and joint ventures 23.30%  
Financial statements as of June 30 2018 Jun. 30, 2018  
Description of nature of entitys relationship with associate [12] Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates.  
IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other Finance business Other Finance business
Proportion of ownership interest in associates and joint ventures 20.00%  
Financial statements as of June 30 2018 Jun. 30, 2018  
Description of nature of entitys relationship with associate [12] Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates.  
Nomura-Rifa Private Real Estate Investment Trust No.17    
Disclosure of investments in associates and joint ventures [Line Items]    
Main business Other financial business Other financial business
Proportion of ownership interest in associates and joint ventures 21.90% 25.00%
Financial statements as of June 30 2018 Jun. 30, 2018  
[1] Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.
[2] The significant transactions and events between the end of reporting period of the associates and the Group have been properly incorporated.
[3] The Group has significant influence on these entities through its position in the creditors' council which is the decision making body regarding to financial and operational policies of associates.
[4] The investments in associates that have quoted market prices are Kumho Tire Co., Ltd. (current period: KRW 6,310, previous year: KRW 4,425), Chin Hung International Inc. (current period: KRW 1,935, previous year: KRW 1,915).
[5] Most of the significant business transactions of associates are with the Group as of June 30, 2018 and December 31, 2017.
[6] The Group can participate in decision-making body and exercise significant influence over associates through business partnerships.
[7] The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018.
[8] The carrying values of investments in associates are nil as of June 30, 2018 and December 31, 2017.
[9] The entity was sold after it was transferred to assets held for sale for the year ended June 30, 2018.
[10] As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration.
[11] The Bank has entered into a contract whereas the Bank (or a third party designated by the Bank) obtains a preemptive right to acquire the base assets (Aju Capital Co. Ltd.) of Well to Sea No. 3 Private Equity Fund, an affiliate of the Bank, when the Fund disposes them.
[12] Due to capital contribution by the Group for the six months ended June 30, 2018, the entities has been included in the investment in associates.
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Investment in joint ventures and associates_Changes in the carrying value of investments in joint ventures and associates accounted for using the equity method of accounting (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     ₩ 417,051,000,000   ₩ 439,012,000,000
Acquisition cost ₩ 589,641,000,000 ₩ 558,529,000,000 589,641,000,000   558,529,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses) 7,681,000,000 (14,863,000,000) (1,462,000,000)   (58,955,000,000)
Acquisition     20,048,000,000   63,084,000,000
Disposal and others     (9,719,000,000)   (16,852,000,000)
Dividends     (651,000,000)   (57,320,000,000)
Change in capital     (12,327,000,000)   2,038,000,000
Others         (208,000,000)
Ending 412,940,000,000 370,799,000,000 412,940,000,000 $ 371,416 370,799,000,000
Changes in investments in associates due to accounts transfer (5,865,000,000) [1] (16,354,000,000) [2] (5,865,000,000) [1]   (16,354,000,000) [2]
Changes in investments in associates due to equity swap 0 51,405,000,000 [3] 0   51,405,000,000 [3]
Woori Blackstone Korea Opportunity No.1 Private Equity Fund          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning         15,289,000,000
Acquisition cost   6,881,000,000     6,881,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)         (1,460,000,000)
Acquisition         0
Disposal and others         0
Dividends         0
Change in capital         0
Others         0
Ending   13,829,000,000     13,829,000,000
Kumho Tire Co Inc          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     98,933,000,000   200,332,000,000
Acquisition cost 175,652,000,000 175,652,000,000 175,652,000,000   175,652,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (10,451,000,000)   2,000,000
Acquisition     0   0
Disposal and others     0   0
Dividends     0   0
Change in capital     (5,196,000,000)   (1,623,000,000)
Others         0
Ending 83,286,000,000 198,711,000,000 83,286,000,000   198,711,000,000
Woori Service Networks Co Ltd          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     158,000,000   145,000,000
Acquisition cost 108,000,000 108,000,000 108,000,000   108,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (20,000,000)   (10,000,000)
Acquisition     0   0
Disposal and others     0   0
Dividends     0   (8,000,000)
Change in capital     0   0
Others         0
Ending 138,000,000 127,000,000 138,000,000   127,000,000
Korea Credit Bureau Co Ltd          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     5,816,000,000   5,592,000,000
Acquisition cost 3,313,000,000 3,313,000,000 3,313,000,000   3,313,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     692,000,000   508,000,000
Acquisition     0   0
Disposal and others     0   0
Dividends     (113,000,000)   (149,000,000)
Change in capital     0   0
Others         0
Ending 6,395,000,000 5,951,000,000 6,395,000,000   5,951,000,000
Korea Finance Security Co Ltd          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     3,519,000,000   3,376,000,000
Acquisition cost 3,267,000,000 3,266,000,000 3,267,000,000   3,266,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     4,000,000   63,000,000
Acquisition     0   0
Disposal and others     0   0
Dividends     (54,000,000)   (54,000,000)
Change in capital     1,000,000   0
Others         0
Ending 3,470,000,000 3,385,000,000 3,470,000,000   3,385,000,000
Chin Hung International Inc          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     45,101,000,000   43,032,000,000
Acquisition cost 130,779,000,000 89,725,000,000 130,779,000,000   89,725,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     3,179,000,000   (20,050,000,000)
Acquisition     0   41,053,000,000
Disposal and others     0   0
Dividends         0
Change in capital     (484,000,000)   171,000,000
Others         (25,966,000,000)
Ending 47,796,000,000 38,240,000,000 47,796,000,000   38,240,000,000
Poonglim Industrial Co Ltd          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Acquisition cost 13,916,000,000 13,916,000,000 13,916,000,000   13,916,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     0   0
Acquisition     0   0
Disposal and others     0   0
Dividends     0   0
Change in capital     0   0
Others         0
Ending 0 0 0   0
STX Engine Co Ltd          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning         43,036,000,000
Acquisition cost   92,038,000,000     92,038,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)         722,000,000
Acquisition         0
Disposal and others         0
Dividends         0
Change in capital         4,047,000,000
Others         0
Ending   47,805,000,000     47,805,000,000
Samho Co Ltd          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning         19,729,000,000
Acquisition cost   7,492,000,000     7,492,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)         2,021,000,000
Acquisition         0
Disposal and others         (16,354,000,000)
Dividends         0
Change in capital         (73,000,000)
Others         (5,323,000,000)
Ending   0     0
STX Corporation          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     6,947,000,000    
Acquisition cost 50,760,000,000 42,215,000,000 50,760,000,000   42,215,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (816,000,000)   (33,739,000,000)
Acquisition     0   8,546,000,000
Disposal and others     (5,865,000,000)   0
Dividends         0
Change in capital     (266,000,000)   (215,000,000)
Others         27,772,000,000
Ending   2,364,000,000     2,364,000,000
Saman Corporation          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     1,254,000,000   8,699,000,000
Acquisition cost 8,521,000,000 8,521,000,000 8,521,000,000   8,521,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (48,000,000)   (96,000,000)
Acquisition     0   0
Disposal and others     0   0
Dividends         0
Change in capital     34,000,000   26,000,000
Others         0
Ending 1,240,000,000 8,629,000,000 1,240,000,000   8,629,000,000
Woori Growth Partnerships New Technology Private Equity Fund          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     27,611,000,000   13,118,000,000
Acquisition cost 28,833,000,000 13,602,000,000 28,833,000,000   13,602,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     1,139,000,000   (371,000,000)
Acquisition     0   5,745,000,000
Disposal and others     (3,346,000,000)   (498,000,000)
Dividends     (484,000,000)   0
Change in capital     0   (156,000,000)
Others         0
Ending 24,920,000,000 17,838,000,000 24,920,000,000   17,838,000,000
2016KIF-IMM Woori Bank Technology Venture Fund          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     6,840,000,000   1,800,000,000
Acquisition cost 6,840,000,000 1,800,000,000 6,840,000,000   1,800,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     0   0
Acquisition     6,780,000,000   3,240,000,000
Disposal and others     0   0
Dividends     0   0
Change in capital     0   0
Others         0
Ending 13,620,000,000 5,040,000,000 13,620,000,000   5,040,000,000
K BANK Co Ltd          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     31,735,000,000   30,442,000,000
Acquisition cost 45,392,000,000 32,500,000,000 45,392,000,000   32,500,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (5,384,000,000)   (5,861,000,000)
Acquisition     0   0
Disposal and others     0   0
Dividends     0   0
Change in capital     7,000,000   (139,000,000)
Others         0
Ending 26,358,000,000 24,442,000,000 26,358,000,000   24,442,000,000
Smart Private Equity Fund No.2          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     2,932,000,000    
Acquisition cost 3,000,000,000 3,000,000,000 3,000,000,000   3,000,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (21,000,000)   (47,000,000)
Acquisition     0   3,000,000,000
Disposal and others     0   0
Dividends     0   0
Change in capital     0   0
Others         0
Ending 2,911,000,000 2,953,000,000 2,911,000,000   2,953,000,000
Woori Bank-Company K Korea Movie Asset Fund          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     2,957,000,000    
Acquisition cost 3,000,000,000 1,500,000,000 3,000,000,000   1,500,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     10,000,000   (15,000,000)
Acquisition     0   1,500,000,000
Disposal and others     0   0
Dividends     0   0
Change in capital     0   0
Others         0
Ending 2,967,000,000 1,485,000,000 2,967,000,000   1,485,000,000
Well to Sea No.3 Private Equity Fund          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     182,309,000,000    
Acquisition cost 101,992,000,000   101,992,000,000    
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     10,321,000,000    
Acquisition     0    
Disposal and others     (508,000,000)    
Dividends     0    
Change in capital     (6,423,000,000)    
Ending 185,699,000,000   185,699,000,000    
Partner one Value Up I Private Equity Fund          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Acquisition cost 10,000,000,000   10,000,000,000    
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (13,000,000)    
Acquisition     10,000,000,000    
Disposal and others     0    
Dividends     0    
Change in capital     0    
Ending 9,987,000,000   9,987,000,000    
IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Acquisition cost 3,268,000,000   3,268,000,000    
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     0    
Acquisition     3,268,000,000    
Disposal and others     0    
Dividends     0    
Change in capital     0    
Ending 3,268,000,000   3,268,000,000    
Woori Renaissance Holdings          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning         54,422,000,000
Acquisition cost   ₩ 63,000,000,000     63,000,000,000
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)         (622,000,000)
Acquisition         0
Disposal and others         0
Dividends         (57,109,000,000)
Change in capital         0
Others         ₩ 3,309,000,000
Nomura-Rifa Private Real Estate Investment Trust No.17          
Disclosure of changes in investments in associates and joint ventures [Line Items]          
Beginning     939,000,000    
Acquisition cost 1,000,000,000   1,000,000,000    
Changes in investments in associates and joint ventures [Abstract]          
Share of profits(losses)     (54,000,000)    
Acquisition     0    
Disposal and others     0    
Dividends     0    
Change in capital     0    
Ending ₩ 885,000,000   ₩ 885,000,000    
[1] Investments in joint ventures and associates decreased by 5,865 million Won through transfers to assets held for sale which occurred during the six months ended June 30, 2018.
[2] Investments in joint ventures and associates decreased by 16,354 million Won through transfers to assets held for sale occurred for the six months ended June 30, 2017.
[3] Changes in investments in joint ventures and associates due to debt-equity swap is 51,405 million Won.
XML 184 R168.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment In Joint Ventures And Associates_Financial information relating to investments in joint ventures and associates accounted for using the equity method of accounting (Details) - KRW (₩)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Kumho Tire Co Inc    
Equity method investment summarized financial information [Line Items]    
Assets ₩ 4,513,972 ₩ 5,105,107
Liabilities 3,521,608 3,928,327
Operating revenue 624,981 2,136,569
Net income(loss) (10,774) (61,748)
Woori Service Networks Co Ltd    
Equity method investment summarized financial information [Line Items]    
Assets 4,909 4,982
Liabilities 2,111 1,780
Operating revenue 7,250 14,887
Net income(loss) 456 1,003
Korea Credit Bureau Co Ltd    
Equity method investment summarized financial information [Line Items]    
Assets 80,792 75,504
Liabilities 18,764 19,323
Operating revenue 37,342 68,750
Net income(loss) 5,919 3,580
Korea Finance Security Co Ltd    
Equity method investment summarized financial information [Line Items]    
Assets 32,635 33,915
Liabilities 9,501 10,461
Operating revenue 27,161 55,610
Net income(loss) 91 1,071
Chin Hung International Inc    
Equity method investment summarized financial information [Line Items]    
Assets 403,962 341,284
Liabilities 311,502 259,454
Operating revenue 263,861 513,285
Net income(loss) 19,062 28,698
Poonglim Industrial Co Ltd    
Equity method investment summarized financial information [Line Items]    
Assets   241,063
Liabilities   309,925
Operating revenue   107,360
Net income(loss)   (29,812)
STX Corporation    
Equity method investment summarized financial information [Line Items]    
Assets   595,348
Liabilities   543,458
Operating revenue   1,371,272
Net income(loss)   342,869
Saman Corporation    
Equity method investment summarized financial information [Line Items]    
Assets 89,932 98,435
Liabilities 61,583 69,929
Operating revenue 26,418 76,135
Net income(loss) (326) (6,096)
Woori Growth Partnerships New Technology Private Equity Fund    
Equity method investment summarized financial information [Line Items]    
Assets 108,427 120,133
Liabilities 441 485
Operating revenue 7,865 1,024
Net income(loss) 4,936 (3,199)
2016KIF-IMM Woori Bank Technology Venture Fund    
Equity method investment summarized financial information [Line Items]    
Assets 65,760 32,815
Liabilities 383 380
Operating revenue 6 6
Net income(loss) (754) (1,515)
K BANK Co Ltd    
Equity method investment summarized financial information [Line Items]    
Assets 1,758,930 1,244,270
Liabilities 1,557,206 1,001,121
Operating revenue 24,296 19,231
Net income(loss) (32,126) (74,403)
Smart Private Equity Fund No.2    
Equity method investment summarized financial information [Line Items]    
Assets 14,605 14,711
Liabilities 51 51
Operating revenue 1 1
Net income(loss) (106) (340)
Woori Bank-Company K Korea Movie Asset Fund    
Equity method investment summarized financial information [Line Items]    
Assets 11,872 11,830
Liabilities 3 2
Operating revenue 893 16
Net income(loss) 769 (172)
Well to Sea No.3 Private Equity Fund    
Equity method investment summarized financial information [Line Items]    
Assets 5,297,764 5,068,424
Liabilities 4,759,158 4,534,957
Operating revenue 140,041 131,488
Net income(loss) 13,450 162,743
Partner one Value Up I Private Equity Fund    
Equity method investment summarized financial information [Line Items]    
Assets 43,114  
Liabilities 172  
Operating revenue 114  
Net income(loss) (58)  
IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership    
Equity method investment summarized financial information [Line Items]    
Assets 15,843  
Liabilities 744  
Operating revenue 4  
Net income(loss) (822)  
Nomura-Rifa Private Real Estate Investment Trust No.17    
Equity method investment summarized financial information [Line Items]    
Assets 20,433 20,265
Liabilities 16,407 16,507
Operating revenue 56 62
Net income(loss) ₩ (55) ₩ (242)
XML 185 R169.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment in joint ventures and associates_Entities not applied for equity method of accounting with ownership ratio exceeding twenty percent (Details) - shares
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Description of reasons why presumption that interest of more than twenty per cent in associate is overcome [1] Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates. Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.
Poonglim Industrial Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 4,142,782  
Ownership [1] 29.10%  
Description of reasons why presumption that interest of more than twenty per cent in associate is overcome [2] The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018.  
Orient Shipyard Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 464,812 465,050
Ownership [1] 21.40% 21.40%
Saenuel Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 3,531 3,531
Ownership [1] 37.40% 37.40%
E mirae Tech Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 7,696 7,696
Ownership [1] 41.00% 41.00%
Jehin Trading Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 81,610 81,610
Ownership [1] 27.30% 27.30%
The season Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 18,187 18,187
Ownership [1] 30.10% 30.10%
Yuil PESC Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 8,642 8,642
Ownership [1] 24.00% 24.00%
Youngdong Sea Food Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned   12,106
Ownership [1]   24.00%
Description of reasons why presumption that interest of more than twenty per cent in associate is overcome [3]   As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration.
Sinseong Trading Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 2,584 2,584
Ownership [1] 27.20% 27.20%
CL Tech Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 13,759 13,759
Ownership [1] 38.60% 38.60%
Force tec Co Ltd [Member]    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 4,780,907 4,780,907
Ownership [1] 25.80% 25.80%
Protronics Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 95,921 95,921
Ownership [1] 48.10% 48.10%
Instern Co Ltd    
Disclosure of entities not applied for equity method of accounting with ownership ratio exceeding twenty percent [Line Items]    
Number of shares owned 14,296 14,296
Ownership [1] 20.10% 20.10%
[1] Even though the Group’s ownership interest of the entity is more than 20%, the Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates.
[2] The Group does not have significant influence over the entity since it is going through work-out process under receivership, thus it is excluded from the investment in associates for the six months ended June 30, 2018.
[3] As of December 31, 2017, the ownership ratio of the common stocks was more than 20%, but the entity was excluded from investments in associates because it has been under rehabilitation and not able to exercise significant influence. However, as of June 30, 2018, it was included in investments in associates by finalizing rehabilitation process by the court administration.
