Kb Financial Group Inc. · KRX:105560
Kb Financial — Q3 2026 Earnings Presentation
33 slides from Kb Financial's earnings presentation, Oct 29, 2026
Slide 1: 3Q26 Business Results
3Q26 Business Results October 2026
Slide 2: Disclaimer
Disclaimer 1. The consolidated financial information of KB Financial Group Inc. (the “Group”) presented herein is based on the Korean International Financial Reporting Standards(K-IFRS). It is currently being reviewed by the Group’s independent auditor, and accordingly, is subject to change. 2. The
Slide 3: Contents
CONTENTS I. 3Q26 Financial Highlights 01 II. Financial Analysis 05 III. Financial Details 12 IV. Financial Highlights of Major Subsidiaries 17 V. Appendix 22
Slide 4: 3Q26 Financial Highlights
3Q26 Financial Highlights 01 Key Takeaways Overview
Slide 5: Main Drivers Elevating Earnings Power to a New Level of All-Weather Fundamentals
Ⅰ. 3Q26 Financial Highlights | Key Takeaways Main Drivers Elevating Earnings Power to a New Level of “All-Weather Fundamentals” Driver Ⅰ Driver Ⅱ Driver Ⅲ Elevated to a Higher Base Consistently Leveling Up Structurally Enhanced Ⅰ Ⅱ Ⅲ Solid Risk-adjusted NIM1) Leveled-up Fee Income Strength Continuou
Slide 6: All-Weather Fundamentals Delivering Sustainable Growth Across Market Cycles
Ⅰ. 3Q26 Financial Highlights | Key Takeaways “All-Weather Fundamentals” Delivering Sustainable Growth Across Market Cycles Unstoppable Resilient Fundamentals Backed by Reaffirmed Sustainable Growth Amid Rapid Market Shifts Complementary Earnings Power Across Bank and Non-Bank Businesses <Operating E
Slide 7: Group Net Profit 5,792.1bn
Ⅰ. 3Q26 Financial Highlights | Overview 3Q26(Cumulative) Group Net Profit 5,792.1bn Group’s net profit expanded 13.1% YoY, underpinned by “All-Weather Fundamentals” amid rapidly changing market conditions Group Net Profit (bn won) Group ROE (%) YoY +13.1% YoY +1.11%p YoY +13.1% 13.89 11.86 11.52 12.
Slide 8: Group Net Profit Analysis and Contribution by Subsidiary
Ⅰ. 3Q26 Financial Highlights | Overview 3Q26(Cumulative) Group Net Profit 5,792.1bn Differentiated & well-balanced portfolio proven by resilient NII growth and stronger non-interest income earnings capacity Group Net Profit Analysis (bn won) Net Profit by Subsidiaries & Non-Bank Contribution (bn won
Slide 9: Financial Analysis
Financial Analysis 02 Net Interest Income Net Non-Interest Income G&A Expenses Provision for Credit Losses Capital Adequacy [Reference Item] Per Share Metrics
Slide 10: Group Net Interest Income 9,985.3bn
Ⅱ. Financial Analysis | Net Interest Income 3Q26(Cumulative) Group Net Interest Income 9,985.3bn Maintained steady YoY increase of 2.9% on the back of solid corporate-led loan growth & Bank’s sound NIM management Group Net Interest Income Loans in Won Growth (tn won, %) 2.9% +3.5% YoY + 1.5 0.9 1.4
Slide 11: Group Net Non-Interest Income 4,758.8bn
Ⅱ. Financial Analysis | Net Non-Interest Income 3Q26(Cumulative) Group Net Non-Interest Income 4,758.8bn Earnings capacity lifted-up to a new level recording YoY +27.3% driven by robust securities-related fee and trusts income Group Net Non-Interest Income Net Fee & Commission Income (bn won) YoY +
Slide 12: Group G&A Expenses 5,360.4bn
