KB FINANCIAL GROUP INC. Disclaimer
Highlights | KB Kookmin Bank | KB Securities | Prudential Life Insurance |
Condensed Income Statement | Condensed Income Statement | Condensed Income Statement | |
KB Financial Group | Condensed Balance Sheet | Condensed Balance Sheet | Condensed Balance Sheet |
Condensed Income Statement | Interest Income / Spread / Margin | Key Indicators | Key Indicators |
Condensed Balance Sheet | Fee and Commission Income | Premium Income | |
Interest Income / Spread / Margin | Other Operating Income | KB Kookmin Card | Loss & Expense Ratios |
Fee and Commission Income | Provision for Credit Losses | Condensed Income Statement | APE |
Other Operating Income | General & Administrative Expenses | Condensed Balance Sheet | |
Provision for Credit Losses | Loans / Deposits | Customers / Volume / Receivables | Other Subsidiaries |
General & Administrative Expenses | Asset Quality | Asset Quality | Condensed Income Statement |
Asset Quality | Delinquency | Delinquency | Condensed Balance Sheet |
Capital Adequacy | Capital Adequacy | ||
Organizational Structure | Credit Ratings | KB Insurance | Contacts |
Employees / Branches | Housing Price Index | Condensed Income Statement | |
Credit Ratings | Condensed Balance Sheet | ||
Key Indicators | |||
Direct Premiums | |||
Loss & Expense Ratios | |||
Monthly Initial Premiums |
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Disclaimer
Disclaimer
The consolidated financial information of KB Financial Group Inc. (the "Group") presented herein is based on the Korean International Financial Reporting Standards(K-IFRS). It is currently being audited by the Group's independent auditor, and accordingly, is subject to change.
Highlights
KB Financial Group
The consolidated financial information presented herein is based on Korean IFRS9(K-IFRS9). Note that the financial results for years before 2017 contained herein have not been restated retrospectively.
KB Kookmin Bank
KB Securities
From 2018, for better peer comparison purpose, the Group reclassified certain interest income out of Net Gain/Loss on Financial Assets at FVPL under Other Operating Profit to Interest Income under Net Interest Income. Note that beginning from the financial results for 2017 contained herein have been restated retrospectively.
KB Insurance
As KB Insurance and KB Capital became wholly-owned subsidiaries of the Group on July 7, 2017, the financial results of KB Insurance and KB Capital have been fully consolidated in the Group's financial statements since 3Q17.
KB Kookmin Card
As Prudential Life Insurance became wholly-owned subsidiary of the Group as of August 31, 2020, the financial results have been fully consolidated in the Group's financial statements since September, 2020
Prudential Life Insurance
Other Subsidiaries
From 3Q21, the Group applied accounting policy in accordance the international Financial Reporting Interpretation Committee(IFRIC) agenda decision over K-IFRS No.1019(Employee benefits). However, please note that the financial information for the past period contained herein has not been restated retrospectively.
Contacts
From 1Q22, certain interest expense portion out of the provisioning for insurance policy reserves, which used to be accounted under Other Operating Profit, has been reclassified as interest expenses under Net Interest Income for more practically- meaningful presentation of financial information. Note that consolidated financial results contained herein have been restated retrospectively for better comparison.
Totals may not sum due to rounding.