XML 186 R170.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment in joint ventures and associates_Reconciliations from the net assets of associates based on the ownership ratio to corresponding book value of investment in joint ventures and associates (Details)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2016
KRW (₩)
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Book value ₩ 412,940,000,000 ₩ 417,051,000,000 $ 371,416 ₩ 370,799,000,000 ₩ 439,012,000,000
Kumho Tire Co Inc          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset [1] ₩ 954,857,000,000 ₩ 1,065,421,000,000      
Ownership 14.20% 14.20%      
Net assets of associates(or joint ventures) ₩ 135,122,000,000 ₩ 150,767,000,000      
Cost-book value differential 48,459,000,000 48,459,000,000      
Impairment (102,843,000,000) (102,843,000,000)      
Intercompany transaction and others 2,548,000,000 2,549,000,000      
Book value 83,286,000,000 98,933,000,000   198,711,000,000 200,332,000,000
Woori Service Networks Co Ltd          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 2,798,000,000 ₩ 3,202,000,000      
Ownership 4.90% 4.90%      
Net assets of associates(or joint ventures) ₩ 138,000,000 ₩ 158,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 0 0      
Book value 138,000,000 158,000,000   127,000,000 145,000,000
Korea Credit Bureau Co Ltd          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 62,028,000,000 ₩ 56,181,000,000      
Ownership 9.90% 9.90%      
Net assets of associates(or joint ventures) ₩ 6,149,000,000 ₩ 5,568,000,000      
Cost-book value differential 246,000,000 248,000,000      
Impairment 0 0      
Intercompany transaction and others 0 0      
Book value 6,395,000,000 5,816,000,000   5,951,000,000 5,592,000,000
Korea Finance Security Co Ltd          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 23,134,000,000 ₩ 23,454,000,000      
Ownership 15.00% 15.00%      
Net assets of associates(or joint ventures) ₩ 3,470,000,000 ₩ 3,519,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 0 0      
Book value 3,470,000,000 3,519,000,000   3,385,000,000 3,376,000,000
Chin Hung International Inc          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset [1] ₩ 92,316,000,000 ₩ 81,686,000,000      
Ownership 25.30% 25.30%      
Net assets of associates(or joint ventures) ₩ 23,361,000,000 ₩ 20,671,000,000      
Cost-book value differential 24,565,000,000 24,565,000,000      
Impairment 0 0      
Intercompany transaction and others (130,000,000) (136,000,000)      
Book value 47,796,000,000 45,101,000,000   38,240,000,000 43,032,000,000
Poonglim Industrial Co Ltd          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset [1]   ₩ (168,154,000,000)      
Ownership   29.40%      
Net assets of associates(or joint ventures)   ₩ (49,446,000,000)      
Cost-book value differential   54,542,000,000      
Impairment   (20,504,000,000)      
Intercompany transaction and others   15,408,000,000      
Book value ₩ 0     0  
STX Corporation          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset   ₩ 51,890,000,000      
Ownership 19.70% 19.70%      
Net assets of associates(or joint ventures)   ₩ 10,232,000,000      
Cost-book value differential   24,614,000,000      
Impairment   (27,904,000,000)      
Intercompany transaction and others   5,000,000      
Book value   6,947,000,000   2,364,000,000  
Saman Corporation          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 28,349,000,000 ₩ 28,506,000,000      
Ownership 9.20% 9.20%      
Net assets of associates(or joint ventures) ₩ 2,605,000,000 ₩ 2,619,000,000      
Cost-book value differential 5,373,000,000 5,373,000,000      
Impairment (6,738,000,000) (6,738,000,000)      
Intercompany transaction and others 0 0      
Book value 1,240,000,000 1,254,000,000   8,629,000,000 8,699,000,000
Woori Growth Partnerships New Technology Private Equity Fund          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 107,986,000,000 ₩ 119,648,000,000      
Ownership 23.10% 23.10%      
Net assets of associates(or joint ventures) ₩ 24,920,000,000 ₩ 27,611,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 0 0      
Book value 24,920,000,000 27,611,000,000   17,838,000,000 13,118,000,000
2016KIF-IMM Woori Bank Technology Venture Fund          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 65,377,000,000 ₩ 32,435,000,000      
Ownership 20.00% 20.00%      
Net assets of associates(or joint ventures) ₩ 13,075,000,000 ₩ 6,487,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 545,000,000 353,000,000      
Book value 13,620,000,000 6,840,000,000   5,040,000,000 1,800,000,000
K BANK Co Ltd          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 201,724,000,000 ₩ 243,149,000,000      
Ownership 13.00% 13.00%      
Net assets of associates(or joint ventures) ₩ 26,162,000,000 ₩ 31,535,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 196,000,000 200,000,000      
Book value 26,358,000,000 31,735,000,000   24,442,000,000 ₩ 30,442,000,000
Smart Private Equity Fund No.2          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 14,554,000,000 ₩ 14,660,000,000      
Ownership 20.00% 20.00%      
Net assets of associates(or joint ventures) ₩ 2,911,000,000 ₩ 2,932,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 0 0      
Book value 2,911,000,000 2,932,000,000   2,953,000,000  
Woori Bank-Company K Korea Movie Asset Fund          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 11,869,000,000 ₩ 11,828,000,000      
Ownership 25.00% 25.00%      
Net assets of associates(or joint ventures) ₩ 2,967,000,000 ₩ 2,957,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 0 0      
Book value 2,967,000,000 2,957,000,000   ₩ 1,485,000,000  
Well to Sea No.3 Private Equity Fund          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset [1] ₩ 371,813,000,000 ₩ 364,909,000,000      
Ownership 50.00% 50.00%      
Net assets of associates(or joint ventures) ₩ 185,816,000,000 ₩ 182,366,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others (117,000,000) (57,000,000)      
Book value 185,699,000,000 182,309,000,000      
Partner One Value Up I Private Equity Fund [Member]          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 42,942,000,000        
Ownership 23.30%        
Net assets of associates(or joint ventures) ₩ 9,987,000,000        
Cost-book value differential 0        
Impairment 0        
Intercompany transaction and others 0        
Book value 9,987,000,000        
IBK KIP Seongjang Dideemdol 1st Private Investment Limited Partnership [Member]          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 15,099,000,000        
Ownership 20.00%        
Net assets of associates(or joint ventures) ₩ 3,020,000,000        
Cost-book value differential 0        
Impairment 0        
Intercompany transaction and others 248,000,000        
Book value 3,268,000,000        
Nomura-Rifa Private Real Estate Investment Trust No.17          
Reconciliations from the net assets of associates and joint ventures based on the ownership ratio to corresponding book value of investment in associates and joint ventures [Line Items]          
Total net asset ₩ 4,026,000,000 ₩ 3,758,000,000      
Ownership 21.90% 25.00%      
Net assets of associates(or joint ventures) ₩ 882,000,000 ₩ 939,000,000      
Cost-book value differential 0 0      
Impairment 0 0      
Intercompany transaction and others 3,000,000 0      
Book value ₩ 885,000,000 ₩ 939,000,000      
[1] The net asset amount is after reflecting debt-equity swap and others.
XML 187 R171.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment properties_Details of investment properties (Details)
$ in Thousands, ₩ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2016
KRW (₩)
Disclosure of investment property [Line Items]          
Net carrying value ₩ 381,177 $ 342,847 ₩ 371,301 ₩ 359,937 ₩ 358,497
Acquisition cost          
Disclosure of investment property [Line Items]          
Net carrying value 417,692   404,741    
Accumulated depreciation          
Disclosure of investment property [Line Items]          
Net carrying value ₩ (36,515)   ₩ (33,440)    
XML 188 R172.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment properties_Reconciliation of investment properties (Details)
$ in Thousands
6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Reconciliation of changes in investment property [Abstract]      
Beginning balance ₩ 371,301,000,000   ₩ 358,497,000,000
Changes in investment property [Abstract]      
Acquisition 7,311,000,000   1,221,000,000
Disposal (1,738,000,000)   (225,000,000)
Depreciation (2,010,000,000)   (1,991,000,000)
Transfer 6,333,000,000   (2,708,000,000)
Classified to assets held for sale 0   (534,000,000)
Foreign currencies translation adjustments (79,000,000)   (120,000,000)
Others 59,000,000   5,797,000,000
Ending balance ₩ 381,177,000,000 $ 342,847 ₩ 359,937,000,000
XML 189 R173.htm IDEA: XBRL DOCUMENT v3.10.0.1
Investment properties_Rental fee earned from investment properties (Details) - KRW (₩)
₩ in Millions
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Rental income from investment property net of direct operating expense [Abstract]    
Rental fee earned from investment properties ₩ 2,396 ₩ 2,411
XML 190 R174.htm IDEA: XBRL DOCUMENT v3.10.0.1
Premises and equipment_Details of premises and equipment (Details)
$ in Thousands
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2016
KRW (₩)
Disclosure of property plant and equipment [Line Items]          
Net carrying value ₩ 2,450,754,000,000 $ 2,204,312 ₩ 2,477,545,000,000 ₩ 2,459,176,000,000 ₩ 2,458,025,000,000
Acquisition cost          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 3,896,977,000,000   3,873,512,000,000    
Accumulated depreciation          
Disclosure of property plant and equipment [Line Items]          
Net carrying value (1,446,223,000,000)   (1,395,967,000,000)    
Land          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 1,482,169,000,000   1,487,278,000,000 1,488,266,000,000 1,488,745,000,000
Land | Acquisition cost          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 1,482,169,000,000   1,487,278,000,000    
Building          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 665,815,000,000   680,846,000,000 681,692,000,000 691,699,000,000
Building | Acquisition cost          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 863,503,000,000   867,804,000,000    
Building | Accumulated depreciation          
Disclosure of property plant and equipment [Line Items]          
Net carrying value (197,688,000,000)   (186,958,000,000)    
Properties for business use          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 236,261,000,000   180,072,000,000 188,225,000,000 189,902,000,000
Properties for business use | Acquisition cost          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 1,105,029,000,000   1,024,186,000,000    
Properties for business use | Accumulated depreciation          
Disclosure of property plant and equipment [Line Items]          
Net carrying value (868,768,000,000)   (844,114,000,000)    
Structures in leased office          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 62,085,000,000   64,787,000,000 63,113,000,000 68,958,000,000
Structures in leased office | Acquisition cost          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 441,835,000,000   429,665,000,000    
Structures in leased office | Accumulated depreciation          
Disclosure of property plant and equipment [Line Items]          
Net carrying value (379,750,000,000)   (364,878,000,000)    
Construction in progress          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 4,421,000,000   64,559,000,000 37,877,000,000 18,717,000,000
Construction in progress | Acquisition cost          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 4,421,000,000   64,559,000,000    
Construction in progress | Accumulated depreciation          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 0   0    
Structures          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 3,000,000   3,000,000 ₩ 3,000,000 ₩ 4,000,000
Structures | Acquisition cost          
Disclosure of property plant and equipment [Line Items]          
Net carrying value 20,000,000   20,000,000    
Structures | Accumulated depreciation          
Disclosure of property plant and equipment [Line Items]          
Net carrying value ₩ (17,000,000)   ₩ (17,000,000)    
XML 191 R175.htm IDEA: XBRL DOCUMENT v3.10.0.1
Premises and equipment_Reconciliation of premises and equipment (Details)
$ in Thousands
6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Reconciliation of changes in property plant and equipment [Abstract]      
Beginning balance ₩ 2,477,545,000,000   ₩ 2,458,025,000,000
Changes in property plant and equipment [Abstract]      
Acquisition 42,694,000,000   68,628,000,000
Disposal (161,000,000)   (1,469,000,000)
Depreciation (66,800,000,000)   (69,346,000,000)
Classified to assets held for sale (6,050,000,000)   (2,184,000,000)
Transfer (6,333,000,000)   2,708,000,000
Foreign currencies translation adjustment 584,000,000   (2,754,000,000)
Acquisition through business combination 1,630,000,000   0
Others 7,645,000,000   5,568,000,000
Ending balance 2,450,754,000,000 $ 2,204,312 2,459,176,000,000
Land      
Reconciliation of changes in property plant and equipment [Abstract]      
Beginning balance 1,487,278,000,000   1,488,745,000,000
Changes in property plant and equipment [Abstract]      
Acquisition 463,000,000   0
Disposal 0   (606,000,000)
Depreciation 0   0
Classified to assets held for sale (3,573,000,000)   (1,743,000,000)
Transfer (1,910,000,000)   2,466,000,000
Foreign currencies translation adjustment (89,000,000)   (596,000,000)
Acquisition through business combination 0   0
Others 0   0
Ending balance 1,482,169,000,000   1,488,266,000,000
Building      
Reconciliation of changes in property plant and equipment [Abstract]      
Beginning balance 680,846,000,000   691,699,000,000
Changes in property plant and equipment [Abstract]      
Acquisition 4,326,000,000   3,831,000,000
Disposal 0   (205,000,000)
Depreciation (12,960,000,000)   (13,029,000,000)
Classified to assets held for sale (2,477,000,000)   (441,000,000)
Transfer (4,423,000,000)   403,000,000
Foreign currencies translation adjustment (121,000,000)   (560,000,000)
Acquisition through business combination 0   0
Others 624,000,000   (6,000,000)
Ending balance 665,815,000,000   681,692,000,000
Properties for business use      
Reconciliation of changes in property plant and equipment [Abstract]      
Beginning balance 180,072,000,000   189,902,000,000
Changes in property plant and equipment [Abstract]      
Acquisition 27,635,000,000   31,624,000,000
Disposal (72,000,000)   (235,000,000)
Depreciation (36,144,000,000)   (38,063,000,000)
Classified to assets held for sale 0   0
Transfer 63,433,000,000   5,485,000,000
Foreign currencies translation adjustment 352,000,000   (676,000,000)
Acquisition through business combination 969,000,000   0
Others 16,000,000   188,000,000
Ending balance 236,261,000,000   188,225,000,000
Structures in leased office      
Reconciliation of changes in property plant and equipment [Abstract]      
Beginning balance 64,787,000,000   68,958,000,000
Changes in property plant and equipment [Abstract]      
Acquisition 6,928,000,000   8,120,000,000
Disposal (89,000,000)   (423,000,000)
Depreciation (17,696,000,000)   (18,253,000,000)
Classified to assets held for sale 0   0
Transfer 0   0
Foreign currencies translation adjustment 489,000,000   (675,000,000)
Acquisition through business combination 661,000,000   0
Others 7,005,000,000   5,386,000,000
Ending balance 62,085,000,000   63,113,000,000
Construction in progress      
Reconciliation of changes in property plant and equipment [Abstract]      
Beginning balance 64,559,000,000   18,717,000,000
Changes in property plant and equipment [Abstract]      
Acquisition 3,342,000,000   25,053,000,000
Disposal 0   0
Depreciation 0   0
Classified to assets held for sale 0   0
Transfer (63,433,000,000)   (5,646,000,000)
Foreign currencies translation adjustment (47,000,000)   (247,000,000)
Acquisition through business combination 0   0
Others 0   0
Ending balance 4,421,000,000   37,877,000,000
Structures      
Reconciliation of changes in property plant and equipment [Abstract]      
Beginning balance 3,000,000   4,000,000
Changes in property plant and equipment [Abstract]      
Acquisition 0   0
Disposal 0   0
Depreciation 0   (1,000,000)
Classified to assets held for sale 0   0
Transfer 0   0
Foreign currencies translation adjustment 0   0
Acquisition through business combination 0   0
Others 0   0
Ending balance ₩ 3,000,000   ₩ 3,000,000
XML 192 R176.htm IDEA: XBRL DOCUMENT v3.10.0.1
Intangible assets_Details of intangible assets (Details)
$ in Thousands
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2016
KRW (₩)
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value ₩ 653,514,000,000 $ 587,798 ₩ 518,599,000,000 ₩ 506,882,000,000 ₩ 483,739,000,000
Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 1,579,965,000,000   1,387,971,000,000    
Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (921,486,000,000)   (862,583,000,000)    
Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (4,965,000,000)   (6,789,000,000)    
Goodwill          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 154,644,000,000   108,707,000,000 117,429,000,000 124,803,000,000
Goodwill | Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 154,644,000,000   108,707,000,000    
Goodwill | Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 0   0    
Goodwill | Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 0   0    
Software          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 37,683,000,000   40,672,000,000 45,566,000,000 35,477,000,000
Software | Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 208,383,000,000   203,418,000,000    
Software | Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (170,700,000,000)   (162,746,000,000)    
Software | Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 0   0    
Industrial property rights          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 569,000,000   539,000,000 311,000,000 313,000,000
Industrial property rights | Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 1,180,000,000   1,063,000,000    
Industrial property rights | Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (611,000,000)   (524,000,000)    
Industrial property rights | Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 0   0    
Development costs          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 264,182,000,000   77,241,000,000 71,755,000,000 70,697,000,000
Development costs | Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 463,361,000,000   260,087,000,000    
Development costs | Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (199,179,000,000)   (182,846,000,000)    
Development costs | Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 0   0    
Others          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 166,199,000,000   117,546,000,000 136,863,000,000 164,364,000,000
Others | Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 717,332,000,000   634,150,000,000    
Others | Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (550,996,000,000)   (516,467,000,000)    
Others | Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (137,000,000)   (137,000,000)    
Membership deposit          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 21,259,000,000   20,685,000,000 19,485,000,000 20,086,000,000
Membership deposit | Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 26,087,000,000   27,337,000,000    
Membership deposit | Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 0   0    
Membership deposit | Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value (4,828,000,000)   (6,652,000,000)    
Construction in progress          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 8,978,000,000   153,209,000,000 ₩ 115,473,000,000 ₩ 67,999,000,000
Construction in progress | Acquisition cost          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 8,978,000,000   153,209,000,000    
Construction in progress | Accumulated amortization          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value 0   0    
Construction in progress | Accumulated impairment losses          
Disclosure of reconciliation of changes in intangible assets and goodwill [Line Items]          
Net carrying value ₩ 0   ₩ 0    
XML 193 R177.htm IDEA: XBRL DOCUMENT v3.10.0.1
Intangible Assets_Reconciliation of intangible assets (Details)
$ in Thousands
6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance ₩ 518,599,000,000   ₩ 483,739,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 148,129,000,000   89,679,000,000
Disposal (2,107,000,000)   (866,000,000)
Amortization (58,076,000,000)   (50,024,000,000)
Impairment losses 0   (128,000,000)
Reversal of impairment loss 339,000,000   0
Transfer 0   0
Acquisition through business combination 48,169,000,000   0
Foreign currencies translation adjustment (1,131,000,000)   (9,064,000,000)
Others (408,000,000)   (6,454,000,000)
Ending balance 653,514,000,000 $ 587,798 506,882,000,000
Amortisation of other intangible assets included in other operating expenses 25,179,000,000 [1]   24,443,000,000 [2]
Goodwill      
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance 108,707,000,000   124,803,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 0   105,000,000
Disposal 0   0
Amortization 0   0
Impairment losses 0   0
Reversal of impairment loss 0   0
Transfer 0   0
Acquisition through business combination 47,406,000,000   0
Foreign currencies translation adjustment (1,469,000,000)   (7,479,000,000)
Others 0   0
Ending balance 154,644,000,000   117,429,000,000
Software      
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance 40,672,000,000   35,477,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 3,737,000,000   10,152,000,000
Disposal 0   0
Amortization (7,510,000,000)   (8,064,000,000)
Impairment losses 0   0
Reversal of impairment loss 0   0
Transfer 0   8,091,000,000
Acquisition through business combination 763,000,000   0
Foreign currencies translation adjustment 21,000,000   (68,000,000)
Others 0   (22,000,000)
Ending balance 37,683,000,000   45,566,000,000
Industrial property rights      
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance 539,000,000   313,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 117,000,000   54,000,000
Disposal 0   0
Amortization (87,000,000)   (56,000,000)
Impairment losses 0   0
Reversal of impairment loss 0   0
Transfer 0   0
Acquisition through business combination 0   0
Foreign currencies translation adjustment 0   0
Others 0   0
Ending balance 569,000,000   311,000,000
Development costs      
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance 77,241,000,000   70,697,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 21,455,000,000   12,628,000,000
Disposal 0   0
Amortization (16,317,000,000)   (11,515,000,000)
Impairment losses 0   0
Reversal of impairment loss 0   0
Transfer 181,803,000,000   0
Acquisition through business combination 0   0
Foreign currencies translation adjustment 0   0
Others 0   (55,000,000)
Ending balance 264,182,000,000   71,755,000,000
Others      
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance 117,546,000,000   164,364,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 36,191,000,000   10,276,000,000
Disposal 0   0
Amortization (34,162,000,000) [1]   (30,389,000,000) [2]
Impairment losses 0   0
Reversal of impairment loss 0   0
Transfer 46,746,000,000   36,000,000
Acquisition through business combination 0   0
Foreign currencies translation adjustment 243,000,000   (1,053,000,000)
Others (365,000,000)   (6,371,000,000)
Ending balance 166,199,000,000   136,863,000,000
Amortisation of other intangible assets included in other operating expenses 25,179,000,000 [1]   24,443,000,000 [2]
Membership deposit      
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance 20,685,000,000   20,086,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 2,311,000,000   480,000,000
Disposal (2,107,000,000)   (866,000,000)
Amortization 0   0
Impairment losses 0   (128,000,000)
Reversal of impairment loss 339,000,000   0
Transfer 0   0
Acquisition through business combination 0   0
Foreign currencies translation adjustment 74,000,000   (81,000,000)
Others (43,000,000)   (6,000,000)
Ending balance 21,259,000,000   19,485,000,000
Construction in progress      
Reconciliation of changes in intangible assets and goodwill [Abstract]      
Beginning balance 153,209,000,000   67,999,000,000
Changes in intangible assets and goodwill [Abstract]      
Acquisition 84,318,000,000   55,984,000,000
Disposal 0   0
Amortization 0   0
Impairment losses 0   0
Reversal of impairment loss 0   0
Transfer (228,549,000,000)   (8,127,000,000)
Acquisition through business combination 0   0
Foreign currencies translation adjustment 0   (383,000,000)
Others 0   0
Ending balance ₩ 8,978,000,000   ₩ 115,473,000,000
[1] Amortization of other intangible assets amounting to 25,179 million Won is included in other operating expenses.
