Kb Financial Group Inc. · KRX:105560
Kb Financial — Q1 2026 Earnings Presentation
34 slides from Kb Financial's earnings presentation, Apr 23, 2026
Slide 1: 1Q26 Business Results
1Q26 Business Results April 2026
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. 1Q26 Financial Highlights 01 II. Financial Analysis 06 III. Financial Details 13 IV. Financial Highlights of Major Subsidiaries 18 V. Appendix 23
Slide 4: 1Q26 Financial Highlights
1Q26 Financial Highlights 01 Key Takeaways Overview
Slide 5: Leadership Proven Over Time – A Decade of Unrivaled Returns
Ⅰ. 1Q26 Financial Highlights | Key Takeaways Leadership Proven Over Time – A Decade of Unrivaled Returns Total Number of Issued Shares (in thousands) KBFG’s ’26.4 KB Financial Group’s BoD Resolution on Proven Leadership Cancellation of All Treasury 418,112 ‘Industry’s Largest’ Shares held 403,511 ’2
Slide 6: Driving Full-scale Expansion of Non-interest Income, Supported by Resilient NII Base
Ⅰ. 1Q26 Financial Highlights | Key Takeaways Driving Full-scale expansion of Non-interest Income, supported by Resilient NII Base Amid Strong Capital Market Inflows 1) Bank’s WM Fee Income (bn won) Security’s Total OperatingIncome SecurityAsset Managements’AUM Proven Readiness・Competitive (bn won)
Slide 7: [Reference] 1Q26 Shareholder Return Highlights
Ⅰ. 1Q26 Financial Highlights | Key Takeaways [Reference] 1Q26 Shareholder Return Highlights Key Highlights(incl. ongoing Share Buybacks for 1H26) DPS (1Q DPS for the past 5 years in won) Continued DPS growth on higher total cash dividends and share buybacks 1,143 912 ❶ DPS(1Q26): KRW 1,143, up KRW 2
Slide 8: 1Q26 Group Net Profit 1,892.4bn
Ⅰ. 1Q26 Financial Highlights | Overview 1Q26 Group Net Profit 1,892.4bn Increased 11.5% YoY driven by ‘Record-high Non-interest Income’ on the back of stable NII stream Group Net Profit (bn won) Group ROE (%) YoY +11.5% YoY +0.90%p 14.65 11.87 13.65 11.52 5,833 10.78 13.94 10.26 13.04 5,078 10.86 4,
Slide 9: 1Q26 Group Net Profit 1,892.4bn
Ⅰ. 1Q26 Financial Highlights | Overview 1Q26 Group Net Profit 1,892.4bn Achieved ‘All-time high Non-Bank Contribution’ through expansion in the capital markets, backed by resilient Bank earnings Group Net Profit Analysis (bn won) Net Profit by Subsidiaries1) & Non-Bank Contribution2) (bn won) YoY +1
Slide 10: 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 11: 1Q26 Group Net Interest Income 3,334.8bn
Ⅱ. Financial Analysis | Net Interest Income 1Q26 Group Net Interest Income 3,334.8bn Increased 2.2% YoY anchored by well-defended NIM with robust core deposit growth led funding cost reduction Group Net Interest Income Loans in Won Growth (tn won, %) +2.2% +3.3% 1.4 QoQ 0.9 0.9 0.4 0.5 367 379 1.3 (
Slide 12: 1Q26 Group Net Non-Interest Income 1,650.9bn
Ⅱ. Financial Analysis | Net Non-Interest Income 1Q26 Group Net Non-Interest Income 1,650.9bn Delivered ‘Record-high Earnings’, +27.8% YoY, driven by a surge in fee income amid strong capital market inflows Group Net Non-Interest Income Net Fee & Commission Income (bn won) YoY +27.8% 3,626 3,515 3,67
Slide 13: 1Q26 Group G&A Expenses 1,764.9bn
