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 May 2026
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 ☐
Summary of 2026 First Quarter Business Report
On May 15, 2026, KB Financial Group Inc. (“KB Financial Group,” the “Company” or the “Group”) filed its business report for the first quarter of 2026 (the “Business Report”) with the Financial Services Commission of Korea and the Korea Exchange. This is a summary of the Business Report translated into English.
Except where indicated otherwise, financial information contained in this summary have been prepared in accordance with the Korean equivalent of International Financial Reporting Standards (“K-IFRS”), which differ in certain important respects from generally accepted accounting principles in the United States.
All references to “KB Financial Group,” “we,” “us,” the “Company” or the “Group” are to KB Financial Group and, unless the context requires otherwise, its subsidiaries. In addition, all references to “Won” or “KRW” in this document are to the currency of the Republic of Korea.
| 1. | Introduction to the Company |
| 1.1. | Business Purpose |
KB Financial Group is a financial holding company that was established in September 2008. Its main business purpose is to hold shares in companies that are engaged in financial or related services, as well as govern and manage such companies. Its consolidated subsidiaries are primarily engaged in the banking business, as well as the credit card business, the financial investment business, the insurance business and other related businesses.
| 1.2. | History |
[Not required to be disclosed in quarterly reports]
| 1.3. | Overview of the Business Group |
[Not required to be disclosed in quarterly reports]
| 1.4. | Capital Structure |
| 1.4.1. | Common Shares |
Changes in Capital
| (As of March 31, 2026) | (Unit: Won, shares) | |||||||||||||||
| Date |
Type |
Number of Shares Issued or Cancelled |
Par Value | Price | Remarks | |||||||||||
| September 29, 2008 |
Common Stock | 356,351,693 | 5,000 | 48,444 | Establishment of the Company | |||||||||||
| September 2, 2009 |
Common Stock | 30,000,000 | 5,000 | 37,250 | % increase in number of common shares: 8.41865% | |||||||||||
| October 19, 2016 |
Common Stock | 31,759,844 | 5,000 | 35,474 | % increase in number of common shares: 8.22045% | |||||||||||
| December 12, 2019 |
Common Stock | 2,303,617 | 5,000 | — | Share Cancellation(1) | |||||||||||
| February 14, 2022 |
Common Stock | 3,455,426 | 5,000 | — | Share Cancellation(1) | |||||||||||
| August 1, 2022 |
Common Stock | 3,455,426 | 5,000 | — | Share Cancellation(1) | |||||||||||
| April 4, 2023 |
Common Stock | 5,385,996 | 5,000 | — | Share Cancellation(1) | |||||||||||
| August 14, 2024 |
Common Stock | 9,982,649 | 5,000 | — | Share Cancellation(1) | |||||||||||
| May 15, 2025 |
Common Stock | 12,066,320 | 5,000 | — | Share Cancellation(1) | |||||||||||
| January 15, 2026 |
Common Stock | 8,611,648 | 5,000 | — | Share Cancellation(1) | |||||||||||
| Note: (1) | The cancelled shares constituted treasury shares acquired pursuant to a resolution of the board of directors of the Company within the limits of profit available for dividend payment, and as such, there was no change in paid-in capital. |
Number of Shares
[Not required to be disclosed in quarterly reports]
1.4.2. Voting Rights
| (As of March 31, 2026) | (Unit: shares) | |||||||||||
| Items |
Number of Shares | Notes | ||||||||||
| Total number of issued shares |
Common shares | 372,850,455 | — | |||||||||
| Preferred shares | — | — | ||||||||||
| Shares without voting rights |
Common shares | 17,462,733 | Treasury shares | |||||||||
| Preferred shares | — | — | ||||||||||
| Shares for which voting rights cannot be exercised pursuant to the Articles of Incorporation |
— | — | — | |||||||||
| Shares for which voting rights are restricted under relevant laws and regulations |
— | — | — | |||||||||
| Shares with restored voting rights |
— | — | — | |||||||||
| Total shares for which voting rights may be exercised |
Common shares | 355,387,722 | — | |||||||||
| Preferred shares | — | — | ||||||||||
| Notes: (1) | On April 23, 2026, the board of directors of the Company resolved to cancel certain of the Company’s existing treasury shares, and accordingly, 14,262,733 of such existing treasury shares are scheduled to be cancelled on May 15, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on April 23, 2026. |
| (2) | On February 5, 2026, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on February 6, 2026 and completed such acquisition on April 7, 2026, acquiring a total of 3,899,988 treasury shares. Such treasury shares are scheduled to be canceled on May 15. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on April 9, 2026. |
| (3) | On April 23, 2026, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on April 24, 2026. Such treasury shares are scheduled to be canceled upon completion of the acquisition. Such shares are not included in the number of “Shares without voting rights” as of March 31, 2026 above. |
| 1.5. | Dividends |
On October 24, 2024, KB Financial Group disclosed a detailed plan to enhance corporate value titled “KB Financial Group’s Sustainable Value-up Plan,” which includes information on shareholder returns and dividends. The key details of the plan are as outlined below (the full version of the plan can be accessed on KB Financial Group’s website at www.kbfg.com).
The Company’s goal is to maintain a target ROE of 10% or above, as it strives to improve profitability by enhancing its RoRWA, thereby strengthening its intrinsic corporate value.
The Company also seeks to maintain a target CET1 ratio of 13% or above. It aims to carefully manage its RWA growth rate by taking capital efficiency and profitability into consideration with the goal of maintaining a CET1 ratio in the range of mid-13% throughout the year.
The Company plans to execute its shareholder return policy in two phases. In the first phase, it will aim to utilize the capital in such amount that is equivalent to the amount exceeding 13% of its CET1 ratio as of the end of the previous year for the payment of shareholder returns in the following year. These returns will be supported through quarterly cash dividends (equitably distributed on a total annual basis) and through share buybacks and cancellations. In the second phase, the Company will aim to utilize the capital in such amount that is equivalent to the amount exceeding 13.5% of its CET1 ratio in the second half of the year to pay for additional shareholder returns. These returns, which will be made based on profits accumulated throughout the year, will be executed through share buybacks and cancellations.
These goals and expectations are subject to adjustments based on economic uncertainties, regulatory considerations, capital ratio projections, and the Company’s strategic objectives, including potential inorganic growth opportunities.
KB Financial Group’s progress report on its Sustainable Value-up Plan is available on its website (www.kbfg.com).