[2] Amortization of other intangible assets amounting to 24,443 million Won is included in other operating expenses.
XML 194 R178.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets held for sale_Details of assets held for sale (Details)
$ in Thousands, ₩ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Noncurrent assets or disposal groups classified as held for sale [Line Items]      
Total ₩ 18,705 $ 16,824 ₩ 48,624
Investments in joint ventures and associates      
Noncurrent assets or disposal groups classified as held for sale [Line Items]      
Total 5,865   46,217
Premises and equipment      
Noncurrent assets or disposal groups classified as held for sale [Line Items]      
Total [1] 12,840   2,407
Non-current assets classified as held for sale out of assets of consolidated subsidiaries [1] ₩ 5,223   ₩ 840
[1] As of June 30, 2018 and December 31, 2017, non-operating assets of the subsidiaries include land and buildings classified as assets held for sale amounting to 5,223 million Won and 840 million Won, respectively.
XML 195 R179.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets subject to lien and assets acquired through foreclosures_Assets subjected to lien (Details) - KRW (₩)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 6,780,509 ₩ 9,725,617
Due from banks on time in local currency    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 1,500  
Collateral given to DaishinAMC and others  
Reason for collateral Right of pledge  
Due from banks in local currency    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 19,698  
Collateral given to Samsung Securities Co., Ltd. and others  
Reason for collateral Margin deposit for futures or option  
Due from banks in foreign currencies    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 135,515  
Collateral given to Korea Investment & Securities Co., Ltd. and others  
Reason for collateral Foreign margin deposit for future or option and others  
Korean financial institutions debt securities and others    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 72,915  
Collateral given to Kyobo Life Insurance,.ltd and others  
Reason for collateral CSA collateral and others  
Korean treasury and corporate bonds    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 10,002  
Collateral given to Korea Securities Depository  
Reason for collateral [1] Related to bonds sold under repurchase agreements  
Korean treasury and government agencies bonds and others    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 1,621,221  
Collateral given to The BOK and others  
Reason for collateral Settlement risk and others  
Korean treasury and government agencies bonds    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 5,444  
Collateral given to Korea Securities Depository The BOK and others  
Reason for collateral [1] Related to bonds sold under repurchase agreements  
Korean financial institutions debt securities and others    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 4,908,149  
Collateral given to The BOK and others  
Reason for collateral Settlement risk and others  
Due from banks on time in local currency    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 6,629
Collateral given to   Bank of China and others
Reason for collateral   Collaterals for issuing letter of guarantee and others
Due from banks in local currency    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 10,809
Collateral given to   Samsung Securities Co., Ltd. and others
Reason for collateral   Margin deposit for futures or option
Due from banks in foreign currencies    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 9,136
Collateral given to   Korea Investment & Securities Co., Ltd. and others
Reason for collateral   Foreign margin deposit for future or option and others
Korean financial institutions debt securities and others    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 501,523
Collateral given to   Yuanta Securities Co., Ltd. and others
Reason for collateral   Substitute securities and others
Korean treasury and corporate bonds    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 9,998
Collateral given to   Korea Securities Depository and others
Reason for collateral [1]   Related to bonds sold under repurchase agreements
Korean treasury and government agencies bonds and others    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 1,570,608
Collateral given to   The BOK and others
Reason for collateral   Settlement risk and others
Korean treasury and government agencies bonds    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 5,436
Collateral given to   Korea Securities Depository
Reason for collateral [1]   Related to bonds sold under repurchase agreements
Korean financial institutions debt securities and others    
Financial instruments owned and pledged as collateral [Line Items]    
Amount   ₩ 7,605,292
Collateral given to   The BOK and others
Reason for collateral   Settlement risk and others
Land and building    
Financial instruments owned and pledged as collateral [Line Items]    
Amount ₩ 6,065 ₩ 6,186
Collateral given to Credit Counselling & Recovery Service and others Credit Counselling & Recovery Service and others
Reason for collateral Right to collateral and others Leasehold rights and others
[1] The Group has the agreements to repurchase the sold assets at the predetermined price or the price that includes the rate of return and to provide the guarantee on the assets. The transferee has the right to sell or to provide as guarantee. Therefore, the Group does not derecognize the assets, but recognizes the relevant amounts as liability (bonds sold under repurchase agreements).
XML 196 R180.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets subject to lien and assets acquired through foreclosures_Carrying amounts of buildings acquired through foreclosure (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Disclsoure of carrying amounts o assets acquired through foreclosure [Abstract]    
Land ₩ 327,000,000 ₩ 332,000,000
Buildings 0 44,000,000
Total ₩ 327,000,000 ₩ 376,000,000
XML 197 R181.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets subject to lien and assets acquired through foreclosures_Details of securities lent (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Nature of financial assets transferred during period which do not qualify for derecognition    
Loaned securities    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise ₩ 50,139,000,000 ₩ 170,256,000,000
Nature of financial assets transferred during period which do not qualify for derecognition Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned. Securities loaned are lending of specific securities to borrowers who agree to return the same quantity of the same security at the end of lending period. As the Group does not derecognize these securities, there are no liabilities recognized through such transactions relates to securities loaned.
Korean treasury, corporate bonds and others    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise ₩ 50,139,000,000 ₩ 0
Loaned to Korea Securities Finance Corporation  
Korean treasury and government bonds and others    
Disclosure of financial assets transferred during period which do not qualify for derecognition [Line Items]    
Assets that entity continues to recognise ₩ 0 ₩ 170,256,000,000
Loaned to   Korea Securities Finance Corporation and others
XML 198 R182.htm IDEA: XBRL DOCUMENT v3.10.0.1
Assets subject to lien and assets acquired through foreclosures_Collaterals held that can be disposed and recollateralized regardless of defaults of counterparties (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Fair value of collateral available to sell or repledge and collateral sold or repledged [Line Items]    
Fair values of collaterals ₩ 7,303,137,000,000 ₩ 17,671,490,000,000
Fair values of collaterals were disposed or re-subjected to lien ₩ 0 ₩ 0
XML 199 R183.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other assets_Details of other assets (Details)
$ in Thousands, ₩ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Other assests [Line Items]      
Total ₩ 202,800 $ 182,406 ₩ 158,404
Prepaid expenses      
Other assests [Line Items]      
Total 165,150   130,245
Advance payments      
Other assests [Line Items]      
Total 24,879   18,363
Non-operative assets      
Other assests [Line Items]      
Total 327   376
Others      
Other assests [Line Items]      
Total ₩ 12,444   ₩ 9,420
XML 200 R184.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial liabilities at FVTPL_Details of financial liabilities at FVTPL (Details)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2017
KRW (₩)
Disclosure of financial liabilities at fair value through profit or loss [Line Items]        
Financial liabilities at FVTPL ₩ 2,402,235,000,000   ₩ 0  
Financial liabilities held for trading 0   3,176,113,000,000  
Financial liabilities at fair value through profit or loss designated as upon initial recognition 176,097,000,000   0 ₩ 0
Financial liabilities designated at FVTPL (IAS 39) 0   251,796,000,000 ₩ 616,177,000,000
Financial liabilities at FVTPL 2,578,332,000,000 [1] $ 2,319,061,000 [1] 0  
Financial liabilities at fair value through profit or loss in accordance with IAS 39 0 $ 0 3,427,909,000,000  
Gold banking liabilities        
Disclosure of financial liabilities at fair value through profit or loss [Line Items]        
Financial liabilities at FVTPL 24,485,000,000      
Financial liabilities held for trading     25,964,000,000  
Derivative liabilities        
Disclosure of financial liabilities at fair value through profit or loss [Line Items]        
Financial liabilities at FVTPL 2,377,750,000,000      
Financial liabilities held for trading     3,150,149,000,000  
Equity linked securities index in short position        
Disclosure of financial liabilities at fair value through profit or loss [Line Items]        
Financial liabilities at fair value through profit or loss designated as upon initial recognition 176,097,000,000      
Financial liabilities designated at FVTPL (IAS 39)     160,057,000,000  
Debentures in local currency        
Disclosure of financial liabilities at fair value through profit or loss [Line Items]        
Financial liabilities designated at FVTPL (IAS 39) ₩ 0   ₩ 91,739,000,000  
[1] The consolidated interim statements of financial position as of June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated statements of financial position as of December 31, 2017 were not retrospectively restated accordance with IFRS 9.
XML 201 R185.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial liabilities at FVTPL_Credit risk adjustments to financial liabilities at FVTPL (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2017
Designated financial liabilities at fair value through profit or loss [Abstract]      
Financial liabilities at fair value through profit or loss designated as upon initial recognition ₩ 176,097,000,000 ₩ 0 ₩ 0
Financial liabilities designated at FVTPL (IAS 39) 0 616,177,000,000 ₩ 251,796,000,000
Credit risk adjustments (179,000,000) (261,000,000)  
Accumulated changes in credit risk adjustments ₩ (39,000,000) ₩ 89,000,000  
Additional information about credit risk adjustments The adjustment to reflect Group’s credit risk is considered in measuring the fair value of derivatives. The Group’s credit risk is determined by adjusting credit spread observed in credit rating of bank. The adjustment to reflect Group’s credit risk is considered in measuring the fair value of derivatives. The Group’s credit risk is determined by adjusting credit spread observed in credit rating of bank.  
XML 202 R186.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial liabilities at FVTPL_Difference between carrying amount and nominal amount at maturity of financial liabilities at fair value through profit or loss designated as upon initial recognition (Details) - KRW (₩)
Jun. 30, 2018
Dec. 31, 2017
Jun. 30, 2017
Disclosure of difference between carrying amount and nominal amountat maturityof financial liabilities at fair value through profit or loss designated as upon initial recognition [Abstract]      
Carrying amount ₩ 176,097,000,000 ₩ 0 ₩ 0
Carrying amount Financial liabilities designated as at FVTPL (IAS39) 0 251,796,000,000 ₩ 616,177,000,000
Nominal amount at maturity 212,259,000,000 255,408,000,000  
Difference ₩ (36,162,000,000) ₩ (3,612,000,000)  
XML 203 R187.htm IDEA: XBRL DOCUMENT v3.10.0.1
Financial liabilities at FVTPL_Capital fluctuation in financial liabilities at fair value through profit or loss designated as upon initial recognition (Details)
₩ in Millions
6 Months Ended
Jun. 30, 2018
KRW (₩)
Disclosure of changes in equity in relation to financial liabilities at fair value through profit or loss designated as upon initial recognition [Abstract]  
Equity-linked securities index ₩ (8)
XML 204 R188.htm IDEA: XBRL DOCUMENT v3.10.0.1
Deposits due to customers_Details of deposits due to customers by type (Details)
$ in Thousands, ₩ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of deposits from customers [Line Items]      
Total ₩ 237,900,166 $ 213,977,483 ₩ 234,695,084
Present value discount      
Disclosure of deposits from customers [Line Items]      
Total (43,167)   (40,010)
Deposits in local currency      
Disclosure of deposits from customers [Line Items]      
Total 215,993,292   211,052,198
Deposits in local currency | Deposits on demand | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total 9,337,563   9,349,070
Deposits in local currency | Deposits at termination | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total 198,768,356   194,292,679
Deposits in local currency | Mutual funds | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total 32,292   34,055
Deposits in local currency | Deposits on notes payables | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total 1,705,871   1,323,679
Deposits in local currency | Deposits on CMA | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total 154,782   164,431
Deposits in local currency | Certificate of deposits | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total 4,592,575   4,436,443
Deposits in local currency | Other deposits | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total 1,401,853   1,451,841
Due from banks in foreign currencies | Deposits in foreign currencies | Gross carrying amount [Member]      
Disclosure of deposits from customers [Line Items]      
Total ₩ 21,950,041   ₩ 23,682,896
XML 205 R189.htm IDEA: XBRL DOCUMENT v3.10.0.1
Borrowings and debentures_Details of borrowings (Details)
$ in Thousands, ₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 15,899,599 ₩ 14,784,706 $ 14,300,773
Present value discount      
Disclosure of detailed information about borrowings [Line Items]      
Total (27) (165)  
Borrowings in local currency      
Disclosure of detailed information about borrowings [Line Items]      
Total   7,084,848  
Borrowings in local currency | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total 7,869,438    
Borrowings from The BOK | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 1,420,990 ₩ 1,404,087  
Lenders The BOK The BOK  
Borrowings from The BOK | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.50% 0.50% 0.50%
Borrowings from The BOK | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.80% 0.80% 0.80%
Small Enterprise And Market Service and others | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 1,782,603 ₩ 1,723,340  
Lenders Small Enterprise And Market Service and others Small Enterprise And Market Service and others  
Small Enterprise And Market Service and others | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.00% 0.00% 0.00%
Small Enterprise And Market Service and others | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 2.50% 2.90% 2.50%
The Korea Development Bank and others | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 4,665,845 ₩ 3,957,421  
Lenders The Korea Development Bank and others The Korea Development Bank and others  
The Korea Development Bank and others | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.00% 0.00% 0.00%
The Korea Development Bank and others | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 4.00% 3.20% 4.00%
Borrowings in foreign currency      
Disclosure of detailed information about borrowings [Line Items]      
Total   ₩ 7,024,836  
Borrowings in foreign currency | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 7,182,053    
The Export-Import BOK and others | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 7,148,402 ₩ 6,996,551  
Lenders The Export-Import BOK and others The Export-Import BOK and others  
The Export-Import BOK and others | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.00% 0.00% 0.00%
The Export-Import BOK and others | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 6.50% 6.80% 6.50%
JP Morgan | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 33,651    
Lenders JPMORGAN CHASE BANK    
JP Morgan | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 2.80%   2.80%
Commonwealth Bank | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total   ₩ 28,285  
Lenders   Commonwealth Bank  
Commonwealth Bank | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate   1.80%  
Bills sold | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 23,874 ₩ 36,953  
Lenders Others Others  
Bills sold | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.00% 0.00% 0.00%
Bills sold | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 1.20% 1.20% 1.20%
Call money | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 818,889 ₩ 635,061  
Lenders Bank and others Bank and others  
Call money | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.00% 1.50% 0.00%
Call money | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 6.30% 2.70% 6.30%
Bonds sold under repurchase agreements | Gross carrying amount [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Total ₩ 5,372 ₩ 3,173  
Lenders Other financial institutions Other financial institutions  
Bonds sold under repurchase agreements | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 0.70% 0.60% 0.70%
Bonds sold under repurchase agreements | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about borrowings [Line Items]      
Interest rate 12.70% 12.70% 12.70%
XML 206 R190.htm IDEA: XBRL DOCUMENT v3.10.0.1
Borrowings and debentures_Details of debentures (Details)
$ in Thousands, ₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Disclosure of detailed information about debentures [Line Items]      
Total ₩ 26,752,725 ₩ 27,869,651 $ 24,062,534
Fair value hedged amount of debentures [1] 3,150,145 3,089,751  
Cash flow hedged amount of debentures [1] 724,487 694,548  
Discounts on bond      
Disclosure of detailed information about debentures [Line Items]      
Total (35,616) (30,173)  
Face value of bond | Gross carrying amount [Member]      
Disclosure of detailed information about debentures [Line Items]      
Total 26,788,341 27,899,824  
Ordinary bonds | Gross carrying amount [Member]      
Disclosure of detailed information about debentures [Line Items]      
Total ₩ 21,105,565 ₩ 22,468,908  
Ordinary bonds | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about debentures [Line Items]      
Interest rate 1.50% 1.50%  
Ordinary bonds | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about debentures [Line Items]      
Interest rate 4.50% 5.80%  
Subordinated bonds | Gross carrying amount [Member]      
Disclosure of detailed information about debentures [Line Items]      
Total ₩ 5,006,632 ₩ 4,781,301  
Subordinated bonds | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about debentures [Line Items]      
Interest rate 3.00% 3.40%  
Subordinated bonds | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about debentures [Line Items]      
Interest rate 12.60% 12.60%  
Other bonds | Gross carrying amount [Member]      
Disclosure of detailed information about debentures [Line Items]      
Total ₩ 676,144 ₩ 649,615  
Other bonds | Gross carrying amount [Member] | Bottom of range [Member]      
Disclosure of detailed information about debentures [Line Items]      
Interest rate 1.90% 1.60%  
Other bonds | Gross carrying amount [Member] | Top of range [Member]      
Disclosure of detailed information about debentures [Line Items]      
Interest rate 17.00% 17.00%  
[1] Included debentures under fair value hedge relationships are 3,150,145 million Won and 3,089,751 million Won as of June 30, 2018 and December 31, 2017, respectively. Also, debentures under cash flow hedge amounting to 724,487 million Won and 694,548 million Won are included as of June 30, 2018 and December 31, 2017.
XML 207 R191.htm IDEA: XBRL DOCUMENT v3.10.0.1
Provisions_Details of provisions (Details)
$ in Thousands, ₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Disclosure of other provisions [Line Items]      
Provisions ₩ 386,374 ₩ 410,470 $ 347,521
Asset retirement obligation      
Disclosure of other provisions [Line Items]      
Provisions 67,458 61,872  
Provision for guarantee      
Disclosure of other provisions [Line Items]      
Provisions [1] ₩ 106,827 ₩ 183,247  
Description of nature of provisions for guarantee [1] Provision for guarantee includes provision for financial guarantee of 54,896 million Won and 71,697 million Won as of June 30, 2018 and December 31, 2017, respectively. Provision for guarantee includes provision for financial guarantee of 66,953 million Won and 71,697 million Won as of March 31, 2018 and December 31, 2017, respectively.  
