KB Financial Group Inc (KB) Q1 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

that we look at, so we are looking at that for future guidance. I think for RWA and Q1, you said the FX impact was 4 trillion Korean won, 1.1%. So if we do a simple calculation, the FX impact was about 15 bps negative to the profitability. So this kind of sensitivity, Would that be the right number to take into account for the impact? And for Q1, the 1003, capital recognition, related requirements, and the RWA down impact as of that? I think you did also cover that. But for Q1, the specific numbers were not released. So the RWA, Q2, the external factors, of course, not the FX impact, but what would be the external factors for us investors to look out for? And it would be great to have that in reference for us to look out for the second half. And next question is quite similar to the one that asked before, the MPL coverage ratio in Q1, it has come down significantly about Q20%, and it is above 120% recently. Of course, it's not necessary to be as high as COVID, but compared to the recent levels, it's not at a high level as of now. So are we going to require additional provisioning for this, or... Is there any expectation or factor that you think that will contribute to the downward pressure on the MPL ratio? Thank you very much. Yes. So please wait a bit while we prepare to answer your question. yes so i think two questions in total regarding rwa and the mpl coverage ratio downward trend so first on the rwa so as you mentioned the fx impact in terms of the cet1 ratio was about 19 bits in the first half so in q2 q3 and q4 there has been a lot of downsizing to the potential for growth throughout the year. However, despite that, the downward impact is majority is driven by the FX impact. So the RWA related sensitivity, we're trying a lot to try to reduce that. So for exa...