CONTENTS

11

12

12

13

16

18

20

20

21

( )

23

25

26

JEONBUK BANK 2014 3rd Quarter Report

( : , %, %p)

2014 3
(A)
(B)

(C)

(D)
(A-B+C-D)
()

(ROA)
(ROE)
(A-B)
(A)
(B)
(NIM)

2013 3

1,037

1,070

33

537

530

459

443

16

71

71

12

99

127

28

401

413

12

89

226

137

312

187

125

0.32

0.22

0.10

5.61

3.46

2.15

2.88

3.08

0.20

5.27
2.39
2.46

5.77
2.69
2.53

0.50
0.30
0.07

( : )

2014 3

2013 3

1.04

1.02

0.02

108

95

13

108

95

13

93

82

11

92

80

12

1,001

979

22

1,180

987

193

1,179

986

193

1,015

852

163

999

831

168

92

94

()

()

1
2014 3


( : , %, %p)

2014 3

()

()

(A/B)

100,209

86,148

14,061

66,980

56,909

10,071

31,746

27,780

3,966

1,483

1,459

24

1,398(1.39)

1,702(1.98)

304(0.59)

1,056(1.58)

1,342(2.36)

286(0.78)

313(0.99)

324(1.17)

11(0.18)

29(1.96)

36(2.47)

7(0.51)

1,046(1.04)

1,293(1.50)

247(0.46)

737(1.10)

954(1.68)

217(0.58)

280(0.88)

303(1.09)

23(0.21)

29(1.96)

36(2.47)

7(0.51)

121.32

102.13

19.19

1,696

1,738

42

(B)

1,398

1,702

304

1.27

1.59

0.32

()

1.31

1.51

0.20

1.36

1.71

0.35

()

1.10

1.72

0.62

1.03

1.16

0.13

()

0.96

1.21

0.25

2.28

2.65

0.37

()

2.42

2.77

0.35

(A)

2013 3

) 1. 1
2.

( : %, %p)

2014 3

2013 3

206.93

164.25

42.68

199.07

191.30

7.77

199.07

191.30

7.77

16.42

16.20

0.22

2
2014 3

JEONBUK BANK 2014 3rd Quarter Report

BIS ( )
( : , %)

2014 9

2014 6

4,262

e+g

3,464

( )

3,307

i-j-k

3,290

(-)87

(-)51

( )

7,482

6,703

10

( )

11

12

( )

13

14

15

16

17

18

19

20

21

22

23. 24. 25. 15%

692

3
2014 3

726

2014 9

2014 6

23

24

25

26

26a ()

26b ()

26c

26d ()

26e

26f

()

26g
27

28

29

692

726

6,790

5,977

30

31

32

33

34

35
36

890

890

178

178

712

712

37

()

38

()

39

40

41

42

43

44

712

712

45

( + )

7,502

6,689

4
2014 3

JEONBUK BANK 2014 3rd Quarter Report

2014 9

2014 6

46

47

48

49

960

960

50

( )

1,027

a,d,j,
k-
1)

1,017

51

3,567

3,500

3,500
-

3,557

52

()

53

()

54

55

56

57

58

3,567

3,557

59

( + )

11,069

10,246

60

86,767

86,059

61

7.83

6.94

62

8.65

7.77

63

12.76

11.91

64

( +
) (%)

4.00

4.00

65

(%)

66

(%)

67

G-SIB (%)

68

( %)

3.83

2.94

5
2014 3

2014 9

2014 6

( )
69

70

71

( )
72

73

74

75

76
77
78
79

( )

()

( )

()

1,157

1,114

1,027

1,017

( )
(2014. 9. 30. )

( : )

9,844

9,844

19

19

9,594

9,594

13,461

13,461

100,544

100,544

(-)

849

1,415

1,415

692

692

246

246

2,572

2,572

138,387

138,387

6
2014 3

JEONBUK BANK 2014 3rd Quarter Report

(2014. 9. 30. )

( : )

()