Provision for financial guarantee contract [1] ₩ 54,896 ₩ 71,697  
Provision for unused commitments      
Disclosure of other provisions [Line Items]      
Provisions 101,874 66,115  
Provisions for customer reward credits      
Disclosure of other provisions [Line Items]      
Provisions 46,735 40,445  
Other provisions      
Disclosure of other provisions [Line Items]      
Provisions [2] ₩ 63,480 ₩ 58,791  
Description of nature of miscellaneous other provisions [2] Other provisions consist of provision for litigation and others. Other provisions consist of provision for litigation and others.  
[1] Provisions for guarantees includes provision for financial guarantee of 54,896 million Won and 71,697 million Won as of June 30, 2018 and December 31, 2017, respectively.
[2] Other provisions consist of provision for litigation and others.
XML 208 R192.htm IDEA: XBRL DOCUMENT v3.10.0.1
Provisions_Details of provisions for guarantee (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Reconciliation of changes in provisions for payment guarantee [Abstract]    
Beginning balance [1] ₩ 192,924,000,000  
Beginning balance 183,247,000,000 ₩ 238,117,000,000
Changes in provisions for payment guarantee [Abstract]    
Replaced by 12-month expected credit loss 0  
Replaced with expected credit loss for the entire period 0  
Replaced with credit-impaired financial assets 0  
Provisions provided   1,003,000,000
Provisions used (8,506,000,000) (12,335,000,000)
Unused provision reversed provisions for payment guarantee (86,990,000,000) (45,971,000,000)
Foreign currencies translation adjustments   20,000,000
Others 9,399,000,000 7,920,000,000
Ending balance 106,827,000,000 ₩ 188,754,000,000
Stage 1    
Reconciliation of changes in provisions for payment guarantee [Abstract]    
Beginning balance [1] 47,132,000,000  
Changes in provisions for payment guarantee [Abstract]    
Replaced by 12-month expected credit loss 76,000,000  
Replaced with expected credit loss for the entire period (954,000,000)  
Replaced with credit-impaired financial assets (21,000,000)  
Provisions used (8,506,000,000)  
Unused provision reversed provisions for payment guarantee (4,873,000,000)  
Others 9,393,000,000  
Ending balance 42,247,000,000  
Stage 2    
Reconciliation of changes in provisions for payment guarantee [Abstract]    
Beginning balance [1] 18,281,000,000  
Changes in provisions for payment guarantee [Abstract]    
Replaced by 12-month expected credit loss (76,000,000)  
Replaced with expected credit loss for the entire period 58,894,000,000  
Replaced with credit-impaired financial assets (20,000,000)  
Provisions used 0  
Unused provision reversed provisions for payment guarantee (46,344,000,000)  
Others 6,000,000  
Ending balance 30,741,000,000  
Stage 3    
Reconciliation of changes in provisions for payment guarantee [Abstract]    
Beginning balance [1] 127,511,000,000  
Changes in provisions for payment guarantee [Abstract]    
Replaced by 12-month expected credit loss 0  
Replaced with expected credit loss for the entire period (57,940,000,000)  
Replaced with credit-impaired financial assets 41,000,000  
Provisions used 0  
Unused provision reversed provisions for payment guarantee (35,773,000,000)  
Others 0  
Ending balance ₩ 33,839,000,000  
[1] The beginning balance was restated in accordance with IFRS 9.
XML 209 R193.htm IDEA: XBRL DOCUMENT v3.10.0.1
Provisions_Details of provisions for unused commitment (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Reconciliation of changes in provisions for credit commitment [Abstract]    
Beginning balance [1] ₩ 104,985,000,000  
Beginning balance 66,115,000,000 ₩ 87,909,000,000
Changes in provisions for credit commitment [Abstract]    
Replaced by 12-month expected credit loss 0  
Replaced with expected credit loss for the entire period 0  
Replaced with credit-impaired financial assets 0  
Provisions provided   491,000,000
Provisions used   (42,000,000)
Net reversal of unused amount (3,155,000,000) (5,736,000,000)
Foreign currencies translation adjustments   (1,000,000)
Others 44,000,000  
Ending balance 101,874,000,000 ₩ 82,621,000,000
Stage 1    
Reconciliation of changes in provisions for credit commitment [Abstract]    
Beginning balance [1] 75,232,000,000  
Changes in provisions for credit commitment [Abstract]    
Replaced by 12-month expected credit loss 6,262,000,000  
Replaced with expected credit loss for the entire period (2,543,000,000)  
Replaced with credit-impaired financial assets (159,000,000)  
Net reversal of unused amount (6,183,000,000)  
Others 44,000,000  
Ending balance 72,653,000,000  
Stage 2    
Reconciliation of changes in provisions for credit commitment [Abstract]    
Beginning balance [1] 27,875,000,000  
Changes in provisions for credit commitment [Abstract]    
Replaced by 12-month expected credit loss (6,145,000,000)  
Replaced with expected credit loss for the entire period 2,614,000,000  
Replaced with credit-impaired financial assets (325,000,000)  
Net reversal of unused amount 3,356,000,000  
Others 0  
Ending balance 27,375,000,000  
Stage 3    
Reconciliation of changes in provisions for credit commitment [Abstract]    
Beginning balance [1] 1,878,000,000  
Changes in provisions for credit commitment [Abstract]    
Replaced by 12-month expected credit loss (117,000,000)  
Replaced with expected credit loss for the entire period (71,000,000)  
Replaced with credit-impaired financial assets 484,000,000  
Net reversal of unused amount (328,000,000)  
Others 0  
Ending balance ₩ 1,846,000,000  
[1] The beginning balance was restated in accordance with IFRS 9.
XML 210 R194.htm IDEA: XBRL DOCUMENT v3.10.0.1
Provisions_Changes in asset retirement obligation (Details) - KRW (₩)
₩ in Millions
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Reconciliation of changes in provision for decommissioning restoration and rehabilitation costs [Abstract]    
Beginning balance ₩ 61,872 ₩ 58,076
Changes in provision for decommissioning restoration and rehabilitation costs [Abstract]    
Provisions provided 1,083 654
Provisions used (295) (416)
Reversal of provisions unused (993) (727)
Amortization 259 203
Increase in restoration costs and others 5,532 4,163
Ending balance ₩ 67,458 ₩ 61,953
Description of nature of obligation, other provisions The amount of the asset retirement obligation is the present value of the best estimate of future expected recovery cost arising from leased premises as of June 30, 2018, discounted by appropriate discount rate.  
Description of expected timing of outflows, other provisions The expenditure of the recovery cost is expected to occur by the end of each premise’s lease period, and the Group has used average lease period of each category of leases terminated during the past years in order to rationally estimate the lease period.  
Description of major assumptions made concerning future events, other provisions In addition, the Group used average amount of actual recovery cost for the past 3 years and the average inflation rate for last year in order to estimate future recovery cost.  
XML 211 R195.htm IDEA: XBRL DOCUMENT v3.10.0.1
Provisions_Changes in other provisions (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Other provisions except for provision for decommissioning restoration and rehabilitation costs [Member]    
Reconciliation of changes in other provisions [Abstract]    
Beginning balance ₩ 99,236,000,000 ₩ 44,375,000,000
Changes in other provisions [Abstract]    
Provisions provided 38,280,000,000 34,598,000,000
Provisions used (51,090,000,000) (48,415,000,000)
Reversal of provisions unused (40,000,000) (40,000,000)
Foreign currencies translation adjustments (7,000,000) (146,000,000)
Transfer 5,467,000,000 [1] 11,482,000,000 [2]
Amortization   53,000,000
Others 18,369,000,000 5,795,000,000
Ending balance 110,215,000,000 47,702,000,000
Provisions for customer reward credits    
Reconciliation of changes in other provisions [Abstract]    
Beginning balance 40,445,000,000 22,093,000,000
Changes in other provisions [Abstract]    
Provisions provided 36,044,000,000 32,208,000,000
Provisions used (48,891,000,000) (39,402,000,000)
Reversal of provisions unused 0 0
Foreign currencies translation adjustments 0 0
Transfer 5,467,000,000 [1] 11,482,000,000 [2]
Amortization   0
Others 13,670,000,000 5,667,000,000
Ending balance ₩ 46,735,000,000 ₩ 32,048,000,000
Explanation of increase (decrease) through transfer other provisions As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the three months ended March 31, 2018. As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2017.
Other provisions    
Reconciliation of changes in other provisions [Abstract]    
Beginning balance ₩ 58,791,000,000 ₩ 22,282,000,000
Changes in other provisions [Abstract]    
Provisions provided 2,236,000,000 2,390,000,000
Provisions used (2,199,000,000) (9,013,000,000)
Reversal of provisions unused (40,000,000) (40,000,000)
Foreign currencies translation adjustments (7,000,000) (146,000,000)
Transfer 0 0
Amortization   53,000,000
Others 4,699,000,000 128,000,000
Ending balance ₩ 63,480,000,000 ₩ 15,654,000,000
[1] As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2018.
[2] As the credits of the affiliates were transferred to the Group, the allowance for the provisions for customer reward credits increased for the six months ended June 30, 2017.
XML 212 R196.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net defined benefits liability_Details of net defined benefit liability (Details) - KRW (₩)
₩ in Millions
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2017
Disclosure of defined benefit plans [Abstract]      
Description of type of retirement benefit plan Employees and directors with one or more years of service are entitled to receive a payment upon termination of their employment, based on their length of service and rate of pay at the time of termination. Employees and directors with one or more years of service are entitled to receive a payment upon termination of their employment, based on their length of service and rate of pay at the time of termination.  
Description of nature of benefits provided by plan The assets of the plans are measured at their fair value at the end of reporting date. The assets of the plans are measured at their fair value at the end of reporting date.  
Description of significant actuarial assumptions made and method used to calculate actuarial present value of promised retirement benefits The plan liabilities are measured using the projected unit method, which takes account of projected earnings increases, using actuarial assumptions that give the best estimate of the future cash flows that will arise under the plan liabilities. The plan liabilities are measured using the projected unit method, which takes account of projected earnings increases, using actuarial assumptions that give the best estimate of the future cash flows that will arise under the plan liabilities.  
Description of risks to which plan exposes entity The Group is exposed to various risks through defined benefit retirement pension plan, and the most significant risks are as follows: -Volatility of asset:The defined benefit obligation was estimated with an interest rate calculated based on blue chip corporate bonds earnings. A deficit may occur if the rate of return of plan assets falls short of the interest rate. -Decrease in profitability of blue chip bonds:A decrease in profitability of blue chip bonds will be offset by some increase in the value of debt securities that the employee benefit plan owns but will bring an increase in the defined benefit obligation. -Risk of inflation:Defined benefit obligations are related to inflation rate; the higher the inflation rate is, the higher the level of liabilities. Therefore, deficit occurs in the system if an inflation rate increases. The Group is exposed to various risks through defined benefit retirement pension plan, and the most significant risks are as follows: -Volatility of asset:The defined benefit obligation was estimated with an interest rate calculated based on blue chip corporate bonds earnings. A deficit may occur if the rate of return of plan assets falls short of the interest rate. -Decrease in profitability of blue chip bonds:A decrease in profitability of blue chip bonds will be offset by some increase in the value of debt securities that the employee benefit plan owns but will bring an increase in the defined benefit obligation. -Risk of inflation:Defined benefit obligations are related to inflation rate; the higher the inflation rate is, the higher the level of liabilities. Therefore, deficit occurs in the system if an inflation rate increases.  
Surplus deficit in plan [Abstract]      
Defined benefit obligation ₩ 1,175,786   ₩ 1,071,170
Fair value of plan assets (1,075,927)   (1,027,906)
Net defined benefit liability (asset) ₩ 99,859   ₩ 43,264
XML 213 R197.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net defined benefits liability_Changes in the carrying value of defined benefit obligation and the plan assets (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Disclosure of net defined benefit liability asset [Line Items]    
Beginning balance ₩ 43,264,000,000  
Changes in net defined benefit liability asset [Abstract]    
Current service cost (72,460,000,000) ₩ (73,564,000,000)
Interest expense(income) (829,000,000) (1,983,000,000)
Remeasurements [1] (81,462,000,000) (12,486,000,000)
Curtailment or settlement 0 (321,000,000)
Ending balance 99,859,000,000  
Present value of defined benefit obligation    
Disclosure of net defined benefit liability asset [Line Items]    
Beginning balance 1,071,170,000,000 984,381,000,000
Changes in net defined benefit liability asset [Abstract]    
Current service cost 72,460,000,000 73,564,000,000
Interest expense(income) 15,797,000,000 13,144,000,000
Remeasurements 72,374,000,000 4,639,000,000
Foreign currencies translation adjustments 8,000,000 (121,000,000)
Retirement benefit paid (57,109,000,000) (31,022,000,000)
Curtailment or settlement 0 (10,076,000,000)
Others 1,086,000,000 127,000,000
Ending balance 1,175,786,000,000 1,034,636,000,000
Fair value of plan assets    
Disclosure of net defined benefit liability asset [Line Items]    
Beginning balance 1,027,906,000,000 990,653,000,000
Changes in net defined benefit liability asset [Abstract]    
Interest expense(income) 16,626,000,000 15,127,000,000
Remeasurements (9,088,000,000) (7,847,000,000)
Employer’s contributions 96,273,000,000 18,000,000,000
Retirement benefit paid (55,790,000,000) (29,431,000,000)
Curtailment or settlement 0 (10,396,000,000)
Others 0 43,113,000,000
Ending balance ₩ 1,075,927,000,000 ₩ 1,019,219,000,000
[1] This is an amount before considering the tax effects.
XML 214 R198.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net defined benefits liability_Fair value of plan assets (Details) - KRW (₩)
₩ in Millions
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Disclosure of fair value of plan assets [Abstract]    
Return on plan assets, net defined benefit liability (asset) ₩ 7,538 ₩ 7,280
Estimate of contributions expected to be paid to plan ₩ 125,818  
XML 215 R199.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net defined benefits liability_Current service cost net interest expense income past service cost loss gain on the curtailment or settlement and loss gain due to remeasurements (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Postemployment benefit expense defined benefit plans [Abstract]    
Current service cost ₩ 72,460,000,000 ₩ 73,564,000,000
Net interest income (829,000,000) (1,983,000,000)
Gain (loss) on the curtailment or settlement 0 321,000,000
Cost recognized in net income 71,631,000,000 71,902,000,000
Remeasurements [1] 81,462,000,000 12,486,000,000
Cost recognized in total comprehensive income 153,093,000,000 84,388,000,000
Retirement benefit service costs defined contribution plans ₩ 1,304,000,000 ₩ 2,155,000,000
[1] This is an amount before considering the tax effects.
XML 216 R200.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net defined benefits liability_Key actuarial assumptions used in defined benefit liability assessment (Details)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of actuarial assumptions [Abstract]    
Discount rate 3.25% 3.18%
Future wage growth rate 6.18% 6.18%
Mortality rate Issued by Korea Insurance Development Institute Issued by Korea Insurance Development Institute
Retirement rate Experience rate for each employment classification Experience rate for each employment classification
Weighted average maturity of defined benefit liability 12.94  
XML 217 R201.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net defined benefits liability_Sensitivity to actuarial assumptions used in the assessment of defined benefit obligation (Details) - KRW (₩)
₩ in Millions
Jun. 30, 2018
Dec. 31, 2017
Discount rate | Increase by 1% point    
Disclosure of sensitivity analysis for actuarial assumptions [Line Items]    
Increase decrease in defined benefit obligation due to reasonably possible increase in actuarial assumption ₩ (124,157) ₩ (116,405)
Discount rate | Decrease by 1% point    
Disclosure of sensitivity analysis for actuarial assumptions [Line Items]    
Increase decrease in defined benefit obligation due to reasonably possible decrease in actuarial assumption 146,273 137,151
Future wage growth rate | Increase by 1% point    
Disclosure of sensitivity analysis for actuarial assumptions [Line Items]    
Increase decrease in defined benefit obligation due to reasonably possible increase in actuarial assumption 145,794 136,707
Future wage growth rate | Decrease by 1% point    
Disclosure of sensitivity analysis for actuarial assumptions [Line Items]    
Increase decrease in defined benefit obligation due to reasonably possible decrease in actuarial assumption ₩ (125,567) ₩ (117,765)
XML 218 R202.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other financial liabilities and other liabilities_Details of other financial liabilities and other liabilities (Details)
$ in Thousands, ₩ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities ₩ 21,408,267 $ 19,255,502 ₩ 13,892,461
Other liabilities 302,913 $ 272,453 283,981
Total of other financial liabilities and other liabilities 21,711,180   14,176,442
Present value discount      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities (2,396)   (1,597)
Account payables | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities 9,021,786   4,692,320
Accrued expenses | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities 1,809,499   2,049,861
Borrowings from trust accounts | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities 3,999,899   3,271,817
Agency business revenue | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities 258,497   344,591
Domestic exchange payables | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities 4,229,125   590,667
Foreign exchange payables | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities 604,344   1,309,646
Other miscellaneous financial liabilities | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Total of other financial liabilities 1,487,513   1,635,156
Unearned Income | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Other liabilities 178,799   180,664
Other miscellaneous liabilities | Gross carrying amount [Member]      
Other financial liabilities and other liabilities [Line Items]      
Other liabilities ₩ 124,114   ₩ 103,317
XML 219 R203.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives_Details of derivative assets and derivative liabilities (Details)
$ in Thousands
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount ₩ 299,701,576,000,000   ₩ 268,733,330,000,000
Derivative assets for hedging 12,395,000,000 $ 11,149 59,272,000,000
Derivative assets for trading 2,391,211,000,000   3,115,775,000,000
Derivative liabilities for hedging 67,505,000,000 $ 60,717 67,754,000,000
Derivative liabilities for trading 2,377,750,000,000   3,150,149,000,000
For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 12,395,000,000   59,272,000,000
Derivative liabilities for hedging 34,540,000,000   12,103,000,000
For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 32,965,000,000   55,651,000,000
For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 2,391,211,000,000   3,115,775,000,000
Derivative liabilities for trading 2,377,750,000,000   3,150,149,000,000
Interest rate futures      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 272,778,000,000   75,845,000,000
Interest rate futures | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Interest rate futures | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Interest rate futures | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0   0
Derivative liabilities for trading 0   0
Interest rate swap      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 143,307,983,000,000   130,197,378,000,000
Interest rate swap | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 12,395,000,000   59,272,000,000
Derivative liabilities for hedging 34,540,000,000   12,103,000,000
Interest rate swap | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Interest rate swap | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 218,551,000,000   223,935,000,000
Derivative liabilities for trading 232,719,000,000   253,972,000,000
Interest rate options | Long [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 660,000,000,000   630,000,000,000
Interest rate options | Long [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Interest rate options | Long [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Interest rate options | Long [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 10,897,000,000   12,346,000,000
Derivative liabilities for trading 0   0
Interest rate options | Short [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 785,000,000,000   795,000,000,000
Interest rate options | Short [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Interest rate options | Short [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Interest rate options | Short [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0   0
Derivative liabilities for trading 11,731,000,000   12,869,000,000
Currency futures      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 371,529,000,000   318,217,000,000
Currency futures | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Currency futures | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Currency futures | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0   0
Derivative liabilities for trading 0   0
Currency forward      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 80,082,126,000,000   72,526,956,000,000
Currency forward | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Currency forward | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Currency forward | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 1,200,200,000,000   1,314,368,000,000
Derivative liabilities for trading 1,164,623,000,000   1,375,799,000,000
Currency swap      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 56,427,354,000,000   48,176,306,000,000
Currency swap | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Currency swap | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 32,965,000,000   55,651,000,000
Currency swap | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 806,790,000,000   1,352,924,000,000
Derivative liabilities for trading 750,377,000,000   1,347,905,000,000
Currency option | Long [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 2,635,551,000,000   2,291,154,000,000
Currency option | Long [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Currency option | Long [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Currency option | Long [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 36,079,000,000   64,267,000,000
Derivative liabilities for trading 0   0
Currency option | Short [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 4,651,496,000,000   4,038,237,000,000
Currency option | Short [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Currency option | Short [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Currency option | Short [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0   0
Derivative liabilities for trading 49,352,000,000   58,687,000,000
Equity futures      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 124,009,000,000   91,436,000,000
Equity futures | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Equity futures | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Equity futures | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0   0
Derivative liabilities for trading 0   0
Equity swap      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 435,790,000,000   15,000,000,000
Equity swap | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Equity swap | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Equity swap | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 3,021,000,000   103,000,000
Derivative liabilities for trading 4,542,000,000   10,000,000
Equity option | Long [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 4,272,150,000,000   5,060,706,000,000
Equity option | Long [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Equity option | Long [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Equity option | Long [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 115,210,000,000   146,775,000,000
Derivative liabilities for trading 0   0
Equity option | Short [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 5,661,146,000,000   4,504,290,000,000
Equity option | Short [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Equity option | Short [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Equity option | Short [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0   0
Derivative liabilities for trading 163,966,000,000   99,770,000,000
Other futures      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 965,000,000   0
Other futures | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Other futures | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Other futures | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0   0
Derivative liabilities for trading 0   0
Other forward      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 5,618,000,000    
Other forward | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0    
Derivative liabilities for hedging 0    
Other forward | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0    
Other forward | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 0    
Derivative liabilities for trading 0    
Other swap      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount 8,081,000,000   7,805,000,000
Other swap | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging 0   0
Derivative liabilities for hedging 0   0
Other swap | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging 0   0
Other swap | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading 463,000,000   1,057,000,000
Derivative liabilities for trading ₩ 440,000,000   1,037,000,000
Other option | Long [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount     0
Other option | Long [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging     0
Derivative liabilities for hedging     0
Other option | Long [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging     0
Other option | Long [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading     0
Derivative liabilities for trading     0
Other option | Short [Member]      
Disclosure of detailed information about hedging instruments [Line Items]      
Nominal amount     5,000,000,000
Other option | Short [Member] | For fair value hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for hedging     0
Derivative liabilities for hedging     0
Other option | Short [Member] | For cash flow hedging      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative liabilities for hedging     0
Other option | Short [Member] | For trading      
Disclosure of detailed information about hedging instruments [Line Items]      
Derivative assets for trading     0
Derivative liabilities for trading     ₩ 100,000,000
XML 220 R204.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives_Overview of the Group's hedge accounting (Details)
6 Months Ended
Jun. 30, 2018
Fair value hedges [Member]  
Disclosure of detailed information about hedges [Line Items]  
Description of type of hedge As of the current period end, the Group has applied fair value hedge on fixed interest rate foreign currency denominated debentures amounting to 3,150,145 million Won. The purpose of the hedging is to avoid fair value volatility risk of fixed interest rate foreign currency denominated debentures derived from fluctuations of market interest rate, and as such the Group entered into interest rate swap agreements designated as hedging instruments.
