Form 6-K

6-K 1 d121612d6k.htm FORM 6-K Form 6-K

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 March 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 ☐

TABLE OF CONTENTS


1.		Introduction to the Company

1.1.		Business Purpose

1.2.		History

1.3.		Overview of the Business Group

1.4.		Capital Structure

1.5.		Dividends

1.6.		Amendments to the Articles of Incorporation

2.		Business

2.1.		Results of Operations

2.2.		Sources and Uses of Funds

2.3.		Other Information to Consider in Making an Investment Decision

3.		Financial Information

3.1.		Consolidated Financial Information

3.2.		Separate Financial Information

3.3.		Other Selected Financial Data

3.4.		Other Financial Information

4.		Independent Public Accountants

4.1.		Audit/ Review Services

4.2.		Public Company Accounting Oversight Board (“PCAOB”) Audit Services

4.3.		Change in Auditor

5.		Corporate Governance and Affiliated Companies

5.1.		Board of Directors & Committees under the Board

5.2.		Audit Committee

5.3.		Compensation to Directors

5.4.		Top 5 Highest-Paid Individuals

5.5.		Stock-based Compensation

5.6.		Affiliated Companies

6.		Directors, Senior Management and Employees

6.1.		Executive Directors

6.2.		Non-standing Directors

6.3.		Non-executive Directors

6.4.		Senior Management

6.5.		Employees

7.		Major Shareholders and Related Party Transactions

7.1.		Major Shareholders

7.2.		Changes in the Largest Shareholder

7.3.		Employee Stock Ownership Association

7.4.		Investments in Affiliated Companies

7.5.		Related Party Transactions

8.		Internal Controls

8.1.		Management’s Assessment of the Effectiveness of the Internal Accounting Management System

8.2.		Audit Committee’s Assessment of the Effectiveness of the Internal Accounting Management System

8.3.		External Auditor’s Audit Opinion (Review Report) on the Effectiveness of the Internal Accounting Management System

Summary of Business Report for Fiscal Year 2025

On March 13, 2026, KB Financial Group Inc. (“KB Financial Group” or the “Group”) filed its business report for the fiscal year ended December 31, 2025 (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” or the “Company” 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

•

September 26, 2008

Obtained final approval from the Financial Services Commission to establish a financial holding company

•

September 29, 2008

Establishment of the Company through a comprehensive stock transfer and listing on the New York Stock Exchange

•

October 10, 2008

Listing on the Korea Exchange

•

October 20, 2008

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

•

October 31, 2008

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

•

May 4, 2009

Added Kookmin Bank Cambodia PLC. as a second-tier subsidiary

•

June 22, 2009

Added KB Life Insurance Co., Ltd. (“KB Life Insurance”), formerly a second-tier subsidiary, as a first-tier subsidiary

•

July 1, 2009

Changed the name of KB Venture Capital Co., Ltd. to KB Investment Co., Ltd. (“KB Investment”)

•

January 22, 2010

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

•

March 2, 2011

Added KB Kookmin Card Co., Ltd. (“KB Kookmin Card”) as a first-tier subsidiary following the spin-off of Kookmin Bank’s credit card business unit.

•

March 14, 2011

KB Futures Co., Ltd. was merged into KB Investment & Securities Co., Ltd. (“KB Investment & Securities”)

•

July 8, 2011

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

•

January 13, 2012

Added KB Savings Bank Co., Ltd. (“KB Savings Bank”) as a first-tier subsidiary

•

October 10, 2012

Added KB Kookmin Bank (China) Ltd. as a second-tier subsidiary

•

June 20, 2013

Acquired the remaining shares of KB Life Insurance, which increased the Company’s shareholding to 100%

•

September 2, 2013

Added Yehansoul Savings Bank as a first-tier subsidiary

•

January 13, 2014

Yehansoul Savings Bank was merged into KB Savings Bank

•

March 20, 2014

Added KB Capital Co., Ltd. (“KB Capital”) as a first-tier subsidiary

•

June 24, 2015

Added KB Insurance Co., Ltd. (“KB Insurance”) as a non-consolidated first-tier subsidiary

•

November 23, 2015

Acquired additional shares of KB Insurance, which increased the Company’s shareholding from 19.47% to 33.29%

•

May 31, 2016

Added Hyundai Securities Co., Ltd. (“Hyundai Securities”) as a non-consolidated first-tier subsidiary

•

June 21, 2016

Disposed of LIG Investment & Securities, Co., Ltd., a second-tier subsidiary

•

June 28, 2016

Acquired treasury shares of Hyundai Securities, which increased the Company’s equity ownership in Hyundai Securities from 22.56% to 29.62%

•

December 1, 2016

Added KB Golden Life Care Co., Ltd. as a second-tier subsidiary

•

December 30, 2016

Merged KB Investment & Securities with and into Hyundai Securities, with Hyundai Securities as the surviving entity, then changed its name to KB Securities Co., Ltd. (“KB Securities”)

•

February 8, 2017

Added KB KOLAO LEASING Co., Ltd. as a second-tier subsidiary

•

March 8, 2017

Added KB Microfinance Myanmar Co., Ltd. as a second-tier subsidiary

•

July 7, 2017

Converted KB Insurance and KB Capital into wholly-owned subsidiaries of the Company through comprehensive stock swaps

•

September 29, 2017

Added KB Asset Management Singapore Pte. Ltd. as a second-tier subsidiary (changed from a second-tier subsidiary of KB Securities to a first-tier subsidiary of KB Asset Management Co., Ltd.)

