Washington, D.C. 20549

                                    Form 6-K

                        REPORT OF FOREIGN PRIVATE ISSUER
                     PURSUANT TO RULE 13a-16 OR 15d-16 UNDER
                       THE SECURITIES EXCHANGE ACT OF 1934

For the month of April, 2003

                                  Kookmin Bank

                 (Translation of registrant's name into English)

             9-1, 2-Ga, Namdaemun-Ro, Jung-Gu, Seoul, Korea 100-703
                     (Address of principal executive office)

     Indicate by check mark whether the registrant files or will file annual
reports under cover of Form 20-F or Form 40-F.

                        Form 20-F  X    Form 40-F
                                 -----           -----

     Indicate by check mark if the registrant is submitting the Form 6-K in
paper as permitted by Regulation S-T Rule 101(b)(1):

     Note: Regulation S-T Rule 101(b)(1) only permits the submission in paper of
a Form 6-K if submitted solely to provide an attached annual report to security

     Indicate by check mark if the registrant is submitting the Form 6-K in
paper as permitted by Regulation S-T Rule 101(b)(7):

     Note: Regulation S-T Rule 101(b)(7) only permits the submission in paper of
a Form 6-K if submission to furnish a report or other document that the
registration foreign private issuer must furnish and make public under the laws
of the jurisdiction in which the registrant is incorporated, domiciled or
legally organized (the registrant's "home country"), or under the rules of the
home country exchange on which the registrant's securities are traded, as long
as the report or other document is not a press release, is not required to be
and has not been distributed to the registrant's security holders, and if
discussing a material event, has already been the subject of a Form 6-K
submission or other Commission filing on EDGAR.

     Indicate by check mark whether by furnishing the information contained in
this Form, the registrant is also thereby furnishing the information to the
Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

                            Yes          No  X
                                -----      -----


Exhibit 99.1        Kookmin Bank Issues "Bond-Type" Hybrid Tier1 Securities

Exhibit 99.2        2003 1st Quarter Bank Operating Results


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                           Kookmin Bank

Date: April 22, 2003                       By:/s/ Jong-Kyoo Yoon

                                           Name:   Jong-Kyoo Yoon
                                           Title:  Executive Vice President &
                                                   Chief Financial Officer

Exhibit 99.1

            Kookmin Bank Issues "Bond-Type" Hybrid Tier 1 Securities

On April 22, 2003, the board of directors of Kookmin Bank has approved and
ratified Kookmin Bank's issuance of bond-type Hybrid Tier 1 Securities in Korean
domestic market for the purpose of diversifying its funding sources and
improving its BIS capital adequacy ratio.

This is related to and updates the previously approved Hybrid Tier1 Securities
issuance resolution disclosed by us on January 17, 2003.

..    Main Terms & Conditions of Hybrid Tier1 Securities Issue

     -    Security type: Bond-type Hybrid Tier1 Securities
     -    Amount: Up to KRW 1.3 trillion
     -    Expected issue timing: 2nd quarter of 2003 (could be flexibly adjusted
          and possible partial issuance)
     -    Maturity: 30 years (possible renewal with the same terms & conditions,
          if not redeemed)
     -    Interest rate: To be decided upon market interest rate on the date of
     -    Interest payment type: Non-cumulative
     -    Call Option: To be decided

Exhibit 99.2

                Kookmin Bank's 2003 1st Quarter Operating Results

On April 22, 2003, Kookmin Bank has released operating results for the first
quarter of 2003.

Financial Highlights

The figures in this section are taken from unaudited and non-consolidated
financial statements. They are subject to change during the course of review
process by our independent auditor.

..       Balance sheet figures

(tn Won)                                          As of March 31
                                   2003              2002             Change (%)
                                   ----              ----             ----------
Total Assets                      178.9             160.5                   11.5
     Loans in Won                 120.0              99.6                   20.5
Total Liabilities                 168.8             150.7                   12.0
     Deposits in Won              126.8             120.3                    5.4
Total Stockholders' Equity         10.1               9.8                    3.1

..       Operating results

(bn Won)                                 For the 3 month periods ended March 31
                                         2003            2002         Change (%)
                                         ----            ----         ----------
Operating Income                        364.5           769.2              -52.6
Operating Income before Provisioning  1,021.0           994.8                2.6
Net Income                               73.9           672.2              -89.0
Income before Provisioning              827.5         1,201.3              -31.1

..       Key financial indicators are as follows

     .    NIM: 3.20%
     .    Return on assets (annualized): 0.17%
     .    Return on equity (annualized): 2.93%

..       Asset Quality

(bn Won)                                           As of March 31
                                        2003            2002     Change (%, %p)
                                        ----            ----     --------------
Total Loans for NPL Management     136,037.6       118,006.1              15.3%
Allowance for Loan Loss              2,928.3         2,586.5              13.2%
Substandard & Below Ratio               3.38%           3.42%            -0.04%p
Coverage Ratio                          63.6%           64.1%            -0.50%p
Delinquency Ratio                       3.39%           2.48%             0.91%p

..       Kookmin Bank will announce 2003 first quarter operating results with
        presentation at 16:00 April 22, 2003 in Seoul, and we'll post the
        presentation material on Kookmin Bank website (

This document and the attached presentation material contain forward-looking
statements, as defined in the safe harbor provisions of the United States
Private Securities Litigation Reform Act of 1995. These forward-looking
statements reflect Kookmin Bank's current views with respect to future events
and financial performance, and are subject to certain risks and uncertainties,
which could cause actual results to differ materially from those anticipated.
Although Kookmin Bank believes the expectations reflected in such
forward-looking statements are based upon reasonable assumptions, it can give no
assurance that its expectations will be attained. Kookmin Bank undertakes no
obligation to publicly update or revise any forward-looking statements, whether
as a result of new information, future events or otherwise.