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 March 2014

Commission File Number: 000-53445

KB Financial Group Inc.

(Translation of registrant’s name into English)

84, Namdaemoon-ro, Jung-gu, Seoul 100-703, Korea

(Address of principal executive office)

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

Form 20-F  x            Form 40-F  ¨

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

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

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

Yes  ¨            No   x

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

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	6
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
5.	Corporate Governance and Affiliated Companies	20
5.1.	Board of Directors & Committees under the Board	20
5.2.	Audit Committee	21
5.3.	Compensation to Directors	21
5.4.	Affiliated Companies	22
6.	Directors, Senior Management and Employees	23
6.1.	Executive Directors	23
6.2.	Non-Executive Directors	23
6.3.	Senior Management	24
6.4.	Employees	24
7.	Major Shareholders and Related Party Transactions	24
7.1.	Major Shareholders	24
7.2.	Changes in the Largest Shareholder	25
7.3.	Employee Stock Ownership Association	25
7.4.	Investments in Certain Affiliated Companies	26
7.5.	Related Party Transactions	26

2

Summary of Business Report for Fiscal Year 2013

On March 31, 2014, KB Financial Group Inc. (“KB Financial Group”) filed its business report for the fiscal year ended December 31, 2013 (the “Business Report”) with the Financial Services Commission of Korea and the Korea Exchange. This is a summary of the Business Report translated into English.

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

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

3

1. Introduction to the Company

1.1. Business Purpose

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

1.2. History

• September 26, 2008

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

• September 29, 2008

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

• October 10, 2008

Listing on the Korea Exchange

• October 20, 2008

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

• October 31, 2008

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

• May 4, 2009

Added Kookmin Bank Cambodia PLC as a second-tier subsidiary

• June 22, 2009

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

• September 28, 2009

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

• December 1, 2009

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

• January 22, 2010

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

• July 6, 2010

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

• December 13, 2010

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

4

• March 2, 2011

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

• March 14, 2011

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

• July 8, 2011

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

• November 12, 2011

Closed KB Investment & Securities Hong Kong Ltd.

• January 13, 2012

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

• May 11, 2012

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

• June 8, 2012

Liquidated Burrill-KB Life Sciences Fund Ltd.

• July 2, 2012

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

• October 10, 2012

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

• June 20, 2013

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

• September 2, 2013

Added Yehansoul Savings Bank as a first-tier subsidiary

• January 13, 2014

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

• March 20, 2014

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

5

1.3. Overview of the Business Group

(As of December 31, 2013)
Type	Name of Company	Controlling Company	Remarks
Holding Company	KB Financial Group	—	Listed
1st Tier Subsidiaries	Kookmin Bank	KB Financial Group	Not listed
	KB Kookmin Card Co., Ltd.	KB Financial Group	Not listed
	KB Investment & Securities Co., Ltd.	KB Financial Group	Not listed
	KB Life Insurance Co., Ltd.	KB Financial Group	Not listed
	KB Asset Management Co., Ltd.	KB Financial Group	Not listed
	KB Real Estate Trust Co., Ltd.	KB Financial Group	Not listed
	KB Investment Co., Ltd.	KB Financial Group	Not listed
	KB Credit Information Co., Ltd.	KB Financial Group	Not listed
	KB Data Systems Co., Ltd.	KB Financial Group	Not listed
	KB Savings Bank Co., Ltd.	KB Financial Group	Not listed
	Yehansoul Savings Bank	KB Financial Group	Not listed
2nd Tier Subsidiaries	Kookmin Bank Hong Kong Ltd.	Kookmin Bank	Not listed
	Kookmin Bank International Ltd.	Kookmin Bank	Not listed
	Kookmin Bank Cambodia PLC	Kookmin Bank	Not listed
	Kookmin Bank (China) Ltd.	Kookmin Bank	Not listed
	KB-Glenwood Private Equity Fund No.1	KB Investment & Securities	Not listed
	NPS-KBIC Private Equity Fund No. 1	KB Investment	Not listed
	KBIC No.3 PEF	KB Investment	Not listed
	KoFC KBIC Frontier Champ 2010-5 PEF	KB Investment	Not listed
	KoFC POSCO HANWHA KB Shared Growth No. 2. Private Equity Fund	KB Investment	Not listed
	KoFC Value-up Private Equity Fund	KB Investment	Not listed

Notes:

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

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

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

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

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

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

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

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

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

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

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

1.4. Capital Structure

1.4.1. Common Shares

Capital Increase

(As of December 31, 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%

6

Number of Shares

(As of December 31, 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

1.4.2. Voting Rights

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

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

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

(3) Restated as a result of retroactive application of an amendment to K-IFRS 1019.