•

October 9, 2017

Added KB SECURITIES VIETNAM JOINT STOCK COMPANY (formerly MARITIME SECURITIES INCORPORATION) as a second-tier subsidiary

•

October 16, 2017

Disposed of Hyundai Savings Bank, Co., Ltd., a second-tier subsidiary

•

December 22, 2017

Disposed of Hyundai Asset Management, Co., Ltd., a second-tier subsidiary

•

July 6, 2018

Added KB Daehan Specialized Bank PLC. as a second-tier subsidiary

•

August 21, 2018

Added KBAM Shanghai Advisory Services Co., Ltd. as a second-tier subsidiary

•

April 10, 2020

Added PRASAC Microfinance Institution PLC. as a second-tier subsidiary

•

May 18, 2020

Added PT Sunindo Kookmin Best Finance as a second-tier subsidiary

•

July 3, 2020

Added PT KB Finansia Multi Finance as a second-tier subsidiary

•

August 31, 2020

Added Prudential Life Insurance Company of Korea, Ltd. (“Prudential Life Insurance”) as a first-tier subsidiary

•

September 2, 2020

Added PT Bank Bukopin Tbk as a second-tier subsidiary (renamed PT Bank KB Bukopin, Tbk. on February 8, 2021)

•

December 16, 2020

Added KB FINA JOINT STOCK COMPANY as a second-tier subsidiary

•

December 23, 2020

Added KB Bank Myanmar Co., Ltd. as a second-tier subsidiary

•

January 29, 2021

Added J Fintech Co., Ltd as a second-tier subsidiary (renamed KB J Capital Co., Ltd. on February 16, 2021)

•

March 2, 2021

Added PT KB Data Systems Indonesia as a second-tier subsidiary

•

October 8, 2021

Added KB Healthcare Co., Ltd. as a second-tier subsidiary

•

February 14, 2022

Added PT KB Valbury Sekuritas as a second-tier subsidiary

•

May 10, 2022

Added KB Life Partners Co., Ltd. as a second-tier subsidiary

•

December 26, 2022

Added i-Finance Leasing Plc. as a second-tier subsidiary

•

December 26, 2022

Renamed Prudential Life Insurance Company of Korea, Ltd. to KB Life Insurance Co., Ltd.

•

January 1, 2023

Merged KB Life Insurance with and into KB Life Insurance Co., Ltd. (former Prudential Life Insurance Company of Korea, Ltd.)

•

June 30, 2023

Withdrew KB Credit Information Co., Ltd. as a first-tier subsidiary and added it as a second-tier subsidiary as it became a subsidiary of KB Kookmin Card Co., Ltd. (a first-tier subsidiary)

•

August 4, 2023

Merged KB Bank Cambodia Plc. with and into PRASAC Microfinance Institution Plc.; renamed the merged entity KB PRASAC BANK PLC. and converted it into a commercial bank

•

October 5, 2023

Transferred KB Golden Life Care Co., Ltd. from being a subsidiary of KB Insurance Co., Ltd. to a subsidiary of KB Life Insurance Co., Ltd.

•

December 13, 2023

Added Teamwink Inc. as a second-tier subsidiary (renamed to KBFintech Co., Ltd. on October 14, 2024)

•

June 3, 2024

Added KB Fund Partners as a second-tier subsidiary following the split-off of Kookmin Bank’s fund services business unit

•

June 5, 2024

Renamed PT Valbury Capital Management to PT KB Valbury Asset Management

•

December 19, 2024

Merged KB Daehan Specialized Bank Plc. with i-Finance Leasing Plc.

•

February 18, 2025

Renamed KB Fina Joint Stock Company to KB Fina Company Limited

•

August 11, 2025

Renamed PT Bank KB Bukopin, Tbk. to PT Bank KB Indonesia, Tbk.

1.3.

Overview of the Business Group


		(As of December 31, 2025)
Type	Name of Company	Controlling Company	Remarks
Holding Company	KB Financial Group	-	Listed

1st Tier Subsidiaries	Kookmin Bank	KB Financial Group	Not listed
	KB Securities Co., Ltd.	KB Financial Group	Not listed
	KB Insurance Co., Ltd.	KB Financial Group	Not listed
	KB Kookmin Card Co., Ltd.	KB Financial Group	Not listed
	KB Life Insurance Co., Ltd.	KB Financial Group	Not listed
	KB Asset Management Co., Ltd.	KB Financial Group	Not listed
	KB Capital Co., Ltd.	KB Financial Group	Not listed
	KB Real Estate Trust Co., Ltd.	KB Financial Group	Not listed
	KB Savings Bank Co., Ltd.	KB Financial Group	Not listed
	KB Investment Co., Ltd.	KB Financial Group	Not listed
	KB Data Systems Co., Ltd.	KB Financial Group	Not listed