1.5.1. Status of implementation of measures to improve dividend procedures under the Articles of Incorporation
| Items |
Year-end dividend |
Quarterly dividend | ||
| Authority to determine the amount of dividends under the Articles of Incorporation |
Annual general meeting of shareholders | Board of directors | ||
| Whether it is possible to fix the record date after the amount of dividend has been determined pursuant to the Articles of Incorporation |
Yes | Yes | ||
| Future plans for implementing improvements to dividend procedures |
— | — | ||
1.5.2. Dividend Confirmation and Record Date Schedule
| Items |
Fiscal Year-End |
Dividend Payment Status |
Dividend Amount Confirmation Date |
Record Date | ||||
| Quarterly Dividend |
March 2023 | Yes | April 27, 2023 | March 31, 2023 | ||||
| Quarterly Dividend |
June 2023 | Yes | July 25, 2023 | June 30, 2023 | ||||
| Quarterly Dividend |
September 2023 | Yes | October 24, 2023 | September 30, 2023 | ||||
| Annual Dividend |
December 2023 | Yes | March 22, 2024 | February 29, 2024 | ||||
| Quarterly Dividend |
March 2024 | Yes | April 25, 2024 | March 31, 2024 | ||||
| Quarterly Dividend |
June 2024 | Yes | July 23, 2024 | June 30, 2024 | ||||
| Quarterly Dividend |
September 2024 | Yes | October 24, 2024 | September 30, 2024 | ||||
| Annual Dividend |
December 2024 | Yes | March 26, 2025 | February 28, 2025 | ||||
| Quarterly Dividend |
March 2025 | Yes | May 12, 2025 | May 12, 2025 | ||||
| Quarterly Dividend |
June 2025 | Yes | August 11, 2025 | August 11, 2025 | ||||
| Quarterly Dividend |
September 2025 | Yes | November 14, 2025 | November 14, 2025 | ||||
| Annual Dividend |
December 2025 | Yes | March 26, 2026 | February 27, 2026 | ||||
| Quarterly Dividend |
March 2026 | Yes | May 8, 2026 | May 8, 2026 |
| Notes: (1) | The dividend amount confirmation dates refer to the date at which both the resolution of the relevant body (the Annual General Meeting of Shareholders or the Board of Directors) and the dividend record date have occurred. |
| (2) | With respect to annual dividends, the record date was decided through a resolution of the Board of Directors and announced two weeks in advance. With respect to quarterly dividends: (i) following an amendment to the Articles of Incorporation on March 26, 2025, the record date was decided through a resolution of the Board of Directors within 45 days of the end of the quarter and announced two weeks in advance; and (ii) prior to the amendment of the Articles of Incorporation, the record date was designated to be the end of March, June and September. |
1.5.3. Key Dividend Indicators
| (Unit: in millions of Won, except per share amounts and percentages) | ||||||||||||||
| Items |
January 1, 2026 to March 31, 2026(1) |
January 1, 2025 to December 31, 2025(2) |
January 1, 2024 to December 31, 2024(3) |
|||||||||||
| Par value per share (Won) |
5,000 | 5,000 | 5,000 | |||||||||||
| (Consolidated) Net income |
1,892,401 | 5,833,162 | 5,078,221 | |||||||||||
| (Consolidated) Earnings per share (Won) |
5,165 | 15,410 | 12,880 | |||||||||||
| Total cash dividends |
405,088 | 1,577,774 | 1,198,257 | |||||||||||
| Total stock dividends |
— | — | — | |||||||||||
| (Consolidated) Cash dividend payout ratio (%) |
21.4 | 27.0 | 23.6 | |||||||||||
| Cash dividend yield (%) |
Common shares | 0.7 | 3.2 | 3.5 | ||||||||||
| — | — | — | — | |||||||||||
| Stock dividend yield (%) |
Common shares | — | — | — | ||||||||||
| — | — | — | — | |||||||||||
| Cash dividend per share (Won) |
Common shares | 1,143 | 4,367 | 3,174 | ||||||||||
| — | — | — | — | |||||||||||
| Stock dividend per share |
Common shares | — | — | — | ||||||||||
| — | — | — | — | |||||||||||
| Notes: (1) | Includes a quarterly dividend amount of Won 405,088 million (Won 1,143 per common share) expected to be distributed for the first quarter of fiscal year 2026. |
| (2) | Includes a quarterly dividend amount of Won 334,339 million (Won 912 per common share) for the first quarter of fiscal year 2025, a quarterly dividend amount of Won 334,652 million (Won 920 per common share) for the second quarter of fiscal year 2025, a quarterly dividend amount of Won 335,016 million (Won 930 per common share) for the third quarter of fiscal year 2025, and an annual dividend amount of Won 573,768 million (Won 1,605 per common share) for fiscal year 2025. |
| (3) | Includes a quarterly dividend amount of Won 300,087 million (Won 784 per common share) for the first quarter of fiscal year 2024, a quarterly dividend amount of Won 299,999 million (Won 791 per common share) for the second quarter of fiscal year 2024, a quarterly dividend amount of Won 299,886 million (Won 795 per common share) for the third quarter of fiscal year 2024, and an annual dividend amount of Won 298,285 million (Won 804 per common share) for fiscal year 2024. |
| 1.6. | Amendments to the Articles of Incorporation |
[Not required to be disclosed in quarterly reports]
| 2. | Business |
| 2.1. | Results of Operations |
| (Unit: in millions of Won) | ||||||||||||||||
| For the three months ended March 31, 2026 |
For the three months ended March 31, 2025 |
For the year ended December 31, 2025 |
For the year ended December 31, 2024 |
|||||||||||||
| Net interest income |
3,334,822 | 3,262,165 | 13,073,093 | 12,826,714 | ||||||||||||
| Interest income |
7,159,729 | 7,454,941 | 29,156,100 | 30,491,385 | ||||||||||||
| Interest expense |
(3,824,907 | ) | (4,192,776 | ) | (16,083,007 | ) | (17,664,671 | ) | ||||||||
| Net fee and commission income |
1,359,329 | 934,048 | 4,098,287 | 3,849,627 | ||||||||||||
| Fee and commission income |
1,810,375 | 1,330,233 | 5,773,521 | 5,481,843 | ||||||||||||
| Fee and commission expense |
(451,046 | ) | (396,185 | ) | (1,675,234 | ) | (1,632,216 | ) | ||||||||
| Insurance service result |
343,641 | 437,753 | 1,303,373 | 1,649,761 | ||||||||||||
| Insurance income |
3,132,257 | 3,107,811 | 12,376,546 | 11,456,191 | ||||||||||||
| Insurance expense |
(2,788,616 | ) | (2,670,058 | ) | (11,073,173 | ) | (9,806,430 | ) | ||||||||
| Net gains on financial assets/liabilities at fair value through profit or loss |
366,844 | 546,218 | 3,380,205 | 1,012,081 | ||||||||||||
| Other insurance finance expenses |
(354,306 | ) | (139,570 | ) | (1,026,721 | ) | (437,001 | ) | ||||||||
| Net other operating expenses |
(64,581 | ) | (486,424 | ) | (2,883,075 | ) | (1,873,011 | ) | ||||||||
| General and administrative expenses |
(1,764,914 | ) | (1,605,565 | ) | (7,064,573 | ) | (6,938,624 | ) | ||||||||
| Operating profit before provision for credit losses |
3,220,835 | 2,948,625 | 10,880,589 | 10,089,547 | ||||||||||||
| Provision for credit losses |
(493,269 | ) | (655,597 | ) | (2,362,878 | ) | (2,044,286 | ) | ||||||||
| Net operating profit |
2,727,566 | 2,293,028 | 8,517,711 | 8,045,261 | ||||||||||||
Notes: (1) Based on K-IFRS (on a consolidated basis).
| 2.2. | Sources and Uses of Funds |
2.2.1. Sources of Funds
| (Unit: in millions of Won) | ||||||||||||||||||||||||||||||||||||||
| For the three months ended March 31, 2026 |
For the year ended December 31, 2025 |
For the year ended December 31, 2024 |
||||||||||||||||||||||||||||||||||||
| Average Balance |
Interest Rate (%) |
Ratio (%) |
Average Balance |
Interest Rate (%) |
Ratio (%) |
Average Balance |
Interest Rate (%) |
Ratio (%) |
||||||||||||||||||||||||||||||
| Won Currency |
Deposits |
385,233,954 | 1.87 | 48.07 | 375,826,777 | 2.07 | 48.43 | 359,346,604 | 2.45 | 48.87 | ||||||||||||||||||||||||||||
| Certificate of deposit |
12,772,355 | 2.88 | 1.59 | 10,813,731 | 2.99 | 1.39 | 11,148,293 | 3.84 | 1.52 | |||||||||||||||||||||||||||||
| Borrowings |
36,392,872 | 2.50 | 4.54 | 35,428,675 | 2.67 | 4.57 | 32,774,664 | 3.47 | 4.46 | |||||||||||||||||||||||||||||
| Call money |
1,040,769 | 2.58 | 0.13 | 1,885,958 | 2.65 | 0.24 | 1,747,858 | 3.43 | 0.24 | |||||||||||||||||||||||||||||
| Debentures |
64,567,637 | 3.39 | 8.06 | 61,625,699 | 3.50 | 7.94 | 58,497,966 | 3.67 | 7.96 | |||||||||||||||||||||||||||||
| Others |
31,315,475 | 3.29 | 3.91 | 28,701,227 | 3.23 | 3.70 | 24,034,767 | 4.09 | 3.26 | |||||||||||||||||||||||||||||
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| Subtotal |
531,323,062 | 2.21 | 66.30 | 514,282,067 | 2.37 | 66.27 | 487,550,152 | 2.78 | 66.31 | |||||||||||||||||||||||||||||
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| Foreign Currency |
Deposits |
44,335,750 | 2.87 | 5.53 | 40,646,841 | 3.34 | 5.24 | 37,798,747 | 4.12 | 5.14 | ||||||||||||||||||||||||||||
| Borrowings |
17,228,396 | 3.40 | 2.15 | 17,858,282 | 3.77 | 2.30 | 18,638,964 | 4.60 | 2.54 | |||||||||||||||||||||||||||||
| Call money |
2,148,414 | 4.78 | 0.27 | 2,007,760 | 4.61 | 0.26 | 1,796,999 | 5.16 | 0.24 | |||||||||||||||||||||||||||||
| Debentures |
15,955,688 | 3.15 | 1.99 | 15,507,931 | 3.11 | 2.00 | 14,573,073 | 3.29 | 1.98 | |||||||||||||||||||||||||||||
| Others |
1,899,233 | 3.21 | 0.24 | 1,558,313 | 3.83 | 0.20 | 1,166,042 | 4.38 | 0.16 | |||||||||||||||||||||||||||||
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| Subtotal |
81,567,481 | 3.09 | 10.18 | 77,579,127 | 3.44 | 10.00 | 73,973,825 | 4.11 | 10.06 | |||||||||||||||||||||||||||||
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| Others |
Total shareholders’ equity |
61,040,528 | — | 7.62 | 61,917,273 | — | 7.98 | 59,062,845 | — | 8.03 | ||||||||||||||||||||||||||||
| Allowances |
1,267,957 | — | 0.16 | 966,209 | — | 0.12 | 1,530,852 | — | 0.21 | |||||||||||||||||||||||||||||
| Others |
126,191,304 | — | 15.74 | 121,265,897 | — | 15.63 | 113,145,013 | — | 15.39 | |||||||||||||||||||||||||||||
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| Subtotal |
188,499,789 | — | 23.52 | 184,149,379 | — | 23.73 | 173,738,710 | — | 23.63 | |||||||||||||||||||||||||||||
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| Total |
801,390,332 | — | 100.00 | 776,010,573 | — | 100.00 | 735,262,687 | — | 100.00 | |||||||||||||||||||||||||||||
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Notes: (1) Based on K-IFRS (on a consolidated basis).
