SECURITIES AND EXCHANGE COMMISSION 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 ------------- Woori Finance Holdings Co., Ltd. -------------------------------- (Translation of registrant's name into English) 203, Hoehyon-dong, 1-ga, Chung-gu, Seoul, Korea ----------------------------------------------- (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 holders. 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 Tentative Key Consolidated Financial Figures of Woori Finance Holdings Co., Ltd. for 2003 The tentative key consolidated financial figures of Woori Finance Holdings Co., Ltd. for 2003 are as follows. Key Figures (units: millions of KRW) -------------------------------------------------------------------------------- Item FY2003 FY2002 Change -------------------------------------------------------------------------------- Operating Income 104,424 96,240 8.5% -------------------------------------------------------------------------------- Net Operating Income 1,099 7,153 (84.6)% -------------------------------------------------------------------------------- Ordinary Income 2,313 4,549 (49.2)% -------------------------------------------------------------------------------- Net Profit 565 5,916 (90.4)% -------------------------------------------------------------------------------- The figures above are subject to adjustments in the future following an external audit and the general shareholders' meeting. Exhibit 99.2 Capital Injection into Woori Credit Card by Woori Finance Holdings The Board of Directors of Woori Finance Holdings resolved to approve a capital injection in the amount of KRW800 billion into Woori Card. Key Details . Reason Behind Capital Injection The capital injection of Woori Card will be carried out in order to maintain Woori Bank's capital adequacy position after the merger. . Capital Injection Amount KRW800,000,000,000 . Capital Injection Timing The capital injection will be executed prior to the merger of Woori Card into Woori Bank, which is will be completed on March 31, 2004 . Woori Card's Common Stock Base KRW2,013,000,000,000 The figures above are subject to adjustments in the future following an external audit and the general shareholders' meeting. Exhibit 99.3 Tentative Key Consolidated Financial Figures of Woori Credit Card Co., Ltd. for 2003 The tentative key consolidated financial figures of Woori Credit Card Co., Ltd. for 2003 are as follows. Key Earnings Figures (units: millions of KRW) ------------------------------------------------------------------------------------------------------ Item FY2003 FY2002 Change Reason(s) ------------------------------------------------------------------------------------------------------ Revenue 983,899 915,039 68,860 ------------------------------------------------------------------------------------------------------ Ordinary income (loss) (1,199,611) (151,419) (1,048,192) Increased principally from higher levels of provisions and write-offs with respect to increased delinquencies on outstanding card receivables ------------------------------------------------------------------------------------------------------ Net profit (loss) (1,320,571) (151,419) (1,169,152) Increased principally from higher levels of provisions and write-offs with respect to increased delinquencies on outstanding card receivables ------------------------------------------------------------------------------------------------------ The figures above are subject to adjustments in the future following an external audit and the general shareholders' meeting. SIGNATURES 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. Woori Finance Holdings Co., Ltd. ---------------------------------- (Registrant) Date: February 12, 2004 By: /s/ Won Gihl Sohn ---------------------------------- (Signature) Name: Won Gihl Sohn Title: Managing Director