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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
Net profit for 2025 reached KRW 5.85 trillion, up 15.1% year-over-year, driven by robust non-interest income, stable interest income, and effective risk management amid market volatility.
Maintained industry-leading capital adequacy with a CET1 ratio of 13.79% and BIS ratio of 16.16% at year-end 2025.
Shareholder returns hit a record, with a total cash dividend of KRW 1.58 trillion, dividend per share of KRW 4,367, and total shareholder return ratio of 52.4%.
Non-bank subsidiaries contributed significantly to group profit and fee income, reflecting a well-balanced business profile.
Operating revenue decreased 4.5% YoY, but net operating profit and profit for the period increased, supported by higher interest and fee income.
Financial highlights
Net interest income totaled KRW 13,073.1 billion, up 1.9% YoY; non-interest income was KRW 4,872.1 billion, up 16% YoY.
SG&A expenses were KRW 7,051 billion, up 1.6% YoY, with a record-low CIR of 39.3%.
Provision for credit losses increased 15.6% YoY to KRW 2,362.9 billion.
Basic EPS was KRW 15,437, up ~20% YoY; DPS rose 37.6% to KRW 4,367.
Profit before income tax was KRW 8.2 trillion, up 17.34% YoY.
Outlook and guidance
2026 will focus on corporate loan-centered growth, productive finance, and portfolio diversification, with NIM expected to decline gradually.
Bank loan growth projected at ~5%, with household loans at 2-3% and corporate loans at 6-7%.
SG&A expected to grow by about 4% in 2026, mainly due to increased education tax.
CET1 ratio expected to remain high, with a possible slight decline but upward trend by Q3.
2026 capital return plan includes KRW 2.82 trillion in shareholder returns, maintaining CET1 above 13%.
Future shareholder return policy flexibility?
Capital market strategy for ROE improvement?
ELS penalty diffusion impact on 2026 earnings?
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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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