2nd Tier Subsidiaries	PT Bank KB Indonesia, Tbk.⁽¹⁾	Kookmin Bank	Listed (Overseas)
	Kookmin Bank (China) Limited	Kookmin Bank	Not listed (Overseas)
	KB Microfinance Myanmar Co., Ltd.	Kookmin Bank	Not listed (Overseas)
	KB Bank Myanmar Co., Ltd.	Kookmin Bank	Not listed (Overseas)
	KB PRASAC BANK PLC	Kookmin Bank	Not listed (Overseas)
	KB Fund Partners	Kookmin Bank	Not listed
	KBFG Securities America Inc.	KB Securities	Not listed (Overseas)
	KB Securities Hong Kong Ltd.	KB Securities	Not listed (Overseas)
	KB Securities Vietnam Joint Stock Company	KB Securities	Not listed (Overseas)
	KB-TS Technology Venture Private Equity Fund	KB Securities	Not listed
	KB-Stonebridge Secondary Private Equity Fund	KB Securities	Not listed
	KB-SPROTT Renewable Private Equity Fund I	KB Securities	Not listed
	KB-SP Private Equity Fund IV.	KB Securities	Not listed
	KB-NAU Special Situation Corporate Restructuring Private Equity Fund	KB Securities	Not listed
	U-KB Credit No.1 Private Equity I	KB Securities	Not listed
	KB-SBI Global Strategic Capital Fund	KB Securities	Not listed
	KB FINA Company Limited	KB Securities	Not listed (Overseas)
	PT KB Valbury Sekuritas	KB Securities	Not listed (Overseas)
	KB-LB Middle Market Enterprises Innovation Private Equity Fund	KB Securities	Not listed
	KB-IMM New Star Real Estate Private Fund I	KB Securities	Not listed
	KB-Novus Genesis Private Equity Fund	KB Securities	Not listed
	KB-IMM New Star Real Estate Private Fund II	KB Securities	Not listed
	KB Claims Survey & Adjusting Co., Ltd.	KB Insurance	Not listed
	KB Sonbo Customer & Service	KB Insurance	Not listed
	Leading Insurance Services, Inc	KB Insurance	Not listed (Overseas)
	KBFG Insurance (China) Co., Ltd	KB Insurance	Not listed (Overseas)


	PT. KB Insurance Indonesia	KB Insurance	Not listed (Overseas)
	KB Healthcare Co., Ltd.	KB Insurance	Not listed
	KB Credit Information Co., Ltd.	KB Kookmin Card	Not listed
	KB Daehan Specialized Bank Plc.	KB Kookmin Card	Not listed (Overseas)
	PT KB Finansia Multi Finance	KB Kookmin Card	Not listed (Overseas)
	KB J Capital Co., Ltd	KB Kookmin Card	Not listed (Overseas)
	KB Life Partners Co., Ltd	KB Life Insurance	Not listed
	KB Golden Life Care Co., Ltd.	KB Life Insurance	Not listed
	KB Asset Management Singapore Pte. Ltd.	KB Asset Management	Not listed (Overseas)
	KBAM Shanghai Advisory Services Co., Ltd.	KB Asset Management	Not listed (Overseas)
	PT KB Valbury Asset Management	KB Asset Management	Not listed (Overseas)
	KB Co-investment 1st Private Equity Fund	KB Asset Management	Not listed
	KB Mezzanine Capital 4th Private Equity Fund	KB Asset Management	Not listed
	KB KOLAO LEASING Co., Ltd	KB Capital	Not listed (Overseas)
	PT. Sunindo Kookmin Best Finance	KB Capital	Not listed (Overseas)
	KBFintech Inc.	KB Capital	Not listed
	FineKB Private Equity Fund No.1	KB Investment	Not listed
	KB Bio Global Expansion Private Equity Fund No.1	KB Investment	Not listed
	KB-Badgers Future Mobility ESG Fund I	KB Investment	Not listed
	FineKB Private Equity Fund No.2	KB Investment	Not listed
	PT KB Data Systems Indonesia	KB Data Systems	Not listed (Overseas)

3rd Tier Subsidiaries	PT KB Bukopin Finance	PT Bank KB Indonesia, Tbk.	Not listed (Overseas)
	PT Bank KB Bukopin Syariah	PT Bank KB Indonesia, Tbk.	Not listed (Overseas)
	Mangrove Master Fund	KB Asset Management Singapore Pte. Ltd.	Not listed (Overseas)
	Mangrove Feeder Fund	KB Asset Management Singapore Pte. Ltd.	Not listed (Overseas)

Notes: (1)

PT Bank KB Bukopin, Tbk. changed its name to PT Bank KB Indonesia, Tbk. on August 11, 2025.

1.4.

Capital Structure

1.4.1.

Common Shares

Changes in Capital


(As of December 31, 2025)								(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⁾

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


(As of December 31, 2025)									(Unit: shares)
	Type
	Common Shares			Preferred Shares		Total			Remarks
Shares Authorized for Issuance		1,000,000,000			—		1,000,000,000		As specified in the Articles of Incorporation
Total Shares Issued (A)		418,111,537			—		418,111,537		—
Decrease in Number of Shares (B)		36,649,434			—		36,649,434		—
1. Capital Reduction		—			—		—		—
2. Cancellation		36,649,434			—		36,649,434		Cancellation of Treasury Shares
3. Redemption		—			—		—		—
4. Other		—			—		—		—
Shares Issued as of December 31, 2025 (C=A-B)		381,462,103			—		381,462,103		—
Treasury Shares(D)		22,874,381			—		22,874,381		—
Shares Outstanding (C-D)		358,587,722			—		358,587,722		—
Treasury Share Holding Ratio		6.0	%		—		6.0	%	—

Notes: (1)

The 36,649,434 cancelled shares above are within the limits of profit available for dividend payment, and as such, there will be no change in paid-in capital although the total number of issued shares will decrease.

