Pusan Bank 1 Q 2007 Financial Results April

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Pusan Bank 1 Q 2007 Financial Results April 18, 2007 Sung Tae Jung Senior EVP www. pusanbank. co. kr/english. html

Contents Appendix 1 Q 2007 Results v Income Statement Summary 5 v Loans 6 v Asset Quality 7 v Delinquency Ratios 9 v SME Loan Asset Quality 16 v SME Loan Delinquency Ratio 17 v Household Loan Portfolio 18 19 20 v Credit Card Asset Quality 21 v Interest Income 22 v Fee & Commission Income 23 8 v Deposits 15 v Credit Card Business 4 v Corporate Won Loan Portfolio v Household Loan Asset Quality v Key Financial Indicators v NIM & NIS 10 v Provisioning 11 v Capital Adequacy 12 v Balance Sheet Summary 24 v Shareholding Structure & Dividend 13 v Securities Investment 25 Disclaimer The financial information presented herein is prepared on the basis of pre-audited financial statement of Pusan Bank and is based upon the plans, strategies and expectations of the bank’s management. All information described in this presentation should be treated as forward looking statements that are subject to risks and uncertainties. Actual results could vary materially from the expectations reflected in this presentation, thus the statements presented herein do not purport to be a complete description of the bank’s operations or future developments. Readers are cautioned not to place undue reliance on these statements, which speak only as of the date of this presentation. Pusan bank does not undertake any obligation to publicly release any revisions to these statements to reflect any future events 2007 Guidance v Key Financial Indicators 27 v Deposits & Loans 28 v Income Statement 29 v Balance Sheet 30 www. pusanbank. co. kr/english. html

1 Q 2007 Results v Key Financial Indicators 4 v Income Statement Summary 5 v Loans 6 v Asset Quality 7 v Delinquency Ratios 8 v Deposits 9 v NIM & NIS 10 v Provisioning 11 v Capital Adequacy 12 v Shareholding Structure & Dividend 13 www. pusanbank. co. kr/english. html

Key Financial Indicators Unit : W, Wbn, %, times 2007 2006 2005 Ending Balance 1 Q 4 Q 3 Q 2 Q 1 Q Qo. Q (%) Total Assets 23, 402. 7 22, 812. 2 22, 185. 1 21, 355. 3 19, 910. 8 19, 880. 8 19, 871. 1 19, 331. 4 18, 551. 0 2. 6% Total Deposits 17, 958. 6 17, 756. 3 17, 265. 0 16, 429. 1 15, 333. 1 15, 709. 1 15, 400. 0 15, 304. 5 14, 499. 7 1. 1% Total Loans 15, 297. 4 14, 882. 8 14, 075. 4 13, 029. 5 12, 252. 4 12, 131. 0 11, 919. 4 11, 402. 2 11, 008. 0 2. 8% Securities 5, 719. 6 5, 677. 2 5, 615. 2 5, 779. 0 5, 589. 6 5, 664. 9 5, 647. 9 5, 205. 6 5, 157. 6 0. 7% Shareholders’ Equity 1, 294. 1 1, 278. 8 1, 254. 7 1, 197. 5 1, 138. 0 1, 146. 5 1, 127. 3 1, 081. 2 1, 025. 7 1. 2% NI(Quarterly) 76. 2 23. 6 50. 5 62. 0 47. 8 17. 2 54. 6 54. 4 52. 7 222. 9% NI(Accumulated) 76. 2 183. 9 160. 3 109. 8 47. 8 178. 9 161. 7 107. 1 52. 7 -% ROA(%) 1. 41% 0. 91% 1. 09% 1. 15% 1. 03% 0. 99% 1. 21% 1. 24% 0. 50%p ROE(%) 23. 89% 15. 10% 17. 91% 18. 95% 17. 03% 16. 34% 20. 06% 20. 51% 20. 83% 8. 79%p 18. 1 17. 8 17. 7 17. 8 17. 5 17. 3 17. 6 17. 9 18. 1 1. 7% BPS (W) 8, 823 8, 718 8, 554 8, 164 7, 758 7, 816 7, 687 7, 371 6, 993 1. 3% EPS (W) 2, 108 1, 253 1, 461 1, 509 1, 321 1, 220 1, 489 1, 473 1, 456 68. 2% Cost Income Ratio(%) 41. 42% 49. 62% 46. 31% 47. 39% 44. 07% 49. 50% 45. 77% 46. 43% 45. 27% -8. 20%p LDR(%) 113. 2% 103. 6% 97. 9% 92. 3% 90. 4% 86. 7% 89. 2% 83. 8% 9. 60%p Leverage(times) www. pusanbank. co. kr/english. html

Income Statement Summary Unit : Wbn, % 2007 2006 2005 Qo. Q(%) 1 Q 4 Q 3 Q 2 Q 1 Q 163. 8 160. 6 151. 1 150. 4 155. 4 158. 3 150. 0 146. 3 138. 5 2. 0% Interest Revenue 325. 9 317. 6 298. 5 282. 4 274. 1 273. 1 260. 4 245. 8 236. 7 2. 6% Interest Expense 162. 1 157. 0 147. 4 132. 0 118. 7 114. 8 110. 4 99. 5 98. 2 3. 2% 19. 3 18. 5 15. 6 15. 4 14. 8 12. 4 14. 1 14. 2 13. 9 4. 3% Fees from Trust Account 3. 6 3. 4 2. 4 6. 8 2. 8 14. 9 2. 8 3. 4 5. 9% Other Operating Income -2. 0 -16. 5 -18. 4 -7. 6 -26. 9 -63. 9 -14. 1 -14. 7 -8. 4 -87. 9% 184. 7 166. 0 150. 7 165. 0 146. 1 121. 7 152. 8 148. 6 147. 4 11. 3% 78. 5 132. 0 71. 4 82. 0 78. 0 104. 3 72. 9 74. 7 74. 4 -40. 5% 106. 2 34. 0 79. 3 83. 0 68. 1 17. 3 79. 9 73. 9 72. 9 212. 4% -0. 6 -1. 2 -7. 1 3. 0 -1. 7 8. 8 -4. 2 1. 7 -0. 9 -50. 0% 105. 6 32. 8 72. 2 86. 0 66. 5 26. 1 75. 7 72. 0 222. 0% Income Taxes 29. 4 9. 2 21. 7 24. 0 18. 7 8. 9 20. 9 21. 2 19. 3 219. 6% Net Income 76. 2 23. 6 50. 5 62. 0 47. 8 17. 2 54. 6 54. 4 52. 7 222. 9% Net Interest Income Net Fee & Commission Income Gross Operating Income SG&A Net Operating Income Non-Operating Income Before Income Taxes www. pusanbank. co. kr/english. html

