RNS No 5228e
HOUSING & COMMERCIAL BANK, KOREA
July 15, 1999


                    H&CB'S ISSUANCE OF COMMON STOCK

1. TYPES AND NUMBER OF NEW ISSUES
- 9,914,777 Shares of Registered Common Stock

2. OBJECTIVES OF FUNDING
- Investment in IT (Information Technology) and General Operation

3.PRICE OF THE ISSUES
- KRW 33,500 per share (par value: KRW 5,000)

4. METHOD OF ALLOTMENT
- Private placement to ING Insurance International, B.V. and ING International
Financial Holdings, B.V.

5. SUBSCRIPTION DATE : July 15,1999

6. CLOSING DATE : August 17,1999

7. FIDUCIAL DATE FOR DIVIDEND PAYOUT : January 1, 1999

8. RESOLUTION DATE OF THE BOARD OF DIRECTORS : July 15, 1999

9. OTHERS
- The contents above mentioned shall be subject to change during the approval
  process by the related regulatory authorities and execution process of the
  investment agreement with ING Insurance International. B.V. and ING
  International Financial Holdings, B.V. The president of H&CB has the authority
  to make decision on conditions that have not been addressed above.

END

MSCAILLEDRIRLAA


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