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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
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%.
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Next JB Financial Group earnings date
Q1 202624 Apr, 2026
JB Financial Group
Next JB Financial Group earnings date
Q1 202624 Apr, 2026
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