KB Financial Group’s net profit for the first half of 2026 stood at 3.8846 trillion won, an increase of 13.1% compared to the same period of 2025.
Its ROE was 14.09%. Despite increased financial market volatility caused by rising exchange rates and interest rates as well as geopolitical risks, solid performance was driven by significantly expanded fee income based on a stable foundation of interest income.
KB Financial Group’s net profit for the second quarter amounted to 1.9922 trillion won, driven by a balanced portfolio of banking and non-banking businesses and even growth.
Based on a diversified portfolio, core affiliates such as banking, securities, and insurance subsidiaries continued to deliver complementary performance in response to changes in the market environment.
In the first half of the year, the contribution of non-banking affiliates to the group’s performance climbed to 44%, with the contribution of the financial group’s securities affiliate expanding to 21%, leading the growth of the non-banking affiliates’ performances.
The financial group’s ROA and ROE were 0.95% and 14.09%, respectively, showing significant growth in profitability and capital efficiency compared to the same period of last year.
The cost-to-income ratio, a cost efficiency indicator, recorded 36.2%, maintaining a stable trend thanks to solid core earnings growth and continuous cost efficiency efforts at the group level.
The credit coverage ratio, which indicates the group’s asset quality, sat at 0.39%, a significant improvement of 15 basis points compared to the same period of last year, maintaining a stable level as a loss absorption capacity secured preemptively in 2025 in preparation for macro volatility and the group’s conservative risk management stance continued.
Meanwhile, KB Financial Group generated a total of 1.6626 trillion won in social value in the first half of 2026 through various social contribution activities based on inclusive finance and shared growth.
Specifically, in the youth sector, KB Financial Group supports job creation and asset formation through initiatives such as the KB Good Job Job Fair and the KB Youth Future Savings Account.
The financial group also supports business stability and sustainable growth by alleviating financial burdens through initiatives such as preferential fees for small merchants, guarantee contributions and interest rate support, alongside support for boosting future competitiveness through AI transitions for small and medium-sized companies, green transitions, and industrial safety improvements.
Furthermore, in the regional sector, it continues to foster mutual growth with local communities by expanding community-oriented social contribution activities such as KB Small Libraries, Community Education & Care Centers, cultural projects with national and public galleries and museums, and the creation of energy-independent villages in rural areas.
In particular, KB Financial Group is achieving significant results in resolving long-term delinquent debts to help financially marginalized groups recover.
The financial group plans to actively support poor borrowers’ credit recovery and their re-entry into the institutional financial system by writing off approximately 153.1 billion won worth of debt in the first half of this year and writing off an additional 313.5 billion won in the second half.
Among key management indicators announced on the day, KB Financial Group’s Common Equity Tier 1 ratio and BIS capital ratio as of the end of June reached 13.74% and 15.91%, respectively, as a result of efficient capital allocation and stable management of risk-weighted assets despite an unfavorable operating environment, thereby maintaining the highest level of capital adequacy in the Korean financial industry.
KB Financial Group announced its business results via internet and mobile live streaming on July 23.
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