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Growth with BUSAN Power of PUSAN BANK CONTENTS Annual Report Growth with BUSAN Power of PUSAN BANK CONTENTS 01 Corporate Profile 02 Feature Story 06 Financial Highlights / Shareholder Information Pusan Bank is Korea’s premier regional banking institution, providing a full range 08 Message from the CEO of advanced financial products and services. 10 Sustainable Future 12 Busan Regional Economic Trends and Forecast Established in 1967, Pusan Bank has enjoyed nearly four decades of undisputed market leadership in our home base of Busan, Korea’s second largest city and one of Asia’s busiest 14 Vision &Strategies ports, and in the regional economy of Korea’s Southeast. Our network of 209 domestic branch 16 Social Activities offices and workforce of 1,987 staff stand ready to serve over 2.6 million customers in 18 Review of Operations our region and around the nation. 25 Financial Section 70 Board of Directors Innovation and responsiveness to customers’ needs are the hallmarks of Pusan Bank’s 72 Organization Chart management philosophy. To better meet these changing needs, we have diversified from 73 History of Pusan Bank traditional banking activities of deposit-taking & lending into such high-growth areas as wealth 74 International Banking Directory management, bancassurance and mobile banking. 75 Domestic Subsidiaries 76 Corporate Data Times and technologies are forever changing. What remains the same today as it will tomorrow is Pusan Bank’s commitment to being a reliable partner and vital contributor to the people, business and economy of Busan and southeastern Korea. Corporate Profile Corporate Corporate Profile Pursuing ProfitableGrowth Shareholders Come First Feature Story2 Feature Story1 33.2 % 34.8 % Shareholders Pursuing Come First Profitable Growth As a publicly traded enterprise, Pusan Bank is owned by and run for its shareholders. Investor satisfaction is In the banking world, numbers always speak louder than words. as important to us as customer satisfaction, and we measure our success as much by shareholder value as The figures and percentages of Pusan Bank’s key financial indicators made 2005 a year for the record by net income. To reward investors, Pusan Bank maintains a high payout ratio (33.2% on 405 won/share cash books. While maintaining high levels of asset soundness and capital adequacy, dividends in 2005). To earn their confidence, we uphold the industry’s highest standards of transparency, we achieved record-breaking net income of 178.9 billion won and raised our profitability by 34.8%. ethics and good corporate governance through cumulative voting, written ballots and other systems that ROA and ROE were 0.99% and 16.34%, respectively, both impressive by international standards. protect the interests of all shareholders large and small. PUSAN BANK PUSAN BANK A FriendlyFaceandaHelpingHand Feature Story4 Feature Story3 Smiles All Around PUSAN BANK 209Branches Smiles A Friendly Face and All Around a Helping Hand Pusan Bank’s approach to customer satisfaction is simple and direct: At Pusan Bank, we take our responsibility to the community very seriously. In addition to our many ongoing We aim to give our customers more of what they want, more conveniently. Broadening welfare, environmental and educational programs, Bank management and employees devoted their time our Private Banking personnel and dedicated PB branches. Expanding our branch network in South and energy to the 2005 Busan APEC Economic Leaders’ Meeting. From PR campaigns and volunteer Kyongsang Province and the city of Ulsan. Increasing our “mobile branch” operations. activities to co-branded APEC credit cards and Global ATMs, Pusan Bank worked hand-in-hand with other Streamlining our teller services through BPR-related efficiencies. These are but a few of the steps sponsors to ensure the city’s successful hosting of this high-profile international event. Pusan Bank is taking to make banking with us a pleasure. PUSAN BANK Years ending December 31 Stock Price (In billions of won) 16,000 Financial 2005 2004 14,000 For the Fiscal Year Total Revenues 1,352.9 1,235.2 12,000 Total Expenses 1,174.0 1,102.5 Highlights Shareholder Information Financial Highlights/ Net Income 178.9 132.7 10,000 At Year’s End 8,000 Total Assets 19,343.3 17,134.3 Total Deposits 13,997.1 12,803.5 6,000 Total Loans 12,209.0 11,075.5 4,000 Securities 5,090.3 4,059.5 Shareholders’ Equity 1,146.5 1,025.7 2,000 (In millions of US $) 0 2005 2004 04’-01-02 04’-04-01 04’-04-23 04’-06-30 04’-09-22 04’-12-20 05’-03-21 05’-05-06 05’-09-09 05’-12-06 06’-03-03 For the Fiscal Year Total Revenues 1,335.5 1,183.3 Total Expenses 1,158.9 1,056.2 Net Income 176.6 127.1 Shareholding Structure (as of Dec. 31, 2005) At Year’s End Total Assets 18,805.3 14,304.8 Individual (Large) Foreign PUSAN BANKAnnualReport2005 Shareholder Information Total Deposits 13,487.0 12,266.2 20.12% 60.20% Financial Highlights / Total Loans 12,029.7 10,610.7 Lotte : 14.11% Securities 4,808.5 3,889.1 Parkland : 4.11% Korea Iron & Steel : 1.90% Shareholders’ Equity 1,131.7 982.6 Individual 1) FY2005 : 1,013.00, FY2004 : 1,043.80 per US$ 1.00 15.43% 2) Total assets are the sum of bank and including trust account, less intra-account and security investment trust. Institutional 4.25% Total Assets (billions of won) FY03 16,560.7 Major Shareholders (as of December 31, 2005) FY04 17,415.0 Lotte Group (Including Lotte Japan) 14.11 % Capital Research & Management Company 10.98% FY05 19,343.3 Parkland Co., Ltd. 4.11 % Korea Iron & Steel Co., Ltd. 1.90 % PL-ABDN GL 1.63 % Total Shareholders’ Equity (billions of won) FY03 936.9 FY04 1,025.7 FY05 1,146.5 Net Income (billions of won) Shareholder FY03 121.3 FY04 132.7 FY05 178.9 Information banking services. By implementing business process re-engineering Pusan Bank improved branch and task specialization systems, Pusan Bank improved branch Message productivity, and by strengthening responsible management systems productivity by implementing we established the foundations of a performance-based corporate Business Process Re-engineering culture. Pusan Bank maintained its 2nd-place ranking in the Financial from the CEO Message fromtheCEO and task specialization, while Supervisory Service’s management evaluation of domestic banks. To the Customers and Shareholders of Pusan Bank: Meanwhile, the bank’s share price soared 66.7% in 2005, outpacing establishing a performance- the KOSPI by a wide margin. We also reinforced our commitment to I would like to begin by thanking you for your unwavering support in based corporate culture by the advancement and prosperity of our region community. Through 2005, a year of considerable uncertainty and change in Pusan Bank’s “My Hometown Love 21” Program launched in 2001, we carried out a operating environment. number of projects including various support for the APEC Economic strengthening responsible Leaders Meeting in Busan, actively pursued joint projects with local Korean financial institutions were beset by a number of challenges in management autonomous government entities, and expanded the scope of our 2005. Although the economy began to rebound from the second half community volunteer activities from Busan to Ulsan. In recognition of and exports were brisk throughout the year, household debt levels and its exemplary service to society, Pusan Bank was chosen as one of high oil prices depressed consumption and facilities investment. In the Korea’s “30 Most Reputable Companies” of 2005. financial sector, Korean banks faced ongoing difficulties during the year in supplying and operating funds due to weak demand for financing For their continued support and confidence, which enabled Pusan and low market interest rates. Bank to achieve such impressive results in all areas of our operations last year, I wish to reiterate my deepest thanks to our customers and Rising to these challenges in our business environment, Pusan Bank shareholders. turned in a stellar performance in 2005. Net income advanced by a solid 34.8% over 2004 to record 178.9 billion won, the highest in the The Korean economy has recently shown stable recovery based on a solid improvement in domestic demand, yet high oil prices and the bank’s 38-year history. Meanwhile, our return on equity (ROE) rose to PUSAN BANKAnnualReport2005 Message from the CEO 16.34% and our BIS ratio to 12.25%, and our credit classified as strong Won currency remain key uncertainties. In the financial market, “substandard and below” fell to 0.94%. These figures are a testament along with the growing rivalry for the title of “leading bank,” to Pusan Bank’s world-class standards of asset quality and financial competition from investment banking institutions is also expected to soundness. heat up with the implementation of the Capital Market Consolidation Act. By business sector, we recorded solid growth in time deposits, combined-premium deposit products, beneficiary certificate sales, and Amid these market conditions, we are confidently moving toward our investment products including bancassurance. We attracted new long-term vision of becoming a globally recognized leading regional municipal custody business, developed new products including special bank within the shortest time possible. To do so, we have established accounts for public employees, internet-based cyber accounts and a series of mid-term management strategies that will guide our equity index-linked financial instruments, and installed additional safe- progress through the year 2007. deposit boxes. Private Banking Rooms were created to improve services for our most valued individual customers. As a result, Pusan In 2006, Pusan Bank’s target is a second year of stable growth through Bank recorded a 6.88% year-on-year increase in total deposits to strengthened sales capabilities.
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