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Highlights
KB Financial Group
◆ Financial Statements (bn Won)
2Q20
3Q20
4Q20
1Q21
2Q21
3Q21
4Q21
1Q22(E)
KB Financial Group
Total Assets Total Liabilities Total Equity Net Income
Net Income (attributable to controlling interests) Total Asset including AUM1)
569,476.6 529,172.5
605,506.4 563,398.5
610,672.2
567,310.7
40,304.1
42,107.9 1,194.2
43,361.5
992.5
576.7
981.8 874,146.4
1,166.6 908,203.3 302,696.9
577.3
993,424.6 1,027,760.2
(AUM)
620,939.2
576,873.8
44,065.4
1,285.2
1,270.0
304,669.8
382,752.4 406,821.0
633,747.8 650,506.5
588,022.4 602,832.9
Total Assets by Subsidiaries
KB Kookmin Bank
KB Securities2)
KB Insurance3)
KB Kookmin Card
Prudential Life4)
KB Asset Management
KB Capital
KB Life Insurance
KB Real Estate Trust
KB Savings Bank
KB Investment
KB Data Systems
KB Credit Information
425,310.2 56,606.6
437,038.8 55,843.0
438,444.1
57,570.7
37,677.1
38,082.9
39,078.1
23,858.8
24,292.3
24,071.6
447,822.5
56,757.5
39,264.1
25,106.7
24,969.0
12,901.3
10,698.6
2,084.2
312.2
438.2
836.5
38.9
27.3
1,060,959.2
427,211.4
455,817.9
45,725.4
56,893.6
40,267.9
25,841.3
25,508.0
13,803.1
10,904.1
1,207.4
1,204.3
2,345.8
343.8
445.2
895.6
41.8
28.7
1,082,081.7
431,575.2
470,714.5
47,673.6
57,203.9
41,097.4
27,021.9
25,615.2
14,180.6
10,800.8
1,305.7
1,298.1
2,587.1
363.1
475.9
953.6
57.6
27.7
1,121,217.1
663,895.8 680,011.1
615,601.9 631,872.3
457,321.3
483,564.9 493,078.8
48,293.9 48,138.8
55,494.0 62,691.0
41,472.2 41,454.7
27,349.6 27,238.6
26,287.1 25,673.3
14,529.4 14,994.4
10,634.6 10,400.9
2,601.1 2,754.5
1,197.7 1,203.4
586.1 1,464.1
637.1 1,453.1
375.7
496.5
28.7 27.9
44.5 45.4
Total Equity by Subsidiaries
KB Kookmin Bank | 29,323.0 | 29,512.7 | 30,408.1 | 30,174.1 | 31,032.4 | 32,742.2 | 32,888.9 | 32,430.0 |
KB Securities2) | 4,804.2 | 4,998.3 | 5,054.2 | 5,162.5 | 5,320.2 | 5,433.1 | 5,485.6 | 5,638.9 |
KB Insurance3) | 4,057.0 | 4,114.1 | 3,991.7 | 3,831.9 | 3,952.0 | 4,117.8 | 4,143.3 | 3,824.6 |
KB Kookmin Card | 4,098.3 | 4,201.9 | 4,281.7 | 4,258.7 | 4,376.1 | 4,509.2 | 4,555.6 | 4,441.3 |
Prudential Life4) | 2,535.9 | 2,439.9 | 2,206.2 | 2,294.2 | 2,223.0 | 2,294.5 | 1,851.2 | |
KB Asset Management | 187.6 | 205.4 | 223.1 | 187.9 | 209.5 | 228.0 | 247.2 | 219.3 |
KB Capital | 1,274.0 | 1,410.2 | 1,431.6 | 1,479.0 | 1,530.6 | 1,589.5 | 1,822.2 | 1,997.0 |
KB Life Insurance | 636.9 | 631.4 | 582.1 | 527.0 | 522.8 | 500.7 | 460.3 | 319.1 |
KB Real Estate Trust | 301.1 | 318.3 | 329.5 | 321.6 | 338.1 | 365.7 | 376.8 | 352.6 |