Description of financial instruments designated as hedging instruments The Group entered into interest rate swap agreements to manage its exposure to interest rate risk and designated as hedging instruments. Pursuant to the interest rate swap agreement, hedge ratio is determined by matching the nominal value to the face value of the hedging instrument. The fair value of the interest rate swap at the end of the reporting period is determined by discounting future cash flows estimated using the yield curve at the end of the reporting period and the credit risk embedded in the contract and the average interest rate is determined based on the outstanding balance at the end of the reporting period. The variable interest rate applied to the interest rate swap is USD Libor 3M (6M) plus spread. In accordance with the terms of each interest rate swap contract designated as a hedging instrument, the Group receives interest at a fixed interest rate and pays interest at a variable interest rate. The interest rate swap agreements and the hedged items are subject to fluctuations in the underlying market rate of interest and the Group expects the value of the interest rate swap contract and the value of the hedged item to generally change in the opposite direction.
Description of nature of risks being hedged In this hedging relationship, only the market interest rate fluctuation, which is the most significant part of the fair value change of the hedged item, is designated as the hedged risk, and other risk factors including credit risk are not included in the hedged risk. Therefore, the ineffective portion of the hedge could arise from fluctuations in the timing of the cash flow of the hedged item, the change in the total amount and price of the hedged item, or significant credit risk fluctuation of either party of the hedged item.
Cash flow hedges [Member]  
Disclosure of detailed information about hedges [Line Items]  
Description of type of hedge As of the current period end, the Group has applied Cash Flow hedge on foreign currency denominated bonds amounting to 724,487 million Won.
Description of financial instruments designated as hedging instruments The Group has designated foreign currency swap contracts as hedging instruments in order to achieve such objectives.
Description of nature of risks being hedged The Group’s objectives of hedging are to ① Mitigate risks of cash flow fluctuation from principal and interest of variable interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rate and market interest rate; and ② Mitigate the risks of cash flow fluctuation from principal and interest of fixed-interest rate debentures denominated in foreign currency, which arise from changes in foreign exchange rates.
XML 221 R205.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives_The nominal amounts and the average interest and currency rate of hedging instrument (Details)
6 Months Ended
Jun. 30, 2018
USD ($)
SGD ($)
For fair value hedging | Interest rate risk | Interest rate swaps  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 2,850,000,000
Description of average rate of interest rate risk hedging instrument Fixed 3.98% receipt and 3.96% floating paid
For fair value hedging | Interest rate risk | Interest rate swaps | Less than 1 year  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 500,000,000
For fair value hedging | Interest rate risk | Interest rate swaps | 1 to 5 years  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 1,350,000,000
For fair value hedging | Interest rate risk | Interest rate swaps | Over 5 years  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 1,000,000,000
For cash flow hedging | Foreign currencies translation risk and interest rate risk | Currency swap  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 500,000,000
Description of average rate of currency risk hedging instrument USD 2.65% receipt, KRW 1.71% paid, USD/KRW =1,173 Won
For cash flow hedging | Foreign currencies translation risk and interest rate risk | Currency swap | Less than 1 year  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 50,000,000
For cash flow hedging | Foreign currencies translation risk and interest rate risk | Currency swap | 1 to 5 years  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 450,000,000
For cash flow hedging | Foreign currencies translation risk and interest rate risk | Currency swap | Over 5 years  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 0
For cash flow hedging | Foreign currencies translation risk | Currency swap  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 204,000,000
Description of average rate of currency risk hedging instrument SGD 1.91% receipt, KRW 1.98% paid, SGD/KRW = 828 Won
For cash flow hedging | Foreign currencies translation risk | Currency swap | Less than 1 year  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 0
For cash flow hedging | Foreign currencies translation risk | Currency swap | 1 to 5 years  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 204,000,000
For cash flow hedging | Foreign currencies translation risk | Currency swap | Over 5 years  
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [Line Items]  
Nominal amount of hedging instrument 0
XML 222 R206.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives_Amounts related to items designated as hedging instruments (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
USD ($)
SGD ($)
For fair value hedging | Interest rate risk  
Disclosure of detailed information about hedging instruments [Line Items]  
Description of line item in statement of financial position that includes hedging instrument Derivative assets, Derivative liabilities
For fair value hedging | Interest rate risk | Interest rate swaps  
Disclosure of detailed information about hedging instruments [Line Items]  
Nominal amount of hedging instrument | $ 2,850,000,000
Hedging instrument, assets ₩ 12,395,000,000
Hedging instrument, liabilities 34,540,000,000
Gain (loss) on change in fair value of hedging instrument used as basis for recognising hedge ineffectiveness ₩ (62,246,000,000)
For cash flow hedging | Foreign currencies translation risk and interest rate risk  
Disclosure of detailed information about hedging instruments [Line Items]  
Description of line item in statement of financial position that includes hedging instrument Derivative liabilities
For cash flow hedging | Foreign currencies translation risk and interest rate risk | Currency swap  
Disclosure of detailed information about hedging instruments [Line Items]  
Nominal amount of hedging instrument | $ 500,000,000
Hedging instrument, assets ₩ 0
Hedging instrument, liabilities 27,594,000,000
Gain (loss) on change in fair value of hedging instrument used as basis for recognising hedge ineffectiveness ₩ 22,013,000,000
For cash flow hedging | Foreign currencies translation risk  
Disclosure of detailed information about hedging instruments [Line Items]  
Description of line item in statement of financial position that includes hedging instrument Derivative liabilities
For cash flow hedging | Foreign currencies translation risk | Currency swap  
Disclosure of detailed information about hedging instruments [Line Items]  
Nominal amount of hedging instrument | $ 204,000,000
Hedging instrument, assets ₩ 0
Hedging instrument, liabilities 5,372,000,000
Gain (loss) on change in fair value of hedging instrument used as basis for recognising hedge ineffectiveness ₩ 672,000,000
XML 223 R207.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives_Carrying amounts of hedged item and amount of hedge adjustments due to hedge accounting (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
For fair value hedging | Interest rate risk  
Disclosure of detailed information about hedged items [Line Items]  
Hedged item, assets ₩ 0
Hedged item, liabilities 3,150,145,000,000
Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets 0
Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities ₩ 60,732,000,000
Line item in the statement of financial position in which the hedged item is included Debentures
Changing in fair value used for calculating hedge ineffectiveness ₩ 66,455,000,000
Reserve of cash flow hedges, hedging relationships for which hedge accounting is no longer applied 0
For cash flow hedging | Foreign currencies translation risk and interest rate risk  
Disclosure of detailed information about hedged items [Line Items]  
Hedged item, assets 0
Hedged item, liabilities 558,258,000,000
Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets 0
Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities ₩ 0
Line item in the statement of financial position in which the hedged item is included Debentures
Changing in fair value used for calculating hedge ineffectiveness ₩ (21,725,000,000)
Reserve of cash flow hedges, hedging relationships for which hedge accounting is no longer applied (1,665,000,000) [1]
For cash flow hedging | Foreign currencies translation risk  
Disclosure of detailed information about hedged items [Line Items]  
Hedged item, assets 0
Hedged item, liabilities 166,229,000,000
Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets 0
Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities ₩ 0
Line item in the statement of financial position in which the hedged item is included Debentures
Changing in fair value used for calculating hedge ineffectiveness ₩ (505,000,000)
Reserve of cash flow hedges, hedging relationships for which hedge accounting is no longer applied ₩ (3,770,000,000) [1]
[1] Amount after tax deduction
XML 224 R208.htm IDEA: XBRL DOCUMENT v3.10.0.1
Derivatives_Amounts recognized in profit or loss due to the ineffective portion of fair value hedge (Details)
6 Months Ended
Jun. 30, 2018
KRW (₩)
For fair value hedging | Interest rate risk  
Disclosure of information about amounts that affected statement of comprehensive income as result of hedge accounting [Line Items]  
Changes in the value of hedging instruments recognized in cash flow hedge reserve ₩ 0
Hedge ineffectiveness recognized in profit or loss ₩ 4,209,000,000
Line item in the profit or loss that includes hedge ineffectiveness Other net operating income
Amounts reclassified from cash flow hedge reserve to profit or loss ₩ 0
For cash flow hedging | Foreign currencies translation risk and interest rate risk  
Disclosure of information about amounts that affected statement of comprehensive income as result of hedge accounting [Line Items]  
Changes in the value of hedging instruments recognized in cash flow hedge reserve 22,043,000,000
Hedge ineffectiveness recognized in profit or loss ₩ (30,000,000)
Line item in the profit or loss that includes hedge ineffectiveness Other net operating expense
Amounts reclassified from cash flow hedge reserve to profit or loss ₩ 25,049,000,000
Line item affected in profit or loss because of the reclassification Other net operating income
For cash flow hedging | Foreign currencies translation risk  
Disclosure of information about amounts that affected statement of comprehensive income as result of hedge accounting [Line Items]  
Changes in the value of hedging instruments recognized in cash flow hedge reserve ₩ 672,000,000
Hedge ineffectiveness recognized in profit or loss ₩ 0
Line item in the profit or loss that includes hedge ineffectiveness Other net operating income
Amounts reclassified from cash flow hedge reserve to profit or loss ₩ 3,894,000,000
Line item affected in profit or loss because of the reclassification Other net operating income
XML 225 R209.htm IDEA: XBRL DOCUMENT v3.10.0.1
Deferred day 1 profits or losses_Changes of deferred day 1 profits or losses (Details) - KRW (₩)
₩ in Millions
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Reconciliation of aggregate difference between fair value at initial recognition and amount determined using valuation technique yet to be recognised [Abstract]    
Beginning balance ₩ 7,416 ₩ 13,422
Changes in aggregate difference between fair value at initial recognition and amount determined using valuation technique yet to be recognised [Abstract]    
New transactions 20,820 500
Amounts recognized in losses (3,000) (3,613)
Ending balance ₩ 25,236 ₩ 10,309
Description of accounting policy for recognising difference between fair value at initial recognition and amount determined using valuation technique In case some variables to measure fair values of financial instruments are not observable or available in the market, valuation techniques are utilized to evaluate such financial instruments. Those financial instruments are recorded at the fair value produced by the valuation techniques as at the time of acquisition, even though there are difference noted between the transaction price and the fair value. The table above presents the difference yet to be realized as profit or losses. In case some variables to measure fair values of financial instruments are not observable or available in the market, valuation techniques are utilized to evaluate such financial instruments. Those financial instruments are recorded at the fair value produced by the valuation techniques as at the time of acquisition, even though there are difference noted between the transaction price and the fair value. The table above presents the difference yet to be realized as profit or losses.
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Capital stock and capital surplus_Details of share capital (Details)
₩ / shares in Units, $ in Thousands, ₩ in Millions
6 Months Ended
Jun. 30, 2018
KRW (₩)
₩ / shares
shares
Jun. 30, 2017
Jun. 30, 2018
USD ($)
shares
Dec. 31, 2017
KRW (₩)
₩ / shares
shares
Disclosure of classes of share capital [Line Items]        
Shares of common stock authorized 5,000,000,000   5,000,000,000 5,000,000,000
Par value | ₩ / shares ₩ 5,000     ₩ 5,000
Shares of common stock issued 676,000,000   676,000,000 676,000,000
Capital stock ₩ 3,381,392   $ 3,041,367 ₩ 3,381,392
Description Of changes in numbers of issued shares of common stock There is no change to be disclosed in numbers of issued and outstanding shares of common stock for the six months ended June, 2018 and 2017. There is no change to be disclosed in numbers of issued and outstanding shares of common stock for the six months ended June, 2018 and 2017.    
XML 227 R211.htm IDEA: XBRL DOCUMENT v3.10.0.1
Capital stock and capital surplus_Details of capital surplus (Details)
$ in Thousands, ₩ in Millions
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Miscellaneous equity [Abstract]      
Capital in excess of par value ₩ 269,533   ₩ 269,533
Other capital surplus 16,352   16,347
Total ₩ 285,885 $ 257,137 ₩ 285,880
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Hybrid securities_Details of hybrid securities classified as owners equity (Details)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2018
USD ($)
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Hybrid securities ₩ 2,763,256,000,000 ₩ 3,017,888,000,000 $ 2,485,389
Description of nature of bond type hybrid securities of other equity interest classified as owners equity The hybrid securities mentioned above are either without a maturity date or its maturity can be extended indefinitely at the maturity date without change of terms. Further, if a resolution is passed not to pay dividends on common stock, interest payments on the hybrid securities may be not occur The hybrid securities mentioned above are either without a maturity date or its maturity can be extended indefinitely at the maturity date without change of terms. Further, if a resolution is passed not to pay dividends on common stock, interest payments on the hybrid securities may be not occur  
Hybrid securities of other equity interest in local currency issued in 200801      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date   Jun. 20, 2008  
Maturity   Jun. 20, 2038  
Interest rate (%)   7.70%  
Hybrid securities ₩ 0 ₩ 255,000,000,000  
Hybrid securities of other equity interest in local currency issued in 201301      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date Apr. 25, 2013 Apr. 25, 2013  
Maturity Apr. 25, 2043 Apr. 25, 2043  
Interest rate (%) 4.40% 4.40%  
Hybrid securities ₩ 500,000,000,000 ₩ 500,000,000,000  
Hybrid securities of other equity interest in local currency issued in 201302      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date Nov. 13, 2013 Nov. 13, 2013  
Maturity Nov. 13, 2043 Nov. 13, 2043  
Interest rate (%) 5.70% 5.70%  
Hybrid securities ₩ 200,000,000,000 ₩ 200,000,000,000  
Hybrid securities of other equity interest in local currency issued in 201401      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date Dec. 12, 2014 Dec. 12, 2014  
Maturity Dec. 12, 2044 Dec. 12, 2044  
Interest rate (%) 5.20% 5.20%  
Hybrid securities ₩ 160,000,000,000 ₩ 160,000,000,000  
Hybrid securities of other equity interest in local currency issued in 201501      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date Jun. 03, 2015 Jun. 03, 2015  
Maturity Jun. 03, 2045 Jun. 03, 2045  
Interest rate (%) 4.40% 4.40%  
Hybrid securities ₩ 240,000,000,000 ₩ 240,000,000,000  
Hybrid securities of other equity interest in foreign currency issued in 201501      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date Jun. 10, 2015 Jun. 10, 2015  
Maturity Jun. 10, 2045 Jun. 10, 2045  
Interest rate (%) 5.00% 5.00%  
Hybrid securities ₩ 559,650,000,000 ₩ 559,650,000,000  
Hybrid securities of other equity interest in foreign currency issued in 201601      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date Sep. 27, 2016 Sep. 27, 2016  
Interest rate (%) 4.50% 4.50%  
Hybrid securities ₩ 553,450,000,000 ₩ 553,450,000,000  
Hybrid securities of other equity interest in foreign currency issued in 201701      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Issue date May 16, 2017 May 16, 2017  
Interest rate (%) 5.30% 5.30%  
Hybrid securities ₩ 562,700,000,000 ₩ 562,700,000,000  
Issuance cost      
Disclosure of bond type hybrid securities of other equity interest classified as owner’ s equity [Line Items]      
Hybrid securities ₩ (12,544,000,000) ₩ (12,912,000,000)  
XML 229 R213.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other equity_Details of other equity (Details)
$ in Thousands
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Dec. 31, 2017
KRW (₩)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2016
KRW (₩)
Accumulated other comprehensive income [Abstract]          
Net gain or loss on valuation of financial assets at FVTOCI ₩ (46,746,000,000)   ₩ 0    
Gain on valuation of AFS financial assets 0   301,930,000,000    
Gain(loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk 29,000,000   0    
Share of other comprehensive loss of joint ventures and associates (1,446,000,000)   (1,251,000,000)    
Loss on foreign currencies translation of foreign operations (206,037,000,000)   (242,700,000,000)    
Remeasurement loss related to defined benefit plan (211,838,000,000)   (152,624,000,000)    
Gain(loss) on valuation of cash flow hedges (5,436,000,000)   777,000,000    
Equity related to non-current assets held for sale (564,000,000)   4,145,000,000    
Sub-total (472,038,000,000)   (89,723,000,000) ₩ 70,750,000,000 ₩ 173,368,000,000
Treasury shares (34,113,000,000)   (34,113,000,000)    
Other capital adjustments (1,607,647,000,000)   (1,815,438,000,000)    
Total ₩ (2,113,798,000,000) $ (1,901,239) ₩ (1,939,274,000,000)    
XML 230 R214.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other equity_Changes in the accumulated other comprehensive loss (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] ₩ (481,900,000,000)  
Beginning balance (89,723,000,000) ₩ 173,368,000,000
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation 20,229,000,000 (47,643,000,000)
Reclassification (4,839,000,000) (81,114,000,000)
Income tax effect (5,528,000,000) 26,139,000,000
Ending balance ₩ (472,038,000,000) 70,750,000,000
Explanation of transfers of cumulative gain or loss within equity of investments in equity designated as measured at fair value through other comprehensive income Net gain or loss on valuation of financial assets at FVTOCI included the 1,500 million Won transfer to retained earnings due to disposal of equity securities.  