Loans Unit : Wbn, % 2007 2006 2005 Ending Balance Qo. Q(%) 1 Q Won Loans 4 Q 3 Q 2 Q 1 Q 100. 0% 13, 907. 6 13, 609. 2 12, 806. 7 11, 990. 1 11, 333. 9 11, 202. 8 10, 933. 9 10, 411. 9 10, 130. 4 2. 2% 65. 5% 9, 109. 0 8, 762. 6 8, 232. 6 7, 538. 7 6, 891. 5 6, 670. 2 6, 628. 3 6, 314. 5 6, 031. 8 4. 0% 3. 1% 429. 6 490. 0 429. 4 448. 7 462. 4 490. 9 391. 3 337. 2 372. 0 -12. 3% 26. 5% 3, 687. 8 3, 676. 0 3, 598. 9 3, 470. 2 3, 468. 8 3, 544. 9 3, 548. 8 3, 473. 5 3, 396. 6 0. 3% 4. 9% 681. 2 680. 6 545. 8 532. 5 511. 2 496. 8 365. 5 286. 7 330. 0 0. 1% Foreign Currency Loans 557. 0 515. 0 488. 5 385. 7 332. 0 339. 0 323. 3 311. 9 291. 4 8. 2% Others* 832. 9 758. 6 780. 2 653. 7 586. 6 589. 2 662. 3 678. 4 586. 2 9. 8% 15, 297. 4 14, 882. 8 14, 075. 4 13, 029. 5 12, 252. 4 12, 131. 0 11, 919. 5 11, 402. 2 11, 008. 0 2. 8% SMEs Large Corps Household Public & Others Total Note : Domestic Import Usance Bill : 301. 9, Foreign Currency Bought : 141. 4, Call Loans : 106. 6, etc. www. pusanbank. co. kr/english. html

Asset Quality Unit : Wbn, %, %p 2007 2006 2004 2005 Qo. Q 1 Q 4 Q 3 Q 2 Q 1 Q 4 Q 15, 745. 9 15, 346. 1 14, 542. 6 13, 492. 4 12, 607. 4 12, 463. 3 12, 254. 1 11, 719. 0 11, 314. 8 11, 229. 8 2. 6% 15, 345. 7 14, 924. 9 14, 136. 8 13, 092. 4 12, 172. 9 12, 098. 0 11, 832. 7 11, 319. 2 10, 897. 3 10, 811. 2 2. 8% 276. 3 293. 4 297. 1 279. 6 288. 7 248. 4 279. 8 268. 5 265. 8 272. 6 -5. 8% Substandard 72. 2 73. 0 65. 6 78. 2 102. 0 77. 5 88. 0 81. 8 96. 9 88. 3 -1. 1% Doubtful 25. 4 28. 1 21. 9 27. 9 30. 6 29. 2 32. 8 31. 0 36. 3 36. 7 -9. 6% Expected Loss 26. 3 26. 7 21. 2 14. 3 13. 2 10. 2 20. 8 18. 5 21. 0 -1. 5% 400. 2 421. 2 405. 8 400. 0 434. 5 365. 3 421. 4 399. 8 417. 5 418. 6 -5. 0% 2. 54% 2. 79% 2. 96% 3. 45% 2. 93% 3. 44% 3. 41% 3. 69% 3. 73% -20. 0%p 53. 77% 53. 35% 54. 35% 51. 85% 46. 95% 52. 12% 37. 99% 37. 67% 37. 00% 37. 22% 0. 42%p 123. 9 127. 8 108. 7 120. 4 145. 8 116. 9 141. 6 131. 3 151. 7 146. 0 -3. 1% 0. 79% 0. 83% 0. 75% 0. 89% 1. 16% 0. 94% 1. 16% 1. 12% 1. 34% 1. 30% -0. 04%p 173. 62% 175. 84% 202. 91% 172. 23% 139. 90% 162. 96% 113. 01% 114. 71% 101. 88% 106. 79% -2. 22%p 215. 2 224. 7 220. 5 207. 4 204. 0 190. 4 160. 1 150. 6 154. 5 155. 8 -4. 2% Write offs 14. 9 8. 1 9. 2 11. 7 10. 1 30. 9 18. 8 21. 9 15. 2 28. 0 84. 0% NPL Sales 0. 0 6. 9 0. 0 11. 0 0. 0 25. 4 0. 0 24. 7 -% New NPLs -6. 1 23. 5 15. . 0 -15. 9 79. 3 -14. 2 40. 4 29. 6 14. 1 32. 7 -126. 0% -0. 04% 0. 15% 0. 10% -0. 12% 0. 63% -0. 11% 0. 33% 0. 25% 0. 12% 0. 29% 0. 19%p Total Loan Amount Normal Precautionary P&B Loan Amount P&B Loan Ratio P&B Loan Coverage Ratio S&B Loan Amount S&B Loan Ratio S&B Loan Coverage Ratio Provision for Loan Losses(Bal. ) New NPL Formation Ratio(%) www. pusanbank. co. kr/english. html

Delinquency Ratios Unit : % www. pusanbank. co. kr/english. html

Deposits Unit : Wbn, % 2007 Low cost deposit Funding costs * Average balance 1 Q 2006 4 Q 3 Q 2 Q 1 Q Demand 0. 31% 0. 33% Savings 0. 32% 0. 33% 0. 34% Corporate Savings 2. 82% 2. 79% 2. 75% 2. 58% 2. 40% Total 2007 0. 33% 0. 91% 0. 92% 0. 91% 0. 84% 0. 76% 2006 2005 2004 Ending Balance Qo. Q(%) 1 Q 4 Q 3 Q 2 Q 1 Q 4 Q Won Deposits 12, 285. 6 13, 132. 7 13, 074. 4 12, 992. 8 12, 531. 3 12, 923. 1 12, 254. 5 12, 425. 7 12, 090. 1 12, 016. 3 -6. 5% Savings 10, 782. 0 11, 424. 5 11, 542. 1 11, 544. 1 11, 137. 4 11, 323. 8 10, 860. 9 10, 998. 2 10, 726. 8 10, 632. 3 -5. 6% 1, 370. 5 1, 568. 3 1, 374. 4 1, 283. 8 1, 218. 6 1, 415. 4 1, 202. 2 1, 228. 8 1, 152. 9 1, 174. 2 -12. 6% 133. 1 139. 9 157. 9 164. 9 175. 3 183. 9 191. 4 198. 7 210. 4 209. 8 -4. 9% RP 1, 352. 9 1, 359. 3 1, 360. 0 1, 140. 8 900. 0 865. 7 706. 9 590. 5 465. 6 -0. 5% Money in Trust 1, 034. 7 1, 264. 7 870. 1 802. 2 787. 4 862. 5 917. 5 940. 9 1, 036. 3 1, 057. 3 15. 3% CD 1, 669. 8 897. 7 1, 295. 5 607. 1 446. 0 596. 9 778. 5 649. 0 379. 4 629. 2 32. 0% Financial Debenture Issued 1, 369. 6 867. 6 373. 3 371. 8 410. 4 408. 7 569. 8 570. 2 394. 3 392. 7 57. 9% 246. 0 234. 3 291. 8 295. 2 17. 9 14. 0 11. 8 9. 1 6. 9 5. 0% 17, 958. 6 17, 756. 3 17, 265. 0 16, 429. 1 15, 333. 1 15, 709. 1 15, 400. 0 15, 304. 5 14, 499. 7 14, 567. 9 1. 1% Demand Deposit Installment Bills Sold Total www. pusanbank. co. kr/english. html

