[6-K] KB Financial Group Inc Current Report (Foreign Issuer)

Rhea-AI Filing Summary

KB Financial Group reported solid first-half 2025 results on a consolidated K-IFRS basis with net income of 3,435,693 million Won for the period and basic EPS of 9,031 Won. Profitability improved versus 2024 with a reported ROA of 0.90% and ROE of 11.86%, driven by stable net interest income of 6,368,691 million Won, higher net gains on financial assets at fair value through profit or loss (2,112,363 million Won) and insurance results.

Capital and liquidity remain strong: consolidated total capital was 57,957 billion Won with a BIS ratio of 16.36% (preliminary). The Group disclosed an active shareholder-return framework including quarterly cash dividends (total cash dividends of 669,358 million Won in H1 2025 and cash dividend per common share of 1,832 Won) and a board resolution to acquire and cancel 660 billion Won of treasury shares (5,724,197 shares) between July 24, 2025 and January 9, 2026. Credit metrics show higher provisions (provision for credit losses 1,310,708 million Won in H1 2025 versus 981,088 million Won prior year) and material loan concentration by industry and large corporate exposures (top-20 exposures total 19,693 billion Won).

Positive

• Improved profitability: Consolidated net income of 3,435,693 million Won with ROE of 11.86% and ROA of 0.90%.
• Strong capital position: Total capital of 57,957 billion Won and BIS ratio of 16.36% (preliminary).
• Investor returns policy and execution: Total cash dividends in H1 2025 of 669,358 million Won, cash dividend per share 1,832 Won, and a board-approved trust buyback of 660 billion Won to be canceled.
• Higher trading and market gains: Net gains on financial assets/liabilities at FVTPL of 2,112,363 million Won in H1 2025, supporting operating performance.

Negative

• Rising credit costs: Provision for credit losses increased to 1,310,708 million Won in H1 2025 from 981,088 million Won in the prior period.
• Compositional credit risk: Large borrower and group concentrations — top-20 borrower exposures total 19,693 billion Won and chaebol exposures total 34,046 billion Won — with notable real-estate and manufacturing shares.
• Volatility in OCI: Consolidated accumulated other comprehensive income swung to a loss of 276,887 million Won, reflecting market-value and currency translation impacts.
• Net operating profit slight decline: Net operating profit of 4,425,999 million Won in H1 2025 versus 4,648,307 million Won prior, indicating modest operating pressure.

Insights

Financial Analyst

TL;DR: Profitability and capital metrics improved; shareholder return plan and buyback are investor-positive.

KB Financial Group delivered stronger profitability metrics in H1 2025 with consolidated net income of 3,435,693 million Won, ROE of 11.86% and ROA of 0.90%, indicating improved returns on equity and assets versus 2024. Net interest income held steady at 6,368,691 million Won while trading and fair-value gains rose meaningfully to 2,112,363 million Won, supporting operating profit. Capital adequacy is robust with consolidated total capital of 57,957 billion Won and a BIS ratio of 16.36% (preliminary), enabling the Group's two-phase shareholder return policy combining quarterly dividends and buybacks. The announced trust buyback of 660 billion Won for cancellation is a material capital-deployment action supporting per-share metrics.

Risk Analyst

TL;DR: Capital is strong but rising provisions and sector concentrations warrant monitoring.

While capital and liquidity indicators are healthy, credit-related developments merit attention. Provision for credit losses increased to 1,310,708 million Won in H1 2025 from 981,088 million Won a year earlier, reflecting elevated credit cost recognition. Kookmin Bank shows significant sector and large-exposure concentrations: the top-20 borrower exposures total 19,693 billion Won and chaebol-group exposures aggregate 34,046 billion Won; real-estate-related credit and manufacturing each represent roughly a quarter of loan portfolios by industry. The Group also recorded a swing in accumulated other comprehensive income to a loss of 276,887 million Won on the consolidated balance sheet, indicating market-value volatility in available-for-sale or FVOCI positions. These factors temper the otherwise constructive capital and profitability picture.

08/14/2025 - 06:04 AM

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 UNDER

THE SECURITIES EXCHANGE ACT OF 1934

For the month of August 2025

Commission File Number: 000-53445

KB Financial Group Inc.

(Translation of registrant’s name into English)

26, Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul 07331, Korea

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒    Form 40-F ☐

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Index

1. Summary of the 2025 First Half Business Report

2. Exhibit 99.1 KB Financial Group Review Report for the First Half of 2025 (Consolidated)

3. Exhibit 99.2 KB Financial Group Review Report for the First Half of 2025 (Separate)

Table of Contents

TABLE OF CONTENTS

1.		Introduction to the Company
1.1.		Business Purpose
1.2.		History
1.3.		Overview of the Business Group
1.4.		Capital Structure
1.5.		Dividends
1.6.		Amendments to the Articles of Incorporation
2.		Business
2.1.		Results of Operations
2.2.		Sources and Uses of Funds
2.3.		Other Information to Consider in Making an Investment Decision
3.		Financial Information
3.1.		Consolidated Financial Information
3.2.		Separate Financial Information
3.3.		Other Selected Financial Data
3.4.		Other Financial Information
4.		Independent Public Accountants
4.1.		Audit/ Review Services
4.2.		Public Company Accounting Oversight Board (“PCAOB”) Audit Services
4.3.		Change in Auditor
5.		Corporate Governance and Affiliated Companies
5.1.		Board of Directors & Committees under the Board
5.2.		Audit Committee
5.3.		Compensation to Directors
5.4.		Top 5 Highest-Paid Individuals
5.5.		Stock-based Compensation
5.6.		Affiliated Companies
6.		Directors, Senior Management and Employees
6.1.		Executive Directors
6.2.		Non-standing Directors
6.3.		Non-executive Directors
6.4.		Senior Management
6.5.		Employees
7.		Major Shareholders and Related Party Transactions
7.1.		Major Shareholders
7.2.		Changes in the Largest Shareholder
7.3.		Employee Stock Ownership Association
7.4.		Investments in Affiliated Companies
7.5.		Related Party Transactions

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8.		Internal Controls
8.1.		Management’s Assessment of the Effectiveness of the Internal Accounting Management System
8.2.		Audit Committee’s Assessment of the Effectiveness of the Internal Accounting Management System
8.3.		External Auditor’s Audit Opinion (Review Report) on the Effectiveness of the Internal Accounting Management System

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Summary of 2025 First Half Business Report

On August 14, 2025, KB Financial Group Inc. (“KB Financial Group,” the “Company” or the “Group”) filed its business report for the first half of 2025 (the “Business Report”) with the Financial Services Commission of Korea and the Korea Exchange. This is a summary of the Business Report translated into English.

Except where indicated otherwise, financial information contained in this summary have been prepared in accordance with the Korean equivalent of International Financial Reporting Standards (“K-IFRS”), which differ in certain important respects from generally accepted accounting principles in the United States.

All references to “KB Financial Group,” “we,” “us,” the “Company” or the “Group” are to KB Financial Group and, unless the context requires otherwise, its subsidiaries. In addition, all references to “Won” or “KRW” in this document are to the currency of the Republic of Korea.

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1. Introduction to the Company

1.1. Business Purpose

KB Financial Group is a financial holding company that was established in September 2008. Its main business purpose is to hold shares in companies that are engaged in financial or related services, as well as govern and manage such companies. Its consolidated subsidiaries are primarily engaged in the banking business, as well as the credit card business, the financial investment business, the insurance business and other related businesses.

1.2. History

• September 26, 2008

Obtained final approval from the Financial Services Commission to establish a financial holding company

• September 29, 2008

Establishment of the Company through a comprehensive stock transfer and listing on the New York Stock Exchange

• October 10, 2008

Listing on the Korea Exchange

• October 20, 2008

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

• October 31, 2008

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

• May 4, 2009

Added Kookmin Bank Cambodia PLC. as a second-tier subsidiary

• June 22, 2009

Added KB Life Insurance Co., Ltd. (“KB Life Insurance”), formerly a second-tier subsidiary, as a first-tier subsidiary

• July 1, 2009

Changed the name of KB Venture Capital Co., Ltd. to KB Investment Co., Ltd. (“KB Investment”)

• January 22, 2010

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

• March 2, 2011

Added KB Kookmin Card Co., Ltd. (“KB Kookmin Card”) as a first-tier subsidiary following the spin-off of Kookmin Bank’s credit card business unit.

• March 14, 2011

KB Futures Co., Ltd. was merged into KB Investment & Securities Co., Ltd. (“KB Investment & Securities”)

• July 8, 2011

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

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• January 13, 2012

Added KB Savings Bank Co., Ltd. (“KB Savings Bank”) as a first-tier subsidiary

• October 10, 2012

Added KB Kookmin Bank (China) Ltd. as a second-tier subsidiary

• June 20, 2013

Acquired the remaining shares of KB Life Insurance, which increased the Company’s shareholding to 100%

• September 2, 2013

Added Yehansoul Savings Bank as a first-tier subsidiary

• January 13, 2014

Yehansoul Savings Bank was merged into KB Savings Bank

• March 20, 2014

Added KB Capital Co., Ltd. (“KB Capital”) as a first-tier subsidiary

• June 24, 2015

Added KB Insurance Co., Ltd. (“KB Insurance”) as a non-consolidated first-tier subsidiary

• November 23, 2015

Acquired additional shares of KB Insurance, which increased the Company’s shareholding from 19.47% to 33.29%

• May 31, 2016

Added Hyundai Securities Co., Ltd. (“Hyundai Securities”) as a non-consolidated first-tier subsidiary

• June 21, 2016

Disposed of LIG Investment & Securities, Co., Ltd., a second-tier subsidiary

• June 28, 2016

Acquired treasury shares of Hyundai Securities, which increased the Company’s equity ownership in Hyundai Securities from 22.56% to 29.62%

• December 1, 2016

Added KB Golden Life Care Co., Ltd. as a second-tier subsidiary

• December 30, 2016

Merged KB Investment & Securities with and into Hyundai Securities, with Hyundai Securities as the surviving entity, then changed its name to KB Securities Co., Ltd. (“KB Securities”)

• February 8, 2017

Added KB KOLAO LEASING Co., Ltd. as a second-tier subsidiary

• March 8, 2017

Added KB Microfinance Myanmar Co., Ltd. as a second-tier subsidiary

• July 7, 2017

Converted KB Insurance and KB Capital into wholly-owned subsidiaries of the Company through comprehensive stock swaps

• September 29, 2017

Added KB Asset Management Singapore Pte. Ltd. as a second-tier subsidiary (changed from a second-tier subsidiary of KB Securities to a first-tier subsidiary of KB Asset Management Co., Ltd.)

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• October 9, 2017

Added KB SECURITIES VIETNAM JOINT STOCK COMPANY (formerly MARITIME SECURITIES INCORPORATION) as a second-tier subsidiary

• October 16, 2017

Disposed of Hyundai Savings Bank, Co., Ltd., a second-tier subsidiary

• December 22, 2017

Disposed of Hyundai Asset Management, Co., Ltd., a second-tier subsidiary

• July 6, 2018

Added KB Daehan Specialized Bank PLC. as a second-tier subsidiary

• August 21, 2018

Added KBAM Shanghai Advisory Services Co., Ltd. as a second-tier subsidiary

• April 10, 2020

Added PRASAC Microfinance Institution PLC. as a second-tier subsidiary

• May 18, 2020

Added PT Sunindo Kookmin Best Finance as a second-tier subsidiary

• July 3, 2020

Added PT KB Finansia Multi Finance as a second-tier subsidiary

• August 31, 2020

Added Prudential Life Insurance Company of Korea, Ltd. (“Prudential Life Insurance”) as a first-tier subsidiary

• September 2, 2020

Added PT Bank Bukopin Tbk as a second-tier subsidiary (renamed PT Bank KB Bukopin, Tbk. on February 8, 2021)

• December 16, 2020

Added KB FINA JOINT STOCK COMPANY as a second-tier subsidiary

• December 23, 2020

Added KB Bank Myanmar Co., Ltd. as a second-tier subsidiary

• January 29, 2021

Added J Fintech Co., Ltd as a second-tier subsidiary (renamed KB J Capital Co., Ltd. on February 16, 2021)

• March 2, 2021

Added PT KB Data Systems Indonesia as a second-tier subsidiary

• October 8, 2021

Added KB Healthcare Co., Ltd. as a second-tier subsidiary

• February 14, 2022

Added PT KB Valbury Sekuritas as a second-tier subsidiary

• May 10, 2022

Added KB Life Partners Co., Ltd. as a second-tier subsidiary

• December 26, 2022

Added i-Finance Leasing Plc. as a second-tier subsidiary

• December 26, 2022

Renamed Prudential Life Insurance Company of Korea, Ltd. to KB Life Insurance Co., Ltd.

