The call highlighted strong capital ratios, record operating profit, and robust shareholder returns as key positive aspects. However, challenges in loan yields, slight declines in net fee income, and increased credit loss provisions present concerns. There is also significant uncertainty in market conditions.

Company Guidance

During the call, guidance was provided on several key financial metrics for KB Financial Group's performance in the first quarter of 2025. The Common Equity Tier 1 (CET1) ratio was reported at 13.67%, a 14 basis point increase quarter-over-quarter, reflecting stable capital management. The group achieved a net profit of KRW1.6973 trillion, with a return on equity (ROE) of 13.04%. Total operating profit reached approximately KRW4.6 trillion, driven by balanced growth in interest and non-interest income. The bank's net interest margin (NIM) increased by 4 basis points to 1.76%, while the group's non-interest income amounted to KRW1.292 trillion. General and administrative expenses were maintained at KRW1.6056 trillion, resulting in a cost-to-income ratio (CIR) of 35.3%. Provisions for credit losses were KRW655.6 billion, with a credit cost rate of 54 basis points. The group aims to maintain an annual credit cost in the mid-40 basis points range and target a 4.5% annual growth rate for risk-weighted assets. The capital return policy included a KRW912 per share cash dividend and a KRW300 billion share buyback and cancellation, enhancing shareholder value amidst market volatility.

Strong Capital Ratio and Profitability

CET1 ratio posted 13.67%, a 14 bp increase Q-o-Q, maintaining the industry's highest level. Q1 net profit was KRW1.6973 trillion, with a group ROE of 13.04%.

Record Operating Profit

Total operating profit reached a record high of approximately KRW4.6 trillion, demonstrating strong earning power.

Shareholder Returns and Dividend Increases

KRW912 cash dividend per share and KRW300 billion share buyback and cancellation announced. This represents a KRW108 increase compared to the previous quarter.

Balanced Growth in Non-Interest Income

Non-interest income amounted to KRW1.292 trillion, improving on both Q-o-Q and Y-o-Y basis, driven by securities performance.

Cost Efficiency Improvements

G&A expenses were down 1.4% Y-o-Y, and the group CIR reached a record low of 35.3%.

Kb Financial Group (KB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

KB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	3.18 / -	2.908	―	―	―
Jul 24, 2025	2025 (Q2)	3.19 / 3.39	3.405	-0.50% (-0.02)
Apr 24, 2025	2025 (Q1)	3.01 / 3.06	1.911	59.86% (+1.14)
Feb 05, 2025	2024 (Q4)	1.22 / 1.24	0.512	142.97% (+0.73)
Oct 24, 2024	2024 (Q3)	2.83 / 2.91	2.675	8.71% (+0.23)
Jul 23, 2024	2024 (Q2)	3.00 / 3.40	2.862	18.97% (+0.54)
Apr 25, 2024	2024 (Q1)	1.93 / 1.91	2.929	-34.76% (-1.02)
Feb 07, 2024	2023 (Q4)	0.89 / 0.51	0.768	-33.33% (-0.26)
Oct 24, 2023	2023 (Q3)	2.58 / 2.67	2.287	16.97% (+0.39)
Jul 25, 2023	2023 (Q2)	2.96 / 2.86	2.358	21.37% (+0.50)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

KB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$84.24	$90.36	+7.26%
Apr 24, 2025	$59.19	$59.24	+0.08%
Feb 05, 2025	$62.65	$60.21	-3.89%
Oct 24, 2024	$67.58	$66.96	-0.92%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Kb Financial Group (KB) report earnings?

Kb Financial Group (KB) is schdueled to report earning on Oct 23, 2025, TBA (Confirmed).

What is Kb Financial Group (KB) earnings time?

Kb Financial Group (KB) earnings time is at Oct 23, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is KB EPS forecast?

KB EPS forecast for the fiscal quarter 2025 (Q3) is 3.18.

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