NYSE : KB
KB Financial Group Inc. — Financial statements
Financials · Banks - Regional · South Korea
Last price 112.7 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 40.93B
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in KRW.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 27.72T | 29.03T | 27.73T | 19.86T | 14.62T | |
| Interest Income on Investments | 1.44T | 1.46T | 1.42T | 929.74B | 590.39B | |
| Total Interest Income | 29.16T | 30.49T | 29.14T | 20.79T | 15.21T | |
| Interest Paid on Deposits | 16.08T | 17.66T | 16.96T | 9.27T | 3.98T | |
| Total Interest Expense | 16.08T | 17.66T | 16.96T | 9.27T | 3.98T | |
| Net Interest Income | 34.34T | 13.07T | 12.83T | 12.18T | 11.52T | 11.23T |
| Gain (Loss) on Sale of Assets | 302.05B | 302.05B | 24.43B | -49.00M | 153.01B | |
| Gain (Loss) on Sale of Investments | 124.00M | 1.04B | 1.02B | 174.00M | 27.00M | 159.00M |
| Other Non-Interest Income | 4.76T | 4.87T | 4.20T | 4.00T | 2.27T | 3.25T |
| Total Non-Interest Income | 5.06T | 5.17T | 4.23T | 4.00T | 2.42T | 3.25T |
| Revenues Before Loan Losses | 39.41T | 18.25T | 17.05T | 16.18T | 13.93T | 14.48T |
| Provision for Loan Losses | 1.70T | 2.36T | 2.04T | 3.15T | 1.85T | 1.19T |
| Revenue | 37.71T | 15.88T | 15.01T | 13.03T | 12.09T | 13.30T |
| Salaries and Employee Benefits | 3.55T | 4.32T | 4.22T | 4.01T | 4.16T | 4.64T |
| Occupancy Expenses | 691.04B | 966.75B | 968.59B | 917.13B | 867.67B | 850.61B |
| Selling, General & Administrative | 1.12T | 1.44T | 1.42T | 1.41T | 1.36T | 1.45T |
| Other Non-Interest Expense | 22.48T | 341.77B | 324.62B | 303.99B | 254.75B | 268.38B |
| Total Non-Interest Expense | 28.50T | 7.48T | 7.96T | 6.91T | 6.64T | 7.22T |
| EBT Excluding Unusual Items | 9.21T | 8.41T | 7.05T | 6.13T | 5.45T | 6.08T |
| Pretax Income | 8.99T | 8.18T | 6.99T | 6.12T | 5.45T | 6.08T |
| Income Tax Expense | 2.41T | 2.34T | 1.96T | 1.59T | 1.52T | 1.70T |
| Earnings From Continuing Operations | 6.58T | 5.84T | 5.03T | 4.53T | 3.93T | 4.38T |
| Minority Interest in Earnings | -75.45B | -7.55B | 49.62B | 68.50B | 221.59B | 25.16B |
| Net Income | 6.50T | 5.83T | 5.08T | 4.59T | 4.15T | 4.41T |
| Preferred Dividends & Other Adjustments | 134.88B | 202.39B | 199.80B | 184.92B | 126.40B | 71.54B |
| Net Income to Common | 6.37T | 5.63T | 4.88T | 4.41T | 4.03T | 4.34T |
| Basic Shares Outstanding | 353.39M | 365.39M | 378.77M | 384.03M | 389.63M | 389.63M |
| Diluted Shares Outstanding | 353.39M | 368.97M | 383.37M | 393.33M | 398.94M | 398.58M |
| EPS (Basic) | 18,021.55 | 15,410.35 | 12,879.81 | 11,483.29 | 10,334.28 | 11,133.53 |
| EPS (Diluted) | 18,021.55 | 15,261.00 | 12,725.97 | 11,217.98 | 10,099.16 | 10,889.55 |
| Dividend Per Share | 1.60K | 4.37K | 3.17K | 3.06K | 2.95K | 2.94K |
| Effective Tax Rate | 26.78% | 28.62% | 28.01% | 26.04% | 27.86% | 27.91% |