Gain (loss) on valuation of available-for-sale financial assets    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance   386,981,000,000
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation [2]   46,479,000,000
Reclassification [2]   (81,114,000,000)
Income tax effect   5,602,000,000
Ending balance   357,948,000,000
Net gain or loss on valuation of financial assets at FVTOCI    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] ₩ (88,906,000,000)  
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation [3] 58,846,000,000  
Reclassification (694,000,000)  
Income tax effect (15,992,000,000)  
Ending balance (46,746,000,000)  
Gain (loss) on financial liabilities at fair value through profit or loss designated as upon initial recognition due to own credit risk    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] (96,000,000)  
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation 172,000,000  
Reclassification 0  
Income tax effect (47,000,000)  
Ending balance 29,000,000  
Share of other comprehensive income (loss) of joint ventures and associates    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] (2,656,000,000)  
Beginning balance   (1,863,000,000)
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation 1,669,000,000 2,038,000,000
Reclassification 0 0
Income tax effect (459,000,000) (531,000,000)
Ending balance (1,446,000,000) (356,000,000)
Gain (loss) on foreign currency translation of foreign operations    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] (242,806,000,000)  
Beginning balance   (48,353,000,000)
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation 50,717,000,000 (81,571,000,000)
Reclassification 0 0
Income tax effect (13,948,000,000) 17,627,000,000
Ending balance (206,037,000,000) (112,297,000,000)
Remeasurement gain (loss) related to defined benefit plan    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] (152,358,000,000)  
Beginning balance   (163,397,000,000)
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation (82,041,000,000) (12,642,000,000)
Reclassification 0 0
Income tax effect 22,561,000,000 3,020,000,000
Ending balance (211,838,000,000) (173,019,000,000)
Gain (loss) on valuation of cash flow hedges    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] 777,000,000  
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation (8,570,000,000) (1,947,000,000)
Reclassification 0 0
Income tax effect 2,357,000,000 421,000,000
Ending balance (5,436,000,000) (1,526,000,000)
Transfer to non-current assets held for sale    
Disclosure of analysis of other comprehensive income by item [Line Items]    
Beginning balance [1] 4,145,000,000  
Beginning balance   ₩ 0
Changes in accumulated other comprehensive income [Abstract]    
Increase (decrease) on valuation (564,000,000)  
Reclassification (4,145,000,000)  
Income tax effect 0  
Ending balance ₩ (564,000,000)  
[1] The beginning balance was restated in accordance with IFRS 9.
[2] For the change in gain (loss) on valuation of AFS financial assets, “increase (decrease)” represents change due to the valuation during the period, and “reclassification adjustments” represents disposal or recognition of impairment losses on AFS financial assets.
[3] Net gain or loss on valuation of financial assets at FVTOCI included the 1,500 million Won transfer to retained earnings due to disposal of equity securities.
XML 231 R215.htm IDEA: XBRL DOCUMENT v3.10.0.1
Retained earnings_Details of retained earnings (Details)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Dec. 31, 2017
KRW (₩)
Disclosure of changes in retained earnings [Line Items]            
Beginning balance [1]     ₩ 15,797,097,000,000      
Beginning balance     15,620,006,000,000   ₩ 14,611,566,000,000 ₩ 14,611,566,000,000
Changes in retained earnings [Abstract]            
Net income attributable to owners ₩ 716,142,000,000 ₩ 460,888,000,000 1,305,878,000,000 $ 1,174,562 1,098,361,000,000  
Dividends on common stock     (336,636,000,000)   (269,308,000,000) (336,636,000,000)
Dividends on hybrid securities     (75,603,000,000)   (90,823,000,000)  
Loss on disposal of equity securities at FVTOCI (424,000,000)   (424,000,000)     0
Derecognition of the credit risk on financial liabilities designated at FVTPL     5,000,000     0
Capital adjustments due to appropriation of retained earnings     (216,864,000,000)     0
Ending balance 16,473,453,000,000 ₩ 15,349,796,000,000 16,473,453,000,000 $ 14,816,921 ₩ 15,349,796,000,000 15,620,006,000,000
Legal Reserve Sub-total 1,904,138,000,000   1,904,138,000,000     1,775,422,000,000
Voluntary reserve Sub-total 11,297,521,000,000   11,297,521,000,000     10,864,061,000,000
Conversion of loss on disposal of equity securities at FVTOCI to retained earnings (424,000,000)   (424,000,000)      
Derecognition of the credit risk on financial liabilities designated at FVTPL 5,000,000   5,000,000      
Retained earnings before appropriation 3,272,213,000,000   3,272,213,000,000     2,980,523,000,000
Earned surplus reserve            
Changes in retained earnings [Abstract]            
Legal Reserve Sub-total 1,857,754,000,000   ₩ 1,857,754,000,000     ₩ 1,729,754,000,000
Description of nature and purpose of legal reserves within equity     In accordance with the Banking Act, earned surplus reserve is appropriated at least one tenth of the earnings after tax on every dividend declaration, not exceeding the paid in capital. This reserve may not be used other than for offsetting a deficit or transferring to capital. In accordance with the Banking Act, earned surplus reserve is appropriated at least one tenth of the earnings after tax on every dividend declaration, not exceeding the paid in capital. This reserve may not be used other than for offsetting a deficit or transferring to capital.   In accordance with the Banking Act, earned surplus reserve is appropriated at least one tenth of the earnings after tax on every dividend declaration, not exceeding the paid in capital. This reserve may not be used other than for offsetting a deficit or transferring to capital.
Other legal reserve            
Changes in retained earnings [Abstract]            
Legal Reserve Sub-total 46,384,000,000   ₩ 46,384,000,000     ₩ 45,668,000,000
Description of nature and purpose of legal reserves within equity     Other legal reserves were appropriated in the branches located in Japan, Vietnam and Bangladesh according to the banking laws of Japan, Vietnam and Bangladesh, and may be used to offset any deficit incurred in those branches. Other legal reserves were appropriated in the branches located in Japan, Vietnam and Bangladesh according to the banking laws of Japan, Vietnam and Bangladesh, and may be used to offset any deficit incurred in those branches.   Other legal reserves were appropriated in the branches located in Japan, Vietnam and Bangladesh according to the banking laws of Japan, Vietnam and Bangladesh, and may be used to offset any deficit incurred in those branches.
Business rationalization reserve            
Changes in retained earnings [Abstract]            
Voluntary reserve Sub-total 8,000,000,000   ₩ 8,000,000,000     ₩ 8,000,000,000
Description of nature and purpose of voluntary reserves within equity     Pursuant to the Restriction of Special Taxation Act, the Group was previously required to appropriate, as a reserve for business rationalization, amounts equal to tax reductions arising from tax exemptions and tax credits up to December 31, 2001. The requirement was no longer effective from 2002. Pursuant to the Restriction of Special Taxation Act, the Group was previously required to appropriate, as a reserve for business rationalization, amounts equal to tax reductions arising from tax exemptions and tax credits up to December 31, 2001. The requirement was no longer effective from 2002.   Pursuant to the Restriction of Special Taxation Act, the Group was previously required to appropriate, as a reserve for business rationalization, amounts equal to tax reductions arising from tax exemptions and tax credits up to December 31, 2001. The requirement was no longer effective from 2002.
Reserve for financial structure improvement            
Changes in retained earnings [Abstract]            
Voluntary reserve Sub-total 235,400,000,000   ₩ 235,400,000,000     ₩ 235,400,000,000
Description of nature and purpose of voluntary reserves within equity     From 2002 to 2014, the Finance Supervisory Services recommended banks in Korea to appropriate at least 10 percent of net income after accumulated deficit for financial structure improvement, until tangible common equity ratio equals 5.5 percent. But this reserve is not available for payment of cash dividends; however, it can be used to reduce a deficit or be transferred to capital. The reserve and appropriation are an Autonomous judgment matter of the Group since 2015. From 2002 to 2014, the Finance Supervisory Services recommended banks in Korea to appropriate at least 10 percent of net income after accumulated deficit for financial structure improvement, until tangible common equity ratio equals 5.5 percent. But this reserve is not available for payment of cash dividends; however, it can be used to reduce a deficit or be transferred to capital. The reserve and appropriation are an Autonomous judgment matter of the Group since 2015.   From 2002 to 2014, the Finance Supervisory Services recommended banks in Korea to appropriate at least 10 percent of net income after accumulated deficit for financial structure improvement, until tangible common equity ratio equals 5.5 percent. But this reserve is not available for payment of cash dividends; however, it can be used to reduce a deficit or be transferred to capital. The reserve and appropriation are an Autonomous judgment matter of the Group since 2015.
Additional reserve            
Changes in retained earnings [Abstract]            
Voluntary reserve Sub-total 7,759,804,000,000   ₩ 7,759,804,000,000     ₩ 7,418,806,000,000
Description of nature and purpose of voluntary reserves within equity     Additional reserve was appropriated for capital adequacy and other management purpose. Additional reserve was appropriated for capital adequacy and other management purpose.   Additional reserve was appropriated for capital adequacy and other management purpose.
Regulatory reserve for credit loss            
Changes in retained earnings [Abstract]            
Voluntary reserve Sub-total 2,578,457,000,000   ₩ 2,578,457,000,000     ₩ 2,438,191,000,000
Description of nature and purpose of voluntary reserves within equity     In accordance with Article 29 of the Regulation on Supervision of Banking Business (“RSBB”), if provisions for credit loss under IFRS for the accounting purpose are lower than provisions under RSBB, the Group discloses such short fall amount as regulatory reserve for credit loss. In accordance with Article 29 of the Regulation on Supervision of Banking Business (“RSBB”), if provisions for credit loss under IFRS for the accounting purpose are lower than provisions under RSBB, the Group discloses such short fall amount as regulatory reserve for credit loss.   In accordance with Article 29 of the Regulation on Supervision of Banking Business (“RSBB”), if provisions for credit loss under IFRS for the accounting purpose are lower than provisions under RSBB, the Group discloses such short fall amount as regulatory reserve for credit loss.
Revaluation reserve            
Changes in retained earnings [Abstract]            
Voluntary reserve Sub-total 715,860,000,000   ₩ 715,860,000,000     ₩ 751,964,000,000
Description of nature and purpose of voluntary reserves within equity     Revaluation reserve is the amount of limited dividends set by the board of directors to be the recognized as complementary capital when the gain or loss occurred in the property revaluation by adopting IFRS. Revaluation reserve is the amount of limited dividends set by the board of directors to be the recognized as complementary capital when the gain or loss occurred in the property revaluation by adopting IFRS.   Revaluation reserve is the amount of limited dividends set by the board of directors to be the recognized as complementary capital when the gain or loss occurred in the property revaluation by adopting IFRS.
Other voluntary reserve            
Changes in retained earnings [Abstract]            
Voluntary reserve Sub-total ₩ 0   ₩ 0     ₩ 11,700,000,000
[1] The beginning balance was restated in accordance with IFRS 9.
XML 232 R216.htm IDEA: XBRL DOCUMENT v3.10.0.1
Dividends_Details of dividend approved and paid (Details)
₩ / shares in Units, ₩ in Millions
6 Months Ended
Jun. 30, 2018
KRW (₩)
₩ / shares
[1]
Dividends [Abstract]  
Dividend paid | ₩ ₩ 336,636
Dividend paid per share | ₩ / shares ₩ 500
[1] At the shareholders’ meeting on March 23, 2018, dividend payment for the year ended December 31, 2017 amounting to 336,636 million Won (500 Won per share) was approved and paid for the six months ended June 30, 2018
XML 233 R217.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net interest income_Details of interest income (Details)
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Disclosure of interest income operating [Abstract]          
Financial assets at FVTPL (IFRS 9) ₩ 13,367,000,000 [1] ₩ 0 ₩ 28,537,000,000 [1] $ 25,667,000 [1] ₩ 0
Financial assets at FVTPL (IAS 39) 0 13,074,000,000 0 0 26,806,000,000
Financial assets at FVTOCI 62,170,000,000 [1] 0 119,446,000,000 [1] 107,435,000 [1] 0
AFS financial assets 0 67,667,000,000 0 0 144,067,000,000
Securities at amortized cost 87,587,000,000 0 168,789,000,000   0
HTM financial assets 0 74,690,000,000 0 0 149,673,000,000
Financial assets at amortized cost:          
Interest on due from banks 28,323,000,000 0 61,461,000,000   0
Interest on loans 2,170,291,000,000 0 4,251,497,000,000   0
Interest of other receivables 6,931,000,000 0 13,686,000,000   0
Sub-total 2,205,545,000,000 0 4,326,644,000,000   0
Loans and receivables          
Interest on due from banks 0 20,182,000,000 0   41,403,000,000
Interest on loans 0 1,921,359,000,000 0   3,810,008,000,000
Interest of other receivables 0 8,836,000,000 0   17,627,000,000
Sub-total 0 1,950,377,000,000 0 0 3,869,038,000,000
Total ₩ 2,368,669,000,000 ₩ 2,105,808,000,000 ₩ 4,643,416,000,000 $ 4,176,485,000 ₩ 4,189,584,000,000
[1] The consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
XML 234 R218.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net interest income_Details of interest expense (Details)
$ in Thousands, ₩ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Interest expense [Abstract]          
Interest on deposits due to customers ₩ 704,007 ₩ 586,051 ₩ 1,358,964   ₩ 1,174,384
Interest on borrowings 70,519 57,666 129,929   115,548
Interest on debentures 174,890 154,445 346,948   305,804
Interest expense on others 21,930 20,070 43,101   43,528
Total ₩ 971,346 ₩ 818,232 ₩ 1,878,942 $ 1,690,000 ₩ 1,639,264
XML 235 R219.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net fees and commissions income_Details of fees and commissions income recognized (Details)
$ in Thousands, ₩ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Fee and commission income [Abstract]          
Fees and commissions received [1] ₩ 169,171 ₩ 163,688 ₩ 346,925   ₩ 336,322
Fees and commissions received for provision of guarantee 14,660 15,911 30,263   31,700
Fees and commissions received on project financing 10,528 4,614 16,945   6,334
Fees and commissions received on credit card 283,407 268,887 556,984   527,566
Fees and commissions received on securities 23,767 19,757 50,238   40,267
Other fees and commissions received 53,867 33,424 111,651   71,704
Total ₩ 555,400 ₩ 506,281 ₩ 1,113,006 $ 1,001,084 ₩ 1,013,893
Disclosure of composition of banking fees explanatory [1] Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others. Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others.
[1] Fees and commissions received include fees income from agency commission, fees income from electronic finance, fees income related to loan, fees for import letter of credit dealing, commission received on foreign exchange and others.
