Kb Financial Group Inc. · KRX:105560
Kb Financial — Q2 2026 Earnings Presentation
33 slides from Kb Financial's earnings presentation, Jul 23, 2026
Slide 1: 1H26 Business Results
1H26 Business Results July 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. 1H26 Financial Highlights 01 II. Financial Analysis 05 III. Financial Details 12 IV. Financial Highlights of Major Subsidiaries 17 V. Appendix 22
Slide 4: 1H26 Financial Highlights
1H26 Financial Highlights 01 Key Takeaways Overview
Slide 5: Unstoppable Momentum: Stronger Core, Unprecedented Returns
Ⅰ. 1H26 Financial Highlights | Key Takeaways Unstoppable Momentum : Stronger Core, Unprecedented Returns ● Share Buyback & Cancellation ● Dividends (bn won) FY2026 Total Shareholder Return ₩3.7tn(E) (2H26 Share Buyback & Cancellation ₩700bn) Once Again, Record High > <1H26 Shareholder Return> <2H26
Slide 6: Dynamic Capital Re-Allocation
Ⅰ. 1H26 Financial Highlights | Key Takeaways “Dynamic Capital Re-Allocation” Shifting the Group’s Portfolio to Higher-Return Segments ① Capital Steering ② Capital Injection ③ Capital Realization “Dynamic “Strategic Capital Injection “KB Securities Accelerating Capital Re-Allocation” in KB Securities
Slide 7: 1H26 Group Net Profit 3,884.6bn
Ⅰ. 1H26 Financial Highlights | Overview 1H26 Group Net Profit 3,884.6bn Increased 13.1% YoY driven by robust expansion in non-interest income mainly backed by solid capital market related fees Group Net Profit (bn won) Group ROE (%) YoY +13.1% YoY +1.06%p 14.61 YoY 11.87 +13.1% 11.52 13.04 5,833 10.
Slide 8: 1H26 Group Net Profit 3,884.6bn
Ⅰ. 1H26 Financial Highlights | Overview 1H26 Group Net Profit 3,884.6bn Proved the Group’s portfolio resilience with strong earnings expansion in both Bank & Non-Bank despite elevated market volatility Group Net Profit Analysis (bn won) Net Profit by Subsidiaries& Non-Bank Contribution (bn won) YoY
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: 1H26 Group Net Interest Income 6,478.3bn
Ⅱ. Financial Analysis | Net Interest Income 1H26 Group Net Interest Income 6,478.3bn Group NII achieved 1.7% growth YoY, mainly attributable to disciplined funding cost management and stable loan growth Group Net Interest Income Loans in Won Growth (tn won, %) 1.7% +2.0% YoY + 1.6 0.9 1.4 0.9 0.5 0.
Slide 11: 1H26 Group Net Non-Interest Income 3,629.2bn
Ⅱ. Financial Analysis | Net Non-Interest Income 1H26 Group Net Non-Interest Income 3,629.2bn Significant 33.3% YoY increase, underpinned by strong capital market related fees coupled with improvement in Credit Card fees Group Net Non-Interest Income Net Fee & Commission Income (bn won) 33.3% +50.6%
Slide 12: 1H26 Group G&A Expenses 3,654.4bn
Ⅱ. Financial Analysis | G&A Expenses 1H26 Group G&A Expenses 3,654.4bn CIR recorded 36.2% securing its downward trend owing to robust expansion in core earnings & efficiency-enhancement efforts Group G&A Expenses Group Cost Efficiency(CIR) (%) YoY + 8.9% 49.7 48.4 △0.7%p (bn won, %) 1H26 1H25 YoY 2Q
Slide 13: 2Q26 Group Provision for Credit Losses 519.8bn
Ⅱ. Financial Analysis | Provision for Credit Losses 2Q26 Group Provision for Credit Losses 519.8bn Group’s proactive and conservative risk management efforts ensured stable & continuous improvement in both CCR and Provisions Group Provision for Credit Losses Provision for Credit Losses (bn won) YoY
Slide 14: 2026.6 Group BIS Ratio 15.91%, CET-1 Ratio 13.74%
Ⅱ. Financial Analysis | Capital Adequacy 2026.6 Group BIS Ratio 15.91%, CET-1 Ratio 13.74% Continued to secure industry’s highest level of capital strength and adequacy driven by solid earnings & proactive management efforts Group Capital Adequacy Group Capital Ratio (Based on Basel Ⅲ, %) CET-1 Rati
Slide 15: Group RWA and RWA Management Strategy
Ⅱ. Financial Analysis | Capital Adequacy 2026.6 Group BIS Ratio 15.91%, CET-1 Ratio 13.74% Continued to secure industry’s highest level of capital strength and adequacy driven by solid earnings & proactive management efforts Group RWA(Risk-weighted Assets) (tn won, %) Group’s RWA Management Strategy
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) +6.9% ■ EPS 15,410 ■ BPS ■ TBPS +18.1% 171,058 12,880 161,604 160,090 10,669 152,836 147,626 11,134 11,483 9,032 134,801 10,230 121,808 157,199 166,576 147,644 155,163 142,546 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 (bn won, %) 1H26 1H25 YoY 2Q26 1Q26 QoQ Net Interest Income 6,478.3 6,368.7 1.7 3,143.5 3,334.8 -5.7 Net Fee & Commission Income 2,961.2 1,966.0 50.6 1,601.9 1,359.3 17.8 Other Operating Profit 668.0 757.3 -11.8 376.4 291.6 29.1 Gross
