KB Financial Group Inc (KB) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello, I am Bong Joong Kwon, the director of KB Financial Group IR. We will now begin the 3rd quarter of 2025. I would like to express my deep gratitude to all of you who have participated today. At the financial performance presentation, the director, Sang Rok Na, who is the CFO of the group, and the members of the group are attending. Today's announcement is scheduled to be announced by CFO on the 3rd quarter of 2025, and we will have time to answer questions after the announcement. Then, please announce the 3rd quarter performance of CFO. Hello, I'm CFO Na Sung-rok of KB Group. Thank you very much to everyone who participated in the 3rd quarter performance announcement in 2025. I will briefly talk about the direction of profitability management of the group that recently responded to the changing business environment. This year, while the low-growth flow of the Korean economy continues, there is a new flow of various changes and new flows such as financial and exchange rate variability, government housing market stabilization measures, and capital market activation measures. Even in this environment, the KB Muscle Group is continuing to gain stable profits by absorbing the uncertainty of the competition based on a solid fund meta. By securing NIM defense with a stable growth rate of key funds, it is reducing the impact of foreign variables, In the new flow of the non-banking portfolio, we are also building a balanced interest structure. RWA also maintains the growth rate at the appropriate level by absorbing the influence of various variables, and it is judged that the overall interest base of the group is managed stably. On the other hand, the domestic economy is facing a turning point where the government's KOSPI 5000 goal and the economic center axis are moving...