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• January 1, 2023

Merged KB Life Insurance with and into KB Life Insurance Co., Ltd. (former Prudential Life Insurance Company of Korea, Ltd.)

• June 30, 2023

Withdrew KB Credit Information Co., Ltd. as a first-tier subsidiary and added it as a second-tier subsidiary as it became a subsidiary of KB Kookmin Card Co., Ltd. (a first-tier subsidiary)

• August 4, 2023

Merged KB Bank Cambodia Plc. with and into PRASAC Microfinance Institution Plc.; renamed the merged entity KB PRASAC BANK PLC. and converted it into a commercial bank

• October 5, 2023

Transferred KB Golden Life Care Co., Ltd. from being a subsidiary of KB Insurance Co., Ltd. to a subsidiary of KB Life Insurance Co., Ltd.

• December 13, 2023

Added Teamwink Inc. as a second-tier subsidiary (renamed to KBFintech Co., Ltd. on October 14, 2024)

• June 3, 2024

Added KB Fund Partners as a second-tier subsidiary following the split-off of Kookmin Bank’s fund services business unit

1.3. Overview of the Business Group

						(As of June 30, 2025)
Type		Name of Company		Controlling Company		Remarks
Holding Company		KB Financial Group		—		Listed
1st Tier Subsidiaries		Kookmin Bank		KB Financial Group		Not listed
		KB Securities Co., Ltd.		KB Financial Group		Not listed
		KB Insurance Co., Ltd.		KB Financial Group		Not listed
		KB Kookmin Card Co., Ltd.		KB Financial Group		Not listed
		KB Life Insurance Co., Ltd.		KB Financial Group		Not listed
		KB Asset Management Co., Ltd.		KB Financial Group		Not listed
		KB Capital Co., Ltd.		KB Financial Group		Not listed
		KB Real Estate Trust Co., Ltd.		KB Financial Group		Not listed
		KB Savings Bank Co., Ltd.		KB Financial Group		Not listed
		KB Investment Co., Ltd.		KB Financial Group		Not listed
		KB Data Systems Co., Ltd.		KB Financial Group		Not listed
2nd Tier Subsidiaries		PT Bank KB Bukopin Tbk.		Kookmin Bank		Listed (Overseas)
		Kookmin Bank (China) Limited		Kookmin Bank		Not listed (Overseas)
		KB Microfinance Myanmar Co., Ltd.		Kookmin Bank		Not listed (Overseas)
		KB Bank Myanmar Co., Ltd.		Kookmin Bank		Not listed (Overseas)
		KB PRASAC BANK PLC		Kookmin Bank		Not listed (Overseas)
		KB Fund Partners		Kookmin Bank		Not listed
		KBFG Securities America Inc.		KB Securities		Not listed (Overseas)

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						(As of June 30, 2025)
Type		Name of Company		Controlling Company		Remarks
		KB Securities Hong Kong Ltd.		KB Securities		Not listed (Overseas)
		KB SECURITIES VIETNAM JOINT STOCK COMPANY		KB Securities		Not listed (Overseas)
		KB-TS Technology Venture Private Equity Fund		KB Securities		Not listed
		KB-Stonebridge Secondary Private Equity Fund		KB Securities		Not listed
		KB-SPROTT Renewable Private Equity Fund I		KB Securities		Not listed
		KB-SP Private Equity Fund IV.(1)		KB Securities		Not listed
		KB-NAU Special Situation Corporate Restructuring Private Equity Fund		KB Securities		Not listed
		U-KB Credit No.1 Private Equity I		KB Securities		Not listed
		KB-SBI Global Strategic Capital Fund		KB Securities		Not listed
		KB FINA JOINT STOCK COMPANY		KB Securities		Not listed (Overseas)
		PT KB Valbury Sekuritas		KB Securities		Not listed (Overseas)
		KB-LB Middle Market Enterprises Innovation Private Equity Fund		KB Securities		Not listed
		KB-IMM New Star Real Estate Private Fund I		KB Securities		Not listed
		KB-Novus Genesis Private Equity Fund(2)		KB Securities		Not listed
		KB-IMM New Star Real Estate Private Fund II(3)		KB Securities		Not listed
		KB Claims Survey & Adjusting Co., Ltd.		KB Insurance		Not listed
		KB Sonbo Customer & Service		KB Insurance		Not listed
		Leading Insurance Services, Inc		KB Insurance		Not listed (Overseas)
		KBFG Insurance (China) Co., Ltd		KB Insurance		Not listed (Overseas)
		PT. KB Insurance Indonesia		KB Insurance		Not listed (Overseas)
		KB Healthcare Co., Ltd.		KB Insurance		Not listed
		KB Credit Information		KB Kookmin Card		Not listed
		KB Daehan Specialized Bank Plc.		KB Kookmin Card		Not listed (Overseas)
		PT KB Finansia Multi Finance		KB Kookmin Card		Not listed (Overseas)
		KB J Capital Co., Ltd		KB Kookmin Card		Not listed (Overseas)
		KB Life Partners Co., Ltd		KB Life Insurance		Not listed
		KB Golden Life Care Co., Ltd.		KB Life Insurance		Not listed
		KB Asset Management Singapore Pte. Ltd.		KB Asset Management		Not listed (Overseas)
		KBAM Shanghai Advisory Services Co., Ltd.		KB Asset Management		Not listed (Overseas)
		PT KB Valbury Asset Management		KB Asset Management		Not listed (Overseas)
		KB Co-investment 1st Private Equity Fund		KB Asset Management		Not listed
		KB Mezzanine Capital 4th Private Equity Fund		KB Asset Management		Not listed
		KB KOLAO LEASING Co., Ltd		KB Capital		Not listed (Overseas)
		PT. Sunindo Kookmin Best Finance		KB Capital		Not listed (Overseas)
		KBFintech Inc.		KB Capital		Not listed
		FineKB Private Equity Fund No.1		KB Investment		Not listed

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						(As of June 30, 2025)
Type		Name of Company		Controlling Company		Remarks
		KB Bio Global Expansion Private Equity Fund No.1		KB Investment		Not listed
		KB-Badgers Future Mobility ESG Fund I		KB Investment		Not listed
		FineKB Private Equity Fund No.2		KB Investment		Not listed
		PT KB Data Systems Indonesia		KB Data Systems		Not listed (Overseas)
3rd Tier Subsidiaries		PT Bukopin Finance		PT Bank KB Bukopin Tbk.		Not listed (Overseas)
		PT Bank Syariah Bukopin		PT Bank KB Bukopin Tbk.		Not listed (Overseas)
		Mangrove Master Fund		KB Asset Management Singapore Pte. Ltd.		Not listed (Overseas)
		Mangrove Feeder Fund		KB Asset Management Singapore Pte. Ltd.		Not listed (Overseas)

Notes: (1) KB-SP Private Equity Fund IV is scheduled to be liquidated on July 25, 2025.

(2) KB-Novus Genesis Private Equity Fund was established on May 15, 2025, and was incorporated as a subsidiary of KB Securities.

(3) KB-IMM New Star Real Estate Private Fund II was established on June 24, 2025, and was incorporated as a subsidiary of KB Securities.

1.4. Capital Structure

1.4.1. Common Shares

Changes in Capital

(As of June 30, 2025)																(Unit: Won, shares)
Date		Type		Number of Shares Issued or Cancelled				Par Value				Price				Remarks
September 29, 2008		Common Stock			356,351,693				5,000				48,444			Establishment of the Company
September 2, 2009		Common Stock			30,000,000				5,000				37,250			% increase in number of common shares: 8.41865%
October 19, 2016		Common Stock			31,759,844				5,000				35,474			% increase in number of common shares: 8.22045%
December 12, 2019		Common Stock			2,303,617				5,000				—			Share Cancellation(1)
February 14, 2022		Common Stock			3,455,426				5,000				—			Share Cancellation(1)
August 1, 2022		Common Stock			3,455,426				5,000				—			Share Cancellation(1)
April 4, 2023		Common Stock			5,385,996				5,000				—			Share Cancellation(1)
August 14, 2024		Common Stock			9,982,649				5,000				—			Share Cancellation(1)
May 15, 2025		Common Stock			12,066,320				5,000				—			Share Cancellation(1)

Note: (1) The cancelled shares constituted treasury shares acquired pursuant to a resolution of the board of directors of the Company within the limits of profit available for dividend payment, and as such, there was no change in paid-in capital.

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Number of Shares

(As of June 30, 2025)		(Unit: shares)
		Type
		Common Shares				Preferred Shares				Total				Remarks
Shares Authorized for Issuance			1,000,000,000				—				1,000,000,000				As specified in the Articles of Incorporation
Total Shares Issued (A)			418,111,537				—				418,111,537				—
Decrease in Number of Shares (B)			36,649,434				—				36,649,434				—
1. Capital Reduction			—				—				—				—
2. Cancellation			36,649,434				—				36,649,434				Cancellation of Treasury Shares
3. Redemption			—				—				—				—
4. Other			—				—				—				—
Shares Issued as of June 30, 2025 (C=A-B)			381,462,103				—				381,462,103				—
Treasury Shares (D)			17,310,128				—				17,310,128				—
Shares Outstanding (C—D)			364,151,975				—				364,151,975				—
Treasury Share Holding Ratio			4.5	%			—				4.5	%			—

Notes: (1) On July 24, 2025, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company entered into a trust agreement with Hana Securities Co., Ltd. for the acquisition of Won 660 billion worth of treasury shares (5,724,197 shares) between July 24, 2025 and January 9, 2026, which will subsequently be canceled. The cancelled shares are within the limits of profit available for dividend payment, and as such, there will be no change in paid-in capital although the total number of issued shares will decrease.

1.4.2. Voting Rights

(As of June 30, 2025)										(Unit: shares)
Items						Number of Shares				Notes
Total number of issued shares			Common shares				381,462,103				—
			Preferred shares				—				—
Shares without voting rights			Common shares				17,310,128
			Preferred shares				—				—
Shares for which voting rights cannot be exercised pursuant to the Articles of Incorporation			—				—				—
Shares for which voting rights are restricted under relevant laws and regulations			—				—				—
Shares with restored voting rights			—				—				—
Total shares for which voting rights may be exercised			Common shares				364,151,975				—
			Preferred shares				—				—

Notes: (1) On July 23, 2024, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on August 27, 2024, and completed such acquisition on November 5, 2024, acquiring a total of 4,575,874 treasury shares. Following the termination of the trust agreement for the acquisition of the shares on March 4, 2025, the Company canceled the acquired treasury shares on May 15, 2025. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on March 4, 2025.

