KB FINANCIAL GROUP INC. KB Financial Group Fact Book
2021 3Q
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
Highlights
KB Financial Group
KB Kookmin Bank
KB Securities
KB Insurance
KB Kookmin Card
Prudential Life Insurance
Other Subsidiaries
Contacts
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 reviewed by the Group's independent auditor, and accordingly, is subject to change.
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.
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.
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.
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 3Q20(from September 2020).
Totals may not sum due to rounding.
Highlights
Return to Home | KB Financial Group | ||||||||||
◆ Financial Statements | |||||||||||
Disclaimer | (bn Won) | 4Q19 | 1Q20 | 2Q20 | 3Q20 | 4Q20 | 1Q21 | 2Q21 | 3Q21(E) | ||
KB Financial Group | |||||||||||
Highlights | Total Assets | 518,538.1 | 544,881.7 | 569,476.6 | 605,506.4 | 610,672.2 | 620,939.2 | 633,747.8 | 650,543.4 | ||
Total Liabilities | 479,418.8 | 506,072.2 | 529,172.5 | 563,398.5 | 567,310.7 | 576,873.8 | 588,022.4 | 602,865.6 | |||
KB Financial Group | Total Equity | 39,119.3 | 38,809.5 | 40,304.1 | 42,107.9 | 43,361.5 | 44,065.4 | 45,725.4 | 47,677.9 | ||
Net Income | 535.1 | 738.9 | 992.5 | 1,194.2 | 576.7 | 1,285.2 | 1,207.4 | 1,305.4 | |||
KB Kookmin Bank | Net Income (attributable to controlling interests) | 534.7 | 729.5 | 981.8 | 1,166.6 | 577.3 | 1,270.0 | 1,204.3 | 1,297.9 | ||
Total Asset including AUM1)2) | 789,776.8 | 810,377.1 | 873,465.3 | 908,358.7 | 996,287.2 | 1,031,606.6 | 1,063,753.7 | 1,121,758.9 | |||
KB Securities | (AUM)2) | 271,124.9 | 266,556.7 | 304,669.8 | 302,696.9 | 385,178.8 | 410,349.6 | 430,616.9 | 470,622.6 | ||
Total Assets by Subsidiaries | |||||||||||
KB Insurance | KB Kookmin Bank | 387,425.0 | 406,255.6 | 425,310.2 | 437,038.8 | 438,444.1 | 447,822.5 | 455,817.9 | 470,714.5 | ||
KB Securities3) | 47,816.5 | 54,009.3 | 56,606.6 | 55,843.0 | 57,570.7 | 56,757.5 | 56,893.6 | 57,240.9 | |||
KB Kookmin Card | KB Insurance4) | 36,552.4 | 37,122.3 | 37,677.1 | 38,082.9 | 39,078.1 | 39,264.1 | 40,267.9 | 41,097.4 | ||
KB Kookmin Card | 22,990.1 | 22,462.9 | 23,858.8 | 24,292.3 | 24,071.6 | 25,106.7 | 25,841.3 | 27,021.9 | |||
Prudential Life Insurance | |||||||||||
Prudential Life5) | 24,408.3 | 25,121.7 | 24,969.0 | 25,508.0 | 25,615.2 | ||||||
KB Asset Management | 310.0 | 392.9 | 385.9 | 413.3 | 335.6 | 312.2 | 343.8 | 363.1 | |||
Other Subsidiaries | KB Capital | 11,190.6 | 11,504.8 | 12,140.4 | 12,326.6 | 12,823.7 | 12,901.3 | 13,803.1 | 14,180.6 | ||
KB Life Insurance | 9,801.9 | 9,461.4 | 9,998.8 | 10,213.7 | 10,424.9 | 10,698.6 | 10,904.1 | 10,800.8 | |||
Contacts | KB Real Estate Trust | 377.9 | 374.1 | 393.4 | 420.4 | 437.6 | 438.2 | 445.2 | 475.9 | ||
KB Savings Bank | 1,361.0 | 1,403.4 | 1,550.0 | 1,700.7 | 1,883.7 | 2,084.2 | 2,345.8 | 2,587.1 | |||
KB Investment | 757.0 | 761.7 | 801.3 | 850.8 | 848.7 | 836.5 | 895.6 | 953.6 | |||
KB Data Systems | 41.7 | 44.1 | 44.5 | 42.7 | 40.3 | 38.9 | 41.8 | 57.6 | |||
KB Credit Information | 27.8 | 27.9 | 28.5 | 28.3 | 27.7 | 27.3 | 28.7 | 27.7 | |||
Total Equity by Subsidiaries | ||||||||
