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KB Financial Group
KB Financial Group (A105560) investor relations material
KB 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 net profit of KRW 5.843 trillion in 2025, up 15.1% YoY, driven by robust non-interest income and stable interest income streams.
Maintained industry-leading capital adequacy with a CET1 ratio of 13.79% and BIS ratio of 16.16% at year-end 2025.
Total shareholder return reached a record 52.4%, with KRW 1.58 trillion in dividends and KRW 1.48 trillion in share buybacks.
Non-bank subsidiaries contributed about 37% of group net profit and 70% of group fee income, reflecting a well-balanced business profile.
The group is shifting toward a capital market-focused business structure and expanding non-banking earnings.
Financial highlights
Net interest income: KRW 13,073.1 billion, up 1.9% YoY, supported by prudent ALM management.
Non-interest income: KRW 4,872.1 billion, up 16% YoY, led by capital market gains and brokerage sales.
SG&A expenses: KRW 7,051 billion, up 1.6% YoY; CIR at 39.3%, an all-time low.
Credit loss provisions: KRW 2,360 billion, up 15.6% YoY; credit cost at 48 bps.
EPS grew 19.9% to KRW 4,367, and DPS rose 37.6% to KRW 1,770.
Outlook and guidance
2026 will focus on corporate loan-centered growth, productive finance, and portfolio diversification.
NIM expected to see a gradual decline, with low- to mid-single-digit levels anticipated.
Bank loan growth projected at ~5%, with household loans at 2-3% and corporate loans at 6-7%.
2026 capital return plan includes KRW 1.2 trillion share buyback and estimated KRW 1.62 trillion in dividends.
CET1 ratio expected to remain high, with possible slight decline but upward trend by Q3.
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2025 net income was $1.6B, with record investment income and robust capital returns. - 5 FebROK
Double-digit sales and EPS growth drive raised 2026 guidance and strong segment performance.
Next KB Financial Group earnings date
Q1 202623 Apr, 2026
KB Financial Group
Next KB Financial Group earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
KB Financial Group Inc., headquartered in Seoul, South Korea, is a leading financial institution that provides a comprehensive range of banking and financial services both domestically and internationally. . Established in 1963, the company caters to consumers, corporations, and other clients through a diversified portfolio of services. These include retail banking, corporate banking, credit card services, securities trading, life and non-life insurance products, and more. The company is headquartered in Seoul, South Korea, and its shares are listed on the NYSE.
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