Kb Financial Group Inc. · KRX:105560
Kb Financial — Q3 2025 Earnings Presentation
33 slides from Kb Financial's earnings presentation, Oct 30, 2025
Slide 1: 3Q25 Business Results
3Q25 Business Results October 2025
Slide 2: Disclaimer
Disclaimer 1. The consolidated financial information of KB Financial Group Inc. (the “Group”) presented herein is based on the Korean International Financial Reporting Standards(K-IFRS). It is currently being reviewed by the Group’s independent auditor, and accordingly, is subject to change. 2. The
Slide 3: Contents
CONTENTS I. 3Q25 Financial Highlights 01 II. Financial Analysis 05 III. Financial Details 12 IV. Financial Highlights of Major Subsidiaries 17 V. Appendix 22
Slide 4: 3Q25 Financial Highlights
3Q25 Financial Highlights 01 Key Takeaways Overview
Slide 5: Navigating Headwinds with a Resilient Portfolio
Ⅰ. 3Q25 Financial Highlights | Key Takeaways Navigating Headwinds with a Resilient Portfolio Optimal Level of RWA growth <RWA Trend(tn won)> + 3.5% 2024 2020 2022 2024 2025.9 Differentiated Profitability <Core Deposit Trend(tn won)> + 12.8tn (+8.4%, YTD) (Source : Bank of Korea) 2023.12 2024.12 2025
Slide 6: New Money Move: Well-prepared to capture opportunities
Ⅰ. 3Q25 Financial Highlights | Key Takeaways New Money Move : Well-prepared to capture opportunities Well-prepared Leader in the Capital Market (tn won) (pt.) 4,000 4,000 [Securities] [Bank] [AssetManagement] 3,500 3,500 Capital Inst. Brokerage Fund Sales AUM 3,000 Market 3,000 IPO DCM Boost 2,500
Slide 7: 3Q25 (Cumulative) Group Net Profit 5,121.7bn
Ⅰ. 3Q25 Financial Highlights | Overview 3Q25(Cumulative) Group Net Profit 5,121.7bn Increased 16.6% YoY driven by balanced growth in interest and fee income, coupled with disciplined cost control Group Net Profit (bn won) Group ROE (%) YoY +16.6% YoY +1.48%p YoY +16.6% 12.79 11.72 11.52 12.45 5,122
Slide 8: 3Q25 Group Net Profit Analysis and Subsidiary Contribution
Ⅰ. 3Q25 Financial Highlights | Overview 3Q25(Cumulative) Group Net Profit 5,121.7bn Expanded net profit, proving the Group’s well-diversified banking and non-banking portfolio amid volatile market environment Group Net Profit Analysis (bn won) Net Profit by Subsidiaries1) & Non-Bank Contribution2) (
Slide 9: Financial Analysis
Financial Analysis 02 Net Interest Income Net Non-Interest Income G&A Expenses Provision for Credit Losses Capital Adequacy [Reference Item] Per Share Metrics
Slide 10: Group Net Interest Income 9,704.9bn
Ⅱ. Financial Analysis | Net Interest Income 3Q25(Cumulative) Group Net Interest Income 9,704.9bn Increased 1.3% YoY supported by stable loan growth and reduced funding costs mainly attributable to the expansion of low-cost deposits Group Net Interest Income Loans in Won Growth (tn won, %) +1.3% 2.9
Slide 11: Group Net Non-Interest Income 3,739.0bn
Ⅱ. Financial Analysis | Net Non-Interest Income 3Q25(Cumulative) Group Net Non-Interest Income 3,739.0bn Decreased 1.1% YoY due to lowered other operating income, yet demonstrated solid earnings with a 3.5% YoY growth in fee income Group Net Non-Interest Income Net Fee & Commission Income (bn won) 1
Slide 12: Group G&A Expenses 5,007.7bn