Balance sheet
Fiscal year January - December; amounts in KRW.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 29.01T | 24.61T | 25.83T | 26.53T | 25.27T | |
| Investment Securities | 145.55T | 138.25T | 127.44T | 119.64T | 110.36T | |
| Trading Asset Securities | 97.98T | 91.12T | 83.12T | 79.47T | 69.53T | |
| Total Investments | 243.53T | 229.37T | 210.56T | 199.11T | 179.88T | |
| Gross Loans | 489.45T | 472.88T | 446.74T | 434.16T | 416.80T | |
| Allowance for Loan Losses | -5.41T | -5.63T | -5.46T | -4.16T | -3.68T | |
| Other Adjustments to Gross Loans | -153.95B | -140.10B | -109.25B | -109.84B | -70.53B | |
| Net Loans | 483.89T | 467.10T | 441.17T | 429.89T | 413.05T | |
| Property, Plant & Equipment | 5.13T | 5.39T | 4.95T | 4.99T | 5.24T | |
| Goodwill | 633.66B | 874.05B | 866.97B | 845.15B | 806.41B | |
| Other Intangible Assets | 975.76B | 1.09T | 1.08T | 1.01T | 2.46T | |
| Investments in Real Estate | 3.22T | 3.76T | 4.11T | 3.15T | 2.51T | |
| Accrued Interest Receivable | 3.23T | 3.27T | 3.13T | 2.51T | 1.92T | |
| Other Receivables | 13.74T | 9.75T | 11.82T | 7.32T | 8.03T | |
| Restricted Cash | 4.84T | 4.34T | 3.27T | 4.89T | 4.59T | |
| Other Current Assets | 3.07T | 2.18T | 2.61T | 2.55T | 2.72T | |
| Long-Term Deferred Tax Assets | 193.03B | 278.82B | 274.23B | 188.37B | 159.09B | |
| Other Long-Term Assets | 6.45T | 5.83T | 6.06T | 5.67T | 17.25T | |
| Total Assets | 797.92T | 757.85T | 715.73T | 688.66T | 663.90T | |
| Accrued Expenses | 6.88T | 7.02T | 6.55T | 4.78T | 3.58T | |
| Interest Bearing Deposits | 276.54T | 265.78T | 243.16T | 229.01T | 175.51T | |
| Non-Interest Bearing Deposits | 185.86T | 169.91T | 163.35T | 164.92T | 196.52T | |
| Total Deposits | 462.40T | 435.69T | 406.51T | 393.93T | 372.02T | |
| Short-Term Borrowings | 20.44T | 22.63T | 17.43T | 23.74T | 14.51T | |
| Current Portion of Long-Term Debt | 13.43T | 12.80T | 15.65T | 11.77T | 14.37T | |
| Current Portion of Leases | 325.27B | 315.17B | 243.25B | 244.89B | 223.47B | |
| Current Income Taxes Payable | 610.48B | 530.72B | 145.34B | 998.68B | 662.67B | |
| Other Current Liabilities | 3.81T | 3.04T | 3.30T | 2.46T | 3.14T | |
| Long-Term Debt | 144.28T | 136.84T | 128.00T | 130.30T | 115.32T | |
| Long-Term Leases | 575.84B | 649.23B | 345.55B | 347.81B | 355.34B | |
| Long-Term Unearned Revenue | 609.76B | 606.05B | 594.02B | 763.60B | 870.43B | |
| Pension & Post-Retirement Benefits | 100.09B | 100.19B | 81.87B | 85.75B | 225.52B | |
| Long-Term Deferred Tax Liabilities | 1.82T | 1.68T | 2.09T | 1.56T | 1.47T | |
| Other Long-Term Liabilities | 81.82T | 76.13T | 76.13T | 63.58T | 88.85T | |
| Total Liabilities | 737.09T | 698.03T | 657.09T | 634.56T | 615.60T | |
| Common Stock | 2.09T | 2.09T | 2.09T | 2.09T | 2.09T | |