7

2. Business

2.1. Results of Operations

	For the year ended December 31, 2013			For the year ended December 31, 2012(1)			For the year ended December 31, 2011
Net interest income		6,522,832			7,037,783			7,104,512
Interest income		12,356,930			14,210,106			13,956,257
Interest expense		(5,834,098	)		(7,172,323	)		(6,851,745	)
Net fee and commission income		1,479,239			1,566,706			1,794,750
Fee and commission income		2,657,365			2,753,876			2,829,754
Fee and commission expense		(1,178,126	)		(1,187,170	)		(1,035,004	)
Net gains (losses) on financial assets/liabilities at fair value through profit or loss		756,822			811,964			1,035,867
Net other operating income (expenses)		(1,304,765	)		(1,531,942	)		(1,092,009	)
General and administrative Expenses		(3,983,564	)		(3,845,610	)		(3,931,808	)
Operating profit before provision for credit losses		3,470,564			4,038,901			4,911,312
Provision for credit losses		(1,443,572	)		(1,606,703	)		(1,512,978	)
Net operating profit		2,026,992			2,432,198			3,398,334

* Note:    Prepared on a consolidated basis.

(1) Restated as a result of retroactive application of the adoption of K-IFRS 1110 and an amendment to 1019.

8

2.2. Sources and Uses of Funds

2.2.1. Sources of Funds

		(Unit: in millions of Won, %)
		For the year ended December 31, 2013						For the year ended December 31, 2012(1)						For the year ended December 31, 2011
		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)
Won Currency	Deposits		180,330,345		2.49		63.46		181,850,183		3.10		64.01		169,714,084		3.02		63.38
	Certificate of deposit		1,780,230		3.01		0.63		1,734,611		3.88		0.61		1,745,901		3.90		0.65
	Borrowings		5,187,862		2.58		1.83		5,308,486		2.86		1.87		4,593,395		3.01		1.72
	Call money		3,716,812		2.57		1.31		3,562,595		3.02		1.25		1,779,391		3.01		0.66
	Debentures		22,072,602		4.31		7.77		21,002,427		5.17		7.39		24,454,683		5.37		9.13
	Other		3,199,161		2.74		1.13		3,188,139		3.59		1.12		3,713,710		3.50		1.39
Subtotal			216,287,012		2.69		76.13		216,646,441		3.30		76.25		206,001,164		3.31		76.93
Foreign currency	Deposits		5,172,485		0.79		1.82		5,289,517		0.97		1.86		3,394,042		0.64		1.27
	Borrowings		6,961,080		0.59		2.45		8,339,079		0.91		2.96		7,464,052		0.92		2.79
	Call money		961,747		0.41		0.34		1,224,909		0.55		0.43		896,482		0.84		0.33
	Debentures		3,248,259		7.33		1.14		3,549,616		4.96		1.25		3,945,798		4.96		1.47
	Other		260,195		1.14		0.09		203,426		1.34		0.07		134,421		0.59		0.05
Subtotal			16,603,766		1.97		5.84		18,666,547		1.68		6.57		15,834,795		1.86		5.91
Other	Total shareholders’ equity		25,499,740		—		8.97		24,431,702		—		8.61		22,823,040		—		8.52
	Allowances		736,008		—		0.26		901,913		—		0.32		1,096,724		—		0.41
	Other		25,043,332		—		8.80		23,452,276		—		8.25		22,049,153		—		8.23
Subtotal			51,279,080		—		18.03		48,785,891		—		17.18		45,968,917		—		17.16
Total			284,169,858		—		100.00		284,098,879		—		100.00		267,804,876		—		100.00

Note: Prepared on a consolidated basis.

(1) Restated as a result of retroactive application of the adoption of K-IFRS 1110 and an amendment to 1019.