KB Kookmin Bank | 29,004.2 | 28,622.3 | 29,323.0 | 29,512.7 | 30,408.1 | 30,174.1 | 31,032.4 | 32,742.2 |
KB Securities3) | 4,684.7 | 4,619.8 | 4,804.2 | 4,998.3 | 5,054.2 | 5,162.5 | 5,320.2 | 5,433.1 |
KB Insurance4) | 3,862.9 | 3,978.7 | 4,057.0 | 4,114.1 | 3,991.7 | 3,831.9 | 3,952.0 | 4,117.8 |
KB Kookmin Card | 4,064.9 | 4,030.1 | 4,098.3 | 4,201.9 | 4,281.7 | 4,258.7 | 4,376.1 | 4,509.0 |
Prudential Life5) | ||||||||
2,535.9 | 2,439.9 | 2,206.2 | 2,294.2 | 2,223.0 | ||||
KB Asset Management | 195.2 | 169.7 | 187.6 | 205.4 | 223.1 | 187.9 | 209.5 | 228.0 |
KB Capital | 1,154.5 | 1,241.6 | 1,274.0 | 1,410.2 | 1,431.6 | 1,479.0 | 1,530.6 | 1,589.5 |
KB Life Insurance | 615.3 | 610.8 | 636.9 | 631.4 | 582.1 | 527.0 | 522.8 | 500.7 |
KB Real Estate Trust | 292.8 | 283.8 | 301.1 | 318.3 | 329.5 | 321.6 | 338.1 | 365.7 |
KB Savings Bank | 212.4 | 212.7 | 218.9 | 222.0 | 225.6 | 231.9 | 250.8 | 258.7 |
KB Investment | 214.8 | 209.5 | 216.2 | 231.2 | 230.1 | 224.0 | 241.7 | 242.0 |
KB Data Systems | 20.7 | 21.8 | 21.6 | 20.8 | 17.3 | 16.0 | 15.8 | 17.0 |
KB Credit Information | 14.9 | 15.1 | 14.8 | 15.2 | 15.9 | 16.0 | 16.6 | 15.9 |
Net Income by Subsidiaries | ||||||||
KB Kookmin Bank | 432.4 | 586.3 | 660.4 | 635.7 | 415.8 | 688.5 | 734.1 | 777.7 |
KB Securities3) | 33.2 | -21.4 | 150.2 | 209.7 | 87.1 | 221.1 | 153.3 | 168.9 |
KB Insurance4) | 0.4 | 77.2 | 66.8 | 42.6 | -22.7 | 68.8 | 74.1 | 126.3 |
KB Kookmin Card | 65.5 | 82.1 | 81.7 | 91.4 | 69.5 | 141.5 | 111.3 | 121.3 |
Prudential Life5) | 11.1 | 44.6 | 112.1 | 80.3 | 63.2 | |||
KB Asset Management | 13.0 | 4.4 | 17.2 | 17.8 | 17.9 | 19.9 | 22.5 | 18.4 |
KB Capital | 16.3 | 39.3 | 34.2 | 41.3 | 26.8 | 53.9 | 53.6 | 62.9 |
KB Life Insurance | -2.2 | 5.9 | 5.9 | -2.6 | -32.4 | -1.5 | -9.5 | -7.1 |
KB Real Estate Trust | 19.1 | 21.0 | 17.3 | 17.2 | 11.4 | 27.1 | 16.5 | 27.6 |
KB Savings Bank | 2.9 | 3.4 | 6.5 | 3.3 | 4.1 | 6.4 | 1.3 | 7.9 |
KB Investment | 13.2 | -5.3 | 6.8 | 15.0 | -1.1 | 3.9 | 17.7 | 0.2 |
KB Data Systems | 0.6 | 1.1 | -0.2 | -0.8 | -1.8 | -1.4 | -0.1 | 1.1 |
KB Credit Information | 0.2 | 0.2 | -0.3 | 0.4 | 0.8 | 0.1 | 0.5 | -0.6 |
- Simple arithmatic sum of each subsidiary's total assets(including AUM) on the financial statements for group reporting
- Starting in 4Q20, new standards have been applied to AUM calculation. Figures prior to 4Q20 have not been restated retrospectively
- Financial information prior to 4Q16 represent financial results of KB Investment & Securities
- Financial information prior to 2Q17 represent financial results of KB Insurance on a separate financial statement
- Financial results have been fully consolidated in the Group's financial statements since 3Q20(one month period of Semptember)
◆ Key Financial Indicators
KB Financial Group | 4Q19 | 1Q20 | 2Q20 | 3Q20 | 4Q20 | 1Q21 | 2Q21 | 3Q21(E) |
ROA (Quarterly) | 0.41% | 0.56% | 0.72% | 0.81% | 0.38% | 0.85% | 0.77% | 0.81% |
ROA (Cumulative) | 0.66% | 0.56% | 0.64% | 0.70% | 0.61% | 0.85% | 0.81% | 0.81% |
ROE (Quarterly) | 5.53% | 7.64% | 10.15% | 11.49% | 5.49% | 12.02% | 10.98% | 11.22% |
ROE (Cumulative) | 8.93% | 7.64% | 8.88% | 9.76% | 8.64% | 12.02% | 11.47% | 11.37% |