| Additional Paid-In Capital | 16.63T | 16.65T | 16.65T | 16.94T | 16.94T | |
| Retained Earnings | 38.33T | 34.81T | 31.93T | 28.95T | 25.67T | |
| Treasury Stock | -1.90T | -1.24T | -1.17T | -836.19B | -1.14T | |
| Comprehensive Income & Other | 3.89T | 5.58T | 7.19T | 5.68T | 3.89T | |
| Total Common Equity | 60.89T | 59.05T | 57.89T | 56.69T | 52.83T | 47.46T |
| Minority Interest | 1.78T | 1.93T | 1.94T | 1.28T | 833.34B | |
| Shareholders' Equity | 62.70T | 60.83T | 59.82T | 58.64T | 54.11T | 48.29T |
| Total Liabilities & Equity | 797.92T | 757.85T | 715.73T | 688.66T | 663.90T | |
| Total Debt | 180.57T | 179.05T | 173.24T | 161.67T | 166.40T | 144.79T |
| Net Cash (Debt) | -25.00T | -43.98T | -52.54T | -49.10T | -57.25T | -45.13T |
| Net Cash Per Share | -70,739.11 | -119,183.13 | -137,043.58 | -124,820.79 | -143,503.19 | -113,232.01 |
| Filing Date Shares Outstanding | 353.39M | 358.59M | 373.60M | 378.66M | 389.63M | 389.63M |
| Total Common Shares Outstanding | 353.39M | 358.59M | 373.60M | 378.66M | 389.63M | 389.63M |
| Book Value Per Share | 160,402.05 | 152,511.70 | 141,344.41 | 136,426.77 | 124,202.22 | 114,523.69 |
| Tangible Book Value | 59.30T | 57.44T | 55.92T | 54.74T | 50.97T | 44.19T |
| Tangible Book Value Per Share | 155,887.66 | 148,023.46 | 136,080.28 | 131,274.81 | 119,432.44 | 106,140.55 |
Cash flow statement
Fiscal year January - December; amounts in KRW.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 5.83T | 5.08T | 4.59T | 4.15T | 4.41T | |
| Depreciation & Amortization | 693.58B | 674.12B | 574.50B | 629.79B | 790.62B | |
| Other Amortization | 268.26B | 292.60B | 291.42B | 249.05B | 216.07B | |
| Gain (Loss) on Sale of Assets | -152.58B | 145.16B | 131.27B | -251.86B | 1.97B | |
| Gain (Loss) on Sale of Investments | -2.29T | 301.58B | -1.48T | 1.13T | 37.29B | |
| Provision for Credit Losses | 2.36T | 2.04T | 3.15T | 1.85T | 1.19T | |
| Change in Trading Asset Securities | -7.55T | -700.63B | -6.25T | 3.05T | -6.15T | |
| Change in Income Taxes | 31.03B | 289.85B | -892.97B | 229.28B | -91.69B | |
| Change in Other Net Operating Assets | -11.10T | -20.69T | -3.41T | -16.58T | -38.42T | |
| Other Operating Activities | -7.59T | -7.77T | -4.99T | -5.99T | 3.29T | |
| Operating Cash Flow | -18.92T | -19.80T | -8.09T | -11.81T | -34.52T | |
| Capital Expenditures | -333.44B | -337.18B | -350.14B | -296.94B | -286.61B | |
| Sale of Property, Plant and Equipment | 91.93B | 18.62B | 8.18B | 31.18B | 7.02B | |
| Cash Acquisitions | -264.87B | |||||
| Investment in Securities | -5.55T | -3.06T | -2.59T | -20.56T | -3.90T | |
| Income (Loss) Equity Investments | -26.85B | 16.88B | -33.11B | 28.76B | -93.53B | |
| Divestitures | 88.53B | 1.30T | 932.43B | 374.99B | ||
| Purchase / Sale of Intangibles | -209.83B | -268.66B | -325.07B | -194.88B | -183.49B | |
