South Korea · Delayed Price · Currency is KRW KB Financial Group Earnings Call Transcripts
Fiscal Year 2026
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9M net profit rose 13.1% YoY to KRW 5,792.1 billion, with ROE at 13.89%. Q3 NIMs eased 2 bps QoQ, while management expects repricing to support asset yields and maintains a conservative credit-cost outlook.
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First-half 2026 net profit rose 13.1% YOY to KRW 3,884.6 billion, driven by strong fee income and securities subsidiary growth. Group CET1 ratio improved to 13.74%, and ROE reached 14.09%. Shareholder returns and capital allocation remain robust amid ongoing market volatility.
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Q1 2026 saw net income rise 11.5% YoY to KRW 1,892.4 billion, with record non-interest income and improved ROE. The group executed the industry's largest treasury share cancellation and maintained strong capital ratios despite FX and market headwinds.
Fiscal Year 2025
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Net profit rose 15.1% YoY to KRW 5.8 trillion, driven by strong non-interest income and cost efficiency. Shareholder returns surged with a 32% higher cash dividend and expanded buybacks, while CET1 and ROE improved. Flexible capital management and a shift to capital markets underpin future growth.
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First-half 2025 net profit rose 23.8% year-over-year, driven by strong non-interest income and improved asset quality. Shareholder returns will reach a record high, with a flexible mix of buybacks and dividends as capital ratios remain robust.
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Q1 2025 net profit reached KRW 1,697.3 billion with ROE at 13.04%, supported by strong non-bank contributions and record operating profit. Shareholder returns increased via higher dividends and buybacks, while capital and asset quality remain robust amid market uncertainties.
Fiscal Year 2024
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2024 net profit rose 10.5% YoY to over KRW 5 trillion, driven by non-bank growth and cost control, with a strong focus on shareholder returns and conservative risk management. CET1 ratio ended at 13.51%, and 2025 guidance targets steady loan growth and stable credit costs.
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Announced a Value-up Plan linking shareholder returns to CET1 ratio, with robust Q3 results driven by non-bank subsidiaries and strong capital adequacy. Net profit grew year-over-year, and the group plans industry-leading buybacks and dividends, maintaining a focus on sustainable, predictable returns.
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First half 2024 net profit declined 7.5% year-over-year due to one-off costs, but Q2 earnings rebounded with strong contributions from non-bank subsidiaries and robust capital ratios. Shareholder returns remain a priority, with increased dividends and buybacks, while asset quality and provisioning are managed conservatively.