Form 6-K

6-K 1 d135448d6k.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 August 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 ☐

Index

1. Summary of the 2026 First Half Business Report

2. Exhibit 99.1 KB Financial Group Review Report for the First Half of 2026 (Consolidated)

3. Exhibit 99.2 KB Financial Group Review Report for the First Half of 2026 (Separate)

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 2026 First Half Business Report

On August 14, 2026, KB Financial Group Inc. (“KB Financial Group,” the “Company” or the “Group”) filed its business report for the first half 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

•

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.

•

April 24, 2026

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

1.3. Overview of the Business Group


		(As of June 30, 2026)
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


		(As of June 30, 2026)
Type	Name of Company	Controlling Company	Remarks
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-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-NH Corporate Financial Stability Private Equity Fund	KB Securities	Not listed
	KB-Mark-Flow Credit Private Fund	KB Securities	Not listed
	KB-MDM Alternative Private Fund I	KB Securities	Not listed
	IGIS KB Opportunistic Private Equity Fund No.1 Limited Partnership	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


		(As of June 30, 2026)
Type	Name of Company	Controlling Company	Remarks
	KB Golden Life Care Co., Ltd.	KB Life Insurance	Not listed
	KB Asset Management Singapore Pte. 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 Bukopin, 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)

1.4. Capital Structure

1.4.1. Common Shares

Changes in Capital


(As of June 30, 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⁾
May 15, 2026	Common Stock		18,162,721		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 June 30, 2026)	(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)		63,423,803			—		63,423,803			—
1. Capital Reduction		—			—		—			—
2. Cancellation		63,423,803			—		63,423,803			Cancellation of Treasury Shares
3. Redemption		—			—		—			—
4. Other		—			—		—			—
Shares Issued as of June 30, 2026 (C=A-B)		354,687,734			—		354,687,734			—
Treasury Shares(D)		1,300,000			—		1,300,000			—
Shares Outstanding (C—D)		353,387,734			—		353,387,734			—
Treasury Share Holding Ratio		0.4	%		—		0.4	%		—

Notes:

(1) The 63,423,803 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 June 30, 2026)				(Unit: shares)
Items		Number of Shares		Notes
Total number of issued shares	Common shares		354,687,734		—
	Preferred shares		—		—
Shares without voting rights	Common shares		1,300,000		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		353,387,734		—
	Preferred shares		—		—

Notes:

(1) On July 23, 2026, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares, and the acquisition of treasury shares has been in progress since July 24, 2026. The acquired 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 June 30, 2026 above.

(2) 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, and completed such acquisition on July 16, 2026, acquiring a total of 3,581,623 treasury shares. Such shares are expected to be canceled on December 23, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on July 16, 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, 2026, and completed such acquisition on April 7, 2026 acquiring a total of 3,899,988 treasury shares. The Company canceled the acquired treasury shares 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 9, 2026.

(4) 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 were canceled 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.

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). On March 27, 2026, the Company announced that it met the requirements for a “High-Dividend Company” pursuant to Article 104-27 of the Special Tax Treatment Control Act of Korea.

(1) Financial Metrics and Calculation Methods to Determine Dividend Targets

First Phase: An amount corresponding to the capital exceeding 13% of its CET1 ratio as of the end of the year will be utilized as the resource for shareholder returns in the following year.

Second Phase: An amount corresponding to the capital exceeding 13.5% of its CET1 ratio in the second half of the year, accumulated through earnings generated throughout the year, will be utilized as additional resources for shareholder returns.

(2) Direction of Future Dividend Levels

Equal quarterly dividends will be distributed based on the total dividend amount calculated during the first phase of dividends. Additional shareholder returns may be distributed using the shareholder return resources calculated during the second phase. The Company’s shareholder return policy and plans are available via public disclosures and the Company’s official website.

(3) Dividend Restriction Policy

The amount of dividends may be reduced or limited if the capital ratios are expected to fall below regulatory requirements.

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 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
Quarterly Dividend	June 2026	Yes	August 7, 2026	August 7, 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.

1.5.2.