| Other Investing Activities | 231.55B | -441.78B | -544.37B | -187.72B | 75.53B | |
| Investing Cash Flow | -5.54T | -3.83T | -3.52T | -19.64T | -3.86T | |
| Long-Term Debt Issued | 97.07T | 86.03T | 83.78T | 122.28T | 129.09T | |
| Long-Term Debt Repaid | -89.84T | -85.52T | -86.14T | -106.89T | -117.76T | |
| Lease Payments | -366.95B | -311.36B | -235.05B | -257.57B | -253.25B | |
| Net Debt Issued (Repaid) | 7.24T | 513.72B | -2.36T | 15.39T | 11.33T | |
| Issuance of Common Stock | 404.03B | 399.06B | 598.55B | 1.60T | 1.14T | |
| Repurchase of Common Stock | -2.61T | -1.17T | -571.75B | |||
| Common Dividends Paid | -1.50T | -1.69T | -1.34T | -1.56T | -1.05T | |
| Total Dividends Paid | -1.50T | -1.69T | -1.34T | -1.56T | -1.05T | |
| Net Increase (Decrease) in Deposit Accounts | 23.15T | 23.82T | 12.20T | 16.57T | 32.50T | |
| Other Financing Activities | 2.27T | -39.84B | 2.43T | -240.23B | -593.21B | |
| Financing Cash Flow | 28.95T | 21.84T | 10.96T | 31.75T | 43.32T | |
| Foreign Exchange Rate Adjustments | -74.70B | 570.99B | -58.47B | 197.20B | 241.54B | |
| Net Cash Flow | 4.41T | -1.22T | -708.21B | 501.64B | 5.18T | |
| Free Cash Flow | -19.26T | -20.14T | -8.44T | -12.10T | -34.81T | |
| Free Cash Flow Margin | -121.23% | -134.18% | -64.74% | -100.14% | -261.76% | |
| Free Cash Flow Per Share | -52,191.38 | -52,529.30 | -21,450.50 | -30,336.54 | -87,334.95 | |
| Free Cash Flow After Leases | -19.62T | -20.45T | -8.67T | -12.36T | -35.06T | |
| Cash Interest Paid | 14.04T | 15.35T | 13.12T | 6.36T | 4.06T | |
| Cash Income Tax Paid | 1.17T | 1.16T | 2.19T | 1.52T | 1.59T |
Ratios
Fiscal year January - December; amounts in KRW.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 40.05B | 31.21B | 21.02B | 15.89B | 15.03B | 17.99B |
| Last Close Price | 111.91 | 84.44 | 54.30 | 37.78 | 34.47 | 39.29 |
| PE Ratio | 8.34 | 8.00 | 6.36 | 4.67 | 4.69 | 4.94 |
| PS Ratio | 1.44 | 2.84 | 2.07 | 1.58 | 1.56 | 1.61 |
| PB Ratio | 0.87 | 0.74 | 0.52 | 0.35 | 0.35 | 0.44 |
| Debt / Equity Ratio | 2.88 | 2.94 | 2.90 | 2.76 | 3.08 | 3.00 |
| Net Debt / Equity Ratio | 0.40 | 0.72 | 0.88 | 0.84 | 1.06 | 0.94 |
| Net Debt / FCF Ratio | -2.28 | -2.61 | -5.82 | -4.73 | -1.30 | |
| Return on Equity (ROE) | 9.68% | 8.49% | 8.03% | 7.68% | 9.57% | |
| Return on Assets (ROA) | 0.75% | 0.68% | 0.64% | 0.58% | 0.69% | |
| Earnings Yield | 12.00% | 12.95% | 16.36% | 22.30% | 21.98% | 20.58% |
| FCF Yield | -55.01% | -42.74% | -64.87% | -40.94% | -64.04% | -162.44% |
| Dividend Yield | 2.96% | 3.48% | 3.82% | 5.62% | 6.08% | 5.34% |
| Payout Ratio | 24.65% | 25.80% | 33.22% | 29.09% | 37.66% | 23.89% |
| Buyback Yield / Dilution | 5.20% | 3.75% | 2.53% | 1.41% | -0.09% | -0.97% |
| Total Shareholder Return | 8.15% | 7.23% | 6.35% | 7.03% | 5.99% | 4.38% |