Db Insurance Co. Ltd · KRX:005830
Db Insurance — FY2025 Earnings Presentation
20 slides from Db Insurance's earnings presentation, Feb 20, 2026
Slide 1: 2025 Financial Results & 2026 Business Strategy
2025 Financial Results & 2026 Business Strategy February 20, 2026 Home Page : http://www.idbins.com
Slide 2: 1. 2025 Key Performance
1. 2025 Key Performance 1 2025 Key Financials 2 2025 Key Results - Long-Term - Auto/Commercial - Asset Management - Shareholder’s Equity 3 Shareholder return ※ Appendix: Premium by channels, Loan Status etc.
Slide 3: Performance overview
1 Performance overview Performance overview (단위:십억,%) (KRWbn,%) 4Q Cumulative Division '24 '25 '24 '25 G/R G/R Revenue* 5,146 4,875 -5.3 18,831 20,066 6.6 U/W Profit 160 263 64.2 1,619 1,036 -36.0 Investment Profit 124 188 51.5 744 1,078 44.9 Operating Profit 284 451 58.7 2,363 2,114 -10.5 Net Incom
Slide 4: Key indicators – Long-Term
2 Key indicators – Long-Term Long-Term (KRWbn,%) 4Q Cumulative Division '24 '25 '24 '25 G/R G/R Long-Term 143 275 92.5 1,346 1,076 -20.1 CSM Amortization 282 306 8.6 1,287 1,287 0.0 RA Change 37 41 11.8 132 155 17.3 Claim Variance -78 -34 -56.6 69 -241 N/A Expense Variance -24 -6 -73.3 -14 -7 -52.1
Slide 5: Key indicators – Long-Term
2 Key indicators – Long-Term New Monthly Premium New contract CSM multiple by products (KRW bn) (KRW bn, times) 4Q Cumulative Product New premium CSM multiple Division ’24 ‘24 ‘25 ‘24 ‘25 Protection-type 14.3 16.9 Accident 41.0 10.7 9.4 41.0 43.2 Saving-type 0.7 5.1 Driver’s 28.0 7.0 12.7 28.0 31.9
Slide 6: Key indicators – Auto/Commercial
2 Key indicators – Auto/Commercial Auto Direct Premium Written & Profit Loss Ratio Major 3 factors * Direct P is based on IFRS4 (KRW bn %) (%,%p) Premium Earned per Vehicle (%) -1.4 +1.6 Loss Frequency Loss Amount per Accident -0.7 +8.1 4,458 92.1 (G/R) -2.7 -0.5 4,395 1,095 90.5 86.0 -0.2 -0.2 1,08
Slide 7: Key indicators – Asset Management
2 Key indicators – Asset Management Invested Asset Portfolio Bond Portfolio(Domestic) (As of Dec.’25) Others (KRW bn,%) Dec.’24 ’25.Dec 8.7% Pct. Pct. Gov Bonds Invested Assets 49,627 100.0 56,076 100.0 Corp Bonds 14.0 trill 39.9% Cash & 32.9% 25.0% 750 1.5 1,112 2.0 Deposits Equity Stocks 375 0.7 3
Slide 8: Key indicators – Asset Management
2 Key indicators – Asset Management Investment & Running Yield Portfolio Composition Investment Yield Running Yield (%) Real Estates(2.6) 3.96 0.00 3.96 Investments in 2.6 +0.26 1.9 Subsidiaries(1.9) 3.70 AC 26.2 26.4 +0.38 3.90 +0.15 4.05 3.52 FVOCI 35.9 '23 '24 '25.Dep 44.8 * IFRS17 & 9 basis ※ Re
Slide 9: Key indicators – Shareholder’s Equity
2 Key indicators – Shareholder’s Equity K-ICS K-ICS Status & details (Consolidated) (%, trill) Dec.’25*(Estimated) 226.5 213.3 217.9 Division Sep.’25 Compared 203.1 204.7 to Quarter K-ICS 226.5% 217.9% △8.6%p (Consolidated) 19.1 20.0 20.9 22.1 21.6 Available 9.4 9.8 9.8 9.8 9.9 Capital 22.1 trillion
Slide 10: Shareholder return – Dividend
3 Shareholder return – Dividend Dividend Shareholders Breakdown (As of Dec,’25) Net Profit DPR DPS Total dividend 1,772 1,537 1,535 461 408 318 6,800 7,600 5,300 Domestics & Others 3 Major 30.0 Shareholders 20.7 23.0 19.6 18.5 '23 '24 '25 (KRW bn, %) ‘21 ‘22 ’23 ’24 ’25 Dividend Payout (%) Treasury