Key Dividend Indicators


		(Unit: in millions of Won, except per share amounts and percentages)
Items		January 1, 2026 to June 30, 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			3,884,590		5,833,162		5,078,221
(Consolidated) Earnings per share (Won)			10,670		15,410		12,880
Total cash dividends			810,246		1,577,774		1,198,257
Total stock dividends			—		—		—
(Consolidated) Cash dividend payout ratio (%)			20.9		27.0		23.6
Cash dividend yield (%)	Common shares		1.3		3.2		3.5
	—		—		—		—
Stock dividend yield (%)	Common shares		—		—		—
	—		—		—		—
Cash dividend per share (Won)	Common shares		2,298		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) in the first quarter of fiscal year 2026, and a quarterly dividend amount of Won 405,158 million (Won 1,155 per common share) in the second quarter of fiscal year 2026.

(2) 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.

(3) 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.

1.6. Amendments to the Articles of Incorporation

The Company’s Articles of Incorporation were most recently amended on March 26, 2026.


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.
March 26, 2026	Annual General Meeting of Shareholders for Fiscal Year 2025	(i) Implementation of electronic general meetings of shareholders and (ii) an expansion of the scope of directors’ duty of loyalty, through the amendment of articles 26, 31 and 42.	Establishment of a legal basis for holding electronic general meetings of shareholders and expanding the scope of directors’ duty of loyalty pursuant to the amendment of the Commercial Code.

2. Business

2.1. Results of Operations


							((Unit: in millions of Won)
	For the six months ended June 30, 2026			For the six months ended June 30, 2025			For the year ended December 31, 2025			For the year ended December 31, 2024
Net interest income		6,478,260			6,368,691			13,073,093			12,826,714
Interest income		14,511,829			14,739,574			29,156,100			30,491,385
Interest expense		(8,033,569	)		(8,370,883	)		(16,083,007	)		(17,664,671	)
Net fee and commission income		2,961,245			1,965,984			4,098,287			3,849,627
Fee and commission income		3,904,194			2,777,199			5,773,521			5,481,843
Fee and commission expense		(942,949	)		(811,215	)		(1,675,234	)		(1,632,216	)
Net insurance income		755,716			849,889			1,303,373			1,649,761
Insurance income		6,399,754			6,144,414			12,376,546			11,456,191
Insurance expense		(5,644,038	)		(5,294,525	)		(11,073,173	)		(9,806,430	)
Net gains on financial assets/liabilities at fair value through profit or loss		2,585,745			2,112,363			3,380,205			1,012,081
Other insurance finance expenses		(1,996,585	)		(413,291	)		(1,026,721	)		(437,001	)
Net other operating expenses		(676,852	)		(1,791,668	)		(2,883,075	)		(1,873,011	)
General and administrative expenses		(3,654,401	)		(3,355,261	)		(7,064,573	)		(6,938,624	)
Operating profit before provision for credit losses		6,453,128			5,736,707			10,880,589			10,089,547
Provision for credit losses		(1,013,014	)		(1,310,708	)		(2,362,878	)		(2,044,286	)
Net operating profit		5,440,114			4,425,999			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 six months ended June 30, 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		389,098,492		1.90		47.70		375,826,777		2.07		48.43		359,346,604		2.45		48.87
	Certificate of deposit		15,062,496		2.92		1.85		10,813,731		2.99		1.39		11,148,293		3.84		1.52
	Borrowings		38,249,140		2.59		4.69		35,428,675		2.67		4.57		32,774,664		3.47		4.46
	Call money		1,104,918		2.58		0.14		1,885,958		2.65		0.24		1,747,858		3.43		0.24
	Debentures		64,509,876		3.36		7.91		61,625,699		3.50		7.94		58,497,966		3.67		7.96
	Others		32,260,573		3.35		3.95		28,701,227		3.23		3.70		24,034,767		4.09		3.26

Subtotal			540,285,495		2.24		66.24		514,282,067		2.37		66.27		487,550,152		2.78		66.31