NIM & NIS Unit : Wbn, %, %p 2007 2006 2005 Duration Gap 1 Q 4 Q 3 Q 2 Q 1 Q 4 Q Assets 0. 783 0. 805 0. 815 0. 789 0. 737 Liabilities 1. 034 0. 986 0. 968 0. 972 0. 946 1. 159 Duration gap 2007 0. 747 -0. 19 -0. 11 -0. 09 -0. 07 -0. 06 -0. 23 2006 2005 Accumulated 1 Q 4 Q 3 Q 2 Q 1 Q Qo. Q (%p) Net Interest Spread 3. 91 3. 93 4. 00 4. 14 4. 24 4. 16 4. 10 3. 99 -0. 02%p NIM(accumulated) 3. 04 3. 08 3. 12 3. 23 3. 37 3. 34 3. 33 3. 38 3. 34 -0. 04%p 7. 09 6. 89 6. 90 6. 96 7. 02 6. 79 6. 72 6. 73 6. 66 0. 20%p Household 6. 97 6. 82 6. 80 6. 82 6. 81 6. 49 6. 42 6. 43 6. 40 0. 15%p Corporates 6. 43 6. 18 6. 17 6. 23 6. 29 6. 17 6. 10 6. 12 6. 07 0. 25%p Credit Card 25. 57 25. 05 25. 11 25. 26 23. 56 24. 50 24. 17 23. 87 23. 56 0. 52%p 3. 18 2. 96 2. 90 2. 82 2. 78 2. 63 2. 62 2. 63 2. 67 0. 22%p 20, 042. 7 18, 462. 4 18, 052. 8 17, 656. 7 17, 342. 7 16, 593. 2 16, 324. 4 15, 875. 6 15, 656. 7 8. 6% Average Lending Rate Average Deposit Rate Average Interest Earning Assets www. pusanbank. co. kr/english. html

Provisioning Unit : Wbn, % 2007 2006 2005 2004 Provision Expenses 1 Q 4 Q 3 Q 2 Q 1 Q Corporates -1. 7 -4. 6 11. 6 8. 0 16. 4 35. 3 16. 3 5. 6 0. 3 9. 8 14. 6 9. 0 14. 1 Household 2. 6 10. 5 2. 9 0. 6 2. 4 2. 7 3. 0 4. 3 4. 5 5. 1 5. 9 10. 8 9. 1 Credit Card (Re-aged Loans) 0. 3 1. 0 (-0. 9) 1. 2 (-0. 8) 0. 8 (-0. 9) 7. 5 (0. 4) 1. 6 (- 0. 4) 3. 3 (0. 6) 3. 9 (1. 3) 4. 9 (2. 1) 7. 0 (4. 1) 14. 7 (6. 7) 21. 5 (9. 2) Other 3. 6 6. 2 0. 5 1. 0 11. 2 0. 4 0. 1 0. 4 0. 2 1. 6 0. 0 0. 3 4. 8 13. 1 16. 2 10. 3 20. 6 56. 7 21. 3 13. 3 9. 1 20. 0 29. 1 34. 5 45. 0 Total www. pusanbank. co. kr/english. html

Capital Adequacy Unit : Wbn, % 2007 1 Q* Tier I Capital 2006 4 Q 3 Q 2005 2 Q 1 Q 4 Q 3 Q 2 Q 1 Q 1, 286. 7 1, 208. 0 1, 246. 6 1, 193. 0 1, 130. 9 1, 082. 3 1, 124. 3 1, 068. 2 1, 012. 8 555. 5 445. 9 340. 3 323. 6 312. 9 384. 6 334. 7 334. 1 157. 4 3. 0 3. 0 Total Risk-Adjusted Capital 1, 839. 2 1, 650. 9 1, 583. 9 1, 513. 7 1, 440. 9 1, 463. 9 1, 456. 0 1, 399. 3 1, 167. 3 Total Risk-Weighted Assets 15, 398. 4 14, 946. 9 14, 221. 6 13, 033. 4 12, 099. 0 11, 950. 7 11, 739. 7 11, 231. 7 10, 865. 9 On-Balance Sheet Assets 14, 806. 4 14, 395. 0 13, 665. 7 12, 568. 6 11, 620. 5 11, 540. 9 11, 310. 8 10, 828. 1 10, 460. 4 Off-Balance Sheet Assets 592. 0 551. 9 555. 9 464. 8 478. 6 409. 8 428. 9 403. 6 405. 5 11. 94% 11. 05% 11. 14% 11. 61% 11. 91% 12. 25% 12. 40% 12. 46% 10. 74% Tier I 8. 36% 8. 08% 8. 77% 9. 15% 9. 35% 9. 06% 9. 58% 9. 51% 9. 32% Tier II 3. 61% 2. 98% 2. 39% 2. 48% 2. 59% 3. 22% 2. 85% 2. 98% 1. 45% Tier II Capital Contribution to Unconsolidated Subsidiaries (-) BIS Capital Ratio Note : estimated www. pusanbank. co. kr/english. html

Shareholding Structure & Dividend Unit : Wbn, % Major Shareholders(as of December 31, 2006) Int’l Rating Agency Credit Ratings • Lotte Group(Japan Lotte Inclusive) • Aberdeen Asset Management Asia Limited Outlook Baa 2 P 2 D Positive Fitch 11. 40 % BFSR / Individual Moodys 12. 22 % Short term BBB+ F 2 B/C Stable 14. 11 % • Capital Research & Management Company Long term • Schroders Investment Management Ltd. 8. 15 % • Templeton Investment Counsel, LLC 5. 07 % • Parkland 4. 11 % • Korea Iron & Steel 1. 90 % Domestic Rating Agency Credit Ratings Issuers Rating Outlook Korea Ratings AA+ Stable Korea Investors Service AA+ Stable Source : the most recent fair disclosures Dividend History Net Income Dividends Paid per Share (W) Dividend Payout Ratios Dividend Type Share Prices Dividend Yields at Market Price 2006* 2005 2004 2003 2002 183. 9 178. 9 132. 7 121. 3 420 405 300 33. 5% 33. 2% Cash 2001 ~ 1997 1996 1995 148. 0 41. 9 30. 2 270 300 400 250 33. 2% 32. 7 % 29. 7 % 32. 7 % 28. 3 % Cash Cash 11, 950 13, 480 7, 886 6, 738 5, 088 6, 640 9, 450 3. 5% 3. 0% 3. 8% 4. 0% 5. 9 % 6. 2 % 2. 7% No Dividends www. pusanbank. co. kr/english. html

Appendix v Corporate Won Loan Portfolio 15 v SME Loan Asset Quality 16 v SME Loan Delinquency Ratio 17 v Household Loan Portfolio 18 v Household Loan Asset Quality 19 v Credit Card Business 20 v Credit Card Asset Quality 21 v Interest Income 22 v Fee & Commission Income 23 v Balance Sheet Summary 24 v Securities Investment 25 www. pusanbank. co. kr/english. html