9

2.2.2. Uses of Funds

		For the year ended December 31, 2013								For the year ended December 31, 2012(1)								For the year ended December 31, 2011
		Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)
Won currency	Due from banks		4,921,197			2.75		1.73			3,978,175			3.66		1.40			1,622,223			3.75		0.61
	Securities		45,223,896			3.63		15.91			45,292,632			4.39		15.94			41,166,103			4.60		15.38
	Loans		186,666,145			4.62		65.69			188,233,803			5.43		66.27			179,786,245			5.63		67.14
	Guarantee payments under payment guarantee		48,836			1.34		0.02			68,419			0.73		0.02			142,018			0.26		0.05
	Call loan		1,113,932			2.76		0.39			1,581,952			3.20		0.56			1,345,886			3.18		0.50
	Private placement corporate bonds		669,077			5.34		0.24			679,954			6.78		0.24			1,361,495			5.88		0.51
	Credit cards		11,608,865			10.70		4.09			12,076,314			11.14		4.25			12,377,664			10.82		4.62
	Other		7,005,212			5.75		2.46			4,881,932			6.00		1.72			1,963,980			11.42		0.73
	Allowance		(3,337,963	)		—		(1.17	)		(3,514,211	)		—		(1.25	)		(3,654,789	)		—		(1.36	)
Subtotal			253,919,197			4.77		89.36			253,278,970			5.57		89.15			236,110,825			5.83		88.18
Foreign currency	Due from banks		984,258			1.10		0.35			829,485			1.79		0.29			676,389			2.05		0.25
	Securities		1,039,047			2.38		0.37			1,237,230			3.06		0.44			1,693,605			3.82		0.63
	Loans		9,151,081			1.99		3.22			9,746,662			2.24		3.43			9,355,591			2.21		3.49
	Call loan		1,778,838			0.55		0.62			1,728,696			0.70		0.61			1,236,257			0.74		0.46
	Bills bought		2,357,512			1.46		0.83			2,931,390			1.97		1.03			2,432,861			2.08		0.91
	Allowance		(166,194	)		—		(0.06	)		(178,772	)		—		(0.06	)		(206,220	)		—		(0.08	)
	Other		2,354			—		—			1,899			—		0.00			1,270			—		0.00
Subtotal			15,146,896			1.73		5.33			16,296,590			2.09		5.74			15,189,753			2.27		5.66
Other	Cash		1,629,765			—		0.57			1,617,802			—		0.57			1,506,765			—		0.56
	Fixed assets held for business		3,190,345			—		1.12			3,211,797			—		1.13			3,223,574			—		1.20
	Other		10,283,655			—		3.62			9,693,720			—		3.41			11,773,959			—		4.40
Subtotal			15,103,765			—		5.31			14,523,319			—		5.11			16,504,298			—		6.16
Total			284,169,858			—		100.00			284,098,879			—		100.00			267,804,876			—		100.00

Note: Prepared on a consolidated basis.

(1) Restated as a result of retroactive application of the adoption of K-IFRS 1110 and an amendment to 1019.

10

2.3. Other Information to Consider in Making an Investment Decision

2.3.1. Capital Adequacy

KB Financial Group	(Unit: in millions of Won, %)
	As of December 31, 2013(1)		As of December 31, 2012(2)		As of December 31, 2011(2)
Total Capital (A)		27,296,535		26,907,004		25,062,681
Risk-weighted assets (B)		177,514,060		193,510,143		192,812,547
BIS ratio (A/B)(3)		15.38		13.90		13.00

(1) Calculated in accordance with Basel III

(2) Calculated in accordance with Basel I

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

Kookmin Bank	(Unit: in billions of Won, %)
	As of December 31, 2013(1)		As of December 31, 2012 (2)		As of December 31, 2011(2)
Total Capital (A)		22,624		21,391		19,668
Risk-weighted assets (B)		146,743		148,544		145,185
BIS ratio (A/B)		15.42		14.40		13.55

(1) Calculated in accordance with Basel III

(2) Calculated in accordance with Basel II

2.3.2. Credit ratings

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

(1) Redeemed in full as of December 31, 2013.

(2) Formerly NICE Ratings.

