Kb Financial Group Inc. · KRX:105560
Kb Financial — FY2025 Earnings Presentation
33 slides from Kb Financial's earnings presentation, Feb 5, 2026
Slide 1: 2025 Business Results
2025 Business Results February 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 audited by the Group’s independent auditor, and accordingly, is subject to change. 2. The c
Slide 3: Contents
CONTENTS I. 2025 Financial Highlights 01 II. Financial Analysis 05 III. Financial Details 12 IV. Financial Highlights of Major Subsidiaries 17 V. Appendix 22
Slide 4: 2025 Financial Highlights
01 2025 Financial Highlights Key Takeaways Overview
Slide 5: Pushing Beyond KB’s Own Limits, Unlocking Potential
Ⅰ. 2025 Financial Highlights | Key Takeaways Pushing Beyond KB’s Own Limits, Unlocking Potential 2025 Net Profit 5.8tn won Industry’s highest level of Capital Driven by Robust Expansion in Adequacy Despite Challenging Non-Interest Income Macro & F/X Volatility Group Net Profit (bn won) Group CET-1 R
Slide 6: KB’s Strategy Amid Shifts in the Financial Landscape
Ⅰ. 2025 Financial Highlights | Key Takeaways KB’s Strategy Amid Shifts in the Financial Landscape Transforming Business, Igniting New Growth, Solidifying Value Business Model Market∙Customer “Expand Customer Base, Market Presence, “Transit Business Models in line with and Business Segments New Marke
Slide 7: 2025 Group Net Profit 5,843.0bn
Ⅰ. 2025 Financial Highlights | Overview 2025 Group Net Profit 5,843.0bn Increased 15.1% YoY mainly anchored by capital markets-driven non-interest income and stable interest income stream Group Net Profit (bn won) Group ROE (%) YoY +15.1% YoY +1.12%p YoY +15.1% 11.72 11.87 5,843 11.52 10.78 10.20 10
Slide 8: 2025 Group Net Profit 5,843.0bn
Ⅰ. 2025 Financial Highlights | Overview 2025 Group Net Profit 5,843.0bn Proved Group’s robust fundamentals with well-balanced profile between Bank’s stability & Non-Banks’ growth potential Group Net Profit Analysis (bn won) Net Profit by Subsidiaries1) & Non-Bank Contribution2) (bn won) YoY +765bn G
Slide 9: Financial Analysis
02 Financial Analysis Net Interest Income Net Non-Interest Income G&A Expenses Provision for Credit Losses Capital Adequacy [Reference Item] Per Share Metrics
Slide 10: 2025 Group Net Interest Income 13,073.1bn
Ⅱ. Financial Analysis | Net Interest Income 2025 Group Net Interest Income 13,073.1bn Continued modest earnings with proper level of growth & a prudent ALM mgmt. led cost funding reduction amid rate cut cycle Group Net Interest Income Loans in Won Growth (tn won, %) +1.9% 2.9 +3.8% 2.3 YoY 0.6 0.5 0
Slide 11: 2025 Group Net Non-Interest Income 4,872.1bn
Ⅱ. Financial Analysis | Net Non-Interest Income 2025 Group Net Non-Interest Income 4,872.1bn Proved KB’s readiness against changing market dynamics with YoY +16.0% led by agile portfolio mgmt. & brokerage sales Group Net Non-Interest Income Net Fee & Commission Income (bn won) +16.0% +6.5% YoY 3,626