Corporate Won Loan Portfolio Unit : Wbn, % Loan Portfolio Manufacturing Sectors 1 Q 2007 4 Q 2006 3 Q 2006 2 Q 2006 1 Q 2006 Qo. Q (%) 4 Q 2005 4, 844. 3 47. 4% 4, 870. 9 46. 0% 4, 375. 9 47. 5% 3, 991. 2 46. 8% 3, 681. 0 48. 7 % 3, 602. 1 47. 0% -0. 5% 1, 389. 9 13. 6% 1, 257. 6 12. 7% 1, 209. 0 13. 1% 1, 111. 9 13. 1% 995. 3 13. 2 % 1, 002. 8 13. 1% 10. 5% Automobile Parts 867. 3 8. 5% 817. 9 8. 2% 697. 0 7. 6% 600. 7 7. 1% 522. 9 6. 9 % 482. 3 6. 3% 6. 0% Machinery 718. 4 7. 0% 658. 8 6. 6% 637. 8 6. 9% 584. 2 6. 9% 561. 8 7. 4 % 525. 6 6. 9% 9. 0% Petroleum, Rubber, etc. 592. 8 5. 8% 580. 0 5. 8% 578. 7 6. 3% 524. 0 6. 2% 478. 2 6. 3 % 470. 1 6. 1% 2. 2% Fabric 217. 4 2. 1% 232. 6 2. 3% 238. 3 2. 6% 244. 1 2. 9% 228. 9 3. 0 % 235. 5 3. 1% -6. 5% Kitchen Units 214. 5 2. 1% 206. 0 2. 1% 198. 2 2. 2% 194. 4 2. 3% 184. 2 2. 4 % 212. 9 2. 8% 4. 1% Electronics 217. 2 2. 1% 207. 8 2. 1% 207. 5 2. 3% 192. 0 2. 3% 172. 5 2. 3 % 159. 7 2. 1% 4. 5% Garment & Shoes 139. 0 1. 4% 132. 6 1. 3% 151. 6% 126. 1 1. 5% 126. 7 1. 7 % 126. 1 1. 6% 4. 8% 94. 5 0. 9% 93. 3 0. 9% 85. 1 0. 9% 84. 8 1. 0% 83. 7 1. 1 % 85. 6 1. 1% 1. 3% 393. 3 3. 8% 384. 3 3. 9% 372. 7 4. 0% 329. 0 3. 9% 316. 8 4. 2 % 301. 5 3. 9% 2. 3% 5, 375. 5 52. 6% 5, 362. 3 54. 0% 4, 831. 9 52. 5% 4, 528. 7 53. 2% 4, 184. 0 51. 3 % 4, 055. 7 53. 0% 0. 2% 1, 335. 5 13. 1% 1, 286. 3 12. 9% 1, 188. 1 12. 9% 1, 077. 5 12. 6% 986. 9 13. 0 % 962. 3 12. 6% 3. 8% Real Estate & Lease 987. 3 9. 7% 990. 5 10. 0% 801. 2 8. 7% 676. 2 7. 9% 622. 8 8. 2 % 677. 4 8. 8% -0. 3% Construction & Eng. 581. 2 5. 7% 611. 2 6. 1% 592. 7 6. 4% 624. 7 7. 3% 606. 5 8. 0 % 540. 4 7. 1% -4. 9% Transportation 587. 6 5. 7% 551. 8 5. 6% 534. 0 5. 8% 508. 7 6. 0% 460. 1 6. 1 % 425. 6% 6. 5% Insurance & Financing 353. 4 3. 5% 389. 3 3. 9% 363. 6 3. 9% 321. 7 3. 8% 330. 0 4. 4 % 313. 5 4. 1% -9. 2% Hotel & Food 299. 5 2. 9% 295. 2 3. 0% 281. 6 3. 1% 273. 7 3. 2% 238. 5 3. 2 % 238. 1 3. 1% 1. 5% Public 210. 5 2. 1% 220. 0 2. 2% 150. 1 1. 6% 190. 0 2. 2% 190. 0 2. 5 % 190. 1 2. 5% -4. 3% 1, 020. 5 10. 0% 1, 018. 0 10. 2% 920. 6 10. 0% 856. 2 10. 0% 749. 2 9. 9 % 708. 3 9. 2% 0. 2% 10, 219. 8 100. 0 % 9, 933. 2 100. 0% 9, 207. 8 100. 0% 8, 519. 9 100. 0% 7, 865. 0 100. 0 % 7, 657. 8 100. 0% 2. 9% Steel & Metal Products Paper, Paper Mills Others Non-Manufacturing Sectors Wholesale & Retail Others Total Corporate Won Loans www. pusanbank. co. kr/english. html

SME Loan Asset Quality Unit : Wbn, %, %p 2007 2006 2005 2004 Qo. Q 1 Q Total 4 Q 3 Q 2 Q 1 Q 4 Q 10, 686. 6 9, 863. 0 9, 340. 3 8, 475. 1 7, 703. 0 7, 479. 9 7, 628. 7 7, 318. 4 6, 978. 9 6, 845. 4 8. 4% 10, 392. 1 9, 538. 8 9, 032. 9 8, 171. 3 7, 376. 7 7, 219. 2 7, 325. 3 7, 074. 8 6, 708. 7 6, 574. 4 8. 9% 212. 1 234. 9 232. 6 217. 4 218. 2 181. 5 205. 6 159. 1 177. 4 181. 0 -9. 7% Substandard 49. 6 54. 0 48. 9 61. 7 84. 7 60. 8 67. 4 62. 6 72. 5 68. 4 -8. 1% Doubtful 13. 9 15. 5 10. 8 15. 9 18. 2 14. 7 17. 9 12. 7 13. 4 11. 7 -10. 3% Expected Loss 18. 9 19. 8 15. 1 8. 8 5. 2 3. 7 12. 5 9. 2 6. 9 9. 9 -4. 5% 294. 5 324. 2 307. 4 303. 8 326. 3 260. 7 303. 4 243. 6 270. 2 271. 0 -9. 2% 2. 76% 3. 29% 3. 58% 4. 24% 3. 49% 3. 98% 3. 33% 3. 87% 3. 96% -0. 53%p 46. 52% 43. 77% 46. 81% 44. 63% 39. 96% 45. 49% 32. 56% 35. 14% 31. 57% 32. 29% 2. 75%p 82. 4 89. 3 74. 8 86. 4 108. 1 79. 2 97. 8 84. 5 92. 8 90. 0 -7. 7% 0. 77% 0. 91% 0. 81% 1. 02% 1. 40% 1. 06% 1. 28% 1. 15% 1. 33% 1. 31% -0. 14%p 166. 26% 158. 90% 192. 38% 156. 94% 120. 63% 149. 75% 101. 02% 101. 30% 91. 92% 97. 22% 7. 36%p 137. 0 141. 9 143. 9 135. 6 130. 4 118. 6 98. 8 85. 6 85. 3 87. 5 -3. 5% Write offs 9. 3 2. 8 3. 3 4. 9 4. 2 23. 0 7. 8 7. 1 4. 7 12. 9 232. 1% NPL Sales 0. 0 3. 5 0. 0 8. 4 0. 0 18. 5 0. 0 20. 0 -% New NPLs -20. 4 19. 6 6. 9 -14. 1 69. 8 -11. 3 67. 6 -1. 0 3. 9 39. 4 -204. 1% -0. 19% 0. 20% 0. 07% -0. 17% 0. 91% -0. 15% 0. 89% -0. 01% 0. 06% 0. 58% -0. 39%p Normal Precautionary & Below Loans P&B Loan Ratio(%) P&B Loan Coverage Ratio(%) Substandard & Below Loans S&B Loan Ratio(%) S&B Loan Coverage Ratio(%) Provision for Loan Losses New NPL Formation Ratio(%) www. pusanbank. co. kr/english. html