11

3. Financial Information

3.1. Consolidated Condensed Financial Information

3.1.1. Consolidated Statements of Financial Position

	(Unit: in millions of Won)
	As of December 31, 2013		As of December 31, 2012(1)		As of December 31, 2011		As of December 31, 2010			As of January 1, 2010
Cash and due from financial institutions		14,792,654		10,592,605		9,178,125		6,829,828			9,102,630
Financial assets at fair value through profit or loss		9,328,742		9,559,719		6,326,104		4,013,313			4,592,491
Derivative financial assets		1,819,409		2,091,285		2,448,455		2,595,121			3,392,391
Loans		219,001,356		213,644,791		212,107,027		197,621,004			196,686,844
Financial investments		34,849,095		36,467,352		35,432,182		36,189,650			35,036,710
Investments in associates		755,390		934,641		892,132		723,411			614,717
Property and equipment		3,060,843		3,100,393		3,186,020		3,150,260			3,257,911
Investment property		166,259		52,974		51,552		52,921			67,977
Intangible assets		443,204		493,131		468,441		504,920			402,577
Deferred income tax assets		15,422		18,432		22,329		4,045			16,504
Assets held for sale		37,718		35,412		9,931		9,353			20,160
Other assets		7,568,063		8,760,319		7,478,519		7,076,796			6,968,059
Total assets		291,838,155		285,751,054		277,600,817		258,770,622			260,158,971
Financial liabilities at fair value through profit or loss		1,115,202		1,851,135		1,388,079		1,294,859			1,364,223
Derivative financial liabilities		1,795,339		2,054,742		2,059,573		2,236,359			3,138,394
Deposits		200,882,064		197,346,205		190,337,590		179,862,071			169,065,043
Debts		14,101,331		15,965,458		16,823,838		11,744,389			13,834,104
Debentures		27,039,534		24,270,212		27,069,879		29,107,316			38,661,962
Provisions		678,073		669,729		797,739		1,020,070			576,154
Defined benefit liabilities		64,473		83,723		128,488		125,463			167,387
Current income tax liabilities		211,263		264,666		588,825		29,641			99,752
Deferred income tax liabilities		61,816		154,303		220,842		283,575			404,639
Other liabilities		20,236,229		18,327,740		15,086,169		13,400,949			13,416,625
Total liabilities		266,185,324		260,987,913		254,501,022		239,104,692			240,728,283
Equity attributable to shareholders of the Company		25,652,831		24,568,619		22,917,975		18,496,687			18,349,693
Share capital		1,931,758		1,931,758		1,931,758		1,931,758			1,931,758
Capital surplus		15,854,605		15,840,300		15,841,824		15,990,278			15,990,618
Accumulated other comprehensive income		336,312		295,142		191,642		430,572			350,941
Retained earnings		7,530,156		6,501,419		4,952,751		2,620,888			2,553,185
Treasury shares		—		—		—		(2,476,809	)		(2,476,809	)
Non-controlling interests		—		194,522		181,820		1,169,243			1,080,995
Total equity		25,652,831		24,763,141		23,099,795		19,665,930			19,430,688
Total liabilities and equity		291,838,155		285,751,054		277,600,817		258,770,622			260,158,971
Number of consolidated companies		100		93		67		58			50

(1) Restated as a result of retroactive application of the adoption of K-IFRS 1110 and an amendment to 1019.

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3.1.2. Consolidated Statements of Comprehensive Income

	(Unit: in millions of Won, except per share amounts)
	For the year ended December 31, 2013			For the year ended December 31, 2012(1)			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income		6,522,832			7,037,783			7,104,512			6,173,804
Net fee and commission income		1,479,239			1,566,706			1,794,750			1,704,714
Net gains (losses) on financial assets/liabilities at fair value through profit or loss		756,822			811,964			1,035,867			814,808
Net other operating income (loss)		(1,304,765	)		(1,531,942	)		(1,092,009	)		(1,067,343	)
General and administrative expenses		(3,983,564	)		(3,845,610	)		(3,931,808	)		(4,366,629	)
Operating profit before provision for credit losses		3,470,564			4,038,901			4,911,312			3,259,354
Provision for credit losses		(1,443,572	)		(1,606,703	)		(1,512,978	)		(2,871,417	)
Net operating profit		2,026,992			2,432,198			3,398,334			387,937
Net non-operating profit (loss)		(211,701	)		(133,554	)		(137,528	)		(238,569	)
Profit before income tax		1,815,291			2,298,644			3,260,806			149,368
Income tax benefit (expense)		(551,586	)		(558,511	)		(832,234	)		70,541
Profit for the period		1,263,705			1,740,133			2,428,572			219,909
Other comprehensive income (loss) for the year, net of tax		26,902			144,719			(235,748	)		99,329
Total comprehensive income for the year		1,290,607			1,884,852			2,192,824			319,238
Profit attributable to:		1,263,705			1,740,133			2,428,572			219,909
Shareholders of the parent company		1,260,509			1,731,034			2,373,026			146,600
Non-controlling interests		3,196			9,099			55,546			73,309
Total comprehensive income for the year attributable to:		1,290,607			1,884,852			2,192,824			319,238
Shareholders of the parent company		1,301,679			1,865,137			2,134,096			226,231
Non-controlling interests		(11,072	)		19,715			58,728			93,007
Earnings per share
Basic earnings per share (Won)		3,263			4,480			6,461			427
Diluted earnings per share (Won)		3,249			4,467			6,445			427