Ⅱ. Financial Analysis | G&A Expenses 3Q26(Cumulative) Group G&A Expenses 5,360.4bn Ongoing efficiency efforts pushed CIR further down to 36.4% despite pressures from inflation and higher education taxes Group Cumulative CIR Group Cost Efficiency(CIR) (%) 36.4% YoY △0.8%p 49.7 48.4 △0.8%p (bn won, %)
Slide 13: Group Provision for Credit Losses 1,576.3bn
Ⅱ. Financial Analysis | Provision for Credit Losses 3Q26(Cumulative) Group Provision for Credit Losses 1,576.3bn Conservative risk management delivered both provisions (YoY △5.9%) & CCR well under control on a stable level Group Provision for Credit Losses Provision for Credit Losses (bn won) YoY △
Slide 14: Capital Adequacy: BIS Ratio 16.02%, CET-1 Ratio 13.80%
Ⅱ. Financial Analysis | Capital Adequacy 2026.9 Group BIS Ratio 16.02%, CET-1 Ratio 13.80% Continued industry-leading capital strength with strategic capital management & FX tailwinds despite asset growth and payouts Group Capital Adequacy Group Capital Ratio (Based on Basel Ⅲ, %) CET-1 Ratio QoQ +
Slide 15: Group RWA and RWA Management Strategy
Ⅱ. Financial Analysis | Capital Adequacy 2026.9 Group BIS Ratio 16.02%, CET-1 Ratio 13.80% Continued industry-leading capital strength with strategic capital management & FX tailwinds despite asset growth and payouts Group RWA(Risk-weighted Assets) (tn won, %) Group’s RWA Management Strategy 7.7 4.1
Slide 16: KB Financial Group Per Share Metrics
Ⅱ. Financial Analysis | [Reference Item] Per Share Metrics KB Financial Group Per Share Metrics EPS (won) BPS & TBPS (won) ■ EPS +18.1% ■ BPS ■ TBPS +5.9% 15,410 15,983 171,884 161,604 162,294 13,531 147,626 152,836 12,880 11,483 134,801 11,134 121,808 10,230 157,199 157,435 167,706 142,546 147,644
Slide 17: Financial Details
Financial Details 03 P&L Overview Financial Position Overview Assets & Liabilities Asset Quality
Slide 18: Group Profit & Loss Overview
Ⅲ. Financial Details | P&L Overview Group Profit & Loss Overview 3Q26 3Q25 (bn won, %) YoY 3Q26 2Q26 QoQ (Cumulative) (Cumulative) Net Interest Income 9,985.3 9,704.9 2.9 3,507.0 3,143.5 11.6 Net Fee & Commission Income 4,087.8 2,952.4 38.5 1,126.6 1,601.9 -29.7 Other Operating Profit 671.0 786.6 -1
Slide 19: Group Financial Position Overview
Ⅲ. Financial Details | Financial Position Overview Group Financial Position Overview (tn won, %) 2026.9 2026.6 QoQ 2025.12 YTD (tn won, %) 2026.9 2026.6 QoQ 2025.12 YTD Assets 851.5 866.9 -1.8 797.9 6.7 Shareholder’s Equity 62.6 62.7 -0.2 60.8 3.0 Cash & Due from 47.1 44.6 5.6 34.8 35.3 Share Capita
Slide 20: Assets & Liabilities (1) Bank
Ⅲ. Financial Details | Assets & Liabilities (1) Bank Assets & Liabilities (1) Bank QoQ YTD (tn won, %) 2026.9 2026.6 Amt. (%) 2025.12 Amt. (%) Bank Loans in Won 390.9 385.1 5.8 1.5 377.5 13.4 3.5 Household 186.1 184.4 1.7 0.9 183.4 2.7 1.5 Mortgage 115.6 114.1 1.5 1.3 113.3 2.3 2.0 General 70.5 70.3
Slide 21: Assets & Liabilities (2) Card
Ⅲ. Financial Details | Assets & Liabilities (2) Card Assets & Liabilities (2) Card QoQ YTD (tn won, %) 2026.9 2026.6 Amt. (%) 2025.12 Amt. (%) Card Assets 28.9 28.0 0.9 3.2 27.7 1.2 4.3 Credit Card 24.0 23.1 0.9 3.9 23.2 0.8 3.4 Credit Sales 16.7 15.6 1.1 7.1 15.9 0.8 5.0 [Installments] 6.9 6.4 0.5
Slide 22: Asset Quality
