DGB Financial : 1Q 2023 Investor Presentation

www.dgbfg.co.kr

1Q 2023 Financial Results

DGB Financial Group

Disclaimer

ㆍThis preliminary financial results is based on the Korean International Financial Reporting Standards(K-IFRS) and contained herein has not been reviewed and audited by independent auditors. Therefore, the results is subject to change without further notice.

ㆍFrom 2023, accounting standards related to insurance contracts are changed from IFRS4 to IFRS17. Revised accounting policy has been reflected in this IR material since 1Q23. The financial results prior to 1Q23 have not been retroactively amended. Please refer to page 6 for the effect of IFRS17 adoption.

ㆍDGB Life Insurance's financial statements have been restated due to new accounting policy related to guarantee reserve.

Accordingly, group financial results have been retrospectively restated and reflected in this IR Book.

Refer to the changes in net incomebelow.

Unit : bn. Won, Net Income	2018	2019	2020	1H21	3Q21
Before restatement (before new accounting policy)	381.1	327.4	-
Discount rate(as of the end of 2020) reflected	380.4	307.3	332.3	278.8	417.5
Discount rate(as of the end of 2021) reflected	361.4	281.0	342.2	307.8	452.6

ㆍSome information contained herein has not reflected accounting policy changes for effective historical analysis.

ㆍSome of the totals may not sum due to rounding.

ㆍThis material, Factbook, and financial statement are available at our website, www.dgbfg.co.kr.

ㆍFor more information, refer to our business report, Factbook, annual report, and financial statement.

ㆍDGB Financial Group undertakes no obligation regarding any investment judgment based on such statements or figures.

Contents

DGB Financial Group

DGB Daegu Bank

Non-Bank

Business Portfolio

Financial Results

Key Indicators

Capital Adequacy / Dividend

Group Strategies for Future Growth Condensed BS

Condensed IS

Market Share & Regional Economy

Financial Results

Loans & Deposits(Funding Structure)

Asset Quality & Delinquency

Hi Investment & Securities

DGB Life

DGB Capital

Hi Asset Management

DGB Financial Group

Group Structure	Page 05
Financial Results	Page 06
Key Indicators	Page 11
Capital Adequacy / Dividend	Page 12
Group Strategies for Future Growth	Page 14
Condensed Balance Sheet	Page 15
Condensed Income Statement	Page 16

∙ Assets	97.6 tr.	100%
∙ Equity	6.5 tr.

• Employees 4,768

(Overseas local employees excluded)

• Net Income 168.0 bn.

∙ ROE	12.16%	87.9%
∙ ROA	0.74%
			100%
			100%
	∙ EST. 2011. 5. 17	100%

• Total Assets 4.3 tr.

∙ Employees

102

100%

100%

100%

100%

77.7%

• This group structure is as of the end of 1Q23
• Bank trust account included in group & bank assets
• Net Income is based on consolidated basis
• Assets & net income are marked on KRW (Korean Won)
• Ownership described as percentage mark above
• ROE is based on shareholders' equity, ROE & ROA is annualized.

DGB Financial Group Business Portfolio

EST. : Established ACQ. : Acquired

∙ Assets	73,954.3 bn.	∙ Branches	201		∙ ROE 11.51%	EST.
∙ Equity	4,985.7 bn.	∙ Net Income	127.8 bn.	∙ ROA	0.72%	1967. 10
∙ Assets	13,252.7 bn.	∙ Branches	25		∙ ROE	3.86%	ACQ.
∙ Equity	1,381.4 bn.	∙ Net Income	14.0 bn.	∙ ROA	0.35%	2018. 10
∙ Assets	5,886.9 bn.					∙ ROE	30.75%	ACQ.
∙ Equity	530.7 bn.	∙ Net Income 30.6 bn.	∙ ROA	1.94%	2015. 1
∙ Assets	4,372.6 bn.	∙ Branches	2		∙ ROE	15.22%	ACQ.
∙ Equity	560.0 bn.	∙ Net Income	20.5 bn.	∙ ROA	1.91%	2012. 1
								ACQ.
∙ Assets	74.0 bn.	∙ Equity	71.4 bn.	∙ Net Income 1.6 bn.
2016. 10
								ACQ.
∙ Assets	35.5 bn.	∙ Equity	12.1 bn.	∙ Net Income 0.5 bn.
2013. 3
								EST.
∙ Assets	13.3 bn.	∙ Equity	11.6 bn.	∙ Net Income 0.3 bn.
2012. 4
								EST.
∙ Assets	5.7 bn.	∙ Equity	5.4 bn.	∙ Net Income 0.1 bn.
2000. 7
								ACQ.
∙ Assets	20.4 bn.	∙ Equity	20.0 bn.	∙ Net Income 0.3 bn.
2021. 4
								ACQ.
∙ Assets	6.5 bn.	∙ Equity	6.3 bn.	∙ Net Income -0.4bn.
2021. 8