KB Savings Bank | 218.9 | 222.0 | 225.6 | 231.9 | 250.8 | 258.7 | 262.1 | 269.4 |
KB Investment | 216.2 | 231.2 | 230.1 | 224.0 | 241.7 | 242.0 | 275.5 | 268.5 |
KB Data Systems | 21.6 | 20.8 | 17.3 | 16.0 | 15.8 | 17.0 | 18.6 | 18.4 |
KB Credit Information | 14.8 | 15.2 | 15.9 | 16.0 | 16.6 | 15.9 | 16.4 | 14.9 |
Net Income by Subsidiaries | ||||||||
KB Kookmin Bank | 660.4 | 635.7 | 415.8 | 688.5 | 734.1 | 777.7 | 390.5 | 977.3 |
KB Securities2) | 150.2 | 209.7 | 87.1 | 221.1 | 153.3 | 168.9 | 51.0 | 114.3 |
KB Insurance3) | 66.8 | 42.6 | -22.7 | 68.8 | 74.1 | 126.3 | 32.6 | 143.1 |
KB Kookmin Card | 81.7 | 91.4 | 69.5 | 141.5 | 111.3 | 121.3 | 44.8 | 118.9 |
Prudential Life4) | 11.1 | 44.6 | 112.1 | 80.3 | 63.2 | 80.6 | 74.0 | |
KB Asset Management | 17.2 | 17.8 | 17.9 | 19.9 | 22.5 | 18.4 | 19.1 | 11.8 |
KB Capital | 34.2 | 41.3 | 26.8 | 53.9 | 53.6 | 63.2 | 39.2 | 83.3 |
KB Life Insurance | 5.9 | -2.6 | -32.4 | -1.5 | -9.5 | -7.1 | -28.5 | -18.1 |
KB Real Estate Trust | 17.3 | 17.2 | 11.4 | 27.1 | 16.5 | 27.6 | 10.3 | 15.7 |
KB Savings Bank | 6.5 | 3.3 | 4.1 | 6.4 | 1.3 | 7.9 | 3.3 | 7.4 |
KB Investment | 6.8 | 15.0 | -1.1 | 3.9 | 17.7 | 0.2 | 33.5 | 3.0 |
KB Data Systems | -0.2 | -0.8 | -1.8 | -1.4 | -0.1 | 1.1 | 0.9 | -0.2 |
KB Credit Information | -0.3 | 0.4 | 0.8 | 0.1 | 0.5 | -0.6 | 0.4 | -1.5 |
1) Sum of assets of consolidated financial statement and AUM |
2) Financial information prior to 4Q16 represent financial results of KB Investment & Securities
3) Financial information prior to 2Q17 represent financial results of KB Insurance on a separate financial statement
4) Financial results have been fully consolidated in the Group's financial statements since 3Q20(one month period of Semptember)
KB Financial Group | 2Q20 | 3Q20 | 4Q20 | 1Q21 | 2Q21 | 3Q21 | 4Q21 | 1Q22(E) |
ROA (Quarterly) | 0.72% | 0.81% | 0.38% | 0.85% | 0.77% | 0.81% | 0.35% | 0.88% |
ROA (Cumulative) | 0.64% | 0.70% | 0.61% | 0.85% | 0.81% | 0.81% | 0.69% | 0.88% |
ROE (Quarterly)1) | 10.28% | 11.73% | 5.61% | 12.50% | 11.48% | 11.73% | 5.54% | 13.16% |
ROE (Cumulative)1) | 8.97% | 9.90% | 8.79% | 12.50% | 11.95% | 11.85% | 10.22% | 13.16% |
Basic EPS (Won, Quarterly) | 2,512 | 2,977 | 1,456 | 3,225 | 3,045 | 3,279 | 1,584 | 3,672 |
Basic EPS (Won, Cumulative) | 4,376 | 7,353 | 8,809 | 3,225 | 6,270 | 9,550 | 11,134 | 3,672 |
BPS (Won) | 93,706 | 97,551 | 100,485 | 102,304 | 106,637 | 112,243 | 113,425 | 113,002 |
NIM (Quarterly) | 1.74% | 1.73% | 1.75% | 1.82% | 1.82% | 1.83% | 1.85% | 1.91% |