(2) On October 24, 2024, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on November 29, 2024, and completed such acquisition on December 17, 2024, acquiring a total of 1,089,097 treasury shares. Following the termination of the trust agreement for the acquisition of the shares on April 30, 2025, the Company canceled the acquired treasury shares on May 15, 2025. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on April 30, 2025.

(3) On February 5, 2025, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on February 6, 2025, and completed such acquisition on April 14, 2024, acquiring a total of 6,401,349 treasury shares. The Company canceled the acquired treasury shares on May 15, 2025. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on April 14, 2025.

(4) On April 24, 2025, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on April 28, 2025, and completed such acquisition on June 30, 2025, acquiring a total of 3,047,395 treasury shares. The shares are expected to be canceled on January 15, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on June 30, 2025.

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1.5. Dividends

On October 24, 2024, KB Financial Group disclosed a detailed plan to enhance corporate value titled “KB Financial Group’s Sustainable Value-up Plan,” which includes information on shareholder returns and dividends. The key details of the plan are as outlined below (the full version of the plan can be accessed on KB Financial Group’s website at www.kbfg.com).

The Company’s goal is to maintain a target ROE of 10% or above, as it strives to improve profitability by enhancing its RoRWA, thereby strengthening its intrinsic corporate value.

The Company also seeks to maintain a target CET1 ratio of 13% or above. It aims to carefully manage its RWA growth rate by taking capital efficiency and profitability into consideration with the goal of maintaining a CET1 ratio in the range of mid-13% throughout the year.

The Company plans to execute its shareholder return policy in two phases. In the first phase, it will aim to utilize the capital in such amount that is equivalent to the amount exceeding 13% of its CET1 ratio as of the end of the previous year for the payment of shareholder returns in the following year. These returns will be supported through quarterly cash dividends (equitably distributed on a total annual basis) and through share buybacks and cancellations. In the second phase, the Company will aim to utilize the capital in such amount that is equivalent to the amount exceeding 13.5% of its CET1 ratio in the second half of the year to pay for additional shareholder returns. These returns, which will be made based on profits accumulated throughout the year, will be executed through share buybacks and cancellations.

These goals and expectations are subject to adjustments based on economic uncertainties, regulatory considerations, capital ratio projections, and the Company’s strategic objectives, including potential inorganic growth opportunities.

KB Financial Group’s progress report on its Sustainable Value-up Plan is available on its website (www.kbfg.com).

						(Unit: in millions of Won, except per share amounts and percentages)
Items						January 1, 2025 to June 30, 2025(1)				January 1, 2024 to December 31, 2024(2)				January 1, 2023 to December 31, 2023(3)
Par value per share (Won)							5,000				5,000				5,000
(Consolidated) Net income							3,435,693				5,078,221				4,631,932
(Consolidated) Earnings per share (Won)							9,031				12,880				11,483
Total cash dividends							669,358				1,198,257				1,173,937
Total stock dividends							—				—				—
(Consolidated) Cash dividend payout ratio (%)							19.5				23.6				25.3
Cash dividend yield (%)			Common shares				1.6				3.5				4.9
			—				—				—				—
Stock dividend yield (%)			Common shares				—				—				—
			—				—				—				—
Cash dividend per share (Won)			Common shares				1,832				3,174				3,060
			—				—				—				—
Stock dividend per share			Common shares				—				—				—
			—				—				—				—

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Notes: (1) Includes a quarterly dividend amount of Won 334,339 million (Won 912 per common share) in the first quarter of fiscal year 2025, and an expected quarterly dividend amount of Won 335,020 million (Won 920 per common share) in the second quarter of fiscal year 2025

(2) Includes a quarterly dividend amount of Won 300,087 million (Won 784 per common share) in the first quarter of fiscal year 2024, a quarterly dividend amount of Won 299,999 million (Won 791 per common share) in the second quarter of fiscal year 2024, a quarterly dividend amount of Won 299,886 million (Won 795 per common share) in the third quarter of fiscal year 2024, and an annual dividend amount of Won 298,285 million (Won 804 per common share) for fiscal year 2024.

(3) Includes a quarterly dividend amount of Won 195,967 million (Won 510 per common share) in the first quarter of fiscal year 2023, a quarterly dividend amount of Won 195,967 million (Won 510 per common share) in the second quarter of fiscal year 2023, a quarterly dividend amount of Won 194,998 million (Won 510 per common share) in the third quarter of fiscal year 2023, and an annual dividend amount of Won 587,006 million (Won 1,530 per common share) for fiscal year 2023.

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1.6. Amendments to the Articles of Incorporation

The Company’s Articles of Incorporation were most recently amended on March 26, 2025.

Date		Shareholder meeting through which the amendments were approved and ratified		Major changes		Reason for Change
March 24, 2023		Annual General Meeting of Shareholders for Fiscal Year 2022		Establishment of: (i) the basis for determining the record date for the payment of dividends through a resolution of the Board of Directors, and (ii) an equal dividend payment policy with respect to shares in the same class, through the amendment of articles 10, 11, 15, 16, 17, 18, 19, 20, 49, 59, and 60		Establishment of the basis for determining the record date for the payment of dividends through a resolution of the Board of Directors
March 26, 2025		Annual General Meeting of Shareholders for Fiscal Year 2024		(i) Additional items designated as matters to be determined through a resolution of the Board of Directors and the establishment of an internal control committee within the Board of Directors, and (ii) allowing the determination of record dates for quarterly dividends through a resolution of the Board of Directors, through the amendment of articles 14, 20-2, 44, 48, 51, 52, 56, 59 and 60.		Establishment of an Internal Control Committee and the establishment of a basis for determining the record date for quarterly dividends through a resolution of the Board of Directors, each in accordance with amendments to the Financial Investment Services and Capital Markets Act.

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2. Business

2.1. Results of Operations

										(Unit: in millions of Won)
		For the six months ended June 30, 2025				For the six months ended June 30, 2024				For the year ended December 31, 2024				For the year ended December 31, 2023
Net interest income			6,368,691				6,396,238				12,826,714				12,180,860
Interest income			14,739,574				15,224,888				30,491,385				29,142,024
Interest expense			(8,370,883	)			(8,828,650	)			(17,664,671	)			(16,961,164	)
Net fee and commission income			1,965,984				1,909,728				3,849,627				3,673,524
Fee and commission income			2,777,199				2,726,904				5,481,843				5,368,074
Fee and commission expense			(811,215	)			(817,176	)			(1,632,216	)			(1,694,550	)
Insurance service result			849,889				1,035,068				1,649,761				1,446,852
Insurance income			6,144,414				5,577,528				11,456,191				11,005,471
Insurance expense			(5,294,525	)			(4,542,460	)			(9,806,430	)			(9,558,619	)
Net gains on financial assets/liabilities at fair value through profit or loss			2,112,363				570,710				1,012,081				2,163,065
Other insurance finance income			(413,291	)			(369,654	)			(437,001	)			(572,476	)
Net other operating expenses			(1,791,668	)			(690,568	)			(1,873,011	)			(2,712,989	)
General and administrative expenses			(3,355,261	)			(3,222,127	)			(6,938,624	)			(6,647,406	)
Operating profit before provision for credit losses			5,736,707				5,629,395				10,089,547				9,531,430
Provision for credit losses			(1,310,708	)			(981,088	)			(2,044,286	)			(3,146,409	)
Net operating profit			4,425,999				4,648,307				8,045,261				6,385,021

Notes: (1) Based on K-IFRS (on a consolidated basis).

(2) KB Financial Group’s results of operations for the six months ended June 30, 2024 and the year ended December 31, 2023 above have been adjusted retroactively to reflect the Financial Supervisory Service’s responses to certain accounting inquiries regarding the application of K-IFRS 1117 (Insurance Contracts).

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2.2. Sources and Uses of Funds

2.2.1. Sources of Funds

																												(Unit: in millions of Won)
				For the six months ended June 30, 2025												For the year ended December 31, 2024												For the year ended December 31, 2023
				Average Balance				Interest Rate (%)				Ratio (%)				Average Balance				Interest Rate (%)				Ratio (%)				Average Balance				Interest Rate (%)				Ratio (%)
Won Currency		Deposits			371,103,809				2.21				48.66				359,346,604				2.45				48.87				337,478,959				2.53				48.52
		Certificate of deposit			10,501,996				3.19				1.38				11,148,293				3.84				1.52				10,417,992				4.07				1.50
		Borrowings			34,329,771				2.91				4.50				32,774,664				3.47				4.46				32,807,456				3.38				4.72
		Call money			2,076,514				2.78				0.27				1,747,858				3.43				0.24				1,384,033				3.52				0.20
		Debentures			60,186,378				3.66				7.89				58,497,966				3.67				7.96				56,245,329				3.34				8.09
		Others			27,065,443				3.47				3.56				24,034,767				4.09				3.26				21,767,083				4.49				3.13
Subtotal					505,263,911				2.52				66.26				487,550,152				2.78				66.31				460,100,852				2.82				66.16
Foreign Currency		Deposits			40,608,957				3.53				5.32				37,798,747				4.12				5.14				35,675,306				3.97				5.13
		Borrowings			17,928,850				3.94				2.35				18,638,964				4.60				2.54				21,094,988				4.3				3.03
		Call money			2,207,707				4.53				0.29				1,796,999				5.16				0.24				1,348,423				4.76				0.19
		Debentures			15,621,273				3.07				2.05				14,573,073				3.29				1.98				12,884,157				3.31				1.85
		Others			1,599,440				4.03				0.21				1,166,042				4.38				0.16				1,067,253				3.51				0.15
Subtotal					77,966,227				3.57				10.22				73,973,825				4.11				10.06				72,070,127				3.96				10.35
Others		Total shareholders’ equity			59,899,108				—				7.85				59,062,845				—				8.03				56,740,649				—				8.16
		Allowances			982,431				—				0.13				1,530,852				—				0.21				1,055,315				—				0.15
		Others			118,520,666				—				15.54				113,145,013				—				15.39				105,610,633				—				15.18
Subtotal					179,402,205				—				23.52				173,738,710				—				23.63				163,406,597				—				23.49
Total					762,632,343				—				100.00				735,262,687				—				100.00				695,577,576				—				100.00

Notes: (1) Based on K-IFRS (on a consolidated basis).

(2) The figures for the year ended December 31, 2023 above have been adjusted retroactively to reflect the Financial Supervisory Service’s responses to certain accounting inquiries regarding the application of K-IFRS 1117 (Insurance Contracts).

