KB Financial Group Inc 6-K, filed Mar 6, 2026

KB Financial Group Inc. (KB)

6-K 2026-03-06 For: 2026-03-06

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Added on July 04, 2026

About this 6-K

KB Financial Group Inc filed this 6-K on March 6, 2026.

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Current Provisions	(Proposed) Amendments	Remarks

Article 26(Place of Meeting) The General Meeting of Shareholders shall be held in the city where the head office is located or any other places adjacent thereto as required	Article 26(Place of Meeting) (1) (Same as left) (2) The Company shall convene the General Meeting of Shareholders in a manner that allows certain shareholders to participate in the meeting and exercise their voting rights remotely by electronic means pursuant to Article 542-14, Paragraph 1 of the Commercial Code.	Establishment of a basis for adopting an electronic shareholders’ meeting system pursuant to the amended Commercial Code

Article 31 (Voting by Proxy) (1) A shareholder may exercise his/her voting rights by proxy. (2) In the case of Paragraph (1) above, the proxy holder shall file with the Company the documents (power of attorney) evidencing the authority to act as a proxy before the General Meeting of Shareholders.	Article 31 (Voting by Proxy) (1) (Same as left) (2) In the case of Paragraph (1) above, the proxy holder shall file with the Company the written or electronic documents evidencing the authority to act as a proxy before the General Meeting of Shareholders.	Proof of proxy authority through electronic documents pursuant to the amended Commercial Code

Article 42 (Director’s Obligation) (1) Directors shall attend the meeting of the Board of Directors and shall perform their respective duties faithfully. During his/her service period and after this/her retirement, Directors shall not disclose trade secrets of the Company obtained in the course of his/her performance of duties. (2) If any Director finds any facts which may cause substantial losses to the Company, such Director shall promptly report to the Audit Committee thereof. (3) (New Addition)	Article 42 (Director’s Obligation) (1) Directors shall attend the meeting of the Board of Directors and shall perform their respective duties faithfully for the interest of the Company and the shareholders. During his/her service period and after this/her retirement, Directors shall not disclose trade secrets of the Company obtained in the course of his/her performance of duties. (2) (Same as left) (3) In performing their duties, Directors shall protect the interests of shareholders as a whole and treat the interests of all shareholders fairly.	Expansion of the scope of Directors’ duty of loyalty to include shareholders pursuant to the amended Commercial Code



Agendum	Name	Date of Birth	Nominator	BoD Meeting Attendance Rate for FY2025	Term of Office
4 - 1) Appointment of Non-Executive Director	Jaehong Choi	08/01/1962	Non-Executive Director Nominating Committee	100%	1 year
4 - 2) Appointment of Non-Executive Director	Myong - Hwal Lee	05/04/1964	Non-Executive Director Nominating Committee	100%	1 year
4 - 3) Appointment of Non-Executive Director	Jeong Ho Seo	08/20/1969	Non-Executive Director Nominating Committee	N/A	2 years



Name	Main Position	Career
Jaehong Choi (Re-appointment)	• Professor, Startup College, Gachon University	• Professor, Startup College, Gachon University (Sept. 2023~Current) • Chief Director, Gangwon Center for Creative Economy and Innovation (May 2022~Feb. 2025) • Professor, Department of Multimedia & IT Engineering, Gangneung-Wonju National University (Sept. 1992~Aug. 2023) • Non-Executive Director, Kakao Corp. (Oct. 2014~Feb. 2020)

Myong-Hwal Lee (Re-appointment)	• Senior Research Fellow, Korea Institute of Finance	• Senior Research Fellow, Korea Institute of Finance (Apr. 2018~Current) • Director, Center for International Financial Cooperation, Korea Institute of Finance (Mar. 2023~ Jul. 2024) • Non-Executive Director, Woori Financial Capital, Co., Ltd. (Sept. 2021~ Mar. 2024) • Member, Sanction Review Committee, Financial Supervisory Service (Nov. 2019~Nov. 2022) • Member, Postal Services Steering Committee (Apr. 2018~Apr. 2022) • Professional Director, Korea Federation of Savings Banks (Mar. 2016~Mar. 2019) • Member, Financial Creditors’ Coordination Committee (Jun. 2016~Nov. 2018) • Vice President, Korea Money and Finance Association (Jun. 2016~Jun. 2018) • Vice President, Korea Institute of Finance (Apr. 2016~Mar. 2018) • Director of Research Strategy and External Affairs Division, Korea Institute of Finance (Jan. 2016~Apr. 2016)