Slide 11: Shareholder return – Mid-long term Capital Policy
3 Shareholder return – Mid-long term Capital Policy K-ICS ratio management strategy • Setting K-ICS ratio target range (proper capital range) : 200% ~ 220% K-ICS ratio Excess Capital 220% Proper Capital Range 200% Under Achievement Shareholder return rate • The shareholder return rate is planned to
Slide 12: Appendix – Premium by channels
Appendix – Premium by channels (L-T) New Monthly Premium by Channels 4Q 1~4Q 4Q 1~4Q (KRWbn,%) ‘24 (KRWbn,%) ‘24 ‘24 ‘25 ‘24 ‘25 ‘24 ‘25 ‘24 ‘25 Sum 170 47 42 170 171 전체 소계 179 49 45 179 179 Pct. 100.0 100.0 100.0 100.0 100.0 Total 100.0 100.0 100.0 100.0 100.0 Tied 75 20 19 75 77 Pct. 80 21 20 80 8
Slide 13: Appendix – Loan Status
별첨Appendix - 대출현황 – Loan Status Loan Portfolio Loan Quality (KRW bn,%) Dec.’24 Dec.’25 (KRW bn,%) Dec.’23 Dec.’24 Dec.’25 Pct. Pct. Pct. Pct. Pct. Sum 985 8.9 729 5.2 Normal 10,407 91.8 12,783 96.5 14,400 96.1 Real Precautionary 246 2.2 345 2.6 328 2.2 476 3.8 430 2.9 Estates Substandard Retail 671
Slide 14: 2. 2026 Business Outlook
2. 2026 Business Outlook 1 Business Environment and Strategic Direction 2 2026 Business Strategy
Slide 15: Business Environment and Strategic Direction
1 Business Environment and Strategic Direction Business Environment Strategic Direction “Continued business uncertainty due to slowing Leap into a global insurer growth and declining profitability” based on superior management efficiency Economic - Decline in domestic potential growth rate due to lo
Slide 16: 2026 Business Strategy – Long-term & Auto
2 2026 Business Strategy Long-term & Auto Business Plan Key Indicators ■ Operate strategic products and U/W to strengthen profit structure ⚫ New Protection Prem.(unit: KRW bn) Long-Term - Promote profitability enhancement through rate adjustment 14.2 and product structure improvements - Strengthen p
Slide 17: 2026 Business Strategy – Commercial & Investment
2 2026 Business Strategy Commercial & Investment Business Plan Key Indicators ■ Securing a Sustainable Growth Foundation ⚫ Domestic Commercial L/R (unit: %) Commercial Focused on Structural Profitability - Improve profitability by strengthening rate systems and underwriting standards 75.2 - Strength
Slide 18: 2026 Business Strategy – Innovation & Global
2 2026 Business Strategy Innovation & Global Business Plan Key Indicators ■ Redesigning Expense Structure from a Sustainable Business Management Perspective ⚫ Expense Ratio (unit: %) Innovation - Optimize commission expense operations by channel to enhance profitability - Strengthen cost-efficiency
Slide 19: Disclaimer
Disclaimer • The enclosed information is the property of DB Insurance Co., Ltd. (hereby “DB”). • Its contents are confidential, proprietary and legally privileged information. • The recipient(s) of the enclosed information may not, directly or indirectly, disclose, distribute, incorporate, or copy a
Slide 20: Disclaimer
Disclaimer • The enclosed information is the property of DB Insurance Co., Ltd. (hereby “DB”). • Its contents are confidential, proprietary and legally privileged information. • The recipient(s) of the enclosed information may not, directly or indirectly, disclose, distribute, incorporate, or copy a