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2.2.2. Uses of Funds

																												(Unit: in millions of Won)
				For the six months ended June 30, 2025												For the year ended December 31, 2024												For the year ended December 31, 2023
				Average Balance				Interest Rate (%)				Ratio (%)				Average Balance				Interest Rate (%)				Ratio (%)				Average Balance				Interest Rate (%)				Ratio (%)
Won Currency		Due from banks			14,638,616				0.73				1.92				15,397,433				0.83				2.09				14,595,696				1.04				2.10
		Securities			187,426,753				3.30				24.58				180,330,525				3.22				24.53				166,163,329				3.27				23.89
		Loans			406,152,876				4.34				53.26				390,097,807				4.67				53.06				369,004,854				4.82				53.05
		Guarantee payments under payment guarantee			8,256				2.06				—				5,835				0.99				—				5,114				0.81				—
		Call loan			176,570				2.85				0.02				264,716				3.56				0.04				286,735				3.62				0.04
		Private placement corporate bonds			1,265,015				7.26				0.17				1,127,090				5.79				0.15				1,161,338				3.08				0.17
		Credit cards			23,359,482				8.03				3.06				23,320,536				8.12				3.17				22,738,818				7.95				3.27
		Others			4,683,109				15.61				0.61				3,829,387				17.76				0.53				3,235,831				18.40				0.47
		Allowance			(4,301,022	)			—				(0.56	)			(4,193,334	)			—				(0.57	)			(3,559,486	)			—				(0.51	)
Subtotal					633,409,655				4.20				83.06				610,179,995				4.39				83.00				573,632,229				4.51				82.48
Foreign Currency		Due from banks			10,520,498				2.52				1.38				9,494,397				2.92				1.29				8,868,559				2.39				1.27
		Securities			24,320,779				5.54				3.19				23,085,246				5.60				3.14				22,373,470				4.81				3.22
		Loans			37,583,431				7.12				4.93				37,007,504				7.60				5.03				36,723,273				7.48				5.28
		Call loan			6,953,995				4.40				0.91				6,018,342				5.33				0.82				6,393,291				5.19				0.92
		Bills bought			1,787,530				4.92				0.23				1,979,563				5.52				0.27				2,047,390				5.58				0.29
		Allowance			(1,640,996	)			—				(0.22	)			(1,515,396	)			—				(0.21	)			(1,319,579	)			—				(0.19	)
		Others			2,637,746				—				0.35				2,346,259				—				0.32				2,742,464				—				0.39
Subtotal					82,162,983				5.79				10.77				78,415,915				6.23				10.66				77,828,868				5.84				11.18
Others		Cash			1,483,141				—				0.19				1,576,791				—				0.21				1,681,170				—				0.24
		Fixed assets held for business			9,283,478				—				1.22				9,391,370				—				1.28				8,788,637				—				1.26
		Others			36,293,086				—				4.76				35,698,616				—				4.85				33,646,672				—				4.84
Subtotal					47,059,705				—				6.17				46,666,777				—				6.34				44,116,479				—				6.34
Total					762,632,343				—				100.00				735,262,687				—				100.00				695,577,576				—				100.00

Notes: (1) Based on K-IFRS (on a consolidated basis).

(2) The figures for the year ended December 31, 2023 above have been adjusted retroactively to reflect the Financial Supervisory Service’s responses to certain accounting inquiries regarding the application of K-IFRS 1117 (Insurance Contracts).

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2.3. Other Information to Consider in Making an Investment Decision

2.3.1. Capital Adequacy

KB Financial Group						(Unit: in billions of Won, except percentages)
		As of June 30, 2025				As of December 31, 2024				As of December 31, 2023
Total capital (A)			57,957				46,849				53,744
Risk-weighted assets (B)			354,230				345,981				321,319
BIS ratio (A/B)			16.36	%			16.43	%			16.73	%

Notes: (1) Calculated in accordance with Basel III.

(2) The figures as of June 30, 2025 are preliminary.

Kookmin Bank						(Unit: in billions of Won, except percentages)
		As of June 30, 2025				As of December 31, 2024				As of December 31, 2023
Total capital (A)			42,345				40,574				39,040
Risk-weighted assets (B)			236,754				234,436				215,962
BIS ratio (A/B)			17.89				17.31				18.08

Notes: (1) Calculated in accordance with Basel III.

(2) The figures as of June 30, 2025 are preliminary.

KB Securities Co., Ltd.						(Unit: in billions of Won, except percentages)
		As of June 30, 2025				As of December 31, 2024				As of December 31, 2023
Net operating capital (A)			5,447				5,397				5,058
Total amount at risk (B)			3,006				3,176				2,934
Maintenance equity margin (C)			135				134				134
Net capital ratio (A-B)/(C)			1,808.75	%			1,654.45	%			1,582.09	%
Capital surplus (A-B)			2,440				2,221				2,124
KB Insurance Co., Ltd.						(Unit: in billions of Won, except percentages)
		As of June 30, 2025				As of December 31, 2024				As of December 31, 2023
Available capital (A)			12,153				11,319				11,669
Required capital (B)			6,349				6,072				5,404
Capital Adequacy ratio (A/B)(2)			191.43	%			186.42	%			215.94	%

Notes: (1) The figures as of June 30, 2025 are preliminary.

(2) Since 2023, the capital adequacy system has changed from the Risk-Based Capital (“RBC”) system to the Korean Insurance Capital Standard (“K-ICS”) system. Key changes include a shift in the valuation basis for insurance liabilities from a cost-based to a market-based approach, an increase in the confidence level for required capital measurement to 99.5%, and the adoption of a shock scenario approach in addition to the existing risk factor approach.

2.3.2. Overseas Credit Ratings

						(As of June 30, 2025)
Rating Company		Moody’s				S&P
Type		Long-term		Short-term		Long-term		Short-term
Credit Rating		A1		P-1		A		A-1

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2.3.3. Domestic Credit Ratings

Date of Rating		Type		Credit Rating		Rating Company (Rating Range)
1/27/2022		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D)
1/28/2022		Contingent Convertible Bonds		AA-		NICE Investors Service (AAA ~ D)
4/29/2022		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
6/2/2022		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
6/20/2022		Commercial Paper		A1		Korea Ratings (A1 ~ D) / KIS Ratings (A1 ~ D) / NICE Investors Service (A1 ~ D)
8/16/2022		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
2/3/2023		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
6/23/2023		Commercial Paper		A1		Korea Ratings (A1 ~ D) / KIS Ratings (A1 ~ D) / NICE Investors Service (A1 ~ D)
2/28/2024		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
10/18/2024		Debentures		AAA		NICE Investors Service (AAA ~ D)
10/18/2024		Commercial Paper		A1		NICE Investors Service (A1 ~ D)
10/21/2024		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D)
10/21/2024		Commercial Paper		A1		KIS Ratings (A1 ~ D)
11/6/2024		Commercial Paper		A1		Korea Ratings (A1 ~ D)
1/9/2025		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
1/22/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
2/21/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / NICE Ratings (AAA ~ D)
2/24/2025		Debentures		AAA		KIS Ratings (AAA ~ D)
3/20/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)
4/23/2025		Debentures		AAA		KIS Ratings (AAA ~ D) / NICE Investors Ratings (AAA ~ D)
4/24/2025		Debentures		AAA		Korea Ratings (AAA ~ D)
5/20/2025		Debentures		AAA		KIS Ratings (AAA ~ D)
5/22/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / NICE Ratings (AAA ~ D)
6/24/2025		Commercial Paper		A1		NICE Investors Ratings (A1 ~ D)
6/26/2025		Commercial Paper		A1		KIS Ratings (A1 ~ D)
6/27/2025		Commercial Paper		A1		Korea Ratings (A1 ~ D)

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2.3.4. Early Retirement Program

To enhance productivity by improving its labor structure, Kookmin Bank implemented a voluntary early retirement program following negotiations with its labor union.

Subsidiary		Date of Retirement		Number of Retired Persons
Kookmin Bank		January 28, 2019		615
		January 20, 2020		462
		January 30, 2021		800
		January 21, 2022		674
		January 18, 2023		713
		January 19, 2024		674
		January 18, 2025		647

2.3.5. Other Factors Affecting the Group’s Financial Condition and Results of Operations

The economic outlook for Korea and its financial services sector in 2025 and for the foreseeable future remains highly uncertain as a result of, among others, (i) volatile conditions in the Korean and global economies and financial markets resulting from interest and exchange rate fluctuations, high levels of inflation as a result of increased tariffs, lower consumer confidence, stock market and real estate market volatility, rising loan delinquency rates in Korea and changes in fiscal and monetary policies, and (ii) adverse conditions in the Korean and global economies and financial markets resulting from geopolitical uncertainties, including as a result of the imposition of significant tariffs by the United States on its trading partners and other escalations in trade protectionism globally, changes in the global policies of the United States, the ongoing war between Russia and Ukraine, and accelerating de-globalization trends.

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3. Financial Information

3.1. Consolidated Financial Information

3.1.1. Consolidated Statements of Financial Position

						(Unit: in millions of Won)
		As of June 30, 2025				As of December 31, 2024
Cash and due from financial institutions			34,118,314				29,869,111
Financial assets at fair value through profit or loss			88,393,886				79,450,093
Derivative financial assets			6,922,873				11,730,767
Loans measured at amortized cost			478,247,445				472,071,840
Financial investments			130,061,191				131,009,464
Investments in associates and joint ventures			945,501				947,390
Insurance assets			347,273				276,191
Reinsurance assets			1,528,005				1,497,147
Property and equipment			5,179,524				5,390,015
Investment property			3,215,232				3,759,176
Intangible assets			1,817,654				1,966,684
Net defined benefit assets			290,125				258,500
Current income tax assets			344,131				339,855
Deferred income tax assets			167,555				278,824
Assets held for sale			279,873				136,838
Assets of a disposal group held for sale			—				—
Other assets			28,764,082				18,863,637
Total assets			780,622,664				757,845,532
Financial liabilities at fair value through profit or loss			10,286,282				10,720,231
Derivative financial liabilities			6,332,298				11,783,494
Deposits			442,086,824				435,687,897
Borrowings			69,921,065				68,077,012
Debentures			74,120,211				76,171,257
Insurance contract liabilities			58,839,867				55,863,701
Reinsurance contract liabilities			63,334				56,266
Provisions			919,400				927,632
Net defined benefit liabilities			97,076				100,187
Current income tax liabilities			477,380				530,720
Deferred income tax liabilities			1,750,181				1,682,292
Other liabilities			54,774,797				36,429,662
Total liabilities			719,668,715				698,030,351
Equity attributable to shareholders of the parent company			59,069,434				57,888,952
Share capital			2,090,558				2,090,558
Hybrid securities			5,162,483				5,082,578
Capital surplus			16,645,909				16,646,734
Accumulated other comprehensive income (loss)			(276,887	)			496,922
Retained earnings			36,688,909				34,808,220
Treasury shares			(1,241,538	)			(1,236,060	)
Non-controlling interests			1,884,515				1,926,229
Total equity			60,953,949				59,815,181
Total liabilities and equity			780,622,664				757,845,532
Number of companies included as a consolidated entity			356				347

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3.1.2. Consolidated Statements of Comprehensive Income