Name	Main Position	Career
Jeong Ho Seo (New appointment)	• Managing Partner, Wiz Law Group	• Managing Partner, Wiz Law Group (Dec. 2025~Current) • Legal Counsel, Seoul Regional Office of the National Tax Service (May. 2025~Current) • Member, Tax Ruling Review Committee, Ministry of Finance and Economy (Feb. 2023~Current) • Non-Executive Director, Hanwha Solutions (Mar. 2020~Current)⁽⁴⁾ • Partner, Wiz Law Group (Jan. 2019~Nov. 2025) • Non-Executive Director, Hyundai Capital Co., Ltd. (Mar. 2022~Mar. 2025) • Member, Legal Interpretation Review Committee, Financial Services Commission (Feb. 2021~Jan. 2025) • Member, Management and Budget Review Committee, Financial Services Commission (Jul. 2022~Jun. 2024) • Member, Sanctions Review Committee, Financial Supervisory Service (Mar. 2022~Feb. 2024) • Member, Financial Development Review Committee, Financial Services Commission (Feb. 2020~Feb. 2022) • Non-Executive Director, Haatz Co., Ltd. (Mar. 2017~Mar. 2021) • Member, Listing Review Committee, Korea Exchange (Mar. 2019~Feb. 2021) • Non-Executive Director, Hanwha General Insurance Co., Ltd. (Mar. 2019~Mar. 2020) • Member, the Disciplinary Committee of Korea Exchange (Mar. 2016~Feb. 2019) • Partner, Dikeion Law Group (Nov. 2008~Dec. 2018) • Non-standing Commissioner Tax Tribunal (Jul. 2009~Jun. 2018) • Non-Executive Director, Hansol Chemical Co., Ltd. (Mar. 2014~Mar. 2017)



Name		Goals and Objectives
Jaehong Choi		• He will carry out the designated roles and responsibilities of a non-executive director to help KB Financial Group realize customers’ happiness and a better world through the new financial paradigm the Group is building, and to contribute to the development of the financial industry through shared growth with the people. • A preeminent expert in the Digital/IT sector, he holds a Ph.D. in Electronic Engineering and served as a Professor of Multimedia Engineering for 30 years. He is currently a professor at Gachon University Startup College. He possesses deep insights into rapidly evolving industry trends and the capability to contribute meaningfully to the Company’s strategic decision-making processes. • With 10 years of experience as a Non-executive Director at Kakao and KB Financial Group, he has developed a deep understanding of corporate governance. Leveraging his expertise in Digital/IT and AI, he is committed to moving beyond the traditional role of monitoring and supervising management. Instead, he will take a proactive and engaged role by fostering organic communication with executives and employees. • Furthermore, he will faithfully discharge his duties to establish a foundation for sustainable growth through the advancement of KB Financial Group’s governance, represent the interests of shareholders, and protect all financial consumers.

Myong-Hwal Lee		• He will carry out the designated roles and responsibilities of a non-executive director to help KB Financial Group realize customers’ happiness and a better world through the new financial paradigm the Group is building, and to contribute to the development of the financial industry through shared growth with the people. • He is a macroeconomics expert and holds a Ph.D. in economics. After beginning his career at the Bank of Korea, he moved to the Korea Institute of Finance (KIF). His leadership tenure at KIF includes serving as the Vice President and head of various research divisions, including Corporate Debt and Planning. He is currently a Senior Research Fellow in the Digital Finance Research Division, leveraging his deep expertise in macroeconomic and international finance. • Based on his expertise in macroeconomics and risk management, he has served as a non-executive director at financial institutions across various sectors, including Woori Financial Capital Co., Ltd. and the Korea Federation of Savings Banks. Having served as a non-executive director of KB Financial Group for the past two years, he has demonstrated a deep understanding of the roles and responsibilities of the position by analyzing key issues from diverse perspectives. • In today’s financial environment, characterized by heightened uncertainty and frequently evolving regulatory standards, he will leverage his extensive experience and expertise in the financial and economic sectors to help ensure that the Group operates its business in a stable manner and safeguards customer assets through robust and systematic risk management. • He will review all agenda items with a rational and balanced perspective and participate in the decision-making process to ensure that the interests of not only customers but also all shareholders are prioritized. He remains committed to faithfully performing his duties as a non-executive director.