111,408

111,408

5,648

5,648
7,600

7,600

3,500

2,540

89

89

104

104

194

194

4,084

4,084

129,127

129,127

( )
( )

3,741

3,741

890

890

521

521

(-)87

(-)87

4,195

4,195

798

89

9,260

9,260

138,387

138,387

BIS
(2014. 9. 30. )

( : , %)

KR60063512C8

KR60063510B4

KR6006351193

KR6006351292

KR6006351391

KR60063513A0

,
JB

,
JB

,
JB

,
JB

,
JB

,
JB

7
2014 3

3,741

712

320

420

800

800

200

3,741

890

800

700

1,000

800

200

10

()

()

()

()

()

11

2012.12.12

2010.11.02

2011.09.01

2012.09.06

2013.09.16

2013.10.08

12

13

(

)

2042.12.12

2017.02.02

2018.01.01

2019.01.06

2020.09.16

2020.10.08

14

(/)

15

, ,

2017.12.12,
,

16

1973.03.30~
2014.09.26

()
17

18

()

5.65

4.96

4.62

3.41

4.03

4.03

19

()

20

()

21

(/)

22

()

(/)

23

(/)

24

25

26

8
2014 3

JEONBUK BANK 2014 3rd Quarter Report

27

/ /

28

29

30

(/)

31

32

33

(/)

34

(2)

(3~7)

35 (

)
36

37

(/)

3-5
(

3-5
(

3-5
(

9
2014 3

3-5
(

3-5
(

3-5
(

 ( )
( : )

2014 3(Basel )

(A)

1)

2013 3(Basel )
1)

145,016

82,108

163,452

95,953

26,928

210

22,802

230

5,548

563

7,376

1,290

44,804

40,245

37,388

33,393

11,494

10,123

7,033

5,096

33,310

30,122

30,355

28,297

10,623

4,902

9,403

4,219

50,396

31,606

46,278

28,326

2,407

1,806

2,333

1,750

47,989

29,800

43,945

26,576

552

637

407

501

343

408

350

400

2,174

1,137

100

100

3,648

2,400

39,348

27,494

19

46

11

4,613

6,024

145,035

86,767

163,452

101,988

2)

(B,)
(C,)
(A+B+C)

) 1. (EAD) :
2. : 2013 3
1) 2014 3 K-IFRS , 2013 3 K-IFRS

( : , %)

2014 3
(A)
(B)
(B/A)

2013 3

138,387

155,166

28

11

0.02%

0.01%

1 5%
.

10
2014 3

JEONBUK BANK 2014 3rd Quarter Report

( : )

2014 3

2013 3

99,297

85,967

13,330

99,274

85,946

13,328

23

21

23,867

21,856

2,011

23,848

21,839

2,009

19

17

100,209

86,148

14,061

100,186

86,127

14,059

23

21

114,141

98,330

15,811

111,199

96,703

14,496

2,942

1,627

1,315

141,137

124,698

16,439

138,169

123,053

15,116

3,013

1,678

1,335

45

33

12

()

(:)

(:)

(:)

141,137
124,698

114,141
98,330

2014. 9

2013. 9

2014. 9 2013. 9

11
2014 3

100,209

86,148

2014. 9 2013. 9


( : )

31

(A)

19

(I/S)
-12

(B)

9,598

9,594

-9

(C)

13,461

13,461

399

23,090

23,074

-9

573

20

22

23,110

23,096

-9

576

(D)
(A+B+C+D)

(B/S)

186

( : )

2014 3

2013 3

6.9

8.3

1.4

12.3
115.6

25.8
163.8

13.5
48.2

0.7
20.0

1.3
20.0

0.6
-

6.5
1.4
160.6

3.1
1.9
220.4

3.4
0.5
59.8

13.9
140.3
-

11.6
205.1
-

2.3
64.8
-

6.4

3.7

2.7

160.6

220.4

59.8

()
()

) Position() ()

( : )

2014 3

2013 3

) , 5

12
2014 3

JEONBUK BANK 2014 3rd Quarter Report

( : %)

