On July 29, 2002, Kookmin Bank had an earnings conference to release operating results for the first half of 2002. The presentation material is attached here.

Attachment: First Half 2002 Earnings Conference.

The presentation attached hereinafter contains forward- looking statements with respect to the business plans and objectives of the management of Kookmin Bank. Statements that are not historical facts, including statements about beliefs and expectations, are forward-looking statements. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results or performance of Kookmin Bank to be materially different from any future results or performance expressed or implied by such forward-looking statements. Kookmin Bank does not make any representation or warranty, expressed or implied, as to the accuracy or completeness of the information contained in this presentation, and nothing contained herein is, or shall be relied upon as, a promise or representation, whether as to the past or the future. Such forward-looking statements were based on current plans, estimates and projection of Kookmin Bank and the political and economic environment in which Kookmin Bank will operate in the future, and therefore you should not place undue reliance on them. Forward-looking statements speak only as of the date they are made, and Kookmin Bank undertakes no obligation to update publicly any of them in light of new information or future events. Additional information concerning these and other risk factors are contained in Kookmin Bank’s latest annual report on Form 20-F and in Kookmin Bank’s other filings with the U.S. Securities and Exchange Commission.