Slide 12: 2025 Group G&A Expenses 7,051.0bn
Ⅱ. Financial Analysis | G&A Expenses 2025 Group G&A Expenses 7,051.0bn G&A Expenses well-managed with only a 1.6% YoY increase, leading the Group’s CIR to record a ‘History-Low 39.3%’ Group G&A Expenses Group Cost Efficiency(CIR) (%) YoY +1.6% 54.7 49.7 48.4 -1.4%p (bn won, %) 2025 2024 YoY 4Q25 3Q2
Slide 13: 2025 Group Provision for Credit Losses 2,363.0bn
Ⅱ. Financial Analysis | Provision for Credit Losses 2025 Group Provision for Credit Losses 2,363.0bn CCR slightly inched up YoY as the Group continued conservative provisioning & risk management policy against market volatility Group Provision for Credit Losses Provision for Credit Losses (bn won) Y
Slide 14: 2025.12 Group BIS Ratio 16.16%, CET-1 Ratio 13.79%
Ⅱ. Financial Analysis | Capital Adequacy 2025.12 Group BIS Ratio 16.16%, CET-1 Ratio 13.79% Continued to achieve industry-highest level of CET-1 Ratio backed by Group’s prudent RWA management strategy Group Capital Adequacy Group Capital Ratio (Based on Basel Ⅲ, %) CET-1 Ratio YTD +26bp 16.58 16.40
Slide 15: 2025.12 Group BIS Ratio 16.16%, CET-1 Ratio 13.79%
Ⅱ. Financial Analysis | Capital Adequacy 2025.12 Group BIS Ratio 16.16%, CET-1 Ratio 13.79% Continued to achieve industry-highest level of CET-1 Ratio backed by Group’s prudent RWA management strategy Group RWA(Risk-weighted Assets) (tn won, %) Group’s Strategic RoRWA Management Matrix 10.9 7.7 4.1
Slide 16: KB Financial Group Per Share Metrics
Ⅱ. Financial Analysis | [Reference Item] Per Share Metrics KB Financial Group Per Share Metrics EPS (won) +19.9% BPS & TBPS (won) ■ EPS ■ BPS ■ TBPS +5.8% 15,437 12,880 161,631 147,626 152,836 11,134 11,483 134,801 10,230 121,808 109,086 8,809 157,226 142,546 147,644 130,031 113,425 100,485 2020 202
Slide 17: Financial Details
03 Financial Details 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, %) 2025 2024 YoY 4Q25 3Q25 QoQ Net Interest Income 13,073.1 12,826.7 1.9 3,368.2 3,336.2 1.0 Net Fee & Commission Income 4,098.3 3,849.6 6.5 1,145.9 986.4 16.2 Other Operating Profit 773.8 351.9 119.9 -12.8 29.3 N.A. Gross Ope
Slide 19: Group Financial Position Overview
Ⅲ. Financial Details | Financial Position Overview Group Financial Position Overview (tn won, %) 2025.12 2025.9 QoQ 2024.12 YTD (tn won, %) 2025.12 2025.9 QoQ 2024.12 YTD Assets 797.9 796.1 0.2 757.8 5.3 Shareholder’s Equity 60.8 61.4 -1.0 59.8 1.7 Cash & Due from 34.8 25.3 37.5 29.9 16.4 Share Capi
Slide 20: Assets & Liabilities (1) Bank
Ⅲ. Financial Details | Assets & Liabilities (1) Bank Assets & Liabilities (1) Bank QoQ YTD (tn won, %) 2025.12 2025.9 Amt. (%) 2024.12 Amt. (%) Bank Loans in Won 377.5 375.4 2.1 0.5 363.6 13.9 3.8 Household 183.4 182.0 1.4 0.8 176.8 6.6 3.7 Mortgage 113.3 111.9 1.4 1.2 106.1 7.2 6.8 General 70.1 70.