Name		Reasons for Recommendation
Jaehong Choi		• The nominee is a preeminent expert in the ICT sector, and is currently serving as a professor at Gachon University Startup College. In addition to his extensive academic career, he has accumulated significant practical experience by serving as a business advisor at leading tech companies such as NHN Japan and e-Samsung Japan. • Over the past four years, he has faithfully performed the fundamental roles of a non-executive director in decision-making and in overseeing and supervising the Group’s major corporate operations. He has proactively applied his expertise by receiving regular briefings on the Group’s AI, Digital, and IT strategic plans and providing management with critical feedback to drive technological excellence. • His dedicated efforts have served as a vital foundation for KB Financial Group’s successful AI and digital transformation, enabling the Group to secure core competitiveness for the future of finance. Furthermore, he has played a key role in ensuring a robust response to cybersecurity and information security issues, which are increasingly critical in the current financial landscape. • Leveraging a decade of experience as a non-executive director at both KB Financial Group and Kakao, he has served as the Chairman of the non-executive director nomination committee since March 2025. In this capacity, he has contributed significantly to the transparency and independence of the Group’s corporate governance. Based on his proven expertise and profound experience, we are confident he will continue to excel in his role and hereby recommend him for re-appointment as a non-executive Director.

Myong-Hwal Lee		• The nominee is a macroeconomics expert holding a Ph.D. in economics. He has held several key leadership positions at the Korea Institute of Finance (KIF), including Director of the Macroeconomic and International Finance Division, Head of the Corporate Debt Research Center, Director of the Planning and Cooperation Division and Vice President. He currently serves as a Senior Research Fellow at the institute. • Based on his profound knowledge and insights across finance, economics, and risk management—along with a deep understanding of international financial markets—he possesses top-tier expertise capable of providing strategic policy directions for both global business operations and comprehensive financial risk management. • Since his appointment as a non-executive director of KB Financial Group in March 2024, the nominee has led discussions on key corporate issues with balanced judgment, bridging theoretical depth and practical field experience. In 2025, he served as the inaugural chairman of the newly established Internal Control Committee. In this role, he established the institutional foundation necessary to implement an effective, integrated management and supervision system for internal controls. • Leveraging his extensive experience at the Bank of Korea and the KIF, he has accurately identified core challenges amidst evolving financial environments and regulatory standards, providing management with the insights needed to drive the Group’s stable growth. We believe his academic insights and broad policy perspectives will continue to significantly enhance the professionalism and independence of the Board and its committees. Accordingly, he is recommended as a nominee for re-appointment as a non-executive director.



Name		Goals and Objectives

Whajoon Cho		• She will carry out the designated roles and responsibilities of a non-executive director to help KB Financial Group realize customers’ happiness and a better world through the new financial paradigm the Group is building, and to contribute to the development of the financial industry through shared growth with the people. • She has extensive experience as a finance expert, having served as an executive officer of finance and investor relations at KT Corporation and as the CFO of KTF, BC Card, and KT Capital Corporation. At KT Capital Corporation, she has also served as the first female CEO within the KT Group. In addition, she holds a Ph.D. in accounting and has accumulated profound insights and experience in accounting through her university lectures and her role as a standing auditor at Mercedes-Benz Financial Services Korea. • As a non-executive director of KB Financial Group for the past three years, she has consistently taken a deep interest in the Group’s major issues and proposed a wide range of solutions. Furthermore, by balancing appropriate oversight and support for the management, she has faithfully fulfilled the roles and responsibilities of a non-executive director to ensure the Board considers the interests of both the Group and its shareholders in a balanced manner. • Since assuming the role of Chairman of the Board in March 2025, she has provided opinions from an independent perspective, driving KB’s growth as a leader in corporate governance. Moving forward, rather than merely accepting reports from management, she will continue to represent the interests of all shareholders and financial consumers by closely examining and questioning internal and external risk factors from a long-term perspective. She is committed to faithfully discharging the duties of a non-executive director to ensure the Group’s sustainable growth and value creation.



