UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

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

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of August 2013

Commission File Number: 000-53445

KB Financial Group Inc.

(Translation of registrant’s name into English)

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

(Address of principal executive office)

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

Form 20-F  x              Form 40-F  ¨

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

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

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

Yes  ¨              No  x

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

TABLE OF CONTENTS

1.	Introduction to the Company	4
1.1.	Business Purpose	4
1.2.	History	4
1.3.	Overview of the Business Group	5
1.4.	Capital Structure	6
1.5.	Dividends	7
2.	Business	8
2.1.	Results of Operations	8
2.2.	Sources and Uses of Funds	9
2.3.	Other Information to Consider in Making an Investment Decision	11
3.	Financial Information	12
3.1.	Consolidated Condensed Financial Information	12
3.2.	Separate Condensed Financial Information	14
3.3.	Other Selected Financial Data	16
3.4.	Other Financial Information	19
4.	Independent Public Accountants	20
4.1.	Audit / Review Services	20
4.2.	Non-Audit Services	20
5.	Corporate Governance and Affiliated Companies	21
5.1.	Board of Directors & Committees under the Board	21
5.2.	Audit Committee	21
5.3.	Compensation to Directors	22
5.4.	Affiliated Companies	23
6.	Directors, Senior Management and Employees	24
6.1.	Executive Directors	24
6.2.	Non-Standing Directors	24
6.3.	Non-Executive Directors	24
6.4.	Senior Management	25
6.5.	Employees	25
7.	Major Shareholders and Related Party Transactions	25
7.1.	Major Shareholders	25
7.2.	Changes in the Largest Shareholder	26
7.3.	Employee Stock Ownership Association	26
7.4.	Investments in Certain Affiliated Companies	27
7.5.	Related Party Transactions	27

2

Summary of Business Report for the First Half of Fiscal Year 2013

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

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

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

3

1. Introduction to the Company

1.1. Business Purpose

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

1.2. History

• September 26, 2008

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

• September 29, 2008

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

• October 10, 2008

Listing on the Korea Exchange

• October 20, 2008

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

• October 31, 2008

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

• May 4, 2009

Added Kookmin Bank Cambodia PLC as a second-tier subsidiary

• June 22, 2009

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

• September 28, 2009

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

• December 1, 2009

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

• January 22, 2010

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

• July 6, 2010

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

• December 13, 2010

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

4

• March 2, 2011

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

• March 14, 2011

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

• July 8, 2011

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

• November 12, 2011

Closed KB Investment & Securities Hong Kong Ltd.

• January 13, 2012

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

• May 11, 2012

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

• June 8, 2012

Liquidated Burrill-KB Life Sciences Fund Ltd.

• July 2, 2012

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

• October 10, 2012

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

• June 20, 2013

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

1.3. Overview of the Business Group

(As of June 30, 2013)
Type	Name of Company	Controlling Company	Remarks
Holding Company	KB Financial Group	—	Listed
1st Tier Subsidiaries	Kookmin Bank	KB Financial Group	Not listed
	KB Kookmin Card Co., Ltd.	KB Financial Group	Not listed
	KB Investment & Securities Co., Ltd.	KB Financial Group	Not listed
	KB Life Insurance Co., Ltd.	KB Financial Group	Not listed
	KB Asset Management Co., Ltd.	KB Financial Group	Not listed
	KB Real Estate Trust Co., Ltd.	KB Financial Group	Not listed
	KB Investment Co., Ltd.	KB Financial Group	Not listed
	KB Credit Information Co., Ltd.	KB Financial Group	Not listed
	KB Data Systems Co., Ltd.	KB Financial Group	Not listed
	KB Savings Bank Co., Ltd.	KB Financial Group	Not listed
2nd Tier Subsidiaries	Kookmin Bank Hong Kong Ltd.	Kookmin Bank	Not listed
	Kookmin Bank International Ltd.	Kookmin Bank	Not listed
	Kookmin Bank Cambodia PLC	Kookmin Bank	Not listed
	Kookmin Bank (China) Limited	Kookmin Bank	Not listed
	KB-Glenwood Private Equity Fund No. 1	KB Investment & Securities	Not listed
	NPS-KBIC Private Equity Fund No. 1	KB Investment	Not listed
	KBIC No. 3 PEF	KB Investment	Not listed
	KoFC KBIC Frontier Champ 2010-5 PEF	KB Investment	Not listed
	KoFC POSCO HANWHA KB Shared Growth No. 2. Private Equity Fund	KB Investment	Not listed
	KoFC Value-up Private Equity Fund	KB Investment	Not listed

5

Notes:

(1) KLB Securities, a subsidiary of Kookmin Bank, is in liquidation.