2.2.2. Uses of Funds
| (Unit: in millions of Won) | ||||||||||||||||||||||||||||||||||||||
| For the three months ended March 31, 2026 |
For the year ended December 31, 2025 |
For the year ended December 31, 2024 |
||||||||||||||||||||||||||||||||||||
| Average Balance |
Interest Rate (%) |
Ratio (%) |
Average Balance |
Interest Rate (%) |
Ratio (%) |
Average Balance |
Interest Rate (%) |
Ratio (%) |
||||||||||||||||||||||||||||||
| Won Currency |
Due from banks | 16,558,878 | 0.59 | 2.07 | 16,153,833 | 0.63 | 2.08 | 15,397,433 | 0.83 | 2.09 | ||||||||||||||||||||||||||||
| Securities | 197,234,500 | 1.41 | 24.61 | 191,925,827 | 2.54 | 24.73 | 180,330,525 | 3.22 | 24.53 | |||||||||||||||||||||||||||||
| Loans | 418,281,744 | 4.06 | 52.19 | 410,776,360 | 4.19 | 52.93 | 390,097,807 | 4.67 | 53.06 | |||||||||||||||||||||||||||||
| Guarantee payments under payment guarantee |
9,283 | 0.81 | — | 8,879 | 1.44 | — | 5,835 | 0.99 | — | |||||||||||||||||||||||||||||
| Call loan |
706,317 | 2.51 | 0.09 | 193,442 | 2.70 | 0.02 | 264,716 | 3.56 | 0.04 | |||||||||||||||||||||||||||||
| Private placement corporate bonds |
1,925,343 | 4.82 | 0.24 | 1,595,705 | 4.56 | 0.21 | 1,127,090 | 5.79 | 0.15 | |||||||||||||||||||||||||||||
| Credit cards | 23,207,512 | 7.67 | 2.90 | 23,257,459 | 7.79 | 3.00 | 23,320,536 | 8.12 | 3.17 | |||||||||||||||||||||||||||||
| Others | 4,632,932 | 15.94 | 0.57 | 4,663,752 | 15.62 | 0.61 | 3,829,387 | 17.76 | 0.53 | |||||||||||||||||||||||||||||
| Allowance | (4,177,592 | ) | — | (0.52 | ) | (4,232,385 | ) | — | (0.55 | ) | (4,193,334 | ) | — | (0.57 | ) | |||||||||||||||||||||||
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| Subtotal |
658,378,917 | 3.42 | 82.15 | 644,342,872 | 3.85 | 83.03 | 610,179,995 | 4.39 | 83.00 | |||||||||||||||||||||||||||||
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| Foreign Currency |
Due from banks |
11,904,389 | 2.31 | 1.49 | 10,736,415 | 2.44 | 1.38 | 9,494,397 | 2.92 | 1.29 | ||||||||||||||||||||||||||||
| Securities | 28,296,349 | 4.52 | 3.53 | 25,475,873 | 5.55 | 3.28 | 23,085,246 | 5.60 | 3.14 | |||||||||||||||||||||||||||||
| Loans |
37,720,245 | 6.75 | 4.71 | 37,399,936 | 6.97 | 4.82 | 37,007,504 | 7.60 | 5.03 | |||||||||||||||||||||||||||||
| Call loan |
5,837,537 | 3.95 | 0.73 | 6,541,166 | 4.31 | 0.84 | 6,018,342 | 5.33 | 0.82 | |||||||||||||||||||||||||||||
| Bills bought |
3,385,657 | 4.10 | 0.42 | 1,837,372 | 4.73 | 0.24 | 1,979,563 | 5.52 | 0.27 | |||||||||||||||||||||||||||||
| Allowance |
(1,586,290 | ) | — | (0.20 | ) | (1,675,021 | ) | — | (0.22 | ) | (1,515,396 | ) | — | (0.21 | ) | |||||||||||||||||||||||
| Others |
2,970,231 | — | 0.37 | 2,571,127 | — | 0.34 | 2,346,259 | — | 0.32 | |||||||||||||||||||||||||||||
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| Subtotal |
88,528,118 | 5.12 | 11.05 | 82,886,868 | 5.71 | 10.68 | 78,415,915 | 6.23 | 10.66 | |||||||||||||||||||||||||||||
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| Others |
Cash |
1,661,371 | — | 0.21 | 1,466,760 | — | 0.19 | 1,576,791 | — | 0.21 | ||||||||||||||||||||||||||||
| Fixed assets held for business |
8,688,807 | — | 1.08 | 9,107,641 | — | 1.17 | 9,391,370 | — | 1.28 | |||||||||||||||||||||||||||||
| Others |
44,133,119 | — | 5.51 | 38,206,432 | — | 4.93 | 35,698,616 | — | 4.85 | |||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||||||
| Subtotal |
54,483,297 | — | 6.80 | 48,780,833 | — | 6.29 | 46,666,777 | — | 6.34 | |||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||||||
| Total |
801,390,332 | — | 100.00 | 776,010,573 | — | 100.00 | 735,262,687 | — | 100.00 | |||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||||||
Notes: (1) Based on K-IFRS (on a consolidated basis).
2.3. Other Information to Consider in Making an Investment Decision
2.3.1. Capital Adequacy
| KB Financial Group | (Unit: in billions of Won, except percentages) | |||||||||||
| As of March 31, 2026 | As of December 31, 2025 | As of December 31, 2024 | ||||||||||
| Total capital (A) |
57,651 | 57,845 | 56,849 | |||||||||
| Risk-weighted assets (B) |
365,983 | 356,996 | 345,981 | |||||||||
| BIS ratio (A/B) |
15.75% | 16.20% | 16.43% | |||||||||
| Notes: | (1) Calculated in accordance with Basel III. |
| (2) The figures as of March 31, 2026 are preliminary. |
| Kookmin Bank | (Unit: in billions of Won, except percentages) | |||||||||||
| As of March 31, 2026 | As of December 31, 2025 | As of December 31, 2024 | ||||||||||
| Total capital (A) |
42,270 | 41,605 | 40,574 | |||||||||
| Risk-weighted assets (B) |
247,012 | 240,740 | 234,436 | |||||||||
| BIS ratio (A/B) |
17.10 | 17.28 | 17.31 | |||||||||
| Notes: | (1) Calculated in accordance with Basel III. |
| (2) The figures as of March 31, 2026 are preliminary. |
| KB Securities Co., Ltd. | (Unit: in billions of Won, except percentages) | |||||||||||
|
As of March 31, 2026 |
As of December 31, 2025 |
As of December 31, 2024 |
||||||||||
| Net operating capital (A) |
6,153 | 5,140 | 5,397 | |||||||||
| Total amount at risk (B) |
3,192 | 3,184 | 3,176 | |||||||||
| Maintenance equity margin (C) |
136 | 136 | 134 | |||||||||
| Net capital ratio (A-B)/(C) |
2,184.06% | 1,442.13% | 1,654.45% | |||||||||
| Capital surplus (A-B) |
2,962 | 1,956 | 2,221 | |||||||||
| KB Insurance Co., Ltd. | (Unit: in billions of Won, except percentages) | |||||||||||
| As of March 31, 2026(1) | As of December 31, 2025 | As of December 31, 2024 | ||||||||||
| Available capital (A) |
12,464 | 12,191 | 11,319 | |||||||||
| Required capital (B) |
6,630 | 6,365 | 6,072 | |||||||||
| Capital adequacy ratio (A/B)(2) |
188.01 | 191.54 | 186.42 | |||||||||
| Notes: | (1) The figures as of March 31, 2026 are preliminary. |
2.3.2. Overseas Credit Ratings
[Not required to be disclosed in quarterly reports]
2.3.3. Domestic Credit Ratings
[Not required to be disclosed in quarterly reports]
2.3.4. Early Retirement Program
To enhance productivity by improving its labor structure, Kookmin Bank implemented a voluntary early retirement program following negotiations with its labor union.