(2) Restated as a result of retroactive application of the adoption of K-IFRS 1110 and an amendment to 1019.

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3.2. Separate Condensed Financial Information

3.2.1. Separate Statements of Financial Position

	(Unit: in millions of Won)
	As of December 31, 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		77,298			96,234			32,031		759,998		845,366
Loans		10,000			25,000			60,000		160,000		170,000
Investments in subsidiaries		18,292,443			17,944,848			17,773,322		17,673,322		17,612,122
Property and equipment		642			351			759		1,109		1,718
Intangible assets		10,133			9,122			10,531		11,057		9,176
Current income tax assets		0			0			0		125,423		0
Deferred income tax assets		4,203			3,800			2,445		898		0
Other assets		269,823			310,673			631,602		48,105		25,932
Total assets		18,664,542			18,390,028			18,510,690		18,779,912		18,664,314
Debts		0			0			130,000		0		0
Debentures		349,157			0			49,988		799,353		798,421
Defined benefit liabilities		1,433			1,384			992		1,134		1,049
Current income tax liabilities		209,928			257,535			578,729		0		0
Other liabilities		55,602			46,767			34,701		158,304		6,401
Total liabilities		616,120			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		(2,715	)		(2,780	)		0		0		0
Retained earnings		2,605,570			2,641,555			2,270,713		2,375,554		2,412,876
Total equity		18,048,422			18,084,342			17,716,280		17,821,121		17,858,443
Total Liabilities and Equity		18,664,542			18,390,028			18,510,690		18,779,912		18,664,314

(1) Restated as a result of retroactive application of an amendment to K-IFRS 1019.

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3.2.2. Separate Statements of Comprehensive Income

	(Unit: in millions of Won, except per share amounts)
	For the year ended December 31, 2013			For the year ended December 31, 2012(1)			For the year ended December 31, 2011			For the year ended December 31, 2010
Net interest income (expense)		(1,368	)		2,993			(14,572	)		(17,281	)
Net fee and commission expense		(6,270	)		(4,130	)		(6,079	)		(6,951	)
Net other operating income		245,044			687,925			—			95,305
General and administrative expenses		(40,657	)		(40,459	)		(41,711	)		(31,187	)
Operating profit before provision for credit losses		196,749			646,329			(62,362	)		39,886
Provision for credit losses		0			0			—			—
Operating profit (loss)		196,749			646,329			(62,362	)		39,886
Net non-operating income (expense)		(1,346	)		(312	)		(2,863	)		792
Profit (loss) before tax		195,403			646,017			(65,225	)		40,678
Income tax benefit		423			1,080			1,547			897
Profit (loss) for the period		195,826			647,097			(63,678	)		41,575
Other comprehensive income (loss) for the period, net of tax		65			(862	)		0			0
Total comprehensive income (loss) for the period		195,891			646,235			(63,678	)		41,575
Earnings (loss) per share
Basic earnings (loss) per share (Won)		507			1,675			(173	)		121
Diluted earnings (loss) per share (Won)		505			1,670			(173	)		121

(1) Restated as a result of retroactive application of an amendment to K-IFRS 1019.