		(Unit: in millions of Won, except per share amounts)
		First Half of 2025								First Half of 2024
		Second Quarter				Cumulative				Second Quarter				Cumulative
Net interest income			3,106,526				6,368,691				3,226,353				6,396,238
Interest income			7,284,633				14,739,574				7,611,315				15,224,888
Interest income from financial instruments at fair value through other comprehensive income and amortized cost			6,922,324				14,005,120				7,243,831				14,472,708
Interest income from financial instruments at fair value through profit or loss			353,152				715,207				359,835				736,588
Insurance finance interest income			9,157				19,247				7,649				15,592
Interest expense			(4,178,107	)			(8,370,883	)			(4,384,962	)			(8,828,650	)
Interest expense			(3,804,895	)			(7,615,529	)			(4,012,831	)			(8,079,357	)
Insurance finance interest expense			(373,212	)			(755,354	)			(372,131	)			(749,293	)
Net fee and commission income			1,031,936				1,965,984				919,635				1,909,728
Fee and commission income			1,446,966				2,777,199				1,330,604				2,726,904
Fee and commission expense			(415,030	)			(811,215	)			(410,969	)			(817,176	)
Net insurance income			412,136				849,889				492,097				1,035,068
Insurance income			3,036,603				6,144,414				2,844,788				5,577,528
Insurance income			2,900,194				5,735,262				2,744,165				5,438,821
Reinsurance income			136,409				409,152				100,623				138,707
Insurance expense			(2,624,467	)			(5,294,525	)			(2,352,691	)			(4,542,460	)
Insurance service expense			(2,396,702	)			(4,860,901	)			(2,128,285	)			(4,103,868	)
Reinsurance expense			(227,765	)			(433,624	)			(224,406	)			(438,592	)
Net gains on financial assets/liabilities at fair value through profit or loss			1,566,145				2,112,363				321,577				570,710
Other insurance finance expenses			(273,721	)			(413,291	)			(224,347	)			(369,654	)
Net other operating expenses			(1,305,244	)			(1,791,668	)			(285,858	)			(690,568	)
General and administrative expenses			(1,749,696	)			(3,355,261	)			(1,593,891	)			(3,222,127	)
Operating income before provision for credit losses			2,788,082				5,736,707				2,855,566				5,629,395
Provision for credit losses			(655,111	)			(1,310,708	)			(552,818	)			(981,088	)
Net operating income			2,132,971				4,425,999				2,302,748				4,648,307
Net non-operating expenses			210,170				223,748				66,983				(880,981	)
Share of loss of associates and joint ventures			4,813				10,261				(694	)			(2,113	)
Net other non-operating expenses			205,357				213,487				67,677				(878,868	)
Profit before income tax expense			2,343,141				4,649,747				2,369,731				3,767,326
Income tax expense			(595,561	)			(1,203,045	)			(658,827	)			(1,000,359	)
Profit for the period			1,747,580				3,446,702				1,710,904				2,766,967
Other comprehensive income (loss) for the period, net of tax			123,435				(784,305	)			(711,804	)			(1,449,375	)
Items that will not be reclassified to profit or loss:
Remeasurements of net defined benefit liabilities			6,637				(790	)			2,756				11,751
Gains (losses) on equity securities at fair value through other comprehensive income			168,860				213,283				(230,369	)			(242,935	)
Fair value changes of financial liabilities designated at fair value through profit or loss due to own credit risk			(4,862	)			(10,707	)			(2,040	)			(10,883	)
Items that may be reclassified subsequently to profit or loss:
Currency translation differences			(337,087	)			(351,553	)			119,469				282,414
Gains (losses) on debt securities at fair value through other comprehensive income			(568,282	)			342,749				559,490				(97,737	)
Share of other comprehensive income (loss) of associates and joint ventures			(2,452	)			(2,328	)			56				(86	)
Gains (losses) on cash flow hedging instruments			(61,776	)			(30,275	)			5,615				(31,182	)
Gains (losses) on hedging instruments of net investments in foreign operations			123,470				126,994				(40,016	)			(91,219	)
Insurance finance income (expenses)			798,927				(1,071,678	)			(1,126,765	)			(1,269,498	)
Total comprehensive income for the period			1,871,015				2,662,397				999,100				1,317,592
Profit attributable to:
Shareholders of the parent company			1,738,422				3,435,693				1,732,449				2,774,431
Non-controlling interests			9,158				11,009				(21,545	)			(7,464	)
Total comprehensive income for the period attributable to:
Shareholders of the parent company			1,859,757				2,657,343				1,016,474				1,312,833
Non-controlling interests			11,258				5,054				(17,374	)			4,759
Earnings per share
Basic earnings per share (Won)			4,603				9,031				4,417				7,023
Diluted earnings per share (Won)			4,565				8,950				4,377				6,934

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3.2. Separate Financial Information

3.2.1. Separate Statements of Financial Position

						(Unit: in millions of Won)
		As of June 30, 2025				As of December 31, 2024
Cash and due from financial institutions			1,275,010				398,391
Financial assets at fair value through profit or loss			1,357,402				1,243,471
Loans measured at amortized cost			359,054				359,054
Investments in subsidiaries			26,867,817				26,867,817
Property and equipment			3,523				2,800
Intangible assets			13,524				14,497
Net defined benefit assets			2,076				2,902
Deferred income tax assets			2,566				5,257
Other assets			946,515				912,634
Total assets			30,827,487				29,806,823
Borrowings			200,000				965,000
Debentures			3,860,326				2,962,032
Current income tax liabilities			439,467				502,705
Other liabilities			515,740				388,528
Total liabilities			5,015,533				4,818,265
Share capital			2,090,558				2,090,558
Hybrid securities			5,162,273				5,082,359
Capital surplus			14,753,574				14,754,475
Accumulated other comprehensive loss			(8,291	)			(8,316	)
Retained earnings			5,055,378				4,305,542
Treasury Shares			(1,241,538	)			(1,236,060	)
Total equity			25,811,954				24,988,558
Total liabilities and equity			30,827,487				29,806,823

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3.2.2. Separate Statements of Comprehensive Income

		(Unit: in millions of Won, except per share amounts)
		First Half of 2025								First Half of 2024
		Second Quarter				Cumulative				Second Quarter				Cumulative
Net interest expense			(19,665	)			(42,829	)			(12,312	)			(26,037	)
Interest income			10,549				16,076				12,546				22,363
Interest income from financial instruments at amortized cost			9,533				14,218				11,845				20,960
Interest income from financial instruments at fair value through profit or loss			1,016				1,858				701				1,403
Interest expense			(30,214	)			(58,905	)			(24,858	)			(48,400	)
Net fee and commission expense			(1,553	)			(3,343	)			(2,424	)			(3,566	)
Fee and commission income			518				990				616				994
Fee and commission expense			(2,071	)			(4,333	)			(3,040	)			(4,560	)
Net gains (losses) on financial assets at fair value through profit or loss			22,461				47,912				27,755				43,334
Net other operating income			—				2,355,586				—				2,243,250
General and administrative expenses			(28,165	)			(50,333	)			(23,843	)			(48,030	)
Operating profit before provision for credit losses			(26,922	)			2,306,993				(10,824	)			2,208,951
Provision for credit losses			(7	)			(6	)			(249	)			(345	)
Operating profit (loss)			(26,929	)			2,306,987				(11,073	)			2,208,606
Net non-operating income (expense)			(174	)			(107	)			567				(79	)
Profit (loss) before income tax			(27,103	)			2,306,880				(10,506	)			2,208,527
Income tax income (expense)			809				(6,581	)			(2,054	)			1,532
Profit (loss) for the year			(26,294	)			2,300,299				(12,560	)			2,210,059
Other comprehensive income (loss) for the year, net of tax			36				25				(11	)			36
Items that will not be reclassified to profit or loss:
Remeasurements of net defined benefit liabilities			36				25				(11	)			36
Total comprehensive income for the year			(26,258	)			2,300,324				(12,571	)			2,210,095
Earnings per share
Basic earnings per share (Won)			(219	)			5,954				(171	)			5,541
Diluted earnings per share (Won)			(217	)			5,900				(169	)			5,470

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3.3. Other Selected Financial Data

3.3.1. Won-denominated Liquidity Ratio

		(Unit: in millions of Won, except percentages)
		As of June 30, 2025				As of December 31, 2024				As of December 31, 2023
Current assets in Won (A)			2,400,929				592,591				656,555
Current liabilities in Won (B)			655,643				383,862				255,693
Liquidity ratio (A/B)			366.19	%			154.38	%			256.77	%

Notes: (1) Based on K-IFRS (on a separate basis).

(2)  Calculated based on Won-denominated assets and liabilities due within one month.

3.3.2. Profitability Ratios

										(Unit: %)
		For the six months ended June 30, 2025				For the year ended December 31, 2024				For the year ended December 31, 2023
Net income as a percentage of average total assets (ROA)			0.90				0.68				0.64
Net income as a percentage of average shareholders’ equity (ROE)			11.86				8.87				8.32

Note: Based on K-IFRS (on a consolidated basis).

3.3.3. 20 Largest Exposures of Kookmin Bank by Borrower (As of June 30, 2025)

		(Unit: in billions of Won)
Company		Credit Extended
KB Kookmin Card Co., Ltd			1,357
Samsung Heavy Industries Co., Ltd.			1,264
E-MART Inc.			1,232
HD Hyundai Heavy Industries Co., Ltd.			1,201
SK shieldus Co., Ltd.			1,186
Samsung SDI Co., Ltd.			1,149
SK on Co., Ltd.			1,113
Samsung Electronics Co., Ltd.			1,000
Construction Guarantee			978
BANKOFCOMMUNICATION			963
Hanwha Solutions Corporation			958
LG Display Co., Ltd.			947
Strada Holdco L.P.			917
LS MnM Co., Ltd.			857
LOTTE CHEMICAL CORPORATION			804
SK Innovation Co., Ltd.			791
LG Energy Solution, Ltd.			784
Samsung Card Co., Ltd.			753
Shinhan Financial Group Co., Ltd.			719
Hyundai Samho Heavy Industries Co.,Ltd.			719
Total			19,693

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3.3.4. 10 Largest Exposures of Kookmin Bank by Chaebol Group (As of June 30, 2025)

		(Unit: in billions of Won)
Group		Credit Extended
Samsung			5,765
SK			5,338
Hanwha			4,414
Hyundai Motor			3,682
HD Hyundai			3,493
Lotte			3,439
LG			2,979
Shinsegae			1,752
GS			1,714
LS			1,470
Total			34,046

3.3.5. Kookmin Bank’s Loan Concentration by Industry (As of June 30, 2025)

		(Unit: in billions of Won, except percentages)
Industry		Total Credit				Percentage of Total Credit
Manufacturing			59,743				26.3
Construction			4,604				2.0
Real estate activities			60,206				26.5
Wholesale and retail trade			31,486				13.8
Accommodation and food service activities			11,725				5.2
Financial activities			9,920				4.4
Others			49,786				21.9
Total			227,469				100.0

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3.3.6. Top 20 Non-Performing Loans of Kookmin Bank (As of June 30, 2025)

				(Unit: in billions of Won)
Borrower		Industry		Total Credit				Allowance for Loan Losses
Borrower A		Real estate activities			192				118
Borrower B		Construction			37				36
Borrower C		Real estate activities			35				9
Borrower D		Manufacturing			16				5
Borrower E		Real estate activities			15				5
Borrower F		Real estate activities			15				1
Borrower G		Wholesale and retail trade			15				12
Borrower H		Wholesale and retail trade			12				12
Borrower I		Real estate activities			11				2
Borrower J		Human health and social work activities			10				5
Borrower K		Construction			10				10
Borrower L		Manufacturing			10				5
Borrower M		Construction			10				10
Borrower N		Manufacturing			9				9
Borrower O		Construction			9				0
Borrower P		Construction			8				4
Borrower Q		Manufacturing			7				5
Borrower R		Manufacturing			7				2
Borrower S		Information and communications			7				1
Borrower T		Wholesale and retail trade			7				4
—		—			442				254

3.4. Other Financial Information

See Exhibits 99.1 and 99.2 attached hereto for our consolidated and separate financial statements and relevant notes, which have been prepared in accordance with K-IFRS and reviewed by our independent auditors as stated in their review reports included therein. The review reports will also be available on our website at www.kbfg.com.

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4. Independent Public Accountants

4.1. Audit / Review Services

(Unit: in millions of Won, hours)

Auditor

Activity

Agreed Per Contract

Actual

Period

Compensation

Estimated Hours

Compensation

Accrued Hours

January 1 to June 30, 2025

Samil PricewaterhouseCoopers

Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting)

1,333

11,600

713

2,860

January 1 to December 31, 2024

Samil PricewaterhouseCoopers

Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting)

1,296

10,970

1,296

10,136

January 1 to December 31, 2023

Samil PricewaterhouseCoopers

Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting)

1,264

11,675

1,264

11,309

4.2. Public Company Accounting Oversight Board (“PCAOB”) Audit Services

								(Unit: in millions of Won)
Period		Auditor		Activity		Service Period		Compensation
January 1 to June 30, 2025		Samil Pricewaterhouse Coopers		PCAOB audit of consolidated financial statements and internal control over financial reporting		May 1, 2025 to April 30, 2026			827
January 1 to December 31, 2024		Samil Pricewaterhouse Coopers		PCAOB audit of consolidated financial statements and internal control over financial reporting		May 1, 2024 to April 30, 2025			804
January 1 to December 31, 2023		Samil Pricewaterhouse Coopers		PCAOB audit of consolidated financial statements and internal control over financial reporting		May 1, 2023 to April 30, 2024			784

4.3. Change in Auditor

Pursuant to the Act on External Audit of Stock Companies and the related regulations thereunder, the Securities and Futures Commission under the Financial Services Commission had designated KPMG Samjong Accounting Corp. as the external auditor for the Company for the fiscal years ended December 31, 2020, 2021 and 2022. Following the end of KPMG Samjong Accounting Corp.’s designated period as the Company’s external auditor, the Company selected Samil PricewaterhouseCoopers to be its new external auditor for the fiscal years ending December 31, 2023, 2024 and 2025, in accordance with the criteria and processes set forth by relevant laws and regulations. Accordingly, the external auditor for the Company and its subsidiaries for the fiscal year ending December 31, 2025 continues to be Samil PricewaterhouseCoopers.