Ⅱ. Financial Analysis | G&A Expenses 1Q26 Group G&A Expenses 1,764.9bn CIR recorded 35.4% supported by strong core earnings and disciplined cost control Group G&A Expenses Group Cost Efficiency(CIR) (%) YoY +9.9% 49.7 48.4 (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ +0.1%p 41.1 40.7 46.3 39.4 Employee Benefi
Slide 14: 1Q26 Group Provision for Credit Losses 493.2bn
Ⅱ. Financial Analysis | Provision for Credit Losses 1Q26 Group Provision for Credit Losses 493.2bn Achieved significant QoQ and YoY improvement through proactive risk management, with CCR down to 0.40% Group Provision for Credit Losses Provision for Credit Losses (bn won) QoQ △28.3% 3,146 2,363 (bn
Slide 15: 2026.3 Group BIS Ratio 15.75%, CET1 Ratio 13.63%
Ⅱ. Financial Analysis | Capital Adequacy 2026.3 Group BIS Ratio 15.75%, CET1 Ratio 13.63% Maintained industry-highest level of CET-1 ratio through disciplined capital management despite strong headwinds Group Capital Adequacy Group Capital Ratio (Based on Basel Ⅲ, %) △19bp 13.84 13.83 13.82 CET1 Rat
Slide 16: 2026.3 Group BIS Ratio 15.75%, CET1 Ratio 13.63%
Ⅱ. Financial Analysis | Capital Adequacy 2026.3 Group BIS Ratio 15.75%, CET1 Ratio 13.63% Maintained industry-highest level of CET-1 ratio through disciplined capital management despite strong headwinds Group RWA(Risk-weighted Assets) (tn won, %) Group’s Strategic RoRWA Management Matrix 6.1 7.7 4.1
Slide 17: 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) 6.0% ■ EPS 15,410 ■ BPS ■ TBPS 161,604 165,905 156,544 12,880 +16.6% 152,836 147,626 11,483 134,801 11,134 10,230 121,808 5,165 4,429 157,199 161,462 142,546 147,644 151,368 130
Slide 18: Financial Details
Financial Details 03 P&L Overview Financial Position Overview Assets & Liabilities Asset Quality
Slide 19: Group Profit & Loss Overview
Ⅲ. Financial Details | P&L Overview Group Profit & Loss Overview (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ Net Interest Income 3,334.8 3,262.2 2.2 3,368.2 -1.0 Net Fee & Commission Income 1,359.3 934.0 45.5 1,145.9 18.6 Other Operating Profit 291.6 358.0 -18.5 -12.8 N.A. Gross Operating Profit 4,985.7 4,55
Slide 20: Group Financial Position Overview
Ⅲ. Financial Details | Financial Position Overview Group Financial Position Overview (tn won, %) 2026.3 2025.3 YoY 2025.12 QoQ (tn won, %) 2026.3 2025.3 YoY 2025.12 QoQ Assets 829.7 770.3 7.7 797.9 4.0 Shareholder’s Equity 61.1 60.1 1.7 60.8 0.5 Cash & Due from 32.5 30.7 6.1 34.8 -6.4 Share Capital
Slide 21: Assets & Liabilities (1) Bank
Ⅲ. Financial Details | Assets & Liabilities (1) Bank Assets & Liabilities (1) Bank YoY YTD (tn won, %) 2026.3 2025.3 Amt. (%) 2025.12 Amt. (%) Bank Loans in Won 379.0 367.0 12.0 3.3 377.5 1.5 0.4 Household 182.6 179.1 3.5 2.0 183.4 -0.8 -0.4 Mortgage 112.8 108.7 4.1 4.0 113.3 -0.5 -0.4 General 69.8
Slide 22: Assets & Liabilities (2) Card
Ⅲ. Financial Details | Assets & Liabilities (2) Card Assets & Liabilities (2) Card YoY YTD (tn won, %) 2026.3 2025.3 Amt. (%) 2025.12 Amt. (%) Card Assets 27.7 27.0 0.7 2.6 27.7 0.0 0.0 Credit Card 22.8 22.8 0.0 0.0 23.0 -0.2 -0.9 Credit Sales 15.5 15.0 0.5 3.3 15.8 -0.3 -1.9 [Installments] 5.9 5.7
Slide 23: Asset Quality
