KB Financial Group announced its first half 2025 business results via live internet and mobile broadcast on July 24.
KB Financial Group’s net income in the first half of this year grew by 23.8% year-on-year to 3,435.7 billion won, with a return on equity (ROE) of 13.03%.
Despite a decrease in its interest income due to falling interest rates, the financial group achieved a solid performance as its non-interest income expanded overall thanks to the expiration of the previous year’s ELS provisioning impact, a drop in won-dollar exchange rates and rising stock indices.
In the second quarter, KB Financial Group’s net income reached 1,738.4 billion won, thanks to balanced growth in both its banking and non-banking businesses, despite a decline in interest rates.
The financial group’s net fee income grew by 10.5% from the previous quarter to 1.032 trillion won, achieving over 1 trillion won in net fee income for the first time on a quarterly basis, driving its performance.
Among key management indicators announced, the financial group’s common equity tier 1 (CET1) ratio and BIS capital adequacy ratio stood at 13.74% and 16.36%, respectively, as of the end of June thanks to efficient capital allocation and stable risk-weighted asset management.
This placed the financial group at the highest level of capital adequacy in the Korean financial industry.
Expanding Business for Senior Citizens
KB Financial Group is consolidating the senior business capabilities of its affiliates under the senior-specialized brand “KB Golden Life” and providing “senior total care solutions” that encompass both financial and non-financial services.
Since launching its senior-focused brand KB Golden Life in 2012, KB Financial Group has been a leader in the financial sector in providing financial services for senior citizens, such as retirement and elderly asset management, inheritance, and gifts.
KB Financial will establish a senior business collaboration model that integrates the financial group’s customers, products/services and channel management capabilities based on KB Golden Life.
KB Financial Group has established a senior customer-specialized organization called the Golden Life Division within KB Kookmin Bank to develop senior business strategies and specialized services for senior customers.
KB Financial Group will expand its senior-dedicated consulting center, ‘KB Golden Life Center,’ from the current five centers centered in Seoul and the capital region to 12 centers nationwide.
Furthermore, KB Financial Group will diversify product lineups of KB Golden Life to align with the changing life cycles of senior customers.
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