SME Loan Delinquency Ratio Unit : Wbn, % SMEs Delinquency Ratio By Sector 1 Q 2007 Loan Amount 4 Q 2006 Ratio Loan Amount 3 Q 2006 Ratio Loan Amount 2 Q 2006 Ratio Loan Amount 1 Q 2006 Loan Amount Ratio 4 Q 2005 Ratio Loan Amount Ratio Manufacturing 5, 135. 9 0. 50% 4, 808. 5 0. 68% 4, 655. 9 0. 82% 4, 244. 6 0. 98% 3, 875. 0 1. 16% 3, 756. 5 1. 11% Non-Manufacturing 4, 802. 3 0. 63% 4, 685. 0 0. 65% 4, 308. 3 0. 63% 3, 922. 6 0. 79% 3, 550. 2 1. 06% 3, 464. 0 0. 67% 1, 482. 2 0. 98% 1, 415. 6 1. 10% 1, 320. 6 0. 56% 1, 206. 6 0. 82% 1, 076. 6 1. 69% 1, 054. 9 0. 73% Real Estate & Lease 909. 8 0. 39% 923. 5 0. 37% 774. 8 0. 81% 672. 7 0. 86% 619. 4 1. 16% 673. 4 0. 91% Construction 585. 3 0. 70% 613. 3 0. 74% 594. 3 0. 70% 626. 3 0. 66% 608. 6 0. 54% 542. 4 0. 53% Transport. & Comms. 601. 5 0. 10% 551. 9 0. 18% 521. 8 0. 20% 477. 6 0. 08% 428. 5 0. 07% 402. 3 0. 08% Hotel & Food 328. 9 1. 06% 323. 0 1. 20% 310. 0 2. 01% 275. 7 1. 89% 239. 4 2. 13% 239. 1 1. 45% 78. 9 -% 84. 6 -% 88. 5 0. 20% 32. 4 -% 10. 0 -% 11. 8 -% 815. 7 0. 49% 773. 1 0. 25% 698. 3 0. 26% 631. 3 0. 57% 567. 7 0. 60% 540. 1 0. 52% 9, 938. 2 0. 56% 9, 493. 5 0. 66% 8, 964. 2 0. 73% 8, 167. 2 0. 89% 7, 425. 2 1. 11% 7, 220. 5 0. 90% Wholesale & Retail Insurance & Financing Others Total SMEs Delinquency Ratio By Collaterals (56. 95% vs 43. 05%) Total 1 Q 2007 Amount Ratio 4 Q 2006 Amount 3 Q 2006 Ratio Amount 2 Q 2006 Ratio Loan Amount 1 Q 2006 Loan Amount Ratio 4 Q 2005 Ratio Loan Amount Ratio 9, 938. 2 0. 56% 9, 493. 5 0. 66% 8, 964. 2 0. 73% 8, 167. 2 0. 89% 7, 425. 2 1. 11% 7, 220. 5 0. 90% 4, 459. 9 0. 73% 4, 202. 3 0. 86% 3, 955. 3 1. 03% 3, 612. 1 1. 33% 3, 488. 8 1. 63% 3, 393. 8 1. 07% Guarantees 875. 5 0. 59% 841. 2 0. 76% 801. 9 0. 76% 789. 1 1. 28% 787. 5 1. 54% 802. 26% Deposits 300. 7 0. 27% 312. 1 0. 26% 322. 1 0. 47% 298. 9 0. 33% 287. 3 0. 38% 291. 8 -% 23. 6 5. 51% 22. 25% 24. 2 1. 65% 23. 7 2. 95% 17. 9 -% 27. 3 -% 4, 278. 5 0. 37% 4, 115. 7 0. 47% 3, 860. 7 0. 42% 3, 443. 4 0. 37% 2, 843. 7 0. 44% 2, 705. 4 0. 39% Real estates Movables Credit www. pusanbank. co. kr/english. html

Household Loan Portfolio Unit : Wbn, %, %p 2007 2006 2005 2004 Qo. Q 1 Q Household Loans – Retail 4 Q 3 Q 2 Q 1 Q 4 Q 3, 676. 0 3, 598. 9 3, 470. 2 3, 468. 8 3, 544. 9 3, 548. 8 3, 473. 5 3, 396. 6 3, 432. 3 0. 3% Total Secured Loans 2, 994. 8 3, 040. 4 2, 966. 2 2, 901. 1 2, 915. 6 2, 990. 4 2, 985. 6 2, 891. 2 2, 813. 9 2, 831. 3 -1. 5% Mortgage/Home Equity 1, 312. 1 1, 293. 1 1, 225. 8 1, 169. 5 1, 115. 2 1, 082. 8 1, 069. 8 1, 045. 5 1, 005. 2 961. 8 1. 5% Group Loans 732. 7 800. 5 846. 8 847. 5 911. 7 1, 003. 3 1, 041. 3 1, 001. 5 1, 015. 0 1, 082. 8 -8. 5% Other Collateralized Loans 862. 1 863. 0 814. 6 811. 8 820. 0 837. 0 807. 9 777. 1 733. 3 728. 9 -0. 1% 87. 9 83. 8 79. 0 72. 3 68. 7 67. 3 66. 6 67. 1 60. 4 57. 7 4. 9% 51. 67% 51. 78% 50. 38% 52. 42% 46. 33% 50. 04% 48. 65% 48. 21% 55. 06% 54. 8% -0. 11%p Total Unsecured Loans 693. 0 635. 6 632. 7 569. 1 553. 2 554. 5 563. 2 582. 3 582. 7 601. 0 9. 0% Personal CSS Loans 1 Q 2007 Secured Loans (81. 21%) 3, 687. 8 237. 6 240. 1 237. 9 236. 0 240. 7 246. 4 211. 0 241. 0 239. 5 -1. 0% Student Loans 63. 6 22. 6 55. 0 27. 3 29. 9 32. 8 47. 8 38. 7 42. 1 37. 7 181. 4% Government Workers’ Loans 60. 6 57. 7 52. 2 48. 5 44. 9 41. 0 39. 1 40. 2 39. 3 38. 9 5. 0% 331. 2 315. 2 288. 4 255. 4 242. 4 240. 0 229. 9 292. 4 260. 3 284. 9 5. 1% Government Workers’ Pension Backed Loans Loan to Value Ratio 1 Q 2007 Unsecured Loans (18. 79%) Others www. pusanbank. co. kr/english. html