| Subsidiary |
Date of Retirement |
Number of Retired Persons | ||
| Kookmin Bank | January 28, 2019 | 615 | ||
| January 20, 2020 | 462 | |||
| January 30, 2021 | 800 | |||
| January 21, 2022 | 674 | |||
| January 18, 2023 | 713 | |||
| January 19, 2024 | 674 | |||
| January 18, 2025 | 647 | |||
| January 20, 2026 | 550 |
2.3.5. Other Factors Affecting the Group’s Financial Condition and Results of Operations
The economic outlook for Korea and its financial services sector in the remainder of 2026 and for the foreseeable future remains highly uncertain as a result of, among others, (i) volatile conditions in the Korean and global economies and financial markets resulting from interest and exchange rate fluctuations, a slowdown in the rate of economic growth, high levels of inflation as a result of increases in the price of energy, subdued domestic consumption, stock market and real estate market volatility, rising loan delinquency rates in Korea and changes in fiscal and monetary policies, among others, and (ii) adverse conditions in the Korean and global economies and financial markets resulting from geopolitical uncertainties, including as a result of the imposition of significant tariffs by the United States on its trading partners and other escalations in trade protectionism globally, changes in the global policies of the United States, the ongoing military conflicts in the Middle East (between Iran and other countries, including the United States and Israel), among others.
| 3. | Financial Information |
| 3.1. | Consolidated Financial Information |
3.1.1. Consolidated Statements of Financial Position
| (Unit: in millions of Won) | ||||||||
| As of March 31, 2026 | As of December 31, 2025 | |||||||
| Cash and due from financial institutions |
32,538,472 | 34,776,877 | ||||||
| Financial assets at fair value through profit or loss |
94,367,465 | 89,862,530 | ||||||
| Derivative financial assets |
12,311,508 | 8,178,056 | ||||||
| Loans measured at amortized cost |
494,353,167 | 491,978,044 | ||||||
| Financial investments |
135,183,684 | 134,986,677 | ||||||
| Investments in associates and joint ventures |
1,023,123 | 1,137,184 | ||||||
| Insurance assets |
364,859 | 271,152 | ||||||
| Reinsurance assets |
1,443,857 | 1,515,854 | ||||||
| Property and equipment |
5,111,285 | 5,133,801 | ||||||
| Investment property |
3,238,878 | 3,224,180 | ||||||
| Intangible assets |
1,589,476 | 1,609,427 | ||||||
| Net defined benefit assets |
371,151 | 353,366 | ||||||
| Current income tax assets |
419,693 | 388,589 | ||||||
| Deferred income tax assets |
196,211 | 193,034 | ||||||
| Assets held for sale |
168,940 | 174,919 | ||||||
| Assets of disposal groups held for sale |
111,541 | 94,215 | ||||||
| Other assets |
46,947,517 | 24,045,128 | ||||||
|
|
|
|
|
|||||
| Total assets |
829,740,827 | 797,923,033 | ||||||
|
|
|
|
|
|||||
| Financial liabilities at fair value through profit or loss |
11,490,922 | 11,320,590 | ||||||
| Derivative financial liabilities |
12,108,194 | 8,234,289 | ||||||
| Deposits |
469,093,134 | 462,397,026 | ||||||
| Borrowings |
71,315,372 | 70,728,396 | ||||||
| Debentures |
79,519,555 | 80,049,270 | ||||||
| Insurance contract liabilities |
54,428,535 | 56,790,030 | ||||||
| Reinsurance contract liabilities |
52,133 | 59,648 | ||||||
| Provisions |
1,353,787 | 1,264,390 | ||||||
| Net defined benefit liabilities |
85,381 | 100,088 | ||||||
| Current income tax liabilities |
792,071 | 610,484 | ||||||
| Deferred income tax liabilities |
1,987,239 | 1,819,080 | ||||||
| Liabilities of disposal groups held for sale |
73,340 | 68,290 | ||||||
| Other liabilities |
66,301,028 | 43,651,463 | ||||||
|
|
|
|
|
|||||
| Total liabilities |
768,600,691 | 737,093,044 | ||||||
|
|
|
|
|
|||||
| Equity attributable to shareholders of the parent company |
59,348,945 | 59,048,211 | ||||||
| As of March 31, 2026 | As of December 31, 2025 | |||||||
| Share capital |
2,090,558 | 2,090,558 | ||||||
| Hybrid securities |
3,940,317 | 4,359,388 | ||||||
| Capital surplus |
9,102,701 | 16,633,518 | ||||||
| Accumulated other comprehensive income (losses) |
(496,564 | ) | (467,456 | ) | ||||
| Retained earnings |
46,394,648 | 38,333,741 | ||||||
| Treasury shares |
(1,682,715 | ) | (1,901,538 | ) | ||||
| Non-controlling interests |
1,791,191 | 1,781,778 | ||||||
|
|
|
|
|
|||||
| Total equity |
61,140,136 | 60,829,989 | ||||||
|
|
|
|
|
|||||
| Total liabilities and equity |
829,740,827 | 797,923,033 | ||||||
|
|
|
|
|
|||||
| Number of companies included as consolidated entities |
378 | 376 | ||||||
|
|
|
|
|
|||||
3.1.2. Consolidated Statements of Comprehensive Income
| (Unit: in millions of Won, except per share amounts) | ||||||||||||||||
| First Quarter of 2026 | First Quarter of 2025 | |||||||||||||||
| First Quarter | Cumulative | First Quarter | Cumulative | |||||||||||||
| Net interest income |
3,334,822 | 3,334,822 | 3,262,165 | 3,262,165 | ||||||||||||
| Interest income |
7,159,729 | 7,159,729 | 7,454,941 | 7,454,941 | ||||||||||||
| Interest income from financial instruments at fair value through other comprehensive income and amortized cost |
6,783,441 | 6,783,441 | 7,082,796 | 7,082,796 | ||||||||||||
| Interest income from financial instruments at fair value through profit or loss |
364,819 | 364,819 | 362,055 | 362,055 | ||||||||||||
| Insurance finance interest income |
11,469 | 11,469 | 10,090 | 10,090 | ||||||||||||
| Interest expense |
(3,824,907 | ) | (3,824,907 | ) | (4,192,776 | ) | (4,192,776 | ) | ||||||||
| Interest expense |
(3,421,844 | ) | (3,421,844 | ) | (3,810,634 | ) | (3,810,634 | ) | ||||||||
| Insurance finance interest expense |
(403,063 | ) | (403,063 | ) | (382,142 | ) | (382,142 | ) | ||||||||
| Net fee and commission income |
1,359,329 | 1,359,329 | 934,048 | 934,048 | ||||||||||||
| Fee and commission income |
1,810,375 | 1,810,375 | 1,330,233 | 1,330,233 | ||||||||||||
| Fee and commission expense |
(451,046 | ) | (451,046 | ) | (396,185 | ) | (396,185 | ) | ||||||||
| Net insurance income |
343,641 | 343,641 | 437,753 | 437,753 | ||||||||||||
| Insurance income |
3,132,257 | 3,132,257 | 3,107,811 | 3,107,811 | ||||||||||||
| Insurance income |
3,009,677 | 3,009,677 | 2,835,068 | 2,835,068 | ||||||||||||
| Reinsurance income |
122,580 | 122,580 | 272,743 | 272,743 | ||||||||||||
| Insurance expense |
(2,788,616 | ) | (2,788,616 | ) | (2,670,058 | ) | (2,670,058 | ) | ||||||||
| Insurance service expense |
(2,582,976 | ) | (2,582,976 | ) | (2,464,199 | ) | (2,464,199 | ) | ||||||||
| Reinsurance expense |
(205,640 | ) | (205,640 | ) | (205,859 | ) | (205,859 | ) | ||||||||
| Net gains on financial assets/liabilities at fair value through profit or loss |
366,844 | 366,844 | 546,218 | 546,218 | ||||||||||||
| Other insurance finance income (expenses) |
(354,306 | ) | (354,306 | ) | (139,570 | ) | (139,570 | ) | ||||||||
| Net other operating expenses |
(64,581 | ) | (64,581 | ) | (486,424 | ) | (486,424 | ) | ||||||||
| General and administrative expenses |
(1,764,914 | ) | (1,764,914 | ) | (1,605,565 | ) | (1,605,565 | ) | ||||||||
| Operating income before provision for credit losses |
3,220,835 | 3,220,835 | 2,948,625 | 2,948,625 | ||||||||||||
| Provision for credit losses |
(493,269 | ) | (493,269 | ) | (655,597 | ) | (655,597 | ) | ||||||||
| Net operating income |
2,727,566 | 2,727,566 | 2,293,028 | 2,293,028 | ||||||||||||
| Net non-operating income (expenses) |
(96,426 | ) | (96,426 | ) | 13,578 | 13,578 | ||||||||||
