Professional Trustworthy · 0 500 1,000 1,500 2005 2006 2007 2008 2009 1,233 1,333 791 675 468 High increases in pro!ts and continuous sales growth recorded through active marketing

KOREA’s Representative Finance SI Company

Professional & Trustworthy

1.0V 2010.02.11

KB Data Systems

Ⅰ. ABOUT KDS

1. OVERVIEW

2. HISTORY

3. ORGANIZATION

4. PERSONNEL

5. FINANCIAL HIGHLIGHTS

6. PARTNERS

Ⅱ. BUSINESS

1. BUSINESS AREA

2. SYSTEM INTEGRATION

2. OUTSOURCING

3. CONSULTING SERVICE

4. SOLUTION

5. PROJECT LIST

Ⅲ. CORPORATE CULTURE

1. KDS VISION

2. QUALITY MANAGEMENT

3. CORPORATE SOCIAL RESPONSIBILITY

Professional & Trustworthy

Ⅰ. ABOUT KDS

1. OVERVIEW

2. HISTORY

3. ORGANIZATION

4. PERSONNEL

5. FINANCIAL HIGHLIGHTS

6. PARTNERS

• Date of Establishment: 6 September 1991

• Number of Employees : 258

• Sales : 123.3 Billion Won (as of 2009)

• Assets : 49.1 Billion Won

• Location : KRX Bldg. Annex, Yeouido-dong, Yeongdeungpo-gu, Seoul, Korea

Paid-in capital (A) Retained Earnings (B) Equity Captial (A+B)

8 Billion Won 13 Billion Won 21 Billion Won

Company Pro!leKB Data Systems has been a

professional financial IT

company which plays an

important role as a partner of

financial development, leading

advancement of financial IT

Industry.

OVERVIEW

Combining technological expertise and analytical insight learned and derived from experience in hundreds of !nancial

projects, KB Data Systems provides the optimally integrated IT services, including consulting, system integration and

maintenance by thoroughly analyzing customers' needs in a rapidly changing !nancial environment. Providing

professional IT services with structured organization and high level of technology, we build the perfect system allowing no

errors through the industry leading quality management system.

(As of end of 2009)

3

OVERVIEW 2010 KB Data Systems

19911993 1995 1996

20042005 2006 2007 2008 2009

2010

HISTORY


06 MIS Project of BII in Indonesia

04 Company name changed to KB Data Systems

Based on in-depth experiences in !nancial SI and differentiated technology, KB Data Systems spares no efforts to contribute toward customer satisfaction and success.

06 Treasury Management System for AgriBank in Vietnam

11 Capital increase (Total paid in capital: 8 billion Won)

10 Designated as a quali!ed ALM provider (Korea Federation of Savings Banks)

09 Office relocation(to KRX bldg. Yeouido

04 Financial IT R&D center established

11 Incorporation of Kookmin Data Systems

10 Registered as a software developer (Korea Software Industry Association)

11 R&D dedicated department registration (Ministry of Science and Technology)

10 Registered as a system integrator

05 Awarded for ‘Superior Subcontracting Company (Korea Fair Trade Commission)

02 ‘Won ‘Grand Prize of Korea SW Company (Korea Software Industry Association)

12 Kookmin Bank Next Generation Internet Banking System

09 KB Financial Group Inc.(KB FNG) launched

05 Kookmin Bank Next Generation Management Information System

01 Dal-Soo Lee takes office as a new CEO

4

Organization structure to

effectively provide IT services

for KB Financial Group and

other customers

(Unit: person)

Employees

ORGANIZATION

5 units, 1 R&D center, 9 departments, 8 teams

Board of Directors

President/CEO

Executive Vice President

Risk Management Subcommittee

Personnel Committee Audit

Financial R&D

Center

SI Business Unit SM Business Unit Administration UnitSales Unit 1

•Sales Team 1

Sales Unit 2

•Sales Team 2 •Biz. Planning Dept. Deposit Dept.

Loan Dept.

Information Dept.

Channel Sppt. Dept.

Bank SI Biz. Dept.

Group SI Biz. Dept

Non Captive Market Biz. Dept.