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

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

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

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

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

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

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

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

1.4. Capital Structure

1.4.1. Common Shares

Capital Increase

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

Number of Shares

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

6

1.4.2. Voting Rights

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

1.5. Dividends

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

Notes:

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

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

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

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

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

7

2. Business

2.1. Results of Operations

	For the six months ended June 30, 2013			For the six months ended June 30, 2012(2)			For the year ended December 31, 2012			For the year ended December 31, 2011
Net interest income		3,300,066			3,554,835			7,115,913			7,104,512
Interest income		6,282,344			7,202,592			14,155,825			13,956,257
Interest expense		(2,982,278	)		(3,647,757	)		(7,039,912	)		(6,851,745	)
Net fee and commission income		759,153			756,356			1,592,641			1,794,750
Fee and commission income		1,310,238			1,365,474			2,778,668			2,829,754
Fee and commission expense		(551,085	)		(609,118	)		(1,186,027	)		(1,035,004	)
Net gains (losses) on financial assets/liabilities at fair value through profit and loss		324,309			578,767			651,203			1,035,867
Net other operating income (expenses)		(720,588	)		(620,477	)		(1,455,270	)		(1,092,009	)
G&A Expenses		(2,001,008	)		(1,959,599	)		(3,885,285	)		(3,931,808	)
Net operating income before provision for credit losses		1,661,932			2,309,882			4,019,202			4,911,312
Provision for credit losses		(677,572	)		(753,201	)		(1,607,804	)		(1,512,978	)
Operating profit		984,360			1,556,681			2,411,398			3,398,334

Notes:

(1) Prepared on a consolidated basis.

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

8

2.2. Sources and Uses of Funds

2.2.1. Sources of Funds

		(Unit: in millions of Won, %)
		For the six months  ended June 30, 2013						For the year ended December  31, 2012(2)						For the year ended December  31, 2011
		Average Balance		Interest Rate (%)		Average Balance		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)
Won Currency	Deposits		177,895,245		2.61		63.14		181,850,183		3.10		64.01		169,714,084		3.02		63.38
	Certificate of deposit		1,650,459		3.23		0.59		1,734,611		3.88		0.61		1,745,901		3.90		0.65
	Borrowings		5,334,074		2.57		1.89		5,308,486		2.86		1.87		4,593,395		3.01		1.72
	Call money		4,218,503		2.65		1.50		3,562,595		3.02		1.25		1,779,391		3.01		0.66
	Debentures		21,142,412		4.83		7.50		21,002,427		5.17		7.39		24,454,683		5.37		9.13
	Other		3,306,592		2.78		1.17		3,188,139		3.59		1.12		3,713,710		3.50		1.39
Subtotal			213,547,285		2.84		75.79		216,646,441		3.30		76.25		206,001,164		3.31		76.93
Foreign currency	Deposits		4,973,577		0.98		1.77		5,289,517		0.97		1.86		3,394,042		0.64		1.27
	Borrowings		7,135,695		0.62		2.53		8,399,079		0.91		2.96		7,464,052		0.92		2.79
	Call money		869,095		0.49		0.31		1,224,909		0.55		0.43		896,482		0.84		0.33
	Debentures		3,329,847		4.52		1.18		3,549,616		4.96		1.25		3,945,798		4.96		1.47
	Other		255,964		1.19		0.09		203,426		1.34		0.07		134,421		0.59		0.05
Subtotal			16,564,178		1.51		5.88		18,666,547		1.68		6.57		15,834,795		1.86		5.91
Other	Total shareholders’ equity		25,510,167		—		9.06		24,431,702		—		8.61		22,823,040		—		8.52
	Allowances		671,731		—		0.24		901,913		—		0.32		1,096,724		—		0.41
	Other		25,428,709		—		9.03		23,452,276		—		8.25		22,049,153		—		8.23
Subtotal			51,610,607		—		18.33		48,785,891		—		17.18		45,968,917		—		17.16
Total			281,722,070		—		100.00		284,098,879		—		100.00		267,804,876		—		100.00

Notes:

(1) Prepared on a consolidated basis.