| Share of profit of associates and joint ventures |
20,224 | 20,224 | 5,448 | 5,448 | ||||||||||||
| Net other non-operating income (expenses) |
(116,650 | ) | (116,650 | ) | 8,130 | 8,130 | ||||||||||
| Profit before income tax expense |
2,631,140 | 2,631,140 | 2,306,606 | 2,306,606 | ||||||||||||
| Income tax expense |
(714,671 | ) | (714,671 | ) | (607,484 | ) | (607,484 | ) | ||||||||
| Profit for the period |
1,916,469 | 1,916,469 | 1,699,122 | 1,699,122 | ||||||||||||
| Other comprehensive loss for the period, net of tax |
(19,067 | ) | (19,067 | ) | (907,740 | ) | (907,740 | ) | ||||||||
| First Quarter of 2026 | First Quarter of 2025 | |||||||||||||||
| First Quarter | Cumulative | First Quarter | Cumulative | |||||||||||||
| Items that will not be reclassified to profit or loss: |
||||||||||||||||
| Remeasurements of net defined benefit liabilities |
(9,533 | ) | (9,533 | ) | (7,427 | ) | (7,427 | ) | ||||||||
| Share of other comprehensive income of associates and joint ventures |
27 | 27 | 0 | 0 | ||||||||||||
| Gains on equity securities at fair value through other comprehensive income |
33,397 | 33,397 | 44,423 | 44,423 | ||||||||||||
| Fair value changes of financial liabilities designated at fair value through profit or loss due to own credit risk |
(1,279 | ) | (1,279 | ) | (5,845 | ) | (5,845 | ) | ||||||||
| Items that may be reclassified subsequently to profit or loss: |
||||||||||||||||
| Currency translation differences |
278,179 | 278,179 | (14,466 | ) | (14,466 | ) | ||||||||||
| Gains (losses) on debt securities at fair value through other comprehensive income |
(2,333,841 | ) | (2,333,841 | ) | 911,031 | 911,031 | ||||||||||
| Share of other comprehensive income of associates and joint ventures |
1,264 | 1,264 | 124 | 124 | ||||||||||||
| Gains (losses) on cash flow hedging instruments |
(244,355 | ) | (244,355 | ) | 31,501 | 31,501 | ||||||||||
| Gains (losses) on hedging instruments of net investments in foreign operations |
(82,434 | ) | (82,434 | ) | 3,524 | 3,524 | ||||||||||
| Insurance finance income (expenses) |
2,339,508 | 2,339,508 | (1,870,605 | ) | (1,870,605 | ) | ||||||||||
| Total comprehensive income for the period |
1,897,402 | 1,897,402 | 791,382 | 791,382 | ||||||||||||
| Profit attributable to: |
||||||||||||||||
| Shareholders of the parent company |
1,892,401 | 1,892,401 | 1,697,271 | 1,697,271 | ||||||||||||
| Non-controlling interests |
24,068 | 24,068 | 1,851 | 1,851 | ||||||||||||
| Total comprehensive income for the period attributable to: |
||||||||||||||||
| Shareholders of the parent company |
1,864,440 | 1,864,440 | 797,586 | 797,586 | ||||||||||||
| Non-controlling interests |
32,962 | 32,962 | (6,204 | ) | (6,204 | ) | ||||||||||
| Earnings per share |
||||||||||||||||
| Basic earnings per share (Won) |
5,165 | 5,165 | 4,429 | 4,429 | ||||||||||||
| Diluted earnings per share (Won) |
5,120 | 5,120 | 4,384 | 4,384 | ||||||||||||
| 3.2. | Separate Financial Information |
3.2.1. Separate Statements of Financial Position
| (Unit: in millions of Won) | ||||||||
| As of March 31, 2026 | As of December 31, 2025 | |||||||
| Cash and due from financial institutions |
1,454,746 | 974,585 | ||||||
| Financial assets at fair value through profit or loss |
1,191,853 | 1,251,607 | ||||||
| Loans measured at amortized cost |
349,112 | 349,112 | ||||||
| Investments in subsidiaries |
27,567,817 | 26,867,817 | ||||||
| Property and equipment |
4,172 | 2,896 | ||||||
| Intangible assets |
12,938 | 13,207 | ||||||
| Net defined benefit assets |
2,532 | 3,058 | ||||||
| Deferred income tax assets |
10,005 | 9,354 | ||||||
| Other assets |
1,513,538 | 1,381,504 | ||||||
|
|
|
|
|
|||||
| Total assets |
32,106,713 | 30,853,140 | ||||||
|
|
|
|
|
|||||
| Borrowings |
500,000 | — | ||||||
| Debentures |
4,890,224 | 4,520,297 | ||||||
| Current income tax liabilities |
761,295 | 544,056 | ||||||
| Other liabilities |
1,367,473 | 853,551 | ||||||
|
|
|
|
|
|||||
| Total liabilities |
7,518,992 | 5,917,904 | ||||||
|
|
|
|
|
|||||
| Share capital |
2,090,558 | 2,090,558 | ||||||
| Hybrid securities |
3,940,200 | 4,359,256 | ||||||
| Capital surplus |
7,221,661 | 14,751,591 | ||||||
| Accumulated other comprehensive loss |
(8,663 | ) | (8,601 | ) | ||||
| Retained earnings |
13,026,680 | 5,643,970 | ||||||
| Treasury Shares |
(1,682,715 | ) | (1,901,538 | ) | ||||
|
|
|
|
|
|||||
| Total equity |
24,587,721 | 24,935,236 | ||||||
|
|
|
|
|
|||||
| Total liabilities and equity |
32,106,713 | 30,853,140 | ||||||
|
|
|
|
|
|||||
3.2.2. Separate Statements of Comprehensive Income
| (Unit: in millions of Won, except per share amounts) |
||||||||||||||||
| First Quarter of 2026 | First Quarter of 2025 | |||||||||||||||
| First Quarter | Cumulative | First Quarter | Cumulative | |||||||||||||
| Net interest expense |
(26,274 | ) | (26,274 | ) | (23,164 | ) | (23,164 | ) | ||||||||
| Interest income |
7,132 | 7,132 | 5,527 | 5,527 | ||||||||||||
| Interest income from financial instruments at amortized cost |
6,136 | 6,136 | 4,685 | 4,685 | ||||||||||||
| Interest income from financial instruments at fair value through profit or loss |
996 | 996 | 842 | 842 | ||||||||||||
| Interest expense |
(33,406 | ) | (33,406 | ) | (28,691 | ) | (28,691 | ) | ||||||||
| Net fee and commission expense |
(1,150 | ) | (1,150 | ) | (1,790 | ) | (1,790 | ) | ||||||||
| Fee and commission income |
471 | 471 | 472 | 472 | ||||||||||||
| Fee and commission expense |
(1,621 | ) | (1,621 | ) | (2,262 | ) | (2,262 | ) | ||||||||
| Net gains on financial assets at fair value through profit or loss |
7,474 | 7,474 | 25,451 | 25,451 | ||||||||||||
| Net other operating income |
1,265,231 | 1,265,231 | 2,355,586 | 2,355,586 | ||||||||||||
| General and administrative expenses |
(29,231 | ) | (29,231 | ) | (22,168 | ) | (22,168 | ) | ||||||||
| Operating profit before Reversal for credit losses |
1,216,050 | 1,216,050 | 2,333,915 | 2,333,915 | ||||||||||||
| Reversal for credit losses |
1 | 1 | 1 | 1 | ||||||||||||
| Operating profit |
1,216,051 | 1,216,051 | 2,333,916 | 2,333,916 | ||||||||||||
| Net non-operating income |
490 | 490 | 67 | 67 | ||||||||||||
| Profit before income tax |
1,216,541 | 1,216,541 | 2,333,983 | 2,333,983 | ||||||||||||
| Income tax income (expense) |
627 | 627 | (7,390 | ) | (7,390 | ) | ||||||||||
| Profit for the year |
1,217,168 | 1,217,168 | 2,326,593 | 2,326,593 | ||||||||||||
| Other comprehensive loss for the year, net of tax |
(62 | ) | (62 | ) | (11 | ) | (11 | ) | ||||||||
| Items that will not be reclassified to profit or loss: |
||||||||||||||||
| Remeasurements of net defined benefit liabilities |
(62 | ) | (62 | ) | (11 | ) | (11 | ) | ||||||||
|
|
|
|
|
|
|
|
|
|||||||||
| Total comprehensive income for the year |
1,217,106 | 1,217,106 | 2,326,582 | 2,326,582 | ||||||||||||
|
|
|
|
|
|
|
|
|
|||||||||
| Earnings per share |
||||||||||||||||
| Basic earnings per share (Won) |
3,277 | 3,277 | 6,121 | 6,121 | ||||||||||||
| Diluted earnings per share (Won) |
3,249 | 3,249 | 6,058 | 6,058 | ||||||||||||
| 3.3. | Other Selected Financial Data |
3.3.1. Won-denominated Liquidity Ratio
| (Unit: in millions of Won, except percentages) | ||||||||||||
| As of March 31, 2026 | As of December 31, 2025 | As of December 31, 2024 | ||||||||||
| Current assets in Won (A) |
2,337,842 | 1,535,482 | 592,591 | |||||||||
| Current liabilities in Won (B) |
1,676,641 | 500,481 | 383,862 | |||||||||
| Liquidity ratio (A/B) |
