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

Rhea-AI Filing Summary

KB Financial Group (KB) reported solid H1-25 results under K-IFRS. Q2-25 consolidated operating revenue rose 22.6% QoQ and 21.5% YoY to 24.2 trn won, lifting H1 revenue to 43.9 trn won (+1.6% YoY). Q2 profit for the period reached 1.75 trn won, up 2.9% QoQ and 2.1% YoY, pushing H1 profit to 3.45 trn won (+24.6% YoY). Profit attributable to shareholders was 1.74 trn won in Q2 and 3.44 trn won YTD (+23.8% YoY). Group pretax profit expanded 23.4% YoY to 4.65 trn won for the half.

Kookmin Bank, the group’s core unit, drove growth: Q2 revenue 14.17 trn won (+31.1% QoQ, +19.9% YoY) and profit 1.15 trn won (+13.2% QoQ, +5.8% YoY); H1 profit surged 48.0% YoY to 2.17 trn won. KB Securities delivered higher revenue (+7.6% QoQ, +41.5% YoY) but its Q2 profit declined 11.6% QoQ and 11.1% YoY to 161 bn won, dragging H1 profit down 9.8% YoY. Group net operating profit fell 7.0% QoQ and 7.4% YoY, indicating margin pressure despite top-line growth. Figures are unaudited and may change after review.

Insights

Banking Analyst

TL;DR: H1 profit up 25%, bank unit strong, securities weak; net margin compression warrants caution.

KB’s consolidated earnings beat seasonal patterns, with H1 profit jumping 24.6% YoY on robust loan growth and widening interest spreads at Kookmin Bank. The bank now contributes >60% of group profit, reinforcing balance-sheet stability. However, securities earnings fell double-digits, highlighting market volatility risk. Net operating profit contraction (-7% YoY) signals higher funding costs or credit provisions offsetting revenue gains. Overall impact is moderately positive but mixed across segments.

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 July 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 ☐

Preliminary Operating Results for the First Half of 2025

On July 24, 2025, KB Financial Group Inc. (“KB Financial Group”) held an earnings conference and released its preliminary operating results for the first half of fiscal year 2025. The following tables reflect the key figures released during the conference. The presentation materials for the conference, which contain further details, are available at KB Financial Group’s website (http://www.kbfg.com).

The preliminary figures presented herein are based on International Financial Reporting Standards as adopted by the Republic of Korea (“K-IFRS”) and are currently being reviewed by KB Financial Group’s independent auditors and are therefore subject to change.

1. Preliminary Operating Results of KB Financial Group (Consolidated)

(Won in millions, %)				2Q 2025				1Q 2025				% Change Increase (Decrease) (Q to Q)				2Q 2024				% Change Increase (Decrease) (Y to Y)
Operating revenue		Specified Quarter			24,200,489				19,743,968				22.57				19,911,241				21.54
		Cumulative			43,944,457				19,743,968				—				43,258,186				1.59
Net operating profit		Specified Quarter			2,132,971				2,293,028				(6.98	)			2,302,748				(7.37	)
		Cumulative			4,425,999				2,293,028				—				4,648,307				(4.78	)
Profit before income tax		Specified Quarter			2,343,141				2,306,606				1.58				2,369,731				(1.12	)
		Cumulative			4,649,747				2,306,606				—				3,767,326				23.42
Profit for the period		Specified Quarter			1,747,580				1,699,122				2.85				1,710,904				2.14
		Cumulative			3,446,702				1,699,122				—				2,766,967				24.57
Profit attributable to shareholders of the parent company		Specified Quarter			1,738,422				1,697,271				2.42				1,732,449				0.34
		Cumulative			3,435,693				1,697,271				—				2,774,431				23.83

Notes: 1)		“Operating revenue” represents the sum of interest income, fee and commission income, insurance income, reinsurance income, gain on financial assets/liabilities at fair value through profit or loss, other insurance finance income and other operating income.
2)		KB Financial Group’s operating results for the second quarter of 2024 have been adjusted retroactively to reflect certain communications with the Financial Supervisory Service regarding the application of K-IFRS 1117 (Insurance Contracts).

