KB Financial Group(US:KB)2025-10-30 07:00Financial Performance Highlights - 3Q25 Group net profit reached KRW 5,121.7 billion, a 16.6% YoY increase, driven by balanced growth in interest and fee income and disciplined cost control[22] - The non-bank sector contributed 37% to the group's net profit[14, 27, 30] - Group ROE stood at 11.72%, a 1.48%p YoY increase[24, 25] Key Financial Metrics - Group net interest income increased by 1.3% YoY to KRW 9,704.9 billion, supported by stable loan growth and reduced funding costs[36] - Group net non-interest income decreased slightly by 1.1% YoY to KRW 3,739.0 billion, but fee income grew by 3.5% YoY[41] - Group G&A expenses increased by 2.8% YoY to KRW 5,007.7 billion, with the CIR inching up by 0.7%p to 37.2%[47, 49] - Group provision for credit losses significantly decreased by 44.4% QoQ to KRW 364.5 billion, with the cumulative CCR stabilizing at 46bps[53] Capital Adequacy - Group BIS ratio was 16.28%, and CET-1 ratio was 13.83% as of September 2025, maintaining industry-leading capital adequacy despite RWA increase[60, 65] - Risk-weighted assets (RWA) grew by 3.5% YTD[10, 60] Subsidiary Performance - KB Kookmin Bank reported a net profit of KRW 3,364.5 billion with a ROE of 11.73%[30, 92] - KB Securities recorded a net profit of KRW 496.7 billion with a ROE of 9.73%, ranking No 1 in IPO and DCM league tables[30, 95] - KB Insurance's net profit was KRW 766.9 billion with a ROE of 18.58% and a K-ICS ratio of 191.8%[30, 99] - KB Kookmin Card's net profit reached KRW 280.6 billion with a ROE of 6.96%[30, 103]