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

9

2.2.2. Uses of Funds

		For the six months ended June 30, 2013								For the year ended December 31, 2012(2)								For the year ended December 31, 2011
		Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)
Won currency	Due from banks		4,398,790			2.95		1.56			3,978,175			3.66		1.40			1,622,223			3.75		0.61
	Securities		46,347,212			3.71		16.45			45,292,632			4.39		15.94			41,166,103			4.60		15.38
	Loans		183,711,149			4.85		65.22			188,233,803			5.43		66.27			179,786,245			5.63		67.14
	Guarantee payments under payment guarantee		49,824			1.79		0.02			68,419			0.73		0.02			142,018			0.26		0.05
	Call loan		1,189,565			2.86		0.42			1,581,952			3.20		0.56			1,345,886			3.18		0.50
	Private placement corporate bonds		639,155			5.51		0.23			679,954			6.78		0.24			1,361,495			5.88		0.51
	Credit cards		11,549,791			11.08		4.10			12,076,314			11.14		4.25			12,377,664			10.82		4.62
	Other		6,539,335			5.17		2.32			4,881,932			6.00		1.72			1,963,980			11.42		0.73
	Allowance		(3,307,837	)		—		(1.17	)		(3,514,211	)		—		(1.25	)		(3,654,789	)		—		(1.36	)
Subtotal			251,116,984			4.96		89.15			253,278,970			5.57		89.15			236,110,825			5.83		88.18
Foreign currency	Due from banks		858,283			0.85		0.30			829,485			1.79		0.29			676,389			2.05		0.25
	Securities		1,083,107			2.17		0.38			1,237,230			3.06		0.44			1,693,605			3.82		0.63
	Loans		9,281,665			2.07		3.29			9,746,662			2.24		3.43			9,355,591			2.21		3.49
	Call loan		1,592,387			0.58		0.57			1,728,696			0.70		0.61			1,236,257			0.74		0.46
	Bills bought		2,509,574			1.48		0.89			2,931,390			1.97		1.03			2,432,861			2.08		0.91
	Allowance		(160,709	)		—		(0.06	)		(178,772	)		—		(0.06	)		(206,220	)		—		(0.08	)
	Other		1,919			—		0.00			1,899			—		0.00			1,270			—		0.00
Subtotal			15,166,226			1.78		5.37			16,296,590			2.09		5.74			15,189,753			2.27		5.66
Other	Cash		1,650,040			—		0.59			1,617,802			—		0.57			1,506,765			—		0.56
	Fixed assets held for business		3,218,526			—		1.14			3,211.797			—		1.13			3,223,574			—		1.20
	Other		10,570,294			—		3.75			9,693,720			—		3.41			11,773,959			—		4.40
Subtotal			15,438,860			—		5.48			14,523,319			—		5.11			16,504,298			—		6.16
Total			281,722,070			—		100.00			284,098,879			—		100.00			267,804,876			—		100.00

Notes:

(1) Prepared on a consolidated basis.

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

10

2.3. Other Information to Consider in Making an Investment Decision

2.3.1. Capital Adequacy

KB Financial Group (calculated in accordance with Basel I)	(Unit: in millions of Won, %)
	As of June 30, 2013(3)		As of December 31, 2012		As of December 31, 2011
Total Capital (A)		27,376,325		26,907,004		25,062,681
Risk-weighted assets (B)		191,858,552		193,510,143		192,812,547
BIS ratio (A/B)(2)		14.27		13.90		13.00

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

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

(3) Preliminary figures.

Kookmin Bank (calculated in accordance with Basel II)	(Unit: in billions of Won, %)
	As of June 30, 2013		As of December 31, 2012		As of December 31, 2011
Total Capital (A)		21,714		21,391		19,668
Risk-weighted assets (B)		147,226		148,544		145,185
BIS ratio (A/B)		14.75		14.40		13.55

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

2.3.2. Credit ratings

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

(1) Formerly NICE Ratings.