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5. Corporate Governance and Affiliated Companies

5.1. Board of Directors & Committees under the Board

As of June 30, 2025, our board of directors consisted of nine directors, comprising one executive director, one non-standing director and seven non-executive directors. The following committees currently serve under our board of directors:

• Audit Committee;

• Risk Management Committee;

• Evaluation and Compensation Committee;

• ESG Committee;

• Internal Control Committee;

• Non-Executive Director Nominating Committee;

• Chairman Nominating Committee;

• Subsidiaries’ Representative Director Nominating Committee; and

• Audit Committee Member Nominating Committee (ad hoc committee).

For the list of our directors, see 6. Directors, Senior Management and Employees — 6.1. Executive Directors, — 6.2. Non-standing Directors and — 6.3. Non-executive Directors below.

5.2. Audit Committee

The Audit Committee oversees our financial reporting and approves the appointment of our independent auditors and internal compliance officers. The committee also reviews our financial information, auditor’s examinations, key financial statement issues, the plans and evaluation of internal controls and the administration of our financial affairs by the board of directors. In connection with the general meetings of shareholders, the committee examines the agenda for, and financial statements and other reports to be submitted by, the board of directors to each general meeting of shareholders. The committee holds regular meetings every quarter and on an as-needed basis.

The following table shows a list of audit committee requirements under Articles 415-2 and 542-11 of the Commercial Act and how we fulfill each requirement as of June 30, 2025.

The Commercial Act Requirements		KB Financial Group
The Audit Committee must consist of three or more directors.		We have four Audit Committee members.
At least two-thirds of the Audit Committee members must be non-executive directors.		All four Audit Committee members, including the chairman of the committee, are non-executive directors.
The chairman of the Audit Committee must be a non-executive director.
At least one Audit Committee member must be an accounting or financial expert.		Two Audit Committee members (Whajoon Cho, Sun Yeop Kim) are accounting or financial experts.

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5.3. Compensation to Directors

5.3.1. Total Amount of Compensation Approved at the Annual General Meeting of Shareholders

(Unit: in millions of Won)

Total number of persons

Total compensation approved at shareholders’ meeting

Notes

Registered Directors (Non-executive directors)

9 (7)

3,000

—

5.3.2. Total Amount of Compensation Paid

(As of June 30, 2025)		(Unit: in millions of Won)
Total number of persons(1)		Total payment(2)(3)				Average payment per person(4)				Notes
9			999				117				—

Notes:  (1) Represents the total number of applicable persons as of June 30, 2025.

  (2) Represents the total amount paid (rounded to the nearest million) for the six months ended June 30, 2025.

  (3) Total payment amount in accordance with the Company’s internal policies on compensation to directors.

  (4) Represents (i) the total amount paid (rounded to the nearest million) for the six months ended June 30, 2025, divided by (ii) the number of applicable persons for the applicable reporting period.

5.3.3. Compensation Breakdown

(As of June 30, 2025)										(Unit: in millions of Won)
		Total number of persons				Total payment				Average payment per person				Notes
Registered Directors (excluding non-executive directors and Audit Committee members)			2				650				423				—
Non-executive Directors (excluding Audit Committee members)			3				148				49				—
Audit Committee members			4				202				50				—
Internal Auditor			—				—				—				—

5.4. Top 5 Highest-Paid Individuals

5.4.1 Compensation exceeding Won 500 million – Individual basis

(As of June 30, 2025)						(Unit: in millions of Won)
Name		Position		Total Amount		Deferred Compensation
Jong Hee Yang		Chairman & CEO		650		- Deferred short-term performance-based payment, the amount of which corresponds to a total of 6,521 shares and deferred long-term performance-based payment, the amount of which corresponds to a total of 3,945 shares. —Long-term performance-based payment (18,516 shares per year), the amount of which will be finalized at a future date pursuant to a performance evaluation over a three-year period from November 21, 2023 to November 20, 2026.
Bong Joong Kwon		Senior Managing Director and Head of the IR Division		621		- Deferred short-term performance-based payment, the amount of which corresponds to a total of 3,162 shares and deferred long-term performance-based payment, the amount of which corresponds to a total of 5,528 shares.

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5.4.2 Calculation criteria and method of compensation

Name		Compensation Type				Total Compensation (in millions of Won)		Calculation Criteria and Method
Jong Hee Yang		Earned income		Salary		450		- A monthly salary was paid in even installments each month in accordance with the amount of annual salary determined through a resolution of the Evaluation and Compensation Committee within the limit of the total amount of compensation approved at the shareholders’ meeting. (including allowances for business expenses of Won 200 million.)
				Bonus		200		- The bonus paid in 2025 consisted of Won 200 million in short-term performance-based compensation - The short-term performance-based compensation consisted of Won 200 million paid as an upfront lump sum payment for 2024 - The short-term performance evaluation index for the period after his appointment as the Chairman and CEO consisted of quantitative indicators (including ROE, total operating income, net profit from non-banking businesses, comprehensive NPL ratio, Tier 1 ratio, RORWA, and C/I ratio), as well as non-quantitative results (such as improving the core competitiveness of the Group, enhancing its core businesses, expanding new growth drivers, innovating both physical and digital channels, advancing the Group’s operating model through technology and human capital, and strengthening customer value creation and the foundation for sustainable growth). The amount of the short-term incentive payment is determined by the Evaluation and Compensation Committee based on the aggregate score of the index items above and is within the range of 0%-100% of base salary. - With respect to the quantitative indicators, the Group’s net profit for 2024 was Won 5,078.2 billion, primarily due to well-managed asset qualities and cost efficiencies. Such results, among others, were considered to be major achievements that were reflected in the performance evaluation. - With respect to the non-quantitative results, the key achievements that were considered included the shareholder return policy that led the value-up initiative in the financial industry, the stabilization of global operations, the expansion of the Group’s digital platform and the attainment of a differentiated ESG impact.
				Stock options		—		- Not applicable
				Other earned income		—		- Not applicable
		Retirement income				—		- Not applicable
		Other income				—		- Not applicable

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Name		Compensation Type				Total Compensation (in millions of Won)		Calculation Criteria and Method
Bong Joong Kwon		Earned income		Salary		115		- A monthly salary was paid in even installments each month in accordance with the amount of annual salary determined based on his position and responsibilities pursuant to our internal policy regarding executive officers.
				Bonus		489		- The bonus paid in 2025 consisted of Won 115 million in short-term performance-based compensation and Won 374 million in long-term performance-based compensation. - The short-term performance-based compensation consisted of Won 115 million paid as an upfront lump sum payment for 2024 - The short-term performance evaluation criteria for 2024 consisted of qualitative indicators linked to key management objectives in his role as Head of Investor Relations, which were comprehensively reviewed by the Evaluation and Compensation Committee. The amount of the short-term incentive payment was determined within a range of 0%-120% of the base salary. - Key achievements considered for 2024 included executing market-friendly IR and shareholder meeting processes, enhancing market confidence through accurate and transparent disclosures, improving external credit ratings management and supporting management decision-making through timely market feedback. - The long-term performance-based compensation consisted of Won 374million (4,289 shares) paid as an upfront lump sum payment for the period between 2023 and 2024. - The long-term performance evaluation criteria consisted of relative total shareholder return (relative TSR), the Group’s performance, and individual performance results. The amount of the long-term incentive payment was determined based on the achievement level of each indicator and was within a range of 0%-100% of the base salary. - With respect to the long-term performance evaluation, the relative total shareholder return was calculated based on changes in the Group’s share price relative to the average share price of its competitors during the evaluation period, while the Group’s performance and individual performance results were determined based on the arithmetic average of annual performance evaluations.
				Stock options				- Not applicable
				Other earned income		17		- Other employee benefits
		Retirement income						- Not applicable
		Other income						- Not applicable

5.5. Stock-based Compensation

5.5.1. Stock-Linked Cash Compensation (Phantom Stock)

Pursuant to the Group’s director compensation regulations and executive officer management regulations, the Evaluation and Compensation Committee determines various aspects of the performance evaluation and compensation of the Group’s management, and establishes and evaluates the performance evaluation and compensation criteria for management on an annual basis through its committee resolutions. The short-term performance bonuses (annual evaluation) and long-term performance bonuses (multi-year cumulative evaluation) that were determined on the basis of such evaluation results are paid and operated in the form of cash compensation and stock compensation (performance-linked shares, restricted stock).

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A portion (40 to 60%) of the short-term bonus is paid in cash immediately, while the remaining portion (60 to 40%) is converted to restricted stocks and paid on a deferred basis. The long-term bonus is granted as performance-linked shares based on a cumulative evaluation covering two years of performance (three years for the CEO). A portion of such performance-linked shares is paid in cash in an amount corresponding to the stock value, while the remaining portion is converted to restricted stocks and paid on a deferred basis, similar to the short-term performance bonuses. The deferred portions of the short-term and long-term performance bonuses are paid in cash, reflecting the stock price (fair market value) at the time of the deferred payment.

5.5.2. Changes in the Amounts of Stock-based Compensation

5.5.2.1 Long-Term Performance Compensation

										(Unit: Number of shares, except number of recipients)
		For the six months ended June 30, 2025				For the year ended December 31, 2024				For the year ended December 31, 2023				For the year ended December 31, 2022
Number of Recipients(1)(2)			12				13				11				13
Number of Performance-Linked Shares Granted(2)(3)			40,267				73,213				97,995				58,317
Number of Performance-Linked Shares Paid During the Period (a+b)(4)			41,877				69,947				136,045				36,471
a. Number of Shares for Stock-Linked Cash Compensation			20,406				33,431				63,934				18,234
b. Number of Shares Converted to Restricted Stocks to be Paid on a Deferred Basis			21,471				36,516				72,111				18,237
Evaluation Adjustment			(684	)			(4,146	)			(839	)			(1,003	)
Cumulative Number of Performance-Linked Shares Paid (Sum of Stock-Linked Cash Compensation and Restricted Stock Conversion)(5)			247,869				242,463				216,889				169,382
Number of Unpaid Performance-Linked Shares(3)(6)			145,299				147,593				148,473				187,362

Notes:  (1) Based on the beneficiaries reported to the tax office pursuant to Article 20 of the Income Tax Act of Korea.

  (2) Based on the number of individuals who entered into stock-based compensation agreements each year and the number of shares scheduled to be granted according to such agreements.

  (3) Adjusted based on the period of employment during the performance-linked share grant period.

  (4) Represents the final number of shares determined after adjustments based on evaluation results. According to the Act on the Corporate Governance of Financial Companies, a portion (40 to 60%) is paid as stock-linked cash compensation applying the stock price (fair market value) at the end of the evaluation period, while the remainder (60 to 40%) is converted to restricted stocks and paid on a deferred basis for one year from the end of the evaluation period or one year after retirement, and then paid over three years applying the stock price (fair market value) at the time of each deferred payment.

  (5) Represents the cumulative number of shares paid up to the record date of disclosure during the reporting period.

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  (6) Represents the number of shares granted at the end of the year minus the actual number of shares paid.