Ⅱ. Financial Analysis | G&A Expenses 3Q25(Cumulative) Group G&A Expenses 5,007.7bn Stably managed with a 2.8% YoY increase, backed by group-wide cost-efficiency efforts while CIR inched up by 0.7%p Group G&A Expenses Group Cost Efficiency(CIR) (%) YoY +2.8% 54.7 49.7 48.4 +0.7%p 3Q25 3Q24 49.4 (bn w
Slide 13: 3Q25 Group Provision for Credit Losses 364.5bn
Ⅱ. Financial Analysis | Provision for Credit Losses 3Q25 Group Provision for Credit Losses 364.5bn Decreased significantly by 44.4% QoQ driven by prudent risk management, with cumulative CCR stabilizing at 46bps Group Provision for Credit Losses Provision for Credit Losses (bn won) QoQ △ 44.4% 3,146
Slide 14: Group BIS Ratio 16.28%, CET-1 Ratio 13.83%
Ⅱ. Financial Analysis | Capital Adequacy 2025.9 Group BIS Ratio 16.28%, CET-1 Ratio 13.83% Despite RWA increase due to asset growth and KRW depreciation, the Group maintained industry-leading capital adequacy Group Capital Adequacy Group Capital Ratio (Based on Basel Ⅲ, %) CET-1 Ratio QoQ +6bp 16.58
Slide 15: Group BIS Ratio 16.28%, CET-1 Ratio 13.83% (RWA)
Ⅱ. Financial Analysis | Capital Adequacy 2025.9 Group BIS Ratio 16.28%, CET-1 Ratio 13.83% Despite RWA increase due to asset growth and KRW depreciation, the Group maintained industry-leading capital adequacy Group RWA(Risk-weighted Assets) (tn won, %) Group’s RWA Management Strategy 10.9 6.1 7.7 4.
Slide 16: KB Financial Group Per Share Metrics
Ⅱ. Financial Analysis | [Reference Item] Per Share Metrics KB Financial Group Per Share Metrics EPS (won) BPS & TBPS (won) ■ EPS ■ BPS ■ TBPS +6.6% +21.2% 12,880 162,294 13,531 152,836 152,242 147,626 11,134 11,483 134,801 10,230 11,165 121,808 8,809 109,086 157,435 142,546 147,644 147,057 130,031 1
Slide 17: Financial Details
Financial Details 03 P&L Overview Financial Position Overview Assets & Liabilities Asset Quality
Slide 18: Group Profit & Loss Overview
Ⅲ. Financial Details | P&L Overview Group Profit & Loss Overview 3Q25 3Q24 (bn won, %) YoY 3Q25 2Q25 QoQ (Cumulative) (Cumulative) Net Interest Income 9,704.9 9,583.8 1.3 3,336.2 3,106.5 7.4 Net Fee & Commission Income 2,952.4 2,852.4 3.5 986.4 1,032.0 -4.4 Other Operating Profit 786.6 929.6 -15.4 2
Slide 19: Group Financial Position Overview
Ⅲ. Financial Details | Financial Position Overview Group Financial Position Overview (tn won, %) 2025.9 2025.6 QoQ 2024.12 YTD (tn won, %) 2025.9 2025.6 QoQ 2024.12 YTD Assets 796.1 780.6 2.0 757.8 5.1 Shareholder’s Equity 61.4 60.9 0.8 59.8 2.7 Cash & Due from 25.3 34.1 -25.8 29.9 -15.4 Share Capit
Slide 20: Assets & Liabilities (1) Bank
Ⅲ. Financial Details | Assets & Liabilities (1) Bank Assets & Liabilities (1) Bank QoQ YTD (tn won, %) 2025.9 2025.6 Amt. (%) 2024.12 Amt. (%) Bank Loans in Won 375.4 372.2 3.2 0.9 363.6 11.8 3.3 Household 182.0 180.8 1.2 0.7 176.8 5.2 2.9 Mortgage 111.9 110.4 1.5 1.5 106.1 5.8 5.6 General 70.1 70.4
Slide 21: Assets & Liabilities (2) Card
Ⅲ. Financial Details | Assets & Liabilities (2) Card Assets & Liabilities (2) Card QoQ YTD (tn won, %) 2025.9 2025.6 Amt. (%) 2024.12 Amt. (%) Card Assets 27.3 27.0 0.3 1.1 27.6 -0.3 -1.1 Credit Card 22.8 22.6 0.2 0.9 23.4 -0.6 -2.6 Credit Sales 15.7 15.1 0.6 4.0 15.3 0.4 2.6 [Installments] 6.2 5.9
Slide 22: Asset Quality