139.44 | % | 306.80 | % | 154.38 | % | ||||||
| Notes: (1) | Based on K-IFRS (on a separate basis). |
| (2) | Calculated based on Won-denominated assets and liabilities due within one month. |
3.3.2. Profitability Ratios
| (Unit: %) | ||||||||
| For the three months ended March 31, 2026 |
For the year ended |
For the year ended | ||||||
| Net income as a percentage of average total assets (ROA) |
0.96 | 0.75 | 0.68 | |||||
| Net income as a percentage of average shareholders’ equity (ROE) |
12.96 | 9.93 | 8.87 | |||||
3.3.3. 20 Largest Exposures of Kookmin Bank by Borrower (As of March 31, 2026)
| (Unit: in billions of Won) | ||||
| Company |
Credit Extended | |||
| Samsung Electronics Co., Ltd. |
2,119 | |||
| HD Hyundai Heavy Industries Co., Ltd. |
1,907 | |||
| NH-Amundi Asset Management |
1,581 | |||
| SK on Co., Ltd. |
1,503 | |||
| Samsung Heavy Industries Co., Ltd. |
1,433 | |||
| KB Kookmin Card Co., Ltd |
1,416 | |||
| Samsung SDI Co., Ltd. |
1,273 | |||
| Samsung Asset Management Co., Ltd. |
1,200 | |||
| Hanwha Solutions Corporation |
1,169 | |||
| E-MART Inc. |
1,050 | |||
| POSCO INTERNATIONAL |
1,020 | |||
| LS MnM Inc. |
950 | |||
| HARIM Industrial CO., LTD. |
942 | |||
| Construction Guarantee |
939 | |||
| SK Innovation Co., Ltd. |
937 | |||
| Strada Holdco L.P. |
923 | |||
| Hanwha Aerospace Co., Ltd. |
913 | |||
| Shinhan Card Co., Ltd. |
814 | |||
| LG Energy Solution, Ltd. |
805 | |||
| Samsung Card Co., Ltd. |
805 | |||
|
|
|
|||
| Total |
23,697 | |||
|
|
|
|||
3.3.4. 10 Largest Exposures of Kookmin Bank by Chaebol Group (As of March 31, 2026)
| (Unit: in billions of Won) | ||||
| Group |
Credit Extended | |||
| SK |
6,608 | |||
| Hyundai Motor |
3,682 | |||
| Samsung |
8,157 | |||
| Lotte |
3,648 | |||
| LG |
2,010 | |||
| Hanwha |
5,468 | |||
| POSCO |
1,766 | |||
| GS |
1,214 | |||
| Hanjin |
651 | |||
| Shinsegae |
1,539 | |||
|
|
|
|||
| Total |
34,743 | |||
|
|
|
|||
3.3.5. Kookmin Bank’s Loan Concentration by Industry (As of March 31, 2026)
| (Unit: in billions of Won, except percentages) | ||||||||
| Industry |
Total Credit |
Percentage of Total Credit |
||||||
| Manufacturing |
67,142 | 28.21 | ||||||
| Construction |
4,302 | 1.81 | ||||||
| Real estate activities |
60,820 | 25.56 | ||||||
| Wholesale and retail trade |
33,344 | 14.01 | ||||||
| Accommodation and food service activities |
11,947 | 5.02 | ||||||
| Financial activities |
11,006 | 4.62 | ||||||
| Others |
49,434 | 20.77 | ||||||
|
|
|
|
|
|||||
| Total |
237,994 | 100.00 | ||||||
|
|
|
|
|
|||||
3.3.6. Top 20 Non-Performing Loans of Kookmin Bank (As of March 31, 2026)
| (Unit: in billions of Won) | ||||||||||
| Borrower |
Industry |
Total Credit | Allowance for Loan Losses |
|||||||
| Borrower A |
Real estate activities | 150 | 67 | |||||||
| Borrower B |
Real estate activities | 40 | 22 | |||||||
| Borrower C |
Construction | 37 | 36 | |||||||
| Borrower D |
Real estate activities | 35 | 10 | |||||||
| Borrower E |
Wholesale and retail trade | 17 | 14 | |||||||
| Borrower F |
Real estate activities | 15 | 8 | |||||||
| Borrower G |
Arts, sports and recreation related services | 13 | 2 | |||||||
| Borrower H |
Manufacturing | 10 | 6 | |||||||
| Borrower I |
Construction | 10 | 10 | |||||||
| Borrower J |
Information and communications | 9 | 9 | |||||||
| Borrower K |
Real estate activities | 9 | 0 | |||||||
| Borrower L |
Wholesale and retail trade | 8 | 4 | |||||||
| Borrower M |
Real estate activities | 8 | 1 | |||||||
| Borrower N |
Manufacturing | 8 | 2 | |||||||
| Borrower O |
Construction | 7 | 3 | |||||||
| Borrower P |
Wholesale and retail trade | 7 | 4 | |||||||
| Borrower Q |
Wholesale and retail trade | 7 | 4 | |||||||
| Borrower R |
Wholesale and retail trade | 7 | 2 | |||||||
| Borrower S |
Real estate activities | 6 | 1 | |||||||
| Borrower T |
Construction | 6 | 6 | |||||||
|
|
|
|
|
|||||||
| — |
— | 407 | 210 | |||||||
|
|
|
|
|
|||||||
| 3.4. | Other Financial Information |
See Exhibits 99.1 and 99.2 attached hereto for our consolidated and separate financial statements and relevant notes, which have been prepared in accordance with K-IFRS and reviewed by our independent auditors as stated in their review reports included therein. The review reports will also be available on our website at www.kbfg.com.
| 4. | Independent Public Accountants |
| 4.1. | Audit / Review Services |
| (Unit: in millions of Won) | ||||||||||||||||
| Period |
Auditor |
Activity |
Agreed Per Contract | Actual | ||||||||||||
| Compensation | Estimated Hours |
Compensation | Accrued Hours | |||||||||||||
| January 1 to March 31, 2026 |
Samil PricewaterhouseCoopers | Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting) | 1,303 | 10,935 | 1,303 | 1,536 | ||||||||||
| January 1 to December 31, 2025 |
Samil PricewaterhouseCoopers | Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting) | 1,333 | 11,600 | 1,333 | 10,634 | ||||||||||
| January 1 to December 31, 2024 |
Samil PricewaterhouseCoopers | Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting) | 1,296 | 10,970 | 1,296 | 10,136 | ||||||||||
| 4.2. | Public Company Accounting Oversight Board (“PCAOB”) Audit Services |
| (Unit: in millions of Won) | ||||||||||
| Period |
Auditor |
Activity |
Service Period |
Compensation | ||||||
| January 1 to March 31, 2026 |
Samil Pricewaterhouse Coopers |
PCAOB audit of consolidated financial statements and internal control over financial reporting | May 1, 2026 to April 30, 2027 |
809 | ||||||
| January 1 to December 31, 2025 |
Samil Pricewaterhouse Coopers |
PCAOB audit of consolidated financial statements and internal control over financial reporting | May 1, 2025 to April 30, 2026 |
827 | ||||||
| January 1 to December 31, 2024 |
Samil Pricewaterhouse Coopers |
PCAOB audit of consolidated financial statements and internal control over financial reporting | May 1, 2024 to April 30, 2025 |
804 | ||||||
| 4.3. | Change in Auditor |
Pursuant to the Act on External Audit of Stock Companies and the related regulations thereunder, the Securities and Futures Commission under the Financial Services Commission had designated KPMG Samjong Accounting Corp. as the external auditor for the Company for the fiscal years ended December 31, 2020, 2021 and 2022. Following the end of KPMG Samjong Accounting Corp.’s designated period as the Company’s external auditor, the Company selected Samil PricewaterhouseCoopers to be its new external auditor for the fiscal years ending December 31, 2023, 2024 and 2025, in accordance with the criteria and processes set forth by relevant laws and regulations.
| 5. | Corporate Governance and Affiliated Companies |
| 5.1. | Board of Directors & Committees under the Board |
[Not required to be disclosed in quarterly reports]
| 5.2. | Audit Committee |
[Not required to be disclosed in quarterly reports]
| 5.3. | Compensation to Directors |
[Not required to be disclosed in quarterly reports]
| 5.4. | Top 5 Highest-Paid Individuals |
[Not required to be disclosed in quarterly reports]
| 5.5. | Stock-based Compensation |
[Not required to be disclosed in quarterly reports]
| 5.6. | Affiliated Companies |
[Not required to be disclosed in quarterly reports]
| 6. | Directors, Senior Management and Employees |
| 6.1. | Executive Directors |
As of March 31, 2026, we had one executive director. The name, position and the end of the term of our executive director and the number of shares of our common stock he owned as of March 31, 2026 are set forth below.