Name		Goals and Objectives
Sung-Yong Kim		• He will carry out the designated roles and responsibilities of a non-executive director to help KB Financial Group realize customers’ happiness and a better world through the new financial paradigm the Group is building, and to contribute to the development of the financial industry through shared growth with the people. • He is a distinguished legal professional with extensive experience in both practice and academia. After passing the Judicial Examination, he built a solid professional foundation as an attorney at a leading law firm. He has been serving as a Professor at Sungkyunkwan University Law School for 19 years. In addition, through his service as a member of the Corporate Governance Research Committee of the Korea ESG Standards Institute and as a non-executive director at other financial institutions, he has developed a high level of expertise and understanding in corporate governance. • As a legal expert, he will faithfully discharge his duties and responsibilities as a non-executive director by conducting multifaceted reviews of the Group’s key issues and providing practical insights to minimize legal risks. Furthermore, drawing upon his extensive experience and professional expertise, he will meticulously assess the legality of board resolutions and other corporate matters to support the Board of Directors in making rational and informed decisions. • In response to the evolving regulatory landscape, including amendments to the Commercial Act that strengthen the Board’s duty of loyalty to shareholders, he is committed to equitably representing the interests of all shareholders. Furthermore, he will faithfully discharge his duties as a non-executive director to ensure the sustainable growth of KB Financial Group by prioritizing financial consumer protection, thereby creating long-term value for all stakeholders.



Name		Reasons for Recommendation
Sun Yeop Kim		• The nominee not only fully satisfies the basic qualification requirements for an Audit Committee member under relevant laws and internal regulations, but is also an accounting expert, a designation required for at least one member of the Audit Committee under the Act on Corporate Governance of Financial Companies. • As a Certified Public Accountant (CPA) with 29 years of dedicated experience in auditing, he possesses a profound understanding of financial holding companies, gained through his extensive involvement in M&A and mid-to-long-term strategic planning for various financial institutions. • Despite being appointed as the Chair of the Audit Committee in his first year as a non-executive director of the Group—a role demanding the highest level of independence and objectivity—he has successfully led the Committee to function as an effective independent oversight body through continuous communication and coordination of perspectives among its members. • In particular, he is highly regarded for his meticulous execution of the Committee’s core functions in key areas such as internal control and accounting practices. Given his exceptional understanding of the Audit Committee’s roles and responsibilities, he is recommended as an ideal candidate to continue faithfully discharging these duties.



		For fiscal year 2026
Number of Directors (Number of Non-Executive Directors)		9 (7)*

Aggregate Remuneration Limit		Won 3.0 billion will be proposed as the maximum amount of aggregate remuneration that may be disbursed to the directors of KB Financial Group for fiscal year 2026. The board of directors will approve and ratify the payment allocation. Additionally, in case treasury shares (or the equivalent monetary value) are disbursed as long-term incentives, 30,000 treasury shares will be the maximum aggregate amount of shares that may be disbursed to the directors of KB Financial Group. The board of directors will approve and ratify the standard and method of allocation and disbursements thereof.



		For fiscal year 2025
Number of Directors (Number of Non-Executive Directors)		9 (7)

Aggregate Remuneration Paid		Won 1.965 billion

Aggregate Remuneration Limit		Won 3.0 billion


	KB Financial Group Inc.
	(Registrant)


Date: March 6, 2026	By:	/s/ Sang Rok Na
		(Signature)

	Name:	Sang Rok Na
	Title:	Senior Managing Director and Chief Financial Officer


(In millions of Korean won)	Notes		December 31, 2025			December 31, 2024
Assets
Cash and due from financial institutions		4,5,6,29	W	974,585		W	398,391
Financial assets at fair value through profit or loss		4,5,7		1,251,607			1,243,471
Loans measured at amortized cost		4,5,8		349,112			359,054
Investments in subsidiaries		9		26,867,817			26,867,817
Property and equipment		10		2,896			2,800
Intangible assets		11		13,207			14,497
Net defined benefit assets		17		3,058			2,902
Deferred income tax assets		13		9,354			5,257
Other assets		4,5,14		1,381,504			912,634

Total assets			W	30,853,140		W	29,806,823

Liabilities
Borrowings		4,5,15		—			965,000
Debentures		4,5,16		4,520,297			2,962,032
Current income tax liabilities				544,056			502,705
Other liabilities		4,5,18		853,551			388,528

Total liabilities				5,917,904			4,818,265

Equity		19
Share capital				2,090,558			2,090,558
Hybrid securities				4,359,256			5,082,359
Capital surplus				14,751,591			14,754,475
Accumulated other comprehensive loss				(8,601	)		(8,316	)
Retained earnings				5,643,970			4,305,542
Treasury shares				(1,901,538	)		(1,236,060	)