•Overseas Branch•QA Team

Strategic Planning Dept Admin. Dept•RM Team •HR & GA Team

•Sales Sppt. Team

•Auditing Team

5

Officer Unit Head Department Head Team Leader Team Member Total

4 4 10 7 233 258


Attract and develop talented professionals to maintain high level of service Pursue knowledge management to enhance core competencies

259 PMP

20

CIS

14

CISSP

7

ITIL

74

WEB

144

By Domain By Skill Level

Number of International IT Certificates Obtained

PERSONNEL

6

Consultant 57

H/W 6

S/W 169

Others 26

Consultant Engineer 2

Superior Engineer 100

Superior Engineer 54

Intermediate Engineer 40

Primary Engineer 50

total


0

500

1,000

1,500

2005 2006 2007 2008 2009

1,2331,333

791675

468

High increases in pro!ts and continuous sales growth recorded through active marketing and business innovation

(Unit: 100 MN Won)

Sales Trend by Year Net Income by Year

FINANCIAL HIGHLIGHTS

(Unit: 100 MN Won)

25

50

75

100

2005 2006 2007 2008 2009

53

63

43

2325

7

record ofperformanceand growth


Earnest Business solution

PARTNER

8

KB Data Systems will lead !nancial development by strategic partnership with global IT companies


Hyosung Infomation SystemIBM Korea HP Korea Oracle Korea

EMC Korea JenniferSoft Initech

Webcash Data Streams

Ⅱ. BUSINESS

1. BUSINESS AREA

2. SYSTEM INTEGRATION

3. OUTSOURCING

4. CONSULTING SERVICE

5. SOLUTION

6. PROJECT LIST

We provide the optimized IT service to maintain and manage information system and IT resources in a stable manner reflecting customer requirements

IT Outsourcing

Consulting

SolutionReliable solutions proven in the market with stability that will appreciate customer’s value and

strengthen corporate competitive

System IntegrationBringing optimal systems and solutions together, we bring forth to our customers competitive yet advanced financial environments fit for each needs.

10

Consultants with plenty of experiences in financial IT projects guide you with IT strategies and plans

BUSINESS AREA 2010 KB Data Systems

SYSTEM INTEGRATION

System Integration involves a comprehensive range of actitivies from consulting to system design, development, integration, application, administration, training and maintenance. With the core technology and various solutions, we maximize efficiency and effectiveness of the system provided.

• Next Generation Core Banking System

• Next Generation IT Information System

• Next Generation Internet Banking System

• Next Generation Credit Card System

• Next Generation Global Marketing System

Banking System

• Stock, Insurance System

• Savings Banks' Next Generation System

• Micro Credit System

• Credit Information System

• Living Finance, Rental, Lease, Financial Installment System

• Micro Payment System

• Global Business System

Financial Business System

• ALM System

• IFRS System

• AML System

• CRM

• Risk Management System

• HR System

Financial Business System

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Next GenerationBanking System

Next GenerationBanking System

Savings BanksNext Generation

System

Micro Payment /Global Business

System

Foreign IntegratedBanking System

IFRS / AML ALM / RM


Professional staff with extensive financial system management experiences provide stable information service, high system availability, complete disaster recovery and reliable backup system for the customer's IT environment. Service level is measured quantatatively by SLA. Performance measure, program rating, evaluation criteria, report and mesaure are defined to continuously improve service.

12

SystemManagement &Administration

ApplicationDevelopment

Call CenterHelp Desk DRS /Backup SystemBPO

(Business Process Outsourcing)

OUTSOURCINGBUSINESS AREA 2010 KB Data Systems

As we have knowledge and skill required in financial IT area, gaining a competitve advantage and differentiating technology are our basic strategy. Based on comprehensive analysis and examination of systems and processes, our consultants present a strategic approach to construct the best possible IT environment. Operating methodology for system design, development and maintenance is systematically established to implement quality management, create customer value and efficiently operate information system. Higher standard of consulting services are offered by presenting the optimized solution from analyzing problems and opportunities of customer’s current situation reflecting customer needs and establishing and continuously improving processes of high quality, low price and high efficiency.

13

Financial IT Consulting(BPR / ISP)

e-Business Consulting(Internet / e-Commerce)

Total Outsourcing Consulting IT Management Consulting

CONSULTING SERVICEBUSINESS AREA 2010 KB Data Systems

Market Proven Solutions of KB Data Systems

KB Kookmin Bank

iMats

Kookmin Bank, Hana Bank, Ministry of Information and CommunicationAgribank(Vietnam), KCB, CSS, Savings Banks(Korea Mutual‧ Jinheung ‧Gyeonggi)

RATO

KAMCO, Ministry of Information and Communication, NFFCDaegu Bank, Jeonbuk Bank, NFCF, Lotte Card

MCI Multi Channel integration

K-FrameworkNext Generation J2EE Framework

Consolidated Information SystemKookmin Bank, Ministry of Information and Communication

Kookmin Bank, Ministry of Information and Communication

K-PaywellAutomated GIRO system

KB Kookmin Bank

PDTParallel Data Transfer Solution

Kookmin Bank(Tokyo, New York, Aukland, Guangzhou), Khmer Union Bank (Cambodia)