1.4.2. Voting Rights


(As of December 31, 2025)				(Unit: shares)
Items		Number of Shares		Notes
Total number of issued shares	Common shares		381,462,103	—
	Preferred shares		—	—
Shares without voting rights	Common shares		22,874,381
	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		358,587,722	—
	Preferred shares		—	—

Notes: (1)

On April 24, 2025, 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 28, 2025, and completed such acquisition on June 30, 2025, acquiring a total of 3,047,395 treasury shares. The Company canceled the acquired treasury shares on January 15, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on June 30, 2025.

(2)

On July 24, 2025, 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 July 25, 2025, and completed such acquisition on December 26, 2025 acquiring a total of 5,564,253 treasury shares. The Company canceled the acquired treasury shares on January 15, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on January 9, 2026.

(3)

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, 2025. Such treasury shares are scheduled to be cancelled upon completion of the acquisition. [Please note that these shares are not included in the number of “Shares without voting rights” as of December 31, 2025 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. 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

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.

(3)

The 2025 annual dividend is subject to change based on the approval process at the Annual General Meeting of Shareholders.

1.5.2. Key Dividend Indicators


(Unit: in millions of Won, except per share amounts and percentages)

Items		January 1, 2025 to December 31, 2025⁽¹⁾		January 1, 2024 to December 31, 2024⁽²⁾		January 1, 2023 to December 31, 2023⁽³⁾
Par value per share (Won)			5,000		5,000		5,000
(Consolidated) Net income			5,833,162		5,078,221		4,594,835
(Consolidated) Earnings per share (Won)			15,410		12,880		11,483
Total cash dividends			1,577,774		1,198,257		1,173,937
Total stock dividends			—		—		—
(Consolidated) Cash dividend payout ratio (%)			27.0		23.6		25.5
Cash dividend yield (%)	Common shares		3.2		3.5		4.9
	—		—		—		—
Stock dividend yield (%)	Common shares		—		—		—
Stock dividend yield (%)	—		—		—		—
Cash dividend per share (Won)	Common shares		4,367		3,174		3,060
Cash dividend per share (Won)	—		—		—		—
Stock dividend per share	Common shares		—		—		—
Stock dividend per share	—		—		—		—

Notes:

(1)

Includes a quarterly dividend amount of Won 334,339 million (Won 912 per common share) in the first quarter of fiscal year 2025, a quarterly dividend amount of Won 334,652 million (Won 920 per common share) in the second quarter of fiscal year 2025, a quarterly dividend amount of Won 335,016 million (Won 930 per common share) in 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.

(2)

Includes a quarterly dividend amount of Won 300,087 million (Won 784 per common share) in the first quarter of fiscal year 2024, a quarterly dividend amount of Won 299,999 million (Won 791 per common share) in the second quarter of fiscal year 2024, a quarterly dividend amount of Won 299,886 million (Won 795 per common share) in 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.

(3)

Includes a quarterly dividend amount of Won 195,967 million (Won 510 per common share) in the first quarter of fiscal year 2023, a quarterly dividend amount of Won 195,967 million (Won 510 per common share) in the second quarter of fiscal year 2023, a quarterly dividend amount of Won 194,998 million (Won 510 per common share) in the third quarter of fiscal year 2023, and an annual dividend amount of Won 587,006 million (Won 1,530 per common share) for fiscal year 2023.

1.6.

Amendments to the Articles of Incorporation

The Company’s Articles of Incorporation were most recently amended on March 26, 2025.


Date	Shareholder meeting through which the amendments were approved and ratified	Major changes	Reason for Change
March 24, 2023	Annual General Meeting of Shareholders for Fiscal Year 2022	Establishment of: (i) the basis for determining the record date for the payment of dividends through a resolution of the Board of Directors, and (ii) an equal dividend payment policy with respect to shares in the same class, through the amendment of articles 10, 11, 15, 16, 17, 18, 19, 20, 49, 59, and 60	Establishment of the basis for determining the record date for the payment of dividends through a resolution of the Board of Directors

March 26, 2025	Annual General Meeting of Shareholders for Fiscal Year 2024	(i) Additional items designated as matters to be determined through a resolution of the Board of Directors, (ii) the establishment of an internal control committee within the Board of Directors, and (iii) allowing the determination of record dates for quarterly dividends through a resolution of the Board of Directors, through the amendment of articles 14, 20-2, 44, 48, 51, 52, 56, 59 and 60.	Establishment of an internal control committee in accordance with amendments to the Act on Corporate Governance of Financial Companies, and the establishment of a basis for determining the record date for quarterly dividends through a resolution of the Board of Directors in accordance with amendments to the Financial Investment Services and Capital Markets Act.

2.	Business

2.1.