NIM (Cumulative) | 1.78% | 1.77% | 1.76% | 1.82% | 1.82% | 1.82% | 1.83% | 1.91% |
CIR (Quarterly) | 48.5% | 49.5% | 67.4% | 47.3% | 46.8% | 45.6% | 59.2% | 45.4% |
CIR (Cumulative) | 50.6% | 50.3% | 54.7% | 47.3% | 47.1% | 46.6% | 49.7% | 45.4% |
Credit Cost Ratio (Quarterly) | 0.29% | 0.22% | 0.29% | 0.20% | 0.25% | 0.20% | 0.54% | 0.15% |
Credit Cost Ratio (Cumulative) | 0.27% | 0.25% | 0.26% | 0.20% | 0.22% | 0.22% | 0.30% | 0.15% |
NPL Ratio | 0.48% | 0.46% | 0.41% | 0.42% | 0.39% | 0.36% | 0.33% | 0.31% |
NPL Coverage Ratio(New)2) | 144.41% | 148.35% | 168.59% | 162.34% | 173.10% | 177.77% | 208.89% | 217.72% |
NPL Coverage Ratio(Old)3) | 296.50% | 311.61% | 345.87% | 336.51% | 363.69% | 381.60% | 433.28% | 454.55% |
BIS Ratio | 14.24% | 14.65% | 15.28% | 16.04% | 16.07% | 16.12% | 15.77% | 15.90% |
CET 1 Ratio | 12.91% | 13.06% | 13.30% | 13.79% | 13.73% | 13.92% | 13.46% | 13.42% |
KB Kookmin Bank | 2Q20 | 3Q20 | 4Q20 | 1Q21 | 2Q21 | 3Q21 | 4Q21 | 1Q22(E) |
ROA (Quarterly) | 0.65% | 0.60% | 0.38% | 0.63% | 0.65% | 0.66% | 0.28% | 0.81% |
ROA (Cumulative) | 0.62% | 0.61% | 0.55% | 0.63% | 0.64% | 0.65% | 0.55% | 0.81% |
ROE (Quarterly) | 9.19% | 8.66% | 5.57% | 9.30% | 9.71% | 9.73% | 4.74% | 12.21% |
ROE (Cumulative) | 8.67% | 8.67% | 7.86% | 9.30% | 9.48% | 9.53% | 8.30% | 12.21% |
NIM (Quarterly) | 1.50% | 1.49% | 1.51% | 1.56% | 1.56% | 1.58% | 1.61% | 1.66% |
NIM (Cumulative) | 1.53% | 1.52% | 1.51% | 1.56% | 1.56% | 1.57% | 1.58% | 1.66% |
CIR (Quarterly) | 48.6% | 47.7% | 67.9% | 50.4% | 47.4% | 47.9% | 62.2% | 45.5% |
CIR (Cumulative) | 49.0% | 48.6% | 53.6% | 50.4% | 48.9% | 48.6% | 52.2% | 45.5% |
NPL Ratio | 0.33% | 0.32% | 0.28% | 0.29% | 0.26% | 0.23% | 0.20% | 0.20% |
NPL Coverage Ratio(New) | 134.46% | 140.39% | 165.20% | 156.74% | 172.76% | 182.27% | 225.30% | 231.17% |
NPL Coverage Ratio(Old)2) | 343.31% | 360.07% | 407.40% | 389.38% | 431.85% | 471.18% | 563.65% | 574.36% |
BIS Ratio | 14.38% | 17.20% | 17.78% | 18.49% | 18.92% | 18.68% | 17.47% | 17.63% |
CET 1 Ratio | 12.79% | 15.07% | 15.10% | 15.60% | 15.88% | 15.88% | 14.70% | 14.90% |
Loan to Deposit Ratio | 100.4% | 99.9% | 101.7% | 100.4% | 100.4% | 100.1% | 100.2% | 98.8% |
1) Based on common equity | ||||||||
2) Including reserves for credit losses |
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Disclaimer
KB Financial Group Inc. published this content on 22 April 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 22 April 2022 07:27:01 UTC.