(2) Redeemed in full as of June 30, 2013.

11

3. Financial Information

3.1. Consolidated Condensed Financial Information

3.1.1. Consolidated Statements of Financial Position

	(Unit: in millions of Won, except number of consolidated companies)
	As of June 30, 2013		As of December  31, 2012(1)		As of December 31, 2011		As of December 31, 2010			As of January 1, 2010
Cash and due from financial institutions		11,795,810		10,592,605		9,178,125		6,829,828			9,102,630
Financial assets at fair value through profit and loss		11,188,484		9,559,719		6,326,104		4,013,313			4,592,491
Derivative financial assets		1,779,665		2,091,285		2,448,455		2,595,121			3,392,391
Loans		216,039,185		213,644,791		212,107,027		197,621,004			196,686,844
Financial investments		36,014,627		36,467,352		35,432,182		36,189,650			35,036,710
Investments in associates		851,368		934,641		892,132		723,411			614,717
Property and equipment		3,059,663		3,100,393		3,186,020		3,150,260			3,257,911
Investment property		166,972		52,974		51,552		52,921			67,977
Intangible assets		469,639		493,131		468,441		504,920			402,577
Deferred income tax assets		14,968		18,432		22,329		4,045			16,504
Assets held for sale		50,455		35,412		9,931		9,353			20,160
Other assets		12,145,779		8,760,319		7,478,519		7,076,796			6,968,059
Total assets		293,576,615		285,751,054		277,600,817		258,770,622			260,158,971
Financial liabilities at fair value through profit or loss		3,303,436		1,851,135		1,388,079		1,294,859			1,364,223
Derivative financial liabilities		1,794,089		2,054,742		2,059,573		2,236,359			3,138,394
Deposits		196,576,841		197,346,205		190,337,590		179,862,071			169,065,043
Debts		16,540,784		15,965,458		16,823,838		11,744,389			13,834,104
Debentures		25,155,129		24,270,212		27,069,879		29,107,316			38,661,962
Provisions		737,807		669,729		797,739		1,020,070			576,154
Net defined benefit liabilities		117,029		83,723		128,488		125,463			167,387
Current income tax liabilities		196,237		264,666		588,825		29,641			99,752
Deferred income tax liabilities		41,867		154,303		220,842		283,575			404,639
Other liabilities		24,167,785		18,327,740		15,086,169		13,400,949			13,416,625
Total liabilities		268,631,004		260,987,913		254,501,022		239,104,692			240,728,283
Equity attributable to shareholders of the Company		24,945,611		24,568,619		22,917,975		18,496,687			18,349,693
Share capital		1,931,758		1,931,758		1,931,758		1,931,758			1,931,758
Capital surplus		15,855,456		15,840,300		15,841,824		15,990,278			15,990,618
Accumulated other comprehensive income		313,772		295,142		191,642		430,572			350,941
Retained earnings		6,844,625		6,501,419		4,952,751		2,620,888			2,553,185
Treasury shares		—		—		—		(2,476,809	)		(2,476,809	)
Non-controlling interests		—		194,522		181,820		1,169,243			1,080,995
Total equity		24,945,611		24,763,141		23,099,795		19,665,930			19,430,688
Total liabilities and equity		293,576,615		285,751,054		277,600,817		258,770,622			260,158,971
Number of consolidated companies		92		77		67		58			50