XML 236 R220.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net fees and commissions income_Details of fees and commissions expense incurred (Details)
$ in Thousands, ₩ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Fee and commission expense [Abstract]          
Fees and commissions paid ₩ 41,532 ₩ 41,930 ₩ 80,866   ₩ 73,167
Credit card commissions 213,887 200,275 425,204   400,349
Brokerage commissions 934 121 1,268   348
Others 1,700 1,207 3,013   2,329
Total ₩ 258,053 ₩ 243,533 ₩ 510,351 $ 459,031 ₩ 476,193
XML 237 R221.htm IDEA: XBRL DOCUMENT v3.10.0.1
Dividend income_Details of dividend income (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Disclosure Of Revenue From Dividends [Abstract]          
Dividend from financial assets at FVTPL (IFRS 9) ₩ 12,210,000,000 ₩ 0 ₩ 31,860,000,000   ₩ 0
Dividend from financial assets at FVTPL (IAS 39) 0 47,000,000 0   190,000,000
Dividend from financial assets FVTOCI 1,941,000,000 0 17,844,000,000   0
Dividend from AFS financial assets 0 19,570,000,000 0   59,255,000,000
Total ₩ 14,151,000,000 ₩ 19,617,000,000 ₩ 49,704,000,000 $ 44,706 ₩ 59,445,000,000
XML 238 R222.htm IDEA: XBRL DOCUMENT v3.10.0.1
Dividend income_Details of dividends related to financial assets at FVTOCI (Details)
₩ in Millions
6 Months Ended
Jun. 30, 2018
KRW (₩)
Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [Abstract]  
Dividend income recognized from assets held equity securities ₩ 17,570
Dividend income recognized in assets derecognized 274
Total ₩ 17,844
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Net gain or loss on financial instruments at fair value through profit or loss mandatorily measured at fair value (IFRS 9 And IAS 39)_Details of gains or losses related to net gain or loss on financial instruments at FVTPL (Details)
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Disclosure of gains (losses) on financial instruments at fair value through profit or loss [Abstract]          
Gains (losses) on financial assets at fair value through profit or loss mandatorily measured at fair value ₩ 70,116,000,000 ₩ 0 ₩ 114,146,000,000   ₩ 0
Gains (losses) on financial assets held for trading 0 36,266,000,000 0   (60,186,000,000)
Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) (2,423,000,000) 0 2,877,000,000   0
Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39) 0 (24,200,000,000) 0   (86,223,000,000)
Total 67,693,000,000 [1] 0 117,023,000,000 [1] $ 105,255,000 [1] 0
Total ₩ 0 ₩ 12,066,000,000 ₩ 0 $ 0 ₩ (146,409,000,000)
[1] The consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
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Net gain or loss on financial instruments at fair value through profit or loss mandatorily measured at fair value (IFRS 9 And IAS 39)_Details of net gain or loss on financial instrument at fair value through profit or loss mandatorily measured at fair value and financial assets held for trading (Details) - KRW (₩)
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Jun. 30, 2018
Jun. 30, 2017
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) ₩ 70,116,000,000 ₩ 0 ₩ 114,146,000,000 ₩ 0
Net gains and losses on financial assets held for trading (Total) 0 36,266,000,000 0 (60,186,000,000)
Financial assets at FVTPL (financial assets held for trading)        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 36,735,000,000   74,425,000,000  
Net gains and losses on financial assets held for trading (Total)   1,025,000,000   7,367,000,000
Securities        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 36,429,000,000   71,263,000,000  
Net gains and losses on financial assets held for trading (Total)   898,000,000   7,187,000,000
Securities | Gain on valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 36,982,000,000   81,861,000,000  
Net gains and losses on financial assets held for trading (Total)   1,055,000,000   5,895,000,000
Securities | Gain on disposals        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 18,885,000,000   22,377,000,000  
Net gains and losses on financial assets held for trading (Total)   3,936,000,000   9,860,000,000
Securities | Loss on valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (11,957,000,000)   (23,795,000,000)  
Net gains and losses on financial assets held for trading (Total)   (2,785,000,000)   (6,511,000,000)
Securities | Loss on disposals        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (7,481,000,000)   (9,180,000,000)  
Net gains and losses on financial assets held for trading (Total)   (1,308,000,000)   (2,057,000,000)
Loans        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 266,000,000   3,064,000,000  
Net gains and losses on financial assets held for trading (Total)   0   0
Loans | Gain on valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 373,000,000   3,191,000,000  
Net gains and losses on financial assets held for trading (Total)   0   0
Loans | Loss on valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (107,000,000)   (127,000,000)  
Net gains and losses on financial assets held for trading (Total)   0   0
Other financial assets        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 40,000,000   98,000,000  
Net gains and losses on financial assets held for trading (Total)   127,000,000   180,000,000
Other financial assets | Gain on valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 228,000,000   1,969,000,000  
Net gains and losses on financial assets held for trading (Total)   1,495,000,000   3,071,000,000
Other financial assets | Gain on disposals        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 143,000,000   405,000,000  
Net gains and losses on financial assets held for trading (Total)   814,000,000   933,000,000
Other financial assets | Loss on valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (320,000,000)   (2,193,000,000)  
Net gains and losses on financial assets held for trading (Total)   (1,971,000,000)   (3,590,000,000)
Other financial assets | Loss on disposals        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (11,000,000)   (83,000,000)  
Net gains and losses on financial assets held for trading (Total)   (211,000,000)   (234,000,000)
Derivatives (for trading)        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 33,381,000,000   39,721,000,000  
Net gains and losses on financial assets held for trading (Total)   35,241,000,000   (67,553,000,000)
Interest rates derivatives        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (16,009,000,000)   5,837,000,000  
Net gains and losses on financial assets held for trading (Total)   3,467,000,000   11,615,000,000
Interest rates derivatives | Gain on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 231,372,000,000   600,362,000,000  
Net gains and losses on financial assets held for trading (Total)   201,637,000,000   433,349,000,000
Interest rates derivatives | Loss on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (247,381,000,000)   (594,525,000,000)  
Net gains and losses on financial assets held for trading (Total)   (198,170,000,000)   (421,734,000,000)
Currencies derivatives        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 43,220,000,000   29,216,000,000  
Net gains and losses on financial assets held for trading (Total)   10,849,000,000   (170,044,000,000)
Currencies derivatives | Gain on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 2,546,154,000,000   3,535,106,000,000  
Net gains and losses on financial assets held for trading (Total)   (94,206,000,000)   3,773,565,000,000
Currencies derivatives | Loss on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (2,502,934,000,000)   (3,505,890,000,000)  
Net gains and losses on financial assets held for trading (Total)   105,055,000,000   (3,943,609,000,000)
Equity derivatives        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 6,424,000,000   5,301,000,000  
Net gains and losses on financial assets held for trading (Total)   21,186,000,000   91,376,000,000
Equity derivatives | Gain on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 115,712,000,000   249,364,000,000  
Net gains and losses on financial assets held for trading (Total)   92,302,000,000   302,927,000,000
Equity derivatives | Loss on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (109,288,000,000)   (244,063,000,000)  
Net gains and losses on financial assets held for trading (Total)   (71,116,000,000)   (211,551,000,000)
Other derivatives        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) (254,000,000)   (633,000,000)  
Net gains and losses on financial assets held for trading (Total)   (261,000,000)   (500,000,000)
Other derivatives | Gain on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) 2,142,000,000   2,790,000,000  
Net gains and losses on financial assets held for trading (Total)   2,295,000,000   12,312,000,000
Other derivatives | Loss on transactions and valuation        
Gains losses on financial instruments held for trading [Line Items]        
Net gains and losses on financial instruments at FVTPL classified as held for trading (Total) ₩ (2,396,000,000)   ₩ (3,423,000,000)  
Net gains and losses on financial assets held for trading (Total)   ₩ (2,556,000,000)   ₩ (12,812,000,000)
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Net gain or loss on financial instruments at fair value through profit or loss mandatorily measured at fair value (IFRS 9 And IAS 39)_Details of net gain or loss on financial instrument at fair value through profit or loss designated as upon initial recognition (Details) - KRW (₩)
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Jun. 30, 2018
Jun. 30, 2017
Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition [Line Items]        
Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) ₩ (2,423,000,000) ₩ 0 ₩ 2,877,000,000 ₩ 0
Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39) 0 (24,200,000,000) 0 (86,223,000,000)
Equity-linked securities        
Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition [Line Items]        
Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) (3,367,000,000)   1,280,000,000  
Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39)   (24,353,000,000)   (85,591,000,000)
Net gains and losses on disposals | Equity-linked securities        
Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition [Line Items]        
Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) (1,203,000,000)   (1,534,000,000)  
Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39)   (3,686,000,000)   (15,877,000,000)
Net gains and losses on valuation | Equity-linked securities        
Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition [Line Items]        
Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) (2,164,000,000)   2,814,000,000  
Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39)   (20,667,000,000)   (69,714,000,000)
Net gains and losses on valuation | Securities        
Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition [Line Items]        
Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) 0   0  
Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39)   (114,000,000)   (16,000,000)
Net gains and losses on valuation | Other financial instruments        
Gains losses on financial instruments at fair value through profit or loss designated as upon initial recognition [Line Items]        
Gains (losses) on financial instrument at fair value through profit or loss designated as upon initial recognition (IFRS 9) ₩ 944,000,000   ₩ 1,597,000,000  
Gains (losses) on financial instruments at fair value through profit or loss designated as upon initial recognition (IAS39)   ₩ 267,000,000   ₩ (616,000,000)
XML 242 R226.htm IDEA: XBRL DOCUMENT v3.10.0.1
Net gain or loss on financial assets at FVTOCI and AFS financial assets_Details of net gain on financial assets at FVTOCI and AFS financial assets recognized (Details)
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Disclosure of gains losses recognised in profit or loss availableforsale financial assets [Abstract]          
Gains on redemption of securities (IFRS 9) ₩ 11,000,000   ₩ 16,000,000    
Gains on redemption of securities (IAS 39)   ₩ 220,000,000     ₩ 547,000,000
Gains on transaction of securities (IFRS 9) 464,000,000   1,271,000,000    
Gains on transaction of securities (IAS 39)   95,019,000,000     116,262,000,000
Impairment losses on securities (IFRS 9) 0   0    
Impairment losses on securities (IAS 39)   (6,852,000,000)     (12,637,000,000)
Total 475,000,000 [1] 0 1,287,000,000 [1] $ 1,158,000 [1] 0
Total ₩ 0 ₩ 88,387,000,000 ₩ 0 $ 0 ₩ 104,172,000,000
[1] The consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2018 was prepared in accordance with IFRS 9; however, the comparative consolidated interim statements of comprehensive income for the three months and six months ended June 30, 2017 was not retrospectively restated in accordance with IFRS 9.
XML 243 R227.htm IDEA: XBRL DOCUMENT v3.10.0.1
Impairment reverse (losses) due to credit loss_Impairment reverse Losses due to credit loss (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Disclosure of impairment losses due to credit loss [Abstract]          
Reversal of credit loss on financial assets at financial assets at FVTOCI ₩ (679,000,000) ₩ 0 ₩ (459,000,000)   ₩ 0
Reversal of credit loss on securities at amortized cost losses (199,000,000) 0 (191,000,000)   0
Provision for credit loss on loans and other financial assets at amortized cost 76,699,000,000 0 (61,057,000,000)   0
Impairment losses due to credit loss 0 (211,842,000,000) 0   (333,976,000,000)
Reversal of provision on (provision for) guarantees 76,354,000,000 16,071,000,000 86,990,000,000   44,968,000,000
Reversal of provision on (provision for) loan commitment (1,502,000,000) (8,715,000,000) 3,155,000,000   5,245,000,000
Total ₩ 150,673,000,000 ₩ (204,486,000,000) ₩ 28,438,000,000 $ 25,578 ₩ (283,763,000,000)
XML 244 R228.htm IDEA: XBRL DOCUMENT v3.10.0.1
General administrative expenses and other net operating incomes (expenses)_Details of administrative expenses (Details)
$ in Thousands, ₩ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Employee benefits          
Salaries ₩ 341,645 ₩ 326,034 ₩ 644,663   ₩ 654,191
Employee benefits 108,933 114,170 213,627   213,600
Retirement benefit service costs 36,610 36,972 72,936   74,057
Termination 20,994 5,477 20,994   5,477
Sub total 508,182 482,653 952,220   947,325
Depreciation and amortisation expense [Abstract]          
Depreciation and amortization 52,222 45,380 99,698   94,927
Other general and administrative expense [Abstract]          
Rent 79,546 76,297 159,126   156,708
Taxes and public dues 38,275 34,077 67,385   63,178
Service charges 52,807 47,611 104,970   96,418
Computer and IT related 21,704 16,089 43,581   30,477
Telephone and communication 16,819 16,111 33,729   31,590
Operating promotion 9,339 10,003 19,768   21,053
Advertising 13,808 22,434 20,493   29,880
Printing 1,928 2,095 3,892   4,237
Traveling 2,679 2,920 6,034   6,024
Supplies 1,737 1,517 3,223   3,117
Insurance premium 1,961 1,956 4,002   4,169
Reimbursement 4,964 4,710 5,902   9,177
Maintenance 3,672 3,331 8,027   6,882
Water, light and heating 2,809 2,883 7,203   7,146
Vehicle maintenance 2,379 2,602 4,594   4,964
Others 12,823 11,488 23,491   21,155
Sub total 267,250 256,124 515,420   496,175
Total ₩ 827,654 ₩ 784,157 ₩ 1,567,338 $ 1,409,730 ₩ 1,538,427
XML 245 R229.htm IDEA: XBRL DOCUMENT v3.10.0.1
General administrative expenses and other net operating incomes (expenses)_Details of other operating incomes (Details) - KRW (₩)
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Jun. 30, 2018
Jun. 30, 2017
Other operating income [Abstract]        
Gains on transaction of foreign exchange ₩ 157,245,000,000 ₩ 619,297,000,000 ₩ 847,397,000,000 ₩ 1,698,987,000,000
Gains on disposal of loans and receivables 0 [1] 14,861,000,000 0 [1] 201,860,000,000
Gains on transactions of derivatives 26,373,000,000 11,592,000,000 28,943,000,000 11,656,000,000
Gains on fair value hedged items 18,861,000,000 (7,094,000,000) 66,555,000,000 11,860,000,000
Others 1,741,000,000 5,813,000,000 17,522,000,000 68,668,000,000 [2]
Total ₩ 204,220,000,000 ₩ 644,469,000,000 ₩ 960,417,000,000 1,993,031,000,000
Income for payment to other creditor financial institutions [2]       ₩ 28,800,000,000
[1] Gain on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for gain related to financial assets at amortized cost in accordance with the adoption of IFRS 9.
[2] Other income includes such income amounting to 28,800 million Won for the six months ended June 30, 2017, respectively, that the Group recognized for it is to receive from other creditor financial institutions in accordance with the creditor financial institutions committee agreement.
XML 246 R230.htm IDEA: XBRL DOCUMENT v3.10.0.1
General administrative expenses and other net operating incomes (expenses)_Details of other operating expenses (Details) - KRW (₩)
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Jun. 30, 2018
Jun. 30, 2017
Other operating expenses [Abstract]        
Losses on transaction of foreign exchange ₩ 114,971,000,000 ₩ 534,740,000,000 ₩ 726,348,000,000 ₩ 1,374,764,000,000
KDIC deposit insurance premium 79,585,000,000 77,146,000,000 156,765,000,000 150,256,000,000
Contribution to miscellaneous funds 73,849,000,000 71,927,000,000 146,781,000,000 144,262,000,000
Losses(gains) on disposals of loans and receivables 0 [1] (40,000,000) 0 [1] 28,000,000
Losses(gains) related to derivatives 13,059,000,000 (16,441,000,000) 62,366,000,000 31,131,000,000
Losses(gains) on fair value hedged items 0 15,820,000,000 0 15,846,000,000
Others [2] 45,707,000,000 38,584,000,000 87,571,000,000 75,554,000,000
Total 327,171,000,000 721,736,000,000 1,179,831,000,000 1,791,841,000,000
Expenses for payment to other creditor financial institutions [2] ₩ 25,179,000,000 ₩ 24,443,000,000 1,412,000,000 3,325,000,000
Amortisation of other intangible assets included in other operating expenses     ₩ 25,179,000,000 [3] ₩ 24,443,000,000 [4]
[1] Loss on disposal of loan and receivables occurred for the six month ended June 30, 2018 was presented into a separate account for loss related to financial assets at amortized cost in accordance with the adoption of IFRS 9
[2] Other expense includes such expenses amounting to 1,412 million Won and 3,325 million Won for the six months ended June 30, 2018 and 2017, respectively, which are related to the Group’s expected payments to other creditor financial institutions in accordance with the creditor financial institutions committee agreement. In addition, ‘Other expense’ for the six months ended June 30, 2018 and 2017 includes 25,179 million Won and 24,443 million Won, respectively, of intangible asset amortization expense.
[3] Amortization of other intangible assets amounting to 25,179 million Won is included in other operating expenses.
[4] Amortization of other intangible assets amounting to 24,443 million Won is included in other operating expenses.
XML 247 R231.htm IDEA: XBRL DOCUMENT v3.10.0.1
Other non-operating income (expense)_Details of non operating incomes and expenses (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Gain or loss on valuation of investments in associates and joint ventures          
Gain on valuation ₩ 10,687,000,000 ₩ (10,061,000,000) ₩ 15,347,000,000   ₩ 3,316,000,000
Loss on valuation (3,006,000,000) 521,000,000 (16,809,000,000)   (62,271,000,000)
Impairment loss 0 (5,323,000,000) 0   (5,323,000,000)
Total 7,681,000,000 (14,863,000,000) (1,462,000,000) $ (1,315) (64,278,000,000)
Other income disclosure nonoperating [Abstract]          
Rental fee income 1,687,000,000 1,880,000,000 3,203,000,000   3,700,000,000
Gains on disposal of investment in joint ventures and associates 0 4,466,000,000 0   32,886,000,000
Gains on disposal of premises and equipment, intangble assets and other assets 15,760,000,000 1,494,000,000 17,037,000,000   1,675,000,000
Reversal of impairment loss of premises and equipment, intangible assets and other assets 1,000,000 0 341,000,000   32,000,000
Others 5,897,000,000 22,571,000,000 18,460,000,000   38,892,000,000
Total 23,345,000,000 30,411,000,000 39,041,000,000   77,185,000,000
Other expense disclosure nonoperating [Abstract]          
Depreciation on investment properties 1,004,000,000 992,000,000 2,010,000,000   1,991,000,000
Interest expenses of rent leasehold deposits 150,000,000 105,000,000 292,000,000   223,000,000
Losses on disposal of investment in joint ventures and associates 0 46,000,000 2,931,000,000   27,730,000,000
Losses on disposal of premises and equipment and other assets 167,000,000 271,000,000 221,000,000   608,000,000
Impairment losses on premises and equipment and other assets 2,000,000 40,000,000 2,000,000   160,000,000
Donation 8,551,000,000 10,426,000,000 22,042,000,000   14,980,000,000
Others 12,073,000,000 6,834,000,000 16,264,000,000   21,495,000,000
Total 21,947,000,000 18,714,000,000 43,762,000,000   67,187,000,000
Total ₩ 1,398,000,000 ₩ 11,697,000,000 ₩ (4,721,000,000) $ (4,246) ₩ 9,998,000,000
XML 248 R232.htm IDEA: XBRL DOCUMENT v3.10.0.1
Income tax expense_Details of income tax expenses (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Current tax expense          
Current tax expense in respect of the current year     ₩ 231,393,000,000   ₩ 284,030,000,000
Adjustments recognized in the current period in relation to the current tax of prior periods     (3,632,000,000)   (4,919,000,000)
Sub total     227,761,000,000   279,111,000,000
Deferred tax expense          
Deferred tax assets(liabilities) relating to the origination and reversal of temporary differences     182,515,000,000   13,889,000,000
Deferred tax charged directly to equity     (378,000,000)   27,933,000,000
Others (tax effect charged directly to equity due to the adoption of IFRS 9)     75,318,000,000   0
Sub total     257,455,000,000   41,822,000,000
Income tax expense ₩ 273,701,000,000 ₩ 135,034,000,000 ₩ 485,216,000,000 $ 436,424 ₩ 320,933,000,000
XML 249 R233.htm IDEA: XBRL DOCUMENT v3.10.0.1
Income tax expense_Relationship between the net income before income tax expense and the Income tax expense (Details)
$ in Thousands, ₩ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
Jun. 30, 2017
KRW (₩)
Jun. 30, 2018
KRW (₩)
Jun. 30, 2018
USD ($)
Jun. 30, 2017
KRW (₩)
Reconciliation of accounting profit multiplied by applicable tax rates [Abstract]          
Net income before income tax expense ₩ 995,497 ₩ 601,318 ₩ 1,801,532 $ 1,620,374 ₩ 1,429,948
Tax calculated at statutory tax rate [1]     490,240   345,585
Adjustments          
Effect of income that is exempt from taxation     (19,695)   (32,683)
Effect of expense that is not deductible in determining taxable profit     9,395   9,624
Adjustments recognized in the current period in relation to the current tax of prior periods     (3,632)   (4,919)
Others     8,908   3,326
Sub total     (5,024)   (24,652)
Income tax expense     ₩ 485,216   ₩ 320,933
Effective tax rate     26.90% 26.90% 22.40%
Description of applicable tax rate by taxable income [1]     The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won. The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won. The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won.
[1] The applicable income tax rate; 1) 11% for below 200 million Won, 2) 22% for above 200 million Won and below 20 billion Won, 3) 24.2% for above 20 billion Won and below 300 billion Won, 4) 27.5% for above 300 billion Won.