Foreign Currency	Deposits		44,568,635		2.79		5.46		40,646,841		3.34		5.24		37,798,747		4.12		5.14
	Borrowings		17,968,004		3.35		2.20		17,858,282		3.77		2.30		18,638,964		4.60		2.54
	Call money		2,170,843		4.78		0.27		2,007,760		4.61		0.26		1,796,999		5.16		0.24
	Debentures		16,709,181		3.17		2.05		15,507,931		3.11		2.00		14,573,073		3.29		1.98
	Others		1,995,257		3.26		0.25		1,558,313		3.83		0.20		1,166,042		4.38		0.16

Subtotal			83,411,920		3.05		10.23		77,579,127		3.44		10.00		73,973,825		4.11		10.06

Others	Total shareholders’ equity		60,182,198		—		7.38		61,917,273		—		7.98		59,062,845		—		8.03
	Allowances		1,305,305		—		0.16		966,209		—		0.12		1,530,852		—		0.21
	Others		130,459,237		—		15.99		121,265,897		—		15.63		113,145,013		—		15.39

Subtotal			191,946,740		—		23.53		184,149,379		—		23.73		173,738,710		—		23.63

Total			815,644,155		—		100.00		776,010,573		—		100.00		735,262,687		—		100.00

Notes:

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

2.2.2.

Uses of Funds


																		(Unit: in millions of Won)
		For the six months ended June 30, 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		18,117,823			0.62		2.22			16,153,833			0.63		2.08			15,397,433			0.83		2.09
	Securities		199,432,574			1.58		24.45			191,925,827			2.54		24.73			180,330,525			3.22		24.53
	Loans		420,943,152			4.06		51.61			410,776,360			4.19		52.93			390,097,807			4.67		53.06
	Guarantee payments under payment guarantee		8,017			0.75		—			8,879			1.44		—			5,835			0.99		—
	Call loan		746,128			2.52		0.09			193,442			2.70		0.02			264,716			3.56		0.04
	Private placement corporate bonds		2,055,601			4.93		0.25			1,595,705			4.56		0.21			1,127,090			5.79		0.15
	Credit cards		23,291,225			7.56		2.86			23,257,459			7.79		3.00			23,320,536			8.12		3.17
	Others		5,272,743			14.28		0.64			4,663,752			15.62		0.61			3,829,387			17.76		0.53
	Allowance		(4,180,801	)		—		(0.51	)		(4,232,385	)		—		(0.55	)		(4,193,334	)		—		(0.57	)

Subtotal			665,686,462			3.45		81.61			644,342,872			3.85		83.03			610,179,995			4.39		83.00

Foreign Currency	Due from banks		12,396,226			2.20		1.52			10,736,415			2.44		1.38			9,494,397			2.92		1.29
	Securities		29,194,342			5.16		3.58			25,475,873			5.55		3.28			23,085,246			5.60		3.14
	Loans		38,816,418			6.58		4.76			37,399,936			6.97		4.82			37,007,504			7.60		5.03
	Call loan		5,478,680			3.94		0.67			6,541,166			4.31		0.84			6,018,342			5.33		0.82
	Bills bought		3,390,990			4.19		0.42			1,837,372			4.73		0.24			1,979,563			5.52		0.27
	Allowance		(1,596,046	)		—		(0.20	)		(1,675,021	)		—		(0.22	)		(1,515,396	)		—		(0.21	)
	Others		2,611,031			—		0.32			2,571,127			—		0.34			2,346,259			—		0.32

Subtotal			90,291,641			5.27		11.07			82,886,868			5.71		10.68			78,415,915			6.23		10.66

Others	Cash		1,612,495			—		0.20			1,466,760			—		0.19			1,576,791			—		0.21
	Fixed assets held for business		8,861,188			—		1.09			9,107,641			—		1.17			9,391,370			—		1.28
	Others		49,192,369			—		6.03			38,206,432			—		4.93			35,698,616			—		4.85

Subtotal			59,666,052			—		7.32			48,780,833			—		6.29			46,666,777			—		6.34

Total			815,644,155			—		100.00			776,010,573			—		100.00			735,262,687			—		100.00

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