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

12

3.1.2. Consolidated Statements of Comprehensive Income

	(Unit: in millions of Won, except per share amounts)
	For the six months ended June 30, 2013			For the six months ended June 30, 2012(1)			For the year ended December 31, 2012			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income		3,300,066			3,554,835			7,115,913			7,104,512			6,173,804
Net fee and commission income		759,153			756,356			1,592,641			1,794,750			1,704,714
Net gains (losses) on financial assets/liabilities at fair value through profit or loss		324,309			578,767			651,203			1,035,867			814,808
Net other operating income (expense)		(720,588	)		(620,477	)		(1,455,270	)		(1,092,009	)		(1,067,343	)
General and administrative expenses		(2,001,008	)		(1,959,599	)		(3,885,285	)		(3,931,808	)		(4,366,629	)
Operating profit before provision for credit losses		1,661,932			2,309,882			4,019,202			4,911,312			3,259,354
Provision for credit losses		(677,572	)		(753,201	)		(1,607,804	)		(1,512,978	)		(2,871,417	)
Net operating profit		984,360			1,556,681			2,411,398			3,398,334			387,937
Net non-operating profit (loss)		(113,221	)		(12,315	)		(150,070	)		(137,528	)		(238,569	)
Profit before income tax		871,139			1,544,366			2,261,328			3,260,806			149,368
Income tax expense		(292,965	)		(382,421	)		(549,340	)		(832,234	)		70,541
Profit for the period		578,174			1,161,945			1,711,988			2,428,572			219,909
Other comprehensive income for the year, net of tax		(13,284	)		11,718			178,967			(235,748	)		99,329
Total comprehensive income for the year		564,890			1,173,663			1,890,955			2,192,824			319,238
Profit attributable to:		578,174			1,161,945			1,711,988			2,428,572			219,909
Shareholders of the parent company		574,978			1,156,552			1,702,913			2,373,026			146,600
Non-controlling interests		3,196			5,393			9,075			55,546			73,309
Total comprehensive income for the year attributable to:		564,890			1,173,663			1,890,955			2,192,824			319,238
Shareholders of the parent company		593,608			1,165,488			1,871,240			2,134,096			226,231
Non-controlling interests		(28,718	)		8,175			19,715			58,728			93,007
Earnings per share
Basic earnings per share (Won)		1,488			2,994			4,408			6,461			427
Diluted earnings per share (Won)		1,483			2,987			4,394			6,445			427

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

13

3.2. Separate Condensed Financial Information

3.2.1. Separate Statements of Financial Position

	(Unit: in millions of Won)
	As of June 30, 2013			As of December  31, 2012(1)			As of December 31, 2011		As of December 31, 2010		As of January 1, 2010
Cash and due from financial institutions		53,340			96,234			32,031		759,998		845,366
Loans		10,000			25,000			60,000		160,000		170,000
Investments in subsidiaries		18,111,676			17,944,848			17,773,322		17,673,322		17,612,122
Property and equipment		622			351			759		1,109		1,718
Intangible assets		9,023			9,122			10,531		11,057		9,176
Current income tax assets		—			—			—		125,423		—
Deferred income tax assets		4,153			3,800			2,445		898		—
Other assets		245,721			310,673			631,602		48,105		25,932
Total Assets		18,434,535			18,390,028			18,510,690		18,779,912		18,664,314
Debts		85,000			—			130,000		—		—
Debentures		—			—			49,988		799,353		798,421
Net defined benefit liabilities		2,263			1,384			992		1,134		1,049
Current income tax liabilities		189,423			257,535			578,729		—		—
Other liabilities		44,637			46,767			34,701		158,304		6,401
Total Liabilities		321,323			305,686			794,410		958,791		805,871
Share capital		1,931,758			1,931,758			1,931,758		1,931,758		1,931,758
Capital surplus		13,513,809			13,513,809			13,513,809		13,513,809		13,513,809
Accumulated other comprehensive income		(2,770	)		(2,780	)		—		—		—
Retained earnings		2,670,415			2,641,555			2,270,713		2,375,554		2,412,876
Total Equity		18,113,212			18,084,342			17,716,280		17,821,121		17,858,443
Total Liabilities and Equity		18,434,535			18,390,028			18,510,690		18,779,912		18,664,314

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

14

3.2.2. Separate Statements of Comprehensive Income

	(Unit: in millions of Won, except per share amounts)
	For the six months ended June 30, 2013			For the six months ended June 30, 2012(1)			For the year ended December 31, 2012			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income (expense)		2,245			20			2,993			(14,572	)		(17,281	)
Net fee and commission expense		(3,594	)		(1,560	)		(4,130	)		(6,079	)		(6,951	)
Net other operating income		282,039			687,925			687,925			—			95,305
General and administrative expenses		(19,797	)		(19,123	)		(41,597	)		(41,711	)		(31,187	)
Operating profit (loss) before provision for credit losses		260,893			667,262			645,191			(62,362	)		39,886
Provision for credit losses		—			—			—			—			—
Operating profit (loss)		260,893			667,262			645,191			(62,362	)		39,886
Net non-operating expense		(578	)		(178	)		(312	)		(2,863	)		792
Profit (loss) before tax		260,315			667,084			644,879			(65,225	)		40,678
Income tax benefit		356			189			1,356			1,547			897
Profit (loss) for the period		260,671			667,273			646,235			(63,678	)		41,575
Other comprehensive income (loss) for the period, net of tax		10			(12	)		—			—			—
Total comprehensive income (loss) for the period		260,681			667,261			646,235			(63,678	)		41,575
Earnings (losses) per share
Basic earnings (losses) per share (Won)		675			1,727			1,673			(173	)		121
Diluted earnings (losses) per share (Won)		672			1,723			1,668			(173	)		121

