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JB Financial Group (175330) investor relations material
JB Financial Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for 2Q26 reached KRW220bn, up 5.7% year-over-year, marking record highs for both 2Q and 1H periods.
EPS increased 8.9% year-over-year, supported by earnings growth and ongoing share buybacks.
ROE remained strong at 13.0%, with ROA at 1.07%, sustaining multi-year double-digit returns.
Top-line growth was driven by both interest and non-interest income, with non-interest income up 9.3% year-over-year.
Financial highlights
Total operating income for 2Q26 was KRW639.2bn, up 10.4% year-over-year.
Interest income rose 10.6% year-over-year to KRW554.7bn, while non-interest income surged 103.2% quarter-over-quarter.
Cost-income ratio stood at 36.9%, up 1.1 percentage points year-over-year.
Credit cost ratio was 0.79%, down 9bps quarter-over-quarter.
NPL ratio increased slightly to 1.43%, with NPL coverage at 91.7%.
Outlook and guidance
1H26 net income exceeded annual guidance by 4.0%, positioning the group to surpass its full-year target.
The board approved a 2Q26 dividend of KRW314 per share and a share buyback of KRW100bn.
- 2Q24 net income up 21% YoY, record H1 results, and sector-leading ROE of 14.7%.175330
Q2 202424 Jun 2026 - 3Q24 net income up 15.4% year-over-year, with strong profitability and digital expansion.175330
Q3 202424 Jun 2026 - Q1 2025 net income fell 6.0% YoY to KRW163bn, with robust capital and stable profitability.175330
Q1 202524 Jun 2026 - 2Q25 net income up 5.5% YoY, 1H25 net profit KRW370.4bn, ROE 13.1%, strong capital and dividends.175330
Q2 202524 Jun 2026 - 3Q25 net income up 2.8% YoY to W579bn, ROE 13.5%, CET1 12.73%, strong risk controls.175330
Q3 202524 Jun 2026 - 1Q26 net income up 2.1% year-over-year, CET1 12.61%, dividend payout 34.7%.175330
Q1 202622 Jun 2026 - Targets 13%+ ROE and 45% shareholder return by 2026, with expanded buybacks and governance focus.175330
Investor presentation11 Jun 2026 - Risk-adjusted growth, niche market leadership, and fintech innovation drive top-tier profitability.175330
Investor Day 202511 Jun 2026 - Aims for 15% ROE and 50% shareholder return ratio, with strong governance and value-up initiatives.175330
Investor presentation11 Jun 2026
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