KB Financial Group Inc (KB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

I am Jerry Kang, head of KBFC IR team. We will now begin the 2025 Full-Year Business Results presentation. Thank you very much for participating in today's earnings release. We have here with us executives from the group, including CFO Sangnong Na. And first, our group CFO will cover 2025 Full-Year Business Results. after that we will have a q a session i will now invite our group cfo to walk us through 2025 full year business results greetings everyone i am kbfg cfo thank you very much for joining our 2025 full year business results presentation before proceeding with the business results i'll briefly share some of our key performance highlights 2025 was a year of unprecedented volatility in the financial market. As volatility in the exchange rate and market interest rates widened, the influence of external factors intensified, economic recovery was somewhat delayed, and a challenging operating environment continued with asset quality pressures. On the other hand, as government policies materialized in discount factors where the domestic market became resolved partially, The capital market is gaining unprecedented momentum toward the Cospi 5000 era. In a situation where diverse variables and new trends are intertwined, KBFC with our stable portfolio and consistent risk management policies is absorbing external uncertainties and we are working hard to expand non-banking earnings contribution and to shift to a business structure focused on the capital market. Added to these strategic efforts as a result of the fading away of sizable one-off effects including 2024 ELS customer compensation cost, 2025 net profit posted 5.8 trillion won, a 15.1% increase YOY and proved our robust profit generating capacity. On the other hand, today the BOD resolved to approve an year-end...