8.1

30 90 6 1
23.11

23.61

28.40

17.53

-1.45

0.22

) ( - ) /

( : , %)

846

846

0.13

952

952

0.15

920

920

0.14

745

745

0.11

907

907

0.14

818

818

0.12

1,059

1,059

0.16

1,347

1,347

0.20

834

834

0.12

) 1. , (+), (-)
2. ,

[]
Front Officer () : ,
Middle Officer () : , ,
Back Officer () : , ,

400

:
:
:
800

13
2014 3

:
:
:
0

( )

10

20

( )

[]
Front Officer () : , ,
Middle Officer () :
Back Officer () : ,

) /

()
- /

()
-
-

, ()
- + SPREAD

14
2014 3

JEONBUK BANK 2014 3rd Quarter Report

()

()

()

()

()

()

()

()

()

()

()

()

15
2014 3


1)
, ,
.

2)

.
99%, 10 VaR .
VaR
(stress testing) .
,
.

3)
( : )

2014 3

2013 3

19

19

11

11

28

28

11

11

4) VaR
( : )

2014 3

2013 3

VaR

VaR

1) .
2) VaR Matrix Parametric VaR, .
3) VaR 99%, 10 .
4) VaR 2014.1.1~2014.9.30. (2013 3 )

16
2014 3

JEONBUK BANK 2014 3rd Quarter Report

5) VaR
.

6)


. ,
(earnings perspective)
(Net Interest Income : NII) ( 1)
. (economic value perspective)
,
.

,
, .

VaR, , EaR
.

VaR : BIS (Standardized Framework) (2%)
,
20% .

EaR : BIS
(Middle of Time band)", (2%)
, EaR 1 .

17
2014 3

1)

(2014. 10. 31. )

(P)

( )

P=a+b+c+d
+e+f+g+h+i
+j

(R)
R=Pk
-lmn

(Z)

Z=R+t

) 1. , , , , ,
2. ( ) ,

1.
(2014. 10. 31. )

(D)

(R)

D=a-(b+c+e+f)

R=D(g,h)

2.
- , , , ,

2)

( : %, 2014. 10. 31. )

1)

(,1)

2)

(1)

(1)

(1)

4(+)

6(-)

5.56~7.30
1
5.28~6.19
1
5.28~6.19

6.24~7.98
3.30~5.42
3.25
4(+)
5.99~6.90
4(+)
5.99~6.90

9.77~11.51
6(-)
11.41~12.32
6(-)
11.41~12.32

) 1.
2.

18
2014 3

()

JB

2.05+1.20

()

()

JEONBUK BANK 2014 3rd Quarter Report

( : %, 2014. 10. 31. )
1)

2)

0.10

0.10(5)

0.30(5)

6 1

2.00

1 2

2.30

2 3

2.40

3 4

2.50

4 5

2.60

1 3

1.15

3 6

1.20

6 1

1.30

1 2

1.60

2 3

1.65

1.85

3 : 4.00

()

JB
) 1.
2.

19
2014 3

()
:


.
( : )
)

2014 3

10

10 100

100

) < 3 >
( )

.
( : )

2014 3

20
2014 3

JEONBUK BANK 2014 3rd Quarter Report

1)
( : , )

@7,820

@6,170

2008.3.14

8,000

5,867

2008.3.14

23,000

10,580

12,420

@7,820

@6,170

31,000

16,447

14,553

2,133 2011.3.15-2015.3.14

: 7,820
) 1. : ()
2. : / /
- 290,000 () 275,447, 14,553.
3. : @ 7,060 (2014. 9. 30 )
4. :
5.
6.
-

(113,804,460 14,553) = 7,820

7.
- ( 10) : 100 10
- ( 9) : 100 3 60

2)

2, 1 1
,

, , , ,

(/)
/
( 1/3) 3

21
2014 3

20

20

BIS

20

20

20

100

100%

50 100

50% ~
99%

: /100
50

0%

100

) 1. : 80% 10~20 . , 80%

0 : 10 + ( - 80)/2
2. , BIS, , : / 0 20

3) ,

) ,

) 1. : ()
2. :
3.