XML 250 R234.htm IDEA: XBRL DOCUMENT v3.10.0.1
Income tax expense_Details of accumulated deferred tax charged directly to equity (Details) - KRW (₩)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
Dec. 31, 2017
Disclosure of deferred tax relating to items charged or credited directly to equity [Abstract]    
Net gain on valuation of financial assets at FVTOCI ₩ 18,568  
Loss on valuation of AFS securities   ₩ (114,169)
Share of other comprehensive gain (loss) of joint ventures and associates 378 (954)
Foreign currency translation of foreign operations 6,852 15,855
Remeasurements of the net defined benefit liability 78,685 56,317
Gain (loss) on cash flow hedge 1,735 (248)
Total ₩ 106,218 ₩ (43,199)
XML 251 R235.htm IDEA: XBRL DOCUMENT v3.10.0.1
Earnings per share_Details of earnings per share (Details)
₩ / shares in Units, $ in Thousands, ₩ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2018
KRW (₩)
₩ / shares
shares
Jun. 30, 2017
KRW (₩)
₩ / shares
shares
Jun. 30, 2018
KRW (₩)
₩ / shares
shares
Jun. 30, 2018
USD ($)
shares
Jun. 30, 2017
KRW (₩)
₩ / shares
shares
Basic earnings per share [Abstract]          
Net income attributable to owners ₩ 716,142 ₩ 460,888 ₩ 1,305,878 $ 1,174,562 ₩ 1,098,361
Dividends to hybrid securities | ₩ (37,748) (41,557) (75,603)   (90,823)
Net income attributable to common shareholders | ₩ ₩ 678,394 ₩ 419,331 ₩ 1,230,275   ₩ 1,007,538
Weighted average number of common shares outstanding | shares 673,000,000 673,000,000 673,000,000 673,000,000 673,000,000
Basic Earnings Per Share | ₩ / shares ₩ 1,008 ₩ 623 ₩ 1,828   ₩ 1,497
Diluted earnings per share [Abstract]          
Diluted earnings loss per share | ₩ / shares ₩ 1,008 ₩ 623 ₩ 1,828   ₩ 1,497
XML 252 R236.htm IDEA: XBRL DOCUMENT v3.10.0.1
Contingent liabilities and commitments_Details of contingent liabilities and commitments (Details)
₩ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2018
KRW (₩)
Dec. 31, 2017
KRW (₩)
Disclosure of contingent liabilities [Line Items]    
Total of guarantees ₩ 12,372,573 ₩ 12,859,715
Loan commitments 98,251,006 80,760,325
Other commitments ₩ 5,942,784 ₩ 4,546,090
Number of cases as plaintiffs [1] 68 83
Number of cases as defendants [1] 161 155
Amount of litigation as plaintiff ₩ 443,234 ₩ 413,267
Amount of litigation as defendant 256,147 244,767
Allowance for litigations 19,887 ₩ 9,277
Description of gain related to litigation settlement   The Group provides settlement services for payments in Korean Won to facilitate trade transactions between Korea and Iran. In connection with these services, the Group is currently being investigated by US government agencies including US prosecutors (United States Attorney’s Office and New York State Attorney General’s Office) as to whether the Group has violated United States laws by participating in prohibited transactions involving countries sanctioned by the US.
Confirmed guarantees    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 6,563,000 ₩ 6,875,021
Guarantee for loans    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 141,193 157,299
Acceptances    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 333,365 320,519
Guarantees in acceptances of imported goods    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 106,675 108,238
Other confirmed guarantees    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 5,981,767 6,288,965
Unconfirmed guarantees    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 4,510,070 4,526,593
Local letter of credit    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 365,302 383,117
Letter of credit    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 3,207,797 3,637,787
Other unconfirmed guarantees    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees 936,971 505,689
Commercial paper purchase commitments and others    
Disclosure of contingent liabilities [Line Items]    
Total of guarantees ₩ 1,299,503 ₩ 1,458,101
[1] The number of lawsuits as of June 30, 2018 and December 31, 2017 does not include fraud lawsuits, etc. and those lawsuits that are filed only to extend the statute of limitation.
XML 253 R237.htm IDEA: XBRL DOCUMENT v3.10.0.1
Related party transactions_Details of transactions with related parties (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2017
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Payment guarantees to related parties ₩ 11,525,000,000   ₩ 71,459,000,000
Description of changes of ownership interest of related party [1],[2] The entity is in scope for the associates due to contribution as of the year ended December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018. The entity is in scope for the associates due to contribution as of the year ended December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.  
KDIC      
Related party transactions [Abstract]      
Interest expenses ₩ 0 ₩ 15,331,000,000  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Description of nature of related party relationship   Corporation that has significant influence over the group Corporation that has significant influence over the group
Description of changes of ownership interest of related party [3]   As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group. As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group.
Kumho Tires Co Inc      
Outstanding balances for related party transactions [Abstract]      
Loans 257,856,000,000   ₩ 170,917,000,000
Allowance for credit loss (62,957,000,000)   (156,712,000,000)
Deposits due to customers 482,000,000   666,000,000
Other liabilities 489,000,000   50,000,000
Related party transactions [Abstract]      
Interest income 1,098,000,000 ₩ 1,501,000,000  
Fees income 0 6,000,000  
Impairment losses due to credit loss (reversal of allowance for credit loss) (93,755,000,000) ₩ 1,042,000,000  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment 511,000,000   636,000,000
Import credit in foreign currencies and others ₩ 13,830,000,000   ₩ 4,181,000,000
Description of nature of related party relationship Associates Associates Associates
Woori Service Networks Co Ltd      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 22,000,000   ₩ 45,000,000
Deposits due to customers 1,732,000,000   1,311,000,000
Other liabilities 339,000,000   357,000,000
Related party transactions [Abstract]      
Interest expenses 7,000,000 ₩ 13,000,000  
Fees expenses 270,000,000 335,000,000  
Other income 15,000,000 15,000,000  
Other expenses 231,000,000 ₩ 249,000,000  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment ₩ 178,000,000   ₩ 155,000,000
Description of nature of related party relationship Associates Associates Associates
Korea Credit Bureau Co Ltd      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 4,000,000   ₩ 6,000,000
Deposits due to customers 1,063,000,000   5,586,000,000
Other liabilities 6,000,000   54,000,000
Related party transactions [Abstract]      
Interest expenses 21,000,000 ₩ 38,000,000  
Fees expenses 1,038,000,000 ₩ 1,023,000,000  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment ₩ 31,000,000   ₩ 29,000,000
Description of nature of related party relationship Associates Associates Associates
Korea Finance Security Co Ltd      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 42,000,000   ₩ 56,000,000
Allowance for credit loss (2,000,000)   0
Deposits due to customers 3,078,000,000   2,854,000,000
Other liabilities 4,000,000   7,000,000
Related party transactions [Abstract]      
Interest expenses 4,000,000 ₩ 5,000,000  
Fees expenses 71,000,000 0  
Impairment losses due to credit loss (reversal of allowance for credit loss) 2,000,000 ₩ 0  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment ₩ 218,000,000   ₩ 204,000,000
Description of nature of related party relationship Associates Associates Associates
Chin Hung International Inc      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 182,000,000   ₩ 408,000,000
Allowance for credit loss (24,000,000)   (22,000,000)
Deposits due to customers 61,551,000,000   46,220,000,000
Other liabilities 2,899,000,000   1,658,000,000
Related party transactions [Abstract]      
Interest income 0 ₩ 53,000,000  
Interest expenses 21,000,000 13,000,000  
Fees income 0 1,000,000  
Impairment losses due to credit loss (reversal of allowance for credit loss) 2,000,000 ₩ (4,270,000,000)  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment ₩ 32,117,000,000   ₩ 31,891,000,000
Description of nature of related party relationship Associates Associates Associates
Poonglim Industrial Co Ltd      
Outstanding balances for related party transactions [Abstract]      
Deposits due to customers ₩ 0   ₩ 4,000,000
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Description of nature of related party relationship   Associates Associates
Description of changes of ownership interest of related party [4]   The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates
STX Engine Co Ltd      
Outstanding balances for related party transactions [Abstract]      
Loans 106,176,000,000   ₩ 106,176,000,000
Allowance for credit loss (88,734,000,000)   (88,734,000,000)
Deposits due to customers 18,092,000,000   18,092,000,000
Other liabilities 29,000,000   29,000,000
Related party transactions [Abstract]      
Interest income [2] 333,000,000 ₩ 672,000,000  
Interest expenses [2] 86,000,000 72,000,000  
Fees income 0 28,000,000 [2]  
Impairment losses due to credit loss (reversal of allowance for credit loss) ₩ (88,734,000,000) ₩ (1,835,000,000)  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Import credit in foreign currencies and others [2]     ₩ 68,858,000,000
Description of nature of related party relationship Associates Associates Associates
Description of changes of ownership interest of related party [2] The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018 The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018
STX Corporation      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 73,519,000,000   ₩ 47,711,000,000
Allowance for credit loss (49,734,000,000)   (31,210,000,000)
Deposits due to customers 2,130,000,000   77,555,000,000
Other liabilities 131,000,000   80,000,000
Related party transactions [Abstract]      
Interest income 0 ₩ 219,000,000  
Interest expenses 2,000,000 4,000,000  
Fees income 0 58,000,000  
Impairment losses due to credit loss (reversal of allowance for credit loss) 18,524,000,000 ₩ (59,507,000,000)  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment 132,000,000   53,000,000
Import credit in foreign currencies and others ₩ 14,914,000,000   ₩ 17,557,000,000
Description of nature of related party relationship Associates Associates Associates
K BANK Co Ltd      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 103,000,000   ₩ 212,000,000
Related party transactions [Abstract]      
Fees income 514,000,000 ₩ 396,000,000  
Other income 5,000,000 1,051,000,000  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment ₩ 101,000,000 ₩ 0  
Description of nature of related party relationship Associates Associates Associates
Well to Sea No.3 Private Equity Fund      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 85,000,000,000   ₩ 73,810,000,000
Allowance for credit loss (85,000,000)   (39,000,000)
Deposits due to customers 3,213,000,000   61,000,000
Other liabilities 69,000,000   27,000,000
Related party transactions [Abstract]      
Interest income 1,288,000,000 ₩ 0  
Interest expenses 4,000,000 0  
Impairment losses due to credit loss (reversal of allowance for credit loss) 46,000,000 ₩ 0  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Loan commitment ₩ 225,000,000,000   ₩ 236,190,000,000
Description of nature of related party relationship Associates Associates Associates
Description of changes of ownership interest of related party [5] Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates. Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates. Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates.
Others      
Outstanding balances for related party transactions [Abstract]      
Loans ₩ 260,000,000   ₩ 499,000,000
Allowance for credit loss (235,000,000)   (471,000,000)
Other assets 1,000,000   1,000,000
Deposits due to customers 6,369,000,000   2,906,000,000
Other liabilities 153,000,000   ₩ 73,000,000
Related party transactions [Abstract]      
Interest expenses 22,000,000 ₩ 5,000,000  
Impairment losses due to credit loss (reversal of allowance for credit loss) (236,000,000) (10,000,000)  
Other income ₩ 6,000,000 ₩ 0  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Description of nature of related party relationship Associates Associates Associates
Description of other related parties with outstanding balances [6] Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017.   Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017
Description of other related parties with transactions [7] Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017. Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017.  
Woori Blackstone Korea Opportunity Private Equity Fund No.1      
Related party transactions [Abstract]      
Fees income ₩ 0 ₩ 29,000,000  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Description of changes of ownership interest of related party [8]   Due to disposition previous year, the entity is not in scope for associate. Due to disposition previous year, the entity is not in scope for associate.
Samho International Co Ltd      
Related party transactions [Abstract]      
Interest income 0 ₩ 364,000,000 [2]  
Interest expenses 0 214,000,000 [2]  
Fees income 0 6,000,000 [2]  
Impairment losses due to credit loss (reversal of allowance for credit loss) ₩ 0 ₩ (116,000,000)  
Disclosure of outstanding commitments made by entity related party transactions [Abstract]      
Description of changes of ownership interest of related party [2]   The entity was sold after it was transferred to assets held for sale and was excluded from the investment in associates for the year ended December 31, 2017. The entity was sold after it was transferred to assets held for sale and was excluded from the investment in associates for the year ended December 31, 2017.
[1] The entity is in scope for the associates due to contribution as of the year ended December 31, 2017.
[2] The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.
[3] As its ownership interest in the Group is lower than 20% as of December 31, 2017, it has been excluded from the corporation that have significant influence over the Group.
[4] The Group did not have significant influence over the entity due to the fact that the entity was going through workout process under receivership, and thus the entity was excluded from the investment in associates
[5] Due to capital contribution for the year ended December 31, 2017, the entity has been included in the investment in associates.
[6] Others include Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others as of June 30, 2018 and December 31, 2017.
[7] Others include the amount transacted with Saman Corporation, Kyesan Engineering Co., Ltd., Hyunwoo International Co., Ltd., DAEA SNC Co., Ltd. and others for the six months ended June 30, 2018 and 2017.
[8] Due to disposition previous year, the entity is not in scope for associate.
XML 254 R238.htm IDEA: XBRL DOCUMENT v3.10.0.1
Related party transactions_Major loan and borrowing transactions with related parties (Details) - KRW (₩)
6 Months Ended 12 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Dec. 31, 2017
Disclosure of major loan and borrowing transactions between related parties [Abstract]      
Beginning balance of Major loan transations with KumhoTires Co Inc ₩ 57,470,000,000 ₩ 50,413,000,000 ₩ 50,413,000,000
Beginning balance of Major loan transations with Well to Sea No. 3 Private Equity Fund [1] 73,810,000,000    
Beginning balance of Major loan transations with STX Engine Co Ltd [2] 39,886,000,000 44,797,000,000 44,797,000,000
Beginning balance of major borrowing transactions 0    
Increase (decrease) of major loan transactions with related parties through other changes      
Loan to Well to Sea No. 3 Private Equity Fund [1] 11,190,000,000    
Collection from KumhoTires Co Inc 7,057,000,000    
Collection from STX Engine Co Ltd [2] 2,177,000,000 7,088,000,000  
Others for STX Engine Co Ltd [2] (37,709,000,000)    
Ending balance of Major loan transations with KumhoTires Co Inc 50,413,000,000 [3] 50,413,000,000 [3] 57,470,000,000
Ending balance of Major loan transations with Well to Sea No. 3 Private Equity Fund [1] 85,000,000,000 [3]   73,810,000,000
Ending balance of Major loan transations with STX Engine Co Ltd [2]   ₩ 37,709,000,000 [3] 39,886,000,000
Ending balance of major borrowing transactions ₩ 0   ₩ 0
Description of nature of major loan and borrowing transactions with related parties [3] Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease). Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease).  
Description of changes of ownership interest of related party [1],[2] The entity is in scope for the associates due to contribution as of the year ended December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018. The entity is in scope for the associates due to contribution as of the year ended December 31, 2017. The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.  
[1] The entity is in scope for the associates due to contribution as of the year ended December 31, 2017.
[2] The entity was sold after it was transferred to assets held for sale for the year ended December 31, 2017 and was excluded from the investment in associates as of June 30, 2018.
[3] Settlement payment caused in operation among the related parties were excluded, and in the case of a limited loan, it was presented as a net increase (decrease).
XML 255 R239.htm IDEA: XBRL DOCUMENT v3.10.0.1
Related party transactions_Compensation for key management (Details) - KRW (₩)
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Disclosure of amounts incurred by entity for provision of key management personnel services provided by separate management entities [Abstract]    
Short term benefits ₩ 6,023,000,000 ₩ 6,524,000,000
Severance payments 280,000,000 280,000,000
Total 6,303,000,000 ₩ 6,804,000,000
Outstanding receivables from transaction with key management 2,155,000,000  
Outstanding payables from transaction with key management 6,946,000,000  
Loss allowance related to outstanding balances of transactions with key mangement personnel 0  
Impairment loss reversal of impairment loss recognised related to outstanding balances of transactions with key mangement personnel ₩ 0  
Description of nature of key management personnel Key management includes registered executives and non-registered executives. Key management includes registered executives and non-registered executives.
XML 256 R240.htm IDEA: XBRL DOCUMENT v3.10.0.1
Business combination_Details of Business combination (Details)
₩ in Millions
6 Months Ended
Jun. 30, 2018
KRW (₩)
Disclosure of detailed information about business combination [Abstract]  
Name of acquiree Vision Fund Cambodia
Description of acquiree The Group changed its name to WB Finance Co., Ltd..
Date of acquisition Jun. 21, 2018
Percentage of voting equity interests acquired 100.00%
Explanation of effect of changes in composition of entity during interim period In order to expand Cambodia’s retail business, the Group had acquired 100% ownership of Vision Fund Cambodia on June, 2018. And The Group changed its name to WB Finance Co., Ltd..
Description of primary reasons for business combination For expand Cambodia’s retail business
Description of how acquirer obtained control of acquiree The Group had acquired 100% ownership.
Consideration transferred:  
Cash and Cash equivalents ₩ 88,216
Identifiable assets and liabilities recognized  
Cash and Cash equivalents 16,657
Financial assets at FVTOCI 17
Loans and other financial assets at amortized cost 205,451
Premises and equipment 1,630
Intangible assets 763
Current tax assets 173
Deferred tax assets 1,381
Other assets 1,510
Asset total 227,582
Deposits due to customers 54,615
Borrowings 120,644
Other financial liabilities 6,149
Current tax liabilities 640
Other liabilities 4,724
Liabilities total 186,772
Identifiable net fair value 40,810
Goodwill ₩ 47,406 [1]
[1] Identifying the intangible assets and measuring the fair value of identifiable assets acquired are incomplete as the acquisition date was June 21, 2018. The amount of Goodwill could change due to the result of the measurement of the identifiable assets and liabilities.
XML 257 R241.htm IDEA: XBRL DOCUMENT v3.10.0.1
Establishment of a financial hoding company and plan of stock transfer_Description of establishment of a financial hoding company and plan of stock transfer (Details)
6 Months Ended
Jun. 30, 2018
Schedule of investments [Abstract]  
Description of establishment of holding company in progress The Group's board of directors held a meeting on June 19, 2018, approving the plan to transfer shares which was formulated to facilitate the establishment of a financial holding company by means of comprehensive share transfer. In relation to the establishment of the financial holding company, the Group is currently undertaking processes to obtain approval from the Financial Services Committee.
Description of subsidiaries of holding company to be established The six companies that are subject to the share transfer plan include the Bank, Woori FIS Co., Ltd., Woori Finance Research Institute Co., Ltd., Woori Credit Information Co., Ltd., Woori Fund Service Co., Ltd., Woori Private Equity Asset Management Co., Ltd. After the Group obtains approval from the Financial Services Committee, the Group is planning to establish the financial holding company during the first half of 2019 through processes such as annual shareholders' meeting. Following the establishment of the financial holding company, the six companies mentioned above will become fully owned subsidiaries of the holding company.
Description of listing on stock exchange market due to holding company to be established After the financial holding company is established, the shares of the Group will be delisted from the Korea Stock Exchange and New York Stock Exchange during the first half of the 2019, and the shares of the newly established financial holding company will be listed on both Korea Stock Exchange and New York Stock Exchange.
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