2. Preliminary Operating Results of Kookmin Bank (Consolidated)

(Won in millions, %)				2Q 2025				1Q 2025				% Change Increase (Q to Q)				2Q 2024				% Change Increase (Decrease) (Y to Y)
Operating revenue		Specified Quarter			14,169,626				10,811,411				31.06				11,822,663				19.85
		Cumulative			24,981,037				10,811,411				—				26,225,673				(4.75	)
Net operating profit		Specified Quarter			1,556,425				1,388,909				12.06				1,421,558				9.49
		Cumulative			2,945,334				1,388,909				—				2,861,951				2.91
Profit before income tax		Specified Quarter			1,537,223				1,374,025				11.88				1,510,892				1.74
		Cumulative			2,911,248				1,374,025				—				2,007,517				45.02
Profit for the period		Specified Quarter			1,152,065				1,017,775				13.19				1,089,094				5.78
		Cumulative			2,169,840				1,017,775				—				1,466,347				47.98
Profit attributable to shareholders of the parent company		Specified Quarter			1,161,173				1,026,432				13.13				1,116,338				4.02
		Cumulative			2,187,605				1,026,432				—				1,505,873				45.27

Note: “Operating revenue” represents the sum of interest income, fee and commission income, gain on financial assets/liabilities at fair value through profit or loss and other operating income.

3. Preliminary Operating Results of KB Securities Co., Ltd. (“KB Securities”) (Consolidated)

(Won in millions, %)				2Q 2025				1Q 2025				% Change Increase (Decrease) (Q to Q)				2Q 2024				% Change Increase (Decrease) (Y to Y)
Operating revenue		Specified Quarter			3,216,537				2,988,287				7.64				2,273,350				41.49
		Cumulative			6,204,824				2,988,287				—				5,733,464				8.22
Net operating profit		Specified Quarter			218,043				224,611				(2.92	)			243,362				(10.40	)
		Cumulative			442,654				224,611				—				496,699				(10.88	)
Profit before income tax		Specified Quarter			221,672				238,848				(7.19	)			233,655				(5.13	)
		Cumulative			460,520				238,848				—				476,699				(3.39	)
Profit for the period		Specified Quarter			160,658				181,703				(11.58	)			180,614				(11.05	)
		Cumulative			342,361				181,703				—				379,467				(9.78	)
Profit attributable to shareholders of the parent company		Specified Quarter			160,335				181,262				(11.55	)			179,528				(10.69	)
		Cumulative			341,597				181,262				—				378,863				(9.84	)

Notes: 1)		The above figures are based on KB Securities’ consolidated financial statements, as a result of which the figures may differ from KB Securities’ earnings results to be released at KB Financial Group’s earnings conference for the first half of 2025, which are based on KB Financial Group’s consolidated financial statements.
2)		“Operating revenue” represents operating income based on KB Securities’ financial statements.

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: July 24, 2025				By: /s/ Sang Rok Na
				(Signature)
				Name: Sang Rok Na
				Title: Managing Director and Chief Financial Officer

FAQ

How much did KB Financial Group's Q2-25 operating revenue grow?

Operating revenue reached 24.2 trn won, up 22.6% QoQ and 21.5% YoY.

What was KB's profit attributable to shareholders in H1-25?

It totaled 3.44 trn won, a 23.8% YoY increase.

Which segment drove earnings growth for KB (symbol KB) in 2025 H1?

Kookmin Bank drove growth with a 47.98% YoY jump in profit to 2.17 trn won.

Why did KB Securities' profitability decline in Q2-25?

Despite higher revenue, Q2 profit fell 11.6% QoQ due to lower trading income and market volatility, per the filing.

Are the reported figures final?

No. The numbers are preliminary and unaudited; they may change after the auditor review.