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

15

3.3. Other Selected Financial Data

3.3.1. Won-denominated Liquidity Ratio

	(Unit: in billions of Won, %)
Category	First Half 2013			2012			2011
Current assets in Won (A)		55.5			96.2			20.1
Current liabilities in Won (B)		3.4			1.6			2.6
Current ratio (A/B)		1,626.92	%		6,100.82	%		766.16	%

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

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

3.3.2. Selected ratios

	(Unit: %)
Category	First Half  2013(2)		2012		2011
Net income as a percentage of average total assets		0.40		0.60		0.88
Net income as a percentage of average shareholders’ equity		4.64		7.16		11.36

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

(2) Annualized basis

16

3.3.3. 20 Largest Exposures of Kookmin Bank by Borrower

	(As of June 30, 2013)
Company	Credit extended *
	(Unit: in billions of Won)
Hyundai Heavy Industries Co., Ltd.		1,420
Hyundai Steel Co., Ltd.		947
Samsung Heavy Industries Co., Ltd.		884
Daewoo Shipbuilding & Marine Engineering Co., Ltd		828
Samsung Electronics Co., Ltd.		813
Samsung Display Co., Ltd.		673
GS Caltex Corporation		583
Hyundai Capital Services, Inc		574
Bank of China HQ		558
SK Energy Co., Ltd.		525
LG Electronics Inc.		473
KT Corporation		452
S-Oil Corporation		413
Samsung C&T Corporation		410
Landesbank Baden-Wurttemberg		403
Korean Air Lines Co., Ltd.		380
Hyundai Motor Company		378
Daewoo International Corporation		363
LS-Nikko Copper Inc.		351
POSCO		333
Total		11,761

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

17

3.3.4. 10 Largest Exposures of Kookmin Bank by Chaebol Group

	(As of June 30, 2013)
Group	Credit extended *
	(Unit: in billions of Won)
Samsung		4,418
Hyundai Motor		3,736
Hyundai Heavy Industries		2,181
SK		2,031
LG		1,876
POSCO		1,108
GS		1,076
Daewoo Shipbuilding & Marine Engineering		871
Hanwha		821
LS		805
Total		18,923

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

3.3.5. Kookmin Bank’s Loan Concentration by Industry

	(As of June 30, 2013)
Industry	Total Credit		Percentage of Total Credit
	(Unit: in billions of Won, %)
Manufacturing		36,088		35.69
Construction		5,524		5.46
Real estate		16,281		16.10
Retail and wholesale		16,499		16.32
Hotel, leisure and restaurant		6,496		6.42
Finance and insurance		1,760		1.74
Other		18,468		18.27
Total		101,116		100.00

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3.3.6. Top 20 Non-Performing Loans of Kookmin Bank

		(As of June 30, 2013)
	Industry	Total Credit		Allowance for Loan Losses
	(Unit: in billions of Won)
Borrower A	Shipbuilding		351		208
Borrower B	Retail and wholesale		199		0
Borrower C	Shipbuilding		166		121
Borrower D	Shipbuilding		115		31
Borrower E	Manufacturing		103		0
Borrower F	Shipbuilding		85		21
Borrower G	Construction		76		39
Borrower H	Real estate and leasing		64		23
Borrower I	Construction		64		64
Borrower J	Real estate and leasing		55		3
Borrower K	Construction		42		41
Borrower L	Construction		39		39
Borrower M	Arts, sports and recreation related services		38		3
Borrower N	Real estate and leasing		37		22
Borrower O	Electricity, gas, steam and water supply		35		21
Borrower P	Construction		34		29
Borrower Q	Manufacturing		29		5
Borrower R	Shipbuilding		28		9
Borrower S	Manufacturing		27		26
Borrower T	Construction		26		24
Total			1,613		729

3.4. Other Financial Information

See Exhibit 99.1/99.2 KB Financial Group Review Report by our independent auditors for our full consolidated and separate financial statements and relevant notes, which have been prepared in accordance with K-IFRS. The Review Report will also be available on our website, www.kbfg.com.