5.5.2.2. Restricted Stock

										(Unit: Number of shares, except number of recipients)
		For the six months ended June 30, 2025				For the year ended December 31, 2024				For the year ended December 31, 2023				For the year ended December 31, 2022
Number of Payment Recipients			21				26				23				15
Number of Shares Confirmed for Deferral(1)			43,076				64,997				113,124				46,557
Number of Shares Paid(1)			60,626				73,878				66,512				58,434
Cumulative Number of Shares Paid(3)			201,016				198,824				188,802				187,020
Number of Unpaid Shares(1)			144,203				161,753				170,634				124,022

Notes:  (1) Based on the number of restricted stocks confirmed based on the period of employment and the resolutions of the Evaluation and Compensation Committee.

  (2) Restricted stock is paid in cash reflecting the stock price (fair market value) at the time of each deferred payment, after one year from the end of the evaluation period or one year after retirement, over three years.

  (3) Represents the cumulative number of shares paid up to the record date of disclosure during the reporting period.

5.6. Affiliated Companies

5.6.1. List of Affiliated Companies

Affiliated companies of KB Financial Group that are first-tier subsidiaries and KB Financial Group’s ownership of such companies as of June 30, 2025 are as follows.

1) Kookmin Bank (100.00%)

2) KB Securities Co., Ltd. (100.00%)

3) KB Insurance Co., Ltd. (100.00%)

4) KB Kookmin Card Co., Ltd. (100.00%)

5) KB Life Insurance Co., Ltd. (100.00%)

6) KB Asset Management Co., Ltd. (100.00%)

7) KB Capital Co., Ltd. (100.00%)

8) KB Real Estate Trust Co., Ltd. (100.00%)

9) KB Savings Bank Co., Ltd. (100.00%)

10) KB Investment Co., Ltd. (100.00%)

11) KB Data Systems Co., Ltd. (100.00%)

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6. Directors, Senior Management and Employees

6.1. Executive Directors

As of June 30, 2025, we had one executive director. The name, position and the end of the term of our executive director and the number of shares of our common stock he owned as of June 30, 2025 are set forth below.

Name

Date of Birth

Position

Common Shares Owned

End of Term

Jong Hee Yang

June 1961

Chairman & Chief Executive Officer

5,914

November 20, 2026

6.2. Non-standing Directors

As of June 30, 2025, we had one non-standing director. The name, position and the end of the term of our non-standing director and the number of shares of our common stock he owned as of June 30, 2025 are set forth below.

Name

Date of Birth

Position

Common Shares Owned

End of Term(1)

Hwan Ju Lee

October 1964

Non-standing Director

4,131

March 25, 2027

Note:  (1) The date designated as Mr. Hwan Ju Lee’s end of term is the date of the annual general meeting of shareholders for fiscal year 2026, which is expected be held in March 2027.

6.3. Non-executive Directors

As of June 30, 2025, we had seven non-executive directors. The name, position and the end of the term of our non-executive directors and the number of shares of our common stock they respectively owned as of June 30, 2025 were as follows.

Name		Date of Birth		Position		Common Shares Owned				End of Term
Whajoon Cho		February 1957		Non-executive Director			—			March 25, 2026
Jungsung Yeo		April 1960		Non-executive Director			—			March 25, 2026
Jaehong Choi		August 1962		Non-executive Director			—			March 25, 2026
Eun Young Chah		October 1962		Non-executive Director			—			March 25, 2027
Myong-Hwal Lee		May 1964		Non-executive Director			—			March 21, 2026
Sung—Yong Kim		March 1966		Non-executive Director			—			March 25, 2026
Sun Yeop Kim		November 1969		Non-executive Director			—			March 25, 2027

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6.4. Senior Management

Members of our senior management as of June 30, 2025 are as follows.

Name

Date of Birth

Position

Common Shares Owned(1)

End of Term

Jae Keun Lee

May 1966

Senior Executive Vice President and Chief Business Officer of Global

2,119

December 31, 2025

Chang Kwon Lee

November 1965

Senior Executive Vice President and Chief Digital Officer and Chief IT Officer

3,010

December 31, 2025

Dae Hwan Lim

November 1965

Executive Vice President and Chief Compliance Officer

2,334

December 31, 2025

Young June Park

November 1969

Senior Managing Director and Chief Strategy Officer

845

December 31, 2025

Bong Joong Kwon

November 1969

Senior Managing Director and Head of the IR Division

3,363

December 31, 2025

Hong Sun Yum

February 1971

Senior Managing Director and Chief Risk Management Officer

1,144

December 31, 2026

Hyo Ik Park

January 1970

Senior Managing Director and Chief Business Officer of Insurance

1,448

December 31, 2025

Shin Dong Jeung

January 1966

Senior Managing Director and Head of KB Research

1,056

December 31, 2025

Dae Hyun Cha

January 1966

Senior Managing Director and Chief Officer of Audit Department

2,266

December 31, 2025

Young Gi Seo

August 1965

Senior Managing Director and Vice Head of KB Research

—

December 31, 2026

Keoung Nam Kim

August 1967

Managing Director and Head of the ESG Division

2,569

December 31, 2025

Sang Rok Na

August 1972

Managing Director and Chief Financial Officer

1,373

December 31, 2025

Hyo Sung Jeon

March 1971

Managing Director and Chief Human Resources Officer

2,073

December 31, 2025

Jin Young Park

September 1972

Chief Public Relation Officer

2,625

December 31, 2025

Young Sei Park

January 1968

Chief Consumer Protection Officer

2,087

December 31, 2025

Young Suh Cho

February 1971

Head of the AI • Digital Division

2,000

December 31, 2025

Sang Won Oh

December 1967

Head of the IT Division

1,270

December 31, 2025

Byoung Jip Kim

April 1980

Head of the Financial AI Center 1

—

December 31, 2025

Kyeong Jong Lee

February 1978

Head of the Financial AI Center 2

—

December 31, 2025

Hyun Jung Lee

March 1977

Head of the Customer Experience Design Center

415

December 31, 2025

Byoung Ha Choi

September 1972

Head of the Group Architecture Center

548

December 31, 2025

Joo Hyun Kim

November 1970

Head of the Group Cloud Center

357

December 31, 2025

Myoung Hwa Park

December 1969

Head of the Planning & Coordination Department

837

December 31, 2025

Note:  (1) The numbers of common shares owned are as of June 30, 2025 and includes those owned in the holder’s name under the employee stock ownership association’s account, and may differ from the number of shares owned as reported pursuant to Article 173 of the Financial Investment Services and Capital Markets Act.

As of June 30, 2025, the following management also served as senior management at our subsidiaries.

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Name		Subsidiary		Position		Appointment Date
Hwan Ju Lee		Kookmin Bank		Chief Executive Officer		January 2025
Keoung Nam Kim		Kookmin Bank		Managing Director, ESG Division		January 2025
Jin Young Park		Kookmin Bank		Managing Director, Brand & PR Group		January 2024
Young Sei Park		Kookmin Bank		Senior Executive Vice President, Consumer Protection Group		January 2025
Young Suh Cho		Kookmin Bank		Senior Executive Vice President, AI/Data Innovation Division		January 2025
Sang Won Oh		Kookmin Bank		Senior Executive Vice President, Tech Development Group		January 2024
Byoung Jip Kim		Kookmin Bank		Managing Director, Head of the Financial AI Center 1		January 2025
Kyeong Jong Lee		Kookmin Bank		Managing Director, Head of the Financial AI Center 2		January 2025
Hyun Jung Lee		Kookmin Bank		Head of the Customer Experience Design Center		January 2025
Byoung Ha Choi		Kookmin Bank		Head of the Tech Development Division		January 2025
Joo Hyun Kim		Kookmin Bank		Head of the Cloud Platform Department		February 2022
Myoung Hwa Park		Kookmin Bank		Head of the Planning & Coordination Department		January 2025
Young June Park		KB Securities		Non-standing Director		February 2025
Sang Rock Na		KB Insurance		Non-standing Director		February 2025
Hyo Sung Jeon		KB Kookmin Card		Non-standing Director		March 2025
Bong Joong Kwon		KB Life Insurance		Non-standing Director		March 2025
Hyo Ik Park		KB Asset Management		Non-standing Director		March 2025

6.5. Employees

The following table shows information regarding our employees and compensation paid to them as of June 30, 2025.

										(Unit: in millions of Won)
Number of Employees(1)		Average Tenure of Employees(2)				Total Amount of Compensation(3)				Average Compensation per Person(4)
142			3 years and 4months (16 years and 11months	)			17,463	(5)			124	(5)

Notes: (1)  Includes all employees as of June 30, 2025, including executive officers.

(2) The duration in parentheses includes tenure at our subsidiaries.

(3) Based on the sum of all compensation paid from January 1, 2025 to June 30, 2025.

(4) Based on the sum of the average monthly compensation of each month from January 1, 2025 to June 30, 2025, which is computed by dividing the sum of all compensation paid each month by the number of employees (including executive officers) at the end of each month.

(5) The total amount of compensation paid from January 1, 2025 to June 30, 2025 includes special bonuses for the fiscal year 2024. Excluding such special bonuses, the average compensation per employee amounts to Won 105 million.

The following table shows information regarding our executive officers and compensation paid to them as of June 30, 2025.

						(Unit: in millions of Won)
Number of Executive Officers(A)(1)		Total Amount of Annual Salaries(B)(2)				Average Annual Salary per Person(B/A)(2)
13			4,586				376

Note: (1)  Excludes 10 executive officers who served primarily as executive officers at our subsidiaries.

(2) The calculation basis for the total amount of annual salaries and the average annual salary per person is the same as that for employees, in the table above.

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7. Major Shareholders and Related Party Transactions

7.1. Major Shareholders

The following table presents information regarding holders of 5% or more of our total issued shares based on our shareholder registry as of June 30, 2025, unless specified otherwise.

						(Unit: shares, %)
Name		Number of Shares of Common Stock				Percentage of Total Issued Shares(1)
Korean National Pension Service			33,064,648				8.40
The Capital Group Companies,Inc.(2)			31,763,237				8.07
JP Morgan Chase Bank, N.A.(3)			20,521,031				5.21
BlackRock Fund Advisors(4)			25,050,939				6.02

Notes: (1)  Based on 393,528,423 shares of our common stock issued as of May 12, 2025.

(2) The above number of shares and the percentage of total issued shares held by The Capital Group Companies, Inc. are as of December 31, 2024 and are based on disclosure made by The Capital Group Companies, Inc. in a statement of acquisition filing on January 13, 2025.

(3) Depositary under the Company’s ADR program. The voting rights are held by ADR holders.

(4) The above number of shares and the percentage of total issued shares held by BlackRock Fund Advisors are based on the disclosure made by BlackRock Fund Advisors in a statement of acquisition filing on March 10, 2021.