Household Loan Asset Quality Unit : Wbn, %, %p 2007 2006 2005 2004 Qo. Q 1 Q Total 4 Q 3 Q 2 Q 1 Q 4 Q 3, 715. 6 3, 705. 7 3, 626. 6 3, 495. 2 3, 492. 3 3, 567. 4 3, 548. 8 3, 473. 5 3, 396. 6 3, 432. 3 0. 3% 3, 631. 3 3, 632. 4 3, 553. 9 3, 426. 4 3, 418. 9 3, 498. 7 3, 470. 5 3, 395. 2 3, 309. 0 3, 352. 3 0. 0% Precautionary 53. 2 45. 3 46. 9 43. 2 45. 1 40. 7 46. 1 45. 9 49. 1 46. 8 17. 4% Substandard 20. 5 16. 8 14. 6 14. 5 16. 9 16. 2 20. 4 19. 0 23. 1 18. 5 22. 0% Doubtful 5. 7 6. 0 6. 7 8. 3 9. 1 8. 7 9. 3 10. 2 9. 3 -5. 0% Expected Loss 4. 9 5. 2 4. 5 2. 8 3. 1 2. 7 3. 1 4. 1 5. 2 5. 4 -5. 8% 84. 3 73. 3 72. 7 68. 8 73. 4 68. 7 78. 3 87. 6 80. 0 15. 0% 2. 27% 1. 98% 2. 00% 1. 97% 2. 10% 1. 93% 2. 21% 2. 25% 2. 58% 2. 33% 0. 29%p 63. 46% 71. 49% 59. 15% 59. 88% 58. 31% 61. 28% 53. 13% 53. 90% 50. 34% 53. 88% -8. 03%p 31. 1 28. 0 25. 8 25. 6 28. 3 28. 0 32. 2 32. 4 38. 5 33. 2 11. 1% 0. 84% 0. 76% 0. 71% 0. 73% 0. 81% 0. 78% 0. 91% 0. 93% 1. 13% 0. 97% 0. 08%p S&B Loan Coverage Ratio 172. 03% 187. 14% 166. 67% 160. 94% 151. 24% 150. 36% 129. 19% 130. 25% 114. 5% 129. 82% -15. 11%p Provision for Loan Losses 53. 5 52. 4 43. 0 41. 2 42. 8 42. 1 41. 6 42. 2 44. 1 43. 1 2. 1% Write offs 2. 6 2. 2 3. 2 2. 7 3. 5 4. 6 6. 4 4. 1 5. 6 18. 2% NPL Sales 0. 0 3. 3 0. 0 4. 0 0. 0 6. 2 0. 0 4. 6 -% New NPLs 13. 6 2. 8 6. 1 1. 9 7. 4 -2. 1 4. 6 3. 3 11. 7 5. 9 385. 7% 0. 37% 0. 08% 0. 17% 0. 05% 0. 21% -0. 06% 0. 13% 0. 10% 0. 34% 0. 17% 0. 29%p Normal Precautionary & Below Loans P&B Loan Ratio P&B Loan Coverage Ratio Substandard & Below Loans S&B Loan Ratio New NPL Formation Ratio(%) www. pusanbank. co. kr/english. html

Credit Card Business Unit : Wbn, % 2007 1 Q Total(w/ Reaged Loans) 2006 4 Q 3 Q 2005 2 Q 1 Q 4 Q 3 Q 2 Q Qo. Q (%) 1 Q 301. 6 317. 2 302. 6 313. 7 303. 2 309. 8 296. 9 305. 4 307. 0 -4. 9% 219. 1 232. 1 214. 8 224. 0 212. 7 222. 0 207. 8 210. 4 204. 7 -5. 6% Cash Advances 76. 4 77. 9 79. 3 79. 8 78. 2 73. 0 70. 8 71. 6 -1. 9% Re-aged Loans 6. 1 7. 2 8. 5 9. 9 12. 3 14. 8 18. 3 23. 2 30. 7 -15. 3% 21. 1 20. 5 20. 8 19. 9 20. 4 19. 8 0. 0% 14. 6 14. 5 13. 7 14. 0 13. 9 14. 2 13. 1 13. 3 12. 8 0. 7% Cash Advance 4. 8 4. 9 5. 0 4. 8 4. 7 4. 6 4. 3 -2. 0% Others 1. 7 1. 8 2. 0 1. 9 2. 0 2. 2 2. 5 2. 7 0. 0% Credit Purchase Balance Total Income Credit Card Income Credit Purchase www. pusanbank. co. kr/english. html

Credit Card Asset Quality Unit : Wbn, %, %p 2007 2006 2005 2004 Qo. Q 1 Q 4 Q 3 Q 2 Q 1 Q 4 Q 310. 6 317. 2 302. 7 313. 7 303. 2 309. 8 296. 9 305. 4 307. 0 317. 5 -2. 1% 286. 7 301. 3 285. 0 294. 6 281. 7 286. 5 269. 3 272. 1 265. 4 270. 8 -4. 8% Precautionary 9. 2 10. 1 11. 5 12. 6 14. 2 16. 2 18. 1 20. 9 25. 1 29. 7 -8. 9% Substandard 0. 1 0. 2 0. 3 0. 4 0. 3 0. 0% Doubtful 3. 1 4. 0 4. 4 3. 7 3. 9 5. 0 6. 9 9. 7 11. 2 -22. 5% Expected Loss 2. 5 1. 7 1. 6 2. 7 3. 2 2. 0 3. 3 5. 2 6. 4 5. 5 47. 1% 14. 9 15. 9 17. 7 19. 1 21. 5 23. 3 27. 6 33. 3 41. 6 46. 7 -6. 3% 4. 94% 5. 01% 5. 85% 6. 09% 7. 52% 9. 30% 10. 9% 13. 6% 14. 7% -0. 07%p 86. 58% 88. 05% 83. 05% 81. 15% 75. 35% 71. 67% 42. 75% 43. 8% 43. 3% 39. 6% -1. 47%p 5. 7 5. 8 6. 2 6. 5 7. 3 7. 1 9. 5 12. 4 16. 5 17. 0 -1. 7% 1. 89% 1. 29% 2. 05% 2. 07% 2. 41% 2. 29% 3. 2% 4. 1% 5. 4% 0. 60%p S&B Loan Coverage Ratio 226. 32% 241. 38% 237. 10% 238. 46% 221. 92% 235. 21% 124. 21% 117. 7% 109. 1% 108. 8% -15. 06%p Provision for Loan Losses 12. 9 14. 0 14. 7 15. 5 16. 2 16. 7 11. 8 14. 6 18. 0 18. 5 -7. 9% Write offs 3. 0 3. 4 3. 7 3. 6 3. 2 4. 5 6. 4 8. 4 6. 4 9. 5 -11. 8% NPL Sales 0. 0 0. 1 0. 0 0. 2 -% New NPLs 2. 0 1. 6 2. 3 1. 4 0. 3 0. 7 0. 1 1. 3 25. 0% 0. 65% 0. 52% 0. 76% 0. 41% 0. 46% 0. 10% 0. 24% 0. 03% 0. 42% 0. 72% 0. 13%p Total Normal Precautionary & Below Loans P&B Loan Ratio P&B Loan Coverage Ratio Substandard & Below Loans S&B Loan Ratio New NPL Formation Ratio(%) www. pusanbank. co. kr/english. html

