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Preamble
  Chapter 1. Ethics Relating to Customers
 1. Priority of Customers
  2. Customer Protection
  3. Courtesy to Customers
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Chapter 2. Ethics Relating to Shareholders and Investors
 1. Maximization of Shareholder Value
  2. Protection of Shareholders Rights and Interests
  3. Provision of Information
  Chapter 3. National and Social Ethics
 1. Contribution to National and Social Growth
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2. Accident Prevention and Environmental Protection
  3. Prohibition on Political Activities
  Chapter 4. Ethics Relating to Fair Competition
 1. Compliance with Laws and Regulations
  2. Fair Competition with Other Financial Institutions
  3. Fair Transactions with its Business Partners
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Chapter 5. Ethics as a Financial Group
 1. Maximizing the Value of KB Financial Group
  2. Relationship with Group Companies
  Chapter 6. Ethics Relating to Directors, Officers and Employees
 1. Respect for Human Dignity and Fair Treatment
  2. Development of Human Resources
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3. Enhancement of Quality of Life
  Chapter 7. Work Ethics for Directors, Officers and Employees
 1. General Requirements
 1.1.
    
    Our directors, officers and employees shall follow the management philosophy of KB
Financial Group and faithfully carry out their duties in order to achieve our corporate
objectives and values.1.2.
    
    Our directors, officers and employees shall establish an open organizational culture
based on mutual respect and open communication between supervisors and subordinates and
between colleagues.1.3.
    
    Our directors, officers and employees shall accurately record and manage financial
records and accounting books in accordance with generally accepted accounting principles
and timely provide management information in a complete, fair, accurate and comprehensible
manner, and in accordance with relevant laws and accounting principles.1.4.
    
    Our directors, officers and employees shall observe all applicable laws and regulations
relating to their business activities and diligently and conscientiously carry out their
duties in compliance with social values.
 2. Prohibition against Conflict of Interest
 2.1.
    
    When there is a conflict of interest between KB Financial Group and any of its
directors, officer or employee, or among business divisions, the interests of KB Financial
Group shall take precedence over any other interests.2.2.
    
    Any business opportunities identified by our directors, officers and employees in the
course of their activities as such must first be made available to KB Financial Group.
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2.3.
    
    Our directors, officers and employees of KB Financial Group must avoid conflicts
between their personal interests and those of KB Financial Group (including as a result of
a investment that affects, or may affect, such individuals work performance, transactions
with relatives or acquaintances and outside lectures). If such conflict of interest is
likely to arise, such individual shall fully disclose all relevant information to the
applicable supervisor and the ethics division.
 3. Prohibition against Insider Trading and Other Unfair Transactions
 3.1.
    
    None of our directors, officers or employees shall engage in any unfair practices using
inside information acquired through his or her position in KB Financial Group (including
through the sale or purchase of securities, stock price manipulation or use of non-public
information) in the pursuit of personal profits. Our directors, officers and employees
shall return any short-swing profits in accordance as required by and in accordance with
the applicable laws.3.2.
    
    Our directors, officers and employees may not provide any non-public information which
may affect the market price of our securities to third parties, except in accordance with
lawful procedures.
 4. Protection of Company Assets
 4.1.
    
    Our directors, officers and employees must use the tangible and intangible assets,
intellectual property assets and trade secrets of KB Financial Group only in the course of
their work performance in the furtherance of our corporate value, and shall not use such
assets for personal gains.4.2.
    
    All officers and employees of KB Financial Group shall use the Groups funds in a
rational and transparent manner and only for purposes approved by the Group.
 5. Safekeeping of Information and Security
 5.1.
    
    Our directors, officers and employees must not disclose any non-public information
acquired by such individual in the performance of his or her work duties to any third party,
except in accordance with applicable laws and procedures. Our directors, officers and
employees must reasonably prevent unauthorized third parties from accessing such non-public
information and, in the event that any unauthorized third party attempts to access such
information, must immediately report such event to the relevant department.
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5.2.
    
    Only authorized directors, officers and employees of KB Financial Group may provide
information to newspapers, radio and television networks and other media outlets.
 6. Prohibition against Bribes
 6.1.
    
    Our directors, officers and employees of KB Financial Group shall not receive any
money, gifts or entertainment from our business partners or other parties. Our directors,
officers and employees of KB Financial Group shall not provide any money, gifts or
entertainment to relevant parties in connection with our business activities except as may
be appropriate for the occasion under social norms and in accordance with applicable laws
and regulations.6.2
    
    Our directors, officers and employees may not provide money, gifts or entertainment to
each other.
 7. Restrictions on Political Activities
 7.1.
    
    Our directors, officers and employees shall not engage in political activities during
work hours and shall not use the organization, human resources or assets of KB Financial
Group for political purposes.7.2.
    
    The personal political views and rights to political activities of each of our
directors, officers and employees shall be respected, but care must be taken by such
individuals so that their personal political views or activities are not misrepresented as
those of KB Financial Group.
 8. Prohibition against Sexual Harassment
  9. Compliance with Ethical Standards
 9.1.
    
    All of our directors, officers and employees must faithfully observe all applicable
ethical standards (including the Charter of Ethics, the Codes of Ethics and related
standards of conduct), and shall take full responsibility for any violation thereof.9.2.
    
    Any of our directors, officers or employees who is ordered to act in violation of the
ethical standards of KB Financial Group or applicable laws, or becomes aware of any such
violation, shall report such
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order or violation to the relevant ethics division.9.3
    
    In the event of any violation of our ethical standards by our directors, officers or
employees, KB Financial Group shall rigorously determine the cause of such violation and
endeavor to prevent any reoccurrence of such violation through educational programs.
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