Results of Operations


					(Unit: in millions of Won)
	For the year ended December 31, 2025			For the year ended December 31, 2024			For the year ended December 31, 2023
Net interest income		13,073,093			12,826,714			12,180,860
Interest income		29,156,100			30,491,385			29,142,024
Interest expense		(16,083,007	)		(17,664,671	)		(16,961,164	)
Net fee and commission income		4,098,287			3,849,627			3,673,524
Fee and commission income		5,773,521			5,481,843			5,368,074
Fee and commission expense		(1,675,234	)		(1,632,216	)		(1,694,550	)
Insurance service result		1,303,373			1,649,761			1,446,852
Insurance income		12,376,546			11,456,191			11,005,471
Insurance expense		(11,073,173	)		(9,806,430	)		(9,558,619	)
Net gains on financial assets/liabilities at fair value through profit or loss		3,380,205			1,012,081			2,163,065
Other insurance finance expenses		(1,026,721	)		(437,001	)		(572,476	)
Net other operating expenses		(2,883,075	)		(1,873,011	)		(2,712,989	)
General and administrative expenses		(7,064,573	)		(6,938,624	)		(6,647,406	)
Operating profit before provision for credit losses		10,880,589			10,089,547			9,531,430
Provision for credit losses		(2,362,878	)		(2,044,286	)		(3,146,409	)
Net operating profit		8,517,711			8,045,261			6,385,021

Notes: (1) Based on K-IFRS (on a consolidated basis).

(2)

KB Financial Group’s results of operations for the year ended December 31, 2023 above have been adjusted retroactively to reflect the Financial Supervisory Service’s responses to certain accounting inquiries regarding the application of K-IFRS 1117 (Insurance Contracts).

2.2.

Sources and Uses of Funds

2.2.1. Sources of Funds


															(Unit: in millions of Won)
		For the year ended December 31, 2025						For the year ended December 31, 2024						For the year ended December 31, 2023
		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)		Average Balance		Interest Rate (%)		Ratio (%)
Won Currency	Deposits		375,826,777		2.07		48.43		359,346,604		2.45		48.87		337,478,959		2.53		48.52
	Certificate of deposit		10,813,731		2.99		1.39		11,148,293		3.84		1.52		10,417,992		4.07		1.50
	Borrowings		35,428,675		2.67		4.57		32,774,664		3.47		4.46		32,807,456		3.38		4.72
	Call money		1,885,958		2.65		0.24		1,747,858		3.43		0.24		1,384,033		3.52		0.20
	Debentures		61,625,699		3.50		7.94		58,497,966		3.67		7.96		56,245,329		3.34		8.09
	Others		28,701,227		3.23		3.70		24,034,767		4.09		3.26		21,767,083		4.49		3.13

Subtotal			514,282,067		2.37		66.27		487,550,152		2.78		66.31		460,100,852		2.82		66.16

Foreign Currency	Deposits		40,646,841		3.34		5.24		37,798,747		4.12		5.14		35,675,306		3.97		5.13
	Borrowings		17,858,282		3.77		2.30		18,638,964		4.60		2.54		21,094,988		4.3		3.03
	Call money		2,007,760		4.61		0.26		1,796,999		5.16		0.24		1,348,423		4.76		0.19
	Debentures		15,507,931		3.11		2.00		14,573,073		3.29		1.98		12,884,157		3.31		1.85
	Others		1,558,313		3.83		0.20		1,166,042		4.38		0.16		1,067,253		3.51		0.15

Subtotal			77,579,127		3.44		10.00		73,973,825		4.11		10.06		72,070,127		3.96		10.35

Others	Total shareholders’ equity		61,917,273		—		7.98		59,062,845		—		8.03		56,740,649		—		8.16
	Allowances		966,209		—		0.12		1,530,852		—		0.21		1,055,315		—		0.15
	Others		121,265,897		—		15.63		113,145,013		—		15.39		105,610,633		—		15.18

Subtotal			184,149,379		—		23.73		173,738,710		—		23.63		163,406,597		—		23.49

Total			776,010,573		—		100.00		735,262,687		—		100.00		695,577,576		—		100.00

Notes: (1) Based on K-IFRS (on a consolidated basis).

(2)

The figures for the year ended December 31, 2023 above have been adjusted retroactively to reflect the Financial Supervisory Service’s responses to certain accounting inquiries regarding the application of K-IFRS 1117 (Insurance Contracts).

2.2.2. Uses of Funds


																		(Unit: in millions of Won)
		For the year ended December 31, 2025								For the year ended December 31, 2024								For the year ended December 31, 2023
		Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)			Average Balance			Interest Rate (%)		Ratio (%)
Won Currency	Due from banks		16,153,833			0.63		2.08			15,397,433			0.83		2.09			14,595,696			1.04		2.10
	Securities		191,925,827			2.54		24.73			180,330,525			3.22		24.53			166,163,329			3.27		23.89
	Loans		410,776,360			4.19		52.93			390,097,807			4.67		53.06			369,004,854			4.82		53.05
	Guarantee payments under payment guarantee		8,879			1.44		—			5,835			0.99		—			5,114			0.81		—
	Call loan		193,442			2.70		0.02			264,716			3.56		0.04			286,735			3.62		0.04
	Private placement corporate bonds		1,595,705			4.56		0.21			1,127,090			5.79		0.15			1,161,338			3.08		0.17
	Credit cards		23,257,459			7.79		3.00			23,320,536			8.12		3.17			22,738,818			7.95		3.27
	Others		4,663,752			15.62		0.61			3,829,387			17.76		0.53			3,235,831			18.40		0.47
	Allowance		(4,232,385	)		—		(0.55	)		(4,193,334	)		—		(0.57	)		(3,559,486	)		—		(0.51	)