Ⅲ. Financial Details | Assets Quality Asset Quality Group Asset Quality (bn won, %) 2026.9 2026.6 QoQ 2026.3 2025.12 2025.9 YoY Total Loans for NPL Classification 500,737.1 499,486.1 0.3 490,495.5 484,213.7 478,625.7 4.6 Precautionary 3,924.9 4,142.8 -5.3 3,878.6 4,163.5 4,182.2 -6.2 Substandard 1,7
Slide 23: Financial Highlights of Major Subsidiaries
Financial Highlights of Major Subsidiaries 04 KB Kookmin Bank KB Securities KB Insurance KB Kookmin Card KB Life Insurance
Slide 24: KB Kookmin Bank
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Bank KB Kookmin Bank Financial Profit for 3Q26 (Cum.) 3Q26 ROE (Cum.) 3Q26 CIR (Cum.) 3Q26 CCR (Cum.) 3Q26 NIM Highlights 3,576.3bn 12.23% 38.3% 16bp 1.72% Profitability Overview 1) Key Financial Indicators (bn won, %) 3Q26 3Q25 YoY 3Q26 2Q
Slide 25: KB Securities
IV. Financial Highlights of Major Subsidiaries | KB Securities KB Securities Financial Profit for 3Q26 (Cum.) 3Q26 ROE (Cum.) Retail AUM League Table (Bloomberg) Institutional Stock M/S Highlights 1,067.5bn 17.67% 263.9tn DCM No.1 No.1, 12.7% Profitability Overview 1) Key Financial Indicators (bn wo
Slide 26: KB Insurance
IV. Financial Highlights of Major Subsidiaries | KB Insurance KB Insurance Financial Profit for 3Q26 (Cum.) 3Q26 ROE (Cum.) 3Q26 ROA (Cum.) K-ICS CSM Highlights 681.1bn 15.26% 2.03% 187.9% 10,897.4bn Profitability Overview Key Financial Indicators (bn won, %) 3Q26 3Q25 YoY 3Q26 2Q26 QoQ (bn won, %)
Slide 27: KB Kookmin Card
IV. Financial Highlights of Major Subsidiaries | KB Kookmin Card KB Kookmin Card Financial Profit for 3Q26 (Cum.) 3Q26 ROE (Cum.) Card Assets Active Customers Card Transaction Vol. Highlights 331.7bn 7.83% 28.9tn 10,431K 142.6tn Profitability Overview 1) Key Financial Indicators (bn won, %) 3Q26 3Q2
Slide 28: KB Life Insurance
IV. Financial Highlights of Major Subsidiaries | KB Life Insurance KB Life Insurance Financial Profit for 3Q26 (Cum.) 3Q26 ROE (Cum.) CSM New Contract APE K-ICS Highlights 210.6bn 6.88% 3,699.4bn 552.6bn 222.8% Profitability Overview 1) Key Financial Indicators (bn won, %) 3Q26 3Q25 YoY 3Q26 2Q26 Qo
Slide 29: Appendix
Appendix 05 Overview of Group Subsidiaries Condensed Income Statement by Subsidiaries Group Digital
Slide 30: Overview of Group Subsidiaries (3Q26 Cumulative)
V. Appendix Overview of Group Subsidiaries1) (3Q26 Cumulative) (bn won, %) Ownership Total Assets Shareholder’s Equity Profit for the Period2) ROA ROE KB Kookmin Bank 100.0% 627,353.9 39,685.6 3,576.3 0.78% 12.23% KB Securities 100.0% 87,692.4 9,384.4 1,067.5 1.61% 17.67% KB Insurance 100.0% 44,806.
Slide 31: Group Condensed Income by Subsidiary
V. Appendix Group Condensed Income by Subsidiary1) 3Q26 (Cumulative) KB Kookmin KB Kookmin KB Life KB Asset (bn won, %) Group KB Securities KB Insurance KB Capital Bank Card Insurance Management Net Interest Income 9,985.3 8,348.9 478.9 -22.9 1,144.4 44.4 -6.6 302.3 Net Fee & Commission Income 4,087
Slide 32: Group Digital
V. Appendix Group Digital1) (thousands of users, %) 2026.9 2026.6 QoQ 2025.12 YTD 2025.9 YoY Group 33,209 33,749 -1.6 34,429 -3.5 33,912 -2.1 Group Platform Finance 28,555 28,740 -0.6 28,379 0.6 28,444 0.4 MAU2) Non-Finance 4,655 5,009 -7.1 6,050 -23.1 5,468 -14.9 KB Star Banking (Bank) 13,953 14,06
Slide 33: KB Financial Group
>ko KB Financial Group