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JB Financial Group
JB Financial Group (175330) investor relations material
JB Financial Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved record-high net income of KRW710bn in 2025, up 4.9% year-over-year, surpassing guidance by 0.8%.
EPS rose 16.6% year-over-year, with a four-year CAGR of 9.4%.
ROE and ROA maintained at sector-leading levels of 12.4% and 1.04%, respectively.
Targeting net income of KRW750bn in 2026, a 5.6% increase year-over-year.
Financial highlights
Total operating income increased 5.6% year-over-year to KRW2,339.5bn.
Interest income grew 3.5% year-over-year; non-interest income surged 23.3% year-over-year, driven by a 74.8% increase in securities-related earnings.
Group's cost-income ratio rose to 38.8%, up 1.3 percentage points year-over-year, mainly due to changes in wage scope.
Credit cost ratio improved to 0.87%, down 6bp year-over-year.
Group CET1 ratio reached 12.58%, up 37bp year-over-year.
Outlook and guidance
2026 net income guidance set at KRW750bn, up 5.6% year-over-year.
Group's won-denominated loan growth guidance for 2026 is 7.8% year-over-year.
2026 cost-income ratio expected at 38.3%; credit cost ratio at 0.86%.
Rationale for shareholder return mix adjustment
Drivers of 4Q25 bank delinquency ratio increase
Strategy for RWA growth vs loan growth gap
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Latest events from JB Financial Group
- 2Q24 net income up 21% YoY, ROE at 14.7%, and cost-to-income ratio at a historic low.175330
Q2 20244 Mar 2026 - 3Q24 net income up 15.4% year-over-year, with strong profitability and improved asset quality.175330Q3 20244 Mar 2026
- Record net income, sector-leading ROE, and robust capital ratios highlight 2024 performance.175330Q4 20244 Mar 2026
- 1Q25 net income fell 6.0% YoY to KRW163bn, but core profitability and capital ratios remained robust.175330Q1 20254 Mar 2026
- 2Q25 net income up 5.5% YoY, ROE at 13.1%, CET1 ratio at 12.41%, and dividend/share buyback approved.175330Q2 20254 Mar 2026
- 3Q25 net income up 7.9% year-over-year, with robust ROE and stable asset quality.175330Q3 20254 Mar 2026
Next JB Financial Group earnings date
Q1 202628 Apr, 2026
JB Financial Group
Next JB Financial Group earnings date
Q1 202628 Apr, 2026
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