Ⅲ. Financial Details | Asset Quality Asset Quality Group Asset Quality (bn won, %) 2026.3 2025.12 QoQ 2025.9 2025.6 2025.3 YoY Total Loans for NPL Classification 490,495.5 484,213.7 1.3 478,625.7 473,021.3 469,840.3 4.4 Precautionary 3,878.6 4,163.5 -6.8 4,182.2 4,096.0 4,100.8 -5.4 Substandard 1,79
Slide 24: 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 25: KB Kookmin Bank
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Bank KB Kookmin Bank Financial Profit for the Period ROE CIR CCR NIM Highlights 1,101.0bn 11.46% 37.4% 11bp 1.77% Profitability Overview 1) Key Financial Indicators (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ Net I
Slide 26: KB Securities
IV. Financial Highlights of Major Subsidiaries | KB Securities KB Securities Financial Profit for the Period ROE Retail AUM League Table (Bloomberg) Institutional Stock M/S Highlights 347.8bn 19.21% 239.6tn DCM No.2 No.1, 12.6% Profitability Overview 1) Key Financial Indicators (bn won, %) 1Q26 1Q25
Slide 27: KB Insurance
IV. Financial Highlights of Major Subsidiaries | KB Insurance KB Insurance Financial Profit for the Period ROE ROA K-ICS CSM Highlights 200.7bn 14.14% 1.81% 188.0% 9,477.6bn Profitability Overview 1) Key Financial Indicators (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ K-ICS
Slide 28: KB Kookmin Card
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Card KB Kookmin Card Financial Profit for the Period ROE Card Assets Active Customers Card Transaction Vol. Highlights 107.5bn 7.82% 27.7tn 10,267K 46.0tn Profitability Overview 1) Key Financial Indicators (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ
Slide 29: KB Life Insurance
IV. Financial Highlights of Major Subsidiaries | KB Life Insurance KB Life Insurance Financial Profit for the Period ROE CSM New Contract APE K-ICS Highlights 79.8bn 7.70% 3,440.8bn 209.9bn 277.8% Profitability Overview 1) Key Financial Indicators (bn won, %) 1Q26 1Q25 YoY 4Q25 QoQ (bn won, %) 1Q26
Slide 30: Appendix
Appendix 05 Overview of Group Subsidiaries Condensed Income Statement by Subsidiaries Group Digital
Slide 31: Overview of Group Subsidiaries (1Q26)
V. Appendix Overview of Group Subsidiaries1) (1Q26) (bn won, %) Ownership Total Assets Shareholder’s Equity Profit for the Period2) ROA ROE KB Kookmin Bank 100.0% 605,312.2 39,057.4 1,101.0 0.75% 11.46% KB Securities 100.0% 88,643.8 7,866.9 347.8 1.71% 19.21% KB Insurance 100.0% 44,453.5 5,871.7 200
Slide 32: Group Condensed Income by Subsidiary
V. Appendix Group Condensed Income by Subsidiary1) 1Q26 KB Kookmin KB Kookmin KB Life KB Asset (bn won, %) Group KB Securities KB Insurance KB Capital Bank Card Insurance Management Net Interest Income 3,334.8 2,767.6 154.1 -20.6 389.2 16.5 -1.2 105.1 Net Fee & Commission Income 1,359.3 373.0 488.8
Slide 33: Group Digital
V. Appendix Group Digital1) (thousand users, %) 2026.3 2025.12 QoQ 2025.3 YoY Group 33,838 34,429 -1.7 31,754 6.6 Group Platform Finance 28,594 28,379 0.8 26,461 8.1 MAU2) Non-Finance 5,244 6,050 -13.3 5,293 -0.9 KB Star Banking (Bank) 14,070 14,162 -0.6 13,339 5.5 Signature Platform KB Pay (Card) 9
Slide 34: KB Financial Group
>ko KB Financial Group