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KB Financial Group (A105560) investor relations material
KB Financial Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net profit for the first half reached KRW 3.44 trillion, up 23.8% year-over-year, driven by strong noninterest income and diversified revenue streams.
ROE for the first half was 13.03%, a 2.23 percentage point increase year-over-year.
CET1 ratio as of June 2025 stood at 13.74%, reflecting robust capital adequacy.
Shareholder return for 2025 is set at a record high of KRW 3.1 trillion, including proactive share buybacks and cash dividends.
Total shareholder return (TSR) for 2025 includes a mix of dividends and share buybacks, with CET1 ratio management a priority.
Financial highlights
First half group net interest income was KRW 6.37 trillion, stable year-over-year despite margin pressure from rate cuts.
Noninterest income rose 10.9% year-over-year to KRW 2.72 trillion, supported by improved securities and derivatives performance.
Group net fee income increased 2.9% year-over-year and 10.5% quarter-over-quarter, surpassing KRW 1 trillion in Q2 for the first time.
G&A expenses grew 4.1% year-over-year, with CIR managed at 36.9% or 49.4% depending on reporting basis.
Provision for credit losses rose 33.6% year-over-year to KRW 1.31 trillion, but decreased slightly quarter-over-quarter.
Outlook and guidance
Expectation of continued asset quality improvement in the second half, with credit cost anticipated to stabilize at mid-40bp level barring external shocks.
Loan growth guidance for 2025: total bank loans to grow 4–5%, household loans around 3%, and corporate loans 6–7%.
Shareholder return framework to remain consistent, with excess capital above CET1 13% fully returned to shareholders.
CET1 ratio management remains a priority, with further proactive shareholder returns planned.
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Next KB Financial Group earnings date
Q3 202530 Oct, 2025
Next KB Financial Group earnings date
Q3 202530 Oct, 2025
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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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