ATLASOverseas Branch System

e-HRS

Kookmin Bank, Kookmin Card, KB Credit Information

New HR System

Credit Card System

NACF, Hana Bank

Newly built credit card system including recruitment and post management

KB Kookmin Bank

AMLAnti-Money Laundering

TAISOverseas Branch System

Financial Counseling SystemProduct Sales Support System

Kookmin Bank, Nautilus Hyosung

MapXPMap engine for Trading Area Analysis

internet Message and Transaction Service ALM solution

14


KB Kookmin Bank

KB Kookmin Bank

KB Kookmin Bank

KB Kookmin Bank

KB GROUP Non Captive Market International

Kookmin Bank Next Generation Internet Banking SystemBanking framework processing up to 200,000 concurrent users is applied

KB GROUP PROJECT

• KB Financial Group, Integrated Groupware

Integrated groupware including electronic approval and document distribution was developed to share business between group companies.

• KB Financial Group, Image System

• KB Financial Group, Image System

• KB Investment & Securities, Retail Sales System

• KB Financial Group, IT System

All the data needed for human resource management is maintained and analyzed.

Slips and papers in branches are imaged and centrally processed and managed.

Home trading system, web trading system and homepages are constructed.

Financial accounting, budget, asset, HR/salary and homepages are constructed.

15

PROJECT LIST 2010 KB Data Systems

Providing IT services including Next Generation System for KB Financial Group as an IT hub.

KB GROUP PROJECT

• Kookmin Bank, Total Asset Management System

Owned assets are managed collectively.

• Kookmin Bank, Old System Relocation

• Kookmin Bank, Integrated MIS System

• Kookmin Bank, Integrated Quality Management System

• Kookmin Bank, Multi Channel Integration

• KB Financial Group, Call Center System

Leftover systems which were not developed as next generation projects are relocated to one spot in order to efficiently manage them from the center

Business management, risk management, accounting management, internal control and business support functions are supported.

Project quality of IT maintenance and development in the bank is controlled and managed by phase.

Various channels - window terminal, ATM, Internet device, call center, etc. - of the bank are managed collectively to unify the channel system for efficiency.

Contact center is constructed with duplex system design to provide continuity and collective management of counseling.

16

Providing IT services including Next Generation System for KB Financial Group as an IT hub.

KB GROUP Non Captive Market InternationalPROJECT LIST 2010 KB Data Systems

ALM(Asset & Liability Management) SystemSupports efficient risk management by measuring interest rate risk and liquidity risk

LOCAL PROJECT

• CCRS, Total Credit Recovery Support SystemCredit recovery support system, management information like HR/salary, accounting and asset management, external interface, EDW, CRM, audit, homepages, portal, SSO

• Lotte Card, ALM SystemRisks of interest rate and liquidity, and pro!t and loss changes and liquidity risk of loan portfolio are measured and maintained.

• Daegu Bank, IFRS SystemFuture cash $ow, expected maturity, effective interest rate, fair value estimation and deferred charge estimation are supported while ful!lling the IFRS standards.

• KFTC, Integrated Billing ASP System

CMS EDI site and e-giro site are integrated and Giro EDI, EBPP, Slip Giro Business System are constructed.

• KSD, Next Generation SystemStock agency and corporate action systems are built.

• Savings Banks(Korea Mutual, Jinheung, Gyeonggi), External Interface

Integrated management system of network interface to external institutions is built using iMATS.

17

As a diversification strategy, non captive market is being developed. More active marketing efforts will be followed in this area.


LOCAL PROJECT• Microcredit System

Micro-credit support system is built for credit recovery applicants.

• CCRS, Accredited Certi!cate and Encryption

Accredited certi!cate and encryption systems are built to protect customer information at the website logon.

• NACF, Mutual Credit ALM System ConsultingConsulting services for system construction that collectively manages the risks of interest rate and liquidity from funding and lending based on assets and liabilities.

• Hana Bank, Deposit Card PI System

Processes of credit card are innovated and business $ows are efficiently enhanced by the system construction.

• NFCF, ALM SystemRisks of interest rate and liquidity, and pro!t and loss changes and liquidity risk of loan portfolio are measured and maintained.

• CCRS, Internet Application System

The applicant can request for credit recovery via Internet.

• NFFC, ALM System

Risks of interest rate and liquidity, and pro!t and loss changes and liquidity risk of loan portfolio are measured and maintained.

18

• KCB, CB External Interface(iMATS)

Integrated management system of network interface to external institutions is built using iMATS.



LOCAL PROJECT

• Risk Management System (ALM)


• CU, Next Generation Financial Information System

Deposit business is constructed in next generation !nancial information system.