Total equity				24,935,236			24,988,558

Total liabilities and equity			W	30,853,140		W	29,806,823


(In millions of Korean won, except per share amounts)	Notes		2025			2024
Interest income			W	31,879		W	38,702
Interest income from financial instruments at amortized cost				28,534			35,860
Interest income from financial instruments at fair value through profit or loss				3,345			2,842
Interest expense				(118,080	)		(101,073	)

Net interest expense		21		(86,201	)		(62,371	)

Fee and commission income				2,134			2,213
Fee and commission expense				(9,068	)		(9,460	)

Net fee and commission expense		22		(6,934	)		(7,247	)

Net gains (losses) on financial instruments at fair value through profit or loss		23		76,649			91,892

Net other operating income		24		3,778,449			2,243,253

General and administrative expenses		25		(102,905	)		(95,655	)

Operating income before provision for credit losses				3,659,058			2,169,872
Provision (reversal) for credit losses				56			773

Net operating income				3,659,114			2,170,645
Net non-operating income (expense)		26		(795	)		10

Profit before tax				3,658,319			2,170,655
Income tax benefit (expense)		27		(686	)		(58	)

Profit for the period				3,657,633			2,170,597

Items that will not be reclassified to profit or loss:
Remeasurements of net defined benefit liabilities				(285	)		(1,507	)

Other comprehensive income (loss) for the period, net of tax				(285	)		(1,507	)

Total comprehensive income for the period			W	3,657,348		W	2,169,090

Earnings per share		28
Basic earnings per share			W	9,456		W	5,203
Diluted earnings per share				9,364			5,142


(In millions of Korean won)	Share capital		Hybrid securities			Capital surplus			Accumulated other comprehensive income			Retained earnings			Treasury shares			Total equity
Balance as of January 1, 2024	W	2,090,558	W	5,032,518		W	14,754,747		W	(6,809	)	W	4,336,898		W	(1,165,837	)	W	25,042,075

Comprehensive income for the period
Profit for the period		—		—			—			—			2,170,597			—			2,170,597
Remeasurements of net defined benefit liabilities		—		—			—			(1,507	)		—			—			(1,507	)

Total comprehensive income for the period		—		—			—			(1,507	)		2,170,597			—			2,169,090

Transactions with shareholders
Annual dividends		—		—			—			—			(587,006	)		—			(587,006	)
Quarterly dividends		—		—			—			—			(899,972	)		—			(899,972	)
Acquisition of treasury shares		—		—			—			—			—			(820,000	)		(820,000	)
Disposal of treasury shares		—		—			3,975			—			—			234,600			238,575
Retirement of treasury shares		—		—			—			—			(515,177	)		515,177			—
Consideration for exchange right of exchangeable bonds		—		—			(11,933	)		—			—			—			(11,933	)
Issuance of hybrid securities		—		399,045			—			—			—			—			399,045
Redemption of hybrid securities		—		(349,204	)		—			—			—			—			(349,204	)
Dividends on hybrid securities		—		—			—			—			(199,798	)		—			(199,798	)
Others		—		—			7,686			—			—			—			7,686

Total transactions with shareholders		—		49,841			(272	)		—			(2,201,953	)		(70,223	)		(2,222,607	)

Balance as of December 31, 2024	W	2,090,558	W	5,082,359		W	14,754,475		W	(8,316	)	W	4,305,542		W	(1,236,060	)	W	24,988,558

Balance as of January 1, 2025	W	2,090,558	W	5,082,359		W	14,754,475		W	(8,316	)	W	4,305,542		W	(1,236,060	)	W	24,988,558

Comprehensive income for the period
Profit for the period		—		—			—			—			3,657,633			—			3,657,633
Remeasurements of net defined benefit liabilities		—		—			—			(285	)		—			—			(285	)

Total comprehensive income for the period		—		—			—			(285	)		3,657,633			—			3,657,348

Transactions with shareholders
Annual dividends		—		—			—			—			(298,285	)		—			(298,285	)
Quarterly dividends		—		—			—			—			(1,004,006	)		—			(1,004,006	)
Acquisition of treasury shares		—		—			—			—			—			(1,480,000	)		(1,480,000	)
Retirement of treasury shares		—		—			—			—			(814,522	)		814,522			—
Issuance of hybrid securities		—		404,013			—			—			—			—			404,013
Redemption of hybrid securities		—		(1,127,116	)		—			—			—			—			(1,127,116	)
Dividends on hybrid securities		—		—			—			—			(202,392	)		—			(202,392	)
Others		—		—			(2,884	)		—			—			—			(2,884	)