Subtotal			644,342,872			3.85		83.03			610,179,995			4.39		83.00			573,632,229			4.51		82.48

Foreign Currency	Due from banks		10,736,415			2.44		1.38			9,494,397			2.92		1.29			8,868,559			2.39		1.27
	Securities		25,475,873			5.55		3.28			23,085,246			5.60		3.14			22,373,470			4.81		3.22
	Loans		37,399,936			6.97		4.82			37,007,504			7.60		5.03			36,723,273			7.48		5.28
	Call loan		6,541,166			4.31		0.84			6,018,342			5.33		0.82			6,393,291			5.19		0.92
	Bills bought		1,837,372			4.73		0.24			1,979,563			5.52		0.27			2,047,390			5.58		0.29
	Allowance		(1,675,021	)		—		(0.22	)		(1,515,396	)		—		(0.21	)		(1,319,579	)		—		(0.19	)
	Others		2,571,127			—		0.34			2,346,259			—		0.32			2,742,464			—		0.39

Subtotal			82,886,868			5.71		10.68			78,415,915			6.23		10.66			77,828,868			5.84		11.18

Others	Cash		1,466,760			—		0.19			1,576,791			—		0.21			1,681,170			—		0.24
	Fixed assets held for business		9,107,641			—		1.17			9,391,370			—		1.28			8,788,637			—		1.26
	Others		38,206,432			—		4.93			35,698,616			—		4.85			33,646,672			—		4.84

Subtotal			48,780,833			—		6.29			46,666,777			—		6.34			44,116,479			—		6.34

Total			776,010,573			—		100.00			735,262,687			—		100.00			695,577,576			—		100.00

Notes: (1) Based on K-IFRS (on a consolidated basis).

(2)

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 December 31, 2025		As of December 31, 2024		As of December 31, 2023
Total capital (A)		57,824		56,849		53,744
Risk-weighted assets (B)		356,996		345,981		321,319
BIS ratio (A/B)		16.20%		16.43%		16.73%

Notes:

(1) Calculated in accordance with Basel III.


Kookmin Bank			(Unit: in billions of Won, except percentages)
	As of December 31, 2025		As of December 31, 2024		As of December 31, 2023
Total capital (A)		41,605		40,574		39,040
Risk-weighted assets (B)		240,740		234,436		215,962
BIS ratio (A/B)		17.28		17.31		18.08

Notes:

(1) Calculated in accordance with Basel III.


KB Securities Co., Ltd.			(Unit: in billions of Won, except percentages)
	As of December 31, 2025		As of December 31, 2024		As of December 31, 2023
Net operating capital (A)		5,140		5,397		5,058
Total amount at risk (B)		3,184		3,176		2,934
Maintenance equity margin (C)		136		134		134
Net capital ratio (A-B)/(C)		1,442.13%		1,654.45%		1,582.09%
Capital surplus (A-B)		1,956		2,221		2,124


KB Insurance Co., Ltd.			(Unit: in billions of Won, except percentages)
	As of December 31, 2025		As of December 31, 2024		As of December 31, 2023
Available capital (A)		12,191		11,319		11,669
Required capital (B)		6,369		6,072		5,404
Capital Adequacy ratio (A/B)⁽²⁾		192.42%		186.42%		215.94%

Notes:

(1) The figures as of December 31, 2025 are preliminary and subject to an amended disclosure with finalized amounts by March 2026.

(2)

Since 2023, the capital adequacy system is calculated based on the Korean Insurance Capital Standard (“K-ICS”) system.

2.3.2. Overseas Credit Ratings


				(As of December 31, 2025)
Rating Company	Moody’s		S&P
Type	Long-term	Short-term	Long-term	Short-term
Credit Rating	A1	P-1	A	A-1

2.3.3. Domestic Credit Ratings


Date of Rating	Type	Credit Rating	Rating Company (Rating Range)
1/19/2023	Contingent Convertible Bonds	AA-	Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)

6/23/2023	Commercial Paper	A1	Korea Ratings (A1 ~ D) / KIS Ratings (A1 ~ D) / NICE Investors Service (A1 ~ D)

2/28/2024	Contingent Convertible Bonds	AA-	Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)

10/18/2024	Debentures	AAA	NICE Investors Service (AAA ~ D)

10/18/2024	Commercial Paper	A1	NICE Investors Service (A1 ~ D)

10/21/2024	Debentures	AAA	Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D)

10/21/2024	Commercial Paper	A1	KIS Ratings (A1 ~ D)

11/6/2024	Commercial Paper	A1	Korea Ratings (A1 ~ D)

1/9/2025	Contingent Convertible Bonds	AA-	Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)

1/22/2025	Debentures	AAA	Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)

2/21/2025	Debentures	AAA	Korea Ratings (AAA ~ D) / NICE Ratings (AAA ~ D)