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3.3. Other Selected Financial Data

3.3.1. Won-denominated Liquidity Ratio

	(Unit: in billions of Won, %)
Category	2013			2012			2011
Current assets in Won (A)		77.6			96.2			20.1
Current liabilities in Won (B)		1.3			1.6			2.6
Current ratio (A/B)		5,934.85	%		6,100.82	%		766.16	%

Notes:

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

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

3.3.2. Selected ratios

	(Unit: %)
Category	2013		2012		2011
Net income as a percentage of average total assets		0.43		0.60		0.88
Net income as a percentage of average shareholders’ equity		5.03		7.16		11.36

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

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3.3.3. 20 Largest Exposures of Kookmin Bank by Borrower

	(As of December 31, 2013)
Company	Credit extended *
	(Unit: in billions of Won)
Hyundai Heavy Industries Co., Ltd.		1,355
Hyundai Steel Co., Ltd.		903
Samsung Electronics Co., Ltd.		801
Daewoo Shipbuilding & Marine Engineering Co., Ltd.		775
Samsung Display Co., Ltd.		582
Hyundai Capital Services, Inc.		549
GS Caltex Corporation		526
KT Corporation		473
LG Electronics Inc.		427
SK Energy Co., Ltd.		416
Daewoo International Corporation		413
Samsung Heavy Industries Co., Ltd.		412
Samsung Everland Inc.		408
ICBC HQ		377
Bank of Communication		364
POSCO		355
Korean Air Lines Co., Ltd.		336
Bank of China HQ		306
Incheon Bridge		288
Hyundai Engineering & Construction		283
Total		10,349

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

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3.3.4. 10 Largest Exposures of Kookmin Bank by Chaebol Group

	(As of December 31, 2013)
Group	Credit extended *
	(Unit: in billions of Won)
Samsung		3,776
Hyundai Motor		3,136
LG		1,980
SK		1,870
Hyundai Heavy Industries		1,469
GS		1,325
POSCO		1,028
Daewoo Shipbuilding & Marine Engineering		821
Lotte		820
Hanwha		778
Total		17,003

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

3.3.5. Kookmin Bank’s Loan Concentration by Industry

	(As of December 31, 2013)
Industry	Total Credit		Percentage of Total Credit
	(Unit: in billions of Won, %)
Manufacturing		34,480		35.13
Construction		4,838		4.93
Real estate		16,426		16.73
Retail and wholesale		15,254		15.54
Hotel, lodging and food service		6,388		6.51
Financial institutions		1,863		1.90
Other		18,911		19.26
Total		98,160		100.00

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3.3.6. Top 20 Non-Performing Loans of Kookmin Bank

		(As of December 31, 2013)
	Industry	Total Credit		Allowance for Loan Losses
	(Unit: in billions of Won)
Borrower A	Shipbuilding		185		98
Borrower B	Real estate and leasing		146		8
Borrower C	Shipbuilding		114		30
Borrower D	Construction		80		57
Borrower E	Construction		65		64
Borrower F	Finance and Insurance		49		47
Borrower G	Construction		46		39
Borrower H	Construction		42		41
Borrower I	Shipbuilding		38		20
Borrower J	Arts, sports and recreation related services		37		37
Borrower K	Construction		32		31
Borrower L	Construction		31		29
Borrower M	Real estate and leasing		30		3
Borrower N	Real estate and leasing		30		13
Borrower O	Manufacturing		29		5
Borrower P	Shipbuilding		28		9
Borrower Q	Real estate and leasing		28		2
Borrower R	Manufacturing		26		9
Borrower S	Manufacturing		25		24
Borrower T	Real estate and leasing		25		2
Total			1,086		568

3.4. Other Financial Information

See Form 6-K filed by the Company on March 14, 2014, which contains the Company’s audited consolidated and separate financial statements and relevant notes as of and for the years ended December 31, 2012 and 2013 which have been prepared in accordance with K-IFRS. The Company’s audited consolidated and separate financial statements are also available on its website, www.kbfg.com.

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4. Independent Public Accountants

Audit / Review Services

Period	Auditor	Activity	Compensation(1) (in millions of Won)		Accrued Time (hours)
January 1 to December 31, 2013	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system, and PCAOB audit of consolidated financial statements and internal control over financial reporting		1,219		15,940
January 1 to December 31, 2012	Samil PricewaterhouseCoopers	Quarterly / first half and annual review & audit, review of internal accounting management system and PCAOB audit of consolidated financial statements and internal control over financial reporting		1,150		15,216
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.

