KB Financial Group Inc. (KB) Financial Statements

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KB Financial financial statements at a glance

KB Financial reported revenue of 21.23 trillion KRW for fiscal year 2025 (ended December 31, 2025), up 5.6% from fiscal year 2024. Net income was 5.63 trillion KRW, a net margin of 26.5%, and diluted earnings per share were 15261.00 KRW.

At the end of fiscal year 2025 it had total assets of 797.92 trillion KRW, total liabilities of 737.09 trillion KRW and shareholders' equity of 59.05 trillion KRW, with cash of 35.65 trillion KRW and total debt of 131.45 trillion KRW.

Its operations brought in 4.23 trillion KRW of cash; capital spending was 554.97 billion KRW, leaving free cash flow of 3.67 trillion KRW.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in KRW; latest fiscal year ended December 31, 2025.

KB logo

KB Financial Group Inc.

KBSouth Korea
Financial Services
KRW (Local)

Income Statement

Annual • KRW

Total Revenue
21.23T
Prev Year: 20.10T
YoY: +5.6%
Net Interest Income
13.07T
Prev Year: 12.83T
YoY: +1.9%
Interest Income
29.16T
Prev Year: 30.49T
YoY: -4.4%
Interest Expense
16.08T
Prev Year: 17.66T
YoY: -9.0%
Depreciation
1.58T
Prev Year: 1.62T
YoY: -2.5%
Selling General and Administrative
6.33T
Prev Year: 6.08T
YoY: +4.1%
Selling and Marketing Expense
235.09B
Prev Year: 230.66B
YoY: +1.9%
General and Administrative Expense
6.09T
Prev Year: 5.84T
YoY: +4.2%
Other General and Administrative
907.47B
Prev Year: 885.43B
YoY: +2.5%
Insurance and Claims
1.04T
Prev Year: 952.38B
YoY: +8.8%
Rent and Landing Fees
95.53B
Prev Year: 92.39B
YoY: +3.4%
Salaries and Wages
4.05T
Prev Year: 3.91T
YoY: +3.5%
Operating Revenue
21.23T
Occupancy And Equipment
19.54B
Prev Year: 18.31B
YoY: +6.7%
Other Noninterest Expense
2.14T
Prev Year: 1.97T
YoY: +8.5%
Special Income Charges
-184.82B
Prev Year: -342.45B
YoY: +46.0%
Provision for Credit Losses
-
Prev Year: -2.04T
Restructuring and Mergers Acquisition
263.00B
Prev Year: 306.62B
YoY: -14.2%
Impairment of Capital Assets
223.87B
Prev Year: 60.27B
YoY: +271.4%
Pre-tax Income
8.18T
Prev Year: 6.99T
YoY: +17.1%
Non Interest Expense
-
Prev Year: 9.69T
Provision for Income Taxes
2.34T
Prev Year: 1.96T
YoY: +19.7%
Income from Associates and Other Participating Interests
-
Prev Year: -16.88B
Net Income Common Stockholders
5.63T
Prev Year: 4.88T
YoY: +15.4%
Net Income
5.83T
Prev Year: 5.08T
YoY: +14.9%
Net Income Including Non-Controlling Interests
5.84T
Prev Year: 5.03T
YoY: +16.1%
Net Income from Continuing Operations
5.84T
Prev Year: 5.03T
YoY: +16.1%
Noncontrolling Interests
-7.55B
Prev Year: 49.62B
YoY: -115.2%
Diluted NI Available to Com Stockholders
5.63T
Prev Year: 4.88T
YoY: +15.4%
Basic EPS
15.4K
Prev Year: 0
Diluted EPS
15.3K
Prev Year: 0
Weighted Average Shares (basic)
365.40M
Prev Year: 378.77M
YoY: -3.5%
Weighted Average Shares (diluted)
368.96M
Prev Year: 383.37M
YoY: -3.8%
Net Income from Continuing and Discontinued Operation
5.83T
Prev Year: 5.08T
YoY: +14.9%
Normalized Income
5.97T
Prev Year: 5.32T
YoY: +12.0%
Reconciled Depreciation
914.69B
Prev Year: 916.29B
YoY: -0.2%
Net Income from Continuing Operation Net Minority Interest
5.83T
Prev Year: 5.08T
YoY: +14.9%
Total Unusual Items Excluding Goodwill
-184.82B
Prev Year: -342.45B
YoY: +46.0%
Total Unusual Items
-184.82B
Prev Year: -342.45B
YoY: +46.0%
Tax Rate for Calcs
0.286
Prev Year: 0
Interest Income After Provision for Loan Loss
-
Prev Year: 10.78T
Tax Effect of Unusual Items
-52.91B
Prev Year: -95.92B
YoY: +44.8%
Rent Expense (supplemental)
95.53B
Prev Year: 92.39B
YoY: +3.4%
Otherunder Preferred Stock Dividend
202.39B
Other Non-operating Income (expense)
-462.86B
Prev Year: -1.03T
YoY: +55.1%
Other Special Charges
-302.05B
Prev Year: -24.43B
YoY: -1136.2%
Gain on Sale of Securities
3.40T
Prev Year: 962.05B
YoY: +253.7%
Depreciation Amortization Depletion
1.58T
Prev Year: 1.62T
YoY: -2.5%
Depreciation and amortization
1.58T
Prev Year: 1.62T
YoY: -2.5%
Values in KRW

KB Financial key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue21.2T KRW20.1T KRW19.5T KRW16.4T KRW17.0T KRW
Net income5.6T KRW4.9T KRW4.4T KRW4.0T KRW4.4T KRW
Diluted EPS15261.00 KRW0.00 KRW0.00 KRW0.00 KRW0.00 KRW
Total assets797.9T KRW757.8T KRW715.7T KRW688.7T KRW655.7T KRW
Total liabilities737.1T KRW698.0T KRW657.1T KRW634.9T KRW606.3T KRW
Shareholders' equity59.0T KRW57.9T KRW56.7T KRW52.5T KRW48.5T KRW
Cash35.6T KRW30.8T KRW30.8T KRW32.5T KRW31.7T KRW
Total debt131.4T KRW128.0T KRW121.4T KRW140.4T KRW124.3T KRW
Operating cash flow4.2T KRW4.0T KRW4.1T KRW4.8T KRW-2.0T KRW
Capital spending555.0B KRW626.9B KRW680.6B KRW497.5B KRW478.3B KRW
Free cash flow3.7T KRW3.4T KRW3.4T KRW4.3T KRW-2.5T KRW

In KRW. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was KB Financial's revenue in fiscal year 2025?

21.23 trillion KRW, up 5.6% from 20.10 trillion KRW in fiscal year 2024.

How much profit does KB Financial make?

KB Financial reported net income of 5.63 trillion KRW for fiscal year 2025 (26.5% of revenue).

How much cash and debt does KB Financial have?

At the end of fiscal year 2025: cash of 35.65 trillion KRW and total debt of 131.45 trillion KRW.

What is KB Financial's free cash flow?

3.67 trillion KRW in fiscal year 2025 (operating cash flow of 4.23 trillion KRW minus capital spending of 554.97 billion KRW).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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