• CJ Systems, Project Management System


• Hungkuk Ssangyong Fire & Marine Insurance, ALM System

Consulting services for life planning construction like analyses of market, customer and product, DB or DC/IRA type system, !nancial recalculation and trial/examination.

• Retirement Pension System Consulting

19

• ALM System Reconstruction


• Epostbank, RM/ALM System


Man-month, quality, progress management, con!guration management, communication management, performance management and risk management are supported with CMMI criteria based.



Bank Internasional Indonesia

MIS System is built for four years as four phases

GLOBAL PROJECT

• Credit Card System Technical Support Business ConsultingConsulting services for building common usage system of credit card(Japan) including card issuance and product system.

• MIS System Phase 1Performance by product, customer and LOB, executive summary(DSS), Audit, consolidated customer information(CIF), P&L are constructed.

• MIS System Phase 2 - EDW, KPI, LBU, Pro!tability Analysis phase 1Enterprise data warehouse is constructed for data foundation in the information system, KPI, central bank reporting(LBU) and pro!tability phase 1 are constructed.

• MIS System Phase 3 - Card Mart, Pro!tability Analysis phase 2System maintenance for the systems builts in phase 1 and 2, credit card data mart and pro!tability phase 2 are constructed.

• MIS System Phase 4 - Loan Mart, Financial MLoan data mart, bank coa code, accounting mart, veri!cation system of B/S & I/S and report mart are constructed.

20

• Agribank (Vietnam), External InterfaceInterface systems of legacy system, card system, securities and CMS are built.

International market is the segment of great potential and we will continue to explore and grow this area.


GLOBAL PROJECT

• Agribank (Vietnam), Treasury System

Derivatives, long-term borrowings, syndicated loan, agent and corres banks

• Derivatives, syndicated & agent and long-term borrowings are constructed.

Single source integration system with the infrastructure of UI, MCI and EAI applied to products, core banking, sales support, management support, foreign exchange of overseas branch is built.

• KUB(Cambodia), Banking system

Core banking and information systems such as deposit, loan, foreign exchange, accounting and branch closure are built.

• BCC(Kazakhstan), Enterprise Data Warehouse Consulting

Consulting services for master plans of EDW and report system

• Credit Card System Preliminary Review Consulting (Japan)

Consulting services for preliminary reviewing of integrated credit card system for M&A of department sotre credit card companies and financial institution credit card companies

21


International market is the segment of great potential and we will continue to explore and grow this area.

Ⅲ. Corporate Culture

1. KDS VISION

2. Quality Management

3. Corporate Social Responsibility

KDS VISION

Customers always come first. We are devoting our efforts to continuous IT process innovation and core technology research to comply with customer needs and evironment changes. We are moving forward to a top-tier, global IT company constantly developing technology and cultivating professional manpower. Open your new digital era with KB Data Systems.

23

Corporate Culture 2010 KB Data Systems

Customer Trust

Employee Oriented

Creativity & Innovation

Ethics Management

Satisfy customers with the high

standard of quality services

Attract and develop talented

professionals with expertise and enthusiasm

Pursue changes through creativity

and innovation

Value ethics and follow moral

principles

QUALITY MANAGEMENT

KDS adopts standardized processes benchmarked from internationally recognized models. It’s providing high quality IT services for customers by continuously improving processes based on CMMI(Capability Maturity Model Integration).

KDS has been carrying out an enterprise level of process improvement campaign, IQEQ(IT Quality is Enterprise Quality) as a part of quality management.

IQEQ 1 : Maximize internal efficiency by IT process improvement.

IQEQ 2 : Maintain competitive edge and credit rating by providing high quality IT services

IQEQ 3 : Enhance brand power by following and achieving certificates of international standard models.

KDS, through these quality management activities, achieved CMMI Level 3 certificate from SEI(Software Engineering Institute) We will continue to innovate business processes and achieve the certificate of CMMI Level 4.

기업문화 2010 KB데이타시스템

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CORPORATE SOCIAL RESPONSIBILITY

In March 2009, KDS Social Service was organized to engage in diverse social services:

- Dongjak Senior Welfare Center, rice cake delivery on a monthly basis- Seoul Senior Welfare Center, portrait photography- Street cleaning, - Computer donation to charities- Holiday season’s donation to social services.

We are trying to be of practical help to those who are in need. All our staff is voluntarily joining the activities and we will keep sharing love and spreading warm hearts.

We are contributing to society in a variety of activities and will continue to extend the efforts to take corporate social responsibility.

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Documents

Professional Trustworthy · 0 500 1,000 1,500 2005 2006 2007 2008 2009 1,233 1,333 791 675 468 High increases in pro!ts and continuous sales growth recorded through active marketing