) : 2) (/)

22
2014 3

JEONBUK BANK 2014 3rd Quarter Report

()
( : )

54 3
(2014.09.30 )

53
(2013.12.31 )

1.

965,371

622,009

1,872

676

3.

959,427

1,155,782

4.

1,346,126

1,275,125

5.

10,052,029

8,872,233

6.

141,486

140,627

7.

69,186

38,774

8.

24,606

29,240

256,828

293,898

13,816,931

12,428,364

1.

11,119,893

9,930,150

2.

564,796

592,415

3.

760,000

710,060

8,913

8,372

5.

10,374

753

6.

19,399

30,206

408,411

346,531

12,891,786

11,618,487

1.

374,122

334,122

2.

89,000

89,000

3.

52,090

12,300

4.

(8,732)

(7,888)

5.

418,665

382,343

( )

(79,811)

(60,350)

( )

(8,885)

(19,461)

925,145

809,877

13,816,931

12,428,364

2.

9.

4.

7.

23
2014 3

 ()
( : )

54 3
(2014.1.1~2014.9.30)

53 3
(2013.1.1~2013.9.30)

51,288

57,135

(1)

250,319

224,134

1.

459,744

434,252

2.

(-)209,425

(-)210,118

(-)8,589

2,411

1.

12,956

14,612

2.

(-)21,545

(-)12,201

(-)1,133

(-)652

(4)

2,194

11,142

(5)

1,047

1,074

(-)49,914

(-)44,256

(-)45,864

(-)44,256

(2)

(3)

(6)
1.

(-)4,050

(7)

2.

(-)124,059

(-)120,776

1.

(-)70,593

(-)77,994

2.

(-)22,230

(-)15,111

3.

(-)31,236

(-)27,671

(-)18,577

(-)15,942

(-)678

(-)1,605

(-)17,899

(-)14,337

(-)1,259

(-)3,040

(1)

766

935

(2)

(-)2,025

(-)3,975

50,029

54,095

(-)9,930

(-)12,747

40,099

41,348

31,214

18,669

(-)844

(-)5,706

(-)1,870

1,056

(-)1,870

1,056

1,026

(-)6,762

1,026

(-)6,762

39,255

35,642

599

634

(8)
1.
2.
II.

III.
IV.
V.
( )
VI.
(1)
1.
(2)
1.
VII.
VIII.

24
2014 3

JEONBUK BANK 2014 3rd Quarter Report

( : %)

2.34

2.34

2.34

2.32

4.05

2.40

2.40

2.38

2.36

4.94

2.46

2.46

2.44

2.41

6.54

) 1. .
2.
,
= {(-)/} 100 (365/)

=

25
2014 3


()
( : )

54 3
(2014.09.30 )

53 3
(2013.09.30 )

1.

155,413

2.

1,960

1,960

3.

2,260

2,260

4.

2,681

2,681

5.

4,474

6.

(-)23

7.

134,500

301,265

70,151
1,674
1,674
2,124
2,124
1,620
1,620
3,276
(-)21
89,000
167,824

1.

294,240

27

56

11,346

290

186,010

273

8,994

87,224

2.

6,247

259

5,910

76

3.

778

301,265

26
2014 3

162,676
26
9
56
1
1
11,870
6
2
298
89,161
343
8,698
52,205
4,353
330
3,982
41
795
167,824

JEONBUK BANK 2014 3rd Quarter Report

()
( : )

54 3
(2014.1.1~2014.9.30)

53 3
(2013.1.1~2013.9.30)

2,591

1,725

2.

133

133

56

70

56

70

109

41

1.

3.

4.

105

39

124

23

21

142

15

140

7.

62

55

8.

22

14

9.

10.

1,666

1,269

4,651

3,475

4,122

2,928

210

255

1,991
7

1,252
8

183

190

1,723

1,214

28

3.

4.

486

525

5.
6.

()

1.

2.

5.

10

4,651

3,475

6.
7.

27
2014 3