19

4. Independent Public Accountants

4.1. Audit / Review Services

Period	Auditor	Activity	Compensation(1) (in millions of Won)	Accrued Time (hours)
January 1 to June 30, 2013	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system, and PCAOB audit of consolidated financial statements and internal control over financial reporting	1,219 (annualized basis)	3,426
January 1 to December 31, 2012	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system, and PCAOB audit of consolidated financial statements and internal control over financial reporting	1,150	15,216
January 1 to December 31, 2011	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system and PCAOB audit of consolidated financial statements and internal control over financial reporting	1,150	15,000

(1) Excluding value-added taxes.

4.2. Non-Audit Services

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

(1) Excluding value-added taxes.

20

5. Corporate Governance and Affiliated Companies

5.1. Board of Directors & Committees under the Board

As of July 31, 2013, the board of directors consisted of one executive director and nine non-executive directors. The following committees currently serve under our board of directors:

• Board Steering Committee

• Audit Committee

• Management Strategy Committee

• Risk Management Committee

• Evaluation & Compensation Committee

• Non-Executive Director Nominating Committee

• Audit Committee Member Nominating Committee

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

5.2. Audit Committee

The audit committee oversees our financial reporting and approves the appointment of our independent auditors and internal compliance officers. The committee also reviews our financial information, auditor’s examinations, key financial statement issues, planning and evaluation of internal controls and the administration of our financial affairs by the board of directors. In connection with the general meetings of shareholders, the committee examines the agenda for, and financial statements and other reports to be submitted by, the board of directors to each general meeting of shareholders. The committee holds regular meetings every quarter and on an as-needed basis.

21

5.3. Compensation to Directors

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

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

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

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

(As of June 30, 2013)	(Unit: in millions of Won)
	Total number of persons		Total payment  (1)(3)(4)(5)		Average payment per person  (2)		Total amount of  fair value of stock options		Notes
Registered Directors (including two non-standing directors)		2		765		383		—		—
Non-executive Directors (excluding audit committee members)		4		208		52		—		—
Audit committee members or internal auditor		5		261		52		—		—
Total		11		1,233		112		—		—

(1) Represents the total amount paid (rounded to the nearest million) during the six months ended June 30, 2013.

(2) Represents (i) the total amount paid (rounded to the nearest million) during the six months ended June 30, 2013, divided by (ii) the total number of applicable persons.

(3) Payment subject to the Company’s internal policies on compensation to directors.

(4) In addition to the total payments as presented in the above table, we recorded Won 345 million in our income statement for the six months ended June 30, 2013 with respect to performance-based stock grants, the payment and amount of which are determined in accordance with the performance of the grantees.

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

	(Unit: in Won)
Series	Expected exercise period (Years)	Risk free rate (%)	Fair value (Market performance condition)		Fair value (Non-market performance condition)
Series 2-3	0.72	2.67		—	33,876
Series 4-1	1.03~3.04	2.67		—	34,781~35,854
Series 4-2	1.03~3.04	2.67		—	34,781~35,854

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

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

22

5.4. Affiliated Companies

5.4.1. List of Affiliated Companies

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

• Kookmin Bank (100.00%)

• KB Kookmin Card Co., Ltd. (100.00%)

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

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

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

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

• KB Investment Co., Ltd. (100.00%)

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

• KB Data Systems Co., Ltd. (100.00%)

• KB Savings Bank Co., Ltd. (100.00%)

23

6. Directors, Senior Management and Employees

6.1. Executive Directors

As of July 31, 2013, we had one executive director. The name and position of our executive director and the number of shares of KB Financial Group’s common stock he owned as of July 31, 2013 are set forth below.

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

6.2. Non-Standing Directors

We currently have no non-standing director.

6.3. Non-Executive Directors

Our non-executive directors and the number of shares of KB Financial Group’s common stock they respectively owned as of July 31, 2013 are as follows.