Interest Income Unit : Wbn, % 2007 2006 1 Q 4 Q 3 Q 2005 2 Q 1 Q 4 Q 3 Q 2 Q Qo. Q (%) 1 Q Interest Revenues 325. 9 317. 6 298. 5 282. 4 274. 1 273. 1 260. 4 245. 8 236. 7 2. 6% Interest on Loans 265. 1 257. 7 237. 3 222. 1 213. 9 214. 3 200. 3 192. 7 187. 4 2. 9% 20. 4 19. 7 19. 9 19. 7 20. 2 19. 3 19. 4 18. 8 0. 0% 55. 9 56. 6 54. 2 53. 4 49. 4 47. 7 46. 6 0. 0% 4. 9 4. 0 4. 6 6. 1 6. 0 5. 4 10. 7 5. 4 2. 7 22. 5% 162. 1 157. 0 147. 4 132. 0 118. 7 114. 8 110. 4 99. 5 98. 2 3. 2% 102. 4 102. 9 96. 7 87. 5 82. 8 79. 8 78. 7 75. 2 76. 3 -0. 5% Interest on Borrowings 42. 6 42. 2 41. 7 35. 1 27. 0 25. 0 21. 9 15. 1 14. 3 1. 0% Interest on Financial Debentures 15. 0 9. 7 7. 1 7. 2 7. 1 8. 3 8. 2 7. 6 6. 0 54. 6% 2. 1 2. 2 1. 9 2. 1 1. 8 1. 6 -4. 5% 163. 8 160. 5 151. 1 150. 4 155. 4 158. 3 150. 0 146. 3 138. 5 2. 1% Interest on Credit Card* Interest on Securities Others Interest Expenses Interest on Deposits Others Net Interest Income Note : Accounting adjustments have been made. Under new regulation, “Interest on Credit Card” includes credit card processing charges and others www. pusanbank. co. kr/english. html

Fee & Commission Income Unit : Wbn, % 2007 1 Q 2006 4 Q 3 Q 2005 2 Q 1 Q 4 Q 3 Q Qo. Q (%) 2 Q 1 Q 26. 2 25. 0 22. 7 22. 8 20. 9 20. 3 20. 4 21. 1 19. 4 4. 8% 20. 5 20. 7 17. 6 15. 8 15. 1 15. 2 15. 8 14. 7 -1. 0% Bancassurance 3. 2 2. 2 1. 5 1. 3 1. 5 1. 8 2. 2 1. 9 45. 5% Beneficiary Certificate Sales 3. 7 3. 3 2. 7 2. 3 1. 6 1. 1 0. 8 0. 6 12. 1% Commissions on Credit Cards 0. 9 0. 7 0. 6 1. 0 0. 9 0. 8 1. 1 0. 9 28. 6% Commissions in Foreign Currency 3. 8 3. 6 3. 5 3. 4 3. 3 3. 4 3. 5 3. 1 5. 6% Guarantee Fees 1. 0 1. 1 1. 0 0. 8 0. 9 0. 7 -9. 1% 6. 9 6. 5 7. 0 7. 4 6. 1 7. 9 6. 3 6. 9 5. 5 6. 2% Commissions Paid on Credit Cards 4. 3 3. 8 4. 0 4. 3 4. 2 3. 5 4. 2 3. 4 13. 2% Commissions Paid 2. 6 2. 7 3. 0 3. 4 1. 8 3. 7 2. 8 2. 7 2. 1 -3. 7% 19. 3 18. 5 15. 7 15. 4 14. 7 12. 4 14. 1 14. 2 13. 9 4. 3% Fee & Commission Revenues Commissions in Won Fee & Commission Expenses Net Fee & Commission Income www. pusanbank. co. kr/english. html

Balance Sheet Summary Unit : Wbn, % 2007 2006 2005 Ending Balance Qo. Q(%) 1 Q Won Loans* 4 Q 3 Q 2 Q 1 Q 14, 005. 9 13, 674. 5 13, 113. 7 12, 131. 8 11, 320. 6 11, 093. 6 10, 996. 2 10, 504. 6 10, 161. 8 2. 4% Won Securities 4, 744. 9 4, 806. 8 4, 753. 2 4, 936. 8 4, 766. 9 4, 796. 2 4, 722. 0 4, 286. 2 4, 148. 9 -1. 3% Cash & Due from Banks 1, 168. 6 986. 8 1, 066. 8 946. 1 1, 042. 6 1, 105. 0 1, 120. 6 1, 327. 8 1, 070. 7 18. 4% Foreign Currency Assets 1, 043. 5 1, 094. 6 1, 239. 5 1, 199. 1 856. 9 910. 7 953. 9 906. 3 806. 2 -4. 7% Credit Card Receivables 301. 6 317. 2 302. 6 313. 7 303. 2 309. 8 296. 9 305. 4 307. 0 -4. 9% Fixed Assets 352. 4 364. 4 357. 1 353. 8 345. 1 347. 4 338. 6 341. 6 340. 3 -3. 3% Other Assets 533. 0 466. 5 490. 7 680. 6 497. 1 487. 2 526. 3 732. 4 674. 4 14. 3% 22, 149. 9 21, 710. 8 21, 323. 6 20, 561. 8 19, 132. 4 19, 049. 9 18, 954. 4 18, 404. 3 17, 509. 3 2. 0% 13, 955. 8 14, 397. 3 14, 369. 8 13, 599. 9 12, 977. 2 13, 520. 0 13, 032. 9 13, 074. 7 12, 469. 5 -3. 1% Won Borrowings 2, 804. 4 2, 783. 9 2, 920. 0 2, 890. 3 2, 215. 6 2, 047. 5 2, 115. 9 1, 837. 2 1, 515. 1 0. 7% Foreign Currency Liabilities 1, 730. 8 1, 543. 3 1, 569. 1 1, 394. 7 1, 222. 4 1, 258. 6 1, 243. 6 949. 6 891. 9 12. 1% Won Financial Debenture 1, 372. 8 867. 6 373. 3 371. 8 410. 4 408. 7 569. 8 570. 2 394. 3 58. 2% 992. 0 839. 9 836. 6 1, 107. 7 1, 168. 8 668. 6 864. 7 891. 4 1, 212. 8 18. 1% 1, 294. 1 1, 278. 8 1, 254. 7 1, 197. 5 1, 138. 0 1, 146. 5 1, 127. 3 1, 081. 2 1, 025. 7 1. 2% 22, 149. 9 21, 710. 8 21, 323. 6 20, 561. 8 19, 132. 4 19, 049. 9 18, 954. 4 18, 404. 3 17, 509. 3 2. 0% Assets Won Deposits & CD Other Liabilities Shareholders’ Equity Liabilities & Shareholders’ Equity Note : Private Placements & Call Loans included Trust Account excluded www. pusanbank. co. kr/english. html

Securities Investment Unit: Wbn, % 1 Q 2007 2006 Investment Securities Total Bonds in Won Available for Sale 4 Q 2005 Held to Maturity 4 Q 3 Q 2 Q Qo. Q (%) 1 Q 4, 485. 8 1, 351. 1 3, 134. 7 4, 524. 6 4, 517. 8 4, 657. 3 4, 463. 7 4, 515. 7 -0. 9% 2, 335. 6 596. 9 1, 738. 7 2, 366. 9 2, 364. 4 2, 341. 4 2, 139. 6 2, 034. 9 -1. 3% Government Bonds 828. 6 218. 8 609. 8 869. 9 894. 7 1, 047. 8 1, 075. 2 1, 133. 9 -4. 7% Gov’t Owned Corps. Bonds 683. 4 40. 0 643. 4 681. 4 674. 5 734. 6 748. 1 860. 0 0. 3% Corporate Bonds 495. 4 0. 0 450. 3 432. 6 350. 2 316. 0 299. 7 10. 0% Local Gov’t Bonds 142. 8 0. 0 142. 8 156. 2 151. 6 183. 3 184. 8 187. 2 -8. 6% Foreign Currency Bonds 102. 9 59. 2 43. 7 111. 4 123. 9 98. 3 91. 5 81. 0 -7. 6% Stocks* 133. 9 124. 5 9. 4 116. 0 60. 4 57. 2 53. 2 54. 9 15. 4% Beneficiary Certificates* 113. 7 0. 0 153. 5 143. 6 200. 3 218. 2 207. 5 -25. 9% 20. 9 0. 0 12. 6 22. 0 12. 0 65. 9% 4, 857. 2 1, 669. 4 3, 187. 8 4, 918. 1 4, 867. 7 5, 035. 1 4, 848. 6 4, 871. 1 -1. 2% Financial Debentures Others Total Duration (years) 1. 09 1. 24 Note : Derivative type inclusive www. pusanbank. co. kr/english. html