7.2. Changes in the Largest Shareholder

										(Unit: shares, %)
Name of Largest Shareholder		Date of Change in Largest Shareholder/ Date of Change in Number of Shares Owned				Number of Shares of Common Stock(1)				Percentage of Total Issued Shares(2)
Korean National Pension Service			December 31, 2019				41,468,003				9.97
Korean National Pension Service			February 1, 2020				41,462,588	(3)			9.97
Korean National Pension Service			October 12, 2020				41,402,150				9.96
Korean National Pension Service			December 31, 2020				41,287,280				9.93
Korean National Pension Service			June 30, 2021				40,626,942				9.77
Korean National Pension Service			December 31, 2021				37,626,516				9.05
Korean National Pension Service			January 27, 2022				37,188,199	(4)			8.94
Korean National Pension Service			March 31, 2022				36,008,504				8.73
Korean National Pension Service			June 30, 2022				33,830,623				8.20
Korean National Pension Service			September 30, 2022				32,594,691				7.97
Korean National Pension Service			October 12, 2022				32,457,827	(5)			7.94
Korean National Pension Service			December 31, 2022				32,499,151				7.95
Korean National Pension Service			March 31, 2023				33,572,593				8.21
Korean National Pension Service			June 30, 2023				33,183,590				8.22
Korean National Pension Service			September 30, 2023				35,321,767				8.75
Korean National Pension Service			October 6, 2023				35,273,578				8.74
Korean National Pension Service			December 31, 2023				33,473,917				8.30
Korean National Pension Service			February 29, 2024				33,704,092				8.35
Korean National Pension Service			March 31, 2024				33,200,471				8.23
Korean National Pension Service			June 30, 2024				33,326,122				8.26
Korean National Pension Service			September 30, 2024				32,308,082				8.21
Korean National Pension Service			December 31, 2024				33,095,691				8.41
Korean National Pension Service			March 31, 2025				32,919,773				8.37
Korean National Pension Service			June 30, 2025				33,064,648				8.40

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Notes: (1)  Based on our shareholder registry as of the end of each applicable year unless specified otherwise.

(2) Total number of shares of common stock issued as of the following dates:

From October 19, 2016 to December 12, 2019: 418,111,537

From December 12, 2019 to February 14, 2022: 415,807,920

From February 14, 2022 to August 1, 2022: 412,352,494

From August 1, 2022 to April 4, 2023: 408,897,068

From April 4, 2023 to August 14, 2024: 403,511,072

From August 14,2024 to May 15, 2025: 393,528,423

After May 15, 2025: 381,462,103(However, the number of shares and the shareholding ratio of the National Pension Service as of June 30, 2025 are based on the shareholder registry as of May 12, 2025, or 393,528,423 shares.)

(3) Based on disclosure made by the Korean National Pension Service in a statement of acquisition filing on February 7, 2020.

(4) Based on disclosure made by the Korean National Pension Service in a statement of disposal filing on February 4, 2022.

(5) Based on disclosure made by the Korean National Pension Service in a statement of disposal filing on November 2, 2022.

7.3. Employee Stock Ownership Association (As of June 30, 2025)

		(Unit: shares)
Company Name		Number of Shares of Common Stock Owned
KB Financial Group Inc.			80,413
Kookmin Bank			7,403,924
KB Securities Co., Ltd.			71,328
KB Insurance Co., Ltd.			786,674
KB Kookmin Card Co., Ltd.			684,109
KB Life Insurance Co., Ltd.			21,986
KB Asset Management Co., Ltd.			17,440
KB Capital Co., Ltd.			140,681
KB Real Estate Trust Co., Ltd.			22,966
KB Savings Bank Co., Ltd.			16,900
KB Investment Co., Ltd.			3,846
KB Data Systems Co., Ltd.			60,973
KB Credit Information			11,758
KB Fund Partners Co., Ltd.			23,978
Others(1)			29,367
Total			9,376,343

Note: (1)  Shares of common stock attributable to an account owned by the employee stock ownership association of KB Financial Group.

7.4. Investments in Affiliated Companies

(As of June 30, 2025)														(Units: shares, %, millions of Won)
Company Name		Ending Balance												Total assets as of the latest fiscal year				Net income(loss) for the latest fiscal year
			Number of shares owned				Ownership				Book value
Kookmin Bank			404,379,116				100				14,821,721				574,607				2,188
KB Securities Co., Ltd.			298,620,424				100				3,342,391				71,121				339
KB Insurance Co., Ltd.			66,500,000				100				2,375,430				42,709				558
KB Kookmin Card Co., Ltd.			92,000,000				100				1,953,175				29,363				181
KB Life Insurance Co., Ltd. (Formerly, Prudential Life Insurance)			16,201,518				100				2,795,367				35,770				116
KB Asset Management Co., Ltd.			7,667,550				100				96,312				444				72
KB Capital Co., Ltd.			32,175,147				100				873,811				18,035				124
KB Real Estate Trust Co., Ltd.			21,616,085				100				271,553				1,156				(22	)
KB Savings Bank Co., Ltd.			8,001,912				100				176,813				2,356				1
KB Investment Co., Ltd.			22,525,328				100				154,910				1,497				3
KB Data Systems Co., Ltd.			800,000				100				6,334				69				5
Total			—				—				26,867,817				—				—

Note: (1)  Based on each affiliate’s financial statements prepared in accordance with K-IFRS; amounts for the latest fiscal year are presented in units of billions of Won.

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7.5. Related Party Transactions

7.5.1. Purchase of capital securities issued by KB Securities Co., Ltd.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Securities Co., Ltd.

Subsidiary

No. 1 Private Placement of Capital Securities in Won

200

March 31, 2022

4.300

%

March 31, 2052 (may be extended)

Working capital

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Securities Co., Ltd.

Subsidiary

No. 3 Private Placement of Capital Securities in Won

230

September 30, 2022

5.500

%

September 30, 2052 (may be extended)

Working capital

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Securities Co., Ltd.

Subsidiary

No. 4 Private Placement of Capital Securities in Won

100

May 8, 2023

5.350

%

May 8, 2053 (may be extended)

Working capital

7.5.2. Purchase of capital securities issued by KB Capital Co., Ltd.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd.

Subsidiary

No. 299 Private Placement of Capital Securities in Won

50

March 27, 2015

7.840

%(1)

March 27, 2045 (may be extended)

Working capital

Note: (1) The interest rate has increased from its initial rate due to the non-exercise of the call option.

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(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd..

Subsidiary

No. 320 Private Placement of Capital Securities in Won

50

September 24, 2015

5.989

%(1)

September 24, 2045 (may be extended)

Working capital

Note: (1) The interest rate has increased from its initial rate due to the non-exercise of the call option.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd.

Subsidiary

No. 343 Private Placement of Capital Securities in Won

50

March 29, 2016

6.305

%(1)

March 29, 2046 (may be extended)

Working capital

Note: (1) The interest rate has increased from its initial rate due to the non-exercise of the call option.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd.

Subsidiary

No. 352 Private Placement of Capital Securities in Won

50

June 28, 2016

6.466

%(1)

June 28, 2046 (may be extended)

Working capital

Note: (1) The interest rate has increased from its initial rate due to the non-exercise of the call option.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd.

Subsidiary

No. 367 Private Placement of Capital Securities in Won

50

November 28, 2016

6.952

%(1)

November 28, 2046 (may be extended)

Working capital

Note: (1) The interest rate has increased from its initial rate due to the non-exercise of the call option.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd.

Subsidiary

No. 378 Private Placement of Capital Securities in Won

50

April 27, 2017

7.664

%(1)

April 27, 2047 (may be extended)

Working capital

Note: (1) The interest rate has increased from its initial rate due to the non-exercise of the call option.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd.

Subsidiary

No. 460 Private Placement of Capital Securities in Won

100

September 25, 2020

3.376

%

September 25, 2050 (may be extended)

Working capital

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(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Capital Co., Ltd.

Subsidiary

No. 486 Private Placement of Capital Securities in Won

100

February 17, 2022

4.495

%

February 17, 2052 (may be extended)

Working capital

7.5.3. Purchase of capital securities issued by KB Real Estate Trust Co., Ltd.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Real Estate Trust Co., Ltd.

Subsidiary

No. 1 Private Placement of Capital Securities in Won

150

June 27, 2025

7.800

%

June 27, 2054 (may be extended)

Working capital

7.5.4. Purchase of subordinated bonds issued by KB Savings Bank Co., Ltd.

(Unit: in billions of Won)

Issuer

Relationship

Type

Issue Amount

Issue Date

Interest Rate

Maturity Date

Use of Proceeds

KB Savings Bank Co., Ltd.

Subsidiary

No. 1 Subordinated Bonds in Won

70

June 25, 2021

1.600

%

June 25, 2031

Working capital

7.5.5. Prepayments and Loans to Subsidiaries

(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

10

10

July 14, 2017

2.653%

July 12, 2025

Note: (1) Unsecured credit loans

(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

40

40

July 13, 2018

2.653%

July 12, 2025

Note: (1) Unsecured credit loans

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(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

70

70

March 8, 2019

3.165%

March 6, 2025

Note: (1) Unsecured credit loans

(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

30

30

March 9, 2020

3.165%

March 6, 2025

Note: (1) Unsecured credit loans

(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

30

30

July 13, 2020

2.653%

July 12, 2025

Note: (1) Unsecured credit loans

(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

70

70

December 20, 2021

2.858%

December 19, 2025

Note: (1) Unsecured credit loans

(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

60

60

July 13, 2022

2.653%

July 12, 2025

Note: (1) Unsecured credit loans

(Unit: in billions of Won)

Name

Relationship

Account

Loan Amount

Current Balance

Credit Offering Date

Interest Rate

Maturity Date

KB Investment Co., Ltd.

Subsidiary

Loans(1)

50

50

July 13, 2023

2.653%

July 12, 2025

Note: (1) Unsecured credit loans

Table of Contents

8. Internal Controls

8.1. Management’s Assessment of the Effectiveness of the Internal Accounting Management System

Period		Date of Report		Assessment		Material Deficiencies		Corrective Action Plans
January 1 to December 31, 2025		—		—		—		—
January 1 to December 31, 2024		March 4, 2025 (Audit Committee) March 4, 2025 (Board of Directors) March 26, 2025 (General Meeting of Shareholders)		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—
January 1 to December 31, 2023		March 5, 2024 (Audit Committee) March 5, 2024 (Board of Directors) March 22, 2024 (General Meeting of Shareholders)		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—

8.2. Audit Committee’s Assessment of the Effectiveness of the Internal Accounting Management System

Period		Date of Report		Assessment		Material Deficiencies		Corrective Action Plans
January 1 to December 31, 2025		—		—		—		—
January 1 to December 31, 2024		March 4, 2025		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—
January 1 to December 31, 2023		March 5, 2024		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—

8.3. External Auditor’s Audit Opinion (Review Report) on the Effectiveness of the Internal Accounting Management System

Period		Auditor		Audit or Review		Opinion Type		Issues		Company’s Response Actions
January 1 to December 31, 2025		—		—		—		—		—
January 1 to December 31, 2024		Samil PricewaterhouseCoopers		Audit		Unqualified		—		—
January 1 to December 31, 2023		Samil PricewaterhouseCoopers		Audit		Unqualified		—		—

Table of Contents

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

				KB Financial Group Inc.
				(Registrant)
Date: August 14, 2025				By:		/s/ Bong Joong Kwon
				(Signature)
				Name:		Bong Joong Kwon
				Title:		Senior Managing Director and Head of IR Division

FAQ

What were KB Financial Group's consolidated net income and EPS for H1 2025 (KB)?

Consolidated net income for January 1–June 30, 2025 was 3,435,693 million Won and consolidated basic earnings per share were 9,031 Won.

What capital and liquidity metrics did KB report for June 30, 2025 (KB)?

As of June 30, 2025 consolidated total capital was 57,957 billion Won with a BIS ratio of 16.36% (preliminary).

What dividend and buyback actions did KB disclose for 2025 (KB)?

KB reported total cash dividends of 669,358 million Won in H1 2025 (cash dividend per common share 1,832 Won) and the board resolved on July 24, 2025 to acquire and cancel 660 billion Won of treasury shares (5,724,197 shares).

Did KB report higher credit provisions in H1 2025 (KB)?

Yes. Provision for credit losses in H1 2025 was 1,310,708 million Won, up from 981,088 million Won in the prior period.

How concentrated are KB's loan exposures by industry and borrowers (KB)?

Kookmin Bank's loan mix shows real estate activities 26.5% and manufacturing 26.3% of total credit; the top-20 borrower exposures sum to 19,693 billion Won.