Slide 19: Group Financial Position Overview
Ⅲ. Financial Details | Financial Position Overview Group Financial Position Overview (tn won, %) 2026.6 2026.3 QoQ 2025.12 YTD (tn won, %) 2026.6 2026.3 QoQ 2025.12 YTD Assets 866.9 829.7 4.5 797.9 8.6 Shareholder’s Equity 62.7 61.1 2.6 60.8 3.1 Cash & Due from 44.6 32.5 37.2 34.8 28.2 Share Capital
Slide 20: Assets & Liabilities (1) Bank
Ⅲ. Financial Details | Assets & Liabilities (1) Bank Assets & Liabilities (1) Bank QoQ YTD (tn won, %) 2026.6 2026.3 Amt. (%) 2025.12 Amt. (%) Bank Loans in Won 385.1 379.0 6.1 1.6 377.5 7.6 2.0 Household 184.4 182.6 1.8 0.9 183.4 1.0 0.5 Mortgage 114.1 112.8 1.3 1.1 113.3 0.9 0.7 General 70.3 69.8
Slide 21: Assets & Liabilities (2) Card
Ⅲ. Financial Details | Assets & Liabilities (2) Card Assets & Liabilities (2) Card QoQ YTD (tn won, %) 2026.6 2026.3 Amt. (%) 2025.12 Amt. (%) Card Assets 28.0 27.7 0.3 1.1 27.7 0.3 1.1 Credit Card 23.1 22.9 0.2 0.9 23.2 -0.1 -0.4 Credit Sales 15.6 15.5 0.1 0.6 15.9 -0.3 -1.9 [Installments] 6.4 6.2
Slide 22: Asset Quality
Ⅲ. Financial Details | Assets Quality Asset Quality Group Asset Quality (bn won, %) 2026.6 2026.3 QoQ 2025.12 2025.9 2025.6 YoY Total Loans for NPL Classification 499,486.1 490,495.5 1.8 484,213.7 478,625.7 473,021.3 5.6 Precautionary 4,142.8 3,878.6 6.8 4,163.5 4,182.2 4,096.0 1.1 Substandard 1,649
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 1H26 1H26 ROE 1H26 CIR 1H26 CCR 2Q26 NIM Highlights 2,225.4bn 11.54% 39.4% 14bp 1.74% Profitability Overview 1) Key Financial Indicators (bn won, %) 1H26 1H25 YoY 2Q26 1Q26 QoQ (bn won, %) 1H26 1H25
Slide 25: KB Securities
IV. Financial Highlights of Major Subsidiaries | KB Securities KB Securities Financial Profit for 1H26 1H26 ROE Retail AUM League Table (Bloomberg) Institutional Stock M/S Highlights 796.3bn 21.04% 289.5tn DCM No.1 No.1, 12.9% Profitability Overview 1) Key Financial Indicators (bn won, %) 1H26 1H25
Slide 26: KB Insurance
IV. Financial Highlights of Major Subsidiaries | KB Insurance KB Insurance Financial Profit for 1H26 1H26 ROE 1H26 ROA K-ICS CSM Highlights 478.8bn 16.30% 2.16% 183.9% 10,721.6bn Profitability Overview Key Financial Indicators (bn won, %) 1H26 1H25 YoY 2Q26 1Q26 QoQ (bn won, %) 1H26 1H25 YoY 2Q26 1Q
Slide 27: KB Kookmin Card
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Card KB Kookmin Card Financial Profit for 1H26 1H26 ROE Card Assets Active Customers Card Transaction Vol. Highlights 218.9bn 7.86% 28.0tn 10,384K 93.5tn Profitability Overview 1) Key Financial Indicators (bn won, %) 1H26 1H25 YoY 2Q26 1Q26
Slide 28: KB Life Insurance
IV. Financial Highlights of Major Subsidiaries | KB Life Insurance KB Life Insurance Financial Profit for 1H26 1H26 ROE CSM New Contract APE K-ICS Highlights 150.6bn 7.28% 3,714.1bn 371.4bn 244.9% Profitability Overview 1) Key Financial Indicators (bn won, %) 1H26 1H25 YoY 2Q26 1Q26 QoQ (bn won, %)
Slide 29: Appendix
Appendix 05 Overview of Group Subsidiaries Condensed Income Statement by Subsidiaries Group Digital
Slide 30: Overview of Group Subsidiaries (1H26)
V. Appendix Overview of Group Subsidiaries1) (1H26) (bn won, %) Ownership Total Assets Shareholder’s Equity Profit for the Period2) ROA ROE KB Kookmin Bank 100.0% 626,871.1 38,773.5 2,225.4 0.74 11.54 KB Securities 100.0% 102,789.3 8,209.9 796.3 1.80 21.04 KB Insurance 100.0% 44,637.4 6,256.5 478.8
Slide 31: Group Condensed Income by Subsidiary
V. Appendix Group Condensed Income by Subsidiary1) 1H26 KB Kookmin KB Kookmin KB Life KB Asset (bn won, %) Group KB Securities KB Insurance KB Capital Bank Card Insurance Management Net Interest Income 6,478.3 5,511.9 311.8 -36.7 763.2 31.5 -8.5 209.1 Net Fee & Commission Income 2,961.2 780.8 1,150.
Slide 32: Group Digital
V. Appendix Group Digital1) (thousands of users, %) 2026.6 2026.3 QoQ 2025.12 YTD 2025.6 YoY Group 33,749 33,838 -0.3 34,429 -2.0 32,331 4.4 Group Platform Finance 28,740 28,594 0.5 28,379 1.3 27,002 6.4 MAU2) Non-Finance 5,009 5,244 -4.5 6,050 -17.2 5,329 -6.0 KB Star Banking (Bank) 14,060 14,070 -
Slide 33: KB Financial Group
>ko KB Financial Group