Total transactions with shareholders		—		(723,103	)		(2,884	)		—			(2,319,205	)		(665,478	)		(3,710,670	)

Balance as of December 31, 2025	W	2,090,558		4,359,256			14,751,591			(8,601	)		5,643,970			(1,901,538	)		24,935,236


	Notes	December 31, 2025			December 31, 2024
Assets
Cash and due from financial institutions	4,6,7,8,39	W	34,776,877		W	29,869,111
Financial assets at fair value through profit or loss	4,6,8,12		89,862,530			79,450,093
Derivative financial assets	4,6,9		8,178,056			11,730,767
Loans measured at amortized cost	4,6,10,11		491,978,044			472,071,840
Financial investments	4,6,8,12		134,986,677			131,009,464
Investments in associates and joint ventures	13		1,137,184			947,390
Insurance contract assets	38		271,152			276,191
Reinsurance contract assets	38		1,515,854			1,497,147
Property and equipment	14		5,133,801			5,390,015
Investment property	14		3,224,180			3,759,176
Intangible assets	15		1,609,427			1,966,684
Net defined benefit assets	25		353,366			258,500
Current income tax assets			388,589			339,855
Deferred income tax assets	17,34		193,034			278,824
Assets held for sale	18		174,919			136,838
Assets of disposal groups classified as held for sale	18		94,215			—
Other assets	4,6,19		24,045,128			18,863,637

Total assets		W	797,923,033		W	757,845,532

Liabilities
Financial liabilities at fair value through profit or loss	4,6,20	W	11,320,590		W	10,720,231
Derivative financial liabilities	4,6,9		8,234,289			11,783,494
Deposits	4,6,21		462,397,026			435,687,897
Borrowings	4,6,22		70,728,396			68,077,012
Debentures	4,6,23		80,049,270			76,171,257
Insurance contract liabilities	38		56,790,030			55,863,701
Reinsurance contract liabilities	38		59,648			56,266
Provisions	24		1,264,390			927,632
Net defined benefit liabilities	25		100,088			100,187
Current income tax liabilities			610,484			530,720
Deferred income tax liabilities	17,34		1,819,080			1,682,292
Liabilities included in disposal groups as held for sale	18		68,290			—
Other liabilities	4,6,26		43,651,463			36,429,662

Total liabilities			737,093,044			698,030,351

Equity
Share capital			2,090,558			2,090,558
Hybrid securities			4,359,388			5,082,578
Capital surplus			16,633,518			16,646,734
Accumulated other comprehensive income	36		(467,456	)		496,922
Retained earnings			38,333,741			34,808,220
Treasury shares			(1,901,538	)		(1,236,060	)

Equity attributable to shareholders of the Parent Company	27		59,048,211			57,888,952
Non-controlling interests			1,781,778			1,926,229

Total equity			60,829,989			59,815,181

Total liabilities and equity		W	797,923,033		W	757,845,532


	Equity attributable to shareholders of the Parent Company
	Share capital		Hybrid securities			Capital surplus			Accumulated other comprehensive income			Retained earnings			Treasury shares			Non-controlling interests			Total equity
Balance as of January 1, 2024	W	2,090,558	W	5,032,803		W	16,647,916		W	2,152,644		W	31,934,600		W	(1,165,837	)	W	1,943,506		W	58,636,190

Comprehensive income for the year
Profit for the year		—		—			—			—			5,078,221			—			(49,615	)		5,028,606
Remeasurements of net defined benefit liabilities		—		—			—			(85,946	)		—			—			571			(85,375	)
Currency translation differences		—		—			—			547,337			—			—			35,535			582,872
Gains (losses) on financial instruments at fair value through other comprehensive income and transfer to retained earnings		—		—			—			1,216,509			(2,647	)		—			(427	)		1,213,435
Share of other comprehensive income of associates and joint ventures		—		—			—			165			—			—			—			165
Gains (losses) on cash flow hedging instruments		—		—			—			34,763			—			—			(22	)		34,741
Losses on hedging instruments of net investments in foreign operations		—		—			—			(186,708	)		—			—			—			(186,708	)
Insurance finance expenses		—		—			—			(3,176,328	)		—			—			—			(3,176,328	)
Fair value changes of financial liabilities designated at fair value through profit or loss due to own credit risk		—		—			—			(5,514	)		—			—			—			(5,514	)