Ⅲ. Financial Details | Asset Quality Asset Quality Group Asset Quality (bn won, %) 2025.9 2025.6 QoQ 2025.3 2024.12 2024.9 YoY Total Loans for NPL Classification 478,625.7 473,021.3 1.2 469,840.3 469,864.0 462,571.1 1.9 Precautionary 4,182.2 4,096.0 2.1 4,100.8 4,459.6 4,265.0 -6.2 Substandard 1,542
Slide 23: Financial Highlights of Major Subsidiaries
Financial Highlights of Major Subsidiaries 04 KB Kookmin Bank KB Securities KB Insurance KB Kookmin Card KB Life Insurance
Slide 24: KB Kookmin Bank
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Bank KB Kookmin Bank Financial Profit for 3Q25 (Cum.) 3Q25 ROE (Cum.) 3Q25 CIR (Cum.) 3Q25 CCR (Cum.) 3Q25 NIM Highlights 3,364.5bn 11.73% 38.5% 18bp 1.74% Profitability Overview 1) Key Financial Indicators (bn won, %) 3Q25 3Q24 YoY 3Q25 2Q
Slide 25: KB Securities
IV. Financial Highlights of Major Subsidiaries | KB Securities KB Securities Financial Profit for 3Q25 (Cum.) 3Q25 ROE (Cum.) League Table (The Bell) League Table (Bloomberg) Institutional Stock M/S Highlights 496.7bn 9.73% IPO No.1 DCM No.1 No.1, 9.2% Profitability Overview 1) Key Financial Indicat
Slide 26: KB Insurance
IV. Financial Highlights of Major Subsidiaries | KB Insurance KB Insurance Financial Profit for 3Q25 (Cum.) 3Q25 ROE (Cum.) 3Q25 ROA (Cum.) K-ICS CSM Highlights 766.9bn 18.58% 2.43% 191.8% 9,393.9bn Profitability Overview 1) Key Financial Indicators (bn won, %) 3Q25 3Q24 YoY 3Q25 2Q25 QoQ (bn won, %
Slide 27: KB Kookmin Card
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Card KB Kookmin Card Financial Profit for 3Q25 (Cum.) 3Q25 ROE (Cum.) Card Assets Active Customers Card Transaction Vol. Highlights 280.6bn 6.96% 27.3tn 10,281K 135.9tn Profitability Overview 1) Key Financial Indicators (bn won, %) 3Q25 3Q2
Slide 28: KB Life Insurance
IV. Financial Highlights of Major Subsidiaries | KB Life Insurance KB Life Insurance Financial Profit for 3Q25 (Cum.) 3Q25 ROE (Cum.) CSM New Contract APE K-ICS Highlights 254.8bn 7.82% 3,195.0bn 866.3bn 254.2% Profitability Overview 1) Key Financial Indicators (bn won, %) 3Q25 3Q24 YoY 3Q25 2Q25 Qo
Slide 29: Appendix
Appendix 05 Overview of Group Subsidiaries Condensed Income Statement by Subsidiaries Group Digital
Slide 30: Overview of Group Subsidiaries (3Q25 Cumulative)
V. Appendix Overview of Group Subsidiaries1) (3Q25 Cumulative) (bn won, %) Ownership Total Assets Shareholder’s Equity Profit for the Period2) ROA ROE KB Kookmin Bank 100.0% 582,774.7 39,614.8 3,364.5 0.78% 11.73% KB Securities 100.0% 75,785.8 7,015.6 496.7 0.96% 9.73% KB Insurance 100.0% 43,474.9 5
Slide 31: Group Condensed Income by Subsidiary
V. Appendix Group Condensed Income by Subsidiary1) 3Q25 (Cumulative) KB Kookmin KB Kookmin KB Life KB Asset (bn won, %) Group KB Securities KB Insurance KB Capital Bank Card Insurance Management Net Interest Income 9,704.9 7,887.4 489.2 -16.3 1,217.7 86.3 -7.6 341.5 Net Fee & Commission Income 2,952
Slide 32: Group Digital
V. Appendix Group Digital1) (thousands of users, %) 2025.9 2025.6 QoQ 2024.12 YTD 2024.9 YoY Group 33,912 32,331 4.9 31,030 9.3 29,892 13.4 Group Platform Finance 28,444 27,002 5.3 25,931 9.7 25,251 12.6 MAU2) Non-Finance 5,468 5,329 2.6 5,099 7.2 4,641 17.8 KB Star Banking (Bank) 13,789 13,628 1.2
Slide 33: KB Financial Group
>ko KB Financial Group