What is Kb Financial Group's latest dividend and current dividend yield?

What were the key takeaways from Kb Financial Group’s earnings call?

What is the market's earnings forecast for Kb Financial Group next quarter?

What is Kb Financial Group's gross profit margin?

What is the revenue and EPS growth rate for Kb Financial Group year over year?

What guidance did Kb Financial Group's management provide for the next earnings period?

What were the key takeaways from Kb Financial Group's earnings call?

What factors drove the changes in Kb Financial Group's revenue and profit?

- **Profit resilience**: Q3 net profit up 16.6% YoY, ROE 12.78%, driven by fee income growth.
- **Deposit strength**: Core deposits offset loan growth challenges, NIM stable at 1.74%.
- **Capital market expansion**: Nonbank subsidiaries contribute 37% of profit, fee income up 3.5% YoY.
- **Credit improvement**: Provisioning down 44% QoQ, credit cost 30 bps, targeting mid-40s basis points.
- **Strategic focus**: Productive finance, venture capital, and capital market leadership.
- **Risk management**: Maintaining high capital ratios (BIS 16.28%, CET1 13.83%), cautious on household debt.

**【Management Opening Remarks】**
- Emphasized navigating external uncertainties through strong deposit base and cost control.
- Q3 net profit: KRW 1.686 trillion (16.6% YoY growth), cumulative ROE 12.78%.
- Q3 cash dividend: KRW 931 DPS, total KRW 335.7 billion.
- Nonbank subsidiaries contribute 37% of cumulative net profit.

**【CFO Financial Commentary】**
- Q3 net interest income: KRW 3.336 trillion (flat YoY), NIM 1.74% (bank) / 1.96% (group).
- Fee income growth: 3.5% YoY, driven by brokerage (16.5%) and asset management (22.3%).
- General G&A: 2.8% YoY growth, CIR 37.2%.
- Provision for credit losses: KRW 364.5 billion (44.4% QoQ decline), credit cost 30 bps (Q3).
- Capital adequacy: BIS 16.28%, CET1 13.83%.

**【Q&A Highlights】**
- NIM outlook: Gradual decline in H2, offset by deposit growth and cost management.
- Loan growth: Household 0.7% QoQ, corporate 1.0% QoQ, targeting 5% annual growth.
- Productive finance: Focus on SMEs, venture capital, and capital market expansion.
- Shareholder returns: Maintain industry-leading TSR, flexible dividend policy.
- Regulatory risks: FX volatility, household debt management, housing market stabilization.

KB Financial Group Inc. (KB) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

KB

KB fundamentals

You can ask Aime