2/24/2025	Debentures	AAA	KIS Ratings (AAA ~ D)

3/20/2025	Debentures	AAA	Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) / NICE Investors Service (AAA ~ D)

4/23/2025	Debentures	AAA	KIS Ratings (AAA ~ D) / NICE Investors Ratings (AAA ~ D)

4/24/2025	Debentures	AAA	Korea Ratings (AAA ~ D)

5/20/2025	Debentures	AAA	KIS Ratings (AAA ~ D)

5/22/2025	Debentures	AAA	Korea Ratings (AAA ~ D) / NICE Ratings (AAA ~ D)

6/24/2025	Commercial Paper	A1	NICE Investors Ratings (A1 ~ D)

6/26/2025	Commercial Paper	A1	KIS Ratings (A1 ~ D)

6/27/2025	Commercial Paper	A1	Korea Ratings (A1 ~ D)

12/12/2025	Commercial Paper	A1	NICE Investors Ratings (A1 ~ D)

12/12/2025	Commercial Paper	A1	KIS Ratings (A1 ~ D)

12/18/2025	Commercial Paper	A1	Korea Ratings (A1 ~ D)

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
	January 28, 2019	615
	January 20, 2020	462
	January 30, 2021	800
Kookmin Bank	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 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, lower consumer confidence and subdued domestic consumption, stock market and real estate market volatility, uncertainties surrounding the prospects of the AI industry, rising loan delinquency rates in Korea and changes in fiscal and monetary policies, 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) and between Russia and Ukraine, and accelerating de-globalization trends.

3.	Financial Information

3.1.

Consolidated Financial Information

3.1.1. Consolidated Statements of Financial Position


(Unit: in millions of Won)
	As of December 31, 2025		As of December 31, 2024		As of December 31, 2023
Cash and due from financial institutions		34,776,877		29,869,111		29,836,311
Financial assets at fair value through profit or loss		89,862,530		79,450,093		77,038,267
Derivative financial assets		8,178,056		11,730,767		6,157,628
Loans measured at amortized cost		491,978,044		472,071,840		444,805,287
Financial investments		134,986,677		131,009,464		122,199,529
Investments in associates and joint ventures		1,137,184		947,390		722,222
Insurance assets		271,152		276,191		229,640
Reinsurance assets		1,515,854		1,497,147		1,642,432
Property and equipment		5,133,801		5,390,015		4,945,699
Investment property		3,224,180		3,759,176		4,109,784
Intangible assets		1,609,427		1,966,684		1,950,858
Net defined benefit assets		353,366		258,500		374,090
Current income tax assets		388,589		339,855		244,317
Deferred income tax assets		193,034		278,824		274,225
Assets held for sale		174,919		136,838		208,230
Assets of a disposal group held for sale		94,215		—		—
Other assets		24,045,128		18,863,637		20,986,897

Total assets		797,923,033		757,845,532		715,725,416

Financial liabilities at fair value through profit or loss		11,320,590		10,720,231		10,920,435
Derivative financial liabilities		8,234,289		11,783,494		6,210,639
Deposits		462,397,026		435,687,897		406,512,434
Borrowings		70,728,396		68,077,012		69,583,561
Debentures		80,049,270		76,171,257		69,176,668
Insurance contract liabilities		56,790,030		55,863,701		50,617,990
Reinsurance contract liabilities		59,648		56,266		36,030
Provisions		1,264,390		927,632		1,444,418
Net defined benefit liabilities		100,088		100,187		81,869
Current income tax liabilities		610,484		530,720		145,335


	As of December 31, 2025			As of December 31, 2024			As of December 31, 2023
Deferred income tax liabilities		1,819,080			1,682,292			2,094,912
Liabilities of a disposal group held for sale		68,290			—			—
Other liabilities		43,651,463			36,429,662			40,264,935

Total liabilities		737,093,044			698,030,351			657,089,226

Equity attributable to shareholders of the parent company		59,048,211			57,888,952			56,692,684
Share capital		2,090,558			2,090,558			2,090,558
Hybrid securities		4,359,388			5,082,578			5,032,803
Capital surplus		16,633,518			16,646,734			16,647,916
Accumulated other comprehensive income (loss)		(467,456	)		496,922			2,152,644
Retained earnings		38,333,741			34,808,220			31,934,600
Treasury shares		(1,901,538	)		(1,236,060	)		(1,165,837	)
Non-controlling interests		1,781,778			1,926,229			1,943,506

