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KB Financial Group reported solid growth for 2025, with consolidated net income rising to 5,833,162 million Won from 5,078,221 million Won in 2024 and basic EPS increasing to 15,410 Won. Return on equity improved to 9.93% and return on assets to 0.75%.
Total assets reached 797,923,033 million Won and equity 60,829,989 million Won. The group continued aggressive capital returns, cancelling shares so that shares outstanding were 358,587,722 as of December 31, 2025, and paying total cash dividends of 1,577,774 million Won, with DPS at 4,367 Won and a cash payout ratio of 27.0%. Its Sustainable Value-up Plan targets ROE of at least 10% and a CET1 ratio in the mid‑13% range, using CET1 capital above 13% and 13.5% for phased dividends and share buybacks. Capital adequacy remained strong with a BIS ratio of 16.20% and overseas ratings of A1/P‑1 (Moody’s) and A/A‑1 (S&P). Internal controls and financial reporting received unqualified audit opinions and were assessed as effective.
KB Financial Group Inc. reported a change in ownership by its largest shareholder, the Korean National Pension Service. The pension fund increased its holdings from 33,107,971 common shares, or 8.68% of total shares as of December 31, 2025, to 33,379,901 common shares, or 8.95% of 372,850,455 total shares based on the shareholder registry as of February 27, 2026.
KB Financial Group Inc. furnished English translations of the 2025 audited consolidated and separate financial statements of its wholly owned subsidiary KB Securities Co., Ltd., prepared under Korean IFRS.
KB Securities reported total assets of ₩76.47 trillion and total equity of ₩6.90 trillion as of December 31, 2025. Operating profit for 2025 was ₩911.6 billion, with profit for the year rising to ₩682.4 billion from ₩590.4 billion in 2024. Fee and commission income reached ₩1.22 trillion, while gains on valuation and disposal of financial instruments totaled ₩9.69 trillion. Net cash used in operating activities was ₩302.9 billion, alongside significant net cash outflows from investing activities and inflows from financing activities.
KB Financial Group Inc. furnished English translations of the audited 2025 consolidated and separate financial statements of its wholly owned subsidiary, Kookmin Bank, prepared under Korean IFRS and audited by Samil PricewaterhouseCoopers with an unqualified opinion. The financials, which are still subject to Kookmin Bank shareholder approval and potential change, show total assets of W 584.9 trillion and total equity of W 39.0 trillion as of December 31, 2025. Profit for the year reached W 3.82 trillion, up from W 3.15 trillion in 2024, driven by higher net interest income of W 10.66 trillion and solid fee income, partly offset by higher credit loss provisions of W 1.03 trillion. Total comprehensive income was W 3.61 trillion. Cash and cash equivalents increased to W 25.18 trillion at year-end after positive operating, investing, and financing cash flows. The notes describe key accounting policies, critical estimates, and updated Korean IFRS applications.
KB Financial Group Inc. furnished its audited consolidated and separate financial statements for 2025, prepared under Korean IFRS, along with unqualified audit opinions from Samil PricewaterhouseCoopers on both the financial statements and internal control over financial reporting for consolidation purposes.
For 2025, the Group reported profit for the year of W5,840,715 million, up from W5,028,606 million in 2024, with basic earnings per share increasing to W15,410 from W12,880. Total assets reached W797,923,033 million and total equity was W60,829,989 million as of December 31, 2025. The financial statements have not yet been approved by shareholders and remain subject to change.
KB Financial Group Inc. plans to hold its annual general meeting on March 26, 2026, seeking approval of 2025 financial statements, dividends, amendments to its articles of incorporation, a capital reserve reduction, multiple non-executive director and Audit Committee appointments, and a new remuneration limit.
The Group proposes updating its charter to allow electronic shareholder participation and electronic proxy documentation, and to clarify directors’ duty to act for the interests of the company and all shareholders. For 2026, directors’ aggregate cash remuneration would be capped at W 3.0 billion, with up to 30,000 treasury shares available as long-term incentives.
On a separate basis, KB Financial Group reported 2025 profit of W 3,657,633 million and basic earnings per share of W 9,456. On a consolidated basis, profit for 2025 was W 5,840,715 million, with basic earnings per share of W 15,410, supported by net interest income of W 13,073,093 million and total assets of W 797,923,033 million.
KB Financial Group Inc. reported that the board of directors of its wholly owned subsidiary, KB Securities Co. Ltd., resolved on February 25, 2026 to increase KB Securities’ capital through an issuance of common shares. This move is intended to strengthen the subsidiary’s capital base within the group structure.
KB Financial Group Inc. plans to hold its annual general meeting of shareholders for fiscal year 2025 after a board resolution on February 25, 2026. The meeting will ask shareholders to approve several non-executive director nominees and audit committee members.
Candidates for non-executive director roles include Jaehong Choi, Myong-Hwal Lee, and Jeong Ho Seo, with proposed terms of one or two years. Additional items cover appointing Whajoon Cho and Sung-Yong Kim as non-executive directors serving on the audit committee, and confirming audit committee members Sun Yeop Kim and Jeong Ho Seo.
KB Financial Group Inc. plans to cancel 4,222,378 common shares that it will first acquire as treasury stock. The shares are expected to be bought on the stock exchange between February 6, 2026 and April 20, 2026 through KB Securities Co., Ltd., for an estimated total of KRW 600,000,000,000. After cancellation, the total number of issued shares will decrease from 372,850,455 common shares, but the company states that its paid-in capital will not be reduced because the cancellation is within profits available for dividends under Article 343-1 of the Korean Commercial Code.
KB Financial Group Inc. plans to acquire up to 4,222,378 common shares as treasury stock, with an estimated purchase amount of KRW 600,000,000,000. The board approved the program on February 5, 2026.
The buyback is scheduled from February 6, 2026 to April 20, 2026 through stock exchange purchases on the Korea Exchange, using KB Securities as the entrusted broker. The stated goal is to enhance shareholder return and increase corporate value by acquiring and cancelling treasury shares. As of February 5, 2026, KB Financial Group held 14,262,733 treasury shares, representing 3.83% of its shares, and the daily buying limit is 422,237 common shares. The company confirms that the repurchase capacity complies with Korean Commercial Code limits on profits available for dividends.