ROCE (Quarterly)1) | 5.57% | 7.70% | 10.28% | 11.73% | 5.61% | 12.50% | 11.48% | 11.73% |
ROCE (Cumulative)1) | 8.98% | 7.70% | 8.97% | 9.90% | 8.79% | 12.50% | 11.95% | 11.85% |
Basic EPS (Won, Quarterly) | 1,372 | 1,864 | 2,512 | 2,977 | 1,456 | 3,225 | 3,045 | 3,279 |
Basic EPS (Won, Cumulative) | 8,451 | 1,864 | 4,376 | 7,353 | 8,809 | 3,225 | 6,270 | 9,549 |
BPS (Won) | 91,871 | 91,213 | 93,706 | 97,551 | 100,484 | 102,304 | 106,637 | 112,241 |
NIM (Quarterly) | 1.88% | 1.83% | 1.74% | 1.73% | 1.75% | 1.82% | 1.82% | 1.83% |
NIM (Cumulative) | 1.94% | 1.83% | 1.78% | 1.77% | 1.76% | 1.82% | 1.82% | 1.82% |
CIR (Quarterly) | 64.8% | 53.2% | 48.5% | 49.5% | 67.4% | 47.3% | 46.8% | 45.6% |
CIR (Cumulative) | 54.9% | 53.2% | 50.6% | 50.3% | 54.7% | 47.3% | 47.1% | 46.6% |
Credit Cost Ratio (Quarterly) | 0.25% | 0.25% | 0.29% | 0.22% | 0.29% | 0.20% | 0.25% | 0.20% |
Credit Cost Ratio (Cumulative) | 0.20% | 0.25% | 0.27% | 0.25% | 0.26% | 0.20% | 0.22% | 0.22% |
NPL Ratio | 0.49% | 0.50% | 0.48% | 0.46% | 0.41% | 0.42% | 0.39% | 0.36% |
NPL Coverage Ratio(New)2) | 147.10% | 141.36% | 144.41% | 148.35% | 168.59% | 162.34% | 173.10% | 177.77% |
NPL Coverage Ratio(Old)3) | 301.79% | 293.54% | 296.50% | 311.61% | 345.87% | 336.51% | 363.69% | 381.60% |
BIS Ratio | 14.48% | 14.08% | 14.24% | 14.65% | 15.28% | 16.04% | 16.07% | 16.11% |
CET 1 Ratio | 13.58% | 13.02% | 12.91% | 13.06% | 13.30% | 13.79% | 13.73% | 13.91% |
KB Kookmin Bank | 4Q19 | 1Q20 | 2Q20 | 3Q20 | 4Q20 | 1Q21 | 2Q21 | 3Q21(E) |
ROA (Quarterly) | 0.45% | 0.59% | 0.65% | 0.60% | 0.38% | 0.63% | 0.65% | 0.66% |
ROA (Cumulative) | 0.65% | 0.59% | 0.62% | 0.61% | 0.55% | 0.63% | 0.64% | 0.65% |
ROE (Quarterly) | 5.96% | 8.18% | 9.19% | 8.66% | 5.57% | 9.30% | 9.71% | 9.73% |
ROE (Cumulative) | 8.82% | 8.18% | 8.67% | 8.67% | 7.86% | 9.30% | 9.48% | 9.53% |
NIM (Quarterly) | 1.61% | 1.56% | 1.50% | 1.49% | 1.51% | 1.56% | 1.56% | 1.58% |
NIM (Cumulative) | 1.67% | 1.56% | 1.53% | 1.52% | 1.51% | 1.56% | 1.56% | 1.57% |
CIR (Quarterly) | 64.0% | 49.4% | 48.6% | 47.7% | 67.9% | 50.4% | 47.4% | 47.9% |
CIR (Cumulative) | 53.1% | 49.4% | 49.0% | 48.6% | 53.6% | 50.4% | 48.9% | 48.6% |
NPL Ratio | 0.37% | 0.36% | 0.33% | 0.32% | 0.28% | 0.29% | 0.26% | 0.23% |
NPL Coverage Ratio(New)2) | 130.16% | 126.73% | 134.46% | 140.39% | 165.20% | 156.74% | 172.76% | 182.27% |
NPL Coverage Ratio(Old)3) | 324.61% | 326.13% | 343.31% | 360.07% | 407.40% | 389.38% | 431.85% | 471.18% |
BIS Ratio | 15.85% | 15.01% | 14.38% | 17.20% | 17.78% | 18.49% | 18.92% | 18.68% |
CET 1 Ratio | 14.37% | 13.56% | 12.79% | 15.07% | 15.10% | 15.60% | 15.88% | 15.88% |
Loan to Deposit Ratio4) | 94.1% | 98.3% | 100.4% | 99.9% | 101.7% | 100.4% | 100.4% | 100.1% |
- Common shares basis, eliminating the effects of supplementary capital
- Based on new formula in accordance with FSS guideline: Loan loss reserves / NPL (i.e. not including reserves for credit losses)
- Including reserves for credit losses
- Based on new formula in accordance with FSS guideline from 2020
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Disclaimer
KB Financial Group Inc. published this content on 21 October 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 21 October 2021 07:23:12 UTC.