2007 Outlook v Key Financial Indicators 27 v Deposits & Loans 28 v Income Statement 29 v Balance Sheet 30 www. pusanbank. co. kr/english. html

Key Financial Indicators Unit : Wbn, %, %p Ending Balance 2007 Plan 2006 2005 2007 vs 2006 vs 2005 Total Assets 25, 425. 0 22, 812. 2 19, 880. 8 11. 5% 14. 7% Total Deposits 19, 478. 0 17, 756. 3 15, 709. 1 9. 7% 13. 0% Total Loans 16, 721. 0 14, 882. 8 12, 131. 0 12. 4% 22. 7% Securities 6, 026. 0 5, 677. 2 5, 664. 9 6. 1% 0. 2% Shareholders’ Equity 1, 459. 9 1, 278. 8 1, 146. 5 14. 2% 11. 5% 237. 0 183. 9 178. 9 28. 9% 2. 8% ROA(%) 1. 03% 0. 91% 0. 99% 0. 12%p -0. 88%p ROE(%) 17. 24% 15. 10% 16. 34% 2. 14%p -1. 24%p Net Interest Margin 3. 00% 3. 08% 3. 34% -0. 08%p -0. 26%p S&B Loan Ratio 0. 85% 0. 83% 0. 94% 0. 02%p -0. 11%p Coverage Ratio 173. 00% 175. 84% 162. 96% -2. 84%p 12. 88%p 0. 75% 0. 89% - -0. 14%p BIS CAEL Ratio 11. 41% 11. 06% 12. 25% 0. 35%p -1. 19%p Cost Income Ratio(%) 47. 84% 49. 62% 49. 50% -1. 78%p 0. 12%p Net Income Delinquency Ratio www. pusanbank. co. kr/english. html

Deposits & Loans Unit : Wbn, %, %p Ending Balance Won Deposits 2007 Plan 2006 2005 2007 vs 2006 vs 2005 14, 604. 5 13, 132. 7 12, 923. 1 11. 2% 1. 6% 13, 120. 0 11, 424. 5 11, 323. 8 14. 8% 0. 9% 1, 344. 2 1, 568. 3 1, 415. 4 -14. 3% 10. 8% 140. 3 139. 9 183. 9 0. 3% -23. 9% 1, 044. 0 1, 359. 3 900. 0 -23. 2% 51. 0% 950. 0 1, 264. 7 862. 5 -24. 9% 111. 9% CD 1, 774. 5 897. 7 596. 9 97. 7% 4. 1% Financial Debentures 1, 075. 0 867. 6 408. 7 23. 9% 112. 3% 30. 0 234. 3 17. 9 -87. 2% 1, 208. 9% 19, 478. 0 17, 756. 3 15, 709. 1 9. 7% 13. 0% Savings Demand Deposits Installments RPs Money in Trust Bills Sold Total Ending Balance 2007 Plan 2006 2005 2007 vs 2006 vs 2005 15, 191. 9 13, 609. 2 11, 202. 8 11. 6% 21. 5% 10, 325. 1 8, 762. 6 6, 670. 2 17. 8% 31. 4% 500. 0 490. 9 2. 0% -0. 2% 3, 728. 5 3, 676. 0 3, 544. 9 1. 4% 3. 7% 638. 3 680. 6 496. 8 -6. 2% 37. 0% Total Loans 16, 721. 0 14, 882. 8 12, 131. 0 12. 4% 22. 7% Loan to Deposit Ratio(%) 104. 02% 103. 63% 86. 69% 0. 39%p 16. 94%p Won Loans SMEs Large Corps Household Public & Others www. pusanbank. co. kr/english. html

Income Statement Unit : Wbn, % 2007 Plan Net Interest Income 2006 2005 2007 vs 2006 vs 2005 685. 4 617. 5 593. 1 11. 0% 4. 1% 80. 3 64. 3 54. 6 24. 9% 17. 8% Fees from Trust Account 7. 4 15. 5 23. 9 -52. 3% -35. 1% Other Operating Income -26. 8 -36. 7 -31. 1 -27. 0% 18. 0% 746. 3 660. 6 640. 5 13. 0% 3. 1% 65. 1 50. 7 85. 7 28. 4% -40. 8% 357. 0 329. 0 320. 8 8. 5% 2. 6% 324. 2 280. 9 234. 0 15. 4% 20. 0% 2. 7 -23. 5 15. 5 -111. 5% -251. 6% 326. 9 257. 4 249. 5 27. 0% 3. 2% 89. 9 73. 5 70. 6 22. 3% 4. 1% 237. 0 183. 9 178. 9 28. 9% 2. 8% Net Fee & Commission Income Gross Operating Income Loan Loss Provisions SG&A Net Operating Income Non-Operating Income Before Income Taxes Net Income www. pusanbank. co. kr/english. html

Balance Sheet Unit : Wbn, % Ending Balance Loans 2007 Plan 2006 2005 2007 vs 2006 vs 2005 16, 591. 8 14, 615. 3 11, 876. 3 13. 5% 23. 1% Securities 5, 265. 0 4, 918. 2 4, 871. 1 7. 1% 1. 0% Cash & Dues from Banks 1, 200. 5 1, 029. 3 1, 158. 0 16. 6% -11. 0% Credit Card Receivables 330. 9 317. 2 309. 8 4. 3% 2. 4% Fixed Assets 384. 6 364. 4 347. 4 5. 5% 4. 9% Other Assets 565. 0 466. 4 487. 3 21. 1% -4. 3% 24, 337. 8 21, 701. 8 19, 049. 9 12. 1% 13. 9% 16, 544. 4 14, 557. 7 13, 662. 5 13. 6% 6. 6% Borrowings 4, 083. 3 4, 162. 9 3, 161. 5 -1. 9% 31. 7% Won Financial Debenture 1, 263. 0 867. 6 408. 7 45. 6% 112. 3% 987. 2 843. 8 670. 7 17. 0% 25. 8% 1, 459. 9 1, 278. 8 1, 146. 5 14. 2% 11. 5% 24, 337. 8 21, 710. 8 19, 049. 9 12. 1% 14. 0% Assets Deposits Other Liabilities Shareholders’ Equity Liabilities & Shareholders’ Equity www. pusanbank. co. kr/english. html

Thank you for your interest in Pusan Bank IR CONTACT : Joshua H. Hwang e-mail : josh@pusanbank. co. kr Direct : +82 51 -640 -4105 Fax : +82 51 -640 -4199 Homepage URL : www. pusanbank. co. kr/english. html

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