Total comprehensive income for the year		—		—			—			(1,655,722	)		5,075,574			—			(13,958	)		3,405,894

Transactions with shareholders
Annual dividends paid to shareholders of the Parent Company		—		—			—			—			(587,006	)		—			—			(587,006	)
Quarterly dividends paid to shareholders of the Parent Company		—		—			—			—			(899,971	)		—			—			(899,971	)
Issuance of hybrid securities		—		399,059			—			—			—			—			756,317			1,155,376
Dividends on hybrid securities		—		—			—			—			(199,800	)		—			(77,162	)		(276,962	)
Redemption of hybrid securities		—		(349,284	)		—			—			—			—			(659,866	)		(1,009,150	)
Acquisition of treasury shares		—		—			—			—			—			(820,000	)		—			(820,000	)
Disposal of treasury shares		—		—			3,975			—			—			234,600			—			238,575
Retirement of treasury shares		—		—			—			—			(515,177	)		515,177			—			—
Ownership changes in subsidiaries		—		—			—			—			—			—			12,198			12,198
Others		—		—			(5,157	)		—			—			—			(34,806	)		(39,963	)

Total transactions with shareholders		—		49,775			(1,182	)		—			(2,201,954	)		(70,223	)		(3,319	)		(2,226,903	)

Balance as of December 31, 2024	W	2,090,558	W	5,082,578		W	16,646,734		W	496,922		W	34,808,220		W	(1,236,060	)	W	1,926,229		W	59,815,181

Balance as of January 1, 2025	W	2,090,558	W	5,082,578		W	16,646,734		W	496,922		W	34,808,220		W	(1,236,060	)	W	1,926,229		W	59,815,181

Comprehensive income for the year
Profit for the year		—		—			—			—			5,833,162			—			7,553			5,840,715
Remeasurements of net defined benefit liabilities		—		—			—			28,615			—			—			(598	)		28,017
Currency translation differences		—		—			—			(47,362	)		—			—			18,548			(28,814	)
Gains (losses) on financial instruments at fair value through other comprehensive income and transfer to retained earnings		—		—			—			(1,877,909	)		9,744			—			(55	)		(1,868,220	)
Share of other comprehensive income of associates and joint ventures		—		—			—			2,018			—			—			—			2,018
Losses on cash flow hedging instruments		—		—			—			(265,830	)		—			—			(23,678	)		(289,508	)
Gains on hedging instruments of net investments in foreign operations		—		—			—			39,631			—			—			—			39,631
Insurance finance expenses		—		—			—			1,159,681			—			—			—			1,159,681
Fair value changes of financial liabilities designated at fair value through profit or loss due to own credit risk		—		—			—			(3,222	)		—			—			—			(3,222	)

Total comprehensive income for the year		—		—			—			(964,378	)		5,842,906			—			1,770			4,880,298

Transactions with shareholders
Annual dividends paid to shareholders of the Parent Company		—		—			—			—			(298,285	)		—			—			(298,285	)
Quarterly dividends paid to shareholders of the Parent Company		—		—			—			—			(1,004,006	)		—			—			(1,004,006	)
Issuance of hybrid securities		—		404,028			—			—			—			—			—			404,028
Dividends on hybrid securities		—		—			—			—			(202,392	)		—			(102,549	)		(304,941	)
Redemption of hybrid securities		—		(1,127,218	)		—			—			—			—			—			(1,127,218	)
Acquisition of treasury shares		—		—			—			—			—			(1,480,000	)		—			(1,480,000	)
Retirement of treasury shares		—		—			—			—			(814,522	)		814,522			—			—
Ownership changes in subsidiaries		—		—			(10,401	)		—			—			—			(22,070	)		(32,471	)
Others		—		—			(2,815	)		—			1,820			—			(21,602	)		(22,597	)

Total transactions with shareholders		—		(723,190	)		(13,216	)		—			(2,317,385	)		(665,478	)		(146,221	)		(3,865,490	)

Balance as of December 31, 2025	W	2,090,558	W	4,359,388		W	16,633,518		W	(467,456	)	W	38,333,741		W	(1,901,538	)	W	1,781,778		W	60,829,989