Total equity		60,829,989			59,815,181			58,636,190

Total liabilities and equity		797,923,033			757,845,532			715,725,416

Number of companies included as consolidated entities		376			347			371

3.1.2. Consolidated Statements of Comprehensive Income


(Unit: in millions of Won, except per share amounts)
	For the year ended December 31, 2025			For the year ended December 31, 2024			For the year ended December 31, 2023
Net interest income		13,073,093			12,826,714			12,180,860
Interest income		29,156,100			30,491,385			29,142,024
Interest income from financial instruments at fair value through other comprehensive income and amortized cost		27,682,743			29,001,556			27,705,759
Interest income from financial instruments at fair value through profit or loss		1,436,152			1,458,512			1,415,366
Insurance finance interest income		37,205			31,317			20,899
Interest expense		(16,083,007	)		(17,664,671	)		(16,961,164	)
Interest expense		(14,578,519	)		(16,186,914	)		(15,426,706	)
Insurance finance interest expense		(1,504,488	)		(1,477,757	)		(1,534,458	)
Net fee and commission income		4,098,287			3,849,627			3,673,524
Fee and commission income		5,773,521			5,481,843			5,368,074
Fee and commission expense		(1,675,234	)		(1,632,216	)		(1,694,550	)
Insurance service result		1,303,373			1,649,761			1,446,852
Insurance income		12,376,546			11,456,191			11,005,471
Insurance income		11,651,881			11,017,155			10,322,356
Reinsurance income		724,665			439,036			683,115
Insurance expense		(11,073,173	)		(9,806,430	)		(9,558,619	)
Insurance service expense		(10,213,199	)		(8,884,168	)		(8,720,568	)
Reinsurance expense		(859,974	)		(922,262	)		(838,051	)
Net gains on financial assets/liabilities at fair value through profit		3,380,205			1,012,081			2,163,065
Other insurance finance income (expenses) from contract held		(1,026,721	)		(437,001	)		(572,476	)
Net other operating expenses		(2,883,075	)		(1,873,011	)		(2,712,989	)
General and administrative expenses		(7,064,573	)		(6,938,624	)		(6,647,406	)
Operating income before provision for credit losses		10,880,589			10,089,547			9,531,430
Provision for credit losses		(2,362,878	)		(2,044,286	)		(3,146,409	)
Net operating income		8,517,711			8,045,261			6,385,021
Net non-operating income (expenses)		(334,565	)		(1,060,014	)		(264,870	)
Share of profit (loss) of associates and joint ventures		26,852			(16,884	)		33,110
Net other non-operating income (expenses)		(361,417	)		(1,043,130	)		(297,980	)
Profit before income tax expense		8,183,146			6,985,247			6,120,151
Income tax expense		(2,342,431	)		(1,956,641	)		(1,593,817	)
Profit for the period		5,840,715			5,028,606			4,526,334
Other comprehensive income (loss) for the period, net of tax		(960,417	)		(1,622,712	)		1,171,144
Items that will not be reclassified to profit or loss:


	For the year ended December 31, 2025			For the year ended December 31, 2024			For the year ended December 31, 2023
Remeasurements of net defined benefit liabilities		28,017			(85,375	)		(72,170	)
Share of other comprehensive income (loss) of associates and joint ventures								(2	)
Gains (losses) on equity securities at fair value through other comprehensive income		124,513			(254,864	)		69,605
Fair value changes of financial liabilities designated at fair value through profit (loss) due to own credit risk		(3,222	)		(5,514	)		(52,863	)
Items that may be reclassified subsequently to profit or loss:
Currency translation differences		(28,814	)		582,872			317
Gains (losses) on debt securities at fair value through other comprehensive income		(1,992,733	)		1,468,299			3,304,471
Share of other comprehensive income of associates and joint ventures		2,018			165			26
Gains (losses) on cash flow hedging instruments		(289,508	)		34,741			53,923
Gains (losses) on hedging instruments of net investments in foreign operations		39,631			(186,708	)		(14,659	)
Insurance finance income (expenses)		1,159,681			(3,176,328	)		(2,117,504	)
Total comprehensive income for the period		4,880,298			3,405,894			5,697,478
Profit attributable to:
Shareholders of the parent company		5,833,162			5,078,221			4,594,835
Non-controlling interests		7,553			(49,615	)		(68,501	)
Total comprehensive income for the period attributable to:
Shareholders of the parent company		4,878,528			3,419,852			5,772,352
Non-controlling interests		1,770			(13,958	)		(74,874	)
Earnings per share
Basic earnings per share (Won)		15,410			12,880			11,483
Diluted earnings per share (Won)		15,261			12,726			11,218

3.2.

Separate Financial Information

3.2.1. Separate Statements of Financial Position


(Unit: in millions of Won)
	As of December 31, 2025			As of December 31, 2024			As of December 31, 2023
Cash and due from financial institutions		974,585			398,391			256,337
Financial assets at fair value through profit or loss		1,251,607			1,243,471			1,376,423
Loans measured at amortized cost		349,112			359,054			608,286
Investments in subsidiaries		26,867,817			26,867,817			26,717,817
Property and equipment		2,896			2,800			3,080
Intangible assets		13,207			14,497			15,954
Net defined benefit assets		3,058			2,902			3,694
Deferred income tax assets		9,354			5,257			4,492
Other assets		1,381,504			912,634			542,815

Total assets		30,853,140			29,806,823			29,528,898

Borrowings		—			965,000			100,000
Debentures		4,520,297			2,962,032			3,871,820
Current income tax liabilities		544,056			502,705			104,299
Other liabilities		853,551			388,528			410,704

Total liabilities		5,917,904			4,818,265			4,486,823

Share capital		2,090,558			2,090,558			2,090,558
Hybrid securities		4,359,256			5,082,359			5,032,518
Capital surplus		14,751,591			14,754,475			14,754,747
Accumulated other comprehensive loss		(8,601	)		(8,316	)		(6,809	)
Retained earnings		5,643,970			4,305,542

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SEC Form 6-K filed by KB Financial Group Inc