Slide 21: Assets & Liabilities (2) Card
Ⅲ. Financial Details | Assets & Liabilities (2) Card Assets & Liabilities (2) Card QoQ YTD (tn won, %) 2025.12 2025.9 Amt. (%) 2024.12 Amt. (%) Card Assets 27.7 27.3 0.4 1.5 27.6 0.1 0.4 Credit Card 23.0 22.8 0.2 0.9 23.4 -0.4 -1.7 Credit Sales 15.9 15.7 0.2 1.3 15.3 0.6 3.9 [Installments] 6.5 6.2 0
Slide 22: Asset Quality
Ⅲ. Financial Details | Asset Quality Asset Quality Group Asset Quality (bn won, %) 2025.12 2025.9 QoQ 2025.6 2025.3 2024.12 YoY Total Loans for NPL Classification 484,213.7 478,625.7 1.2 473,021.3 469,840.3 469,864.0 3.1 Precautionary 4,163.5 4,182.2 -0.4 4,096.0 4,100.8 4,459.6 -6.6 Substandard 1,3
Slide 23: Financial Highlights of Major Subsidiaries
04 Financial Highlights of Major Subsidiaries 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 2025 2025 ROE 2025 CIR 2025 CCR 2025 NIM Highlights 3,862.0bn 10.04% 40.7% 19bp 1.74% Profitability Overview 1) Key Financial Indicators (bn won, %) 2025 2024 YoY 4Q25 3Q25 QoQ (bn won, %) 2025 2024
Slide 25: KB Securities
IV. Financial Highlights of Major Subsidiaries | KB Securities KB Securities Financial Profit for 2025 2025 ROE League Table (The Bell) League Table (Bloomberg) Institutional Stock M/S Highlights 673.9bn 9.87% IPO No.1 DCM No.1 No.1, 9.6% Profitability Overview 1) Key Financial Indicators (bn won, %
Slide 26: KB Insurance
IV. Financial Highlights of Major Subsidiaries | KB Insurance KB Insurance Financial Profit for 2025 2025 ROE 2025 ROA K-ICS CSM Highlights 778.2bn 14.04% 1.82% 190.2% 9,285.0bn Profitability Overview 1) Key Financial Indicators (bn won, %) 2025 2024 YoY 4Q25 3Q25 QoQ (bn won, %) 2025 2024 YoY 4Q25
Slide 27: KB Kookmin Card
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Card KB Kookmin Card Financial Profit for 2025 2025 ROE Card Assets Active Customers Card Transaction Vol. Highlights 330.2bn 6.08% 27.7tn 10,318K 182.7tn Profitability Overview 1) Key Financial Indicators (bn won, %) 2025 2024 YoY 4Q25 3Q2
Slide 28: KB Life Insurance
IV. Financial Highlights of Major Subsidiaries | KB Life Insurance KB Life Insurance Financial Profit for 2025 2025 ROE CSM New Contract APE K-ICS Highlights 244.0bn 5.65% 3,263.8bn 1,026.1bn 270.2% Profitability Overview 1) Key Financial Indicators (bn won, %) 2025 2024 YoY 4Q25 3Q25 QoQ (bn won, %
Slide 29: Appendix
05 Appendix Overview of Group Subsidiaries Condensed Income Statement by Subsidiaries Group Digital
Slide 30: Overview of Group Subsidiaries (2025)
V. Appendix Overview of Group Subsidiaries1) (2025) (bn won, %) Ownership Total Assets Shareholder’s Equity Profit for the Period2) ROA ROE KB Kookmin Bank 100.0% 584,935.0 38,965.5 3,862.0 0.67% 10.04% KB Securities 100.0% 76,461.4 6,889.0 673.9 0.96% 9.87% KB Insurance 100.0% 45,377.6 5,652.1 778.
Slide 31: Group Condensed Income by Subsidiary
V. Appendix Group Condensed Income by Subsidiary1) 2025 KB Kookmin KB Kookmin KB Life KB Asset (bn won, %) Group KB Securities KB Insurance KB Capital Bank Card Insurance Management Net Interest Income 13,073.1 10,657.8 631.5 -12.3 1,593.3 116.3 -8.4 450.9 Net Fee & Commission Income 4,098.3 1,203.5
Slide 32: Group Digital
V. Appendix Group Digital1) (thousands of users, %) 2025.12 2025.9 QoQ 2024.12 YTD Group 34,429 33,912 1.5 31,030 11.0 Group Platform Finance 28,379 28,444 -0.2 25,931 9.4 MAU2) Non-Finance 6,050 5,468 10.6 5,099 18.7 KB Star Banking (Bank) 14,162 13,789 2.7 13,031 8.7 Signature Platform KB Pay (Car
Slide 33: KB Financial Group
>ko KB Financial Group