5. Corporate Governance and Affiliated Companies

5.1. Board of Directors & Committees under the Board

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

• Board Steering Committee

• Audit Committee

• Management Strategy Committee

• Risk Management Committee

• Evaluation & Compensation Committee

• Non-Executive Director Nominating Committee

• Audit Committee Member Nominating Committee

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

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5.2. Audit Committee

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

5.3. Compensation to Directors

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

Total Amount Approved at the Meeting of Shareholders

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

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

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

Total Amount Paid as of December 31, 2013

	(Unit: in millions of Won)
	Total number of persons(1)		Total compensation (2)(4)(5)(6)		Average compensation per person (3)		Total amount of fair value of stock options		Notes
Registered Directors (excluding non-executive directors)		1		2,194		1,039		—		—
Non-executive Directors (excluding audit committee members)		3		458		115		—		—
Audit committee members or internal auditor		5		465		93		—		—
Total		9		3,117		281		—		—

(1) Represents the total number of applicable persons as of December 31, 2013.

(2) Represents the total amount paid (rounded to the nearest million) for the year ended December 31, 2013.

(3) Represents (i) the total amount paid (rounded to the nearest million) for the year ended December 31, 2013, divided by (ii) the annualized number of applicable persons.

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

(5) In addition to the total payments as presented in the above table, we recorded a reversal of Won 1,014 million in our income statement for the year ended December 31, 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	0.24		2.67		—	42,113
Series 4-1	0.53~2.53		2.67		—	42,562~43,760
Series 4-2	0.53~2.53		2.67		—	42,562~43,760

(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 December 31, 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.

Compensation – Individual Basis

	(Unit: in millions of Won)
Name	Position	Total Compensation(1)		Additional Compensation(2)
Young-Rok Lim	Chairman and Chief Executive Officer		362	Grant of 10,968 long-term performance shares
Young-Rok Lim	Former President		833	Grant of 8,187 long-term performance shares
Yoon-Dae Euh	Former Chairman and Chief Executive Officer		991	Grant of 9,792 long-term performance shares

(1) Includes performance based short-term incentive payments made in the first quarter of 2013 with respect to services performed in 2012.

(2) Based on performance during term of office in 2013. The amount of disbursement, if any, of the long-term incentive performance shares will be determined at a later date.

5.4. Affiliated Companies

5.4.1. List of Affiliated Companies

Affiliated companies of KB Financial Group that are first-tier subsidiaries and KB Financial Group’s ownership of such companies as of December 31, 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%)

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• KB Investment Co., Ltd. (100.00%)

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

• KB Data Systems Co., Ltd. (100.00%)

• KB Savings Bank Co., Ltd. (100.00%)

• Yehansoul Savings Bank (100.00%)

6. Directors, Senior Management and Employees

6.1. Executive Directors

As of March 28, 2014, we had one executive director. The name and position of our executive director and the number of shares of KB Financial Group’s common stock he owned as of March 28, 2014 are set forth below.

Name	Date of Birth	Position	Common Shares Owned
Young-Rok Lim	March 1955	Chairman & Chief Executive Officer		8,000

6.2. Non-Executive Directors

Our non-executive directors and the number of shares of KB Financial Group’s common stock they respectively owned as of March 28, 2014 are as follows.

Name	Date of Birth	Position	Common Shares Owned
Kyung Jae Lee	January 1939	Non-Executive Director		—
Young Jin Kim	December 1949	Non-Executive Director		—
Kun Ho Hwang	January 1951	Non-Executive Director		—
Jong Cheon Lee	February 1951	Non-Executive Director		—
Jae Ho Cho	January 1955	Non-Executive Director		—
Seung Hee Koh	June 1955	Non-Executive Director		—
Young Kwa Kim	December 1955	Non-Executive Director		—
Myung Jig Kim	October 1959	Non-Executive Director		—
Sung Hwan Shin	February 1963	Non-Executive Director		—

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6.3. Senior Management

In addition to our executive director who is also our executive officer, we currently have the following nine executive officers as of March 28, 2014.

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

Notes: Change in Senior Management after the reporting period

• Sang-Hwan Kim and Jong-Hee Yang were newly appointed as managing directors as of January 1, 2014 and Min Kyu Chung was newly appointed as a managing director as of January 27, 2014.

6.4. Employees

The following table shows the breakdown of our employees as of December 31, 2013.

	(Unit: in millions of Won)
	Number of Employees		Average Tenure of Employees (months)		Total Payment (1)		Average Payment per Person (2)
Total		151		31 months		16,401		106

(1) Represents the total amount paid for the year ended December 31, 2013.