| Name |
Date of Birth |
Position |
Common Shares Owned |
End of Term | ||||
| Jong Hee Yang |
June 1961 | Chairman & Chief Executive Officer | 5,914 | November 20, 2026 |
| 6.2. | Non-standing Directors |
As of March 31, 2026, we had one non-standing director. The name, position and the end of the term of our non-standing director and the number of shares of our common stock he owned as of March 31, 2026 are set forth below.
| Name |
Date of Birth |
Position |
Common Shares Owned |
End of Term(1) | ||||
| Hwan Ju Lee |
October 1964 | Non-standing Director | 4,131 | March 25, 2027 |
| Note: (1) | The date designated as Mr. Hwan Ju Lee’s end of term is the date of the annual general meeting of shareholders for fiscal year 2026, which is expected be held in March 2027. |
| 6.3. | Non-executive Directors |
As of March 31, 2026, we had seven non-executive directors. The name, position and the end of the term of our non-executive directors and the number of shares of our common stock they respectively owned as of March 31, 2026 were as follows.
| Name |
Date of Birth |
Position |
Common Shares Owned |
End of Term | ||||||
| Whajoon Cho |
February 1957 | Non-executive Director | — | March 25, 2027 | ||||||
| Jaehong Choi |
August 1962 | Non-executive Director | — | March 25, 2027 | ||||||
| Eun Young Chah |
October 1962 | Non-executive Director | — | March 25, 2027 | ||||||
| Myong-Hwal Lee |
May 1964 | Non-executive Director | — | March 25, 2027 | ||||||
| Sung-Yong Kim |
March 1966 | Non-executive Director | — | March 25, 2027 | ||||||
| Sun Yeop Kim |
November 1969 | Non-executive Director | — | March 25, 2027 | ||||||
| Jeong Ho Seo |
August 1969 | Non-executive Director | — | March 25, 2028 | ||||||
| 6.4. | Senior Management |
Members of our senior management as of March 31, 2026 are as follows.
| Name |
Date of Birth |
Position |
Common Shares Owned(1) | End of Term | ||||||
| Chang Kwon Lee |
November 1965 | Senior Executive Vice President and Chief Strategy Officer | 3,010 | December 31, 2026 | ||||||
| Jae Keun Lee |
May 1966 | Senior Executive Vice President and Chief Business Officer of Global, Wealth Management and Corporate Finance | 2,119 | December 31, 2026 | ||||||
| Sung Hyun Kim |
August 1963 | Senior Executive Vice President and Chief Business Officer of Corporate Investment Banking and Capital Markets | 20,468 | December 31, 2026 | ||||||
| Young Suh Cho |
February 1971 | Executive Vice President and Deputy Chief Strategy Officer | 2,000 | December 31, 2026 | ||||||
| Seok Mun Choi |
August 1968 | Executive Vice President and Chief Ethics and Compliance Officer | 1,973 | December 31, 2027 | ||||||
| Keoung Nam Kim |
August 1967 | Senior Managing Director and Head of the ESG Division | 2,647 | December 31, 2026 | ||||||
| Sang Rok Na |
August 1972 | Senior Managing Director and Chief Financial Officer | 1,373 | December 31, 2026 | ||||||
| Hong Sun Yum |
February 1971 | Senior Managing Director and Chief Risk Management Officer | 1,144 | December 31, 2026 | ||||||
| Shin Dong Jeung |
January 1966 | Senior Managing Director and Head of KB Research | 2,122 | December 31, 2026 | ||||||
| Young Gi Seo |
August 1965 | Senior Managing Director and Vice Head of KB Research | — | December 31, 2026 | ||||||
| Young June Park |
November 1969 | Senior Managing Director and Head of Audit Department | 854 | December 31, 2026 | ||||||
| Hee Seung Yun |
April 1974 | Managing Director and Chief Business Officer of Insurance | 980 | December 31, 2026 | ||||||
| Dong Wook Joo |
July 1975 | Managing Director and Chief Human Resources Officer | 467 | December 31, 2027 | ||||||
| Seung Ho Kang |
November 1975 | Managing Director and Head of Secretariat | 759 | December 31, 2027 | ||||||
| Sun Hyun Park |
June 1970 | Chief Consumer Protection Officer | 2,517 | December 31, 2027 | ||||||
| Jin Young Park |
September 1972 | Chief Public Relation Officer | 2,700 | December 31, 2026 | ||||||
| Hyoung Joo Park |
July 1971 | Head of AI • DT Initiative Division | 788 | December 31, 2026 | ||||||
| Sang Won Oh |
December 1967 | Head of the IT Division | 1,278 | December 31, 2026 | ||||||
| Kyeong Jong Lee |
February 1978 | Head of the Financial AI Center 2 | 200 | December 31, 2026 | ||||||
| Hyun Jung Lee |
March 1977 | Head of the Customer Experience Design Center | 456 | December 31, 2026 | ||||||
| Byoung Ha Choi |
September 1972 | Head of the Group Architecture Center | 707 | December 31, 2026 | ||||||
| Myoung Hwa Park |
December 1969 | Head of the Planning & Coordination Department | 1,215 | December 31, 2026 | ||||||
| Jae Yong Lee |
June 1968 | Head of Information Security Department | 985 | December 31, 2026 | ||||||
| Note: (1) | The numbers of common shares owned are as of March 31, 2026 and includes those owned in the holder’s name under the employee stock ownership association’s account, and may differ from the number of shares owned as reported pursuant to Article 173 of the Financial Investment Services and Capital Markets Act. |
As of March 31, 2026, the following management also served as senior management at our subsidiaries.
| Name |
Subsidiary |
Position |
Appointment Date | |||
| Hwan Ju Lee |
Kookmin Bank | Chief Executive Officer | January 2025 | |||
| Keoung Nam Kim |
Kookmin Bank | Head of the ESG Division | July 2025 | |||
| Sun Hyun Park |
Kookmin Bank | Senior Executive Vice President, Consumer Protection Group | January 2026 | |||
| Jin Young Park |
Kookmin Bank | Senior Executive Vice President, Brand & PR Group | January 2026 | |||
| Hyoung Joo Park |
Kookmin Bank | Head of AI • DT Initiative Division | January 2026 | |||
| Sang Won Oh |
Kookmin Bank | Senior Executive Vice President, Tech Development Group | January 2024 | |||
| Kyeong Jong Lee |
Kookmin Bank | Managing Director, Head of the Financial AI Center 2 | January 2025 | |||
| Hyun Jung Lee |
Kookmin Bank | Head of the Customer Experience Design Center | January 2025 | |||
| Byoung Ha Choi |
Kookmin Bank | Head of the Tech Development Division | January 2025 | |||
| Myoung Hwa Park |
Kookmin Bank | Head of the Planning & Coordination Department | January 2025 | |||
| Jae Yong Lee |
Kookmin Bank | Managing Director, Head of Information Security Department | August 2022 | |||
| Young Suh Cho |
KB Securities | Non-standing Director | February 2026 | |||
| Sang Rok Na |
KB Insurance | Non-standing Director | February 2025 | |||
| Hee Seung Yun |
KB Asset Management | Non-standing Director | February 2026 | |||
| Dong Wook Joo |
KB Life Insurance | Non-standing Director | March 2026 |
| 6.5. | Employees |
[Not required to be disclosed in quarterly reports]
| 7. | Major Shareholders and Related Party Transactions |
| 7.1. | Major Shareholders |
[Not required to be disclosed in quarterly reports]
| 7.2. | Changes in the Largest Shareholder |
| (Unit: shares, %) | ||||||||||
| Name of Largest Shareholder |
Date of Change in Largest Shareholder/Date of Change in Number of Shares Owned |
Number of Shares of Common Stock(1) |
Percentage of Total Issued Shares(2) |
|||||||
| Korean National Pension Service |
March 31, 2023 | 33,572,593 | 8.21 | |||||||
| Korean National Pension Service |
June 30, 2023 | 33,183,590 | 8.22 | |||||||
| Korean National Pension Service |
September 30, 2023 | 35,321,767 | 8.75 | |||||||
| Korean National Pension Service |
October 6, 2023 | 35,273,578 | 8.74 | |||||||
| Korean National Pension Service |
December 31, 2023 | 33,473,917 | 8.30 | |||||||
| Korean National Pension Service |
February 29, 2024 | 33,704,092 | 8.35 | |||||||
| Korean National Pension Service |
March 31, 2024 | 33,200,471 | 8.23 | |||||||
| Korean National Pension Service |
June 30, 2024 | 33,326,122 | 8.26 | |||||||
| Korean National Pension Service |
September 30, 2024 | 32,308,082 | 8.21 | |||||||
| Korean National Pension Service |
December 31, 2024 | 33,095,691 | 8.41 | |||||||
| Korean National Pension Service |
March 31, 2025 | 32,919,773 | 8.37 | |||||||
| Korean National Pension Service |
June 30, 2025 | 33,064,648 | 8.40 | |||||||
| Korean National Pension Service |
August 11, 2025 | 31,844,527 | 8.35 | |||||||
| Korean National Pension Service |
September 30, 2025 | 31,601,545 | 8.28 | |||||||
| Korean National Pension Service |
November 14, 2025 | 32,666,149 | 8.56 | |||||||
| Korean National Pension Service |
December 31, 2025 | 33,107,971 | 8.68 | |||||||
| Korean National Pension Service |
January 29, 2026 | 33,341,919 | 8.94 | |||||||
| Korean National Pension Service |
February 27, 2026 | 33,379,901 | 8.95 | |||||||
| Korean National Pension Service |
March 31, 2026 | 33,505,649 | 8.99 | |||||||
| Notes: |
(1) | Based on our shareholder registry as of the end of each applicable year unless specified otherwise. |
| (2) | Total number of shares of common stock issued as of the following dates: |
From April 4, 2023 to August 14, 2024: 403,511,072 shares
From August 14, 2024 to May 15, 2025: 393,528,423 shares
From May 15, 2025 to January 15, 2026: 381,462,103 shares
(Note: The number of shares owned by, and the ownership percentage of the National Pension Service as of June 30, 2025, are based on our shareholder registry as of May 12, 2025 (Total number of issued shares: 393,528,423)
After January 15, 2026: 372,850,455 shares
7.3. Employee Stock Ownership Association
[Not required to be disclosed in quarterly reports]
| 7.4. | Investments in Affiliated Companies |
[Not required to be disclosed in quarterly reports]