Name	Date of Birth	Position	Common Shares Owned
Kyung Jae Lee	January 1939	Non-Executive Director		—
Jae Wook Bae	March 1945	Non-Executive Director		—
Young Jin Kim	December 1949	Non-Executive Director		—
Kun Ho Hwang	January 1951	Non-Executive Director		500
Jong Cheon Lee	February 1951	Non-Executive Director		—
Seung Hee Koh	June 1955	Non-Executive Director		—
Young Kwa Kim	December 1955	Non-Executive Director		—
Young Nam Lee	September 1957	Non-Executive Director		—
Jae Mok Cho	January 1961	Non-Executive Director		—

24

6.4. Senior Management

In addition to our executive director who is also our executive officer, we currently have the following nine executive officers as of July 31, 2013.

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

6.5. Employees

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

	(Unit: in millions of Won)
	Number of Employees		Average Tenure of Employees (months)		Total Payment  (1)		Average Payment per Person (2)
Total		157		30 months		8,355		53

(1) Represents (i) the total amount paid for the six months ended June 30, 2013 divided by (ii) the total number of employees as of June 30, 2013.

7. Major Shareholders and Related Party Transactions

7.1. Major Shareholders

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

	(Unit: Shares, %)
Name	Number of Shares of Common Stock		Percentage of Total Issued Shares
Korean National Pension Service		34,479,641		8.92
The Bank of New York Mellon Corporation(1)		32,757,442		8.48

* Based on our shareholder registry as of June 12, 2013

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

25

7.2. Changes in the Largest Shareholder

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

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

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

7.3. Employee Stock Ownership Association

(As of June 30, 2013)	(Unit: Shares)
Company Name	Number of shares		Type of shares
KB Financial Group		18,034	Common Stock
Kookmin Bank		2,789,763	Common Stock
KB Kookmin Card Co., Ltd.		132,874	Common Stock
KB Investment & Securities Co., Ltd.		25,194	Common Stock
KB Life Insurance Co., Ltd.		18,415	Common Stock
KB Asset Management Co., Ltd.		6,225	Common Stock
KB Real Estate Trust Co., Ltd.		12,636	Common Stock
KB Investment Co., Ltd.		4,220	Common Stock
KB Credit Information Co., Ltd.		14,201	Common Stock
KB Data Systems Co., Ltd.		19,039	Common Stock
KB Savings Bank Co., Ltd.		2,325	Common Stock
Total		3,042,926	Common Stock

26

7.4. Investments in Certain Affiliated Companies

(As of June 30, 2013)							(Units: shares, millions of Won, %)
Name	Ending Balance						Total Assets as of the latest fiscal year(1)		Net Income (loss) for the latest fiscal year(1)			Notes
	Number of shares		Shareholding percentage		Book value
Kookmin Bank(2)		404,379,116		100		14,821,721		258,555,016		1,299,589			(6	)
KB Kookmin Card Co., Ltd. (2)		92,000,000		100		1,953,175		14,046,164		291,173			(6	)
KB Investment & Securities Co., Ltd.(3)		31,588,314		100		507,212		3,834,076		19,315			(7	)
KB Life Insurance Co., Ltd. (4)		55,200,000		100		305,312		6,302,134		9,326			(7	)
KB Asset Management Co., Ltd.		7,667,550		100		96,312		170,493		36,247			(7	)
KB Real Estate Trust Co., Ltd.		16,000,000		100		121,553		201,572		21,446			(6	)
KB Investment Co., Ltd.		8,951,797		100		104,910		134,005		6,832			(6	)
KB Credit Information Co., Ltd.		1,252,400		100		23,621		30,422		331			(6	)
KB Data Systems Co., Ltd.		800,000		100		6,334		25,519		(1,461	)		(6	)
KB Savings Bank Co., Ltd.(5)		6,800,000		100		171,526		680,266		(28,299	)		(8	)
Total		624,639,177		—		18,111,676		—		—

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

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

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

(4) Reflects the Company’s acquisition of the remaining shares from ING Bank N.V. on June 20, 2013.

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

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

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

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

7.5. Related Party Transactions

7.5.1. Prepayments and Loans to Subsidiaries

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

27

SIGNATURES

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

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