(2) Represents (i) the total amount paid for the year ended December 31, 2013 divided by (ii) the annualized number of employees.

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 December 31, 2013.

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

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

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7.2. Changes in the Largest Shareholder

(As of December 31, 2013)	(Unit: Shares, %)
Name of Largest Shareholder	Date of Change in Largest Shareholder/ Date of Change in Ownership Level		Number of Shares of Common Stock		Percentage of Total Issued Shares(1)
Korean National Pension Service		September 30, 2008		17,910,781		5.03
ING Bank N.V.		October 20, 2008		18,045,337		5.06
Korean National Pension Service		October 31, 2008		21,675,810		6.08
Korean National Pension Service		December 31, 2008		23,284,404		6.53
Korean National Pension Service		February 4, 2009		23,271,087		6.53
Korean National Pension Service		March 27, 2009		22,548,541		6.33
Korean National Pension Service		May 29, 2009		19,653,362		5.52
Korean National Pension Service		July 27, 2009		19,673,220		5.52
Korean National Pension Service		September 2, 2009		21,199,372		5.49
Korean National Pension Service		December 7, 2009		20,321,051		5.26
Korean National Pension Service		December 31, 2009		20,046,217		5.19
ING Bank N.V.		January 22, 2010		19,401,044		5.02
Korean National Pension Service		July 8, 2011		23,650,699		6.12
Korean National Pension Service		December 31, 2011		26,510,171		6.86
Korean National Pension Service		March 14, 2012		27,894,880		7.22
Korean National Pension Service		August 1, 2012		31,817,770		8.24
Korean National Pension Service		December 31, 2012		33,158,257		8.58
Korean National Pension Service		June 12, 2013		34,479,641		8.92
Korean National Pension Service		July 23, 2013		35,699,841		9.24
Korean National Pension Service		December 31, 2013		38,476,974		9.96

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

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

7.3. Employee Stock Ownership Association

(As of December 31, 2013)	(Unit: Shares)
Company Name	Number of shares		Type of shares
KB Financial Group		17,132	Common Stock
Kookmin Bank		2,652,254	Common Stock
KB Kookmin Card Co., Ltd.		125,848	Common Stock
KB Investment & Securities Co., Ltd.		19,518	Common Stock
KB Life Insurance Co., Ltd.		17,687	Common Stock
KB Asset Management Co., Ltd.		5,905	Common Stock
KB Real Estate Trust Co., Ltd.		11,224	Common Stock
KB Investment Co., Ltd.		3,892	Common Stock
KB Credit Information Co., Ltd.		11,747	Common Stock
KB Data Systems Co., Ltd.		17,543	Common Stock
KB Savings Bank Co., Ltd.		2,325	Common Stock
Total		2,885,075	Common Stock

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7.4. Investments in Certain Affiliated Companies

(As of December 31, 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)
	Number of shares		Shareholding percentage		Book value
Kookmin Bank(2)		404,379,116		100		14,821,721		262,425,001		877,468
KB Kookmin Card Co., Ltd. (2)		92,000,000		100		1,953,175		15,854,982		384,830
KB Investment & Securities Co., Ltd.(3) (4)		31,588,314		100		507,212		2,524,430		5,421
KB Life Insurance Co., Ltd. (4)		91,200,000		100		485,314		6,942,441		3,132
KB Asset Management Co., Ltd. (4)		7,667,550		100		96,312		232,766		63,352
KB Real Estate Trust Co., Ltd.		16,000,000		100		121,553		182,657		2,110
KB Investment Co., Ltd.		8,951,797		100		104,910		137,949		2,866
KB Credit Information Co., Ltd.		1,252,400		100		23,621		30,142		(336	)
KB Data Systems Co., Ltd.		800,000		100		6,334		21,753		19
KB Savings Bank Co., Ltd.(5)		6,800,000		100		134,531		584,025		(301	)
Yehansoul Savings Bank(6)		8,748,793		100		37,760		189,243		(5,331	)
Total		669,387,970		—		18,292,443		289,125,389		1,333,230

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

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

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

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

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

7.5. Related Party Transactions

Prepayments and Loans to Subsidiaries

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

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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: March 31, 2014	By:/s/ Woong-Won Yoon
	(Signature)
	Name:	Woong-Won Yoon
	Title:	Deputy President & CFO

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