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JB Financial Group
JB Financial Group (175330) investor relations material
JB Financial Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary23 Apr, 2026
Executive summary
Net income for 1Q26 reached KRW166bn, up 2.1% year-over-year, driven by higher interest income despite increased ERP expenses and lower securities gains at banks.
Recurring core profit rose 8.4% year-over-year to KRW548bn, with a 4-year CAGR of 6.9%.
ROE was 11.2% and ROA 0.94%, maintaining double-digit profitability.
Shareholder returns enhanced with a quarterly dividend of KRW311 per share, up 94.4% year-over-year.
Financial highlights
Total operating income for 1Q26 was KRW574.8bn, up 2.3% year-over-year.
Interest income increased 8.5% year-over-year to KRW533.2bn, while non-interest income dropped 40.8% year-over-year to KRW41.6bn due to lower securities-related gains.
SG&A expenses rose 11.0% year-over-year to KRW229bn, mainly due to ERP expenses.
Credit cost ratio was 0.88%, down 1bp quarter-over-quarter.
Outlook and guidance
1Q26 net income exceeded the annual plan by 10%, supporting the annual guidance of KRW750bn.
The group aims for at least 10% growth in total annual dividends compared to the previous year.
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Latest events from JB Financial Group
- Responsible growth through core business focus, fintech, and higher shareholder returns.175330
CMD 2025 presentation23 Apr 2026 - 2Q24 net income up 21% YoY, ROE at 14.7%, and cost-to-income ratio at a historic low.175330Q2 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
- 2025 net income hit a record KRW710bn, with robust capital and shareholder returns despite asset quality headwinds.175330Q4 20254 Mar 2026
Next JB Financial Group earnings date
Q2 202614 Aug, 2026
JB Financial Group
Next JB Financial Group earnings date
Q2 202614 Aug, 2026
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