KB Financial Group Inc. (KB) annual results, year to 31 December 2025: revenue KRW 17,945 billion, from the 20-F
KB Financial Group Inc. files a 20-F with the SEC once a year, in Korean won. In the year to 31 December 2025 it reported revenue of KRW 17,945 billion ($12.6 billion at the year's average rate), up 5.4% on the year before. Its profit attributable to shareholders was KRW 5,833 billion, up 14.9%, and diluted earnings per share KRW 15,261.00.
The year to 31 December 2025, against the year before
| Year to | Dec 2024 | Dec 2025 |
|---|---|---|
| Revenue | 17,028 | 17,945 |
| Operating profit | 8,045 | 8,518 |
| Profit before tax | 6,985 | 8,183 |
| Income tax | 1,957 | 2,342 |
| Profit for the year | 5,029 | 5,841 |
| Profit attributable to shareholders | 5,078 | 5,833 |
| Filing | 20-F | 20-F |
KRW billion, from the 20-F on the SEC's EDGAR, linked in the last row, on the IFRS tags the company filed. A line the company does not file under the standard tag is left out rather than estimated.
KRW per ordinary share, as filed.
Cash flow
| Year to | Dec 2024 | Dec 2025 |
|---|---|---|
| Cash from operations | 4,020 | 4,226 |
| Purchase of property, plant and equipment | 337 | 333 |
| Free cash flow | 3,683 | 3,893 |
| Dividends paid | 1,487 | 1,302 |
| Filing | 20-F | 20-F |
KRW billion. Free cash flow is cash from operations less the purchase of property, plant and equipment, arithmetic on the two filed lines.
Balance sheet at year end
| Year to | Dec 2024 | Dec 2025 |
|---|---|---|
| Total assets | 757,846 | 797,923 |
| Equity attributable to shareholders | 57,889 | 59,048 |
| Cash and cash equivalents | 24,609 | 29,021 |
| Goodwill | 874 | 634 |
| Filing | 20-F | 20-F |
KRW billion, at each fiscal year end.
Ratios on the filed lines
| Year to | Dec 2024 | Dec 2025 |
|---|---|---|
| Operating margin | 47.2% | 47.5% |
| Net margin | 29.8% | 32.5% |
| Return on year-end equity | 8.8% | 9.9% |
| Effective tax rate | 28.0% | 28.6% |
| Filing | 20-F | 20-F |
Arithmetic on the filed lines of the same year.
The exchange rates used
| Year to | Average over the year KRW per US dollar | At the year end KRW per US dollar |
|---|---|---|
| Dec 2015 | 1,129.79 | 1,169.26 |
| Dec 2016 | 1,158.24 | 1,203.73 |
| Dec 2017 | 1,128.54 | 1,067.42 |
| Dec 2018 | 1,098.65 | 1,112.85 |
| Dec 2019 | 1,165.06 | 1,155.46 |
| Dec 2020 | 1,179.02 | 1,086.11 |
| Dec 2021 | 1,144.09 | 1,188.59 |
| Dec 2022 | 1,287.74 | 1,260.18 |
| Dec 2023 | 1,306.01 | 1,290.97 |
| Dec 2024 | 1,362.60 | 1,477.86 |
| Dec 2025 | 1,420.45 | 1,444.55 |
Converted by us, not by the company: the Federal Reserve's daily noon buying rates in New York (H.10), FRED series DEXKOUS. Profit and loss, cash flow and EPS use the average of the daily rates over each fiscal year; the balance sheet uses the rate on the year end, or the last one before it. Ratios are the same in either currency. The filed figures are the ones in Korean won.
Every annual report here
- Year to 31 December 2025, this page
- Year to 31 December 2024
- Year to 31 December 2023
- Year to 31 December 2022
- Year to 31 December 2021
- Year to 31 December 2020
- Year to 31 December 2019
- Year to 31 December 2018
- Year to 31 December 2017
- Year to 31 December 2016
- Year to 31 December 2015
Source
20-F for the year to 31 December 2025, filed 28 April 2026, accession 0001193125-26-183398: the filing on EDGAR. All of KB Financial Group Inc.'s filings: EDGAR company page. The figures are in Korean won as filed.
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