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 February 2004

                                  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


                            2003 Earnings Conference

Kookmin Bank invites you to attend our 2003 Earnings Conference which will be
webcasted live throughout the world on our IR website at
Investors are encouraged to participate by telephone during the Q&A session
following the presentation.

     .   Date                     February 9, 2004 (Monday)

     .   Time                     16:00 Seoul / 07:00 London / 02:00 New York /
                                  15:00 Hong Kong & Singapore

     .   Venue                    21/st/ Fl., Korea Stock Exchange, Youido-dong,
                                  Youngdeungpo-ku, Seoul, Korea

     .   Procedures               Presentation & Q&A session

     .   Q&A via telephone

         - From overseas          82-31-500-0501 or 82-2-6677-2256

         - From Korea             1566-2256, 02-6677-2256 or 031-500-0501

         - Pass code              6412

         - Q&A code               14

     .   Recording service for the telephone conference

         Listening order

         1. Dialing

            - From overseas:      82-31-500-0401

            - From Korea:         031-500-0401

         2. Press listening code: 7927#

         Press button instructions

            - 1 min. F.F.:        1

            - 5 min. F.F.:        7

            - 1 min. REW:         3

            - 5 min. REW:         9

            - Pause:              5

            - To cancel pause:    5

The Conference will be webcasted in Korean and English at The
presentation material also will be available at the time of conference at our



     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: February 2, 2004           By: /s/ Ki-Sup Shin

                                      Name:   Ki-Sup Shin

                                      Title:  Executive Vice President &
                                              Chief Financial Officer