| 7.5. | Related Party Transactions |
7.5.1. Purchase of capital securities issued by KB Securities Co., Ltd.
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Securities Co., Ltd. |
Subsidiary | No. 1 Private Placement of Capital Securities in Won | 200 | March 31, 2022 | 4.300% | March 31, 2052 (may be extended) |
Working capital | |||||||
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Securities Co., Ltd. |
Subsidiary | No. 3 Private Placement of Capital Securities in Won | 230 | September 30, 2022 | 5.500% | September 30, 2052 (may be extended) |
Working capital | |||||||
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Securities Co., Ltd. |
Subsidiary | No. 4 Private Placement of Capital Securities in Won | 100 | May 8, 2023 | 5.350% | May 8, 2053 (may be extended) |
Working capital | |||||||
7.5.2. Purchase of capital securities issued by KB Capital Co., Ltd.
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Capital Co., Ltd. |
Subsidiary | No. 299 Private Placement of Capital Securities in Won | 50 | March 27, 2015 | 7.840%(1) | March 27, 2045 (may be extended) |
Working capital | |||||||
| Note: | (1) The interest rate has increased from its initial rate due to the non-exercise of the call option. |
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Capital Co., Ltd.. |
Subsidiary | No. 320 Private Placement of Capital Securities in Won | 50 | September 24, 2015 |
7.412%(1) | September 24, 2045 (may be extended) | Working capital | |||||||
| Note: | (1) The interest rate has increased from its initial rate due to the non-exercise of the call option. |
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Capital Co., Ltd. |
Subsidiary | No. 352 Private Placement of Capital Securities in Won | 50 | June 28, 2016 | 6.466%(1) | June 28, 2046 (may be extended) |
Working capital | |||||||
| Note: | (1) The interest rate has increased from its initial rate due to the non-exercise of the call option. |
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Capital Co., Ltd. |
Subsidiary | No. 367 Private Placement of Capital Securities in Won | 50 | November 28, 2016 |
6.952%(1) | November 28, 2046 (may be extended) | Working capital | |||||||
| Note: | (1) The interest rate has increased from its initial rate due to the non-exercise of the call option. |
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Capital Co., Ltd. |
Subsidiary | No. 378 Private Placement of Capital Securities in Won | 50 | April 27, 2017 | 7.664%(1) | April 27, 2047 (may be extended) |
Working capital | |||||||
| Note: | (1) The interest rate has increased from its initial rate due to the non-exercise of the call option. |
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Capital Co., Ltd. |
Subsidiary | No. 460 Private Placement of Capital Securities in Won | 100 | September 25, 2020 | 6.822%(1) | September 25, 2050 (may be extended) | Working capital | |||||||
| Note: | (1) The interest rate has increased from its initial rate due to the non-exercise of the call option. |
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Capital Co., Ltd. |
Subsidiary | No. 486 Private Placement of Capital Securities in Won | 100 | February 17, 2022 | 4.495% | February 17, 2052 (may be extended) |
Working capital | |||||||
7.5.3. Purchase of capital securities issued by KB Real Estate Trust Co., Ltd.
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Real Estate Trust Co., Ltd. |
Subsidiary | No. 1 Private Placement of Capital Securities in Won | 150 | June 27, 2024 | 7.800% | June 27, 2054 (may be extended) |
Working capital | |||||||
7.5.4. Purchase of subordinated bonds issued by KB Savings Bank Co., Ltd.
| (Unit: in billions of Won) | ||||||||||||||
| Issuer |
Relationship |
Type |
Issue |
Issue Date |
Interest |
Maturity Date |
Use of | |||||||
| KB Savings Bank Co., Ltd. |
Subsidiary | No. 1 Subordinated Bonds in Won | 70 | June 25, 2021 | 1.600% | June 25, 2031 | Working capital | |||||||
7.5.5. Prepayments and Loans to Subsidiaries
| (Unit: in billions of Won) | ||||||||||||||
| Name |
Relationship |
Account |
Loan Amount |
Current |
Credit Offering |
Interest |
Maturity Date | |||||||
| KB Investment Co., Ltd. |
Subsidiary |
Loans(1) |
40 | 40 | July 13, 2018 |
3.166% | July 10, 2026 |
Note: (1) Unsecured credit loans
| (Unit: in billions of Won) | ||||||||||||||
| Name |
Relationship |
Account |
Loan Amount |
Current |
Credit Offering |
Interest |
Maturity Date | |||||||
| KB Investment Co., Ltd. |
Subsidiary |
Loans(1) |
70 | 70 | March 8, 2019 |
3.135% | December 18, 2026 |
Note: (1) Unsecured credit loans
| (Unit: in billions of Won) | ||||||||||||||
| Name |
Relationship |
Account |
Loan Amount |
Current |
Credit Offering |
Interest |
Maturity Date | |||||||
| KB Investment Co., Ltd. |
Subsidiary |
Loans(1) |
30 | 30 | March 9, 2020 |
3.135% | December 18, 2026 |
Note: (1) Unsecured credit loans
| (Unit: in billions of Won) | ||||||||||||||
| Name |
Relationship |
Account |
Loan Amount |
Current |
Credit Offering Date |
Interest |
Maturity Date | |||||||
| KB Investment Co., Ltd. |
Subsidiary |
Loans(1) |
30 | 30 | July 13, 2020 |
3.166% | July 10, 2026 | |||||||
|
Note: (1) Unsecured credit loans | ||||||||||||||
| (Unit: in billions of Won) | ||||||||||||||
| Name |
Relationship |
Account |
Loan Amount |
Current |
Credit Offering Date |
Interest |
Maturity Date | |||||||
| KB Investment Co., Ltd. |
Subsidiary |
Loans(1) |
70 | 70 | December 20, 2021 |
3.109% | December 18, 2026 | |||||||
|
Note: (1) Unsecured credit loans | ||||||||||||||
| (Unit: in billions of Won) | ||||||||||||||
| Name |
Relationship |
Account |
Loan Amount |
Current |
Credit Offering Date |
Interest |
Maturity Date | |||||||
| KB Investment Co., Ltd. |
Subsidiary |
Loans(1) |
60 | 60 | July 13, 2022 |
3.166% | July 10, 2026 | |||||||
|
Note: (1) Unsecured credit loans | ||||||||||||||
| (Unit: in billions of Won) | ||||||||||||||
| Name |
Relationship |
Account |
Loan Amount |
Current |
Credit Offering Date |
Interest |
Maturity Date | |||||||
| KB Investment Co., Ltd. |
Subsidiary |
Loans(1) |
50 | 50 | July 13, 2023 |
3.166% | July 10, 2026 | |||||||
|
Note: (1) Unsecured credit loans | ||||||||||||||
| 8. | Internal Controls |
[Not required to be disclosed in quarterly reports]
| 8.1 | Management’s Assessment of the Effectiveness of the Internal Accounting Management System |
[Not required to be disclosed in quarterly reports]
| 8.2 | Audit Committee’s Assessment of the Effectiveness of the Internal Accounting Management System |
[Not required to be disclosed in quarterly reports]
| 8.3 | External Auditor’s Audit Opinion (Review Report) on the Effectiveness of the Internal Accounting Management System |
[Not required to be disclosed in quarterly reports]
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: May 15, 2026 |
By: /s/ Sang Rok Na | |||||||
| (Signature) | ||||||||
| Name: | Sang Rok Na | |||||||
| Title: | Senior Managing Director and Chief Financial Officer | |||||||